Home > Putnam Bank > Performance and Condition Ratios
Putnam Bank, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8811% | 4,075 |
| Cost of funding earning assets | 0.8256% | 2,244 |
| Net interest margin | 3.0555% | 4,191 |
| Noninterest income to average assets | 0.4899% | 2,600 |
| Noninterest expense to average assets | 2.5813% | 3,038 |
| Loan and lease loss provision to assets | 0.1168% | 2,229 |
| Net operating income to assets | 0.5413% | 3,770 |
| Return on assets (ROA) | 0.5413% | 3,829 |
| Pretax return on assets | 0.6457% | 3,822 |
| Return on Equity (ROE) | 3.8025% | 4,002 |
| Retained earnings to average equity (ytd only) | 3.8025% | 2,755 |
| Net charge-offs to loans | 0.0370% | 1,676 |
| Credit loss provision to net charge-offs | 428.5714% | 958 |
| Earnings coverage of net charge-offs (x) | 27.9714% | 1,224 |
| Efficiency ratio | 77.1954% | 1,432 |
| Assets per employee ($millions) | 5.4725% | 2,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8670% | 4,231 |
| Loan loss allowance to noncurrent loans | 100.6987% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.8543% | 1,568 |
| Noncurrent loans to loans | 0.8610% | 1,894 |
| Net loans and leases to total assets | 75.2875% | 1,420 |
| Net loans and leases to deposits | 100.6706% | 511 |
| Net loans and leases to core deposits | 107.2599% | 978 |
| Total domestic deposits to total assets | 74.7860% | 4,596 |
| Equity capital to assets | 14.5327% | 885 |
| Core capital (leverage) ratio | 13.3909% | 1,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $513,546,500 | 1,437 |
| Average earning assets | $479,657,000 | 1,424 |
| Average equity | $73,109,500 | 1,225 |
| Average total loans | $378,152,000 | 1,360 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8960% | 4,442 |
| Cost of funding earning assets | 0.8750% | 2,308 |
| Net interest margin | 3.0211% | 4,497 |
| Noninterest income to average assets | 0.5056% | 2,700 |
| Noninterest expense to average assets | 2.2986% | 3,949 |
| Loan and lease loss provision to assets | 0.0666% | 2,684 |
| Net operating income to assets | 0.7950% | 3,569 |
| Return on assets (ROA) | 0.7778% | 3,698 |
| Pretax return on assets | 0.9419% | 3,627 |
| Return on Equity (ROE) | 5.7373% | 3,996 |
| Retained earnings to average equity (ytd only) | 3.6311% | 3,181 |
| Net charge-offs to loans | 0.0037% | 3,544 |
| Credit loss provision to net charge-offs | 2,500.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 386.2143% | 235 |
| Efficiency ratio | 69.0710% | 2,306 |
| Assets per employee ($millions) | 5.5119% | 2,045 |
| Cash dividends to net income (ytd only)* | 36.7107% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8557% | 4,135 |
| Loan loss allowance to noncurrent loans | 82.6660% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 0.9320% | 1,362 |
| Noncurrent loans to loans | 1.0352% | 1,461 |
| Net loans and leases to total assets | 70.8027% | 2,276 |
| Net loans and leases to deposits | 95.3459% | 1,015 |
| Net loans and leases to core deposits | 104.0638% | 1,223 |
| Total domestic deposits to total assets | 74.2588% | 4,760 |
| Equity capital to assets | 13.9512% | 1,114 |
| Core capital (leverage) ratio | 12.8588% | 1,305 |
| Tier 1 risk-based capital ratio | 18.7873% | 1,568 |
| Total risk-based capital ratio | 19.6858% | 1,622 |
| Memoranda: | ||
| Average total assets | $525,322,200 | 1,363 |
| Average earning assets | $490,754,600 | 1,351 |
| Average equity | $71,217,800 | 1,206 |
| Average total loans | $374,672,400 | 1,343 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8986% | 4,542 |
| Cost of funding earning assets | 0.8667% | 2,380 |
| Net interest margin | 3.0319% | 4,584 |
| Noninterest income to average assets | 0.4976% | 2,744 |
| Noninterest expense to average assets | 2.3712% | 3,763 |
| Loan and lease loss provision to assets | 0.0888% | 2,126 |
| Net operating income to assets | 0.7211% | 3,942 |
| Return on assets (ROA) | 0.7053% | 4,062 |
| Pretax return on assets | 0.8503% | 4,007 |
| Return on Equity (ROE) | 5.2402% | 4,264 |
| Retained earnings to average equity (ytd only) | 2.4138% | 4,136 |
| Net charge-offs to loans | 0.0007% | 3,441 |
| Credit loss provision to net charge-offs | 17,500.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 1,886.5955% | 38 |
| Efficiency ratio | 71.2218% | 1,938 |
| Assets per employee ($millions) | 5.3811% | 2,145 |
| Cash dividends to net income (ytd only)* | 53.9374% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8553% | 4,213 |
| Loan loss allowance to noncurrent loans | 84.7493% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 0.9509% | 1,421 |
| Noncurrent loans to loans | 1.0092% | 1,584 |
| Net loans and leases to total assets | 69.1957% | 2,595 |
| Net loans and leases to deposits | 93.4735% | 1,273 |
| Net loans and leases to core deposits | 103.6670% | 1,352 |
| Total domestic deposits to total assets | 74.0271% | 4,815 |
| Equity capital to assets | 13.3222% | 1,455 |
| Core capital (leverage) ratio | 12.4601% | 1,594 |
| Tier 1 risk-based capital ratio | 18.0458% | 1,799 |
| Total risk-based capital ratio | 18.9357% | 1,866 |
| Memoranda: | ||
| Average total assets | $525,746,000 | 1,364 |
| Average earning assets | $491,037,250 | 1,354 |
| Average equity | $70,759,250 | 1,209 |
| Average total loans | $374,855,000 | 1,348 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9088% | 4,538 |
| Cost of funding earning assets | 0.8391% | 2,454 |
| Net interest margin | 3.0697% | 4,587 |
| Noninterest income to average assets | 0.4593% | 2,915 |
| Noninterest expense to average assets | 2.3891% | 3,762 |
| Loan and lease loss provision to assets | 0.0767% | 2,284 |
| Net operating income to assets | 0.7113% | 3,972 |
| Return on assets (ROA) | 0.7024% | 4,052 |
| Pretax return on assets | 0.8470% | 3,981 |
| Return on Equity (ROE) | 5.2009% | 4,294 |
| Retained earnings to average equity (ytd only) | 0.9425% | 4,454 |
| Net charge-offs to loans | 0.0005% | 3,162 |
| Credit loss provision to net charge-offs | 20,000.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 2,437.0000% | 21 |
| Efficiency ratio | 71.8851% | 1,939 |
| Assets per employee ($millions) | 5.3757% | 2,073 |
| Cash dividends to net income (ytd only)* | 81.8777% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8037% | 4,425 |
| Loan loss allowance to noncurrent loans | 71.8171% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 1.0414% | 1,326 |
| Noncurrent loans to loans | 1.1192% | 1,458 |
| Net loans and leases to total assets | 71.0323% | 2,374 |
| Net loans and leases to deposits | 96.5032% | 982 |
| Net loans and leases to core deposits | 105.9769% | 1,246 |
| Total domestic deposits to total assets | 73.6062% | 4,862 |
| Equity capital to assets | 13.2726% | 1,452 |
| Core capital (leverage) ratio | 12.5730% | 1,498 |
| Tier 1 risk-based capital ratio | 17.6940% | 1,883 |
| Total risk-based capital ratio | 18.5335% | 1,956 |
| Memoranda: | ||
| Average total assets | $521,624,670 | 1,376 |
| Average earning assets | $486,694,000 | 1,365 |
| Average equity | $70,449,670 | 1,206 |
| Average total loans | $374,619,670 | 1,351 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8880% | 4,571 |
| Cost of funding earning assets | 0.8142% | 2,453 |
| Net interest margin | 3.0738% | 4,632 |
| Noninterest income to average assets | 0.4718% | 2,725 |
| Noninterest expense to average assets | 2.3597% | 3,875 |
| Loan and lease loss provision to assets | 0.0775% | 2,131 |
| Net operating income to assets | 0.7383% | 3,809 |
| Return on assets (ROA) | 0.7383% | 3,859 |
| Pretax return on assets | 0.8979% | 3,776 |
| Return on Equity (ROE) | 5.4181% | 4,213 |
| Retained earnings to average equity (ytd only) | 5.4181% | 2,726 |
| Net charge-offs to loans | 0.0022% | 2,683 |
| Credit loss provision to net charge-offs | 5,000.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 629.5000% | 112 |
| Efficiency ratio | 70.7549% | 2,233 |
| Assets per employee ($millions) | 5.2380% | 2,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7978% | 4,532 |
| Loan loss allowance to noncurrent loans | 77.5596% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 0.9902% | 1,413 |
| Noncurrent loans to loans | 1.0286% | 1,625 |
| Net loans and leases to total assets | 71.0265% | 2,323 |
| Net loans and leases to deposits | 97.4054% | 852 |
| Net loans and leases to core deposits | 107.0161% | 1,101 |
| Total domestic deposits to total assets | 72.9185% | 5,003 |
| Equity capital to assets | 13.6991% | 1,126 |
| Core capital (leverage) ratio | 12.8883% | 1,327 |
| Tier 1 risk-based capital ratio | 18.2428% | 1,730 |
| Total risk-based capital ratio | 19.0742% | 1,800 |
| Memoranda: | ||
| Average total assets | $516,340,500 | 1,396 |
| Average earning assets | $480,965,500 | 1,389 |
| Average equity | $70,356,500 | 1,203 |
| Average total loans | $371,383,500 | 1,367 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7064% | 4,659 |
| Cost of funding earning assets | 0.7365% | 1,866 |
| Net interest margin | 2.9699% | 4,831 |
| Noninterest income to average assets | 0.5003% | 2,835 |
| Noninterest expense to average assets | 2.3450% | 4,009 |
| Loan and lease loss provision to assets | -0.1060% | 5,276 |
| Net operating income to assets | 0.8169% | 3,740 |
| Return on assets (ROA) | 0.8163% | 3,745 |
| Pretax return on assets | 1.0171% | 3,548 |
| Return on Equity (ROE) | 6.0800% | 4,147 |
| Retained earnings to average equity (ytd only) | 1.7720% | 4,441 |
| Net charge-offs to loans | -0.1267% | 5,195 |
| Credit loss provision to net charge-offs | 122.4944% | 2,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0019% | 1,897 |
| Assets per employee ($millions) | 5.1412% | 2,336 |
| Cash dividends to net income (ytd only)* | 70.8550% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7709% | 4,624 |
| Loan loss allowance to noncurrent loans | 73.1732% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 1.0149% | 1,348 |
| Noncurrent loans to loans | 1.0536% | 1,548 |
| Net loans and leases to total assets | 71.7002% | 2,311 |
| Net loans and leases to deposits | 98.7932% | 828 |
| Net loans and leases to core deposits | 106.3389% | 1,246 |
| Total domestic deposits to total assets | 72.5761% | 5,039 |
| Equity capital to assets | 13.5523% | 1,120 |
| Core capital (leverage) ratio | 12.7543% | 1,340 |
| Tier 1 risk-based capital ratio | 18.0067% | 1,754 |
| Total risk-based capital ratio | 18.8120% | 1,842 |
| Memoranda: | ||
| Average total assets | $518,710,000 | 1,358 |
| Average earning assets | $481,469,200 | 1,360 |
| Average equity | $69,637,600 | 1,164 |
| Average total loans | $354,428,000 | 1,386 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6581% | 4,713 |
| Cost of funding earning assets | 0.7234% | 1,732 |
| Net interest margin | 2.9347% | 4,928 |
| Noninterest income to average assets | 0.4840% | 2,956 |
| Noninterest expense to average assets | 2.3416% | 3,991 |
| Loan and lease loss provision to assets | -0.1411% | 5,377 |
| Net operating income to assets | 0.7987% | 3,904 |
| Return on assets (ROA) | 0.7987% | 3,913 |
| Pretax return on assets | 1.0074% | 3,701 |
| Return on Equity (ROE) | 5.9630% | 4,276 |
| Retained earnings to average equity (ytd only) | 3.0906% | 4,201 |
| Net charge-offs to loans | -0.1870% | 5,290 |
| Credit loss provision to net charge-offs | 112.0163% | 2,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9933% | 1,731 |
| Assets per employee ($millions) | 5.1724% | 2,248 |
| Cash dividends to net income (ytd only)* | 48.1695% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8281% | 4,528 |
| Loan loss allowance to noncurrent loans | 71.8773% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 1.0526% | 1,377 |
| Noncurrent loans to loans | 1.1521% | 1,469 |
| Net loans and leases to total assets | 67.9632% | 2,947 |
| Net loans and leases to deposits | 93.5063% | 1,431 |
| Net loans and leases to core deposits | 100.7480% | 1,718 |
| Total domestic deposits to total assets | 72.6831% | 5,082 |
| Equity capital to assets | 13.7520% | 1,040 |
| Core capital (leverage) ratio | 12.7195% | 1,406 |
| Tier 1 risk-based capital ratio | 18.8793% | 1,563 |
| Total risk-based capital ratio | 19.7425% | 1,631 |
| Memoranda: | ||
| Average total assets | $519,857,250 | 1,356 |
| Average earning assets | $482,528,750 | 1,365 |
| Average equity | $69,628,250 | 1,161 |
| Average total loans | $350,162,500 | 1,404 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6224% | 4,729 |
| Cost of funding earning assets | 0.7058% | 1,587 |
| Net interest margin | 2.9166% | 4,991 |
| Noninterest income to average assets | 0.5072% | 2,818 |
| Noninterest expense to average assets | 2.3378% | 4,054 |
| Loan and lease loss provision to assets | 0.0191% | 3,518 |
| Net operating income to assets | 0.6623% | 4,311 |
| Return on assets (ROA) | 0.6623% | 4,316 |
| Pretax return on assets | 0.8567% | 4,086 |
| Return on Equity (ROE) | 4.9882% | 4,546 |
| Retained earnings to average equity (ytd only) | 0.6632% | 4,832 |
| Net charge-offs to loans | 0.0412% | 2,038 |
| Credit loss provision to net charge-offs | 69.4444% | 2,355 |
| Earnings coverage of net charge-offs (x) | 31.7778% | 1,447 |
| Efficiency ratio | 72.7457% | 1,878 |
| Assets per employee ($millions) | 5.3981% | 1,998 |
| Cash dividends to net income (ytd only)* | 86.7052% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8285% | 4,612 |
| Loan loss allowance to noncurrent loans | 65.9865% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 1.1283% | 1,298 |
| Noncurrent loans to loans | 1.2555% | 1,366 |
| Net loans and leases to total assets | 67.9803% | 2,873 |
| Net loans and leases to deposits | 93.0673% | 1,463 |
| Net loans and leases to core deposits | 100.1387% | 1,728 |
| Total domestic deposits to total assets | 73.0443% | 5,116 |
| Equity capital to assets | 13.3408% | 1,167 |
| Core capital (leverage) ratio | 12.1639% | 1,610 |
| Tier 1 risk-based capital ratio | 18.1880% | 1,753 |
| Total risk-based capital ratio | 19.0516% | 1,821 |
| Memoranda: | ||
| Average total assets | $522,452,670 | 1,354 |
| Average earning assets | $484,813,670 | 1,358 |
| Average equity | $69,364,330 | 1,170 |
| Average total loans | $349,908,000 | 1,404 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5094% | 4,865 |
| Cost of funding earning assets | 0.6881% | 1,507 |
| Net interest margin | 2.8213% | 5,134 |
| Noninterest income to average assets | 0.5353% | 2,610 |
| Noninterest expense to average assets | 2.2190% | 4,370 |
| Loan and lease loss provision to assets | 0.0381% | 2,987 |
| Net operating income to assets | 0.7229% | 4,015 |
| Return on assets (ROA) | 0.7229% | 4,021 |
| Pretax return on assets | 0.8983% | 3,856 |
| Return on Equity (ROE) | 5.4577% | 4,330 |
| Retained earnings to average equity (ytd only) | 5.4577% | 2,970 |
| Net charge-offs to loans | 0.0875% | 1,282 |
| Credit loss provision to net charge-offs | 65.7895% | 1,863 |
| Earnings coverage of net charge-offs (x) | 16.1579% | 1,636 |
| Efficiency ratio | 70.3238% | 2,436 |
| Assets per employee ($millions) | 5.3401% | 2,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8345% | 4,687 |
| Loan loss allowance to noncurrent loans | 67.1158% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 1.1020% | 1,408 |
| Noncurrent loans to loans | 1.2434% | 1,462 |
| Net loans and leases to total assets | 66.7358% | 2,933 |
| Net loans and leases to deposits | 93.1348% | 1,316 |
| Net loans and leases to core deposits | 98.9001% | 1,776 |
| Total domestic deposits to total assets | 71.6550% | 5,304 |
| Equity capital to assets | 13.3501% | 1,090 |
| Core capital (leverage) ratio | 12.3214% | 1,467 |
| Tier 1 risk-based capital ratio | 18.3413% | 1,733 |
| Total risk-based capital ratio | 19.2024% | 1,797 |
| Memoranda: | ||
| Average total assets | $524,571,000 | 1,361 |
| Average earning assets | $487,146,000 | 1,361 |
| Average equity | $69,479,500 | 1,178 |
| Average total loans | $347,248,000 | 1,415 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3999% | 4,939 |
| Cost of funding earning assets | 0.6991% | 1,026 |
| Net interest margin | 2.7008% | 5,277 |
| Noninterest income to average assets | 0.5334% | 2,801 |
| Noninterest expense to average assets | 2.2445% | 4,448 |
| Loan and lease loss provision to assets | 0.0558% | 3,115 |
| Net operating income to assets | 0.5026% | 4,371 |
| Return on assets (ROA) | 0.5026% | 4,406 |
| Pretax return on assets | 0.7338% | 4,432 |
| Return on Equity (ROE) | 3.7605% | 4,579 |
| Retained earnings to average equity (ytd only) | 2.0148% | 4,109 |
| Net charge-offs to loans | -0.0089% | 4,756 |
| Credit loss provision to net charge-offs | -1,025.0000% | 5,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9746% | 1,895 |
| Assets per employee ($millions) | 5.3654% | 2,092 |
| Cash dividends to net income (ytd only)* | 46.4217% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8662% | 4,605 |
| Loan loss allowance to noncurrent loans | 64.0112% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 1.1301% | 1,322 |
| Noncurrent loans to loans | 1.3532% | 1,293 |
| Net loans and leases to total assets | 64.5371% | 3,296 |
| Net loans and leases to deposits | 92.4472% | 1,461 |
| Net loans and leases to core deposits | 97.5440% | 1,895 |
| Total domestic deposits to total assets | 69.8097% | 5,412 |
| Equity capital to assets | 13.1405% | 1,197 |
| Core capital (leverage) ratio | 12.0990% | 1,553 |
| Tier 1 risk-based capital ratio | 18.5109% | 1,649 |
| Total risk-based capital ratio | 19.4022% | 1,716 |
| Memoranda: | ||
| Average total assets | $514,280,000 | 1,359 |
| Average earning assets | $476,194,600 | 1,363 |
| Average equity | $68,740,000 | 1,160 |
| Average total loans | $314,582,000 | 1,506 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3574% | 5,027 |
| Cost of funding earning assets | 0.7003% | 964 |
| Net interest margin | 2.6571% | 5,365 |
| Noninterest income to average assets | 0.5011% | 3,023 |
| Noninterest expense to average assets | 2.2375% | 4,451 |
| Loan and lease loss provision to assets | 0.0748% | 2,575 |
| Net operating income to assets | 0.4643% | 4,838 |
| Return on assets (ROA) | 0.4641% | 4,870 |
| Pretax return on assets | 0.6476% | 4,734 |
| Return on Equity (ROE) | 3.4570% | 4,995 |
| Retained earnings to average equity (ytd only) | 3.4570% | 3,870 |
| Net charge-offs to loans | -0.0100% | 4,636 |
| Credit loss provision to net charge-offs | -1,247.8261% | 4,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5857% | 1,651 |
| Assets per employee ($millions) | 5.1039% | 2,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8849% | 4,627 |
| Loan loss allowance to noncurrent loans | 69.2398% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 1.1168% | 1,486 |
| Noncurrent loans to loans | 1.2780% | 1,501 |
| Net loans and leases to total assets | 63.6859% | 3,453 |
| Net loans and leases to deposits | 90.2919% | 1,778 |
| Net loans and leases to core deposits | 95.3980% | 2,135 |
| Total domestic deposits to total assets | 70.5333% | 5,460 |
| Equity capital to assets | 13.3803% | 1,213 |
| Core capital (leverage) ratio | 12.4382% | 1,441 |
| Tier 1 risk-based capital ratio | 18.9388% | 1,600 |
| Total risk-based capital ratio | 19.8323% | 1,656 |
| Memoranda: | ||
| Average total assets | $511,397,250 | 1,381 |
| Average earning assets | $473,285,000 | 1,387 |
| Average equity | $68,651,500 | 1,168 |
| Average total loans | $307,650,500 | 1,544 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3121% | 5,087 |
| Cost of funding earning assets | 0.6988% | 901 |
| Net interest margin | 2.6132% | 5,428 |
| Noninterest income to average assets | 0.5489% | 2,724 |
| Noninterest expense to average assets | 2.2531% | 4,454 |
| Loan and lease loss provision to assets | 0.0441% | 3,111 |
| Net operating income to assets | 0.4781% | 4,763 |
| Return on assets (ROA) | 0.4781% | 4,796 |
| Pretax return on assets | 0.6677% | 4,636 |
| Return on Equity (ROE) | 3.5570% | 4,961 |
| Retained earnings to average equity (ytd only) | 3.5570% | 3,590 |
| Net charge-offs to loans | -0.0121% | 4,599 |
| Credit loss provision to net charge-offs | -622.2222% | 4,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9920% | 1,718 |
| Assets per employee ($millions) | 5.1953% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8894% | 4,682 |
| Loan loss allowance to noncurrent loans | 62.3598% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 1.2194% | 1,392 |
| Noncurrent loans to loans | 1.4262% | 1,335 |
| Net loans and leases to total assets | 60.2317% | 3,823 |
| Net loans and leases to deposits | 83.7268% | 2,518 |
| Net loans and leases to core deposits | 87.9574% | 2,702 |
| Total domestic deposits to total assets | 71.9384% | 5,458 |
| Equity capital to assets | 13.4225% | 1,178 |
| Core capital (leverage) ratio | 12.6549% | 1,314 |
| Tier 1 risk-based capital ratio | 19.4076% | 1,495 |
| Total risk-based capital ratio | 20.2729% | 1,536 |
| Memoranda: | ||
| Average total assets | $508,287,670 | 1,396 |
| Average earning assets | $469,915,330 | 1,403 |
| Average equity | $68,316,000 | 1,175 |
| Average total loans | $298,697,330 | 1,584 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2683% | 5,152 |
| Cost of funding earning assets | 0.7113% | 795 |
| Net interest margin | 2.5571% | 5,499 |
| Noninterest income to average assets | 0.5209% | 2,833 |
| Noninterest expense to average assets | 2.1597% | 4,740 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5170% | 4,528 |
| Return on assets (ROA) | 0.5170% | 4,559 |
| Pretax return on assets | 0.7236% | 4,372 |
| Return on Equity (ROE) | 3.8437% | 4,836 |
| Retained earnings to average equity (ytd only) | 3.8437% | 3,533 |
| Net charge-offs to loans | -0.0151% | 4,596 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9039% | 2,083 |
| Assets per employee ($millions) | 4.9567% | 2,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9023% | 4,749 |
| Loan loss allowance to noncurrent loans | 59.3576% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 1.2187% | 1,434 |
| Noncurrent loans to loans | 1.5201% | 1,305 |
| Net loans and leases to total assets | 58.3761% | 3,939 |
| Net loans and leases to deposits | 80.4423% | 2,693 |
| Net loans and leases to core deposits | 84.7461% | 2,831 |
| Total domestic deposits to total assets | 72.5689% | 5,514 |
| Equity capital to assets | 13.6389% | 1,025 |
| Core capital (leverage) ratio | 12.3081% | 1,440 |
| Tier 1 risk-based capital ratio | 19.3531% | 1,526 |
| Total risk-based capital ratio | 20.2012% | 1,587 |
| Memoranda: | ||
| Average total assets | $505,263,000 | 1,407 |
| Average earning assets | $466,783,000 | 1,416 |
| Average equity | $67,955,500 | 1,175 |
| Average total loans | $291,759,000 | 1,623 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1318% | 5,372 |
| Cost of funding earning assets | 0.7239% | 726 |
| Net interest margin | 2.4079% | 5,640 |
| Noninterest income to average assets | 0.5458% | 2,941 |
| Noninterest expense to average assets | 2.2281% | 4,704 |
| Loan and lease loss provision to assets | 0.0978% | 2,417 |
| Net operating income to assets | 0.3213% | 5,166 |
| Return on assets (ROA) | 0.3148% | 5,254 |
| Pretax return on assets | 0.4395% | 5,140 |
| Return on Equity (ROE) | 2.4745% | 5,294 |
| Retained earnings to average equity (ytd only) | 2.4745% | 4,108 |
| Net charge-offs to loans | 0.0552% | 2,938 |
| Credit loss provision to net charge-offs | 344.6809% | 886 |
| Earnings coverage of net charge-offs (x) | 19.2553% | 1,921 |
| Efficiency ratio | 80.3061% | 1,383 |
| Assets per employee ($millions) | 4.9990% | 2,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9182% | 4,705 |
| Loan loss allowance to noncurrent loans | 60.9896% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 1.2346% | 1,455 |
| Noncurrent loans to loans | 1.5055% | 1,328 |
| Net loans and leases to total assets | 56.0818% | 4,259 |
| Net loans and leases to deposits | 77.2391% | 3,183 |
| Net loans and leases to core deposits | 81.1916% | 3,294 |
| Total domestic deposits to total assets | 72.6081% | 5,521 |
| Equity capital to assets | 13.2636% | 1,148 |
| Core capital (leverage) ratio | 12.2512% | 1,454 |
| Tier 1 risk-based capital ratio | 19.4450% | 1,494 |
| Total risk-based capital ratio | 20.3043% | 1,547 |
| Memoranda: | ||
| Average total assets | $496,881,400 | 1,389 |
| Average earning assets | $459,893,400 | 1,385 |
| Average equity | $63,205,200 | 1,239 |
| Average total loans | $255,648,600 | 1,763 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1047% | 5,467 |
| Cost of funding earning assets | 0.7259% | 715 |
| Net interest margin | 2.3788% | 5,731 |
| Noninterest income to average assets | 0.4359% | 3,655 |
| Noninterest expense to average assets | 2.2200% | 4,720 |
| Loan and lease loss provision to assets | 0.0729% | 2,754 |
| Net operating income to assets | 0.2481% | 5,392 |
| Return on assets (ROA) | 0.2393% | 5,473 |
| Pretax return on assets | 0.3341% | 5,402 |
| Return on Equity (ROE) | 1.9023% | 5,487 |
| Retained earnings to average equity (ytd only) | 1.9023% | 4,730 |
| Net charge-offs to loans | 0.0808% | 2,166 |
| Credit loss provision to net charge-offs | 180.0000% | 1,556 |
| Earnings coverage of net charge-offs (x) | 10.3464% | 2,579 |
| Efficiency ratio | 84.1163% | 991 |
| Assets per employee ($millions) | 4.7674% | 2,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9380% | 4,716 |
| Loan loss allowance to noncurrent loans | 58.9021% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 1.2178% | 1,630 |
| Noncurrent loans to loans | 1.5925% | 1,355 |
| Net loans and leases to total assets | 51.6513% | 4,680 |
| Net loans and leases to deposits | 70.4681% | 3,941 |
| Net loans and leases to core deposits | 74.2686% | 3,976 |
| Total domestic deposits to total assets | 73.2975% | 5,495 |
| Equity capital to assets | 13.5558% | 1,221 |
| Core capital (leverage) ratio | 12.2443% | 1,519 |
| Tier 1 risk-based capital ratio | 20.8660% | 1,296 |
| Total risk-based capital ratio | 21.7179% | 1,326 |
| Memoranda: | ||
| Average total assets | $493,627,250 | 1,401 |
| Average earning assets | $457,190,750 | 1,402 |
| Average equity | $62,098,750 | 1,267 |
| Average total loans | $247,408,250 | 1,810 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0599% | 5,587 |
| Cost of funding earning assets | 0.7231% | 709 |
| Net interest margin | 2.3368% | 5,842 |
| Noninterest income to average assets | 0.3997% | 3,871 |
| Noninterest expense to average assets | 2.2451% | 4,740 |
| Loan and lease loss provision to assets | 0.0203% | 3,735 |
| Net operating income to assets | 0.2061% | 5,510 |
| Return on assets (ROA) | 0.1935% | 5,590 |
| Pretax return on assets | 0.2824% | 5,523 |
| Return on Equity (ROE) | 1.5796% | 5,595 |
| Retained earnings to average equity (ytd only) | 1.5796% | 4,746 |
| Net charge-offs to loans | 0.0427% | 2,613 |
| Credit loss provision to net charge-offs | 96.1538% | 2,172 |
| Earnings coverage of net charge-offs (x) | 15.2115% | 2,007 |
| Efficiency ratio | 87.4921% | 752 |
| Assets per employee ($millions) | 4.8228% | 2,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9080% | 4,932 |
| Loan loss allowance to noncurrent loans | 53.7456% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 1.2565% | 1,627 |
| Noncurrent loans to loans | 1.6894% | 1,256 |
| Net loans and leases to total assets | 51.0941% | 4,757 |
| Net loans and leases to deposits | 69.3516% | 4,047 |
| Net loans and leases to core deposits | 73.1006% | 4,071 |
| Total domestic deposits to total assets | 73.6740% | 5,553 |
| Equity capital to assets | 13.5484% | 1,209 |
| Core capital (leverage) ratio | 12.2345% | 1,502 |
| Tier 1 risk-based capital ratio | 20.9531% | 1,276 |
| Total risk-based capital ratio | 21.7696% | 1,324 |
| Memoranda: | ||
| Average total assets | $492,899,330 | 1,406 |
| Average earning assets | $456,940,670 | 1,402 |
| Average equity | $60,394,670 | 1,292 |
| Average total loans | $243,705,000 | 1,836 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0317% | 5,665 |
| Cost of funding earning assets | 0.7240% | 719 |
| Net interest margin | 2.3076% | 5,928 |
| Noninterest income to average assets | 0.4467% | 3,512 |
| Noninterest expense to average assets | 2.2165% | 4,868 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2799% | 5,357 |
| Return on assets (ROA) | 0.2521% | 5,502 |
| Pretax return on assets | 0.3332% | 5,445 |
| Return on Equity (ROE) | 2.1722% | 5,465 |
| Retained earnings to average equity (ytd only) | 2.1722% | 4,390 |
| Net charge-offs to loans | 0.0385% | 2,223 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 19.8261% | 1,492 |
| Efficiency ratio | 85.7053% | 1,001 |
| Assets per employee ($millions) | 4.7728% | 2,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9491% | 4,852 |
| Loan loss allowance to noncurrent loans | 53.4677% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 1.2890% | 1,672 |
| Noncurrent loans to loans | 1.7752% | 1,247 |
| Net loans and leases to total assets | 48.9178% | 4,898 |
| Net loans and leases to deposits | 66.2866% | 4,228 |
| Net loans and leases to core deposits | 69.7913% | 4,256 |
| Total domestic deposits to total assets | 73.7974% | 5,625 |
| Equity capital to assets | 13.5786% | 1,144 |
| Core capital (leverage) ratio | 12.1854% | 1,504 |
| Tier 1 risk-based capital ratio | 20.8783% | 1,334 |
| Total risk-based capital ratio | 21.6875% | 1,390 |
| Memoranda: | ||
| Average total assets | $493,387,000 | 1,399 |
| Average earning assets | $457,438,500 | 1,397 |
| Average equity | $57,268,000 | 1,354 |
| Average total loans | $238,734,000 | 1,867 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0596% | 5,680 |
| Cost of funding earning assets | 0.7736% | 564 |
| Net interest margin | 2.2860% | 5,952 |
| Noninterest income to average assets | 0.5618% | 2,957 |
| Noninterest expense to average assets | 2.2895% | 4,820 |
| Loan and lease loss provision to assets | 0.2250% | 907 |
| Net operating income to assets | 0.1448% | 5,689 |
| Return on assets (ROA) | 0.1371% | 5,752 |
| Pretax return on assets | 0.1453% | 5,759 |
| Return on Equity (ROE) | 1.3657% | 5,710 |
| Retained earnings to average equity (ytd only) | 1.3657% | 4,950 |
| Net charge-offs to loans | 0.3895% | 735 |
| Credit loss provision to net charge-offs | 120.1784% | 2,145 |
| Earnings coverage of net charge-offs (x) | 2.0212% | 3,990 |
| Efficiency ratio | 85.6137% | 1,026 |
| Assets per employee ($millions) | 4.9015% | 2,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 4,749 |
| Loan loss allowance to noncurrent loans | 51.9144% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 1.1719% | 1,857 |
| Noncurrent loans to loans | 1.8731% | 1,145 |
| Net loans and leases to total assets | 46.9522% | 5,094 |
| Net loans and leases to deposits | 60.1299% | 4,767 |
| Net loans and leases to core deposits | 63.6359% | 4,757 |
| Total domestic deposits to total assets | 78.0846% | 5,147 |
| Equity capital to assets | 9.6874% | 4,321 |
| Core capital (leverage) ratio | 8.8731% | 5,035 |
| Tier 1 risk-based capital ratio | 14.8481% | 3,245 |
| Total risk-based capital ratio | 15.6778% | 3,392 |
| Memoranda: | ||
| Average total assets | $479,134,400 | 1,413 |
| Average earning assets | $441,432,400 | 1,406 |
| Average equity | $48,106,000 | 1,547 |
| Average total loans | $230,303,600 | 1,858 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0741% | 5,733 |
| Cost of funding earning assets | 0.7913% | 521 |
| Net interest margin | 2.2828% | 6,043 |
| Noninterest income to average assets | 0.5162% | 3,252 |
| Noninterest expense to average assets | 2.3046% | 4,767 |
| Loan and lease loss provision to assets | 0.1111% | 2,030 |
| Net operating income to assets | 0.1757% | 5,719 |
| Return on assets (ROA) | 0.1668% | 5,798 |
| Pretax return on assets | 0.1899% | 5,806 |
| Return on Equity (ROE) | 1.6463% | 5,745 |
| Retained earnings to average equity (ytd only) | 1.6463% | 5,044 |
| Net charge-offs to loans | 0.2391% | 1,094 |
| Credit loss provision to net charge-offs | 96.3415% | 2,361 |
| Earnings coverage of net charge-offs (x) | 2.6976% | 3,619 |
| Efficiency ratio | 87.8361% | 852 |
| Assets per employee ($millions) | 4.5385% | 2,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9153% | 5,144 |
| Loan loss allowance to noncurrent loans | 37.9112% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 1.6386% | 1,345 |
| Noncurrent loans to loans | 2.4142% | 855 |
| Net loans and leases to total assets | 48.8420% | 5,025 |
| Net loans and leases to deposits | 64.4447% | 4,520 |
| Net loans and leases to core deposits | 68.9364% | 4,463 |
| Total domestic deposits to total assets | 75.7890% | 5,521 |
| Equity capital to assets | 10.3895% | 3,719 |
| Core capital (leverage) ratio | 8.9188% | 5,093 |
| Tier 1 risk-based capital ratio | 14.7542% | 3,412 |
| Total risk-based capital ratio | 15.5103% | 3,626 |
| Memoranda: | ||
| Average total assets | $473,930,750 | 1,429 |
| Average earning assets | $435,895,500 | 1,429 |
| Average equity | $48,024,500 | 1,557 |
| Average total loans | $228,619,000 | 1,883 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0437% | 5,810 |
| Cost of funding earning assets | 0.8010% | 499 |
| Net interest margin | 2.2427% | 6,127 |
| Noninterest income to average assets | 0.5007% | 3,371 |
| Noninterest expense to average assets | 2.3277% | 4,776 |
| Loan and lease loss provision to assets | 0.1953% | 1,016 |
| Net operating income to assets | 0.0664% | 5,914 |
| Return on assets (ROA) | 0.0664% | 5,957 |
| Pretax return on assets | 0.0395% | 5,987 |
| Return on Equity (ROE) | 0.6605% | 5,945 |
| Retained earnings to average equity (ytd only) | 0.6605% | 5,301 |
| Net charge-offs to loans | 0.3631% | 716 |
| Credit loss provision to net charge-offs | 112.3188% | 1,900 |
| Earnings coverage of net charge-offs (x) | 1.3502% | 3,534 |
| Efficiency ratio | 90.5410% | 711 |
| Assets per employee ($millions) | 4.6309% | 2,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 5,056 |
| Loan loss allowance to noncurrent loans | 38.4004% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 1.8670% | 1,224 |
| Noncurrent loans to loans | 2.5037% | 890 |
| Net loans and leases to total assets | 47.4322% | 5,152 |
| Net loans and leases to deposits | 62.1153% | 4,695 |
| Net loans and leases to core deposits | 66.4106% | 4,618 |
| Total domestic deposits to total assets | 76.3616% | 5,551 |
| Equity capital to assets | 10.1772% | 3,829 |
| Core capital (leverage) ratio | 8.7024% | 5,321 |
| Tier 1 risk-based capital ratio | 14.4084% | 3,691 |
| Total risk-based capital ratio | 15.1767% | 3,903 |
| Memoranda: | ||
| Average total assets | $476,087,000 | 1,431 |
| Average earning assets | $437,688,000 | 1,433 |
| Average equity | $47,843,670 | 1,568 |
| Average total loans | $228,016,330 | 1,899 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0343% | 5,861 |
| Cost of funding earning assets | 0.8204% | 446 |
| Net interest margin | 2.2138% | 6,202 |
| Noninterest income to average assets | 0.4302% | 3,763 |
| Noninterest expense to average assets | 2.3257% | 4,807 |
| Loan and lease loss provision to assets | 0.4854% | 219 |
| Net operating income to assets | -0.2377% | 6,166 |
| Return on assets (ROA) | -0.2377% | 6,187 |
| Pretax return on assets | -0.3440% | 6,204 |
| Return on Equity (ROE) | -2.3801% | 6,189 |
| Retained earnings to average equity (ytd only) | -2.3801% | 5,730 |
| Net charge-offs to loans | 0.8038% | 292 |
| Credit loss provision to net charge-offs | 126.0870% | 1,399 |
| Earnings coverage of net charge-offs (x) | 0.3674% | 3,066 |
| Efficiency ratio | 93.9620% | 597 |
| Assets per employee ($millions) | 4.6678% | 2,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9847% | 5,113 |
| Loan loss allowance to noncurrent loans | 37.4312% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 1.9119% | 1,269 |
| Noncurrent loans to loans | 2.6306% | 907 |
| Net loans and leases to total assets | 46.9334% | 5,126 |
| Net loans and leases to deposits | 62.8338% | 4,496 |
| Net loans and leases to core deposits | 67.2793% | 4,405 |
| Total domestic deposits to total assets | 74.6945% | 5,857 |
| Equity capital to assets | 9.9166% | 4,238 |
| Core capital (leverage) ratio | 8.6316% | 5,392 |
| Tier 1 risk-based capital ratio | 13.5919% | 4,280 |
| Total risk-based capital ratio | 14.3477% | 4,475 |
| Memoranda: | ||
| Average total assets | $477,955,500 | 1,434 |
| Average earning assets | $439,778,000 | 1,431 |
| Average equity | $47,729,500 | 1,577 |
| Average total loans | $228,914,000 | 1,881 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2813% | 5,729 |
| Cost of funding earning assets | 0.9111% | 365 |
| Net interest margin | 2.3701% | 6,239 |
| Noninterest income to average assets | 0.4969% | 3,536 |
| Noninterest expense to average assets | 2.3516% | 4,973 |
| Loan and lease loss provision to assets | 0.0184% | 4,244 |
| Net operating income to assets | 0.2532% | 5,649 |
| Return on assets (ROA) | 0.2247% | 5,781 |
| Pretax return on assets | 0.2670% | 5,761 |
| Return on Equity (ROE) | 2.2037% | 5,720 |
| Retained earnings to average equity (ytd only) | 2.2037% | 4,678 |
| Net charge-offs to loans | 0.2463% | 1,739 |
| Credit loss provision to net charge-offs | 14.9123% | 4,041 |
| Earnings coverage of net charge-offs (x) | 2.5930% | 4,111 |
| Efficiency ratio | 87.6395% | 1,024 |
| Assets per employee ($millions) | 4.6128% | 2,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9237% | 5,392 |
| Loan loss allowance to noncurrent loans | 31.8632% | 5,605 |
| Noncurrent assets plus other real estate owned to assets | 2.0759% | 1,202 |
| Noncurrent loans to loans | 2.8991% | 790 |
| Net loans and leases to total assets | 47.9476% | 5,161 |
| Net loans and leases to deposits | 65.0074% | 4,428 |
| Net loans and leases to core deposits | 69.5399% | 4,364 |
| Total domestic deposits to total assets | 73.7571% | 5,964 |
| Equity capital to assets | 10.0566% | 4,036 |
| Core capital (leverage) ratio | 8.6687% | 5,369 |
| Tier 1 risk-based capital ratio | 17.8229% | 2,194 |
| Total risk-based capital ratio | 18.7659% | 2,279 |
| Memoranda: | ||
| Average total assets | $462,835,600 | 1,447 |
| Average earning assets | $424,531,000 | 1,444 |
| Average equity | $47,193,800 | 1,529 |
| Average total loans | $231,408,000 | 1,817 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3185% | 5,733 |
| Cost of funding earning assets | 0.9271% | 348 |
| Net interest margin | 2.3913% | 6,304 |
| Noninterest income to average assets | 0.5130% | 3,457 |
| Noninterest expense to average assets | 2.3559% | 4,953 |
| Loan and lease loss provision to assets | 0.0044% | 4,327 |
| Net operating income to assets | 0.2804% | 5,651 |
| Return on assets (ROA) | 0.2558% | 5,786 |
| Pretax return on assets | 0.3146% | 5,750 |
| Return on Equity (ROE) | 2.4996% | 5,705 |
| Retained earnings to average equity (ytd only) | 2.4996% | 4,797 |
| Net charge-offs to loans | 0.1588% | 2,218 |
| Credit loss provision to net charge-offs | 5.4348% | 3,754 |
| Earnings coverage of net charge-offs (x) | 4.3660% | 3,482 |
| Efficiency ratio | 86.6438% | 1,124 |
| Assets per employee ($millions) | 4.5712% | 2,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 5,177 |
| Loan loss allowance to noncurrent loans | 35.6243% | 5,573 |
| Noncurrent assets plus other real estate owned to assets | 1.6961% | 1,779 |
| Noncurrent loans to loans | 2.8302% | 977 |
| Net loans and leases to total assets | 48.9631% | 5,113 |
| Net loans and leases to deposits | 65.6655% | 4,371 |
| Net loans and leases to core deposits | 70.3377% | 4,294 |
| Total domestic deposits to total assets | 74.5644% | 5,961 |
| Equity capital to assets | 10.1576% | 3,985 |
| Core capital (leverage) ratio | 8.6800% | 5,465 |
| Tier 1 risk-based capital ratio | 17.4770% | 2,403 |
| Total risk-based capital ratio | 18.5072% | 2,459 |
| Memoranda: | ||
| Average total assets | $459,763,750 | 1,462 |
| Average earning assets | $421,509,500 | 1,461 |
| Average equity | $47,047,000 | 1,535 |
| Average total loans | $231,776,500 | 1,819 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3442% | 5,722 |
| Cost of funding earning assets | 0.9406% | 330 |
| Net interest margin | 2.4036% | 6,360 |
| Noninterest income to average assets | 0.4916% | 3,538 |
| Noninterest expense to average assets | 2.3860% | 4,920 |
| Loan and lease loss provision to assets | 0.0066% | 4,105 |
| Net operating income to assets | 0.2445% | 5,729 |
| Return on assets (ROA) | 0.2438% | 5,800 |
| Pretax return on assets | 0.2978% | 5,781 |
| Return on Equity (ROE) | 2.3767% | 5,738 |
| Retained earnings to average equity (ytd only) | 2.3767% | 4,694 |
| Net charge-offs to loans | 0.2109% | 1,763 |
| Credit loss provision to net charge-offs | 6.1475% | 3,346 |
| Earnings coverage of net charge-offs (x) | 2.8525% | 3,448 |
| Efficiency ratio | 88.1212% | 1,079 |
| Assets per employee ($millions) | 4.4172% | 3,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 5,250 |
| Loan loss allowance to noncurrent loans | 33.6253% | 5,693 |
| Noncurrent assets plus other real estate owned to assets | 1.8779% | 1,732 |
| Noncurrent loans to loans | 3.0429% | 941 |
| Net loans and leases to total assets | 50.1159% | 4,952 |
| Net loans and leases to deposits | 65.6841% | 4,300 |
| Net loans and leases to core deposits | 70.3141% | 4,233 |
| Total domestic deposits to total assets | 76.2984% | 5,881 |
| Equity capital to assets | 10.3179% | 3,662 |
| Core capital (leverage) ratio | 8.8685% | 5,210 |
| Tier 1 risk-based capital ratio | 17.6245% | 2,373 |
| Total risk-based capital ratio | 18.6799% | 2,414 |
| Memoranda: | ||
| Average total assets | $456,074,330 | 1,470 |
| Average earning assets | $417,376,330 | 1,474 |
| Average equity | $46,787,670 | 1,534 |
| Average total loans | $231,408,000 | 1,815 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3613% | 5,727 |
| Cost of funding earning assets | 0.9456% | 347 |
| Net interest margin | 2.4156% | 6,407 |
| Noninterest income to average assets | 0.3899% | 4,275 |
| Noninterest expense to average assets | 2.3802% | 4,985 |
| Loan and lease loss provision to assets | 0.0132% | 3,656 |
| Net operating income to assets | 0.1813% | 5,850 |
| Return on assets (ROA) | 0.1813% | 5,893 |
| Pretax return on assets | 0.2025% | 5,914 |
| Return on Equity (ROE) | 1.7727% | 5,846 |
| Retained earnings to average equity (ytd only) | 1.7727% | 4,894 |
| Net charge-offs to loans | 0.0191% | 3,203 |
| Credit loss provision to net charge-offs | 136.3636% | 1,328 |
| Earnings coverage of net charge-offs (x) | 22.2727% | 1,259 |
| Efficiency ratio | 91.1495% | 937 |
| Assets per employee ($millions) | 4.5610% | 2,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1299% | 4,988 |
| Loan loss allowance to noncurrent loans | 42.0841% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 1.7290% | 2,040 |
| Noncurrent loans to loans | 2.6848% | 1,258 |
| Net loans and leases to total assets | 50.1319% | 4,897 |
| Net loans and leases to deposits | 66.4999% | 4,027 |
| Net loans and leases to core deposits | 71.1188% | 3,970 |
| Total domestic deposits to total assets | 75.3864% | 6,129 |
| Equity capital to assets | 10.2585% | 3,527 |
| Core capital (leverage) ratio | 8.8032% | 5,263 |
| Tier 1 risk-based capital ratio | 17.3906% | 2,518 |
| Total risk-based capital ratio | 18.5487% | 2,519 |
| Memoranda: | ||
| Average total assets | $454,418,000 | 1,478 |
| Average earning assets | $414,964,000 | 1,494 |
| Average equity | $46,482,000 | 1,542 |
| Average total loans | $230,809,000 | 1,820 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4592% | 5,712 |
| Cost of funding earning assets | 1.0571% | 345 |
| Net interest margin | 2.4021% | 6,443 |
| Noninterest income to average assets | 0.5216% | 3,617 |
| Noninterest expense to average assets | 2.3034% | 5,378 |
| Loan and lease loss provision to assets | 0.0543% | 4,053 |
| Net operating income to assets | 0.2843% | 5,576 |
| Return on assets (ROA) | 0.2723% | 5,697 |
| Pretax return on assets | 0.3435% | 5,618 |
| Return on Equity (ROE) | 2.6516% | 5,629 |
| Retained earnings to average equity (ytd only) | 2.6516% | 4,360 |
| Net charge-offs to loans | 0.2405% | 2,534 |
| Credit loss provision to net charge-offs | 42.9072% | 3,977 |
| Earnings coverage of net charge-offs (x) | 3.2609% | 3,914 |
| Efficiency ratio | 84.1525% | 1,609 |
| Assets per employee ($millions) | 4.4825% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1326% | 4,985 |
| Loan loss allowance to noncurrent loans | 47.7227% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 1.6785% | 2,200 |
| Noncurrent loans to loans | 2.3733% | 1,620 |
| Net loans and leases to total assets | 50.3040% | 5,051 |
| Net loans and leases to deposits | 67.2107% | 4,156 |
| Net loans and leases to core deposits | 72.1044% | 4,053 |
| Total domestic deposits to total assets | 74.8453% | 6,211 |
| Equity capital to assets | 10.1991% | 3,506 |
| Core capital (leverage) ratio | 8.7459% | 5,362 |
| Tier 1 risk-based capital ratio | 17.3850% | 2,459 |
| Total risk-based capital ratio | 18.5577% | 2,464 |
| Memoranda: | ||
| Average total assets | $450,896,400 | 1,472 |
| Average earning assets | $411,973,800 | 1,476 |
| Average equity | $46,311,800 | 1,511 |
| Average total loans | $237,456,200 | 1,749 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4830% | 5,727 |
| Cost of funding earning assets | 1.0808% | 347 |
| Net interest margin | 2.4023% | 6,516 |
| Noninterest income to average assets | 0.5260% | 3,624 |
| Noninterest expense to average assets | 2.2730% | 5,426 |
| Loan and lease loss provision to assets | 0.0666% | 3,724 |
| Net operating income to assets | 0.2994% | 5,615 |
| Return on assets (ROA) | 0.2845% | 5,770 |
| Pretax return on assets | 0.3617% | 5,715 |
| Return on Equity (ROE) | 2.7646% | 5,692 |
| Retained earnings to average equity (ytd only) | 2.7646% | 4,665 |
| Net charge-offs to loans | 0.3272% | 1,906 |
| Credit loss provision to net charge-offs | 38.3305% | 3,743 |
| Earnings coverage of net charge-offs (x) | 2.5741% | 3,978 |
| Efficiency ratio | 82.8727% | 1,721 |
| Assets per employee ($millions) | 4.4628% | 2,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1034% | 5,315 |
| Loan loss allowance to noncurrent loans | 44.1338% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 1.6843% | 2,448 |
| Noncurrent loans to loans | 2.5000% | 1,733 |
| Net loans and leases to total assets | 51.1650% | 4,989 |
| Net loans and leases to deposits | 68.2172% | 4,037 |
| Net loans and leases to core deposits | 73.1179% | 3,958 |
| Total domestic deposits to total assets | 75.0030% | 6,279 |
| Equity capital to assets | 10.2759% | 3,540 |
| Core capital (leverage) ratio | 8.7217% | 5,503 |
| Tier 1 risk-based capital ratio | 17.0570% | 2,686 |
| Total risk-based capital ratio | 18.2026% | 2,691 |
| Memoranda: | ||
| Average total assets | $450,436,750 | 1,482 |
| Average earning assets | $411,430,750 | 1,483 |
| Average equity | $46,346,000 | 1,520 |
| Average total loans | $239,232,000 | 1,729 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5409% | 5,605 |
| Cost of funding earning assets | 1.0996% | 341 |
| Net interest margin | 2.4413% | 6,511 |
| Noninterest income to average assets | 0.5480% | 3,514 |
| Noninterest expense to average assets | 2.2530% | 5,493 |
| Loan and lease loss provision to assets | 0.0910% | 3,269 |
| Net operating income to assets | 0.3301% | 5,486 |
| Return on assets (ROA) | 0.3095% | 5,722 |
| Pretax return on assets | 0.4073% | 5,626 |
| Return on Equity (ROE) | 3.0072% | 5,621 |
| Retained earnings to average equity (ytd only) | 3.0072% | 4,407 |
| Net charge-offs to loans | 0.3706% | 1,720 |
| Credit loss provision to net charge-offs | 45.8613% | 3,294 |
| Earnings coverage of net charge-offs (x) | 2.6465% | 3,638 |
| Efficiency ratio | 80.3549% | 2,109 |
| Assets per employee ($millions) | 4.3957% | 2,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1416% | 5,274 |
| Loan loss allowance to noncurrent loans | 42.4028% | 5,523 |
| Noncurrent assets plus other real estate owned to assets | 1.7705% | 2,459 |
| Noncurrent loans to loans | 2.6922% | 1,694 |
| Net loans and leases to total assets | 51.5085% | 4,928 |
| Net loans and leases to deposits | 67.7176% | 4,055 |
| Net loans and leases to core deposits | 72.6550% | 3,966 |
| Total domestic deposits to total assets | 76.0637% | 6,240 |
| Equity capital to assets | 10.1673% | 3,701 |
| Core capital (leverage) ratio | 8.7009% | 5,421 |
| Tier 1 risk-based capital ratio | 17.0007% | 2,716 |
| Total risk-based capital ratio | 18.1903% | 2,708 |
| Memoranda: | ||
| Average total assets | $450,333,670 | 1,477 |
| Average earning assets | $411,415,330 | 1,482 |
| Average equity | $46,355,330 | 1,524 |
| Average total loans | $241,243,670 | 1,716 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6017% | 5,451 |
| Cost of funding earning assets | 1.1155% | 349 |
| Net interest margin | 2.4862% | 6,524 |
| Noninterest income to average assets | 0.5192% | 3,639 |
| Noninterest expense to average assets | 2.3165% | 5,382 |
| Loan and lease loss provision to assets | 0.1202% | 2,719 |
| Net operating income to assets | 0.2778% | 5,639 |
| Return on assets (ROA) | 0.2520% | 5,838 |
| Pretax return on assets | 0.3224% | 5,800 |
| Return on Equity (ROE) | 2.4335% | 5,801 |
| Retained earnings to average equity (ytd only) | 2.4335% | 4,810 |
| Net charge-offs to loans | 0.2296% | 2,069 |
| Credit loss provision to net charge-offs | 96.4286% | 1,922 |
| Earnings coverage of net charge-offs (x) | 3.8143% | 2,670 |
| Efficiency ratio | 82.2329% | 2,014 |
| Assets per employee ($millions) | 4.4536% | 3,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 5,137 |
| Loan loss allowance to noncurrent loans | 36.2220% | 5,769 |
| Noncurrent assets plus other real estate owned to assets | 2.1001% | 2,233 |
| Noncurrent loans to loans | 3.3403% | 1,450 |
| Net loans and leases to total assets | 52.6646% | 4,605 |
| Net loans and leases to deposits | 69.7400% | 3,531 |
| Net loans and leases to core deposits | 74.7570% | 3,489 |
| Total domestic deposits to total assets | 75.5157% | 6,413 |
| Equity capital to assets | 10.3790% | 3,697 |
| Core capital (leverage) ratio | 8.4824% | 5,621 |
| Tier 1 risk-based capital ratio | 16.5651% | 2,971 |
| Total risk-based capital ratio | 17.7643% | 2,952 |
| Memoranda: | ||
| Average total assets | $449,122,500 | 1,493 |
| Average earning assets | $410,584,500 | 1,497 |
| Average equity | $46,516,500 | 1,540 |
| Average total loans | $243,915,000 | 1,704 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0445% | 5,169 |
| Cost of funding earning assets | 1.3509% | 305 |
| Net interest margin | 2.6936% | 6,528 |
| Noninterest income to average assets | 0.5680% | 3,458 |
| Noninterest expense to average assets | 2.2607% | 5,787 |
| Loan and lease loss provision to assets | 0.2465% | 2,681 |
| Net operating income to assets | 0.4473% | 4,895 |
| Return on assets (ROA) | 0.2240% | 5,914 |
| Pretax return on assets | 0.2532% | 5,907 |
| Return on Equity (ROE) | 2.2903% | 5,823 |
| Retained earnings to average equity (ytd only) | 2.2903% | 4,625 |
| Net charge-offs to loans | 0.5003% | 2,239 |
| Credit loss provision to net charge-offs | 88.4219% | 3,538 |
| Earnings coverage of net charge-offs (x) | 2.7026% | 4,080 |
| Efficiency ratio | 74.2170% | 3,036 |
| Assets per employee ($millions) | 4.3105% | 3,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 5,136 |
| Loan loss allowance to noncurrent loans | 37.0207% | 5,772 |
| Noncurrent assets plus other real estate owned to assets | 2.1361% | 2,290 |
| Noncurrent loans to loans | 3.2272% | 1,600 |
| Net loans and leases to total assets | 54.6709% | 4,517 |
| Net loans and leases to deposits | 72.3754% | 3,350 |
| Net loans and leases to core deposits | 77.5777% | 3,320 |
| Total domestic deposits to total assets | 75.5380% | 6,409 |
| Equity capital to assets | 10.3349% | 3,711 |
| Core capital (leverage) ratio | 8.5972% | 5,465 |
| Tier 1 risk-based capital ratio | 16.4368% | 2,923 |
| Total risk-based capital ratio | 17.6344% | 2,906 |
| Memoranda: | ||
| Average total assets | $452,287,800 | 1,460 |
| Average earning assets | $410,757,000 | 1,467 |
| Average equity | $44,230,800 | 1,579 |
| Average total loans | $252,048,200 | 1,637 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1067% | 5,164 |
| Cost of funding earning assets | 1.3846% | 311 |
| Net interest margin | 2.7221% | 6,615 |
| Noninterest income to average assets | 0.5505% | 3,608 |
| Noninterest expense to average assets | 2.2222% | 5,904 |
| Loan and lease loss provision to assets | 0.2348% | 2,697 |
| Net operating income to assets | 0.5085% | 4,814 |
| Return on assets (ROA) | 0.2333% | 6,011 |
| Pretax return on assets | 0.2579% | 6,025 |
| Return on Equity (ROE) | 2.4191% | 5,911 |
| Retained earnings to average equity (ytd only) | 2.4191% | 5,125 |
| Net charge-offs to loans | 0.4489% | 2,313 |
| Credit loss provision to net charge-offs | 93.6768% | 3,188 |
| Earnings coverage of net charge-offs (x) | 3.1862% | 3,756 |
| Efficiency ratio | 72.7511% | 3,194 |
| Assets per employee ($millions) | 4.2719% | 3,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 5,248 |
| Loan loss allowance to noncurrent loans | 37.4675% | 5,776 |
| Noncurrent assets plus other real estate owned to assets | 2.2169% | 2,415 |
| Noncurrent loans to loans | 3.2224% | 1,712 |
| Net loans and leases to total assets | 55.2191% | 4,567 |
| Net loans and leases to deposits | 73.1245% | 3,430 |
| Net loans and leases to core deposits | 78.4115% | 3,404 |
| Total domestic deposits to total assets | 75.5138% | 6,453 |
| Equity capital to assets | 10.1869% | 4,224 |
| Core capital (leverage) ratio | 8.4976% | 5,757 |
| Tier 1 risk-based capital ratio | 15.8430% | 3,354 |
| Total risk-based capital ratio | 17.0296% | 3,352 |
| Memoranda: | ||
| Average total assets | $454,364,250 | 1,464 |
| Average earning assets | $412,325,500 | 1,479 |
| Average equity | $43,817,250 | 1,608 |
| Average total loans | $253,644,250 | 1,645 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1635% | 5,072 |
| Cost of funding earning assets | 1.4307% | 313 |
| Net interest margin | 2.7328% | 6,671 |
| Noninterest income to average assets | 0.4988% | 3,929 |
| Noninterest expense to average assets | 2.1999% | 6,011 |
| Loan and lease loss provision to assets | 0.2411% | 2,650 |
| Net operating income to assets | 0.5369% | 4,644 |
| Return on assets (ROA) | 0.1197% | 6,279 |
| Pretax return on assets | 0.1179% | 6,293 |
| Return on Equity (ROE) | 1.2641% | 6,246 |
| Retained earnings to average equity (ytd only) | 1.2641% | 5,568 |
| Net charge-offs to loans | 0.5640% | 1,907 |
| Credit loss provision to net charge-offs | 76.6017% | 3,414 |
| Earnings coverage of net charge-offs (x) | 2.4666% | 3,770 |
| Efficiency ratio | 73.0191% | 3,236 |
| Assets per employee ($millions) | 4.3341% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 5,552 |
| Loan loss allowance to noncurrent loans | 34.7116% | 5,936 |
| Noncurrent assets plus other real estate owned to assets | 2.2352% | 2,506 |
| Noncurrent loans to loans | 3.3267% | 1,749 |
| Net loans and leases to total assets | 55.3185% | 4,575 |
| Net loans and leases to deposits | 72.2900% | 3,569 |
| Net loans and leases to core deposits | 77.5485% | 3,583 |
| Total domestic deposits to total assets | 76.5230% | 6,393 |
| Equity capital to assets | 9.7948% | 4,636 |
| Core capital (leverage) ratio | 8.2389% | 6,000 |
| Tier 1 risk-based capital ratio | 15.1485% | 3,665 |
| Total risk-based capital ratio | 16.3641% | 3,660 |
| Memoranda: | ||
| Average total assets | $456,303,670 | 1,459 |
| Average earning assets | $413,642,330 | 1,470 |
| Average equity | $43,192,000 | 1,617 |
| Average total loans | $254,622,330 | 1,637 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1739% | 5,197 |
| Cost of funding earning assets | 1.5160% | 268 |
| Net interest margin | 2.6578% | 6,826 |
| Noninterest income to average assets | 0.5158% | 3,810 |
| Noninterest expense to average assets | 2.2462% | 5,912 |
| Loan and lease loss provision to assets | 0.1655% | 3,320 |
| Net operating income to assets | 0.3832% | 5,329 |
| Return on assets (ROA) | 0.0653% | 6,424 |
| Pretax return on assets | 0.0880% | 6,400 |
| Return on Equity (ROE) | 0.7024% | 6,404 |
| Retained earnings to average equity (ytd only) | 0.7024% | 5,779 |
| Net charge-offs to loans | 0.3581% | 2,228 |
| Credit loss provision to net charge-offs | 82.9694% | 2,678 |
| Earnings coverage of net charge-offs (x) | 3.4236% | 2,842 |
| Efficiency ratio | 75.7882% | 2,815 |
| Assets per employee ($millions) | 4.3695% | 3,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 5,484 |
| Loan loss allowance to noncurrent loans | 34.4937% | 5,936 |
| Noncurrent assets plus other real estate owned to assets | 2.4379% | 2,424 |
| Noncurrent loans to loans | 3.4808% | 1,798 |
| Net loans and leases to total assets | 55.6194% | 4,454 |
| Net loans and leases to deposits | 73.4053% | 3,214 |
| Net loans and leases to core deposits | 78.7554% | 3,218 |
| Total domestic deposits to total assets | 75.7703% | 6,575 |
| Equity capital to assets | 9.7472% | 4,461 |
| Core capital (leverage) ratio | 8.5636% | 5,491 |
| Tier 1 risk-based capital ratio | 16.9056% | 2,714 |
| Total risk-based capital ratio | 16.8395% | 3,363 |
| Memoranda: | ||
| Average total assets | $459,081,500 | 1,451 |
| Average earning assets | $416,879,000 | 1,465 |
| Average equity | $42,713,000 | 1,628 |
| Average total loans | $255,803,500 | 1,627 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3632% | 5,558 |
| Cost of funding earning assets | 1.8092% | 209 |
| Net interest margin | 2.5540% | 7,027 |
| Noninterest income to average assets | 0.9439% | 1,524 |
| Noninterest expense to average assets | 2.3565% | 5,894 |
| Loan and lease loss provision to assets | 0.2213% | 3,984 |
| Net operating income to assets | 0.4982% | 4,434 |
| Return on assets (ROA) | 0.2983% | 5,415 |
| Pretax return on assets | 0.4133% | 5,249 |
| Return on Equity (ROE) | 3.3469% | 5,140 |
| Retained earnings to average equity (ytd only) | 3.3469% | 3,840 |
| Net charge-offs to loans | 0.2154% | 4,441 |
| Credit loss provision to net charge-offs | 188.9693% | 1,357 |
| Earnings coverage of net charge-offs (x) | 7.7902% | 2,259 |
| Efficiency ratio | 71.1167% | 3,763 |
| Assets per employee ($millions) | 4.5447% | 2,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1907% | 5,438 |
| Loan loss allowance to noncurrent loans | 41.5822% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 2.0397% | 2,909 |
| Noncurrent loans to loans | 2.8636% | 2,282 |
| Net loans and leases to total assets | 54.5114% | 4,947 |
| Net loans and leases to deposits | 75.7907% | 3,208 |
| Net loans and leases to core deposits | 81.9215% | 3,188 |
| Total domestic deposits to total assets | 71.9235% | 6,873 |
| Equity capital to assets | 8.8779% | 5,700 |
| Core capital (leverage) ratio | 8.1591% | 6,061 |
| Tier 1 risk-based capital ratio | 15.3791% | 3,399 |
| Total risk-based capital ratio | 16.6297% | 3,354 |
| Memoranda: | ||
| Average total assets | $472,311,200 | 1,403 |
| Average earning assets | $429,911,800 | 1,407 |
| Average equity | $42,098,800 | 1,598 |
| Average total loans | $256,777,200 | 1,641 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4188% | 5,549 |
| Cost of funding earning assets | 1.8368% | 227 |
| Net interest margin | 2.5820% | 7,084 |
| Noninterest income to average assets | 1.0788% | 1,151 |
| Noninterest expense to average assets | 2.3387% | 5,939 |
| Loan and lease loss provision to assets | 0.2380% | 3,623 |
| Net operating income to assets | 0.6064% | 4,059 |
| Return on assets (ROA) | 0.3870% | 5,239 |
| Pretax return on assets | 0.5450% | 4,993 |
| Return on Equity (ROE) | 4.3376% | 4,846 |
| Retained earnings to average equity (ytd only) | 4.3376% | 3,644 |
| Net charge-offs to loans | 0.2694% | 3,756 |
| Credit loss provision to net charge-offs | 163.1274% | 1,879 |
| Earnings coverage of net charge-offs (x) | 7.4845% | 2,354 |
| Efficiency ratio | 67.2085% | 4,482 |
| Assets per employee ($millions) | 4.3384% | 3,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1444% | 5,710 |
| Loan loss allowance to noncurrent loans | 53.1011% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 1.6986% | 3,543 |
| Noncurrent loans to loans | 2.1551% | 3,171 |
| Net loans and leases to total assets | 53.6686% | 5,217 |
| Net loans and leases to deposits | 75.6076% | 3,387 |
| Net loans and leases to core deposits | 82.0745% | 3,318 |
| Total domestic deposits to total assets | 70.9830% | 6,988 |
| Equity capital to assets | 8.8586% | 5,907 |
| Core capital (leverage) ratio | 8.1147% | 6,261 |
| Tier 1 risk-based capital ratio | 15.2087% | 3,543 |
| Total risk-based capital ratio | 16.4262% | 3,525 |
| Memoranda: | ||
| Average total assets | $473,363,000 | 1,409 |
| Average earning assets | $431,181,000 | 1,412 |
| Average equity | $42,234,000 | 1,594 |
| Average total loans | $256,410,250 | 1,655 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4465% | 5,536 |
| Cost of funding earning assets | 1.8539% | 254 |
| Net interest margin | 2.5926% | 7,125 |
| Noninterest income to average assets | 0.7335% | 2,353 |
| Noninterest expense to average assets | 2.3341% | 6,039 |
| Loan and lease loss provision to assets | 0.1958% | 3,971 |
| Net operating income to assets | 0.3831% | 5,029 |
| Return on assets (ROA) | 0.2324% | 5,744 |
| Pretax return on assets | 0.3449% | 5,562 |
| Return on Equity (ROE) | 2.5991% | 5,566 |
| Retained earnings to average equity (ytd only) | 2.5991% | 4,637 |
| Net charge-offs to loans | -0.0163% | 6,783 |
| Credit loss provision to net charge-offs | -2,214.2857% | 6,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2019% | 3,325 |
| Assets per employee ($millions) | 4.4845% | 2,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1908% | 5,586 |
| Loan loss allowance to noncurrent loans | 47.8268% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 1.5913% | 3,811 |
| Noncurrent loans to loans | 2.4898% | 2,896 |
| Net loans and leases to total assets | 54.1003% | 5,283 |
| Net loans and leases to deposits | 75.7962% | 3,515 |
| Net loans and leases to core deposits | 81.9337% | 3,505 |
| Total domestic deposits to total assets | 71.3761% | 7,041 |
| Equity capital to assets | 9.0820% | 5,463 |
| Core capital (leverage) ratio | 7.6809% | 6,605 |
| Tier 1 risk-based capital ratio | 14.7859% | 3,621 |
| Total risk-based capital ratio | 16.0371% | 3,592 |
| Memoranda: | ||
| Average total assets | $474,967,330 | 1,412 |
| Average earning assets | $433,461,330 | 1,418 |
| Average equity | $42,476,330 | 1,574 |
| Average total loans | $257,088,670 | 1,668 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4706% | 5,442 |
| Cost of funding earning assets | 1.8889% | 264 |
| Net interest margin | 2.5817% | 7,135 |
| Noninterest income to average assets | 0.8318% | 1,920 |
| Noninterest expense to average assets | 2.3136% | 6,153 |
| Loan and lease loss provision to assets | 0.1803% | 3,815 |
| Net operating income to assets | 0.5068% | 4,465 |
| Return on assets (ROA) | 0.4553% | 4,779 |
| Pretax return on assets | 0.6205% | 4,602 |
| Return on Equity (ROE) | 5.1309% | 4,327 |
| Retained earnings to average equity (ytd only) | 5.1309% | 3,101 |
| Net charge-offs to loans | -0.0265% | 6,667 |
| Credit loss provision to net charge-offs | -1,264.7059% | 6,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5640% | 3,949 |
| Assets per employee ($millions) | 4.7015% | 2,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 6,045 |
| Loan loss allowance to noncurrent loans | 60.8997% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 1.4030% | 4,178 |
| Noncurrent loans to loans | 1.8067% | 3,819 |
| Net loans and leases to total assets | 53.3056% | 5,410 |
| Net loans and leases to deposits | 76.1671% | 3,392 |
| Net loans and leases to core deposits | 82.5945% | 3,369 |
| Total domestic deposits to total assets | 69.9851% | 7,178 |
| Equity capital to assets | 9.0339% | 5,148 |
| Core capital (leverage) ratio | 7.4788% | 6,742 |
| Tier 1 risk-based capital ratio | 13.9801% | 4,085 |
| Total risk-based capital ratio | 15.1682% | 4,102 |
| Memoranda: | ||
| Average total assets | $477,013,500 | 1,416 |
| Average earning assets | $434,751,000 | 1,419 |
| Average equity | $42,332,000 | 1,567 |
| Average total loans | $256,725,500 | 1,686 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7150% | 5,756 |
| Cost of funding earning assets | 2.0740% | 466 |
| Net interest margin | 2.6410% | 7,177 |
| Noninterest income to average assets | 0.5835% | 3,573 |
| Noninterest expense to average assets | 2.2759% | 6,421 |
| Loan and lease loss provision to assets | 0.1952% | 5,280 |
| Net operating income to assets | 0.4280% | 4,423 |
| Return on assets (ROA) | 0.2132% | 5,402 |
| Pretax return on assets | 0.2562% | 5,346 |
| Return on Equity (ROE) | 2.5270% | 5,167 |
| Retained earnings to average equity (ytd only) | 2.5270% | 4,102 |
| Net charge-offs to loans | 0.1917% | 5,151 |
| Credit loss provision to net charge-offs | 189.9396% | 1,701 |
| Earnings coverage of net charge-offs (x) | 6.9115% | 2,242 |
| Efficiency ratio | 74.7698% | 3,241 |
| Assets per employee ($millions) | 4.6522% | 2,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0030% | 6,373 |
| Loan loss allowance to noncurrent loans | 40.9935% | 5,568 |
| Noncurrent assets plus other real estate owned to assets | 1.6224% | 3,881 |
| Noncurrent loans to loans | 2.4468% | 3,076 |
| Net loans and leases to total assets | 53.2017% | 5,752 |
| Net loans and leases to deposits | 76.7304% | 3,725 |
| Net loans and leases to core deposits | 83.2602% | 3,709 |
| Total domestic deposits to total assets | 69.3359% | 7,269 |
| Equity capital to assets | 8.7163% | 5,560 |
| Core capital (leverage) ratio | 7.2974% | 6,845 |
| Tier 1 risk-based capital ratio | 13.3570% | 4,323 |
| Total risk-based capital ratio | 14.4194% | 4,429 |
| Memoranda: | ||
| Average total assets | $483,671,000 | 1,388 |
| Average earning assets | $440,025,800 | 1,386 |
| Average equity | $40,798,600 | 1,625 |
| Average total loans | $259,198,800 | 1,709 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7766% | 5,750 |
| Cost of funding earning assets | 2.1003% | 536 |
| Net interest margin | 2.6764% | 7,259 |
| Noninterest income to average assets | 0.5668% | 3,678 |
| Noninterest expense to average assets | 2.2469% | 6,474 |
| Loan and lease loss provision to assets | 0.1958% | 5,080 |
| Net operating income to assets | 0.4468% | 4,553 |
| Return on assets (ROA) | 0.2494% | 5,511 |
| Pretax return on assets | 0.3127% | 5,470 |
| Return on Equity (ROE) | 2.9818% | 5,230 |
| Retained earnings to average equity (ytd only) | 2.9818% | 4,349 |
| Net charge-offs to loans | 0.1407% | 5,172 |
| Credit loss provision to net charge-offs | 259.8540% | 1,276 |
| Earnings coverage of net charge-offs (x) | 10.0220% | 1,926 |
| Efficiency ratio | 73.3052% | 3,460 |
| Assets per employee ($millions) | 4.7493% | 2,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 6,358 |
| Loan loss allowance to noncurrent loans | 44.2877% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 1.5220% | 4,166 |
| Noncurrent loans to loans | 2.2759% | 3,358 |
| Net loans and leases to total assets | 52.1844% | 6,076 |
| Net loans and leases to deposits | 76.3138% | 4,126 |
| Net loans and leases to core deposits | 82.8423% | 4,106 |
| Total domestic deposits to total assets | 68.3814% | 7,356 |
| Equity capital to assets | 8.5588% | 6,209 |
| Core capital (leverage) ratio | 7.1874% | 7,066 |
| Tier 1 risk-based capital ratio | 13.0844% | 4,514 |
| Total risk-based capital ratio | 14.1353% | 4,651 |
| Memoranda: | ||
| Average total assets | $484,793,750 | 1,402 |
| Average earning assets | $441,136,500 | 1,396 |
| Average equity | $40,556,500 | 1,642 |
| Average total loans | $259,619,750 | 1,729 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8320% | 5,679 |
| Cost of funding earning assets | 2.1322% | 590 |
| Net interest margin | 2.6998% | 7,258 |
| Noninterest income to average assets | 0.5568% | 3,650 |
| Noninterest expense to average assets | 2.2577% | 6,481 |
| Loan and lease loss provision to assets | 0.2165% | 4,722 |
| Net operating income to assets | 0.5249% | 4,217 |
| Return on assets (ROA) | 0.1336% | 5,885 |
| Pretax return on assets | 0.1373% | 5,907 |
| Return on Equity (ROE) | 1.6097% | 5,757 |
| Retained earnings to average equity (ytd only) | 1.6097% | 5,059 |
| Net charge-offs to loans | 0.0582% | 5,577 |
| Credit loss provision to net charge-offs | 690.7895% | 539 |
| Earnings coverage of net charge-offs (x) | 24.1579% | 1,082 |
| Efficiency ratio | 73.2695% | 3,603 |
| Assets per employee ($millions) | 4.6889% | 2,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 6,406 |
| Loan loss allowance to noncurrent loans | 41.4928% | 5,569 |
| Noncurrent assets plus other real estate owned to assets | 1.5977% | 4,045 |
| Noncurrent loans to loans | 2.4077% | 3,245 |
| Net loans and leases to total assets | 52.5308% | 6,159 |
| Net loans and leases to deposits | 76.0545% | 4,328 |
| Net loans and leases to core deposits | 82.3699% | 4,362 |
| Total domestic deposits to total assets | 69.0700% | 7,384 |
| Equity capital to assets | 8.2021% | 6,541 |
| Core capital (leverage) ratio | 6.9147% | 7,234 |
| Tier 1 risk-based capital ratio | 12.3773% | 4,966 |
| Total risk-based capital ratio | 13.4201% | 5,134 |
| Memoranda: | ||
| Average total assets | $484,917,000 | 1,412 |
| Average earning assets | $441,511,000 | 1,405 |
| Average equity | $40,255,000 | 1,650 |
| Average total loans | $261,037,000 | 1,747 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9134% | 5,397 |
| Cost of funding earning assets | 2.1848% | 620 |
| Net interest margin | 2.7287% | 7,268 |
| Noninterest income to average assets | 0.5542% | 3,619 |
| Noninterest expense to average assets | 2.2641% | 6,502 |
| Loan and lease loss provision to assets | 0.2068% | 4,432 |
| Net operating income to assets | 0.4790% | 4,496 |
| Return on assets (ROA) | 0.1927% | 5,832 |
| Pretax return on assets | 0.2283% | 5,803 |
| Return on Equity (ROE) | 2.3078% | 5,627 |
| Retained earnings to average equity (ytd only) | 2.3078% | 4,750 |
| Net charge-offs to loans | 0.0717% | 4,702 |
| Credit loss provision to net charge-offs | 531.9149% | 796 |
| Earnings coverage of net charge-offs (x) | 19.9574% | 1,177 |
| Efficiency ratio | 72.8707% | 3,782 |
| Assets per employee ($millions) | 4.7422% | 2,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8975% | 6,845 |
| Loan loss allowance to noncurrent loans | 20.1985% | 6,997 |
| Noncurrent assets plus other real estate owned to assets | 2.6011% | 2,806 |
| Noncurrent loans to loans | 4.4434% | 1,686 |
| Net loans and leases to total assets | 52.8996% | 6,159 |
| Net loans and leases to deposits | 78.6536% | 3,910 |
| Net loans and leases to core deposits | 84.9409% | 4,066 |
| Total domestic deposits to total assets | 67.2564% | 7,563 |
| Equity capital to assets | 8.2869% | 6,318 |
| Core capital (leverage) ratio | 6.9079% | 7,303 |
| Tier 1 risk-based capital ratio | 11.9522% | 5,249 |
| Total risk-based capital ratio | 12.8714% | 5,518 |
| Memoranda: | ||
| Average total assets | $483,554,000 | 1,449 |
| Average earning assets | $440,507,000 | 1,444 |
| Average equity | $40,384,000 | 1,658 |
| Average total loans | $262,181,500 | 1,788 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6029% | 3,590 |
| Cost of funding earning assets | 2.6946% | 599 |
| Net interest margin | 2.9083% | 6,850 |
| Noninterest income to average assets | 0.6335% | 3,403 |
| Noninterest expense to average assets | 2.4505% | 6,302 |
| Loan and lease loss provision to assets | 0.1884% | 5,837 |
| Net operating income to assets | 0.4824% | 3,806 |
| Return on assets (ROA) | -0.8686% | 6,488 |
| Pretax return on assets | -1.4940% | 6,701 |
| Return on Equity (ROE) | -11.5052% | 6,735 |
| Retained earnings to average equity (ytd only) | -11.5052% | 6,643 |
| Net charge-offs to loans | 0.2185% | 5,256 |
| Credit loss provision to net charge-offs | 156.3700% | 2,890 |
| Earnings coverage of net charge-offs (x) | 6.6824% | 2,314 |
| Efficiency ratio | 73.5288% | 3,993 |
| Assets per employee ($millions) | 4.6928% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8102% | 7,101 |
| Loan loss allowance to noncurrent loans | 21.3067% | 6,996 |
| Noncurrent assets plus other real estate owned to assets | 2.2999% | 3,004 |
| Noncurrent loans to loans | 3.8026% | 1,965 |
| Net loans and leases to total assets | 54.6316% | 6,129 |
| Net loans and leases to deposits | 80.2641% | 3,941 |
| Net loans and leases to core deposits | 99.2824% | 4,081 |
| Total domestic deposits to total assets | 68.0649% | 7,546 |
| Equity capital to assets | 8.4174% | 6,035 |
| Core capital (leverage) ratio | 7.0462% | 7,199 |
| Tier 1 risk-based capital ratio | 11.5899% | 5,304 |
| Total risk-based capital ratio | 12.4241% | 5,709 |
| Memoranda: | ||
| Average total assets | $475,487,000 | 1,461 |
| Average earning assets | $428,741,000 | 1,479 |
| Average equity | $35,896,800 | 1,877 |
| Average total loans | $262,184,600 | 1,818 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6952% | 3,363 |
| Cost of funding earning assets | 2.8344% | 548 |
| Net interest margin | 2.8609% | 6,937 |
| Noninterest income to average assets | 0.6359% | 3,453 |
| Noninterest expense to average assets | 2.4372% | 6,287 |
| Loan and lease loss provision to assets | 0.1814% | 5,553 |
| Net operating income to assets | 0.4759% | 4,090 |
| Return on assets (ROA) | -1.3120% | 7,017 |
| Pretax return on assets | -2.2024% | 7,254 |
| Return on Equity (ROE) | -17.8970% | 7,305 |
| Retained earnings to average equity (ytd only) | -17.8970% | 7,270 |
| Net charge-offs to loans | 0.2032% | 4,774 |
| Credit loss provision to net charge-offs | 161.9048% | 2,913 |
| Earnings coverage of net charge-offs (x) | 6.8947% | 2,520 |
| Efficiency ratio | 74.1250% | 3,844 |
| Assets per employee ($millions) | 4.5557% | 2,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7707% | 7,206 |
| Loan loss allowance to noncurrent loans | 27.5401% | 6,622 |
| Noncurrent assets plus other real estate owned to assets | 1.8696% | 3,554 |
| Noncurrent loans to loans | 2.7983% | 2,716 |
| Net loans and leases to total assets | 56.5276% | 6,088 |
| Net loans and leases to deposits | 84.9595% | 3,503 |
| Net loans and leases to core deposits | 106.5600% | 3,636 |
| Total domestic deposits to total assets | 66.5347% | 7,657 |
| Equity capital to assets | 8.1676% | 6,675 |
| Core capital (leverage) ratio | 6.8653% | 7,510 |
| Tier 1 risk-based capital ratio | 10.4088% | 6,558 |
| Total risk-based capital ratio | 11.0809% | 7,075 |
| Memoranda: | ||
| Average total assets | $474,692,750 | 1,474 |
| Average earning assets | $427,083,000 | 1,495 |
| Average equity | $34,798,250 | 1,950 |
| Average total loans | $261,821,250 | 1,839 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6615% | 3,760 |
| Cost of funding earning assets | 2.8647% | 661 |
| Net interest margin | 2.7967% | 7,018 |
| Noninterest income to average assets | 0.6262% | 3,489 |
| Noninterest expense to average assets | 2.3198% | 6,709 |
| Loan and lease loss provision to assets | 0.1796% | 5,248 |
| Net operating income to assets | 0.5391% | 3,941 |
| Return on assets (ROA) | -2.1326% | 7,456 |
| Pretax return on assets | -3.5092% | 7,681 |
| Return on Equity (ROE) | -30.2237% | 7,710 |
| Retained earnings to average equity (ytd only) | -30.2237% | 7,687 |
| Net charge-offs to loans | 0.1708% | 4,519 |
| Credit loss provision to net charge-offs | 192.7928% | 2,372 |
| Earnings coverage of net charge-offs (x) | 9.0676% | 2,182 |
| Efficiency ratio | 71.4324% | 4,522 |
| Assets per employee ($millions) | 4.7106% | 2,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7540% | 7,293 |
| Loan loss allowance to noncurrent loans | 31.3072% | 6,377 |
| Noncurrent assets plus other real estate owned to assets | 1.6100% | 3,799 |
| Noncurrent loans to loans | 2.4085% | 3,002 |
| Net loans and leases to total assets | 55.8557% | 6,220 |
| Net loans and leases to deposits | 85.7713% | 3,586 |
| Net loans and leases to core deposits | 107.3643% | 3,682 |
| Total domestic deposits to total assets | 65.1217% | 7,786 |
| Equity capital to assets | 7.6104% | 7,167 |
| Core capital (leverage) ratio | 6.6239% | 7,730 |
| Tier 1 risk-based capital ratio | 10.2883% | 6,608 |
| Total risk-based capital ratio | 10.9503% | 7,171 |
| Memoranda: | ||
| Average total assets | $476,512,670 | 1,492 |
| Average earning assets | $432,503,330 | 1,492 |
| Average equity | $33,622,670 | 2,021 |
| Average total loans | $259,993,000 | 1,887 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6969% | 3,822 |
| Cost of funding earning assets | 2.8692% | 829 |
| Net interest margin | 2.8277% | 6,931 |
| Noninterest income to average assets | 0.5645% | 3,798 |
| Noninterest expense to average assets | 2.1674% | 6,963 |
| Loan and lease loss provision to assets | 0.1912% | 4,524 |
| Net operating income to assets | 0.5288% | 4,298 |
| Return on assets (ROA) | 0.6006% | 4,202 |
| Pretax return on assets | 0.8765% | 3,810 |
| Return on Equity (ROE) | 8.8586% | 2,778 |
| Retained earnings to average equity (ytd only) | 8.8586% | 1,525 |
| Net charge-offs to loans | 0.0203% | 5,282 |
| Credit loss provision to net charge-offs | 1,753.8462% | 365 |
| Earnings coverage of net charge-offs (x) | 88.3846% | 486 |
| Efficiency ratio | 67.3185% | 5,079 |
| Assets per employee ($millions) | 4.7587% | 2,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7693% | 7,251 |
| Loan loss allowance to noncurrent loans | 44.2882% | 5,571 |
| Noncurrent assets plus other real estate owned to assets | 1.2274% | 4,231 |
| Noncurrent loans to loans | 1.7371% | 3,656 |
| Net loans and leases to total assets | 54.6430% | 6,396 |
| Net loans and leases to deposits | 85.9327% | 3,643 |
| Net loans and leases to core deposits | 105.1400% | 4,014 |
| Total domestic deposits to total assets | 63.5881% | 7,864 |
| Equity capital to assets | 6.7679% | 7,778 |
| Core capital (leverage) ratio | 8.1379% | 6,209 |
| Tier 1 risk-based capital ratio | 11.2907% | 5,608 |
| Total risk-based capital ratio | 11.8598% | 6,204 |
| Memoranda: | ||
| Average total assets | $476,883,000 | 1,500 |
| Average earning assets | $432,867,000 | 1,498 |
| Average equity | $32,330,000 | 2,097 |
| Average total loans | $256,107,000 | 1,925 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9525% | 5,800 |
| Cost of funding earning assets | 3.1305% | 1,414 |
| Net interest margin | 2.8220% | 7,293 |
| Noninterest income to average assets | 0.6342% | 3,602 |
| Noninterest expense to average assets | 2.1652% | 7,073 |
| Loan and lease loss provision to assets | 1.3074% | 1,085 |
| Net operating income to assets | -0.0911% | 6,483 |
| Return on assets (ROA) | -0.0469% | 6,288 |
| Pretax return on assets | -0.1728% | 6,351 |
| Return on Equity (ROE) | -0.5429% | 6,300 |
| Retained earnings to average equity (ytd only) | -5.3264% | 6,563 |
| Net charge-offs to loans | 0.1721% | 4,484 |
| Credit loss provision to net charge-offs | 1,497.1631% | 300 |
| Earnings coverage of net charge-offs (x) | 12.2009% | 2,278 |
| Efficiency ratio | 64.8987% | 5,349 |
| Assets per employee ($millions) | 4.7790% | 2,205 |
| Cash dividends to net income (ytd only)* | -881.0573% | 8,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7499% | 7,285 |
| Loan loss allowance to noncurrent loans | 57.3876% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 0.9374% | 4,482 |
| Noncurrent loans to loans | 1.3067% | 3,895 |
| Net loans and leases to total assets | 51.9553% | 6,851 |
| Net loans and leases to deposits | 84.5429% | 4,331 |
| Net loans and leases to core deposits | 105.1327% | 4,286 |
| Total domestic deposits to total assets | 61.4544% | 7,908 |
| Equity capital to assets | 6.7910% | 7,836 |
| Core capital (leverage) ratio | 7.9755% | 6,533 |
| Tier 1 risk-based capital ratio | 14.8622% | 3,119 |
| Total risk-based capital ratio | 15.5727% | 3,307 |
| Memoranda: | ||
| Average total assets | $484,398,600 | 1,413 |
| Average earning assets | $445,679,200 | 1,403 |
| Average equity | $41,810,800 | 1,601 |
| Average total loans | $245,807,200 | 1,936 |