| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8998% | 3,536 |
| Cost of funding earning assets | 0.2367% | 2,301 |
| Net interest margin | 2.6631% | 3,497 |
| Noninterest income to average assets | 0.2143% | 3,874 |
| Noninterest expense to average assets | 2.0874% | 3,188 |
| Loan and lease loss provision to assets | -0.0674% | 4,548 |
| Net operating income to assets | 0.5074% | 3,692 |
| Return on assets (ROA) | 0.4800% | 3,729 |
| Pretax return on assets | 0.6577% | 3,498 |
| Return on Equity (ROE) | 3.2381% | 4,039 |
| Retained earnings to average equity (ytd only) | 3.2381% | 3,183 |
| Net charge-offs to loans | -0.0046% | 3,316 |
| Credit loss provision to net charge-offs | 2,625.0000% | 165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9577% | 1,413 |
| Assets per employee ($millions) | 9.0016% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5407% | 1,425 |
| Loan loss allowance to noncurrent loans | 59.3061% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.4385% | 259 |
| Noncurrent loans to loans | 2.5979% | 224 |
| Net loans and leases to total assets | 54.5199% | 2,690 |
| Net loans and leases to deposits | 66.2279% | 2,316 |
| Net loans and leases to core deposits | 67.2678% | 2,515 |
| Total domestic deposits to total assets | 82.3216% | 4,040 |
| Equity capital to assets | 14.9350% | 402 |
| Core capital (leverage) ratio | 14.7958% | 460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $623,358,000 | 1,447 |
| Average earning assets | $584,739,500 | 1,441 |
| Average equity | $92,399,500 | 1,054 |
| Average total loans | $349,449,500 | 1,522 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9517% | 3,959 |
| Cost of funding earning assets | 0.3158% | 2,240 |
| Net interest margin | 2.6359% | 3,984 |
| Noninterest income to average assets | 0.2564% | 3,842 |
| Noninterest expense to average assets | 2.2119% | 3,044 |
| Loan and lease loss provision to assets | 0.0422% | 2,207 |
| Net operating income to assets | 0.3524% | 4,344 |
| Return on assets (ROA) | 0.3508% | 4,371 |
| Pretax return on assets | 0.4722% | 4,290 |
| Return on Equity (ROE) | 2.4136% | 4,453 |
| Retained earnings to average equity (ytd only) | 2.4136% | 3,854 |
| Net charge-offs to loans | -0.0117% | 3,798 |
| Credit loss provision to net charge-offs | -604.6512% | 3,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0687% | 744 |
| Assets per employee ($millions) | 8.6889% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5213% | 1,481 |
| Loan loss allowance to noncurrent loans | 56.3087% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 1.5329% | 265 |
| Noncurrent loans to loans | 2.7016% | 242 |
| Net loans and leases to total assets | 55.8773% | 2,633 |
| Net loans and leases to deposits | 67.8416% | 2,325 |
| Net loans and leases to core deposits | 68.9400% | 2,555 |
| Total domestic deposits to total assets | 82.3644% | 3,910 |
| Equity capital to assets | 14.7116% | 539 |
| Core capital (leverage) ratio | 14.7758% | 494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $616,626,000 | 1,419 |
| Average earning assets | $578,274,200 | 1,418 |
| Average equity | $89,617,800 | 1,106 |
| Average total loans | $366,407,000 | 1,475 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9674% | 4,062 |
| Cost of funding earning assets | 0.3347% | 2,254 |
| Net interest margin | 2.6327% | 4,087 |
| Noninterest income to average assets | 0.2609% | 3,839 |
| Noninterest expense to average assets | 2.1471% | 3,227 |
| Loan and lease loss provision to assets | 0.0565% | 1,851 |
| Net operating income to assets | 0.3886% | 4,388 |
| Return on assets (ROA) | 0.3882% | 4,421 |
| Pretax return on assets | 0.5254% | 4,337 |
| Return on Equity (ROE) | 2.6797% | 4,506 |
| Retained earnings to average equity (ytd only) | 2.6797% | 4,008 |
| Net charge-offs to loans | -0.0069% | 3,537 |
| Credit loss provision to net charge-offs | -1,368.4211% | 3,920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6674% | 828 |
| Assets per employee ($millions) | 8.6068% | 1,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4804% | 1,707 |
| Loan loss allowance to noncurrent loans | 58.4348% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 1.4846% | 332 |
| Noncurrent loans to loans | 2.5335% | 292 |
| Net loans and leases to total assets | 57.7332% | 2,531 |
| Net loans and leases to deposits | 70.1848% | 2,223 |
| Net loans and leases to core deposits | 71.3016% | 2,491 |
| Total domestic deposits to total assets | 82.2588% | 3,874 |
| Equity capital to assets | 14.5143% | 634 |
| Core capital (leverage) ratio | 14.9956% | 492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $614,381,750 | 1,440 |
| Average earning assets | $576,067,250 | 1,433 |
| Average equity | $89,013,250 | 1,128 |
| Average total loans | $369,266,250 | 1,486 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0112% | 4,023 |
| Cost of funding earning assets | 0.3557% | 2,267 |
| Net interest margin | 2.6554% | 4,070 |
| Noninterest income to average assets | 0.2396% | 3,968 |
| Noninterest expense to average assets | 2.1211% | 3,329 |
| Loan and lease loss provision to assets | 0.0784% | 1,539 |
| Net operating income to assets | 0.3920% | 4,403 |
| Return on assets (ROA) | 0.3927% | 4,439 |
| Pretax return on assets | 0.5318% | 4,334 |
| Return on Equity (ROE) | 2.7124% | 4,524 |
| Retained earnings to average equity (ytd only) | 2.7124% | 3,937 |
| Net charge-offs to loans | -0.0070% | 3,538 |
| Credit loss provision to net charge-offs | -1,846.1538% | 3,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6874% | 934 |
| Assets per employee ($millions) | 8.1175% | 1,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4642% | 1,708 |
| Loan loss allowance to noncurrent loans | 56.6677% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 1.5507% | 355 |
| Noncurrent loans to loans | 2.5839% | 313 |
| Net loans and leases to total assets | 59.1373% | 2,527 |
| Net loans and leases to deposits | 71.9531% | 2,210 |
| Net loans and leases to core deposits | 73.1287% | 2,505 |
| Total domestic deposits to total assets | 82.1887% | 3,890 |
| Equity capital to assets | 14.6718% | 588 |
| Core capital (leverage) ratio | 14.9983% | 472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $612,613,333 | 1,437 |
| Average earning assets | $574,592,000 | 1,433 |
| Average equity | $88,703,333 | 1,119 |
| Average total loans | $371,308,000 | 1,479 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0464% | 3,991 |
| Cost of funding earning assets | 0.3797% | 2,267 |
| Net interest margin | 2.6667% | 4,029 |
| Noninterest income to average assets | 0.2200% | 4,066 |
| Noninterest expense to average assets | 2.0517% | 3,561 |
| Loan and lease loss provision to assets | 0.0911% | 1,460 |
| Net operating income to assets | 0.4251% | 4,322 |
| Return on assets (ROA) | 0.4251% | 4,349 |
| Pretax return on assets | 0.5780% | 4,223 |
| Return on Equity (ROE) | 2.9550% | 4,480 |
| Retained earnings to average equity (ytd only) | 2.9550% | 3,797 |
| Net charge-offs to loans | -0.0043% | 3,332 |
| Credit loss provision to net charge-offs | -3,500.0000% | 3,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4067% | 1,192 |
| Assets per employee ($millions) | 8.4143% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4038% | 1,940 |
| Loan loss allowance to noncurrent loans | 57.8413% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 1.4552% | 451 |
| Noncurrent loans to loans | 2.4269% | 392 |
| Net loans and leases to total assets | 59.1201% | 2,656 |
| Net loans and leases to deposits | 72.3617% | 2,275 |
| Net loans and leases to core deposits | 73.6070% | 2,549 |
| Total domestic deposits to total assets | 81.7008% | 3,956 |
| Equity capital to assets | 14.2509% | 620 |
| Core capital (leverage) ratio | 14.9995% | 478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $614,515,500 | 1,421 |
| Average earning assets | $576,284,500 | 1,415 |
| Average equity | $88,393,500 | 1,110 |
| Average total loans | $374,270,500 | 1,476 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2337% | 4,414 |
| Cost of funding earning assets | 0.6804% | 1,821 |
| Net interest margin | 2.5534% | 4,539 |
| Noninterest income to average assets | 0.4889% | 2,677 |
| Noninterest expense to average assets | 2.2029% | 3,657 |
| Loan and lease loss provision to assets | 0.1547% | 2,436 |
| Net operating income to assets | 0.3828% | 4,280 |
| Return on assets (ROA) | 0.3834% | 4,360 |
| Pretax return on assets | 0.5141% | 4,248 |
| Return on Equity (ROE) | 2.5584% | 4,468 |
| Retained earnings to average equity (ytd only) | 2.5584% | 3,570 |
| Net charge-offs to loans | 0.0283% | 2,471 |
| Credit loss provision to net charge-offs | 857.1429% | 859 |
| Earnings coverage of net charge-offs (x) | 37.0286% | 1,447 |
| Efficiency ratio | 76.7297% | 1,148 |
| Assets per employee ($millions) | 7.9786% | 1,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3585% | 2,159 |
| Loan loss allowance to noncurrent loans | 71.3566% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 1.1780% | 748 |
| Noncurrent loans to loans | 1.9039% | 626 |
| Net loans and leases to total assets | 61.0329% | 2,723 |
| Net loans and leases to deposits | 75.8909% | 2,294 |
| Net loans and leases to core deposits | 77.3752% | 2,608 |
| Total domestic deposits to total assets | 80.4219% | 3,973 |
| Equity capital to assets | 14.5212% | 675 |
| Core capital (leverage) ratio | 15.0846% | 498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $581,948,600 | 1,363 |
| Average earning assets | $542,930,600 | 1,369 |
| Average equity | $87,202,800 | 1,082 |
| Average total loans | $371,144,400 | 1,444 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3227% | 4,445 |
| Cost of funding earning assets | 0.7535% | 1,718 |
| Net interest margin | 2.5692% | 4,601 |
| Noninterest income to average assets | 0.2642% | 3,884 |
| Noninterest expense to average assets | 2.2047% | 3,668 |
| Loan and lease loss provision to assets | 0.1575% | 2,438 |
| Net operating income to assets | 0.2315% | 4,546 |
| Return on assets (ROA) | 0.2329% | 4,579 |
| Pretax return on assets | 0.2985% | 4,549 |
| Return on Equity (ROE) | 1.5419% | 4,614 |
| Retained earnings to average equity (ytd only) | 1.5419% | 4,069 |
| Net charge-offs to loans | 0.0400% | 2,057 |
| Credit loss provision to net charge-offs | 612.6126% | 1,153 |
| Earnings coverage of net charge-offs (x) | 17.6667% | 2,000 |
| Efficiency ratio | 82.9226% | 679 |
| Assets per employee ($millions) | 8.0516% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2873% | 2,209 |
| Loan loss allowance to noncurrent loans | 78.9593% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 1.0870% | 972 |
| Noncurrent loans to loans | 1.6304% | 860 |
| Net loans and leases to total assets | 61.8518% | 3,029 |
| Net loans and leases to deposits | 77.5933% | 2,577 |
| Net loans and leases to core deposits | 79.0104% | 2,923 |
| Total domestic deposits to total assets | 79.7129% | 3,923 |
| Equity capital to assets | 14.4920% | 733 |
| Core capital (leverage) ratio | 15.3102% | 491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $575,842,000 | 1,356 |
| Average earning assets | $536,701,750 | 1,359 |
| Average equity | $86,990,250 | 1,078 |
| Average total loans | $370,134,250 | 1,440 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4366% | 4,502 |
| Cost of funding earning assets | 0.8232% | 1,714 |
| Net interest margin | 2.6134% | 4,643 |
| Noninterest income to average assets | 0.2478% | 3,987 |
| Noninterest expense to average assets | 2.2493% | 3,656 |
| Loan and lease loss provision to assets | 0.1536% | 2,466 |
| Net operating income to assets | 0.2142% | 4,557 |
| Return on assets (ROA) | 0.2697% | 4,510 |
| Pretax return on assets | 0.3474% | 4,478 |
| Return on Equity (ROE) | 1.7600% | 4,572 |
| Retained earnings to average equity (ytd only) | 1.7600% | 3,848 |
| Net charge-offs to loans | 0.0648% | 1,595 |
| Credit loss provision to net charge-offs | 365.5462% | 1,480 |
| Earnings coverage of net charge-offs (x) | 10.2521% | 2,163 |
| Efficiency ratio | 83.9283% | 642 |
| Assets per employee ($millions) | 7.7698% | 1,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2156% | 2,434 |
| Loan loss allowance to noncurrent loans | 98.6963% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 0.8481% | 1,464 |
| Noncurrent loans to loans | 1.2316% | 1,268 |
| Net loans and leases to total assets | 62.7279% | 3,044 |
| Net loans and leases to deposits | 79.0607% | 2,533 |
| Net loans and leases to core deposits | 80.5812% | 2,905 |
| Total domestic deposits to total assets | 79.3414% | 3,965 |
| Equity capital to assets | 14.5651% | 720 |
| Core capital (leverage) ratio | 15.2109% | 540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $566,498,667 | 1,357 |
| Average earning assets | $527,200,667 | 1,357 |
| Average equity | $86,816,000 | 1,069 |
| Average total loans | $367,386,667 | 1,437 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6468% | 4,479 |
| Cost of funding earning assets | 0.8796% | 1,971 |
| Net interest margin | 2.7672% | 4,602 |
| Noninterest income to average assets | 0.2528% | 4,036 |
| Noninterest expense to average assets | 2.3029% | 3,765 |
| Loan and lease loss provision to assets | 0.1635% | 1,781 |
| Net operating income to assets | 0.2775% | 4,393 |
| Return on assets (ROA) | 0.2775% | 4,416 |
| Pretax return on assets | 0.3574% | 4,369 |
| Return on Equity (ROE) | 1.7633% | 4,495 |
| Retained earnings to average equity (ytd only) | 1.7633% | 3,527 |
| Net charge-offs to loans | 0.1429% | 882 |
| Credit loss provision to net charge-offs | 174.4186% | 1,492 |
| Earnings coverage of net charge-offs (x) | 5.5581% | 2,048 |
| Efficiency ratio | 81.5539% | 1,004 |
| Assets per employee ($millions) | 7.0931% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2135% | 2,593 |
| Loan loss allowance to noncurrent loans | 88.4909% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.9697% | 1,369 |
| Noncurrent loans to loans | 1.3714% | 1,174 |
| Net loans and leases to total assets | 64.7088% | 2,977 |
| Net loans and leases to deposits | 81.0475% | 2,576 |
| Net loans and leases to core deposits | 82.6187% | 2,967 |
| Total domestic deposits to total assets | 79.8406% | 3,886 |
| Equity capital to assets | 15.6993% | 633 |
| Core capital (leverage) ratio | 15.9330% | 525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $550,609,000 | 1,355 |
| Average earning assets | $511,570,000 | 1,348 |
| Average equity | $86,654,000 | 1,062 |
| Average total loans | $361,127,500 | 1,420 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6757% | 4,702 |
| Cost of funding earning assets | 0.8453% | 2,456 |
| Net interest margin | 2.8304% | 4,730 |
| Noninterest income to average assets | 0.2476% | 4,197 |
| Noninterest expense to average assets | 2.2665% | 4,032 |
| Loan and lease loss provision to assets | 0.0313% | 3,388 |
| Net operating income to assets | 0.4379% | 4,522 |
| Return on assets (ROA) | 0.4379% | 4,557 |
| Pretax return on assets | 0.5788% | 4,446 |
| Return on Equity (ROE) | 2.7775% | 4,695 |
| Retained earnings to average equity (ytd only) | 2.7775% | 3,651 |
| Net charge-offs to loans | -0.0695% | 4,888 |
| Credit loss provision to net charge-offs | -69.3878% | 4,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7896% | 1,055 |
| Assets per employee ($millions) | 7.4048% | 898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1955% | 2,456 |
| Loan loss allowance to noncurrent loans | 83.5989% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 1.0112% | 1,233 |
| Noncurrent loans to loans | 1.4301% | 1,023 |
| Net loans and leases to total assets | 64.8859% | 3,090 |
| Net loans and leases to deposits | 81.3972% | 2,629 |
| Net loans and leases to core deposits | 82.8778% | 3,052 |
| Total domestic deposits to total assets | 79.7150% | 4,039 |
| Equity capital to assets | 15.7767% | 641 |
| Core capital (leverage) ratio | 16.0399% | 515 |
| Tier 1 risk-based capital ratio | 27.2833% | 600 |
| Total risk-based capital ratio | 28.5990% | 584 |
| Memoranda: |
| Average total assets | $542,816,800 | 1,322 |
| Average earning assets | $504,199,400 | 1,322 |
| Average equity | $85,580,000 | 1,029 |
| Average total loans | $352,549,400 | 1,412 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6835% | 4,799 |
| Cost of funding earning assets | 0.8271% | 2,582 |
| Net interest margin | 2.8564% | 4,800 |
| Noninterest income to average assets | 0.2430% | 4,281 |
| Noninterest expense to average assets | 2.2174% | 4,151 |
| Loan and lease loss provision to assets | 0.0308% | 3,284 |
| Net operating income to assets | 0.4863% | 4,550 |
| Return on assets (ROA) | 0.4863% | 4,595 |
| Pretax return on assets | 0.6485% | 4,450 |
| Return on Equity (ROE) | 3.0848% | 4,754 |
| Retained earnings to average equity (ytd only) | 3.0848% | 3,857 |
| Net charge-offs to loans | -0.0878% | 4,970 |
| Credit loss provision to net charge-offs | -54.1126% | 4,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5491% | 1,264 |
| Assets per employee ($millions) | 7.2320% | 939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2139% | 2,441 |
| Loan loss allowance to noncurrent loans | 74.0489% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 1.1292% | 1,156 |
| Noncurrent loans to loans | 1.6393% | 894 |
| Net loans and leases to total assets | 63.6623% | 3,321 |
| Net loans and leases to deposits | 79.9259% | 2,903 |
| Net loans and leases to core deposits | 81.2455% | 3,296 |
| Total domestic deposits to total assets | 79.6517% | 4,060 |
| Equity capital to assets | 15.9241% | 645 |
| Core capital (leverage) ratio | 16.2237% | 534 |
| Tier 1 risk-based capital ratio | 27.8754% | 583 |
| Total risk-based capital ratio | 29.1857% | 561 |
| Memoranda: |
| Average total assets | $541,532,750 | 1,333 |
| Average earning assets | $503,100,000 | 1,329 |
| Average equity | $85,362,750 | 1,025 |
| Average total loans | $350,725,250 | 1,428 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6812% | 4,851 |
| Cost of funding earning assets | 0.7866% | 2,708 |
| Net interest margin | 2.8946% | 4,826 |
| Noninterest income to average assets | 0.2269% | 4,389 |
| Noninterest expense to average assets | 2.1813% | 4,265 |
| Loan and lease loss provision to assets | 0.0259% | 3,302 |
| Net operating income to assets | 0.5288% | 4,462 |
| Return on assets (ROA) | 0.5288% | 4,490 |
| Pretax return on assets | 0.7095% | 4,306 |
| Return on Equity (ROE) | 3.3660% | 4,710 |
| Retained earnings to average equity (ytd only) | 3.3660% | 3,550 |
| Net charge-offs to loans | -0.1464% | 5,078 |
| Credit loss provision to net charge-offs | -27.2374% | 3,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7878% | 1,542 |
| Assets per employee ($millions) | 7.5193% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1809% | 2,622 |
| Loan loss allowance to noncurrent loans | 68.1216% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 1.1587% | 1,162 |
| Noncurrent loans to loans | 1.7335% | 874 |
| Net loans and leases to total assets | 66.0515% | 3,098 |
| Net loans and leases to deposits | 83.0907% | 2,595 |
| Net loans and leases to core deposits | 84.5911% | 3,067 |
| Total domestic deposits to total assets | 79.4932% | 4,133 |
| Equity capital to assets | 16.0671% | 609 |
| Core capital (leverage) ratio | 16.1516% | 529 |
| Tier 1 risk-based capital ratio | 27.3701% | 599 |
| Total risk-based capital ratio | 28.6728% | 581 |
| Memoranda: |
| Average total assets | $541,244,330 | 1,332 |
| Average earning assets | $502,931,670 | 1,329 |
| Average equity | $85,026,330 | 1,023 |
| Average total loans | $351,118,330 | 1,428 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6863% | 4,869 |
| Cost of funding earning assets | 0.7573% | 2,754 |
| Net interest margin | 2.9290% | 4,851 |
| Noninterest income to average assets | 0.2085% | 4,500 |
| Noninterest expense to average assets | 2.0788% | 4,497 |
| Loan and lease loss provision to assets | 0.0514% | 2,626 |
| Net operating income to assets | 0.5916% | 4,273 |
| Return on assets (ROA) | 0.5916% | 4,304 |
| Pretax return on assets | 0.8008% | 4,040 |
| Return on Equity (ROE) | 3.8086% | 4,615 |
| Retained earnings to average equity (ytd only) | 3.8086% | 3,399 |
| Net charge-offs to loans | -0.0069% | 4,106 |
| Credit loss provision to net charge-offs | -1,166.6667% | 3,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9241% | 2,199 |
| Assets per employee ($millions) | 7.0517% | 985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1383% | 2,917 |
| Loan loss allowance to noncurrent loans | 75.2850% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 0.9695% | 1,446 |
| Noncurrent loans to loans | 1.5120% | 1,062 |
| Net loans and leases to total assets | 63.3874% | 3,363 |
| Net loans and leases to deposits | 79.1307% | 2,938 |
| Net loans and leases to core deposits | 80.4398% | 3,322 |
| Total domestic deposits to total assets | 80.1047% | 4,160 |
| Equity capital to assets | 15.6666% | 624 |
| Core capital (leverage) ratio | 15.7662% | 565 |
| Tier 1 risk-based capital ratio | 27.7877% | 579 |
| Total risk-based capital ratio | 29.0825% | 557 |
| Memoranda: |
| Average total assets | $544,932,500 | 1,324 |
| Average earning assets | $506,525,500 | 1,329 |
| Average equity | $84,651,000 | 1,019 |
| Average total loans | $348,256,500 | 1,450 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5319% | 4,884 |
| Cost of funding earning assets | 0.6714% | 2,254 |
| Net interest margin | 2.8604% | 4,962 |
| Noninterest income to average assets | 0.2756% | 4,259 |
| Noninterest expense to average assets | 2.1724% | 4,401 |
| Loan and lease loss provision to assets | 0.0499% | 3,189 |
| Net operating income to assets | 0.5285% | 4,598 |
| Return on assets (ROA) | 0.5285% | 4,591 |
| Pretax return on assets | 0.7065% | 4,401 |
| Return on Equity (ROE) | 3.4038% | 4,841 |
| Retained earnings to average equity (ytd only) | 3.4038% | 3,719 |
| Net charge-offs to loans | -0.0211% | 4,714 |
| Credit loss provision to net charge-offs | -368.0556% | 4,581 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1745% | 1,604 |
| Assets per employee ($millions) | 7.5956% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1158% | 3,005 |
| Loan loss allowance to noncurrent loans | 77.3686% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 0.9187% | 1,504 |
| Noncurrent loans to loans | 1.4422% | 1,071 |
| Net loans and leases to total assets | 62.9899% | 3,466 |
| Net loans and leases to deposits | 78.5416% | 3,103 |
| Net loans and leases to core deposits | 79.8249% | 3,442 |
| Total domestic deposits to total assets | 80.1994% | 4,060 |
| Equity capital to assets | 15.4027% | 631 |
| Core capital (leverage) ratio | 15.7081% | 568 |
| Tier 1 risk-based capital ratio | 27.8978% | 571 |
| Total risk-based capital ratio | 29.1999% | 555 |
| Memoranda: |
| Average total assets | $531,487,000 | 1,328 |
| Average earning assets | $492,969,600 | 1,333 |
| Average equity | $82,524,600 | 1,001 |
| Average total loans | $341,508,400 | 1,433 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4985% | 4,928 |
| Cost of funding earning assets | 0.6428% | 2,189 |
| Net interest margin | 2.8557% | 5,029 |
| Noninterest income to average assets | 0.2562% | 4,440 |
| Noninterest expense to average assets | 2.1749% | 4,377 |
| Loan and lease loss provision to assets | 0.0594% | 2,792 |
| Net operating income to assets | 0.5034% | 4,756 |
| Return on assets (ROA) | 0.5034% | 4,760 |
| Pretax return on assets | 0.6701% | 4,604 |
| Return on Equity (ROE) | 3.2351% | 4,969 |
| Retained earnings to average equity (ytd only) | 3.2351% | 4,124 |
| Net charge-offs to loans | -0.0098% | 4,388 |
| Credit loss provision to net charge-offs | -940.0000% | 4,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8825% | 1,470 |
| Assets per employee ($millions) | 7.2844% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0968% | 3,213 |
| Loan loss allowance to noncurrent loans | 76.0479% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 0.9294% | 1,584 |
| Noncurrent loans to loans | 1.4423% | 1,143 |
| Net loans and leases to total assets | 63.7351% | 3,459 |
| Net loans and leases to deposits | 79.9306% | 3,054 |
| Net loans and leases to core deposits | 81.2585% | 3,383 |
| Total domestic deposits to total assets | 79.7380% | 4,166 |
| Equity capital to assets | 15.4182% | 634 |
| Core capital (leverage) ratio | 15.8463% | 542 |
| Tier 1 risk-based capital ratio | 27.7858% | 585 |
| Total risk-based capital ratio | 29.0887% | 568 |
| Memoranda: |
| Average total assets | $527,638,000 | 1,339 |
| Average earning assets | $489,300,250 | 1,343 |
| Average equity | $82,097,000 | 1,003 |
| Average total loans | $339,793,500 | 1,440 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4611% | 4,967 |
| Cost of funding earning assets | 0.6070% | 2,181 |
| Net interest margin | 2.8541% | 5,068 |
| Noninterest income to average assets | 0.2680% | 4,395 |
| Noninterest expense to average assets | 2.1946% | 4,383 |
| Loan and lease loss provision to assets | 0.0573% | 2,766 |
| Net operating income to assets | 0.5124% | 4,721 |
| Return on assets (ROA) | 0.5124% | 4,727 |
| Pretax return on assets | 0.6605% | 4,616 |
| Return on Equity (ROE) | 3.2828% | 4,967 |
| Retained earnings to average equity (ytd only) | 3.2828% | 3,929 |
| Net charge-offs to loans | -0.0107% | 4,340 |
| Credit loss provision to net charge-offs | -833.3333% | 4,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3540% | 1,514 |
| Assets per employee ($millions) | 7.2446% | 847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0964% | 3,284 |
| Loan loss allowance to noncurrent loans | 62.1324% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 1.1162% | 1,320 |
| Noncurrent loans to loans | 1.7646% | 893 |
| Net loans and leases to total assets | 62.5612% | 3,539 |
| Net loans and leases to deposits | 78.6719% | 3,090 |
| Net loans and leases to core deposits | 79.8445% | 3,432 |
| Total domestic deposits to total assets | 79.5216% | 4,344 |
| Equity capital to assets | 15.3766% | 613 |
| Core capital (leverage) ratio | 15.8984% | 514 |
| Tier 1 risk-based capital ratio | 28.8595% | 527 |
| Total risk-based capital ratio | 30.1610% | 518 |
| Memoranda: |
| Average total assets | $523,836,000 | 1,351 |
| Average earning assets | $485,332,000 | 1,353 |
| Average equity | $81,759,000 | 1,008 |
| Average total loans | $337,268,000 | 1,451 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4761% | 4,918 |
| Cost of funding earning assets | 0.5752% | 2,209 |
| Net interest margin | 2.9009% | 5,028 |
| Noninterest income to average assets | 0.2627% | 4,424 |
| Noninterest expense to average assets | 2.2538% | 4,281 |
| Loan and lease loss provision to assets | 0.0695% | 2,374 |
| Net operating income to assets | 0.4860% | 4,727 |
| Return on assets (ROA) | 0.4860% | 4,734 |
| Pretax return on assets | 0.6243% | 4,633 |
| Return on Equity (ROE) | 3.0901% | 5,001 |
| Retained earnings to average equity (ytd only) | 3.0901% | 3,971 |
| Net charge-offs to loans | -0.0095% | 4,226 |
| Credit loss provision to net charge-offs | -1,125.0000% | 4,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4613% | 1,531 |
| Assets per employee ($millions) | 7.2267% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0837% | 3,487 |
| Loan loss allowance to noncurrent loans | 58.9052% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 1.1902% | 1,285 |
| Noncurrent loans to loans | 1.8397% | 900 |
| Net loans and leases to total assets | 63.9940% | 3,306 |
| Net loans and leases to deposits | 81.0904% | 2,687 |
| Net loans and leases to core deposits | 82.2514% | 3,123 |
| Total domestic deposits to total assets | 78.9169% | 4,592 |
| Equity capital to assets | 15.7072% | 536 |
| Core capital (leverage) ratio | 16.1759% | 467 |
| Tier 1 risk-based capital ratio | 28.9772% | 512 |
| Total risk-based capital ratio | 30.2835% | 512 |
| Memoranda: |
| Average total assets | $517,703,500 | 1,378 |
| Average earning assets | $479,153,500 | 1,388 |
| Average equity | $81,421,500 | 1,021 |
| Average total loans | $336,347,500 | 1,463 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3521% | 5,008 |
| Cost of funding earning assets | 0.5509% | 1,947 |
| Net interest margin | 2.8012% | 5,166 |
| Noninterest income to average assets | 0.3011% | 4,300 |
| Noninterest expense to average assets | 2.1762% | 4,576 |
| Loan and lease loss provision to assets | 0.1289% | 1,778 |
| Net operating income to assets | 0.1498% | 5,199 |
| Return on assets (ROA) | 0.1498% | 5,204 |
| Pretax return on assets | 0.5905% | 4,761 |
| Return on Equity (ROE) | 0.9438% | 5,237 |
| Retained earnings to average equity (ytd only) | 0.9438% | 4,640 |
| Net charge-offs to loans | -0.0022% | 4,539 |
| Credit loss provision to net charge-offs | -9,428.5714% | 5,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1568% | 1,745 |
| Assets per employee ($millions) | 7.0560% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0563% | 3,583 |
| Loan loss allowance to noncurrent loans | 68.0598% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 1.0126% | 1,517 |
| Noncurrent loans to loans | 1.5520% | 1,091 |
| Net loans and leases to total assets | 64.5567% | 3,288 |
| Net loans and leases to deposits | 81.7124% | 2,749 |
| Net loans and leases to core deposits | 82.7134% | 3,177 |
| Total domestic deposits to total assets | 79.0048% | 4,543 |
| Equity capital to assets | 15.7479% | 548 |
| Core capital (leverage) ratio | 15.9636% | 478 |
| Tier 1 risk-based capital ratio | 28.6847% | 510 |
| Total risk-based capital ratio | 29.9780% | 506 |
| Memoranda: |
| Average total assets | $512,124,800 | 1,365 |
| Average earning assets | $474,324,200 | 1,370 |
| Average equity | $81,263,200 | 997 |
| Average total loans | $316,875,400 | 1,497 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3185% | 5,088 |
| Cost of funding earning assets | 0.5472% | 1,918 |
| Net interest margin | 2.7713% | 5,265 |
| Noninterest income to average assets | 0.3045% | 4,354 |
| Noninterest expense to average assets | 2.1403% | 4,652 |
| Loan and lease loss provision to assets | 0.0873% | 2,338 |
| Net operating income to assets | 0.4406% | 4,900 |
| Return on assets (ROA) | 0.4406% | 4,929 |
| Pretax return on assets | 0.6450% | 4,746 |
| Return on Equity (ROE) | 2.7716% | 5,164 |
| Retained earnings to average equity (ytd only) | 2.7716% | 4,250 |
| Net charge-offs to loans | 0.0013% | 3,736 |
| Credit loss provision to net charge-offs | 11,166.6667% | 43 |
| Earnings coverage of net charge-offs (x) | 936.3100% | 106 |
| Efficiency ratio | 74.5054% | 1,816 |
| Assets per employee ($millions) | 7.0406% | 936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9933% | 4,106 |
| Loan loss allowance to noncurrent loans | 66.1523% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 0.9456% | 1,802 |
| Noncurrent loans to loans | 1.5015% | 1,245 |
| Net loans and leases to total assets | 62.3497% | 3,611 |
| Net loans and leases to deposits | 79.1984% | 3,046 |
| Net loans and leases to core deposits | 80.1474% | 3,444 |
| Total domestic deposits to total assets | 78.7259% | 4,587 |
| Equity capital to assets | 15.9947% | 547 |
| Core capital (leverage) ratio | 16.4233% | 441 |
| Tier 1 risk-based capital ratio | 29.8292% | 481 |
| Total risk-based capital ratio | 31.0241% | 479 |
| Memoranda: |
| Average total assets | $511,384,750 | 1,382 |
| Average earning assets | $473,900,000 | 1,386 |
| Average equity | $81,300,250 | 1,001 |
| Average total loans | $312,076,250 | 1,523 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3092% | 5,092 |
| Cost of funding earning assets | 0.5476% | 1,797 |
| Net interest margin | 2.7616% | 5,299 |
| Noninterest income to average assets | 0.3091% | 4,330 |
| Noninterest expense to average assets | 2.1268% | 4,726 |
| Loan and lease loss provision to assets | 0.0744% | 2,479 |
| Net operating income to assets | 0.4548% | 4,841 |
| Return on assets (ROA) | 0.4548% | 4,865 |
| Pretax return on assets | 0.6683% | 4,632 |
| Return on Equity (ROE) | 2.8667% | 5,162 |
| Retained earnings to average equity (ytd only) | 2.8667% | 4,004 |
| Net charge-offs to loans | 0.0045% | 3,324 |
| Credit loss provision to net charge-offs | 2,714.2857% | 158 |
| Earnings coverage of net charge-offs (x) | 270.8571% | 318 |
| Efficiency ratio | 74.1160% | 1,990 |
| Assets per employee ($millions) | 7.3019% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9769% | 4,284 |
| Loan loss allowance to noncurrent loans | 78.1744% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 0.7673% | 2,291 |
| Noncurrent loans to loans | 1.2497% | 1,547 |
| Net loans and leases to total assets | 60.8020% | 3,760 |
| Net loans and leases to deposits | 77.1968% | 3,202 |
| Net loans and leases to core deposits | 78.2813% | 3,569 |
| Total domestic deposits to total assets | 78.7623% | 4,675 |
| Equity capital to assets | 15.9706% | 535 |
| Core capital (leverage) ratio | 16.2277% | 447 |
| Tier 1 risk-based capital ratio | 29.6029% | 484 |
| Total risk-based capital ratio | 30.7360% | 484 |
| Memoranda: |
| Average total assets | $510,525,000 | 1,387 |
| Average earning assets | $473,343,000 | 1,389 |
| Average equity | $80,998,000 | 1,006 |
| Average total loans | $308,211,670 | 1,537 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2849% | 5,131 |
| Cost of funding earning assets | 0.5458% | 1,741 |
| Net interest margin | 2.7391% | 5,338 |
| Noninterest income to average assets | 0.2862% | 4,504 |
| Noninterest expense to average assets | 2.1011% | 4,847 |
| Loan and lease loss provision to assets | 0.0745% | 2,315 |
| Net operating income to assets | 0.4453% | 4,798 |
| Return on assets (ROA) | 0.4453% | 4,820 |
| Pretax return on assets | 0.6523% | 4,590 |
| Return on Equity (ROE) | 2.8160% | 5,144 |
| Retained earnings to average equity (ytd only) | 2.8160% | 4,001 |
| Net charge-offs to loans | -0.0065% | 4,266 |
| Credit loss provision to net charge-offs | -1,900.0000% | 4,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3000% | 2,183 |
| Assets per employee ($millions) | 7.2379% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9721% | 4,433 |
| Loan loss allowance to noncurrent loans | 103.0397% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 0.5633% | 2,976 |
| Noncurrent loans to loans | 0.9435% | 2,158 |
| Net loans and leases to total assets | 59.1299% | 3,870 |
| Net loans and leases to deposits | 74.4796% | 3,355 |
| Net loans and leases to core deposits | 75.5805% | 3,693 |
| Total domestic deposits to total assets | 79.3908% | 4,743 |
| Equity capital to assets | 15.7580% | 529 |
| Core capital (leverage) ratio | 15.9298% | 472 |
| Tier 1 risk-based capital ratio | 30.8235% | 453 |
| Total risk-based capital ratio | 31.9729% | 454 |
| Memoranda: |
| Average total assets | $510,221,000 | 1,392 |
| Average earning assets | $473,434,000 | 1,396 |
| Average equity | $80,681,500 | 1,007 |
| Average total loans | $305,395,000 | 1,554 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1937% | 5,313 |
| Cost of funding earning assets | 0.5483% | 1,707 |
| Net interest margin | 2.6453% | 5,477 |
| Noninterest income to average assets | 0.3248% | 4,417 |
| Noninterest expense to average assets | 2.0272% | 5,139 |
| Loan and lease loss provision to assets | 0.0786% | 2,794 |
| Net operating income to assets | 0.4597% | 4,770 |
| Return on assets (ROA) | 0.4597% | 4,852 |
| Pretax return on assets | 0.6721% | 4,575 |
| Return on Equity (ROE) | 2.9330% | 5,178 |
| Retained earnings to average equity (ytd only) | 2.9330% | 3,812 |
| Net charge-offs to loans | -0.0326% | 5,277 |
| Credit loss provision to net charge-offs | -416.8421% | 5,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9753% | 2,430 |
| Assets per employee ($millions) | 7.3413% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9485% | 4,589 |
| Loan loss allowance to noncurrent loans | 105.7982% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 0.5380% | 3,128 |
| Noncurrent loans to loans | 0.8965% | 2,304 |
| Net loans and leases to total assets | 59.4334% | 3,914 |
| Net loans and leases to deposits | 74.6614% | 3,452 |
| Net loans and leases to core deposits | 75.7584% | 3,765 |
| Total domestic deposits to total assets | 79.6040% | 4,657 |
| Equity capital to assets | 15.8689% | 511 |
| Core capital (leverage) ratio | 15.9953% | 463 |
| Tier 1 risk-based capital ratio | 31.3749% | 430 |
| Total risk-based capital ratio | 32.5146% | 424 |
| Memoranda: |
| Average total assets | $504,055,800 | 1,362 |
| Average earning assets | $467,424,600 | 1,360 |
| Average equity | $78,998,600 | 1,003 |
| Average total loans | $291,397,000 | 1,560 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1941% | 5,365 |
| Cost of funding earning assets | 0.5457% | 1,739 |
| Net interest margin | 2.6484% | 5,549 |
| Noninterest income to average assets | 0.3342% | 4,395 |
| Noninterest expense to average assets | 1.9874% | 5,227 |
| Loan and lease loss provision to assets | 0.0652% | 2,924 |
| Net operating income to assets | 0.4990% | 4,702 |
| Return on assets (ROA) | 0.4990% | 4,793 |
| Pretax return on assets | 0.7379% | 4,505 |
| Return on Equity (ROE) | 3.1937% | 5,170 |
| Retained earnings to average equity (ytd only) | 3.1937% | 3,997 |
| Net charge-offs to loans | -0.0407% | 5,291 |
| Credit loss provision to net charge-offs | -279.5455% | 4,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2225% | 2,694 |
| Assets per employee ($millions) | 7.8256% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9284% | 4,763 |
| Loan loss allowance to noncurrent loans | 94.3579% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 0.5680% | 3,205 |
| Noncurrent loans to loans | 0.9839% | 2,273 |
| Net loans and leases to total assets | 57.1903% | 4,176 |
| Net loans and leases to deposits | 72.0630% | 3,798 |
| Net loans and leases to core deposits | 72.9830% | 4,090 |
| Total domestic deposits to total assets | 79.3616% | 4,643 |
| Equity capital to assets | 15.6473% | 609 |
| Core capital (leverage) ratio | 15.9881% | 474 |
| Tier 1 risk-based capital ratio | 31.9001% | 414 |
| Total risk-based capital ratio | 33.0010% | 411 |
| Memoranda: |
| Average total assets | $503,432,250 | 1,371 |
| Average earning assets | $466,888,500 | 1,361 |
| Average equity | $78,652,250 | 1,011 |
| Average total loans | $288,260,500 | 1,577 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2289% | 5,390 |
| Cost of funding earning assets | 0.5414% | 1,770 |
| Net interest margin | 2.6874% | 5,585 |
| Noninterest income to average assets | 0.3401% | 4,347 |
| Noninterest expense to average assets | 1.9913% | 5,288 |
| Loan and lease loss provision to assets | 0.0622% | 2,889 |
| Net operating income to assets | 0.5242% | 4,588 |
| Return on assets (ROA) | 0.5242% | 4,713 |
| Pretax return on assets | 0.7798% | 4,350 |
| Return on Equity (ROE) | 3.3572% | 5,141 |
| Retained earnings to average equity (ytd only) | 3.3572% | 3,760 |
| Net charge-offs to loans | -0.0314% | 5,147 |
| Credit loss provision to net charge-offs | -346.6667% | 4,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2828% | 2,936 |
| Assets per employee ($millions) | 7.7800% | 620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8869% | 5,000 |
| Loan loss allowance to noncurrent loans | 154.5292% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.3318% | 4,172 |
| Noncurrent loans to loans | 0.5740% | 3,347 |
| Net loans and leases to total assets | 57.2989% | 4,188 |
| Net loans and leases to deposits | 72.2029% | 3,766 |
| Net loans and leases to core deposits | 73.0110% | 4,079 |
| Total domestic deposits to total assets | 79.3582% | 4,706 |
| Equity capital to assets | 15.6237% | 601 |
| Core capital (leverage) ratio | 15.9602% | 465 |
| Tier 1 risk-based capital ratio | 31.6224% | 431 |
| Total risk-based capital ratio | 32.6689% | 433 |
| Memoranda: |
| Average total assets | $501,688,670 | 1,379 |
| Average earning assets | $465,427,670 | 1,368 |
| Average equity | $78,339,000 | 1,015 |
| Average total loans | $286,470,000 | 1,587 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2190% | 5,461 |
| Cost of funding earning assets | 0.5402% | 1,790 |
| Net interest margin | 2.6787% | 5,643 |
| Noninterest income to average assets | 0.3482% | 4,241 |
| Noninterest expense to average assets | 1.9965% | 5,348 |
| Loan and lease loss provision to assets | 0.0768% | 2,424 |
| Net operating income to assets | 0.5115% | 4,582 |
| Return on assets (ROA) | 0.5115% | 4,691 |
| Pretax return on assets | 0.7597% | 4,340 |
| Return on Equity (ROE) | 3.2768% | 5,130 |
| Retained earnings to average equity (ytd only) | 3.2768% | 3,855 |
| Net charge-offs to loans | 0.0028% | 3,022 |
| Credit loss provision to net charge-offs | 4,800.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 522.5000% | 104 |
| Efficiency ratio | 70.4719% | 3,043 |
| Assets per employee ($millions) | 7.0764% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8661% | 5,167 |
| Loan loss allowance to noncurrent loans | 99.4798% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 0.5045% | 3,589 |
| Noncurrent loans to loans | 0.8706% | 2,668 |
| Net loans and leases to total assets | 57.4447% | 4,098 |
| Net loans and leases to deposits | 72.9546% | 3,558 |
| Net loans and leases to core deposits | 73.7916% | 3,919 |
| Total domestic deposits to total assets | 78.7403% | 5,024 |
| Equity capital to assets | 15.8167% | 554 |
| Core capital (leverage) ratio | 15.9357% | 477 |
| Tier 1 risk-based capital ratio | 31.6611% | 444 |
| Total risk-based capital ratio | 32.6870% | 445 |
| Memoranda: |
| Average total assets | $499,682,500 | 1,385 |
| Average earning assets | $463,503,500 | 1,375 |
| Average equity | $78,004,000 | 1,023 |
| Average total loans | $283,528,000 | 1,599 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1231% | 5,610 |
| Cost of funding earning assets | 0.5318% | 1,909 |
| Net interest margin | 2.5913% | 5,763 |
| Noninterest income to average assets | 0.2860% | 4,842 |
| Noninterest expense to average assets | 2.1505% | 5,148 |
| Loan and lease loss provision to assets | 0.0677% | 2,941 |
| Net operating income to assets | 0.3346% | 5,261 |
| Return on assets (ROA) | 0.3346% | 5,347 |
| Pretax return on assets | 0.4670% | 5,187 |
| Return on Equity (ROE) | 2.1718% | 5,530 |
| Retained earnings to average equity (ytd only) | 2.1718% | 4,484 |
| Net charge-offs to loans | 0.0835% | 2,641 |
| Credit loss provision to net charge-offs | 148.6726% | 1,787 |
| Earnings coverage of net charge-offs (x) | 11.7389% | 2,532 |
| Efficiency ratio | 80.0871% | 1,664 |
| Assets per employee ($millions) | 7.4120% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8542% | 5,256 |
| Loan loss allowance to noncurrent loans | 81.9178% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 0.6661% | 3,046 |
| Noncurrent loans to loans | 1.0428% | 2,247 |
| Net loans and leases to total assets | 55.0828% | 4,379 |
| Net loans and leases to deposits | 69.5274% | 3,967 |
| Net loans and leases to core deposits | 70.3528% | 4,280 |
| Total domestic deposits to total assets | 79.2246% | 4,921 |
| Equity capital to assets | 15.4083% | 614 |
| Core capital (leverage) ratio | 15.7756% | 491 |
| Tier 1 risk-based capital ratio | 32.3154% | 421 |
| Total risk-based capital ratio | 33.3294% | 422 |
| Memoranda: |
| Average total assets | $496,168,800 | 1,358 |
| Average earning assets | $459,378,400 | 1,352 |
| Average equity | $76,433,800 | 993 |
| Average total loans | $270,789,400 | 1,610 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1182% | 5,684 |
| Cost of funding earning assets | 0.5276% | 1,982 |
| Net interest margin | 2.5906% | 5,843 |
| Noninterest income to average assets | 0.2808% | 4,936 |
| Noninterest expense to average assets | 2.1548% | 5,153 |
| Loan and lease loss provision to assets | 0.0685% | 2,806 |
| Net operating income to assets | 0.3272% | 5,378 |
| Return on assets (ROA) | 0.3272% | 5,459 |
| Pretax return on assets | 0.4551% | 5,338 |
| Return on Equity (ROE) | 2.1245% | 5,643 |
| Retained earnings to average equity (ytd only) | 2.1245% | 4,823 |
| Net charge-offs to loans | 0.1122% | 2,004 |
| Credit loss provision to net charge-offs | 112.3894% | 2,085 |
| Earnings coverage of net charge-offs (x) | 8.5884% | 2,793 |
| Efficiency ratio | 80.4492% | 1,593 |
| Assets per employee ($millions) | 7.8246% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8559% | 5,346 |
| Loan loss allowance to noncurrent loans | 67.6626% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 0.7834% | 2,931 |
| Noncurrent loans to loans | 1.2650% | 2,020 |
| Net loans and leases to total assets | 53.4305% | 4,626 |
| Net loans and leases to deposits | 67.5424% | 4,235 |
| Net loans and leases to core deposits | 68.3503% | 4,515 |
| Total domestic deposits to total assets | 79.1066% | 4,951 |
| Equity capital to assets | 15.3280% | 674 |
| Core capital (leverage) ratio | 15.9210% | 497 |
| Tier 1 risk-based capital ratio | 33.4229% | 398 |
| Total risk-based capital ratio | 34.4387% | 401 |
| Memoranda: |
| Average total assets | $494,207,500 | 1,367 |
| Average earning assets | $457,391,750 | 1,360 |
| Average equity | $76,127,250 | 1,006 |
| Average total loans | $268,482,500 | 1,635 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1514% | 5,686 |
| Cost of funding earning assets | 0.5151% | 2,111 |
| Net interest margin | 2.6363% | 5,840 |
| Noninterest income to average assets | 0.2719% | 5,007 |
| Noninterest expense to average assets | 2.1861% | 5,156 |
| Loan and lease loss provision to assets | 0.0634% | 2,849 |
| Net operating income to assets | 0.3219% | 5,381 |
| Return on assets (ROA) | 0.3219% | 5,473 |
| Pretax return on assets | 0.4626% | 5,321 |
| Return on Equity (ROE) | 2.0865% | 5,658 |
| Retained earnings to average equity (ytd only) | 2.0865% | 4,660 |
| Net charge-offs to loans | 0.1209% | 1,801 |
| Credit loss provision to net charge-offs | 96.2963% | 2,125 |
| Earnings coverage of net charge-offs (x) | 7.9877% | 2,606 |
| Efficiency ratio | 80.6055% | 1,676 |
| Assets per employee ($millions) | 7.1783% | 772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8532% | 5,457 |
| Loan loss allowance to noncurrent loans | 57.5329% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 0.8853% | 2,773 |
| Noncurrent loans to loans | 1.4829% | 1,790 |
| Net loans and leases to total assets | 53.4010% | 4,625 |
| Net loans and leases to deposits | 67.5950% | 4,168 |
| Net loans and leases to core deposits | 68.4131% | 4,459 |
| Total domestic deposits to total assets | 79.0014% | 5,094 |
| Equity capital to assets | 15.4071% | 626 |
| Core capital (leverage) ratio | 15.8804% | 484 |
| Tier 1 risk-based capital ratio | 33.8538% | 395 |
| Total risk-based capital ratio | 34.8795% | 401 |
| Memoranda: |
| Average total assets | $492,018,000 | 1,385 |
| Average earning assets | $455,409,670 | 1,372 |
| Average equity | $75,916,670 | 1,013 |
| Average total loans | $268,017,670 | 1,640 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2273% | 5,604 |
| Cost of funding earning assets | 0.5079% | 2,222 |
| Net interest margin | 2.7194% | 5,775 |
| Noninterest income to average assets | 0.2692% | 5,025 |
| Noninterest expense to average assets | 2.1363% | 5,310 |
| Loan and lease loss provision to assets | 0.0636% | 2,654 |
| Net operating income to assets | 0.3956% | 5,081 |
| Return on assets (ROA) | 0.3956% | 5,194 |
| Pretax return on assets | 0.5849% | 4,957 |
| Return on Equity (ROE) | 2.5621% | 5,519 |
| Retained earnings to average equity (ytd only) | 2.5621% | 4,403 |
| Net charge-offs to loans | 0.1891% | 1,171 |
| Credit loss provision to net charge-offs | 61.4173% | 1,985 |
| Earnings coverage of net charge-offs (x) | 6.2598% | 2,311 |
| Efficiency ratio | 76.7135% | 2,393 |
| Assets per employee ($millions) | 7.0659% | 833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8346% | 5,607 |
| Loan loss allowance to noncurrent loans | 51.7737% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 0.9330% | 2,767 |
| Noncurrent loans to loans | 1.6120% | 1,729 |
| Net loans and leases to total assets | 54.4187% | 4,385 |
| Net loans and leases to deposits | 69.3656% | 3,812 |
| Net loans and leases to core deposits | 69.9505% | 4,164 |
| Total domestic deposits to total assets | 78.4520% | 5,359 |
| Equity capital to assets | 15.5845% | 608 |
| Core capital (leverage) ratio | 15.7670% | 492 |
| Tier 1 risk-based capital ratio | 33.5921% | 404 |
| Total risk-based capital ratio | 34.5911% | 407 |
| Memoranda: |
| Average total assets | $490,374,500 | 1,388 |
| Average earning assets | $453,628,500 | 1,381 |
| Average equity | $75,719,000 | 1,012 |
| Average total loans | $268,639,500 | 1,634 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2772% | 5,734 |
| Cost of funding earning assets | 0.5063% | 2,609 |
| Net interest margin | 2.7709% | 5,850 |
| Noninterest income to average assets | 0.3002% | 4,977 |
| Noninterest expense to average assets | 2.1056% | 5,560 |
| Loan and lease loss provision to assets | 0.1317% | 1,986 |
| Net operating income to assets | 0.3839% | 5,276 |
| Return on assets (ROA) | 0.3839% | 5,343 |
| Pretax return on assets | 0.6249% | 4,853 |
| Return on Equity (ROE) | 2.4984% | 5,634 |
| Retained earnings to average equity (ytd only) | 2.4984% | 4,456 |
| Net charge-offs to loans | 0.0867% | 3,252 |
| Credit loss provision to net charge-offs | 278.9700% | 914 |
| Earnings coverage of net charge-offs (x) | 16.0300% | 2,043 |
| Efficiency ratio | 73.5650% | 2,913 |
| Assets per employee ($millions) | 7.5877% | 632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8460% | 5,643 |
| Loan loss allowance to noncurrent loans | 48.3987% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 1.0185% | 2,709 |
| Noncurrent loans to loans | 1.7481% | 1,656 |
| Net loans and leases to total assets | 54.2267% | 4,554 |
| Net loans and leases to deposits | 68.7835% | 4,054 |
| Net loans and leases to core deposits | 69.2587% | 4,383 |
| Total domestic deposits to total assets | 78.8368% | 5,283 |
| Equity capital to assets | 15.2993% | 651 |
| Core capital (leverage) ratio | 15.6364% | 513 |
| Tier 1 risk-based capital ratio | 34.2536% | 357 |
| Total risk-based capital ratio | 35.3059% | 362 |
| Memoranda: |
| Average total assets | $493,646,800 | 1,348 |
| Average earning assets | $456,420,800 | 1,346 |
| Average equity | $75,847,600 | 966 |
| Average total loans | $268,693,000 | 1,582 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3040% | 5,763 |
| Cost of funding earning assets | 0.5018% | 2,737 |
| Net interest margin | 2.8022% | 5,866 |
| Noninterest income to average assets | 0.2895% | 5,128 |
| Noninterest expense to average assets | 2.0382% | 5,701 |
| Loan and lease loss provision to assets | 0.1310% | 1,914 |
| Net operating income to assets | 0.4272% | 5,151 |
| Return on assets (ROA) | 0.4272% | 5,226 |
| Pretax return on assets | 0.7110% | 4,667 |
| Return on Equity (ROE) | 2.7774% | 5,627 |
| Retained earnings to average equity (ytd only) | 2.7774% | 4,623 |
| Net charge-offs to loans | -0.0040% | 5,268 |
| Credit loss provision to net charge-offs | -6,062.5000% | 6,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7669% | 3,375 |
| Assets per employee ($millions) | 7.0604% | 787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8693% | 5,688 |
| Loan loss allowance to noncurrent loans | 77.2355% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 0.6801% | 3,793 |
| Noncurrent loans to loans | 1.1256% | 2,809 |
| Net loans and leases to total assets | 54.4048% | 4,525 |
| Net loans and leases to deposits | 68.7909% | 4,043 |
| Net loans and leases to core deposits | 69.3108% | 4,388 |
| Total domestic deposits to total assets | 79.0871% | 5,309 |
| Equity capital to assets | 15.5354% | 627 |
| Core capital (leverage) ratio | 15.6613% | 519 |
| Tier 1 risk-based capital ratio | 33.8424% | 394 |
| Total risk-based capital ratio | 34.9056% | 392 |
| Memoranda: |
| Average total assets | $493,758,500 | 1,358 |
| Average earning assets | $456,483,250 | 1,354 |
| Average equity | $75,945,500 | 968 |
| Average total loans | $268,434,250 | 1,589 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3359% | 5,748 |
| Cost of funding earning assets | 0.4969% | 2,866 |
| Net interest margin | 2.8389% | 5,840 |
| Noninterest income to average assets | 0.2921% | 5,083 |
| Noninterest expense to average assets | 2.0215% | 5,799 |
| Loan and lease loss provision to assets | 0.1337% | 1,852 |
| Net operating income to assets | 0.4125% | 5,164 |
| Return on assets (ROA) | 0.4125% | 5,247 |
| Pretax return on assets | 0.7597% | 4,420 |
| Return on Equity (ROE) | 2.6907% | 5,631 |
| Retained earnings to average equity (ytd only) | 2.6907% | 4,494 |
| Net charge-offs to loans | 0.0329% | 3,545 |
| Credit loss provision to net charge-offs | 750.0000% | 421 |
| Earnings coverage of net charge-offs (x) | 50.1136% | 908 |
| Efficiency ratio | 69.3495% | 3,769 |
| Assets per employee ($millions) | 6.7983% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7866% | 6,009 |
| Loan loss allowance to noncurrent loans | 64.3627% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 0.7065% | 3,859 |
| Noncurrent loans to loans | 1.2221% | 2,790 |
| Net loans and leases to total assets | 55.4283% | 4,354 |
| Net loans and leases to deposits | 70.1165% | 3,810 |
| Net loans and leases to core deposits | 70.7596% | 4,181 |
| Total domestic deposits to total assets | 79.0517% | 5,444 |
| Equity capital to assets | 15.5368% | 609 |
| Core capital (leverage) ratio | 15.6315% | 524 |
| Tier 1 risk-based capital ratio | 33.4344% | 399 |
| Total risk-based capital ratio | 34.4028% | 395 |
| Memoranda: |
| Average total assets | $493,602,330 | 1,359 |
| Average earning assets | $456,015,000 | 1,347 |
| Average equity | $75,667,330 | 968 |
| Average total loans | $267,498,670 | 1,589 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3572% | 5,735 |
| Cost of funding earning assets | 0.4934% | 2,977 |
| Net interest margin | 2.8639% | 5,824 |
| Noninterest income to average assets | 0.2566% | 5,302 |
| Noninterest expense to average assets | 1.9650% | 5,946 |
| Loan and lease loss provision to assets | 0.1332% | 1,819 |
| Net operating income to assets | 0.5076% | 4,651 |
| Return on assets (ROA) | 0.5076% | 4,731 |
| Pretax return on assets | 0.8005% | 4,114 |
| Return on Equity (ROE) | 3.3335% | 5,338 |
| Retained earnings to average equity (ytd only) | 3.3335% | 4,127 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7895% | 4,213 |
| Assets per employee ($millions) | 6.9791% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7594% | 6,177 |
| Loan loss allowance to noncurrent loans | 63.0827% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 0.6926% | 4,032 |
| Noncurrent loans to loans | 1.2038% | 3,032 |
| Net loans and leases to total assets | 53.5363% | 4,483 |
| Net loans and leases to deposits | 67.1576% | 3,958 |
| Net loans and leases to core deposits | 67.7590% | 4,338 |
| Total domestic deposits to total assets | 79.7174% | 5,542 |
| Equity capital to assets | 15.2999% | 629 |
| Core capital (leverage) ratio | 15.3982% | 550 |
| Tier 1 risk-based capital ratio | 33.0378% | 413 |
| Total risk-based capital ratio | 33.9448% | 416 |
| Memoranda: |
| Average total assets | $495,665,500 | 1,369 |
| Average earning assets | $457,280,000 | 1,348 |
| Average equity | $75,476,500 | 973 |
| Average total loans | $264,518,500 | 1,611 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1644% | 6,179 |
| Cost of funding earning assets | 0.5332% | 3,263 |
| Net interest margin | 2.6312% | 6,230 |
| Noninterest income to average assets | 0.2909% | 5,273 |
| Noninterest expense to average assets | 2.2076% | 5,606 |
| Loan and lease loss provision to assets | 0.1777% | 2,082 |
| Net operating income to assets | 0.2367% | 5,726 |
| Return on assets (ROA) | 0.2367% | 5,791 |
| Pretax return on assets | 0.3288% | 5,649 |
| Return on Equity (ROE) | 1.6063% | 5,958 |
| Retained earnings to average equity (ytd only) | 1.6063% | 5,073 |
| Net charge-offs to loans | 0.3331% | 2,009 |
| Credit loss provision to net charge-offs | 110.7635% | 2,175 |
| Earnings coverage of net charge-offs (x) | 3.1577% | 3,943 |
| Efficiency ratio | 81.3388% | 1,970 |
| Assets per employee ($millions) | 6.7002% | 898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7126% | 6,323 |
| Loan loss allowance to noncurrent loans | 43.7691% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 0.9681% | 3,481 |
| Noncurrent loans to loans | 1.6280% | 2,456 |
| Net loans and leases to total assets | 52.4109% | 4,803 |
| Net loans and leases to deposits | 65.5216% | 4,349 |
| Net loans and leases to core deposits | 66.0623% | 4,687 |
| Total domestic deposits to total assets | 79.9902% | 5,448 |
| Equity capital to assets | 15.1548% | 648 |
| Core capital (leverage) ratio | 15.1804% | 586 |
| Tier 1 risk-based capital ratio | 32.6982% | 406 |
| Total risk-based capital ratio | 33.5309% | 415 |
| Memoranda: |
| Average total assets | $498,146,200 | 1,334 |
| Average earning assets | $458,761,400 | 1,322 |
| Average equity | $73,400,600 | 970 |
| Average total loans | $239,850,000 | 1,727 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1276% | 6,289 |
| Cost of funding earning assets | 0.5378% | 3,379 |
| Net interest margin | 2.5898% | 6,328 |
| Noninterest income to average assets | 0.2874% | 5,393 |
| Noninterest expense to average assets | 2.1713% | 5,675 |
| Loan and lease loss provision to assets | 0.1978% | 1,838 |
| Net operating income to assets | 0.2219% | 5,864 |
| Return on assets (ROA) | 0.2219% | 5,941 |
| Pretax return on assets | 0.3024% | 5,872 |
| Return on Equity (ROE) | 1.5167% | 6,068 |
| Retained earnings to average equity (ytd only) | 1.5167% | 5,372 |
| Net charge-offs to loans | 0.3675% | 1,729 |
| Credit loss provision to net charge-offs | 114.5511% | 2,052 |
| Earnings coverage of net charge-offs (x) | 2.8963% | 3,874 |
| Efficiency ratio | 81.2769% | 1,936 |
| Assets per employee ($millions) | 6.7378% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7618% | 6,347 |
| Loan loss allowance to noncurrent loans | 44.0499% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 0.8530% | 3,983 |
| Noncurrent loans to loans | 1.7294% | 2,601 |
| Net loans and leases to total assets | 47.6472% | 5,388 |
| Net loans and leases to deposits | 59.1009% | 5,086 |
| Net loans and leases to core deposits | 59.6466% | 5,327 |
| Total domestic deposits to total assets | 80.6200% | 5,331 |
| Equity capital to assets | 14.2877% | 881 |
| Core capital (leverage) ratio | 15.1349% | 621 |
| Tier 1 risk-based capital ratio | 32.6703% | 414 |
| Total risk-based capital ratio | 33.5065% | 423 |
| Memoranda: |
| Average total assets | $498,728,500 | 1,341 |
| Average earning assets | $459,127,750 | 1,328 |
| Average equity | $72,965,750 | 987 |
| Average total loans | $234,380,750 | 1,759 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1518% | 6,290 |
| Cost of funding earning assets | 0.5456% | 3,463 |
| Net interest margin | 2.6062% | 6,328 |
| Noninterest income to average assets | 0.2719% | 5,507 |
| Noninterest expense to average assets | 2.2202% | 5,576 |
| Loan and lease loss provision to assets | 0.1703% | 2,205 |
| Net operating income to assets | 0.2193% | 5,842 |
| Return on assets (ROA) | 0.2193% | 5,972 |
| Pretax return on assets | 0.2780% | 5,930 |
| Return on Equity (ROE) | 1.4870% | 6,096 |
| Retained earnings to average equity (ytd only) | 1.4870% | 5,274 |
| Net charge-offs to loans | 0.3721% | 1,716 |
| Credit loss provision to net charge-offs | 98.1352% | 2,281 |
| Earnings coverage of net charge-offs (x) | 2.5828% | 3,661 |
| Efficiency ratio | 83.1994% | 1,731 |
| Assets per employee ($millions) | 6.3074% | 1,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7563% | 6,423 |
| Loan loss allowance to noncurrent loans | 36.7580% | 5,763 |
| Noncurrent assets plus other real estate owned to assets | 1.0159% | 3,728 |
| Noncurrent loans to loans | 2.0575% | 2,328 |
| Net loans and leases to total assets | 47.2370% | 5,399 |
| Net loans and leases to deposits | 59.1285% | 5,056 |
| Net loans and leases to core deposits | 59.7395% | 5,283 |
| Total domestic deposits to total assets | 79.8887% | 5,633 |
| Equity capital to assets | 14.8630% | 740 |
| Core capital (leverage) ratio | 15.2085% | 581 |
| Tier 1 risk-based capital ratio | 33.4595% | 391 |
| Total risk-based capital ratio | 34.2748% | 398 |
| Memoranda: |
| Average total assets | $494,281,330 | 1,349 |
| Average earning assets | $454,531,000 | 1,342 |
| Average equity | $72,900,000 | 989 |
| Average total loans | $230,554,330 | 1,784 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1106% | 6,390 |
| Cost of funding earning assets | 0.5489% | 3,581 |
| Net interest margin | 2.5617% | 6,423 |
| Noninterest income to average assets | 0.2083% | 5,990 |
| Noninterest expense to average assets | 2.2477% | 5,573 |
| Loan and lease loss provision to assets | 0.1413% | 2,475 |
| Net operating income to assets | 0.1574% | 6,016 |
| Return on assets (ROA) | 0.1574% | 6,114 |
| Pretax return on assets | 0.1744% | 6,124 |
| Return on Equity (ROE) | 1.0716% | 6,206 |
| Retained earnings to average equity (ytd only) | 1.0716% | 5,423 |
| Net charge-offs to loans | 0.3235% | 1,666 |
| Credit loss provision to net charge-offs | 94.5946% | 1,944 |
| Earnings coverage of net charge-offs (x) | 2.1135% | 3,124 |
| Efficiency ratio | 87.6850% | 1,356 |
| Assets per employee ($millions) | 6.7081% | 891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7742% | 6,497 |
| Loan loss allowance to noncurrent loans | 22.8081% | 6,269 |
| Noncurrent assets plus other real estate owned to assets | 1.6316% | 2,820 |
| Noncurrent loans to loans | 3.3945% | 1,424 |
| Net loans and leases to total assets | 46.2981% | 5,408 |
| Net loans and leases to deposits | 57.9650% | 5,039 |
| Net loans and leases to core deposits | 58.5676% | 5,286 |
| Total domestic deposits to total assets | 79.8725% | 5,781 |
| Equity capital to assets | 14.8820% | 783 |
| Core capital (leverage) ratio | 14.9914% | 594 |
| Tier 1 risk-based capital ratio | 33.0229% | 415 |
| Total risk-based capital ratio | 33.8317% | 418 |
| Memoranda: |
| Average total assets | $495,431,500 | 1,365 |
| Average earning assets | $455,477,500 | 1,350 |
| Average equity | $72,788,500 | 1,000 |
| Average total loans | $228,747,500 | 1,809 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4961% | 6,358 |
| Cost of funding earning assets | 0.7198% | 3,330 |
| Net interest margin | 2.7763% | 6,413 |
| Noninterest income to average assets | 0.3180% | 5,181 |
| Noninterest expense to average assets | 2.0415% | 6,250 |
| Loan and lease loss provision to assets | 0.3870% | 1,687 |
| Net operating income to assets | 0.3582% | 5,259 |
| Return on assets (ROA) | 0.3582% | 5,486 |
| Pretax return on assets | 0.4374% | 5,461 |
| Return on Equity (ROE) | 2.4829% | 5,752 |
| Retained earnings to average equity (ytd only) | 1.9006% | 4,884 |
| Net charge-offs to loans | 1.5431% | 570 |
| Credit loss provision to net charge-offs | 55.3173% | 4,570 |
| Earnings coverage of net charge-offs (x) | 1.1784% | 4,870 |
| Efficiency ratio | 71.2352% | 3,582 |
| Assets per employee ($millions) | 6.5944% | 953 |
| Cash dividends to net income (ytd only)* | 23.4506% | 3,633 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7768% | 6,529 |
| Loan loss allowance to noncurrent loans | 39.1505% | 5,668 |
| Noncurrent assets plus other real estate owned to assets | 0.9067% | 4,228 |
| Noncurrent loans to loans | 1.9842% | 2,714 |
| Net loans and leases to total assets | 45.3396% | 5,685 |
| Net loans and leases to deposits | 56.4290% | 5,401 |
| Net loans and leases to core deposits | 57.0320% | 5,630 |
| Total domestic deposits to total assets | 80.3480% | 5,579 |
| Equity capital to assets | 14.5062% | 871 |
| Core capital (leverage) ratio | 14.7267% | 621 |
| Tier 1 risk-based capital ratio | 32.6346% | 412 |
| Total risk-based capital ratio | 33.4417% | 418 |
| Memoranda: |
| Average total assets | $500,019,800 | 1,336 |
| Average earning assets | $458,879,200 | 1,330 |
| Average equity | $72,134,800 | 975 |
| Average total loans | $226,682,800 | 1,797 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5812% | 6,415 |
| Cost of funding earning assets | 0.7528% | 3,329 |
| Net interest margin | 2.8284% | 6,464 |
| Noninterest income to average assets | 0.3031% | 5,359 |
| Noninterest expense to average assets | 1.9778% | 6,387 |
| Loan and lease loss provision to assets | 0.3050% | 2,169 |
| Net operating income to assets | 0.4167% | 5,179 |
| Return on assets (ROA) | 0.4167% | 5,411 |
| Pretax return on assets | 0.6144% | 5,124 |
| Return on Equity (ROE) | 2.8928% | 5,711 |
| Retained earnings to average equity (ytd only) | 2.1150% | 5,267 |
| Net charge-offs to loans | 0.5290% | 2,028 |
| Credit loss provision to net charge-offs | 127.4247% | 2,258 |
| Earnings coverage of net charge-offs (x) | 3.8417% | 3,494 |
| Efficiency ratio | 68.2660% | 4,004 |
| Assets per employee ($millions) | 6.4651% | 969 |
| Cash dividends to net income (ytd only)* | 26.8889% | 2,775 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5809% | 3,596 |
| Loan loss allowance to noncurrent loans | 59.5420% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 1.1799% | 3,935 |
| Noncurrent loans to loans | 2.6552% | 2,134 |
| Net loans and leases to total assets | 43.7336% | 5,991 |
| Net loans and leases to deposits | 54.3355% | 5,780 |
| Net loans and leases to core deposits | 55.0072% | 5,967 |
| Total domestic deposits to total assets | 80.4882% | 5,521 |
| Equity capital to assets | 14.2268% | 1,068 |
| Core capital (leverage) ratio | 14.6275% | 682 |
| Tier 1 risk-based capital ratio | 32.3689% | 428 |
| Total risk-based capital ratio | 33.6440% | 419 |
| Memoranda: |
| Average total assets | $499,732,000 | 1,353 |
| Average earning assets | $458,339,000 | 1,349 |
| Average equity | $71,993,250 | 985 |
| Average total loans | $226,101,500 | 1,814 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7103% | 6,314 |
| Cost of funding earning assets | 0.7835% | 3,330 |
| Net interest margin | 2.9268% | 6,386 |
| Noninterest income to average assets | 0.2673% | 5,665 |
| Noninterest expense to average assets | 2.0006% | 6,433 |
| Loan and lease loss provision to assets | 0.2846% | 2,304 |
| Net operating income to assets | 0.4419% | 5,068 |
| Return on assets (ROA) | 0.4419% | 5,298 |
| Pretax return on assets | 0.6628% | 4,935 |
| Return on Equity (ROE) | 3.0542% | 5,674 |
| Retained earnings to average equity (ytd only) | 1.8838% | 5,262 |
| Net charge-offs to loans | 0.6465% | 1,700 |
| Credit loss provision to net charge-offs | 96.7123% | 2,863 |
| Earnings coverage of net charge-offs (x) | 3.2192% | 3,453 |
| Efficiency ratio | 67.8611% | 4,152 |
| Assets per employee ($millions) | 6.4857% | 965 |
| Cash dividends to net income (ytd only)* | 38.3212% | 2,241 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4628% | 4,193 |
| Loan loss allowance to noncurrent loans | 62.8290% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 1.0945% | 4,190 |
| Noncurrent loans to loans | 2.3283% | 2,568 |
| Net loans and leases to total assets | 44.7548% | 5,944 |
| Net loans and leases to deposits | 55.7943% | 5,674 |
| Net loans and leases to core deposits | 56.4993% | 5,901 |
| Total domestic deposits to total assets | 80.2139% | 5,685 |
| Equity capital to assets | 14.4376% | 937 |
| Core capital (leverage) ratio | 14.8253% | 633 |
| Tier 1 risk-based capital ratio | 31.9173% | 443 |
| Total risk-based capital ratio | 33.1864% | 438 |
| Memoranda: |
| Average total assets | $496,062,000 | 1,363 |
| Average earning assets | $454,354,670 | 1,358 |
| Average equity | $71,770,330 | 981 |
| Average total loans | $225,817,330 | 1,809 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8025% | 6,234 |
| Cost of funding earning assets | 0.8098% | 3,395 |
| Net interest margin | 2.9928% | 6,306 |
| Noninterest income to average assets | 0.2460% | 5,883 |
| Noninterest expense to average assets | 1.9361% | 6,577 |
| Loan and lease loss provision to assets | 0.3479% | 1,796 |
| Net operating income to assets | 0.4507% | 5,033 |
| Return on assets (ROA) | 0.4507% | 5,224 |
| Pretax return on assets | 0.7039% | 4,779 |
| Return on Equity (ROE) | 3.1115% | 5,677 |
| Retained earnings to average equity (ytd only) | 3.1115% | 4,697 |
| Net charge-offs to loans | 0.0053% | 4,680 |
| Credit loss provision to net charge-offs | 14,333.3333% | 11 |
| Earnings coverage of net charge-offs (x) | 433.3333% | 62 |
| Efficiency ratio | 64.7983% | 4,779 |
| Assets per employee ($millions) | 6.2573% | 1,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6846% | 3,412 |
| Loan loss allowance to noncurrent loans | 59.8539% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 1.3210% | 3,911 |
| Noncurrent loans to loans | 2.8145% | 2,289 |
| Net loans and leases to total assets | 44.4983% | 5,959 |
| Net loans and leases to deposits | 55.5048% | 5,661 |
| Net loans and leases to core deposits | 56.1636% | 5,892 |
| Total domestic deposits to total assets | 80.1703% | 5,817 |
| Equity capital to assets | 14.5502% | 851 |
| Core capital (leverage) ratio | 14.8837% | 618 |
| Tier 1 risk-based capital ratio | 32.2993% | 420 |
| Total risk-based capital ratio | 33.5686% | 414 |
| Memoranda: |
| Average total assets | $494,394,500 | 1,367 |
| Average earning assets | $452,959,500 | 1,366 |
| Average equity | $71,605,000 | 976 |
| Average total loans | $225,315,000 | 1,823 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0329% | 6,398 |
| Cost of funding earning assets | 0.9720% | 3,566 |
| Net interest margin | 3.0609% | 6,426 |
| Noninterest income to average assets | 0.2525% | 5,720 |
| Noninterest expense to average assets | 1.9829% | 6,698 |
| Loan and lease loss provision to assets | 0.4900% | 2,160 |
| Net operating income to assets | 0.3999% | 4,865 |
| Return on assets (ROA) | 0.3999% | 5,038 |
| Pretax return on assets | 0.5954% | 4,711 |
| Return on Equity (ROE) | 2.7630% | 5,380 |
| Retained earnings to average equity (ytd only) | 2.7630% | 4,267 |
| Net charge-offs to loans | 0.7321% | 2,323 |
| Credit loss provision to net charge-offs | 142.1053% | 2,050 |
| Earnings coverage of net charge-offs (x) | 3.1478% | 3,634 |
| Efficiency ratio | 64.6242% | 5,015 |
| Assets per employee ($millions) | 6.4216% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4729% | 4,134 |
| Loan loss allowance to noncurrent loans | 42.4975% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 1.5904% | 3,561 |
| Noncurrent loans to loans | 3.4659% | 1,853 |
| Net loans and leases to total assets | 45.2111% | 6,089 |
| Net loans and leases to deposits | 56.2573% | 5,870 |
| Net loans and leases to core deposits | 56.9990% | 6,077 |
| Total domestic deposits to total assets | 80.3648% | 5,640 |
| Equity capital to assets | 14.4166% | 924 |
| Core capital (leverage) ratio | 14.8230% | 642 |
| Tier 1 risk-based capital ratio | 31.5809% | 444 |
| Total risk-based capital ratio | 32.8439% | 435 |
| Memoranda: |
| Average total assets | $490,394,000 | 1,363 |
| Average earning assets | $451,138,600 | 1,347 |
| Average equity | $70,973,600 | 946 |
| Average total loans | $230,989,400 | 1,806 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0885% | 6,437 |
| Cost of funding earning assets | 0.9997% | 3,676 |
| Net interest margin | 3.0888% | 6,408 |
| Noninterest income to average assets | 0.2553% | 5,797 |
| Noninterest expense to average assets | 1.9494% | 6,786 |
| Loan and lease loss provision to assets | 0.5321% | 1,855 |
| Net operating income to assets | 0.4117% | 4,947 |
| Return on assets (ROA) | 0.4117% | 5,137 |
| Pretax return on assets | 0.6182% | 4,746 |
| Return on Equity (ROE) | 2.8417% | 5,487 |
| Retained earnings to average equity (ytd only) | 2.8417% | 4,651 |
| Net charge-offs to loans | 0.5931% | 2,482 |
| Credit loss provision to net charge-offs | 189.2442% | 1,539 |
| Earnings coverage of net charge-offs (x) | 4.0911% | 3,185 |
| Efficiency ratio | 62.8900% | 5,263 |
| Assets per employee ($millions) | 6.2140% | 1,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5382% | 3,922 |
| Loan loss allowance to noncurrent loans | 41.1472% | 5,562 |
| Noncurrent assets plus other real estate owned to assets | 1.7360% | 3,495 |
| Noncurrent loans to loans | 3.7384% | 1,818 |
| Net loans and leases to total assets | 45.7231% | 6,166 |
| Net loans and leases to deposits | 56.7452% | 5,953 |
| Net loans and leases to core deposits | 57.3452% | 6,190 |
| Total domestic deposits to total assets | 80.5762% | 5,579 |
| Equity capital to assets | 14.4121% | 1,021 |
| Core capital (leverage) ratio | 14.7959% | 705 |
| Tier 1 risk-based capital ratio | 31.3753% | 479 |
| Total risk-based capital ratio | 32.6386% | 471 |
| Memoranda: |
| Average total assets | $489,376,250 | 1,368 |
| Average earning assets | $450,651,000 | 1,358 |
| Average equity | $70,895,750 | 958 |
| Average total loans | $232,013,000 | 1,812 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1219% | 6,440 |
| Cost of funding earning assets | 1.0261% | 3,776 |
| Net interest margin | 3.0958% | 6,419 |
| Noninterest income to average assets | 0.2531% | 5,839 |
| Noninterest expense to average assets | 1.9474% | 6,881 |
| Loan and lease loss provision to assets | 0.3718% | 2,562 |
| Net operating income to assets | 0.5090% | 4,460 |
| Return on assets (ROA) | 0.5090% | 4,602 |
| Pretax return on assets | 0.7847% | 4,088 |
| Return on Equity (ROE) | 3.5076% | 5,169 |
| Retained earnings to average equity (ytd only) | 3.5076% | 4,019 |
| Net charge-offs to loans | 0.0181% | 5,583 |
| Credit loss provision to net charge-offs | 4,309.5238% | 74 |
| Earnings coverage of net charge-offs (x) | 134.0476% | 265 |
| Efficiency ratio | 62.7399% | 5,445 |
| Assets per employee ($millions) | 5.9121% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5000% | 4,134 |
| Loan loss allowance to noncurrent loans | 36.5167% | 5,857 |
| Noncurrent assets plus other real estate owned to assets | 1.9611% | 3,288 |
| Noncurrent loans to loans | 4.1078% | 1,670 |
| Net loans and leases to total assets | 47.0236% | 6,151 |
| Net loans and leases to deposits | 58.5214% | 5,873 |
| Net loans and leases to core deposits | 59.1859% | 6,172 |
| Total domestic deposits to total assets | 80.3528% | 5,726 |
| Equity capital to assets | 14.5387% | 929 |
| Core capital (leverage) ratio | 14.8215% | 701 |
| Tier 1 risk-based capital ratio | 31.2646% | 483 |
| Total risk-based capital ratio | 32.5201% | 474 |
| Memoranda: |
| Average total assets | $486,795,670 | 1,382 |
| Average earning assets | $448,291,670 | 1,367 |
| Average equity | $70,646,000 | 964 |
| Average total loans | $232,401,000 | 1,833 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1173% | 6,474 |
| Cost of funding earning assets | 1.0470% | 3,874 |
| Net interest margin | 3.0703% | 6,418 |
| Noninterest income to average assets | 0.2327% | 6,051 |
| Noninterest expense to average assets | 1.9190% | 6,959 |
| Loan and lease loss provision to assets | 0.4232% | 2,075 |
| Net operating income to assets | 0.4892% | 4,524 |
| Return on assets (ROA) | 0.4892% | 4,611 |
| Pretax return on assets | 0.7211% | 4,219 |
| Return on Equity (ROE) | 3.3742% | 5,206 |
| Retained earnings to average equity (ytd only) | 3.3742% | 4,164 |
| Net charge-offs to loans | 0.0346% | 4,613 |
| Credit loss provision to net charge-offs | 2,565.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 69.3500% | 440 |
| Efficiency ratio | 62.6448% | 5,576 |
| Assets per employee ($millions) | 5.9895% | 1,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3345% | 4,971 |
| Loan loss allowance to noncurrent loans | 38.7565% | 5,717 |
| Noncurrent assets plus other real estate owned to assets | 1.6407% | 3,788 |
| Noncurrent loans to loans | 3.4433% | 2,178 |
| Net loans and leases to total assets | 47.0133% | 6,190 |
| Net loans and leases to deposits | 58.4587% | 5,886 |
| Net loans and leases to core deposits | 59.1577% | 6,171 |
| Total domestic deposits to total assets | 80.4213% | 5,834 |
| Equity capital to assets | 14.3759% | 913 |
| Core capital (leverage) ratio | 14.8899% | 681 |
| Tier 1 risk-based capital ratio | 31.0275% | 474 |
| Total risk-based capital ratio | 32.2773% | 464 |
| Memoranda: |
| Average total assets | $484,841,000 | 1,393 |
| Average earning assets | $446,994,000 | 1,382 |
| Average equity | $70,298,000 | 959 |
| Average total loans | $231,471,000 | 1,855 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5119% | 6,370 |
| Cost of funding earning assets | 1.3193% | 3,756 |
| Net interest margin | 3.1925% | 6,287 |
| Noninterest income to average assets | 0.2792% | 5,785 |
| Noninterest expense to average assets | 2.0219% | 6,985 |
| Loan and lease loss provision to assets | 0.2245% | 5,036 |
| Net operating income to assets | 0.6083% | 3,633 |
| Return on assets (ROA) | 0.6078% | 3,800 |
| Pretax return on assets | 0.9567% | 3,080 |
| Return on Equity (ROE) | 4.2272% | 4,418 |
| Retained earnings to average equity (ytd only) | 3.6464% | 3,310 |
| Net charge-offs to loans | 0.1601% | 5,383 |
| Credit loss provision to net charge-offs | 289.7574% | 933 |
| Earnings coverage of net charge-offs (x) | 15.2588% | 1,289 |
| Efficiency ratio | 63.1085% | 5,496 |
| Assets per employee ($millions) | 5.8359% | 1,328 |
| Cash dividends to net income (ytd only)* | 13.7410% | 3,644 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1489% | 5,741 |
| Loan loss allowance to noncurrent loans | 32.0224% | 6,174 |
| Noncurrent assets plus other real estate owned to assets | 1.7162% | 3,729 |
| Noncurrent loans to loans | 3.5877% | 2,093 |
| Net loans and leases to total assets | 47.2870% | 6,452 |
| Net loans and leases to deposits | 59.0001% | 6,153 |
| Net loans and leases to core deposits | 59.7268% | 6,413 |
| Total domestic deposits to total assets | 80.1474% | 5,794 |
| Equity capital to assets | 14.6258% | 876 |
| Core capital (leverage) ratio | 14.7013% | 714 |
| Tier 1 risk-based capital ratio | 30.6446% | 485 |
| Total risk-based capital ratio | 31.7788% | 479 |
| Memoranda: |
| Average total assets | $478,947,000 | 1,402 |
| Average earning assets | $438,777,200 | 1,388 |
| Average equity | $68,863,200 | 975 |
| Average total loans | $231,706,000 | 1,886 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5913% | 6,353 |
| Cost of funding earning assets | 1.3715% | 3,769 |
| Net interest margin | 3.2198% | 6,275 |
| Noninterest income to average assets | 0.2647% | 6,000 |
| Noninterest expense to average assets | 1.9677% | 7,104 |
| Loan and lease loss provision to assets | 0.1517% | 5,527 |
| Net operating income to assets | 0.6880% | 3,474 |
| Return on assets (ROA) | 0.6880% | 3,628 |
| Pretax return on assets | 1.0908% | 2,853 |
| Return on Equity (ROE) | 4.8059% | 4,405 |
| Retained earnings to average equity (ytd only) | 4.0282% | 3,640 |
| Net charge-offs to loans | 0.0797% | 5,724 |
| Credit loss provision to net charge-offs | 392.0863% | 778 |
| Earnings coverage of net charge-offs (x) | 32.1149% | 837 |
| Efficiency ratio | 61.2970% | 5,737 |
| Assets per employee ($millions) | 6.3526% | 1,042 |
| Cash dividends to net income (ytd only)* | 16.1812% | 3,118 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0145% | 6,331 |
| Loan loss allowance to noncurrent loans | 27.4159% | 6,489 |
| Noncurrent assets plus other real estate owned to assets | 1.7618% | 3,797 |
| Noncurrent loans to loans | 3.7003% | 2,102 |
| Net loans and leases to total assets | 47.1300% | 6,600 |
| Net loans and leases to deposits | 58.8588% | 6,393 |
| Net loans and leases to core deposits | 59.7503% | 6,630 |
| Total domestic deposits to total assets | 80.0729% | 5,682 |
| Equity capital to assets | 14.4545% | 1,031 |
| Core capital (leverage) ratio | 14.6352% | 788 |
| Tier 1 risk-based capital ratio | 29.9953% | 515 |
| Total risk-based capital ratio | 30.9837% | 513 |
| Memoranda: |
| Average total assets | $479,047,250 | 1,417 |
| Average earning assets | $438,240,750 | 1,404 |
| Average equity | $68,581,250 | 971 |
| Average total loans | $232,402,500 | 1,906 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6589% | 6,281 |
| Cost of funding earning assets | 1.4285% | 3,681 |
| Net interest margin | 3.2304% | 6,216 |
| Noninterest income to average assets | 0.2386% | 6,198 |
| Noninterest expense to average assets | 1.9238% | 7,224 |
| Loan and lease loss provision to assets | 0.0921% | 5,995 |
| Net operating income to assets | 0.7329% | 3,265 |
| Return on assets (ROA) | 0.7329% | 3,415 |
| Pretax return on assets | 1.1712% | 2,513 |
| Return on Equity (ROE) | 5.1364% | 4,220 |
| Retained earnings to average equity (ytd only) | 3.9631% | 3,555 |
| Net charge-offs to loans | 0.0575% | 5,587 |
| Credit loss provision to net charge-offs | 328.3582% | 1,115 |
| Earnings coverage of net charge-offs (x) | 45.0448% | 656 |
| Efficiency ratio | 60.3625% | 5,987 |
| Assets per employee ($millions) | 6.5391% | 940 |
| Cash dividends to net income (ytd only)* | 22.8441% | 2,799 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8975% | 6,766 |
| Loan loss allowance to noncurrent loans | 32.8748% | 6,177 |
| Noncurrent assets plus other real estate owned to assets | 1.3069% | 4,538 |
| Noncurrent loans to loans | 2.7302% | 2,919 |
| Net loans and leases to total assets | 47.4395% | 6,664 |
| Net loans and leases to deposits | 59.1513% | 6,486 |
| Net loans and leases to core deposits | 60.0546% | 6,711 |
| Total domestic deposits to total assets | 80.2003% | 5,669 |
| Equity capital to assets | 14.2549% | 1,086 |
| Core capital (leverage) ratio | 14.6156% | 799 |
| Tier 1 risk-based capital ratio | 29.6908% | 525 |
| Total risk-based capital ratio | 30.5706% | 534 |
| Memoranda: |
| Average total assets | $477,796,670 | 1,433 |
| Average earning assets | $436,110,670 | 1,424 |
| Average equity | $68,179,670 | 974 |
| Average total loans | $233,245,000 | 1,918 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7460% | 6,089 |
| Cost of funding earning assets | 1.4935% | 3,606 |
| Net interest margin | 3.2525% | 6,121 |
| Noninterest income to average assets | 0.2031% | 6,511 |
| Noninterest expense to average assets | 1.8940% | 7,339 |
| Loan and lease loss provision to assets | 0.0843% | 5,795 |
| Net operating income to assets | 0.7608% | 3,153 |
| Return on assets (ROA) | 0.7608% | 3,262 |
| Pretax return on assets | 1.1770% | 2,445 |
| Return on Equity (ROE) | 5.3290% | 4,196 |
| Retained earnings to average equity (ytd only) | 2.9684% | 4,346 |
| Net charge-offs to loans | 0.1145% | 4,294 |
| Credit loss provision to net charge-offs | 149.2537% | 2,394 |
| Earnings coverage of net charge-offs (x) | 22.3433% | 1,092 |
| Efficiency ratio | 60.0267% | 6,168 |
| Assets per employee ($millions) | 6.1096% | 1,187 |
| Cash dividends to net income (ytd only)* | 44.2968% | 1,639 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8436% | 7,013 |
| Loan loss allowance to noncurrent loans | 62.4283% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 0.6585% | 5,871 |
| Noncurrent loans to loans | 1.3513% | 4,721 |
| Net loans and leases to total assets | 48.3201% | 6,641 |
| Net loans and leases to deposits | 60.3902% | 6,430 |
| Net loans and leases to core deposits | 61.3101% | 6,654 |
| Total domestic deposits to total assets | 80.0132% | 5,785 |
| Equity capital to assets | 14.2756% | 1,078 |
| Core capital (leverage) ratio | 14.6279% | 822 |
| Tier 1 risk-based capital ratio | 29.3642% | 561 |
| Total risk-based capital ratio | 30.1940% | 572 |
| Memoranda: |
| Average total assets | $474,750,000 | 1,476 |
| Average earning assets | $430,931,000 | 1,481 |
| Average equity | $67,780,500 | 981 |
| Average total loans | $234,050,500 | 1,965 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8589% | 6,813 |
| Cost of funding earning assets | 2.1598% | 2,190 |
| Net interest margin | 2.6991% | 7,211 |
| Noninterest income to average assets | 0.2728% | 6,163 |
| Noninterest expense to average assets | 2.1616% | 7,066 |
| Loan and lease loss provision to assets | 0.1378% | 6,264 |
| Net operating income to assets | 0.3251% | 4,429 |
| Return on assets (ROA) | 0.2700% | 4,728 |
| Pretax return on assets | 0.3807% | 4,551 |
| Return on Equity (ROE) | 1.8672% | 4,957 |
| Retained earnings to average equity (ytd only) | 1.8672% | 3,788 |
| Net charge-offs to loans | 0.1160% | 6,006 |
| Credit loss provision to net charge-offs | 230.5455% | 1,596 |
| Earnings coverage of net charge-offs (x) | 9.9709% | 1,738 |
| Efficiency ratio | 78.3839% | 3,131 |
| Assets per employee ($millions) | 5.9867% | 1,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8165% | 7,080 |
| Loan loss allowance to noncurrent loans | 53.4851% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 0.7614% | 5,579 |
| Noncurrent loans to loans | 1.5267% | 4,359 |
| Net loans and leases to total assets | 49.4654% | 6,689 |
| Net loans and leases to deposits | 61.7804% | 6,489 |
| Net loans and leases to core deposits | 74.1439% | 6,524 |
| Total domestic deposits to total assets | 80.0664% | 5,653 |
| Equity capital to assets | 14.2786% | 1,087 |
| Core capital (leverage) ratio | 14.6683% | 846 |
| Tier 1 risk-based capital ratio | 29.3496% | 563 |
| Total risk-based capital ratio | 30.1711% | 570 |
| Memoranda: |
| Average total assets | $459,985,400 | 1,502 |
| Average earning assets | $423,469,400 | 1,492 |
| Average equity | $66,517,000 | 992 |
| Average total loans | $237,016,600 | 1,977 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8676% | 6,963 |
| Cost of funding earning assets | 2.2637% | 2,134 |
| Net interest margin | 2.6039% | 7,353 |
| Noninterest income to average assets | 0.2624% | 6,354 |
| Noninterest expense to average assets | 2.1365% | 7,119 |
| Loan and lease loss provision to assets | 0.0794% | 6,574 |
| Net operating income to assets | 0.3106% | 4,756 |
| Return on assets (ROA) | 0.3106% | 4,862 |
| Pretax return on assets | 0.4440% | 4,678 |
| Return on Equity (ROE) | 2.1409% | 5,116 |
| Retained earnings to average equity (ytd only) | 2.1409% | 4,129 |
| Net charge-offs to loans | 0.1545% | 5,170 |
| Credit loss provision to net charge-offs | 98.9091% | 5,171 |
| Earnings coverage of net charge-offs (x) | 6.5200% | 2,591 |
| Efficiency ratio | 80.3227% | 2,794 |
| Assets per employee ($millions) | 5.9000% | 1,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6626% | 7,458 |
| Loan loss allowance to noncurrent loans | 49.6508% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 0.7539% | 5,622 |
| Noncurrent loans to loans | 1.3346% | 4,704 |
| Net loans and leases to total assets | 50.3043% | 6,759 |
| Net loans and leases to deposits | 63.0939% | 6,580 |
| Net loans and leases to core deposits | 75.9153% | 6,620 |
| Total domestic deposits to total assets | 79.7293% | 5,550 |
| Equity capital to assets | 14.3756% | 1,178 |
| Core capital (leverage) ratio | 14.7809% | 900 |
| Tier 1 risk-based capital ratio | 29.3524% | 607 |
| Total risk-based capital ratio | 30.0213% | 617 |
| Memoranda: |
| Average total assets | $456,744,000 | 1,529 |
| Average earning assets | $420,542,500 | 1,521 |
| Average equity | $66,263,500 | 1,009 |
| Average total loans | $237,302,500 | 2,001 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9018% | 7,026 |
| Cost of funding earning assets | 2.3465% | 2,175 |
| Net interest margin | 2.5553% | 7,408 |
| Noninterest income to average assets | 0.2734% | 6,315 |
| Noninterest expense to average assets | 2.1749% | 7,111 |
| Loan and lease loss provision to assets | 0.0683% | 6,519 |
| Net operating income to assets | 0.2720% | 5,007 |
| Return on assets (ROA) | 0.2720% | 5,107 |
| Pretax return on assets | 0.3823% | 4,986 |
| Return on Equity (ROE) | 1.8692% | 5,348 |
| Retained earnings to average equity (ytd only) | 1.8692% | 4,304 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8380% | 2,621 |
| Assets per employee ($millions) | 5.9063% | 1,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7393% | 7,337 |
| Loan loss allowance to noncurrent loans | 53.0663% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 0.7044% | 5,647 |
| Noncurrent loans to loans | 1.3931% | 4,426 |
| Net loans and leases to total assets | 50.1874% | 6,856 |
| Net loans and leases to deposits | 63.1362% | 6,643 |
| Net loans and leases to core deposits | 75.6242% | 6,700 |
| Total domestic deposits to total assets | 79.4907% | 5,656 |
| Equity capital to assets | 14.4136% | 1,189 |
| Core capital (leverage) ratio | 14.8244% | 958 |
| Tier 1 risk-based capital ratio | 29.5360% | 628 |
| Total risk-based capital ratio | 30.2831% | 643 |
| Memoranda: |
| Average total assets | $453,625,000 | 1,557 |
| Average earning assets | $417,561,670 | 1,552 |
| Average equity | $66,016,330 | 1,023 |
| Average total loans | $237,725,670 | 2,022 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9915% | 6,949 |
| Cost of funding earning assets | 2.4248% | 2,192 |
| Net interest margin | 2.5668% | 7,416 |
| Noninterest income to average assets | 0.2719% | 6,253 |
| Noninterest expense to average assets | 2.1071% | 7,100 |
| Loan and lease loss provision to assets | 0.0587% | 6,225 |
| Net operating income to assets | 0.3422% | 5,105 |
| Return on assets (ROA) | 0.3422% | 5,288 |
| Pretax return on assets | 0.4675% | 5,184 |
| Return on Equity (ROE) | 2.3396% | 5,646 |
| Retained earnings to average equity (ytd only) | 2.3396% | 4,576 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0202% | 2,819 |
| Assets per employee ($millions) | 5.9076% | 1,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6877% | 7,471 |
| Loan loss allowance to noncurrent loans | 130.0159% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.2761% | 6,678 |
| Noncurrent loans to loans | 0.5289% | 6,098 |
| Net loans and leases to total assets | 51.8442% | 6,702 |
| Net loans and leases to deposits | 65.3443% | 6,433 |
| Net loans and leases to core deposits | 78.1066% | 6,528 |
| Total domestic deposits to total assets | 79.3401% | 5,595 |
| Equity capital to assets | 14.5274% | 1,227 |
| Core capital (leverage) ratio | 15.0772% | 955 |
| Tier 1 risk-based capital ratio | 29.6750% | 636 |
| Total risk-based capital ratio | 30.3890% | 659 |
| Memoranda: |
| Average total assets | $450,093,000 | 1,574 |
| Average earning assets | $414,060,500 | 1,568 |
| Average equity | $65,823,500 | 1,028 |
| Average total loans | $240,123,500 | 2,024 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2586% | 7,641 |
| Cost of funding earning assets | 2.8623% | 2,432 |
| Net interest margin | 2.3962% | 7,854 |
| Noninterest income to average assets | 0.2979% | 6,331 |
| Noninterest expense to average assets | 2.0387% | 7,372 |
| Loan and lease loss provision to assets | 0.0573% | 6,699 |
| Net operating income to assets | 0.5085% | 4,690 |
| Return on assets (ROA) | 0.5085% | 4,540 |
| Pretax return on assets | 0.4092% | 5,236 |
| Return on Equity (ROE) | 3.3975% | 5,087 |
| Retained earnings to average equity (ytd only) | 3.3975% | 3,035 |
| Net charge-offs to loans | 0.0679% | 5,797 |
| Credit loss provision to net charge-offs | 165.5629% | 3,106 |
| Earnings coverage of net charge-offs (x) | 13.4702% | 2,129 |
| Efficiency ratio | 81.3787% | 2,391 |
| Assets per employee ($millions) | 6.1000% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6454% | 7,561 |
| Loan loss allowance to noncurrent loans | 190.6326% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.1846% | 6,820 |
| Noncurrent loans to loans | 0.3386% | 6,360 |
| Net loans and leases to total assets | 54.1691% | 6,634 |
| Net loans and leases to deposits | 68.7536% | 6,393 |
| Net loans and leases to core deposits | 81.4470% | 6,498 |
| Total domestic deposits to total assets | 78.7873% | 5,453 |
| Equity capital to assets | 14.7236% | 1,242 |
| Core capital (leverage) ratio | 15.2408% | 971 |
| Tier 1 risk-based capital ratio | 29.8184% | 651 |
| Total risk-based capital ratio | 30.5108% | 668 |
| Memoranda: |
| Average total assets | $436,008,200 | 1,566 |
| Average earning assets | $401,628,200 | 1,553 |
| Average equity | $65,254,600 | 1,027 |
| Average total loans | $222,348,200 | 2,107 |
