Home > Mission Bank > Performance and Condition Ratios
Mission Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7946% | 1,493 |
| Cost of funding earning assets | 1.7047% | 2,723 |
| Net interest margin | 4.0899% | 1,124 |
| Noninterest income to average assets | 0.3200% | 2,730 |
| Noninterest expense to average assets | 1.9526% | 3,641 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 1.5656% | 966 |
| Return on assets (ROA) | 1.5649% | 963 |
| Pretax return on assets | 2.1769% | 517 |
| Return on Equity (ROE) | 15.1000% | 1,046 |
| Retained earnings to average equity (ytd only) | 15.1032% | 407 |
| Net charge-offs to loans | -0.0006% | 3,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 46.8963% | 4,064 |
| Assets per employee ($millions) | 13.0497% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5076% | 995 |
| Loan loss allowance to noncurrent loans | 2,247.9908% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0467% | 3,350 |
| Noncurrent loans to loans | 0.0671% | 3,344 |
| Net loans and leases to total assets | 68.5500% | 2,008 |
| Net loans and leases to deposits | 77.3201% | 2,286 |
| Net loans and leases to core deposits | 86.4204% | 2,292 |
| Total domestic deposits to total assets | 88.6600% | 1,319 |
| Equity capital to assets | 10.5537% | 1,888 |
| Core capital (leverage) ratio | 11.4651% | 1,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $1,860,291,500 | 632 |
| Average earning assets | $1,748,302,500 | 620 |
| Average equity | $192,754,000 | 615 |
| Average total loans | $1,294,769,000 | 636 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1030% | 1,158 |
| Cost of funding earning assets | 1.6728% | 3,016 |
| Net interest margin | 4.4303% | 710 |
| Noninterest income to average assets | 0.4000% | 2,453 |
| Noninterest expense to average assets | 2.0708% | 3,444 |
| Loan and lease loss provision to assets | 0.0900% | 1,528 |
| Net operating income to assets | 1.6993% | 656 |
| Return on assets (ROA) | 1.6984% | 652 |
| Pretax return on assets | 2.3933% | 341 |
| Return on Equity (ROE) | 16.2900% | 756 |
| Retained earnings to average equity (ytd only) | 9.6094% | 655 |
| Net charge-offs to loans | 0.0284% | 2,010 |
| Credit loss provision to net charge-offs | 445.7386% | 695 |
| Earnings coverage of net charge-offs (x) | 121.3892% | 712 |
| Efficiency ratio | 45.5078% | 4,184 |
| Assets per employee ($millions) | 12.8783% | 342 |
| Cash dividends to net income (ytd only)* | 41.0018% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5048% | 996 |
| Loan loss allowance to noncurrent loans | 1,828.9077% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0573% | 3,262 |
| Noncurrent loans to loans | 0.0823% | 3,230 |
| Net loans and leases to total assets | 68.5600% | 2,069 |
| Net loans and leases to deposits | 77.0008% | 2,364 |
| Net loans and leases to core deposits | 84.9532% | 2,446 |
| Total domestic deposits to total assets | 89.0300% | 1,156 |
| Equity capital to assets | 10.1681% | 2,026 |
| Core capital (leverage) ratio | 11.0663% | 1,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $1,723,202,000 | 663 |
| Average earning assets | $1,612,852,600 | 646 |
| Average equity | $179,688,200 | 630 |
| Average total loans | $1,241,514,800 | 651 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1265% | 1,096 |
| Cost of funding earning assets | 1.5979% | 3,174 |
| Net interest margin | 4.5286% | 617 |
| Noninterest income to average assets | 0.4300% | 2,252 |
| Noninterest expense to average assets | 2.1668% | 3,174 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 1.7134% | 675 |
| Return on assets (ROA) | 1.7119% | 674 |
| Pretax return on assets | 2.4089% | 366 |
| Return on Equity (ROE) | 16.3100% | 779 |
| Retained earnings to average equity (ytd only) | 9.5443% | 952 |
| Net charge-offs to loans | 0.0383% | 1,570 |
| Credit loss provision to net charge-offs | 331.1615% | 808 |
| Earnings coverage of net charge-offs (x) | 89.6147% | 854 |
| Efficiency ratio | 46.4783% | 4,146 |
| Assets per employee ($millions) | 12.3294% | 396 |
| Cash dividends to net income (ytd only)* | 41.4670% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5281% | 975 |
| Loan loss allowance to noncurrent loans | 4,767.4185% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 3,608 |
| Noncurrent loans to loans | 0.0321% | 3,576 |
| Net loans and leases to total assets | 67.6300% | 2,130 |
| Net loans and leases to deposits | 76.1448% | 2,514 |
| Net loans and leases to core deposits | 83.0507% | 2,627 |
| Total domestic deposits to total assets | 88.8200% | 966 |
| Equity capital to assets | 10.3192% | 2,091 |
| Core capital (leverage) ratio | 11.4054% | 1,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $1,690,384,500 | 662 |
| Average earning assets | $1,580,045,500 | 651 |
| Average equity | $177,469,250 | 627 |
| Average total loans | $1,229,204,000 | 649 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1000% | 1,030 |
| Cost of funding earning assets | 1.5048% | 3,276 |
| Net interest margin | 4.5952% | 549 |
| Noninterest income to average assets | 0.3700% | 2,567 |
| Noninterest expense to average assets | 2.1837% | 3,119 |
| Loan and lease loss provision to assets | 0.0800% | 1,436 |
| Net operating income to assets | 1.7157% | 665 |
| Return on assets (ROA) | 1.7128% | 667 |
| Pretax return on assets | 2.3984% | 377 |
| Return on Equity (ROE) | 16.2100% | 806 |
| Retained earnings to average equity (ytd only) | 9.3273% | 1,020 |
| Net charge-offs to loans | 0.0510% | 1,276 |
| Credit loss provision to net charge-offs | 248.3974% | 899 |
| Earnings coverage of net charge-offs (x) | 65.6667% | 974 |
| Efficiency ratio | 46.7844% | 4,159 |
| Assets per employee ($millions) | 11.5743% | 470 |
| Cash dividends to net income (ytd only)* | 42.4689% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5156% | 1,022 |
| Loan loss allowance to noncurrent loans | 3,817.7914% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 3,517 |
| Noncurrent loans to loans | 0.0397% | 3,497 |
| Net loans and leases to total assets | 72.2800% | 1,613 |
| Net loans and leases to deposits | 81.6221% | 2,062 |
| Net loans and leases to core deposits | 86.4861% | 2,376 |
| Total domestic deposits to total assets | 88.5600% | 1,144 |
| Equity capital to assets | 10.6745% | 1,711 |
| Core capital (leverage) ratio | 11.8084% | 1,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $1,649,707,667 | 681 |
| Average earning assets | $1,541,316,667 | 662 |
| Average equity | $174,283,667 | 636 |
| Average total loans | $1,224,013,333 | 654 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1109% | 927 |
| Cost of funding earning assets | 1.4479% | 3,316 |
| Net interest margin | 4.6631% | 490 |
| Noninterest income to average assets | 0.3800% | 2,422 |
| Noninterest expense to average assets | 2.1457% | 3,204 |
| Loan and lease loss provision to assets | 0.1700% | 608 |
| Net operating income to assets | 1.7373% | 626 |
| Return on assets (ROA) | 1.7366% | 631 |
| Pretax return on assets | 2.4339% | 360 |
| Return on Equity (ROE) | 16.5300% | 775 |
| Retained earnings to average equity (ytd only) | 9.5431% | 1,202 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 45.2147% | 4,207 |
| Assets per employee ($millions) | 12.4262% | 379 |
| Cash dividends to net income (ytd only)* | 42.2535% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5393% | 977 |
| Loan loss allowance to noncurrent loans | 2,651.4006% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 3,390 |
| Noncurrent loans to loans | 0.0581% | 3,345 |
| Net loans and leases to total assets | 74.3900% | 1,292 |
| Net loans and leases to deposits | 85.3650% | 1,596 |
| Net loans and leases to core deposits | 90.2269% | 2,033 |
| Total domestic deposits to total assets | 87.1400% | 1,728 |
| Equity capital to assets | 10.6992% | 1,633 |
| Core capital (leverage) ratio | 11.5914% | 1,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $1,635,422,500 | 689 |
| Average earning assets | $1,529,982,000 | 674 |
| Average equity | $171,852,000 | 645 |
| Average total loans | $1,220,140,500 | 655 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7849% | 852 |
| Cost of funding earning assets | 0.9674% | 3,378 |
| Net interest margin | 4.8175% | 407 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.0534% | 3,510 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.9455% | 503 |
| Return on assets (ROA) | 1.9106% | 505 |
| Pretax return on assets | 2.6551% | 293 |
| Return on Equity (ROE) | 19.7400% | 636 |
| Retained earnings to average equity (ytd only) | 19.7363% | 138 |
| Net charge-offs to loans | -0.0250% | 4,231 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 42.3922% | 4,306 |
| Assets per employee ($millions) | 12.7365% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5041% | 1,038 |
| Loan loss allowance to noncurrent loans | 5,186.8946% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 3,588 |
| Noncurrent loans to loans | 0.0290% | 3,531 |
| Net loans and leases to total assets | 72.5600% | 1,520 |
| Net loans and leases to deposits | 82.9165% | 1,872 |
| Net loans and leases to core deposits | 86.3092% | 2,289 |
| Total domestic deposits to total assets | 87.5200% | 1,511 |
| Equity capital to assets | 10.3187% | 1,835 |
| Core capital (leverage) ratio | 11.3337% | 1,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,572,695,200 | 692 |
| Average earning assets | $1,462,961,800 | 678 |
| Average equity | $152,247,600 | 665 |
| Average total loans | $1,146,606,400 | 660 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6941% | 796 |
| Cost of funding earning assets | 0.8497% | 3,402 |
| Net interest margin | 4.8444% | 384 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.0810% | 3,396 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.9375% | 543 |
| Return on assets (ROA) | 1.9175% | 547 |
| Pretax return on assets | 2.6523% | 331 |
| Return on Equity (ROE) | 20.1600% | 708 |
| Retained earnings to average equity (ytd only) | 20.1584% | 255 |
| Net charge-offs to loans | -0.0336% | 4,276 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 42.8176% | 4,283 |
| Assets per employee ($millions) | 12.0208% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5343% | 1,025 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 70.9300% | 1,711 |
| Net loans and leases to deposits | 80.9746% | 1,973 |
| Net loans and leases to core deposits | 83.0559% | 2,390 |
| Total domestic deposits to total assets | 87.6000% | 1,706 |
| Equity capital to assets | 9.7813% | 1,944 |
| Core capital (leverage) ratio | 11.0456% | 1,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,555,116,500 | 700 |
| Average earning assets | $1,444,221,750 | 688 |
| Average equity | $147,925,000 | 675 |
| Average total loans | $1,130,644,750 | 664 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5144% | 815 |
| Cost of funding earning assets | 0.7072% | 3,466 |
| Net interest margin | 4.8072% | 404 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.1175% | 3,300 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.9010% | 561 |
| Return on assets (ROA) | 1.8699% | 584 |
| Pretax return on assets | 2.5535% | 331 |
| Return on Equity (ROE) | 19.8500% | 721 |
| Retained earnings to average equity (ytd only) | 19.8543% | 252 |
| Net charge-offs to loans | -0.0007% | 3,416 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 43.7280% | 4,263 |
| Assets per employee ($millions) | 11.8338% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4788% | 1,243 |
| Loan loss allowance to noncurrent loans | 16,541.3462% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 3,794 |
| Noncurrent loans to loans | 0.0089% | 3,726 |
| Net loans and leases to total assets | 72.8200% | 1,432 |
| Net loans and leases to deposits | 82.7282% | 1,780 |
| Net loans and leases to core deposits | 83.8289% | 2,221 |
| Total domestic deposits to total assets | 88.0200% | 1,593 |
| Equity capital to assets | 9.6600% | 2,056 |
| Core capital (leverage) ratio | 10.9705% | 1,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,536,558,333 | 696 |
| Average earning assets | $1,428,729,667 | 683 |
| Average equity | $144,714,333 | 682 |
| Average total loans | $1,120,729,000 | 655 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3402% | 788 |
| Cost of funding earning assets | 0.5238% | 3,617 |
| Net interest margin | 4.8164% | 362 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.1287% | 3,309 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.8665% | 599 |
| Return on assets (ROA) | 1.8020% | 657 |
| Pretax return on assets | 2.5180% | 348 |
| Return on Equity (ROE) | 19.3900% | 827 |
| Retained earnings to average equity (ytd only) | 19.3914% | 410 |
| Net charge-offs to loans | -0.0007% | 3,293 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 43.6489% | 4,315 |
| Assets per employee ($millions) | 11.7807% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4696% | 1,370 |
| Loan loss allowance to noncurrent loans | 10,573.8854% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 3,764 |
| Noncurrent loans to loans | 0.0139% | 3,719 |
| Net loans and leases to total assets | 72.1200% | 1,414 |
| Net loans and leases to deposits | 81.6644% | 1,684 |
| Net loans and leases to core deposits | 82.5022% | 2,091 |
| Total domestic deposits to total assets | 88.3100% | 1,811 |
| Equity capital to assets | 9.3895% | 2,237 |
| Core capital (leverage) ratio | 10.7007% | 2,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,517,888,500 | 713 |
| Average earning assets | $1,414,325,500 | 701 |
| Average equity | $141,052,000 | 707 |
| Average total loans | $1,099,436,000 | 672 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1997% | 1,250 |
| Cost of funding earning assets | 0.1574% | 4,080 |
| Net interest margin | 4.0423% | 733 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 1.8671% | 3,899 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 1.5928% | 704 |
| Return on assets (ROA) | 1.5916% | 674 |
| Pretax return on assets | 2.2232% | 305 |
| Return on Equity (ROE) | 18.0900% | 687 |
| Retained earnings to average equity (ytd only) | 18.0936% | 138 |
| Net charge-offs to loans | -0.0004% | 3,293 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 43.3781% | 4,448 |
| Assets per employee ($millions) | 11.8452% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 1,535 |
| Loan loss allowance to noncurrent loans | 25,601.7241% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 3,894 |
| Noncurrent loans to loans | 0.0054% | 3,831 |
| Net loans and leases to total assets | 70.6500% | 1,568 |
| Net loans and leases to deposits | 78.4166% | 1,904 |
| Net loans and leases to core deposits | 78.9968% | 2,201 |
| Total domestic deposits to total assets | 90.0900% | 1,326 |
| Equity capital to assets | 9.1925% | 2,230 |
| Core capital (leverage) ratio | 10.0877% | 2,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,483,705,600 | 708 |
| Average earning assets | $1,387,620,200 | 694 |
| Average equity | $130,515,800 | 747 |
| Average total loans | $983,465,200 | 694 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8505% | 1,618 |
| Cost of funding earning assets | 0.1223% | 4,103 |
| Net interest margin | 3.7282% | 1,075 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 1.7813% | 4,014 |
| Loan and lease loss provision to assets | 0.2400% | 344 |
| Net operating income to assets | 1.4451% | 967 |
| Return on assets (ROA) | 1.4437% | 948 |
| Pretax return on assets | 2.0130% | 453 |
| Return on Equity (ROE) | 16.6000% | 874 |
| Retained earnings to average equity (ytd only) | 16.6004% | 237 |
| Net charge-offs to loans | -0.0003% | 3,118 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 44.0411% | 4,467 |
| Assets per employee ($millions) | 12.9210% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 1,684 |
| Loan loss allowance to noncurrent loans | 23,382.2581% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 3,981 |
| Noncurrent loans to loans | 0.0059% | 3,915 |
| Net loans and leases to total assets | 66.4600% | 1,840 |
| Net loans and leases to deposits | 72.9373% | 2,132 |
| Net loans and leases to core deposits | 73.3167% | 2,401 |
| Total domestic deposits to total assets | 91.1200% | 1,189 |
| Equity capital to assets | 8.2020% | 2,758 |
| Core capital (leverage) ratio | 9.6742% | 2,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,481,506,750 | 713 |
| Average earning assets | $1,386,686,500 | 699 |
| Average equity | $128,845,250 | 772 |
| Average total loans | $962,014,500 | 705 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5538% | 1,985 |
| Cost of funding earning assets | 0.1007% | 4,182 |
| Net interest margin | 3.4530% | 1,441 |
| Noninterest income to average assets | 0.6509% | 1,538 |
| Noninterest expense to average assets | 1.8002% | 3,955 |
| Loan and lease loss provision to assets | 0.2126% | 378 |
| Net operating income to assets | 1.3435% | 1,036 |
| Return on assets (ROA) | 1.3414% | 1,023 |
| Pretax return on assets | 1.8694% | 495 |
| Return on Equity (ROE) | 15.1152% | 871 |
| Retained earnings to average equity (ytd only) | 15.1152% | 253 |
| Net charge-offs to loans | -0.0006% | 3,001 |
| Credit loss provision to net charge-offs | -51,533.3333% | 3,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2173% | 4,443 |
| Assets per employee ($millions) | 12.2598% | 350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3586% | 1,927 |
| Loan loss allowance to noncurrent loans | 18,108.1081% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 4,000 |
| Noncurrent loans to loans | 0.0075% | 3,942 |
| Net loans and leases to total assets | 68.4091% | 1,445 |
| Net loans and leases to deposits | 75.4118% | 1,731 |
| Net loans and leases to core deposits | 75.7406% | 2,038 |
| Total domestic deposits to total assets | 90.7140% | 1,376 |
| Equity capital to assets | 8.7332% | 2,590 |
| Core capital (leverage) ratio | 9.8113% | 2,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,454,193,333 | 714 |
| Average earning assets | $1,361,931,000 | 706 |
| Average equity | $129,049,000 | 778 |
| Average total loans | $931,497,333 | 713 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3544% | 2,226 |
| Cost of funding earning assets | 0.0969% | 4,176 |
| Net interest margin | 3.2575% | 1,692 |
| Noninterest income to average assets | 0.3572% | 2,949 |
| Noninterest expense to average assets | 1.7630% | 4,027 |
| Loan and lease loss provision to assets | 0.1763% | 434 |
| Net operating income to assets | 1.0648% | 1,640 |
| Return on assets (ROA) | 1.0624% | 1,640 |
| Pretax return on assets | 1.4798% | 1,052 |
| Return on Equity (ROE) | 11.8807% | 1,353 |
| Retained earnings to average equity (ytd only) | 11.8807% | 622 |
| Net charge-offs to loans | -0.0009% | 3,009 |
| Credit loss provision to net charge-offs | -32,400.0000% | 3,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3834% | 4,231 |
| Assets per employee ($millions) | 13.0209% | 313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3529% | 2,105 |
| Loan loss allowance to noncurrent loans | 17,362.5000% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 4,038 |
| Noncurrent loans to loans | 0.0078% | 3,968 |
| Net loans and leases to total assets | 62.5046% | 1,795 |
| Net loans and leases to deposits | 68.9782% | 2,053 |
| Net loans and leases to core deposits | 69.3855% | 2,343 |
| Total domestic deposits to total assets | 90.6151% | 1,238 |
| Equity capital to assets | 8.8240% | 2,860 |
| Core capital (leverage) ratio | 9.3172% | 2,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,470,219,000 | 711 |
| Average earning assets | $1,383,252,000 | 698 |
| Average equity | $131,474,000 | 780 |
| Average total loans | $904,109,000 | 724 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4980% | 2,670 |
| Cost of funding earning assets | 0.1036% | 4,359 |
| Net interest margin | 3.3944% | 2,051 |
| Noninterest income to average assets | 0.3976% | 3,061 |
| Noninterest expense to average assets | 1.7356% | 4,247 |
| Loan and lease loss provision to assets | 0.1202% | 1,032 |
| Net operating income to assets | 1.2373% | 1,785 |
| Return on assets (ROA) | 1.2789% | 1,716 |
| Pretax return on assets | 1.7890% | 939 |
| Return on Equity (ROE) | 14.8059% | 992 |
| Retained earnings to average equity (ytd only) | 14.8059% | 242 |
| Net charge-offs to loans | -0.0006% | 3,236 |
| Credit loss provision to net charge-offs | -33,660.0000% | 4,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1786% | 4,390 |
| Assets per employee ($millions) | 14.1152% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3403% | 2,183 |
| Loan loss allowance to noncurrent loans | 6,890.1163% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 4,026 |
| Noncurrent loans to loans | 0.0195% | 3,933 |
| Net loans and leases to total assets | 58.8582% | 2,284 |
| Net loans and leases to deposits | 65.1244% | 2,588 |
| Net loans and leases to core deposits | 65.5179% | 2,861 |
| Total domestic deposits to total assets | 90.3781% | 773 |
| Equity capital to assets | 9.0590% | 3,555 |
| Core capital (leverage) ratio | 9.0306% | 3,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,399,982,000 | 716 |
| Average earning assets | $1,317,589,000 | 705 |
| Average equity | $120,925,000 | 859 |
| Average total loans | $870,208,200 | 745 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5111% | 2,799 |
| Cost of funding earning assets | 0.1051% | 4,458 |
| Net interest margin | 3.4060% | 2,136 |
| Noninterest income to average assets | 0.3915% | 3,141 |
| Noninterest expense to average assets | 1.7899% | 4,188 |
| Loan and lease loss provision to assets | 0.1530% | 727 |
| Net operating income to assets | 1.1714% | 2,267 |
| Return on assets (ROA) | 1.2272% | 2,133 |
| Pretax return on assets | 1.7217% | 1,353 |
| Return on Equity (ROE) | 14.3965% | 1,282 |
| Retained earnings to average equity (ytd only) | 14.3965% | 470 |
| Net charge-offs to loans | -0.0006% | 3,094 |
| Credit loss provision to net charge-offs | -39,575.0000% | 4,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6638% | 4,249 |
| Assets per employee ($millions) | 12.9012% | 313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3198% | 2,397 |
| Loan loss allowance to noncurrent loans | 4,368.0297% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 4,080 |
| Noncurrent loans to loans | 0.0302% | 3,983 |
| Net loans and leases to total assets | 60.2640% | 2,217 |
| Net loans and leases to deposits | 66.9230% | 2,550 |
| Net loans and leases to core deposits | 67.3299% | 2,832 |
| Total domestic deposits to total assets | 90.0497% | 756 |
| Equity capital to assets | 8.9404% | 3,885 |
| Core capital (leverage) ratio | 8.8515% | 3,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,379,452,500 | 733 |
| Average earning assets | $1,297,002,000 | 723 |
| Average equity | $117,590,250 | 893 |
| Average total loans | $866,713,250 | 765 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4718% | 2,969 |
| Cost of funding earning assets | 0.1052% | 4,541 |
| Net interest margin | 3.3666% | 2,251 |
| Noninterest income to average assets | 0.4008% | 3,104 |
| Noninterest expense to average assets | 1.7885% | 4,207 |
| Loan and lease loss provision to assets | 0.1861% | 613 |
| Net operating income to assets | 1.1469% | 2,382 |
| Return on assets (ROA) | 1.2316% | 2,143 |
| Pretax return on assets | 1.7037% | 1,470 |
| Return on Equity (ROE) | 14.7060% | 1,231 |
| Retained earnings to average equity (ytd only) | 14.7060% | 473 |
| Net charge-offs to loans | -0.0005% | 3,040 |
| Credit loss provision to net charge-offs | -62,950.0000% | 4,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9441% | 4,243 |
| Assets per employee ($millions) | 12.4651% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2749% | 2,559 |
| Loan loss allowance to noncurrent loans | 2,669.1589% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 4,051 |
| Noncurrent loans to loans | 0.0478% | 3,940 |
| Net loans and leases to total assets | 62.2533% | 2,147 |
| Net loans and leases to deposits | 69.0958% | 2,503 |
| Net loans and leases to core deposits | 69.5513% | 2,821 |
| Total domestic deposits to total assets | 90.0970% | 726 |
| Equity capital to assets | 8.8124% | 3,963 |
| Core capital (leverage) ratio | 8.8950% | 3,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,353,323,333 | 743 |
| Average earning assets | $1,274,325,000 | 734 |
| Average equity | $113,341,333 | 919 |
| Average total loans | $858,850,333 | 768 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4156% | 3,150 |
| Cost of funding earning assets | 0.1069% | 4,613 |
| Net interest margin | 3.3086% | 2,370 |
| Noninterest income to average assets | 0.4062% | 3,055 |
| Noninterest expense to average assets | 1.8122% | 4,192 |
| Loan and lease loss provision to assets | 0.1889% | 650 |
| Net operating income to assets | 1.0935% | 2,500 |
| Return on assets (ROA) | 1.2193% | 2,155 |
| Pretax return on assets | 1.6879% | 1,520 |
| Return on Equity (ROE) | 14.9796% | 1,218 |
| Retained earnings to average equity (ytd only) | 14.9796% | 628 |
| Net charge-offs to loans | -0.0005% | 3,013 |
| Credit loss provision to net charge-offs | -62,300.0000% | 3,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1937% | 4,075 |
| Assets per employee ($millions) | 12.2725% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 2,745 |
| Loan loss allowance to noncurrent loans | 1,523.5876% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0520% | 4,007 |
| Noncurrent loans to loans | 0.0809% | 3,893 |
| Net loans and leases to total assets | 63.4377% | 2,108 |
| Net loans and leases to deposits | 69.8283% | 2,523 |
| Net loans and leases to core deposits | 70.3206% | 2,840 |
| Total domestic deposits to total assets | 90.8481% | 452 |
| Equity capital to assets | 7.9188% | 4,535 |
| Core capital (leverage) ratio | 8.1069% | 4,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,319,477,000 | 753 |
| Average earning assets | $1,245,711,000 | 741 |
| Average equity | $107,399,500 | 952 |
| Average total loans | $840,249,000 | 778 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1859% | 2,177 |
| Cost of funding earning assets | 0.1775% | 4,656 |
| Net interest margin | 4.0084% | 960 |
| Noninterest income to average assets | 0.5499% | 2,420 |
| Noninterest expense to average assets | 2.2087% | 3,645 |
| Loan and lease loss provision to assets | 0.2196% | 1,784 |
| Net operating income to assets | 1.3585% | 1,108 |
| Return on assets (ROA) | 1.3799% | 1,158 |
| Pretax return on assets | 1.9167% | 533 |
| Return on Equity (ROE) | 15.6579% | 542 |
| Retained earnings to average equity (ytd only) | 15.6579% | 131 |
| Net charge-offs to loans | 0.0311% | 2,412 |
| Credit loss provision to net charge-offs | 994.4681% | 787 |
| Earnings coverage of net charge-offs (x) | 95.5277% | 810 |
| Efficiency ratio | 51.0020% | 4,472 |
| Assets per employee ($millions) | 11.1018% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 2,612 |
| Loan loss allowance to noncurrent loans | 7,939.8438% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 4,383 |
| Noncurrent loans to loans | 0.0159% | 4,299 |
| Net loans and leases to total assets | 62.2986% | 2,569 |
| Net loans and leases to deposits | 69.2219% | 2,959 |
| Net loans and leases to core deposits | 69.6986% | 3,272 |
| Total domestic deposits to total assets | 89.9984% | 569 |
| Equity capital to assets | 8.3751% | 4,535 |
| Core capital (leverage) ratio | 8.4049% | 4,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,064,313,200 | 829 |
| Average earning assets | $1,000,505,800 | 812 |
| Average equity | $93,793,200 | 1,021 |
| Average total loans | $755,213,000 | 819 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2879% | 2,135 |
| Cost of funding earning assets | 0.1992% | 4,682 |
| Net interest margin | 4.0887% | 915 |
| Noninterest income to average assets | 0.5312% | 2,471 |
| Noninterest expense to average assets | 2.3327% | 3,330 |
| Loan and lease loss provision to assets | 0.2322% | 1,749 |
| Net operating income to assets | 1.3016% | 1,355 |
| Return on assets (ROA) | 1.3312% | 1,369 |
| Pretax return on assets | 1.8445% | 719 |
| Return on Equity (ROE) | 14.8723% | 718 |
| Retained earnings to average equity (ytd only) | 14.8723% | 206 |
| Net charge-offs to loans | 0.0424% | 2,016 |
| Credit loss provision to net charge-offs | 746.1864% | 1,033 |
| Earnings coverage of net charge-offs (x) | 65.5339% | 1,044 |
| Efficiency ratio | 53.1998% | 4,230 |
| Assets per employee ($millions) | 10.2089% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1527% | 2,924 |
| Loan loss allowance to noncurrent loans | 6,847.1429% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 4,439 |
| Noncurrent loans to loans | 0.0168% | 4,364 |
| Net loans and leases to total assets | 69.4127% | 2,042 |
| Net loans and leases to deposits | 77.3349% | 2,611 |
| Net loans and leases to core deposits | 78.0207% | 3,008 |
| Total domestic deposits to total assets | 89.7560% | 512 |
| Equity capital to assets | 8.6071% | 4,397 |
| Core capital (leverage) ratio | 8.6727% | 4,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,011,214,500 | 860 |
| Average earning assets | $949,872,500 | 843 |
| Average equity | $90,510,250 | 1,042 |
| Average total loans | $742,632,750 | 831 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4515% | 2,072 |
| Cost of funding earning assets | 0.2271% | 4,696 |
| Net interest margin | 4.2243% | 871 |
| Noninterest income to average assets | 0.4877% | 2,617 |
| Noninterest expense to average assets | 2.4584% | 3,076 |
| Loan and lease loss provision to assets | 0.2213% | 1,889 |
| Net operating income to assets | 1.2875% | 1,391 |
| Return on assets (ROA) | 1.3004% | 1,468 |
| Pretax return on assets | 1.7879% | 831 |
| Return on Equity (ROE) | 14.3015% | 827 |
| Retained earnings to average equity (ytd only) | 14.3015% | 258 |
| Net charge-offs to loans | 0.0530% | 1,733 |
| Credit loss provision to net charge-offs | 558.2011% | 1,155 |
| Earnings coverage of net charge-offs (x) | 50.2698% | 1,102 |
| Efficiency ratio | 55.0702% | 4,054 |
| Assets per employee ($millions) | 9.7804% | 536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 3,018 |
| Loan loss allowance to noncurrent loans | 1,253.7921% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0644% | 4,209 |
| Noncurrent loans to loans | 0.0882% | 4,107 |
| Net loans and leases to total assets | 72.2085% | 1,671 |
| Net loans and leases to deposits | 80.7303% | 2,348 |
| Net loans and leases to core deposits | 81.4985% | 2,814 |
| Total domestic deposits to total assets | 89.4441% | 597 |
| Equity capital to assets | 8.8363% | 4,228 |
| Core capital (leverage) ratio | 9.1237% | 3,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $953,543,000 | 891 |
| Average earning assets | $894,671,333 | 880 |
| Average equity | $86,704,333 | 1,070 |
| Average total loans | $712,980,000 | 846 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7030% | 1,703 |
| Cost of funding earning assets | 0.2936% | 4,677 |
| Net interest margin | 4.4093% | 614 |
| Noninterest income to average assets | 0.5236% | 2,423 |
| Noninterest expense to average assets | 2.4536% | 3,411 |
| Loan and lease loss provision to assets | 0.2548% | 1,218 |
| Net operating income to assets | 1.4441% | 893 |
| Return on assets (ROA) | 1.4693% | 914 |
| Pretax return on assets | 1.9874% | 458 |
| Return on Equity (ROE) | 15.8763% | 436 |
| Retained earnings to average equity (ytd only) | 15.8763% | 150 |
| Net charge-offs to loans | 0.1141% | 1,018 |
| Credit loss provision to net charge-offs | 294.2105% | 1,199 |
| Earnings coverage of net charge-offs (x) | 25.5263% | 1,285 |
| Efficiency ratio | 52.4428% | 4,521 |
| Assets per employee ($millions) | 8.0380% | 725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 2,441 |
| Loan loss allowance to noncurrent loans | 5,509.8039% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 4,556 |
| Noncurrent loans to loans | 0.0225% | 4,481 |
| Net loans and leases to total assets | 73.8168% | 1,642 |
| Net loans and leases to deposits | 83.0819% | 2,325 |
| Net loans and leases to core deposits | 85.6612% | 2,709 |
| Total domestic deposits to total assets | 88.8483% | 733 |
| Equity capital to assets | 9.1130% | 4,526 |
| Core capital (leverage) ratio | 9.5118% | 3,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $877,723,000 | 934 |
| Average earning assets | $824,159,500 | 915 |
| Average equity | $81,228,000 | 1,120 |
| Average total loans | $665,988,500 | 866 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1161% | 1,183 |
| Cost of funding earning assets | 0.3020% | 4,721 |
| Net interest margin | 4.8141% | 385 |
| Noninterest income to average assets | 0.6890% | 1,853 |
| Noninterest expense to average assets | 2.6487% | 3,032 |
| Loan and lease loss provision to assets | 0.2224% | 873 |
| Net operating income to assets | 1.6528% | 735 |
| Return on assets (ROA) | 1.6539% | 784 |
| Pretax return on assets | 2.3144% | 300 |
| Return on Equity (ROE) | 17.4838% | 375 |
| Retained earnings to average equity (ytd only) | 17.4838% | 54 |
| Net charge-offs to loans | 0.0094% | 3,349 |
| Credit loss provision to net charge-offs | 3,023.2143% | 132 |
| Earnings coverage of net charge-offs (x) | 344.7143% | 256 |
| Efficiency ratio | 50.9184% | 4,676 |
| Assets per employee ($millions) | 8.0682% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 2,263 |
| Loan loss allowance to noncurrent loans | 866.7742% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.1098% | 4,081 |
| Noncurrent loans to loans | 0.1424% | 3,961 |
| Net loans and leases to total assets | 76.1389% | 1,387 |
| Net loans and leases to deposits | 84.8940% | 2,223 |
| Net loans and leases to core deposits | 88.9653% | 2,519 |
| Total domestic deposits to total assets | 89.6870% | 432 |
| Equity capital to assets | 9.4060% | 4,421 |
| Core capital (leverage) ratio | 9.6116% | 3,949 |
| Tier 1 risk-based capital ratio | 10.8869% | 4,896 |
| Total risk-based capital ratio | 12.0059% | 4,852 |
| Memoranda: | ||
| Average total assets | $761,395,400 | 1,014 |
| Average earning assets | $710,938,000 | 1,003 |
| Average equity | $72,026,600 | 1,194 |
| Average total loans | $593,515,800 | 918 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1952% | 1,050 |
| Cost of funding earning assets | 0.3056% | 4,784 |
| Net interest margin | 4.8896% | 349 |
| Noninterest income to average assets | 0.7018% | 1,775 |
| Noninterest expense to average assets | 2.7671% | 2,661 |
| Loan and lease loss provision to assets | 0.1699% | 1,086 |
| Net operating income to assets | 1.6633% | 803 |
| Return on assets (ROA) | 1.6660% | 842 |
| Pretax return on assets | 2.3286% | 350 |
| Return on Equity (ROE) | 17.5828% | 428 |
| Retained earnings to average equity (ytd only) | 17.5828% | 73 |
| Net charge-offs to loans | -0.0009% | 3,995 |
| Credit loss provision to net charge-offs | -23,575.0000% | 4,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4072% | 4,564 |
| Assets per employee ($millions) | 7.2761% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 2,523 |
| Loan loss allowance to noncurrent loans | 4,725.0000% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 4,645 |
| Noncurrent loans to loans | 0.0253% | 4,565 |
| Net loans and leases to total assets | 76.0002% | 1,481 |
| Net loans and leases to deposits | 84.7719% | 2,344 |
| Net loans and leases to core deposits | 90.0137% | 2,545 |
| Total domestic deposits to total assets | 89.6526% | 391 |
| Equity capital to assets | 9.4551% | 4,494 |
| Core capital (leverage) ratio | 9.5721% | 4,088 |
| Tier 1 risk-based capital ratio | 10.9252% | 4,950 |
| Total risk-based capital ratio | 12.0074% | 4,908 |
| Memoranda: | ||
| Average total assets | $739,955,000 | 1,034 |
| Average earning assets | $690,126,750 | 1,020 |
| Average equity | $70,112,250 | 1,217 |
| Average total loans | $578,625,500 | 935 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1969% | 985 |
| Cost of funding earning assets | 0.3042% | 4,816 |
| Net interest margin | 4.8927% | 351 |
| Noninterest income to average assets | 0.7066% | 1,688 |
| Noninterest expense to average assets | 2.8591% | 2,386 |
| Loan and lease loss provision to assets | 0.1748% | 1,030 |
| Net operating income to assets | 1.6268% | 856 |
| Return on assets (ROA) | 1.6301% | 889 |
| Pretax return on assets | 2.2492% | 392 |
| Return on Equity (ROE) | 17.1907% | 447 |
| Retained earnings to average equity (ytd only) | 17.1907% | 101 |
| Net charge-offs to loans | -0.0007% | 3,883 |
| Credit loss provision to net charge-offs | -31,450.0000% | 4,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9818% | 4,472 |
| Assets per employee ($millions) | 6.9394% | 1,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 2,512 |
| Loan loss allowance to noncurrent loans | 4,250.0000% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 4,670 |
| Noncurrent loans to loans | 0.0283% | 4,582 |
| Net loans and leases to total assets | 77.3227% | 1,342 |
| Net loans and leases to deposits | 86.3146% | 2,219 |
| Net loans and leases to core deposits | 92.5458% | 2,362 |
| Total domestic deposits to total assets | 89.5825% | 456 |
| Equity capital to assets | 9.5944% | 4,318 |
| Core capital (leverage) ratio | 9.6342% | 3,997 |
| Tier 1 risk-based capital ratio | 10.7073% | 5,040 |
| Total risk-based capital ratio | 11.7733% | 5,015 |
| Memoranda: | ||
| Average total assets | $719,815,670 | 1,051 |
| Average earning assets | $672,671,330 | 1,039 |
| Average equity | $68,257,670 | 1,232 |
| Average total loans | $566,282,000 | 952 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1452% | 1,012 |
| Cost of funding earning assets | 0.2638% | 4,942 |
| Net interest margin | 4.8814% | 348 |
| Noninterest income to average assets | 0.6610% | 1,777 |
| Noninterest expense to average assets | 2.8165% | 2,513 |
| Loan and lease loss provision to assets | 0.1782% | 936 |
| Net operating income to assets | 1.6252% | 849 |
| Return on assets (ROA) | 1.6301% | 868 |
| Pretax return on assets | 2.2298% | 418 |
| Return on Equity (ROE) | 17.2985% | 461 |
| Retained earnings to average equity (ytd only) | 17.2985% | 172 |
| Net charge-offs to loans | -0.0007% | 3,797 |
| Credit loss provision to net charge-offs | -31,400.0000% | 4,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7893% | 4,552 |
| Assets per employee ($millions) | 6.8274% | 1,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 2,595 |
| Loan loss allowance to noncurrent loans | 3,829.5455% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 4,728 |
| Noncurrent loans to loans | 0.0313% | 4,635 |
| Net loans and leases to total assets | 76.8430% | 1,336 |
| Net loans and leases to deposits | 85.5460% | 2,183 |
| Net loans and leases to core deposits | 92.6138% | 2,248 |
| Total domestic deposits to total assets | 89.8265% | 521 |
| Equity capital to assets | 9.4151% | 4,331 |
| Core capital (leverage) ratio | 9.8865% | 3,726 |
| Tier 1 risk-based capital ratio | 10.6813% | 5,123 |
| Total risk-based capital ratio | 11.7445% | 5,085 |
| Memoranda: | ||
| Average total assets | $704,993,500 | 1,074 |
| Average earning assets | $658,166,000 | 1,063 |
| Average equity | $66,433,500 | 1,257 |
| Average total loans | $556,144,000 | 970 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9603% | 1,127 |
| Cost of funding earning assets | 0.1781% | 5,082 |
| Net interest margin | 4.7822% | 412 |
| Noninterest income to average assets | 0.7248% | 1,751 |
| Noninterest expense to average assets | 2.6414% | 3,205 |
| Loan and lease loss provision to assets | 0.1559% | 1,341 |
| Net operating income to assets | 1.6709% | 734 |
| Return on assets (ROA) | 1.6510% | 767 |
| Pretax return on assets | 2.3209% | 288 |
| Return on Equity (ROE) | 18.4360% | 351 |
| Retained earnings to average equity (ytd only) | 18.4360% | 47 |
| Net charge-offs to loans | -0.0008% | 4,174 |
| Credit loss provision to net charge-offs | -25,175.0000% | 4,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1483% | 4,866 |
| Assets per employee ($millions) | 6.8628% | 1,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1692% | 2,727 |
| Loan loss allowance to noncurrent loans | 3,118.4466% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 4,708 |
| Noncurrent loans to loans | 0.0375% | 4,597 |
| Net loans and leases to total assets | 79.1231% | 1,072 |
| Net loans and leases to deposits | 91.7468% | 1,582 |
| Net loans and leases to core deposits | 95.9432% | 2,068 |
| Total domestic deposits to total assets | 86.2407% | 2,114 |
| Equity capital to assets | 9.4319% | 4,186 |
| Core capital (leverage) ratio | 9.5360% | 4,081 |
| Tier 1 risk-based capital ratio | 10.7251% | 5,103 |
| Total risk-based capital ratio | 11.7903% | 5,064 |
| Memoranda: | ||
| Average total assets | $645,955,600 | 1,120 |
| Average earning assets | $596,814,800 | 1,119 |
| Average equity | $57,848,800 | 1,362 |
| Average total loans | $508,239,000 | 1,034 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8600% | 1,277 |
| Cost of funding earning assets | 0.1660% | 5,162 |
| Net interest margin | 4.6941% | 479 |
| Noninterest income to average assets | 0.7492% | 1,678 |
| Noninterest expense to average assets | 2.6459% | 3,134 |
| Loan and lease loss provision to assets | 0.1524% | 1,293 |
| Net operating income to assets | 1.6078% | 948 |
| Return on assets (ROA) | 1.5890% | 989 |
| Pretax return on assets | 2.2494% | 370 |
| Return on Equity (ROE) | 18.0010% | 427 |
| Retained earnings to average equity (ytd only) | 18.0010% | 86 |
| Net charge-offs to loans | -0.0011% | 4,017 |
| Credit loss provision to net charge-offs | -18,175.0000% | 4,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9555% | 4,816 |
| Assets per employee ($millions) | 6.7768% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1651% | 2,819 |
| Loan loss allowance to noncurrent loans | 2,831.3364% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 4,819 |
| Noncurrent loans to loans | 0.0412% | 4,714 |
| Net loans and leases to total assets | 77.6834% | 1,388 |
| Net loans and leases to deposits | 88.2637% | 2,115 |
| Net loans and leases to core deposits | 92.3141% | 2,446 |
| Total domestic deposits to total assets | 88.0128% | 1,234 |
| Equity capital to assets | 9.1176% | 4,445 |
| Core capital (leverage) ratio | 9.4455% | 4,235 |
| Tier 1 risk-based capital ratio | 10.7948% | 5,134 |
| Total risk-based capital ratio | 11.8758% | 5,111 |
| Memoranda: | ||
| Average total assets | $635,874,500 | 1,142 |
| Average earning assets | $585,548,750 | 1,142 |
| Average equity | $56,128,750 | 1,401 |
| Average total loans | $497,941,250 | 1,055 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8111% | 1,216 |
| Cost of funding earning assets | 0.1571% | 5,216 |
| Net interest margin | 4.6540% | 495 |
| Noninterest income to average assets | 0.7712% | 1,567 |
| Noninterest expense to average assets | 2.6700% | 3,108 |
| Loan and lease loss provision to assets | 0.1551% | 1,219 |
| Net operating income to assets | 1.5640% | 1,001 |
| Return on assets (ROA) | 1.5367% | 1,065 |
| Pretax return on assets | 2.1733% | 408 |
| Return on Equity (ROE) | 17.6167% | 463 |
| Retained earnings to average equity (ytd only) | 17.6167% | 106 |
| Net charge-offs to loans | -0.0008% | 3,879 |
| Credit loss provision to net charge-offs | -24,200.0000% | 4,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8330% | 4,800 |
| Assets per employee ($millions) | 7.0141% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1499% | 2,980 |
| Loan loss allowance to noncurrent loans | 2,587.2807% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0350% | 4,849 |
| Noncurrent loans to loans | 0.0444% | 4,721 |
| Net loans and leases to total assets | 77.7415% | 1,359 |
| Net loans and leases to deposits | 87.5484% | 2,160 |
| Net loans and leases to core deposits | 90.6674% | 2,516 |
| Total domestic deposits to total assets | 88.7983% | 1,017 |
| Equity capital to assets | 8.6993% | 4,806 |
| Core capital (leverage) ratio | 9.1295% | 4,540 |
| Tier 1 risk-based capital ratio | 10.2371% | 5,357 |
| Total risk-based capital ratio | 11.2991% | 5,354 |
| Memoranda: | ||
| Average total assets | $624,199,670 | 1,168 |
| Average earning assets | $571,594,000 | 1,177 |
| Average equity | $54,448,330 | 1,435 |
| Average total loans | $488,148,000 | 1,076 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8173% | 1,041 |
| Cost of funding earning assets | 0.1641% | 5,192 |
| Net interest margin | 4.6533% | 442 |
| Noninterest income to average assets | 0.8759% | 1,217 |
| Noninterest expense to average assets | 2.7489% | 2,878 |
| Loan and lease loss provision to assets | 0.1449% | 1,287 |
| Net operating income to assets | 1.5531% | 950 |
| Return on assets (ROA) | 1.5531% | 956 |
| Pretax return on assets | 2.2028% | 378 |
| Return on Equity (ROE) | 17.7789% | 435 |
| Retained earnings to average equity (ytd only) | 17.7789% | 163 |
| Net charge-offs to loans | -0.0008% | 3,750 |
| Credit loss provision to net charge-offs | -22,100.0000% | 4,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7175% | 4,824 |
| Assets per employee ($millions) | 6.8804% | 1,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 2,972 |
| Loan loss allowance to noncurrent loans | 3,415.1515% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 4,985 |
| Noncurrent loans to loans | 0.0343% | 4,813 |
| Net loans and leases to total assets | 75.9630% | 1,549 |
| Net loans and leases to deposits | 83.5968% | 2,438 |
| Net loans and leases to core deposits | 87.3179% | 2,691 |
| Total domestic deposits to total assets | 90.8683% | 364 |
| Equity capital to assets | 8.6693% | 4,843 |
| Core capital (leverage) ratio | 8.9598% | 4,724 |
| Tier 1 risk-based capital ratio | 10.3412% | 5,403 |
| Total risk-based capital ratio | 11.4124% | 5,392 |
| Memoranda: | ||
| Average total assets | $610,142,500 | 1,201 |
| Average earning assets | $553,418,000 | 1,224 |
| Average equity | $53,299,000 | 1,458 |
| Average total loans | $475,713,000 | 1,107 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3991% | 2,024 |
| Cost of funding earning assets | 0.1307% | 5,364 |
| Net interest margin | 4.2684% | 1,040 |
| Noninterest income to average assets | 0.7288% | 1,849 |
| Noninterest expense to average assets | 2.5179% | 3,718 |
| Loan and lease loss provision to assets | 0.1835% | 1,164 |
| Net operating income to assets | 0.9946% | 2,271 |
| Return on assets (ROA) | 0.9946% | 2,303 |
| Pretax return on assets | 1.8829% | 622 |
| Return on Equity (ROE) | 11.6222% | 1,309 |
| Retained earnings to average equity (ytd only) | 11.4206% | 216 |
| Net charge-offs to loans | 0.0270% | 3,270 |
| Credit loss provision to net charge-offs | 916.3793% | 388 |
| Earnings coverage of net charge-offs (x) | 103.2155% | 636 |
| Efficiency ratio | 54.6646% | 4,892 |
| Assets per employee ($millions) | 6.6018% | 1,146 |
| Cash dividends to net income (ytd only)* | 1.7352% | 4,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1513% | 3,052 |
| Loan loss allowance to noncurrent loans | 127.8762% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.7124% | 2,189 |
| Noncurrent loans to loans | 0.9003% | 1,975 |
| Net loans and leases to total assets | 78.2204% | 1,259 |
| Net loans and leases to deposits | 86.3442% | 2,217 |
| Net loans and leases to core deposits | 91.4081% | 2,423 |
| Total domestic deposits to total assets | 90.5913% | 365 |
| Equity capital to assets | 8.8053% | 4,895 |
| Core capital (leverage) ratio | 8.8225% | 4,838 |
| Tier 1 risk-based capital ratio | 10.0402% | 5,525 |
| Total risk-based capital ratio | 11.0849% | 5,526 |
| Memoranda: | ||
| Average total assets | $579,413,400 | 1,232 |
| Average earning assets | $523,356,400 | 1,250 |
| Average equity | $49,586,000 | 1,529 |
| Average total loans | $429,481,400 | 1,167 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3422% | 2,133 |
| Cost of funding earning assets | 0.1317% | 5,418 |
| Net interest margin | 4.2106% | 1,130 |
| Noninterest income to average assets | 0.6862% | 2,056 |
| Noninterest expense to average assets | 2.4583% | 3,862 |
| Loan and lease loss provision to assets | 0.1586% | 1,299 |
| Net operating income to assets | 1.1176% | 2,003 |
| Return on assets (ROA) | 1.1176% | 2,069 |
| Pretax return on assets | 1.8684% | 748 |
| Return on Equity (ROE) | 13.1577% | 1,022 |
| Retained earnings to average equity (ytd only) | 13.1577% | 212 |
| Net charge-offs to loans | -0.0019% | 4,318 |
| Credit loss provision to net charge-offs | -11,416.6667% | 5,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5384% | 4,897 |
| Assets per employee ($millions) | 6.3588% | 1,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 3,205 |
| Loan loss allowance to noncurrent loans | 2,963.7931% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 5,093 |
| Noncurrent loans to loans | 0.0388% | 4,942 |
| Net loans and leases to total assets | 75.8533% | 1,613 |
| Net loans and leases to deposits | 83.7238% | 2,589 |
| Net loans and leases to core deposits | 88.1209% | 2,760 |
| Total domestic deposits to total assets | 90.5994% | 296 |
| Equity capital to assets | 8.8411% | 5,038 |
| Core capital (leverage) ratio | 8.7503% | 5,013 |
| Tier 1 risk-based capital ratio | 10.2242% | 5,535 |
| Total risk-based capital ratio | 11.2562% | 5,558 |
| Memoranda: | ||
| Average total assets | $575,725,250 | 1,249 |
| Average earning assets | $519,475,250 | 1,271 |
| Average equity | $48,903,000 | 1,559 |
| Average total loans | $419,308,750 | 1,192 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2171% | 2,412 |
| Cost of funding earning assets | 0.1264% | 5,472 |
| Net interest margin | 4.0907% | 1,350 |
| Noninterest income to average assets | 0.6877% | 2,045 |
| Noninterest expense to average assets | 2.3823% | 4,104 |
| Loan and lease loss provision to assets | 0.1788% | 1,065 |
| Net operating income to assets | 1.0848% | 2,062 |
| Return on assets (ROA) | 1.0848% | 2,106 |
| Pretax return on assets | 1.8113% | 819 |
| Return on Equity (ROE) | 12.9515% | 1,048 |
| Retained earnings to average equity (ytd only) | 12.9515% | 254 |
| Net charge-offs to loans | -0.0024% | 4,197 |
| Credit loss provision to net charge-offs | -10,240.0000% | 5,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2136% | 5,000 |
| Assets per employee ($millions) | 6.7443% | 1,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1581% | 3,259 |
| Loan loss allowance to noncurrent loans | 2,737.9121% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 4,820 |
| Noncurrent loans to loans | 0.0423% | 4,987 |
| Net loans and leases to total assets | 72.4822% | 2,126 |
| Net loans and leases to deposits | 81.1958% | 2,781 |
| Net loans and leases to core deposits | 84.8248% | 2,985 |
| Total domestic deposits to total assets | 89.2684% | 822 |
| Equity capital to assets | 8.5245% | 5,288 |
| Core capital (leverage) ratio | 8.5252% | 5,195 |
| Tier 1 risk-based capital ratio | 10.2801% | 5,547 |
| Total risk-based capital ratio | 11.3192% | 5,559 |
| Memoranda: | ||
| Average total assets | $572,631,330 | 1,263 |
| Average earning assets | $515,808,330 | 1,287 |
| Average equity | $47,963,670 | 1,587 |
| Average total loans | $409,443,670 | 1,225 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1155% | 2,593 |
| Cost of funding earning assets | 0.1144% | 5,596 |
| Net interest margin | 4.0012% | 1,473 |
| Noninterest income to average assets | 0.6592% | 2,140 |
| Noninterest expense to average assets | 2.3502% | 4,261 |
| Loan and lease loss provision to assets | 0.2136% | 757 |
| Net operating income to assets | 1.0213% | 2,221 |
| Return on assets (ROA) | 1.0213% | 2,274 |
| Pretax return on assets | 1.7073% | 992 |
| Return on Equity (ROE) | 12.3060% | 1,160 |
| Retained earnings to average equity (ytd only) | 12.3060% | 444 |
| Net charge-offs to loans | -0.0040% | 4,121 |
| Credit loss provision to net charge-offs | -7,550.0000% | 4,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7442% | 5,066 |
| Assets per employee ($millions) | 6.8283% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1453% | 3,441 |
| Loan loss allowance to noncurrent loans | 2,593.4783% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 4,909 |
| Noncurrent loans to loans | 0.0442% | 5,018 |
| Net loans and leases to total assets | 68.5484% | 2,596 |
| Net loans and leases to deposits | 80.7039% | 2,655 |
| Net loans and leases to core deposits | 82.0416% | 3,089 |
| Total domestic deposits to total assets | 84.9381% | 3,113 |
| Equity capital to assets | 7.9396% | 5,548 |
| Core capital (leverage) ratio | 8.6782% | 5,070 |
| Tier 1 risk-based capital ratio | 10.0941% | 5,676 |
| Total risk-based capital ratio | 11.1151% | 5,700 |
| Memoranda: | ||
| Average total assets | $565,570,000 | 1,273 |
| Average earning assets | $510,552,000 | 1,291 |
| Average equity | $46,936,500 | 1,617 |
| Average total loans | $399,028,000 | 1,246 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0815% | 2,929 |
| Cost of funding earning assets | 0.1002% | 5,700 |
| Net interest margin | 3.9813% | 1,688 |
| Noninterest income to average assets | 0.8132% | 1,700 |
| Noninterest expense to average assets | 2.6253% | 3,603 |
| Loan and lease loss provision to assets | 0.1276% | 1,946 |
| Net operating income to assets | 0.9727% | 2,479 |
| Return on assets (ROA) | 0.9763% | 2,563 |
| Pretax return on assets | 1.6378% | 1,170 |
| Return on Equity (ROE) | 11.2205% | 1,497 |
| Retained earnings to average equity (ytd only) | 11.2205% | 289 |
| Net charge-offs to loans | -0.0464% | 5,376 |
| Credit loss provision to net charge-offs | -398.7654% | 5,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5586% | 4,651 |
| Assets per employee ($millions) | 6.3886% | 1,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1710% | 3,303 |
| Loan loss allowance to noncurrent loans | 1,250.9804% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 4,771 |
| Noncurrent loans to loans | 0.0936% | 4,864 |
| Net loans and leases to total assets | 71.0830% | 2,324 |
| Net loans and leases to deposits | 81.7466% | 2,697 |
| Net loans and leases to core deposits | 83.2582% | 3,100 |
| Total domestic deposits to total assets | 86.9553% | 2,172 |
| Equity capital to assets | 8.7062% | 5,098 |
| Core capital (leverage) ratio | 8.7189% | 5,055 |
| Tier 1 risk-based capital ratio | 10.8833% | 5,400 |
| Total risk-based capital ratio | 11.9460% | 5,403 |
| Memoranda: | ||
| Average total assets | $506,274,800 | 1,356 |
| Average earning assets | $454,197,400 | 1,408 |
| Average equity | $44,053,400 | 1,686 |
| Average total loans | $349,107,200 | 1,345 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0694% | 2,988 |
| Cost of funding earning assets | 0.0968% | 5,783 |
| Net interest margin | 3.9726% | 1,734 |
| Noninterest income to average assets | 0.8563% | 1,559 |
| Noninterest expense to average assets | 2.5929% | 3,689 |
| Loan and lease loss provision to assets | 0.1349% | 1,741 |
| Net operating income to assets | 1.0081% | 2,397 |
| Return on assets (ROA) | 1.0130% | 2,510 |
| Pretax return on assets | 1.7027% | 1,110 |
| Return on Equity (ROE) | 11.6435% | 1,433 |
| Retained earnings to average equity (ytd only) | 11.6435% | 342 |
| Net charge-offs to loans | -0.0626% | 5,434 |
| Credit loss provision to net charge-offs | -316.2500% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3127% | 4,773 |
| Assets per employee ($millions) | 6.2847% | 1,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 3,336 |
| Loan loss allowance to noncurrent loans | 288.2667% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.2876% | 4,280 |
| Noncurrent loans to loans | 0.4110% | 3,803 |
| Net loans and leases to total assets | 69.1319% | 2,621 |
| Net loans and leases to deposits | 83.1715% | 2,584 |
| Net loans and leases to core deposits | 84.7578% | 3,060 |
| Total domestic deposits to total assets | 83.1197% | 3,536 |
| Equity capital to assets | 8.7410% | 5,373 |
| Core capital (leverage) ratio | 8.6244% | 5,239 |
| Tier 1 risk-based capital ratio | 11.0823% | 5,329 |
| Total risk-based capital ratio | 12.1583% | 5,334 |
| Memoranda: | ||
| Average total assets | $500,280,500 | 1,377 |
| Average earning assets | $449,128,000 | 1,421 |
| Average equity | $43,525,500 | 1,715 |
| Average total loans | $341,037,750 | 1,368 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1193% | 2,786 |
| Cost of funding earning assets | 0.0886% | 5,895 |
| Net interest margin | 4.0307% | 1,551 |
| Noninterest income to average assets | 0.8293% | 1,613 |
| Noninterest expense to average assets | 2.6328% | 3,603 |
| Loan and lease loss provision to assets | 0.1241% | 1,839 |
| Net operating income to assets | 1.0033% | 2,382 |
| Return on assets (ROA) | 1.0033% | 2,515 |
| Pretax return on assets | 1.6903% | 1,119 |
| Return on Equity (ROE) | 11.5512% | 1,458 |
| Retained earnings to average equity (ytd only) | 11.5512% | 381 |
| Net charge-offs to loans | -0.0955% | 5,599 |
| Credit loss provision to net charge-offs | -192.4528% | 4,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8911% | 4,785 |
| Assets per employee ($millions) | 6.1818% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1471% | 3,668 |
| Loan loss allowance to noncurrent loans | 273.2273% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 4,346 |
| Noncurrent loans to loans | 0.4198% | 3,849 |
| Net loans and leases to total assets | 67.6192% | 2,839 |
| Net loans and leases to deposits | 82.8293% | 2,612 |
| Net loans and leases to core deposits | 84.4250% | 3,042 |
| Total domestic deposits to total assets | 81.6368% | 4,107 |
| Equity capital to assets | 8.4278% | 5,637 |
| Core capital (leverage) ratio | 8.8214% | 5,029 |
| Tier 1 risk-based capital ratio | 10.9587% | 5,439 |
| Total risk-based capital ratio | 12.0060% | 5,466 |
| Memoranda: | ||
| Average total assets | $493,163,330 | 1,405 |
| Average earning assets | $442,652,670 | 1,447 |
| Average equity | $42,835,330 | 1,738 |
| Average total loans | $333,071,000 | 1,403 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2032% | 2,457 |
| Cost of funding earning assets | 0.0840% | 5,974 |
| Net interest margin | 4.1192% | 1,287 |
| Noninterest income to average assets | 0.7429% | 1,845 |
| Noninterest expense to average assets | 2.7135% | 3,368 |
| Loan and lease loss provision to assets | 0.1040% | 1,971 |
| Net operating income to assets | 0.9576% | 2,473 |
| Return on assets (ROA) | 0.9576% | 2,592 |
| Pretax return on assets | 1.6259% | 1,234 |
| Return on Equity (ROE) | 10.8475% | 1,655 |
| Retained earnings to average equity (ytd only) | 10.8475% | 681 |
| Net charge-offs to loans | -0.1963% | 5,846 |
| Credit loss provision to net charge-offs | -78.9809% | 4,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7473% | 4,639 |
| Assets per employee ($millions) | 5.7600% | 1,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 3,648 |
| Loan loss allowance to noncurrent loans | 261.0338% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.3082% | 4,339 |
| Noncurrent loans to loans | 0.4492% | 3,832 |
| Net loans and leases to total assets | 67.8101% | 2,673 |
| Net loans and leases to deposits | 74.8632% | 3,331 |
| Net loans and leases to core deposits | 76.4352% | 3,643 |
| Total domestic deposits to total assets | 90.5787% | 408 |
| Equity capital to assets | 8.7389% | 5,391 |
| Core capital (leverage) ratio | 8.9425% | 4,926 |
| Tier 1 risk-based capital ratio | 10.9750% | 5,517 |
| Total risk-based capital ratio | 12.0106% | 5,536 |
| Memoranda: | ||
| Average total assets | $477,018,500 | 1,440 |
| Average earning assets | $428,530,000 | 1,483 |
| Average equity | $42,111,000 | 1,759 |
| Average total loans | $319,891,500 | 1,451 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0338% | 3,175 |
| Cost of funding earning assets | 0.0860% | 6,015 |
| Net interest margin | 3.9478% | 1,882 |
| Noninterest income to average assets | 0.8294% | 1,677 |
| Noninterest expense to average assets | 2.8049% | 3,205 |
| Loan and lease loss provision to assets | 0.1316% | 1,819 |
| Net operating income to assets | 0.8368% | 3,175 |
| Return on assets (ROA) | 0.8368% | 3,244 |
| Pretax return on assets | 1.4152% | 1,838 |
| Return on Equity (ROE) | 9.1812% | 2,375 |
| Retained earnings to average equity (ytd only) | 9.1812% | 614 |
| Net charge-offs to loans | -0.0245% | 5,335 |
| Credit loss provision to net charge-offs | -865.1515% | 5,539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0894% | 4,242 |
| Assets per employee ($millions) | 5.5956% | 1,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 3,458 |
| Loan loss allowance to noncurrent loans | 306.1088% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.2573% | 4,563 |
| Noncurrent loans to loans | 0.3933% | 4,046 |
| Net loans and leases to total assets | 64.6347% | 3,176 |
| Net loans and leases to deposits | 71.4508% | 3,771 |
| Net loans and leases to core deposits | 73.0352% | 4,036 |
| Total domestic deposits to total assets | 90.4604% | 446 |
| Equity capital to assets | 8.9218% | 5,197 |
| Core capital (leverage) ratio | 9.1323% | 4,709 |
| Tier 1 risk-based capital ratio | 11.1043% | 5,469 |
| Total risk-based capital ratio | 12.1042% | 5,505 |
| Memoranda: | ||
| Average total assets | $433,917,000 | 1,536 |
| Average earning assets | $387,155,000 | 1,577 |
| Average equity | $39,548,400 | 1,818 |
| Average total loans | $269,265,800 | 1,622 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0324% | 3,198 |
| Cost of funding earning assets | 0.0874% | 6,098 |
| Net interest margin | 3.9450% | 1,885 |
| Noninterest income to average assets | 0.7913% | 1,835 |
| Noninterest expense to average assets | 2.9213% | 2,779 |
| Loan and lease loss provision to assets | 0.1395% | 1,592 |
| Net operating income to assets | 0.7328% | 3,751 |
| Return on assets (ROA) | 0.7328% | 3,859 |
| Pretax return on assets | 1.2454% | 2,626 |
| Return on Equity (ROE) | 7.9944% | 3,067 |
| Retained earnings to average equity (ytd only) | 7.9944% | 1,241 |
| Net charge-offs to loans | -0.0322% | 5,386 |
| Credit loss provision to net charge-offs | -707.9365% | 5,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4608% | 3,639 |
| Assets per employee ($millions) | 5.1094% | 2,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2824% | 3,189 |
| Loan loss allowance to noncurrent loans | 1,204.7782% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 5,489 |
| Noncurrent loans to loans | 0.1064% | 5,210 |
| Net loans and leases to total assets | 62.5697% | 3,527 |
| Net loans and leases to deposits | 69.5481% | 4,036 |
| Net loans and leases to core deposits | 71.2780% | 4,249 |
| Total domestic deposits to total assets | 89.9661% | 583 |
| Equity capital to assets | 9.2881% | 5,015 |
| Core capital (leverage) ratio | 9.1795% | 4,762 |
| Tier 1 risk-based capital ratio | 11.6673% | 5,285 |
| Total risk-based capital ratio | 12.7148% | 5,314 |
| Memoranda: | ||
| Average total assets | $426,288,000 | 1,570 |
| Average earning assets | $379,811,000 | 1,617 |
| Average equity | $39,076,500 | 1,854 |
| Average total loans | $260,621,500 | 1,677 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9930% | 3,325 |
| Cost of funding earning assets | 0.0895% | 6,166 |
| Net interest margin | 3.9035% | 1,965 |
| Noninterest income to average assets | 0.7828% | 1,853 |
| Noninterest expense to average assets | 2.9333% | 2,774 |
| Loan and lease loss provision to assets | 0.1393% | 1,570 |
| Net operating income to assets | 0.7011% | 3,887 |
| Return on assets (ROA) | 0.7011% | 4,008 |
| Pretax return on assets | 1.1902% | 2,817 |
| Return on Equity (ROE) | 7.6832% | 3,216 |
| Retained earnings to average equity (ytd only) | 7.6832% | 1,394 |
| Net charge-offs to loans | -0.0649% | 5,640 |
| Credit loss provision to net charge-offs | -355.4217% | 5,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4350% | 3,605 |
| Assets per employee ($millions) | 5.0546% | 2,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 3,232 |
| Loan loss allowance to noncurrent loans | 1,370.5645% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0584% | 5,628 |
| Noncurrent loans to loans | 0.0950% | 5,360 |
| Net loans and leases to total assets | 60.7025% | 3,726 |
| Net loans and leases to deposits | 67.4305% | 4,189 |
| Net loans and leases to core deposits | 69.0984% | 4,404 |
| Total domestic deposits to total assets | 90.0222% | 657 |
| Equity capital to assets | 9.2735% | 4,932 |
| Core capital (leverage) ratio | 9.1088% | 4,809 |
| Tier 1 risk-based capital ratio | 12.1286% | 5,061 |
| Total risk-based capital ratio | 13.2024% | 5,085 |
| Memoranda: | ||
| Average total assets | $423,618,000 | 1,590 |
| Average earning assets | $377,662,670 | 1,633 |
| Average equity | $38,656,000 | 1,886 |
| Average total loans | $255,739,000 | 1,707 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9409% | 3,455 |
| Cost of funding earning assets | 0.0912% | 6,235 |
| Net interest margin | 3.8497% | 2,068 |
| Noninterest income to average assets | 0.7808% | 1,782 |
| Noninterest expense to average assets | 2.9409% | 2,773 |
| Loan and lease loss provision to assets | 0.1371% | 1,504 |
| Net operating income to assets | 0.6646% | 3,980 |
| Return on assets (ROA) | 0.6646% | 4,103 |
| Pretax return on assets | 1.1334% | 2,931 |
| Return on Equity (ROE) | 7.3426% | 3,304 |
| Retained earnings to average equity (ytd only) | 7.3426% | 1,836 |
| Net charge-offs to loans | -0.0332% | 5,313 |
| Credit loss provision to net charge-offs | -690.4762% | 4,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4501% | 3,587 |
| Assets per employee ($millions) | 4.9834% | 2,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2649% | 3,609 |
| Loan loss allowance to noncurrent loans | 929.1545% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 5,625 |
| Noncurrent loans to loans | 0.1361% | 5,289 |
| Net loans and leases to total assets | 57.3807% | 4,037 |
| Net loans and leases to deposits | 63.5715% | 4,413 |
| Net loans and leases to core deposits | 65.0203% | 4,610 |
| Total domestic deposits to total assets | 90.2617% | 624 |
| Equity capital to assets | 8.9179% | 5,376 |
| Core capital (leverage) ratio | 8.8833% | 5,094 |
| Tier 1 risk-based capital ratio | 12.2543% | 5,071 |
| Total risk-based capital ratio | 13.2949% | 5,109 |
| Memoranda: | ||
| Average total assets | $423,135,000 | 1,598 |
| Average earning assets | $377,072,500 | 1,638 |
| Average equity | $38,297,000 | 1,911 |
| Average total loans | $253,042,500 | 1,717 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0539% | 3,510 |
| Cost of funding earning assets | 0.1006% | 6,325 |
| Net interest margin | 3.9533% | 2,038 |
| Noninterest income to average assets | 0.9279% | 1,419 |
| Noninterest expense to average assets | 3.0185% | 2,790 |
| Loan and lease loss provision to assets | 0.1753% | 1,471 |
| Net operating income to assets | 0.7335% | 3,716 |
| Return on assets (ROA) | 0.7335% | 3,826 |
| Pretax return on assets | 1.2453% | 2,465 |
| Return on Equity (ROE) | 8.2704% | 2,983 |
| Retained earnings to average equity (ytd only) | 8.2704% | 924 |
| Net charge-offs to loans | 0.1006% | 3,069 |
| Credit loss provision to net charge-offs | 301.6807% | 861 |
| Earnings coverage of net charge-offs (x) | 24.4454% | 1,538 |
| Efficiency ratio | 67.6183% | 3,960 |
| Assets per employee ($millions) | 4.7438% | 2,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 4,073 |
| Loan loss allowance to noncurrent loans | 663.9560% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.1102% | 5,599 |
| Noncurrent loans to loans | 0.1790% | 5,187 |
| Net loans and leases to total assets | 60.8411% | 3,663 |
| Net loans and leases to deposits | 67.5551% | 4,168 |
| Net loans and leases to core deposits | 69.1769% | 4,388 |
| Total domestic deposits to total assets | 90.0614% | 705 |
| Equity capital to assets | 9.1904% | 5,084 |
| Core capital (leverage) ratio | 8.6918% | 5,354 |
| Tier 1 risk-based capital ratio | 12.1558% | 5,258 |
| Total risk-based capital ratio | 13.1642% | 5,329 |
| Memoranda: | ||
| Average total assets | $409,534,600 | 1,615 |
| Average earning assets | $363,750,000 | 1,652 |
| Average equity | $36,322,400 | 1,935 |
| Average total loans | $236,601,200 | 1,784 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0323% | 3,631 |
| Cost of funding earning assets | 0.1010% | 6,412 |
| Net interest margin | 3.9314% | 2,112 |
| Noninterest income to average assets | 0.9404% | 1,392 |
| Noninterest expense to average assets | 3.0392% | 2,676 |
| Loan and lease loss provision to assets | 0.1726% | 1,431 |
| Net operating income to assets | 0.7147% | 3,865 |
| Return on assets (ROA) | 0.7147% | 3,964 |
| Pretax return on assets | 1.2219% | 2,693 |
| Return on Equity (ROE) | 8.1326% | 3,136 |
| Retained earnings to average equity (ytd only) | 8.1326% | 1,297 |
| Net charge-offs to loans | 0.1366% | 2,431 |
| Credit loss provision to net charge-offs | 222.2689% | 1,166 |
| Earnings coverage of net charge-offs (x) | 17.9619% | 1,872 |
| Efficiency ratio | 68.1651% | 3,828 |
| Assets per employee ($millions) | 4.8996% | 2,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 4,374 |
| Loan loss allowance to noncurrent loans | 654.0416% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 5,756 |
| Noncurrent loans to loans | 0.1792% | 5,375 |
| Net loans and leases to total assets | 56.6819% | 4,243 |
| Net loans and leases to deposits | 63.0437% | 4,636 |
| Net loans and leases to core deposits | 64.5265% | 4,838 |
| Total domestic deposits to total assets | 89.9090% | 784 |
| Equity capital to assets | 8.8052% | 5,546 |
| Core capital (leverage) ratio | 8.7011% | 5,437 |
| Tier 1 risk-based capital ratio | 12.2912% | 5,306 |
| Total risk-based capital ratio | 13.2705% | 5,386 |
| Memoranda: | ||
| Average total assets | $408,740,000 | 1,634 |
| Average earning assets | $363,188,750 | 1,667 |
| Average equity | $35,920,500 | 1,963 |
| Average total loans | $232,221,500 | 1,816 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0540% | 3,527 |
| Cost of funding earning assets | 0.1028% | 6,475 |
| Net interest margin | 3.9512% | 1,963 |
| Noninterest income to average assets | 0.8098% | 1,802 |
| Noninterest expense to average assets | 3.0455% | 2,670 |
| Loan and lease loss provision to assets | 0.1458% | 1,693 |
| Net operating income to assets | 0.6635% | 4,024 |
| Return on assets (ROA) | 0.6635% | 4,125 |
| Pretax return on assets | 1.1346% | 2,954 |
| Return on Equity (ROE) | 7.5549% | 3,345 |
| Retained earnings to average equity (ytd only) | 7.5549% | 1,500 |
| Net charge-offs to loans | 0.0026% | 4,299 |
| Credit loss provision to net charge-offs | 9,833.3333% | 33 |
| Earnings coverage of net charge-offs (x) | 863.3333% | 77 |
| Efficiency ratio | 70.0114% | 3,660 |
| Assets per employee ($millions) | 4.7288% | 2,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 4,395 |
| Loan loss allowance to noncurrent loans | 893.6909% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 5,940 |
| Noncurrent loans to loans | 0.1350% | 5,601 |
| Net loans and leases to total assets | 57.0637% | 4,103 |
| Net loans and leases to deposits | 63.2048% | 4,573 |
| Net loans and leases to core deposits | 65.1624% | 4,717 |
| Total domestic deposits to total assets | 90.2839% | 666 |
| Equity capital to assets | 8.9256% | 5,384 |
| Core capital (leverage) ratio | 8.7789% | 5,293 |
| Tier 1 risk-based capital ratio | 11.9422% | 5,573 |
| Total risk-based capital ratio | 12.9183% | 5,659 |
| Memoranda: | ||
| Average total assets | $404,531,000 | 1,645 |
| Average earning assets | $359,987,670 | 1,681 |
| Average equity | $35,526,670 | 1,970 |
| Average total loans | $229,071,670 | 1,832 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9985% | 3,685 |
| Cost of funding earning assets | 0.1020% | 6,561 |
| Net interest margin | 3.8965% | 2,098 |
| Noninterest income to average assets | 0.7584% | 1,919 |
| Noninterest expense to average assets | 3.0110% | 2,831 |
| Loan and lease loss provision to assets | 0.1785% | 1,350 |
| Net operating income to assets | 0.6187% | 4,106 |
| Return on assets (ROA) | 0.6187% | 4,187 |
| Pretax return on assets | 1.0529% | 3,123 |
| Return on Equity (ROE) | 7.1028% | 3,412 |
| Retained earnings to average equity (ytd only) | 7.1028% | 1,982 |
| Net charge-offs to loans | 0.0071% | 3,508 |
| Credit loss provision to net charge-offs | 4,500.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 310.5000% | 156 |
| Efficiency ratio | 70.5772% | 3,730 |
| Assets per employee ($millions) | 4.6791% | 2,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 4,617 |
| Loan loss allowance to noncurrent loans | 920.6780% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 6,036 |
| Noncurrent loans to loans | 0.1308% | 5,714 |
| Net loans and leases to total assets | 54.7535% | 4,315 |
| Net loans and leases to deposits | 60.4940% | 4,713 |
| Net loans and leases to core deposits | 62.1080% | 4,866 |
| Total domestic deposits to total assets | 90.5105% | 793 |
| Equity capital to assets | 8.7100% | 5,438 |
| Core capital (leverage) ratio | 8.6458% | 5,465 |
| Tier 1 risk-based capital ratio | 12.3524% | 5,407 |
| Total risk-based capital ratio | 13.3435% | 5,513 |
| Memoranda: | ||
| Average total assets | $403,459,000 | 1,657 |
| Average earning assets | $360,731,500 | 1,689 |
| Average equity | $35,141,000 | 1,978 |
| Average total loans | $226,159,000 | 1,853 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2431% | 3,179 |
| Cost of funding earning assets | 0.1248% | 6,623 |
| Net interest margin | 4.1183% | 1,596 |
| Noninterest income to average assets | 0.8947% | 1,694 |
| Noninterest expense to average assets | 3.3485% | 2,005 |
| Loan and lease loss provision to assets | 0.0912% | 3,282 |
| Net operating income to assets | 0.6617% | 3,974 |
| Return on assets (ROA) | 0.6617% | 4,077 |
| Pretax return on assets | 1.1301% | 2,851 |
| Return on Equity (ROE) | 7.3078% | 3,404 |
| Retained earnings to average equity (ytd only) | 6.6212% | 1,610 |
| Net charge-offs to loans | -0.0180% | 6,120 |
| Credit loss provision to net charge-offs | -970.5882% | 6,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8944% | 3,309 |
| Assets per employee ($millions) | 4.6492% | 2,656 |
| Cash dividends to net income (ytd only)* | 9.3946% | 4,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 5,048 |
| Loan loss allowance to noncurrent loans | 636.8421% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.0998% | 6,038 |
| Noncurrent loans to loans | 0.1760% | 5,674 |
| Net loans and leases to total assets | 56.0654% | 4,310 |
| Net loans and leases to deposits | 61.8500% | 4,740 |
| Net loans and leases to core deposits | 63.3831% | 4,928 |
| Total domestic deposits to total assets | 90.6474% | 730 |
| Equity capital to assets | 8.7098% | 5,355 |
| Core capital (leverage) ratio | 8.6621% | 5,463 |
| Tier 1 risk-based capital ratio | 12.2081% | 5,491 |
| Total risk-based capital ratio | 13.1445% | 5,620 |
| Memoranda: | ||
| Average total assets | $361,921,000 | 1,791 |
| Average earning assets | $322,969,400 | 1,841 |
| Average equity | $32,773,400 | 2,099 |
| Average total loans | $189,188,400 | 2,108 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3056% | 2,963 |
| Cost of funding earning assets | 0.1296% | 6,702 |
| Net interest margin | 4.1760% | 1,406 |
| Noninterest income to average assets | 0.9208% | 1,691 |
| Noninterest expense to average assets | 3.3991% | 1,830 |
| Loan and lease loss provision to assets | 0.0681% | 3,694 |
| Net operating income to assets | 0.6912% | 3,904 |
| Return on assets (ROA) | 0.6912% | 4,038 |
| Pretax return on assets | 1.1727% | 2,804 |
| Return on Equity (ROE) | 7.5508% | 3,349 |
| Retained earnings to average equity (ytd only) | 6.6209% | 2,074 |
| Net charge-offs to loans | -0.0593% | 6,365 |
| Credit loss provision to net charge-offs | -225.0000% | 5,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8822% | 3,246 |
| Assets per employee ($millions) | 4.5918% | 2,731 |
| Cash dividends to net income (ytd only)* | 12.3152% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 4,848 |
| Loan loss allowance to noncurrent loans | 714.6628% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.1171% | 6,081 |
| Noncurrent loans to loans | 0.1683% | 5,814 |
| Net loans and leases to total assets | 51.2930% | 4,966 |
| Net loans and leases to deposits | 56.6462% | 5,318 |
| Net loans and leases to core deposits | 57.8332% | 5,464 |
| Total domestic deposits to total assets | 90.5497% | 725 |
| Equity capital to assets | 8.7503% | 5,468 |
| Core capital (leverage) ratio | 8.8565% | 5,315 |
| Tier 1 risk-based capital ratio | 12.7119% | 5,316 |
| Total risk-based capital ratio | 13.6664% | 5,441 |
| Memoranda: | ||
| Average total assets | $352,442,500 | 1,851 |
| Average earning assets | $313,878,750 | 1,906 |
| Average equity | $32,260,500 | 2,137 |
| Average total loans | $179,808,000 | 2,203 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2664% | 3,089 |
| Cost of funding earning assets | 0.1372% | 6,743 |
| Net interest margin | 4.1293% | 1,467 |
| Noninterest income to average assets | 0.9275% | 1,722 |
| Noninterest expense to average assets | 3.5077% | 1,587 |
| Loan and lease loss provision to assets | 0.0177% | 4,547 |
| Net operating income to assets | 0.6439% | 4,090 |
| Return on assets (ROA) | 0.6439% | 4,240 |
| Pretax return on assets | 1.0876% | 3,145 |
| Return on Equity (ROE) | 6.9176% | 3,650 |
| Retained earnings to average equity (ytd only) | 5.4948% | 2,745 |
| Net charge-offs to loans | -0.0279% | 6,080 |
| Credit loss provision to net charge-offs | -125.0000% | 5,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6698% | 2,833 |
| Assets per employee ($millions) | 4.1863% | 3,388 |
| Cash dividends to net income (ytd only)* | 20.5667% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 5,351 |
| Loan loss allowance to noncurrent loans | 422.5379% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.1925% | 5,917 |
| Noncurrent loans to loans | 0.2662% | 5,647 |
| Net loans and leases to total assets | 54.4740% | 4,523 |
| Net loans and leases to deposits | 60.6029% | 4,907 |
| Net loans and leases to core deposits | 61.7960% | 5,114 |
| Total domestic deposits to total assets | 89.8868% | 1,092 |
| Equity capital to assets | 9.2175% | 4,964 |
| Core capital (leverage) ratio | 8.7510% | 5,357 |
| Tier 1 risk-based capital ratio | 12.6970% | 5,355 |
| Total risk-based capital ratio | 13.5933% | 5,547 |
| Memoranda: | ||
| Average total assets | $339,821,670 | 1,912 |
| Average earning assets | $303,297,000 | 1,971 |
| Average equity | $31,629,670 | 2,178 |
| Average total loans | $172,198,670 | 2,288 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9550% | 4,281 |
| Cost of funding earning assets | 0.1429% | 6,816 |
| Net interest margin | 3.8121% | 2,401 |
| Noninterest income to average assets | 0.7303% | 2,428 |
| Noninterest expense to average assets | 3.4138% | 1,799 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4210% | 5,046 |
| Return on assets (ROA) | 0.4210% | 5,196 |
| Pretax return on assets | 0.7461% | 4,390 |
| Return on Equity (ROE) | 4.4989% | 4,843 |
| Retained earnings to average equity (ytd only) | 1.5817% | 5,190 |
| Net charge-offs to loans | -0.0226% | 5,773 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5106% | 2,115 |
| Assets per employee ($millions) | 4.2365% | 3,464 |
| Cash dividends to net income (ytd only)* | 64.8415% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1609% | 5,360 |
| Loan loss allowance to noncurrent loans | 384.1828% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 5,871 |
| Noncurrent loans to loans | 0.3022% | 5,646 |
| Net loans and leases to total assets | 49.3603% | 5,071 |
| Net loans and leases to deposits | 54.5623% | 5,390 |
| Net loans and leases to core deposits | 56.4224% | 5,486 |
| Total domestic deposits to total assets | 90.4659% | 785 |
| Equity capital to assets | 8.6607% | 5,852 |
| Core capital (leverage) ratio | 8.0878% | 6,063 |
| Tier 1 risk-based capital ratio | 12.9142% | 5,293 |
| Total risk-based capital ratio | 13.8300% | 5,475 |
| Memoranda: | ||
| Average total assets | $329,721,000 | 1,996 |
| Average earning assets | $296,636,500 | 2,026 |
| Average equity | $30,852,000 | 2,250 |
| Average total loans | $159,123,000 | 2,458 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0463% | 5,160 |
| Cost of funding earning assets | 0.1925% | 6,855 |
| Net interest margin | 3.8538% | 3,007 |
| Noninterest income to average assets | 0.7034% | 2,703 |
| Noninterest expense to average assets | 2.8371% | 3,886 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7876% | 3,339 |
| Return on assets (ROA) | 0.7876% | 3,588 |
| Pretax return on assets | 1.3408% | 2,248 |
| Return on Equity (ROE) | 7.4114% | 3,408 |
| Retained earnings to average equity (ytd only) | 7.4114% | 1,372 |
| Net charge-offs to loans | -0.0485% | 6,701 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9071% | 4,164 |
| Assets per employee ($millions) | 5.0428% | 2,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6753% | 3,024 |
| Loan loss allowance to noncurrent loans | 638.4164% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 6,115 |
| Noncurrent loans to loans | 0.2624% | 5,824 |
| Net loans and leases to total assets | 45.2456% | 5,699 |
| Net loans and leases to deposits | 50.8831% | 5,899 |
| Net loans and leases to core deposits | 53.1836% | 5,931 |
| Total domestic deposits to total assets | 88.9208% | 1,617 |
| Equity capital to assets | 10.2867% | 3,776 |
| Core capital (leverage) ratio | 10.2028% | 3,136 |
| Tier 1 risk-based capital ratio | 16.3755% | 2,950 |
| Total risk-based capital ratio | 17.6257% | 2,911 |
| Memoranda: | ||
| Average total assets | $264,992,800 | 2,393 |
| Average earning assets | $238,909,400 | 2,426 |
| Average equity | $28,159,400 | 2,384 |
| Average total loans | $125,695,800 | 2,966 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0711% | 5,288 |
| Cost of funding earning assets | 0.2006% | 6,951 |
| Net interest margin | 3.8706% | 3,024 |
| Noninterest income to average assets | 0.7336% | 2,549 |
| Noninterest expense to average assets | 2.8462% | 3,816 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8067% | 3,419 |
| Return on assets (ROA) | 0.8067% | 3,662 |
| Pretax return on assets | 1.3720% | 2,334 |
| Return on Equity (ROE) | 7.5263% | 3,513 |
| Retained earnings to average equity (ytd only) | 7.5263% | 1,843 |
| Net charge-offs to loans | -0.0920% | 6,835 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4751% | 4,182 |
| Assets per employee ($millions) | 5.2943% | 1,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7387% | 3,002 |
| Loan loss allowance to noncurrent loans | 515.6909% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.2236% | 6,147 |
| Noncurrent loans to loans | 0.3372% | 5,800 |
| Net loans and leases to total assets | 47.0096% | 5,655 |
| Net loans and leases to deposits | 53.2767% | 5,868 |
| Net loans and leases to core deposits | 55.7451% | 5,913 |
| Total domestic deposits to total assets | 88.2367% | 1,884 |
| Equity capital to assets | 10.8782% | 3,406 |
| Core capital (leverage) ratio | 10.9204% | 2,465 |
| Tier 1 risk-based capital ratio | 16.7580% | 2,867 |
| Total risk-based capital ratio | 18.0093% | 2,822 |
| Memoranda: | ||
| Average total assets | $260,642,500 | 2,453 |
| Average earning assets | $234,653,500 | 2,482 |
| Average equity | $27,937,000 | 2,417 |
| Average total loans | $124,632,750 | 3,024 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0929% | 5,341 |
| Cost of funding earning assets | 0.2093% | 7,013 |
| Net interest margin | 3.8836% | 2,984 |
| Noninterest income to average assets | 0.7235% | 2,540 |
| Noninterest expense to average assets | 2.8108% | 3,976 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8215% | 3,296 |
| Return on assets (ROA) | 0.8215% | 3,552 |
| Pretax return on assets | 1.4046% | 2,179 |
| Return on Equity (ROE) | 7.7032% | 3,396 |
| Retained earnings to average equity (ytd only) | 7.7032% | 1,761 |
| Net charge-offs to loans | -0.1678% | 6,968 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6789% | 4,385 |
| Assets per employee ($millions) | 5.3519% | 1,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7155% | 3,159 |
| Loan loss allowance to noncurrent loans | 431.9066% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.1960% | 6,292 |
| Noncurrent loans to loans | 0.3972% | 5,740 |
| Net loans and leases to total assets | 48.5018% | 5,565 |
| Net loans and leases to deposits | 54.8589% | 5,783 |
| Net loans and leases to core deposits | 57.2313% | 5,841 |
| Total domestic deposits to total assets | 88.4118% | 1,872 |
| Equity capital to assets | 10.7416% | 3,406 |
| Core capital (leverage) ratio | 10.4248% | 2,896 |
| Tier 1 risk-based capital ratio | 16.3933% | 2,966 |
| Total risk-based capital ratio | 17.6442% | 2,930 |
| Memoranda: | ||
| Average total assets | $259,285,330 | 2,471 |
| Average earning assets | $233,133,330 | 2,494 |
| Average equity | $27,650,670 | 2,434 |
| Average total loans | $123,962,670 | 3,052 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0045% | 5,744 |
| Cost of funding earning assets | 0.2144% | 7,082 |
| Net interest margin | 3.7901% | 3,436 |
| Noninterest income to average assets | 0.6749% | 2,781 |
| Noninterest expense to average assets | 2.7881% | 4,085 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7587% | 3,579 |
| Return on assets (ROA) | 0.7587% | 3,816 |
| Pretax return on assets | 1.2878% | 2,583 |
| Return on Equity (ROE) | 7.1409% | 3,695 |
| Retained earnings to average equity (ytd only) | 7.1409% | 2,356 |
| Net charge-offs to loans | -0.3464% | 7,092 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4050% | 4,095 |
| Assets per employee ($millions) | 5.7295% | 1,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7951% | 3,009 |
| Loan loss allowance to noncurrent loans | 214.3822% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.6447% | 5,277 |
| Noncurrent loans to loans | 0.8373% | 5,000 |
| Net loans and leases to total assets | 45.1212% | 5,885 |
| Net loans and leases to deposits | 50.8213% | 6,084 |
| Net loans and leases to core deposits | 53.4567% | 6,100 |
| Total domestic deposits to total assets | 88.7840% | 1,825 |
| Equity capital to assets | 10.3009% | 3,726 |
| Core capital (leverage) ratio | 10.6238% | 2,620 |
| Tier 1 risk-based capital ratio | 16.5289% | 2,897 |
| Total risk-based capital ratio | 17.7806% | 2,862 |
| Memoranda: | ||
| Average total assets | $257,807,000 | 2,495 |
| Average earning assets | $231,340,000 | 2,527 |
| Average equity | $27,391,500 | 2,445 |
| Average total loans | $121,238,000 | 3,125 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4048% | 5,405 |
| Cost of funding earning assets | 0.3162% | 7,078 |
| Net interest margin | 4.0886% | 2,476 |
| Noninterest income to average assets | 0.6928% | 2,642 |
| Noninterest expense to average assets | 2.7124% | 4,701 |
| Loan and lease loss provision to assets | 0.1938% | 4,243 |
| Net operating income to assets | 0.8808% | 2,684 |
| Return on assets (ROA) | 0.8808% | 2,821 |
| Pretax return on assets | 1.4627% | 1,583 |
| Return on Equity (ROE) | 8.1120% | 2,853 |
| Retained earnings to average equity (ytd only) | 8.1120% | 1,042 |
| Net charge-offs to loans | 0.4480% | 3,190 |
| Credit loss provision to net charge-offs | 85.4779% | 4,221 |
| Earnings coverage of net charge-offs (x) | 7.3051% | 2,356 |
| Efficiency ratio | 62.0838% | 5,447 |
| Assets per employee ($millions) | 5.1318% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7819% | 2,929 |
| Loan loss allowance to noncurrent loans | 203.2661% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.7527% | 5,139 |
| Noncurrent loans to loans | 0.8766% | 4,935 |
| Net loans and leases to total assets | 47.3491% | 5,890 |
| Net loans and leases to deposits | 53.7457% | 6,095 |
| Net loans and leases to core deposits | 58.1637% | 5,990 |
| Total domestic deposits to total assets | 88.0984% | 2,091 |
| Equity capital to assets | 10.9789% | 2,998 |
| Core capital (leverage) ratio | 10.7617% | 2,463 |
| Tier 1 risk-based capital ratio | 16.9000% | 2,649 |
| Total risk-based capital ratio | 18.1576% | 2,604 |
| Memoranda: | ||
| Average total assets | $239,902,400 | 2,637 |
| Average earning assets | $215,698,400 | 2,663 |
| Average equity | $26,047,800 | 2,476 |
| Average total loans | $121,422,000 | 3,150 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5208% | 5,200 |
| Cost of funding earning assets | 0.3267% | 7,168 |
| Net interest margin | 4.1942% | 2,127 |
| Noninterest income to average assets | 0.7016% | 2,598 |
| Noninterest expense to average assets | 2.6857% | 4,785 |
| Loan and lease loss provision to assets | 0.2238% | 3,771 |
| Net operating income to assets | 0.9349% | 2,597 |
| Return on assets (ROA) | 0.9349% | 2,755 |
| Pretax return on assets | 1.5633% | 1,482 |
| Return on Equity (ROE) | 8.6358% | 2,767 |
| Retained earnings to average equity (ytd only) | 8.6358% | 1,267 |
| Net charge-offs to loans | 0.6596% | 2,273 |
| Credit loss provision to net charge-offs | 66.2252% | 4,597 |
| Earnings coverage of net charge-offs (x) | 5.2881% | 2,824 |
| Efficiency ratio | 60.0450% | 5,714 |
| Assets per employee ($millions) | 5.1826% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7380% | 3,140 |
| Loan loss allowance to noncurrent loans | 110.7341% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.7429% | 5,302 |
| Noncurrent loans to loans | 1.5695% | 3,943 |
| Net loans and leases to total assets | 45.2504% | 6,217 |
| Net loans and leases to deposits | 51.1531% | 6,433 |
| Net loans and leases to core deposits | 55.8010% | 6,334 |
| Total domestic deposits to total assets | 88.4607% | 1,778 |
| Equity capital to assets | 10.7253% | 3,447 |
| Core capital (leverage) ratio | 10.6172% | 2,739 |
| Tier 1 risk-based capital ratio | 17.3221% | 2,516 |
| Total risk-based capital ratio | 18.5793% | 2,475 |
| Memoranda: | ||
| Average total assets | $238,296,000 | 2,665 |
| Average earning assets | $214,261,250 | 2,691 |
| Average equity | $25,798,750 | 2,501 |
| Average total loans | $122,090,000 | 3,162 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6446% | 4,776 |
| Cost of funding earning assets | 0.3391% | 7,249 |
| Net interest margin | 4.3055% | 1,635 |
| Noninterest income to average assets | 0.7223% | 2,427 |
| Noninterest expense to average assets | 2.6899% | 4,859 |
| Loan and lease loss provision to assets | 0.3066% | 2,961 |
| Net operating income to assets | 0.9480% | 2,445 |
| Return on assets (ROA) | 0.9480% | 2,537 |
| Pretax return on assets | 1.5979% | 1,263 |
| Return on Equity (ROE) | 8.7278% | 2,627 |
| Retained earnings to average equity (ytd only) | 8.7278% | 1,201 |
| Net charge-offs to loans | 0.3355% | 3,222 |
| Credit loss provision to net charge-offs | 172.2488% | 1,756 |
| Earnings coverage of net charge-offs (x) | 10.6986% | 1,778 |
| Efficiency ratio | 58.5465% | 6,096 |
| Assets per employee ($millions) | 5.1585% | 1,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9047% | 2,658 |
| Loan loss allowance to noncurrent loans | 101.3391% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.9349% | 4,992 |
| Noncurrent loans to loans | 1.8795% | 3,638 |
| Net loans and leases to total assets | 48.7961% | 5,973 |
| Net loans and leases to deposits | 54.9287% | 6,232 |
| Net loans and leases to core deposits | 60.4800% | 6,051 |
| Total domestic deposits to total assets | 88.8353% | 1,644 |
| Equity capital to assets | 10.5763% | 3,410 |
| Core capital (leverage) ratio | 10.7611% | 2,461 |
| Tier 1 risk-based capital ratio | 16.4709% | 2,758 |
| Total risk-based capital ratio | 17.7303% | 2,711 |
| Memoranda: | ||
| Average total assets | $234,805,670 | 2,706 |
| Average earning assets | $211,171,670 | 2,745 |
| Average equity | $25,504,670 | 2,511 |
| Average total loans | $124,600,330 | 3,134 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7395% | 4,333 |
| Cost of funding earning assets | 0.3501% | 7,315 |
| Net interest margin | 4.3894% | 1,311 |
| Noninterest income to average assets | 0.7355% | 2,354 |
| Noninterest expense to average assets | 2.6742% | 4,942 |
| Loan and lease loss provision to assets | 0.3152% | 2,653 |
| Net operating income to assets | 1.0070% | 2,165 |
| Return on assets (ROA) | 1.0070% | 2,213 |
| Pretax return on assets | 1.6987% | 986 |
| Return on Equity (ROE) | 9.1404% | 2,413 |
| Retained earnings to average equity (ytd only) | 9.1404% | 1,339 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0415% | 6,376 |
| Assets per employee ($millions) | 4.9689% | 2,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8678% | 2,793 |
| Loan loss allowance to noncurrent loans | 88.8847% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 1.1950% | 4,565 |
| Noncurrent loans to loans | 2.1013% | 3,442 |
| Net loans and leases to total assets | 55.8059% | 5,022 |
| Net loans and leases to deposits | 63.8168% | 5,275 |
| Net loans and leases to core deposits | 70.2872% | 5,011 |
| Total domestic deposits to total assets | 87.4469% | 2,686 |
| Equity capital to assets | 11.3859% | 2,356 |
| Core capital (leverage) ratio | 11.1331% | 2,086 |
| Tier 1 risk-based capital ratio | 15.6492% | 3,073 |
| Total risk-based capital ratio | 16.9082% | 3,031 |
| Memoranda: | ||
| Average total assets | $228,403,500 | 2,786 |
| Average earning assets | $205,676,000 | 2,829 |
| Average equity | $25,163,000 | 2,527 |
| Average total loans | $125,315,500 | 3,147 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9238% | 4,908 |
| Cost of funding earning assets | 0.4661% | 7,349 |
| Net interest margin | 4.4577% | 1,331 |
| Noninterest income to average assets | 0.7935% | 2,318 |
| Noninterest expense to average assets | 2.6189% | 5,337 |
| Loan and lease loss provision to assets | 0.6782% | 2,430 |
| Net operating income to assets | 0.8475% | 2,596 |
| Return on assets (ROA) | 0.8475% | 2,735 |
| Pretax return on assets | 1.3731% | 1,729 |
| Return on Equity (ROE) | 8.1071% | 2,662 |
| Retained earnings to average equity (ytd only) | 8.1071% | 951 |
| Net charge-offs to loans | 1.0566% | 2,092 |
| Credit loss provision to net charge-offs | 118.9147% | 3,572 |
| Earnings coverage of net charge-offs (x) | 3.5969% | 3,288 |
| Efficiency ratio | 56.0772% | 6,586 |
| Assets per employee ($millions) | 4.9618% | 2,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7777% | 2,935 |
| Loan loss allowance to noncurrent loans | 100.1369% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.9399% | 5,128 |
| Noncurrent loans to loans | 1.7753% | 3,848 |
| Net loans and leases to total assets | 52.0049% | 5,905 |
| Net loans and leases to deposits | 58.9180% | 6,162 |
| Net loans and leases to core deposits | 65.7276% | 5,903 |
| Total domestic deposits to total assets | 88.2665% | 2,084 |
| Equity capital to assets | 10.6632% | 3,004 |
| Core capital (leverage) ratio | 10.4162% | 2,654 |
| Tier 1 risk-based capital ratio | 15.6214% | 2,941 |
| Total risk-based capital ratio | 16.8798% | 2,894 |
| Memoranda: | ||
| Average total assets | $226,199,200 | 2,798 |
| Average earning assets | $196,718,000 | 2,920 |
| Average equity | $23,645,800 | 2,688 |
| Average total loans | $122,086,400 | 3,277 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0541% | 4,573 |
| Cost of funding earning assets | 0.4898% | 7,457 |
| Net interest margin | 4.5643% | 1,122 |
| Noninterest income to average assets | 0.7948% | 2,260 |
| Noninterest expense to average assets | 2.6334% | 5,184 |
| Loan and lease loss provision to assets | 0.8221% | 1,842 |
| Net operating income to assets | 0.8025% | 2,989 |
| Return on assets (ROA) | 0.8025% | 3,145 |
| Pretax return on assets | 1.2582% | 2,308 |
| Return on Equity (ROE) | 7.7174% | 3,016 |
| Retained earnings to average equity (ytd only) | 7.7174% | 1,510 |
| Net charge-offs to loans | 1.3066% | 1,559 |
| Credit loss provision to net charge-offs | 116.0101% | 3,595 |
| Earnings coverage of net charge-offs (x) | 2.9355% | 3,663 |
| Efficiency ratio | 55.8664% | 6,579 |
| Assets per employee ($millions) | 5.2297% | 1,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7779% | 2,856 |
| Loan loss allowance to noncurrent loans | 97.7636% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.9310% | 5,235 |
| Noncurrent loans to loans | 1.8186% | 3,921 |
| Net loans and leases to total assets | 50.2838% | 6,294 |
| Net loans and leases to deposits | 56.7355% | 6,562 |
| Net loans and leases to core deposits | 63.3507% | 6,346 |
| Total domestic deposits to total assets | 88.6286% | 1,606 |
| Equity capital to assets | 10.3104% | 3,751 |
| Core capital (leverage) ratio | 10.2286% | 3,005 |
| Tier 1 risk-based capital ratio | 15.4183% | 3,039 |
| Total risk-based capital ratio | 16.6762% | 3,001 |
| Memoranda: | ||
| Average total assets | $224,447,750 | 2,851 |
| Average earning assets | $192,708,500 | 3,001 |
| Average equity | $23,340,500 | 2,769 |
| Average total loans | $121,739,750 | 3,330 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0969% | 4,473 |
| Cost of funding earning assets | 0.5000% | 7,546 |
| Net interest margin | 4.5969% | 1,004 |
| Noninterest income to average assets | 0.7807% | 2,229 |
| Noninterest expense to average assets | 2.5704% | 5,454 |
| Loan and lease loss provision to assets | 1.1177% | 1,282 |
| Net operating income to assets | 0.6050% | 3,861 |
| Return on assets (ROA) | 0.6050% | 3,995 |
| Pretax return on assets | 1.0398% | 2,979 |
| Return on Equity (ROE) | 5.8005% | 3,895 |
| Retained earnings to average equity (ytd only) | 5.8005% | 2,445 |
| Net charge-offs to loans | 1.7600% | 1,061 |
| Credit loss provision to net charge-offs | 114.7907% | 3,546 |
| Earnings coverage of net charge-offs (x) | 2.2158% | 3,903 |
| Efficiency ratio | 54.3678% | 6,835 |
| Assets per employee ($millions) | 5.1173% | 2,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7134% | 3,023 |
| Loan loss allowance to noncurrent loans | 75.7630% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.2094% | 4,720 |
| Noncurrent loans to loans | 2.2616% | 3,413 |
| Net loans and leases to total assets | 52.5597% | 6,156 |
| Net loans and leases to deposits | 59.0707% | 6,493 |
| Net loans and leases to core deposits | 65.9359% | 6,250 |
| Total domestic deposits to total assets | 88.9777% | 1,451 |
| Equity capital to assets | 10.2111% | 3,752 |
| Core capital (leverage) ratio | 10.5278% | 2,606 |
| Tier 1 risk-based capital ratio | 14.8617% | 3,230 |
| Total risk-based capital ratio | 16.1190% | 3,197 |
| Memoranda: | ||
| Average total assets | $220,818,330 | 2,926 |
| Average earning assets | $189,605,000 | 3,068 |
| Average equity | $23,032,670 | 2,795 |
| Average total loans | $122,160,330 | 3,360 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2038% | 3,993 |
| Cost of funding earning assets | 0.5254% | 7,639 |
| Net interest margin | 4.6785% | 819 |
| Noninterest income to average assets | 0.8052% | 1,995 |
| Noninterest expense to average assets | 2.5897% | 5,392 |
| Loan and lease loss provision to assets | 1.8863% | 594 |
| Net operating income to assets | 0.1925% | 5,715 |
| Return on assets (ROA) | 0.1925% | 5,835 |
| Pretax return on assets | 0.3184% | 5,551 |
| Return on Equity (ROE) | 1.8252% | 5,827 |
| Retained earnings to average equity (ytd only) | 1.8252% | 5,023 |
| Net charge-offs to loans | 1.7392% | 997 |
| Credit loss provision to net charge-offs | 192.6276% | 1,918 |
| Earnings coverage of net charge-offs (x) | 2.2514% | 3,414 |
| Efficiency ratio | 54.0154% | 6,971 |
| Assets per employee ($millions) | 4.8360% | 2,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9932% | 2,205 |
| Loan loss allowance to noncurrent loans | 84.8696% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 1.3211% | 4,549 |
| Noncurrent loans to loans | 2.3485% | 3,335 |
| Net loans and leases to total assets | 55.1305% | 5,869 |
| Net loans and leases to deposits | 62.2218% | 6,256 |
| Net loans and leases to core deposits | 69.6721% | 5,947 |
| Total domestic deposits to total assets | 88.6032% | 1,732 |
| Equity capital to assets | 10.5068% | 3,240 |
| Core capital (leverage) ratio | 10.4959% | 2,626 |
| Tier 1 risk-based capital ratio | 14.2623% | 3,506 |
| Total risk-based capital ratio | 15.5219% | 3,470 |
| Memoranda: | ||
| Average total assets | $216,088,000 | 3,037 |
| Average earning assets | $184,248,500 | 3,199 |
| Average equity | $22,792,000 | 2,838 |
| Average total loans | $121,668,500 | 3,434 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3951% | 4,718 |
| Cost of funding earning assets | 0.8177% | 7,533 |
| Net interest margin | 4.5774% | 1,027 |
| Noninterest income to average assets | 0.8729% | 2,064 |
| Noninterest expense to average assets | 2.9290% | 4,428 |
| Loan and lease loss provision to assets | 0.2519% | 5,380 |
| Net operating income to assets | 1.0817% | 1,563 |
| Return on assets (ROA) | 1.0848% | 1,604 |
| Pretax return on assets | 1.7270% | 737 |
| Return on Equity (ROE) | 10.4745% | 1,558 |
| Retained earnings to average equity (ytd only) | 10.4745% | 326 |
| Net charge-offs to loans | 0.0513% | 6,587 |
| Credit loss provision to net charge-offs | 841.9355% | 343 |
| Earnings coverage of net charge-offs (x) | 65.9839% | 411 |
| Efficiency ratio | 59.7382% | 6,526 |
| Assets per employee ($millions) | 4.7679% | 2,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6135% | 3,223 |
| Loan loss allowance to noncurrent loans | 780.4000% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.1165% | 7,196 |
| Noncurrent loans to loans | 0.2067% | 6,910 |
| Net loans and leases to total assets | 55.4499% | 6,029 |
| Net loans and leases to deposits | 62.7390% | 6,390 |
| Net loans and leases to core deposits | 76.6638% | 6,361 |
| Total domestic deposits to total assets | 88.3819% | 1,779 |
| Equity capital to assets | 10.5889% | 3,085 |
| Core capital (leverage) ratio | 9.6461% | 3,524 |
| Tier 1 risk-based capital ratio | 14.2254% | 3,363 |
| Total risk-based capital ratio | 15.4570% | 3,328 |
| Memoranda: | ||
| Average total assets | $207,235,600 | 3,093 |
| Average earning assets | $182,460,600 | 3,191 |
| Average equity | $21,461,600 | 3,017 |
| Average total loans | $120,814,800 | 3,465 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3744% | 5,068 |
| Cost of funding earning assets | 0.8665% | 7,609 |
| Net interest margin | 4.5079% | 1,176 |
| Noninterest income to average assets | 0.8620% | 2,136 |
| Noninterest expense to average assets | 2.7113% | 5,269 |
| Loan and lease loss provision to assets | 0.2207% | 5,206 |
| Net operating income to assets | 1.1677% | 1,546 |
| Return on assets (ROA) | 1.1677% | 1,604 |
| Pretax return on assets | 1.9382% | 606 |
| Return on Equity (ROE) | 11.3424% | 1,531 |
| Retained earnings to average equity (ytd only) | 11.3424% | 432 |
| Net charge-offs to loans | 0.0684% | 6,004 |
| Credit loss provision to net charge-offs | 548.3871% | 717 |
| Earnings coverage of net charge-offs (x) | 53.6482% | 598 |
| Efficiency ratio | 55.6711% | 7,045 |
| Assets per employee ($millions) | 5.5944% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4932% | 3,480 |
| Loan loss allowance to noncurrent loans | 1,263.5714% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 7,411 |
| Noncurrent loans to loans | 0.1182% | 7,178 |
| Net loans and leases to total assets | 48.5118% | 6,911 |
| Net loans and leases to deposits | 53.9608% | 7,219 |
| Net loans and leases to core deposits | 63.3661% | 7,271 |
| Total domestic deposits to total assets | 89.9019% | 807 |
| Equity capital to assets | 9.2285% | 5,117 |
| Core capital (leverage) ratio | 9.7733% | 3,547 |
| Tier 1 risk-based capital ratio | 13.6756% | 3,731 |
| Total risk-based capital ratio | 14.7722% | 3,768 |
| Memoranda: | ||
| Average total assets | $205,406,000 | 3,142 |
| Average earning assets | $182,638,250 | 3,210 |
| Average equity | $21,147,250 | 3,079 |
| Average total loans | $120,788,250 | 3,492 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5997% | 4,077 |
| Cost of funding earning assets | 0.9452% | 7,631 |
| Net interest margin | 4.6546% | 865 |
| Noninterest income to average assets | 0.8870% | 2,034 |
| Noninterest expense to average assets | 2.8427% | 4,767 |
| Loan and lease loss provision to assets | 0.2189% | 4,848 |
| Net operating income to assets | 1.1586% | 1,587 |
| Return on assets (ROA) | 1.1586% | 1,667 |
| Pretax return on assets | 2.0053% | 559 |
| Return on Equity (ROE) | 10.7904% | 1,760 |
| Retained earnings to average equity (ytd only) | 10.7904% | 593 |
| Net charge-offs to loans | -0.0625% | 7,881 |
| Credit loss provision to net charge-offs | -557.8947% | 7,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1035% | 7,109 |
| Assets per employee ($millions) | 4.5566% | 2,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4492% | 3,471 |
| Loan loss allowance to noncurrent loans | 1,741.0000% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 7,479 |
| Noncurrent loans to loans | 0.0832% | 7,317 |
| Net loans and leases to total assets | 59.0502% | 5,833 |
| Net loans and leases to deposits | 66.8313% | 6,316 |
| Net loans and leases to core deposits | 77.8811% | 6,552 |
| Total domestic deposits to total assets | 88.3571% | 1,593 |
| Equity capital to assets | 10.6872% | 3,216 |
| Core capital (leverage) ratio | 10.7627% | 2,597 |
| Tier 1 risk-based capital ratio | 13.6179% | 3,744 |
| Total risk-based capital ratio | 14.7285% | 3,759 |
| Memoranda: | ||
| Average total assets | $193,688,000 | 3,295 |
| Average earning assets | $173,937,000 | 3,347 |
| Average equity | $20,796,330 | 3,129 |
| Average total loans | $121,561,330 | 3,501 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5105% | 4,854 |
| Cost of funding earning assets | 0.9497% | 7,751 |
| Net interest margin | 4.5608% | 1,015 |
| Noninterest income to average assets | 0.9165% | 1,788 |
| Noninterest expense to average assets | 2.8547% | 4,321 |
| Loan and lease loss provision to assets | 0.2270% | 4,175 |
| Net operating income to assets | 1.1709% | 1,737 |
| Return on assets (ROA) | 1.1709% | 1,853 |
| Pretax return on assets | 2.0243% | 641 |
| Return on Equity (ROE) | 10.8784% | 2,006 |
| Retained earnings to average equity (ytd only) | 10.8784% | 998 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9078% | 6,982 |
| Assets per employee ($millions) | 4.4392% | 2,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3254% | 3,936 |
| Loan loss allowance to noncurrent loans | 289.8551% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.2826% | 6,666 |
| Noncurrent loans to loans | 0.4573% | 6,277 |
| Net loans and leases to total assets | 60.9832% | 5,500 |
| Net loans and leases to deposits | 69.0800% | 6,065 |
| Net loans and leases to core deposits | 81.4357% | 6,271 |
| Total domestic deposits to total assets | 88.2791% | 1,589 |
| Equity capital to assets | 10.6309% | 3,347 |
| Core capital (leverage) ratio | 10.8001% | 2,653 |
| Tier 1 risk-based capital ratio | 13.1526% | 4,083 |
| Total risk-based capital ratio | 14.1666% | 4,165 |
| Memoranda: | ||
| Average total assets | $190,286,000 | 3,357 |
| Average earning assets | $174,792,500 | 3,353 |
| Average equity | $20,481,000 | 3,191 |
| Average total loans | $122,276,000 | 3,510 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4818% | 3,050 |
| Cost of funding earning assets | 1.1348% | 7,985 |
| Net interest margin | 5.3470% | 264 |
| Noninterest income to average assets | 1.1635% | 1,144 |
| Noninterest expense to average assets | 2.8764% | 4,524 |
| Loan and lease loss provision to assets | 0.3339% | 3,714 |
| Net operating income to assets | 1.6855% | 699 |
| Return on assets (ROA) | 1.6855% | 672 |
| Pretax return on assets | 2.7653% | 125 |
| Return on Equity (ROE) | 15.0313% | 918 |
| Retained earnings to average equity (ytd only) | 14.0725% | 116 |
| Net charge-offs to loans | 0.3612% | 3,029 |
| Credit loss provision to net charge-offs | 133.0952% | 4,000 |
| Earnings coverage of net charge-offs (x) | 12.3548% | 2,255 |
| Efficiency ratio | 48.1359% | 7,790 |
| Assets per employee ($millions) | 4.3080% | 2,943 |
| Cash dividends to net income (ytd only)* | 6.3785% | 4,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2040% | 4,500 |
| Loan loss allowance to noncurrent loans | 1,491.0000% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 7,362 |
| Noncurrent loans to loans | 0.0808% | 7,179 |
| Net loans and leases to total assets | 66.0446% | 4,837 |
| Net loans and leases to deposits | 74.8924% | 5,750 |
| Net loans and leases to core deposits | 88.0890% | 5,969 |
| Total domestic deposits to total assets | 88.1860% | 1,394 |
| Equity capital to assets | 10.9028% | 3,117 |
| Core capital (leverage) ratio | 10.9247% | 2,650 |
| Tier 1 risk-based capital ratio | 13.1295% | 4,047 |
| Total risk-based capital ratio | 14.1003% | 4,118 |
| Memoranda: | ||
| Average total assets | $167,431,800 | 3,588 |
| Average earning assets | $150,683,200 | 3,641 |
| Average equity | $18,774,200 | 3,434 |
| Average total loans | $116,268,800 | 3,540 |