Home > Old Plank Trail Community Bank > Performance and Condition Ratios
Old Plank Trail Community Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5547% | 1,973 |
| Cost of funding earning assets | 2.2513% | 1,311 |
| Net interest margin | 3.3033% | 2,765 |
| Noninterest income to average assets | 0.3400% | 2,607 |
| Noninterest expense to average assets | 1.6498% | 4,091 |
| Loan and lease loss provision to assets | -0.0300% | 4,225 |
| Net operating income to assets | 1.3946% | 1,264 |
| Return on assets (ROA) | 1.3944% | 1,267 |
| Pretax return on assets | 1.8685% | 851 |
| Return on Equity (ROE) | 16.5200% | 819 |
| Retained earnings to average equity (ytd only) | 16.5216% | 306 |
| Net charge-offs to loans | 0.0854% | 911 |
| Credit loss provision to net charge-offs | -61.5054% | 4,365 |
| Earnings coverage of net charge-offs (x) | 29.1656% | 1,257 |
| Efficiency ratio | 47.2907% | 4,052 |
| Assets per employee ($millions) | 20.1879% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6162% | 4,147 |
| Loan loss allowance to noncurrent loans | 127.2354% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.3745% | 1,844 |
| Noncurrent loans to loans | 0.4843% | 1,904 |
| Net loans and leases to total assets | 72.6800% | 1,506 |
| Net loans and leases to deposits | 82.1553% | 1,864 |
| Net loans and leases to core deposits | 100.3865% | 1,347 |
| Total domestic deposits to total assets | 88.4700% | 1,391 |
| Equity capital to assets | 8.4761% | 3,335 |
| Core capital (leverage) ratio | 9.1998% | 3,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3311% | 2,642 |
| Memoranda: | ||
| Average total assets | $2,953,744,500 | 431 |
| Average earning assets | $2,812,921,000 | 410 |
| Average equity | $249,297,500 | 505 |
| Average total loans | $2,178,388,500 | 411 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7691% | 1,633 |
| Cost of funding earning assets | 2.5414% | 1,070 |
| Net interest margin | 3.2277% | 2,671 |
| Noninterest income to average assets | 0.2700% | 3,250 |
| Noninterest expense to average assets | 1.7557% | 4,013 |
| Loan and lease loss provision to assets | 0.2300% | 564 |
| Net operating income to assets | 0.9944% | 2,077 |
| Return on assets (ROA) | 0.9940% | 2,068 |
| Pretax return on assets | 1.3446% | 1,648 |
| Return on Equity (ROE) | 12.0500% | 1,596 |
| Retained earnings to average equity (ytd only) | 12.0544% | 289 |
| Net charge-offs to loans | 0.2025% | 692 |
| Credit loss provision to net charge-offs | 140.2268% | 1,479 |
| Earnings coverage of net charge-offs (x) | 10.8760% | 2,241 |
| Efficiency ratio | 52.7107% | 3,823 |
| Assets per employee ($millions) | 18.4571% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6721% | 4,098 |
| Loan loss allowance to noncurrent loans | 163.5465% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.3271% | 1,947 |
| Noncurrent loans to loans | 0.4109% | 2,049 |
| Net loans and leases to total assets | 73.9000% | 1,416 |
| Net loans and leases to deposits | 83.5859% | 1,822 |
| Net loans and leases to core deposits | 99.9222% | 1,450 |
| Total domestic deposits to total assets | 88.4100% | 1,358 |
| Equity capital to assets | 8.4021% | 3,277 |
| Core capital (leverage) ratio | 8.9137% | 3,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2452% | 2,701 |
| Memoranda: | ||
| Average total assets | $2,805,949,000 | 442 |
| Average earning assets | $2,658,627,400 | 423 |
| Average equity | $231,384,400 | 515 |
| Average total loans | $2,002,965,600 | 429 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8033% | 1,545 |
| Cost of funding earning assets | 2.5611% | 1,051 |
| Net interest margin | 3.2423% | 2,591 |
| Noninterest income to average assets | 0.2800% | 3,175 |
| Noninterest expense to average assets | 1.7692% | 3,977 |
| Loan and lease loss provision to assets | 0.2400% | 464 |
| Net operating income to assets | 0.9930% | 2,080 |
| Return on assets (ROA) | 0.9927% | 2,087 |
| Pretax return on assets | 1.3392% | 1,665 |
| Return on Equity (ROE) | 12.1000% | 1,587 |
| Retained earnings to average equity (ytd only) | 12.0968% | 496 |
| Net charge-offs to loans | 0.2105% | 566 |
| Credit loss provision to net charge-offs | 128.3784% | 1,429 |
| Earnings coverage of net charge-offs (x) | 10.5988% | 2,109 |
| Efficiency ratio | 52.8514% | 3,810 |
| Assets per employee ($millions) | 18.9770% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6588% | 4,144 |
| Loan loss allowance to noncurrent loans | 123.1234% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.4056% | 1,660 |
| Noncurrent loans to loans | 0.5350% | 1,748 |
| Net loans and leases to total assets | 71.3500% | 1,693 |
| Net loans and leases to deposits | 80.7436% | 2,110 |
| Net loans and leases to core deposits | 97.2593% | 1,680 |
| Total domestic deposits to total assets | 88.3600% | 1,139 |
| Equity capital to assets | 8.4885% | 3,410 |
| Core capital (leverage) ratio | 8.7589% | 3,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2557% | 2,730 |
| Memoranda: | ||
| Average total assets | $2,787,608,750 | 436 |
| Average earning assets | $2,637,147,250 | 419 |
| Average equity | $228,749,750 | 510 |
| Average total loans | $1,968,154,500 | 428 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7503% | 1,530 |
| Cost of funding earning assets | 2.5218% | 1,048 |
| Net interest margin | 3.2285% | 2,576 |
| Noninterest income to average assets | 0.3000% | 2,991 |
| Noninterest expense to average assets | 1.7997% | 3,937 |
| Loan and lease loss provision to assets | 0.1500% | 771 |
| Net operating income to assets | 1.0388% | 1,870 |
| Return on assets (ROA) | 1.0383% | 1,879 |
| Pretax return on assets | 1.4004% | 1,478 |
| Return on Equity (ROE) | 12.8100% | 1,412 |
| Retained earnings to average equity (ytd only) | 12.8067% | 464 |
| Net charge-offs to loans | 0.2391% | 466 |
| Credit loss provision to net charge-offs | 77.7249% | 1,669 |
| Earnings coverage of net charge-offs (x) | 9.2426% | 2,029 |
| Efficiency ratio | 53.6620% | 3,777 |
| Assets per employee ($millions) | 18.2222% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6141% | 4,224 |
| Loan loss allowance to noncurrent loans | 136.5663% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.3429% | 1,791 |
| Noncurrent loans to loans | 0.4496% | 1,872 |
| Net loans and leases to total assets | 69.7500% | 1,924 |
| Net loans and leases to deposits | 78.6096% | 2,321 |
| Net loans and leases to core deposits | 95.0351% | 1,789 |
| Total domestic deposits to total assets | 88.7300% | 1,087 |
| Equity capital to assets | 8.0141% | 3,416 |
| Core capital (leverage) ratio | 8.5812% | 4,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2577% | 2,750 |
| Memoranda: | ||
| Average total assets | $2,755,311,000 | 439 |
| Average earning assets | $2,606,562,333 | 421 |
| Average equity | $223,382,333 | 520 |
| Average total loans | $1,933,658,333 | 433 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7274% | 1,440 |
| Cost of funding earning assets | 2.4010% | 1,169 |
| Net interest margin | 3.3263% | 2,286 |
| Noninterest income to average assets | 0.3000% | 2,941 |
| Noninterest expense to average assets | 1.8308% | 3,903 |
| Loan and lease loss provision to assets | 0.1400% | 749 |
| Net operating income to assets | 1.0877% | 1,697 |
| Return on assets (ROA) | 1.0872% | 1,708 |
| Pretax return on assets | 1.4537% | 1,341 |
| Return on Equity (ROE) | 13.3300% | 1,269 |
| Retained earnings to average equity (ytd only) | 13.3293% | 562 |
| Net charge-offs to loans | 0.4689% | 197 |
| Credit loss provision to net charge-offs | 53.1152% | 1,383 |
| Earnings coverage of net charge-offs (x) | 4.8552% | 1,882 |
| Efficiency ratio | 53.3494% | 3,804 |
| Assets per employee ($millions) | 18.4926% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5980% | 4,236 |
| Loan loss allowance to noncurrent loans | 148.2479% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.3109% | 1,867 |
| Noncurrent loans to loans | 0.4033% | 1,925 |
| Net loans and leases to total assets | 69.7700% | 1,833 |
| Net loans and leases to deposits | 80.2890% | 2,038 |
| Net loans and leases to core deposits | 95.9917% | 1,646 |
| Total domestic deposits to total assets | 86.8900% | 1,815 |
| Equity capital to assets | 7.9580% | 3,402 |
| Core capital (leverage) ratio | 8.7458% | 3,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0906% | 2,788 |
| Memoranda: | ||
| Average total assets | $2,711,638,000 | 447 |
| Average earning assets | $2,554,055,500 | 432 |
| Average equity | $221,166,500 | 528 |
| Average total loans | $1,903,028,000 | 444 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2220% | 1,626 |
| Cost of funding earning assets | 1.9003% | 1,069 |
| Net interest margin | 3.3217% | 2,574 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 1.8839% | 3,865 |
| Loan and lease loss provision to assets | 0.2500% | 462 |
| Net operating income to assets | 1.0283% | 2,124 |
| Return on assets (ROA) | 1.0287% | 2,105 |
| Pretax return on assets | 1.3868% | 1,664 |
| Return on Equity (ROE) | 12.7300% | 1,792 |
| Retained earnings to average equity (ytd only) | 12.7252% | 539 |
| Net charge-offs to loans | 0.1945% | 552 |
| Credit loss provision to net charge-offs | 197.9067% | 1,232 |
| Earnings coverage of net charge-offs (x) | 12.2410% | 2,156 |
| Efficiency ratio | 53.5106% | 3,709 |
| Assets per employee ($millions) | 17.0837% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6914% | 4,141 |
| Loan loss allowance to noncurrent loans | 127.5607% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.4099% | 1,355 |
| Noncurrent loans to loans | 0.5420% | 1,443 |
| Net loans and leases to total assets | 69.6900% | 1,844 |
| Net loans and leases to deposits | 80.3104% | 2,076 |
| Net loans and leases to core deposits | 94.4386% | 1,744 |
| Total domestic deposits to total assets | 86.7800% | 1,760 |
| Equity capital to assets | 8.3665% | 3,143 |
| Core capital (leverage) ratio | 8.9493% | 3,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3397% | 2,754 |
| Memoranda: | ||
| Average total assets | $2,507,677,000 | 467 |
| Average earning assets | $2,344,166,800 | 456 |
| Average equity | $202,716,400 | 531 |
| Average total loans | $1,719,635,000 | 460 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1118% | 1,611 |
| Cost of funding earning assets | 1.7980% | 1,008 |
| Net interest margin | 3.3138% | 2,649 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 1.8386% | 3,904 |
| Loan and lease loss provision to assets | 0.2400% | 425 |
| Net operating income to assets | 1.0669% | 2,160 |
| Return on assets (ROA) | 1.0665% | 2,149 |
| Pretax return on assets | 1.4483% | 1,679 |
| Return on Equity (ROE) | 13.3200% | 1,840 |
| Retained earnings to average equity (ytd only) | 13.3164% | 773 |
| Net charge-offs to loans | 0.2047% | 432 |
| Credit loss provision to net charge-offs | 168.8272% | 1,234 |
| Earnings coverage of net charge-offs (x) | 12.1385% | 2,079 |
| Efficiency ratio | 51.9804% | 3,758 |
| Assets per employee ($millions) | 17.2838% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6572% | 4,195 |
| Loan loss allowance to noncurrent loans | 124.1193% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.4005% | 1,441 |
| Noncurrent loans to loans | 0.5295% | 1,499 |
| Net loans and leases to total assets | 68.4700% | 2,000 |
| Net loans and leases to deposits | 78.2627% | 2,225 |
| Net loans and leases to core deposits | 90.2472% | 1,914 |
| Total domestic deposits to total assets | 87.4900% | 1,738 |
| Equity capital to assets | 8.0042% | 3,059 |
| Core capital (leverage) ratio | 8.6859% | 4,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6160% | 2,704 |
| Memoranda: | ||
| Average total assets | $2,476,873,750 | 471 |
| Average earning assets | $2,317,808,000 | 461 |
| Average equity | $198,367,000 | 538 |
| Average total loans | $1,687,989,750 | 467 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8834% | 1,804 |
| Cost of funding earning assets | 1.6098% | 1,040 |
| Net interest margin | 3.2736% | 2,816 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 1.8349% | 3,937 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.1009% | 2,123 |
| Return on assets (ROA) | 1.1006% | 2,113 |
| Pretax return on assets | 1.4991% | 1,600 |
| Return on Equity (ROE) | 13.7400% | 1,734 |
| Retained earnings to average equity (ytd only) | 13.7396% | 714 |
| Net charge-offs to loans | 0.2666% | 311 |
| Credit loss provision to net charge-offs | 92.1358% | 1,496 |
| Earnings coverage of net charge-offs (x) | 9.1345% | 2,031 |
| Efficiency ratio | 52.5191% | 3,737 |
| Assets per employee ($millions) | 17.1813% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5398% | 4,348 |
| Loan loss allowance to noncurrent loans | 226.6423% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.1678% | 2,384 |
| Noncurrent loans to loans | 0.2382% | 2,309 |
| Net loans and leases to total assets | 65.7200% | 2,186 |
| Net loans and leases to deposits | 74.1643% | 2,477 |
| Net loans and leases to core deposits | 86.0178% | 2,070 |
| Total domestic deposits to total assets | 88.6100% | 1,373 |
| Equity capital to assets | 7.8208% | 3,338 |
| Core capital (leverage) ratio | 8.4027% | 4,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2571% | 2,808 |
| Memoranda: | ||
| Average total assets | $2,472,877,667 | 459 |
| Average earning assets | $2,311,150,333 | 449 |
| Average equity | $198,084,667 | 530 |
| Average total loans | $1,678,816,667 | 455 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6104% | 2,063 |
| Cost of funding earning assets | 1.2858% | 1,262 |
| Net interest margin | 3.3245% | 2,816 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 1.8822% | 3,888 |
| Loan and lease loss provision to assets | 0.5900% | 120 |
| Net operating income to assets | 0.7396% | 3,372 |
| Return on assets (ROA) | 0.7396% | 3,330 |
| Pretax return on assets | 1.0135% | 2,949 |
| Return on Equity (ROE) | 9.1200% | 3,014 |
| Retained earnings to average equity (ytd only) | 9.1157% | 1,914 |
| Net charge-offs to loans | 0.0800% | 667 |
| Credit loss provision to net charge-offs | 1,068.2779% | 344 |
| Earnings coverage of net charge-offs (x) | 29.1269% | 1,317 |
| Efficiency ratio | 53.8876% | 3,611 |
| Assets per employee ($millions) | 17.2676% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7421% | 4,189 |
| Loan loss allowance to noncurrent loans | 140.9414% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 1,402 |
| Noncurrent loans to loans | 0.5266% | 1,407 |
| Net loans and leases to total assets | 67.8200% | 1,857 |
| Net loans and leases to deposits | 76.7067% | 2,063 |
| Net loans and leases to core deposits | 88.0697% | 1,734 |
| Total domestic deposits to total assets | 88.4100% | 1,776 |
| Equity capital to assets | 7.9474% | 3,277 |
| Core capital (leverage) ratio | 8.6544% | 4,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2025% | 2,917 |
| Memoranda: | ||
| Average total assets | $2,403,536,500 | 490 |
| Average earning assets | $2,235,733,500 | 477 |
| Average equity | $195,004,000 | 546 |
| Average total loans | $1,655,401,500 | 465 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2153% | 3,795 |
| Cost of funding earning assets | 0.3286% | 2,649 |
| Net interest margin | 2.8867% | 3,710 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 1.8191% | 3,993 |
| Loan and lease loss provision to assets | -0.1100% | 4,542 |
| Net operating income to assets | 1.1940% | 1,799 |
| Return on assets (ROA) | 1.1934% | 1,733 |
| Pretax return on assets | 1.6252% | 1,098 |
| Return on Equity (ROE) | 14.2000% | 1,490 |
| Retained earnings to average equity (ytd only) | 12.6066% | 570 |
| Net charge-offs to loans | 0.0634% | 1,015 |
| Credit loss provision to net charge-offs | -256.4499% | 4,612 |
| Earnings coverage of net charge-offs (x) | 34.9948% | 1,586 |
| Efficiency ratio | 54.4260% | 3,756 |
| Assets per employee ($millions) | 15.7758% | 175 |
| Cash dividends to net income (ytd only)* | 11.2275% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5967% | 4,341 |
| Loan loss allowance to noncurrent loans | 278.7445% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.1559% | 2,441 |
| Noncurrent loans to loans | 0.2141% | 2,419 |
| Net loans and leases to total assets | 69.0600% | 1,723 |
| Net loans and leases to deposits | 78.6479% | 1,883 |
| Net loans and leases to core deposits | 87.2844% | 1,663 |
| Total domestic deposits to total assets | 87.8000% | 2,142 |
| Equity capital to assets | 8.2934% | 2,859 |
| Core capital (leverage) ratio | 8.7242% | 3,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5370% | 2,857 |
| Memoranda: | ||
| Average total assets | $2,239,012,800 | 502 |
| Average earning assets | $2,098,434,600 | 487 |
| Average equity | $188,156,000 | 551 |
| Average total loans | $1,529,294,400 | 468 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9223% | 4,032 |
| Cost of funding earning assets | 0.1817% | 3,502 |
| Net interest margin | 2.7406% | 3,854 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 1.7980% | 3,992 |
| Loan and lease loss provision to assets | -0.1500% | 4,632 |
| Net operating income to assets | 1.1906% | 1,736 |
| Return on assets (ROA) | 1.1898% | 1,715 |
| Pretax return on assets | 1.6223% | 1,065 |
| Return on Equity (ROE) | 14.1100% | 1,403 |
| Retained earnings to average equity (ytd only) | 11.9765% | 797 |
| Net charge-offs to loans | 0.0712% | 795 |
| Credit loss provision to net charge-offs | -307.0632% | 4,676 |
| Earnings coverage of net charge-offs (x) | 30.5378% | 1,512 |
| Efficiency ratio | 54.7244% | 3,754 |
| Assets per employee ($millions) | 16.6263% | 157 |
| Cash dividends to net income (ytd only)* | 15.1233% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6079% | 4,372 |
| Loan loss allowance to noncurrent loans | 136.0213% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.3136% | 1,685 |
| Noncurrent loans to loans | 0.4469% | 1,689 |
| Net loans and leases to total assets | 69.7400% | 1,497 |
| Net loans and leases to deposits | 79.8328% | 1,584 |
| Net loans and leases to core deposits | 87.6145% | 1,432 |
| Total domestic deposits to total assets | 87.3600% | 2,638 |
| Equity capital to assets | 8.0092% | 2,887 |
| Core capital (leverage) ratio | 8.7454% | 3,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2551% | 2,996 |
| Memoranda: | ||
| Average total assets | $2,222,949,750 | 502 |
| Average earning assets | $2,089,988,750 | 490 |
| Average equity | $187,440,000 | 560 |
| Average total loans | $1,511,600,750 | 468 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7159% | 4,120 |
| Cost of funding earning assets | 0.1041% | 4,151 |
| Net interest margin | 2.6118% | 3,884 |
| Noninterest income to average assets | 0.8430% | 960 |
| Noninterest expense to average assets | 1.8012% | 3,952 |
| Loan and lease loss provision to assets | -0.1511% | 4,648 |
| Net operating income to assets | 1.2110% | 1,393 |
| Return on assets (ROA) | 1.2101% | 1,382 |
| Pretax return on assets | 1.6490% | 850 |
| Return on Equity (ROE) | 14.1072% | 1,089 |
| Retained earnings to average equity (ytd only) | 10.9344% | 792 |
| Net charge-offs to loans | 0.0894% | 626 |
| Credit loss provision to net charge-offs | -280.9955% | 3,275 |
| Earnings coverage of net charge-offs (x) | 24.9246% | 1,468 |
| Efficiency ratio | 54.4063% | 3,927 |
| Assets per employee ($millions) | 15.7309% | 173 |
| Cash dividends to net income (ytd only)* | 22.4904% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6862% | 4,353 |
| Loan loss allowance to noncurrent loans | 420.8517% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.1122% | 2,920 |
| Noncurrent loans to loans | 0.1631% | 2,878 |
| Net loans and leases to total assets | 68.3482% | 1,452 |
| Net loans and leases to deposits | 75.5708% | 1,720 |
| Net loans and leases to core deposits | 82.7009% | 1,543 |
| Total domestic deposits to total assets | 90.4426% | 1,499 |
| Equity capital to assets | 8.3824% | 2,851 |
| Core capital (leverage) ratio | 8.6015% | 3,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3434% | 2,961 |
| Memoranda: | ||
| Average total assets | $2,204,666,000 | 506 |
| Average earning assets | $2,074,202,000 | 497 |
| Average equity | $189,109,000 | 565 |
| Average total loans | $1,482,731,667 | 476 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5964% | 4,123 |
| Cost of funding earning assets | 0.0928% | 4,233 |
| Net interest margin | 2.5036% | 3,905 |
| Noninterest income to average assets | 0.6431% | 1,517 |
| Noninterest expense to average assets | 1.8009% | 3,939 |
| Loan and lease loss provision to assets | -0.0557% | 4,524 |
| Net operating income to assets | 0.9182% | 2,209 |
| Return on assets (ROA) | 0.9172% | 2,213 |
| Pretax return on assets | 1.2488% | 1,661 |
| Return on Equity (ROE) | 10.5716% | 1,770 |
| Retained earnings to average equity (ytd only) | 10.5716% | 882 |
| Net charge-offs to loans | 0.0348% | 952 |
| Credit loss provision to net charge-offs | -384.2520% | 3,083 |
| Earnings coverage of net charge-offs (x) | 51.6772% | 916 |
| Efficiency ratio | 59.9186% | 3,485 |
| Assets per employee ($millions) | 15.6154% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8369% | 4,184 |
| Loan loss allowance to noncurrent loans | 691.5690% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.0837% | 3,238 |
| Noncurrent loans to loans | 0.1210% | 3,219 |
| Net loans and leases to total assets | 65.2695% | 1,490 |
| Net loans and leases to deposits | 72.5195% | 1,746 |
| Net loans and leases to core deposits | 81.0755% | 1,415 |
| Total domestic deposits to total assets | 90.0026% | 1,562 |
| Equity capital to assets | 8.4033% | 3,239 |
| Core capital (leverage) ratio | 8.5579% | 3,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4763% | 2,986 |
| Memoranda: | ||
| Average total assets | $2,197,973,000 | 509 |
| Average earning assets | $2,065,033,500 | 505 |
| Average equity | $190,700,500 | 573 |
| Average total loans | $1,460,860,500 | 477 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6584% | 4,351 |
| Cost of funding earning assets | 0.1876% | 3,578 |
| Net interest margin | 2.4708% | 4,232 |
| Noninterest income to average assets | 0.6610% | 1,898 |
| Noninterest expense to average assets | 2.0251% | 3,596 |
| Loan and lease loss provision to assets | -0.1749% | 4,663 |
| Net operating income to assets | 0.8100% | 3,305 |
| Return on assets (ROA) | 0.8087% | 3,381 |
| Pretax return on assets | 1.1074% | 2,945 |
| Return on Equity (ROE) | 9.2260% | 2,816 |
| Retained earnings to average equity (ytd only) | 9.2260% | 1,125 |
| Net charge-offs to loans | 0.0406% | 1,448 |
| Credit loss provision to net charge-offs | -658.0870% | 3,814 |
| Earnings coverage of net charge-offs (x) | 34.1791% | 1,521 |
| Efficiency ratio | 68.1701% | 1,954 |
| Assets per employee ($millions) | 15.5603% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9018% | 4,060 |
| Loan loss allowance to noncurrent loans | 512.8600% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.1181% | 3,100 |
| Noncurrent loans to loans | 0.1758% | 3,069 |
| Net loans and leases to total assets | 66.5326% | 1,415 |
| Net loans and leases to deposits | 74.5235% | 1,685 |
| Net loans and leases to core deposits | 79.9153% | 1,605 |
| Total domestic deposits to total assets | 89.2773% | 1,364 |
| Equity capital to assets | 8.9619% | 3,662 |
| Core capital (leverage) ratio | 8.2135% | 4,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5051% | 2,986 |
| Memoranda: | ||
| Average total assets | $2,103,696,400 | 509 |
| Average earning assets | $1,956,916,000 | 508 |
| Average equity | $184,391,400 | 592 |
| Average total loans | $1,416,749,400 | 485 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6488% | 4,458 |
| Cost of funding earning assets | 0.2126% | 3,489 |
| Net interest margin | 2.4362% | 4,360 |
| Noninterest income to average assets | 0.6616% | 1,967 |
| Noninterest expense to average assets | 2.0128% | 3,633 |
| Loan and lease loss provision to assets | -0.2617% | 4,806 |
| Net operating income to assets | 0.8571% | 3,363 |
| Return on assets (ROA) | 0.8571% | 3,434 |
| Pretax return on assets | 1.1726% | 3,011 |
| Return on Equity (ROE) | 9.8357% | 2,792 |
| Retained earnings to average equity (ytd only) | 9.8357% | 1,374 |
| Net charge-offs to loans | 0.0296% | 1,460 |
| Credit loss provision to net charge-offs | -1,246.6454% | 3,901 |
| Earnings coverage of net charge-offs (x) | 45.6773% | 1,284 |
| Efficiency ratio | 68.5640% | 1,749 |
| Assets per employee ($millions) | 15.6906% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9307% | 4,067 |
| Loan loss allowance to noncurrent loans | 287.9518% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 2,707 |
| Noncurrent loans to loans | 0.3232% | 2,622 |
| Net loans and leases to total assets | 65.5723% | 1,591 |
| Net loans and leases to deposits | 73.3417% | 1,925 |
| Net loans and leases to core deposits | 78.6963% | 1,840 |
| Total domestic deposits to total assets | 89.4066% | 1,070 |
| Equity capital to assets | 8.8393% | 3,970 |
| Core capital (leverage) ratio | 8.1360% | 4,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6347% | 3,027 |
| Memoranda: | ||
| Average total assets | $2,092,789,750 | 514 |
| Average earning assets | $1,943,105,750 | 513 |
| Average equity | $182,378,750 | 602 |
| Average total loans | $1,410,519,250 | 490 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6177% | 4,532 |
| Cost of funding earning assets | 0.2409% | 3,364 |
| Net interest margin | 2.3768% | 4,442 |
| Noninterest income to average assets | 0.6858% | 1,862 |
| Noninterest expense to average assets | 2.0209% | 3,633 |
| Loan and lease loss provision to assets | -0.2548% | 4,812 |
| Net operating income to assets | 0.8202% | 3,448 |
| Return on assets (ROA) | 0.8206% | 3,517 |
| Pretax return on assets | 1.1221% | 3,137 |
| Return on Equity (ROE) | 9.4622% | 2,961 |
| Retained earnings to average equity (ytd only) | 9.4622% | 1,567 |
| Net charge-offs to loans | 0.0438% | 1,198 |
| Credit loss provision to net charge-offs | -672.1683% | 3,553 |
| Earnings coverage of net charge-offs (x) | 29.1618% | 1,324 |
| Efficiency ratio | 69.6792% | 1,686 |
| Assets per employee ($millions) | 16.0550% | 166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 3,662 |
| Loan loss allowance to noncurrent loans | 376.4203% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.1872% | 3,023 |
| Noncurrent loans to loans | 0.2771% | 2,944 |
| Net loans and leases to total assets | 66.0372% | 1,694 |
| Net loans and leases to deposits | 73.6180% | 2,035 |
| Net loans and leases to core deposits | 79.7753% | 1,902 |
| Total domestic deposits to total assets | 89.7026% | 923 |
| Equity capital to assets | 8.5609% | 4,156 |
| Core capital (leverage) ratio | 8.1969% | 4,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4661% | 3,041 |
| Memoranda: | ||
| Average total assets | $2,079,078,667 | 510 |
| Average earning assets | $1,926,138,667 | 513 |
| Average equity | $180,297,000 | 601 |
| Average total loans | $1,409,890,000 | 493 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5232% | 4,630 |
| Cost of funding earning assets | 0.2661% | 3,314 |
| Net interest margin | 2.2570% | 4,561 |
| Noninterest income to average assets | 0.7207% | 1,803 |
| Noninterest expense to average assets | 2.0240% | 3,645 |
| Loan and lease loss provision to assets | -0.4035% | 4,896 |
| Net operating income to assets | 0.8727% | 3,201 |
| Return on assets (ROA) | 0.8715% | 3,288 |
| Pretax return on assets | 1.1928% | 2,862 |
| Return on Equity (ROE) | 9.9822% | 2,692 |
| Retained earnings to average equity (ytd only) | 9.9822% | 1,648 |
| Net charge-offs to loans | 0.0859% | 765 |
| Credit loss provision to net charge-offs | -521.3333% | 3,185 |
| Earnings coverage of net charge-offs (x) | 13.4633% | 1,402 |
| Efficiency ratio | 71.5707% | 1,542 |
| Assets per employee ($millions) | 14.4832% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0706% | 3,569 |
| Loan loss allowance to noncurrent loans | 360.7076% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.2441% | 2,911 |
| Noncurrent loans to loans | 0.2968% | 3,034 |
| Net loans and leases to total assets | 69.6244% | 1,340 |
| Net loans and leases to deposits | 77.8999% | 1,728 |
| Net loans and leases to core deposits | 84.8643% | 1,598 |
| Total domestic deposits to total assets | 89.3768% | 1,137 |
| Equity capital to assets | 8.7570% | 3,907 |
| Core capital (leverage) ratio | 8.2436% | 4,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3892% | 3,024 |
| Memoranda: | ||
| Average total assets | $2,042,933,500 | 510 |
| Average earning assets | $1,895,405,500 | 511 |
| Average equity | $178,357,000 | 602 |
| Average total loans | $1,396,996,000 | 503 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0387% | 4,606 |
| Cost of funding earning assets | 0.5154% | 2,848 |
| Net interest margin | 2.5233% | 4,567 |
| Noninterest income to average assets | 0.7078% | 1,843 |
| Noninterest expense to average assets | 2.2738% | 3,479 |
| Loan and lease loss provision to assets | 0.7358% | 200 |
| Net operating income to assets | 0.0606% | 4,694 |
| Return on assets (ROA) | 0.0610% | 4,728 |
| Pretax return on assets | 0.0023% | 4,760 |
| Return on Equity (ROE) | 0.6537% | 4,710 |
| Retained earnings to average equity (ytd only) | -1.6685% | 4,683 |
| Net charge-offs to loans | 0.0944% | 1,515 |
| Credit loss provision to net charge-offs | 1,111.0294% | 726 |
| Earnings coverage of net charge-offs (x) | 11.1348% | 2,415 |
| Efficiency ratio | 75.1344% | 1,323 |
| Assets per employee ($millions) | 13.8990% | 216 |
| Cash dividends to net income (ytd only)* | 355.2398% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 2,467 |
| Loan loss allowance to noncurrent loans | 370.7817% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.2726% | 2,937 |
| Noncurrent loans to loans | 0.3477% | 2,953 |
| Net loans and leases to total assets | 65.5034% | 2,158 |
| Net loans and leases to deposits | 74.4391% | 2,443 |
| Net loans and leases to core deposits | 80.3460% | 2,335 |
| Total domestic deposits to total assets | 87.9960% | 1,475 |
| Equity capital to assets | 8.7036% | 4,287 |
| Core capital (leverage) ratio | 8.1852% | 4,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9945% | 2,921 |
| Memoranda: | ||
| Average total assets | $1,847,381,000 | 514 |
| Average earning assets | $1,686,692,800 | 517 |
| Average equity | $172,250,800 | 589 |
| Average total loans | $1,296,439,600 | 513 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2242% | 4,559 |
| Cost of funding earning assets | 0.5865% | 2,695 |
| Net interest margin | 2.6376% | 4,540 |
| Noninterest income to average assets | 0.7456% | 1,662 |
| Noninterest expense to average assets | 2.3198% | 3,369 |
| Loan and lease loss provision to assets | 0.8691% | 195 |
| Net operating income to assets | 0.0462% | 4,742 |
| Return on assets (ROA) | 0.0464% | 4,765 |
| Pretax return on assets | -0.0430% | 4,802 |
| Return on Equity (ROE) | 0.4884% | 4,754 |
| Retained earnings to average equity (ytd only) | -2.6275% | 4,750 |
| Net charge-offs to loans | 0.0549% | 1,819 |
| Credit loss provision to net charge-offs | 2,220.9830% | 434 |
| Earnings coverage of net charge-offs (x) | 21.0983% | 1,875 |
| Efficiency ratio | 73.3769% | 1,473 |
| Assets per employee ($millions) | 13.1201% | 248 |
| Cash dividends to net income (ytd only)* | 637.9585% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 2,786 |
| Loan loss allowance to noncurrent loans | 221.1381% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.4100% | 2,528 |
| Noncurrent loans to loans | 0.5329% | 2,468 |
| Net loans and leases to total assets | 68.1382% | 2,223 |
| Net loans and leases to deposits | 76.3690% | 2,710 |
| Net loans and leases to core deposits | 82.3521% | 2,637 |
| Total domestic deposits to total assets | 89.2224% | 679 |
| Equity capital to assets | 8.5573% | 4,432 |
| Core capital (leverage) ratio | 8.0765% | 4,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6810% | 2,990 |
| Memoranda: | ||
| Average total assets | $1,801,913,500 | 518 |
| Average earning assets | $1,639,621,000 | 522 |
| Average equity | $171,159,250 | 584 |
| Average total loans | $1,283,902,250 | 509 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4805% | 4,437 |
| Cost of funding earning assets | 0.6828% | 2,487 |
| Net interest margin | 2.7976% | 4,454 |
| Noninterest income to average assets | 0.7559% | 1,561 |
| Noninterest expense to average assets | 2.4742% | 3,035 |
| Loan and lease loss provision to assets | 0.9407% | 229 |
| Net operating income to assets | -0.0838% | 4,826 |
| Return on assets (ROA) | -0.0832% | 4,829 |
| Pretax return on assets | -0.1231% | 4,828 |
| Return on Equity (ROE) | -0.8440% | 4,838 |
| Retained earnings to average equity (ytd only) | -5.5134% | 4,794 |
| Net charge-offs to loans | 0.0673% | 1,577 |
| Credit loss provision to net charge-offs | 1,937.6777% | 497 |
| Earnings coverage of net charge-offs (x) | 16.8175% | 1,842 |
| Efficiency ratio | 74.8138% | 1,386 |
| Assets per employee ($millions) | 12.6721% | 272 |
| Cash dividends to net income (ytd only)* | -553.2503% | 5,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 3,814 |
| Loan loss allowance to noncurrent loans | 207.6096% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.4313% | 2,583 |
| Noncurrent loans to loans | 0.4557% | 2,783 |
| Net loans and leases to total assets | 69.7182% | 2,074 |
| Net loans and leases to deposits | 78.6210% | 2,589 |
| Net loans and leases to core deposits | 85.2032% | 2,506 |
| Total domestic deposits to total assets | 88.6762% | 877 |
| Equity capital to assets | 8.8668% | 4,199 |
| Core capital (leverage) ratio | 8.4392% | 4,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4353% | 3,096 |
| Memoranda: | ||
| Average total assets | $1,737,799,000 | 528 |
| Average earning assets | $1,574,681,000 | 530 |
| Average equity | $171,327,667 | 581 |
| Average total loans | $1,253,517,667 | 510 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8385% | 4,154 |
| Cost of funding earning assets | 0.8057% | 2,356 |
| Net interest margin | 3.0328% | 4,225 |
| Noninterest income to average assets | 0.8492% | 1,167 |
| Noninterest expense to average assets | 2.4696% | 3,361 |
| Loan and lease loss provision to assets | 0.4669% | 634 |
| Net operating income to assets | 0.4797% | 3,947 |
| Return on assets (ROA) | 0.4812% | 3,996 |
| Pretax return on assets | 0.6403% | 3,839 |
| Return on Equity (ROE) | 4.6120% | 3,778 |
| Retained earnings to average equity (ytd only) | -4.6817% | 4,497 |
| Net charge-offs to loans | 0.0795% | 1,227 |
| Credit loss provision to net charge-offs | 803.3333% | 663 |
| Earnings coverage of net charge-offs (x) | 18.9958% | 1,448 |
| Efficiency ratio | 68.7373% | 2,550 |
| Assets per employee ($millions) | 11.2373% | 284 |
| Cash dividends to net income (ytd only)* | 201.5113% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5385% | 4,840 |
| Loan loss allowance to noncurrent loans | 123.3001% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.4465% | 2,683 |
| Noncurrent loans to loans | 0.4368% | 2,943 |
| Net loans and leases to total assets | 73.1177% | 1,764 |
| Net loans and leases to deposits | 85.2496% | 2,084 |
| Net loans and leases to core deposits | 90.5996% | 2,286 |
| Total domestic deposits to total assets | 85.7690% | 2,096 |
| Equity capital to assets | 10.2184% | 3,584 |
| Core capital (leverage) ratio | 9.6711% | 3,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1616% | 3,305 |
| Memoranda: | ||
| Average total assets | $1,649,958,500 | 533 |
| Average earning assets | $1,482,865,000 | 534 |
| Average equity | $172,159,500 | 571 |
| Average total loans | $1,206,884,500 | 507 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3335% | 3,446 |
| Cost of funding earning assets | 0.9399% | 2,009 |
| Net interest margin | 3.3936% | 3,770 |
| Noninterest income to average assets | 0.8417% | 1,324 |
| Noninterest expense to average assets | 2.4577% | 3,560 |
| Loan and lease loss provision to assets | 0.0201% | 3,617 |
| Net operating income to assets | 1.0403% | 2,696 |
| Return on assets (ROA) | 1.0413% | 2,784 |
| Pretax return on assets | 1.3862% | 2,217 |
| Return on Equity (ROE) | 10.1180% | 2,247 |
| Retained earnings to average equity (ytd only) | 6.4930% | 1,610 |
| Net charge-offs to loans | 0.0448% | 2,488 |
| Credit loss provision to net charge-offs | 62.9630% | 3,005 |
| Earnings coverage of net charge-offs (x) | 44.0507% | 1,228 |
| Efficiency ratio | 63.2569% | 3,185 |
| Assets per employee ($millions) | 10.5511% | 318 |
| Cash dividends to net income (ytd only)* | 35.8273% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4993% | 4,891 |
| Loan loss allowance to noncurrent loans | 124.9734% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.4315% | 2,664 |
| Noncurrent loans to loans | 0.3995% | 3,009 |
| Net loans and leases to total assets | 72.3996% | 2,024 |
| Net loans and leases to deposits | 82.9737% | 2,443 |
| Net loans and leases to core deposits | 86.9048% | 2,717 |
| Total domestic deposits to total assets | 87.2560% | 1,489 |
| Equity capital to assets | 10.6594% | 3,297 |
| Core capital (leverage) ratio | 9.6628% | 3,890 |
| Tier 1 risk-based capital ratio | 11.1787% | 4,786 |
| Total risk-based capital ratio | 11.6032% | 5,000 |
| Memoranda: | ||
| Average total assets | $1,608,302,400 | 526 |
| Average earning assets | $1,431,775,200 | 531 |
| Average equity | $165,517,600 | 558 |
| Average total loans | $1,146,159,400 | 511 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4190% | 3,292 |
| Cost of funding earning assets | 0.9505% | 1,984 |
| Net interest margin | 3.4686% | 3,668 |
| Noninterest income to average assets | 0.8529% | 1,262 |
| Noninterest expense to average assets | 2.4035% | 3,670 |
| Loan and lease loss provision to assets | 0.0158% | 3,592 |
| Net operating income to assets | 1.1308% | 2,453 |
| Return on assets (ROA) | 1.1321% | 2,533 |
| Pretax return on assets | 1.5076% | 1,931 |
| Return on Equity (ROE) | 11.0999% | 1,982 |
| Retained earnings to average equity (ytd only) | 6.2183% | 2,276 |
| Net charge-offs to loans | 0.0502% | 2,113 |
| Credit loss provision to net charge-offs | 44.5221% | 2,826 |
| Earnings coverage of net charge-offs (x) | 42.7479% | 1,311 |
| Efficiency ratio | 60.8553% | 3,496 |
| Assets per employee ($millions) | 11.0394% | 268 |
| Cash dividends to net income (ytd only)* | 43.9786% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5014% | 4,970 |
| Loan loss allowance to noncurrent loans | 125.7186% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.4419% | 2,758 |
| Noncurrent loans to loans | 0.3988% | 3,116 |
| Net loans and leases to total assets | 69.7155% | 2,514 |
| Net loans and leases to deposits | 79.5676% | 2,945 |
| Net loans and leases to core deposits | 83.3195% | 3,151 |
| Total domestic deposits to total assets | 87.6179% | 1,209 |
| Equity capital to assets | 10.2055% | 3,820 |
| Core capital (leverage) ratio | 9.2998% | 4,369 |
| Tier 1 risk-based capital ratio | 11.1011% | 4,861 |
| Total risk-based capital ratio | 11.5276% | 5,057 |
| Memoranda: | ||
| Average total assets | $1,606,798,500 | 529 |
| Average earning assets | $1,423,262,500 | 535 |
| Average equity | $163,877,750 | 563 |
| Average total loans | $1,139,043,250 | 516 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4517% | 3,178 |
| Cost of funding earning assets | 0.9228% | 2,038 |
| Net interest margin | 3.5290% | 3,507 |
| Noninterest income to average assets | 0.8482% | 1,209 |
| Noninterest expense to average assets | 2.4468% | 3,619 |
| Loan and lease loss provision to assets | 0.0158% | 3,464 |
| Net operating income to assets | 1.1180% | 2,451 |
| Return on assets (ROA) | 1.1199% | 2,521 |
| Pretax return on assets | 1.4963% | 1,871 |
| Return on Equity (ROE) | 10.9834% | 1,980 |
| Retained earnings to average equity (ytd only) | 3.5838% | 3,458 |
| Net charge-offs to loans | 0.0723% | 1,642 |
| Credit loss provision to net charge-offs | 30.8068% | 2,595 |
| Earnings coverage of net charge-offs (x) | 29.3521% | 1,487 |
| Efficiency ratio | 61.4519% | 3,513 |
| Assets per employee ($millions) | 10.6051% | 294 |
| Cash dividends to net income (ytd only)* | 67.3703% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5097% | 5,005 |
| Loan loss allowance to noncurrent loans | 113.9585% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.4749% | 2,631 |
| Noncurrent loans to loans | 0.4473% | 2,929 |
| Net loans and leases to total assets | 68.9836% | 2,680 |
| Net loans and leases to deposits | 78.5025% | 3,110 |
| Net loans and leases to core deposits | 81.9096% | 3,270 |
| Total domestic deposits to total assets | 87.8744% | 1,157 |
| Equity capital to assets | 10.0127% | 3,968 |
| Core capital (leverage) ratio | 9.4622% | 4,187 |
| Tier 1 risk-based capital ratio | 10.9215% | 4,949 |
| Total risk-based capital ratio | 11.3510% | 5,150 |
| Memoranda: | ||
| Average total assets | $1,590,428,670 | 530 |
| Average earning assets | $1,400,800,000 | 542 |
| Average equity | $162,172,670 | 566 |
| Average total loans | $1,131,977,330 | 515 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5521% | 2,688 |
| Cost of funding earning assets | 0.9069% | 1,965 |
| Net interest margin | 3.6453% | 3,089 |
| Noninterest income to average assets | 0.8604% | 1,144 |
| Noninterest expense to average assets | 2.5078% | 3,488 |
| Loan and lease loss provision to assets | -0.0145% | 5,218 |
| Net operating income to assets | 1.1813% | 2,127 |
| Return on assets (ROA) | 1.1780% | 2,185 |
| Pretax return on assets | 1.5602% | 1,576 |
| Return on Equity (ROE) | 11.4455% | 1,761 |
| Retained earnings to average equity (ytd only) | 11.4455% | 713 |
| Net charge-offs to loans | 0.0770% | 1,303 |
| Credit loss provision to net charge-offs | -26.1468% | 3,450 |
| Earnings coverage of net charge-offs (x) | 27.8853% | 1,370 |
| Efficiency ratio | 61.4036% | 3,625 |
| Assets per employee ($millions) | 10.6302% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5006% | 5,080 |
| Loan loss allowance to noncurrent loans | 155.1113% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.4214% | 2,905 |
| Noncurrent loans to loans | 0.3228% | 3,406 |
| Net loans and leases to total assets | 73.5278% | 1,894 |
| Net loans and leases to deposits | 84.0339% | 2,380 |
| Net loans and leases to core deposits | 87.9470% | 2,690 |
| Total domestic deposits to total assets | 87.4978% | 1,572 |
| Equity capital to assets | 10.5110% | 3,334 |
| Core capital (leverage) ratio | 9.6021% | 4,020 |
| Tier 1 risk-based capital ratio | 10.8980% | 5,022 |
| Total risk-based capital ratio | 11.3222% | 5,227 |
| Memoranda: | ||
| Average total assets | $1,569,047,000 | 534 |
| Average earning assets | $1,376,141,000 | 550 |
| Average equity | $161,496,000 | 564 |
| Average total loans | $1,131,763,000 | 521 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0648% | 3,855 |
| Cost of funding earning assets | 0.6441% | 2,433 |
| Net interest margin | 3.4208% | 3,939 |
| Noninterest income to average assets | 0.8893% | 1,201 |
| Noninterest expense to average assets | 2.5110% | 3,583 |
| Loan and lease loss provision to assets | -0.0081% | 5,102 |
| Net operating income to assets | 1.0875% | 2,655 |
| Return on assets (ROA) | 1.0813% | 2,668 |
| Pretax return on assets | 1.4192% | 2,073 |
| Return on Equity (ROE) | 10.4833% | 2,300 |
| Retained earnings to average equity (ytd only) | 4.0109% | 3,365 |
| Net charge-offs to loans | -0.0321% | 4,836 |
| Credit loss provision to net charge-offs | 35.6725% | 3,314 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4174% | 3,275 |
| Assets per employee ($millions) | 10.5735% | 291 |
| Cash dividends to net income (ytd only)* | 61.7398% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5463% | 5,069 |
| Loan loss allowance to noncurrent loans | 157.0799% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.4262% | 2,857 |
| Noncurrent loans to loans | 0.3478% | 3,296 |
| Net loans and leases to total assets | 69.9934% | 2,561 |
| Net loans and leases to deposits | 79.6028% | 2,998 |
| Net loans and leases to core deposits | 83.0082% | 3,179 |
| Total domestic deposits to total assets | 87.9282% | 1,328 |
| Equity capital to assets | 10.0760% | 3,606 |
| Core capital (leverage) ratio | 9.5787% | 4,029 |
| Tier 1 risk-based capital ratio | 10.9739% | 4,991 |
| Total risk-based capital ratio | 11.4338% | 5,195 |
| Memoranda: | ||
| Average total assets | $1,497,870,800 | 540 |
| Average earning assets | $1,331,396,000 | 552 |
| Average equity | $154,502,200 | 559 |
| Average total loans | $1,064,184,600 | 530 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9906% | 3,959 |
| Cost of funding earning assets | 0.5830% | 2,605 |
| Net interest margin | 3.4077% | 3,985 |
| Noninterest income to average assets | 0.8445% | 1,347 |
| Noninterest expense to average assets | 2.5071% | 3,571 |
| Loan and lease loss provision to assets | -0.0670% | 5,317 |
| Net operating income to assets | 1.1078% | 2,630 |
| Return on assets (ROA) | 1.0998% | 2,688 |
| Pretax return on assets | 1.4344% | 2,108 |
| Return on Equity (ROE) | 10.5974% | 2,352 |
| Retained earnings to average equity (ytd only) | 1.9082% | 4,609 |
| Net charge-offs to loans | -0.1033% | 5,172 |
| Credit loss provision to net charge-offs | 91.0539% | 2,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0348% | 3,180 |
| Assets per employee ($millions) | 10.3165% | 297 |
| Cash dividends to net income (ytd only)* | 81.9941% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5540% | 5,119 |
| Loan loss allowance to noncurrent loans | 138.0430% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.4761% | 2,776 |
| Noncurrent loans to loans | 0.4013% | 3,213 |
| Net loans and leases to total assets | 69.4956% | 2,727 |
| Net loans and leases to deposits | 78.8852% | 3,158 |
| Net loans and leases to core deposits | 83.3615% | 3,207 |
| Total domestic deposits to total assets | 88.0971% | 1,203 |
| Equity capital to assets | 10.0234% | 3,619 |
| Core capital (leverage) ratio | 9.5065% | 4,167 |
| Tier 1 risk-based capital ratio | 10.9432% | 5,064 |
| Total risk-based capital ratio | 11.4042% | 5,276 |
| Memoranda: | ||
| Average total assets | $1,478,475,750 | 545 |
| Average earning assets | $1,318,988,000 | 554 |
| Average equity | $153,442,250 | 554 |
| Average total loans | $1,053,038,750 | 533 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9185% | 4,020 |
| Cost of funding earning assets | 0.5163% | 2,889 |
| Net interest margin | 3.4022% | 3,946 |
| Noninterest income to average assets | 0.8531% | 1,308 |
| Noninterest expense to average assets | 2.5099% | 3,607 |
| Loan and lease loss provision to assets | -0.1182% | 5,439 |
| Net operating income to assets | 1.1101% | 2,547 |
| Return on assets (ROA) | 1.1007% | 2,588 |
| Pretax return on assets | 1.4810% | 1,882 |
| Return on Equity (ROE) | 10.4808% | 2,338 |
| Retained earnings to average equity (ytd only) | 5.2717% | 2,944 |
| Net charge-offs to loans | -0.1436% | 5,261 |
| Credit loss provision to net charge-offs | 114.7410% | 1,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0825% | 3,309 |
| Assets per employee ($millions) | 9.9136% | 324 |
| Cash dividends to net income (ytd only)* | 49.7018% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5455% | 5,202 |
| Loan loss allowance to noncurrent loans | 95.0382% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 0.6364% | 2,313 |
| Noncurrent loans to loans | 0.5740% | 2,699 |
| Net loans and leases to total assets | 69.7498% | 2,615 |
| Net loans and leases to deposits | 79.4656% | 3,006 |
| Net loans and leases to core deposits | 85.6779% | 2,952 |
| Total domestic deposits to total assets | 87.7735% | 1,485 |
| Equity capital to assets | 10.4054% | 3,205 |
| Core capital (leverage) ratio | 9.9536% | 3,627 |
| Tier 1 risk-based capital ratio | 11.2678% | 4,913 |
| Total risk-based capital ratio | 11.7217% | 5,180 |
| Memoranda: | ||
| Average total assets | $1,462,356,000 | 548 |
| Average earning assets | $1,303,053,670 | 560 |
| Average equity | $153,576,000 | 547 |
| Average total loans | $1,048,387,000 | 531 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8363% | 4,122 |
| Cost of funding earning assets | 0.4662% | 3,077 |
| Net interest margin | 3.3701% | 3,987 |
| Noninterest income to average assets | 0.8307% | 1,361 |
| Noninterest expense to average assets | 2.5026% | 3,635 |
| Loan and lease loss provision to assets | -0.0310% | 5,440 |
| Net operating income to assets | 1.0067% | 2,832 |
| Return on assets (ROA) | 0.9879% | 2,932 |
| Pretax return on assets | 1.3289% | 2,254 |
| Return on Equity (ROE) | 9.3624% | 2,739 |
| Retained earnings to average equity (ytd only) | -1.1306% | 4,924 |
| Net charge-offs to loans | 0.0901% | 1,259 |
| Credit loss provision to net charge-offs | -47.4576% | 3,620 |
| Earnings coverage of net charge-offs (x) | 20.2331% | 1,475 |
| Efficiency ratio | 64.8741% | 3,343 |
| Assets per employee ($millions) | 10.0814% | 314 |
| Cash dividends to net income (ytd only)* | 112.0762% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5183% | 5,306 |
| Loan loss allowance to noncurrent loans | 84.9845% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 0.7339% | 2,111 |
| Noncurrent loans to loans | 0.6098% | 2,716 |
| Net loans and leases to total assets | 72.0894% | 2,154 |
| Net loans and leases to deposits | 83.7087% | 2,421 |
| Net loans and leases to core deposits | 89.5371% | 2,490 |
| Total domestic deposits to total assets | 86.1194% | 2,494 |
| Equity capital to assets | 10.3670% | 3,201 |
| Core capital (leverage) ratio | 9.8536% | 3,707 |
| Tier 1 risk-based capital ratio | 10.8242% | 5,238 |
| Total risk-based capital ratio | 11.2564% | 5,441 |
| Memoranda: | ||
| Average total assets | $1,445,057,500 | 554 |
| Average earning assets | $1,283,645,500 | 568 |
| Average equity | $152,482,000 | 556 |
| Average total loans | $1,047,656,500 | 535 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6555% | 4,439 |
| Cost of funding earning assets | 0.3546% | 3,664 |
| Net interest margin | 3.3009% | 4,162 |
| Noninterest income to average assets | 0.7072% | 1,932 |
| Noninterest expense to average assets | 2.5201% | 3,711 |
| Loan and lease loss provision to assets | 0.0131% | 4,027 |
| Net operating income to assets | 0.8953% | 2,736 |
| Return on assets (ROA) | 0.8924% | 2,784 |
| Pretax return on assets | 1.0992% | 3,189 |
| Return on Equity (ROE) | 8.5915% | 2,497 |
| Retained earnings to average equity (ytd only) | 8.5915% | 589 |
| Net charge-offs to loans | 0.0069% | 3,829 |
| Credit loss provision to net charge-offs | 271.6418% | 1,028 |
| Earnings coverage of net charge-offs (x) | 230.7015% | 357 |
| Efficiency ratio | 68.6403% | 2,766 |
| Assets per employee ($millions) | 9.5221% | 372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5635% | 5,304 |
| Loan loss allowance to noncurrent loans | 100.8116% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 0.7377% | 2,123 |
| Noncurrent loans to loans | 0.5590% | 2,822 |
| Net loans and leases to total assets | 72.1257% | 2,218 |
| Net loans and leases to deposits | 84.9262% | 2,383 |
| Net loans and leases to core deposits | 91.0541% | 2,457 |
| Total domestic deposits to total assets | 84.9275% | 2,865 |
| Equity capital to assets | 10.7412% | 2,905 |
| Core capital (leverage) ratio | 9.8512% | 3,637 |
| Tier 1 risk-based capital ratio | 11.0923% | 5,091 |
| Total risk-based capital ratio | 11.5623% | 5,362 |
| Memoranda: | ||
| Average total assets | $1,385,141,400 | 556 |
| Average earning assets | $1,228,980,600 | 572 |
| Average equity | $143,874,000 | 562 |
| Average total loans | $977,372,600 | 556 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5959% | 4,575 |
| Cost of funding earning assets | 0.3286% | 3,857 |
| Net interest margin | 3.2672% | 4,270 |
| Noninterest income to average assets | 0.6964% | 2,021 |
| Noninterest expense to average assets | 2.4833% | 3,791 |
| Loan and lease loss provision to assets | -0.0199% | 5,480 |
| Net operating income to assets | 0.7162% | 3,894 |
| Return on assets (ROA) | 0.7141% | 3,965 |
| Pretax return on assets | 1.1318% | 3,179 |
| Return on Equity (ROE) | 6.9366% | 3,697 |
| Retained earnings to average equity (ytd only) | 6.9366% | 1,724 |
| Net charge-offs to loans | 0.0353% | 2,725 |
| Credit loss provision to net charge-offs | -80.3922% | 4,489 |
| Earnings coverage of net charge-offs (x) | 45.0786% | 1,198 |
| Efficiency ratio | 68.3121% | 2,818 |
| Assets per employee ($millions) | 9.9096% | 322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5388% | 5,416 |
| Loan loss allowance to noncurrent loans | 172.8975% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.5767% | 2,799 |
| Noncurrent loans to loans | 0.3116% | 3,831 |
| Net loans and leases to total assets | 67.6156% | 2,900 |
| Net loans and leases to deposits | 76.9444% | 3,275 |
| Net loans and leases to core deposits | 82.4039% | 3,253 |
| Total domestic deposits to total assets | 87.8759% | 1,429 |
| Equity capital to assets | 10.3242% | 3,574 |
| Core capital (leverage) ratio | 9.5951% | 4,039 |
| Tier 1 risk-based capital ratio | 11.0421% | 5,223 |
| Total risk-based capital ratio | 11.4797% | 5,484 |
| Memoranda: | ||
| Average total assets | $1,374,347,500 | 558 |
| Average earning assets | $1,220,780,250 | 576 |
| Average equity | $141,487,750 | 578 |
| Average total loans | $962,710,250 | 562 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5224% | 4,708 |
| Cost of funding earning assets | 0.2909% | 4,178 |
| Net interest margin | 3.2315% | 4,323 |
| Noninterest income to average assets | 0.6448% | 2,229 |
| Noninterest expense to average assets | 2.4544% | 3,908 |
| Loan and lease loss provision to assets | -0.0337% | 5,584 |
| Net operating income to assets | 0.6962% | 3,869 |
| Return on assets (ROA) | 0.6948% | 3,938 |
| Pretax return on assets | 1.0930% | 3,212 |
| Return on Equity (ROE) | 6.7557% | 3,691 |
| Retained earnings to average equity (ytd only) | 6.7557% | 1,714 |
| Net charge-offs to loans | 0.0495% | 2,230 |
| Credit loss provision to net charge-offs | -96.2025% | 4,342 |
| Earnings coverage of net charge-offs (x) | 30.3122% | 1,454 |
| Efficiency ratio | 69.0594% | 2,839 |
| Assets per employee ($millions) | 9.3037% | 372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5462% | 5,461 |
| Loan loss allowance to noncurrent loans | 154.4344% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.6740% | 2,526 |
| Noncurrent loans to loans | 0.3537% | 3,763 |
| Net loans and leases to total assets | 68.8375% | 2,687 |
| Net loans and leases to deposits | 78.3052% | 3,086 |
| Net loans and leases to core deposits | 86.2053% | 2,860 |
| Total domestic deposits to total assets | 87.9092% | 1,502 |
| Equity capital to assets | 10.3672% | 3,496 |
| Core capital (leverage) ratio | 9.6814% | 3,916 |
| Tier 1 risk-based capital ratio | 10.8846% | 5,315 |
| Total risk-based capital ratio | 11.3279% | 5,557 |
| Memoranda: | ||
| Average total assets | $1,353,500,000 | 572 |
| Average earning assets | $1,202,530,330 | 589 |
| Average equity | $139,201,000 | 584 |
| Average total loans | $958,005,330 | 564 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5174% | 4,647 |
| Cost of funding earning assets | 0.2685% | 4,372 |
| Net interest margin | 3.2490% | 4,185 |
| Noninterest income to average assets | 0.5097% | 2,911 |
| Noninterest expense to average assets | 2.3714% | 4,197 |
| Loan and lease loss provision to assets | -0.0265% | 5,680 |
| Net operating income to assets | 0.6781% | 3,796 |
| Return on assets (ROA) | 0.6754% | 3,848 |
| Pretax return on assets | 1.0517% | 3,166 |
| Return on Equity (ROE) | 6.5951% | 3,608 |
| Retained earnings to average equity (ytd only) | 6.5951% | 2,028 |
| Net charge-offs to loans | 0.0921% | 1,430 |
| Credit loss provision to net charge-offs | -40.1826% | 3,850 |
| Earnings coverage of net charge-offs (x) | 15.6027% | 1,666 |
| Efficiency ratio | 68.9166% | 3,060 |
| Assets per employee ($millions) | 9.1039% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5821% | 5,511 |
| Loan loss allowance to noncurrent loans | 152.9574% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.7507% | 2,422 |
| Noncurrent loans to loans | 0.3806% | 3,734 |
| Net loans and leases to total assets | 70.4724% | 2,299 |
| Net loans and leases to deposits | 79.0984% | 2,850 |
| Net loans and leases to core deposits | 83.7061% | 2,929 |
| Total domestic deposits to total assets | 89.0946% | 1,103 |
| Equity capital to assets | 10.1871% | 3,522 |
| Core capital (leverage) ratio | 9.5618% | 4,042 |
| Tier 1 risk-based capital ratio | 10.7060% | 5,455 |
| Total risk-based capital ratio | 11.1900% | 5,686 |
| Memoranda: | ||
| Average total assets | $1,327,817,000 | 584 |
| Average earning assets | $1,181,538,500 | 602 |
| Average equity | $135,979,000 | 595 |
| Average total loans | $950,815,500 | 570 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5314% | 4,695 |
| Cost of funding earning assets | 0.2497% | 4,568 |
| Net interest margin | 3.2817% | 4,202 |
| Noninterest income to average assets | 0.3850% | 3,999 |
| Noninterest expense to average assets | 2.3247% | 4,502 |
| Loan and lease loss provision to assets | 0.1581% | 1,571 |
| Net operating income to assets | 0.5060% | 4,608 |
| Return on assets (ROA) | 0.5126% | 4,662 |
| Pretax return on assets | 0.7857% | 4,226 |
| Return on Equity (ROE) | 5.1446% | 4,348 |
| Retained earnings to average equity (ytd only) | 3.5519% | 3,399 |
| Net charge-offs to loans | 0.1166% | 2,092 |
| Credit loss provision to net charge-offs | 191.7228% | 1,481 |
| Earnings coverage of net charge-offs (x) | 11.3234% | 2,549 |
| Efficiency ratio | 70.3695% | 2,845 |
| Assets per employee ($millions) | 8.5507% | 492 |
| Cash dividends to net income (ytd only)* | 30.9598% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6080% | 5,514 |
| Loan loss allowance to noncurrent loans | 128.4598% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.9534% | 1,988 |
| Noncurrent loans to loans | 0.4733% | 3,453 |
| Net loans and leases to total assets | 71.9115% | 2,179 |
| Net loans and leases to deposits | 80.7685% | 2,806 |
| Net loans and leases to core deposits | 85.4097% | 2,893 |
| Total domestic deposits to total assets | 89.0341% | 1,103 |
| Equity capital to assets | 10.2961% | 3,390 |
| Core capital (leverage) ratio | 9.3477% | 4,288 |
| Tier 1 risk-based capital ratio | 10.7057% | 5,484 |
| Total risk-based capital ratio | 11.2145% | 5,707 |
| Memoranda: | ||
| Average total assets | $1,260,123,000 | 587 |
| Average earning assets | $1,103,310,200 | 605 |
| Average equity | $125,567,800 | 637 |
| Average total loans | $891,151,000 | 567 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5819% | 4,600 |
| Cost of funding earning assets | 0.2437% | 4,662 |
| Net interest margin | 3.3382% | 4,067 |
| Noninterest income to average assets | 0.3257% | 4,449 |
| Noninterest expense to average assets | 2.3183% | 4,491 |
| Loan and lease loss provision to assets | 0.1799% | 1,235 |
| Net operating income to assets | 0.4809% | 4,762 |
| Return on assets (ROA) | 0.4889% | 4,827 |
| Pretax return on assets | 0.7493% | 4,475 |
| Return on Equity (ROE) | 4.9499% | 4,534 |
| Retained earnings to average equity (ytd only) | 4.9499% | 2,860 |
| Net charge-offs to loans | 0.1309% | 1,657 |
| Credit loss provision to net charge-offs | 195.5865% | 1,466 |
| Earnings coverage of net charge-offs (x) | 9.9675% | 2,625 |
| Efficiency ratio | 70.6436% | 2,801 |
| Assets per employee ($millions) | 8.7866% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5859% | 5,629 |
| Loan loss allowance to noncurrent loans | 98.5464% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 1.0980% | 1,855 |
| Noncurrent loans to loans | 0.5945% | 3,224 |
| Net loans and leases to total assets | 72.4465% | 2,122 |
| Net loans and leases to deposits | 81.6143% | 2,780 |
| Net loans and leases to core deposits | 86.3156% | 2,923 |
| Total domestic deposits to total assets | 88.7669% | 1,020 |
| Equity capital to assets | 10.4593% | 3,608 |
| Core capital (leverage) ratio | 9.5944% | 4,064 |
| Tier 1 risk-based capital ratio | 10.8347% | 5,464 |
| Total risk-based capital ratio | 11.3377% | 5,715 |
| Memoranda: | ||
| Average total assets | $1,248,090,750 | 588 |
| Average earning assets | $1,087,745,500 | 611 |
| Average equity | $123,285,000 | 649 |
| Average total loans | $877,304,250 | 571 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6639% | 4,402 |
| Cost of funding earning assets | 0.2420% | 4,735 |
| Net interest margin | 3.4219% | 3,794 |
| Noninterest income to average assets | 0.2534% | 4,955 |
| Noninterest expense to average assets | 2.3485% | 4,473 |
| Loan and lease loss provision to assets | 0.0965% | 2,226 |
| Net operating income to assets | 0.4947% | 4,702 |
| Return on assets (ROA) | 0.5145% | 4,733 |
| Pretax return on assets | 0.7974% | 4,289 |
| Return on Equity (ROE) | 5.3213% | 4,369 |
| Retained earnings to average equity (ytd only) | 5.3213% | 2,533 |
| Net charge-offs to loans | 0.0513% | 2,468 |
| Credit loss provision to net charge-offs | 271.1009% | 1,044 |
| Earnings coverage of net charge-offs (x) | 24.2523% | 1,556 |
| Efficiency ratio | 72.0525% | 2,643 |
| Assets per employee ($millions) | 7.7777% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6176% | 5,656 |
| Loan loss allowance to noncurrent loans | 76.1246% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 1.2297% | 1,671 |
| Noncurrent loans to loans | 0.8112% | 2,720 |
| Net loans and leases to total assets | 68.7100% | 2,679 |
| Net loans and leases to deposits | 77.0958% | 3,253 |
| Net loans and leases to core deposits | 81.6066% | 3,308 |
| Total domestic deposits to total assets | 89.1229% | 868 |
| Equity capital to assets | 10.0401% | 4,174 |
| Core capital (leverage) ratio | 8.8908% | 4,950 |
| Tier 1 risk-based capital ratio | 10.6610% | 5,600 |
| Total risk-based capital ratio | 11.1829% | 5,823 |
| Memoranda: | ||
| Average total assets | $1,224,792,670 | 603 |
| Average earning assets | $1,058,871,670 | 621 |
| Average equity | $118,429,330 | 678 |
| Average total loans | $849,585,330 | 584 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6941% | 4,345 |
| Cost of funding earning assets | 0.2370% | 4,840 |
| Net interest margin | 3.4572% | 3,633 |
| Noninterest income to average assets | 0.2353% | 5,061 |
| Noninterest expense to average assets | 2.3015% | 4,662 |
| Loan and lease loss provision to assets | 0.1185% | 1,782 |
| Net operating income to assets | 0.5523% | 4,411 |
| Return on assets (ROA) | 0.5815% | 4,379 |
| Pretax return on assets | 0.9061% | 3,822 |
| Return on Equity (ROE) | 6.1335% | 3,916 |
| Retained earnings to average equity (ytd only) | 6.1335% | 2,312 |
| Net charge-offs to loans | 0.1389% | 1,282 |
| Credit loss provision to net charge-offs | 122.7891% | 1,425 |
| Earnings coverage of net charge-offs (x) | 10.1463% | 1,943 |
| Efficiency ratio | 69.0776% | 3,287 |
| Assets per employee ($millions) | 7.3750% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6315% | 5,702 |
| Loan loss allowance to noncurrent loans | 64.6489% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 1.3505% | 1,568 |
| Noncurrent loans to loans | 0.9768% | 2,429 |
| Net loans and leases to total assets | 68.6336% | 2,554 |
| Net loans and leases to deposits | 76.8017% | 3,127 |
| Net loans and leases to core deposits | 80.9383% | 3,240 |
| Total domestic deposits to total assets | 89.3647% | 913 |
| Equity capital to assets | 9.5708% | 4,595 |
| Core capital (leverage) ratio | 8.5487% | 5,346 |
| Tier 1 risk-based capital ratio | 10.3029% | 5,825 |
| Total risk-based capital ratio | 10.8449% | 5,971 |
| Memoranda: | ||
| Average total assets | $1,218,860,500 | 600 |
| Average earning assets | $1,073,589,500 | 619 |
| Average equity | $115,563,000 | 692 |
| Average total loans | $846,884,500 | 588 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8609% | 3,843 |
| Cost of funding earning assets | 0.2504% | 4,783 |
| Net interest margin | 3.6105% | 3,092 |
| Noninterest income to average assets | 0.3880% | 4,127 |
| Noninterest expense to average assets | 2.3162% | 4,733 |
| Loan and lease loss provision to assets | 0.3044% | 563 |
| Net operating income to assets | 0.6011% | 4,261 |
| Return on assets (ROA) | 0.5960% | 4,396 |
| Pretax return on assets | 0.9348% | 3,707 |
| Return on Equity (ROE) | 6.3393% | 3,882 |
| Retained earnings to average equity (ytd only) | 2.7839% | 4,094 |
| Net charge-offs to loans | 0.1906% | 1,521 |
| Credit loss provision to net charge-offs | 248.6007% | 1,162 |
| Earnings coverage of net charge-offs (x) | 10.1863% | 2,721 |
| Efficiency ratio | 64.1229% | 4,232 |
| Assets per employee ($millions) | 6.7792% | 971 |
| Cash dividends to net income (ytd only)* | 56.0852% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6515% | 5,723 |
| Loan loss allowance to noncurrent loans | 64.9201% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 1.3677% | 1,534 |
| Noncurrent loans to loans | 1.0036% | 2,332 |
| Net loans and leases to total assets | 69.4418% | 2,460 |
| Net loans and leases to deposits | 78.5473% | 2,991 |
| Net loans and leases to core deposits | 82.5390% | 3,093 |
| Total domestic deposits to total assets | 88.4076% | 1,423 |
| Equity capital to assets | 9.3908% | 4,678 |
| Core capital (leverage) ratio | 8.4625% | 5,464 |
| Tier 1 risk-based capital ratio | 10.3377% | 5,852 |
| Total risk-based capital ratio | 11.3202% | 5,871 |
| Memoranda: | ||
| Average total assets | $1,196,643,200 | 588 |
| Average earning assets | $1,052,404,200 | 615 |
| Average equity | $112,503,800 | 681 |
| Average total loans | $768,769,600 | 605 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9191% | 3,688 |
| Cost of funding earning assets | 0.2584% | 4,786 |
| Net interest margin | 3.6608% | 2,923 |
| Noninterest income to average assets | 0.4135% | 3,982 |
| Noninterest expense to average assets | 2.3040% | 4,768 |
| Loan and lease loss provision to assets | 0.2672% | 611 |
| Net operating income to assets | 0.6618% | 4,070 |
| Return on assets (ROA) | 0.6608% | 4,191 |
| Pretax return on assets | 1.0425% | 3,444 |
| Return on Equity (ROE) | 7.0267% | 3,600 |
| Retained earnings to average equity (ytd only) | 2.2709% | 4,751 |
| Net charge-offs to loans | 0.1887% | 1,353 |
| Credit loss provision to net charge-offs | 225.4717% | 1,220 |
| Earnings coverage of net charge-offs (x) | 11.0641% | 2,535 |
| Efficiency ratio | 62.8688% | 4,430 |
| Assets per employee ($millions) | 6.9387% | 893 |
| Cash dividends to net income (ytd only)* | 67.6819% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6346% | 5,845 |
| Loan loss allowance to noncurrent loans | 48.1390% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 1.9605% | 1,051 |
| Noncurrent loans to loans | 1.3183% | 1,935 |
| Net loans and leases to total assets | 66.9033% | 2,863 |
| Net loans and leases to deposits | 74.9251% | 3,429 |
| Net loans and leases to core deposits | 78.7467% | 3,540 |
| Total domestic deposits to total assets | 89.2936% | 874 |
| Equity capital to assets | 9.5594% | 4,681 |
| Core capital (leverage) ratio | 8.3903% | 5,635 |
| Tier 1 risk-based capital ratio | 10.7377% | 5,788 |
| Total risk-based capital ratio | 11.8280% | 5,778 |
| Memoranda: | ||
| Average total assets | $1,192,436,250 | 593 |
| Average earning assets | $1,042,964,250 | 620 |
| Average equity | $112,141,000 | 690 |
| Average total loans | $748,916,500 | 625 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9675% | 3,415 |
| Cost of funding earning assets | 0.2622% | 4,808 |
| Net interest margin | 3.7053% | 2,685 |
| Noninterest income to average assets | 0.4632% | 3,611 |
| Noninterest expense to average assets | 2.2912% | 4,864 |
| Loan and lease loss provision to assets | 0.3173% | 452 |
| Net operating income to assets | 0.6783% | 3,984 |
| Return on assets (ROA) | 0.6768% | 4,104 |
| Pretax return on assets | 1.0730% | 3,284 |
| Return on Equity (ROE) | 7.2364% | 3,464 |
| Retained earnings to average equity (ytd only) | 0.0752% | 5,479 |
| Net charge-offs to loans | 0.1685% | 1,458 |
| Credit loss provision to net charge-offs | 307.1313% | 920 |
| Earnings coverage of net charge-offs (x) | 13.4797% | 2,130 |
| Efficiency ratio | 61.3364% | 4,782 |
| Assets per employee ($millions) | 7.1434% | 788 |
| Cash dividends to net income (ytd only)* | 98.9609% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5551% | 6,038 |
| Loan loss allowance to noncurrent loans | 42.4178% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 1.8548% | 1,236 |
| Noncurrent loans to loans | 1.3087% | 2,055 |
| Net loans and leases to total assets | 66.2810% | 2,898 |
| Net loans and leases to deposits | 74.8557% | 3,397 |
| Net loans and leases to core deposits | 78.6405% | 3,515 |
| Total domestic deposits to total assets | 88.5450% | 1,388 |
| Equity capital to assets | 9.1823% | 5,040 |
| Core capital (leverage) ratio | 8.2174% | 5,774 |
| Tier 1 risk-based capital ratio | 10.5731% | 5,892 |
| Total risk-based capital ratio | 11.5968% | 5,916 |
| Memoranda: | ||
| Average total assets | $1,194,408,670 | 593 |
| Average earning assets | $1,038,184,330 | 626 |
| Average equity | $111,713,330 | 695 |
| Average total loans | $732,258,670 | 638 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0383% | 3,089 |
| Cost of funding earning assets | 0.2643% | 4,857 |
| Net interest margin | 3.7740% | 2,334 |
| Noninterest income to average assets | 0.3072% | 4,728 |
| Noninterest expense to average assets | 2.3110% | 4,850 |
| Loan and lease loss provision to assets | 0.2045% | 891 |
| Net operating income to assets | 0.6455% | 4,067 |
| Return on assets (ROA) | 0.6506% | 4,164 |
| Pretax return on assets | 1.0305% | 3,375 |
| Return on Equity (ROE) | 6.8936% | 3,564 |
| Retained earnings to average equity (ytd only) | 6.8936% | 2,055 |
| Net charge-offs to loans | 0.1661% | 1,279 |
| Credit loss provision to net charge-offs | 209.9656% | 1,021 |
| Earnings coverage of net charge-offs (x) | 12.5979% | 1,784 |
| Efficiency ratio | 64.4026% | 4,418 |
| Assets per employee ($millions) | 7.2207% | 772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5076% | 6,161 |
| Loan loss allowance to noncurrent loans | 24.1252% | 5,666 |
| Noncurrent assets plus other real estate owned to assets | 2.0535% | 1,146 |
| Noncurrent loans to loans | 2.1041% | 1,225 |
| Net loans and leases to total assets | 58.9245% | 3,810 |
| Net loans and leases to deposits | 65.5334% | 4,195 |
| Net loans and leases to core deposits | 68.5968% | 4,279 |
| Total domestic deposits to total assets | 89.9152% | 781 |
| Equity capital to assets | 9.4409% | 4,819 |
| Core capital (leverage) ratio | 8.3848% | 5,652 |
| Tier 1 risk-based capital ratio | 11.4493% | 5,586 |
| Total risk-based capital ratio | 11.8748% | 5,895 |
| Memoranda: | ||
| Average total assets | $1,195,138,000 | 585 |
| Average earning assets | $1,023,104,500 | 629 |
| Average equity | $112,800,000 | 688 |
| Average total loans | $700,831,500 | 658 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9588% | 841 |
| Cost of funding earning assets | 0.2839% | 4,966 |
| Net interest margin | 4.6749% | 543 |
| Noninterest income to average assets | 0.2375% | 5,435 |
| Noninterest expense to average assets | 2.4801% | 4,612 |
| Loan and lease loss provision to assets | 0.0960% | 2,549 |
| Net operating income to assets | 1.0296% | 2,266 |
| Return on assets (ROA) | 1.0156% | 2,392 |
| Pretax return on assets | 1.6384% | 1,127 |
| Return on Equity (ROE) | 10.8340% | 1,773 |
| Retained earnings to average equity (ytd only) | 2.8283% | 4,227 |
| Net charge-offs to loans | -0.0271% | 5,766 |
| Credit loss provision to net charge-offs | -597.2527% | 5,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6901% | 5,494 |
| Assets per employee ($millions) | 6.8442% | 909 |
| Cash dividends to net income (ytd only)* | 73.8938% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4934% | 6,263 |
| Loan loss allowance to noncurrent loans | 24.9500% | 5,758 |
| Noncurrent assets plus other real estate owned to assets | 2.0684% | 1,208 |
| Noncurrent loans to loans | 1.9776% | 1,410 |
| Net loans and leases to total assets | 57.7511% | 4,081 |
| Net loans and leases to deposits | 64.1767% | 4,509 |
| Net loans and leases to core deposits | 67.3266% | 4,566 |
| Total domestic deposits to total assets | 89.9877% | 737 |
| Equity capital to assets | 9.4355% | 4,800 |
| Core capital (leverage) ratio | 8.3762% | 5,694 |
| Tier 1 risk-based capital ratio | 12.0230% | 5,349 |
| Total risk-based capital ratio | 12.4449% | 5,756 |
| Memoranda: | ||
| Average total assets | $1,132,658,800 | 594 |
| Average earning assets | $968,875,000 | 629 |
| Average equity | $106,175,000 | 686 |
| Average total loans | $672,827,400 | 645 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0711% | 682 |
| Cost of funding earning assets | 0.2833% | 5,059 |
| Net interest margin | 4.7879% | 442 |
| Noninterest income to average assets | 0.3173% | 4,902 |
| Noninterest expense to average assets | 2.5373% | 4,402 |
| Loan and lease loss provision to assets | 0.1082% | 2,232 |
| Net operating income to assets | 1.0962% | 2,052 |
| Return on assets (ROA) | 1.0804% | 2,174 |
| Pretax return on assets | 1.7464% | 987 |
| Return on Equity (ROE) | 11.5455% | 1,612 |
| Retained earnings to average equity (ytd only) | 0.7470% | 5,580 |
| Net charge-offs to loans | 0.0320% | 3,847 |
| Credit loss provision to net charge-offs | 565.2174% | 518 |
| Earnings coverage of net charge-offs (x) | 98.1869% | 596 |
| Efficiency ratio | 56.6095% | 5,599 |
| Assets per employee ($millions) | 6.7529% | 892 |
| Cash dividends to net income (ytd only)* | 93.5299% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5296% | 6,303 |
| Loan loss allowance to noncurrent loans | 26.5863% | 5,808 |
| Noncurrent assets plus other real estate owned to assets | 2.1859% | 1,264 |
| Noncurrent loans to loans | 1.9920% | 1,591 |
| Net loans and leases to total assets | 59.9431% | 3,793 |
| Net loans and leases to deposits | 66.3232% | 4,295 |
| Net loans and leases to core deposits | 70.3469% | 4,292 |
| Total domestic deposits to total assets | 90.3804% | 579 |
| Equity capital to assets | 9.1181% | 5,237 |
| Core capital (leverage) ratio | 8.1335% | 5,983 |
| Tier 1 risk-based capital ratio | 11.2244% | 5,902 |
| Total risk-based capital ratio | 11.6768% | 6,184 |
| Memoranda: | ||
| Average total assets | $1,121,524,250 | 598 |
| Average earning assets | $960,232,250 | 632 |
| Average equity | $104,950,000 | 694 |
| Average total loans | $670,230,500 | 645 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2815% | 444 |
| Cost of funding earning assets | 0.2834% | 5,148 |
| Net interest margin | 4.9981% | 282 |
| Noninterest income to average assets | 0.2885% | 5,114 |
| Noninterest expense to average assets | 2.5685% | 4,355 |
| Loan and lease loss provision to assets | 0.0805% | 2,691 |
| Net operating income to assets | 1.1685% | 1,694 |
| Return on assets (ROA) | 1.1443% | 1,860 |
| Pretax return on assets | 1.8485% | 759 |
| Return on Equity (ROE) | 12.1186% | 1,384 |
| Retained earnings to average equity (ytd only) | 0.6045% | 5,493 |
| Net charge-offs to loans | 0.0189% | 3,842 |
| Credit loss provision to net charge-offs | 716.1290% | 444 |
| Earnings coverage of net charge-offs (x) | 175.0484% | 361 |
| Efficiency ratio | 55.7917% | 5,765 |
| Assets per employee ($millions) | 6.4239% | 1,049 |
| Cash dividends to net income (ytd only)* | 95.0119% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4175% | 6,477 |
| Loan loss allowance to noncurrent loans | 17.3713% | 6,023 |
| Noncurrent assets plus other real estate owned to assets | 2.3825% | 1,219 |
| Noncurrent loans to loans | 2.4033% | 1,314 |
| Net loans and leases to total assets | 61.8805% | 3,426 |
| Net loans and leases to deposits | 68.6104% | 3,978 |
| Net loans and leases to core deposits | 72.1153% | 4,043 |
| Total domestic deposits to total assets | 90.1912% | 713 |
| Equity capital to assets | 9.2744% | 5,006 |
| Core capital (leverage) ratio | 8.6835% | 5,425 |
| Tier 1 risk-based capital ratio | 11.1373% | 5,995 |
| Total risk-based capital ratio | 11.4974% | 6,281 |
| Memoranda: | ||
| Average total assets | $1,103,695,000 | 610 |
| Average earning assets | $937,763,000 | 651 |
| Average equity | $104,220,330 | 698 |
| Average total loans | $657,611,000 | 650 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9738% | 755 |
| Cost of funding earning assets | 0.2830% | 5,241 |
| Net interest margin | 4.6908% | 478 |
| Noninterest income to average assets | 0.3968% | 4,214 |
| Noninterest expense to average assets | 2.4501% | 4,787 |
| Loan and lease loss provision to assets | -0.0004% | 6,358 |
| Net operating income to assets | 1.1922% | 1,503 |
| Return on assets (ROA) | 1.1749% | 1,619 |
| Pretax return on assets | 1.8963% | 654 |
| Return on Equity (ROE) | 12.3252% | 1,333 |
| Retained earnings to average equity (ytd only) | -3.2075% | 5,983 |
| Net charge-offs to loans | -0.2403% | 6,432 |
| Credit loss provision to net charge-offs | 0.2646% | 2,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1126% | 5,914 |
| Assets per employee ($millions) | 6.0682% | 1,258 |
| Cash dividends to net income (ytd only)* | 126.0239% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4502% | 6,537 |
| Loan loss allowance to noncurrent loans | 17.5937% | 6,112 |
| Noncurrent assets plus other real estate owned to assets | 2.2757% | 1,444 |
| Noncurrent loans to loans | 2.5586% | 1,348 |
| Net loans and leases to total assets | 59.1281% | 3,681 |
| Net loans and leases to deposits | 65.7606% | 4,124 |
| Net loans and leases to core deposits | 69.5420% | 4,152 |
| Total domestic deposits to total assets | 89.9141% | 1,116 |
| Equity capital to assets | 9.5818% | 4,382 |
| Core capital (leverage) ratio | 8.8070% | 5,256 |
| Tier 1 risk-based capital ratio | 11.9354% | 5,684 |
| Total risk-based capital ratio | 12.3135% | 6,078 |
| Memoranda: | ||
| Average total assets | $1,080,607,000 | 627 |
| Average earning assets | $916,008,000 | 669 |
| Average equity | $103,008,500 | 704 |
| Average total loans | $629,152,000 | 681 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9479% | 1,005 |
| Cost of funding earning assets | 0.3054% | 5,554 |
| Net interest margin | 4.6425% | 557 |
| Noninterest income to average assets | 0.3525% | 4,789 |
| Noninterest expense to average assets | 2.5297% | 4,672 |
| Loan and lease loss provision to assets | 0.1248% | 2,755 |
| Net operating income to assets | 0.9894% | 2,370 |
| Return on assets (ROA) | 0.9847% | 2,468 |
| Pretax return on assets | 1.5991% | 1,169 |
| Return on Equity (ROE) | 10.3219% | 1,983 |
| Retained earnings to average equity (ytd only) | 2.5860% | 4,410 |
| Net charge-offs to loans | 0.1497% | 3,306 |
| Credit loss provision to net charge-offs | 143.1681% | 1,628 |
| Earnings coverage of net charge-offs (x) | 19.8585% | 1,583 |
| Efficiency ratio | 58.4898% | 5,676 |
| Assets per employee ($millions) | 5.7504% | 1,444 |
| Cash dividends to net income (ytd only)* | 74.9465% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6118% | 6,457 |
| Loan loss allowance to noncurrent loans | 23.7624% | 6,099 |
| Noncurrent assets plus other real estate owned to assets | 2.3435% | 1,488 |
| Noncurrent loans to loans | 2.5745% | 1,453 |
| Net loans and leases to total assets | 56.7007% | 4,224 |
| Net loans and leases to deposits | 64.9594% | 4,417 |
| Net loans and leases to core deposits | 68.7890% | 4,426 |
| Total domestic deposits to total assets | 87.2864% | 2,584 |
| Equity capital to assets | 9.4832% | 4,448 |
| Core capital (leverage) ratio | 8.6463% | 5,484 |
| Tier 1 risk-based capital ratio | 12.2233% | 5,475 |
| Total risk-based capital ratio | 12.7245% | 5,861 |
| Memoranda: | ||
| Average total assets | $948,558,600 | 698 |
| Average earning assets | $798,596,000 | 755 |
| Average equity | $90,486,800 | 778 |
| Average total loans | $552,515,000 | 762 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8357% | 1,273 |
| Cost of funding earning assets | 0.3039% | 5,698 |
| Net interest margin | 4.5318% | 697 |
| Noninterest income to average assets | 0.4184% | 4,382 |
| Noninterest expense to average assets | 2.5051% | 4,705 |
| Loan and lease loss provision to assets | 0.1978% | 1,839 |
| Net operating income to assets | 0.9337% | 2,669 |
| Return on assets (ROA) | 0.9270% | 2,816 |
| Pretax return on assets | 1.5058% | 1,588 |
| Return on Equity (ROE) | 9.7012% | 2,304 |
| Retained earnings to average equity (ytd only) | 9.7012% | 854 |
| Net charge-offs to loans | 0.2130% | 2,549 |
| Credit loss provision to net charge-offs | 158.4597% | 1,489 |
| Earnings coverage of net charge-offs (x) | 13.7316% | 2,003 |
| Efficiency ratio | 58.5267% | 5,623 |
| Assets per employee ($millions) | 5.6807% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5078% | 6,652 |
| Loan loss allowance to noncurrent loans | 18.2189% | 6,285 |
| Noncurrent assets plus other real estate owned to assets | 2.3807% | 1,644 |
| Noncurrent loans to loans | 2.7870% | 1,502 |
| Net loans and leases to total assets | 56.1592% | 4,299 |
| Net loans and leases to deposits | 62.8366% | 4,649 |
| Net loans and leases to core deposits | 67.1766% | 4,604 |
| Total domestic deposits to total assets | 89.3733% | 1,371 |
| Equity capital to assets | 9.9021% | 4,046 |
| Core capital (leverage) ratio | 8.5830% | 5,683 |
| Tier 1 risk-based capital ratio | 12.2693% | 5,591 |
| Total risk-based capital ratio | 12.6871% | 6,048 |
| Memoranda: | ||
| Average total assets | $915,431,250 | 725 |
| Average earning assets | $767,744,250 | 789 |
| Average equity | $87,478,500 | 811 |
| Average total loans | $536,457,250 | 784 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5147% | 2,146 |
| Cost of funding earning assets | 0.3021% | 5,810 |
| Net interest margin | 4.2125% | 1,246 |
| Noninterest income to average assets | 0.3125% | 5,201 |
| Noninterest expense to average assets | 2.3652% | 5,162 |
| Loan and lease loss provision to assets | 0.3092% | 1,150 |
| Net operating income to assets | 0.7149% | 3,739 |
| Return on assets (ROA) | 0.7104% | 3,927 |
| Pretax return on assets | 1.1484% | 2,890 |
| Return on Equity (ROE) | 7.5498% | 3,324 |
| Retained earnings to average equity (ytd only) | 7.5498% | 1,650 |
| Net charge-offs to loans | 0.2753% | 2,103 |
| Credit loss provision to net charge-offs | 188.7464% | 1,264 |
| Earnings coverage of net charge-offs (x) | 8.9402% | 2,345 |
| Efficiency ratio | 60.9408% | 5,343 |
| Assets per employee ($millions) | 6.0662% | 1,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4910% | 6,713 |
| Loan loss allowance to noncurrent loans | 22.5000% | 6,248 |
| Noncurrent assets plus other real estate owned to assets | 2.2891% | 1,891 |
| Noncurrent loans to loans | 2.1824% | 2,197 |
| Net loans and leases to total assets | 59.4596% | 3,755 |
| Net loans and leases to deposits | 66.4462% | 4,208 |
| Net loans and leases to core deposits | 71.6911% | 4,081 |
| Total domestic deposits to total assets | 89.4853% | 1,336 |
| Equity capital to assets | 9.6390% | 4,401 |
| Core capital (leverage) ratio | 8.7140% | 5,398 |
| Tier 1 risk-based capital ratio | 10.9056% | 6,374 |
| Total risk-based capital ratio | 11.3590% | 6,586 |
| Memoranda: | ||
| Average total assets | $857,013,000 | 772 |
| Average earning assets | $715,578,330 | 853 |
| Average equity | $80,637,670 | 900 |
| Average total loans | $510,061,000 | 833 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8291% | 4,723 |
| Cost of funding earning assets | 0.3305% | 5,719 |
| Net interest margin | 3.4986% | 3,704 |
| Noninterest income to average assets | 0.2817% | 5,445 |
| Noninterest expense to average assets | 2.2941% | 5,441 |
| Loan and lease loss provision to assets | 0.4772% | 571 |
| Net operating income to assets | 0.2712% | 5,660 |
| Return on assets (ROA) | 0.2602% | 5,818 |
| Pretax return on assets | 0.4072% | 5,540 |
| Return on Equity (ROE) | 2.8153% | 5,661 |
| Retained earnings to average equity (ytd only) | 2.8153% | 4,599 |
| Net charge-offs to loans | 0.1652% | 2,407 |
| Credit loss provision to net charge-offs | 486.8132% | 543 |
| Earnings coverage of net charge-offs (x) | 9.1978% | 1,872 |
| Efficiency ratio | 71.0265% | 3,785 |
| Assets per employee ($millions) | 6.3433% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7016% | 6,599 |
| Loan loss allowance to noncurrent loans | 28.2173% | 6,089 |
| Noncurrent assets plus other real estate owned to assets | 2.3989% | 1,936 |
| Noncurrent loans to loans | 2.4865% | 2,077 |
| Net loans and leases to total assets | 62.2989% | 3,003 |
| Net loans and leases to deposits | 69.2921% | 3,604 |
| Net loans and leases to core deposits | 78.5322% | 2,987 |
| Total domestic deposits to total assets | 89.9077% | 1,111 |
| Equity capital to assets | 9.2380% | 5,215 |
| Core capital (leverage) ratio | 8.9402% | 4,985 |
| Tier 1 risk-based capital ratio | 12.5746% | 5,533 |
| Total risk-based capital ratio | 13.2890% | 5,848 |
| Memoranda: | ||
| Average total assets | $742,597,500 | 909 |
| Average earning assets | $618,533,500 | 1,006 |
| Average equity | $68,624,500 | 1,061 |
| Average total loans | $440,679,500 | 971 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4566% | 6,407 |
| Cost of funding earning assets | 0.4337% | 5,693 |
| Net interest margin | 3.0228% | 5,999 |
| Noninterest income to average assets | 1.6597% | 582 |
| Noninterest expense to average assets | 2.1200% | 6,082 |
| Loan and lease loss provision to assets | 0.4790% | 1,285 |
| Net operating income to assets | 1.0013% | 2,329 |
| Return on assets (ROA) | 1.0026% | 2,548 |
| Pretax return on assets | 1.6304% | 1,304 |
| Return on Equity (ROE) | 11.5293% | 1,644 |
| Retained earnings to average equity (ytd only) | 11.5293% | 372 |
| Net charge-offs to loans | 0.8241% | 1,416 |
| Credit loss provision to net charge-offs | 93.0890% | 3,343 |
| Earnings coverage of net charge-offs (x) | 4.0951% | 3,483 |
| Efficiency ratio | 49.8582% | 6,597 |
| Assets per employee ($millions) | 5.9921% | 1,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6165% | 6,738 |
| Loan loss allowance to noncurrent loans | 15.8054% | 6,477 |
| Noncurrent assets plus other real estate owned to assets | 3.1140% | 1,513 |
| Noncurrent loans to loans | 3.9006% | 1,237 |
| Net loans and leases to total assets | 55.6058% | 4,361 |
| Net loans and leases to deposits | 62.4558% | 4,730 |
| Net loans and leases to core deposits | 69.7590% | 4,346 |
| Total domestic deposits to total assets | 89.0323% | 1,543 |
| Equity capital to assets | 9.2442% | 5,215 |
| Core capital (leverage) ratio | 8.8509% | 5,098 |
| Tier 1 risk-based capital ratio | 13.0816% | 5,049 |
| Total risk-based capital ratio | 14.7176% | 4,735 |
| Memoranda: | ||
| Average total assets | $508,955,800 | 1,313 |
| Average earning assets | $432,308,400 | 1,397 |
| Average equity | $44,261,000 | 1,577 |
| Average total loans | $317,809,200 | 1,322 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1858% | 6,803 |
| Cost of funding earning assets | 0.4415% | 5,863 |
| Net interest margin | 2.7443% | 6,583 |
| Noninterest income to average assets | 2.1581% | 384 |
| Noninterest expense to average assets | 1.9246% | 6,480 |
| Loan and lease loss provision to assets | 0.6106% | 889 |
| Net operating income to assets | 1.2118% | 1,693 |
| Return on assets (ROA) | 1.2145% | 1,864 |
| Pretax return on assets | 1.9785% | 734 |
| Return on Equity (ROE) | 14.3378% | 1,041 |
| Retained earnings to average equity (ytd only) | 14.3378% | 278 |
| Net charge-offs to loans | 0.7536% | 1,469 |
| Credit loss provision to net charge-offs | 124.4270% | 2,324 |
| Earnings coverage of net charge-offs (x) | 5.2672% | 3,063 |
| Efficiency ratio | 42.5599% | 6,945 |
| Assets per employee ($millions) | 5.2749% | 1,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8114% | 6,575 |
| Loan loss allowance to noncurrent loans | 35.6706% | 5,860 |
| Noncurrent assets plus other real estate owned to assets | 2.0323% | 2,600 |
| Noncurrent loans to loans | 2.2747% | 2,533 |
| Net loans and leases to total assets | 50.6795% | 5,224 |
| Net loans and leases to deposits | 56.9643% | 5,538 |
| Net loans and leases to core deposits | 63.6084% | 5,197 |
| Total domestic deposits to total assets | 88.9671% | 1,449 |
| Equity capital to assets | 8.6172% | 6,165 |
| Core capital (leverage) ratio | 15.3260% | 564 |
| Tier 1 risk-based capital ratio | 12.3943% | 5,705 |
| Total risk-based capital ratio | 14.4794% | 5,041 |
| Memoranda: | ||
| Average total assets | $450,438,500 | 1,475 |
| Average earning assets | $385,948,750 | 1,568 |
| Average equity | $38,154,500 | 1,840 |
| Average total loans | $293,329,500 | 1,448 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7523% | 6,246 |
| Cost of funding earning assets | 0.5364% | 5,396 |
| Net interest margin | 3.2159% | 5,687 |
| Noninterest income to average assets | 0.2240% | 5,964 |
| Noninterest expense to average assets | 2.4008% | 5,462 |
| Loan and lease loss provision to assets | 0.7686% | 671 |
| Net operating income to assets | -0.0115% | 6,338 |
| Return on assets (ROA) | -0.0063% | 6,460 |
| Pretax return on assets | -0.0553% | 6,487 |
| Return on Equity (ROE) | -0.0757% | 6,466 |
| Retained earnings to average equity (ytd only) | -0.0757% | 6,054 |
| Net charge-offs to loans | 0.2323% | 3,178 |
| Credit loss provision to net charge-offs | 439.1447% | 679 |
| Earnings coverage of net charge-offs (x) | 4.0296% | 3,192 |
| Efficiency ratio | 77.1270% | 2,574 |
| Assets per employee ($millions) | 8.2418% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 5,185 |
| Loan loss allowance to noncurrent loans | 94.3278% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 1.0614% | 4,258 |
| Noncurrent loans to loans | 1.3094% | 3,960 |
| Net loans and leases to total assets | 76.3026% | 931 |
| Net loans and leases to deposits | 84.6111% | 1,776 |
| Net loans and leases to core deposits | 101.7189% | 993 |
| Total domestic deposits to total assets | 90.1803% | 824 |
| Equity capital to assets | 7.3884% | 6,824 |
| Core capital (leverage) ratio | 7.3770% | 6,675 |
| Tier 1 risk-based capital ratio | 7.7810% | 7,052 |
| Total risk-based capital ratio | 10.8356% | 6,903 |
| Memoranda: | ||
| Average total assets | $347,390,330 | 1,886 |
| Average earning assets | $311,327,000 | 1,923 |
| Average equity | $29,054,330 | 2,320 |
| Average total loans | $261,738,670 | 1,595 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7566% | 6,332 |
| Cost of funding earning assets | 0.5835% | 5,262 |
| Net interest margin | 3.1731% | 5,835 |
| Noninterest income to average assets | 0.1720% | 6,346 |
| Noninterest expense to average assets | 2.4672% | 5,260 |
| Loan and lease loss provision to assets | 1.1680% | 334 |
| Net operating income to assets | -0.3609% | 6,742 |
| Return on assets (ROA) | -0.3625% | 6,784 |
| Pretax return on assets | -0.6533% | 6,887 |
| Return on Equity (ROE) | -4.0460% | 6,814 |
| Retained earnings to average equity (ytd only) | -4.0460% | 6,500 |
| Net charge-offs to loans | 0.2102% | 2,867 |
| Credit loss provision to net charge-offs | 749.2063% | 476 |
| Earnings coverage of net charge-offs (x) | 3.3175% | 2,882 |
| Efficiency ratio | 82.6700% | 1,849 |
| Assets per employee ($millions) | 7.9646% | 490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4427% | 4,407 |
| Loan loss allowance to noncurrent loans | 85.3787% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 1.3594% | 3,846 |
| Noncurrent loans to loans | 1.6897% | 3,576 |
| Net loans and leases to total assets | 74.5195% | 986 |
| Net loans and leases to deposits | 83.7508% | 1,695 |
| Net loans and leases to core deposits | 102.7918% | 824 |
| Total domestic deposits to total assets | 88.9777% | 1,703 |
| Equity capital to assets | 8.8223% | 5,728 |
| Core capital (leverage) ratio | 9.0214% | 4,810 |
| Tier 1 risk-based capital ratio | 9.8647% | 6,906 |
| Total risk-based capital ratio | 11.7730% | 6,720 |
| Memoranda: | ||
| Average total assets | $323,283,500 | 2,009 |
| Average earning assets | $286,533,000 | 2,084 |
| Average equity | $28,967,000 | 2,324 |
| Average total loans | $239,792,500 | 1,718 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0238% | 6,412 |
| Cost of funding earning assets | 0.8203% | 4,705 |
| Net interest margin | 3.2035% | 6,085 |
| Noninterest income to average assets | 0.3585% | 4,948 |
| Noninterest expense to average assets | 2.3849% | 5,809 |
| Loan and lease loss provision to assets | 0.5983% | 1,726 |
| Net operating income to assets | 0.1301% | 5,789 |
| Return on assets (ROA) | 0.1353% | 5,906 |
| Pretax return on assets | 0.1982% | 5,794 |
| Return on Equity (ROE) | 1.4863% | 5,842 |
| Retained earnings to average equity (ytd only) | 1.4863% | 5,149 |
| Net charge-offs to loans | 0.4557% | 3,159 |
| Credit loss provision to net charge-offs | 189.1566% | 1,354 |
| Earnings coverage of net charge-offs (x) | 2.4940% | 3,967 |
| Efficiency ratio | 75.1451% | 3,042 |
| Assets per employee ($millions) | 7.4423% | 591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 5,491 |
| Loan loss allowance to noncurrent loans | 66.6829% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 1.4837% | 3,727 |
| Noncurrent loans to loans | 1.7685% | 3,510 |
| Net loans and leases to total assets | 71.8510% | 1,670 |
| Net loans and leases to deposits | 80.2015% | 2,487 |
| Net loans and leases to core deposits | 95.6923% | 1,528 |
| Total domestic deposits to total assets | 89.5881% | 1,211 |
| Equity capital to assets | 9.1010% | 5,407 |
| Core capital (leverage) ratio | 9.0079% | 4,772 |
| Tier 1 risk-based capital ratio | 10.4864% | 6,689 |
| Total risk-based capital ratio | 12.2012% | 6,457 |
| Memoranda: | ||
| Average total assets | $314,898,400 | 2,041 |
| Average earning assets | $276,731,400 | 2,122 |
| Average equity | $28,661,600 | 2,292 |
| Average total loans | $218,559,400 | 1,883 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0297% | 6,544 |
| Cost of funding earning assets | 0.8679% | 4,651 |
| Net interest margin | 3.1617% | 6,256 |
| Noninterest income to average assets | 0.3852% | 4,771 |
| Noninterest expense to average assets | 2.3433% | 5,925 |
| Loan and lease loss provision to assets | 0.9459% | 934 |
| Net operating income to assets | -0.0580% | 6,232 |
| Return on assets (ROA) | -0.0531% | 6,322 |
| Pretax return on assets | -0.1088% | 6,343 |
| Return on Equity (ROE) | -0.5838% | 6,329 |
| Retained earnings to average equity (ytd only) | -0.5838% | 6,085 |
| Net charge-offs to loans | 0.5426% | 2,611 |
| Credit loss provision to net charge-offs | 254.2857% | 1,123 |
| Earnings coverage of net charge-offs (x) | 2.2297% | 4,015 |
| Efficiency ratio | 73.8577% | 3,208 |
| Assets per employee ($millions) | 7.2037% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3918% | 4,596 |
| Loan loss allowance to noncurrent loans | 101.8101% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 1.1413% | 4,505 |
| Noncurrent loans to loans | 1.3671% | 4,250 |
| Net loans and leases to total assets | 68.5452% | 2,367 |
| Net loans and leases to deposits | 78.4846% | 2,891 |
| Net loans and leases to core deposits | 93.3818% | 1,842 |
| Total domestic deposits to total assets | 87.3359% | 2,452 |
| Equity capital to assets | 8.6525% | 6,140 |
| Core capital (leverage) ratio | 8.8587% | 5,168 |
| Tier 1 risk-based capital ratio | 10.0191% | 6,948 |
| Total risk-based capital ratio | 12.5559% | 6,349 |
| Memoranda: | ||
| Average total assets | $313,618,250 | 2,053 |
| Average earning assets | $276,508,750 | 2,130 |
| Average equity | $28,545,750 | 2,300 |
| Average total loans | $215,029,000 | 1,929 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0485% | 6,578 |
| Cost of funding earning assets | 0.9013% | 4,657 |
| Net interest margin | 3.1472% | 6,290 |
| Noninterest income to average assets | 0.2665% | 5,747 |
| Noninterest expense to average assets | 2.4511% | 5,705 |
| Loan and lease loss provision to assets | 0.8333% | 1,091 |
| Net operating income to assets | -0.1306% | 6,388 |
| Return on assets (ROA) | -0.1235% | 6,427 |
| Pretax return on assets | -0.2197% | 6,471 |
| Return on Equity (ROE) | -1.3332% | 6,446 |
| Retained earnings to average equity (ytd only) | -1.3332% | 6,123 |
| Net charge-offs to loans | 0.1353% | 4,392 |
| Credit loss provision to net charge-offs | 902.8169% | 354 |
| Earnings coverage of net charge-offs (x) | 6.5282% | 2,382 |
| Efficiency ratio | 80.2682% | 2,349 |
| Assets per employee ($millions) | 7.3386% | 619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 4,857 |
| Loan loss allowance to noncurrent loans | 115.4973% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.9722% | 4,924 |
| Noncurrent loans to loans | 1.1645% | 4,708 |
| Net loans and leases to total assets | 69.6407% | 2,292 |
| Net loans and leases to deposits | 78.2133% | 3,089 |
| Net loans and leases to core deposits | 92.9217% | 2,028 |
| Total domestic deposits to total assets | 89.0395% | 1,510 |
| Equity capital to assets | 9.0407% | 5,516 |
| Core capital (leverage) ratio | 9.1899% | 4,427 |
| Tier 1 risk-based capital ratio | 10.3788% | 6,835 |
| Total risk-based capital ratio | 12.9375% | 6,024 |
| Memoranda: | ||
| Average total assets | $307,700,670 | 2,097 |
| Average earning assets | $272,499,000 | 2,157 |
| Average equity | $28,503,670 | 2,281 |
| Average total loans | $209,923,670 | 1,998 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0245% | 6,645 |
| Cost of funding earning assets | 0.9351% | 4,687 |
| Net interest margin | 3.0894% | 6,374 |
| Noninterest income to average assets | 0.2173% | 6,174 |
| Noninterest expense to average assets | 2.2675% | 6,263 |
| Loan and lease loss provision to assets | 1.2720% | 546 |
| Net operating income to assets | -0.3397% | 6,695 |
| Return on assets (ROA) | -0.3397% | 6,704 |
| Pretax return on assets | -0.5596% | 6,787 |
| Return on Equity (ROE) | -3.6222% | 6,716 |
| Retained earnings to average equity (ytd only) | -3.6222% | 6,375 |
| Net charge-offs to loans | 0.2496% | 3,086 |
| Credit loss provision to net charge-offs | 760.6299% | 496 |
| Earnings coverage of net charge-offs (x) | 4.2598% | 2,530 |
| Efficiency ratio | 76.0937% | 3,152 |
| Assets per employee ($millions) | 7.7722% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3474% | 4,912 |
| Loan loss allowance to noncurrent loans | 123.9650% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.9296% | 5,036 |
| Noncurrent loans to loans | 1.0869% | 4,880 |
| Net loans and leases to total assets | 63.4717% | 3,549 |
| Net loans and leases to deposits | 71.1746% | 4,171 |
| Net loans and leases to core deposits | 84.6508% | 3,076 |
| Total domestic deposits to total assets | 89.1775% | 1,657 |
| Equity capital to assets | 9.1219% | 5,003 |
| Core capital (leverage) ratio | 9.2733% | 4,164 |
| Tier 1 risk-based capital ratio | 11.6222% | 6,006 |
| Total risk-based capital ratio | 14.3734% | 4,710 |
| Memoranda: | ||
| Average total assets | $303,770,500 | 2,133 |
| Average earning assets | $271,636,500 | 2,191 |
| Average equity | $28,491,000 | 2,271 |
| Average total loans | $203,508,000 | 2,070 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5158% | 6,354 |
| Cost of funding earning assets | 1.2792% | 4,023 |
| Net interest margin | 3.2366% | 6,172 |
| Noninterest income to average assets | 0.1357% | 6,714 |
| Noninterest expense to average assets | 2.2129% | 6,583 |
| Loan and lease loss provision to assets | 0.4000% | 3,715 |
| Net operating income to assets | 0.2605% | 5,074 |
| Return on assets (ROA) | 0.3037% | 5,096 |
| Pretax return on assets | 0.4662% | 4,741 |
| Return on Equity (ROE) | 3.4351% | 4,779 |
| Retained earnings to average equity (ytd only) | 3.4351% | 3,462 |
| Net charge-offs to loans | 0.4825% | 3,692 |
| Credit loss provision to net charge-offs | 116.2722% | 3,700 |
| Earnings coverage of net charge-offs (x) | 2.3245% | 3,982 |
| Efficiency ratio | 73.4542% | 3,496 |
| Assets per employee ($millions) | 7.0632% | 725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8966% | 6,735 |
| Loan loss allowance to noncurrent loans | 261.0408% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.4810% | 6,071 |
| Noncurrent loans to loans | 0.3435% | 6,372 |
| Net loans and leases to total assets | 69.1512% | 2,730 |
| Net loans and leases to deposits | 78.1845% | 3,484 |
| Net loans and leases to core deposits | 97.2730% | 1,867 |
| Total domestic deposits to total assets | 88.4461% | 1,982 |
| Equity capital to assets | 9.6486% | 4,215 |
| Core capital (leverage) ratio | 9.4409% | 3,783 |
| Tier 1 risk-based capital ratio | 11.5602% | 5,856 |
| Total risk-based capital ratio | 13.9337% | 4,851 |
| Memoranda: | ||
| Average total assets | $294,719,800 | 2,183 |
| Average earning assets | $261,970,200 | 2,236 |
| Average equity | $26,054,400 | 2,452 |
| Average total loans | $210,156,800 | 2,073 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5817% | 6,384 |
| Cost of funding earning assets | 1.3400% | 3,974 |
| Net interest margin | 3.2417% | 6,201 |
| Noninterest income to average assets | 0.1246% | 6,929 |
| Noninterest expense to average assets | 2.2344% | 6,514 |
| Loan and lease loss provision to assets | 0.4627% | 3,161 |
| Net operating income to assets | 0.2015% | 5,508 |
| Return on assets (ROA) | 0.2601% | 5,471 |
| Pretax return on assets | 0.3960% | 5,231 |
| Return on Equity (ROE) | 3.0116% | 5,216 |
| Retained earnings to average equity (ytd only) | 3.0116% | 4,328 |
| Net charge-offs to loans | 0.5771% | 3,015 |
| Credit loss provision to net charge-offs | 111.8291% | 3,783 |
| Earnings coverage of net charge-offs (x) | 1.8609% | 4,310 |
| Efficiency ratio | 74.3741% | 3,249 |
| Assets per employee ($millions) | 7.4014% | 648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8130% | 6,978 |
| Loan loss allowance to noncurrent loans | 193.6491% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.5866% | 5,973 |
| Noncurrent loans to loans | 0.4198% | 6,360 |
| Net loans and leases to total assets | 72.3306% | 2,184 |
| Net loans and leases to deposits | 81.5823% | 3,176 |
| Net loans and leases to core deposits | 100.0597% | 1,844 |
| Total domestic deposits to total assets | 88.6597% | 1,589 |
| Equity capital to assets | 9.3529% | 5,047 |
| Core capital (leverage) ratio | 9.3993% | 4,056 |
| Tier 1 risk-based capital ratio | 10.7715% | 6,570 |
| Total risk-based capital ratio | 12.9896% | 5,667 |
| Memoranda: | ||
| Average total assets | $294,236,500 | 2,223 |
| Average earning assets | $261,379,000 | 2,280 |
| Average equity | $25,412,250 | 2,550 |
| Average total loans | $210,947,250 | 2,089 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6790% | 6,216 |
| Cost of funding earning assets | 1.3872% | 3,956 |
| Net interest margin | 3.2918% | 6,041 |
| Noninterest income to average assets | 0.1243% | 6,975 |
| Noninterest expense to average assets | 2.2180% | 6,605 |
| Loan and lease loss provision to assets | 0.4334% | 3,147 |
| Net operating income to assets | 0.2583% | 5,342 |
| Return on assets (ROA) | 0.2583% | 5,481 |
| Pretax return on assets | 0.3922% | 5,254 |
| Return on Equity (ROE) | 3.0791% | 5,179 |
| Retained earnings to average equity (ytd only) | 3.0791% | 4,144 |
| Net charge-offs to loans | 0.6940% | 2,480 |
| Credit loss provision to net charge-offs | 87.6389% | 4,493 |
| Earnings coverage of net charge-offs (x) | 1.6694% | 4,256 |
| Efficiency ratio | 72.8729% | 3,685 |
| Assets per employee ($millions) | 7.1466% | 721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7823% | 7,071 |
| Loan loss allowance to noncurrent loans | 210.2362% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.8027% | 5,508 |
| Noncurrent loans to loans | 0.3721% | 6,495 |
| Net loans and leases to total assets | 69.3408% | 3,052 |
| Net loans and leases to deposits | 77.9684% | 3,970 |
| Net loans and leases to core deposits | 92.8147% | 2,870 |
| Total domestic deposits to total assets | 88.9346% | 1,477 |
| Equity capital to assets | 9.2959% | 5,012 |
| Core capital (leverage) ratio | 9.5226% | 3,787 |
| Tier 1 risk-based capital ratio | 11.0605% | 6,173 |
| Total risk-based capital ratio | 12.9506% | 5,545 |
| Memoranda: | ||
| Average total assets | $291,162,670 | 2,259 |
| Average earning assets | $258,220,000 | 2,325 |
| Average equity | $24,422,330 | 2,650 |
| Average total loans | $207,499,000 | 2,149 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8125% | 5,850 |
| Cost of funding earning assets | 1.4855% | 3,648 |
| Net interest margin | 3.3269% | 5,876 |
| Noninterest income to average assets | 0.1227% | 7,072 |
| Noninterest expense to average assets | 1.9088% | 7,319 |
| Loan and lease loss provision to assets | 0.6312% | 2,011 |
| Net operating income to assets | 0.3459% | 5,099 |
| Return on assets (ROA) | 0.3459% | 5,222 |
| Pretax return on assets | 0.5334% | 4,843 |
| Return on Equity (ROE) | 4.3625% | 4,730 |
| Retained earnings to average equity (ytd only) | 4.3625% | 3,535 |
| Net charge-offs to loans | 1.0246% | 1,608 |
| Credit loss provision to net charge-offs | 85.6075% | 3,758 |
| Earnings coverage of net charge-offs (x) | 1.5794% | 3,778 |
| Efficiency ratio | 62.1076% | 5,813 |
| Assets per employee ($millions) | 6.9990% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7877% | 7,155 |
| Loan loss allowance to noncurrent loans | 86.7742% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 1.0298% | 5,093 |
| Noncurrent loans to loans | 0.9078% | 5,497 |
| Net loans and leases to total assets | 72.6094% | 2,299 |
| Net loans and leases to deposits | 81.0615% | 3,451 |
| Net loans and leases to core deposits | 96.5934% | 2,512 |
| Total domestic deposits to total assets | 89.5732% | 1,191 |
| Equity capital to assets | 9.6256% | 4,339 |
| Core capital (leverage) ratio | 9.2781% | 4,091 |
| Tier 1 risk-based capital ratio | 10.9997% | 6,154 |
| Total risk-based capital ratio | 11.6643% | 6,705 |
| Memoranda: | ||
| Average total assets | $290,238,000 | 2,310 |
| Average earning assets | $257,413,500 | 2,376 |
| Average equity | $23,014,500 | 2,818 |
| Average total loans | $208,859,000 | 2,188 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9324% | 6,630 |
| Cost of funding earning assets | 2.2012% | 2,029 |
| Net interest margin | 2.7313% | 7,168 |
| Noninterest income to average assets | 0.1608% | 6,919 |
| Noninterest expense to average assets | 2.2338% | 6,905 |
| Loan and lease loss provision to assets | 0.4678% | 4,023 |
| Net operating income to assets | -0.0708% | 5,627 |
| Return on assets (ROA) | -0.0708% | 5,646 |
| Pretax return on assets | -0.1361% | 5,629 |
| Return on Equity (ROE) | -1.0108% | 5,693 |
| Retained earnings to average equity (ytd only) | -1.0108% | 5,260 |
| Net charge-offs to loans | 0.4451% | 4,014 |
| Credit loss provision to net charge-offs | 148.6518% | 3,131 |
| Earnings coverage of net charge-offs (x) | 1.0539% | 5,060 |
| Efficiency ratio | 87.0722% | 1,983 |
| Assets per employee ($millions) | 7.5129% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7941% | 7,145 |
| Loan loss allowance to noncurrent loans | 91.4008% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.9557% | 5,195 |
| Noncurrent loans to loans | 0.8688% | 5,559 |
| Net loans and leases to total assets | 70.2581% | 3,197 |
| Net loans and leases to deposits | 77.3103% | 4,502 |
| Net loans and leases to core deposits | 103.1698% | 3,667 |
| Total domestic deposits to total assets | 90.8780% | 580 |
| Equity capital to assets | 6.3494% | 7,602 |
| Core capital (leverage) ratio | 6.3822% | 7,531 |
| Tier 1 risk-based capital ratio | 7.5947% | 7,691 |
| Total risk-based capital ratio | 10.7387% | 7,209 |
| Memoranda: | ||
| Average total assets | $271,066,600 | 2,412 |
| Average earning assets | $238,644,800 | 2,512 |
| Average equity | $18,994,200 | 3,345 |
| Average total loans | $191,628,000 | 2,385 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0438% | 6,467 |
| Cost of funding earning assets | 2.3559% | 1,782 |
| Net interest margin | 2.6879% | 7,231 |
| Noninterest income to average assets | 0.1694% | 6,996 |
| Noninterest expense to average assets | 2.1827% | 7,021 |
| Loan and lease loss provision to assets | 0.5713% | 3,098 |
| Net operating income to assets | -0.1259% | 5,934 |
| Return on assets (ROA) | -0.1259% | 5,962 |
| Pretax return on assets | -0.2270% | 6,015 |
| Return on Equity (ROE) | -1.7498% | 6,058 |
| Retained earnings to average equity (ytd only) | -1.7498% | 5,669 |
| Net charge-offs to loans | 0.5181% | 3,143 |
| Credit loss provision to net charge-offs | 156.0773% | 3,054 |
| Earnings coverage of net charge-offs (x) | 0.9406% | 5,117 |
| Efficiency ratio | 86.3745% | 2,021 |
| Assets per employee ($millions) | 7.5859% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8758% | 6,861 |
| Loan loss allowance to noncurrent loans | 64.1603% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 0.9099% | 5,256 |
| Noncurrent loans to loans | 1.3650% | 4,645 |
| Net loans and leases to total assets | 62.7020% | 5,118 |
| Net loans and leases to deposits | 68.5798% | 6,077 |
| Net loans and leases to core deposits | 99.5875% | 4,420 |
| Total domestic deposits to total assets | 91.4292% | 275 |
| Equity capital to assets | 6.2682% | 7,812 |
| Core capital (leverage) ratio | 6.3587% | 7,718 |
| Tier 1 risk-based capital ratio | 8.0508% | 7,785 |
| Total risk-based capital ratio | 11.3095% | 6,869 |
| Memoranda: | ||
| Average total assets | $263,704,500 | 2,494 |
| Average earning assets | $231,302,250 | 2,604 |
| Average equity | $18,972,500 | 3,375 |
| Average total loans | $186,328,500 | 2,468 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8678% | 7,099 |
| Cost of funding earning assets | 2.5055% | 1,594 |
| Net interest margin | 2.3624% | 7,615 |
| Noninterest income to average assets | 0.0990% | 7,487 |
| Noninterest expense to average assets | 2.4355% | 6,353 |
| Loan and lease loss provision to assets | 0.3370% | 3,921 |
| Net operating income to assets | -0.3689% | 6,412 |
| Return on assets (ROA) | -0.3689% | 6,422 |
| Pretax return on assets | -0.6173% | 6,543 |
| Return on Equity (ROE) | -4.8743% | 6,589 |
| Retained earnings to average equity (ytd only) | -4.8743% | 6,279 |
| Net charge-offs to loans | 0.3589% | 3,385 |
| Credit loss provision to net charge-offs | 127.4924% | 3,650 |
| Earnings coverage of net charge-offs (x) | -1.0604% | 6,244 |
| Efficiency ratio | 113.0048% | 778 |
| Assets per employee ($millions) | 7.4751% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6550% | 7,535 |
| Loan loss allowance to noncurrent loans | 50.8563% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 0.9456% | 5,090 |
| Noncurrent loans to loans | 1.2879% | 4,624 |
| Net loans and leases to total assets | 72.9391% | 2,964 |
| Net loans and leases to deposits | 79.9239% | 4,559 |
| Net loans and leases to core deposits | 113.8054% | 2,931 |
| Total domestic deposits to total assets | 91.2608% | 388 |
| Equity capital to assets | 6.5731% | 7,798 |
| Core capital (leverage) ratio | 7.1950% | 7,366 |
| Tier 1 risk-based capital ratio | 7.4795% | 7,965 |
| Total risk-based capital ratio | 10.1204% | 7,798 |
| Memoranda: | ||
| Average total assets | $250,460,330 | 2,629 |
| Average earning assets | $218,003,000 | 2,765 |
| Average equity | $18,956,670 | 3,399 |
| Average total loans | $184,457,330 | 2,517 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9859% | 6,963 |
| Cost of funding earning assets | 2.7498% | 1,112 |
| Net interest margin | 2.2361% | 7,766 |
| Noninterest income to average assets | 0.0805% | 7,652 |
| Noninterest expense to average assets | 2.5507% | 5,647 |
| Loan and lease loss provision to assets | 0.2944% | 3,593 |
| Net operating income to assets | -0.5067% | 6,884 |
| Return on assets (ROA) | -0.5067% | 6,933 |
| Pretax return on assets | -0.8422% | 7,059 |
| Return on Equity (ROE) | -6.1991% | 7,080 |
| Retained earnings to average equity (ytd only) | -6.1991% | 6,710 |
| Net charge-offs to loans | 0.1601% | 3,683 |
| Credit loss provision to net charge-offs | 249.2754% | 1,892 |
| Earnings coverage of net charge-offs (x) | -4.6377% | 5,562 |
| Efficiency ratio | 127.3504% | 533 |
| Assets per employee ($millions) | 6.4895% | 964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7700% | 7,249 |
| Loan loss allowance to noncurrent loans | 51.6492% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 1.1111% | 4,465 |
| Noncurrent loans to loans | 1.4908% | 4,055 |
| Net loans and leases to total assets | 73.9614% | 2,769 |
| Net loans and leases to deposits | 82.1564% | 4,257 |
| Net loans and leases to core deposits | 112.5211% | 3,164 |
| Total domestic deposits to total assets | 90.0251% | 791 |
| Equity capital to assets | 7.8784% | 6,975 |
| Core capital (leverage) ratio | 8.1044% | 6,283 |
| Tier 1 risk-based capital ratio | 8.4901% | 7,946 |
| Total risk-based capital ratio | 11.0223% | 7,080 |
| Memoranda: | ||
| Average total assets | $233,664,500 | 2,835 |
| Average earning assets | $200,888,000 | 3,009 |
| Average equity | $19,099,500 | 3,404 |
| Average total loans | $172,410,500 | 2,681 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3933% | 7,467 |
| Cost of funding earning assets | 3.4572% | 587 |
| Net interest margin | 1.9361% | 8,100 |
| Noninterest income to average assets | 0.1230% | 7,504 |
| Noninterest expense to average assets | 2.8250% | 4,714 |
| Loan and lease loss provision to assets | 0.4256% | 3,152 |
| Net operating income to assets | -0.9059% | 7,190 |
| Return on assets (ROA) | -0.9059% | 7,109 |
| Pretax return on assets | -1.4950% | 7,249 |
| Return on Equity (ROE) | -9.6721% | 7,256 |
| Retained earnings to average equity (ytd only) | -9.6721% | 7,045 |
| Net charge-offs to loans | 0.1419% | 4,797 |
| Credit loss provision to net charge-offs | 413.2653% | 1,055 |
| Earnings coverage of net charge-offs (x) | -10.3827% | 6,898 |
| Efficiency ratio | 160.9099% | 311 |
| Assets per employee ($millions) | 6.4919% | 891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7688% | 7,207 |
| Loan loss allowance to noncurrent loans | 62.5000% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 0.8978% | 4,600 |
| Noncurrent loans to loans | 1.2300% | 4,052 |
| Net loans and leases to total assets | 72.4320% | 3,497 |
| Net loans and leases to deposits | 80.1002% | 5,032 |
| Net loans and leases to core deposits | 110.0092% | 3,781 |
| Total domestic deposits to total assets | 90.4267% | 517 |
| Equity capital to assets | 8.4862% | 6,108 |
| Core capital (leverage) ratio | 9.1342% | 4,547 |
| Tier 1 risk-based capital ratio | 9.4248% | 7,388 |
| Total risk-based capital ratio | 10.9177% | 7,017 |
| Memoranda: | ||
| Average total assets | $190,299,600 | 3,268 |
| Average earning assets | $160,478,000 | 3,462 |
| Average equity | $17,824,400 | 3,583 |
| Average total loans | $138,115,600 | 3,128 |