Home > Northeast Bank > Performance and Condition Ratios
Northeast Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5746% | 98 |
| Cost of funding earning assets | 3.5106% | 74 |
| Net interest margin | 5.0640% | 288 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.1388% | 3,302 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.8683% | 552 |
| Return on assets (ROA) | 1.8702% | 533 |
| Pretax return on assets | 2.8509% | 236 |
| Return on Equity (ROE) | 18.1500% | 799 |
| Retained earnings to average equity (ytd only) | 18.0460% | 191 |
| Net charge-offs to loans | 0.1092% | 855 |
| Credit loss provision to net charge-offs | 63.3671% | 2,128 |
| Earnings coverage of net charge-offs (x) | 30.2518% | 1,633 |
| Efficiency ratio | 42.3688% | 4,307 |
| Assets per employee ($millions) | 16.0485% | 170 |
| Cash dividends to net income (ytd only)* | 0.5629% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0568% | 3,037 |
| Loan loss allowance to noncurrent loans | 89.6724% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 1.0365% | 469 |
| Noncurrent loans to loans | 1.1785% | 609 |
| Net loans and leases to total assets | 87.0200% | 117 |
| Net loans and leases to deposits | 120.1059% | 85 |
| Net loans and leases to core deposits | 201.5508% | 77 |
| Total domestic deposits to total assets | 72.4500% | 4,203 |
| Equity capital to assets | 11.0321% | 1,461 |
| Core capital (leverage) ratio | 11.2759% | 1,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7063% | 1,978 |
| Memoranda: | ||
| Average total assets | $2,878,254,400 | 408 |
| Average earning assets | $2,774,890,400 | 385 |
| Average equity | $296,613,600 | 401 |
| Average total loans | $2,534,836,000 | 339 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4163% | 101 |
| Cost of funding earning assets | 3.4035% | 69 |
| Net interest margin | 5.0128% | 301 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 2.1284% | 3,274 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.8630% | 588 |
| Return on assets (ROA) | 1.8572% | 584 |
| Pretax return on assets | 2.7871% | 285 |
| Return on Equity (ROE) | 18.3600% | 902 |
| Retained earnings to average equity (ytd only) | 18.2552% | 328 |
| Net charge-offs to loans | 0.0940% | 823 |
| Credit loss provision to net charge-offs | 74.3937% | 1,780 |
| Earnings coverage of net charge-offs (x) | 34.5008% | 1,523 |
| Efficiency ratio | 42.7006% | 4,287 |
| Assets per employee ($millions) | 15.3821% | 181 |
| Cash dividends to net income (ytd only)* | 0.5606% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 3,364 |
| Loan loss allowance to noncurrent loans | 145.0195% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.6066% | 969 |
| Noncurrent loans to loans | 0.6901% | 1,192 |
| Net loans and leases to total assets | 87.0100% | 119 |
| Net loans and leases to deposits | 125.3651% | 58 |
| Net loans and leases to core deposits | 207.8174% | 37 |
| Total domestic deposits to total assets | 69.4100% | 4,339 |
| Equity capital to assets | 10.8317% | 1,415 |
| Core capital (leverage) ratio | 10.9497% | 2,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4610% | 2,093 |
| Memoranda: | ||
| Average total assets | $2,855,574,000 | 412 |
| Average earning assets | $2,753,363,000 | 392 |
| Average equity | $288,882,000 | 410 |
| Average total loans | $2,515,780,500 | 343 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0775% | 103 |
| Cost of funding earning assets | 3.2506% | 54 |
| Net interest margin | 4.8269% | 389 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 2.1336% | 3,257 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.7274% | 744 |
| Return on assets (ROA) | 1.7273% | 748 |
| Pretax return on assets | 2.6235% | 304 |
| Return on Equity (ROE) | 17.4900% | 1,022 |
| Retained earnings to average equity (ytd only) | 17.3852% | 376 |
| Net charge-offs to loans | 0.0186% | 1,529 |
| Credit loss provision to net charge-offs | 482.0513% | 665 |
| Earnings coverage of net charge-offs (x) | 164.5128% | 705 |
| Efficiency ratio | 44.1156% | 4,250 |
| Assets per employee ($millions) | 15.2656% | 187 |
| Cash dividends to net income (ytd only)* | 0.6016% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2898% | 4,481 |
| Loan loss allowance to noncurrent loans | 46.5727% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 0.5465% | 994 |
| Noncurrent loans to loans | 0.6223% | 1,199 |
| Net loans and leases to total assets | 87.5600% | 97 |
| Net loans and leases to deposits | 128.1955% | 60 |
| Net loans and leases to core deposits | 205.5779% | 38 |
| Total domestic deposits to total assets | 68.3100% | 4,404 |
| Equity capital to assets | 10.3369% | 1,667 |
| Core capital (leverage) ratio | 10.3810% | 2,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2984% | 2,536 |
| Memoranda: | ||
| Average total assets | $2,848,611,667 | 401 |
| Average earning assets | $2,750,995,000 | 381 |
| Average equity | $281,319,667 | 409 |
| Average total loans | $2,511,637,333 | 327 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7766% | 69 |
| Cost of funding earning assets | 3.0775% | 27 |
| Net interest margin | 4.6991% | 443 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 1.9723% | 3,686 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.7553% | 742 |
| Return on assets (ROA) | 1.7642% | 718 |
| Pretax return on assets | 2.6660% | 299 |
| Return on Equity (ROE) | 18.3000% | 985 |
| Retained earnings to average equity (ytd only) | 18.1898% | 497 |
| Net charge-offs to loans | -0.0008% | 3,299 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 41.7652% | 4,394 |
| Assets per employee ($millions) | 16.0138% | 165 |
| Cash dividends to net income (ytd only)* | 0.5832% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2826% | 4,545 |
| Loan loss allowance to noncurrent loans | 48.8362% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 0.5066% | 1,023 |
| Noncurrent loans to loans | 0.5786% | 1,288 |
| Net loans and leases to total assets | 87.3100% | 94 |
| Net loans and leases to deposits | 116.3937% | 113 |
| Net loans and leases to core deposits | 193.9094% | 39 |
| Total domestic deposits to total assets | 75.0100% | 4,220 |
| Equity capital to assets | 9.9031% | 1,868 |
| Core capital (leverage) ratio | 10.0634% | 2,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8894% | 2,760 |
| Memoranda: | ||
| Average total assets | $2,837,948,500 | 415 |
| Average earning assets | $2,744,342,500 | 392 |
| Average equity | $273,648,000 | 426 |
| Average total loans | $2,507,276,000 | 339 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3950% | 75 |
| Cost of funding earning assets | 0.9047% | 247 |
| Net interest margin | 5.4903% | 87 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 2.7693% | 1,386 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.2365% | 201 |
| Return on assets (ROA) | 2.2087% | 201 |
| Pretax return on assets | 3.2136% | 114 |
| Return on Equity (ROE) | 16.1800% | 1,021 |
| Retained earnings to average equity (ytd only) | 16.0597% | 223 |
| Net charge-offs to loans | -0.0235% | 4,112 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 46.0122% | 4,344 |
| Assets per employee ($millions) | 16.5260% | 154 |
| Cash dividends to net income (ytd only)* | 0.7389% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2560% | 4,565 |
| Loan loss allowance to noncurrent loans | 49.7015% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 0.4591% | 1,104 |
| Noncurrent loans to loans | 0.5150% | 1,415 |
| Net loans and leases to total assets | 88.9300% | 51 |
| Net loans and leases to deposits | 110.9650% | 143 |
| Net loans and leases to core deposits | 189.1912% | 28 |
| Total domestic deposits to total assets | 80.1400% | 3,860 |
| Equity capital to assets | 9.3766% | 2,093 |
| Core capital (leverage) ratio | 12.5266% | 1,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1047% | 2,953 |
| Memoranda: | ||
| Average total assets | $1,832,238,200 | 596 |
| Average earning assets | $1,766,260,000 | 573 |
| Average equity | $250,123,200 | 439 |
| Average total loans | $1,537,470,400 | 465 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4318% | 58 |
| Cost of funding earning assets | 0.4823% | 830 |
| Net interest margin | 5.9495% | 50 |
| Noninterest income to average assets | 1.0000% | 662 |
| Noninterest expense to average assets | 3.0989% | 788 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 2.4927% | 157 |
| Return on assets (ROA) | 2.4492% | 158 |
| Pretax return on assets | 3.5984% | 103 |
| Return on Equity (ROE) | 15.7600% | 1,023 |
| Retained earnings to average equity (ytd only) | 15.6373% | 306 |
| Net charge-offs to loans | -0.0179% | 3,955 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 46.0750% | 4,374 |
| Assets per employee ($millions) | 10.2526% | 603 |
| Cash dividends to net income (ytd only)* | 0.7713% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4028% | 4,540 |
| Loan loss allowance to noncurrent loans | 43.3772% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 0.7853% | 637 |
| Noncurrent loans to loans | 0.9286% | 842 |
| Net loans and leases to total assets | 83.6700% | 272 |
| Net loans and leases to deposits | 108.4407% | 144 |
| Net loans and leases to core deposits | 110.4453% | 454 |
| Total domestic deposits to total assets | 77.1600% | 4,311 |
| Equity capital to assets | 14.4676% | 511 |
| Core capital (leverage) ratio | 15.5878% | 485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7661% | 1,033 |
| Memoranda: | ||
| Average total assets | $1,587,943,250 | 680 |
| Average earning assets | $1,528,798,750 | 649 |
| Average equity | $246,797,250 | 450 |
| Average total loans | $1,295,648,750 | 537 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3412% | 54 |
| Cost of funding earning assets | 0.3131% | 1,593 |
| Net interest margin | 6.0281% | 46 |
| Noninterest income to average assets | 1.2804% | 436 |
| Noninterest expense to average assets | 3.1378% | 687 |
| Loan and lease loss provision to assets | -0.1519% | 4,649 |
| Net operating income to assets | 2.7637% | 82 |
| Return on assets (ROA) | 2.7187% | 83 |
| Pretax return on assets | 4.0399% | 52 |
| Return on Equity (ROE) | 17.0467% | 565 |
| Retained earnings to average equity (ytd only) | 16.9226% | 153 |
| Net charge-offs to loans | -0.0250% | 3,976 |
| Credit loss provision to net charge-offs | 752.9032% | 488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3021% | 4,514 |
| Assets per employee ($millions) | 9.2559% | 817 |
| Cash dividends to net income (ytd only)* | 0.7279% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3853% | 4,623 |
| Loan loss allowance to noncurrent loans | 38.8383% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 0.8179% | 636 |
| Noncurrent loans to loans | 0.9921% | 844 |
| Net loans and leases to total assets | 82.1248% | 280 |
| Net loans and leases to deposits | 99.7867% | 280 |
| Net loans and leases to core deposits | 100.6293% | 648 |
| Total domestic deposits to total assets | 82.3003% | 3,968 |
| Equity capital to assets | 15.6891% | 352 |
| Core capital (leverage) ratio | 16.1334% | 365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4671% | 788 |
| Memoranda: | ||
| Average total assets | $1,536,276,667 | 687 |
| Average earning assets | $1,478,779,667 | 668 |
| Average equity | $245,009,000 | 453 |
| Average total loans | $1,239,458,333 | 551 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0554% | 67 |
| Cost of funding earning assets | 0.2916% | 1,734 |
| Net interest margin | 5.7638% | 56 |
| Noninterest income to average assets | 1.5225% | 348 |
| Noninterest expense to average assets | 3.0387% | 775 |
| Loan and lease loss provision to assets | -0.0759% | 4,561 |
| Net operating income to assets | 2.8528% | 85 |
| Return on assets (ROA) | 2.7989% | 84 |
| Pretax return on assets | 4.0306% | 61 |
| Return on Equity (ROE) | 17.4019% | 379 |
| Retained earnings to average equity (ytd only) | 17.2770% | 165 |
| Net charge-offs to loans | -0.0209% | 3,938 |
| Credit loss provision to net charge-offs | 455.5556% | 547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0310% | 4,582 |
| Assets per employee ($millions) | 9.3779% | 800 |
| Cash dividends to net income (ytd only)* | 0.7179% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4720% | 4,609 |
| Loan loss allowance to noncurrent loans | 32.4699% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 1.1437% | 395 |
| Noncurrent loans to loans | 1.4535% | 574 |
| Net loans and leases to total assets | 78.3153% | 355 |
| Net loans and leases to deposits | 95.4827% | 297 |
| Net loans and leases to core deposits | 95.9388% | 660 |
| Total domestic deposits to total assets | 82.0204% | 4,072 |
| Equity capital to assets | 15.8014% | 330 |
| Core capital (leverage) ratio | 16.1664% | 330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6020% | 682 |
| Memoranda: | ||
| Average total assets | $1,513,035,500 | 692 |
| Average earning assets | $1,454,036,500 | 677 |
| Average equity | $243,353,000 | 462 |
| Average total loans | $1,206,754,500 | 560 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4458% | 136 |
| Cost of funding earning assets | 0.4844% | 991 |
| Net interest margin | 4.9614% | 149 |
| Noninterest income to average assets | 4.6773% | 117 |
| Noninterest expense to average assets | 2.7575% | 1,465 |
| Loan and lease loss provision to assets | -0.2154% | 4,718 |
| Net operating income to assets | 4.8294% | 46 |
| Return on assets (ROA) | 4.8214% | 47 |
| Pretax return on assets | 6.8678% | 39 |
| Return on Equity (ROE) | 34.6013% | 44 |
| Retained earnings to average equity (ytd only) | 34.4531% | 12 |
| Net charge-offs to loans | 0.0420% | 1,432 |
| Credit loss provision to net charge-offs | -755.9471% | 3,859 |
| Earnings coverage of net charge-offs (x) | 233.7974% | 491 |
| Efficiency ratio | 29.2727% | 4,796 |
| Assets per employee ($millions) | 8.6902% | 1,021 |
| Cash dividends to net income (ytd only)* | 0.4283% | 3,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5114% | 4,618 |
| Loan loss allowance to noncurrent loans | 28.4919% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 1.4557% | 294 |
| Noncurrent loans to loans | 1.7947% | 471 |
| Net loans and leases to total assets | 80.4918% | 247 |
| Net loans and leases to deposits | 99.1066% | 213 |
| Net loans and leases to core deposits | 99.6625% | 550 |
| Total domestic deposits to total assets | 81.2174% | 4,077 |
| Equity capital to assets | 16.3866% | 340 |
| Core capital (leverage) ratio | 15.1927% | 439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7877% | 681 |
| Memoranda: | ||
| Average total assets | $1,593,143,000 | 652 |
| Average earning assets | $1,522,931,400 | 628 |
| Average equity | $221,991,600 | 494 |
| Average total loans | $1,081,400,800 | 611 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2814% | 198 |
| Cost of funding earning assets | 0.5185% | 962 |
| Net interest margin | 4.7628% | 207 |
| Noninterest income to average assets | 5.5729% | 104 |
| Noninterest expense to average assets | 2.6851% | 1,629 |
| Loan and lease loss provision to assets | -0.1937% | 4,746 |
| Net operating income to assets | 5.3691% | 46 |
| Return on assets (ROA) | 5.3620% | 45 |
| Pretax return on assets | 7.6225% | 39 |
| Return on Equity (ROE) | 40.0633% | 36 |
| Retained earnings to average equity (ytd only) | 39.9120% | 11 |
| Net charge-offs to loans | 0.0501% | 1,167 |
| Credit loss provision to net charge-offs | -595.2141% | 3,704 |
| Earnings coverage of net charge-offs (x) | 228.5416% | 517 |
| Efficiency ratio | 26.5253% | 4,879 |
| Assets per employee ($millions) | 8.1808% | 1,185 |
| Cash dividends to net income (ytd only)* | 0.3776% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6670% | 4,553 |
| Loan loss allowance to noncurrent loans | 33.5817% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 1.6028% | 295 |
| Noncurrent loans to loans | 1.9862% | 447 |
| Net loans and leases to total assets | 77.1895% | 459 |
| Net loans and leases to deposits | 96.6565% | 328 |
| Net loans and leases to core deposits | 97.3499% | 682 |
| Total domestic deposits to total assets | 79.8596% | 4,247 |
| Equity capital to assets | 17.3236% | 317 |
| Core capital (leverage) ratio | 14.8275% | 520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6947% | 554 |
| Memoranda: | ||
| Average total assets | $1,626,440,000 | 647 |
| Average earning assets | $1,553,795,250 | 622 |
| Average equity | $217,680,250 | 503 |
| Average total loans | $1,056,455,000 | 638 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0597% | 313 |
| Cost of funding earning assets | 0.5613% | 902 |
| Net interest margin | 4.4985% | 352 |
| Noninterest income to average assets | 6.9773% | 86 |
| Noninterest expense to average assets | 2.2759% | 2,842 |
| Loan and lease loss provision to assets | -0.2503% | 4,809 |
| Net operating income to assets | 6.5119% | 34 |
| Return on assets (ROA) | 6.5037% | 35 |
| Pretax return on assets | 9.2402% | 29 |
| Return on Equity (ROE) | 52.7869% | 18 |
| Retained earnings to average equity (ytd only) | 52.6281% | 6 |
| Net charge-offs to loans | 0.0906% | 792 |
| Credit loss provision to net charge-offs | -448.9496% | 3,436 |
| Earnings coverage of net charge-offs (x) | 161.4517% | 566 |
| Efficiency ratio | 20.1830% | 4,933 |
| Assets per employee ($millions) | 12.9429% | 288 |
| Cash dividends to net income (ytd only)* | 0.3007% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7028% | 4,529 |
| Loan loss allowance to noncurrent loans | 38.9860% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 0.9381% | 818 |
| Noncurrent loans to loans | 1.8026% | 577 |
| Net loans and leases to total assets | 47.5216% | 3,775 |
| Net loans and leases to deposits | 54.9768% | 3,798 |
| Net loans and leases to core deposits | 55.2019% | 3,952 |
| Total domestic deposits to total assets | 86.4394% | 2,576 |
| Equity capital to assets | 10.6875% | 2,235 |
| Core capital (leverage) ratio | 13.6262% | 687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2857% | 466 |
| Memoranda: | ||
| Average total assets | $1,707,737,667 | 613 |
| Average earning assets | $1,631,984,000 | 584 |
| Average equity | $210,404,667 | 514 |
| Average total loans | $1,050,491,000 | 643 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0647% | 101 |
| Cost of funding earning assets | 0.7328% | 482 |
| Net interest margin | 5.3319% | 131 |
| Noninterest income to average assets | 10.8095% | 69 |
| Noninterest expense to average assets | 2.6894% | 1,643 |
| Loan and lease loss provision to assets | -0.0572% | 4,664 |
| Net operating income to assets | 9.2892% | 23 |
| Return on assets (ROA) | 9.2680% | 23 |
| Pretax return on assets | 13.1977% | 22 |
| Return on Equity (ROE) | 68.5255% | 11 |
| Retained earnings to average equity (ytd only) | 68.3590% | 5 |
| Net charge-offs to loans | 0.3392% | 249 |
| Credit loss provision to net charge-offs | -23.5754% | 2,714 |
| Earnings coverage of net charge-offs (x) | 54.2291% | 864 |
| Efficiency ratio | 16.9604% | 4,962 |
| Assets per employee ($millions) | 10.0866% | 579 |
| Cash dividends to net income (ytd only)* | 0.2430% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7952% | 4,420 |
| Loan loss allowance to noncurrent loans | 38.4766% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 1.5051% | 423 |
| Noncurrent loans to loans | 2.0668% | 514 |
| Net loans and leases to total assets | 64.1674% | 2,019 |
| Net loans and leases to deposits | 83.6934% | 1,183 |
| Net loans and leases to core deposits | 84.1686% | 1,665 |
| Total domestic deposits to total assets | 76.6696% | 4,544 |
| Equity capital to assets | 12.6471% | 1,014 |
| Core capital (leverage) ratio | 14.3209% | 602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3860% | 489 |
| Memoranda: | ||
| Average total assets | $1,474,405,500 | 691 |
| Average earning assets | $1,395,684,000 | 673 |
| Average equity | $199,412,000 | 529 |
| Average total loans | $1,055,424,500 | 640 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7600% | 50 |
| Cost of funding earning assets | 1.3292% | 162 |
| Net interest margin | 5.4308% | 70 |
| Noninterest income to average assets | 1.9031% | 355 |
| Noninterest expense to average assets | 3.2883% | 922 |
| Loan and lease loss provision to assets | 0.4149% | 728 |
| Net operating income to assets | 2.3409% | 162 |
| Return on assets (ROA) | 2.3484% | 174 |
| Pretax return on assets | 3.3876% | 90 |
| Return on Equity (ROE) | 17.2553% | 384 |
| Retained earnings to average equity (ytd only) | 17.0546% | 103 |
| Net charge-offs to loans | 0.0617% | 1,897 |
| Credit loss provision to net charge-offs | 836.3192% | 871 |
| Earnings coverage of net charge-offs (x) | 76.4528% | 920 |
| Efficiency ratio | 46.1889% | 4,710 |
| Assets per employee ($millions) | 7.4793% | 1,297 |
| Cash dividends to net income (ytd only)* | 1.1630% | 3,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9909% | 3,904 |
| Loan loss allowance to noncurrent loans | 32.5336% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 2.7045% | 154 |
| Noncurrent loans to loans | 3.0457% | 281 |
| Net loans and leases to total assets | 80.3678% | 402 |
| Net loans and leases to deposits | 99.2680% | 407 |
| Net loans and leases to core deposits | 100.2930% | 886 |
| Total domestic deposits to total assets | 80.9604% | 3,875 |
| Equity capital to assets | 14.7446% | 620 |
| Core capital (leverage) ratio | 15.0688% | 500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3702% | 734 |
| Memoranda: | ||
| Average total assets | $1,237,594,000 | 734 |
| Average earning assets | $1,180,031,800 | 715 |
| Average equity | $168,435,400 | 606 |
| Average total loans | $994,727,600 | 642 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9161% | 49 |
| Cost of funding earning assets | 1.4322% | 151 |
| Net interest margin | 5.4839% | 77 |
| Noninterest income to average assets | 1.8598% | 353 |
| Noninterest expense to average assets | 3.2838% | 931 |
| Loan and lease loss provision to assets | 0.5135% | 561 |
| Net operating income to assets | 2.2374% | 192 |
| Return on assets (ROA) | 2.2487% | 202 |
| Pretax return on assets | 3.3194% | 97 |
| Return on Equity (ROE) | 16.8733% | 458 |
| Retained earnings to average equity (ytd only) | 16.6665% | 133 |
| Net charge-offs to loans | 0.0858% | 1,451 |
| Credit loss provision to net charge-offs | 746.4789% | 1,032 |
| Earnings coverage of net charge-offs (x) | 55.5086% | 1,137 |
| Efficiency ratio | 45.9058% | 4,719 |
| Assets per employee ($millions) | 7.4808% | 1,227 |
| Cash dividends to net income (ytd only)* | 1.2256% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 3,606 |
| Loan loss allowance to noncurrent loans | 44.4631% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 2.0329% | 319 |
| Noncurrent loans to loans | 2.2976% | 487 |
| Net loans and leases to total assets | 73.5141% | 1,431 |
| Net loans and leases to deposits | 89.6886% | 1,301 |
| Net loans and leases to core deposits | 90.6724% | 1,912 |
| Total domestic deposits to total assets | 81.9659% | 3,428 |
| Equity capital to assets | 13.7296% | 932 |
| Core capital (leverage) ratio | 14.0230% | 706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1872% | 653 |
| Memoranda: | ||
| Average total assets | $1,238,469,500 | 721 |
| Average earning assets | $1,183,969,750 | 690 |
| Average equity | $165,053,750 | 610 |
| Average total loans | $992,975,000 | 634 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2747% | 52 |
| Cost of funding earning assets | 1.5634% | 136 |
| Net interest margin | 5.7114% | 80 |
| Noninterest income to average assets | 1.7104% | 364 |
| Noninterest expense to average assets | 3.2862% | 1,018 |
| Loan and lease loss provision to assets | 0.7131% | 381 |
| Net operating income to assets | 2.1080% | 261 |
| Return on assets (ROA) | 2.1250% | 278 |
| Pretax return on assets | 3.2026% | 95 |
| Return on Equity (ROE) | 16.1103% | 540 |
| Retained earnings to average equity (ytd only) | 15.8962% | 183 |
| Net charge-offs to loans | 0.1226% | 1,111 |
| Credit loss provision to net charge-offs | 707.5684% | 998 |
| Earnings coverage of net charge-offs (x) | 38.6393% | 1,271 |
| Efficiency ratio | 45.7102% | 4,740 |
| Assets per employee ($millions) | 7.1865% | 1,339 |
| Cash dividends to net income (ytd only)* | 1.3289% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9168% | 3,929 |
| Loan loss allowance to noncurrent loans | 43.4873% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 1.9385% | 389 |
| Noncurrent loans to loans | 2.1083% | 608 |
| Net loans and leases to total assets | 78.8684% | 742 |
| Net loans and leases to deposits | 96.5786% | 751 |
| Net loans and leases to core deposits | 97.8065% | 1,427 |
| Total domestic deposits to total assets | 81.6624% | 3,457 |
| Equity capital to assets | 13.0991% | 1,126 |
| Core capital (leverage) ratio | 13.3568% | 916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6128% | 825 |
| Memoranda: | ||
| Average total assets | $1,232,366,000 | 711 |
| Average earning assets | $1,180,275,000 | 678 |
| Average equity | $162,554,667 | 620 |
| Average total loans | $1,012,818,000 | 618 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2109% | 57 |
| Cost of funding earning assets | 1.6298% | 170 |
| Net interest margin | 5.5811% | 78 |
| Noninterest income to average assets | 0.2535% | 4,032 |
| Noninterest expense to average assets | 3.3060% | 1,215 |
| Loan and lease loss provision to assets | 1.1442% | 172 |
| Net operating income to assets | 0.5924% | 3,616 |
| Return on assets (ROA) | 0.6149% | 3,617 |
| Pretax return on assets | 1.1842% | 2,253 |
| Return on Equity (ROE) | 4.6450% | 3,766 |
| Retained earnings to average equity (ytd only) | 4.4221% | 2,526 |
| Net charge-offs to loans | 0.0334% | 1,730 |
| Credit loss provision to net charge-offs | 4,104.7059% | 198 |
| Earnings coverage of net charge-offs (x) | 82.5059% | 660 |
| Efficiency ratio | 57.7162% | 4,037 |
| Assets per employee ($millions) | 7.4634% | 907 |
| Cash dividends to net income (ytd only)* | 4.8000% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8517% | 4,271 |
| Loan loss allowance to noncurrent loans | 36.1365% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 2.2321% | 337 |
| Noncurrent loans to loans | 2.3569% | 529 |
| Net loans and leases to total assets | 83.2737% | 327 |
| Net loans and leases to deposits | 99.8631% | 566 |
| Net loans and leases to core deposits | 100.6030% | 1,427 |
| Total domestic deposits to total assets | 83.3879% | 2,985 |
| Equity capital to assets | 12.9542% | 1,448 |
| Core capital (leverage) ratio | 13.0388% | 1,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0274% | 1,143 |
| Memoranda: | ||
| Average total assets | $1,219,731,500 | 682 |
| Average earning assets | $1,169,735,500 | 650 |
| Average equity | $161,462,500 | 616 |
| Average total loans | $1,018,699,500 | 587 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3561% | 59 |
| Cost of funding earning assets | 1.6709% | 220 |
| Net interest margin | 5.6852% | 87 |
| Noninterest income to average assets | 0.4538% | 2,988 |
| Noninterest expense to average assets | 3.3571% | 1,192 |
| Loan and lease loss provision to assets | 0.0668% | 2,681 |
| Net operating income to assets | 1.7600% | 581 |
| Return on assets (ROA) | 1.7704% | 595 |
| Pretax return on assets | 2.5027% | 210 |
| Return on Equity (ROE) | 12.8466% | 1,215 |
| Retained earnings to average equity (ytd only) | 12.7336% | 181 |
| Net charge-offs to loans | 0.0718% | 2,072 |
| Credit loss provision to net charge-offs | 114.0173% | 2,205 |
| Earnings coverage of net charge-offs (x) | 43.6532% | 1,235 |
| Efficiency ratio | 56.5993% | 4,132 |
| Assets per employee ($millions) | 7.0233% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.8795% | 3,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5388% | 4,841 |
| Loan loss allowance to noncurrent loans | 28.7684% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 1.7627% | 508 |
| Noncurrent loans to loans | 1.8730% | 707 |
| Net loans and leases to total assets | 82.5910% | 478 |
| Net loans and leases to deposits | 104.3179% | 366 |
| Net loans and leases to core deposits | 104.5647% | 1,194 |
| Total domestic deposits to total assets | 79.1724% | 4,154 |
| Equity capital to assets | 13.5264% | 1,267 |
| Core capital (leverage) ratio | 14.2606% | 861 |
| Tier 1 risk-based capital ratio | 16.4772% | 2,222 |
| Total risk-based capital ratio | 18.5198% | 1,916 |
| Memoranda: | ||
| Average total assets | $1,181,704,400 | 670 |
| Average earning assets | $1,134,828,800 | 640 |
| Average equity | $162,852,600 | 571 |
| Average total loans | $964,112,800 | 596 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4664% | 56 |
| Cost of funding earning assets | 1.6828% | 212 |
| Net interest margin | 5.7836% | 79 |
| Noninterest income to average assets | 0.4541% | 2,998 |
| Noninterest expense to average assets | 3.3915% | 1,111 |
| Loan and lease loss provision to assets | 0.0609% | 2,679 |
| Net operating income to assets | 1.8053% | 612 |
| Return on assets (ROA) | 1.8215% | 621 |
| Pretax return on assets | 2.5785% | 214 |
| Return on Equity (ROE) | 13.1547% | 1,217 |
| Retained earnings to average equity (ytd only) | 13.0810% | 272 |
| Net charge-offs to loans | 0.0789% | 1,695 |
| Credit loss provision to net charge-offs | 95.0442% | 2,345 |
| Earnings coverage of net charge-offs (x) | 40.8533% | 1,360 |
| Efficiency ratio | 56.3050% | 4,137 |
| Assets per employee ($millions) | 6.5294% | 1,260 |
| Cash dividends to net income (ytd only)* | 0.5606% | 3,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5643% | 4,874 |
| Loan loss allowance to noncurrent loans | 37.4415% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 1.4281% | 800 |
| Noncurrent loans to loans | 1.5070% | 1,002 |
| Net loans and leases to total assets | 82.8515% | 475 |
| Net loans and leases to deposits | 100.8206% | 578 |
| Net loans and leases to core deposits | 100.9303% | 1,584 |
| Total domestic deposits to total assets | 82.1772% | 3,422 |
| Equity capital to assets | 14.0778% | 1,121 |
| Core capital (leverage) ratio | 14.0553% | 971 |
| Tier 1 risk-based capital ratio | 16.9189% | 2,108 |
| Total risk-based capital ratio | 19.0672% | 1,815 |
| Memoranda: | ||
| Average total assets | $1,175,129,250 | 672 |
| Average earning assets | $1,128,963,250 | 641 |
| Average equity | $162,715,750 | 567 |
| Average total loans | $954,363,750 | 602 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4460% | 56 |
| Cost of funding earning assets | 1.6542% | 227 |
| Net interest margin | 5.7918% | 80 |
| Noninterest income to average assets | 0.4807% | 2,778 |
| Noninterest expense to average assets | 3.2767% | 1,327 |
| Loan and lease loss provision to assets | 0.1129% | 1,665 |
| Net operating income to assets | 1.8730% | 513 |
| Return on assets (ROA) | 1.8915% | 513 |
| Pretax return on assets | 2.6887% | 188 |
| Return on Equity (ROE) | 13.7324% | 1,047 |
| Retained earnings to average equity (ytd only) | 13.7324% | 243 |
| Net charge-offs to loans | 0.0581% | 1,812 |
| Credit loss provision to net charge-offs | 241.2186% | 1,052 |
| Earnings coverage of net charge-offs (x) | 59.3692% | 988 |
| Efficiency ratio | 54.1398% | 4,454 |
| Assets per employee ($millions) | 6.6314% | 1,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5824% | 4,904 |
| Loan loss allowance to noncurrent loans | 38.6157% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 1.4493% | 788 |
| Noncurrent loans to loans | 1.5083% | 1,024 |
| Net loans and leases to total assets | 84.3490% | 331 |
| Net loans and leases to deposits | 101.3867% | 582 |
| Net loans and leases to core deposits | 101.4397% | 1,600 |
| Total domestic deposits to total assets | 83.1953% | 3,145 |
| Equity capital to assets | 13.3101% | 1,434 |
| Core capital (leverage) ratio | 12.8648% | 1,370 |
| Tier 1 risk-based capital ratio | 15.8880% | 2,464 |
| Total risk-based capital ratio | 18.0073% | 2,101 |
| Memoranda: | ||
| Average total assets | $1,192,488,000 | 666 |
| Average earning assets | $1,147,649,330 | 633 |
| Average equity | $164,254,000 | 557 |
| Average total loans | $960,569,670 | 600 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1095% | 66 |
| Cost of funding earning assets | 1.5641% | 256 |
| Net interest margin | 5.5454% | 111 |
| Noninterest income to average assets | 0.4004% | 3,182 |
| Noninterest expense to average assets | 3.1266% | 1,671 |
| Loan and lease loss provision to assets | 0.1390% | 1,241 |
| Net operating income to assets | 1.7824% | 602 |
| Return on assets (ROA) | 1.7993% | 600 |
| Pretax return on assets | 2.5034% | 247 |
| Return on Equity (ROE) | 12.8568% | 1,266 |
| Retained earnings to average equity (ytd only) | 12.8568% | 482 |
| Net charge-offs to loans | 0.0299% | 1,858 |
| Credit loss provision to net charge-offs | 592.9577% | 547 |
| Earnings coverage of net charge-offs (x) | 111.8310% | 618 |
| Efficiency ratio | 54.9391% | 4,441 |
| Assets per employee ($millions) | 7.2781% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5877% | 4,955 |
| Loan loss allowance to noncurrent loans | 44.4043% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 1.1998% | 1,119 |
| Noncurrent loans to loans | 1.3234% | 1,237 |
| Net loans and leases to total assets | 77.8161% | 1,191 |
| Net loans and leases to deposits | 92.4925% | 1,340 |
| Net loans and leases to core deposits | 92.5202% | 2,254 |
| Total domestic deposits to total assets | 84.1323% | 2,998 |
| Equity capital to assets | 14.0098% | 1,035 |
| Core capital (leverage) ratio | 14.4066% | 841 |
| Tier 1 risk-based capital ratio | 18.2031% | 1,740 |
| Total risk-based capital ratio | 18.8029% | 1,878 |
| Memoranda: | ||
| Average total assets | $1,211,803,000 | 658 |
| Average earning assets | $1,168,468,500 | 631 |
| Average equity | $169,591,000 | 541 |
| Average total loans | $951,369,500 | 606 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6348% | 78 |
| Cost of funding earning assets | 1.2408% | 288 |
| Net interest margin | 5.3941% | 130 |
| Noninterest income to average assets | 0.5982% | 2,301 |
| Noninterest expense to average assets | 3.1722% | 1,626 |
| Loan and lease loss provision to assets | 0.1088% | 2,020 |
| Net operating income to assets | 1.7937% | 557 |
| Return on assets (ROA) | 1.7944% | 551 |
| Pretax return on assets | 2.5062% | 205 |
| Return on Equity (ROE) | 13.2661% | 1,243 |
| Retained earnings to average equity (ytd only) | 13.2661% | 212 |
| Net charge-offs to loans | 0.0349% | 2,706 |
| Credit loss provision to net charge-offs | 416.6113% | 800 |
| Earnings coverage of net charge-offs (x) | 100.1163% | 736 |
| Efficiency ratio | 54.4038% | 4,577 |
| Assets per employee ($millions) | 6.7819% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5647% | 5,028 |
| Loan loss allowance to noncurrent loans | 42.9693% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 1.1575% | 1,137 |
| Noncurrent loans to loans | 1.3142% | 1,197 |
| Net loans and leases to total assets | 78.3035% | 1,227 |
| Net loans and leases to deposits | 93.1031% | 1,388 |
| Net loans and leases to core deposits | 93.1031% | 2,308 |
| Total domestic deposits to total assets | 84.1041% | 2,969 |
| Equity capital to assets | 13.9796% | 975 |
| Core capital (leverage) ratio | 13.9989% | 922 |
| Tier 1 risk-based capital ratio | 18.2511% | 1,675 |
| Total risk-based capital ratio | 18.8341% | 1,834 |
| Memoranda: | ||
| Average total assets | $1,152,759,600 | 666 |
| Average earning assets | $1,108,751,600 | 640 |
| Average equity | $155,924,200 | 549 |
| Average total loans | $862,056,600 | 648 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4630% | 89 |
| Cost of funding earning assets | 1.1706% | 293 |
| Net interest margin | 5.2924% | 150 |
| Noninterest income to average assets | 0.6306% | 2,163 |
| Noninterest expense to average assets | 3.1325% | 1,686 |
| Loan and lease loss provision to assets | 0.1347% | 1,487 |
| Net operating income to assets | 1.7560% | 655 |
| Return on assets (ROA) | 1.7524% | 663 |
| Pretax return on assets | 2.4465% | 257 |
| Return on Equity (ROE) | 13.0702% | 1,404 |
| Retained earnings to average equity (ytd only) | 13.0702% | 350 |
| Net charge-offs to loans | 0.0350% | 2,390 |
| Credit loss provision to net charge-offs | 522.1719% | 670 |
| Earnings coverage of net charge-offs (x) | 100.2622% | 750 |
| Efficiency ratio | 54.2744% | 4,582 |
| Assets per employee ($millions) | 6.9690% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5939% | 5,053 |
| Loan loss allowance to noncurrent loans | 46.0026% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 1.0756% | 1,344 |
| Noncurrent loans to loans | 1.2911% | 1,303 |
| Net loans and leases to total assets | 72.9882% | 2,171 |
| Net loans and leases to deposits | 85.8128% | 2,390 |
| Net loans and leases to core deposits | 85.8128% | 3,009 |
| Total domestic deposits to total assets | 85.0552% | 2,586 |
| Equity capital to assets | 13.2845% | 1,214 |
| Core capital (leverage) ratio | 13.6278% | 1,050 |
| Tier 1 risk-based capital ratio | 18.5857% | 1,636 |
| Total risk-based capital ratio | 19.1988% | 1,764 |
| Memoranda: | ||
| Average total assets | $1,142,547,500 | 667 |
| Average earning assets | $1,098,326,250 | 644 |
| Average equity | $153,189,750 | 558 |
| Average total loans | $842,584,500 | 659 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4157% | 85 |
| Cost of funding earning assets | 1.0864% | 309 |
| Net interest margin | 5.3293% | 140 |
| Noninterest income to average assets | 0.6821% | 1,948 |
| Noninterest expense to average assets | 3.1989% | 1,536 |
| Loan and lease loss provision to assets | 0.1106% | 1,782 |
| Net operating income to assets | 1.7407% | 669 |
| Return on assets (ROA) | 1.7407% | 669 |
| Pretax return on assets | 2.4886% | 228 |
| Return on Equity (ROE) | 12.9400% | 1,394 |
| Retained earnings to average equity (ytd only) | 12.9400% | 391 |
| Net charge-offs to loans | 0.0404% | 2,050 |
| Credit loss provision to net charge-offs | 370.6587% | 867 |
| Earnings coverage of net charge-offs (x) | 87.0958% | 771 |
| Efficiency ratio | 54.7371% | 4,613 |
| Assets per employee ($millions) | 6.5728% | 1,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5470% | 5,201 |
| Loan loss allowance to noncurrent loans | 40.2293% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 1.2261% | 1,171 |
| Noncurrent loans to loans | 1.3597% | 1,246 |
| Net loans and leases to total assets | 75.5521% | 1,707 |
| Net loans and leases to deposits | 89.9086% | 1,852 |
| Net loans and leases to core deposits | 89.9086% | 2,579 |
| Total domestic deposits to total assets | 84.0321% | 3,055 |
| Equity capital to assets | 13.4592% | 1,114 |
| Core capital (leverage) ratio | 13.9196% | 926 |
| Tier 1 risk-based capital ratio | 18.0434% | 1,785 |
| Total risk-based capital ratio | 18.6022% | 1,937 |
| Memoranda: | ||
| Average total assets | $1,119,195,000 | 684 |
| Average earning assets | $1,074,398,670 | 654 |
| Average equity | $150,556,670 | 560 |
| Average total loans | $826,663,670 | 665 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2490% | 100 |
| Cost of funding earning assets | 1.0698% | 264 |
| Net interest margin | 5.1792% | 166 |
| Noninterest income to average assets | 0.6772% | 1,923 |
| Noninterest expense to average assets | 3.1785% | 1,613 |
| Loan and lease loss provision to assets | 0.1323% | 1,431 |
| Net operating income to assets | 1.5951% | 869 |
| Return on assets (ROA) | 1.5951% | 868 |
| Pretax return on assets | 2.3377% | 300 |
| Return on Equity (ROE) | 11.8606% | 1,631 |
| Retained earnings to average equity (ytd only) | 11.8606% | 709 |
| Net charge-offs to loans | 0.0140% | 2,265 |
| Credit loss provision to net charge-offs | 1,300.0000% | 275 |
| Earnings coverage of net charge-offs (x) | 242.6786% | 280 |
| Efficiency ratio | 55.3639% | 4,659 |
| Assets per employee ($millions) | 6.4727% | 1,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5715% | 5,237 |
| Loan loss allowance to noncurrent loans | 34.4825% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 1.2487% | 1,197 |
| Noncurrent loans to loans | 1.6574% | 1,039 |
| Net loans and leases to total assets | 70.0495% | 2,481 |
| Net loans and leases to deposits | 82.2224% | 2,574 |
| Net loans and leases to core deposits | 82.2639% | 3,122 |
| Total domestic deposits to total assets | 85.1952% | 2,860 |
| Equity capital to assets | 12.8934% | 1,298 |
| Core capital (leverage) ratio | 13.5792% | 988 |
| Tier 1 risk-based capital ratio | 18.5253% | 1,683 |
| Total risk-based capital ratio | 19.1033% | 1,824 |
| Memoranda: | ||
| Average total assets | $1,100,384,000 | 697 |
| Average earning assets | $1,056,231,500 | 665 |
| Average equity | $147,986,000 | 569 |
| Average total loans | $800,592,000 | 689 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2865% | 98 |
| Cost of funding earning assets | 0.8854% | 406 |
| Net interest margin | 5.4011% | 121 |
| Noninterest income to average assets | 0.7995% | 1,569 |
| Noninterest expense to average assets | 3.2952% | 1,382 |
| Loan and lease loss provision to assets | 0.1406% | 1,622 |
| Net operating income to assets | 1.5374% | 744 |
| Return on assets (ROA) | 1.5374% | 756 |
| Pretax return on assets | 2.5389% | 169 |
| Return on Equity (ROE) | 11.5953% | 1,315 |
| Retained earnings to average equity (ytd only) | 11.5953% | 202 |
| Net charge-offs to loans | 0.0437% | 2,917 |
| Credit loss provision to net charge-offs | 433.8279% | 714 |
| Earnings coverage of net charge-offs (x) | 82.7003% | 749 |
| Efficiency ratio | 55.1525% | 4,848 |
| Assets per employee ($millions) | 5.6595% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5581% | 5,313 |
| Loan loss allowance to noncurrent loans | 24.0754% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 1.8346% | 663 |
| Noncurrent loans to loans | 2.3180% | 605 |
| Net loans and leases to total assets | 74.9265% | 1,766 |
| Net loans and leases to deposits | 89.3933% | 1,844 |
| Net loans and leases to core deposits | 89.3933% | 2,620 |
| Total domestic deposits to total assets | 83.8168% | 3,275 |
| Equity capital to assets | 14.0731% | 887 |
| Core capital (leverage) ratio | 14.1408% | 806 |
| Tier 1 risk-based capital ratio | 18.7710% | 1,566 |
| Total risk-based capital ratio | 19.3380% | 1,728 |
| Memoranda: | ||
| Average total assets | $1,040,122,200 | 711 |
| Average earning assets | $996,604,400 | 680 |
| Average equity | $137,909,600 | 594 |
| Average total loans | $771,085,400 | 682 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3365% | 84 |
| Cost of funding earning assets | 0.8731% | 408 |
| Net interest margin | 5.4635% | 108 |
| Noninterest income to average assets | 0.9125% | 1,233 |
| Noninterest expense to average assets | 3.3379% | 1,265 |
| Loan and lease loss provision to assets | 0.1289% | 1,676 |
| Net operating income to assets | 1.6574% | 629 |
| Return on assets (ROA) | 1.6574% | 649 |
| Pretax return on assets | 2.6815% | 159 |
| Return on Equity (ROE) | 12.6937% | 1,124 |
| Retained earnings to average equity (ytd only) | 12.6937% | 244 |
| Net charge-offs to loans | 0.0352% | 2,728 |
| Credit loss provision to net charge-offs | 496.0591% | 649 |
| Earnings coverage of net charge-offs (x) | 108.1182% | 661 |
| Efficiency ratio | 54.2893% | 4,912 |
| Assets per employee ($millions) | 5.7027% | 1,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5246% | 5,435 |
| Loan loss allowance to noncurrent loans | 24.1905% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 1.7833% | 783 |
| Noncurrent loans to loans | 2.1685% | 757 |
| Net loans and leases to total assets | 72.9038% | 2,115 |
| Net loans and leases to deposits | 86.9390% | 2,192 |
| Net loans and leases to core deposits | 86.9390% | 2,876 |
| Total domestic deposits to total assets | 83.8563% | 3,175 |
| Equity capital to assets | 13.6086% | 1,120 |
| Core capital (leverage) ratio | 13.5120% | 1,020 |
| Tier 1 risk-based capital ratio | 18.6269% | 1,699 |
| Total risk-based capital ratio | 19.1587% | 1,832 |
| Memoranda: | ||
| Average total assets | $1,041,230,500 | 716 |
| Average earning assets | $997,851,750 | 681 |
| Average equity | $135,948,500 | 605 |
| Average total loans | $768,766,500 | 684 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2690% | 95 |
| Cost of funding earning assets | 0.8371% | 430 |
| Net interest margin | 5.4319% | 113 |
| Noninterest income to average assets | 0.9962% | 1,023 |
| Noninterest expense to average assets | 3.3992% | 1,168 |
| Loan and lease loss provision to assets | 0.1254% | 1,653 |
| Net operating income to assets | 1.5135% | 837 |
| Return on assets (ROA) | 1.5135% | 865 |
| Pretax return on assets | 2.6801% | 159 |
| Return on Equity (ROE) | 11.7591% | 1,371 |
| Retained earnings to average equity (ytd only) | 11.7591% | 344 |
| Net charge-offs to loans | 0.0562% | 2,127 |
| Credit loss provision to net charge-offs | 301.3889% | 953 |
| Earnings coverage of net charge-offs (x) | 67.4444% | 867 |
| Efficiency ratio | 54.7844% | 4,945 |
| Assets per employee ($millions) | 5.7870% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4676% | 5,549 |
| Loan loss allowance to noncurrent loans | 26.1935% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 1.3763% | 1,151 |
| Noncurrent loans to loans | 1.7852% | 1,015 |
| Net loans and leases to total assets | 72.4769% | 2,127 |
| Net loans and leases to deposits | 85.9305% | 2,234 |
| Net loans and leases to core deposits | 85.9305% | 2,886 |
| Total domestic deposits to total assets | 84.3435% | 3,070 |
| Equity capital to assets | 12.7851% | 1,476 |
| Core capital (leverage) ratio | 13.4580% | 1,009 |
| Tier 1 risk-based capital ratio | 17.9786% | 1,861 |
| Total risk-based capital ratio | 18.4585% | 2,043 |
| Memoranda: | ||
| Average total assets | $1,038,542,330 | 723 |
| Average earning assets | $995,819,000 | 687 |
| Average equity | $133,666,670 | 615 |
| Average total loans | $768,685,330 | 689 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1097% | 107 |
| Cost of funding earning assets | 0.8334% | 402 |
| Net interest margin | 5.2762% | 141 |
| Noninterest income to average assets | 0.8999% | 1,241 |
| Noninterest expense to average assets | 3.3699% | 1,255 |
| Loan and lease loss provision to assets | 0.1012% | 1,871 |
| Net operating income to assets | 1.5464% | 752 |
| Return on assets (ROA) | 1.5464% | 773 |
| Pretax return on assets | 2.4829% | 219 |
| Return on Equity (ROE) | 11.9734% | 1,246 |
| Retained earnings to average equity (ytd only) | 11.9734% | 472 |
| Net charge-offs to loans | 0.0594% | 1,742 |
| Credit loss provision to net charge-offs | 228.3186% | 938 |
| Earnings coverage of net charge-offs (x) | 58.2920% | 818 |
| Efficiency ratio | 56.5988% | 4,875 |
| Assets per employee ($millions) | 5.5508% | 1,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4522% | 5,643 |
| Loan loss allowance to noncurrent loans | 22.7288% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 1.8096% | 782 |
| Noncurrent loans to loans | 1.9896% | 898 |
| Net loans and leases to total assets | 72.3491% | 2,024 |
| Net loans and leases to deposits | 85.8189% | 2,049 |
| Net loans and leases to core deposits | 85.8189% | 2,734 |
| Total domestic deposits to total assets | 84.3044% | 3,358 |
| Equity capital to assets | 13.0250% | 1,247 |
| Core capital (leverage) ratio | 13.1591% | 1,081 |
| Tier 1 risk-based capital ratio | 17.8486% | 1,925 |
| Total risk-based capital ratio | 18.3040% | 2,118 |
| Memoranda: | ||
| Average total assets | $1,019,626,500 | 739 |
| Average earning assets | $976,681,000 | 702 |
| Average equity | $131,692,000 | 623 |
| Average total loans | $761,134,500 | 695 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5188% | 245 |
| Cost of funding earning assets | 0.8675% | 353 |
| Net interest margin | 4.6514% | 456 |
| Noninterest income to average assets | 0.9244% | 1,336 |
| Noninterest expense to average assets | 3.5528% | 1,082 |
| Loan and lease loss provision to assets | 0.0685% | 2,997 |
| Net operating income to assets | 1.1162% | 1,835 |
| Return on assets (ROA) | 1.1162% | 1,924 |
| Pretax return on assets | 1.7437% | 907 |
| Return on Equity (ROE) | 9.1220% | 2,359 |
| Retained earnings to average equity (ytd only) | 9.1220% | 566 |
| Net charge-offs to loans | 0.0628% | 2,801 |
| Credit loss provision to net charge-offs | 145.3540% | 1,885 |
| Earnings coverage of net charge-offs (x) | 38.4779% | 1,210 |
| Efficiency ratio | 65.1486% | 3,738 |
| Assets per employee ($millions) | 5.3848% | 1,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4163% | 5,722 |
| Loan loss allowance to noncurrent loans | 31.5060% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 1.3207% | 1,325 |
| Noncurrent loans to loans | 1.3212% | 1,557 |
| Net loans and leases to total assets | 76.3283% | 1,464 |
| Net loans and leases to deposits | 90.3342% | 1,646 |
| Net loans and leases to core deposits | 90.4405% | 2,464 |
| Total domestic deposits to total assets | 84.4954% | 3,238 |
| Equity capital to assets | 12.8049% | 1,347 |
| Core capital (leverage) ratio | 13.2674% | 1,039 |
| Tier 1 risk-based capital ratio | 16.8714% | 2,200 |
| Total risk-based capital ratio | 17.2954% | 2,465 |
| Memoranda: | ||
| Average total assets | $959,736,800 | 757 |
| Average earning assets | $916,243,200 | 724 |
| Average equity | $117,440,800 | 678 |
| Average total loans | $719,324,000 | 703 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3520% | 333 |
| Cost of funding earning assets | 0.8706% | 341 |
| Net interest margin | 4.4814% | 661 |
| Noninterest income to average assets | 0.8792% | 1,477 |
| Noninterest expense to average assets | 3.5883% | 1,012 |
| Loan and lease loss provision to assets | 0.0158% | 3,930 |
| Net operating income to assets | 1.0022% | 2,422 |
| Return on assets (ROA) | 1.0022% | 2,562 |
| Pretax return on assets | 1.5487% | 1,541 |
| Return on Equity (ROE) | 8.2928% | 2,856 |
| Retained earnings to average equity (ytd only) | 8.2928% | 1,047 |
| Net charge-offs to loans | 0.0796% | 2,186 |
| Credit loss provision to net charge-offs | 26.6033% | 3,251 |
| Earnings coverage of net charge-offs (x) | 26.3824% | 1,600 |
| Efficiency ratio | 68.7305% | 3,092 |
| Assets per employee ($millions) | 5.2401% | 2,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3727% | 5,817 |
| Loan loss allowance to noncurrent loans | 30.2282% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 1.2996% | 1,479 |
| Noncurrent loans to loans | 1.2330% | 1,820 |
| Net loans and leases to total assets | 73.6945% | 1,920 |
| Net loans and leases to deposits | 87.6214% | 2,064 |
| Net loans and leases to core deposits | 87.6744% | 2,792 |
| Total domestic deposits to total assets | 84.1057% | 3,186 |
| Equity capital to assets | 11.9741% | 2,135 |
| Core capital (leverage) ratio | 12.0870% | 1,616 |
| Tier 1 risk-based capital ratio | 16.2679% | 2,514 |
| Total risk-based capital ratio | 16.6452% | 2,803 |
| Memoranda: | ||
| Average total assets | $946,584,250 | 763 |
| Average earning assets | $902,663,750 | 736 |
| Average equity | $114,393,500 | 704 |
| Average total loans | $705,170,750 | 713 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3968% | 299 |
| Cost of funding earning assets | 0.8629% | 350 |
| Net interest margin | 4.5339% | 575 |
| Noninterest income to average assets | 0.9505% | 1,238 |
| Noninterest expense to average assets | 3.6702% | 918 |
| Loan and lease loss provision to assets | 0.0004% | 4,015 |
| Net operating income to assets | 1.0473% | 2,197 |
| Return on assets (ROA) | 1.0473% | 2,321 |
| Pretax return on assets | 1.6002% | 1,375 |
| Return on Equity (ROE) | 8.6410% | 2,672 |
| Retained earnings to average equity (ytd only) | 8.6410% | 954 |
| Net charge-offs to loans | 0.0998% | 1,835 |
| Credit loss provision to net charge-offs | 0.5747% | 3,048 |
| Earnings coverage of net charge-offs (x) | 21.4799% | 1,679 |
| Efficiency ratio | 68.2836% | 3,281 |
| Assets per employee ($millions) | 5.1366% | 2,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3827% | 5,895 |
| Loan loss allowance to noncurrent loans | 33.7618% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 0.9758% | 2,194 |
| Noncurrent loans to loans | 1.1335% | 2,034 |
| Net loans and leases to total assets | 70.7121% | 2,364 |
| Net loans and leases to deposits | 84.0096% | 2,467 |
| Net loans and leases to core deposits | 84.0096% | 3,079 |
| Total domestic deposits to total assets | 84.1714% | 3,206 |
| Equity capital to assets | 11.7299% | 2,327 |
| Core capital (leverage) ratio | 12.3308% | 1,440 |
| Tier 1 risk-based capital ratio | 16.6859% | 2,358 |
| Total risk-based capital ratio | 17.0787% | 2,664 |
| Memoranda: | ||
| Average total assets | $934,006,670 | 772 |
| Average earning assets | $890,013,670 | 747 |
| Average equity | $113,204,670 | 715 |
| Average total loans | $697,326,670 | 723 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2004% | 417 |
| Cost of funding earning assets | 0.8672% | 352 |
| Net interest margin | 4.3332% | 862 |
| Noninterest income to average assets | 0.8939% | 1,331 |
| Noninterest expense to average assets | 3.5647% | 1,076 |
| Loan and lease loss provision to assets | -0.0026% | 5,867 |
| Net operating income to assets | 0.9754% | 2,394 |
| Return on assets (ROA) | 0.9754% | 2,504 |
| Pretax return on assets | 1.4508% | 1,746 |
| Return on Equity (ROE) | 7.9096% | 2,966 |
| Retained earnings to average equity (ytd only) | 7.9096% | 1,496 |
| Net charge-offs to loans | 0.0816% | 1,680 |
| Credit loss provision to net charge-offs | -4.2254% | 4,078 |
| Earnings coverage of net charge-offs (x) | 23.1479% | 1,377 |
| Efficiency ratio | 70.0914% | 3,109 |
| Assets per employee ($millions) | 5.0127% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4083% | 5,940 |
| Loan loss allowance to noncurrent loans | 32.3367% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 1.0372% | 2,136 |
| Noncurrent loans to loans | 1.2626% | 1,916 |
| Net loans and leases to total assets | 76.0843% | 1,380 |
| Net loans and leases to deposits | 91.3963% | 1,418 |
| Net loans and leases to core deposits | 91.6058% | 2,225 |
| Total domestic deposits to total assets | 83.2466% | 3,807 |
| Equity capital to assets | 12.2573% | 1,855 |
| Core capital (leverage) ratio | 12.5512% | 1,319 |
| Tier 1 risk-based capital ratio | 16.1319% | 2,621 |
| Total risk-based capital ratio | 16.5444% | 2,962 |
| Memoranda: | ||
| Average total assets | $907,895,000 | 797 |
| Average earning assets | $863,017,000 | 765 |
| Average equity | $111,965,000 | 720 |
| Average total loans | $695,958,500 | 722 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6212% | 225 |
| Cost of funding earning assets | 0.8732% | 327 |
| Net interest margin | 4.7480% | 417 |
| Noninterest income to average assets | 0.9531% | 1,312 |
| Noninterest expense to average assets | 3.7046% | 969 |
| Loan and lease loss provision to assets | 0.0198% | 4,006 |
| Net operating income to assets | 1.0998% | 1,929 |
| Return on assets (ROA) | 1.0998% | 2,001 |
| Pretax return on assets | 1.7275% | 937 |
| Return on Equity (ROE) | 8.7591% | 2,588 |
| Retained earnings to average equity (ytd only) | 8.7591% | 715 |
| Net charge-offs to loans | 0.1429% | 1,923 |
| Credit loss provision to net charge-offs | 18.9189% | 3,755 |
| Earnings coverage of net charge-offs (x) | 16.6757% | 2,115 |
| Efficiency ratio | 67.6666% | 3,632 |
| Assets per employee ($millions) | 4.7524% | 2,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4401% | 5,966 |
| Loan loss allowance to noncurrent loans | 48.2533% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 0.8384% | 2,574 |
| Noncurrent loans to loans | 0.9121% | 2,514 |
| Net loans and leases to total assets | 76.5861% | 1,322 |
| Net loans and leases to deposits | 92.0354% | 1,397 |
| Net loans and leases to core deposits | 92.1597% | 2,204 |
| Total domestic deposits to total assets | 83.2137% | 3,765 |
| Equity capital to assets | 12.4098% | 1,667 |
| Core capital (leverage) ratio | 12.9702% | 1,156 |
| Tier 1 risk-based capital ratio | 16.3905% | 2,532 |
| Total risk-based capital ratio | 16.8397% | 2,823 |
| Memoranda: | ||
| Average total assets | $847,454,000 | 817 |
| Average earning assets | $802,989,400 | 782 |
| Average equity | $106,403,400 | 728 |
| Average total loans | $621,444,400 | 753 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5827% | 232 |
| Cost of funding earning assets | 0.8891% | 303 |
| Net interest margin | 4.6937% | 458 |
| Noninterest income to average assets | 1.0351% | 1,114 |
| Noninterest expense to average assets | 3.7814% | 872 |
| Loan and lease loss provision to assets | -0.0778% | 5,968 |
| Net operating income to assets | 1.1286% | 1,899 |
| Return on assets (ROA) | 1.1286% | 1,975 |
| Pretax return on assets | 1.7756% | 939 |
| Return on Equity (ROE) | 8.9608% | 2,596 |
| Retained earnings to average equity (ytd only) | 8.9608% | 923 |
| Net charge-offs to loans | 0.0126% | 3,733 |
| Credit loss provision to net charge-offs | -856.1404% | 5,464 |
| Earnings coverage of net charge-offs (x) | 186.7497% | 382 |
| Efficiency ratio | 69.0138% | 3,372 |
| Assets per employee ($millions) | 4.6110% | 2,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5050% | 6,015 |
| Loan loss allowance to noncurrent loans | 29.1412% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 1.4261% | 1,601 |
| Noncurrent loans to loans | 1.7329% | 1,386 |
| Net loans and leases to total assets | 73.5111% | 1,819 |
| Net loans and leases to deposits | 89.0453% | 1,762 |
| Net loans and leases to core deposits | 89.0453% | 2,556 |
| Total domestic deposits to total assets | 82.5547% | 3,965 |
| Equity capital to assets | 12.6961% | 1,618 |
| Core capital (leverage) ratio | 12.7857% | 1,278 |
| Tier 1 risk-based capital ratio | 17.6339% | 2,144 |
| Total risk-based capital ratio | 18.1520% | 2,363 |
| Memoranda: | ||
| Average total assets | $835,956,250 | 837 |
| Average earning assets | $791,517,500 | 795 |
| Average equity | $105,285,500 | 742 |
| Average total loans | $604,985,500 | 775 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6146% | 226 |
| Cost of funding earning assets | 0.8902% | 303 |
| Net interest margin | 4.7244% | 422 |
| Noninterest income to average assets | 1.1594% | 893 |
| Noninterest expense to average assets | 3.8775% | 789 |
| Loan and lease loss provision to assets | -0.0010% | 5,922 |
| Net operating income to assets | 1.1234% | 1,864 |
| Return on assets (ROA) | 1.1234% | 1,951 |
| Pretax return on assets | 1.7552% | 967 |
| Return on Equity (ROE) | 8.9446% | 2,579 |
| Retained earnings to average equity (ytd only) | 8.9446% | 938 |
| Net charge-offs to loans | 0.0091% | 3,591 |
| Credit loss provision to net charge-offs | -14.8148% | 4,712 |
| Earnings coverage of net charge-offs (x) | 269.2222% | 256 |
| Efficiency ratio | 68.8507% | 3,519 |
| Assets per employee ($millions) | 4.6395% | 2,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5976% | 5,978 |
| Loan loss allowance to noncurrent loans | 33.9550% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 1.4790% | 1,674 |
| Noncurrent loans to loans | 1.7600% | 1,456 |
| Net loans and leases to total assets | 72.7595% | 1,851 |
| Net loans and leases to deposits | 89.3904% | 1,675 |
| Net loans and leases to core deposits | 89.4640% | 2,394 |
| Total domestic deposits to total assets | 81.3952% | 4,487 |
| Equity capital to assets | 12.5741% | 1,617 |
| Core capital (leverage) ratio | 12.8746% | 1,228 |
| Tier 1 risk-based capital ratio | 17.5657% | 2,195 |
| Total risk-based capital ratio | 18.1781% | 2,384 |
| Memoranda: | ||
| Average total assets | $828,726,000 | 852 |
| Average earning assets | $784,531,000 | 818 |
| Average equity | $104,084,670 | 748 |
| Average total loans | $595,425,330 | 790 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6132% | 221 |
| Cost of funding earning assets | 0.8937% | 299 |
| Net interest margin | 4.7195% | 398 |
| Noninterest income to average assets | 0.7677% | 1,835 |
| Noninterest expense to average assets | 3.6522% | 1,067 |
| Loan and lease loss provision to assets | -0.0020% | 6,070 |
| Net operating income to assets | 1.0071% | 2,236 |
| Return on assets (ROA) | 1.0071% | 2,375 |
| Pretax return on assets | 1.5818% | 1,315 |
| Return on Equity (ROE) | 8.0235% | 2,946 |
| Retained earnings to average equity (ytd only) | 8.0235% | 1,564 |
| Net charge-offs to loans | -0.0213% | 5,079 |
| Credit loss provision to net charge-offs | 12.9032% | 2,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8048% | 3,526 |
| Assets per employee ($millions) | 4.5887% | 2,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6459% | 5,993 |
| Loan loss allowance to noncurrent loans | 35.4878% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 1.7243% | 1,443 |
| Noncurrent loans to loans | 1.8202% | 1,488 |
| Net loans and leases to total assets | 69.8539% | 2,164 |
| Net loans and leases to deposits | 85.9620% | 1,838 |
| Net loans and leases to core deposits | 86.1744% | 2,526 |
| Total domestic deposits to total assets | 81.2614% | 4,746 |
| Equity capital to assets | 12.4978% | 1,694 |
| Core capital (leverage) ratio | 13.0831% | 1,127 |
| Tier 1 risk-based capital ratio | 18.2276% | 2,076 |
| Total risk-based capital ratio | 18.8858% | 2,219 |
| Memoranda: | ||
| Average total assets | $818,574,000 | 865 |
| Average earning assets | $774,318,000 | 831 |
| Average equity | $102,748,000 | 758 |
| Average total loans | $582,406,000 | 803 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7360% | 215 |
| Cost of funding earning assets | 0.9445% | 299 |
| Net interest margin | 4.7915% | 442 |
| Noninterest income to average assets | 0.6682% | 2,461 |
| Noninterest expense to average assets | 4.0394% | 721 |
| Loan and lease loss provision to assets | 0.0255% | 4,096 |
| Net operating income to assets | 0.7221% | 3,786 |
| Return on assets (ROA) | 0.7221% | 3,894 |
| Pretax return on assets | 1.1114% | 3,042 |
| Return on Equity (ROE) | 5.5964% | 4,366 |
| Retained earnings to average equity (ytd only) | 5.5964% | 2,193 |
| Net charge-offs to loans | 0.0931% | 3,164 |
| Credit loss provision to net charge-offs | 38.8446% | 3,697 |
| Earnings coverage of net charge-offs (x) | 17.2948% | 1,932 |
| Efficiency ratio | 78.0364% | 2,205 |
| Assets per employee ($millions) | 4.5314% | 2,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6447% | 6,082 |
| Loan loss allowance to noncurrent loans | 30.1166% | 5,649 |
| Noncurrent assets plus other real estate owned to assets | 1.8007% | 1,450 |
| Noncurrent loans to loans | 2.1408% | 1,264 |
| Net loans and leases to total assets | 71.5503% | 1,983 |
| Net loans and leases to deposits | 89.0292% | 1,615 |
| Net loans and leases to core deposits | 89.1878% | 2,364 |
| Total domestic deposits to total assets | 80.3672% | 4,922 |
| Equity capital to assets | 12.6080% | 1,582 |
| Core capital (leverage) ratio | 12.8774% | 1,184 |
| Tier 1 risk-based capital ratio | 18.3074% | 2,054 |
| Total risk-based capital ratio | 18.9769% | 2,194 |
| Memoranda: | ||
| Average total assets | $763,649,000 | 889 |
| Average earning assets | $718,475,000 | 856 |
| Average equity | $98,527,800 | 745 |
| Average total loans | $538,995,000 | 819 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6547% | 246 |
| Cost of funding earning assets | 0.9454% | 312 |
| Net interest margin | 4.7094% | 498 |
| Noninterest income to average assets | 0.6577% | 2,532 |
| Noninterest expense to average assets | 4.0846% | 697 |
| Loan and lease loss provision to assets | 0.0333% | 3,740 |
| Net operating income to assets | 0.6340% | 4,288 |
| Return on assets (ROA) | 0.6340% | 4,392 |
| Pretax return on assets | 0.9646% | 3,739 |
| Return on Equity (ROE) | 4.8838% | 4,776 |
| Retained earnings to average equity (ytd only) | 4.8838% | 3,169 |
| Net charge-offs to loans | 0.1292% | 2,502 |
| Credit loss provision to net charge-offs | 36.7188% | 3,339 |
| Earnings coverage of net charge-offs (x) | 11.0059% | 2,480 |
| Efficiency ratio | 80.3665% | 1,860 |
| Assets per employee ($millions) | 4.4564% | 3,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6762% | 6,134 |
| Loan loss allowance to noncurrent loans | 49.8863% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 1.2319% | 2,496 |
| Noncurrent loans to loans | 1.3555% | 2,379 |
| Net loans and leases to total assets | 70.2128% | 2,163 |
| Net loans and leases to deposits | 89.0809% | 1,545 |
| Net loans and leases to core deposits | 89.3453% | 2,285 |
| Total domestic deposits to total assets | 78.8192% | 5,366 |
| Equity capital to assets | 12.8089% | 1,517 |
| Core capital (leverage) ratio | 13.3082% | 1,061 |
| Tier 1 risk-based capital ratio | 18.8747% | 1,938 |
| Total risk-based capital ratio | 19.5748% | 2,073 |
| Memoranda: | ||
| Average total assets | $752,915,000 | 911 |
| Average earning assets | $707,424,500 | 871 |
| Average equity | $97,736,250 | 748 |
| Average total loans | $528,529,000 | 835 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4029% | 367 |
| Cost of funding earning assets | 0.9483% | 319 |
| Net interest margin | 4.4546% | 772 |
| Noninterest income to average assets | 0.6847% | 2,357 |
| Noninterest expense to average assets | 4.2165% | 586 |
| Loan and lease loss provision to assets | 0.0492% | 3,318 |
| Net operating income to assets | 0.4094% | 5,180 |
| Return on assets (ROA) | 0.4094% | 5,264 |
| Pretax return on assets | 0.5968% | 4,965 |
| Return on Equity (ROE) | 3.1396% | 5,481 |
| Retained earnings to average equity (ytd only) | 3.1396% | 4,208 |
| Net charge-offs to loans | 0.1386% | 2,283 |
| Credit loss provision to net charge-offs | 50.6925% | 2,786 |
| Earnings coverage of net charge-offs (x) | 6.6565% | 2,742 |
| Efficiency ratio | 86.7142% | 1,198 |
| Assets per employee ($millions) | 4.0597% | 3,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7325% | 6,123 |
| Loan loss allowance to noncurrent loans | 51.0072% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 1.2544% | 2,600 |
| Noncurrent loans to loans | 1.4361% | 2,405 |
| Net loans and leases to total assets | 69.1536% | 2,210 |
| Net loans and leases to deposits | 88.1021% | 1,587 |
| Net loans and leases to core deposits | 88.4511% | 2,266 |
| Total domestic deposits to total assets | 78.4926% | 5,550 |
| Equity capital to assets | 12.9187% | 1,416 |
| Core capital (leverage) ratio | 13.2216% | 1,077 |
| Tier 1 risk-based capital ratio | 19.3539% | 1,839 |
| Total risk-based capital ratio | 20.1152% | 1,920 |
| Memoranda: | ||
| Average total assets | $743,932,330 | 915 |
| Average earning assets | $697,699,000 | 882 |
| Average equity | $97,017,670 | 753 |
| Average total loans | $520,941,330 | 844 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0242% | 688 |
| Cost of funding earning assets | 0.9528% | 334 |
| Net interest margin | 4.0715% | 1,540 |
| Noninterest income to average assets | 0.5927% | 2,779 |
| Noninterest expense to average assets | 3.8717% | 901 |
| Loan and lease loss provision to assets | 0.0978% | 2,293 |
| Net operating income to assets | 0.2662% | 5,610 |
| Return on assets (ROA) | 0.2662% | 5,652 |
| Pretax return on assets | 0.4373% | 5,340 |
| Return on Equity (ROE) | 2.0313% | 5,777 |
| Retained earnings to average equity (ytd only) | 2.0313% | 4,796 |
| Net charge-offs to loans | 0.1725% | 1,684 |
| Credit loss provision to net charge-offs | 80.7175% | 1,894 |
| Earnings coverage of net charge-offs (x) | 4.4170% | 2,533 |
| Efficiency ratio | 87.8575% | 1,240 |
| Assets per employee ($millions) | 3.9230% | 4,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7641% | 6,168 |
| Loan loss allowance to noncurrent loans | 52.2209% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 1.2879% | 2,717 |
| Noncurrent loans to loans | 1.4632% | 2,597 |
| Net loans and leases to total assets | 69.8523% | 1,916 |
| Net loans and leases to deposits | 88.5153% | 1,304 |
| Net loans and leases to core deposits | 88.8676% | 2,012 |
| Total domestic deposits to total assets | 78.9156% | 5,700 |
| Equity capital to assets | 12.9778% | 1,315 |
| Core capital (leverage) ratio | 13.2160% | 1,081 |
| Tier 1 risk-based capital ratio | 19.3342% | 1,873 |
| Total risk-based capital ratio | 20.1252% | 1,964 |
| Memoranda: | ||
| Average total assets | $736,316,000 | 926 |
| Average earning assets | $689,775,000 | 894 |
| Average equity | $96,489,500 | 758 |
| Average total loans | $516,980,000 | 852 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9879% | 172 |
| Cost of funding earning assets | 1.1129% | 267 |
| Net interest margin | 4.8750% | 380 |
| Noninterest income to average assets | 1.1894% | 1,005 |
| Noninterest expense to average assets | 4.7835% | 415 |
| Loan and lease loss provision to assets | 0.0114% | 4,900 |
| Net operating income to assets | 0.6523% | 4,022 |
| Return on assets (ROA) | 0.6523% | 4,126 |
| Pretax return on assets | 0.9468% | 3,571 |
| Return on Equity (ROE) | 4.9443% | 4,658 |
| Retained earnings to average equity (ytd only) | 4.9443% | 2,633 |
| Net charge-offs to loans | 0.1011% | 3,823 |
| Credit loss provision to net charge-offs | 17.6991% | 4,486 |
| Earnings coverage of net charge-offs (x) | 14.8628% | 1,914 |
| Efficiency ratio | 83.3114% | 1,712 |
| Assets per employee ($millions) | 3.6917% | 4,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7956% | 6,188 |
| Loan loss allowance to noncurrent loans | 62.2140% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 1.3451% | 2,737 |
| Noncurrent loans to loans | 1.2788% | 2,997 |
| Net loans and leases to total assets | 69.4716% | 2,100 |
| Net loans and leases to deposits | 89.3882% | 1,299 |
| Net loans and leases to core deposits | 89.8971% | 2,042 |
| Total domestic deposits to total assets | 77.7190% | 5,869 |
| Equity capital to assets | 13.2341% | 1,164 |
| Core capital (leverage) ratio | 13.4168% | 985 |
| Tier 1 risk-based capital ratio | 19.5122% | 1,781 |
| Total risk-based capital ratio | 20.3231% | 1,857 |
| Memoranda: | ||
| Average total assets | $701,103,400 | 941 |
| Average earning assets | $654,687,000 | 922 |
| Average equity | $92,489,600 | 758 |
| Average total loans | $447,066,400 | 956 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8785% | 213 |
| Cost of funding earning assets | 1.1371% | 254 |
| Net interest margin | 4.7414% | 485 |
| Noninterest income to average assets | 1.3883% | 757 |
| Noninterest expense to average assets | 4.9947% | 335 |
| Loan and lease loss provision to assets | 0.0152% | 4,706 |
| Net operating income to assets | 0.5619% | 4,520 |
| Return on assets (ROA) | 0.5619% | 4,672 |
| Pretax return on assets | 0.8082% | 4,260 |
| Return on Equity (ROE) | 4.2628% | 5,092 |
| Retained earnings to average equity (ytd only) | 4.2628% | 3,646 |
| Net charge-offs to loans | 0.1224% | 3,317 |
| Credit loss provision to net charge-offs | 19.9495% | 4,077 |
| Earnings coverage of net charge-offs (x) | 10.8307% | 2,312 |
| Efficiency ratio | 85.8486% | 1,372 |
| Assets per employee ($millions) | 3.4799% | 4,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8386% | 6,201 |
| Loan loss allowance to noncurrent loans | 69.9778% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 1.2988% | 3,059 |
| Noncurrent loans to loans | 1.1984% | 3,424 |
| Net loans and leases to total assets | 67.4172% | 2,391 |
| Net loans and leases to deposits | 86.8506% | 1,510 |
| Net loans and leases to core deposits | 88.1049% | 2,175 |
| Total domestic deposits to total assets | 77.6244% | 5,956 |
| Equity capital to assets | 13.1452% | 1,268 |
| Core capital (leverage) ratio | 13.7155% | 948 |
| Tier 1 risk-based capital ratio | 20.0756% | 1,720 |
| Total risk-based capital ratio | 20.9356% | 1,776 |
| Memoranda: | ||
| Average total assets | $694,564,750 | 957 |
| Average earning assets | $648,900,000 | 936 |
| Average equity | $91,550,500 | 773 |
| Average total loans | $431,510,500 | 990 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1979% | 130 |
| Cost of funding earning assets | 1.1646% | 242 |
| Net interest margin | 5.0333% | 294 |
| Noninterest income to average assets | 1.5362% | 663 |
| Noninterest expense to average assets | 5.2842% | 293 |
| Loan and lease loss provision to assets | 0.0006% | 4,782 |
| Net operating income to assets | 0.6715% | 3,952 |
| Return on assets (ROA) | 0.6715% | 4,118 |
| Pretax return on assets | 0.9528% | 3,707 |
| Return on Equity (ROE) | 5.0893% | 4,674 |
| Retained earnings to average equity (ytd only) | 5.0893% | 2,991 |
| Net charge-offs to loans | 0.1912% | 2,607 |
| Credit loss provision to net charge-offs | 0.5076% | 3,996 |
| Earnings coverage of net charge-offs (x) | 8.2995% | 2,421 |
| Efficiency ratio | 84.7153% | 1,557 |
| Assets per employee ($millions) | 3.0435% | 5,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9061% | 6,116 |
| Loan loss allowance to noncurrent loans | 76.1186% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 1.1018% | 3,523 |
| Noncurrent loans to loans | 1.1904% | 3,571 |
| Net loans and leases to total assets | 66.1557% | 2,560 |
| Net loans and leases to deposits | 86.1705% | 1,558 |
| Net loans and leases to core deposits | 87.5700% | 2,162 |
| Total domestic deposits to total assets | 76.7730% | 6,159 |
| Equity capital to assets | 14.0648% | 949 |
| Core capital (leverage) ratio | 14.0827% | 806 |
| Tier 1 risk-based capital ratio | 21.3917% | 1,402 |
| Total risk-based capital ratio | 22.2972% | 1,455 |
| Memoranda: | ||
| Average total assets | $685,970,670 | 972 |
| Average earning assets | $640,732,670 | 955 |
| Average equity | $90,503,670 | 783 |
| Average total loans | $412,099,000 | 1,030 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0593% | 151 |
| Cost of funding earning assets | 1.1769% | 252 |
| Net interest margin | 4.8824% | 350 |
| Noninterest income to average assets | 1.8796% | 469 |
| Noninterest expense to average assets | 4.8096% | 418 |
| Loan and lease loss provision to assets | 0.0006% | 4,408 |
| Net operating income to assets | 1.1108% | 1,813 |
| Return on assets (ROA) | 1.1108% | 1,924 |
| Pretax return on assets | 1.6346% | 1,227 |
| Return on Equity (ROE) | 8.6946% | 2,631 |
| Retained earnings to average equity (ytd only) | 8.6946% | 1,493 |
| Net charge-offs to loans | 0.2012% | 2,212 |
| Credit loss provision to net charge-offs | 0.5025% | 3,236 |
| Earnings coverage of net charge-offs (x) | 14.2915% | 1,464 |
| Efficiency ratio | 74.6275% | 3,147 |
| Assets per employee ($millions) | 3.2403% | 5,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0857% | 5,664 |
| Loan loss allowance to noncurrent loans | 72.2023% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 1.1433% | 3,656 |
| Noncurrent loans to loans | 1.5037% | 3,298 |
| Net loans and leases to total assets | 55.5219% | 4,167 |
| Net loans and leases to deposits | 72.3192% | 3,136 |
| Net loans and leases to core deposits | 73.3645% | 3,655 |
| Total domestic deposits to total assets | 76.7733% | 6,269 |
| Equity capital to assets | 13.6704% | 1,151 |
| Core capital (leverage) ratio | 13.7053% | 872 |
| Tier 1 risk-based capital ratio | 23.7848% | 1,047 |
| Total risk-based capital ratio | 24.8431% | 1,057 |
| Memoranda: | ||
| Average total assets | $695,690,500 | 965 |
| Average earning assets | $650,503,000 | 934 |
| Average equity | $88,882,500 | 807 |
| Average total loans | $395,658,500 | 1,076 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1372% | 1,233 |
| Cost of funding earning assets | 1.4800% | 183 |
| Net interest margin | 3.6572% | 3,842 |
| Noninterest income to average assets | 1.6010% | 621 |
| Noninterest expense to average assets | 4.4567% | 597 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3891% | 5,141 |
| Return on assets (ROA) | 0.5626% | 4,674 |
| Pretax return on assets | 0.8018% | 4,287 |
| Return on Equity (ROE) | 4.7796% | 4,795 |
| Retained earnings to average equity (ytd only) | 2.7859% | 4,285 |
| Net charge-offs to loans | 0.2702% | 3,316 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 3.4990% | 3,702 |
| Efficiency ratio | 88.9437% | 1,151 |
| Assets per employee ($millions) | 3.1870% | 5,653 |
| Cash dividends to net income (ytd only)* | 41.7130% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 5,553 |
| Loan loss allowance to noncurrent loans | 57.8830% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 1.4858% | 3,159 |
| Noncurrent loans to loans | 1.9008% | 2,804 |
| Net loans and leases to total assets | 56.9756% | 4,122 |
| Net loans and leases to deposits | 73.7147% | 3,146 |
| Net loans and leases to core deposits | 74.7982% | 3,682 |
| Total domestic deposits to total assets | 77.2921% | 6,193 |
| Equity capital to assets | 11.8877% | 2,121 |
| Core capital (leverage) ratio | 12.1083% | 1,507 |
| Tier 1 risk-based capital ratio | 20.0817% | 1,650 |
| Total risk-based capital ratio | 21.1512% | 1,673 |
| Memoranda: | ||
| Average total assets | $639,166,200 | 1,034 |
| Average earning assets | $595,926,200 | 1,009 |
| Average equity | $75,235,800 | 944 |
| Average total loans | $374,546,200 | 1,118 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0745% | 1,487 |
| Cost of funding earning assets | 1.5526% | 157 |
| Net interest margin | 3.5219% | 4,558 |
| Noninterest income to average assets | 1.4764% | 686 |
| Noninterest expense to average assets | 4.4446% | 573 |
| Loan and lease loss provision to assets | 0.1364% | 3,844 |
| Net operating income to assets | 0.1312% | 6,068 |
| Return on assets (ROA) | 0.3781% | 5,544 |
| Pretax return on assets | 0.5173% | 5,411 |
| Return on Equity (ROE) | 3.2213% | 5,601 |
| Retained earnings to average equity (ytd only) | 0.4929% | 5,940 |
| Net charge-offs to loans | 0.3209% | 2,841 |
| Credit loss provision to net charge-offs | 72.2034% | 3,845 |
| Earnings coverage of net charge-offs (x) | 1.6701% | 4,438 |
| Efficiency ratio | 93.3707% | 818 |
| Assets per employee ($millions) | 3.3136% | 5,414 |
| Cash dividends to net income (ytd only)* | 84.6981% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3303% | 4,673 |
| Loan loss allowance to noncurrent loans | 85.5307% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 1.2782% | 3,732 |
| Noncurrent loans to loans | 1.5554% | 3,451 |
| Net loans and leases to total assets | 58.0858% | 4,123 |
| Net loans and leases to deposits | 77.1632% | 2,782 |
| Net loans and leases to core deposits | 78.7983% | 3,352 |
| Total domestic deposits to total assets | 75.2766% | 6,479 |
| Equity capital to assets | 12.2754% | 2,059 |
| Core capital (leverage) ratio | 12.1646% | 1,552 |
| Tier 1 risk-based capital ratio | 20.4194% | 1,649 |
| Total risk-based capital ratio | 21.6701% | 1,617 |
| Memoranda: | ||
| Average total assets | $624,469,000 | 1,063 |
| Average earning assets | $582,245,500 | 1,045 |
| Average equity | $73,302,000 | 968 |
| Average total loans | $367,660,750 | 1,148 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0797% | 1,563 |
| Cost of funding earning assets | 1.5912% | 158 |
| Net interest margin | 3.4885% | 4,724 |
| Noninterest income to average assets | 1.4873% | 657 |
| Noninterest expense to average assets | 4.5053% | 549 |
| Loan and lease loss provision to assets | 0.1344% | 3,847 |
| Net operating income to assets | 0.0795% | 6,204 |
| Return on assets (ROA) | 0.2707% | 5,900 |
| Pretax return on assets | 0.3394% | 5,864 |
| Return on Equity (ROE) | 2.3450% | 5,936 |
| Retained earnings to average equity (ytd only) | -1.9032% | 6,349 |
| Net charge-offs to loans | 0.2726% | 2,950 |
| Credit loss provision to net charge-offs | 83.7067% | 3,220 |
| Earnings coverage of net charge-offs (x) | 1.4623% | 4,267 |
| Efficiency ratio | 95.0476% | 751 |
| Assets per employee ($millions) | 3.2536% | 5,549 |
| Cash dividends to net income (ytd only)* | 181.1594% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4546% | 4,229 |
| Loan loss allowance to noncurrent loans | 76.0904% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 1.2076% | 3,997 |
| Noncurrent loans to loans | 1.9117% | 3,059 |
| Net loans and leases to total assets | 54.9385% | 4,640 |
| Net loans and leases to deposits | 76.1635% | 2,967 |
| Net loans and leases to core deposits | 77.8000% | 3,549 |
| Total domestic deposits to total assets | 72.1323% | 6,792 |
| Equity capital to assets | 10.7301% | 3,420 |
| Core capital (leverage) ratio | 11.4311% | 1,941 |
| Tier 1 risk-based capital ratio | 18.8919% | 1,995 |
| Total risk-based capital ratio | 20.1440% | 1,973 |
| Memoranda: | ||
| Average total assets | $611,720,000 | 1,088 |
| Average earning assets | $570,382,670 | 1,063 |
| Average equity | $70,619,000 | 996 |
| Average total loans | $360,169,670 | 1,163 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6406% | 3,309 |
| Cost of funding earning assets | 1.6573% | 145 |
| Net interest margin | 2.9833% | 6,326 |
| Noninterest income to average assets | 1.4227% | 720 |
| Noninterest expense to average assets | 4.6099% | 500 |
| Loan and lease loss provision to assets | 0.0681% | 4,557 |
| Net operating income to assets | -0.4556% | 6,800 |
| Return on assets (ROA) | 0.0422% | 6,466 |
| Pretax return on assets | 0.0204% | 6,500 |
| Return on Equity (ROE) | 0.3518% | 6,468 |
| Retained earnings to average equity (ytd only) | -8.1596% | 6,769 |
| Net charge-offs to loans | 0.1921% | 2,960 |
| Credit loss provision to net charge-offs | 58.4795% | 3,145 |
| Earnings coverage of net charge-offs (x) | -3.5146% | 4,651 |
| Efficiency ratio | 109.7438% | 338 |
| Assets per employee ($millions) | 2.9980% | 6,154 |
| Cash dividends to net income (ytd only)* | 2,419.3548% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5132% | 4,091 |
| Loan loss allowance to noncurrent loans | 85.5525% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 1.2200% | 4,097 |
| Noncurrent loans to loans | 1.7688% | 3,456 |
| Net loans and leases to total assets | 59.4227% | 3,788 |
| Net loans and leases to deposits | 86.2252% | 1,394 |
| Net loans and leases to core deposits | 88.1738% | 2,031 |
| Total domestic deposits to total assets | 68.9156% | 7,023 |
| Equity capital to assets | 11.7945% | 2,190 |
| Core capital (leverage) ratio | 11.9060% | 1,643 |
| Tier 1 risk-based capital ratio | 19.1474% | 1,948 |
| Total risk-based capital ratio | 20.4010% | 1,917 |
| Memoranda: | ||
| Average total assets | $587,344,500 | 1,144 |
| Average earning assets | $546,906,500 | 1,112 |
| Average equity | $70,494,000 | 994 |
| Average total loans | $356,150,000 | 1,180 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3791% | 5,501 |
| Cost of funding earning assets | 1.7115% | 309 |
| Net interest margin | 2.6676% | 6,955 |
| Noninterest income to average assets | 2.0141% | 374 |
| Noninterest expense to average assets | 5.2170% | 327 |
| Loan and lease loss provision to assets | 0.1122% | 5,187 |
| Net operating income to assets | -0.8130% | 6,661 |
| Return on assets (ROA) | 0.0612% | 6,056 |
| Pretax return on assets | 0.0250% | 6,080 |
| Return on Equity (ROE) | 0.5061% | 6,061 |
| Retained earnings to average equity (ytd only) | 0.5061% | 5,602 |
| Net charge-offs to loans | 0.3571% | 3,618 |
| Credit loss provision to net charge-offs | 55.2999% | 5,293 |
| Earnings coverage of net charge-offs (x) | -3.6319% | 6,342 |
| Efficiency ratio | 106.3005% | 513 |
| Assets per employee ($millions) | 2.9801% | 6,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5194% | 3,936 |
| Loan loss allowance to noncurrent loans | 64.4152% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 1.5778% | 3,579 |
| Noncurrent loans to loans | 2.3588% | 2,781 |
| Net loans and leases to total assets | 60.0133% | 3,990 |
| Net loans and leases to deposits | 87.7418% | 1,418 |
| Net loans and leases to core deposits | 91.8174% | 1,904 |
| Total domestic deposits to total assets | 68.3976% | 7,057 |
| Equity capital to assets | 12.2100% | 1,962 |
| Core capital (leverage) ratio | 12.1848% | 1,501 |
| Tier 1 risk-based capital ratio | 19.3585% | 1,801 |
| Total risk-based capital ratio | 20.6114% | 1,770 |
| Memoranda: | ||
| Average total assets | $599,786,000 | 1,096 |
| Average earning assets | $554,472,600 | 1,071 |
| Average equity | $72,514,800 | 931 |
| Average total loans | $340,772,400 | 1,243 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2936% | 5,968 |
| Cost of funding earning assets | 1.7243% | 357 |
| Net interest margin | 2.5693% | 7,096 |
| Noninterest income to average assets | 2.2442% | 314 |
| Noninterest expense to average assets | 5.5242% | 255 |
| Loan and lease loss provision to assets | 0.1190% | 4,949 |
| Net operating income to assets | -0.6049% | 6,699 |
| Return on assets (ROA) | 0.0168% | 6,230 |
| Pretax return on assets | -0.0562% | 6,286 |
| Return on Equity (ROE) | 0.1393% | 6,232 |
| Retained earnings to average equity (ytd only) | 0.1393% | 5,917 |
| Net charge-offs to loans | 0.4077% | 3,093 |
| Credit loss provision to net charge-offs | 52.2838% | 4,986 |
| Earnings coverage of net charge-offs (x) | -3.9932% | 6,080 |
| Efficiency ratio | 106.6210% | 490 |
| Assets per employee ($millions) | 3.0170% | 6,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6841% | 3,323 |
| Loan loss allowance to noncurrent loans | 57.5246% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 1.7144% | 3,522 |
| Noncurrent loans to loans | 2.9276% | 2,380 |
| Net loans and leases to total assets | 55.3195% | 4,953 |
| Net loans and leases to deposits | 81.3035% | 2,486 |
| Net loans and leases to core deposits | 85.3239% | 2,871 |
| Total domestic deposits to total assets | 68.0407% | 7,137 |
| Equity capital to assets | 12.4550% | 1,944 |
| Core capital (leverage) ratio | 12.1796% | 1,605 |
| Tier 1 risk-based capital ratio | 21.1874% | 1,422 |
| Total risk-based capital ratio | 22.4423% | 1,399 |
| Memoranda: | ||
| Average total assets | $602,961,250 | 1,092 |
| Average earning assets | $556,499,000 | 1,078 |
| Average equity | $72,722,750 | 933 |
| Average total loans | $336,524,250 | 1,269 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4031% | 5,683 |
| Cost of funding earning assets | 1.7273% | 424 |
| Net interest margin | 2.6759% | 7,052 |
| Noninterest income to average assets | 2.0329% | 355 |
| Noninterest expense to average assets | 5.6864% | 241 |
| Loan and lease loss provision to assets | 0.0756% | 5,368 |
| Net operating income to assets | -1.1533% | 6,990 |
| Return on assets (ROA) | 0.2190% | 5,787 |
| Pretax return on assets | 0.2420% | 5,830 |
| Return on Equity (ROE) | 1.8350% | 5,851 |
| Retained earnings to average equity (ytd only) | 1.8350% | 5,067 |
| Net charge-offs to loans | 0.4399% | 2,814 |
| Credit loss provision to net charge-offs | 30.8824% | 4,973 |
| Earnings coverage of net charge-offs (x) | -4.8610% | 5,795 |
| Efficiency ratio | 107.5080% | 524 |
| Assets per employee ($millions) | 2.3615% | 7,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7140% | 3,283 |
| Loan loss allowance to noncurrent loans | 52.3828% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 1.8678% | 3,411 |
| Noncurrent loans to loans | 3.2721% | 2,183 |
| Net loans and leases to total assets | 53.0619% | 5,426 |
| Net loans and leases to deposits | 77.8941% | 3,136 |
| Net loans and leases to core deposits | 84.9102% | 3,085 |
| Total domestic deposits to total assets | 68.1205% | 7,187 |
| Equity capital to assets | 12.1211% | 2,016 |
| Core capital (leverage) ratio | 10.6860% | 2,534 |
| Tier 1 risk-based capital ratio | 19.1768% | 1,791 |
| Total risk-based capital ratio | 20.4322% | 1,756 |
| Memoranda: | ||
| Average total assets | $610,861,330 | 1,083 |
| Average earning assets | $562,280,670 | 1,076 |
| Average equity | $72,914,670 | 933 |
| Average total loans | $340,054,670 | 1,271 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6089% | 4,905 |
| Cost of funding earning assets | 1.7111% | 526 |
| Net interest margin | 2.8979% | 6,766 |
| Noninterest income to average assets | 1.9391% | 372 |
| Noninterest expense to average assets | 5.0220% | 359 |
| Loan and lease loss provision to assets | -0.0728% | 7,479 |
| Net operating income to assets | -0.2464% | 6,608 |
| Return on assets (ROA) | 0.4315% | 4,882 |
| Pretax return on assets | 0.6015% | 4,683 |
| Return on Equity (ROE) | 3.6417% | 5,075 |
| Retained earnings to average equity (ytd only) | 3.6417% | 3,992 |
| Net charge-offs to loans | 0.3308% | 2,732 |
| Credit loss provision to net charge-offs | -38.9655% | 5,639 |
| Earnings coverage of net charge-offs (x) | -2.2103% | 4,969 |
| Efficiency ratio | 104.4013% | 613 |
| Assets per employee ($millions) | 2.3551% | 7,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7089% | 3,308 |
| Loan loss allowance to noncurrent loans | 59.7045% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 1.6693% | 3,747 |
| Noncurrent loans to loans | 2.8622% | 2,635 |
| Net loans and leases to total assets | 53.2055% | 5,421 |
| Net loans and leases to deposits | 79.6426% | 2,779 |
| Net loans and leases to core deposits | 86.9805% | 2,737 |
| Total domestic deposits to total assets | 66.8053% | 7,305 |
| Equity capital to assets | 12.1580% | 1,823 |
| Core capital (leverage) ratio | 10.2026% | 2,928 |
| Tier 1 risk-based capital ratio | 18.2974% | 2,022 |
| Total risk-based capital ratio | 19.5528% | 1,974 |
| Memoranda: | ||
| Average total assets | $621,103,500 | 1,071 |
| Average earning assets | $572,279,000 | 1,062 |
| Average equity | $73,592,000 | 916 |
| Average total loans | $350,718,000 | 1,248 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2700% | 3,271 |
| Cost of funding earning assets | 2.0621% | 487 |
| Net interest margin | 3.2080% | 6,251 |
| Noninterest income to average assets | 2.1816% | 341 |
| Noninterest expense to average assets | 3.8908% | 1,331 |
| Loan and lease loss provision to assets | 0.3059% | 4,356 |
| Net operating income to assets | 0.6560% | 3,412 |
| Return on assets (ROA) | 0.6397% | 3,642 |
| Pretax return on assets | 0.9051% | 3,267 |
| Return on Equity (ROE) | 5.9982% | 3,610 |
| Retained earnings to average equity (ytd only) | 3.3499% | 3,523 |
| Net charge-offs to loans | 0.4627% | 3,768 |
| Credit loss provision to net charge-offs | 106.0234% | 4,221 |
| Earnings coverage of net charge-offs (x) | 4.2766% | 2,989 |
| Efficiency ratio | 73.7196% | 3,458 |
| Assets per employee ($millions) | 2.5071% | 7,002 |
| Cash dividends to net income (ytd only)* | 44.1509% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5943% | 3,595 |
| Loan loss allowance to noncurrent loans | 69.0691% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 1.4847% | 4,087 |
| Noncurrent loans to loans | 2.3083% | 3,214 |
| Net loans and leases to total assets | 57.7349% | 5,066 |
| Net loans and leases to deposits | 96.7679% | 796 |
| Net loans and leases to core deposits | 106.4118% | 1,164 |
| Total domestic deposits to total assets | 59.6633% | 7,512 |
| Equity capital to assets | 11.5568% | 2,215 |
| Core capital (leverage) ratio | 9.6769% | 3,462 |
| Tier 1 risk-based capital ratio | 15.7408% | 2,870 |
| Total risk-based capital ratio | 16.9949% | 2,832 |
| Memoranda: | ||
| Average total assets | $621,384,800 | 1,075 |
| Average earning assets | $570,108,600 | 1,059 |
| Average equity | $66,269,800 | 1,012 |
| Average total loans | $387,487,000 | 1,162 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3945% | 2,910 |
| Cost of funding earning assets | 2.1218% | 502 |
| Net interest margin | 3.2728% | 6,102 |
| Noninterest income to average assets | 2.1453% | 341 |
| Noninterest expense to average assets | 3.9007% | 1,203 |
| Loan and lease loss provision to assets | 0.3127% | 4,079 |
| Net operating income to assets | 0.6566% | 3,616 |
| Return on assets (ROA) | 0.6467% | 3,830 |
| Pretax return on assets | 0.9155% | 3,508 |
| Return on Equity (ROE) | 6.1977% | 3,726 |
| Retained earnings to average equity (ytd only) | 3.5981% | 3,917 |
| Net charge-offs to loans | 0.4974% | 3,285 |
| Credit loss provision to net charge-offs | 99.3137% | 4,391 |
| Earnings coverage of net charge-offs (x) | 3.9451% | 3,241 |
| Efficiency ratio | 73.6300% | 3,392 |
| Assets per employee ($millions) | 2.6020% | 6,935 |
| Cash dividends to net income (ytd only)* | 41.9452% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 3,846 |
| Loan loss allowance to noncurrent loans | 65.1478% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 1.5951% | 4,057 |
| Noncurrent loans to loans | 2.3422% | 3,297 |
| Net loans and leases to total assets | 60.3268% | 4,847 |
| Net loans and leases to deposits | 98.4787% | 766 |
| Net loans and leases to core deposits | 108.4718% | 1,126 |
| Total domestic deposits to total assets | 61.2587% | 7,574 |
| Equity capital to assets | 10.4838% | 3,540 |
| Core capital (leverage) ratio | 8.2028% | 6,034 |
| Tier 1 risk-based capital ratio | 12.8219% | 4,714 |
| Total risk-based capital ratio | 14.0752% | 4,698 |
| Memoranda: | ||
| Average total assets | $616,905,250 | 1,088 |
| Average earning assets | $565,053,500 | 1,076 |
| Average equity | $64,366,500 | 1,038 |
| Average total loans | $390,588,500 | 1,165 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5054% | 2,491 |
| Cost of funding earning assets | 2.1610% | 527 |
| Net interest margin | 3.3444% | 5,853 |
| Noninterest income to average assets | 2.0932% | 333 |
| Noninterest expense to average assets | 3.9631% | 1,091 |
| Loan and lease loss provision to assets | 0.3221% | 3,814 |
| Net operating income to assets | 0.6141% | 3,819 |
| Return on assets (ROA) | 0.5962% | 4,031 |
| Pretax return on assets | 0.8388% | 3,743 |
| Return on Equity (ROE) | 5.7239% | 3,928 |
| Retained earnings to average equity (ytd only) | 4.1591% | 3,422 |
| Net charge-offs to loans | 0.5368% | 2,919 |
| Credit loss provision to net charge-offs | 93.7381% | 4,304 |
| Earnings coverage of net charge-offs (x) | 3.4516% | 3,318 |
| Efficiency ratio | 74.7388% | 3,322 |
| Assets per employee ($millions) | 2.5543% | 7,033 |
| Cash dividends to net income (ytd only)* | 27.3373% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4641% | 4,100 |
| Loan loss allowance to noncurrent loans | 65.6713% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.6177% | 4,018 |
| Noncurrent loans to loans | 2.2294% | 3,450 |
| Net loans and leases to total assets | 62.9547% | 4,477 |
| Net loans and leases to deposits | 101.3692% | 632 |
| Net loans and leases to core deposits | 111.8971% | 1,038 |
| Total domestic deposits to total assets | 62.1043% | 7,624 |
| Equity capital to assets | 10.5646% | 3,330 |
| Core capital (leverage) ratio | 8.2350% | 5,881 |
| Tier 1 risk-based capital ratio | 12.3291% | 5,016 |
| Total risk-based capital ratio | 13.5816% | 4,989 |
| Memoranda: | ||
| Average total assets | $613,509,330 | 1,096 |
| Average earning assets | $560,581,330 | 1,090 |
| Average equity | $63,907,670 | 1,044 |
| Average total loans | $392,729,000 | 1,172 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6252% | 2,050 |
| Cost of funding earning assets | 2.2017% | 588 |
| Net interest margin | 3.4235% | 5,487 |
| Noninterest income to average assets | 2.0108% | 335 |
| Noninterest expense to average assets | 3.9304% | 1,126 |
| Loan and lease loss provision to assets | 0.4119% | 2,898 |
| Net operating income to assets | 0.5496% | 4,140 |
| Return on assets (ROA) | 0.5174% | 4,447 |
| Pretax return on assets | 0.7496% | 4,064 |
| Return on Equity (ROE) | 5.0036% | 4,357 |
| Retained earnings to average equity (ytd only) | 5.0036% | 3,153 |
| Net charge-offs to loans | 0.5906% | 2,327 |
| Credit loss provision to net charge-offs | 108.8388% | 3,161 |
| Earnings coverage of net charge-offs (x) | 3.1924% | 2,989 |
| Efficiency ratio | 74.2310% | 3,542 |
| Assets per employee ($millions) | 2.4595% | 7,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5222% | 3,799 |
| Loan loss allowance to noncurrent loans | 60.1686% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 1.9021% | 3,633 |
| Noncurrent loans to loans | 2.5298% | 3,142 |
| Net loans and leases to total assets | 62.8239% | 4,579 |
| Net loans and leases to deposits | 100.2724% | 737 |
| Net loans and leases to core deposits | 112.5575% | 1,126 |
| Total domestic deposits to total assets | 62.6533% | 7,704 |
| Equity capital to assets | 10.4427% | 3,302 |
| Core capital (leverage) ratio | 8.1470% | 5,996 |
| Tier 1 risk-based capital ratio | 12.0690% | 5,126 |
| Total risk-based capital ratio | 13.3217% | 5,091 |
| Memoranda: | ||
| Average total assets | $609,916,000 | 1,129 |
| Average earning assets | $557,210,500 | 1,120 |
| Average equity | $63,074,500 | 1,062 |
| Average total loans | $390,812,000 | 1,211 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8237% | 2,559 |
| Cost of funding earning assets | 2.5680% | 857 |
| Net interest margin | 3.2557% | 5,905 |
| Noninterest income to average assets | 1.7890% | 459 |
| Noninterest expense to average assets | 3.9456% | 1,445 |
| Loan and lease loss provision to assets | 0.3229% | 4,878 |
| Net operating income to assets | 0.3777% | 4,220 |
| Return on assets (ROA) | 0.4056% | 4,213 |
| Pretax return on assets | 0.5357% | 4,090 |
| Return on Equity (ROE) | 4.0295% | 4,083 |
| Retained earnings to average equity (ytd only) | 3.2095% | 2,913 |
| Net charge-offs to loans | 0.4531% | 3,967 |
| Credit loss provision to net charge-offs | 108.3657% | 5,108 |
| Earnings coverage of net charge-offs (x) | 2.7579% | 3,718 |
| Efficiency ratio | 80.2092% | 2,858 |
| Assets per employee ($millions) | 2.4995% | 7,207 |
| Cash dividends to net income (ytd only)* | 20.3500% | 3,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4960% | 3,749 |
| Loan loss allowance to noncurrent loans | 47.7670% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 2.1327% | 3,231 |
| Noncurrent loans to loans | 3.1319% | 2,445 |
| Net loans and leases to total assets | 63.3950% | 4,725 |
| Net loans and leases to deposits | 102.8366% | 704 |
| Net loans and leases to core deposits | 144.1745% | 665 |
| Total domestic deposits to total assets | 61.6463% | 7,770 |
| Equity capital to assets | 10.2403% | 3,469 |
| Core capital (leverage) ratio | 7.9725% | 6,235 |
| Tier 1 risk-based capital ratio | 11.5978% | 5,296 |
| Total risk-based capital ratio | 12.8504% | 5,252 |
| Memoranda: | ||
| Average total assets | $605,708,000 | 1,144 |
| Average earning assets | $554,132,200 | 1,137 |
| Average equity | $60,975,200 | 1,089 |
| Average total loans | $398,328,200 | 1,208 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8726% | 2,574 |
| Cost of funding earning assets | 2.6531% | 903 |
| Net interest margin | 3.2195% | 5,950 |
| Noninterest income to average assets | 1.7537% | 474 |
| Noninterest expense to average assets | 3.9651% | 1,327 |
| Loan and lease loss provision to assets | 0.3314% | 4,353 |
| Net operating income to assets | 0.3082% | 4,763 |
| Return on assets (ROA) | 0.3455% | 4,714 |
| Pretax return on assets | 0.4527% | 4,658 |
| Return on Equity (ROE) | 3.4473% | 4,599 |
| Retained earnings to average equity (ytd only) | 2.3474% | 4,015 |
| Net charge-offs to loans | 0.4799% | 3,308 |
| Credit loss provision to net charge-offs | 104.4475% | 4,867 |
| Earnings coverage of net charge-offs (x) | 2.3162% | 4,091 |
| Efficiency ratio | 81.7781% | 2,611 |
| Assets per employee ($millions) | 2.5069% | 7,217 |
| Cash dividends to net income (ytd only)* | 31.9081% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 3,601 |
| Loan loss allowance to noncurrent loans | 54.6528% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 1.8193% | 3,624 |
| Noncurrent loans to loans | 2.6879% | 2,823 |
| Net loans and leases to total assets | 64.4922% | 4,752 |
| Net loans and leases to deposits | 101.3914% | 977 |
| Net loans and leases to core deposits | 141.8752% | 839 |
| Total domestic deposits to total assets | 63.6071% | 7,781 |
| Equity capital to assets | 10.2618% | 3,775 |
| Core capital (leverage) ratio | 7.8714% | 6,543 |
| Tier 1 risk-based capital ratio | 11.3471% | 5,593 |
| Total risk-based capital ratio | 12.5992% | 5,525 |
| Memoranda: | ||
| Average total assets | $604,663,500 | 1,160 |
| Average earning assets | $553,358,000 | 1,151 |
| Average equity | $60,605,500 | 1,110 |
| Average total loans | $399,783,000 | 1,221 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9538% | 2,366 |
| Cost of funding earning assets | 2.7273% | 973 |
| Net interest margin | 3.2264% | 5,819 |
| Noninterest income to average assets | 1.7224% | 492 |
| Noninterest expense to average assets | 3.9982% | 1,319 |
| Loan and lease loss provision to assets | 0.3566% | 3,788 |
| Net operating income to assets | 0.2484% | 5,090 |
| Return on assets (ROA) | 0.3084% | 4,972 |
| Pretax return on assets | 0.3946% | 4,951 |
| Return on Equity (ROE) | 3.1016% | 4,860 |
| Retained earnings to average equity (ytd only) | 3.1016% | 3,588 |
| Net charge-offs to loans | 0.5162% | 2,777 |
| Credit loss provision to net charge-offs | 104.1466% | 4,412 |
| Earnings coverage of net charge-offs (x) | 1.9691% | 4,110 |
| Efficiency ratio | 82.9894% | 2,609 |
| Assets per employee ($millions) | 2.4118% | 7,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4552% | 3,439 |
| Loan loss allowance to noncurrent loans | 58.2575% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 1.6895% | 3,650 |
| Noncurrent loans to loans | 2.4979% | 2,902 |
| Net loans and leases to total assets | 65.5213% | 4,664 |
| Net loans and leases to deposits | 100.6688% | 1,217 |
| Net loans and leases to core deposits | 139.8725% | 1,016 |
| Total domestic deposits to total assets | 65.0860% | 7,789 |
| Equity capital to assets | 10.0819% | 3,837 |
| Core capital (leverage) ratio | 7.7236% | 6,718 |
| Tier 1 risk-based capital ratio | 11.2594% | 5,631 |
| Total risk-based capital ratio | 12.5116% | 5,544 |
| Memoranda: | ||
| Average total assets | $605,665,000 | 1,178 |
| Average earning assets | $553,800,000 | 1,169 |
| Average equity | $60,227,000 | 1,132 |
| Average total loans | $401,774,670 | 1,237 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9432% | 2,593 |
| Cost of funding earning assets | 2.7641% | 1,076 |
| Net interest margin | 3.1791% | 5,927 |
| Noninterest income to average assets | 1.7483% | 447 |
| Noninterest expense to average assets | 3.7770% | 1,514 |
| Loan and lease loss provision to assets | 0.3767% | 3,066 |
| Net operating income to assets | 0.3832% | 4,928 |
| Return on assets (ROA) | 0.3832% | 5,111 |
| Pretax return on assets | 0.5103% | 5,056 |
| Return on Equity (ROE) | 3.8799% | 4,989 |
| Retained earnings to average equity (ytd only) | 3.8799% | 3,733 |
| Net charge-offs to loans | 0.6109% | 1,952 |
| Credit loss provision to net charge-offs | 93.0421% | 3,944 |
| Earnings coverage of net charge-offs (x) | 2.1909% | 3,645 |
| Efficiency ratio | 78.4410% | 3,097 |
| Assets per employee ($millions) | 2.5102% | 7,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4208% | 3,383 |
| Loan loss allowance to noncurrent loans | 65.4374% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 1.4626% | 3,741 |
| Noncurrent loans to loans | 2.1712% | 3,022 |
| Net loans and leases to total assets | 65.1225% | 4,788 |
| Net loans and leases to deposits | 105.7112% | 892 |
| Net loans and leases to core deposits | 143.5874% | 949 |
| Total domestic deposits to total assets | 61.6042% | 7,927 |
| Equity capital to assets | 10.0473% | 3,950 |
| Core capital (leverage) ratio | 7.6961% | 6,894 |
| Tier 1 risk-based capital ratio | 11.2253% | 5,673 |
| Total risk-based capital ratio | 12.4770% | 5,585 |
| Memoranda: | ||
| Average total assets | $610,637,000 | 1,169 |
| Average earning assets | $560,032,000 | 1,163 |
| Average equity | $60,310,500 | 1,140 |
| Average total loans | $404,618,000 | 1,243 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3493% | 3,695 |
| Cost of funding earning assets | 3.3312% | 851 |
| Net interest margin | 3.0180% | 6,859 |
| Noninterest income to average assets | 1.9183% | 371 |
| Noninterest expense to average assets | 3.9190% | 1,530 |
| Loan and lease loss provision to assets | 0.2498% | 4,420 |
| Net operating income to assets | 0.3819% | 5,220 |
| Return on assets (ROA) | 0.3825% | 5,035 |
| Pretax return on assets | 0.5030% | 4,966 |
| Return on Equity (ROE) | 4.2206% | 4,729 |
| Retained earnings to average equity (ytd only) | 2.6030% | 3,570 |
| Net charge-offs to loans | 0.3727% | 2,975 |
| Credit loss provision to net charge-offs | 97.7064% | 5,455 |
| Earnings coverage of net charge-offs (x) | 2.9410% | 4,613 |
| Efficiency ratio | 81.2283% | 2,406 |
| Assets per employee ($millions) | 2.5363% | 7,136 |
| Cash dividends to net income (ytd only)* | 38.3268% | 3,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3967% | 3,216 |
| Loan loss allowance to noncurrent loans | 77.6360% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 1.2234% | 3,779 |
| Noncurrent loans to loans | 1.7991% | 3,059 |
| Net loans and leases to total assets | 65.5302% | 4,946 |
| Net loans and leases to deposits | 109.7318% | 854 |
| Net loans and leases to core deposits | 148.3415% | 922 |
| Total domestic deposits to total assets | 59.7185% | 7,978 |
| Equity capital to assets | 9.7092% | 4,415 |
| Core capital (leverage) ratio | 7.6211% | 7,050 |
| Tier 1 risk-based capital ratio | 10.8509% | 5,861 |
| Total risk-based capital ratio | 12.1026% | 5,765 |
| Memoranda: | ||
| Average total assets | $596,815,600 | 1,133 |
| Average earning assets | $544,330,800 | 1,137 |
| Average equity | $54,091,200 | 1,246 |
| Average total loans | $409,431,000 | 1,175 |