Home > New Peoples Bank, Inc. > Performance and Condition Ratios
New Peoples Bank, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9701% | 2,133 |
| Cost of funding earning assets | 1.0531% | 3,188 |
| Net interest margin | 3.9170% | 1,344 |
| Noninterest income to average assets | 1.2300% | 486 |
| Noninterest expense to average assets | 3.4592% | 605 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.0349% | 2,109 |
| Return on assets (ROA) | 1.0349% | 2,088 |
| Pretax return on assets | 1.3397% | 1,764 |
| Return on Equity (ROE) | 10.9300% | 2,246 |
| Retained earnings to average equity (ytd only) | 7.4965% | 1,708 |
| Net charge-offs to loans | 0.0169% | 2,035 |
| Credit loss provision to net charge-offs | 691.2621% | 537 |
| Earnings coverage of net charge-offs (x) | 110.3301% | 856 |
| Efficiency ratio | 70.8847% | 1,774 |
| Assets per employee ($millions) | 4.5169% | 3,943 |
| Cash dividends to net income (ytd only)* | 31.4123% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 2,618 |
| Loan loss allowance to noncurrent loans | 205.3198% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.4465% | 1,241 |
| Noncurrent loans to loans | 0.5538% | 1,414 |
| Net loans and leases to total assets | 76.3200% | 1,076 |
| Net loans and leases to deposits | 87.9042% | 1,446 |
| Net loans and leases to core deposits | 94.2771% | 1,754 |
| Total domestic deposits to total assets | 86.8200% | 1,743 |
| Equity capital to assets | 9.6919% | 2,205 |
| Core capital (leverage) ratio | 11.1097% | 1,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5848% | 1,164 |
| Memoranda: | ||
| Average total assets | $799,814,200 | 1,185 |
| Average earning assets | $744,733,200 | 1,175 |
| Average equity | $75,728,200 | 1,174 |
| Average total loans | $609,691,000 | 1,080 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8834% | 2,098 |
| Cost of funding earning assets | 0.9153% | 3,236 |
| Net interest margin | 3.9681% | 1,269 |
| Noninterest income to average assets | 1.2300% | 483 |
| Noninterest expense to average assets | 3.4812% | 565 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.0848% | 2,103 |
| Return on assets (ROA) | 1.0848% | 2,088 |
| Pretax return on assets | 1.3940% | 1,790 |
| Return on Equity (ROE) | 11.5300% | 2,243 |
| Retained earnings to average equity (ytd only) | 7.3478% | 2,184 |
| Net charge-offs to loans | 0.0257% | 1,558 |
| Credit loss provision to net charge-offs | 325.0000% | 839 |
| Earnings coverage of net charge-offs (x) | 74.1034% | 1,091 |
| Efficiency ratio | 70.6661% | 1,716 |
| Assets per employee ($millions) | 4.3254% | 4,036 |
| Cash dividends to net income (ytd only)* | 36.2622% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1032% | 2,853 |
| Loan loss allowance to noncurrent loans | 245.6615% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.3840% | 1,502 |
| Noncurrent loans to loans | 0.4491% | 1,697 |
| Net loans and leases to total assets | 77.3900% | 955 |
| Net loans and leases to deposits | 87.6787% | 1,414 |
| Net loans and leases to core deposits | 92.7449% | 1,753 |
| Total domestic deposits to total assets | 88.2700% | 1,486 |
| Equity capital to assets | 9.3919% | 2,167 |
| Core capital (leverage) ratio | 11.0591% | 1,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4563% | 1,210 |
| Memoranda: | ||
| Average total assets | $793,121,750 | 1,192 |
| Average earning assets | $738,093,750 | 1,182 |
| Average equity | $74,632,250 | 1,181 |
| Average total loans | $602,586,000 | 1,087 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7496% | 2,106 |
| Cost of funding earning assets | 0.7790% | 3,272 |
| Net interest margin | 3.9706% | 1,293 |
| Noninterest income to average assets | 1.2300% | 425 |
| Noninterest expense to average assets | 3.5057% | 535 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.0797% | 2,174 |
| Return on assets (ROA) | 1.0797% | 2,174 |
| Pretax return on assets | 1.3863% | 1,851 |
| Return on Equity (ROE) | 11.4700% | 2,305 |
| Retained earnings to average equity (ytd only) | 7.0617% | 2,264 |
| Net charge-offs to loans | 0.0165% | 1,589 |
| Credit loss provision to net charge-offs | 440.8163% | 696 |
| Earnings coverage of net charge-offs (x) | 114.9184% | 867 |
| Efficiency ratio | 71.1112% | 1,652 |
| Assets per employee ($millions) | 4.0364% | 4,165 |
| Cash dividends to net income (ytd only)* | 38.4165% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 2,855 |
| Loan loss allowance to noncurrent loans | 263.3939% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.3546% | 1,496 |
| Noncurrent loans to loans | 0.4248% | 1,664 |
| Net loans and leases to total assets | 74.9700% | 1,166 |
| Net loans and leases to deposits | 84.9060% | 1,598 |
| Net loans and leases to core deposits | 89.3667% | 1,841 |
| Total domestic deposits to total assets | 88.3000% | 1,495 |
| Equity capital to assets | 9.4260% | 2,216 |
| Core capital (leverage) ratio | 11.0513% | 1,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5926% | 1,193 |
| Memoranda: | ||
| Average total assets | $790,761,333 | 1,190 |
| Average earning assets | $736,057,000 | 1,182 |
| Average equity | $74,458,333 | 1,180 |
| Average total loans | $594,713,667 | 1,086 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6543% | 1,955 |
| Cost of funding earning assets | 0.6383% | 3,268 |
| Net interest margin | 4.0160% | 1,234 |
| Noninterest income to average assets | 1.2400% | 424 |
| Noninterest expense to average assets | 3.4926% | 544 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1584% | 2,045 |
| Return on assets (ROA) | 1.1584% | 2,009 |
| Pretax return on assets | 1.4863% | 1,701 |
| Return on Equity (ROE) | 12.3100% | 2,141 |
| Retained earnings to average equity (ytd only) | 5.5045% | 2,887 |
| Net charge-offs to loans | 0.0061% | 1,730 |
| Credit loss provision to net charge-offs | 255.5556% | 741 |
| Earnings coverage of net charge-offs (x) | 323.8889% | 345 |
| Efficiency ratio | 70.1485% | 1,733 |
| Assets per employee ($millions) | 4.1348% | 4,197 |
| Cash dividends to net income (ytd only)* | 55.2817% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 2,915 |
| Loan loss allowance to noncurrent loans | 235.6208% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.3890% | 1,332 |
| Noncurrent loans to loans | 0.4788% | 1,515 |
| Net loans and leases to total assets | 73.5400% | 1,258 |
| Net loans and leases to deposits | 82.2341% | 1,638 |
| Net loans and leases to core deposits | 84.8399% | 1,937 |
| Total domestic deposits to total assets | 89.4300% | 1,364 |
| Equity capital to assets | 9.4851% | 2,158 |
| Core capital (leverage) ratio | 10.9764% | 1,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5842% | 1,243 |
| Memoranda: | ||
| Average total assets | $784,520,500 | 1,212 |
| Average earning assets | $730,072,500 | 1,203 |
| Average equity | $73,830,500 | 1,199 |
| Average total loans | $587,551,500 | 1,107 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1403% | 1,372 |
| Cost of funding earning assets | 0.3147% | 2,758 |
| Net interest margin | 3.8256% | 1,106 |
| Noninterest income to average assets | 1.1200% | 534 |
| Noninterest expense to average assets | 3.2150% | 703 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.0814% | 2,255 |
| Return on assets (ROA) | 1.0814% | 2,199 |
| Pretax return on assets | 1.3874% | 1,802 |
| Return on Equity (ROE) | 11.9700% | 2,151 |
| Retained earnings to average equity (ytd only) | 9.5877% | 1,284 |
| Net charge-offs to loans | 0.1075% | 692 |
| Credit loss provision to net charge-offs | 98.8924% | 1,573 |
| Earnings coverage of net charge-offs (x) | 18.8054% | 1,924 |
| Efficiency ratio | 68.7047% | 1,875 |
| Assets per employee ($millions) | 3.9956% | 4,284 |
| Cash dividends to net income (ytd only)* | 19.9294% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1507% | 2,640 |
| Loan loss allowance to noncurrent loans | 197.0993% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.4740% | 1,067 |
| Noncurrent loans to loans | 0.5838% | 1,275 |
| Net loans and leases to total assets | 74.5500% | 1,174 |
| Net loans and leases to deposits | 83.2818% | 1,522 |
| Net loans and leases to core deposits | 85.8867% | 1,760 |
| Total domestic deposits to total assets | 89.5200% | 1,549 |
| Equity capital to assets | 9.3349% | 2,124 |
| Core capital (leverage) ratio | 10.3957% | 2,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4996% | 1,234 |
| Memoranda: | ||
| Average total assets | $811,573,600 | 1,171 |
| Average earning assets | $755,043,200 | 1,166 |
| Average equity | $73,291,600 | 1,207 |
| Average total loans | $587,831,200 | 1,047 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9537% | 1,355 |
| Cost of funding earning assets | 0.2812% | 2,372 |
| Net interest margin | 3.6724% | 1,212 |
| Noninterest income to average assets | 1.1000% | 572 |
| Noninterest expense to average assets | 3.1437% | 736 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.0212% | 2,403 |
| Return on assets (ROA) | 1.0212% | 2,379 |
| Pretax return on assets | 1.3082% | 2,022 |
| Return on Equity (ROE) | 11.4000% | 2,239 |
| Retained earnings to average equity (ytd only) | 9.0344% | 1,640 |
| Net charge-offs to loans | 0.1225% | 514 |
| Credit loss provision to net charge-offs | 73.9372% | 1,441 |
| Earnings coverage of net charge-offs (x) | 15.6229% | 1,840 |
| Efficiency ratio | 69.5993% | 1,810 |
| Assets per employee ($millions) | 4.4060% | 4,118 |
| Cash dividends to net income (ytd only)* | 20.7445% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 2,850 |
| Loan loss allowance to noncurrent loans | 177.9007% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.4862% | 1,121 |
| Noncurrent loans to loans | 0.6391% | 1,274 |
| Net loans and leases to total assets | 69.2100% | 1,548 |
| Net loans and leases to deposits | 79.0820% | 1,626 |
| Net loans and leases to core deposits | 81.4794% | 1,800 |
| Total domestic deposits to total assets | 87.5200% | 2,587 |
| Equity capital to assets | 8.5125% | 2,538 |
| Core capital (leverage) ratio | 9.8644% | 2,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3452% | 1,327 |
| Memoranda: | ||
| Average total assets | $820,678,750 | 1,170 |
| Average earning assets | $763,324,250 | 1,162 |
| Average equity | $73,524,500 | 1,216 |
| Average total loans | $588,635,750 | 1,045 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8268% | 1,255 |
| Cost of funding earning assets | 0.2378% | 2,418 |
| Net interest margin | 3.5890% | 1,083 |
| Noninterest income to average assets | 1.1465% | 514 |
| Noninterest expense to average assets | 3.1616% | 670 |
| Loan and lease loss provision to assets | 0.0428% | 1,800 |
| Net operating income to assets | 1.0033% | 2,143 |
| Return on assets (ROA) | 1.0033% | 2,116 |
| Pretax return on assets | 1.2807% | 1,810 |
| Return on Equity (ROE) | 11.0132% | 1,973 |
| Retained earnings to average equity (ytd only) | 7.7822% | 1,699 |
| Net charge-offs to loans | 0.0314% | 1,095 |
| Credit loss provision to net charge-offs | 188.1720% | 997 |
| Earnings coverage of net charge-offs (x) | 58.2151% | 1,093 |
| Efficiency ratio | 70.4911% | 1,888 |
| Assets per employee ($millions) | 4.2981% | 4,207 |
| Cash dividends to net income (ytd only)* | 29.3372% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 2,876 |
| Loan loss allowance to noncurrent loans | 187.5619% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.4671% | 1,213 |
| Noncurrent loans to loans | 0.6205% | 1,366 |
| Net loans and leases to total assets | 68.3672% | 1,450 |
| Net loans and leases to deposits | 81.7269% | 1,265 |
| Net loans and leases to core deposits | 84.2008% | 1,438 |
| Total domestic deposits to total assets | 83.6532% | 3,758 |
| Equity capital to assets | 8.4187% | 2,825 |
| Core capital (leverage) ratio | 9.8849% | 2,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2139% | 1,385 |
| Memoranda: | ||
| Average total assets | $818,131,333 | 1,173 |
| Average earning assets | $761,045,667 | 1,177 |
| Average equity | $74,529,000 | 1,232 |
| Average total loans | $591,556,333 | 1,036 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8085% | 1,071 |
| Cost of funding earning assets | 0.2297% | 2,401 |
| Net interest margin | 3.5788% | 931 |
| Noninterest income to average assets | 1.1455% | 525 |
| Noninterest expense to average assets | 3.1394% | 659 |
| Loan and lease loss provision to assets | 0.0498% | 1,479 |
| Net operating income to assets | 1.0111% | 1,833 |
| Return on assets (ROA) | 1.0111% | 1,825 |
| Pretax return on assets | 1.2898% | 1,535 |
| Return on Equity (ROE) | 10.6734% | 1,737 |
| Retained earnings to average equity (ytd only) | 4.3492% | 2,820 |
| Net charge-offs to loans | 0.0505% | 786 |
| Credit loss provision to net charge-offs | 133.3333% | 891 |
| Earnings coverage of net charge-offs (x) | 35.8933% | 1,053 |
| Efficiency ratio | 70.0922% | 2,214 |
| Assets per employee ($millions) | 4.1493% | 4,331 |
| Cash dividends to net income (ytd only)* | 59.2520% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 3,171 |
| Loan loss allowance to noncurrent loans | 256.0227% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.4225% | 1,439 |
| Noncurrent loans to loans | 0.4435% | 1,920 |
| Net loans and leases to total assets | 72.3591% | 799 |
| Net loans and leases to deposits | 80.3498% | 1,123 |
| Net loans and leases to core deposits | 83.1475% | 1,288 |
| Total domestic deposits to total assets | 90.0552% | 1,535 |
| Equity capital to assets | 9.0799% | 2,645 |
| Core capital (leverage) ratio | 9.9496% | 2,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8972% | 1,539 |
| Memoranda: | ||
| Average total assets | $803,838,000 | 1,188 |
| Average earning assets | $748,739,500 | 1,193 |
| Average equity | $76,152,000 | 1,242 |
| Average total loans | $594,488,000 | 1,029 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0865% | 1,189 |
| Cost of funding earning assets | 0.3119% | 2,276 |
| Net interest margin | 3.7747% | 1,064 |
| Noninterest income to average assets | 1.0262% | 951 |
| Noninterest expense to average assets | 3.3071% | 622 |
| Loan and lease loss provision to assets | 0.0470% | 2,118 |
| Net operating income to assets | 0.9104% | 2,999 |
| Return on assets (ROA) | 0.9426% | 2,967 |
| Pretax return on assets | 1.2030% | 2,655 |
| Return on Equity (ROE) | 9.8477% | 2,584 |
| Retained earnings to average equity (ytd only) | 9.2797% | 1,107 |
| Net charge-offs to loans | 0.1413% | 663 |
| Credit loss provision to net charge-offs | 44.9275% | 2,168 |
| Earnings coverage of net charge-offs (x) | 11.5531% | 2,148 |
| Efficiency ratio | 73.2247% | 1,395 |
| Assets per employee ($millions) | 4.0325% | 4,416 |
| Cash dividends to net income (ytd only)* | 5.7672% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 3,204 |
| Loan loss allowance to noncurrent loans | 228.9697% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.5415% | 1,220 |
| Noncurrent loans to loans | 0.4953% | 1,888 |
| Net loans and leases to total assets | 73.8927% | 672 |
| Net loans and leases to deposits | 82.8616% | 996 |
| Net loans and leases to core deposits | 85.8744% | 1,211 |
| Total domestic deposits to total assets | 89.1760% | 1,427 |
| Equity capital to assets | 9.8765% | 2,775 |
| Core capital (leverage) ratio | 9.8646% | 2,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2318% | 1,450 |
| Memoranda: | ||
| Average total assets | $791,044,200 | 1,175 |
| Average earning assets | $731,429,400 | 1,178 |
| Average equity | $75,713,400 | 1,266 |
| Average total loans | $586,045,800 | 1,034 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1345% | 1,230 |
| Cost of funding earning assets | 0.3315% | 2,281 |
| Net interest margin | 3.8030% | 1,114 |
| Noninterest income to average assets | 0.9793% | 1,108 |
| Noninterest expense to average assets | 3.3179% | 590 |
| Loan and lease loss provision to assets | 0.0628% | 1,745 |
| Net operating income to assets | 0.8753% | 3,316 |
| Return on assets (ROA) | 0.9182% | 3,254 |
| Pretax return on assets | 1.1624% | 3,040 |
| Return on Equity (ROE) | 9.6710% | 2,855 |
| Retained earnings to average equity (ytd only) | 8.9068% | 1,733 |
| Net charge-offs to loans | 0.2066% | 402 |
| Credit loss provision to net charge-offs | 41.1050% | 1,914 |
| Earnings coverage of net charge-offs (x) | 7.6674% | 2,127 |
| Efficiency ratio | 73.9165% | 1,221 |
| Assets per employee ($millions) | 3.9397% | 4,484 |
| Cash dividends to net income (ytd only)* | 7.9015% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1594% | 3,167 |
| Loan loss allowance to noncurrent loans | 212.9559% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.6807% | 1,102 |
| Noncurrent loans to loans | 0.5444% | 1,957 |
| Net loans and leases to total assets | 70.9599% | 995 |
| Net loans and leases to deposits | 79.4453% | 1,336 |
| Net loans and leases to core deposits | 82.4057% | 1,541 |
| Total domestic deposits to total assets | 89.3191% | 1,110 |
| Equity capital to assets | 9.6593% | 3,237 |
| Core capital (leverage) ratio | 9.5319% | 2,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3657% | 1,525 |
| Memoranda: | ||
| Average total assets | $790,203,000 | 1,182 |
| Average earning assets | $729,196,250 | 1,193 |
| Average equity | $75,026,750 | 1,291 |
| Average total loans | $584,121,250 | 1,051 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0246% | 1,512 |
| Cost of funding earning assets | 0.3562% | 2,262 |
| Net interest margin | 3.6684% | 1,430 |
| Noninterest income to average assets | 1.1375% | 877 |
| Noninterest expense to average assets | 3.2973% | 617 |
| Loan and lease loss provision to assets | 0.0945% | 1,327 |
| Net operating income to assets | 0.8851% | 3,267 |
| Return on assets (ROA) | 0.8851% | 3,340 |
| Pretax return on assets | 1.1240% | 3,133 |
| Return on Equity (ROE) | 9.3774% | 2,984 |
| Retained earnings to average equity (ytd only) | 8.5831% | 1,860 |
| Net charge-offs to loans | 0.2948% | 297 |
| Credit loss provision to net charge-offs | 42.9561% | 1,644 |
| Earnings coverage of net charge-offs (x) | 5.5370% | 1,990 |
| Efficiency ratio | 73.0163% | 1,335 |
| Assets per employee ($millions) | 3.9826% | 4,456 |
| Cash dividends to net income (ytd only)* | 8.4697% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1312% | 3,282 |
| Loan loss allowance to noncurrent loans | 172.0452% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.7735% | 1,060 |
| Noncurrent loans to loans | 0.6575% | 1,775 |
| Net loans and leases to total assets | 73.4714% | 812 |
| Net loans and leases to deposits | 82.1683% | 1,207 |
| Net loans and leases to core deposits | 85.3753% | 1,462 |
| Total domestic deposits to total assets | 89.4158% | 1,073 |
| Equity capital to assets | 9.5059% | 3,324 |
| Core capital (leverage) ratio | 9.1927% | 3,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0755% | 1,606 |
| Memoranda: | ||
| Average total assets | $787,019,000 | 1,176 |
| Average earning assets | $724,787,000 | 1,194 |
| Average equity | $74,285,333 | 1,294 |
| Average total loans | $587,441,000 | 1,048 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0252% | 1,559 |
| Cost of funding earning assets | 0.3882% | 2,193 |
| Net interest margin | 3.6369% | 1,482 |
| Noninterest income to average assets | 1.0718% | 1,022 |
| Noninterest expense to average assets | 3.2250% | 693 |
| Loan and lease loss provision to assets | 0.0951% | 1,408 |
| Net operating income to assets | 0.8688% | 3,212 |
| Return on assets (ROA) | 0.8688% | 3,297 |
| Pretax return on assets | 1.0999% | 3,110 |
| Return on Equity (ROE) | 9.2375% | 2,946 |
| Retained earnings to average equity (ytd only) | 8.5579% | 2,075 |
| Net charge-offs to loans | 0.0567% | 943 |
| Credit loss provision to net charge-offs | 224.0964% | 855 |
| Earnings coverage of net charge-offs (x) | 28.1566% | 1,119 |
| Efficiency ratio | 72.9639% | 1,409 |
| Assets per employee ($millions) | 4.0260% | 4,465 |
| Cash dividends to net income (ytd only)* | 7.3573% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 2,780 |
| Loan loss allowance to noncurrent loans | 136.1905% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 1.0747% | 751 |
| Noncurrent loans to loans | 0.9008% | 1,502 |
| Net loans and leases to total assets | 72.5576% | 949 |
| Net loans and leases to deposits | 81.3443% | 1,390 |
| Net loans and leases to core deposits | 84.8501% | 1,601 |
| Total domestic deposits to total assets | 89.1982% | 1,242 |
| Equity capital to assets | 9.1629% | 3,530 |
| Core capital (leverage) ratio | 9.4055% | 3,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1642% | 1,521 |
| Memoranda: | ||
| Average total assets | $782,266,000 | 1,166 |
| Average earning assets | $720,167,000 | 1,183 |
| Average equity | $73,569,500 | 1,300 |
| Average total loans | $585,204,500 | 1,058 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4834% | 1,355 |
| Cost of funding earning assets | 0.6476% | 2,010 |
| Net interest margin | 3.8358% | 1,405 |
| Noninterest income to average assets | 1.1082% | 865 |
| Noninterest expense to average assets | 3.6695% | 550 |
| Loan and lease loss provision to assets | 0.3129% | 1,192 |
| Net operating income to assets | 0.5016% | 4,028 |
| Return on assets (ROA) | 0.5021% | 4,113 |
| Pretax return on assets | 0.6328% | 4,010 |
| Return on Equity (ROE) | 5.2057% | 3,847 |
| Retained earnings to average equity (ytd only) | 4.3454% | 2,628 |
| Net charge-offs to loans | 0.0832% | 1,633 |
| Credit loss provision to net charge-offs | 481.1715% | 1,284 |
| Earnings coverage of net charge-offs (x) | 14.5356% | 2,207 |
| Efficiency ratio | 79.5195% | 923 |
| Assets per employee ($millions) | 3.8352% | 4,480 |
| Cash dividends to net income (ytd only)* | 16.5267% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 2,697 |
| Loan loss allowance to noncurrent loans | 129.6143% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 1.1756% | 752 |
| Noncurrent loans to loans | 0.9633% | 1,465 |
| Net loans and leases to total assets | 75.2794% | 866 |
| Net loans and leases to deposits | 85.0308% | 1,351 |
| Net loans and leases to core deposits | 89.1737% | 1,589 |
| Total domestic deposits to total assets | 88.5320% | 1,202 |
| Equity capital to assets | 9.6923% | 3,418 |
| Core capital (leverage) ratio | 9.3753% | 3,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1995% | 1,469 |
| Memoranda: | ||
| Average total assets | $735,159,400 | 1,128 |
| Average earning assets | $672,035,600 | 1,149 |
| Average equity | $70,903,200 | 1,282 |
| Average total loans | $574,496,800 | 1,019 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5362% | 1,495 |
| Cost of funding earning assets | 0.6933% | 2,063 |
| Net interest margin | 3.8428% | 1,489 |
| Noninterest income to average assets | 1.0766% | 901 |
| Noninterest expense to average assets | 3.7819% | 466 |
| Loan and lease loss provision to assets | 0.3653% | 1,018 |
| Net operating income to assets | 0.3488% | 4,359 |
| Return on assets (ROA) | 0.3494% | 4,416 |
| Pretax return on assets | 0.4396% | 4,387 |
| Return on Equity (ROE) | 3.6270% | 4,262 |
| Retained earnings to average equity (ytd only) | 2.5179% | 3,729 |
| Net charge-offs to loans | 0.0885% | 1,417 |
| Credit loss provision to net charge-offs | 524.9344% | 1,247 |
| Earnings coverage of net charge-offs (x) | 11.5564% | 2,296 |
| Efficiency ratio | 82.4659% | 708 |
| Assets per employee ($millions) | 3.9781% | 4,333 |
| Cash dividends to net income (ytd only)* | 30.5802% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1934% | 2,703 |
| Loan loss allowance to noncurrent loans | 130.7692% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 1.1472% | 899 |
| Noncurrent loans to loans | 0.9126% | 1,635 |
| Net loans and leases to total assets | 77.3487% | 920 |
| Net loans and leases to deposits | 87.3413% | 1,554 |
| Net loans and leases to core deposits | 92.1206% | 1,786 |
| Total domestic deposits to total assets | 88.5591% | 953 |
| Equity capital to assets | 9.5750% | 3,628 |
| Core capital (leverage) ratio | 9.1109% | 3,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7330% | 1,578 |
| Memoranda: | ||
| Average total assets | $730,065,000 | 1,116 |
| Average earning assets | $666,715,250 | 1,131 |
| Average equity | $70,321,750 | 1,277 |
| Average total loans | $574,132,250 | 1,012 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5690% | 1,730 |
| Cost of funding earning assets | 0.7342% | 2,211 |
| Net interest margin | 3.8348% | 1,729 |
| Noninterest income to average assets | 1.0473% | 907 |
| Noninterest expense to average assets | 3.9918% | 407 |
| Loan and lease loss provision to assets | 0.4281% | 917 |
| Net operating income to assets | 0.1024% | 4,685 |
| Return on assets (ROA) | 0.1033% | 4,714 |
| Pretax return on assets | 0.1282% | 4,703 |
| Return on Equity (ROE) | 1.0702% | 4,678 |
| Retained earnings to average equity (ytd only) | -0.2032% | 4,347 |
| Net charge-offs to loans | 0.1203% | 1,124 |
| Credit loss provision to net charge-offs | 451.8950% | 1,298 |
| Earnings coverage of net charge-offs (x) | 5.8601% | 2,483 |
| Efficiency ratio | 87.7908% | 458 |
| Assets per employee ($millions) | 3.9038% | 4,391 |
| Cash dividends to net income (ytd only)* | 118.9840% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 2,937 |
| Loan loss allowance to noncurrent loans | 91.5356% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 1.3522% | 742 |
| Noncurrent loans to loans | 1.2225% | 1,284 |
| Net loans and leases to total assets | 77.1124% | 982 |
| Net loans and leases to deposits | 86.8147% | 1,680 |
| Net loans and leases to core deposits | 91.5157% | 1,947 |
| Total domestic deposits to total assets | 88.8241% | 814 |
| Equity capital to assets | 9.3157% | 3,818 |
| Core capital (leverage) ratio | 8.9321% | 3,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4448% | 1,649 |
| Memoranda: | ||
| Average total assets | $724,128,000 | 1,113 |
| Average earning assets | $660,846,000 | 1,123 |
| Average equity | $69,892,667 | 1,271 |
| Average total loans | $570,356,667 | 1,004 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7075% | 1,686 |
| Cost of funding earning assets | 0.7907% | 2,450 |
| Net interest margin | 3.9168% | 1,617 |
| Noninterest income to average assets | 1.2477% | 566 |
| Noninterest expense to average assets | 4.1129% | 443 |
| Loan and lease loss provision to assets | 0.5638% | 506 |
| Net operating income to assets | 0.1143% | 4,643 |
| Return on assets (ROA) | 0.1161% | 4,642 |
| Pretax return on assets | 0.1455% | 4,627 |
| Return on Equity (ROE) | 1.1814% | 4,603 |
| Retained earnings to average equity (ytd only) | -0.2237% | 4,027 |
| Net charge-offs to loans | 0.0221% | 1,925 |
| Credit loss provision to net charge-offs | 3,225.8065% | 243 |
| Earnings coverage of net charge-offs (x) | 40.4516% | 1,020 |
| Efficiency ratio | 85.3316% | 747 |
| Assets per employee ($millions) | 3.1862% | 4,698 |
| Cash dividends to net income (ytd only)* | 118.9320% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 3,047 |
| Loan loss allowance to noncurrent loans | 92.1880% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 1.3933% | 807 |
| Noncurrent loans to loans | 1.2254% | 1,331 |
| Net loans and leases to total assets | 77.7088% | 1,021 |
| Net loans and leases to deposits | 88.0178% | 1,750 |
| Net loans and leases to core deposits | 93.0553% | 2,065 |
| Total domestic deposits to total assets | 88.2877% | 982 |
| Equity capital to assets | 9.8116% | 3,950 |
| Core capital (leverage) ratio | 9.4262% | 4,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0583% | 1,885 |
| Memoranda: | ||
| Average total assets | $709,475,000 | 1,103 |
| Average earning assets | $647,055,500 | 1,112 |
| Average equity | $69,745,000 | 1,263 |
| Average total loans | $561,752,000 | 993 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8543% | 1,880 |
| Cost of funding earning assets | 0.8110% | 2,630 |
| Net interest margin | 4.0433% | 1,701 |
| Noninterest income to average assets | 1.2099% | 642 |
| Noninterest expense to average assets | 4.0879% | 480 |
| Loan and lease loss provision to assets | 0.2917% | 583 |
| Net operating income to assets | 0.4036% | 4,587 |
| Return on assets (ROA) | 0.4036% | 4,622 |
| Pretax return on assets | 0.5073% | 4,564 |
| Return on Equity (ROE) | 4.1755% | 4,422 |
| Retained earnings to average equity (ytd only) | 3.0566% | 3,495 |
| Net charge-offs to loans | 0.3633% | 550 |
| Credit loss provision to net charge-offs | 101.5857% | 2,439 |
| Earnings coverage of net charge-offs (x) | 2.7825% | 3,379 |
| Efficiency ratio | 83.6493% | 680 |
| Assets per employee ($millions) | 3.0796% | 4,780 |
| Cash dividends to net income (ytd only)* | 26.7983% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9542% | 3,727 |
| Loan loss allowance to noncurrent loans | 104.1117% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 1.2122% | 963 |
| Noncurrent loans to loans | 0.9165% | 1,675 |
| Net loans and leases to total assets | 79.0062% | 933 |
| Net loans and leases to deposits | 89.5377% | 1,646 |
| Net loans and leases to core deposits | 94.7462% | 2,001 |
| Total domestic deposits to total assets | 88.2379% | 1,011 |
| Equity capital to assets | 9.8497% | 4,057 |
| Core capital (leverage) ratio | 9.4290% | 4,134 |
| Tier 1 risk-based capital ratio | 13.7222% | 3,402 |
| Total risk-based capital ratio | 14.8259% | 3,384 |
| Memoranda: | ||
| Average total assets | $702,709,200 | 1,065 |
| Average earning assets | $639,064,800 | 1,082 |
| Average equity | $67,919,400 | 1,245 |
| Average total loans | $555,518,000 | 970 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8533% | 1,960 |
| Cost of funding earning assets | 0.8060% | 2,686 |
| Net interest margin | 4.0473% | 1,779 |
| Noninterest income to average assets | 1.2441% | 588 |
| Noninterest expense to average assets | 4.1432% | 447 |
| Loan and lease loss provision to assets | 0.2450% | 675 |
| Net operating income to assets | 0.4235% | 4,678 |
| Return on assets (ROA) | 0.4235% | 4,710 |
| Pretax return on assets | 0.5331% | 4,649 |
| Return on Equity (ROE) | 4.4026% | 4,505 |
| Retained earnings to average equity (ytd only) | 3.1983% | 3,805 |
| Net charge-offs to loans | 0.3554% | 477 |
| Credit loss provision to net charge-offs | 87.3984% | 2,422 |
| Earnings coverage of net charge-offs (x) | 2.7757% | 3,166 |
| Efficiency ratio | 84.1900% | 604 |
| Assets per employee ($millions) | 3.0290% | 4,875 |
| Cash dividends to net income (ytd only)* | 27.3541% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9217% | 3,956 |
| Loan loss allowance to noncurrent loans | 111.0871% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 1.2717% | 966 |
| Noncurrent loans to loans | 0.8297% | 1,910 |
| Net loans and leases to total assets | 78.4403% | 1,068 |
| Net loans and leases to deposits | 88.9476% | 1,823 |
| Net loans and leases to core deposits | 93.5615% | 2,217 |
| Total domestic deposits to total assets | 88.1871% | 957 |
| Equity capital to assets | 9.7829% | 4,223 |
| Core capital (leverage) ratio | 9.4964% | 4,168 |
| Tier 1 risk-based capital ratio | 13.5952% | 3,523 |
| Total risk-based capital ratio | 14.6515% | 3,532 |
| Memoranda: | ||
| Average total assets | $702,078,250 | 1,068 |
| Average earning assets | $637,871,250 | 1,081 |
| Average equity | $67,533,500 | 1,248 |
| Average total loans | $553,761,000 | 973 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8186% | 2,003 |
| Cost of funding earning assets | 0.8046% | 2,618 |
| Net interest margin | 4.0140% | 1,878 |
| Noninterest income to average assets | 1.0656% | 755 |
| Noninterest expense to average assets | 4.2200% | 399 |
| Loan and lease loss provision to assets | 0.0770% | 2,271 |
| Net operating income to assets | 0.3330% | 4,827 |
| Return on assets (ROA) | 0.3330% | 4,842 |
| Pretax return on assets | 0.4186% | 4,806 |
| Return on Equity (ROE) | 3.4820% | 4,689 |
| Retained earnings to average equity (ytd only) | 2.3333% | 4,009 |
| Net charge-offs to loans | 0.1514% | 1,030 |
| Credit loss provision to net charge-offs | 64.5933% | 2,366 |
| Earnings coverage of net charge-offs (x) | 4.1555% | 2,758 |
| Efficiency ratio | 89.4887% | 372 |
| Assets per employee ($millions) | 2.8258% | 5,001 |
| Cash dividends to net income (ytd only)* | 32.9906% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9337% | 3,948 |
| Loan loss allowance to noncurrent loans | 62.1020% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 1.7663% | 577 |
| Noncurrent loans to loans | 1.5035% | 1,029 |
| Net loans and leases to total assets | 78.5427% | 1,115 |
| Net loans and leases to deposits | 88.7657% | 1,893 |
| Net loans and leases to core deposits | 93.1012% | 2,318 |
| Total domestic deposits to total assets | 88.4831% | 880 |
| Equity capital to assets | 9.7107% | 4,224 |
| Core capital (leverage) ratio | 9.2465% | 4,413 |
| Tier 1 risk-based capital ratio | 13.6160% | 3,519 |
| Total risk-based capital ratio | 14.6954% | 3,511 |
| Memoranda: | ||
| Average total assets | $700,853,670 | 1,074 |
| Average earning assets | $637,318,000 | 1,083 |
| Average equity | $67,030,330 | 1,257 |
| Average total loans | $552,100,000 | 975 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7530% | 2,048 |
| Cost of funding earning assets | 0.8042% | 2,514 |
| Net interest margin | 3.9488% | 2,026 |
| Noninterest income to average assets | 1.0330% | 750 |
| Noninterest expense to average assets | 4.1154% | 452 |
| Loan and lease loss provision to assets | 0.0770% | 2,139 |
| Net operating income to assets | 0.3447% | 4,846 |
| Return on assets (ROA) | 0.3447% | 4,852 |
| Pretax return on assets | 0.4332% | 4,797 |
| Return on Equity (ROE) | 3.6320% | 4,655 |
| Retained earnings to average equity (ytd only) | 2.8804% | 3,786 |
| Net charge-offs to loans | 0.0029% | 2,638 |
| Credit loss provision to net charge-offs | 3,375.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 223.5000% | 351 |
| Efficiency ratio | 88.9698% | 436 |
| Assets per employee ($millions) | 2.8602% | 5,046 |
| Cash dividends to net income (ytd only)* | 20.6954% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9876% | 3,785 |
| Loan loss allowance to noncurrent loans | 54.7192% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 2.0597% | 459 |
| Noncurrent loans to loans | 1.8048% | 854 |
| Net loans and leases to total assets | 76.0460% | 1,473 |
| Net loans and leases to deposits | 85.7504% | 2,159 |
| Net loans and leases to core deposits | 90.2298% | 2,477 |
| Total domestic deposits to total assets | 88.6830% | 1,004 |
| Equity capital to assets | 9.2877% | 4,446 |
| Core capital (leverage) ratio | 9.2140% | 4,457 |
| Tier 1 risk-based capital ratio | 13.3131% | 3,710 |
| Total risk-based capital ratio | 14.4304% | 3,695 |
| Memoranda: | ||
| Average total assets | $700,878,000 | 1,080 |
| Average earning assets | $637,657,500 | 1,082 |
| Average equity | $66,519,000 | 1,255 |
| Average total loans | $550,340,500 | 985 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6893% | 1,856 |
| Cost of funding earning assets | 0.5760% | 2,879 |
| Net interest margin | 4.1132% | 1,642 |
| Noninterest income to average assets | 1.1112% | 743 |
| Noninterest expense to average assets | 4.4620% | 312 |
| Loan and lease loss provision to assets | 0.0373% | 3,454 |
| Net operating income to assets | 0.2487% | 5,062 |
| Return on assets (ROA) | 0.2487% | 5,057 |
| Pretax return on assets | 0.3006% | 5,042 |
| Return on Equity (ROE) | 2.5881% | 4,970 |
| Retained earnings to average equity (ytd only) | 2.5881% | 4,105 |
| Net charge-offs to loans | 0.2109% | 909 |
| Credit loss provision to net charge-offs | 22.6619% | 3,388 |
| Earnings coverage of net charge-offs (x) | 2.0540% | 3,559 |
| Efficiency ratio | 92.9608% | 259 |
| Assets per employee ($millions) | 2.7239% | 5,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9753% | 3,837 |
| Loan loss allowance to noncurrent loans | 83.7808% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.8071% | 572 |
| Noncurrent loans to loans | 1.1641% | 1,384 |
| Net loans and leases to total assets | 79.5555% | 1,011 |
| Net loans and leases to deposits | 90.7747% | 1,702 |
| Net loans and leases to core deposits | 95.8196% | 2,076 |
| Total domestic deposits to total assets | 87.6405% | 1,471 |
| Equity capital to assets | 9.7058% | 3,942 |
| Core capital (leverage) ratio | 9.5944% | 4,009 |
| Tier 1 risk-based capital ratio | 13.2950% | 3,661 |
| Total risk-based capital ratio | 14.3920% | 3,648 |
| Memoranda: | ||
| Average total assets | $675,998,800 | 1,085 |
| Average earning assets | $606,213,200 | 1,105 |
| Average equity | $64,950,400 | 1,239 |
| Average total loans | $527,162,800 | 997 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6657% | 1,780 |
| Cost of funding earning assets | 0.5501% | 2,858 |
| Net interest margin | 4.1156% | 1,585 |
| Noninterest income to average assets | 1.0896% | 793 |
| Noninterest expense to average assets | 4.5258% | 284 |
| Loan and lease loss provision to assets | 0.0373% | 3,257 |
| Net operating income to assets | 0.1668% | 5,217 |
| Return on assets (ROA) | 0.1668% | 5,210 |
| Pretax return on assets | 0.2075% | 5,200 |
| Return on Equity (ROE) | 1.7402% | 5,159 |
| Retained earnings to average equity (ytd only) | 1.7402% | 4,658 |
| Net charge-offs to loans | 0.2821% | 593 |
| Credit loss provision to net charge-offs | 17.1041% | 3,032 |
| Earnings coverage of net charge-offs (x) | 1.1213% | 3,374 |
| Efficiency ratio | 94.8681% | 225 |
| Assets per employee ($millions) | 2.7032% | 5,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9925% | 3,815 |
| Loan loss allowance to noncurrent loans | 80.0121% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.9254% | 568 |
| Noncurrent loans to loans | 1.2405% | 1,357 |
| Net loans and leases to total assets | 77.6264% | 1,396 |
| Net loans and leases to deposits | 87.8906% | 2,167 |
| Net loans and leases to core deposits | 92.1537% | 2,468 |
| Total domestic deposits to total assets | 88.3216% | 1,108 |
| Equity capital to assets | 9.5201% | 4,061 |
| Core capital (leverage) ratio | 9.3929% | 4,284 |
| Tier 1 risk-based capital ratio | 13.4569% | 3,651 |
| Total risk-based capital ratio | 14.5706% | 3,643 |
| Memoranda: | ||
| Average total assets | $674,752,500 | 1,087 |
| Average earning assets | $603,515,750 | 1,111 |
| Average equity | $64,664,250 | 1,240 |
| Average total loans | $522,179,500 | 998 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6329% | 1,685 |
| Cost of funding earning assets | 0.5062% | 2,968 |
| Net interest margin | 4.1267% | 1,475 |
| Noninterest income to average assets | 1.0563% | 865 |
| Noninterest expense to average assets | 4.5544% | 283 |
| Loan and lease loss provision to assets | 0.0374% | 3,160 |
| Net operating income to assets | 0.1333% | 5,271 |
| Return on assets (ROA) | 0.1333% | 5,264 |
| Pretax return on assets | 0.1517% | 5,272 |
| Return on Equity (ROE) | 1.3882% | 5,233 |
| Retained earnings to average equity (ytd only) | 1.3882% | 4,666 |
| Net charge-offs to loans | 0.3985% | 393 |
| Credit loss provision to net charge-offs | 12.1857% | 2,719 |
| Earnings coverage of net charge-offs (x) | 0.6161% | 3,119 |
| Efficiency ratio | 96.0123% | 223 |
| Assets per employee ($millions) | 2.5915% | 5,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 3,824 |
| Loan loss allowance to noncurrent loans | 82.0863% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.9025% | 579 |
| Noncurrent loans to loans | 1.2215% | 1,419 |
| Net loans and leases to total assets | 76.3130% | 1,585 |
| Net loans and leases to deposits | 88.0705% | 2,102 |
| Net loans and leases to core deposits | 92.5112% | 2,353 |
| Total domestic deposits to total assets | 86.6499% | 1,995 |
| Equity capital to assets | 9.4306% | 4,165 |
| Core capital (leverage) ratio | 9.5065% | 4,110 |
| Tier 1 risk-based capital ratio | 13.5642% | 3,584 |
| Total risk-based capital ratio | 14.6864% | 3,571 |
| Memoranda: | ||
| Average total assets | $673,506,000 | 1,093 |
| Average earning assets | $601,782,000 | 1,114 |
| Average equity | $64,688,000 | 1,241 |
| Average total loans | $518,916,330 | 1,008 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6707% | 1,376 |
| Cost of funding earning assets | 0.4841% | 2,919 |
| Net interest margin | 4.1866% | 1,202 |
| Noninterest income to average assets | 1.0039% | 903 |
| Noninterest expense to average assets | 4.4981% | 295 |
| Loan and lease loss provision to assets | 0.0377% | 2,994 |
| Net operating income to assets | 0.1527% | 5,286 |
| Return on assets (ROA) | 0.1527% | 5,281 |
| Pretax return on assets | 0.2011% | 5,261 |
| Return on Equity (ROE) | 1.5747% | 5,239 |
| Retained earnings to average equity (ytd only) | 1.5747% | 4,467 |
| Net charge-offs to loans | 0.4329% | 360 |
| Credit loss provision to net charge-offs | 11.3106% | 2,167 |
| Earnings coverage of net charge-offs (x) | 0.7163% | 2,621 |
| Efficiency ratio | 94.9577% | 274 |
| Assets per employee ($millions) | 2.5893% | 5,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 3,351 |
| Loan loss allowance to noncurrent loans | 69.3084% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 2.2275% | 463 |
| Noncurrent loans to loans | 1.5933% | 1,090 |
| Net loans and leases to total assets | 76.1477% | 1,517 |
| Net loans and leases to deposits | 86.3434% | 2,116 |
| Net loans and leases to core deposits | 93.5623% | 2,172 |
| Total domestic deposits to total assets | 88.1917% | 1,512 |
| Equity capital to assets | 9.6163% | 3,979 |
| Core capital (leverage) ratio | 9.5577% | 4,006 |
| Tier 1 risk-based capital ratio | 13.9677% | 3,395 |
| Total risk-based capital ratio | 15.2128% | 3,311 |
| Memoranda: | ||
| Average total assets | $668,187,500 | 1,112 |
| Average earning assets | $595,802,500 | 1,136 |
| Average equity | $64,772,500 | 1,242 |
| Average total loans | $514,685,500 | 1,020 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5298% | 1,617 |
| Cost of funding earning assets | 0.4571% | 2,703 |
| Net interest margin | 4.0727% | 1,523 |
| Noninterest income to average assets | 1.5040% | 464 |
| Noninterest expense to average assets | 4.3980% | 344 |
| Loan and lease loss provision to assets | 0.0688% | 2,827 |
| Net operating income to assets | 0.4661% | 4,471 |
| Return on assets (ROA) | 0.4661% | 4,505 |
| Pretax return on assets | 0.6061% | 4,731 |
| Return on Equity (ROE) | 4.7427% | 4,274 |
| Retained earnings to average equity (ytd only) | 4.7427% | 2,293 |
| Net charge-offs to loans | 0.0666% | 2,520 |
| Credit loss provision to net charge-offs | 138.0368% | 1,916 |
| Earnings coverage of net charge-offs (x) | 13.5460% | 2,388 |
| Efficiency ratio | 86.6972% | 601 |
| Assets per employee ($millions) | 2.6108% | 5,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 2,725 |
| Loan loss allowance to noncurrent loans | 81.9143% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 2.1664% | 493 |
| Noncurrent loans to loans | 1.4744% | 1,159 |
| Net loans and leases to total assets | 76.1258% | 1,567 |
| Net loans and leases to deposits | 86.7557% | 2,166 |
| Net loans and leases to core deposits | 94.6578% | 2,139 |
| Total domestic deposits to total assets | 87.7473% | 1,631 |
| Equity capital to assets | 9.7717% | 3,946 |
| Core capital (leverage) ratio | 9.5616% | 3,959 |
| Tier 1 risk-based capital ratio | 14.0474% | 3,338 |
| Total risk-based capital ratio | 15.2989% | 3,233 |
| Memoranda: | ||
| Average total assets | $654,383,200 | 1,112 |
| Average earning assets | $573,424,200 | 1,156 |
| Average equity | $64,308,800 | 1,231 |
| Average total loans | $489,656,200 | 1,050 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5176% | 1,593 |
| Cost of funding earning assets | 0.4476% | 2,738 |
| Net interest margin | 4.0701% | 1,480 |
| Noninterest income to average assets | 1.6271% | 418 |
| Noninterest expense to average assets | 4.4118% | 340 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7696% | 3,648 |
| Return on assets (ROA) | 0.7696% | 3,702 |
| Pretax return on assets | 0.7678% | 4,432 |
| Return on Equity (ROE) | 7.8203% | 3,220 |
| Retained earnings to average equity (ytd only) | 7.8203% | 1,292 |
| Net charge-offs to loans | -0.0039% | 4,415 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1764% | 675 |
| Assets per employee ($millions) | 2.6709% | 5,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2138% | 2,845 |
| Loan loss allowance to noncurrent loans | 59.5324% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 2.6658% | 375 |
| Noncurrent loans to loans | 2.0389% | 831 |
| Net loans and leases to total assets | 74.4753% | 1,843 |
| Net loans and leases to deposits | 85.0572% | 2,426 |
| Net loans and leases to core deposits | 91.9561% | 2,447 |
| Total domestic deposits to total assets | 87.5591% | 1,605 |
| Equity capital to assets | 9.9506% | 3,960 |
| Core capital (leverage) ratio | 9.8427% | 3,765 |
| Tier 1 risk-based capital ratio | 14.7134% | 3,057 |
| Total risk-based capital ratio | 15.9649% | 2,988 |
| Memoranda: | ||
| Average total assets | $651,540,000 | 1,123 |
| Average earning assets | $568,691,250 | 1,171 |
| Average equity | $64,122,000 | 1,241 |
| Average total loans | $483,818,250 | 1,064 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4943% | 1,524 |
| Cost of funding earning assets | 0.4362% | 2,742 |
| Net interest margin | 4.0581% | 1,437 |
| Noninterest income to average assets | 1.9007% | 341 |
| Noninterest expense to average assets | 4.4857% | 325 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9533% | 2,642 |
| Return on assets (ROA) | 0.9533% | 2,701 |
| Pretax return on assets | 0.9489% | 3,768 |
| Return on Equity (ROE) | 9.7230% | 2,159 |
| Retained earnings to average equity (ytd only) | 9.7230% | 639 |
| Net charge-offs to loans | -0.0983% | 5,406 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5390% | 954 |
| Assets per employee ($millions) | 2.5765% | 5,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2904% | 2,461 |
| Loan loss allowance to noncurrent loans | 59.4551% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 2.7072% | 366 |
| Noncurrent loans to loans | 2.1704% | 749 |
| Net loans and leases to total assets | 73.1470% | 2,013 |
| Net loans and leases to deposits | 83.5846% | 2,537 |
| Net loans and leases to core deposits | 90.5198% | 2,476 |
| Total domestic deposits to total assets | 87.5125% | 1,712 |
| Equity capital to assets | 9.9522% | 3,967 |
| Core capital (leverage) ratio | 9.8629% | 3,701 |
| Tier 1 risk-based capital ratio | 14.9721% | 2,939 |
| Total risk-based capital ratio | 16.2249% | 2,871 |
| Memoranda: | ||
| Average total assets | $647,034,000 | 1,132 |
| Average earning assets | $563,471,330 | 1,185 |
| Average equity | $63,437,000 | 1,251 |
| Average total loans | $477,961,000 | 1,081 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3720% | 1,745 |
| Cost of funding earning assets | 0.4195% | 2,818 |
| Net interest margin | 3.9525% | 1,602 |
| Noninterest income to average assets | 1.0949% | 824 |
| Noninterest expense to average assets | 4.3542% | 367 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1848% | 5,418 |
| Return on assets (ROA) | 0.1848% | 5,428 |
| Pretax return on assets | 0.1760% | 5,459 |
| Return on Equity (ROE) | 1.8994% | 5,350 |
| Retained earnings to average equity (ytd only) | 1.8994% | 4,363 |
| Net charge-offs to loans | 0.0880% | 1,464 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.7115% | 2,560 |
| Efficiency ratio | 96.1141% | 316 |
| Assets per employee ($millions) | 2.5690% | 5,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 2,808 |
| Loan loss allowance to noncurrent loans | 42.6835% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 3.7292% | 218 |
| Noncurrent loans to loans | 2.9344% | 481 |
| Net loans and leases to total assets | 72.6791% | 1,974 |
| Net loans and leases to deposits | 82.0020% | 2,510 |
| Net loans and leases to core deposits | 85.7682% | 2,738 |
| Total domestic deposits to total assets | 88.6308% | 1,356 |
| Equity capital to assets | 9.6559% | 4,117 |
| Core capital (leverage) ratio | 9.7260% | 3,841 |
| Tier 1 risk-based capital ratio | 14.9409% | 2,995 |
| Total risk-based capital ratio | 16.1933% | 2,922 |
| Memoranda: | ||
| Average total assets | $640,765,000 | 1,143 |
| Average earning assets | $556,909,500 | 1,194 |
| Average equity | $62,334,500 | 1,273 |
| Average total loans | $472,559,500 | 1,086 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4429% | 1,703 |
| Cost of funding earning assets | 0.3836% | 3,165 |
| Net interest margin | 4.0593% | 1,471 |
| Noninterest income to average assets | 1.1163% | 922 |
| Noninterest expense to average assets | 4.5070% | 372 |
| Loan and lease loss provision to assets | -0.0791% | 5,653 |
| Net operating income to assets | 0.2075% | 5,403 |
| Return on assets (ROA) | 0.2554% | 5,381 |
| Pretax return on assets | 0.2543% | 5,421 |
| Return on Equity (ROE) | 2.5872% | 5,269 |
| Retained earnings to average equity (ytd only) | 2.5872% | 4,047 |
| Net charge-offs to loans | 0.2016% | 1,377 |
| Credit loss provision to net charge-offs | -54.2888% | 4,828 |
| Earnings coverage of net charge-offs (x) | 0.8740% | 4,068 |
| Efficiency ratio | 97.2527% | 277 |
| Assets per employee ($millions) | 2.5467% | 5,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2957% | 2,567 |
| Loan loss allowance to noncurrent loans | 45.2965% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 3.7942% | 211 |
| Noncurrent loans to loans | 2.8605% | 496 |
| Net loans and leases to total assets | 72.9432% | 2,021 |
| Net loans and leases to deposits | 83.2482% | 2,507 |
| Net loans and leases to core deposits | 87.2606% | 2,752 |
| Total domestic deposits to total assets | 87.6214% | 1,822 |
| Equity capital to assets | 9.8019% | 3,940 |
| Core capital (leverage) ratio | 9.9349% | 3,579 |
| Tier 1 risk-based capital ratio | 15.3867% | 2,798 |
| Total risk-based capital ratio | 16.6399% | 2,728 |
| Memoranda: | ||
| Average total assets | $632,278,600 | 1,119 |
| Average earning assets | $547,973,800 | 1,173 |
| Average equity | $62,423,200 | 1,256 |
| Average total loans | $456,888,200 | 1,069 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4404% | 1,725 |
| Cost of funding earning assets | 0.3769% | 3,261 |
| Net interest margin | 4.0635% | 1,490 |
| Noninterest income to average assets | 1.1125% | 922 |
| Noninterest expense to average assets | 4.2744% | 457 |
| Loan and lease loss provision to assets | -0.1055% | 5,800 |
| Net operating income to assets | 0.4668% | 4,815 |
| Return on assets (ROA) | 0.5174% | 4,735 |
| Pretax return on assets | 0.5162% | 5,088 |
| Return on Equity (ROE) | 5.2317% | 4,417 |
| Retained earnings to average equity (ytd only) | 5.2317% | 2,676 |
| Net charge-offs to loans | 0.1865% | 1,249 |
| Credit loss provision to net charge-offs | -78.7402% | 4,727 |
| Earnings coverage of net charge-offs (x) | 2.6866% | 3,537 |
| Efficiency ratio | 92.2317% | 452 |
| Assets per employee ($millions) | 2.4560% | 5,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 2,348 |
| Loan loss allowance to noncurrent loans | 47.2784% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 4.2045% | 190 |
| Noncurrent loans to loans | 2.8938% | 540 |
| Net loans and leases to total assets | 72.3363% | 2,140 |
| Net loans and leases to deposits | 82.1644% | 2,709 |
| Net loans and leases to core deposits | 86.0535% | 2,947 |
| Total domestic deposits to total assets | 88.0385% | 1,388 |
| Equity capital to assets | 10.0835% | 4,055 |
| Core capital (leverage) ratio | 9.9996% | 3,569 |
| Tier 1 risk-based capital ratio | 15.7217% | 2,742 |
| Total risk-based capital ratio | 16.9759% | 2,678 |
| Memoranda: | ||
| Average total assets | $631,815,000 | 1,121 |
| Average earning assets | $547,588,500 | 1,177 |
| Average equity | $62,489,750 | 1,259 |
| Average total loans | $453,953,000 | 1,069 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4272% | 1,751 |
| Cost of funding earning assets | 0.3681% | 3,376 |
| Net interest margin | 4.0592% | 1,480 |
| Noninterest income to average assets | 1.0108% | 1,093 |
| Noninterest expense to average assets | 4.1543% | 513 |
| Loan and lease loss provision to assets | -0.1584% | 5,920 |
| Net operating income to assets | 0.5342% | 4,546 |
| Return on assets (ROA) | 0.6103% | 4,352 |
| Pretax return on assets | 0.6099% | 4,856 |
| Return on Equity (ROE) | 6.2108% | 3,958 |
| Retained earnings to average equity (ytd only) | 6.2108% | 2,010 |
| Net charge-offs to loans | 0.1528% | 1,414 |
| Credit loss provision to net charge-offs | -145.3488% | 4,656 |
| Earnings coverage of net charge-offs (x) | 3.4448% | 3,108 |
| Efficiency ratio | 91.7110% | 508 |
| Assets per employee ($millions) | 2.4123% | 5,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4467% | 2,078 |
| Loan loss allowance to noncurrent loans | 53.1028% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 4.2174% | 197 |
| Noncurrent loans to loans | 2.7242% | 594 |
| Net loans and leases to total assets | 71.6693% | 2,222 |
| Net loans and leases to deposits | 81.3924% | 2,773 |
| Net loans and leases to core deposits | 85.3691% | 2,951 |
| Total domestic deposits to total assets | 88.0540% | 1,407 |
| Equity capital to assets | 10.0337% | 4,185 |
| Core capital (leverage) ratio | 9.9825% | 3,580 |
| Tier 1 risk-based capital ratio | 15.6964% | 2,785 |
| Total risk-based capital ratio | 16.9515% | 2,718 |
| Memoranda: | ||
| Average total assets | $631,201,330 | 1,124 |
| Average earning assets | $547,206,000 | 1,185 |
| Average equity | $62,021,330 | 1,271 |
| Average total loans | $450,363,670 | 1,081 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4305% | 1,709 |
| Cost of funding earning assets | 0.3686% | 3,415 |
| Net interest margin | 4.0619% | 1,445 |
| Noninterest income to average assets | 0.9353% | 1,223 |
| Noninterest expense to average assets | 3.9924% | 607 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4775% | 4,716 |
| Return on assets (ROA) | 0.5441% | 4,551 |
| Pretax return on assets | 0.5453% | 4,965 |
| Return on Equity (ROE) | 5.5965% | 4,177 |
| Retained earnings to average equity (ytd only) | 5.5965% | 2,585 |
| Net charge-offs to loans | 0.2459% | 837 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.7555% | 2,640 |
| Efficiency ratio | 89.2923% | 718 |
| Assets per employee ($millions) | 2.5651% | 5,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6031% | 1,597 |
| Loan loss allowance to noncurrent loans | 53.3673% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 4.2007% | 226 |
| Noncurrent loans to loans | 3.0039% | 543 |
| Net loans and leases to total assets | 69.6512% | 2,400 |
| Net loans and leases to deposits | 79.5755% | 2,855 |
| Net loans and leases to core deposits | 83.3322% | 3,001 |
| Total domestic deposits to total assets | 87.5284% | 1,910 |
| Equity capital to assets | 9.7426% | 4,406 |
| Core capital (leverage) ratio | 9.8349% | 3,735 |
| Tier 1 risk-based capital ratio | 16.0232% | 2,670 |
| Total risk-based capital ratio | 17.2808% | 2,618 |
| Memoranda: | ||
| Average total assets | $630,792,000 | 1,123 |
| Average earning assets | $549,103,500 | 1,182 |
| Average equity | $61,324,500 | 1,274 |
| Average total loans | $445,739,000 | 1,090 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5873% | 1,370 |
| Cost of funding earning assets | 0.4658% | 2,475 |
| Net interest margin | 4.1216% | 1,358 |
| Noninterest income to average assets | 0.9787% | 1,237 |
| Noninterest expense to average assets | 4.3989% | 435 |
| Loan and lease loss provision to assets | -0.3425% | 6,086 |
| Net operating income to assets | 0.5075% | 4,662 |
| Return on assets (ROA) | 0.5129% | 4,727 |
| Pretax return on assets | 0.5159% | 5,078 |
| Return on Equity (ROE) | 5.5344% | 4,265 |
| Retained earnings to average equity (ytd only) | 5.5344% | 2,063 |
| Net charge-offs to loans | 0.0513% | 3,173 |
| Credit loss provision to net charge-offs | -960.6987% | 5,554 |
| Earnings coverage of net charge-offs (x) | 4.7118% | 3,502 |
| Efficiency ratio | 96.3222% | 386 |
| Assets per employee ($millions) | 2.6389% | 5,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6984% | 1,351 |
| Loan loss allowance to noncurrent loans | 50.4681% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 4.3562% | 227 |
| Noncurrent loans to loans | 3.3654% | 430 |
| Net loans and leases to total assets | 69.3407% | 2,480 |
| Net loans and leases to deposits | 77.4747% | 3,108 |
| Net loans and leases to core deposits | 80.7189% | 3,272 |
| Total domestic deposits to total assets | 89.5011% | 855 |
| Equity capital to assets | 9.7007% | 4,306 |
| Core capital (leverage) ratio | 9.6671% | 3,951 |
| Tier 1 risk-based capital ratio | 16.2909% | 2,567 |
| Total risk-based capital ratio | 17.5501% | 2,522 |
| Memoranda: | ||
| Average total assets | $642,411,600 | 1,065 |
| Average earning assets | $559,279,200 | 1,125 |
| Average equity | $59,536,400 | 1,269 |
| Average total loans | $446,192,000 | 1,034 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5215% | 1,530 |
| Cost of funding earning assets | 0.4878% | 2,334 |
| Net interest margin | 4.0336% | 1,602 |
| Noninterest income to average assets | 0.9517% | 1,312 |
| Noninterest expense to average assets | 3.9090% | 734 |
| Loan and lease loss provision to assets | -0.2474% | 6,129 |
| Net operating income to assets | 0.7950% | 3,452 |
| Return on assets (ROA) | 0.8023% | 3,516 |
| Pretax return on assets | 0.8058% | 4,322 |
| Return on Equity (ROE) | 8.7555% | 2,700 |
| Retained earnings to average equity (ytd only) | 8.7555% | 987 |
| Net charge-offs to loans | 0.0149% | 3,659 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,621 |
| Earnings coverage of net charge-offs (x) | 53.4560% | 1,000 |
| Efficiency ratio | 87.6433% | 880 |
| Assets per employee ($millions) | 2.6072% | 5,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9775% | 945 |
| Loan loss allowance to noncurrent loans | 48.5011% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 5.2206% | 179 |
| Noncurrent loans to loans | 4.0772% | 312 |
| Net loans and leases to total assets | 67.8511% | 2,698 |
| Net loans and leases to deposits | 75.9881% | 3,303 |
| Net loans and leases to core deposits | 79.0193% | 3,508 |
| Total domestic deposits to total assets | 89.2918% | 875 |
| Equity capital to assets | 9.7400% | 4,469 |
| Core capital (leverage) ratio | 9.6573% | 4,093 |
| Tier 1 risk-based capital ratio | 16.4446% | 2,607 |
| Total risk-based capital ratio | 17.7077% | 2,560 |
| Memoranda: | ||
| Average total assets | $646,657,500 | 1,067 |
| Average earning assets | $562,456,750 | 1,115 |
| Average equity | $59,252,750 | 1,284 |
| Average total loans | $447,447,750 | 1,035 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4751% | 1,619 |
| Cost of funding earning assets | 0.5090% | 2,172 |
| Net interest margin | 3.9661% | 1,754 |
| Noninterest income to average assets | 0.8848% | 1,488 |
| Noninterest expense to average assets | 3.9058% | 758 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4295% | 5,039 |
| Return on assets (ROA) | 0.4402% | 5,100 |
| Pretax return on assets | 0.4415% | 5,372 |
| Return on Equity (ROE) | 4.9046% | 4,662 |
| Retained earnings to average equity (ytd only) | 4.9046% | 2,917 |
| Net charge-offs to loans | 0.5275% | 468 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.1801% | 3,562 |
| Efficiency ratio | 90.0680% | 745 |
| Assets per employee ($millions) | 2.6766% | 5,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9681% | 1,035 |
| Loan loss allowance to noncurrent loans | 51.3282% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 5.0366% | 218 |
| Noncurrent loans to loans | 3.8344% | 421 |
| Net loans and leases to total assets | 67.7240% | 2,685 |
| Net loans and leases to deposits | 75.2893% | 3,346 |
| Net loans and leases to core deposits | 78.3280% | 3,544 |
| Total domestic deposits to total assets | 89.9518% | 684 |
| Equity capital to assets | 9.1643% | 5,065 |
| Core capital (leverage) ratio | 9.0132% | 4,952 |
| Tier 1 risk-based capital ratio | 15.5236% | 3,094 |
| Total risk-based capital ratio | 16.7865% | 3,030 |
| Memoranda: | ||
| Average total assets | $651,029,000 | 1,064 |
| Average earning assets | $566,598,330 | 1,113 |
| Average equity | $58,434,670 | 1,301 |
| Average total loans | $450,417,670 | 1,030 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3854% | 1,818 |
| Cost of funding earning assets | 0.5221% | 2,089 |
| Net interest margin | 3.8633% | 2,018 |
| Noninterest income to average assets | 0.8307% | 1,600 |
| Noninterest expense to average assets | 3.7457% | 939 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4523% | 4,865 |
| Return on assets (ROA) | 0.4736% | 4,903 |
| Pretax return on assets | 0.4755% | 5,247 |
| Return on Equity (ROE) | 5.3317% | 4,359 |
| Retained earnings to average equity (ytd only) | 5.3317% | 2,872 |
| Net charge-offs to loans | 0.8481% | 281 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.7734% | 3,013 |
| Efficiency ratio | 89.1876% | 922 |
| Assets per employee ($millions) | 2.8449% | 5,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9914% | 1,102 |
| Loan loss allowance to noncurrent loans | 43.2391% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 5.3875% | 211 |
| Noncurrent loans to loans | 4.6056% | 330 |
| Net loans and leases to total assets | 66.8111% | 2,633 |
| Net loans and leases to deposits | 74.1406% | 3,291 |
| Net loans and leases to core deposits | 77.1243% | 3,471 |
| Total domestic deposits to total assets | 90.1140% | 693 |
| Equity capital to assets | 8.9089% | 5,384 |
| Core capital (leverage) ratio | 8.8775% | 5,100 |
| Tier 1 risk-based capital ratio | 15.1745% | 3,333 |
| Total risk-based capital ratio | 16.4376% | 3,247 |
| Memoranda: | ||
| Average total assets | $655,357,000 | 1,059 |
| Average earning assets | $571,529,000 | 1,112 |
| Average equity | $58,217,500 | 1,314 |
| Average total loans | $453,739,000 | 1,022 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5162% | 1,800 |
| Cost of funding earning assets | 0.5936% | 1,814 |
| Net interest margin | 3.9226% | 2,148 |
| Noninterest income to average assets | 0.8577% | 1,649 |
| Noninterest expense to average assets | 4.1226% | 666 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1558% | 5,862 |
| Return on assets (ROA) | 0.1561% | 5,910 |
| Pretax return on assets | 0.1553% | 5,932 |
| Return on Equity (ROE) | 1.9121% | 5,787 |
| Retained earnings to average equity (ytd only) | 1.9121% | 4,847 |
| Net charge-offs to loans | 0.6666% | 574 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.3322% | 4,659 |
| Efficiency ratio | 96.3484% | 487 |
| Assets per employee ($millions) | 2.7340% | 6,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1685% | 863 |
| Loan loss allowance to noncurrent loans | 45.3868% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 5.6724% | 216 |
| Noncurrent loans to loans | 4.7778% | 324 |
| Net loans and leases to total assets | 68.7927% | 2,441 |
| Net loans and leases to deposits | 76.3061% | 3,170 |
| Net loans and leases to core deposits | 79.4155% | 3,365 |
| Total domestic deposits to total assets | 90.1535% | 672 |
| Equity capital to assets | 8.8574% | 5,424 |
| Core capital (leverage) ratio | 8.1866% | 5,863 |
| Tier 1 risk-based capital ratio | 14.4639% | 3,798 |
| Total risk-based capital ratio | 15.7311% | 3,724 |
| Memoranda: | ||
| Average total assets | $676,686,600 | 985 |
| Average earning assets | $589,960,600 | 1,038 |
| Average equity | $55,228,000 | 1,323 |
| Average total loans | $473,781,200 | 937 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4996% | 1,870 |
| Cost of funding earning assets | 0.6043% | 1,791 |
| Net interest margin | 3.8954% | 2,262 |
| Noninterest income to average assets | 0.8089% | 1,860 |
| Noninterest expense to average assets | 4.0611% | 712 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1438% | 5,959 |
| Return on assets (ROA) | 0.1444% | 5,990 |
| Pretax return on assets | 0.1427% | 6,017 |
| Return on Equity (ROE) | 1.8062% | 5,880 |
| Retained earnings to average equity (ytd only) | 1.8062% | 5,148 |
| Net charge-offs to loans | 0.7327% | 465 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.2772% | 4,412 |
| Efficiency ratio | 96.5826% | 481 |
| Assets per employee ($millions) | 2.5727% | 6,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2533% | 875 |
| Loan loss allowance to noncurrent loans | 43.3488% | 5,346 |
| Noncurrent assets plus other real estate owned to assets | 5.6296% | 261 |
| Noncurrent loans to loans | 5.1981% | 329 |
| Net loans and leases to total assets | 67.7947% | 2,570 |
| Net loans and leases to deposits | 74.7920% | 3,328 |
| Net loans and leases to core deposits | 78.1158% | 3,526 |
| Total domestic deposits to total assets | 90.6442% | 472 |
| Equity capital to assets | 8.3299% | 5,918 |
| Core capital (leverage) ratio | 7.8131% | 6,166 |
| Tier 1 risk-based capital ratio | 13.8223% | 4,342 |
| Total risk-based capital ratio | 15.0907% | 4,265 |
| Memoranda: | ||
| Average total assets | $683,185,750 | 990 |
| Average earning assets | $595,292,250 | 1,038 |
| Average equity | $54,626,500 | 1,345 |
| Average total loans | $477,839,250 | 934 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4928% | 1,852 |
| Cost of funding earning assets | 0.6142% | 1,774 |
| Net interest margin | 3.8786% | 2,260 |
| Noninterest income to average assets | 0.7803% | 1,910 |
| Noninterest expense to average assets | 4.1259% | 655 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0358% | 6,152 |
| Return on assets (ROA) | 0.0369% | 6,178 |
| Pretax return on assets | 0.0355% | 6,165 |
| Return on Equity (ROE) | 0.4681% | 6,154 |
| Retained earnings to average equity (ytd only) | 0.4681% | 5,558 |
| Net charge-offs to loans | 0.6235% | 628 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.0785% | 4,118 |
| Efficiency ratio | 99.1195% | 430 |
| Assets per employee ($millions) | 2.5866% | 6,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4544% | 759 |
| Loan loss allowance to noncurrent loans | 46.0956% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 5.7835% | 274 |
| Noncurrent loans to loans | 5.3245% | 355 |
| Net loans and leases to total assets | 67.3730% | 2,520 |
| Net loans and leases to deposits | 74.0154% | 3,314 |
| Net loans and leases to core deposits | 77.6603% | 3,480 |
| Total domestic deposits to total assets | 91.0257% | 410 |
| Equity capital to assets | 7.9907% | 6,160 |
| Core capital (leverage) ratio | 7.4808% | 6,317 |
| Tier 1 risk-based capital ratio | 13.2221% | 4,771 |
| Total risk-based capital ratio | 14.4935% | 4,694 |
| Memoranda: | ||
| Average total assets | $687,943,000 | 980 |
| Average earning assets | $599,496,330 | 1,032 |
| Average equity | $54,262,000 | 1,336 |
| Average total loans | $482,471,670 | 924 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5188% | 1,751 |
| Cost of funding earning assets | 0.6233% | 1,784 |
| Net interest margin | 3.8955% | 2,103 |
| Noninterest income to average assets | 0.8354% | 1,616 |
| Noninterest expense to average assets | 4.1716% | 623 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0602% | 6,105 |
| Return on assets (ROA) | 0.0620% | 6,126 |
| Pretax return on assets | 0.0614% | 6,138 |
| Return on Equity (ROE) | 0.7910% | 6,083 |
| Retained earnings to average equity (ytd only) | 0.7910% | 5,275 |
| Net charge-offs to loans | 0.7248% | 481 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.1165% | 3,414 |
| Efficiency ratio | 98.4803% | 527 |
| Assets per employee ($millions) | 2.6279% | 6,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5264% | 790 |
| Loan loss allowance to noncurrent loans | 43.0042% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 6.2059% | 267 |
| Noncurrent loans to loans | 5.8747% | 312 |
| Net loans and leases to total assets | 67.5684% | 2,289 |
| Net loans and leases to deposits | 74.1041% | 3,051 |
| Net loans and leases to core deposits | 77.6700% | 3,235 |
| Total domestic deposits to total assets | 91.1804% | 497 |
| Equity capital to assets | 7.7946% | 6,181 |
| Core capital (leverage) ratio | 7.5338% | 6,326 |
| Tier 1 risk-based capital ratio | 13.0708% | 4,962 |
| Total risk-based capital ratio | 14.3434% | 4,888 |
| Memoranda: | ||
| Average total assets | $690,479,500 | 985 |
| Average earning assets | $601,932,000 | 1,042 |
| Average equity | $54,110,000 | 1,340 |
| Average total loans | $487,884,500 | 912 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9121% | 1,073 |
| Cost of funding earning assets | 0.6959% | 1,845 |
| Net interest margin | 4.2162% | 1,308 |
| Noninterest income to average assets | 0.6787% | 2,654 |
| Noninterest expense to average assets | 3.9970% | 880 |
| Loan and lease loss provision to assets | 0.0785% | 3,537 |
| Net operating income to assets | 0.2910% | 5,554 |
| Return on assets (ROA) | 0.3052% | 5,605 |
| Pretax return on assets | 0.3022% | 5,727 |
| Return on Equity (ROE) | 3.9831% | 5,121 |
| Retained earnings to average equity (ytd only) | 3.9831% | 3,361 |
| Net charge-offs to loans | 0.8433% | 732 |
| Credit loss provision to net charge-offs | 12.8505% | 4,552 |
| Earnings coverage of net charge-offs (x) | 0.6000% | 4,882 |
| Efficiency ratio | 91.4524% | 911 |
| Assets per employee ($millions) | 2.5930% | 6,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6530% | 699 |
| Loan loss allowance to noncurrent loans | 46.2060% | 5,414 |
| Noncurrent assets plus other real estate owned to assets | 6.4511% | 283 |
| Noncurrent loans to loans | 5.7417% | 376 |
| Net loans and leases to total assets | 70.1103% | 1,993 |
| Net loans and leases to deposits | 76.9253% | 2,866 |
| Net loans and leases to core deposits | 80.7635% | 3,040 |
| Total domestic deposits to total assets | 91.1408% | 518 |
| Equity capital to assets | 7.8793% | 6,099 |
| Core capital (leverage) ratio | 7.4924% | 6,374 |
| Tier 1 risk-based capital ratio | 12.6885% | 5,179 |
| Total risk-based capital ratio | 13.9629% | 5,112 |
| Memoranda: | ||
| Average total assets | $700,582,800 | 944 |
| Average earning assets | $612,283,800 | 996 |
| Average equity | $53,677,400 | 1,323 |
| Average total loans | $507,552,800 | 840 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8892% | 1,146 |
| Cost of funding earning assets | 0.7064% | 1,908 |
| Net interest margin | 4.1828% | 1,386 |
| Noninterest income to average assets | 0.6937% | 2,645 |
| Noninterest expense to average assets | 3.8745% | 997 |
| Loan and lease loss provision to assets | 0.1041% | 3,027 |
| Net operating income to assets | 0.3775% | 5,342 |
| Return on assets (ROA) | 0.3962% | 5,393 |
| Pretax return on assets | 0.3944% | 5,639 |
| Return on Equity (ROE) | 5.2076% | 4,623 |
| Retained earnings to average equity (ytd only) | 5.2076% | 2,930 |
| Net charge-offs to loans | 0.8224% | 713 |
| Credit loss provision to net charge-offs | 17.4437% | 4,110 |
| Earnings coverage of net charge-offs (x) | 0.8040% | 4,586 |
| Efficiency ratio | 88.8266% | 1,101 |
| Assets per employee ($millions) | 2.5399% | 6,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8359% | 652 |
| Loan loss allowance to noncurrent loans | 45.6905% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 6.5431% | 328 |
| Noncurrent loans to loans | 6.2067% | 388 |
| Net loans and leases to total assets | 70.4588% | 1,879 |
| Net loans and leases to deposits | 77.3603% | 2,765 |
| Net loans and leases to core deposits | 81.2466% | 2,969 |
| Total domestic deposits to total assets | 91.0789% | 499 |
| Equity capital to assets | 7.8182% | 6,250 |
| Core capital (leverage) ratio | 7.4724% | 6,455 |
| Tier 1 risk-based capital ratio | 12.5769% | 5,410 |
| Total risk-based capital ratio | 13.8542% | 5,332 |
| Memoranda: | ||
| Average total assets | $704,590,000 | 946 |
| Average earning assets | $616,610,000 | 995 |
| Average equity | $53,612,250 | 1,336 |
| Average total loans | $511,185,250 | 828 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8821% | 1,139 |
| Cost of funding earning assets | 0.7151% | 1,960 |
| Net interest margin | 4.1670% | 1,359 |
| Noninterest income to average assets | 0.7321% | 2,491 |
| Noninterest expense to average assets | 3.8451% | 1,043 |
| Loan and lease loss provision to assets | 0.1551% | 2,377 |
| Net operating income to assets | 0.3900% | 5,248 |
| Return on assets (ROA) | 0.4180% | 5,303 |
| Pretax return on assets | 0.4146% | 5,609 |
| Return on Equity (ROE) | 5.5424% | 4,433 |
| Retained earnings to average equity (ytd only) | 5.5424% | 2,712 |
| Net charge-offs to loans | 1.2111% | 475 |
| Credit loss provision to net charge-offs | 17.6508% | 3,772 |
| Earnings coverage of net charge-offs (x) | 0.6165% | 4,319 |
| Efficiency ratio | 87.4703% | 1,285 |
| Assets per employee ($millions) | 2.4634% | 6,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7928% | 711 |
| Loan loss allowance to noncurrent loans | 48.3602% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 6.2501% | 425 |
| Noncurrent loans to loans | 5.7750% | 517 |
| Net loans and leases to total assets | 70.8661% | 1,739 |
| Net loans and leases to deposits | 77.7413% | 2,600 |
| Net loans and leases to core deposits | 81.4861% | 2,861 |
| Total domestic deposits to total assets | 91.1563% | 492 |
| Equity capital to assets | 7.7212% | 6,356 |
| Core capital (leverage) ratio | 7.3102% | 6,528 |
| Tier 1 risk-based capital ratio | 12.1775% | 5,696 |
| Total risk-based capital ratio | 13.4540% | 5,622 |
| Memoranda: | ||
| Average total assets | $709,169,000 | 941 |
| Average earning assets | $621,980,330 | 989 |
| Average equity | $53,479,000 | 1,344 |
| Average total loans | $514,589,000 | 823 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8060% | 1,280 |
| Cost of funding earning assets | 0.7328% | 1,976 |
| Net interest margin | 4.0732% | 1,549 |
| Noninterest income to average assets | 0.7547% | 2,314 |
| Noninterest expense to average assets | 3.8793% | 1,021 |
| Loan and lease loss provision to assets | 0.3081% | 1,108 |
| Net operating income to assets | 0.1001% | 6,149 |
| Return on assets (ROA) | 0.1395% | 6,165 |
| Pretax return on assets | 0.1978% | 6,085 |
| Return on Equity (ROE) | 1.8718% | 5,982 |
| Retained earnings to average equity (ytd only) | 1.8718% | 5,060 |
| Net charge-offs to loans | 1.8697% | 250 |
| Credit loss provision to net charge-offs | 22.7649% | 2,998 |
| Earnings coverage of net charge-offs (x) | 0.3328% | 3,700 |
| Efficiency ratio | 89.4151% | 1,198 |
| Assets per employee ($millions) | 2.4850% | 6,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9223% | 715 |
| Loan loss allowance to noncurrent loans | 48.5763% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 6.2896% | 492 |
| Noncurrent loans to loans | 6.0159% | 551 |
| Net loans and leases to total assets | 70.0941% | 1,642 |
| Net loans and leases to deposits | 76.7949% | 2,515 |
| Net loans and leases to core deposits | 80.4756% | 2,748 |
| Total domestic deposits to total assets | 91.2744% | 420 |
| Equity capital to assets | 7.5191% | 6,588 |
| Core capital (leverage) ratio | 7.0362% | 6,632 |
| Tier 1 risk-based capital ratio | 11.8047% | 6,024 |
| Total risk-based capital ratio | 13.0827% | 5,987 |
| Memoranda: | ||
| Average total assets | $713,950,000 | 947 |
| Average earning assets | $626,627,500 | 989 |
| Average equity | $53,209,500 | 1,362 |
| Average total loans | $516,869,500 | 818 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1997% | 1,114 |
| Cost of funding earning assets | 0.8990% | 1,942 |
| Net interest margin | 4.3008% | 1,400 |
| Noninterest income to average assets | 0.6200% | 3,165 |
| Noninterest expense to average assets | 4.2219% | 751 |
| Loan and lease loss provision to assets | 0.6478% | 828 |
| Net operating income to assets | -0.8615% | 6,697 |
| Return on assets (ROA) | -0.7891% | 6,694 |
| Pretax return on assets | -0.4120% | 6,533 |
| Return on Equity (ROE) | -11.8326% | 6,761 |
| Retained earnings to average equity (ytd only) | -11.8326% | 6,693 |
| Net charge-offs to loans | 1.1428% | 909 |
| Credit loss provision to net charge-offs | 75.3532% | 3,995 |
| Earnings coverage of net charge-offs (x) | 0.1900% | 5,382 |
| Efficiency ratio | 96.0579% | 705 |
| Assets per employee ($millions) | 2.5163% | 6,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2181% | 541 |
| Loan loss allowance to noncurrent loans | 49.3150% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 6.6637% | 488 |
| Noncurrent loans to loans | 6.5255% | 515 |
| Net loans and leases to total assets | 70.2486% | 1,794 |
| Net loans and leases to deposits | 76.8252% | 2,679 |
| Net loans and leases to core deposits | 80.4053% | 2,955 |
| Total domestic deposits to total assets | 91.4395% | 352 |
| Equity capital to assets | 7.3876% | 6,675 |
| Core capital (leverage) ratio | 7.0847% | 6,677 |
| Tier 1 risk-based capital ratio | 11.5987% | 6,032 |
| Total risk-based capital ratio | 12.8816% | 5,977 |
| Memoranda: | ||
| Average total assets | $741,015,200 | 899 |
| Average earning assets | $648,747,200 | 927 |
| Average equity | $49,414,200 | 1,434 |
| Average total loans | $557,405,200 | 748 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2379% | 1,120 |
| Cost of funding earning assets | 0.9409% | 1,906 |
| Net interest margin | 4.2970% | 1,474 |
| Noninterest income to average assets | 0.6624% | 2,917 |
| Noninterest expense to average assets | 4.4042% | 600 |
| Loan and lease loss provision to assets | 0.7312% | 686 |
| Net operating income to assets | -1.1689% | 6,900 |
| Return on assets (ROA) | -1.1001% | 6,911 |
| Pretax return on assets | -0.6447% | 6,761 |
| Return on Equity (ROE) | -16.9371% | 6,958 |
| Retained earnings to average equity (ytd only) | -16.9371% | 6,937 |
| Net charge-offs to loans | 1.1504% | 874 |
| Credit loss provision to net charge-offs | 83.7871% | 3,503 |
| Earnings coverage of net charge-offs (x) | 0.0203% | 5,323 |
| Efficiency ratio | 99.3698% | 559 |
| Assets per employee ($millions) | 2.4526% | 6,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2631% | 570 |
| Loan loss allowance to noncurrent loans | 42.5726% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 7.4325% | 452 |
| Noncurrent loans to loans | 7.6649% | 431 |
| Net loans and leases to total assets | 73.5622% | 1,312 |
| Net loans and leases to deposits | 79.7356% | 2,432 |
| Net loans and leases to core deposits | 83.5479% | 2,751 |
| Total domestic deposits to total assets | 92.2577% | 177 |
| Equity capital to assets | 6.4555% | 6,944 |
| Core capital (leverage) ratio | 5.9369% | 6,952 |
| Tier 1 risk-based capital ratio | 9.4708% | 6,905 |
| Total risk-based capital ratio | 10.7539% | 6,890 |
| Memoranda: | ||
| Average total assets | $746,353,250 | 900 |
| Average earning assets | $652,994,000 | 929 |
| Average equity | $48,476,250 | 1,464 |
| Average total loans | $566,165,750 | 733 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2391% | 1,164 |
| Cost of funding earning assets | 0.9850% | 1,853 |
| Net interest margin | 4.2541% | 1,591 |
| Noninterest income to average assets | 0.6810% | 2,768 |
| Noninterest expense to average assets | 4.4690% | 567 |
| Loan and lease loss provision to assets | 0.8239% | 595 |
| Net operating income to assets | -1.3481% | 6,988 |
| Return on assets (ROA) | -1.2592% | 6,988 |
| Pretax return on assets | -0.8020% | 6,850 |
| Return on Equity (ROE) | -19.3508% | 7,029 |
| Retained earnings to average equity (ytd only) | -19.3508% | 7,004 |
| Net charge-offs to loans | 1.1964% | 905 |
| Credit loss provision to net charge-offs | 90.8457% | 3,026 |
| Earnings coverage of net charge-offs (x) | -0.0738% | 5,120 |
| Efficiency ratio | 101.2632% | 517 |
| Assets per employee ($millions) | 2.5303% | 6,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2602% | 613 |
| Loan loss allowance to noncurrent loans | 40.7117% | 5,625 |
| Noncurrent assets plus other real estate owned to assets | 7.7073% | 467 |
| Noncurrent loans to loans | 8.0081% | 431 |
| Net loans and leases to total assets | 73.8145% | 1,280 |
| Net loans and leases to deposits | 80.0038% | 2,382 |
| Net loans and leases to core deposits | 83.9173% | 2,699 |
| Total domestic deposits to total assets | 92.2638% | 191 |
| Equity capital to assets | 6.4714% | 6,985 |
| Core capital (leverage) ratio | 5.8193% | 7,006 |
| Tier 1 risk-based capital ratio | 9.3971% | 6,940 |
| Total risk-based capital ratio | 10.6801% | 6,930 |
| Memoranda: | ||
| Average total assets | $758,873,330 | 882 |
| Average earning assets | $663,777,330 | 918 |
| Average equity | $49,383,000 | 1,438 |
| Average total loans | $575,223,670 | 722 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3269% | 1,045 |
| Cost of funding earning assets | 1.0208% | 1,863 |
| Net interest margin | 4.3062% | 1,452 |
| Noninterest income to average assets | 0.6930% | 2,692 |
| Noninterest expense to average assets | 4.5840% | 510 |
| Loan and lease loss provision to assets | 1.0062% | 406 |
| Net operating income to assets | -1.2693% | 7,042 |
| Return on assets (ROA) | -1.2322% | 7,051 |
| Pretax return on assets | -1.0965% | 6,998 |
| Return on Equity (ROE) | -18.8861% | 7,099 |
| Retained earnings to average equity (ytd only) | -18.8861% | 7,031 |
| Net charge-offs to loans | 1.5699% | 636 |
| Credit loss provision to net charge-offs | 84.8195% | 2,643 |
| Earnings coverage of net charge-offs (x) | -0.1074% | 4,409 |
| Efficiency ratio | 102.6051% | 481 |
| Assets per employee ($millions) | 2.6075% | 6,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1426% | 720 |
| Loan loss allowance to noncurrent loans | 38.9052% | 5,681 |
| Noncurrent assets plus other real estate owned to assets | 7.9763% | 481 |
| Noncurrent loans to loans | 8.0777% | 477 |
| Net loans and leases to total assets | 72.2454% | 1,358 |
| Net loans and leases to deposits | 79.3942% | 2,286 |
| Net loans and leases to core deposits | 83.4689% | 2,609 |
| Total domestic deposits to total assets | 90.9959% | 558 |
| Equity capital to assets | 6.4090% | 7,031 |
| Core capital (leverage) ratio | 5.8318% | 7,054 |
| Tier 1 risk-based capital ratio | 9.3263% | 6,987 |
| Total risk-based capital ratio | 10.6071% | 6,986 |
| Memoranda: | ||
| Average total assets | $775,212,000 | 858 |
| Average earning assets | $677,538,000 | 898 |
| Average equity | $50,577,000 | 1,399 |
| Average total loans | $585,784,000 | 705 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7357% | 725 |
| Cost of funding earning assets | 1.2347% | 1,815 |
| Net interest margin | 4.5010% | 1,129 |
| Noninterest income to average assets | 0.6574% | 2,846 |
| Noninterest expense to average assets | 4.7550% | 475 |
| Loan and lease loss provision to assets | 0.9638% | 998 |
| Net operating income to assets | -0.8930% | 6,698 |
| Return on assets (ROA) | -0.8930% | 6,725 |
| Pretax return on assets | -1.1050% | 6,776 |
| Return on Equity (ROE) | -12.9283% | 6,836 |
| Retained earnings to average equity (ytd only) | -12.9283% | 6,810 |
| Net charge-offs to loans | 2.2463% | 562 |
| Credit loss provision to net charge-offs | 53.9740% | 5,320 |
| Earnings coverage of net charge-offs (x) | -0.0791% | 5,887 |
| Efficiency ratio | 91.9768% | 1,048 |
| Assets per employee ($millions) | 2.5530% | 6,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0745% | 761 |
| Loan loss allowance to noncurrent loans | 41.9443% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 7.5411% | 576 |
| Noncurrent loans to loans | 7.3300% | 590 |
| Net loans and leases to total assets | 74.1715% | 1,245 |
| Net loans and leases to deposits | 81.7114% | 2,243 |
| Net loans and leases to core deposits | 86.0268% | 2,632 |
| Total domestic deposits to total assets | 90.7725% | 598 |
| Equity capital to assets | 6.6378% | 7,032 |
| Core capital (leverage) ratio | 5.9873% | 7,059 |
| Tier 1 risk-based capital ratio | 9.2843% | 6,993 |
| Total risk-based capital ratio | 10.5641% | 6,985 |
| Memoranda: | ||
| Average total assets | $825,825,000 | 789 |
| Average earning assets | $725,907,400 | 819 |
| Average equity | $57,045,200 | 1,193 |
| Average total loans | $656,449,600 | 630 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7188% | 823 |
| Cost of funding earning assets | 1.3113% | 1,641 |
| Net interest margin | 4.4075% | 1,385 |
| Noninterest income to average assets | 0.6447% | 2,917 |
| Noninterest expense to average assets | 4.1799% | 816 |
| Loan and lease loss provision to assets | 0.9969% | 868 |
| Net operating income to assets | -0.4088% | 6,589 |
| Return on assets (ROA) | -0.4088% | 6,637 |
| Pretax return on assets | -0.6544% | 6,713 |
| Return on Equity (ROE) | -5.8641% | 6,709 |
| Retained earnings to average equity (ytd only) | -5.8641% | 6,636 |
| Net charge-offs to loans | 2.7870% | 362 |
| Credit loss provision to net charge-offs | 44.6108% | 5,155 |
| Earnings coverage of net charge-offs (x) | 0.1533% | 5,493 |
| Efficiency ratio | 92.1484% | 1,026 |
| Assets per employee ($millions) | 2.5075% | 6,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7631% | 1,065 |
| Loan loss allowance to noncurrent loans | 37.0212% | 5,816 |
| Noncurrent assets plus other real estate owned to assets | 7.1331% | 684 |
| Noncurrent loans to loans | 7.4637% | 634 |
| Net loans and leases to total assets | 75.5885% | 1,041 |
| Net loans and leases to deposits | 83.5648% | 2,074 |
| Net loans and leases to core deposits | 88.0589% | 2,480 |
| Total domestic deposits to total assets | 90.4550% | 655 |
| Equity capital to assets | 6.9789% | 7,060 |
| Core capital (leverage) ratio | 5.9393% | 7,148 |
| Tier 1 risk-based capital ratio | 9.0330% | 7,110 |
| Total risk-based capital ratio | 10.3082% | 7,104 |
| Memoranda: | ||
| Average total assets | $836,978,500 | 788 |
| Average earning assets | $736,355,000 | 812 |
| Average equity | $58,342,750 | 1,163 |
| Average total loans | $671,108,000 | 619 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7650% | 776 |
| Cost of funding earning assets | 1.3557% | 1,620 |
| Net interest margin | 4.4093% | 1,342 |
| Noninterest income to average assets | 0.6213% | 2,998 |
| Noninterest expense to average assets | 4.0168% | 1,025 |
| Loan and lease loss provision to assets | 0.8173% | 1,123 |
| Net operating income to assets | -0.1991% | 6,470 |
| Return on assets (ROA) | -0.1991% | 6,508 |
| Pretax return on assets | -0.3267% | 6,547 |
| Return on Equity (ROE) | -2.8567% | 6,582 |
| Retained earnings to average equity (ytd only) | -2.8567% | 6,360 |
| Net charge-offs to loans | 2.8986% | 369 |
| Credit loss provision to net charge-offs | 34.8242% | 4,909 |
| Earnings coverage of net charge-offs (x) | 0.2090% | 5,154 |
| Efficiency ratio | 88.8125% | 1,341 |
| Assets per employee ($millions) | 2.4722% | 6,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8158% | 1,067 |
| Loan loss allowance to noncurrent loans | 41.2291% | 5,562 |
| Noncurrent assets plus other real estate owned to assets | 6.8821% | 751 |
| Noncurrent loans to loans | 6.8296% | 775 |
| Net loans and leases to total assets | 78.6220% | 694 |
| Net loans and leases to deposits | 86.9891% | 1,649 |
| Net loans and leases to core deposits | 92.0861% | 2,115 |
| Total domestic deposits to total assets | 90.3815% | 771 |
| Equity capital to assets | 7.0921% | 7,079 |
| Core capital (leverage) ratio | 5.9735% | 7,196 |
| Tier 1 risk-based capital ratio | 8.9350% | 7,183 |
| Total risk-based capital ratio | 10.2111% | 7,180 |
| Memoranda: | ||
| Average total assets | $845,995,000 | 786 |
| Average earning assets | $745,598,330 | 813 |
| Average equity | $58,949,000 | 1,137 |
| Average total loans | $684,940,670 | 617 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7924% | 748 |
| Cost of funding earning assets | 1.3927% | 1,646 |
| Net interest margin | 4.3997% | 1,277 |
| Noninterest income to average assets | 0.6136% | 3,075 |
| Noninterest expense to average assets | 3.5369% | 1,915 |
| Loan and lease loss provision to assets | 0.5334% | 1,629 |
| Net operating income to assets | 0.3187% | 5,313 |
| Return on assets (ROA) | 0.3187% | 5,393 |
| Pretax return on assets | 0.4300% | 5,246 |
| Return on Equity (ROE) | 4.6124% | 4,592 |
| Retained earnings to average equity (ytd only) | 4.6124% | 3,420 |
| Net charge-offs to loans | 3.8262% | 245 |
| Credit loss provision to net charge-offs | 17.2129% | 4,292 |
| Earnings coverage of net charge-offs (x) | 0.3109% | 4,384 |
| Efficiency ratio | 78.2919% | 2,800 |
| Assets per employee ($millions) | 2.5960% | 6,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8784% | 1,031 |
| Loan loss allowance to noncurrent loans | 45.3664% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 6.5809% | 839 |
| Noncurrent loans to loans | 6.3447% | 966 |
| Net loans and leases to total assets | 76.7379% | 918 |
| Net loans and leases to deposits | 84.6899% | 1,930 |
| Net loans and leases to core deposits | 90.2108% | 2,324 |
| Total domestic deposits to total assets | 90.6104% | 792 |
| Equity capital to assets | 6.9024% | 7,117 |
| Core capital (leverage) ratio | 6.0378% | 7,243 |
| Tier 1 risk-based capital ratio | 8.8870% | 7,230 |
| Total risk-based capital ratio | 10.1635% | 7,234 |
| Memoranda: | ||
| Average total assets | $858,607,500 | 778 |
| Average earning assets | $758,507,000 | 806 |
| Average equity | $59,318,500 | 1,117 |
| Average total loans | $695,409,500 | 617 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3575% | 413 |
| Cost of funding earning assets | 1.7470% | 1,388 |
| Net interest margin | 4.6105% | 993 |
| Noninterest income to average assets | 0.6665% | 3,042 |
| Noninterest expense to average assets | 3.6898% | 1,724 |
| Loan and lease loss provision to assets | 2.6046% | 417 |
| Net operating income to assets | -0.9939% | 6,678 |
| Return on assets (ROA) | -0.9939% | 6,722 |
| Pretax return on assets | -1.5648% | 6,877 |
| Return on Equity (ROE) | -13.0202% | 6,842 |
| Retained earnings to average equity (ytd only) | -13.0202% | 6,797 |
| Net charge-offs to loans | 2.1477% | 912 |
| Credit loss provision to net charge-offs | 140.4100% | 2,690 |
| Earnings coverage of net charge-offs (x) | 0.5606% | 5,551 |
| Efficiency ratio | 77.6915% | 2,759 |
| Assets per employee ($millions) | 2.4575% | 7,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5341% | 587 |
| Loan loss allowance to noncurrent loans | 52.6910% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 7.0148% | 778 |
| Noncurrent loans to loans | 6.7072% | 868 |
| Net loans and leases to total assets | 80.0672% | 655 |
| Net loans and leases to deposits | 89.0327% | 1,644 |
| Net loans and leases to core deposits | 94.7315% | 2,166 |
| Total domestic deposits to total assets | 89.9301% | 1,142 |
| Equity capital to assets | 6.9151% | 7,139 |
| Core capital (leverage) ratio | 5.9991% | 7,302 |
| Tier 1 risk-based capital ratio | 8.5007% | 7,303 |
| Total risk-based capital ratio | 9.7880% | 7,308 |
| Memoranda: | ||
| Average total assets | $857,256,200 | 789 |
| Average earning assets | $755,464,200 | 806 |
| Average equity | $65,437,000 | 1,024 |
| Average total loans | $740,413,400 | 590 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3879% | 426 |
| Cost of funding earning assets | 1.8161% | 1,357 |
| Net interest margin | 4.5718% | 1,106 |
| Noninterest income to average assets | 0.6555% | 3,095 |
| Noninterest expense to average assets | 3.4298% | 2,208 |
| Loan and lease loss provision to assets | 2.0784% | 560 |
| Net operating income to assets | -0.5329% | 6,617 |
| Return on assets (ROA) | -0.5329% | 6,666 |
| Pretax return on assets | -0.8293% | 6,757 |
| Return on Equity (ROE) | -6.8222% | 6,780 |
| Retained earnings to average equity (ytd only) | -6.8222% | 6,703 |
| Net charge-offs to loans | 1.7578% | 1,110 |
| Credit loss provision to net charge-offs | 135.5862% | 2,964 |
| Earnings coverage of net charge-offs (x) | 0.8149% | 5,239 |
| Efficiency ratio | 72.9642% | 3,535 |
| Assets per employee ($millions) | 2.4024% | 7,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0183% | 810 |
| Loan loss allowance to noncurrent loans | 52.8417% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 6.0247% | 985 |
| Noncurrent loans to loans | 5.7119% | 1,142 |
| Net loans and leases to total assets | 83.7338% | 347 |
| Net loans and leases to deposits | 93.8223% | 1,220 |
| Net loans and leases to core deposits | 100.1393% | 1,833 |
| Total domestic deposits to total assets | 89.2473% | 1,253 |
| Equity capital to assets | 7.5600% | 7,089 |
| Core capital (leverage) ratio | 6.7829% | 7,259 |
| Tier 1 risk-based capital ratio | 9.1327% | 7,340 |
| Total risk-based capital ratio | 10.4108% | 7,347 |
| Memoranda: | ||
| Average total assets | $858,380,500 | 786 |
| Average earning assets | $755,430,250 | 809 |
| Average equity | $67,054,000 | 998 |
| Average total loans | $748,568,250 | 583 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4720% | 354 |
| Cost of funding earning assets | 1.8931% | 1,265 |
| Net interest margin | 4.5789% | 1,041 |
| Noninterest income to average assets | 0.6342% | 3,101 |
| Noninterest expense to average assets | 3.4487% | 2,147 |
| Loan and lease loss provision to assets | 0.9143% | 1,590 |
| Net operating income to assets | 0.2256% | 5,479 |
| Return on assets (ROA) | 0.2256% | 5,610 |
| Pretax return on assets | 0.3103% | 5,468 |
| Return on Equity (ROE) | 2.8574% | 5,303 |
| Retained earnings to average equity (ytd only) | 2.8574% | 4,324 |
| Net charge-offs to loans | 1.6183% | 1,173 |
| Credit loss provision to net charge-offs | 64.5796% | 5,106 |
| Earnings coverage of net charge-offs (x) | 0.8649% | 4,899 |
| Efficiency ratio | 73.4333% | 3,572 |
| Assets per employee ($millions) | 2.4281% | 7,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2195% | 1,723 |
| Loan loss allowance to noncurrent loans | 50.8907% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 4.9082% | 1,319 |
| Noncurrent loans to loans | 4.3613% | 1,691 |
| Net loans and leases to total assets | 84.1965% | 337 |
| Net loans and leases to deposits | 94.9025% | 1,164 |
| Net loans and leases to core deposits | 102.0356% | 1,825 |
| Total domestic deposits to total assets | 88.7190% | 1,590 |
| Equity capital to assets | 7.9697% | 6,787 |
| Core capital (leverage) ratio | 7.2681% | 7,020 |
| Tier 1 risk-based capital ratio | 9.8071% | 7,128 |
| Total risk-based capital ratio | 11.0736% | 7,102 |
| Memoranda: | ||
| Average total assets | $861,822,330 | 785 |
| Average earning assets | $760,233,330 | 809 |
| Average equity | $68,034,330 | 975 |
| Average total loans | $754,021,330 | 575 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4277% | 410 |
| Cost of funding earning assets | 1.9594% | 1,214 |
| Net interest margin | 4.4683% | 1,212 |
| Noninterest income to average assets | 0.6327% | 3,062 |
| Noninterest expense to average assets | 3.2933% | 2,551 |
| Loan and lease loss provision to assets | 0.9224% | 1,376 |
| Net operating income to assets | 0.2591% | 5,457 |
| Return on assets (ROA) | 0.2591% | 5,585 |
| Pretax return on assets | 0.3639% | 5,401 |
| Return on Equity (ROE) | 3.2979% | 5,206 |
| Retained earnings to average equity (ytd only) | 3.2979% | 4,166 |
| Net charge-offs to loans | 0.6550% | 2,187 |
| Credit loss provision to net charge-offs | 159.7111% | 2,255 |
| Earnings coverage of net charge-offs (x) | 2.2271% | 3,425 |
| Efficiency ratio | 71.5486% | 4,009 |
| Assets per employee ($millions) | 2.4516% | 7,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5492% | 1,234 |
| Loan loss allowance to noncurrent loans | 62.2729% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 4.4961% | 1,499 |
| Noncurrent loans to loans | 4.0935% | 1,893 |
| Net loans and leases to total assets | 85.1558% | 277 |
| Net loans and leases to deposits | 95.8853% | 1,119 |
| Net loans and leases to core deposits | 104.7743% | 1,678 |
| Total domestic deposits to total assets | 88.8100% | 1,611 |
| Equity capital to assets | 7.8436% | 6,816 |
| Core capital (leverage) ratio | 7.0959% | 7,176 |
| Tier 1 risk-based capital ratio | 9.4224% | 7,340 |
| Total risk-based capital ratio | 10.6937% | 7,330 |
| Memoranda: | ||
| Average total assets | $862,963,500 | 795 |
| Average earning assets | $762,262,000 | 823 |
| Average equity | $67,800,000 | 980 |
| Average total loans | $760,967,000 | 595 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8012% | 381 |
| Cost of funding earning assets | 2.4002% | 1,302 |
| Net interest margin | 4.4010% | 1,426 |
| Noninterest income to average assets | 0.6060% | 3,584 |
| Noninterest expense to average assets | 3.4551% | 2,510 |
| Loan and lease loss provision to assets | 1.5390% | 1,498 |
| Net operating income to assets | -0.2905% | 5,958 |
| Return on assets (ROA) | -0.2905% | 5,957 |
| Pretax return on assets | -0.4811% | 5,994 |
| Return on Equity (ROE) | -3.4865% | 6,052 |
| Retained earnings to average equity (ytd only) | -4.2057% | 5,900 |
| Net charge-offs to loans | 0.1550% | 5,713 |
| Credit loss provision to net charge-offs | 1,109.8531% | 268 |
| Earnings coverage of net charge-offs (x) | 7.6292% | 2,112 |
| Efficiency ratio | 76.1439% | 3,499 |
| Assets per employee ($millions) | 2.4308% | 7,314 |
| Cash dividends to net income (ytd only)* | -20.6271% | 7,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4344% | 1,313 |
| Loan loss allowance to noncurrent loans | 65.0203% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 3.9893% | 1,655 |
| Noncurrent loans to loans | 3.7440% | 2,002 |
| Net loans and leases to total assets | 86.8209% | 229 |
| Net loans and leases to deposits | 97.8755% | 1,118 |
| Net loans and leases to core deposits | 133.4524% | 1,091 |
| Total domestic deposits to total assets | 88.7054% | 1,624 |
| Equity capital to assets | 7.8699% | 6,701 |
| Core capital (leverage) ratio | 7.0695% | 7,179 |
| Tier 1 risk-based capital ratio | 9.3228% | 7,317 |
| Total risk-based capital ratio | 10.5928% | 7,290 |
| Memoranda: | ||
| Average total assets | $834,358,400 | 813 |
| Average earning assets | $740,718,400 | 841 |
| Average equity | $69,524,600 | 939 |
| Average total loans | $746,375,800 | 616 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8097% | 409 |
| Cost of funding earning assets | 2.4828% | 1,358 |
| Net interest margin | 4.3269% | 1,655 |
| Noninterest income to average assets | 0.6039% | 3,671 |
| Noninterest expense to average assets | 3.4101% | 2,548 |
| Loan and lease loss provision to assets | 2.0549% | 868 |
| Net operating income to assets | -0.6431% | 6,563 |
| Return on assets (ROA) | -0.6431% | 6,568 |
| Pretax return on assets | -1.0139% | 6,700 |
| Return on Equity (ROE) | -7.6087% | 6,703 |
| Retained earnings to average equity (ytd only) | -8.5607% | 6,663 |
| Net charge-offs to loans | 0.1472% | 5,229 |
| Credit loss provision to net charge-offs | 1,558.9744% | 249 |
| Earnings coverage of net charge-offs (x) | 7.8975% | 2,330 |
| Efficiency ratio | 76.1824% | 3,480 |
| Assets per employee ($millions) | 2.3834% | 7,399 |
| Cash dividends to net income (ytd only)* | -12.5125% | 7,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4673% | 1,096 |
| Loan loss allowance to noncurrent loans | 91.4262% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 3.1111% | 2,200 |
| Noncurrent loans to loans | 2.6986% | 2,810 |
| Net loans and leases to total assets | 88.0815% | 201 |
| Net loans and leases to deposits | 99.3778% | 1,169 |
| Net loans and leases to core deposits | 135.9831% | 1,099 |
| Total domestic deposits to total assets | 88.6330% | 1,372 |
| Equity capital to assets | 7.7969% | 7,046 |
| Core capital (leverage) ratio | 7.0584% | 7,395 |
| Tier 1 risk-based capital ratio | 9.1365% | 7,567 |
| Total risk-based capital ratio | 10.4069% | 7,564 |
| Memoranda: | ||
| Average total assets | $828,431,000 | 827 |
| Average earning assets | $736,580,500 | 858 |
| Average equity | $70,023,500 | 946 |
| Average total loans | $742,077,250 | 637 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8562% | 405 |
| Cost of funding earning assets | 2.5590% | 1,408 |
| Net interest margin | 4.2972% | 1,663 |
| Noninterest income to average assets | 0.6067% | 3,640 |
| Noninterest expense to average assets | 3.4561% | 2,477 |
| Loan and lease loss provision to assets | 0.2354% | 4,709 |
| Net operating income to assets | 0.5172% | 4,027 |
| Return on assets (ROA) | 0.5172% | 4,139 |
| Pretax return on assets | 0.7436% | 3,853 |
| Return on Equity (ROE) | 5.9601% | 3,667 |
| Retained earnings to average equity (ytd only) | 5.2596% | 2,365 |
| Net charge-offs to loans | 0.1366% | 4,801 |
| Credit loss provision to net charge-offs | 192.8287% | 2,370 |
| Earnings coverage of net charge-offs (x) | 8.0199% | 2,333 |
| Efficiency ratio | 77.4726% | 3,425 |
| Assets per employee ($millions) | 2.3584% | 7,482 |
| Cash dividends to net income (ytd only)* | 11.7536% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 6,348 |
| Loan loss allowance to noncurrent loans | 60.7935% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 2.0463% | 3,134 |
| Noncurrent loans to loans | 1.6213% | 4,063 |
| Net loans and leases to total assets | 88.1818% | 226 |
| Net loans and leases to deposits | 100.4459% | 1,245 |
| Net loans and leases to core deposits | 135.5312% | 1,239 |
| Total domestic deposits to total assets | 87.7903% | 1,877 |
| Equity capital to assets | 8.6156% | 5,873 |
| Core capital (leverage) ratio | 8.0537% | 6,237 |
| Tier 1 risk-based capital ratio | 10.4153% | 6,459 |
| Total risk-based capital ratio | 11.5483% | 6,531 |
| Memoranda: | ||
| Average total assets | $822,534,000 | 853 |
| Average earning assets | $732,794,670 | 875 |
| Average equity | $71,374,330 | 941 |
| Average total loans | $734,726,330 | 665 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8245% | 461 |
| Cost of funding earning assets | 2.6448% | 1,429 |
| Net interest margin | 4.1796% | 1,978 |
| Noninterest income to average assets | 0.5725% | 3,739 |
| Noninterest expense to average assets | 3.3194% | 2,601 |
| Loan and lease loss provision to assets | 0.2054% | 4,390 |
| Net operating income to assets | 0.5425% | 4,251 |
| Return on assets (ROA) | 0.5425% | 4,433 |
| Pretax return on assets | 0.7813% | 4,146 |
| Return on Equity (ROE) | 6.2291% | 3,942 |
| Retained earnings to average equity (ytd only) | 6.2291% | 2,538 |
| Net charge-offs to loans | 0.1104% | 4,085 |
| Credit loss provision to net charge-offs | 207.9602% | 2,152 |
| Earnings coverage of net charge-offs (x) | 9.9900% | 1,991 |
| Efficiency ratio | 76.5834% | 3,393 |
| Assets per employee ($millions) | 2.2862% | 7,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9685% | 6,377 |
| Loan loss allowance to noncurrent loans | 77.6978% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 1.5942% | 3,527 |
| Noncurrent loans to loans | 1.2465% | 4,477 |
| Net loans and leases to total assets | 88.7148% | 213 |
| Net loans and leases to deposits | 101.1837% | 1,262 |
| Net loans and leases to core deposits | 133.0501% | 1,475 |
| Total domestic deposits to total assets | 87.6770% | 1,895 |
| Equity capital to assets | 8.6887% | 5,782 |
| Core capital (leverage) ratio | 8.1981% | 6,108 |
| Tier 1 risk-based capital ratio | 10.3630% | 6,530 |
| Total risk-based capital ratio | 11.4695% | 6,607 |
| Memoranda: | ||
| Average total assets | $814,000,000 | 870 |
| Average earning assets | $727,150,000 | 877 |
| Average equity | $70,893,000 | 951 |
| Average total loans | $728,216,500 | 680 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4968% | 412 |
| Cost of funding earning assets | 3.1462% | 1,366 |
| Net interest margin | 4.3506% | 1,824 |
| Noninterest income to average assets | 0.6712% | 3,314 |
| Noninterest expense to average assets | 3.3416% | 2,834 |
| Loan and lease loss provision to assets | 0.1911% | 4,970 |
| Net operating income to assets | 0.7055% | 3,872 |
| Return on assets (ROA) | 0.7055% | 3,703 |
| Pretax return on assets | 1.0073% | 3,359 |
| Return on Equity (ROE) | 8.4141% | 2,883 |
| Retained earnings to average equity (ytd only) | 8.4141% | 727 |
| Net charge-offs to loans | 0.1740% | 4,460 |
| Credit loss provision to net charge-offs | 123.3553% | 4,353 |
| Earnings coverage of net charge-offs (x) | 7.7344% | 3,032 |
| Efficiency ratio | 73.0521% | 3,739 |
| Assets per employee ($millions) | 2.2116% | 7,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9573% | 6,361 |
| Loan loss allowance to noncurrent loans | 107.0886% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 1.1079% | 4,062 |
| Noncurrent loans to loans | 0.8940% | 4,834 |
| Net loans and leases to total assets | 88.4833% | 323 |
| Net loans and leases to deposits | 101.0808% | 1,697 |
| Net loans and leases to core deposits | 132.0468% | 1,720 |
| Total domestic deposits to total assets | 87.5372% | 1,695 |
| Equity capital to assets | 8.7300% | 5,760 |
| Core capital (leverage) ratio | 8.3494% | 5,852 |
| Tier 1 risk-based capital ratio | 10.2839% | 6,437 |
| Total risk-based capital ratio | 11.3630% | 6,476 |
| Memoranda: | ||
| Average total assets | $784,732,600 | 863 |
| Average earning assets | $697,859,800 | 874 |
| Average equity | $65,794,400 | 1,015 |
| Average total loans | $698,953,000 | 679 |