Home > Reliance Bank > Performance and Condition Ratios
Reliance Bank, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0013% | 4,364 |
| Cost of funding earning assets | 1.3974% | 464 |
| Net interest margin | 2.6039% | 5,134 |
| Noninterest income to average assets | 0.2209% | 4,425 |
| Noninterest expense to average assets | 1.4671% | 5,191 |
| Loan and lease loss provision to assets | -0.0052% | 5,196 |
| Net operating income to assets | 0.9877% | 2,898 |
| Return on assets (ROA) | 0.9897% | 2,921 |
| Pretax return on assets | 1.1508% | 2,974 |
| Return on Equity (ROE) | 9.9761% | 2,381 |
| Retained earnings to average equity (ytd only) | 9.9761% | 1,039 |
| Net charge-offs to loans | -0.0011% | 3,809 |
| Credit loss provision to net charge-offs | 666.6667% | 496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2027% | 4,306 |
| Assets per employee ($millions) | 9.5886% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 3,959 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7185% | 1,953 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 72.9661% | 1,993 |
| Net loans and leases to deposits | 92.3709% | 1,359 |
| Net loans and leases to core deposits | 106.1557% | 1,164 |
| Total domestic deposits to total assets | 78.9924% | 4,351 |
| Equity capital to assets | 9.2265% | 4,504 |
| Core capital (leverage) ratio | 9.0135% | 4,646 |
| Tier 1 risk-based capital ratio | 10.1461% | 5,257 |
| Total risk-based capital ratio | 10.9409% | 5,296 |
| Memoranda: | ||
| Average total assets | $1,539,039,000 | 543 |
| Average earning assets | $1,412,343,000 | 539 |
| Average equity | $152,685,000 | 603 |
| Average total loans | $1,128,792,500 | 522 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8968% | 4,282 |
| Cost of funding earning assets | 1.0624% | 572 |
| Net interest margin | 2.8343% | 4,988 |
| Noninterest income to average assets | 0.2427% | 4,470 |
| Noninterest expense to average assets | 1.5561% | 5,193 |
| Loan and lease loss provision to assets | -0.0494% | 5,196 |
| Net operating income to assets | 1.0836% | 2,666 |
| Return on assets (ROA) | 1.0836% | 2,662 |
| Pretax return on assets | 1.3261% | 2,412 |
| Return on Equity (ROE) | 10.2266% | 2,431 |
| Retained earnings to average equity (ytd only) | 10.2266% | 588 |
| Net charge-offs to loans | 0.0046% | 3,552 |
| Credit loss provision to net charge-offs | -1,489.7959% | 4,787 |
| Earnings coverage of net charge-offs (x) | 384.7347% | 264 |
| Efficiency ratio | 54.9141% | 4,528 |
| Assets per employee ($millions) | 9.0254% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9670% | 3,875 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7229% | 1,921 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 72.3131% | 2,205 |
| Net loans and leases to deposits | 91.1250% | 1,651 |
| Net loans and leases to core deposits | 103.9869% | 1,416 |
| Total domestic deposits to total assets | 79.3559% | 4,243 |
| Equity capital to assets | 10.6193% | 3,060 |
| Core capital (leverage) ratio | 10.6454% | 2,893 |
| Tier 1 risk-based capital ratio | 11.9039% | 4,493 |
| Total risk-based capital ratio | 12.7008% | 4,654 |
| Memoranda: | ||
| Average total assets | $1,476,609,400 | 551 |
| Average earning assets | $1,349,348,400 | 546 |
| Average equity | $156,464,600 | 545 |
| Average total loans | $1,059,439,200 | 533 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8442% | 4,332 |
| Cost of funding earning assets | 0.9986% | 600 |
| Net interest margin | 2.8456% | 5,039 |
| Noninterest income to average assets | 0.2450% | 4,510 |
| Noninterest expense to average assets | 1.5460% | 5,249 |
| Loan and lease loss provision to assets | -0.0520% | 5,296 |
| Net operating income to assets | 1.1030% | 2,652 |
| Return on assets (ROA) | 1.1030% | 2,667 |
| Pretax return on assets | 1.3494% | 2,433 |
| Return on Equity (ROE) | 10.4152% | 2,429 |
| Retained earnings to average equity (ytd only) | 10.4152% | 791 |
| Net charge-offs to loans | -0.0161% | 4,552 |
| Credit loss provision to net charge-offs | 452.3810% | 752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3487% | 4,575 |
| Assets per employee ($millions) | 8.6476% | 502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0169% | 3,657 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6910% | 2,129 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 71.8382% | 2,354 |
| Net loans and leases to deposits | 91.6825% | 1,663 |
| Net loans and leases to core deposits | 102.4796% | 1,569 |
| Total domestic deposits to total assets | 78.3554% | 4,428 |
| Equity capital to assets | 10.2557% | 3,397 |
| Core capital (leverage) ratio | 10.5042% | 3,083 |
| Tier 1 risk-based capital ratio | 11.7481% | 4,631 |
| Total risk-based capital ratio | 12.5821% | 4,776 |
| Memoranda: | ||
| Average total assets | $1,462,183,000 | 553 |
| Average earning assets | $1,335,145,000 | 549 |
| Average equity | $154,847,250 | 546 |
| Average total loans | $1,044,212,750 | 537 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7913% | 4,365 |
| Cost of funding earning assets | 0.9418% | 604 |
| Net interest margin | 2.8495% | 5,074 |
| Noninterest income to average assets | 0.2452% | 4,539 |
| Noninterest expense to average assets | 1.5794% | 5,287 |
| Loan and lease loss provision to assets | -0.0706% | 5,394 |
| Net operating income to assets | 1.0958% | 2,599 |
| Return on assets (ROA) | 1.0958% | 2,606 |
| Pretax return on assets | 1.3361% | 2,377 |
| Return on Equity (ROE) | 10.2347% | 2,459 |
| Retained earnings to average equity (ytd only) | 10.2347% | 858 |
| Net charge-offs to loans | -0.0187% | 4,541 |
| Credit loss provision to net charge-offs | 531.2500% | 675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4826% | 4,540 |
| Assets per employee ($millions) | 8.2887% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 3,535 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7115% | 2,101 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 70.7304% | 2,471 |
| Net loans and leases to deposits | 90.1295% | 1,823 |
| Net loans and leases to core deposits | 98.6995% | 1,836 |
| Total domestic deposits to total assets | 78.4764% | 4,514 |
| Equity capital to assets | 10.2509% | 3,389 |
| Core capital (leverage) ratio | 10.4046% | 3,133 |
| Tier 1 risk-based capital ratio | 11.5975% | 4,747 |
| Total risk-based capital ratio | 12.4500% | 4,849 |
| Memoranda: | ||
| Average total assets | $1,445,136,000 | 555 |
| Average earning assets | $1,318,387,000 | 557 |
| Average equity | $154,729,000 | 546 |
| Average total loans | $1,026,179,000 | 544 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7383% | 4,386 |
| Cost of funding earning assets | 0.8919% | 622 |
| Net interest margin | 2.8464% | 5,102 |
| Noninterest income to average assets | 0.2510% | 4,501 |
| Noninterest expense to average assets | 1.6448% | 5,298 |
| Loan and lease loss provision to assets | -0.1154% | 5,515 |
| Net operating income to assets | 1.0936% | 2,453 |
| Return on assets (ROA) | 1.0936% | 2,468 |
| Pretax return on assets | 1.3156% | 2,302 |
| Return on Equity (ROE) | 9.9908% | 2,437 |
| Retained earnings to average equity (ytd only) | 9.9908% | 1,160 |
| Net charge-offs to loans | -0.0612% | 5,059 |
| Credit loss provision to net charge-offs | 266.2338% | 885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7729% | 4,375 |
| Assets per employee ($millions) | 8.1331% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1119% | 3,306 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7304% | 2,126 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 70.5600% | 2,386 |
| Net loans and leases to deposits | 90.1447% | 1,675 |
| Net loans and leases to core deposits | 99.4750% | 1,722 |
| Total domestic deposits to total assets | 78.2741% | 4,692 |
| Equity capital to assets | 10.7680% | 2,807 |
| Core capital (leverage) ratio | 10.6725% | 2,770 |
| Tier 1 risk-based capital ratio | 11.8633% | 4,639 |
| Total risk-based capital ratio | 12.7576% | 4,752 |
| Memoranda: | ||
| Average total assets | $1,421,719,000 | 566 |
| Average earning assets | $1,295,682,500 | 565 |
| Average equity | $155,623,500 | 548 |
| Average total loans | $1,006,030,500 | 558 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6051% | 4,564 |
| Cost of funding earning assets | 0.7469% | 835 |
| Net interest margin | 2.8581% | 5,097 |
| Noninterest income to average assets | 0.2696% | 4,508 |
| Noninterest expense to average assets | 1.6171% | 5,400 |
| Loan and lease loss provision to assets | -0.0628% | 5,420 |
| Net operating income to assets | 0.2196% | 5,070 |
| Return on assets (ROA) | 0.2196% | 5,092 |
| Pretax return on assets | 1.2985% | 2,360 |
| Return on Equity (ROE) | 1.8706% | 5,085 |
| Retained earnings to average equity (ytd only) | 1.8706% | 4,192 |
| Net charge-offs to loans | 0.0051% | 3,903 |
| Credit loss provision to net charge-offs | -1,825.5319% | 5,147 |
| Earnings coverage of net charge-offs (x) | 359.4043% | 245 |
| Efficiency ratio | 56.6428% | 4,698 |
| Assets per employee ($millions) | 7.9326% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 2,937 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7404% | 2,115 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 69.3392% | 2,626 |
| Net loans and leases to deposits | 89.2829% | 1,861 |
| Net loans and leases to core deposits | 98.0990% | 1,856 |
| Total domestic deposits to total assets | 77.6623% | 4,767 |
| Equity capital to assets | 11.1268% | 2,511 |
| Core capital (leverage) ratio | 10.6798% | 2,668 |
| Tier 1 risk-based capital ratio | 12.0524% | 4,491 |
| Total risk-based capital ratio | 12.9901% | 4,576 |
| Memoranda: | ||
| Average total assets | $1,366,971,600 | 563 |
| Average earning assets | $1,235,457,600 | 568 |
| Average equity | $160,483,800 | 516 |
| Average total loans | $930,131,200 | 572 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5739% | 4,628 |
| Cost of funding earning assets | 0.7201% | 884 |
| Net interest margin | 2.8538% | 5,153 |
| Noninterest income to average assets | 0.2740% | 4,544 |
| Noninterest expense to average assets | 1.6091% | 5,447 |
| Loan and lease loss provision to assets | -0.0844% | 5,568 |
| Net operating income to assets | 0.9802% | 2,640 |
| Return on assets (ROA) | 0.9802% | 2,696 |
| Pretax return on assets | 1.3238% | 2,385 |
| Return on Equity (ROE) | 8.2373% | 3,003 |
| Retained earnings to average equity (ytd only) | 8.2373% | 1,118 |
| Net charge-offs to loans | -0.0235% | 4,906 |
| Credit loss provision to net charge-offs | 532.9193% | 593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4459% | 4,683 |
| Assets per employee ($millions) | 7.8340% | 670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2176% | 2,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7414% | 2,277 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 68.0075% | 2,844 |
| Net loans and leases to deposits | 89.1633% | 1,911 |
| Net loans and leases to core deposits | 96.6644% | 2,006 |
| Total domestic deposits to total assets | 76.2730% | 4,991 |
| Equity capital to assets | 11.6994% | 2,188 |
| Core capital (leverage) ratio | 10.8178% | 2,626 |
| Tier 1 risk-based capital ratio | 11.9689% | 4,648 |
| Total risk-based capital ratio | 12.9332% | 4,729 |
| Memoranda: | ||
| Average total assets | $1,355,712,000 | 567 |
| Average earning assets | $1,223,022,250 | 573 |
| Average equity | $161,327,000 | 519 |
| Average total loans | $914,991,750 | 581 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5345% | 4,670 |
| Cost of funding earning assets | 0.6954% | 914 |
| Net interest margin | 2.8392% | 5,188 |
| Noninterest income to average assets | 0.2687% | 4,620 |
| Noninterest expense to average assets | 1.6168% | 5,481 |
| Loan and lease loss provision to assets | -0.0909% | 5,641 |
| Net operating income to assets | 0.9553% | 2,633 |
| Return on assets (ROA) | 0.9553% | 2,692 |
| Pretax return on assets | 1.3021% | 2,376 |
| Return on Equity (ROE) | 7.9807% | 3,044 |
| Retained earnings to average equity (ytd only) | 7.9807% | 1,174 |
| Net charge-offs to loans | -0.0216% | 4,806 |
| Credit loss provision to net charge-offs | 626.8041% | 544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1300% | 4,692 |
| Assets per employee ($millions) | 7.7213% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2909% | 2,459 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7607% | 2,306 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 66.7995% | 2,988 |
| Net loans and leases to deposits | 86.7245% | 2,142 |
| Net loans and leases to core deposits | 93.6104% | 2,191 |
| Total domestic deposits to total assets | 77.0250% | 4,953 |
| Equity capital to assets | 11.7212% | 2,134 |
| Core capital (leverage) ratio | 10.6140% | 2,792 |
| Tier 1 risk-based capital ratio | 12.1345% | 4,543 |
| Total risk-based capital ratio | 13.1598% | 4,589 |
| Memoranda: | ||
| Average total assets | $1,337,577,000 | 579 |
| Average earning assets | $1,205,712,330 | 586 |
| Average equity | $160,111,000 | 524 |
| Average total loans | $896,386,670 | 594 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4718% | 4,773 |
| Cost of funding earning assets | 0.6760% | 951 |
| Net interest margin | 2.7958% | 5,250 |
| Noninterest income to average assets | 0.2583% | 4,685 |
| Noninterest expense to average assets | 1.5852% | 5,570 |
| Loan and lease loss provision to assets | -0.0758% | 5,737 |
| Net operating income to assets | 0.9251% | 2,639 |
| Return on assets (ROA) | 0.9251% | 2,696 |
| Pretax return on assets | 1.2647% | 2,372 |
| Return on Equity (ROE) | 7.6457% | 3,095 |
| Retained earnings to average equity (ytd only) | 7.6457% | 1,592 |
| Net charge-offs to loans | 0.0223% | 2,324 |
| Credit loss provision to net charge-offs | -510.2041% | 4,259 |
| Earnings coverage of net charge-offs (x) | 80.0204% | 654 |
| Efficiency ratio | 57.0991% | 4,828 |
| Assets per employee ($millions) | 7.6746% | 706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 2,222 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7784% | 2,358 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 65.6366% | 3,031 |
| Net loans and leases to deposits | 79.4691% | 2,815 |
| Net loans and leases to core deposits | 85.2905% | 2,783 |
| Total domestic deposits to total assets | 82.5938% | 3,971 |
| Equity capital to assets | 12.0139% | 1,822 |
| Core capital (leverage) ratio | 11.0396% | 2,320 |
| Tier 1 risk-based capital ratio | 12.4636% | 4,410 |
| Total risk-based capital ratio | 13.5343% | 4,422 |
| Memoranda: | ||
| Average total assets | $1,319,169,000 | 586 |
| Average earning assets | $1,187,045,500 | 600 |
| Average equity | $159,619,000 | 520 |
| Average total loans | $879,532,500 | 608 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4926% | 4,801 |
| Cost of funding earning assets | 0.6014% | 1,318 |
| Net interest margin | 2.8912% | 5,156 |
| Noninterest income to average assets | 0.2767% | 4,764 |
| Noninterest expense to average assets | 1.7631% | 5,510 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7879% | 3,361 |
| Return on assets (ROA) | 0.8500% | 3,180 |
| Pretax return on assets | 1.1854% | 2,734 |
| Return on Equity (ROE) | 6.7619% | 3,611 |
| Retained earnings to average equity (ytd only) | 6.7619% | 1,325 |
| Net charge-offs to loans | -0.0592% | 5,440 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5507% | 4,337 |
| Assets per employee ($millions) | 7.4442% | 748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4466% | 1,885 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8102% | 2,326 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 65.8384% | 3,097 |
| Net loans and leases to deposits | 86.2769% | 2,134 |
| Net loans and leases to core deposits | 92.7517% | 2,230 |
| Total domestic deposits to total assets | 76.3106% | 5,209 |
| Equity capital to assets | 12.1892% | 1,689 |
| Core capital (leverage) ratio | 11.0409% | 2,306 |
| Tier 1 risk-based capital ratio | 12.3125% | 4,498 |
| Total risk-based capital ratio | 13.4255% | 4,471 |
| Memoranda: | ||
| Average total assets | $1,246,751,400 | 594 |
| Average earning assets | $1,114,954,400 | 601 |
| Average equity | $156,715,800 | 508 |
| Average total loans | $808,506,800 | 624 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4758% | 4,878 |
| Cost of funding earning assets | 0.5898% | 1,412 |
| Net interest margin | 2.8860% | 5,213 |
| Noninterest income to average assets | 0.2936% | 4,666 |
| Noninterest expense to average assets | 1.8106% | 5,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7620% | 3,550 |
| Return on assets (ROA) | 0.8417% | 3,304 |
| Pretax return on assets | 1.1729% | 2,955 |
| Return on Equity (ROE) | 6.6433% | 3,757 |
| Retained earnings to average equity (ytd only) | 6.6433% | 1,821 |
| Net charge-offs to loans | -0.0732% | 5,483 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9802% | 4,077 |
| Assets per employee ($millions) | 7.1863% | 821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5160% | 1,712 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8303% | 2,469 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 64.0759% | 3,390 |
| Net loans and leases to deposits | 85.2294% | 2,340 |
| Net loans and leases to core deposits | 91.3018% | 2,453 |
| Total domestic deposits to total assets | 75.1805% | 5,321 |
| Equity capital to assets | 12.7563% | 1,616 |
| Core capital (leverage) ratio | 11.0082% | 2,441 |
| Tier 1 risk-based capital ratio | 12.2543% | 4,639 |
| Total risk-based capital ratio | 13.3886% | 4,616 |
| Memoranda: | ||
| Average total assets | $1,234,616,750 | 598 |
| Average earning assets | $1,103,364,750 | 603 |
| Average equity | $156,423,250 | 508 |
| Average total loans | $794,304,500 | 629 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4931% | 4,887 |
| Cost of funding earning assets | 0.5774% | 1,485 |
| Net interest margin | 2.9157% | 5,240 |
| Noninterest income to average assets | 0.2884% | 4,722 |
| Noninterest expense to average assets | 1.8601% | 5,521 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7388% | 3,612 |
| Return on assets (ROA) | 0.8233% | 3,339 |
| Pretax return on assets | 1.1529% | 2,980 |
| Return on Equity (ROE) | 6.5136% | 3,794 |
| Retained earnings to average equity (ytd only) | 6.5136% | 1,867 |
| Net charge-offs to loans | -0.1014% | 5,625 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2305% | 3,979 |
| Assets per employee ($millions) | 7.1481% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5923% | 1,551 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8675% | 2,427 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 62.1565% | 3,610 |
| Net loans and leases to deposits | 81.7546% | 2,736 |
| Net loans and leases to core deposits | 87.6247% | 2,766 |
| Total domestic deposits to total assets | 76.0281% | 5,281 |
| Equity capital to assets | 12.8564% | 1,584 |
| Core capital (leverage) ratio | 10.8580% | 2,584 |
| Tier 1 risk-based capital ratio | 12.7730% | 4,330 |
| Total risk-based capital ratio | 13.9847% | 4,262 |
| Memoranda: | ||
| Average total assets | $1,224,558,670 | 604 |
| Average earning assets | $1,094,265,330 | 606 |
| Average equity | $154,784,000 | 511 |
| Average total loans | $784,772,330 | 637 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5002% | 4,890 |
| Cost of funding earning assets | 0.5666% | 1,569 |
| Net interest margin | 2.9337% | 5,251 |
| Noninterest income to average assets | 0.2764% | 4,745 |
| Noninterest expense to average assets | 1.8553% | 5,582 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7503% | 3,481 |
| Return on assets (ROA) | 0.7957% | 3,380 |
| Pretax return on assets | 1.1017% | 3,086 |
| Return on Equity (ROE) | 6.3504% | 3,799 |
| Retained earnings to average equity (ytd only) | 6.3504% | 2,206 |
| Net charge-offs to loans | -0.0732% | 5,518 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0653% | 4,112 |
| Assets per employee ($millions) | 6.9832% | 904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5348% | 1,851 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8823% | 2,481 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 63.9582% | 3,249 |
| Net loans and leases to deposits | 84.4249% | 2,257 |
| Net loans and leases to core deposits | 90.8496% | 2,292 |
| Total domestic deposits to total assets | 75.7576% | 5,437 |
| Equity capital to assets | 12.7126% | 1,553 |
| Core capital (leverage) ratio | 10.7365% | 2,687 |
| Tier 1 risk-based capital ratio | 12.3611% | 4,685 |
| Total risk-based capital ratio | 13.5435% | 4,624 |
| Memoranda: | ||
| Average total assets | $1,218,530,500 | 601 |
| Average earning assets | $1,087,241,000 | 612 |
| Average equity | $152,684,000 | 516 |
| Average total loans | $786,622,000 | 631 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5383% | 4,824 |
| Cost of funding earning assets | 0.6961% | 836 |
| Net interest margin | 2.8422% | 5,440 |
| Noninterest income to average assets | 0.2651% | 4,974 |
| Noninterest expense to average assets | 2.2766% | 4,855 |
| Loan and lease loss provision to assets | -0.0838% | 5,823 |
| Net operating income to assets | 0.4645% | 4,833 |
| Return on assets (ROA) | 0.4964% | 4,801 |
| Pretax return on assets | 0.6356% | 4,718 |
| Return on Equity (ROE) | 3.9356% | 4,976 |
| Retained earnings to average equity (ytd only) | 3.9356% | 3,239 |
| Net charge-offs to loans | -0.1377% | 5,870 |
| Credit loss provision to net charge-offs | 97.0559% | 2,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6220% | 1,460 |
| Assets per employee ($millions) | 6.5323% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5445% | 1,820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9742% | 2,249 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 63.1616% | 3,389 |
| Net loans and leases to deposits | 81.5663% | 2,645 |
| Net loans and leases to core deposits | 87.0700% | 2,689 |
| Total domestic deposits to total assets | 77.4359% | 5,252 |
| Equity capital to assets | 12.3467% | 1,708 |
| Core capital (leverage) ratio | 10.6973% | 2,711 |
| Tier 1 risk-based capital ratio | 12.4808% | 4,648 |
| Total risk-based capital ratio | 13.6892% | 4,566 |
| Memoranda: | ||
| Average total assets | $1,180,203,200 | 599 |
| Average earning assets | $1,047,382,800 | 620 |
| Average equity | $148,844,600 | 509 |
| Average total loans | $740,243,600 | 631 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5695% | 4,823 |
| Cost of funding earning assets | 0.7253% | 735 |
| Net interest margin | 2.8442% | 5,506 |
| Noninterest income to average assets | 0.3135% | 4,704 |
| Noninterest expense to average assets | 1.9890% | 5,498 |
| Loan and lease loss provision to assets | -0.0025% | 5,784 |
| Net operating income to assets | 0.6259% | 4,260 |
| Return on assets (ROA) | 0.6501% | 4,242 |
| Pretax return on assets | 0.8814% | 4,045 |
| Return on Equity (ROE) | 5.1267% | 4,571 |
| Retained earnings to average equity (ytd only) | 5.1267% | 2,824 |
| Net charge-offs to loans | -0.0111% | 5,029 |
| Credit loss provision to net charge-offs | 36.0656% | 3,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1056% | 3,190 |
| Assets per employee ($millions) | 6.3124% | 1,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6569% | 1,590 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1556% | 2,058 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 61.2349% | 3,702 |
| Net loans and leases to deposits | 79.9568% | 2,890 |
| Net loans and leases to core deposits | 84.4185% | 2,994 |
| Total domestic deposits to total assets | 76.5849% | 5,408 |
| Equity capital to assets | 13.0248% | 1,430 |
| Core capital (leverage) ratio | 10.9670% | 2,521 |
| Tier 1 risk-based capital ratio | 13.2026% | 4,317 |
| Total risk-based capital ratio | 14.4717% | 4,233 |
| Memoranda: | ||
| Average total assets | $1,171,501,750 | 606 |
| Average earning assets | $1,038,616,250 | 627 |
| Average equity | $148,552,500 | 512 |
| Average total loans | $730,440,000 | 641 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5800% | 4,778 |
| Cost of funding earning assets | 0.7257% | 734 |
| Net interest margin | 2.8543% | 5,526 |
| Noninterest income to average assets | 0.3141% | 4,706 |
| Noninterest expense to average assets | 2.0281% | 5,473 |
| Loan and lease loss provision to assets | -0.0038% | 5,938 |
| Net operating income to assets | 0.6143% | 4,273 |
| Return on assets (ROA) | 0.6395% | 4,286 |
| Pretax return on assets | 0.8561% | 4,104 |
| Return on Equity (ROE) | 5.0893% | 4,581 |
| Retained earnings to average equity (ytd only) | 5.0893% | 2,804 |
| Net charge-offs to loans | -0.0139% | 5,032 |
| Credit loss provision to net charge-offs | 43.1373% | 2,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1915% | 3,131 |
| Assets per employee ($millions) | 6.5583% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6295% | 1,815 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1514% | 2,202 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 61.9040% | 3,562 |
| Net loans and leases to deposits | 80.9817% | 2,669 |
| Net loans and leases to core deposits | 85.7435% | 2,790 |
| Total domestic deposits to total assets | 76.4419% | 5,538 |
| Equity capital to assets | 12.6111% | 1,598 |
| Core capital (leverage) ratio | 10.6548% | 2,783 |
| Tier 1 risk-based capital ratio | 13.0027% | 4,521 |
| Total risk-based capital ratio | 14.2749% | 4,424 |
| Memoranda: | ||
| Average total assets | $1,172,737,330 | 606 |
| Average earning assets | $1,040,604,670 | 622 |
| Average equity | $147,369,000 | 517 |
| Average total loans | $731,538,000 | 640 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6463% | 4,543 |
| Cost of funding earning assets | 0.7196% | 773 |
| Net interest margin | 2.9266% | 5,391 |
| Noninterest income to average assets | 0.3286% | 4,558 |
| Noninterest expense to average assets | 2.1407% | 5,302 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5797% | 4,362 |
| Return on assets (ROA) | 0.6074% | 4,348 |
| Pretax return on assets | 0.8194% | 4,174 |
| Return on Equity (ROE) | 4.8425% | 4,609 |
| Retained earnings to average equity (ytd only) | 4.8425% | 3,150 |
| Net charge-offs to loans | -0.0357% | 5,347 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2018% | 2,955 |
| Assets per employee ($millions) | 6.4910% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6584% | 1,858 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6747% | 1,507 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 60.6080% | 3,570 |
| Net loans and leases to deposits | 78.9628% | 2,687 |
| Net loans and leases to core deposits | 83.7321% | 2,803 |
| Total domestic deposits to total assets | 76.7551% | 5,653 |
| Equity capital to assets | 12.5889% | 1,636 |
| Core capital (leverage) ratio | 10.5655% | 2,889 |
| Tier 1 risk-based capital ratio | 12.8545% | 4,691 |
| Total risk-based capital ratio | 14.1275% | 4,589 |
| Memoranda: | ||
| Average total assets | $1,172,139,000 | 600 |
| Average earning assets | $1,038,872,000 | 619 |
| Average equity | $147,030,500 | 517 |
| Average total loans | $727,932,000 | 638 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6473% | 4,943 |
| Cost of funding earning assets | 0.7552% | 825 |
| Net interest margin | 2.8921% | 5,661 |
| Noninterest income to average assets | 0.2884% | 5,055 |
| Noninterest expense to average assets | 2.1183% | 5,529 |
| Loan and lease loss provision to assets | -0.0487% | 6,028 |
| Net operating income to assets | 3.9990% | 56 |
| Return on assets (ROA) | 4.0204% | 57 |
| Pretax return on assets | 0.8340% | 4,130 |
| Return on Equity (ROE) | 34.8774% | 35 |
| Retained earnings to average equity (ytd only) | 34.8774% | 15 |
| Net charge-offs to loans | 0.0019% | 4,932 |
| Credit loss provision to net charge-offs | -4,053.8462% | 6,042 |
| Earnings coverage of net charge-offs (x) | 635.9231% | 78 |
| Efficiency ratio | 73.4443% | 2,940 |
| Assets per employee ($millions) | 6.4607% | 1,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6501% | 1,928 |
| Loan loss allowance to noncurrent loans | 980.3265% | 599 |
| Noncurrent assets plus other real estate owned to assets | 1.7152% | 1,557 |
| Noncurrent loans to loans | 0.1683% | 5,226 |
| Net loans and leases to total assets | 61.5505% | 3,564 |
| Net loans and leases to deposits | 79.8969% | 2,730 |
| Net loans and leases to core deposits | 84.6595% | 2,829 |
| Total domestic deposits to total assets | 77.0375% | 5,597 |
| Equity capital to assets | 12.4979% | 1,652 |
| Core capital (leverage) ratio | 10.3572% | 3,107 |
| Tier 1 risk-based capital ratio | 13.1778% | 4,605 |
| Total risk-based capital ratio | 14.4293% | 4,532 |
| Memoranda: | ||
| Average total assets | $1,082,194,000 | 622 |
| Average earning assets | $970,589,000 | 628 |
| Average equity | $124,748,400 | 588 |
| Average total loans | $670,022,600 | 650 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5767% | 5,204 |
| Cost of funding earning assets | 0.7631% | 831 |
| Net interest margin | 2.8136% | 5,856 |
| Noninterest income to average assets | 0.3647% | 4,512 |
| Noninterest expense to average assets | 2.1620% | 5,428 |
| Loan and lease loss provision to assets | -0.0119% | 6,096 |
| Net operating income to assets | 5.1714% | 44 |
| Return on assets (ROA) | 5.1898% | 44 |
| Pretax return on assets | 0.7651% | 4,486 |
| Return on Equity (ROE) | 46.0835% | 18 |
| Retained earnings to average equity (ytd only) | 46.0835% | 8 |
| Net charge-offs to loans | 0.0122% | 4,317 |
| Credit loss provision to net charge-offs | -158.3333% | 5,518 |
| Earnings coverage of net charge-offs (x) | 97.5475% | 598 |
| Efficiency ratio | 74.5818% | 2,721 |
| Assets per employee ($millions) | 6.4188% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8535% | 1,566 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5446% | 1,019 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 59.0997% | 3,914 |
| Net loans and leases to deposits | 76.7487% | 3,103 |
| Net loans and leases to core deposits | 81.3036% | 3,172 |
| Total domestic deposits to total assets | 77.0041% | 5,677 |
| Equity capital to assets | 12.7171% | 1,573 |
| Core capital (leverage) ratio | 10.5759% | 2,952 |
| Tier 1 risk-based capital ratio | 13.3612% | 4,633 |
| Total risk-based capital ratio | 14.6140% | 4,563 |
| Memoranda: | ||
| Average total assets | $1,062,011,500 | 629 |
| Average earning assets | $955,749,500 | 637 |
| Average equity | $119,600,250 | 609 |
| Average total loans | $655,579,500 | 659 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5722% | 5,229 |
| Cost of funding earning assets | 0.7705% | 829 |
| Net interest margin | 2.8017% | 5,907 |
| Noninterest income to average assets | 0.3886% | 4,329 |
| Noninterest expense to average assets | 2.2209% | 5,358 |
| Loan and lease loss provision to assets | -0.0038% | 6,211 |
| Net operating income to assets | 7.5813% | 26 |
| Return on assets (ROA) | 7.6020% | 25 |
| Pretax return on assets | 0.7370% | 4,508 |
| Return on Equity (ROE) | 70.7384% | 10 |
| Retained earnings to average equity (ytd only) | 70.7384% | 4 |
| Net charge-offs to loans | 0.0611% | 3,107 |
| Credit loss provision to net charge-offs | -10.0503% | 5,077 |
| Earnings coverage of net charge-offs (x) | 18.7236% | 1,666 |
| Efficiency ratio | 75.6584% | 2,699 |
| Assets per employee ($millions) | 6.0377% | 1,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9146% | 1,548 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6078% | 1,042 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 58.1235% | 3,973 |
| Net loans and leases to deposits | 74.2788% | 3,288 |
| Net loans and leases to core deposits | 78.7980% | 3,341 |
| Total domestic deposits to total assets | 78.2504% | 5,588 |
| Equity capital to assets | 12.9074% | 1,421 |
| Core capital (leverage) ratio | 10.9005% | 2,528 |
| Tier 1 risk-based capital ratio | 14.2088% | 4,124 |
| Total risk-based capital ratio | 15.4630% | 4,051 |
| Memoranda: | ||
| Average total assets | $1,045,862,670 | 637 |
| Average earning assets | $950,002,330 | 637 |
| Average equity | $112,394,330 | 639 |
| Average total loans | $651,215,670 | 657 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6158% | 5,127 |
| Cost of funding earning assets | 0.7840% | 813 |
| Net interest margin | 2.8318% | 5,875 |
| Noninterest income to average assets | 0.5200% | 3,270 |
| Noninterest expense to average assets | 2.4825% | 4,676 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6370% | 4,013 |
| Return on assets (ROA) | 0.6698% | 3,929 |
| Pretax return on assets | 0.6698% | 4,598 |
| Return on Equity (ROE) | 6.9759% | 3,488 |
| Retained earnings to average equity (ytd only) | 6.9759% | 2,060 |
| Net charge-offs to loans | 0.1081% | 2,097 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 9.2260% | 1,954 |
| Efficiency ratio | 79.5298% | 2,270 |
| Assets per employee ($millions) | 5.3652% | 1,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8870% | 1,796 |
| Loan loss allowance to noncurrent loans | 117.8286% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 3.7746% | 661 |
| Noncurrent loans to loans | 1.6015% | 2,416 |
| Net loans and leases to total assets | 62.1221% | 3,220 |
| Net loans and leases to deposits | 75.5752% | 2,861 |
| Net loans and leases to core deposits | 80.0242% | 2,961 |
| Total domestic deposits to total assets | 82.1990% | 4,885 |
| Equity capital to assets | 9.6718% | 4,266 |
| Core capital (leverage) ratio | 10.1505% | 3,349 |
| Tier 1 risk-based capital ratio | 13.5191% | 4,669 |
| Total risk-based capital ratio | 14.7733% | 4,606 |
| Memoranda: | ||
| Average total assets | $1,025,401,500 | 654 |
| Average earning assets | $941,302,500 | 647 |
| Average equity | $98,453,500 | 739 |
| Average total loans | $654,820,000 | 657 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6333% | 5,324 |
| Cost of funding earning assets | 0.8347% | 1,026 |
| Net interest margin | 2.7986% | 5,985 |
| Noninterest income to average assets | 0.0963% | 6,399 |
| Noninterest expense to average assets | 2.5967% | 4,475 |
| Loan and lease loss provision to assets | -0.7456% | 6,779 |
| Net operating income to assets | 0.7976% | 3,300 |
| Return on assets (ROA) | 0.6596% | 4,090 |
| Pretax return on assets | 0.6596% | 4,669 |
| Return on Equity (ROE) | 7.1701% | 3,477 |
| Retained earnings to average equity (ytd only) | 7.1701% | 1,371 |
| Net charge-offs to loans | 1.3551% | 365 |
| Credit loss provision to net charge-offs | -91.0561% | 5,861 |
| Earnings coverage of net charge-offs (x) | 0.0635% | 5,070 |
| Efficiency ratio | 97.9773% | 544 |
| Assets per employee ($millions) | 5.3438% | 1,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9188% | 1,742 |
| Loan loss allowance to noncurrent loans | 119.5143% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 3.9662% | 678 |
| Noncurrent loans to loans | 1.6055% | 2,499 |
| Net loans and leases to total assets | 63.1777% | 3,185 |
| Net loans and leases to deposits | 76.4810% | 2,918 |
| Net loans and leases to core deposits | 80.5568% | 3,059 |
| Total domestic deposits to total assets | 82.6057% | 4,676 |
| Equity capital to assets | 9.5298% | 4,380 |
| Core capital (leverage) ratio | 10.0098% | 3,561 |
| Tier 1 risk-based capital ratio | 13.3284% | 4,767 |
| Total risk-based capital ratio | 14.5893% | 4,701 |
| Memoranda: | ||
| Average total assets | $996,718,800 | 658 |
| Average earning assets | $909,032,800 | 656 |
| Average equity | $91,686,800 | 765 |
| Average total loans | $602,322,800 | 693 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6152% | 5,403 |
| Cost of funding earning assets | 0.8403% | 1,094 |
| Net interest margin | 2.7749% | 6,053 |
| Noninterest income to average assets | 0.0146% | 6,706 |
| Noninterest expense to average assets | 2.6215% | 4,321 |
| Loan and lease loss provision to assets | -0.8870% | 6,868 |
| Net operating income to assets | 0.8081% | 3,300 |
| Return on assets (ROA) | 0.6647% | 4,180 |
| Pretax return on assets | 0.6647% | 4,807 |
| Return on Equity (ROE) | 7.2933% | 3,492 |
| Retained earnings to average equity (ytd only) | 7.2933% | 1,742 |
| Net charge-offs to loans | 0.7813% | 758 |
| Credit loss provision to net charge-offs | -191.0828% | 5,888 |
| Earnings coverage of net charge-offs (x) | -0.1699% | 4,909 |
| Efficiency ratio | 103.0393% | 379 |
| Assets per employee ($millions) | 5.4854% | 1,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8782% | 627 |
| Loan loss allowance to noncurrent loans | 121.8443% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 4.5187% | 668 |
| Noncurrent loans to loans | 2.3622% | 1,864 |
| Net loans and leases to total assets | 60.4760% | 3,625 |
| Net loans and leases to deposits | 73.3067% | 3,349 |
| Net loans and leases to core deposits | 77.3384% | 3,451 |
| Total domestic deposits to total assets | 82.4973% | 4,759 |
| Equity capital to assets | 9.5052% | 4,549 |
| Core capital (leverage) ratio | 10.0398% | 3,624 |
| Tier 1 risk-based capital ratio | 13.2905% | 4,910 |
| Total risk-based capital ratio | 14.5544% | 4,837 |
| Memoranda: | ||
| Average total assets | $992,067,500 | 663 |
| Average earning assets | $903,779,000 | 661 |
| Average equity | $90,419,000 | 786 |
| Average total loans | $589,401,750 | 709 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6165% | 5,383 |
| Cost of funding earning assets | 0.8511% | 1,133 |
| Net interest margin | 2.7655% | 6,071 |
| Noninterest income to average assets | 0.1176% | 6,465 |
| Noninterest expense to average assets | 3.0627% | 2,789 |
| Loan and lease loss provision to assets | -1.1964% | 6,923 |
| Net operating income to assets | 0.7689% | 3,473 |
| Return on assets (ROA) | 0.5497% | 4,722 |
| Pretax return on assets | 0.5497% | 5,201 |
| Return on Equity (ROE) | 6.1210% | 4,097 |
| Retained earnings to average equity (ytd only) | 6.1210% | 2,362 |
| Net charge-offs to loans | 1.2176% | 473 |
| Credit loss provision to net charge-offs | -168.1391% | 5,701 |
| Earnings coverage of net charge-offs (x) | -0.6007% | 4,673 |
| Efficiency ratio | 116.1588% | 211 |
| Assets per employee ($millions) | 5.2889% | 1,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2293% | 475 |
| Loan loss allowance to noncurrent loans | 114.8057% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 4.8537% | 638 |
| Noncurrent loans to loans | 2.8128% | 1,606 |
| Net loans and leases to total assets | 55.8665% | 4,318 |
| Net loans and leases to deposits | 67.5797% | 4,071 |
| Net loans and leases to core deposits | 71.3430% | 4,130 |
| Total domestic deposits to total assets | 82.6676% | 4,825 |
| Equity capital to assets | 9.3557% | 4,777 |
| Core capital (leverage) ratio | 10.0657% | 3,423 |
| Tier 1 risk-based capital ratio | 14.0657% | 4,377 |
| Total risk-based capital ratio | 15.3327% | 4,326 |
| Memoranda: | ||
| Average total assets | $986,321,330 | 666 |
| Average earning assets | $897,928,000 | 663 |
| Average equity | $88,579,670 | 801 |
| Average total loans | $576,376,670 | 721 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5846% | 5,488 |
| Cost of funding earning assets | 0.8679% | 1,162 |
| Net interest margin | 2.7167% | 6,193 |
| Noninterest income to average assets | 0.0622% | 6,690 |
| Noninterest expense to average assets | 2.4720% | 4,858 |
| Loan and lease loss provision to assets | -0.4094% | 6,939 |
| Net operating income to assets | 0.4716% | 4,812 |
| Return on assets (ROA) | 0.6284% | 4,240 |
| Pretax return on assets | 0.6284% | 4,846 |
| Return on Equity (ROE) | 7.1510% | 3,410 |
| Retained earnings to average equity (ytd only) | 7.1510% | 2,089 |
| Net charge-offs to loans | 2.4181% | 176 |
| Credit loss provision to net charge-offs | -28.7936% | 5,009 |
| Earnings coverage of net charge-offs (x) | 0.0438% | 3,814 |
| Efficiency ratio | 97.4798% | 659 |
| Assets per employee ($millions) | 5.2994% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1489% | 249 |
| Loan loss allowance to noncurrent loans | 134.1913% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 5.2535% | 672 |
| Noncurrent loans to loans | 3.0918% | 1,612 |
| Net loans and leases to total assets | 55.7783% | 4,121 |
| Net loans and leases to deposits | 67.2338% | 3,881 |
| Net loans and leases to core deposits | 70.8058% | 3,969 |
| Total domestic deposits to total assets | 82.9617% | 4,864 |
| Equity capital to assets | 10.0484% | 4,085 |
| Core capital (leverage) ratio | 10.2009% | 3,147 |
| Tier 1 risk-based capital ratio | 14.3239% | 4,279 |
| Total risk-based capital ratio | 15.6011% | 4,229 |
| Memoranda: | ||
| Average total assets | $977,035,500 | 678 |
| Average earning assets | $889,032,500 | 678 |
| Average equity | $85,862,000 | 838 |
| Average total loans | $574,498,500 | 730 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0276% | 5,219 |
| Cost of funding earning assets | 1.0122% | 1,286 |
| Net interest margin | 3.0154% | 6,021 |
| Noninterest income to average assets | -0.1687% | 6,942 |
| Noninterest expense to average assets | 2.4717% | 5,181 |
| Loan and lease loss provision to assets | 0.2946% | 2,319 |
| Net operating income to assets | -0.1809% | 6,364 |
| Return on assets (ROA) | 0.0927% | 6,165 |
| Pretax return on assets | 0.0927% | 6,171 |
| Return on Equity (ROE) | 1.3007% | 6,062 |
| Retained earnings to average equity (ytd only) | 1.3007% | 5,218 |
| Net charge-offs to loans | 0.9751% | 1,126 |
| Credit loss provision to net charge-offs | 47.3057% | 4,759 |
| Earnings coverage of net charge-offs (x) | 0.1826% | 5,391 |
| Efficiency ratio | 95.5356% | 727 |
| Assets per employee ($millions) | 4.8128% | 2,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4780% | 194 |
| Loan loss allowance to noncurrent loans | 113.0245% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 6.0326% | 574 |
| Noncurrent loans to loans | 3.9619% | 1,193 |
| Net loans and leases to total assets | 57.9974% | 3,982 |
| Net loans and leases to deposits | 68.6970% | 3,874 |
| Net loans and leases to core deposits | 72.4326% | 3,990 |
| Total domestic deposits to total assets | 84.4251% | 4,112 |
| Equity capital to assets | 7.5222% | 6,627 |
| Core capital (leverage) ratio | 7.3838% | 6,545 |
| Tier 1 risk-based capital ratio | 10.2424% | 6,637 |
| Total risk-based capital ratio | 11.5231% | 6,593 |
| Memoranda: | ||
| Average total assets | $956,464,000 | 688 |
| Average earning assets | $873,618,400 | 681 |
| Average equity | $68,193,800 | 1,033 |
| Average total loans | $610,905,000 | 679 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0838% | 5,250 |
| Cost of funding earning assets | 1.0293% | 1,397 |
| Net interest margin | 3.0545% | 6,056 |
| Noninterest income to average assets | -0.2163% | 7,077 |
| Noninterest expense to average assets | 2.3966% | 5,411 |
| Loan and lease loss provision to assets | 0.5264% | 1,133 |
| Net operating income to assets | -0.3466% | 6,612 |
| Return on assets (ROA) | -0.0181% | 6,426 |
| Pretax return on assets | -0.0181% | 6,415 |
| Return on Equity (ROE) | -0.2567% | 6,434 |
| Retained earnings to average equity (ytd only) | -0.2567% | 6,131 |
| Net charge-offs to loans | 1.4376% | 616 |
| Credit loss provision to net charge-offs | 56.6721% | 4,246 |
| Earnings coverage of net charge-offs (x) | 0.1936% | 5,227 |
| Efficiency ratio | 92.9569% | 833 |
| Assets per employee ($millions) | 5.6072% | 1,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4313% | 225 |
| Loan loss allowance to noncurrent loans | 108.9148% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 6.7878% | 538 |
| Noncurrent loans to loans | 4.0686% | 1,243 |
| Net loans and leases to total assets | 57.7673% | 4,172 |
| Net loans and leases to deposits | 68.4972% | 4,098 |
| Net loans and leases to core deposits | 73.5712% | 4,034 |
| Total domestic deposits to total assets | 84.3352% | 4,061 |
| Equity capital to assets | 7.3007% | 6,817 |
| Core capital (leverage) ratio | 7.1626% | 6,761 |
| Tier 1 risk-based capital ratio | 9.8436% | 6,834 |
| Total risk-based capital ratio | 11.1236% | 6,812 |
| Memoranda: | ||
| Average total assets | $966,972,500 | 687 |
| Average earning assets | $884,097,000 | 677 |
| Average equity | $68,046,000 | 1,041 |
| Average total loans | $624,829,250 | 663 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0907% | 5,351 |
| Cost of funding earning assets | 1.0481% | 1,478 |
| Net interest margin | 3.0426% | 6,138 |
| Noninterest income to average assets | -0.2767% | 7,150 |
| Noninterest expense to average assets | 2.2958% | 5,753 |
| Loan and lease loss provision to assets | 0.7814% | 652 |
| Net operating income to assets | -0.5620% | 6,762 |
| Return on assets (ROA) | -0.1521% | 6,582 |
| Pretax return on assets | -0.1521% | 6,558 |
| Return on Equity (ROE) | -2.1872% | 6,632 |
| Retained earnings to average equity (ytd only) | -2.1872% | 6,383 |
| Net charge-offs to loans | 2.2119% | 351 |
| Credit loss provision to net charge-offs | 53.5709% | 3,966 |
| Earnings coverage of net charge-offs (x) | 0.1504% | 4,999 |
| Efficiency ratio | 91.2117% | 980 |
| Assets per employee ($millions) | 5.6710% | 1,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1089% | 323 |
| Loan loss allowance to noncurrent loans | 50.9113% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 8.8867% | 350 |
| Noncurrent loans to loans | 8.0706% | 425 |
| Net loans and leases to total assets | 60.1266% | 3,793 |
| Net loans and leases to deposits | 71.8820% | 3,631 |
| Net loans and leases to core deposits | 76.5929% | 3,706 |
| Total domestic deposits to total assets | 83.6462% | 4,468 |
| Equity capital to assets | 7.0506% | 6,903 |
| Core capital (leverage) ratio | 6.9274% | 6,838 |
| Tier 1 risk-based capital ratio | 9.3051% | 6,950 |
| Total risk-based capital ratio | 10.5823% | 6,946 |
| Memoranda: | ||
| Average total assets | $977,163,330 | 679 |
| Average earning assets | $896,669,330 | 665 |
| Average equity | $67,940,000 | 1,032 |
| Average total loans | $644,434,000 | 645 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0190% | 5,701 |
| Cost of funding earning assets | 1.0810% | 1,493 |
| Net interest margin | 2.9381% | 6,415 |
| Noninterest income to average assets | -0.0600% | 7,147 |
| Noninterest expense to average assets | 2.2357% | 5,952 |
| Loan and lease loss provision to assets | 1.0412% | 390 |
| Net operating income to assets | -0.6325% | 6,887 |
| Return on assets (ROA) | 0.1796% | 6,184 |
| Pretax return on assets | 0.1796% | 6,236 |
| Return on Equity (ROE) | 2.6012% | 5,865 |
| Retained earnings to average equity (ytd only) | 2.6012% | 4,958 |
| Net charge-offs to loans | 1.2423% | 817 |
| Credit loss provision to net charge-offs | 124.1179% | 1,924 |
| Earnings coverage of net charge-offs (x) | 0.4872% | 4,095 |
| Efficiency ratio | 84.4833% | 1,638 |
| Assets per employee ($millions) | 5.6828% | 1,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4405% | 257 |
| Loan loss allowance to noncurrent loans | 42.6576% | 5,468 |
| Noncurrent assets plus other real estate owned to assets | 9.5297% | 338 |
| Noncurrent loans to loans | 10.4097% | 277 |
| Net loans and leases to total assets | 61.6718% | 3,323 |
| Net loans and leases to deposits | 74.2926% | 3,083 |
| Net loans and leases to core deposits | 78.8842% | 3,202 |
| Total domestic deposits to total assets | 83.0121% | 4,922 |
| Equity capital to assets | 6.8143% | 6,966 |
| Core capital (leverage) ratio | 6.9813% | 6,845 |
| Tier 1 risk-based capital ratio | 9.2029% | 7,009 |
| Total risk-based capital ratio | 10.4854% | 7,004 |
| Memoranda: | ||
| Average total assets | $986,545,000 | 674 |
| Average earning assets | $908,078,000 | 661 |
| Average equity | $68,123,500 | 1,029 |
| Average total loans | $666,178,500 | 626 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5156% | 5,013 |
| Cost of funding earning assets | 1.4125% | 985 |
| Net interest margin | 3.1031% | 6,338 |
| Noninterest income to average assets | -0.5732% | 7,275 |
| Noninterest expense to average assets | 2.4386% | 5,663 |
| Loan and lease loss provision to assets | 2.1107% | 258 |
| Net operating income to assets | -2.8493% | 7,160 |
| Return on assets (ROA) | -2.6596% | 7,144 |
| Pretax return on assets | -2.0920% | 7,047 |
| Return on Equity (ROE) | -34.7331% | 7,128 |
| Retained earnings to average equity (ytd only) | -34.7331% | 7,122 |
| Net charge-offs to loans | 3.5605% | 208 |
| Credit loss provision to net charge-offs | 83.5008% | 4,302 |
| Earnings coverage of net charge-offs (x) | -0.0676% | 5,876 |
| Efficiency ratio | 107.4717% | 489 |
| Assets per employee ($millions) | 5.6242% | 1,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0549% | 371 |
| Loan loss allowance to noncurrent loans | 33.0516% | 6,004 |
| Noncurrent assets plus other real estate owned to assets | 11.9910% | 211 |
| Noncurrent loans to loans | 12.2685% | 208 |
| Net loans and leases to total assets | 67.7024% | 2,456 |
| Net loans and leases to deposits | 80.4059% | 2,446 |
| Net loans and leases to core deposits | 85.8374% | 2,654 |
| Total domestic deposits to total assets | 84.2007% | 4,237 |
| Equity capital to assets | 6.9977% | 6,964 |
| Core capital (leverage) ratio | 6.5416% | 6,973 |
| Tier 1 risk-based capital ratio | 8.5775% | 7,074 |
| Total risk-based capital ratio | 9.8563% | 7,073 |
| Memoranda: | ||
| Average total assets | $1,117,802,200 | 587 |
| Average earning assets | $1,023,366,200 | 571 |
| Average equity | $85,592,600 | 785 |
| Average total loans | $793,603,600 | 515 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5350% | 5,142 |
| Cost of funding earning assets | 1.4643% | 976 |
| Net interest margin | 3.0707% | 6,447 |
| Noninterest income to average assets | -0.4285% | 7,332 |
| Noninterest expense to average assets | 2.2983% | 6,044 |
| Loan and lease loss provision to assets | 1.9543% | 284 |
| Net operating income to assets | -1.8712% | 7,116 |
| Return on assets (ROA) | -1.8684% | 7,125 |
| Pretax return on assets | -1.8684% | 7,096 |
| Return on Equity (ROE) | -23.9627% | 7,157 |
| Retained earnings to average equity (ytd only) | -23.9627% | 7,146 |
| Net charge-offs to loans | 2.6529% | 401 |
| Credit loss provision to net charge-offs | 103.6251% | 3,212 |
| Earnings coverage of net charge-offs (x) | 0.0440% | 5,566 |
| Efficiency ratio | 96.4539% | 791 |
| Assets per employee ($millions) | 5.8579% | 1,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5557% | 250 |
| Loan loss allowance to noncurrent loans | 35.8685% | 5,909 |
| Noncurrent assets plus other real estate owned to assets | 12.0124% | 227 |
| Noncurrent loans to loans | 12.7011% | 209 |
| Net loans and leases to total assets | 65.7057% | 2,964 |
| Net loans and leases to deposits | 80.9018% | 2,535 |
| Net loans and leases to core deposits | 85.4953% | 2,850 |
| Total domestic deposits to total assets | 81.2166% | 5,364 |
| Equity capital to assets | 7.9087% | 6,751 |
| Core capital (leverage) ratio | 6.8239% | 7,000 |
| Tier 1 risk-based capital ratio | 8.8909% | 7,126 |
| Total risk-based capital ratio | 10.1754% | 7,121 |
| Memoranda: | ||
| Average total assets | $1,152,600,750 | 570 |
| Average earning assets | $1,054,681,250 | 564 |
| Average equity | $89,870,750 | 753 |
| Average total loans | $819,369,000 | 513 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5763% | 5,069 |
| Cost of funding earning assets | 1.5236% | 927 |
| Net interest margin | 3.0527% | 6,503 |
| Noninterest income to average assets | -0.4959% | 7,426 |
| Noninterest expense to average assets | 2.3822% | 5,900 |
| Loan and lease loss provision to assets | 1.9858% | 309 |
| Net operating income to assets | -2.0698% | 7,200 |
| Return on assets (ROA) | -2.0658% | 7,207 |
| Pretax return on assets | -2.0658% | 7,176 |
| Return on Equity (ROE) | -26.6075% | 7,213 |
| Retained earnings to average equity (ytd only) | -26.6075% | 7,204 |
| Net charge-offs to loans | 2.8543% | 382 |
| Credit loss provision to net charge-offs | 96.9552% | 3,249 |
| Earnings coverage of net charge-offs (x) | -0.0410% | 5,310 |
| Efficiency ratio | 103.5961% | 621 |
| Assets per employee ($millions) | 5.6514% | 1,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1799% | 362 |
| Loan loss allowance to noncurrent loans | 31.0334% | 6,202 |
| Noncurrent assets plus other real estate owned to assets | 13.4861% | 190 |
| Noncurrent loans to loans | 13.4691% | 184 |
| Net loans and leases to total assets | 64.2117% | 3,415 |
| Net loans and leases to deposits | 77.9448% | 3,128 |
| Net loans and leases to core deposits | 86.5640% | 2,813 |
| Total domestic deposits to total assets | 82.3810% | 5,032 |
| Equity capital to assets | 7.4920% | 6,947 |
| Core capital (leverage) ratio | 6.6588% | 7,087 |
| Tier 1 risk-based capital ratio | 8.6814% | 7,202 |
| Total risk-based capital ratio | 9.9608% | 7,203 |
| Memoranda: | ||
| Average total assets | $1,183,373,670 | 563 |
| Average earning assets | $1,083,113,000 | 552 |
| Average equity | $91,876,330 | 744 |
| Average total loans | $849,185,670 | 505 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6459% | 4,754 |
| Cost of funding earning assets | 1.5300% | 1,054 |
| Net interest margin | 3.1159% | 6,303 |
| Noninterest income to average assets | -0.3497% | 7,469 |
| Noninterest expense to average assets | 2.3764% | 5,960 |
| Loan and lease loss provision to assets | 1.6686% | 364 |
| Net operating income to assets | -1.5268% | 7,208 |
| Return on assets (ROA) | -1.5288% | 7,210 |
| Pretax return on assets | -1.5288% | 7,169 |
| Return on Equity (ROE) | -19.3643% | 7,211 |
| Retained earnings to average equity (ytd only) | -19.3643% | 7,143 |
| Net charge-offs to loans | 2.6578% | 413 |
| Credit loss provision to net charge-offs | 84.7889% | 3,044 |
| Earnings coverage of net charge-offs (x) | 0.0721% | 4,540 |
| Efficiency ratio | 94.3149% | 1,024 |
| Assets per employee ($millions) | 6.0059% | 1,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7247% | 519 |
| Loan loss allowance to noncurrent loans | 24.5798% | 6,568 |
| Noncurrent assets plus other real estate owned to assets | 14.5518% | 165 |
| Noncurrent loans to loans | 15.1533% | 146 |
| Net loans and leases to total assets | 69.3979% | 2,242 |
| Net loans and leases to deposits | 83.2057% | 2,156 |
| Net loans and leases to core deposits | 91.8886% | 2,143 |
| Total domestic deposits to total assets | 83.4052% | 4,741 |
| Equity capital to assets | 7.8044% | 6,674 |
| Core capital (leverage) ratio | 7.0803% | 6,968 |
| Tier 1 risk-based capital ratio | 8.7908% | 7,240 |
| Total risk-based capital ratio | 10.0661% | 7,241 |
| Memoranda: | ||
| Average total assets | $1,198,621,500 | 559 |
| Average earning assets | $1,103,252,000 | 542 |
| Average equity | $94,627,500 | 717 |
| Average total loans | $887,490,500 | 490 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9616% | 4,736 |
| Cost of funding earning assets | 1.8369% | 1,038 |
| Net interest margin | 3.1247% | 6,451 |
| Noninterest income to average assets | -0.2407% | 7,484 |
| Noninterest expense to average assets | 1.7685% | 7,291 |
| Loan and lease loss provision to assets | 2.6612% | 398 |
| Net operating income to assets | -2.3553% | 7,154 |
| Return on assets (ROA) | -2.3825% | 7,167 |
| Pretax return on assets | -1.8189% | 6,969 |
| Return on Equity (ROE) | -27.3183% | 7,181 |
| Retained earnings to average equity (ytd only) | -27.3183% | 7,168 |
| Net charge-offs to loans | 2.9083% | 584 |
| Credit loss provision to net charge-offs | 121.2219% | 3,469 |
| Earnings coverage of net charge-offs (x) | 0.3960% | 5,710 |
| Efficiency ratio | 66.9971% | 4,764 |
| Assets per employee ($millions) | 6.3233% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5556% | 576 |
| Loan loss allowance to noncurrent loans | 23.1977% | 6,682 |
| Noncurrent assets plus other real estate owned to assets | 13.8381% | 200 |
| Noncurrent loans to loans | 15.3273% | 154 |
| Net loans and leases to total assets | 73.2520% | 1,816 |
| Net loans and leases to deposits | 88.4872% | 1,722 |
| Net loans and leases to core deposits | 98.6615% | 1,732 |
| Total domestic deposits to total assets | 82.7826% | 4,889 |
| Equity capital to assets | 7.9827% | 6,511 |
| Core capital (leverage) ratio | 7.2883% | 6,849 |
| Tier 1 risk-based capital ratio | 8.7577% | 7,284 |
| Total risk-based capital ratio | 10.0319% | 7,294 |
| Memoranda: | ||
| Average total assets | $1,327,159,600 | 506 |
| Average earning assets | $1,222,651,800 | 497 |
| Average equity | $115,743,000 | 586 |
| Average total loans | $1,001,795,400 | 446 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0528% | 4,579 |
| Cost of funding earning assets | 1.9073% | 1,011 |
| Net interest margin | 3.1456% | 6,494 |
| Noninterest income to average assets | -0.0002% | 7,455 |
| Noninterest expense to average assets | 1.7281% | 7,415 |
| Loan and lease loss provision to assets | 2.8741% | 321 |
| Net operating income to assets | -1.0063% | 6,904 |
| Return on assets (ROA) | -1.0146% | 6,957 |
| Pretax return on assets | -1.7226% | 7,114 |
| Return on Equity (ROE) | -11.4169% | 6,982 |
| Retained earnings to average equity (ytd only) | -11.4169% | 6,943 |
| Net charge-offs to loans | 2.9638% | 532 |
| Credit loss provision to net charge-offs | 128.6456% | 3,157 |
| Earnings coverage of net charge-offs (x) | 0.5212% | 5,505 |
| Efficiency ratio | 59.7021% | 5,998 |
| Assets per employee ($millions) | 6.3014% | 1,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4347% | 569 |
| Loan loss allowance to noncurrent loans | 31.2863% | 6,265 |
| Noncurrent assets plus other real estate owned to assets | 10.9710% | 330 |
| Noncurrent loans to loans | 10.9782% | 350 |
| Net loans and leases to total assets | 74.6096% | 1,659 |
| Net loans and leases to deposits | 92.5145% | 1,383 |
| Net loans and leases to core deposits | 103.6625% | 1,516 |
| Total domestic deposits to total assets | 80.6464% | 5,502 |
| Equity capital to assets | 9.4264% | 4,952 |
| Core capital (leverage) ratio | 7.4231% | 6,909 |
| Tier 1 risk-based capital ratio | 8.7545% | 7,409 |
| Total risk-based capital ratio | 10.0268% | 7,417 |
| Memoranda: | ||
| Average total assets | $1,355,429,500 | 492 |
| Average earning assets | $1,246,506,250 | 483 |
| Average equity | $120,449,750 | 559 |
| Average total loans | $1,021,713,000 | 438 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0428% | 4,732 |
| Cost of funding earning assets | 1.9648% | 1,001 |
| Net interest margin | 3.0780% | 6,658 |
| Noninterest income to average assets | 0.0098% | 7,495 |
| Noninterest expense to average assets | 1.6386% | 7,541 |
| Loan and lease loss provision to assets | 2.0610% | 597 |
| Net operating income to assets | -0.4903% | 6,643 |
| Return on assets (ROA) | -0.4775% | 6,669 |
| Pretax return on assets | -0.8300% | 6,799 |
| Return on Equity (ROE) | -5.4730% | 6,739 |
| Retained earnings to average equity (ytd only) | -5.4730% | 6,610 |
| Net charge-offs to loans | 2.1786% | 821 |
| Credit loss provision to net charge-offs | 126.4485% | 3,189 |
| Earnings coverage of net charge-offs (x) | 0.7430% | 5,008 |
| Efficiency ratio | 57.4607% | 6,457 |
| Assets per employee ($millions) | 6.8733% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9397% | 877 |
| Loan loss allowance to noncurrent loans | 37.8775% | 5,827 |
| Noncurrent assets plus other real estate owned to assets | 8.0989% | 604 |
| Noncurrent loans to loans | 7.7610% | 676 |
| Net loans and leases to total assets | 72.1824% | 2,346 |
| Net loans and leases to deposits | 87.9431% | 2,180 |
| Net loans and leases to core deposits | 100.3098% | 1,983 |
| Total domestic deposits to total assets | 82.0785% | 4,951 |
| Equity capital to assets | 9.0184% | 5,417 |
| Core capital (leverage) ratio | 7.6598% | 6,661 |
| Tier 1 risk-based capital ratio | 8.9871% | 7,420 |
| Total risk-based capital ratio | 10.2535% | 7,428 |
| Memoranda: | ||
| Average total assets | $1,391,348,670 | 480 |
| Average earning assets | $1,283,690,330 | 468 |
| Average equity | $121,396,330 | 550 |
| Average total loans | $1,040,953,000 | 433 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0908% | 4,574 |
| Cost of funding earning assets | 1.9836% | 1,147 |
| Net interest margin | 3.1072% | 6,570 |
| Noninterest income to average assets | 0.0051% | 7,639 |
| Noninterest expense to average assets | 1.6423% | 7,626 |
| Loan and lease loss provision to assets | 1.6386% | 700 |
| Net operating income to assets | -0.2482% | 6,600 |
| Return on assets (ROA) | -0.2491% | 6,668 |
| Pretax return on assets | -0.4034% | 6,719 |
| Return on Equity (ROE) | -2.9016% | 6,725 |
| Retained earnings to average equity (ytd only) | -2.9016% | 6,341 |
| Net charge-offs to loans | 2.3585% | 715 |
| Credit loss provision to net charge-offs | 92.5938% | 3,598 |
| Earnings coverage of net charge-offs (x) | 0.6988% | 4,403 |
| Efficiency ratio | 57.0063% | 6,629 |
| Assets per employee ($millions) | 7.2576% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5122% | 1,278 |
| Loan loss allowance to noncurrent loans | 44.0084% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 6.3504% | 913 |
| Noncurrent loans to loans | 5.7084% | 1,190 |
| Net loans and leases to total assets | 73.1807% | 2,156 |
| Net loans and leases to deposits | 88.6939% | 2,096 |
| Net loans and leases to core deposits | 101.7832% | 1,935 |
| Total domestic deposits to total assets | 82.5093% | 4,846 |
| Equity capital to assets | 8.7518% | 5,648 |
| Core capital (leverage) ratio | 7.7128% | 6,613 |
| Tier 1 risk-based capital ratio | 9.1367% | 7,449 |
| Total risk-based capital ratio | 10.3987% | 7,454 |
| Memoranda: | ||
| Average total assets | $1,410,003,500 | 484 |
| Average earning assets | $1,304,066,500 | 477 |
| Average equity | $121,038,000 | 556 |
| Average total loans | $1,057,939,500 | 445 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2992% | 5,177 |
| Cost of funding earning assets | 2.6677% | 636 |
| Net interest margin | 2.6315% | 7,304 |
| Noninterest income to average assets | -0.1161% | 7,812 |
| Noninterest expense to average assets | 1.6628% | 7,728 |
| Loan and lease loss provision to assets | 3.0442% | 564 |
| Net operating income to assets | -1.5188% | 6,868 |
| Return on assets (ROA) | -1.4734% | 6,851 |
| Pretax return on assets | -2.2813% | 7,055 |
| Return on Equity (ROE) | -16.0607% | 6,993 |
| Retained earnings to average equity (ytd only) | -16.0607% | 6,941 |
| Net charge-offs to loans | 2.6038% | 870 |
| Credit loss provision to net charge-offs | 148.6491% | 3,132 |
| Earnings coverage of net charge-offs (x) | 0.3384% | 5,779 |
| Efficiency ratio | 70.5348% | 4,519 |
| Assets per employee ($millions) | 7.5068% | 645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4741% | 1,266 |
| Loan loss allowance to noncurrent loans | 52.3299% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 5.2903% | 1,119 |
| Noncurrent loans to loans | 4.7279% | 1,474 |
| Net loans and leases to total assets | 73.1411% | 2,470 |
| Net loans and leases to deposits | 87.6802% | 2,613 |
| Net loans and leases to core deposits | 114.3807% | 2,470 |
| Total domestic deposits to total assets | 83.4180% | 4,324 |
| Equity capital to assets | 8.4222% | 6,026 |
| Core capital (leverage) ratio | 7.6184% | 6,658 |
| Tier 1 risk-based capital ratio | 8.9233% | 7,503 |
| Total risk-based capital ratio | 10.1748% | 7,520 |
| Memoranda: | ||
| Average total assets | $1,440,462,400 | 472 |
| Average earning assets | $1,353,140,000 | 458 |
| Average equity | $132,149,000 | 508 |
| Average total loans | $1,132,931,200 | 432 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3367% | 5,237 |
| Cost of funding earning assets | 2.7120% | 768 |
| Net interest margin | 2.6246% | 7,324 |
| Noninterest income to average assets | -0.0778% | 7,913 |
| Noninterest expense to average assets | 1.6162% | 7,819 |
| Loan and lease loss provision to assets | 2.0294% | 881 |
| Net operating income to assets | -0.8108% | 6,699 |
| Return on assets (ROA) | -0.7815% | 6,683 |
| Pretax return on assets | -1.2044% | 6,817 |
| Return on Equity (ROE) | -8.3486% | 6,761 |
| Retained earnings to average equity (ytd only) | -8.3486% | 6,641 |
| Net charge-offs to loans | 1.2391% | 1,647 |
| Credit loss provision to net charge-offs | 205.8520% | 2,159 |
| Earnings coverage of net charge-offs (x) | 0.7911% | 5,263 |
| Efficiency ratio | 67.4036% | 5,098 |
| Assets per employee ($millions) | 7.1156% | 746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0946% | 1,605 |
| Loan loss allowance to noncurrent loans | 37.0615% | 5,909 |
| Noncurrent assets plus other real estate owned to assets | 5.3588% | 1,080 |
| Noncurrent loans to loans | 5.6516% | 1,097 |
| Net loans and leases to total assets | 77.3170% | 1,717 |
| Net loans and leases to deposits | 96.4420% | 1,517 |
| Net loans and leases to core deposits | 125.7668% | 1,754 |
| Total domestic deposits to total assets | 80.1695% | 5,377 |
| Equity capital to assets | 9.5237% | 4,715 |
| Core capital (leverage) ratio | 9.3752% | 4,081 |
| Tier 1 risk-based capital ratio | 10.5041% | 6,465 |
| Total risk-based capital ratio | 11.7683% | 6,405 |
| Memoranda: | ||
| Average total assets | $1,442,126,750 | 486 |
| Average earning assets | $1,359,289,750 | 472 |
| Average equity | $134,996,750 | 509 |
| Average total loans | $1,147,337,750 | 441 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3522% | 5,389 |
| Cost of funding earning assets | 2.8043% | 781 |
| Net interest margin | 2.5479% | 7,415 |
| Noninterest income to average assets | 0.0019% | 7,934 |
| Noninterest expense to average assets | 1.6460% | 7,885 |
| Loan and lease loss provision to assets | 1.5810% | 1,074 |
| Net operating income to assets | -0.5179% | 6,563 |
| Return on assets (ROA) | -0.5308% | 6,589 |
| Pretax return on assets | -0.8348% | 6,703 |
| Return on Equity (ROE) | -5.7025% | 6,680 |
| Retained earnings to average equity (ytd only) | -5.7025% | 6,406 |
| Net charge-offs to loans | 0.8314% | 2,031 |
| Credit loss provision to net charge-offs | 238.4423% | 1,953 |
| Earnings coverage of net charge-offs (x) | 1.1558% | 4,657 |
| Efficiency ratio | 68.1873% | 5,124 |
| Assets per employee ($millions) | 6.9573% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6473% | 2,537 |
| Loan loss allowance to noncurrent loans | 40.0551% | 5,710 |
| Noncurrent assets plus other real estate owned to assets | 4.2647% | 1,353 |
| Noncurrent loans to loans | 4.1125% | 1,619 |
| Net loans and leases to total assets | 79.5075% | 1,399 |
| Net loans and leases to deposits | 100.4000% | 1,247 |
| Net loans and leases to core deposits | 133.2165% | 1,353 |
| Total domestic deposits to total assets | 79.1907% | 5,752 |
| Equity capital to assets | 9.7771% | 4,244 |
| Core capital (leverage) ratio | 9.4550% | 3,952 |
| Tier 1 risk-based capital ratio | 10.6070% | 6,281 |
| Total risk-based capital ratio | 11.8634% | 6,209 |
| Memoranda: | ||
| Average total assets | $1,448,462,330 | 498 |
| Average earning assets | $1,370,324,670 | 480 |
| Average equity | $134,818,000 | 513 |
| Average total loans | $1,155,165,670 | 451 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3789% | 5,533 |
| Cost of funding earning assets | 2.8797% | 807 |
| Net interest margin | 2.4992% | 7,503 |
| Noninterest income to average assets | 0.0861% | 7,625 |
| Noninterest expense to average assets | 1.6240% | 7,891 |
| Loan and lease loss provision to assets | 0.4101% | 2,869 |
| Net operating income to assets | 0.2909% | 5,329 |
| Return on assets (ROA) | 0.2909% | 5,499 |
| Pretax return on assets | 0.4189% | 5,342 |
| Return on Equity (ROE) | 3.2037% | 5,274 |
| Retained earnings to average equity (ytd only) | 3.2037% | 4,088 |
| Net charge-offs to loans | 0.5563% | 2,075 |
| Credit loss provision to net charge-offs | 93.0521% | 3,943 |
| Earnings coverage of net charge-offs (x) | 1.8809% | 3,784 |
| Efficiency ratio | 66.1614% | 5,298 |
| Assets per employee ($millions) | 7.2066% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 5,794 |
| Loan loss allowance to noncurrent loans | 44.5321% | 5,554 |
| Noncurrent assets plus other real estate owned to assets | 2.6708% | 2,145 |
| Noncurrent loans to loans | 2.3661% | 2,779 |
| Net loans and leases to total assets | 77.1613% | 1,999 |
| Net loans and leases to deposits | 96.5830% | 1,859 |
| Net loans and leases to core deposits | 136.3385% | 1,283 |
| Total domestic deposits to total assets | 79.8912% | 5,406 |
| Equity capital to assets | 9.7196% | 4,353 |
| Core capital (leverage) ratio | 9.6143% | 3,857 |
| Tier 1 risk-based capital ratio | 10.9524% | 5,941 |
| Total risk-based capital ratio | 11.8870% | 6,171 |
| Memoranda: | ||
| Average total assets | $1,463,048,500 | 494 |
| Average earning assets | $1,385,556,000 | 477 |
| Average equity | $132,844,500 | 517 |
| Average total loans | $1,159,077,500 | 455 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1913% | 4,560 |
| Cost of funding earning assets | 3.3136% | 887 |
| Net interest margin | 2.8777% | 7,198 |
| Noninterest income to average assets | 0.1061% | 7,603 |
| Noninterest expense to average assets | 1.8788% | 7,651 |
| Loan and lease loss provision to assets | 0.6306% | 2,307 |
| Net operating income to assets | 0.2296% | 5,756 |
| Return on assets (ROA) | 0.2487% | 5,526 |
| Pretax return on assets | 0.3304% | 5,443 |
| Return on Equity (ROE) | 2.8050% | 5,306 |
| Retained earnings to average equity (ytd only) | 2.8050% | 3,437 |
| Net charge-offs to loans | 0.3932% | 2,848 |
| Credit loss provision to net charge-offs | 197.2859% | 2,479 |
| Earnings coverage of net charge-offs (x) | 2.9265% | 4,619 |
| Efficiency ratio | 66.7157% | 4,965 |
| Assets per employee ($millions) | 7.0328% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 5,620 |
| Loan loss allowance to noncurrent loans | 50.0940% | 5,489 |
| Noncurrent assets plus other real estate owned to assets | 2.5517% | 1,899 |
| Noncurrent loans to loans | 2.0975% | 2,633 |
| Net loans and leases to total assets | 79.6427% | 1,740 |
| Net loans and leases to deposits | 101.7150% | 1,612 |
| Net loans and leases to core deposits | 147.5407% | 958 |
| Total domestic deposits to total assets | 78.2999% | 5,615 |
| Equity capital to assets | 8.4277% | 6,211 |
| Core capital (leverage) ratio | 8.5771% | 5,431 |
| Tier 1 risk-based capital ratio | 9.3129% | 7,509 |
| Total risk-based capital ratio | 10.2552% | 7,777 |
| Memoranda: | ||
| Average total assets | $1,256,462,400 | 539 |
| Average earning assets | $1,182,414,600 | 522 |
| Average equity | $111,408,200 | 605 |
| Average total loans | $1,021,477,400 | 485 |