| 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 | 3.3750% | 5,028 |
| Cost of funding earning assets | 0.8333% | 1,368 |
| Net interest margin | 2.5417% | 5,193 |
| Noninterest income to average assets | 0.3102% | 4,038 |
| Noninterest expense to average assets | 2.6867% | 3,070 |
| Loan and lease loss provision to assets | -0.0155% | 5,122 |
| Net operating income to assets | 0.1363% | 5,157 |
| Return on assets (ROA) | 0.1363% | 5,151 |
| Pretax return on assets | 0.1120% | 5,172 |
| Return on Equity (ROE) | 1.6906% | 5,081 |
| Retained earnings to average equity (ytd only) | 1.6906% | 4,468 |
| Net charge-offs to loans | -0.0110% | 4,522 |
| Credit loss provision to net charge-offs | 180.7692% | 1,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5330% | 202 |
| Assets per employee ($millions) | 11.2428% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3623% | 5,244 |
| Loan loss allowance to noncurrent loans | 46.3552% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 0.6188% | 2,191 |
| Noncurrent loans to loans | 0.7815% | 2,055 |
| Net loans and leases to total assets | 78.8988% | 1,112 |
| Net loans and leases to deposits | 113.3840% | 173 |
| Net loans and leases to core deposits | 115.8749% | 690 |
| Total domestic deposits to total assets | 69.5855% | 5,169 |
| Equity capital to assets | 7.9346% | 5,184 |
| Core capital (leverage) ratio | 8.3091% | 5,112 |
| Tier 1 risk-based capital ratio | 16.6321% | 2,194 |
| Total risk-based capital ratio | 17.2053% | 2,360 |
| Memoranda: |
| Average total assets | $303,645,800 | 2,136 |
| Average earning assets | $295,435,600 | 2,045 |
| Average equity | $24,488,400 | 2,680 |
| Average total loans | $235,704,800 | 1,910 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3087% | 5,115 |
| Cost of funding earning assets | 0.7894% | 1,386 |
| Net interest margin | 2.5193% | 5,271 |
| Noninterest income to average assets | 0.2951% | 4,174 |
| Noninterest expense to average assets | 2.7649% | 2,760 |
| Loan and lease loss provision to assets | -0.0208% | 5,236 |
| Net operating income to assets | 0.0346% | 5,282 |
| Return on assets (ROA) | 0.0346% | 5,280 |
| Pretax return on assets | 0.0035% | 5,292 |
| Return on Equity (ROE) | 0.4268% | 5,273 |
| Retained earnings to average equity (ytd only) | 0.4268% | 4,966 |
| Net charge-offs to loans | -0.0143% | 4,497 |
| Credit loss provision to net charge-offs | 188.0000% | 1,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6290% | 145 |
| Assets per employee ($millions) | 10.3089% | 298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3557% | 5,326 |
| Loan loss allowance to noncurrent loans | 55.6104% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 0.5075% | 2,683 |
| Noncurrent loans to loans | 0.6397% | 2,486 |
| Net loans and leases to total assets | 79.0573% | 1,156 |
| Net loans and leases to deposits | 115.0366% | 164 |
| Net loans and leases to core deposits | 118.5601% | 626 |
| Total domestic deposits to total assets | 68.7236% | 5,265 |
| Equity capital to assets | 7.5106% | 5,305 |
| Core capital (leverage) ratio | 8.2014% | 5,249 |
| Tier 1 risk-based capital ratio | 16.1220% | 2,397 |
| Total risk-based capital ratio | 16.6875% | 2,610 |
| Memoranda: |
| Average total assets | $300,858,000 | 2,160 |
| Average earning assets | $292,873,250 | 2,075 |
| Average equity | $24,366,000 | 2,703 |
| Average total loans | $232,312,500 | 1,935 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2811% | 5,154 |
| Cost of funding earning assets | 0.7324% | 1,458 |
| Net interest margin | 2.5487% | 5,308 |
| Noninterest income to average assets | 0.3014% | 4,165 |
| Noninterest expense to average assets | 2.8416% | 2,527 |
| Loan and lease loss provision to assets | -0.0319% | 5,347 |
| Net operating income to assets | 0.0197% | 5,330 |
| Return on assets (ROA) | 0.0197% | 5,325 |
| Pretax return on assets | -0.0278% | 5,347 |
| Return on Equity (ROE) | 0.2369% | 5,321 |
| Retained earnings to average equity (ytd only) | 0.2369% | 4,915 |
| Net charge-offs to loans | -0.0266% | 4,697 |
| Credit loss provision to net charge-offs | 156.6667% | 1,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1474% | 149 |
| Assets per employee ($millions) | 9.5641% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3835% | 5,373 |
| Loan loss allowance to noncurrent loans | 64.3515% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 0.4610% | 2,894 |
| Noncurrent loans to loans | 0.5959% | 2,631 |
| Net loans and leases to total assets | 77.0653% | 1,455 |
| Net loans and leases to deposits | 105.4161% | 464 |
| Net loans and leases to core deposits | 108.8503% | 1,061 |
| Total domestic deposits to total assets | 73.1059% | 5,114 |
| Equity capital to assets | 7.9290% | 5,249 |
| Core capital (leverage) ratio | 8.6579% | 4,988 |
| Tier 1 risk-based capital ratio | 17.3411% | 1,987 |
| Total risk-based capital ratio | 17.9546% | 2,139 |
| Memoranda: |
| Average total assets | $294,618,670 | 2,204 |
| Average earning assets | $286,737,330 | 2,120 |
| Average equity | $24,487,330 | 2,703 |
| Average total loans | $225,233,330 | 1,987 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2920% | 5,150 |
| Cost of funding earning assets | 0.6993% | 1,451 |
| Net interest margin | 2.5927% | 5,331 |
| Noninterest income to average assets | 0.3101% | 4,087 |
| Noninterest expense to average assets | 2.9242% | 2,272 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0083% | 5,385 |
| Return on assets (ROA) | 0.0083% | 5,382 |
| Pretax return on assets | -0.0886% | 5,413 |
| Return on Equity (ROE) | 0.0976% | 5,380 |
| Retained earnings to average equity (ytd only) | 0.0976% | 4,792 |
| Net charge-offs to loans | -0.0656% | 5,082 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.1250% | 148 |
| Assets per employee ($millions) | 8.7821% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4312% | 5,403 |
| Loan loss allowance to noncurrent loans | 70.6618% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 0.4693% | 2,976 |
| Noncurrent loans to loans | 0.6102% | 2,714 |
| Net loans and leases to total assets | 76.5749% | 1,443 |
| Net loans and leases to deposits | 101.1117% | 634 |
| Net loans and leases to core deposits | 105.3276% | 1,289 |
| Total domestic deposits to total assets | 75.7330% | 4,988 |
| Equity capital to assets | 8.3876% | 5,055 |
| Core capital (leverage) ratio | 8.8823% | 4,814 |
| Tier 1 risk-based capital ratio | 18.5263% | 1,681 |
| Total risk-based capital ratio | 19.2206% | 1,791 |
| Memoranda: |
| Average total assets | $288,902,000 | 2,255 |
| Average earning assets | $281,409,500 | 2,171 |
| Average equity | $24,597,500 | 2,715 |
| Average total loans | $219,466,000 | 2,046 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2923% | 5,089 |
| Cost of funding earning assets | 0.6360% | 1,379 |
| Net interest margin | 2.6562% | 5,311 |
| Noninterest income to average assets | 0.3472% | 3,981 |
| Noninterest expense to average assets | 3.0775% | 1,928 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -2.0107% | 5,641 |
| Return on assets (ROA) | -2.0107% | 5,640 |
| Pretax return on assets | -0.1838% | 5,495 |
| Return on Equity (ROE) | -19.6525% | 5,642 |
| Retained earnings to average equity (ytd only) | -19.6525% | 5,618 |
| Net charge-offs to loans | 0.0295% | 3,212 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | -8.5806% | 4,082 |
| Efficiency ratio | 106.3515% | 121 |
| Assets per employee ($millions) | 8.4704% | 540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4277% | 5,466 |
| Loan loss allowance to noncurrent loans | 64.6154% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 0.4965% | 2,895 |
| Noncurrent loans to loans | 0.6619% | 2,558 |
| Net loans and leases to total assets | 74.6978% | 1,810 |
| Net loans and leases to deposits | 97.1763% | 975 |
| Net loans and leases to core deposits | 101.0361% | 1,630 |
| Total domestic deposits to total assets | 76.8683% | 4,871 |
| Equity capital to assets | 8.6415% | 4,997 |
| Core capital (leverage) ratio | 8.6041% | 5,038 |
| Tier 1 risk-based capital ratio | 18.7755% | 1,564 |
| Total risk-based capital ratio | 19.4522% | 1,691 |
| Memoranda: |
| Average total assets | $289,451,800 | 2,222 |
| Average earning assets | $277,497,200 | 2,172 |
| Average equity | $29,614,600 | 2,387 |
| Average total loans | $210,117,000 | 2,077 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2812% | 5,138 |
| Cost of funding earning assets | 0.6260% | 1,374 |
| Net interest margin | 2.6552% | 5,366 |
| Noninterest income to average assets | 0.3455% | 4,070 |
| Noninterest expense to average assets | 3.1113% | 1,766 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.1472% | 5,565 |
| Return on assets (ROA) | -0.1472% | 5,571 |
| Pretax return on assets | -0.2291% | 5,582 |
| Return on Equity (ROE) | -1.3854% | 5,571 |
| Retained earnings to average equity (ytd only) | -1.3854% | 5,383 |
| Net charge-offs to loans | 0.0211% | 3,058 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -15.0905% | 3,772 |
| Efficiency ratio | 107.9489% | 108 |
| Assets per employee ($millions) | 8.4817% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4409% | 5,526 |
| Loan loss allowance to noncurrent loans | 63.7275% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 0.5043% | 3,054 |
| Noncurrent loans to loans | 0.6919% | 2,635 |
| Net loans and leases to total assets | 72.5668% | 2,173 |
| Net loans and leases to deposits | 93.1977% | 1,399 |
| Net loans and leases to core deposits | 96.4025% | 2,029 |
| Total domestic deposits to total assets | 77.8632% | 4,755 |
| Equity capital to assets | 10.3638% | 3,523 |
| Core capital (leverage) ratio | 8.9129% | 4,846 |
| Tier 1 risk-based capital ratio | 19.0956% | 1,557 |
| Total risk-based capital ratio | 19.7990% | 1,667 |
| Memoranda: |
| Average total assets | $289,816,000 | 2,234 |
| Average earning assets | $276,886,250 | 2,189 |
| Average equity | $30,796,500 | 2,319 |
| Average total loans | $208,633,750 | 2,095 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2866% | 5,127 |
| Cost of funding earning assets | 0.6177% | 1,343 |
| Net interest margin | 2.6690% | 5,394 |
| Noninterest income to average assets | 0.3374% | 4,133 |
| Noninterest expense to average assets | 3.1308% | 1,766 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.1586% | 5,607 |
| Return on assets (ROA) | -0.1586% | 5,608 |
| Pretax return on assets | -0.2470% | 5,623 |
| Return on Equity (ROE) | -1.4802% | 5,606 |
| Retained earnings to average equity (ytd only) | -1.4802% | 5,290 |
| Net charge-offs to loans | 0.0272% | 2,671 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -12.6786% | 3,482 |
| Efficiency ratio | 108.5645% | 111 |
| Assets per employee ($millions) | 7.8757% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4589% | 5,558 |
| Loan loss allowance to noncurrent loans | 59.0517% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 0.5573% | 2,901 |
| Noncurrent loans to loans | 0.7771% | 2,462 |
| Net loans and leases to total assets | 71.3868% | 2,305 |
| Net loans and leases to deposits | 90.6271% | 1,652 |
| Net loans and leases to core deposits | 93.8295% | 2,168 |
| Total domestic deposits to total assets | 78.7697% | 4,672 |
| Equity capital to assets | 10.6009% | 3,226 |
| Core capital (leverage) ratio | 9.0374% | 4,682 |
| Tier 1 risk-based capital ratio | 19.4204% | 1,492 |
| Total risk-based capital ratio | 20.1350% | 1,574 |
| Memoranda: |
| Average total assets | $287,468,330 | 2,257 |
| Average earning assets | $274,263,000 | 2,204 |
| Average equity | $30,806,670 | 2,312 |
| Average total loans | $206,053,330 | 2,119 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2769% | 5,139 |
| Cost of funding earning assets | 0.6061% | 1,337 |
| Net interest margin | 2.6708% | 5,420 |
| Noninterest income to average assets | 0.3082% | 4,350 |
| Noninterest expense to average assets | 3.1411% | 1,761 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.1807% | 5,671 |
| Return on assets (ROA) | -0.1807% | 5,672 |
| Pretax return on assets | -0.2830% | 5,684 |
| Return on Equity (ROE) | -1.6773% | 5,674 |
| Retained earnings to average equity (ytd only) | -1.6773% | 5,142 |
| Net charge-offs to loans | 0.0528% | 1,815 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -7.4815% | 2,911 |
| Efficiency ratio | 109.9020% | 130 |
| Assets per employee ($millions) | 8.2309% | 560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4670% | 5,624 |
| Loan loss allowance to noncurrent loans | 58.0762% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 0.5738% | 2,941 |
| Noncurrent loans to loans | 0.8041% | 2,440 |
| Net loans and leases to total assets | 71.0278% | 2,214 |
| Net loans and leases to deposits | 88.2176% | 1,768 |
| Net loans and leases to core deposits | 90.9972% | 2,269 |
| Total domestic deposits to total assets | 80.5143% | 4,520 |
| Equity capital to assets | 10.6334% | 3,035 |
| Core capital (leverage) ratio | 9.0819% | 4,647 |
| Tier 1 risk-based capital ratio | 19.9377% | 1,410 |
| Total risk-based capital ratio | 20.6739% | 1,483 |
| Memoranda: |
| Average total assets | $285,502,500 | 2,287 |
| Average earning assets | $272,575,500 | 2,233 |
| Average equity | $30,764,500 | 2,315 |
| Average total loans | $204,590,000 | 2,140 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6547% | 4,356 |
| Cost of funding earning assets | 0.6391% | 1,115 |
| Net interest margin | 3.0155% | 4,925 |
| Noninterest income to average assets | 0.3824% | 4,017 |
| Noninterest expense to average assets | 3.2141% | 1,760 |
| Loan and lease loss provision to assets | -0.1285% | 5,722 |
| Net operating income to assets | 0.0934% | 5,569 |
| Return on assets (ROA) | 0.0934% | 5,602 |
| Pretax return on assets | 0.1586% | 5,536 |
| Return on Equity (ROE) | 0.8257% | 5,590 |
| Retained earnings to average equity (ytd only) | 0.8257% | 4,996 |
| Net charge-offs to loans | 0.2030% | 1,370 |
| Credit loss provision to net charge-offs | -81.4220% | 4,865 |
| Earnings coverage of net charge-offs (x) | 0.1904% | 4,126 |
| Efficiency ratio | 99.0736% | 238 |
| Assets per employee ($millions) | 7.8589% | 643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4843% | 5,672 |
| Loan loss allowance to noncurrent loans | 56.3751% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 0.6426% | 2,799 |
| Noncurrent loans to loans | 0.8590% | 2,383 |
| Net loans and leases to total assets | 71.6151% | 2,218 |
| Net loans and leases to deposits | 91.0609% | 1,569 |
| Net loans and leases to core deposits | 93.9381% | 2,115 |
| Total domestic deposits to total assets | 78.6454% | 4,877 |
| Equity capital to assets | 10.9203% | 2,695 |
| Core capital (leverage) ratio | 9.0234% | 4,714 |
| Tier 1 risk-based capital ratio | 20.1339% | 1,352 |
| Total risk-based capital ratio | 20.8892% | 1,409 |
| Memoranda: |
| Average total assets | $276,159,600 | 2,310 |
| Average earning assets | $262,075,600 | 2,267 |
| Average equity | $31,244,600 | 2,275 |
| Average total loans | $214,814,800 | 2,011 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7212% | 4,178 |
| Cost of funding earning assets | 0.6482% | 1,068 |
| Net interest margin | 3.0730% | 4,851 |
| Noninterest income to average assets | 0.3522% | 4,267 |
| Noninterest expense to average assets | 3.2042% | 1,762 |
| Loan and lease loss provision to assets | 0.0233% | 3,779 |
| Net operating income to assets | 0.0209% | 5,703 |
| Return on assets (ROA) | 0.0209% | 5,728 |
| Pretax return on assets | 0.0403% | 5,717 |
| Return on Equity (ROE) | 0.1830% | 5,728 |
| Retained earnings to average equity (ytd only) | 0.1830% | 5,295 |
| Net charge-offs to loans | 0.2230% | 1,051 |
| Credit loss provision to net charge-offs | 13.1868% | 3,344 |
| Earnings coverage of net charge-offs (x) | 0.3599% | 3,795 |
| Efficiency ratio | 98.0526% | 259 |
| Assets per employee ($millions) | 7.7341% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6946% | 5,440 |
| Loan loss allowance to noncurrent loans | 72.2689% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 0.7514% | 2,680 |
| Noncurrent loans to loans | 0.9611% | 2,319 |
| Net loans and leases to total assets | 75.0703% | 1,691 |
| Net loans and leases to deposits | 94.4504% | 1,216 |
| Net loans and leases to core deposits | 97.4365% | 1,869 |
| Total domestic deposits to total assets | 79.4812% | 4,622 |
| Equity capital to assets | 11.2909% | 2,712 |
| Core capital (leverage) ratio | 9.3443% | 4,400 |
| Tier 1 risk-based capital ratio | 19.4890% | 1,554 |
| Total risk-based capital ratio | 20.5692% | 1,554 |
| Memoranda: |
| Average total assets | $274,469,000 | 2,330 |
| Average earning assets | $260,413,250 | 2,290 |
| Average equity | $31,331,750 | 2,280 |
| Average total loans | $217,618,250 | 1,995 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8129% | 3,911 |
| Cost of funding earning assets | 0.6384% | 1,098 |
| Net interest margin | 3.1744% | 4,626 |
| Noninterest income to average assets | 0.3170% | 4,512 |
| Noninterest expense to average assets | 3.1953% | 1,819 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0805% | 5,689 |
| Return on assets (ROA) | 0.0805% | 5,730 |
| Pretax return on assets | 0.1362% | 5,684 |
| Return on Equity (ROE) | 0.7030% | 5,727 |
| Retained earnings to average equity (ytd only) | 0.7030% | 5,092 |
| Net charge-offs to loans | 0.1627% | 1,359 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1.0391% | 3,461 |
| Efficiency ratio | 95.9121% | 349 |
| Assets per employee ($millions) | 6.9766% | 885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7369% | 5,439 |
| Loan loss allowance to noncurrent loans | 67.8556% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 0.8824% | 2,389 |
| Noncurrent loans to loans | 1.0859% | 2,115 |
| Net loans and leases to total assets | 79.1149% | 1,046 |
| Net loans and leases to deposits | 98.3385% | 855 |
| Net loans and leases to core deposits | 101.3661% | 1,523 |
| Total domestic deposits to total assets | 80.4516% | 4,431 |
| Equity capital to assets | 11.5966% | 2,445 |
| Core capital (leverage) ratio | 9.3710% | 4,373 |
| Tier 1 risk-based capital ratio | 19.4077% | 1,589 |
| Total risk-based capital ratio | 20.5776% | 1,579 |
| Memoranda: |
| Average total assets | $273,149,670 | 2,352 |
| Average earning assets | $259,384,670 | 2,304 |
| Average equity | $31,296,670 | 2,287 |
| Average total loans | $219,998,330 | 1,983 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5574% | 4,745 |
| Cost of funding earning assets | 0.6250% | 1,184 |
| Net interest margin | 2.9324% | 5,255 |
| Noninterest income to average assets | 0.3391% | 4,309 |
| Noninterest expense to average assets | 3.1146% | 2,062 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0015% | 5,784 |
| Return on assets (ROA) | 0.0015% | 5,812 |
| Pretax return on assets | 0.0088% | 5,800 |
| Return on Equity (ROE) | 0.0128% | 5,813 |
| Retained earnings to average equity (ytd only) | 0.0128% | 5,102 |
| Net charge-offs to loans | 0.1011% | 1,521 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.1071% | 2,967 |
| Efficiency ratio | 99.7192% | 298 |
| Assets per employee ($millions) | 7.5670% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7759% | 5,431 |
| Loan loss allowance to noncurrent loans | 62.8791% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 1.0261% | 2,157 |
| Noncurrent loans to loans | 1.2340% | 1,959 |
| Net loans and leases to total assets | 78.6048% | 1,012 |
| Net loans and leases to deposits | 96.3517% | 910 |
| Net loans and leases to core deposits | 99.1874% | 1,545 |
| Total domestic deposits to total assets | 81.5811% | 4,335 |
| Equity capital to assets | 11.1612% | 2,759 |
| Core capital (leverage) ratio | 9.8884% | 3,676 |
| Tier 1 risk-based capital ratio | 18.8521% | 1,764 |
| Total risk-based capital ratio | 20.0897% | 1,736 |
| Memoranda: |
| Average total assets | $273,680,000 | 2,357 |
| Average earning assets | $259,854,000 | 2,307 |
| Average equity | $31,168,500 | 2,293 |
| Average total loans | $221,567,000 | 1,970 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6578% | 4,498 |
| Cost of funding earning assets | 0.6202% | 1,236 |
| Net interest margin | 3.0375% | 5,053 |
| Noninterest income to average assets | 0.3524% | 4,384 |
| Noninterest expense to average assets | 3.0525% | 2,376 |
| Loan and lease loss provision to assets | 0.0577% | 3,160 |
| Net operating income to assets | 0.1821% | 5,615 |
| Return on assets (ROA) | 0.1821% | 5,666 |
| Pretax return on assets | 0.1176% | 5,780 |
| Return on Equity (ROE) | 1.5562% | 5,671 |
| Retained earnings to average equity (ytd only) | 1.5562% | 4,832 |
| Net charge-offs to loans | 0.1796% | 1,598 |
| Credit loss provision to net charge-offs | 39.5833% | 3,538 |
| Earnings coverage of net charge-offs (x) | 1.2031% | 4,128 |
| Efficiency ratio | 94.5711% | 459 |
| Assets per employee ($millions) | 7.2265% | 815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8029% | 5,403 |
| Loan loss allowance to noncurrent loans | 60.0744% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 1.1063% | 1,983 |
| Noncurrent loans to loans | 1.3364% | 1,763 |
| Net loans and leases to total assets | 82.1147% | 586 |
| Net loans and leases to deposits | 101.6684% | 562 |
| Net loans and leases to core deposits | 104.6496% | 1,187 |
| Total domestic deposits to total assets | 80.7671% | 4,552 |
| Equity capital to assets | 11.6269% | 2,253 |
| Core capital (leverage) ratio | 10.0820% | 3,397 |
| Tier 1 risk-based capital ratio | 18.6668% | 1,783 |
| Total risk-based capital ratio | 19.9371% | 1,733 |
| Memoranda: |
| Average total assets | $263,655,000 | 2,392 |
| Average earning assets | $249,579,400 | 2,341 |
| Average equity | $30,844,800 | 2,259 |
| Average total loans | $213,834,800 | 1,964 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6136% | 4,692 |
| Cost of funding earning assets | 0.6188% | 1,290 |
| Net interest margin | 2.9948% | 5,202 |
| Noninterest income to average assets | 0.4029% | 4,065 |
| Noninterest expense to average assets | 3.0693% | 2,305 |
| Loan and lease loss provision to assets | 0.0655% | 2,873 |
| Net operating income to assets | 0.0594% | 5,886 |
| Return on assets (ROA) | 0.0594% | 5,928 |
| Pretax return on assets | 0.1025% | 5,887 |
| Return on Equity (ROE) | 0.5068% | 5,921 |
| Retained earnings to average equity (ytd only) | 0.5068% | 5,473 |
| Net charge-offs to loans | 0.2416% | 1,080 |
| Credit loss provision to net charge-offs | 33.5938% | 3,241 |
| Earnings coverage of net charge-offs (x) | 0.8620% | 3,904 |
| Efficiency ratio | 94.8111% | 459 |
| Assets per employee ($millions) | 7.0760% | 840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7969% | 5,520 |
| Loan loss allowance to noncurrent loans | 62.3312% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 1.0748% | 2,212 |
| Noncurrent loans to loans | 1.2785% | 2,000 |
| Net loans and leases to total assets | 83.3973% | 431 |
| Net loans and leases to deposits | 111.8055% | 218 |
| Net loans and leases to core deposits | 114.8876% | 638 |
| Total domestic deposits to total assets | 74.5914% | 5,653 |
| Equity capital to assets | 11.7928% | 2,270 |
| Core capital (leverage) ratio | 10.1089% | 3,491 |
| Tier 1 risk-based capital ratio | 18.8385% | 1,810 |
| Total risk-based capital ratio | 20.1045% | 1,777 |
| Memoranda: |
| Average total assets | $262,723,500 | 2,418 |
| Average earning assets | $248,648,750 | 2,371 |
| Average equity | $30,784,000 | 2,281 |
| Average total loans | $211,959,500 | 1,992 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6037% | 4,710 |
| Cost of funding earning assets | 0.6018% | 1,400 |
| Net interest margin | 3.0019% | 5,211 |
| Noninterest income to average assets | 0.4091% | 4,014 |
| Noninterest expense to average assets | 3.0795% | 2,306 |
| Loan and lease loss provision to assets | 0.0335% | 3,447 |
| Net operating income to assets | 0.0806% | 5,902 |
| Return on assets (ROA) | 0.0806% | 5,946 |
| Pretax return on assets | 0.1369% | 5,898 |
| Return on Equity (ROE) | 0.6893% | 5,942 |
| Retained earnings to average equity (ytd only) | 0.6893% | 5,286 |
| Net charge-offs to loans | 0.2380% | 1,082 |
| Credit loss provision to net charge-offs | 17.6707% | 3,037 |
| Earnings coverage of net charge-offs (x) | 0.8996% | 3,605 |
| Efficiency ratio | 94.7590% | 490 |
| Assets per employee ($millions) | 7.4043% | 694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8493% | 5,470 |
| Loan loss allowance to noncurrent loans | 67.3767% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 1.0038% | 2,516 |
| Noncurrent loans to loans | 1.2605% | 2,142 |
| Net loans and leases to total assets | 76.8349% | 1,250 |
| Net loans and leases to deposits | 94.3713% | 1,118 |
| Net loans and leases to core deposits | 96.3863% | 1,767 |
| Total domestic deposits to total assets | 81.4177% | 4,478 |
| Equity capital to assets | 11.2159% | 2,657 |
| Core capital (leverage) ratio | 10.3206% | 3,195 |
| Tier 1 risk-based capital ratio | 19.3810% | 1,699 |
| Total risk-based capital ratio | 20.6589% | 1,661 |
| Memoranda: |
| Average total assets | $263,027,000 | 2,433 |
| Average earning assets | $248,909,670 | 2,377 |
| Average equity | $30,753,670 | 2,292 |
| Average total loans | $209,246,330 | 2,018 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6930% | 4,387 |
| Cost of funding earning assets | 0.6051% | 1,397 |
| Net interest margin | 3.0879% | 4,986 |
| Noninterest income to average assets | 0.4380% | 3,707 |
| Noninterest expense to average assets | 3.1573% | 2,100 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1196% | 5,842 |
| Return on assets (ROA) | 0.1196% | 5,902 |
| Pretax return on assets | 0.1972% | 5,829 |
| Return on Equity (ROE) | 1.0011% | 5,909 |
| Retained earnings to average equity (ytd only) | 1.0011% | 5,070 |
| Net charge-offs to loans | 0.1252% | 1,511 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.9538% | 2,842 |
| Efficiency ratio | 94.1204% | 591 |
| Assets per employee ($millions) | 7.5972% | 648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9266% | 5,341 |
| Loan loss allowance to noncurrent loans | 59.1061% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 1.2733% | 2,094 |
| Noncurrent loans to loans | 1.5677% | 1,781 |
| Net loans and leases to total assets | 80.4670% | 636 |
| Net loans and leases to deposits | 101.5378% | 483 |
| Net loans and leases to core deposits | 103.5764% | 1,092 |
| Total domestic deposits to total assets | 79.2483% | 5,222 |
| Equity capital to assets | 11.9575% | 2,059 |
| Core capital (leverage) ratio | 10.4085% | 3,091 |
| Tier 1 risk-based capital ratio | 19.1753% | 1,826 |
| Total risk-based capital ratio | 20.4537% | 1,773 |
| Memoranda: |
| Average total assets | $257,560,500 | 2,490 |
| Average earning assets | $243,268,500 | 2,443 |
| Average equity | $30,767,000 | 2,307 |
| Average total loans | $207,719,500 | 2,029 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7818% | 4,547 |
| Cost of funding earning assets | 0.6034% | 1,733 |
| Net interest margin | 3.1784% | 4,992 |
| Noninterest income to average assets | 0.2323% | 5,470 |
| Noninterest expense to average assets | 3.1859% | 2,249 |
| Loan and lease loss provision to assets | 0.3221% | 611 |
| Net operating income to assets | 0.3398% | 5,404 |
| Return on assets (ROA) | 0.4000% | 5,289 |
| Pretax return on assets | -0.1486% | 6,165 |
| Return on Equity (ROE) | 3.5693% | 5,272 |
| Retained earnings to average equity (ytd only) | 3.5693% | 3,685 |
| Net charge-offs to loans | 0.6556% | 589 |
| Credit loss provision to net charge-offs | 68.0454% | 3,116 |
| Earnings coverage of net charge-offs (x) | 0.1679% | 4,685 |
| Efficiency ratio | 97.5664% | 441 |
| Assets per employee ($millions) | 7.5534% | 646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9769% | 5,164 |
| Loan loss allowance to noncurrent loans | 57.0739% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 1.3878% | 2,009 |
| Noncurrent loans to loans | 1.7117% | 1,706 |
| Net loans and leases to total assets | 79.2925% | 843 |
| Net loans and leases to deposits | 104.1313% | 430 |
| Net loans and leases to core deposits | 106.4725% | 991 |
| Total domestic deposits to total assets | 76.1466% | 5,709 |
| Equity capital to assets | 11.9335% | 2,059 |
| Core capital (leverage) ratio | 10.8961% | 2,500 |
| Tier 1 risk-based capital ratio | 19.4287% | 1,740 |
| Total risk-based capital ratio | 20.6809% | 1,710 |
| Memoranda: |
| Average total assets | $260,488,200 | 2,422 |
| Average earning assets | $248,587,200 | 2,356 |
| Average equity | $29,193,000 | 2,329 |
| Average total loans | $188,074,400 | 2,135 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7743% | 4,643 |
| Cost of funding earning assets | 0.6038% | 1,793 |
| Net interest margin | 3.1705% | 5,056 |
| Noninterest income to average assets | 0.2081% | 5,687 |
| Noninterest expense to average assets | 3.1297% | 2,384 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0536% | 6,083 |
| Return on assets (ROA) | 0.1199% | 6,028 |
| Pretax return on assets | 0.2137% | 5,927 |
| Return on Equity (ROE) | 1.0868% | 6,015 |
| Retained earnings to average equity (ytd only) | 1.0868% | 5,448 |
| Net charge-offs to loans | 0.4159% | 952 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.3770% | 4,399 |
| Efficiency ratio | 96.5995% | 480 |
| Assets per employee ($millions) | 8.4733% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9207% | 5,532 |
| Loan loss allowance to noncurrent loans | 53.6972% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 1.3093% | 2,368 |
| Noncurrent loans to loans | 1.7146% | 1,895 |
| Net loans and leases to total assets | 72.6302% | 1,739 |
| Net loans and leases to deposits | 102.9279% | 455 |
| Net loans and leases to core deposits | 105.4318% | 991 |
| Total domestic deposits to total assets | 70.5642% | 6,255 |
| Equity capital to assets | 11.0350% | 2,920 |
| Core capital (leverage) ratio | 10.0393% | 3,621 |
| Tier 1 risk-based capital ratio | 19.4723% | 1,788 |
| Total risk-based capital ratio | 20.7229% | 1,759 |
| Memoranda: |
| Average total assets | $261,406,500 | 2,438 |
| Average earning assets | $249,967,000 | 2,358 |
| Average equity | $28,829,500 | 2,367 |
| Average total loans | $183,682,000 | 2,194 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7835% | 4,583 |
| Cost of funding earning assets | 0.6123% | 1,790 |
| Net interest margin | 3.1711% | 5,038 |
| Noninterest income to average assets | 0.2231% | 5,611 |
| Noninterest expense to average assets | 3.1074% | 2,467 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0790% | 6,085 |
| Return on assets (ROA) | 0.0790% | 6,109 |
| Pretax return on assets | 0.1449% | 6,032 |
| Return on Equity (ROE) | 0.7167% | 6,103 |
| Retained earnings to average equity (ytd only) | 0.7167% | 5,449 |
| Net charge-offs to loans | 0.5989% | 671 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.3495% | 4,065 |
| Efficiency ratio | 95.5455% | 579 |
| Assets per employee ($millions) | 9.4894% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9723% | 5,475 |
| Loan loss allowance to noncurrent loans | 53.0682% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 1.2791% | 2,561 |
| Noncurrent loans to loans | 1.8321% | 1,870 |
| Net loans and leases to total assets | 69.1370% | 2,214 |
| Net loans and leases to deposits | 84.2474% | 2,013 |
| Net loans and leases to core deposits | 85.9684% | 2,517 |
| Total domestic deposits to total assets | 82.0643% | 4,624 |
| Equity capital to assets | 10.9526% | 2,923 |
| Core capital (leverage) ratio | 9.8459% | 3,823 |
| Tier 1 risk-based capital ratio | 19.4938% | 1,801 |
| Total risk-based capital ratio | 20.7448% | 1,773 |
| Memoranda: |
| Average total assets | $258,160,000 | 2,472 |
| Average earning assets | $246,599,000 | 2,385 |
| Average equity | $28,465,670 | 2,376 |
| Average total loans | $178,654,670 | 2,248 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8351% | 4,340 |
| Cost of funding earning assets | 0.6397% | 1,651 |
| Net interest margin | 3.1954% | 4,934 |
| Noninterest income to average assets | 0.1987% | 5,769 |
| Noninterest expense to average assets | 3.1245% | 2,461 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0657% | 6,096 |
| Return on assets (ROA) | 0.0657% | 6,120 |
| Pretax return on assets | 0.1234% | 6,037 |
| Return on Equity (ROE) | 0.5936% | 6,122 |
| Retained earnings to average equity (ytd only) | 0.5936% | 5,346 |
| Net charge-offs to loans | 0.0535% | 2,629 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.3478% | 2,698 |
| Efficiency ratio | 96.2013% | 630 |
| Assets per employee ($millions) | 8.4339% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3470% | 3,866 |
| Loan loss allowance to noncurrent loans | 56.7477% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 1.6963% | 2,082 |
| Noncurrent loans to loans | 2.3737% | 1,482 |
| Net loans and leases to total assets | 68.8917% | 2,072 |
| Net loans and leases to deposits | 86.6462% | 1,514 |
| Net loans and leases to core deposits | 88.8524% | 2,013 |
| Total domestic deposits to total assets | 79.5092% | 5,597 |
| Equity capital to assets | 10.9823% | 2,730 |
| Core capital (leverage) ratio | 9.9687% | 3,613 |
| Tier 1 risk-based capital ratio | 19.6574% | 1,801 |
| Total risk-based capital ratio | 20.9150% | 1,770 |
| Memoranda: |
| Average total assets | $249,643,000 | 2,561 |
| Average earning assets | $238,220,500 | 2,465 |
| Average equity | $27,628,000 | 2,429 |
| Average total loans | $171,917,500 | 2,322 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7937% | 4,841 |
| Cost of funding earning assets | 0.6309% | 2,380 |
| Net interest margin | 3.1628% | 5,118 |
| Noninterest income to average assets | 0.2992% | 5,206 |
| Noninterest expense to average assets | 2.9562% | 3,178 |
| Loan and lease loss provision to assets | 0.0877% | 3,348 |
| Net operating income to assets | 1.6509% | 633 |
| Return on assets (ROA) | 1.6616% | 633 |
| Pretax return on assets | 0.3199% | 5,675 |
| Return on Equity (ROE) | 16.6534% | 546 |
| Retained earnings to average equity (ytd only) | 16.6534% | 135 |
| Net charge-offs to loans | 0.2694% | 2,355 |
| Credit loss provision to net charge-offs | 50.1134% | 3,813 |
| Earnings coverage of net charge-offs (x) | 2.2676% | 4,262 |
| Efficiency ratio | 88.1643% | 1,195 |
| Assets per employee ($millions) | 7.6959% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4376% | 3,480 |
| Loan loss allowance to noncurrent loans | 58.7674% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 1.9909% | 1,806 |
| Noncurrent loans to loans | 2.4463% | 1,561 |
| Net loans and leases to total assets | 66.8961% | 2,541 |
| Net loans and leases to deposits | 82.5066% | 2,129 |
| Net loans and leases to core deposits | 84.6326% | 2,596 |
| Total domestic deposits to total assets | 81.0797% | 5,152 |
| Equity capital to assets | 11.1540% | 2,469 |
| Core capital (leverage) ratio | 10.2295% | 3,252 |
| Tier 1 risk-based capital ratio | 20.0455% | 1,643 |
| Total risk-based capital ratio | 21.3042% | 1,611 |
| Memoranda: |
| Average total assets | $251,979,600 | 2,511 |
| Average earning assets | $243,298,600 | 2,397 |
| Average equity | $25,142,000 | 2,614 |
| Average total loans | $163,716,800 | 2,371 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8026% | 4,848 |
| Cost of funding earning assets | 0.6655% | 2,216 |
| Net interest margin | 3.1371% | 5,210 |
| Noninterest income to average assets | 0.3115% | 5,209 |
| Noninterest expense to average assets | 2.9396% | 3,169 |
| Loan and lease loss provision to assets | 0.1163% | 2,839 |
| Net operating income to assets | 0.2691% | 5,717 |
| Return on assets (ROA) | 0.2820% | 5,784 |
| Pretax return on assets | 0.3104% | 5,849 |
| Return on Equity (ROE) | 2.9098% | 5,638 |
| Retained earnings to average equity (ytd only) | 2.9098% | 4,584 |
| Net charge-offs to loans | 0.2865% | 2,107 |
| Credit loss provision to net charge-offs | 63.1429% | 3,225 |
| Earnings coverage of net charge-offs (x) | 2.2400% | 4,095 |
| Efficiency ratio | 87.6942% | 1,197 |
| Assets per employee ($millions) | 8.1801% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5023% | 3,441 |
| Loan loss allowance to noncurrent loans | 63.7037% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 1.8867% | 2,153 |
| Noncurrent loans to loans | 2.3583% | 1,866 |
| Net loans and leases to total assets | 66.6315% | 2,536 |
| Net loans and leases to deposits | 82.9853% | 2,002 |
| Net loans and leases to core deposits | 84.8829% | 2,555 |
| Total domestic deposits to total assets | 80.2932% | 5,431 |
| Equity capital to assets | 9.8373% | 4,118 |
| Core capital (leverage) ratio | 9.7905% | 3,971 |
| Tier 1 risk-based capital ratio | 20.2672% | 1,666 |
| Total risk-based capital ratio | 21.5275% | 1,636 |
| Memoranda: |
| Average total assets | $253,407,000 | 2,517 |
| Average earning assets | $245,617,250 | 2,385 |
| Average equity | $24,560,250 | 2,704 |
| Average total loans | $162,859,000 | 2,394 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7615% | 4,953 |
| Cost of funding earning assets | 0.6740% | 2,272 |
| Net interest margin | 3.0875% | 5,307 |
| Noninterest income to average assets | 0.2624% | 5,582 |
| Noninterest expense to average assets | 2.8570% | 3,485 |
| Loan and lease loss provision to assets | 0.1726% | 2,178 |
| Net operating income to assets | 0.2015% | 5,883 |
| Return on assets (ROA) | 0.2015% | 6,016 |
| Pretax return on assets | 0.2273% | 6,035 |
| Return on Equity (ROE) | 2.0891% | 5,924 |
| Retained earnings to average equity (ytd only) | 2.0891% | 4,940 |
| Net charge-offs to loans | 0.2348% | 2,311 |
| Credit loss provision to net charge-offs | 116.3158% | 1,907 |
| Earnings coverage of net charge-offs (x) | 2.6947% | 3,620 |
| Efficiency ratio | 87.7218% | 1,249 |
| Assets per employee ($millions) | 7.9228% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5835% | 3,214 |
| Loan loss allowance to noncurrent loans | 74.0100% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 1.6475% | 2,633 |
| Noncurrent loans to loans | 2.1395% | 2,238 |
| Net loans and leases to total assets | 65.0626% | 2,748 |
| Net loans and leases to deposits | 83.8874% | 1,819 |
| Net loans and leases to core deposits | 86.5168% | 2,291 |
| Total domestic deposits to total assets | 77.5595% | 6,057 |
| Equity capital to assets | 9.3923% | 4,730 |
| Core capital (leverage) ratio | 9.3674% | 4,440 |
| Tier 1 risk-based capital ratio | 19.5500% | 1,843 |
| Total risk-based capital ratio | 20.8112% | 1,815 |
| Memoranda: |
| Average total assets | $256,075,330 | 2,496 |
| Average earning assets | $248,358,670 | 2,362 |
| Average equity | $24,700,000 | 2,697 |
| Average total loans | $161,809,000 | 2,414 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7201% | 5,094 |
| Cost of funding earning assets | 0.6934% | 2,277 |
| Net interest margin | 3.0267% | 5,499 |
| Noninterest income to average assets | 0.2534% | 5,645 |
| Noninterest expense to average assets | 2.7962% | 3,713 |
| Loan and lease loss provision to assets | 0.2394% | 1,519 |
| Net operating income to assets | 0.1321% | 6,089 |
| Return on assets (ROA) | 0.1321% | 6,181 |
| Pretax return on assets | 0.1554% | 6,161 |
| Return on Equity (ROE) | 1.3522% | 6,134 |
| Retained earnings to average equity (ytd only) | 1.3522% | 5,309 |
| Net charge-offs to loans | 0.4606% | 1,294 |
| Credit loss provision to net charge-offs | 84.1530% | 2,108 |
| Earnings coverage of net charge-offs (x) | 1.3880% | 3,371 |
| Efficiency ratio | 87.6279% | 1,362 |
| Assets per employee ($millions) | 8.2044% | 456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6214% | 3,308 |
| Loan loss allowance to noncurrent loans | 77.2646% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 1.6950% | 2,745 |
| Noncurrent loans to loans | 2.0985% | 2,507 |
| Net loans and leases to total assets | 61.8599% | 3,086 |
| Net loans and leases to deposits | 77.3366% | 2,444 |
| Net loans and leases to core deposits | 79.1647% | 2,905 |
| Total domestic deposits to total assets | 79.9879% | 5,754 |
| Equity capital to assets | 9.8614% | 4,334 |
| Core capital (leverage) ratio | 9.2692% | 4,456 |
| Tier 1 risk-based capital ratio | 20.7016% | 1,616 |
| Total risk-based capital ratio | 21.9643% | 1,580 |
| Memoranda: |
| Average total assets | $257,349,000 | 2,518 |
| Average earning assets | $249,776,000 | 2,378 |
| Average equity | $25,144,000 | 2,689 |
| Average total loans | $158,910,500 | 2,462 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2559% | 4,384 |
| Cost of funding earning assets | 0.8027% | 2,645 |
| Net interest margin | 3.4532% | 4,693 |
| Noninterest income to average assets | 0.3349% | 5,062 |
| Noninterest expense to average assets | 2.6767% | 4,485 |
| Loan and lease loss provision to assets | 0.5281% | 1,101 |
| Net operating income to assets | 0.4361% | 4,940 |
| Return on assets (ROA) | 0.4361% | 5,186 |
| Pretax return on assets | 0.4714% | 5,365 |
| Return on Equity (ROE) | 4.3592% | 4,993 |
| Retained earnings to average equity (ytd only) | 4.3592% | 3,161 |
| Net charge-offs to loans | 0.9192% | 1,224 |
| Credit loss provision to net charge-offs | 88.6472% | 3,528 |
| Earnings coverage of net charge-offs (x) | 1.6778% | 4,599 |
| Efficiency ratio | 72.8134% | 3,272 |
| Assets per employee ($millions) | 8.3988% | 419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6619% | 3,079 |
| Loan loss allowance to noncurrent loans | 90.2338% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 1.3451% | 3,386 |
| Noncurrent loans to loans | 1.8417% | 2,869 |
| Net loans and leases to total assets | 59.6370% | 3,667 |
| Net loans and leases to deposits | 74.1835% | 3,064 |
| Net loans and leases to core deposits | 75.7824% | 3,561 |
| Total domestic deposits to total assets | 80.3911% | 5,571 |
| Equity capital to assets | 9.6815% | 4,618 |
| Core capital (leverage) ratio | 9.0221% | 4,872 |
| Tier 1 risk-based capital ratio | 20.6156% | 1,545 |
| Total risk-based capital ratio | 21.8785% | 1,509 |
| Memoranda: |
| Average total assets | $246,944,000 | 2,559 |
| Average earning assets | $238,938,800 | 2,425 |
| Average equity | $24,706,600 | 2,686 |
| Average total loans | $160,033,200 | 2,430 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4154% | 3,987 |
| Cost of funding earning assets | 0.8357% | 2,663 |
| Net interest margin | 3.5798% | 4,323 |
| Noninterest income to average assets | 0.3071% | 5,323 |
| Noninterest expense to average assets | 2.6711% | 4,498 |
| Loan and lease loss provision to assets | 0.6300% | 842 |
| Net operating income to assets | 0.4193% | 5,166 |
| Return on assets (ROA) | 0.4193% | 5,400 |
| Pretax return on assets | 0.4691% | 5,546 |
| Return on Equity (ROE) | 4.1548% | 5,229 |
| Retained earnings to average equity (ytd only) | 4.1548% | 3,978 |
| Net charge-offs to loans | 0.8677% | 1,266 |
| Credit loss provision to net charge-offs | 110.1435% | 2,666 |
| Earnings coverage of net charge-offs (x) | 1.9215% | 4,299 |
| Efficiency ratio | 70.8479% | 3,524 |
| Assets per employee ($millions) | 8.3172% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8368% | 2,686 |
| Loan loss allowance to noncurrent loans | 144.4389% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 1.2591% | 3,783 |
| Noncurrent loans to loans | 1.2717% | 3,925 |
| Net loans and leases to total assets | 64.1675% | 2,999 |
| Net loans and leases to deposits | 81.0664% | 2,243 |
| Net loans and leases to core deposits | 82.8566% | 2,849 |
| Total domestic deposits to total assets | 79.1542% | 5,832 |
| Equity capital to assets | 10.4527% | 3,897 |
| Core capital (leverage) ratio | 9.6103% | 4,103 |
| Tier 1 risk-based capital ratio | 20.1806% | 1,712 |
| Total risk-based capital ratio | 21.4464% | 1,678 |
| Memoranda: |
| Average total assets | $243,589,500 | 2,616 |
| Average earning assets | $235,653,000 | 2,471 |
| Average equity | $24,581,500 | 2,725 |
| Average total loans | $160,567,500 | 2,446 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4423% | 4,015 |
| Cost of funding earning assets | 0.8496% | 2,797 |
| Net interest margin | 3.5927% | 4,290 |
| Noninterest income to average assets | 0.2684% | 5,656 |
| Noninterest expense to average assets | 2.6098% | 4,740 |
| Loan and lease loss provision to assets | 0.6760% | 833 |
| Net operating income to assets | 0.4059% | 5,193 |
| Return on assets (ROA) | 0.4059% | 5,429 |
| Pretax return on assets | 0.4640% | 5,533 |
| Return on Equity (ROE) | 4.0704% | 5,232 |
| Retained earnings to average equity (ytd only) | 4.0704% | 3,898 |
| Net charge-offs to loans | 0.4618% | 2,220 |
| Credit loss provision to net charge-offs | 221.4477% | 1,285 |
| Earnings coverage of net charge-offs (x) | 3.7346% | 3,289 |
| Efficiency ratio | 69.5984% | 3,832 |
| Assets per employee ($millions) | 7.2622% | 643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0036% | 2,218 |
| Loan loss allowance to noncurrent loans | 146.1677% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.9885% | 4,397 |
| Noncurrent loans to loans | 1.3708% | 3,861 |
| Net loans and leases to total assets | 66.1639% | 2,640 |
| Net loans and leases to deposits | 83.4239% | 1,926 |
| Net loans and leases to core deposits | 85.2645% | 2,523 |
| Total domestic deposits to total assets | 79.3104% | 5,898 |
| Equity capital to assets | 10.3221% | 3,910 |
| Core capital (leverage) ratio | 9.5597% | 4,064 |
| Tier 1 risk-based capital ratio | 19.5404% | 1,838 |
| Total risk-based capital ratio | 20.8087% | 1,805 |
| Memoranda: |
| Average total assets | $244,386,000 | 2,606 |
| Average earning assets | $236,815,330 | 2,460 |
| Average equity | $24,371,330 | 2,732 |
| Average total loans | $161,534,000 | 2,445 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4843% | 3,987 |
| Cost of funding earning assets | 0.8547% | 3,025 |
| Net interest margin | 3.6296% | 4,130 |
| Noninterest income to average assets | 0.2740% | 5,680 |
| Noninterest expense to average assets | 2.5337% | 5,048 |
| Loan and lease loss provision to assets | 0.8964% | 493 |
| Net operating income to assets | 0.3258% | 5,570 |
| Return on assets (ROA) | 0.3258% | 5,737 |
| Pretax return on assets | 0.3615% | 5,829 |
| Return on Equity (ROE) | 3.3239% | 5,583 |
| Retained earnings to average equity (ytd only) | 3.3239% | 4,570 |
| Net charge-offs to loans | 0.6617% | 1,479 |
| Credit loss provision to net charge-offs | 207.1161% | 1,308 |
| Earnings coverage of net charge-offs (x) | 2.9064% | 3,020 |
| Efficiency ratio | 66.8234% | 4,393 |
| Assets per employee ($millions) | 7.7005% | 558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8903% | 2,705 |
| Loan loss allowance to noncurrent loans | 132.4150% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.9703% | 4,567 |
| Noncurrent loans to loans | 1.4275% | 3,971 |
| Net loans and leases to total assets | 64.7900% | 2,694 |
| Net loans and leases to deposits | 80.9521% | 2,065 |
| Net loans and leases to core deposits | 82.6216% | 2,744 |
| Total domestic deposits to total assets | 80.0350% | 5,845 |
| Equity capital to assets | 9.8800% | 4,283 |
| Core capital (leverage) ratio | 9.1776% | 4,554 |
| Tier 1 risk-based capital ratio | 18.9128% | 2,018 |
| Total risk-based capital ratio | 20.1790% | 1,973 |
| Memoranda: |
| Average total assets | $246,753,000 | 2,588 |
| Average earning assets | $239,145,500 | 2,454 |
| Average equity | $24,188,500 | 2,749 |
| Average total loans | $161,398,500 | 2,463 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6098% | 4,642 |
| Cost of funding earning assets | 1.1240% | 2,511 |
| Net interest margin | 3.4858% | 5,200 |
| Noninterest income to average assets | 0.3614% | 4,929 |
| Noninterest expense to average assets | 2.5149% | 5,423 |
| Loan and lease loss provision to assets | 1.0073% | 938 |
| Net operating income to assets | 0.1708% | 5,671 |
| Return on assets (ROA) | 0.1708% | 5,817 |
| Pretax return on assets | 0.1890% | 5,818 |
| Return on Equity (ROE) | 1.8139% | 5,730 |
| Retained earnings to average equity (ytd only) | 1.8139% | 4,920 |
| Net charge-offs to loans | 0.7095% | 2,385 |
| Credit loss provision to net charge-offs | 219.4885% | 1,106 |
| Earnings coverage of net charge-offs (x) | 2.6067% | 3,909 |
| Efficiency ratio | 67.7644% | 4,409 |
| Assets per employee ($millions) | 7.7216% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0595% | 5,966 |
| Loan loss allowance to noncurrent loans | 66.6405% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 1.1514% | 4,314 |
| Noncurrent loans to loans | 1.5899% | 3,779 |
| Net loans and leases to total assets | 64.0949% | 3,171 |
| Net loans and leases to deposits | 80.5477% | 2,423 |
| Net loans and leases to core deposits | 82.0466% | 3,171 |
| Total domestic deposits to total assets | 79.5738% | 5,851 |
| Equity capital to assets | 9.7256% | 4,555 |
| Core capital (leverage) ratio | 9.1617% | 4,524 |
| Tier 1 risk-based capital ratio | 18.5512% | 2,032 |
| Total risk-based capital ratio | 19.8010% | 1,995 |
| Memoranda: |
| Average total assets | $247,092,200 | 2,554 |
| Average earning assets | $237,449,000 | 2,428 |
| Average equity | $23,265,000 | 2,754 |
| Average total loans | $159,840,800 | 2,498 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6533% | 4,663 |
| Cost of funding earning assets | 1.1784% | 2,457 |
| Net interest margin | 3.4749% | 5,295 |
| Noninterest income to average assets | 0.3475% | 5,079 |
| Noninterest expense to average assets | 2.5917% | 5,112 |
| Loan and lease loss provision to assets | 0.9205% | 962 |
| Net operating income to assets | 0.1543% | 5,825 |
| Return on assets (ROA) | 0.1543% | 5,944 |
| Pretax return on assets | 0.1689% | 5,956 |
| Return on Equity (ROE) | 1.6526% | 5,885 |
| Retained earnings to average equity (ytd only) | 1.6526% | 5,311 |
| Net charge-offs to loans | 0.5791% | 2,515 |
| Credit loss provision to net charge-offs | 245.8213% | 1,167 |
| Earnings coverage of net charge-offs (x) | 2.9092% | 3,689 |
| Efficiency ratio | 70.4046% | 3,879 |
| Assets per employee ($millions) | 8.0836% | 452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9002% | 6,594 |
| Loan loss allowance to noncurrent loans | 63.2084% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 1.0120% | 4,731 |
| Noncurrent loans to loans | 1.4241% | 4,157 |
| Net loans and leases to total assets | 63.7017% | 3,366 |
| Net loans and leases to deposits | 87.7176% | 1,464 |
| Net loans and leases to core deposits | 89.0024% | 2,357 |
| Total domestic deposits to total assets | 72.6213% | 6,887 |
| Equity capital to assets | 9.6523% | 4,852 |
| Core capital (leverage) ratio | 8.9939% | 4,940 |
| Tier 1 risk-based capital ratio | 18.6489% | 2,050 |
| Total risk-based capital ratio | 19.8627% | 2,014 |
| Memoranda: |
| Average total assets | $247,092,750 | 2,563 |
| Average earning assets | $237,044,500 | 2,436 |
| Average equity | $23,073,500 | 2,770 |
| Average total loans | $159,784,000 | 2,518 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6852% | 4,600 |
| Cost of funding earning assets | 1.2242% | 2,415 |
| Net interest margin | 3.4609% | 5,319 |
| Noninterest income to average assets | 0.3424% | 5,141 |
| Noninterest expense to average assets | 2.5016% | 5,529 |
| Loan and lease loss provision to assets | 0.9613% | 923 |
| Net operating income to assets | 0.1789% | 5,808 |
| Return on assets (ROA) | 0.1789% | 5,905 |
| Pretax return on assets | 0.1903% | 5,949 |
| Return on Equity (ROE) | 1.9382% | 5,807 |
| Retained earnings to average equity (ytd only) | 1.9382% | 5,009 |
| Net charge-offs to loans | 0.7229% | 2,065 |
| Credit loss provision to net charge-offs | 205.2083% | 1,470 |
| Earnings coverage of net charge-offs (x) | 2.4583% | 3,590 |
| Efficiency ratio | 68.4773% | 4,426 |
| Assets per employee ($millions) | 8.3090% | 414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9414% | 6,543 |
| Loan loss allowance to noncurrent loans | 77.9802% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.1734% | 4,541 |
| Noncurrent loans to loans | 1.2072% | 4,640 |
| Net loans and leases to total assets | 63.2346% | 3,630 |
| Net loans and leases to deposits | 82.2497% | 2,415 |
| Net loans and leases to core deposits | 83.5006% | 3,284 |
| Total domestic deposits to total assets | 76.8813% | 6,468 |
| Equity capital to assets | 9.4885% | 4,829 |
| Core capital (leverage) ratio | 8.9895% | 4,737 |
| Tier 1 risk-based capital ratio | 17.9562% | 2,187 |
| Total risk-based capital ratio | 19.1672% | 2,155 |
| Memoranda: |
| Average total assets | $245,926,000 | 2,592 |
| Average earning assets | $235,253,670 | 2,470 |
| Average equity | $22,702,000 | 2,790 |
| Average total loans | $159,351,330 | 2,546 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6291% | 4,824 |
| Cost of funding earning assets | 1.2267% | 2,648 |
| Net interest margin | 3.4025% | 5,422 |
| Noninterest income to average assets | 0.3652% | 4,988 |
| Noninterest expense to average assets | 2.5547% | 5,372 |
| Loan and lease loss provision to assets | 0.8811% | 920 |
| Net operating income to assets | 0.1769% | 5,864 |
| Return on assets (ROA) | 0.1769% | 5,913 |
| Pretax return on assets | 0.1818% | 5,981 |
| Return on Equity (ROE) | 1.9436% | 5,808 |
| Retained earnings to average equity (ytd only) | 1.9436% | 4,960 |
| Net charge-offs to loans | 0.3386% | 2,702 |
| Credit loss provision to net charge-offs | 398.5185% | 841 |
| Earnings coverage of net charge-offs (x) | 4.8074% | 2,394 |
| Efficiency ratio | 70.6202% | 4,132 |
| Assets per employee ($millions) | 8.5311% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9505% | 6,542 |
| Loan loss allowance to noncurrent loans | 49.4167% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 1.8844% | 3,453 |
| Noncurrent loans to loans | 1.9234% | 3,667 |
| Net loans and leases to total assets | 64.2341% | 3,397 |
| Net loans and leases to deposits | 83.1578% | 2,162 |
| Net loans and leases to core deposits | 84.9129% | 3,044 |
| Total domestic deposits to total assets | 77.2436% | 6,492 |
| Equity capital to assets | 9.1996% | 4,875 |
| Core capital (leverage) ratio | 8.9687% | 4,662 |
| Tier 1 risk-based capital ratio | 17.2771% | 2,382 |
| Total risk-based capital ratio | 18.4694% | 2,376 |
| Memoranda: |
| Average total assets | $244,254,000 | 2,623 |
| Average earning assets | $233,477,500 | 2,511 |
| Average equity | $22,227,000 | 2,841 |
| Average total loans | $159,465,500 | 2,575 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8448% | 5,255 |
| Cost of funding earning assets | 1.5329% | 2,460 |
| Net interest margin | 3.3119% | 5,944 |
| Noninterest income to average assets | 0.3432% | 5,338 |
| Noninterest expense to average assets | 2.4483% | 5,951 |
| Loan and lease loss provision to assets | 0.9146% | 1,790 |
| Net operating income to assets | 0.1354% | 5,485 |
| Return on assets (ROA) | 0.1354% | 5,637 |
| Pretax return on assets | 0.1439% | 5,612 |
| Return on Equity (ROE) | 1.4723% | 5,570 |
| Retained earnings to average equity (ytd only) | 1.4723% | 4,798 |
| Net charge-offs to loans | 0.4332% | 3,890 |
| Credit loss provision to net charge-offs | 313.5766% | 839 |
| Earnings coverage of net charge-offs (x) | 3.6292% | 3,266 |
| Efficiency ratio | 69.8154% | 4,211 |
| Assets per employee ($millions) | 8.3140% | 427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8297% | 6,907 |
| Loan loss allowance to noncurrent loans | 42.2966% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 1.6939% | 3,757 |
| Noncurrent loans to loans | 1.9617% | 3,618 |
| Net loans and leases to total assets | 65.1890% | 3,626 |
| Net loans and leases to deposits | 84.6250% | 2,353 |
| Net loans and leases to core deposits | 86.7631% | 3,219 |
| Total domestic deposits to total assets | 77.0328% | 6,473 |
| Equity capital to assets | 8.9977% | 5,145 |
| Core capital (leverage) ratio | 8.7452% | 4,952 |
| Tier 1 risk-based capital ratio | 16.4257% | 2,555 |
| Total risk-based capital ratio | 17.4546% | 2,616 |
| Memoranda: |
| Average total assets | $234,854,600 | 2,692 |
| Average earning assets | $224,342,000 | 2,578 |
| Average equity | $21,599,000 | 2,931 |
| Average total loans | $158,135,800 | 2,640 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9016% | 5,258 |
| Cost of funding earning assets | 1.6145% | 2,308 |
| Net interest margin | 3.2870% | 6,062 |
| Noninterest income to average assets | 0.2818% | 5,856 |
| Noninterest expense to average assets | 2.4644% | 5,837 |
| Loan and lease loss provision to assets | 0.8521% | 1,782 |
| Net operating income to assets | 0.0983% | 5,779 |
| Return on assets (ROA) | 0.0983% | 5,924 |
| Pretax return on assets | 0.1069% | 5,899 |
| Return on Equity (ROE) | 1.0629% | 5,883 |
| Retained earnings to average equity (ytd only) | 1.0629% | 5,392 |
| Net charge-offs to loans | 0.3670% | 3,841 |
| Credit loss provision to net charge-offs | 342.7586% | 929 |
| Earnings coverage of net charge-offs (x) | 3.8574% | 3,275 |
| Efficiency ratio | 71.9866% | 3,700 |
| Assets per employee ($millions) | 9.2605% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7382% | 7,133 |
| Loan loss allowance to noncurrent loans | 26.4733% | 6,551 |
| Noncurrent assets plus other real estate owned to assets | 2.2154% | 3,178 |
| Noncurrent loans to loans | 2.7886% | 2,856 |
| Net loans and leases to total assets | 65.2266% | 3,860 |
| Net loans and leases to deposits | 86.0457% | 2,331 |
| Net loans and leases to core deposits | 88.2039% | 3,339 |
| Total domestic deposits to total assets | 75.8046% | 6,690 |
| Equity capital to assets | 9.2652% | 5,196 |
| Core capital (leverage) ratio | 8.7383% | 5,123 |
| Tier 1 risk-based capital ratio | 16.3199% | 2,624 |
| Total risk-based capital ratio | 17.2343% | 2,720 |
| Memoranda: |
| Average total assets | $233,292,000 | 2,741 |
| Average earning assets | $222,970,500 | 2,633 |
| Average equity | $21,575,250 | 2,974 |
| Average total loans | $158,047,500 | 2,683 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9388% | 5,233 |
| Cost of funding earning assets | 1.7019% | 2,113 |
| Net interest margin | 3.2369% | 6,201 |
| Noninterest income to average assets | 0.2262% | 6,297 |
| Noninterest expense to average assets | 2.4914% | 5,744 |
| Loan and lease loss provision to assets | 0.6898% | 2,099 |
| Net operating income to assets | 0.1369% | 5,763 |
| Return on assets (ROA) | 0.1369% | 5,875 |
| Pretax return on assets | 0.1369% | 5,909 |
| Return on Equity (ROE) | 1.4814% | 5,804 |
| Retained earnings to average equity (ytd only) | 1.4814% | 5,132 |
| Net charge-offs to loans | 0.2380% | 4,175 |
| Credit loss provision to net charge-offs | 423.4043% | 857 |
| Earnings coverage of net charge-offs (x) | 5.0745% | 2,756 |
| Efficiency ratio | 75.0849% | 3,247 |
| Assets per employee ($millions) | 8.2483% | 455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6378% | 7,362 |
| Loan loss allowance to noncurrent loans | 21.3940% | 6,874 |
| Noncurrent assets plus other real estate owned to assets | 2.5639% | 2,828 |
| Noncurrent loans to loans | 2.9813% | 2,691 |
| Net loans and leases to total assets | 66.1683% | 3,793 |
| Net loans and leases to deposits | 88.0421% | 2,161 |
| Net loans and leases to core deposits | 90.1714% | 3,228 |
| Total domestic deposits to total assets | 75.1553% | 6,836 |
| Equity capital to assets | 9.2629% | 5,056 |
| Core capital (leverage) ratio | 8.7826% | 4,945 |
| Tier 1 risk-based capital ratio | 16.0012% | 2,669 |
| Total risk-based capital ratio | 16.7816% | 2,845 |
| Memoranda: |
| Average total assets | $230,798,330 | 2,801 |
| Average earning assets | $220,458,000 | 2,675 |
| Average equity | $21,331,000 | 2,997 |
| Average total loans | $157,991,330 | 2,721 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9981% | 5,028 |
| Cost of funding earning assets | 1.7425% | 2,170 |
| Net interest margin | 3.2556% | 6,114 |
| Noninterest income to average assets | 0.2171% | 6,408 |
| Noninterest expense to average assets | 2.4466% | 5,927 |
| Loan and lease loss provision to assets | 0.6355% | 1,996 |
| Net operating income to assets | 0.2418% | 5,532 |
| Return on assets (ROA) | 0.2418% | 5,650 |
| Pretax return on assets | 0.2418% | 5,764 |
| Return on Equity (ROE) | 2.6198% | 5,515 |
| Retained earnings to average equity (ytd only) | 2.6198% | 4,574 |
| Net charge-offs to loans | 0.4805% | 2,618 |
| Credit loss provision to net charge-offs | 190.4762% | 1,933 |
| Earnings coverage of net charge-offs (x) | 2.6296% | 3,225 |
| Efficiency ratio | 73.6059% | 3,638 |
| Assets per employee ($millions) | 8.8985% | 366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6352% | 7,451 |
| Loan loss allowance to noncurrent loans | 30.1398% | 6,389 |
| Noncurrent assets plus other real estate owned to assets | 2.1801% | 3,299 |
| Noncurrent loans to loans | 2.1075% | 3,645 |
| Net loans and leases to total assets | 68.4921% | 3,280 |
| Net loans and leases to deposits | 92.0211% | 1,612 |
| Net loans and leases to core deposits | 94.3879% | 2,787 |
| Total domestic deposits to total assets | 74.4309% | 6,987 |
| Equity capital to assets | 9.3006% | 4,829 |
| Core capital (leverage) ratio | 9.0365% | 4,501 |
| Tier 1 risk-based capital ratio | 15.7515% | 2,754 |
| Total risk-based capital ratio | 16.5183% | 2,936 |
| Memoranda: |
| Average total assets | $226,596,500 | 2,909 |
| Average earning assets | $216,242,500 | 2,790 |
| Average equity | $20,918,000 | 3,074 |
| Average total loans | $157,341,000 | 2,787 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1311% | 5,954 |
| Cost of funding earning assets | 2.0607% | 2,677 |
| Net interest margin | 3.0704% | 6,469 |
| Noninterest income to average assets | 0.2954% | 6,000 |
| Noninterest expense to average assets | 2.6868% | 5,447 |
| Loan and lease loss provision to assets | 0.9161% | 2,455 |
| Net operating income to assets | -0.4101% | 6,088 |
| Return on assets (ROA) | -0.4101% | 6,085 |
| Pretax return on assets | -0.4101% | 5,926 |
| Return on Equity (ROE) | -4.3689% | 6,147 |
| Retained earnings to average equity (ytd only) | -4.3689% | 5,923 |
| Net charge-offs to loans | 0.5758% | 3,491 |
| Credit loss provision to net charge-offs | 223.1285% | 1,685 |
| Earnings coverage of net charge-offs (x) | 1.2324% | 4,889 |
| Efficiency ratio | 84.1523% | 2,330 |
| Assets per employee ($millions) | 8.2160% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6166% | 7,536 |
| Loan loss allowance to noncurrent loans | 19.9250% | 7,065 |
| Noncurrent assets plus other real estate owned to assets | 2.5375% | 2,759 |
| Noncurrent loans to loans | 3.0946% | 2,466 |
| Net loans and leases to total assets | 69.5337% | 3,355 |
| Net loans and leases to deposits | 96.6708% | 1,246 |
| Net loans and leases to core deposits | 105.0635% | 3,447 |
| Total domestic deposits to total assets | 71.9283% | 7,247 |
| Equity capital to assets | 9.1592% | 4,902 |
| Core capital (leverage) ratio | 8.9080% | 4,579 |
| Tier 1 risk-based capital ratio | 15.0206% | 2,929 |
| Total risk-based capital ratio | 15.7513% | 3,160 |
| Memoranda: |
| Average total assets | $217,987,800 | 2,971 |
| Average earning assets | $205,706,600 | 2,897 |
| Average equity | $20,462,800 | 3,140 |
| Average total loans | $155,428,400 | 2,840 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1437% | 6,128 |
| Cost of funding earning assets | 2.1005% | 2,891 |
| Net interest margin | 3.0432% | 6,488 |
| Noninterest income to average assets | 0.3047% | 6,043 |
| Noninterest expense to average assets | 2.5932% | 5,735 |
| Loan and lease loss provision to assets | 1.0038% | 1,912 |
| Net operating income to assets | -0.4307% | 6,358 |
| Return on assets (ROA) | -0.4307% | 6,358 |
| Pretax return on assets | -0.4307% | 6,232 |
| Return on Equity (ROE) | -4.5594% | 6,405 |
| Retained earnings to average equity (ytd only) | -4.5594% | 6,198 |
| Net charge-offs to loans | 0.6569% | 2,713 |
| Credit loss provision to net charge-offs | 213.3159% | 2,063 |
| Earnings coverage of net charge-offs (x) | 1.2180% | 4,857 |
| Efficiency ratio | 81.8976% | 2,589 |
| Assets per employee ($millions) | 8.5205% | 427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5571% | 7,632 |
| Loan loss allowance to noncurrent loans | 23.3015% | 6,888 |
| Noncurrent assets plus other real estate owned to assets | 2.2787% | 3,006 |
| Noncurrent loans to loans | 2.3909% | 3,154 |
| Net loans and leases to total assets | 68.8090% | 3,768 |
| Net loans and leases to deposits | 96.6454% | 1,494 |
| Net loans and leases to core deposits | 104.4956% | 3,876 |
| Total domestic deposits to total assets | 71.1974% | 7,314 |
| Equity capital to assets | 9.3409% | 4,966 |
| Core capital (leverage) ratio | 9.0190% | 4,619 |
| Tier 1 risk-based capital ratio | 14.9331% | 3,069 |
| Total risk-based capital ratio | 15.5750% | 3,319 |
| Memoranda: |
| Average total assets | $217,026,750 | 2,999 |
| Average earning assets | $204,077,000 | 2,932 |
| Average equity | $20,499,000 | 3,170 |
| Average total loans | $155,484,250 | 2,863 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2371% | 5,928 |
| Cost of funding earning assets | 2.1834% | 2,866 |
| Net interest margin | 3.0537% | 6,386 |
| Noninterest income to average assets | 0.2784% | 6,274 |
| Noninterest expense to average assets | 2.4313% | 6,366 |
| Loan and lease loss provision to assets | 1.1071% | 1,551 |
| Net operating income to assets | -0.4046% | 6,452 |
| Return on assets (ROA) | -0.4046% | 6,460 |
| Pretax return on assets | -0.4046% | 6,331 |
| Return on Equity (ROE) | -4.2673% | 6,516 |
| Retained earnings to average equity (ytd only) | -4.2673% | 6,182 |
| Net charge-offs to loans | 0.9551% | 1,821 |
| Credit loss provision to net charge-offs | 159.9196% | 2,874 |
| Earnings coverage of net charge-offs (x) | 1.0147% | 4,769 |
| Efficiency ratio | 77.5837% | 3,408 |
| Assets per employee ($millions) | 8.3481% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4336% | 7,869 |
| Loan loss allowance to noncurrent loans | 17.3368% | 7,262 |
| Noncurrent assets plus other real estate owned to assets | 2.4704% | 2,613 |
| Noncurrent loans to loans | 2.5013% | 2,894 |
| Net loans and leases to total assets | 70.2396% | 3,638 |
| Net loans and leases to deposits | 99.9476% | 1,291 |
| Net loans and leases to core deposits | 105.6024% | 3,881 |
| Total domestic deposits to total assets | 70.2764% | 7,441 |
| Equity capital to assets | 9.4190% | 4,718 |
| Core capital (leverage) ratio | 9.2955% | 4,169 |
| Tier 1 risk-based capital ratio | 14.9251% | 3,055 |
| Total risk-based capital ratio | 15.4173% | 3,358 |
| Memoranda: |
| Average total assets | $215,525,000 | 3,033 |
| Average earning assets | $201,523,000 | 2,981 |
| Average equity | $20,434,330 | 3,181 |
| Average total loans | $156,216,330 | 2,886 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2080% | 6,265 |
| Cost of funding earning assets | 2.3744% | 2,398 |
| Net interest margin | 2.8336% | 6,918 |
| Noninterest income to average assets | 0.1956% | 6,899 |
| Noninterest expense to average assets | 2.2909% | 6,568 |
| Loan and lease loss provision to assets | 0.7823% | 1,644 |
| Net operating income to assets | -0.2459% | 6,613 |
| Return on assets (ROA) | -0.2459% | 6,689 |
| Pretax return on assets | -0.2459% | 6,618 |
| Return on Equity (ROE) | -2.5845% | 6,731 |
| Retained earnings to average equity (ytd only) | -2.5845% | 6,206 |
| Net charge-offs to loans | 0.4919% | 2,232 |
| Credit loss provision to net charge-offs | 216.4948% | 2,084 |
| Earnings coverage of net charge-offs (x) | 1.4845% | 3,993 |
| Efficiency ratio | 81.0277% | 2,671 |
| Assets per employee ($millions) | 9.2133% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4300% | 7,913 |
| Loan loss allowance to noncurrent loans | 32.3923% | 6,381 |
| Noncurrent assets plus other real estate owned to assets | 1.4956% | 3,690 |
| Noncurrent loans to loans | 1.3275% | 4,325 |
| Net loans and leases to total assets | 70.8961% | 3,492 |
| Net loans and leases to deposits | 100.6769% | 1,317 |
| Net loans and leases to core deposits | 104.4989% | 4,084 |
| Total domestic deposits to total assets | 70.4194% | 7,388 |
| Equity capital to assets | 9.4692% | 4,710 |
| Core capital (leverage) ratio | 9.2737% | 4,278 |
| Tier 1 risk-based capital ratio | 17.6065% | 2,151 |
| Total risk-based capital ratio | 18.1898% | 2,290 |
| Memoranda: |
| Average total assets | $214,762,500 | 3,056 |
| Average earning assets | $199,464,000 | 3,020 |
| Average equity | $20,429,500 | 3,201 |
| Average total loans | $157,765,000 | 2,884 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5017% | 7,301 |
| Cost of funding earning assets | 2.9486% | 2,063 |
| Net interest margin | 2.5531% | 7,691 |
| Noninterest income to average assets | 0.2024% | 7,003 |
| Noninterest expense to average assets | 2.8235% | 4,722 |
| Loan and lease loss provision to assets | 0.4922% | 2,851 |
| Net operating income to assets | -0.7224% | 7,077 |
| Return on assets (ROA) | -0.7213% | 6,978 |
| Pretax return on assets | -0.7213% | 6,824 |
| Return on Equity (ROE) | -6.4708% | 6,997 |
| Retained earnings to average equity (ytd only) | -6.4708% | 6,720 |
| Net charge-offs to loans | 0.3797% | 2,934 |
| Credit loss provision to net charge-offs | 146.6216% | 3,599 |
| Earnings coverage of net charge-offs (x) | -0.6858% | 6,536 |
| Efficiency ratio | 108.8782% | 734 |
| Assets per employee ($millions) | 9.0612% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3814% | 8,005 |
| Loan loss allowance to noncurrent loans | 37.6404% | 6,209 |
| Noncurrent assets plus other real estate owned to assets | 1.4899% | 3,244 |
| Noncurrent loans to loans | 1.0134% | 4,554 |
| Net loans and leases to total assets | 75.5666% | 2,742 |
| Net loans and leases to deposits | 110.3005% | 809 |
| Net loans and leases to core deposits | 114.8041% | 3,256 |
| Total domestic deposits to total assets | 68.5097% | 7,423 |
| Equity capital to assets | 9.5587% | 4,598 |
| Core capital (leverage) ratio | 9.4130% | 4,138 |
| Tier 1 risk-based capital ratio | 16.8291% | 2,369 |
| Total risk-based capital ratio | 17.3477% | 2,565 |
| Memoranda: |
| Average total assets | $176,344,400 | 3,458 |
| Average earning assets | $165,130,800 | 3,403 |
| Average equity | $19,657,600 | 3,281 |
| Average total loans | $155,905,600 | 2,836 |
