Home > Planters First Bank > Performance and Condition Ratios
Planters First Bank, Performance and Condition Ratios
| 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 | 5.8540% | 1,505 |
| Cost of funding earning assets | 1.3999% | 3,523 |
| Net interest margin | 4.4541% | 685 |
| Noninterest income to average assets | 1.0700% | 551 |
| Noninterest expense to average assets | 3.3001% | 764 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 1.7406% | 616 |
| Return on assets (ROA) | 1.7206% | 624 |
| Pretax return on assets | 1.7704% | 871 |
| Return on Equity (ROE) | 21.7000% | 303 |
| Retained earnings to average equity (ytd only) | 8.2435% | 1,038 |
| Net charge-offs to loans | -0.0083% | 3,993 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 63.9274% | 2,727 |
| Assets per employee ($millions) | 5.4433% | 3,335 |
| Cash dividends to net income (ytd only)* | 62.0176% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5886% | 822 |
| Loan loss allowance to noncurrent loans | 1,252.9745% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 3,094 |
| Noncurrent loans to loans | 0.1268% | 3,016 |
| Net loans and leases to total assets | 64.5300% | 2,521 |
| Net loans and leases to deposits | 70.8854% | 2,883 |
| Net loans and leases to core deposits | 76.9071% | 2,979 |
| Total domestic deposits to total assets | 91.0400% | 505 |
| Equity capital to assets | 8.1513% | 3,415 |
| Core capital (leverage) ratio | 10.1994% | 2,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3805% | 1,420 |
| Memoranda: | ||
| Average total assets | $421,712,600 | 1,985 |
| Average earning assets | $387,241,600 | 1,991 |
| Average equity | $33,432,400 | 2,239 |
| Average total loans | $276,068,400 | 1,948 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8119% | 1,538 |
| Cost of funding earning assets | 1.3776% | 3,551 |
| Net interest margin | 4.4343% | 684 |
| Noninterest income to average assets | 1.0100% | 583 |
| Noninterest expense to average assets | 3.2715% | 757 |
| Loan and lease loss provision to assets | 0.0700% | 1,666 |
| Net operating income to assets | 1.6894% | 705 |
| Return on assets (ROA) | 1.6624% | 741 |
| Pretax return on assets | 1.7105% | 996 |
| Return on Equity (ROE) | 21.1200% | 357 |
| Retained earnings to average equity (ytd only) | 7.5399% | 1,550 |
| Net charge-offs to loans | -0.0024% | 3,731 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 64.3854% | 2,670 |
| Assets per employee ($millions) | 5.3580% | 3,395 |
| Cash dividends to net income (ytd only)* | 64.2980% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5588% | 922 |
| Loan loss allowance to noncurrent loans | 1,142.4802% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 3,095 |
| Noncurrent loans to loans | 0.1364% | 2,993 |
| Net loans and leases to total assets | 64.6000% | 2,464 |
| Net loans and leases to deposits | 71.1963% | 2,885 |
| Net loans and leases to core deposits | 77.2991% | 3,000 |
| Total domestic deposits to total assets | 90.7400% | 420 |
| Equity capital to assets | 8.5312% | 3,378 |
| Core capital (leverage) ratio | 10.0846% | 2,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8878% | 1,565 |
| Memoranda: | ||
| Average total assets | $420,995,750 | 1,980 |
| Average earning assets | $386,855,000 | 1,991 |
| Average equity | $33,138,250 | 2,249 |
| Average total loans | $275,480,500 | 1,944 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7827% | 1,482 |
| Cost of funding earning assets | 1.3299% | 3,579 |
| Net interest margin | 4.4528% | 664 |
| Noninterest income to average assets | 1.0000% | 590 |
| Noninterest expense to average assets | 3.2477% | 766 |
| Loan and lease loss provision to assets | 0.0700% | 1,571 |
| Net operating income to assets | 1.7163% | 664 |
| Return on assets (ROA) | 1.6748% | 710 |
| Pretax return on assets | 1.7243% | 942 |
| Return on Equity (ROE) | 21.8900% | 338 |
| Retained earnings to average equity (ytd only) | 7.8949% | 1,399 |
| Net charge-offs to loans | -0.0349% | 4,263 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 63.8533% | 2,796 |
| Assets per employee ($millions) | 5.3753% | 3,326 |
| Cash dividends to net income (ytd only)* | 63.9386% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6062% | 841 |
| Loan loss allowance to noncurrent loans | 1,470.7237% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 3,180 |
| Noncurrent loans to loans | 0.1092% | 3,107 |
| Net loans and leases to total assets | 64.5000% | 2,506 |
| Net loans and leases to deposits | 70.3945% | 2,960 |
| Net loans and leases to core deposits | 76.0353% | 3,036 |
| Total domestic deposits to total assets | 91.6200% | 336 |
| Equity capital to assets | 7.7274% | 3,608 |
| Core capital (leverage) ratio | 9.8775% | 2,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0190% | 1,517 |
| Memoranda: | ||
| Average total assets | $420,234,333 | 1,981 |
| Average earning assets | $386,046,667 | 1,992 |
| Average equity | $32,147,333 | 2,262 |
| Average total loans | $274,715,000 | 1,943 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7015% | 1,473 |
| Cost of funding earning assets | 1.2905% | 3,573 |
| Net interest margin | 4.4109% | 658 |
| Noninterest income to average assets | 0.9700% | 584 |
| Noninterest expense to average assets | 3.1443% | 903 |
| Loan and lease loss provision to assets | 0.0700% | 1,402 |
| Net operating income to assets | 1.7523% | 614 |
| Return on assets (ROA) | 1.6678% | 709 |
| Pretax return on assets | 1.7166% | 934 |
| Return on Equity (ROE) | 21.9100% | 343 |
| Retained earnings to average equity (ytd only) | 7.7702% | 1,614 |
| Net charge-offs to loans | -0.0264% | 4,182 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 62.6382% | 2,957 |
| Assets per employee ($millions) | 5.4198% | 3,328 |
| Cash dividends to net income (ytd only)* | 64.5439% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6269% | 805 |
| Loan loss allowance to noncurrent loans | 748.8136% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.1400% | 2,699 |
| Noncurrent loans to loans | 0.2173% | 2,551 |
| Net loans and leases to total assets | 63.1900% | 2,548 |
| Net loans and leases to deposits | 68.6751% | 2,994 |
| Net loans and leases to core deposits | 73.6387% | 3,128 |
| Total domestic deposits to total assets | 92.0200% | 328 |
| Equity capital to assets | 7.5211% | 3,664 |
| Core capital (leverage) ratio | 9.7877% | 2,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0674% | 1,521 |
| Memoranda: | ||
| Average total assets | $418,029,000 | 1,993 |
| Average earning assets | $383,411,000 | 2,009 |
| Average equity | $31,814,000 | 2,280 |
| Average total loans | $272,895,500 | 1,946 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3627% | 1,371 |
| Cost of funding earning assets | 0.9767% | 3,358 |
| Net interest margin | 4.3860% | 715 |
| Noninterest income to average assets | 1.0700% | 571 |
| Noninterest expense to average assets | 3.2322% | 798 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.6968% | 738 |
| Return on assets (ROA) | 1.7092% | 689 |
| Pretax return on assets | 1.7489% | 965 |
| Return on Equity (ROE) | 24.5200% | 327 |
| Retained earnings to average equity (ytd only) | 12.2893% | 606 |
| Net charge-offs to loans | -0.0033% | 3,753 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.8797% | 2,623 |
| Assets per employee ($millions) | 5.5108% | 3,244 |
| Cash dividends to net income (ytd only)* | 49.8718% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5771% | 877 |
| Loan loss allowance to noncurrent loans | 1,117.5711% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.0936% | 2,897 |
| Noncurrent loans to loans | 0.1411% | 2,805 |
| Net loans and leases to total assets | 65.3000% | 2,333 |
| Net loans and leases to deposits | 71.2356% | 2,804 |
| Net loans and leases to core deposits | 75.9506% | 2,981 |
| Total domestic deposits to total assets | 91.6700% | 363 |
| Equity capital to assets | 7.7019% | 3,601 |
| Core capital (leverage) ratio | 9.8917% | 2,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6573% | 1,639 |
| Memoranda: | ||
| Average total assets | $410,592,800 | 1,981 |
| Average earning assets | $373,392,200 | 2,000 |
| Average equity | $28,626,600 | 2,338 |
| Average total loans | $273,179,000 | 1,904 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2674% | 1,327 |
| Cost of funding earning assets | 0.8664% | 3,354 |
| Net interest margin | 4.4010% | 701 |
| Noninterest income to average assets | 1.0700% | 575 |
| Noninterest expense to average assets | 3.3349% | 691 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.6080% | 934 |
| Return on assets (ROA) | 1.6201% | 895 |
| Pretax return on assets | 1.6484% | 1,263 |
| Return on Equity (ROE) | 23.8700% | 445 |
| Retained earnings to average equity (ytd only) | 11.8883% | 993 |
| Net charge-offs to loans | -0.0435% | 4,332 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.7961% | 2,302 |
| Assets per employee ($millions) | 5.2196% | 3,417 |
| Cash dividends to net income (ytd only)* | 50.1907% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5689% | 947 |
| Loan loss allowance to noncurrent loans | 1,041.7840% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.1033% | 2,884 |
| Noncurrent loans to loans | 0.1506% | 2,800 |
| Net loans and leases to total assets | 67.5300% | 2,106 |
| Net loans and leases to deposits | 72.6914% | 2,668 |
| Net loans and leases to core deposits | 76.3676% | 2,841 |
| Total domestic deposits to total assets | 92.8900% | 314 |
| Equity capital to assets | 6.5532% | 3,813 |
| Core capital (leverage) ratio | 9.6534% | 3,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7504% | 1,987 |
| Memoranda: | ||
| Average total assets | $409,912,750 | 1,984 |
| Average earning assets | $372,421,500 | 1,997 |
| Average equity | $27,825,000 | 2,359 |
| Average total loans | $272,915,500 | 1,905 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1927% | 1,221 |
| Cost of funding earning assets | 0.7340% | 3,395 |
| Net interest margin | 4.4587% | 644 |
| Noninterest income to average assets | 1.1100% | 486 |
| Noninterest expense to average assets | 3.3840% | 616 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.6452% | 883 |
| Return on assets (ROA) | 1.6568% | 858 |
| Pretax return on assets | 1.6817% | 1,253 |
| Return on Equity (ROE) | 24.1300% | 419 |
| Retained earnings to average equity (ytd only) | 13.4483% | 750 |
| Net charge-offs to loans | -0.0260% | 4,197 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.6861% | 2,281 |
| Assets per employee ($millions) | 5.2108% | 3,405 |
| Cash dividends to net income (ytd only)* | 44.2608% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5372% | 1,073 |
| Loan loss allowance to noncurrent loans | 1,680.0000% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 3,136 |
| Noncurrent loans to loans | 0.0915% | 3,047 |
| Net loans and leases to total assets | 67.5100% | 2,007 |
| Net loans and leases to deposits | 73.0099% | 2,580 |
| Net loans and leases to core deposits | 77.5454% | 2,653 |
| Total domestic deposits to total assets | 92.4700% | 328 |
| Equity capital to assets | 6.9955% | 3,804 |
| Core capital (leverage) ratio | 9.5285% | 3,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6879% | 2,027 |
| Memoranda: | ||
| Average total assets | $409,101,667 | 1,984 |
| Average earning assets | $370,827,667 | 2,010 |
| Average equity | $28,092,667 | 2,351 |
| Average total loans | $269,593,667 | 1,910 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0055% | 1,219 |
| Cost of funding earning assets | 0.5601% | 3,501 |
| Net interest margin | 4.4453% | 630 |
| Noninterest income to average assets | 1.1100% | 490 |
| Noninterest expense to average assets | 3.3526% | 650 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.6929% | 834 |
| Return on assets (ROA) | 1.7055% | 808 |
| Pretax return on assets | 1.7055% | 1,262 |
| Return on Equity (ROE) | 25.0700% | 401 |
| Retained earnings to average equity (ytd only) | 17.9067% | 519 |
| Net charge-offs to loans | -0.0513% | 4,367 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.4989% | 2,270 |
| Assets per employee ($millions) | 5.1690% | 3,521 |
| Cash dividends to net income (ytd only)* | 28.5714% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5698% | 1,073 |
| Loan loss allowance to noncurrent loans | 896.1207% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.1892% | 2,198 |
| Noncurrent loans to loans | 0.1752% | 2,602 |
| Net loans and leases to total assets | 64.6700% | 2,183 |
| Net loans and leases to deposits | 70.0369% | 2,607 |
| Net loans and leases to core deposits | 73.3348% | 2,731 |
| Total domestic deposits to total assets | 92.3300% | 436 |
| Equity capital to assets | 7.3129% | 3,666 |
| Core capital (leverage) ratio | 9.3702% | 3,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8597% | 2,027 |
| Memoranda: | ||
| Average total assets | $410,430,000 | 2,003 |
| Average earning assets | $369,915,000 | 2,036 |
| Average equity | $27,922,500 | 2,393 |
| Average total loans | $265,043,500 | 1,949 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4218% | 839 |
| Cost of funding earning assets | 0.1466% | 4,142 |
| Net interest margin | 4.2752% | 452 |
| Noninterest income to average assets | 0.9500% | 711 |
| Noninterest expense to average assets | 3.4433% | 518 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.2387% | 1,630 |
| Return on assets (ROA) | 1.2379% | 1,588 |
| Pretax return on assets | 1.2379% | 2,312 |
| Return on Equity (ROE) | 16.9000% | 877 |
| Retained earnings to average equity (ytd only) | 8.8203% | 1,535 |
| Net charge-offs to loans | 0.0424% | 1,270 |
| Credit loss provision to net charge-offs | 192.6606% | 1,150 |
| Earnings coverage of net charge-offs (x) | 46.0917% | 1,412 |
| Efficiency ratio | 72.7046% | 1,364 |
| Assets per employee ($millions) | 5.2210% | 3,497 |
| Cash dividends to net income (ytd only)* | 47.8071% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5267% | 1,127 |
| Loan loss allowance to noncurrent loans | 1,057.1802% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 2,249 |
| Noncurrent loans to loans | 0.1444% | 2,790 |
| Net loans and leases to total assets | 62.5300% | 2,379 |
| Net loans and leases to deposits | 67.0962% | 2,805 |
| Net loans and leases to core deposits | 68.6292% | 2,969 |
| Total domestic deposits to total assets | 93.1900% | 365 |
| Equity capital to assets | 6.3113% | 3,974 |
| Core capital (leverage) ratio | 9.1531% | 3,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2719% | 2,250 |
| Memoranda: | ||
| Average total assets | $388,635,200 | 2,068 |
| Average earning assets | $344,455,600 | 2,133 |
| Average equity | $28,468,400 | 2,406 |
| Average total loans | $256,945,200 | 1,902 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2233% | 851 |
| Cost of funding earning assets | 0.0530% | 4,566 |
| Net interest margin | 4.1703% | 448 |
| Noninterest income to average assets | 0.9800% | 698 |
| Noninterest expense to average assets | 3.4170% | 517 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.1953% | 1,708 |
| Return on assets (ROA) | 1.1929% | 1,700 |
| Pretax return on assets | 1.1929% | 2,396 |
| Return on Equity (ROE) | 15.6900% | 1,041 |
| Retained earnings to average equity (ytd only) | 5.1134% | 3,058 |
| Net charge-offs to loans | 0.0429% | 1,060 |
| Credit loss provision to net charge-offs | 182.9268% | 1,027 |
| Earnings coverage of net charge-offs (x) | 43.5244% | 1,346 |
| Efficiency ratio | 73.2519% | 1,355 |
| Assets per employee ($millions) | 4.9211% | 3,745 |
| Cash dividends to net income (ytd only)* | 67.4091% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5410% | 1,184 |
| Loan loss allowance to noncurrent loans | 516.8597% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.3495% | 1,551 |
| Noncurrent loans to loans | 0.2982% | 2,172 |
| Net loans and leases to total assets | 65.1700% | 1,968 |
| Net loans and leases to deposits | 69.7637% | 2,385 |
| Net loans and leases to core deposits | 70.6061% | 2,593 |
| Total domestic deposits to total assets | 93.4200% | 465 |
| Equity capital to assets | 6.1508% | 3,902 |
| Core capital (leverage) ratio | 9.3694% | 3,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8897% | 2,520 |
| Memoranda: | ||
| Average total assets | $381,373,750 | 2,115 |
| Average earning assets | $337,010,750 | 2,177 |
| Average equity | $28,995,250 | 2,410 |
| Average total loans | $254,879,250 | 1,917 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0420% | 870 |
| Cost of funding earning assets | 0.0447% | 4,624 |
| Net interest margin | 3.9973% | 500 |
| Noninterest income to average assets | 0.9383% | 773 |
| Noninterest expense to average assets | 3.3451% | 513 |
| Loan and lease loss provision to assets | 0.0318% | 2,017 |
| Net operating income to assets | 1.0687% | 1,902 |
| Return on assets (ROA) | 1.0624% | 1,900 |
| Pretax return on assets | 1.0624% | 2,536 |
| Return on Equity (ROE) | 13.1029% | 1,356 |
| Retained earnings to average equity (ytd only) | -1.9354% | 4,379 |
| Net charge-offs to loans | 0.0071% | 1,737 |
| Credit loss provision to net charge-offs | 666.6667% | 529 |
| Earnings coverage of net charge-offs (x) | 230.6667% | 494 |
| Efficiency ratio | 75.2445% | 1,362 |
| Assets per employee ($millions) | 4.4722% | 4,091 |
| Cash dividends to net income (ytd only)* | 114.7705% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5939% | 1,166 |
| Loan loss allowance to noncurrent loans | 464.8837% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.3884% | 1,451 |
| Noncurrent loans to loans | 0.3429% | 2,118 |
| Net loans and leases to total assets | 65.7067% | 1,734 |
| Net loans and leases to deposits | 70.9481% | 2,118 |
| Net loans and leases to core deposits | 71.8566% | 2,353 |
| Total domestic deposits to total assets | 92.6124% | 616 |
| Equity capital to assets | 6.9633% | 3,791 |
| Core capital (leverage) ratio | 9.1165% | 3,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7934% | 2,571 |
| Memoranda: | ||
| Average total assets | $377,268,000 | 2,130 |
| Average earning assets | $331,021,333 | 2,223 |
| Average equity | $30,588,667 | 2,388 |
| Average total loans | $252,971,667 | 1,932 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8246% | 1,046 |
| Cost of funding earning assets | 0.0468% | 4,622 |
| Net interest margin | 3.7778% | 656 |
| Noninterest income to average assets | 0.9691% | 726 |
| Noninterest expense to average assets | 3.1381% | 660 |
| Loan and lease loss provision to assets | 0.0317% | 1,793 |
| Net operating income to assets | 1.1289% | 1,441 |
| Return on assets (ROA) | 1.1268% | 1,445 |
| Pretax return on assets | 1.1268% | 2,059 |
| Return on Equity (ROE) | 12.9864% | 1,038 |
| Retained earnings to average equity (ytd only) | 6.8895% | 1,930 |
| Net charge-offs to loans | -0.0220% | 3,966 |
| Credit loss provision to net charge-offs | -214.2857% | 2,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0002% | 1,857 |
| Assets per employee ($millions) | 4.6966% | 4,002 |
| Cash dividends to net income (ytd only)* | 46.9484% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5885% | 1,306 |
| Loan loss allowance to noncurrent loans | 456.1143% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.3988% | 1,507 |
| Noncurrent loans to loans | 0.3483% | 2,240 |
| Net loans and leases to total assets | 64.9957% | 1,504 |
| Net loans and leases to deposits | 71.0670% | 1,862 |
| Net loans and leases to core deposits | 71.9867% | 2,114 |
| Total domestic deposits to total assets | 91.4569% | 825 |
| Equity capital to assets | 8.0731% | 3,512 |
| Core capital (leverage) ratio | 9.3801% | 2,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7981% | 2,306 |
| Memoranda: | ||
| Average total assets | $378,068,000 | 2,142 |
| Average earning assets | $333,207,000 | 2,218 |
| Average equity | $32,803,500 | 2,340 |
| Average total loans | $254,039,000 | 1,916 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1008% | 1,158 |
| Cost of funding earning assets | 0.0940% | 4,427 |
| Net interest margin | 4.0067% | 702 |
| Noninterest income to average assets | 1.0988% | 858 |
| Noninterest expense to average assets | 3.8696% | 328 |
| Loan and lease loss provision to assets | 0.0467% | 2,123 |
| Net operating income to assets | 0.7719% | 3,414 |
| Return on assets (ROA) | 0.8242% | 3,331 |
| Pretax return on assets | 0.8242% | 3,676 |
| Return on Equity (ROE) | 8.8763% | 2,964 |
| Retained earnings to average equity (ytd only) | 3.1882% | 3,555 |
| Net charge-offs to loans | -0.1266% | 4,632 |
| Credit loss provision to net charge-offs | -54.2945% | 3,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5391% | 644 |
| Assets per employee ($millions) | 4.3185% | 4,260 |
| Cash dividends to net income (ytd only)* | 64.0820% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5372% | 1,436 |
| Loan loss allowance to noncurrent loans | 387.4387% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.4421% | 1,491 |
| Noncurrent loans to loans | 0.3968% | 2,168 |
| Net loans and leases to total assets | 67.3068% | 1,332 |
| Net loans and leases to deposits | 74.8943% | 1,651 |
| Net loans and leases to core deposits | 76.1060% | 1,913 |
| Total domestic deposits to total assets | 89.8691% | 1,018 |
| Equity capital to assets | 9.2877% | 3,329 |
| Core capital (leverage) ratio | 9.5244% | 2,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0835% | 2,210 |
| Memoranda: | ||
| Average total assets | $378,692,200 | 2,066 |
| Average earning assets | $339,254,600 | 2,131 |
| Average equity | $35,161,000 | 2,283 |
| Average total loans | $257,569,400 | 1,890 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0405% | 1,447 |
| Cost of funding earning assets | 0.1079% | 4,438 |
| Net interest margin | 3.9326% | 885 |
| Noninterest income to average assets | 1.1399% | 877 |
| Noninterest expense to average assets | 3.5575% | 425 |
| Loan and lease loss provision to assets | 0.0548% | 1,888 |
| Net operating income to assets | 1.0615% | 2,682 |
| Return on assets (ROA) | 1.0689% | 2,721 |
| Pretax return on assets | 1.0689% | 3,274 |
| Return on Equity (ROE) | 11.5134% | 2,208 |
| Retained earnings to average equity (ytd only) | 5.8362% | 2,900 |
| Net charge-offs to loans | -0.1179% | 4,668 |
| Credit loss provision to net charge-offs | -68.4211% | 3,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1146% | 1,030 |
| Assets per employee ($millions) | 4.1116% | 4,382 |
| Cash dividends to net income (ytd only)* | 49.3097% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5113% | 1,593 |
| Loan loss allowance to noncurrent loans | 366.6667% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.4607% | 1,653 |
| Noncurrent loans to loans | 0.4122% | 2,322 |
| Net loans and leases to total assets | 68.1721% | 1,301 |
| Net loans and leases to deposits | 76.0506% | 1,665 |
| Net loans and leases to core deposits | 77.1747% | 1,948 |
| Total domestic deposits to total assets | 89.6405% | 943 |
| Equity capital to assets | 9.8329% | 3,077 |
| Core capital (leverage) ratio | 9.7294% | 2,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4998% | 2,166 |
| Memoranda: | ||
| Average total assets | $379,437,500 | 2,085 |
| Average earning assets | $340,969,750 | 2,144 |
| Average equity | $35,227,500 | 2,307 |
| Average total loans | $257,755,000 | 1,922 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8938% | 1,833 |
| Cost of funding earning assets | 0.1293% | 4,358 |
| Net interest margin | 3.7645% | 1,197 |
| Noninterest income to average assets | 1.1476% | 862 |
| Noninterest expense to average assets | 3.3927% | 538 |
| Loan and lease loss provision to assets | 0.0484% | 2,057 |
| Net operating income to assets | 1.1028% | 2,536 |
| Return on assets (ROA) | 1.1148% | 2,553 |
| Pretax return on assets | 1.1148% | 3,162 |
| Return on Equity (ROE) | 12.2370% | 1,961 |
| Retained earnings to average equity (ytd only) | 6.5188% | 2,618 |
| Net charge-offs to loans | -0.1929% | 4,791 |
| Credit loss provision to net charge-offs | -37.2000% | 2,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6647% | 1,189 |
| Assets per employee ($millions) | 4.2888% | 4,264 |
| Cash dividends to net income (ytd only)* | 46.7290% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3827% | 2,050 |
| Loan loss allowance to noncurrent loans | 319.3086% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.4956% | 1,683 |
| Noncurrent loans to loans | 0.4330% | 2,378 |
| Net loans and leases to total assets | 73.2310% | 835 |
| Net loans and leases to deposits | 81.4585% | 1,281 |
| Net loans and leases to core deposits | 82.6487% | 1,666 |
| Total domestic deposits to total assets | 89.8998% | 827 |
| Equity capital to assets | 9.6149% | 3,237 |
| Core capital (leverage) ratio | 9.3987% | 3,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9733% | 2,376 |
| Memoranda: | ||
| Average total assets | $383,938,667 | 2,064 |
| Average earning assets | $346,395,000 | 2,108 |
| Average equity | $34,976,000 | 2,312 |
| Average total loans | $259,242,333 | 1,916 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6434% | 2,513 |
| Cost of funding earning assets | 0.1594% | 4,239 |
| Net interest margin | 3.4839% | 1,867 |
| Noninterest income to average assets | 1.3313% | 735 |
| Noninterest expense to average assets | 3.4596% | 496 |
| Loan and lease loss provision to assets | 0.0307% | 2,376 |
| Net operating income to assets | 0.9666% | 2,912 |
| Return on assets (ROA) | 0.9880% | 2,940 |
| Pretax return on assets | 0.9880% | 3,407 |
| Return on Equity (ROE) | 11.1365% | 2,321 |
| Retained earnings to average equity (ytd only) | 5.3782% | 3,099 |
| Net charge-offs to loans | -0.3541% | 4,868 |
| Credit loss provision to net charge-offs | -13.4529% | 2,697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6249% | 983 |
| Assets per employee ($millions) | 4.4696% | 4,131 |
| Cash dividends to net income (ytd only)* | 51.7063% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4301% | 1,841 |
| Loan loss allowance to noncurrent loans | 301.0586% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.4991% | 1,893 |
| Noncurrent loans to loans | 0.4750% | 2,426 |
| Net loans and leases to total assets | 67.0725% | 1,651 |
| Net loans and leases to deposits | 74.1075% | 2,108 |
| Net loans and leases to core deposits | 75.8191% | 2,371 |
| Total domestic deposits to total assets | 90.5071% | 582 |
| Equity capital to assets | 9.0668% | 3,620 |
| Core capital (leverage) ratio | 8.9780% | 3,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7816% | 2,385 |
| Memoranda: | ||
| Average total assets | $391,491,500 | 2,025 |
| Average earning assets | $351,211,500 | 2,074 |
| Average equity | $34,732,500 | 2,317 |
| Average total loans | $251,920,000 | 1,953 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6140% | 1,076 |
| Cost of funding earning assets | 0.3706% | 3,763 |
| Net interest margin | 4.2434% | 571 |
| Noninterest income to average assets | 0.8766% | 1,326 |
| Noninterest expense to average assets | 3.7544% | 487 |
| Loan and lease loss provision to assets | 0.1673% | 2,290 |
| Net operating income to assets | 0.7477% | 3,268 |
| Return on assets (ROA) | 0.8599% | 3,002 |
| Pretax return on assets | 0.8599% | 3,480 |
| Return on Equity (ROE) | 9.1539% | 2,335 |
| Retained earnings to average equity (ytd only) | 5.9430% | 1,820 |
| Net charge-offs to loans | 0.0909% | 1,546 |
| Credit loss provision to net charge-offs | 264.0693% | 1,873 |
| Earnings coverage of net charge-offs (x) | 14.4459% | 2,214 |
| Efficiency ratio | 80.4040% | 858 |
| Assets per employee ($millions) | 4.6330% | 3,779 |
| Cash dividends to net income (ytd only)* | 35.0765% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4039% | 1,959 |
| Loan loss allowance to noncurrent loans | 301.3123% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.4587% | 2,194 |
| Noncurrent loans to loans | 0.4659% | 2,569 |
| Net loans and leases to total assets | 60.0098% | 2,861 |
| Net loans and leases to deposits | 66.1662% | 3,254 |
| Net loans and leases to core deposits | 68.0983% | 3,409 |
| Total domestic deposits to total assets | 90.6956% | 304 |
| Equity capital to assets | 8.6881% | 4,301 |
| Core capital (leverage) ratio | 8.9511% | 3,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8282% | 1,911 |
| Memoranda: | ||
| Average total assets | $364,695,800 | 1,984 |
| Average earning assets | $325,964,600 | 2,048 |
| Average equity | $34,258,800 | 2,271 |
| Average total loans | $254,055,600 | 1,902 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6988% | 1,069 |
| Cost of funding earning assets | 0.4116% | 3,756 |
| Net interest margin | 4.2872% | 602 |
| Noninterest income to average assets | 0.8966% | 1,229 |
| Noninterest expense to average assets | 3.7258% | 508 |
| Loan and lease loss provision to assets | 0.1552% | 2,461 |
| Net operating income to assets | 0.8411% | 2,949 |
| Return on assets (ROA) | 0.9942% | 2,491 |
| Pretax return on assets | 0.9942% | 3,094 |
| Return on Equity (ROE) | 10.3631% | 1,883 |
| Retained earnings to average equity (ytd only) | 8.2106% | 1,234 |
| Net charge-offs to loans | 0.1384% | 1,052 |
| Credit loss provision to net charge-offs | 155.2632% | 2,298 |
| Earnings coverage of net charge-offs (x) | 9.9737% | 2,388 |
| Efficiency ratio | 78.9043% | 951 |
| Assets per employee ($millions) | 4.1321% | 4,212 |
| Cash dividends to net income (ytd only)* | 20.7704% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 2,811 |
| Loan loss allowance to noncurrent loans | 376.5533% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.6007% | 1,930 |
| Noncurrent loans to loans | 0.3120% | 3,166 |
| Net loans and leases to total assets | 72.6461% | 1,563 |
| Net loans and leases to deposits | 80.7666% | 2,231 |
| Net loans and leases to core deposits | 83.3779% | 2,539 |
| Total domestic deposits to total assets | 89.9456% | 444 |
| Equity capital to assets | 9.4426% | 3,727 |
| Core capital (leverage) ratio | 8.8398% | 3,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5788% | 2,381 |
| Memoranda: | ||
| Average total assets | $355,102,500 | 2,009 |
| Average earning assets | $316,839,250 | 2,069 |
| Average equity | $34,068,750 | 2,272 |
| Average total loans | $256,238,250 | 1,884 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4682% | 2,009 |
| Cost of funding earning assets | 0.4426% | 3,829 |
| Net interest margin | 4.0256% | 1,263 |
| Noninterest income to average assets | 0.9013% | 1,167 |
| Noninterest expense to average assets | 3.5421% | 710 |
| Loan and lease loss provision to assets | 0.1236% | 2,794 |
| Net operating income to assets | 0.8269% | 2,949 |
| Return on assets (ROA) | 1.0609% | 2,232 |
| Pretax return on assets | 1.0609% | 2,829 |
| Return on Equity (ROE) | 10.9965% | 1,633 |
| Retained earnings to average equity (ytd only) | 9.9586% | 796 |
| Net charge-offs to loans | 0.2275% | 683 |
| Credit loss provision to net charge-offs | 75.7895% | 2,522 |
| Earnings coverage of net charge-offs (x) | 5.8281% | 2,484 |
| Efficiency ratio | 78.8435% | 975 |
| Assets per employee ($millions) | 4.5202% | 3,759 |
| Cash dividends to net income (ytd only)* | 9.4391% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0989% | 3,071 |
| Loan loss allowance to noncurrent loans | 124.5738% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.9051% | 1,353 |
| Noncurrent loans to loans | 0.8821% | 1,731 |
| Net loans and leases to total assets | 65.5517% | 2,693 |
| Net loans and leases to deposits | 76.8683% | 2,770 |
| Net loans and leases to core deposits | 79.7264% | 2,975 |
| Total domestic deposits to total assets | 85.2779% | 2,273 |
| Equity capital to assets | 8.4600% | 4,502 |
| Core capital (leverage) ratio | 9.3201% | 3,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $349,507,333 | 2,002 |
| Average earning assets | $311,803,000 | 2,063 |
| Average equity | $33,719,667 | 2,275 |
| Average total loans | $250,526,333 | 1,899 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8139% | 1,384 |
| Cost of funding earning assets | 0.4984% | 3,954 |
| Net interest margin | 4.3155% | 738 |
| Noninterest income to average assets | 1.0722% | 735 |
| Noninterest expense to average assets | 4.0603% | 477 |
| Loan and lease loss provision to assets | 0.1130% | 2,272 |
| Net operating income to assets | 0.7470% | 3,104 |
| Return on assets (ROA) | 1.2605% | 1,449 |
| Pretax return on assets | 1.2605% | 1,988 |
| Return on Equity (ROE) | 12.1037% | 1,073 |
| Retained earnings to average equity (ytd only) | 12.1037% | 414 |
| Net charge-offs to loans | 0.5128% | 281 |
| Credit loss provision to net charge-offs | 29.3160% | 2,158 |
| Earnings coverage of net charge-offs (x) | 2.2313% | 2,305 |
| Efficiency ratio | 82.5211% | 938 |
| Assets per employee ($millions) | 3.6292% | 4,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 2,764 |
| Loan loss allowance to noncurrent loans | 104.6674% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 1.2424% | 977 |
| Noncurrent loans to loans | 1.1297% | 1,469 |
| Net loans and leases to total assets | 72.8704% | 1,789 |
| Net loans and leases to deposits | 81.8272% | 2,474 |
| Net loans and leases to core deposits | 84.7661% | 2,778 |
| Total domestic deposits to total assets | 89.0540% | 639 |
| Equity capital to assets | 10.4139% | 3,398 |
| Core capital (leverage) ratio | 10.3947% | 3,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $318,593,500 | 2,101 |
| Average earning assets | $284,091,500 | 2,173 |
| Average equity | $33,180,000 | 2,293 |
| Average total loans | $239,473,000 | 1,929 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0684% | 1,295 |
| Cost of funding earning assets | 0.4714% | 4,200 |
| Net interest margin | 4.5970% | 577 |
| Noninterest income to average assets | 1.5573% | 381 |
| Noninterest expense to average assets | 4.4907% | 309 |
| Loan and lease loss provision to assets | 0.1203% | 1,765 |
| Net operating income to assets | 1.0388% | 2,701 |
| Return on assets (ROA) | 1.0360% | 2,801 |
| Pretax return on assets | 1.0360% | 3,375 |
| Return on Equity (ROE) | 10.3378% | 2,144 |
| Retained earnings to average equity (ytd only) | 3.8313% | 3,057 |
| Net charge-offs to loans | 0.0055% | 3,478 |
| Credit loss provision to net charge-offs | 2,923.0769% | 138 |
| Earnings coverage of net charge-offs (x) | 281.6923% | 295 |
| Efficiency ratio | 79.4846% | 984 |
| Assets per employee ($millions) | 3.2690% | 4,667 |
| Cash dividends to net income (ytd only)* | 62.9392% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2874% | 1,982 |
| Loan loss allowance to noncurrent loans | 119.9139% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 1.3170% | 829 |
| Noncurrent loans to loans | 1.0736% | 1,412 |
| Net loans and leases to total assets | 75.6758% | 1,470 |
| Net loans and leases to deposits | 87.3824% | 1,929 |
| Net loans and leases to core deposits | 90.0358% | 2,426 |
| Total domestic deposits to total assets | 86.6030% | 1,803 |
| Equity capital to assets | 10.4152% | 3,524 |
| Core capital (leverage) ratio | 10.4149% | 3,055 |
| Tier 1 risk-based capital ratio | 12.2722% | 4,203 |
| Total risk-based capital ratio | 13.4390% | 4,137 |
| Memoranda: | ||
| Average total assets | $315,939,000 | 2,063 |
| Average earning assets | $281,269,800 | 2,135 |
| Average equity | $31,660,400 | 2,317 |
| Average total loans | $235,320,000 | 1,921 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0261% | 1,473 |
| Cost of funding earning assets | 0.4668% | 4,277 |
| Net interest margin | 4.5593% | 673 |
| Noninterest income to average assets | 1.7817% | 313 |
| Noninterest expense to average assets | 4.3619% | 340 |
| Loan and lease loss provision to assets | 0.1009% | 1,904 |
| Net operating income to assets | 1.3905% | 1,502 |
| Return on assets (ROA) | 1.3909% | 1,567 |
| Pretax return on assets | 1.3909% | 2,343 |
| Return on Equity (ROE) | 14.0150% | 980 |
| Retained earnings to average equity (ytd only) | 7.6638% | 1,555 |
| Net charge-offs to loans | -0.0006% | 3,973 |
| Credit loss provision to net charge-offs | -24,000.0000% | 4,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5208% | 1,490 |
| Assets per employee ($millions) | 3.4140% | 4,587 |
| Cash dividends to net income (ytd only)* | 45.3173% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2531% | 2,218 |
| Loan loss allowance to noncurrent loans | 97.2535% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 1.5310% | 710 |
| Noncurrent loans to loans | 1.2885% | 1,202 |
| Net loans and leases to total assets | 76.2203% | 1,442 |
| Net loans and leases to deposits | 86.1425% | 2,174 |
| Net loans and leases to core deposits | 88.4021% | 2,693 |
| Total domestic deposits to total assets | 88.4817% | 835 |
| Equity capital to assets | 10.8801% | 3,220 |
| Core capital (leverage) ratio | 10.7989% | 2,837 |
| Tier 1 risk-based capital ratio | 12.7929% | 3,958 |
| Total risk-based capital ratio | 13.9379% | 3,905 |
| Memoranda: | ||
| Average total assets | $317,285,000 | 2,065 |
| Average earning assets | $283,339,750 | 2,144 |
| Average equity | $31,489,250 | 2,340 |
| Average total loans | $234,630,000 | 1,943 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0308% | 1,398 |
| Cost of funding earning assets | 0.4798% | 4,207 |
| Net interest margin | 4.5511% | 681 |
| Noninterest income to average assets | 1.9841% | 269 |
| Noninterest expense to average assets | 4.6376% | 271 |
| Loan and lease loss provision to assets | 0.0932% | 1,984 |
| Net operating income to assets | 1.3041% | 1,752 |
| Return on assets (ROA) | 1.3041% | 1,817 |
| Pretax return on assets | 1.3041% | 2,548 |
| Return on Equity (ROE) | 13.5503% | 1,088 |
| Retained earnings to average equity (ytd only) | 3.8623% | 3,315 |
| Net charge-offs to loans | -0.1875% | 5,125 |
| Credit loss provision to net charge-offs | -68.1818% | 3,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8462% | 1,291 |
| Assets per employee ($millions) | 3.5428% | 4,450 |
| Cash dividends to net income (ytd only)* | 71.4967% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3428% | 1,838 |
| Loan loss allowance to noncurrent loans | 97.9566% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 1.5419% | 715 |
| Noncurrent loans to loans | 1.3708% | 1,133 |
| Net loans and leases to total assets | 73.9817% | 1,895 |
| Net loans and leases to deposits | 83.1933% | 2,579 |
| Net loans and leases to core deposits | 85.4362% | 3,002 |
| Total domestic deposits to total assets | 88.9275% | 688 |
| Equity capital to assets | 10.4204% | 3,591 |
| Core capital (leverage) ratio | 10.1052% | 3,497 |
| Tier 1 risk-based capital ratio | 12.7494% | 3,977 |
| Total risk-based capital ratio | 13.9863% | 3,892 |
| Memoranda: | ||
| Average total assets | $321,764,000 | 2,038 |
| Average earning assets | $286,395,330 | 2,123 |
| Average equity | $30,966,000 | 2,357 |
| Average total loans | $234,662,330 | 1,944 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0053% | 1,329 |
| Cost of funding earning assets | 0.5381% | 3,878 |
| Net interest margin | 4.4672% | 787 |
| Noninterest income to average assets | 1.6518% | 323 |
| Noninterest expense to average assets | 4.6321% | 261 |
| Loan and lease loss provision to assets | 0.1090% | 1,632 |
| Net operating income to assets | 0.8719% | 3,342 |
| Return on assets (ROA) | 0.8719% | 3,390 |
| Pretax return on assets | 0.8719% | 3,852 |
| Return on Equity (ROE) | 9.4196% | 2,621 |
| Retained earnings to average equity (ytd only) | 9.4196% | 1,185 |
| Net charge-offs to loans | -0.0824% | 4,978 |
| Credit loss provision to net charge-offs | -183.6735% | 3,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5243% | 825 |
| Assets per employee ($millions) | 3.1442% | 4,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1891% | 2,641 |
| Loan loss allowance to noncurrent loans | 91.0170% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 1.4321% | 859 |
| Noncurrent loans to loans | 1.3064% | 1,256 |
| Net loans and leases to total assets | 72.0962% | 2,148 |
| Net loans and leases to deposits | 80.1987% | 2,819 |
| Net loans and leases to core deposits | 82.5735% | 3,143 |
| Total domestic deposits to total assets | 89.8969% | 490 |
| Equity capital to assets | 9.5560% | 4,203 |
| Core capital (leverage) ratio | 9.6845% | 3,934 |
| Tier 1 risk-based capital ratio | 12.3887% | 4,240 |
| Total risk-based capital ratio | 13.4959% | 4,193 |
| Memoranda: | ||
| Average total assets | $330,305,000 | 2,022 |
| Average earning assets | $292,889,500 | 2,092 |
| Average equity | $30,574,500 | 2,381 |
| Average total loans | $237,755,000 | 1,934 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8195% | 1,503 |
| Cost of funding earning assets | 0.4565% | 3,635 |
| Net interest margin | 4.3630% | 1,015 |
| Noninterest income to average assets | 2.2193% | 234 |
| Noninterest expense to average assets | 4.8707% | 222 |
| Loan and lease loss provision to assets | 0.1559% | 1,342 |
| Net operating income to assets | 1.0793% | 2,679 |
| Return on assets (ROA) | 1.0793% | 2,674 |
| Pretax return on assets | 1.0793% | 3,352 |
| Return on Equity (ROE) | 12.6343% | 1,493 |
| Retained earnings to average equity (ytd only) | 10.5043% | 522 |
| Net charge-offs to loans | 0.0887% | 1,891 |
| Credit loss provision to net charge-offs | 235.7798% | 1,255 |
| Earnings coverage of net charge-offs (x) | 18.6835% | 2,117 |
| Efficiency ratio | 79.7705% | 979 |
| Assets per employee ($millions) | 3.2390% | 4,792 |
| Cash dividends to net income (ytd only)* | 16.8587% | 3,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1388% | 2,882 |
| Loan loss allowance to noncurrent loans | 85.4338% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 1.4232% | 838 |
| Noncurrent loans to loans | 1.3329% | 1,176 |
| Net loans and leases to total assets | 70.2079% | 2,537 |
| Net loans and leases to deposits | 77.6153% | 3,212 |
| Net loans and leases to core deposits | 80.0597% | 3,427 |
| Total domestic deposits to total assets | 90.4563% | 336 |
| Equity capital to assets | 8.9628% | 4,610 |
| Core capital (leverage) ratio | 9.2057% | 4,452 |
| Tier 1 risk-based capital ratio | 12.2872% | 4,241 |
| Total risk-based capital ratio | 13.3557% | 4,249 |
| Memoranda: | ||
| Average total assets | $329,744,400 | 1,994 |
| Average earning assets | $293,741,800 | 2,055 |
| Average equity | $28,169,400 | 2,447 |
| Average total loans | $245,872,400 | 1,847 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7687% | 1,499 |
| Cost of funding earning assets | 0.4021% | 3,843 |
| Net interest margin | 4.3666% | 975 |
| Noninterest income to average assets | 2.2158% | 239 |
| Noninterest expense to average assets | 5.0083% | 203 |
| Loan and lease loss provision to assets | 0.1736% | 1,065 |
| Net operating income to assets | 0.9494% | 3,308 |
| Return on assets (ROA) | 0.9494% | 3,321 |
| Pretax return on assets | 0.9494% | 3,882 |
| Return on Equity (ROE) | 11.2533% | 2,070 |
| Retained earnings to average equity (ytd only) | 8.3690% | 1,485 |
| Net charge-offs to loans | 0.0441% | 2,217 |
| Credit loss provision to net charge-offs | 521.9512% | 671 |
| Earnings coverage of net charge-offs (x) | 33.7685% | 1,509 |
| Efficiency ratio | 81.6853% | 800 |
| Assets per employee ($millions) | 3.0234% | 5,021 |
| Cash dividends to net income (ytd only)* | 25.6300% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 3,377 |
| Loan loss allowance to noncurrent loans | 76.8456% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.5362% | 826 |
| Noncurrent loans to loans | 1.3875% | 1,198 |
| Net loans and leases to total assets | 75.2978% | 1,762 |
| Net loans and leases to deposits | 84.8457% | 2,497 |
| Net loans and leases to core deposits | 87.6435% | 2,864 |
| Total domestic deposits to total assets | 88.7467% | 934 |
| Equity capital to assets | 8.3169% | 5,027 |
| Core capital (leverage) ratio | 9.0105% | 4,692 |
| Tier 1 risk-based capital ratio | 11.0637% | 5,006 |
| Total risk-based capital ratio | 12.0837% | 5,017 |
| Memoranda: | ||
| Average total assets | $328,777,500 | 2,006 |
| Average earning assets | $294,803,000 | 2,060 |
| Average equity | $27,736,500 | 2,480 |
| Average total loans | $248,110,500 | 1,838 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7118% | 1,475 |
| Cost of funding earning assets | 0.3451% | 4,106 |
| Net interest margin | 4.3666% | 915 |
| Noninterest income to average assets | 2.3288% | 226 |
| Noninterest expense to average assets | 5.1171% | 202 |
| Loan and lease loss provision to assets | 0.1997% | 861 |
| Net operating income to assets | 0.9376% | 3,289 |
| Return on assets (ROA) | 0.9376% | 3,294 |
| Pretax return on assets | 0.9376% | 3,851 |
| Return on Equity (ROE) | 11.0602% | 2,087 |
| Retained earnings to average equity (ytd only) | 9.6107% | 1,035 |
| Net charge-offs to loans | 0.0645% | 1,701 |
| Credit loss provision to net charge-offs | 411.3924% | 802 |
| Earnings coverage of net charge-offs (x) | 23.4304% | 1,709 |
| Efficiency ratio | 81.8155% | 849 |
| Assets per employee ($millions) | 2.9359% | 5,141 |
| Cash dividends to net income (ytd only)* | 13.1062% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0372% | 3,611 |
| Loan loss allowance to noncurrent loans | 70.0159% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 1.6988% | 725 |
| Noncurrent loans to loans | 1.4814% | 1,135 |
| Net loans and leases to total assets | 76.8371% | 1,504 |
| Net loans and leases to deposits | 84.5064% | 2,478 |
| Net loans and leases to core deposits | 86.5857% | 2,864 |
| Total domestic deposits to total assets | 90.9246% | 265 |
| Equity capital to assets | 8.5183% | 4,929 |
| Core capital (leverage) ratio | 9.0018% | 4,687 |
| Tier 1 risk-based capital ratio | 10.9921% | 5,053 |
| Total risk-based capital ratio | 11.9824% | 5,076 |
| Memoranda: | ||
| Average total assets | $325,496,000 | 2,031 |
| Average earning assets | $292,628,670 | 2,083 |
| Average equity | $27,594,330 | 2,493 |
| Average total loans | $244,906,330 | 1,867 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6068% | 1,546 |
| Cost of funding earning assets | 0.3168% | 4,220 |
| Net interest margin | 4.2900% | 967 |
| Noninterest income to average assets | 2.1863% | 241 |
| Noninterest expense to average assets | 5.0446% | 215 |
| Loan and lease loss provision to assets | 0.2470% | 606 |
| Net operating income to assets | 0.7584% | 3,880 |
| Return on assets (ROA) | 0.7584% | 3,879 |
| Pretax return on assets | 0.7584% | 4,267 |
| Return on Equity (ROE) | 8.9679% | 2,919 |
| Retained earnings to average equity (ytd only) | 7.5073% | 2,041 |
| Net charge-offs to loans | -0.0200% | 4,561 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3810% | 838 |
| Assets per employee ($millions) | 2.8565% | 5,248 |
| Cash dividends to net income (ytd only)* | 16.2866% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0772% | 3,513 |
| Loan loss allowance to noncurrent loans | 63.5391% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 1.7206% | 734 |
| Noncurrent loans to loans | 1.6954% | 1,009 |
| Net loans and leases to total assets | 73.0743% | 2,014 |
| Net loans and leases to deposits | 80.1373% | 2,795 |
| Net loans and leases to core deposits | 81.4368% | 3,196 |
| Total domestic deposits to total assets | 91.1864% | 259 |
| Equity capital to assets | 8.3201% | 5,097 |
| Core capital (leverage) ratio | 8.8994% | 4,804 |
| Tier 1 risk-based capital ratio | 11.0642% | 5,104 |
| Total risk-based capital ratio | 12.0762% | 5,127 |
| Memoranda: | ||
| Average total assets | $323,832,500 | 2,057 |
| Average earning assets | $291,658,000 | 2,114 |
| Average equity | $27,386,500 | 2,531 |
| Average total loans | $239,706,500 | 1,901 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6644% | 1,275 |
| Cost of funding earning assets | 0.2777% | 4,341 |
| Net interest margin | 4.3868% | 792 |
| Noninterest income to average assets | 2.0156% | 296 |
| Noninterest expense to average assets | 4.8134% | 248 |
| Loan and lease loss provision to assets | 0.1581% | 1,422 |
| Net operating income to assets | 0.9620% | 2,396 |
| Return on assets (ROA) | 0.9933% | 2,311 |
| Pretax return on assets | 0.9933% | 3,600 |
| Return on Equity (ROE) | 11.2982% | 1,396 |
| Retained earnings to average equity (ytd only) | 8.5115% | 617 |
| Net charge-offs to loans | -0.0224% | 4,987 |
| Credit loss provision to net charge-offs | -1,010.6383% | 5,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1220% | 1,000 |
| Assets per employee ($millions) | 2.7998% | 5,323 |
| Cash dividends to net income (ytd only)* | 24.6649% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 3,850 |
| Loan loss allowance to noncurrent loans | 50.5897% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 1.7583% | 719 |
| Noncurrent loans to loans | 2.0054% | 762 |
| Net loans and leases to total assets | 73.4253% | 2,018 |
| Net loans and leases to deposits | 80.8415% | 2,833 |
| Net loans and leases to core deposits | 81.6712% | 3,272 |
| Total domestic deposits to total assets | 90.8263% | 287 |
| Equity capital to assets | 8.5979% | 5,043 |
| Core capital (leverage) ratio | 9.0760% | 4,552 |
| Tier 1 risk-based capital ratio | 11.3075% | 4,977 |
| Total risk-based capital ratio | 12.2753% | 5,015 |
| Memoranda: | ||
| Average total assets | $300,412,800 | 2,163 |
| Average earning assets | $268,307,000 | 2,221 |
| Average equity | $26,411,200 | 2,584 |
| Average total loans | $210,024,000 | 2,078 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5582% | 1,477 |
| Cost of funding earning assets | 0.2723% | 4,382 |
| Net interest margin | 4.2859% | 956 |
| Noninterest income to average assets | 1.9811% | 316 |
| Noninterest expense to average assets | 4.6894% | 273 |
| Loan and lease loss provision to assets | 0.1240% | 1,743 |
| Net operating income to assets | 0.9784% | 2,652 |
| Return on assets (ROA) | 1.0207% | 2,509 |
| Pretax return on assets | 1.0207% | 3,601 |
| Return on Equity (ROE) | 11.5418% | 1,476 |
| Retained earnings to average equity (ytd only) | 7.7897% | 1,306 |
| Net charge-offs to loans | -0.0256% | 4,934 |
| Credit loss provision to net charge-offs | -705.1282% | 4,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9668% | 1,001 |
| Assets per employee ($millions) | 2.6487% | 5,465 |
| Cash dividends to net income (ytd only)* | 32.5089% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9857% | 4,143 |
| Loan loss allowance to noncurrent loans | 44.6298% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 1.9561% | 676 |
| Noncurrent loans to loans | 2.2087% | 740 |
| Net loans and leases to total assets | 74.9562% | 1,770 |
| Net loans and leases to deposits | 83.0481% | 2,652 |
| Net loans and leases to core deposits | 83.9785% | 3,125 |
| Total domestic deposits to total assets | 90.2564% | 393 |
| Equity capital to assets | 9.1756% | 4,747 |
| Core capital (leverage) ratio | 9.2429% | 4,472 |
| Tier 1 risk-based capital ratio | 11.8388% | 4,741 |
| Total risk-based capital ratio | 12.7886% | 4,827 |
| Memoranda: | ||
| Average total assets | $295,723,000 | 2,204 |
| Average earning assets | $262,931,500 | 2,278 |
| Average equity | $26,153,500 | 2,622 |
| Average total loans | $203,341,250 | 2,141 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4469% | 1,676 |
| Cost of funding earning assets | 0.2712% | 4,367 |
| Net interest margin | 4.1758% | 1,133 |
| Noninterest income to average assets | 1.9447% | 326 |
| Noninterest expense to average assets | 4.6339% | 280 |
| Loan and lease loss provision to assets | 0.0506% | 2,976 |
| Net operating income to assets | 0.9707% | 2,565 |
| Return on assets (ROA) | 0.9666% | 2,632 |
| Pretax return on assets | 0.9666% | 3,698 |
| Return on Equity (ROE) | 11.0669% | 1,620 |
| Retained earnings to average equity (ytd only) | 9.1348% | 799 |
| Net charge-offs to loans | -0.0579% | 5,237 |
| Credit loss provision to net charge-offs | -131.5789% | 4,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9408% | 1,012 |
| Assets per employee ($millions) | 2.8275% | 5,403 |
| Cash dividends to net income (ytd only)* | 17.4581% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9612% | 4,360 |
| Loan loss allowance to noncurrent loans | 47.2633% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 1.7073% | 836 |
| Noncurrent loans to loans | 2.0337% | 823 |
| Net loans and leases to total assets | 69.1685% | 2,642 |
| Net loans and leases to deposits | 76.5009% | 3,287 |
| Net loans and leases to core deposits | 77.4038% | 3,643 |
| Total domestic deposits to total assets | 90.4153% | 387 |
| Equity capital to assets | 8.9742% | 4,927 |
| Core capital (leverage) ratio | 9.0957% | 4,619 |
| Tier 1 risk-based capital ratio | 12.3035% | 4,423 |
| Total risk-based capital ratio | 13.2203% | 4,538 |
| Memoranda: | ||
| Average total assets | $296,294,330 | 2,211 |
| Average earning assets | $263,281,670 | 2,279 |
| Average equity | $25,879,000 | 2,636 |
| Average total loans | $196,931,000 | 2,194 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3556% | 1,801 |
| Cost of funding earning assets | 0.2739% | 4,316 |
| Net interest margin | 4.0816% | 1,265 |
| Noninterest income to average assets | 1.7801% | 369 |
| Noninterest expense to average assets | 4.6262% | 298 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7753% | 3,337 |
| Return on assets (ROA) | 0.7753% | 3,394 |
| Pretax return on assets | 0.7753% | 4,203 |
| Return on Equity (ROE) | 9.0028% | 2,424 |
| Retained earnings to average equity (ytd only) | 9.0028% | 1,084 |
| Net charge-offs to loans | 0.0566% | 1,767 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 21.1481% | 1,459 |
| Efficiency ratio | 85.6461% | 829 |
| Assets per employee ($millions) | 2.8777% | 5,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9658% | 4,466 |
| Loan loss allowance to noncurrent loans | 38.3723% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 1.8650% | 744 |
| Noncurrent loans to loans | 2.5169% | 621 |
| Net loans and leases to total assets | 62.2910% | 3,493 |
| Net loans and leases to deposits | 68.4075% | 3,956 |
| Net loans and leases to core deposits | 69.4911% | 4,185 |
| Total domestic deposits to total assets | 91.0587% | 286 |
| Equity capital to assets | 8.4496% | 5,275 |
| Core capital (leverage) ratio | 8.9039% | 4,837 |
| Tier 1 risk-based capital ratio | 12.7748% | 4,212 |
| Total risk-based capital ratio | 13.6719% | 4,332 |
| Memoranda: | ||
| Average total assets | $294,583,500 | 2,239 |
| Average earning assets | $261,365,500 | 2,310 |
| Average equity | $25,370,000 | 2,687 |
| Average total loans | $190,736,000 | 2,269 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6470% | 1,173 |
| Cost of funding earning assets | 0.3118% | 3,931 |
| Net interest margin | 4.3352% | 877 |
| Noninterest income to average assets | 1.7124% | 414 |
| Noninterest expense to average assets | 4.2107% | 486 |
| Loan and lease loss provision to assets | 0.1161% | 2,134 |
| Net operating income to assets | 1.1052% | 1,879 |
| Return on assets (ROA) | 1.1141% | 1,934 |
| Pretax return on assets | 1.1141% | 3,048 |
| Return on Equity (ROE) | 11.9009% | 1,268 |
| Retained earnings to average equity (ytd only) | 2.3237% | 4,205 |
| Net charge-offs to loans | 0.6454% | 345 |
| Credit loss provision to net charge-offs | 25.8552% | 3,625 |
| Earnings coverage of net charge-offs (x) | 2.7200% | 3,780 |
| Efficiency ratio | 77.5169% | 1,770 |
| Assets per employee ($millions) | 2.7856% | 5,500 |
| Cash dividends to net income (ytd only)* | 80.4745% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9915% | 4,388 |
| Loan loss allowance to noncurrent loans | 36.4765% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 2.1307% | 627 |
| Noncurrent loans to loans | 2.7182% | 551 |
| Net loans and leases to total assets | 66.0713% | 3,064 |
| Net loans and leases to deposits | 73.0445% | 3,611 |
| Net loans and leases to core deposits | 74.2810% | 3,899 |
| Total domestic deposits to total assets | 90.4534% | 463 |
| Equity capital to assets | 8.7867% | 5,031 |
| Core capital (leverage) ratio | 9.0624% | 4,666 |
| Tier 1 risk-based capital ratio | 12.8780% | 4,149 |
| Total risk-based capital ratio | 13.8157% | 4,236 |
| Memoranda: | ||
| Average total assets | $279,951,600 | 2,285 |
| Average earning assets | $240,198,000 | 2,430 |
| Average equity | $26,208,000 | 2,619 |
| Average total loans | $194,769,200 | 2,160 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7046% | 1,052 |
| Cost of funding earning assets | 0.3172% | 3,903 |
| Net interest margin | 4.3874% | 793 |
| Noninterest income to average assets | 1.6430% | 453 |
| Noninterest expense to average assets | 4.1623% | 500 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2162% | 1,585 |
| Return on assets (ROA) | 1.2286% | 1,625 |
| Pretax return on assets | 1.2286% | 2,712 |
| Return on Equity (ROE) | 12.9215% | 1,081 |
| Retained earnings to average equity (ytd only) | 10.3573% | 506 |
| Net charge-offs to loans | 0.0218% | 3,249 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 79.4919% | 792 |
| Efficiency ratio | 77.3887% | 1,779 |
| Assets per employee ($millions) | 2.8045% | 5,547 |
| Cash dividends to net income (ytd only)* | 19.8443% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4316% | 2,059 |
| Loan loss allowance to noncurrent loans | 33.2695% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 3.3337% | 313 |
| Noncurrent loans to loans | 4.3031% | 236 |
| Net loans and leases to total assets | 68.9385% | 2,651 |
| Net loans and leases to deposits | 77.2750% | 3,265 |
| Net loans and leases to core deposits | 78.5504% | 3,607 |
| Total domestic deposits to total assets | 89.2119% | 793 |
| Equity capital to assets | 10.0026% | 4,122 |
| Core capital (leverage) ratio | 9.8964% | 3,700 |
| Tier 1 risk-based capital ratio | 13.4836% | 3,867 |
| Total risk-based capital ratio | 14.7351% | 3,779 |
| Memoranda: | ||
| Average total assets | $278,906,000 | 2,298 |
| Average earning assets | $237,462,250 | 2,460 |
| Average equity | $26,518,500 | 2,617 |
| Average total loans | $196,058,750 | 2,153 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7398% | 971 |
| Cost of funding earning assets | 0.3222% | 3,875 |
| Net interest margin | 4.4177% | 736 |
| Noninterest income to average assets | 1.2938% | 687 |
| Noninterest expense to average assets | 3.9345% | 650 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0805% | 2,038 |
| Return on assets (ROA) | 1.0991% | 2,085 |
| Pretax return on assets | 1.0991% | 3,200 |
| Return on Equity (ROE) | 11.7622% | 1,396 |
| Retained earnings to average equity (ytd only) | 11.7622% | 359 |
| Net charge-offs to loans | -0.0437% | 5,312 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4552% | 1,722 |
| Assets per employee ($millions) | 3.0212% | 5,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4077% | 2,256 |
| Loan loss allowance to noncurrent loans | 33.4937% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 3.4605% | 312 |
| Noncurrent loans to loans | 4.2030% | 265 |
| Net loans and leases to total assets | 71.1658% | 2,306 |
| Net loans and leases to deposits | 79.5092% | 2,999 |
| Net loans and leases to core deposits | 80.8809% | 3,376 |
| Total domestic deposits to total assets | 89.5063% | 680 |
| Equity capital to assets | 9.6235% | 4,644 |
| Core capital (leverage) ratio | 9.6567% | 3,991 |
| Tier 1 risk-based capital ratio | 12.5579% | 4,475 |
| Total risk-based capital ratio | 13.8093% | 4,387 |
| Memoranda: | ||
| Average total assets | $279,325,000 | 2,307 |
| Average earning assets | $235,282,670 | 2,493 |
| Average equity | $26,100,670 | 2,661 |
| Average total loans | $196,682,670 | 2,153 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7757% | 898 |
| Cost of funding earning assets | 0.3202% | 3,942 |
| Net interest margin | 4.4555% | 662 |
| Noninterest income to average assets | 1.1476% | 836 |
| Noninterest expense to average assets | 3.6797% | 918 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1849% | 1,607 |
| Return on assets (ROA) | 1.2064% | 1,636 |
| Pretax return on assets | 1.2064% | 2,675 |
| Return on Equity (ROE) | 13.1089% | 1,015 |
| Retained earnings to average equity (ytd only) | 13.1089% | 380 |
| Net charge-offs to loans | -0.0496% | 5,325 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6422% | 2,226 |
| Assets per employee ($millions) | 3.2229% | 5,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4692% | 2,118 |
| Loan loss allowance to noncurrent loans | 32.9576% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 3.4006% | 341 |
| Noncurrent loans to loans | 4.4578% | 246 |
| Net loans and leases to total assets | 67.8333% | 2,672 |
| Net loans and leases to deposits | 75.5182% | 3,275 |
| Net loans and leases to core deposits | 76.5954% | 3,625 |
| Total domestic deposits to total assets | 89.8238% | 666 |
| Equity capital to assets | 9.2949% | 4,891 |
| Core capital (leverage) ratio | 9.3513% | 4,426 |
| Tier 1 risk-based capital ratio | 12.6134% | 4,513 |
| Total risk-based capital ratio | 13.8651% | 4,422 |
| Memoranda: | ||
| Average total assets | $278,503,500 | 2,323 |
| Average earning assets | $232,342,500 | 2,526 |
| Average equity | $25,631,500 | 2,694 |
| Average total loans | $193,620,000 | 2,175 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0623% | 555 |
| Cost of funding earning assets | 0.3341% | 3,860 |
| Net interest margin | 4.7282% | 433 |
| Noninterest income to average assets | 0.9485% | 1,324 |
| Noninterest expense to average assets | 3.6663% | 1,024 |
| Loan and lease loss provision to assets | -0.4189% | 6,106 |
| Net operating income to assets | 1.6944% | 583 |
| Return on assets (ROA) | 1.6944% | 599 |
| Pretax return on assets | 1.6962% | 1,002 |
| Return on Equity (ROE) | 18.7420% | 330 |
| Retained earnings to average equity (ytd only) | 10.2017% | 441 |
| Net charge-offs to loans | -0.0302% | 5,405 |
| Credit loss provision to net charge-offs | 1,923.7288% | 180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1620% | 2,553 |
| Assets per employee ($millions) | 3.3734% | 5,035 |
| Cash dividends to net income (ytd only)* | 45.5674% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4479% | 2,215 |
| Loan loss allowance to noncurrent loans | 31.0650% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 3.6086% | 317 |
| Noncurrent loans to loans | 4.6610% | 222 |
| Net loans and leases to total assets | 69.1911% | 2,502 |
| Net loans and leases to deposits | 76.9279% | 3,166 |
| Net loans and leases to core deposits | 78.1485% | 3,534 |
| Total domestic deposits to total assets | 89.9428% | 652 |
| Equity capital to assets | 9.1104% | 5,008 |
| Core capital (leverage) ratio | 9.2243% | 4,578 |
| Tier 1 risk-based capital ratio | 12.4342% | 4,677 |
| Total risk-based capital ratio | 13.6859% | 4,569 |
| Memoranda: | ||
| Average total assets | $270,955,200 | 2,336 |
| Average earning assets | $228,945,400 | 2,517 |
| Average equity | $24,495,800 | 2,734 |
| Average total loans | $195,181,000 | 2,121 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1443% | 477 |
| Cost of funding earning assets | 0.3353% | 3,915 |
| Net interest margin | 4.8089% | 371 |
| Noninterest income to average assets | 1.0739% | 1,045 |
| Noninterest expense to average assets | 3.6209% | 1,080 |
| Loan and lease loss provision to assets | -0.0668% | 5,945 |
| Net operating income to assets | 1.6032% | 766 |
| Return on assets (ROA) | 1.6032% | 796 |
| Pretax return on assets | 1.6057% | 1,365 |
| Return on Equity (ROE) | 17.7686% | 419 |
| Retained earnings to average equity (ytd only) | 17.7686% | 91 |
| Net charge-offs to loans | -0.0655% | 5,639 |
| Credit loss provision to net charge-offs | 140.6250% | 1,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1754% | 3,178 |
| Assets per employee ($millions) | 3.3833% | 5,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9110% | 1,048 |
| Loan loss allowance to noncurrent loans | 44.9597% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 3.7964% | 319 |
| Noncurrent loans to loans | 4.2505% | 280 |
| Net loans and leases to total assets | 73.9148% | 1,748 |
| Net loans and leases to deposits | 82.7065% | 2,560 |
| Net loans and leases to core deposits | 83.9835% | 3,041 |
| Total domestic deposits to total assets | 89.3700% | 828 |
| Equity capital to assets | 9.7324% | 4,475 |
| Core capital (leverage) ratio | 9.6712% | 4,075 |
| Tier 1 risk-based capital ratio | 12.4671% | 4,783 |
| Total risk-based capital ratio | 13.7245% | 4,673 |
| Memoranda: | ||
| Average total assets | $269,539,500 | 2,362 |
| Average earning assets | $229,013,500 | 2,538 |
| Average equity | $24,319,500 | 2,772 |
| Average total loans | $195,424,500 | 2,129 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1926% | 431 |
| Cost of funding earning assets | 0.3374% | 3,953 |
| Net interest margin | 4.8551% | 327 |
| Noninterest income to average assets | 1.0226% | 1,137 |
| Noninterest expense to average assets | 3.5939% | 1,138 |
| Loan and lease loss provision to assets | -0.0999% | 6,085 |
| Net operating income to assets | 1.6345% | 703 |
| Return on assets (ROA) | 1.6345% | 731 |
| Pretax return on assets | 1.6382% | 1,227 |
| Return on Equity (ROE) | 18.5982% | 366 |
| Retained earnings to average equity (ytd only) | 18.5982% | 93 |
| Net charge-offs to loans | -0.1013% | 5,796 |
| Credit loss provision to net charge-offs | 137.7551% | 1,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0260% | 3,324 |
| Assets per employee ($millions) | 3.3027% | 5,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9476% | 1,075 |
| Loan loss allowance to noncurrent loans | 41.1168% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 3.9406% | 339 |
| Noncurrent loans to loans | 4.7367% | 267 |
| Net loans and leases to total assets | 71.5890% | 2,057 |
| Net loans and leases to deposits | 79.6098% | 2,842 |
| Net loans and leases to core deposits | 81.2431% | 3,258 |
| Total domestic deposits to total assets | 89.9249% | 691 |
| Equity capital to assets | 9.2277% | 4,985 |
| Core capital (leverage) ratio | 9.2074% | 4,680 |
| Tier 1 risk-based capital ratio | 12.0864% | 5,084 |
| Total risk-based capital ratio | 13.3443% | 4,976 |
| Memoranda: | ||
| Average total assets | $270,292,000 | 2,366 |
| Average earning assets | $228,789,000 | 2,551 |
| Average equity | $23,755,000 | 2,836 |
| Average total loans | $193,429,330 | 2,146 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7957% | 869 |
| Cost of funding earning assets | 0.3363% | 4,020 |
| Net interest margin | 4.4594% | 655 |
| Noninterest income to average assets | 0.6844% | 2,233 |
| Noninterest expense to average assets | 3.4915% | 1,329 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9569% | 2,466 |
| Return on assets (ROA) | 0.9569% | 2,601 |
| Pretax return on assets | 0.9644% | 3,629 |
| Return on Equity (ROE) | 11.1683% | 1,590 |
| Retained earnings to average equity (ytd only) | 11.1683% | 694 |
| Net charge-offs to loans | -0.0878% | 5,799 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3577% | 2,135 |
| Assets per employee ($millions) | 3.3647% | 5,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0392% | 1,011 |
| Loan loss allowance to noncurrent loans | 30.7921% | 5,528 |
| Noncurrent assets plus other real estate owned to assets | 5.2201% | 228 |
| Noncurrent loans to loans | 6.6225% | 146 |
| Net loans and leases to total assets | 69.2699% | 2,242 |
| Net loans and leases to deposits | 76.5436% | 2,987 |
| Net loans and leases to core deposits | 77.9346% | 3,385 |
| Total domestic deposits to total assets | 90.4973% | 529 |
| Equity capital to assets | 8.6228% | 5,636 |
| Core capital (leverage) ratio | 8.4841% | 5,533 |
| Tier 1 risk-based capital ratio | 11.4669% | 5,575 |
| Total risk-based capital ratio | 12.7255% | 5,481 |
| Memoranda: | ||
| Average total assets | $270,025,500 | 2,386 |
| Average earning assets | $228,370,000 | 2,572 |
| Average equity | $23,137,000 | 2,920 |
| Average total loans | $191,278,000 | 2,172 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7210% | 1,253 |
| Cost of funding earning assets | 0.3599% | 4,141 |
| Net interest margin | 4.3610% | 948 |
| Noninterest income to average assets | 1.1856% | 860 |
| Noninterest expense to average assets | 3.7002% | 1,148 |
| Loan and lease loss provision to assets | -0.2925% | 6,364 |
| Net operating income to assets | 1.5278% | 830 |
| Return on assets (ROA) | 1.5315% | 855 |
| Pretax return on assets | 1.5333% | 1,429 |
| Return on Equity (ROE) | 20.5667% | 218 |
| Retained earnings to average equity (ytd only) | 20.5667% | 62 |
| Net charge-offs to loans | -0.1486% | 6,210 |
| Credit loss provision to net charge-offs | 289.4928% | 885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9425% | 2,672 |
| Assets per employee ($millions) | 3.2623% | 5,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0481% | 1,028 |
| Loan loss allowance to noncurrent loans | 31.3170% | 5,620 |
| Noncurrent assets plus other real estate owned to assets | 5.4817% | 236 |
| Noncurrent loans to loans | 6.5399% | 162 |
| Net loans and leases to total assets | 69.5111% | 2,311 |
| Net loans and leases to deposits | 76.4717% | 3,144 |
| Net loans and leases to core deposits | 78.1201% | 3,505 |
| Total domestic deposits to total assets | 90.8978% | 406 |
| Equity capital to assets | 8.5130% | 5,743 |
| Core capital (leverage) ratio | 8.4096% | 5,653 |
| Tier 1 risk-based capital ratio | 11.6333% | 5,586 |
| Total risk-based capital ratio | 12.8927% | 5,487 |
| Memoranda: | ||
| Average total assets | $273,200,400 | 2,333 |
| Average earning assets | $235,035,400 | 2,464 |
| Average equity | $20,343,600 | 3,126 |
| Average total loans | $185,734,000 | 2,164 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6817% | 1,350 |
| Cost of funding earning assets | 0.3615% | 4,221 |
| Net interest margin | 4.3202% | 1,008 |
| Noninterest income to average assets | 1.1866% | 853 |
| Noninterest expense to average assets | 3.6714% | 1,168 |
| Loan and lease loss provision to assets | -0.3971% | 6,505 |
| Net operating income to assets | 1.6405% | 684 |
| Return on assets (ROA) | 1.6454% | 703 |
| Pretax return on assets | 1.6478% | 1,182 |
| Return on Equity (ROE) | 22.8947% | 160 |
| Retained earnings to average equity (ytd only) | 22.8947% | 45 |
| Net charge-offs to loans | -0.1862% | 6,294 |
| Credit loss provision to net charge-offs | 317.0543% | 877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6643% | 2,705 |
| Assets per employee ($millions) | 3.2536% | 5,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9974% | 1,267 |
| Loan loss allowance to noncurrent loans | 30.4740% | 5,713 |
| Noncurrent assets plus other real estate owned to assets | 5.5892% | 267 |
| Noncurrent loans to loans | 6.5544% | 190 |
| Net loans and leases to total assets | 70.8217% | 2,052 |
| Net loans and leases to deposits | 77.7042% | 2,981 |
| Net loans and leases to core deposits | 79.4596% | 3,377 |
| Total domestic deposits to total assets | 91.1427% | 323 |
| Equity capital to assets | 8.2085% | 6,008 |
| Core capital (leverage) ratio | 8.0883% | 6,011 |
| Tier 1 risk-based capital ratio | 11.1662% | 5,927 |
| Total risk-based capital ratio | 12.4249% | 5,871 |
| Memoranda: | ||
| Average total assets | $274,623,750 | 2,337 |
| Average earning assets | $237,146,250 | 2,470 |
| Average equity | $19,736,250 | 3,194 |
| Average total loans | $184,708,750 | 2,180 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5778% | 1,591 |
| Cost of funding earning assets | 0.3639% | 4,271 |
| Net interest margin | 4.2138% | 1,207 |
| Noninterest income to average assets | 1.1499% | 889 |
| Noninterest expense to average assets | 3.6662% | 1,192 |
| Loan and lease loss provision to assets | 0.2208% | 1,051 |
| Net operating income to assets | 0.8845% | 2,890 |
| Return on assets (ROA) | 0.8845% | 2,977 |
| Pretax return on assets | 0.8881% | 3,928 |
| Return on Equity (ROE) | 12.8951% | 1,203 |
| Retained earnings to average equity (ytd only) | 12.8951% | 345 |
| Net charge-offs to loans | 1.1021% | 298 |
| Credit loss provision to net charge-offs | 30.5085% | 3,051 |
| Earnings coverage of net charge-offs (x) | 1.5324% | 3,783 |
| Efficiency ratio | 76.7790% | 2,492 |
| Assets per employee ($millions) | 3.3579% | 5,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9996% | 1,360 |
| Loan loss allowance to noncurrent loans | 26.2603% | 5,872 |
| Noncurrent assets plus other real estate owned to assets | 5.9067% | 260 |
| Noncurrent loans to loans | 7.6145% | 146 |
| Net loans and leases to total assets | 66.1064% | 2,733 |
| Net loans and leases to deposits | 71.7786% | 3,601 |
| Net loans and leases to core deposits | 73.3285% | 3,915 |
| Total domestic deposits to total assets | 92.0977% | 160 |
| Equity capital to assets | 7.1244% | 6,427 |
| Core capital (leverage) ratio | 7.1557% | 6,400 |
| Tier 1 risk-based capital ratio | 10.3514% | 6,297 |
| Total risk-based capital ratio | 11.6101% | 6,253 |
| Memoranda: | ||
| Average total assets | $277,232,330 | 2,316 |
| Average earning assets | $238,501,330 | 2,461 |
| Average equity | $19,015,000 | 3,285 |
| Average total loans | $182,011,000 | 2,207 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5427% | 1,668 |
| Cost of funding earning assets | 0.3695% | 4,320 |
| Net interest margin | 4.1732% | 1,285 |
| Noninterest income to average assets | 1.2711% | 687 |
| Noninterest expense to average assets | 3.5978% | 1,309 |
| Loan and lease loss provision to assets | 0.1524% | 1,589 |
| Net operating income to assets | 1.0871% | 1,865 |
| Return on assets (ROA) | 1.0871% | 1,928 |
| Pretax return on assets | 1.0943% | 2,931 |
| Return on Equity (ROE) | 16.1590% | 627 |
| Retained earnings to average equity (ytd only) | 16.1590% | 265 |
| Net charge-offs to loans | 1.6209% | 192 |
| Credit loss provision to net charge-offs | 14.5205% | 2,567 |
| Earnings coverage of net charge-offs (x) | 1.1877% | 3,152 |
| Efficiency ratio | 74.2654% | 3,086 |
| Assets per employee ($millions) | 3.1680% | 5,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1034% | 1,319 |
| Loan loss allowance to noncurrent loans | 25.6624% | 5,959 |
| Noncurrent assets plus other real estate owned to assets | 6.0594% | 277 |
| Noncurrent loans to loans | 8.1966% | 153 |
| Net loans and leases to total assets | 63.2204% | 3,029 |
| Net loans and leases to deposits | 68.4534% | 3,808 |
| Net loans and leases to core deposits | 70.4883% | 4,036 |
| Total domestic deposits to total assets | 92.3555% | 187 |
| Equity capital to assets | 6.8464% | 6,480 |
| Core capital (leverage) ratio | 6.9008% | 6,492 |
| Tier 1 risk-based capital ratio | 10.5304% | 6,323 |
| Total risk-based capital ratio | 11.7907% | 6,285 |
| Memoranda: | ||
| Average total assets | $278,173,500 | 2,313 |
| Average earning assets | $238,185,500 | 2,467 |
| Average equity | $18,714,000 | 3,320 |
| Average total loans | $180,147,500 | 2,232 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4705% | 2,319 |
| Cost of funding earning assets | 0.4486% | 4,132 |
| Net interest margin | 4.0219% | 1,893 |
| Noninterest income to average assets | 1.2124% | 957 |
| Noninterest expense to average assets | 3.6013% | 1,444 |
| Loan and lease loss provision to assets | 0.1025% | 3,089 |
| Net operating income to assets | 1.0063% | 2,298 |
| Return on assets (ROA) | 1.0056% | 2,367 |
| Pretax return on assets | 1.0070% | 3,323 |
| Return on Equity (ROE) | 16.3877% | 578 |
| Retained earnings to average equity (ytd only) | 16.3877% | 142 |
| Net charge-offs to loans | 0.7540% | 843 |
| Credit loss provision to net charge-offs | 21.2956% | 4,423 |
| Earnings coverage of net charge-offs (x) | 2.3068% | 4,242 |
| Efficiency ratio | 76.4357% | 2,713 |
| Assets per employee ($millions) | 3.1541% | 5,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4471% | 880 |
| Loan loss allowance to noncurrent loans | 26.8701% | 6,028 |
| Noncurrent assets plus other real estate owned to assets | 6.7445% | 255 |
| Noncurrent loans to loans | 9.1070% | 138 |
| Net loans and leases to total assets | 63.3545% | 3,153 |
| Net loans and leases to deposits | 68.4505% | 3,979 |
| Net loans and leases to core deposits | 70.1082% | 4,280 |
| Total domestic deposits to total assets | 92.5551% | 185 |
| Equity capital to assets | 6.6080% | 6,551 |
| Core capital (leverage) ratio | 6.8234% | 6,557 |
| Tier 1 risk-based capital ratio | 10.1181% | 6,483 |
| Total risk-based capital ratio | 11.3825% | 6,440 |
| Memoranda: | ||
| Average total assets | $279,035,800 | 2,278 |
| Average earning assets | $242,769,400 | 2,405 |
| Average equity | $17,122,600 | 3,546 |
| Average total loans | $178,125,000 | 2,219 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4312% | 2,493 |
| Cost of funding earning assets | 0.4749% | 4,020 |
| Net interest margin | 3.9563% | 2,091 |
| Noninterest income to average assets | 1.2316% | 969 |
| Noninterest expense to average assets | 3.5694% | 1,457 |
| Loan and lease loss provision to assets | 0.1284% | 2,681 |
| Net operating income to assets | 0.9864% | 2,437 |
| Return on assets (ROA) | 0.9854% | 2,540 |
| Pretax return on assets | 0.9873% | 3,552 |
| Return on Equity (ROE) | 16.3709% | 597 |
| Retained earnings to average equity (ytd only) | 16.3709% | 148 |
| Net charge-offs to loans | 0.9302% | 623 |
| Credit loss provision to net charge-offs | 21.7111% | 4,044 |
| Earnings coverage of net charge-offs (x) | 1.8886% | 4,199 |
| Efficiency ratio | 76.1711% | 2,711 |
| Assets per employee ($millions) | 2.9936% | 5,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5404% | 898 |
| Loan loss allowance to noncurrent loans | 24.9889% | 6,137 |
| Noncurrent assets plus other real estate owned to assets | 7.7839% | 237 |
| Noncurrent loans to loans | 10.1663% | 125 |
| Net loans and leases to total assets | 64.7658% | 2,857 |
| Net loans and leases to deposits | 70.2475% | 3,750 |
| Net loans and leases to core deposits | 72.2677% | 4,058 |
| Total domestic deposits to total assets | 92.1966% | 222 |
| Equity capital to assets | 6.6332% | 6,623 |
| Core capital (leverage) ratio | 6.5273% | 6,663 |
| Tier 1 risk-based capital ratio | 9.7124% | 6,656 |
| Total risk-based capital ratio | 10.9771% | 6,635 |
| Memoranda: | ||
| Average total assets | $279,405,000 | 2,285 |
| Average earning assets | $243,961,750 | 2,404 |
| Average equity | $16,818,000 | 3,626 |
| Average total loans | $177,592,000 | 2,228 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3935% | 2,585 |
| Cost of funding earning assets | 0.4974% | 3,926 |
| Net interest margin | 3.8961% | 2,224 |
| Noninterest income to average assets | 1.2914% | 926 |
| Noninterest expense to average assets | 3.5055% | 1,593 |
| Loan and lease loss provision to assets | 0.1847% | 2,047 |
| Net operating income to assets | 1.0165% | 2,260 |
| Return on assets (ROA) | 1.0151% | 2,392 |
| Pretax return on assets | 1.0179% | 3,425 |
| Return on Equity (ROE) | 17.4197% | 519 |
| Retained earnings to average equity (ytd only) | 17.4197% | 144 |
| Net charge-offs to loans | 0.5805% | 1,138 |
| Credit loss provision to net charge-offs | 50.7752% | 3,196 |
| Earnings coverage of net charge-offs (x) | 3.3101% | 3,430 |
| Efficiency ratio | 74.4350% | 3,045 |
| Assets per employee ($millions) | 3.1444% | 5,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9326% | 630 |
| Loan loss allowance to noncurrent loans | 30.7574% | 5,984 |
| Noncurrent assets plus other real estate owned to assets | 6.9848% | 342 |
| Noncurrent loans to loans | 9.5347% | 180 |
| Net loans and leases to total assets | 61.6676% | 3,362 |
| Net loans and leases to deposits | 66.4048% | 4,217 |
| Net loans and leases to core deposits | 67.7209% | 4,527 |
| Total domestic deposits to total assets | 92.8662% | 134 |
| Equity capital to assets | 6.1847% | 6,727 |
| Core capital (leverage) ratio | 6.1787% | 6,736 |
| Tier 1 risk-based capital ratio | 9.4531% | 6,727 |
| Total risk-based capital ratio | 10.7230% | 6,708 |
| Memoranda: | ||
| Average total assets | $283,728,670 | 2,263 |
| Average earning assets | $248,915,670 | 2,356 |
| Average equity | $16,533,000 | 3,692 |
| Average total loans | $177,770,670 | 2,222 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1618% | 3,460 |
| Cost of funding earning assets | 0.5411% | 3,662 |
| Net interest margin | 3.6207% | 3,180 |
| Noninterest income to average assets | 1.0964% | 1,230 |
| Noninterest expense to average assets | 3.5048% | 1,611 |
| Loan and lease loss provision to assets | 0.2268% | 1,618 |
| Net operating income to assets | 0.5447% | 4,477 |
| Return on assets (ROA) | 0.5419% | 4,643 |
| Pretax return on assets | 0.5475% | 5,122 |
| Return on Equity (ROE) | 9.5878% | 2,233 |
| Retained earnings to average equity (ytd only) | 9.5878% | 1,220 |
| Net charge-offs to loans | 0.7876% | 776 |
| Credit loss provision to net charge-offs | 46.2857% | 2,656 |
| Earnings coverage of net charge-offs (x) | 1.5857% | 3,304 |
| Efficiency ratio | 81.8509% | 2,055 |
| Assets per employee ($millions) | 3.2446% | 5,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9395% | 700 |
| Loan loss allowance to noncurrent loans | 27.0575% | 6,124 |
| Noncurrent assets plus other real estate owned to assets | 7.7909% | 325 |
| Noncurrent loans to loans | 10.8639% | 177 |
| Net loans and leases to total assets | 61.0602% | 3,243 |
| Net loans and leases to deposits | 65.4670% | 4,126 |
| Net loans and leases to core deposits | 68.0869% | 4,294 |
| Total domestic deposits to total assets | 93.2685% | 106 |
| Equity capital to assets | 5.7372% | 6,845 |
| Core capital (leverage) ratio | 5.5864% | 6,836 |
| Tier 1 risk-based capital ratio | 8.8124% | 6,826 |
| Total risk-based capital ratio | 10.0825% | 6,827 |
| Memoranda: | ||
| Average total assets | $285,667,000 | 2,279 |
| Average earning assets | $251,332,000 | 2,357 |
| Average equity | $16,145,500 | 3,795 |
| Average total loans | $177,760,000 | 2,238 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5977% | 3,012 |
| Cost of funding earning assets | 0.7922% | 2,729 |
| Net interest margin | 3.8055% | 3,201 |
| Noninterest income to average assets | 1.0601% | 1,380 |
| Noninterest expense to average assets | 3.4372% | 1,974 |
| Loan and lease loss provision to assets | 0.5650% | 1,006 |
| Net operating income to assets | 0.3523% | 5,285 |
| Return on assets (ROA) | 0.5328% | 4,821 |
| Pretax return on assets | 0.5328% | 5,187 |
| Return on Equity (ROE) | 10.0630% | 2,143 |
| Retained earnings to average equity (ytd only) | 10.0630% | 587 |
| Net charge-offs to loans | 2.0932% | 342 |
| Credit loss provision to net charge-offs | 43.0138% | 4,863 |
| Earnings coverage of net charge-offs (x) | 0.6984% | 5,134 |
| Efficiency ratio | 78.9333% | 2,286 |
| Assets per employee ($millions) | 3.1408% | 5,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1086% | 598 |
| Loan loss allowance to noncurrent loans | 28.1696% | 6,131 |
| Noncurrent assets plus other real estate owned to assets | 7.4084% | 405 |
| Noncurrent loans to loans | 11.0354% | 187 |
| Net loans and leases to total assets | 59.6307% | 3,669 |
| Net loans and leases to deposits | 63.8422% | 4,552 |
| Net loans and leases to core deposits | 66.2971% | 4,711 |
| Total domestic deposits to total assets | 93.4033% | 99 |
| Equity capital to assets | 5.5667% | 6,916 |
| Core capital (leverage) ratio | 5.4853% | 6,895 |
| Tier 1 risk-based capital ratio | 8.8265% | 6,870 |
| Total risk-based capital ratio | 10.1041% | 6,869 |
| Memoranda: | ||
| Average total assets | $291,485,400 | 2,190 |
| Average earning assets | $252,343,400 | 2,297 |
| Average equity | $15,432,800 | 3,870 |
| Average total loans | $182,926,000 | 2,165 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8258% | 2,291 |
| Cost of funding earning assets | 0.8475% | 2,562 |
| Net interest margin | 3.9783% | 2,584 |
| Noninterest income to average assets | 1.0037% | 1,486 |
| Noninterest expense to average assets | 3.5683% | 1,616 |
| Loan and lease loss provision to assets | 0.6077% | 898 |
| Net operating income to assets | 0.2572% | 5,764 |
| Return on assets (ROA) | 0.4966% | 5,125 |
| Pretax return on assets | 0.4966% | 5,476 |
| Return on Equity (ROE) | 9.4990% | 2,589 |
| Retained earnings to average equity (ytd only) | 9.4990% | 1,066 |
| Net charge-offs to loans | 2.6120% | 234 |
| Credit loss provision to net charge-offs | 36.8988% | 4,685 |
| Earnings coverage of net charge-offs (x) | 0.5252% | 5,054 |
| Efficiency ratio | 80.4908% | 2,019 |
| Assets per employee ($millions) | 3.0376% | 5,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9687% | 742 |
| Loan loss allowance to noncurrent loans | 26.4789% | 6,288 |
| Noncurrent assets plus other real estate owned to assets | 7.9079% | 399 |
| Noncurrent loans to loans | 11.2115% | 194 |
| Net loans and leases to total assets | 61.4347% | 3,489 |
| Net loans and leases to deposits | 65.8073% | 4,493 |
| Net loans and leases to core deposits | 68.4109% | 4,687 |
| Total domestic deposits to total assets | 93.3554% | 89 |
| Equity capital to assets | 5.4893% | 7,024 |
| Core capital (leverage) ratio | 5.2719% | 6,999 |
| Tier 1 risk-based capital ratio | 8.2997% | 6,977 |
| Total risk-based capital ratio | 9.5706% | 6,978 |
| Memoranda: | ||
| Average total assets | $292,904,500 | 2,208 |
| Average earning assets | $252,497,250 | 2,327 |
| Average equity | $15,313,500 | 3,934 |
| Average total loans | $184,683,000 | 2,172 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8119% | 2,454 |
| Cost of funding earning assets | 0.8948% | 2,442 |
| Net interest margin | 3.9171% | 2,835 |
| Noninterest income to average assets | 1.0313% | 1,377 |
| Noninterest expense to average assets | 3.5895% | 1,604 |
| Loan and lease loss provision to assets | 0.3325% | 1,979 |
| Net operating income to assets | 0.4828% | 4,900 |
| Return on assets (ROA) | 0.4828% | 5,148 |
| Pretax return on assets | 0.4828% | 5,488 |
| Return on Equity (ROE) | 9.3857% | 2,622 |
| Retained earnings to average equity (ytd only) | 9.3857% | 1,141 |
| Net charge-offs to loans | 2.5927% | 265 |
| Credit loss provision to net charge-offs | 20.3650% | 4,601 |
| Earnings coverage of net charge-offs (x) | 0.4994% | 4,822 |
| Efficiency ratio | 81.4912% | 1,964 |
| Assets per employee ($millions) | 3.0502% | 5,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1135% | 706 |
| Loan loss allowance to noncurrent loans | 26.9495% | 6,282 |
| Noncurrent assets plus other real estate owned to assets | 8.1018% | 421 |
| Noncurrent loans to loans | 11.5530% | 187 |
| Net loans and leases to total assets | 60.2654% | 3,773 |
| Net loans and leases to deposits | 64.6382% | 4,680 |
| Net loans and leases to core deposits | 67.8244% | 4,809 |
| Total domestic deposits to total assets | 93.2349% | 111 |
| Equity capital to assets | 5.3503% | 7,077 |
| Core capital (leverage) ratio | 5.0560% | 7,067 |
| Tier 1 risk-based capital ratio | 7.8372% | 7,050 |
| Total risk-based capital ratio | 9.1090% | 7,052 |
| Memoranda: | ||
| Average total assets | $295,359,670 | 2,188 |
| Average earning assets | $254,370,330 | 2,318 |
| Average equity | $15,193,330 | 3,949 |
| Average total loans | $185,981,670 | 2,150 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7704% | 2,758 |
| Cost of funding earning assets | 0.9535% | 2,281 |
| Net interest margin | 3.8170% | 3,305 |
| Noninterest income to average assets | 0.9068% | 1,715 |
| Noninterest expense to average assets | 3.4402% | 1,913 |
| Loan and lease loss provision to assets | 0.3267% | 1,915 |
| Net operating income to assets | 0.4337% | 5,110 |
| Return on assets (ROA) | 0.4337% | 5,295 |
| Pretax return on assets | 0.4337% | 5,636 |
| Return on Equity (ROE) | 8.6050% | 2,993 |
| Retained earnings to average equity (ytd only) | 8.6050% | 1,727 |
| Net charge-offs to loans | 3.0382% | 238 |
| Credit loss provision to net charge-offs | 16.9718% | 3,824 |
| Earnings coverage of net charge-offs (x) | 0.3951% | 4,161 |
| Efficiency ratio | 81.8974% | 1,945 |
| Assets per employee ($millions) | 3.1759% | 5,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4740% | 546 |
| Loan loss allowance to noncurrent loans | 26.3456% | 6,329 |
| Noncurrent assets plus other real estate owned to assets | 9.1860% | 377 |
| Noncurrent loans to loans | 13.1863% | 162 |
| Net loans and leases to total assets | 59.5932% | 3,758 |
| Net loans and leases to deposits | 63.6174% | 4,688 |
| Net loans and leases to core deposits | 67.2298% | 4,774 |
| Total domestic deposits to total assets | 93.6744% | 103 |
| Equity capital to assets | 4.9770% | 7,140 |
| Core capital (leverage) ratio | 4.8420% | 7,130 |
| Tier 1 risk-based capital ratio | 7.5415% | 7,108 |
| Total risk-based capital ratio | 8.8177% | 7,109 |
| Memoranda: | ||
| Average total assets | $295,103,000 | 2,202 |
| Average earning assets | $254,652,500 | 2,328 |
| Average equity | $14,875,000 | 4,017 |
| Average total loans | $186,953,000 | 2,150 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0417% | 2,697 |
| Cost of funding earning assets | 1.2147% | 1,933 |
| Net interest margin | 3.8270% | 3,689 |
| Noninterest income to average assets | 0.9523% | 1,502 |
| Noninterest expense to average assets | 3.7088% | 1,525 |
| Loan and lease loss provision to assets | 0.2363% | 3,842 |
| Net operating income to assets | 0.2767% | 5,344 |
| Return on assets (ROA) | 0.2844% | 5,464 |
| Pretax return on assets | 0.2844% | 5,602 |
| Return on Equity (ROE) | 7.2014% | 3,305 |
| Retained earnings to average equity (ytd only) | 7.2014% | 1,407 |
| Net charge-offs to loans | 1.0075% | 1,726 |
| Credit loss provision to net charge-offs | 34.6210% | 5,715 |
| Earnings coverage of net charge-offs (x) | 0.7516% | 5,239 |
| Efficiency ratio | 87.8479% | 1,368 |
| Assets per employee ($millions) | 2.9141% | 6,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0770% | 362 |
| Loan loss allowance to noncurrent loans | 29.1362% | 6,250 |
| Noncurrent assets plus other real estate owned to assets | 10.3446% | 304 |
| Noncurrent loans to loans | 13.9930% | 152 |
| Net loans and leases to total assets | 62.3878% | 3,522 |
| Net loans and leases to deposits | 66.7088% | 4,634 |
| Net loans and leases to core deposits | 71.5404% | 4,585 |
| Total domestic deposits to total assets | 93.5226% | 110 |
| Equity capital to assets | 5.1072% | 7,162 |
| Core capital (leverage) ratio | 4.8842% | 7,158 |
| Tier 1 risk-based capital ratio | 7.3498% | 7,139 |
| Total risk-based capital ratio | 8.6332% | 7,139 |
| Memoranda: | ||
| Average total assets | $299,581,200 | 2,138 |
| Average earning assets | $255,946,200 | 2,261 |
| Average equity | $11,831,000 | 4,588 |
| Average total loans | $202,979,800 | 2,015 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1014% | 2,604 |
| Cost of funding earning assets | 1.2646% | 1,904 |
| Net interest margin | 3.8368% | 3,684 |
| Noninterest income to average assets | 1.1831% | 944 |
| Noninterest expense to average assets | 3.8281% | 1,266 |
| Loan and lease loss provision to assets | 0.2033% | 3,983 |
| Net operating income to assets | 0.4216% | 4,899 |
| Return on assets (ROA) | 0.4317% | 5,046 |
| Pretax return on assets | 0.4317% | 5,371 |
| Return on Equity (ROE) | 11.7539% | 1,605 |
| Retained earnings to average equity (ytd only) | 11.7539% | 523 |
| Net charge-offs to loans | 1.1101% | 1,431 |
| Credit loss provision to net charge-offs | 26.7712% | 5,464 |
| Earnings coverage of net charge-offs (x) | 0.8229% | 4,997 |
| Efficiency ratio | 85.9675% | 1,532 |
| Assets per employee ($millions) | 2.9456% | 6,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9563% | 406 |
| Loan loss allowance to noncurrent loans | 28.9331% | 6,318 |
| Noncurrent assets plus other real estate owned to assets | 10.6421% | 319 |
| Noncurrent loans to loans | 13.6739% | 178 |
| Net loans and leases to total assets | 64.9745% | 3,109 |
| Net loans and leases to deposits | 69.6170% | 4,359 |
| Net loans and leases to core deposits | 77.0319% | 4,041 |
| Total domestic deposits to total assets | 93.3313% | 117 |
| Equity capital to assets | 5.1004% | 7,256 |
| Core capital (leverage) ratio | 4.8601% | 7,249 |
| Tier 1 risk-based capital ratio | 7.0809% | 7,240 |
| Total risk-based capital ratio | 8.3628% | 7,237 |
| Memoranda: | ||
| Average total assets | $302,352,250 | 2,127 |
| Average earning assets | $257,673,750 | 2,265 |
| Average equity | $11,105,250 | 4,781 |
| Average total loans | $206,815,500 | 2,005 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1929% | 2,285 |
| Cost of funding earning assets | 1.2819% | 2,055 |
| Net interest margin | 3.9110% | 3,257 |
| Noninterest income to average assets | 1.0667% | 1,158 |
| Noninterest expense to average assets | 3.7730% | 1,389 |
| Loan and lease loss provision to assets | 0.1434% | 4,513 |
| Net operating income to assets | 0.4724% | 4,632 |
| Return on assets (ROA) | 0.4894% | 4,687 |
| Pretax return on assets | 0.4894% | 5,104 |
| Return on Equity (ROE) | 15.1727% | 770 |
| Retained earnings to average equity (ytd only) | 15.1727% | 237 |
| Net charge-offs to loans | 1.4687% | 1,014 |
| Credit loss provision to net charge-offs | 14.2211% | 5,203 |
| Earnings coverage of net charge-offs (x) | 0.6109% | 4,838 |
| Efficiency ratio | 85.9688% | 1,604 |
| Assets per employee ($millions) | 3.0256% | 6,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7987% | 470 |
| Loan loss allowance to noncurrent loans | 28.2594% | 6,363 |
| Noncurrent assets plus other real estate owned to assets | 10.6628% | 342 |
| Noncurrent loans to loans | 13.4422% | 186 |
| Net loans and leases to total assets | 64.7630% | 3,305 |
| Net loans and leases to deposits | 68.8798% | 4,579 |
| Net loans and leases to core deposits | 76.7043% | 4,227 |
| Total domestic deposits to total assets | 94.0231% | 80 |
| Equity capital to assets | 4.5357% | 7,353 |
| Core capital (leverage) ratio | 4.6503% | 7,329 |
| Tier 1 risk-based capital ratio | 6.6117% | 7,332 |
| Total risk-based capital ratio | 7.8909% | 7,336 |
| Memoranda: | ||
| Average total assets | $306,915,000 | 2,101 |
| Average earning assets | $260,702,000 | 2,249 |
| Average equity | $9,899,330 | 5,075 |
| Average total loans | $210,659,330 | 1,989 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3268% | 1,790 |
| Cost of funding earning assets | 1.3170% | 2,088 |
| Net interest margin | 4.0098% | 2,648 |
| Noninterest income to average assets | 0.9865% | 1,368 |
| Noninterest expense to average assets | 3.6458% | 1,660 |
| Loan and lease loss provision to assets | 0.0837% | 4,947 |
| Net operating income to assets | 0.6800% | 3,609 |
| Return on assets (ROA) | 0.6800% | 3,675 |
| Pretax return on assets | 0.6800% | 4,385 |
| Return on Equity (ROE) | 26.2165% | 137 |
| Retained earnings to average equity (ytd only) | 26.2165% | 86 |
| Net charge-offs to loans | 1.5077% | 904 |
| Credit loss provision to net charge-offs | 8.0148% | 4,404 |
| Earnings coverage of net charge-offs (x) | 0.7312% | 4,086 |
| Efficiency ratio | 82.6811% | 2,127 |
| Assets per employee ($millions) | 3.0798% | 5,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9072% | 444 |
| Loan loss allowance to noncurrent loans | 30.7741% | 6,253 |
| Noncurrent assets plus other real estate owned to assets | 10.3261% | 385 |
| Noncurrent loans to loans | 12.6965% | 243 |
| Net loans and leases to total assets | 65.8086% | 3,063 |
| Net loans and leases to deposits | 68.7543% | 4,557 |
| Net loans and leases to core deposits | 77.4877% | 4,093 |
| Total domestic deposits to total assets | 95.7156% | 41 |
| Equity capital to assets | 2.6583% | 7,499 |
| Core capital (leverage) ratio | 3.0314% | 7,481 |
| Tier 1 risk-based capital ratio | 4.2199% | 7,485 |
| Total risk-based capital ratio | 5.5004% | 7,485 |
| Memoranda: | ||
| Average total assets | $310,604,000 | 2,089 |
| Average earning assets | $265,148,500 | 2,234 |
| Average equity | $8,056,000 | 5,586 |
| Average total loans | $215,164,500 | 1,969 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2908% | 3,169 |
| Cost of funding earning assets | 1.5298% | 2,483 |
| Net interest margin | 3.7610% | 4,105 |
| Noninterest income to average assets | 1.0733% | 1,299 |
| Noninterest expense to average assets | 3.9038% | 1,310 |
| Loan and lease loss provision to assets | 3.2458% | 263 |
| Net operating income to assets | -2.8327% | 7,253 |
| Return on assets (ROA) | -2.4564% | 7,182 |
| Pretax return on assets | -2.4564% | 7,151 |
| Return on Equity (ROE) | -67.5390% | 7,510 |
| Retained earnings to average equity (ytd only) | -67.5390% | 7,509 |
| Net charge-offs to loans | 6.8763% | 60 |
| Credit loss provision to net charge-offs | 64.5006% | 5,996 |
| Earnings coverage of net charge-offs (x) | 0.0821% | 6,039 |
| Efficiency ratio | 90.4297% | 1,290 |
| Assets per employee ($millions) | 2.9831% | 6,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0959% | 368 |
| Loan loss allowance to noncurrent loans | 32.7969% | 6,133 |
| Noncurrent assets plus other real estate owned to assets | 10.4157% | 378 |
| Noncurrent loans to loans | 12.4888% | 258 |
| Net loans and leases to total assets | 67.1791% | 3,168 |
| Net loans and leases to deposits | 70.0744% | 4,807 |
| Net loans and leases to core deposits | 79.9751% | 4,225 |
| Total domestic deposits to total assets | 95.8682% | 42 |
| Equity capital to assets | 2.5301% | 7,585 |
| Core capital (leverage) ratio | 2.8226% | 7,571 |
| Tier 1 risk-based capital ratio | 3.8437% | 7,571 |
| Total risk-based capital ratio | 5.1268% | 7,573 |
| Memoranda: | ||
| Average total assets | $325,064,400 | 1,998 |
| Average earning assets | $280,354,600 | 2,102 |
| Average equity | $11,822,800 | 4,662 |
| Average total loans | $237,890,400 | 1,841 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2359% | 3,655 |
| Cost of funding earning assets | 1.5728% | 2,539 |
| Net interest margin | 3.6631% | 4,581 |
| Noninterest income to average assets | 1.2076% | 951 |
| Noninterest expense to average assets | 3.9175% | 1,178 |
| Loan and lease loss provision to assets | 3.2960% | 236 |
| Net operating income to assets | -2.8318% | 7,417 |
| Return on assets (ROA) | -2.3408% | 7,329 |
| Pretax return on assets | -2.3408% | 7,282 |
| Return on Equity (ROE) | -60.0009% | 7,602 |
| Retained earnings to average equity (ytd only) | -60.0009% | 7,600 |
| Net charge-offs to loans | 5.8652% | 112 |
| Credit loss provision to net charge-offs | 76.0124% | 5,253 |
| Earnings coverage of net charge-offs (x) | 0.1070% | 5,913 |
| Efficiency ratio | 89.4063% | 1,332 |
| Assets per employee ($millions) | 2.9199% | 6,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2222% | 149 |
| Loan loss allowance to noncurrent loans | 41.0750% | 5,555 |
| Noncurrent assets plus other real estate owned to assets | 12.0675% | 268 |
| Noncurrent loans to loans | 12.7138% | 245 |
| Net loans and leases to total assets | 71.0738% | 2,467 |
| Net loans and leases to deposits | 75.1927% | 4,320 |
| Net loans and leases to core deposits | 85.9388% | 3,665 |
| Total domestic deposits to total assets | 94.5222% | 51 |
| Equity capital to assets | 3.5964% | 7,661 |
| Core capital (leverage) ratio | 3.5501% | 7,645 |
| Tier 1 risk-based capital ratio | 4.6164% | 7,657 |
| Total risk-based capital ratio | 5.9145% | 7,661 |
| Memoranda: | ||
| Average total assets | $328,023,000 | 2,011 |
| Average earning assets | $284,233,750 | 2,115 |
| Average equity | $12,797,250 | 4,476 |
| Average total loans | $242,510,000 | 1,825 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0536% | 4,687 |
| Cost of funding earning assets | 1.5957% | 2,682 |
| Net interest margin | 3.4579% | 5,415 |
| Noninterest income to average assets | 1.1302% | 1,028 |
| Noninterest expense to average assets | 3.8419% | 1,283 |
| Loan and lease loss provision to assets | 4.8370% | 119 |
| Net operating income to assets | -4.5417% | 7,668 |
| Return on assets (ROA) | -4.1702% | 7,646 |
| Pretax return on assets | -4.1702% | 7,626 |
| Return on Equity (ROE) | -104.3426% | 7,743 |
| Retained earnings to average equity (ytd only) | -104.3426% | 7,742 |
| Net charge-offs to loans | 2.2344% | 801 |
| Credit loss provision to net charge-offs | 294.1241% | 1,263 |
| Earnings coverage of net charge-offs (x) | 0.1796% | 5,541 |
| Efficiency ratio | 92.8623% | 1,136 |
| Assets per employee ($millions) | 2.7239% | 6,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1584% | 35 |
| Loan loss allowance to noncurrent loans | 44.7085% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 15.4986% | 128 |
| Noncurrent loans to loans | 18.2481% | 106 |
| Net loans and leases to total assets | 71.6578% | 2,498 |
| Net loans and leases to deposits | 75.5426% | 4,418 |
| Net loans and leases to core deposits | 86.9554% | 3,704 |
| Total domestic deposits to total assets | 94.8574% | 51 |
| Equity capital to assets | 3.1709% | 7,746 |
| Core capital (leverage) ratio | 3.0093% | 7,743 |
| Tier 1 risk-based capital ratio | 4.0216% | 7,746 |
| Total risk-based capital ratio | 5.3576% | 7,745 |
| Memoranda: | ||
| Average total assets | $333,222,000 | 1,997 |
| Average earning assets | $289,772,000 | 2,090 |
| Average equity | $13,317,670 | 4,370 |
| Average total loans | $245,250,670 | 1,836 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8818% | 5,553 |
| Cost of funding earning assets | 1.6183% | 2,850 |
| Net interest margin | 3.2634% | 6,083 |
| Noninterest income to average assets | 0.8378% | 1,850 |
| Noninterest expense to average assets | 3.7537% | 1,405 |
| Loan and lease loss provision to assets | 3.2120% | 302 |
| Net operating income to assets | -3.2775% | 7,660 |
| Return on assets (ROA) | -3.2658% | 7,658 |
| Pretax return on assets | -3.2658% | 7,622 |
| Return on Equity (ROE) | -74.5908% | 7,781 |
| Retained earnings to average equity (ytd only) | -74.5908% | 7,776 |
| Net charge-offs to loans | 3.8903% | 346 |
| Credit loss provision to net charge-offs | 115.3846% | 3,014 |
| Earnings coverage of net charge-offs (x) | -0.0235% | 5,042 |
| Efficiency ratio | 101.7766% | 788 |
| Assets per employee ($millions) | 2.9626% | 6,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2880% | 88 |
| Loan loss allowance to noncurrent loans | 34.9607% | 6,052 |
| Noncurrent assets plus other real estate owned to assets | 13.9698% | 166 |
| Noncurrent loans to loans | 17.9859% | 111 |
| Net loans and leases to total assets | 66.8954% | 3,657 |
| Net loans and leases to deposits | 71.1303% | 5,177 |
| Net loans and leases to core deposits | 81.8765% | 4,505 |
| Total domestic deposits to total assets | 94.0463% | 70 |
| Equity capital to assets | 4.0413% | 7,791 |
| Core capital (leverage) ratio | 3.8956% | 7,787 |
| Tier 1 risk-based capital ratio | 5.5868% | 7,768 |
| Total risk-based capital ratio | 6.8994% | 7,770 |
| Memoranda: | ||
| Average total assets | $341,848,000 | 2,007 |
| Average earning assets | $298,580,500 | 2,086 |
| Average equity | $14,967,000 | 4,023 |
| Average total loans | $244,611,000 | 1,896 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1661% | 5,810 |
| Cost of funding earning assets | 1.8829% | 3,548 |
| Net interest margin | 3.2832% | 5,807 |
| Noninterest income to average assets | 1.0196% | 1,504 |
| Noninterest expense to average assets | 3.9314% | 1,466 |
| Loan and lease loss provision to assets | 5.9673% | 114 |
| Net operating income to assets | -6.0275% | 7,839 |
| Return on assets (ROA) | -5.8265% | 7,817 |
| Pretax return on assets | -5.8251% | 7,788 |
| Return on Equity (ROE) | -73.6929% | 7,829 |
| Retained earnings to average equity (ytd only) | -73.6929% | 7,826 |
| Net charge-offs to loans | 5.4367% | 212 |
| Credit loss provision to net charge-offs | 146.8374% | 3,214 |
| Earnings coverage of net charge-offs (x) | -0.0145% | 6,218 |
| Efficiency ratio | 93.2554% | 1,465 |
| Assets per employee ($millions) | 2.9824% | 6,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9622% | 101 |
| Loan loss allowance to noncurrent loans | 47.0113% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 10.2878% | 348 |
| Noncurrent loans to loans | 12.6826% | 253 |
| Net loans and leases to total assets | 67.4465% | 3,824 |
| Net loans and leases to deposits | 72.1963% | 5,302 |
| Net loans and leases to core deposits | 82.8424% | 5,833 |
| Total domestic deposits to total assets | 93.4211% | 102 |
| Equity capital to assets | 4.7073% | 7,808 |
| Core capital (leverage) ratio | 4.5382% | 7,801 |
| Tier 1 risk-based capital ratio | 6.5106% | 7,792 |
| Total risk-based capital ratio | 7.8185% | 7,789 |
| Memoranda: | ||
| Average total assets | $362,189,600 | 1,876 |
| Average earning assets | $314,724,800 | 1,980 |
| Average equity | $28,636,400 | 2,322 |
| Average total loans | $270,733,600 | 1,773 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1129% | 6,221 |
| Cost of funding earning assets | 1.9153% | 3,794 |
| Net interest margin | 3.1977% | 6,031 |
| Noninterest income to average assets | 1.3175% | 892 |
| Noninterest expense to average assets | 3.5680% | 2,102 |
| Loan and lease loss provision to assets | 3.3874% | 401 |
| Net operating income to assets | -2.8548% | 7,560 |
| Return on assets (ROA) | -2.5916% | 7,487 |
| Pretax return on assets | -2.5898% | 7,381 |
| Return on Equity (ROE) | -29.9196% | 7,604 |
| Retained earnings to average equity (ytd only) | -29.9196% | 7,593 |
| Net charge-offs to loans | 3.9278% | 368 |
| Credit loss provision to net charge-offs | 114.2840% | 4,444 |
| Earnings coverage of net charge-offs (x) | 0.1803% | 5,841 |
| Efficiency ratio | 86.9731% | 1,965 |
| Assets per employee ($millions) | 3.1026% | 5,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3989% | 462 |
| Loan loss allowance to noncurrent loans | 28.3334% | 6,581 |
| Noncurrent assets plus other real estate owned to assets | 10.5714% | 305 |
| Noncurrent loans to loans | 11.9961% | 274 |
| Net loans and leases to total assets | 72.8255% | 2,840 |
| Net loans and leases to deposits | 81.3828% | 4,133 |
| Net loans and leases to core deposits | 92.7903% | 5,153 |
| Total domestic deposits to total assets | 89.4851% | 974 |
| Equity capital to assets | 8.6345% | 6,065 |
| Core capital (leverage) ratio | 8.0395% | 6,295 |
| Tier 1 risk-based capital ratio | 10.6298% | 6,313 |
| Total risk-based capital ratio | 11.9054% | 6,272 |
| Memoranda: | ||
| Average total assets | $366,248,500 | 1,871 |
| Average earning assets | $318,975,500 | 1,971 |
| Average equity | $31,724,250 | 2,132 |
| Average total loans | $276,385,000 | 1,764 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0204% | 6,702 |
| Cost of funding earning assets | 1.9263% | 4,127 |
| Net interest margin | 3.0940% | 6,265 |
| Noninterest income to average assets | 1.2866% | 922 |
| Noninterest expense to average assets | 4.0358% | 1,267 |
| Loan and lease loss provision to assets | 3.5796% | 392 |
| Net operating income to assets | -3.6320% | 7,781 |
| Return on assets (ROA) | -3.3134% | 7,728 |
| Pretax return on assets | -3.3107% | 7,635 |
| Return on Equity (ROE) | -38.2141% | 7,828 |
| Retained earnings to average equity (ytd only) | -38.2141% | 7,812 |
| Net charge-offs to loans | 5.3528% | 221 |
| Credit loss provision to net charge-offs | 88.5890% | 4,964 |
| Earnings coverage of net charge-offs (x) | -0.0123% | 5,704 |
| Efficiency ratio | 101.2461% | 1,116 |
| Assets per employee ($millions) | 3.1733% | 5,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5944% | 830 |
| Loan loss allowance to noncurrent loans | 21.6394% | 7,035 |
| Noncurrent assets plus other real estate owned to assets | 9.5574% | 329 |
| Noncurrent loans to loans | 11.9892% | 226 |
| Net loans and leases to total assets | 71.2517% | 3,410 |
| Net loans and leases to deposits | 80.1655% | 4,519 |
| Net loans and leases to core deposits | 91.0304% | 5,446 |
| Total domestic deposits to total assets | 88.8807% | 1,324 |
| Equity capital to assets | 8.2570% | 6,407 |
| Core capital (leverage) ratio | 8.1152% | 6,132 |
| Tier 1 risk-based capital ratio | 10.6573% | 6,227 |
| Total risk-based capital ratio | 11.9229% | 6,145 |
| Memoranda: | ||
| Average total assets | $370,431,670 | 1,878 |
| Average earning assets | $323,202,000 | 1,965 |
| Average equity | $32,119,000 | 2,107 |
| Average total loans | $279,631,330 | 1,775 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4618% | 5,110 |
| Cost of funding earning assets | 2.0086% | 4,085 |
| Net interest margin | 3.4533% | 4,931 |
| Noninterest income to average assets | 1.3697% | 761 |
| Noninterest expense to average assets | 3.7491% | 1,565 |
| Loan and lease loss provision to assets | 2.3891% | 489 |
| Net operating income to assets | -1.7481% | 7,588 |
| Return on assets (ROA) | -1.1773% | 7,364 |
| Pretax return on assets | -1.1719% | 7,239 |
| Return on Equity (ROE) | -13.2601% | 7,532 |
| Retained earnings to average equity (ytd only) | -13.2601% | 7,341 |
| Net charge-offs to loans | 0.7629% | 1,680 |
| Credit loss provision to net charge-offs | 408.5028% | 1,283 |
| Earnings coverage of net charge-offs (x) | 1.1054% | 4,198 |
| Efficiency ratio | 85.2927% | 2,158 |
| Assets per employee ($millions) | 3.1038% | 5,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3869% | 345 |
| Loan loss allowance to noncurrent loans | 31.6907% | 6,433 |
| Noncurrent assets plus other real estate owned to assets | 8.7331% | 302 |
| Noncurrent loans to loans | 10.6874% | 247 |
| Net loans and leases to total assets | 73.9024% | 2,782 |
| Net loans and leases to deposits | 83.6357% | 4,037 |
| Net loans and leases to core deposits | 97.1270% | 4,837 |
| Total domestic deposits to total assets | 88.3623% | 1,539 |
| Equity capital to assets | 8.7145% | 5,747 |
| Core capital (leverage) ratio | 8.3578% | 5,792 |
| Tier 1 risk-based capital ratio | 10.5586% | 6,334 |
| Total risk-based capital ratio | 11.8333% | 6,227 |
| Memoranda: | ||
| Average total assets | $370,010,500 | 1,885 |
| Average earning assets | $324,213,000 | 1,955 |
| Average equity | $32,850,500 | 2,062 |
| Average total loans | $283,654,500 | 1,753 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3470% | 3,708 |
| Cost of funding earning assets | 2.6253% | 3,557 |
| Net interest margin | 3.7218% | 4,374 |
| Noninterest income to average assets | 1.3392% | 801 |
| Noninterest expense to average assets | 3.2795% | 3,033 |
| Loan and lease loss provision to assets | 2.5367% | 406 |
| Net operating income to assets | -1.1783% | 7,332 |
| Return on assets (ROA) | -1.1103% | 7,236 |
| Pretax return on assets | -1.1091% | 7,063 |
| Return on Equity (ROE) | -13.0763% | 7,498 |
| Retained earnings to average equity (ytd only) | -16.0941% | 7,523 |
| Net charge-offs to loans | 2.2327% | 463 |
| Credit loss provision to net charge-offs | 151.7321% | 3,454 |
| Earnings coverage of net charge-offs (x) | 0.8133% | 5,747 |
| Efficiency ratio | 70.5921% | 4,231 |
| Assets per employee ($millions) | 2.9654% | 6,135 |
| Cash dividends to net income (ytd only)* | -23.0787% | 7,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7741% | 527 |
| Loan loss allowance to noncurrent loans | 26.8160% | 6,903 |
| Noncurrent assets plus other real estate owned to assets | 8.4404% | 259 |
| Noncurrent loans to loans | 10.3448% | 195 |
| Net loans and leases to total assets | 74.6974% | 2,940 |
| Net loans and leases to deposits | 85.7317% | 4,155 |
| Net loans and leases to core deposits | 101.0773% | 4,714 |
| Total domestic deposits to total assets | 87.1292% | 1,877 |
| Equity capital to assets | 9.0415% | 5,320 |
| Core capital (leverage) ratio | 8.5737% | 5,439 |
| Tier 1 risk-based capital ratio | 10.6774% | 6,021 |
| Total risk-based capital ratio | 11.9445% | 5,916 |
| Memoranda: | ||
| Average total assets | $390,239,000 | 1,740 |
| Average earning assets | $346,019,800 | 1,787 |
| Average equity | $33,136,400 | 2,043 |
| Average total loans | $292,198,600 | 1,653 |