Home > Toyota Financial Savings Bank > Performance and Condition Ratios
Toyota Financial Savings Bank, Performance and Condition Ratios
| 2025-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 300 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7608% | 3,560 |
| Cost of funding earning assets | 3.4200% | 127 |
| Net interest margin | 1.3408% | 4,355 |
| Noninterest income to average assets | 1.2900% | 397 |
| Noninterest expense to average assets | 1.6168% | 4,091 |
| Loan and lease loss provision to assets | 0.5100% | 215 |
| Net operating income to assets | 0.2768% | 3,941 |
| Return on assets (ROA) | 0.2854% | 3,961 |
| Pretax return on assets | 0.4117% | 3,892 |
| Return on Equity (ROE) | 3.1200% | 3,903 |
| Retained earnings to average equity (ytd only) | 3.1249% | 3,173 |
| Net charge-offs to loans | 0.0049% | 2,435 |
| Credit loss provision to net charge-offs | 20,473.5043% | 23 |
| Earnings coverage of net charge-offs (x) | 364.3932% | 372 |
| Efficiency ratio | 64.0043% | 2,266 |
| Assets per employee ($millions) | 56.0039% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7005% | 3,975 |
| Loan loss allowance to noncurrent loans | 4,025.0740% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 3,712 |
| Noncurrent loans to loans | 0.0174% | 3,647 |
| Net loans and leases to total assets | 49.1400% | 3,633 |
| Net loans and leases to deposits | 56.6923% | 3,683 |
| Net loans and leases to core deposits | 229.6878% | 35 |
| Total domestic deposits to total assets | 86.6800% | 1,889 |
| Equity capital to assets | 7.4364% | 3,854 |
| Core capital (leverage) ratio | 8.8438% | 3,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1667% | 1,444 |
| Memoranda: | ||
| Average total assets | $9,377,531,333 | 172 |
| Average earning assets | $8,646,073,333 | 164 |
| Average equity | $856,469,000 | 196 |
| Average total loans | $4,817,350,333 | 212 |
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5270% | 3,857 |
| Cost of funding earning assets | 3.2424% | 187 |
| Net interest margin | 1.2846% | 4,396 |
| Noninterest income to average assets | 0.4300% | 2,064 |
| Noninterest expense to average assets | 0.9768% | 4,388 |
| Loan and lease loss provision to assets | 0.3900% | 259 |
| Net operating income to assets | 0.1888% | 3,982 |
| Return on assets (ROA) | 0.2084% | 3,995 |
| Pretax return on assets | 0.3132% | 3,926 |
| Return on Equity (ROE) | 2.0100% | 3,991 |
| Retained earnings to average equity (ytd only) | 2.0132% | 3,316 |
| Net charge-offs to loans | -0.0002% | 3,428 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 58.8686% | 3,099 |
| Assets per employee ($millions) | 79.0581% | 24 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5312% | 4,234 |
| Loan loss allowance to noncurrent loans | 78,184.3750% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 3,808 |
| Noncurrent loans to loans | 0.0007% | 3,777 |
| Net loans and leases to total assets | 51.0900% | 3,516 |
| Net loans and leases to deposits | 61.6413% | 3,398 |
| Net loans and leases to core deposits | 182.5780% | 63 |
| Total domestic deposits to total assets | 82.8700% | 3,140 |
| Equity capital to assets | 9.3598% | 2,677 |
| Core capital (leverage) ratio | 11.5897% | 1,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7207% | 598 |
| Memoranda: | ||
| Average total assets | $8,185,889,500 | 192 |
| Average earning assets | $7,802,264,000 | 181 |
| Average equity | $847,410,500 | 199 |
| Average total loans | $4,315,879,500 | 241 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5894% | 3,768 |
| Cost of funding earning assets | 3.2729% | 293 |
| Net interest margin | 1.3165% | 4,397 |
| Noninterest income to average assets | 0.0700% | 4,316 |
| Noninterest expense to average assets | 0.6009% | 4,436 |
| Loan and lease loss provision to assets | 0.1100% | 1,276 |
| Net operating income to assets | 0.4828% | 3,525 |
| Return on assets (ROA) | 0.4922% | 3,513 |
| Pretax return on assets | 0.6640% | 3,334 |
| Return on Equity (ROE) | 3.8500% | 3,723 |
| Retained earnings to average equity (ytd only) | 3.8457% | 2,690 |
| Net charge-offs to loans | -0.0002% | 3,681 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 44.0943% | 4,231 |
| Assets per employee ($millions) | 61.0257% | 25 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4319% | 4,314 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 54.2300% | 3,381 |
| Net loans and leases to deposits | 67.8660% | 3,089 |
| Net loans and leases to core deposits | 312.4297% | 18 |
| Total domestic deposits to total assets | 79.9000% | 3,577 |
| Equity capital to assets | 11.6158% | 1,320 |
| Core capital (leverage) ratio | 13.0221% | 1,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7621% | 294 |
| Memoranda: | ||
| Average total assets | $6,408,715,400 | 238 |
| Average earning assets | $6,299,999,800 | 218 |
| Average equity | $820,191,600 | 200 |
| Average total loans | $3,468,335,200 | 281 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5660% | 3,747 |
| Cost of funding earning assets | 3.1990% | 356 |
| Net interest margin | 1.3670% | 4,422 |
| Noninterest income to average assets | 0.0600% | 4,350 |
| Noninterest expense to average assets | 0.6195% | 4,463 |
| Loan and lease loss provision to assets | 0.1700% | 713 |
| Net operating income to assets | 0.4636% | 3,548 |
| Return on assets (ROA) | 0.4701% | 3,570 |
| Pretax return on assets | 0.6249% | 3,425 |
| Return on Equity (ROE) | 3.5800% | 3,795 |
| Retained earnings to average equity (ytd only) | 3.5778% | 2,987 |
| Net charge-offs to loans | -0.0002% | 3,558 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 44.0068% | 4,231 |
| Assets per employee ($millions) | 58.8409% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4809% | 4,321 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 53.0200% | 3,485 |
| Net loans and leases to deposits | 67.2291% | 3,171 |
| Net loans and leases to core deposits | 292.9828% | 20 |
| Total domestic deposits to total assets | 78.8700% | 3,625 |
| Equity capital to assets | 12.3476% | 1,152 |
| Core capital (leverage) ratio | 13.2271% | 1,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5255% | 267 |
| Memoranda: | ||
| Average total assets | $6,210,635,250 | 240 |
| Average earning assets | $6,108,739,250 | 223 |
| Average equity | $816,124,250 | 200 |
| Average total loans | $3,354,953,000 | 284 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3921% | 3,929 |
| Cost of funding earning assets | 3.0274% | 453 |
| Net interest margin | 1.3647% | 4,441 |
| Noninterest income to average assets | 0.0600% | 4,367 |
| Noninterest expense to average assets | 0.6078% | 4,484 |
| Loan and lease loss provision to assets | 0.1600% | 715 |
| Net operating income to assets | 0.4764% | 3,491 |
| Return on assets (ROA) | 0.4752% | 3,531 |
| Pretax return on assets | 0.6292% | 3,386 |
| Return on Equity (ROE) | 3.5300% | 3,804 |
| Retained earnings to average equity (ytd only) | 3.5332% | 2,878 |
| Net charge-offs to loans | -0.0002% | 3,489 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 43.3296% | 4,266 |
| Assets per employee ($millions) | 55.0274% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4014% | 4,384 |
| Loan loss allowance to noncurrent loans | 3,188.6214% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 3,750 |
| Noncurrent loans to loans | 0.0126% | 3,696 |
| Net loans and leases to total assets | 57.1400% | 3,178 |
| Net loans and leases to deposits | 73.4518% | 2,733 |
| Net loans and leases to core deposits | 275.1994% | 18 |
| Total domestic deposits to total assets | 77.7900% | 3,733 |
| Equity capital to assets | 12.7129% | 951 |
| Core capital (leverage) ratio | 14.9389% | 636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5772% | 269 |
| Memoranda: | ||
| Average total assets | $5,966,440,000 | 247 |
| Average earning assets | $5,865,358,333 | 227 |
| Average equity | $802,392,000 | 199 |
| Average total loans | $3,240,206,667 | 295 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2730% | 3,991 |
| Cost of funding earning assets | 3.0342% | 406 |
| Net interest margin | 1.2388% | 4,490 |
| Noninterest income to average assets | 0.0600% | 4,368 |
| Noninterest expense to average assets | 0.6646% | 4,510 |
| Loan and lease loss provision to assets | 0.1000% | 1,031 |
| Net operating income to assets | 0.3822% | 3,661 |
| Return on assets (ROA) | 0.3807% | 3,687 |
| Pretax return on assets | 0.5143% | 3,545 |
| Return on Equity (ROE) | 2.7500% | 3,896 |
| Retained earnings to average equity (ytd only) | 2.7489% | 3,052 |
| Net charge-offs to loans | -0.0003% | 3,399 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 52.0071% | 3,905 |
| Assets per employee ($millions) | 52.3773% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3533% | 4,391 |
| Loan loss allowance to noncurrent loans | 2,472.0524% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 3,768 |
| Noncurrent loans to loans | 0.0143% | 3,682 |
| Net loans and leases to total assets | 53.4900% | 3,385 |
| Net loans and leases to deposits | 69.9394% | 2,889 |
| Net loans and leases to core deposits | 219.3166% | 69 |
| Total domestic deposits to total assets | 76.4700% | 3,944 |
| Equity capital to assets | 13.4337% | 767 |
| Core capital (leverage) ratio | 15.3014% | 571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.5707% | 207 |
| Memoranda: | ||
| Average total assets | $5,785,583,000 | 254 |
| Average earning assets | $5,687,114,500 | 234 |
| Average equity | $801,341,500 | 202 |
| Average total loans | $3,045,104,000 | 309 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4700% | 4,402 |
| Cost of funding earning assets | 2.6536% | 271 |
| Net interest margin | 0.8164% | 4,551 |
| Noninterest income to average assets | 0.0600% | 4,411 |
| Noninterest expense to average assets | 0.5912% | 4,530 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.1856% | 4,182 |
| Return on assets (ROA) | 0.1861% | 4,197 |
| Pretax return on assets | 0.2723% | 4,118 |
| Return on Equity (ROE) | 1.3800% | 4,224 |
| Retained earnings to average equity (ytd only) | -0.5753% | 4,147 |
| Net charge-offs to loans | -0.0002% | 3,529 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 68.5085% | 2,052 |
| Assets per employee ($millions) | 49.5589% | 30 |
| Cash dividends to net income (ytd only)* | 141.5467% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3451% | 4,410 |
| Loan loss allowance to noncurrent loans | 2,164.5652% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 3,736 |
| Noncurrent loans to loans | 0.0159% | 3,633 |
| Net loans and leases to total assets | 51.3400% | 3,518 |
| Net loans and leases to deposits | 68.4497% | 2,994 |
| Net loans and leases to core deposits | 193.6179% | 84 |
| Total domestic deposits to total assets | 75.0100% | 4,027 |
| Equity capital to assets | 14.2953% | 634 |
| Core capital (leverage) ratio | 15.9191% | 496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.6290% | 169 |
| Memoranda: | ||
| Average total assets | $5,788,645,800 | 249 |
| Average earning assets | $5,662,025,000 | 235 |
| Average equity | $777,803,200 | 200 |
| Average total loans | $2,522,527,600 | 343 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3302% | 4,446 |
| Cost of funding earning assets | 2.5748% | 245 |
| Net interest margin | 0.7554% | 4,567 |
| Noninterest income to average assets | 0.0600% | 4,432 |
| Noninterest expense to average assets | 0.5801% | 4,554 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.1276% | 4,294 |
| Return on assets (ROA) | 0.1257% | 4,315 |
| Pretax return on assets | 0.1862% | 4,273 |
| Return on Equity (ROE) | 0.9500% | 4,321 |
| Retained earnings to average equity (ytd only) | -1.6831% | 4,298 |
| Net charge-offs to loans | -0.0003% | 3,429 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.3349% | 1,530 |
| Assets per employee ($millions) | 50.2143% | 30 |
| Cash dividends to net income (ytd only)* | 277.2182% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4164% | 4,398 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 46.8600% | 3,791 |
| Net loans and leases to deposits | 62.2854% | 3,387 |
| Net loans and leases to core deposits | 164.3491% | 92 |
| Total domestic deposits to total assets | 75.2300% | 4,077 |
| Equity capital to assets | 13.7557% | 683 |
| Core capital (leverage) ratio | 16.0658% | 484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.4568% | 141 |
| Memoranda: | ||
| Average total assets | $5,835,768,500 | 250 |
| Average earning assets | $5,702,374,750 | 236 |
| Average equity | $772,114,500 | 200 |
| Average total loans | $2,431,844,250 | 355 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2121% | 4,493 |
| Cost of funding earning assets | 2.4805% | 199 |
| Net interest margin | 0.7316% | 4,606 |
| Noninterest income to average assets | 0.0600% | 4,461 |
| Noninterest expense to average assets | 0.6005% | 4,586 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.0893% | 4,370 |
| Return on assets (ROA) | 0.0890% | 4,406 |
| Pretax return on assets | 0.1413% | 4,367 |
| Return on Equity (ROE) | 0.6800% | 4,394 |
| Retained earnings to average equity (ytd only) | 0.6810% | 3,963 |
| Net charge-offs to loans | -0.0003% | 3,378 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.3215% | 1,060 |
| Assets per employee ($millions) | 49.3142% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4527% | 4,413 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 45.3200% | 3,831 |
| Net loans and leases to deposits | 56.1799% | 3,634 |
| Net loans and leases to core deposits | 145.2475% | 167 |
| Total domestic deposits to total assets | 80.6700% | 3,477 |
| Equity capital to assets | 14.5274% | 574 |
| Core capital (leverage) ratio | 15.7013% | 504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.6821% | 125 |
| Memoranda: | ||
| Average total assets | $5,956,573,000 | 243 |
| Average earning assets | $5,816,457,000 | 226 |
| Average equity | $778,520,333 | 195 |
| Average total loans | $2,384,009,333 | 346 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0552% | 4,547 |
| Cost of funding earning assets | 2.3402% | 135 |
| Net interest margin | 0.7150% | 4,662 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 0.6015% | 4,657 |
| Loan and lease loss provision to assets | -0.0100% | 4,432 |
| Net operating income to assets | 0.0916% | 4,436 |
| Return on assets (ROA) | 0.0936% | 4,410 |
| Pretax return on assets | 0.1646% | 4,370 |
| Return on Equity (ROE) | 0.7500% | 4,394 |
| Retained earnings to average equity (ytd only) | 0.7523% | 3,900 |
| Net charge-offs to loans | -0.0003% | 3,264 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.5782% | 863 |
| Assets per employee ($millions) | 52.7098% | 31 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4681% | 4,460 |
| Loan loss allowance to noncurrent loans | 6,241.2429% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 3,886 |
| Noncurrent loans to loans | 0.0075% | 3,782 |
| Net loans and leases to total assets | 39.7900% | 4,049 |
| Net loans and leases to deposits | 48.4214% | 3,946 |
| Net loans and leases to core deposits | 146.5663% | 140 |
| Total domestic deposits to total assets | 82.1800% | 3,457 |
| Equity capital to assets | 13.3535% | 689 |
| Core capital (leverage) ratio | 14.5772% | 646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.4147% | 116 |
| Memoranda: | ||
| Average total assets | $6,247,236,000 | 236 |
| Average earning assets | $6,090,521,000 | 222 |
| Average equity | $777,339,500 | 200 |
| Average total loans | $2,352,435,500 | 362 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3675% | 4,542 |
| Cost of funding earning assets | 1.4463% | 35 |
| Net interest margin | 0.9212% | 4,680 |
| Noninterest income to average assets | 0.0700% | 4,528 |
| Noninterest expense to average assets | 0.5398% | 4,684 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 0.3379% | 4,331 |
| Return on assets (ROA) | 0.3322% | 4,308 |
| Pretax return on assets | 0.4450% | 4,231 |
| Return on Equity (ROE) | 2.2200% | 4,367 |
| Retained earnings to average equity (ytd only) | 0.3914% | 4,285 |
| Net charge-offs to loans | -0.0016% | 3,411 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.3895% | 3,641 |
| Assets per employee ($millions) | 74.0558% | 26 |
| Cash dividends to net income (ytd only)* | 82.3751% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4762% | 4,454 |
| Loan loss allowance to noncurrent loans | 6,307.9096% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 3,916 |
| Noncurrent loans to loans | 0.0075% | 3,802 |
| Net loans and leases to total assets | 35.4000% | 4,244 |
| Net loans and leases to deposits | 41.3883% | 4,206 |
| Net loans and leases to core deposits | 137.7322% | 155 |
| Total domestic deposits to total assets | 85.5400% | 2,845 |
| Equity capital to assets | 11.6273% | 1,041 |
| Core capital (leverage) ratio | 13.3444% | 854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.7181% | 121 |
| Memoranda: | ||
| Average total assets | $5,444,385,600 | 260 |
| Average earning assets | $5,330,471,800 | 243 |
| Average equity | $814,496,000 | 188 |
| Average total loans | $2,030,703,200 | 373 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0908% | 4,588 |
| Cost of funding earning assets | 1.1230% | 34 |
| Net interest margin | 0.9678% | 4,696 |
| Noninterest income to average assets | 0.0600% | 4,582 |
| Noninterest expense to average assets | 0.5171% | 4,728 |
| Loan and lease loss provision to assets | -0.0500% | 4,490 |
| Net operating income to assets | 0.4147% | 4,215 |
| Return on assets (ROA) | 0.4064% | 4,172 |
| Pretax return on assets | 0.5309% | 4,100 |
| Return on Equity (ROE) | 2.5400% | 4,354 |
| Retained earnings to average equity (ytd only) | 0.1324% | 4,316 |
| Net charge-offs to loans | -0.0010% | 3,182 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.0333% | 4,085 |
| Assets per employee ($millions) | 72.1768% | 26 |
| Cash dividends to net income (ytd only)* | 94.7777% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4744% | 4,499 |
| Loan loss allowance to noncurrent loans | 5,842.9379% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 3,996 |
| Noncurrent loans to loans | 0.0081% | 3,889 |
| Net loans and leases to total assets | 34.1600% | 4,298 |
| Net loans and leases to deposits | 39.9622% | 4,238 |
| Net loans and leases to core deposits | 117.6397% | 302 |
| Total domestic deposits to total assets | 85.4800% | 3,182 |
| Equity capital to assets | 11.8034% | 922 |
| Core capital (leverage) ratio | 14.7958% | 565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.9825% | 111 |
| Memoranda: | ||
| Average total assets | $5,157,739,500 | 270 |
| Average earning assets | $5,064,741,000 | 253 |
| Average equity | $826,532,000 | 186 |
| Average total loans | $1,952,215,500 | 380 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8475% | 4,658 |
| Cost of funding earning assets | 0.8404% | 81 |
| Net interest margin | 1.0071% | 4,730 |
| Noninterest income to average assets | 0.0643% | 4,599 |
| Noninterest expense to average assets | 0.5190% | 4,753 |
| Loan and lease loss provision to assets | 0.0263% | 2,126 |
| Net operating income to assets | 0.3896% | 4,125 |
| Return on assets (ROA) | 0.3806% | 4,098 |
| Pretax return on assets | 0.4969% | 4,006 |
| Return on Equity (ROE) | 2.1257% | 4,340 |
| Retained earnings to average equity (ytd only) | 2.1257% | 3,716 |
| Net charge-offs to loans | -0.0003% | 2,970 |
| Credit loss provision to net charge-offs | -20,866.6667% | 3,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2602% | 4,295 |
| Assets per employee ($millions) | 60.7889% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6515% | 4,408 |
| Loan loss allowance to noncurrent loans | 1,540.3636% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 3,861 |
| Noncurrent loans to loans | 0.0423% | 3,629 |
| Net loans and leases to total assets | 36.6432% | 4,221 |
| Net loans and leases to deposits | 44.9407% | 4,072 |
| Net loans and leases to core deposits | 105.8820% | 455 |
| Total domestic deposits to total assets | 81.5367% | 4,067 |
| Equity capital to assets | 15.3533% | 377 |
| Core capital (leverage) ratio | 18.2124% | 266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 59.5720% | 50 |
| Memoranda: | ||
| Average total assets | $4,759,800,000 | 278 |
| Average earning assets | $4,675,322,000 | 268 |
| Average equity | $852,142,333 | 182 |
| Average total loans | $1,876,293,333 | 386 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6882% | 4,686 |
| Cost of funding earning assets | 0.7245% | 134 |
| Net interest margin | 0.9637% | 4,757 |
| Noninterest income to average assets | 0.0837% | 4,560 |
| Noninterest expense to average assets | 0.5850% | 4,774 |
| Loan and lease loss provision to assets | -0.0666% | 4,546 |
| Net operating income to assets | 0.3942% | 3,967 |
| Return on assets (ROA) | 0.3830% | 3,959 |
| Pretax return on assets | 0.4986% | 3,874 |
| Return on Equity (ROE) | 1.9738% | 4,262 |
| Retained earnings to average equity (ytd only) | 1.9738% | 3,549 |
| Net charge-offs to loans | -0.0004% | 2,975 |
| Credit loss provision to net charge-offs | 37,400.0000% | 8 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7262% | 3,817 |
| Assets per employee ($millions) | 59.4816% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6086% | 4,504 |
| Loan loss allowance to noncurrent loans | 1,373.5758% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 3,877 |
| Noncurrent loans to loans | 0.0443% | 3,663 |
| Net loans and leases to total assets | 40.4058% | 3,984 |
| Net loans and leases to deposits | 52.5999% | 3,526 |
| Net loans and leases to core deposits | 103.6310% | 411 |
| Total domestic deposits to total assets | 76.8173% | 4,472 |
| Equity capital to assets | 18.5158% | 208 |
| Core capital (leverage) ratio | 20.0582% | 167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 63.0121% | 50 |
| Memoranda: | ||
| Average total assets | $4,495,384,000 | 292 |
| Average earning assets | $4,419,569,500 | 277 |
| Average equity | $872,224,500 | 184 |
| Average total loans | $1,839,124,000 | 390 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0408% | 4,672 |
| Cost of funding earning assets | 0.7535% | 258 |
| Net interest margin | 1.2873% | 4,748 |
| Noninterest income to average assets | 0.1537% | 4,382 |
| Noninterest expense to average assets | 0.6931% | 4,800 |
| Loan and lease loss provision to assets | 0.1086% | 1,163 |
| Net operating income to assets | 0.4584% | 4,168 |
| Return on assets (ROA) | 0.4558% | 4,218 |
| Pretax return on assets | 0.6151% | 4,081 |
| Return on Equity (ROE) | 1.8254% | 4,518 |
| Retained earnings to average equity (ytd only) | 1.8254% | 4,032 |
| Net charge-offs to loans | -0.0148% | 3,871 |
| Credit loss provision to net charge-offs | -1,281.3230% | 3,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8090% | 4,361 |
| Assets per employee ($millions) | 59.6039% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6650% | 4,478 |
| Loan loss allowance to noncurrent loans | 1,188.7795% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 3,896 |
| Noncurrent loans to loans | 0.0559% | 3,676 |
| Net loans and leases to total assets | 40.9057% | 4,039 |
| Net loans and leases to deposits | 54.6823% | 3,542 |
| Net loans and leases to core deposits | 124.5304% | 131 |
| Total domestic deposits to total assets | 74.8060% | 4,561 |
| Equity capital to assets | 20.3236% | 170 |
| Core capital (leverage) ratio | 20.8568% | 148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 66.5188% | 46 |
| Memoranda: | ||
| Average total assets | $3,033,351,200 | 370 |
| Average earning assets | $2,983,887,400 | 350 |
| Average equity | $757,405,400 | 203 |
| Average total loans | $1,731,505,000 | 403 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2075% | 4,712 |
| Cost of funding earning assets | 0.7653% | 289 |
| Net interest margin | 1.4422% | 4,818 |
| Noninterest income to average assets | 0.1727% | 4,344 |
| Noninterest expense to average assets | 0.7736% | 4,872 |
| Loan and lease loss provision to assets | 0.0945% | 1,262 |
| Net operating income to assets | 0.5357% | 4,131 |
| Return on assets (ROA) | 0.5330% | 4,182 |
| Pretax return on assets | 0.7183% | 4,041 |
| Return on Equity (ROE) | 1.9834% | 4,594 |
| Retained earnings to average equity (ytd only) | 1.9834% | 4,188 |
| Net charge-offs to loans | -0.0200% | 3,968 |
| Credit loss provision to net charge-offs | -744.1406% | 3,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6620% | 4,322 |
| Assets per employee ($millions) | 47.3375% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6099% | 4,625 |
| Loan loss allowance to noncurrent loans | 440.2389% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 3,654 |
| Noncurrent loans to loans | 0.1385% | 3,419 |
| Net loans and leases to total assets | 48.4145% | 3,583 |
| Net loans and leases to deposits | 70.0973% | 2,237 |
| Net loans and leases to core deposits | 256.9320% | 23 |
| Total domestic deposits to total assets | 69.0675% | 4,757 |
| Equity capital to assets | 24.9928% | 97 |
| Core capital (leverage) ratio | 28.5682% | 74 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 70.9303% | 45 |
| Memoranda: | ||
| Average total assets | $2,689,017,750 | 409 |
| Average earning assets | $2,641,976,750 | 390 |
| Average equity | $722,654,750 | 210 |
| Average total loans | $1,710,306,750 | 411 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4005% | 4,674 |
| Cost of funding earning assets | 0.7966% | 297 |
| Net interest margin | 1.6039% | 4,829 |
| Noninterest income to average assets | 0.1940% | 4,229 |
| Noninterest expense to average assets | 0.9185% | 4,886 |
| Loan and lease loss provision to assets | 0.0812% | 1,498 |
| Net operating income to assets | 0.5659% | 4,060 |
| Return on assets (ROA) | 0.5625% | 4,118 |
| Pretax return on assets | 0.7640% | 3,935 |
| Return on Equity (ROE) | 2.0219% | 4,590 |
| Retained earnings to average equity (ytd only) | 2.0219% | 4,106 |
| Net charge-offs to loans | -0.0299% | 4,154 |
| Credit loss provision to net charge-offs | -381.4961% | 3,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9484% | 4,054 |
| Assets per employee ($millions) | 35.2974% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5780% | 4,677 |
| Loan loss allowance to noncurrent loans | 434.0009% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 3,649 |
| Noncurrent loans to loans | 0.1332% | 3,523 |
| Net loans and leases to total assets | 62.5335% | 2,114 |
| Net loans and leases to deposits | 107.1512% | 142 |
| Net loans and leases to core deposits | 346.4109% | 19 |
| Total domestic deposits to total assets | 58.3601% | 4,878 |
| Equity capital to assets | 33.5530% | 50 |
| Core capital (leverage) ratio | 33.9964% | 51 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 86.6480% | 34 |
| Memoranda: | ||
| Average total assets | $2,386,140,333 | 454 |
| Average earning assets | $2,341,650,667 | 424 |
| Average equity | $663,822,333 | 223 |
| Average total loans | $1,696,251,667 | 419 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5289% | 4,628 |
| Cost of funding earning assets | 0.8366% | 299 |
| Net interest margin | 1.6924% | 4,840 |
| Noninterest income to average assets | 0.1719% | 4,334 |
| Noninterest expense to average assets | 1.0721% | 4,892 |
| Loan and lease loss provision to assets | -0.0395% | 4,631 |
| Net operating income to assets | 0.5772% | 4,001 |
| Return on assets (ROA) | 0.5686% | 4,072 |
| Pretax return on assets | 0.7925% | 3,827 |
| Return on Equity (ROE) | 2.3317% | 4,570 |
| Retained earnings to average equity (ytd only) | 2.3317% | 3,946 |
| Net charge-offs to loans | -0.0005% | 3,012 |
| Credit loss provision to net charge-offs | 11,050.0000% | 51 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3917% | 3,248 |
| Assets per employee ($millions) | 33.8969% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4872% | 4,784 |
| Loan loss allowance to noncurrent loans | 344.4859% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.0962% | 3,706 |
| Noncurrent loans to loans | 0.1414% | 3,610 |
| Net loans and leases to total assets | 67.6546% | 1,574 |
| Net loans and leases to deposits | 121.6669% | 61 |
| Net loans and leases to core deposits | 387.7862% | 15 |
| Total domestic deposits to total assets | 55.6064% | 4,907 |
| Equity capital to assets | 35.7693% | 46 |
| Core capital (leverage) ratio | 45.1628% | 33 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 104.6338% | 31 |
| Memoranda: | ||
| Average total assets | $2,237,909,500 | 473 |
| Average earning assets | $2,200,449,500 | 446 |
| Average equity | $545,687,000 | 252 |
| Average total loans | $1,700,738,500 | 416 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1209% | 4,542 |
| Cost of funding earning assets | 1.5703% | 57 |
| Net interest margin | 1.5505% | 4,916 |
| Noninterest income to average assets | 0.2429% | 4,037 |
| Noninterest expense to average assets | 0.9357% | 4,941 |
| Loan and lease loss provision to assets | 0.2385% | 1,631 |
| Net operating income to assets | 0.4123% | 4,221 |
| Return on assets (ROA) | 0.4160% | 4,293 |
| Pretax return on assets | 0.5762% | 4,131 |
| Return on Equity (ROE) | 3.6594% | 4,233 |
| Retained earnings to average equity (ytd only) | 3.6594% | 3,001 |
| Net charge-offs to loans | -0.0253% | 4,488 |
| Credit loss provision to net charge-offs | -1,083.1395% | 4,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5991% | 4,253 |
| Assets per employee ($millions) | 29.8098% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5028% | 4,790 |
| Loan loss allowance to noncurrent loans | 866.6667% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 4,088 |
| Noncurrent loans to loans | 0.0580% | 4,058 |
| Net loans and leases to total assets | 85.7767% | 106 |
| Net loans and leases to deposits | 108.1455% | 187 |
| Net loans and leases to core deposits | 342.6967% | 17 |
| Total domestic deposits to total assets | 79.3160% | 4,164 |
| Equity capital to assets | 9.8679% | 3,248 |
| Core capital (leverage) ratio | 10.0131% | 2,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2159% | 379 |
| Memoranda: | ||
| Average total assets | $1,562,162,600 | 596 |
| Average earning assets | $1,514,070,200 | 568 |
| Average equity | $177,595,800 | 570 |
| Average total loans | $1,360,810,400 | 494 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2034% | 4,585 |
| Cost of funding earning assets | 1.7706% | 35 |
| Net interest margin | 1.4328% | 4,968 |
| Noninterest income to average assets | 0.2306% | 4,113 |
| Noninterest expense to average assets | 0.9426% | 4,981 |
| Loan and lease loss provision to assets | 0.2737% | 1,471 |
| Net operating income to assets | 0.2868% | 4,465 |
| Return on assets (ROA) | 0.2928% | 4,504 |
| Pretax return on assets | 0.4041% | 4,426 |
| Return on Equity (ROE) | 2.4658% | 4,483 |
| Retained earnings to average equity (ytd only) | 2.4658% | 3,758 |
| Net charge-offs to loans | -0.0363% | 4,595 |
| Credit loss provision to net charge-offs | -861.7816% | 3,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4427% | 3,605 |
| Assets per employee ($millions) | 29.1728% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4834% | 4,824 |
| Loan loss allowance to noncurrent loans | 1,048.9247% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 4,258 |
| Noncurrent loans to loans | 0.0461% | 4,197 |
| Net loans and leases to total assets | 84.7210% | 223 |
| Net loans and leases to deposits | 107.0440% | 290 |
| Net loans and leases to core deposits | 389.2802% | 17 |
| Total domestic deposits to total assets | 79.1459% | 4,036 |
| Equity capital to assets | 9.2746% | 3,878 |
| Core capital (leverage) ratio | 9.6915% | 3,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9926% | 365 |
| Memoranda: | ||
| Average total assets | $1,460,842,000 | 614 |
| Average earning assets | $1,409,342,000 | 586 |
| Average equity | $173,458,500 | 574 |
| Average total loans | $1,276,978,500 | 510 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3127% | 4,634 |
| Cost of funding earning assets | 2.0194% | 21 |
| Net interest margin | 1.2933% | 5,026 |
| Noninterest income to average assets | 0.2627% | 3,897 |
| Noninterest expense to average assets | 0.9532% | 5,016 |
| Loan and lease loss provision to assets | 0.3563% | 1,183 |
| Net operating income to assets | 0.1433% | 4,638 |
| Return on assets (ROA) | 0.1333% | 4,682 |
| Pretax return on assets | 0.1772% | 4,656 |
| Return on Equity (ROE) | 1.0159% | 4,686 |
| Retained earnings to average equity (ytd only) | 1.0159% | 4,096 |
| Net charge-offs to loans | -0.0055% | 4,040 |
| Credit loss provision to net charge-offs | -7,325.0000% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5746% | 2,872 |
| Assets per employee ($millions) | 29.4163% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4427% | 4,884 |
| Loan loss allowance to noncurrent loans | 324.1935% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.1194% | 3,937 |
| Noncurrent loans to loans | 0.1365% | 3,912 |
| Net loans and leases to total assets | 87.0790% | 93 |
| Net loans and leases to deposits | 114.8799% | 146 |
| Net loans and leases to core deposits | 602.0338% | 12 |
| Total domestic deposits to total assets | 75.8001% | 4,447 |
| Equity capital to assets | 9.8321% | 3,341 |
| Core capital (leverage) ratio | 10.8671% | 2,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1633% | 330 |
| Memoranda: | ||
| Average total assets | $1,315,712,333 | 663 |
| Average earning assets | $1,258,206,667 | 642 |
| Average equity | $172,655,667 | 574 |
| Average total loans | $1,164,535,000 | 545 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4727% | 4,659 |
| Cost of funding earning assets | 2.1962% | 12 |
| Net interest margin | 1.2764% | 5,092 |
| Noninterest income to average assets | 0.3376% | 3,494 |
| Noninterest expense to average assets | 1.3150% | 4,998 |
| Loan and lease loss provision to assets | 0.6071% | 453 |
| Net operating income to assets | -0.2802% | 4,880 |
| Return on assets (ROA) | -0.2959% | 4,859 |
| Pretax return on assets | -0.3959% | 4,862 |
| Return on Equity (ROE) | -1.8744% | 4,832 |
| Retained earnings to average equity (ytd only) | -1.8744% | 4,233 |
| Net charge-offs to loans | -0.0070% | 3,953 |
| Credit loss provision to net charge-offs | -9,741.1765% | 3,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0605% | 763 |
| Assets per employee ($millions) | 20.2571% | 61 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6028% | 4,752 |
| Loan loss allowance to noncurrent loans | 290.8444% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.1858% | 3,749 |
| Noncurrent loans to loans | 0.2072% | 3,736 |
| Net loans and leases to total assets | 89.1253% | 49 |
| Net loans and leases to deposits | 125.5174% | 58 |
| Net loans and leases to core deposits | 447.7177% | 11 |
| Total domestic deposits to total assets | 71.0063% | 4,813 |
| Equity capital to assets | 15.1471% | 731 |
| Core capital (leverage) ratio | 15.2560% | 634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3997% | 297 |
| Memoranda: | ||
| Average total assets | $1,091,079,000 | 764 |
| Average earning assets | $1,032,870,000 | 740 |
| Average equity | $172,216,000 | 570 |
| Average total loans | $974,922,500 | 614 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4444% | 4,890 |
| Cost of funding earning assets | 2.2452% | 19 |
| Net interest margin | 1.1992% | 5,147 |
| Noninterest income to average assets | 0.3711% | 3,480 |
| Noninterest expense to average assets | 1.2404% | 5,083 |
| Loan and lease loss provision to assets | 0.0871% | 2,277 |
| Net operating income to assets | 0.1452% | 4,893 |
| Return on assets (ROA) | 0.1378% | 4,919 |
| Pretax return on assets | 0.1868% | 4,894 |
| Return on Equity (ROE) | 0.8205% | 4,938 |
| Retained earnings to average equity (ytd only) | -0.4420% | 4,760 |
| Net charge-offs to loans | -0.0074% | 4,400 |
| Credit loss provision to net charge-offs | -1,423.8095% | 4,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4128% | 837 |
| Assets per employee ($millions) | 20.5443% | 56 |
| Cash dividends to net income (ytd only)* | 153.8732% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4780% | 4,912 |
| Loan loss allowance to noncurrent loans | 326.8328% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.1302% | 3,988 |
| Noncurrent loans to loans | 0.1462% | 3,941 |
| Net loans and leases to total assets | 88.5910% | 73 |
| Net loans and leases to deposits | 113.4770% | 133 |
| Net loans and leases to core deposits | 398.7525% | 16 |
| Total domestic deposits to total assets | 78.0696% | 4,347 |
| Equity capital to assets | 16.4735% | 531 |
| Core capital (leverage) ratio | 16.3855% | 475 |
| Tier 1 risk-based capital ratio | 31.8311% | 423 |
| Total risk-based capital ratio | 32.6536% | 427 |
| Memoranda: | ||
| Average total assets | $1,030,392,200 | 761 |
| Average earning assets | $990,231,400 | 732 |
| Average equity | $173,057,400 | 534 |
| Average total loans | $849,410,400 | 681 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4316% | 5,002 |
| Cost of funding earning assets | 2.1871% | 28 |
| Net interest margin | 1.2445% | 5,233 |
| Noninterest income to average assets | 0.3507% | 3,628 |
| Noninterest expense to average assets | 1.2943% | 5,148 |
| Loan and lease loss provision to assets | 0.0908% | 2,088 |
| Net operating income to assets | 0.1270% | 4,996 |
| Return on assets (ROA) | 0.1155% | 5,023 |
| Pretax return on assets | 0.1566% | 5,011 |
| Return on Equity (ROE) | 0.6845% | 5,037 |
| Retained earnings to average equity (ytd only) | -0.9978% | 4,858 |
| Net charge-offs to loans | -0.0077% | 4,316 |
| Credit loss provision to net charge-offs | -1,456.2500% | 4,486 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1663% | 677 |
| Assets per employee ($millions) | 19.4546% | 62 |
| Cash dividends to net income (ytd only)* | 245.7825% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4773% | 4,999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 87.4718% | 117 |
| Net loans and leases to deposits | 106.3896% | 304 |
| Net loans and leases to core deposits | 401.4608% | 14 |
| Total domestic deposits to total assets | 82.2184% | 3,408 |
| Equity capital to assets | 17.0105% | 483 |
| Core capital (leverage) ratio | 16.8067% | 462 |
| Tier 1 risk-based capital ratio | 34.4556% | 358 |
| Total risk-based capital ratio | 35.3058% | 367 |
| Memoranda: | ||
| Average total assets | $1,026,050,500 | 765 |
| Average earning assets | $993,877,000 | 732 |
| Average equity | $173,171,000 | 535 |
| Average total loans | $828,593,500 | 696 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4256% | 5,065 |
| Cost of funding earning assets | 2.1503% | 29 |
| Net interest margin | 1.2753% | 5,281 |
| Noninterest income to average assets | 0.3362% | 3,682 |
| Noninterest expense to average assets | 1.3583% | 5,183 |
| Loan and lease loss provision to assets | 0.0388% | 3,040 |
| Net operating income to assets | 0.1317% | 5,038 |
| Return on assets (ROA) | 0.1183% | 5,058 |
| Pretax return on assets | 0.1595% | 5,044 |
| Return on Equity (ROE) | 0.7030% | 5,073 |
| Retained earnings to average equity (ytd only) | 0.7030% | 4,509 |
| Net charge-offs to loans | -0.0079% | 4,252 |
| Credit loss provision to net charge-offs | -625.0000% | 4,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3255% | 530 |
| Assets per employee ($millions) | 21.0809% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4525% | 5,066 |
| Loan loss allowance to noncurrent loans | 3,925.2632% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 4,757 |
| Noncurrent loans to loans | 0.0115% | 4,667 |
| Net loans and leases to total assets | 79.4153% | 981 |
| Net loans and leases to deposits | 96.3991% | 996 |
| Net loans and leases to core deposits | 394.2790% | 14 |
| Total domestic deposits to total assets | 82.3818% | 3,412 |
| Equity capital to assets | 16.8441% | 489 |
| Core capital (leverage) ratio | 17.0232% | 431 |
| Tier 1 risk-based capital ratio | 38.3568% | 265 |
| Total risk-based capital ratio | 39.1792% | 268 |
| Memoranda: | ||
| Average total assets | $1,030,854,000 | 761 |
| Average earning assets | $1,000,047,670 | 724 |
| Average equity | $173,533,000 | 531 |
| Average total loans | $808,410,000 | 710 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4371% | 5,093 |
| Cost of funding earning assets | 2.1567% | 24 |
| Net interest margin | 1.2804% | 5,347 |
| Noninterest income to average assets | 0.2750% | 4,042 |
| Noninterest expense to average assets | 1.5098% | 5,166 |
| Loan and lease loss provision to assets | 0.0377% | 2,871 |
| Net operating income to assets | -0.0210% | 5,153 |
| Return on assets (ROA) | -0.0210% | 5,157 |
| Pretax return on assets | -0.0307% | 5,154 |
| Return on Equity (ROE) | -0.1246% | 5,156 |
| Retained earnings to average equity (ytd only) | -0.1246% | 4,546 |
| Net charge-offs to loans | -0.0055% | 4,049 |
| Credit loss provision to net charge-offs | -881.8182% | 3,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5391% | 182 |
| Assets per employee ($millions) | 21.0350% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4460% | 5,131 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 78.0851% | 1,129 |
| Net loans and leases to deposits | 94.6969% | 1,089 |
| Net loans and leases to core deposits | 394.8550% | 16 |
| Total domestic deposits to total assets | 82.4579% | 3,598 |
| Equity capital to assets | 16.8254% | 468 |
| Core capital (leverage) ratio | 16.8747% | 435 |
| Tier 1 risk-based capital ratio | 38.3727% | 252 |
| Total risk-based capital ratio | 39.1708% | 255 |
| Memoranda: | ||
| Average total assets | $1,029,776,500 | 764 |
| Average earning assets | $998,755,500 | 728 |
| Average equity | $173,387,500 | 527 |
| Average total loans | $800,584,000 | 719 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1908% | 5,154 |
| Cost of funding earning assets | 1.8062% | 27 |
| Net interest margin | 1.3846% | 5,377 |
| Noninterest income to average assets | 0.3348% | 3,875 |
| Noninterest expense to average assets | 1.2123% | 5,320 |
| Loan and lease loss provision to assets | 0.0683% | 2,777 |
| Net operating income to assets | 0.2713% | 5,039 |
| Return on assets (ROA) | 0.2713% | 5,039 |
| Pretax return on assets | 0.3798% | 4,955 |
| Return on Equity (ROE) | 1.4975% | 5,109 |
| Retained earnings to average equity (ytd only) | 0.7186% | 4,794 |
| Net charge-offs to loans | -0.0563% | 5,010 |
| Credit loss provision to net charge-offs | -156.8675% | 4,444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0145% | 1,759 |
| Assets per employee ($millions) | 20.1733% | 49 |
| Cash dividends to net income (ytd only)* | 52.0108% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4411% | 5,184 |
| Loan loss allowance to noncurrent loans | 465.0266% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.0731% | 4,455 |
| Noncurrent loans to loans | 0.0949% | 4,320 |
| Net loans and leases to total assets | 76.7109% | 1,485 |
| Net loans and leases to deposits | 93.0497% | 1,394 |
| Net loans and leases to core deposits | 395.5911% | 15 |
| Total domestic deposits to total assets | 82.4407% | 3,507 |
| Equity capital to assets | 16.8494% | 427 |
| Core capital (leverage) ratio | 17.7748% | 353 |
| Tier 1 risk-based capital ratio | 39.0233% | 245 |
| Total risk-based capital ratio | 39.8103% | 248 |
| Memoranda: | ||
| Average total assets | $953,209,200 | 801 |
| Average earning assets | $912,593,200 | 775 |
| Average equity | $172,687,800 | 506 |
| Average total loans | $736,501,600 | 747 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1578% | 5,219 |
| Cost of funding earning assets | 1.7291% | 23 |
| Net interest margin | 1.4287% | 5,454 |
| Noninterest income to average assets | 0.3560% | 3,750 |
| Noninterest expense to average assets | 1.2558% | 5,384 |
| Loan and lease loss provision to assets | 0.0949% | 2,077 |
| Net operating income to assets | 0.2621% | 5,138 |
| Return on assets (ROA) | 0.2621% | 5,132 |
| Pretax return on assets | 0.3680% | 5,065 |
| Return on Equity (ROE) | 1.4197% | 5,192 |
| Retained earnings to average equity (ytd only) | 0.3802% | 4,972 |
| Net charge-offs to loans | -0.0563% | 4,978 |
| Credit loss provision to net charge-offs | -218.0328% | 4,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0654% | 1,723 |
| Assets per employee ($millions) | 19.5066% | 53 |
| Cash dividends to net income (ytd only)* | 73.2173% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4465% | 5,247 |
| Loan loss allowance to noncurrent loans | 450.5960% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.0790% | 4,576 |
| Noncurrent loans to loans | 0.0991% | 4,447 |
| Net loans and leases to total assets | 79.3577% | 1,115 |
| Net loans and leases to deposits | 97.7099% | 971 |
| Net loans and leases to core deposits | 392.5772% | 16 |
| Total domestic deposits to total assets | 81.2176% | 3,812 |
| Equity capital to assets | 18.0476% | 330 |
| Core capital (leverage) ratio | 18.2233% | 310 |
| Tier 1 risk-based capital ratio | 40.1625% | 232 |
| Total risk-based capital ratio | 40.9540% | 236 |
| Memoranda: | ||
| Average total assets | $934,301,500 | 812 |
| Average earning assets | $891,155,750 | 785 |
| Average equity | $172,521,500 | 501 |
| Average total loans | $722,444,750 | 757 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0914% | 5,291 |
| Cost of funding earning assets | 1.6370% | 27 |
| Net interest margin | 1.4544% | 5,517 |
| Noninterest income to average assets | 0.3464% | 3,856 |
| Noninterest expense to average assets | 1.3008% | 5,432 |
| Loan and lease loss provision to assets | 0.0337% | 3,245 |
| Net operating income to assets | 0.2802% | 5,146 |
| Return on assets (ROA) | 0.2802% | 5,140 |
| Pretax return on assets | 0.3984% | 5,045 |
| Return on Equity (ROE) | 1.5058% | 5,223 |
| Retained earnings to average equity (ytd only) | 1.5058% | 4,639 |
| Net charge-offs to loans | -0.0623% | 4,992 |
| Credit loss provision to net charge-offs | -70.5882% | 4,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0654% | 1,551 |
| Assets per employee ($millions) | 19.5850% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3826% | 5,374 |
| Loan loss allowance to noncurrent loans | 370.0922% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.0825% | 4,595 |
| Noncurrent loans to loans | 0.1034% | 4,451 |
| Net loans and leases to total assets | 79.4633% | 1,099 |
| Net loans and leases to deposits | 98.7311% | 906 |
| Net loans and leases to core deposits | 388.8696% | 16 |
| Total domestic deposits to total assets | 80.4846% | 4,142 |
| Equity capital to assets | 18.8286% | 275 |
| Core capital (leverage) ratio | 18.8195% | 277 |
| Tier 1 risk-based capital ratio | 42.1245% | 205 |
| Total risk-based capital ratio | 42.8068% | 208 |
| Memoranda: | ||
| Average total assets | $927,128,000 | 819 |
| Average earning assets | $883,801,330 | 797 |
| Average equity | $172,527,670 | 499 |
| Average total loans | $709,286,330 | 770 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0062% | 5,368 |
| Cost of funding earning assets | 1.6164% | 21 |
| Net interest margin | 1.3898% | 5,587 |
| Noninterest income to average assets | 0.3121% | 4,071 |
| Noninterest expense to average assets | 1.4664% | 5,421 |
| Loan and lease loss provision to assets | 0.0426% | 2,908 |
| Net operating income to assets | 0.0761% | 5,342 |
| Return on assets (ROA) | 0.0761% | 5,338 |
| Pretax return on assets | 0.1324% | 5,319 |
| Return on Equity (ROE) | 0.4113% | 5,354 |
| Retained earnings to average equity (ytd only) | 0.4113% | 4,740 |
| Net charge-offs to loans | -0.0706% | 5,112 |
| Credit loss provision to net charge-offs | -80.4878% | 3,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3400% | 475 |
| Assets per employee ($millions) | 19.6397% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3720% | 5,450 |
| Loan loss allowance to noncurrent loans | 345.5729% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 4,671 |
| Noncurrent loans to loans | 0.1076% | 4,494 |
| Net loans and leases to total assets | 77.0110% | 1,389 |
| Net loans and leases to deposits | 95.6124% | 1,074 |
| Net loans and leases to core deposits | 340.5658% | 20 |
| Total domestic deposits to total assets | 80.5450% | 4,305 |
| Equity capital to assets | 18.6497% | 272 |
| Core capital (leverage) ratio | 18.5853% | 278 |
| Tier 1 risk-based capital ratio | 42.7704% | 199 |
| Total risk-based capital ratio | 43.4288% | 201 |
| Memoranda: | ||
| Average total assets | $930,444,500 | 821 |
| Average earning assets | $889,881,000 | 790 |
| Average equity | $172,133,500 | 504 |
| Average total loans | $696,797,000 | 786 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8461% | 5,440 |
| Cost of funding earning assets | 1.6752% | 9 |
| Net interest margin | 1.1709% | 5,639 |
| Noninterest income to average assets | 0.3079% | 4,255 |
| Noninterest expense to average assets | 1.3058% | 5,558 |
| Loan and lease loss provision to assets | -0.2135% | 5,585 |
| Net operating income to assets | 0.2129% | 5,088 |
| Return on assets (ROA) | 0.2064% | 5,113 |
| Pretax return on assets | 0.3204% | 5,189 |
| Return on Equity (ROE) | 1.1228% | 5,220 |
| Retained earnings to average equity (ytd only) | 0.0482% | 4,990 |
| Net charge-offs to loans | -0.2013% | 5,523 |
| Credit loss provision to net charge-offs | 152.3991% | 1,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7810% | 354 |
| Assets per employee ($millions) | 19.9537% | 50 |
| Cash dividends to net income (ytd only)* | 95.7106% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3575% | 5,522 |
| Loan loss allowance to noncurrent loans | 154.4473% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.1678% | 4,298 |
| Noncurrent loans to loans | 0.2314% | 3,977 |
| Net loans and leases to total assets | 72.2574% | 2,190 |
| Net loans and leases to deposits | 89.3393% | 1,850 |
| Net loans and leases to core deposits | 295.9269% | 25 |
| Total domestic deposits to total assets | 80.8797% | 4,146 |
| Equity capital to assets | 18.3529% | 290 |
| Core capital (leverage) ratio | 17.7788% | 315 |
| Tier 1 risk-based capital ratio | 44.9024% | 158 |
| Total risk-based capital ratio | 45.5361% | 161 |
| Memoranda: | ||
| Average total assets | $937,313,400 | 793 |
| Average earning assets | $892,365,000 | 759 |
| Average equity | $172,334,600 | 487 |
| Average total loans | $652,326,600 | 805 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8268% | 5,511 |
| Cost of funding earning assets | 1.6877% | 9 |
| Net interest margin | 1.1390% | 5,713 |
| Noninterest income to average assets | 0.3046% | 4,353 |
| Noninterest expense to average assets | 1.3633% | 5,587 |
| Loan and lease loss provision to assets | -0.2551% | 5,678 |
| Net operating income to assets | 0.1797% | 5,371 |
| Return on assets (ROA) | 0.1711% | 5,390 |
| Pretax return on assets | 0.2670% | 5,329 |
| Return on Equity (ROE) | 0.9304% | 5,440 |
| Retained earnings to average equity (ytd only) | -0.5020% | 5,293 |
| Net charge-offs to loans | -0.2250% | 5,568 |
| Credit loss provision to net charge-offs | 164.6465% | 1,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1764% | 200 |
| Assets per employee ($millions) | 18.9848% | 51 |
| Cash dividends to net income (ytd only)* | 153.9484% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3658% | 5,584 |
| Loan loss allowance to noncurrent loans | 134.7656% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 4,164 |
| Noncurrent loans to loans | 0.2714% | 3,985 |
| Net loans and leases to total assets | 70.7094% | 2,458 |
| Net loans and leases to deposits | 87.5566% | 2,123 |
| Net loans and leases to core deposits | 275.7489% | 30 |
| Total domestic deposits to total assets | 80.7585% | 4,119 |
| Equity capital to assets | 18.4348% | 300 |
| Core capital (leverage) ratio | 17.8981% | 307 |
| Tier 1 risk-based capital ratio | 46.0236% | 155 |
| Total risk-based capital ratio | 46.6741% | 158 |
| Memoranda: | ||
| Average total assets | $937,186,250 | 797 |
| Average earning assets | $891,975,250 | 762 |
| Average equity | $172,388,750 | 490 |
| Average total loans | $645,389,000 | 817 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7983% | 5,558 |
| Cost of funding earning assets | 1.6229% | 9 |
| Net interest margin | 1.1754% | 5,761 |
| Noninterest income to average assets | 0.2923% | 4,462 |
| Noninterest expense to average assets | 1.3869% | 5,631 |
| Loan and lease loss provision to assets | -0.3312% | 5,736 |
| Net operating income to assets | 0.2255% | 5,360 |
| Return on assets (ROA) | 0.2127% | 5,393 |
| Pretax return on assets | 0.3319% | 5,296 |
| Return on Equity (ROE) | 1.1570% | 5,450 |
| Retained earnings to average equity (ytd only) | 1.1570% | 4,777 |
| Net charge-offs to loans | -0.3444% | 5,657 |
| Credit loss provision to net charge-offs | 141.0698% | 1,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5330% | 208 |
| Assets per employee ($millions) | 19.2916% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4123% | 5,600 |
| Loan loss allowance to noncurrent loans | 128.9168% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.2448% | 4,153 |
| Noncurrent loans to loans | 0.3198% | 3,885 |
| Net loans and leases to total assets | 66.7545% | 2,996 |
| Net loans and leases to deposits | 82.0533% | 2,697 |
| Net loans and leases to core deposits | 266.4671% | 29 |
| Total domestic deposits to total assets | 81.3551% | 4,091 |
| Equity capital to assets | 17.9461% | 328 |
| Core capital (leverage) ratio | 18.1723% | 294 |
| Tier 1 risk-based capital ratio | 46.7328% | 150 |
| Total risk-based capital ratio | 47.4545% | 153 |
| Memoranda: | ||
| Average total assets | $939,497,000 | 801 |
| Average earning assets | $891,471,670 | 768 |
| Average equity | $172,688,330 | 488 |
| Average total loans | $640,454,670 | 823 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7827% | 5,608 |
| Cost of funding earning assets | 1.6176% | 9 |
| Net interest margin | 1.1650% | 5,826 |
| Noninterest income to average assets | 0.3241% | 4,224 |
| Noninterest expense to average assets | 1.4482% | 5,664 |
| Loan and lease loss provision to assets | -0.5519% | 5,835 |
| Net operating income to assets | 0.3513% | 5,071 |
| Return on assets (ROA) | 0.3245% | 5,162 |
| Pretax return on assets | 0.4924% | 4,984 |
| Return on Equity (ROE) | 1.7440% | 5,379 |
| Retained earnings to average equity (ytd only) | 1.7440% | 4,415 |
| Net charge-offs to loans | -0.6489% | 5,759 |
| Credit loss provision to net charge-offs | 123.6944% | 1,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3285% | 207 |
| Assets per employee ($millions) | 18.2720% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4476% | 5,646 |
| Loan loss allowance to noncurrent loans | 137.5778% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 4,186 |
| Noncurrent loans to loans | 0.3254% | 3,958 |
| Net loans and leases to total assets | 68.5924% | 2,589 |
| Net loans and leases to deposits | 85.0507% | 2,156 |
| Net loans and leases to core deposits | 270.5564% | 28 |
| Total domestic deposits to total assets | 80.6489% | 4,492 |
| Equity capital to assets | 18.5492% | 274 |
| Core capital (leverage) ratio | 18.4439% | 263 |
| Tier 1 risk-based capital ratio | 48.1092% | 145 |
| Total risk-based capital ratio | 48.9089% | 149 |
| Memoranda: | ||
| Average total assets | $926,941,500 | 810 |
| Average earning assets | $879,304,500 | 782 |
| Average equity | $172,473,500 | 484 |
| Average total loans | $637,399,500 | 826 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6698% | 5,701 |
| Cost of funding earning assets | 1.6389% | 9 |
| Net interest margin | 1.0309% | 5,877 |
| Noninterest income to average assets | -0.0983% | 5,890 |
| Noninterest expense to average assets | 1.3458% | 5,797 |
| Loan and lease loss provision to assets | -0.2321% | 5,800 |
| Net operating income to assets | -0.1544% | 5,701 |
| Return on assets (ROA) | -0.1623% | 5,715 |
| Pretax return on assets | -0.2441% | 5,725 |
| Return on Equity (ROE) | -0.8511% | 5,696 |
| Retained earnings to average equity (ytd only) | -0.8511% | 5,426 |
| Net charge-offs to loans | -0.1923% | 5,731 |
| Credit loss provision to net charge-offs | 177.6930% | 1,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 152.6964% | 31 |
| Assets per employee ($millions) | 18.8165% | 52 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4929% | 5,666 |
| Loan loss allowance to noncurrent loans | 150.5309% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.2565% | 4,277 |
| Noncurrent loans to loans | 0.3275% | 3,968 |
| Net loans and leases to total assets | 68.2869% | 2,728 |
| Net loans and leases to deposits | 84.8071% | 2,332 |
| Net loans and leases to core deposits | 253.4309% | 30 |
| Total domestic deposits to total assets | 80.5203% | 4,448 |
| Equity capital to assets | 18.6649% | 263 |
| Core capital (leverage) ratio | 19.1303% | 223 |
| Tier 1 risk-based capital ratio | 49.8225% | 136 |
| Total risk-based capital ratio | 50.7255% | 137 |
| Memoranda: | ||
| Average total assets | $902,571,800 | 799 |
| Average earning assets | $857,709,200 | 763 |
| Average equity | $172,139,200 | 475 |
| Average total loans | $612,991,000 | 814 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6842% | 5,766 |
| Cost of funding earning assets | 1.6641% | 7 |
| Net interest margin | 1.0201% | 5,946 |
| Noninterest income to average assets | -0.2427% | 5,968 |
| Noninterest expense to average assets | 1.3777% | 5,832 |
| Loan and lease loss provision to assets | -0.2910% | 5,902 |
| Net operating income to assets | -0.2339% | 5,805 |
| Return on assets (ROA) | -0.2442% | 5,819 |
| Pretax return on assets | -0.3775% | 5,835 |
| Return on Equity (ROE) | -1.2733% | 5,794 |
| Retained earnings to average equity (ytd only) | -1.2733% | 5,524 |
| Net charge-offs to loans | -0.2289% | 5,793 |
| Credit loss provision to net charge-offs | 187.6437% | 1,498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 190.0430% | 15 |
| Assets per employee ($millions) | 18.6429% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5091% | 5,722 |
| Loan loss allowance to noncurrent loans | 149.2109% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.2780% | 4,313 |
| Noncurrent loans to loans | 0.3412% | 4,033 |
| Net loans and leases to total assets | 71.0976% | 2,334 |
| Net loans and leases to deposits | 89.9297% | 1,764 |
| Net loans and leases to core deposits | 273.8520% | 32 |
| Total domestic deposits to total assets | 79.0591% | 4,707 |
| Equity capital to assets | 20.0757% | 226 |
| Core capital (leverage) ratio | 19.1300% | 225 |
| Tier 1 risk-based capital ratio | 51.2482% | 127 |
| Total risk-based capital ratio | 52.1788% | 127 |
| Memoranda: | ||
| Average total assets | $897,712,500 | 804 |
| Average earning assets | $851,530,000 | 770 |
| Average equity | $172,151,000 | 477 |
| Average total loans | $608,056,250 | 816 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6613% | 5,853 |
| Cost of funding earning assets | 1.6674% | 7 |
| Net interest margin | 0.9939% | 6,028 |
| Noninterest income to average assets | -0.5409% | 6,051 |
| Noninterest expense to average assets | 1.3939% | 5,901 |
| Loan and lease loss provision to assets | -0.1998% | 5,936 |
| Net operating income to assets | -0.5082% | 5,926 |
| Return on assets (ROA) | -0.5231% | 5,930 |
| Pretax return on assets | -0.8164% | 5,961 |
| Return on Equity (ROE) | -2.7686% | 5,891 |
| Retained earnings to average equity (ytd only) | -2.7686% | 5,607 |
| Net charge-offs to loans | -0.1121% | 5,661 |
| Credit loss provision to net charge-offs | 267.6471% | 1,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 347.5643% | 6 |
| Assets per employee ($millions) | 19.0480% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5694% | 5,718 |
| Loan loss allowance to noncurrent loans | 164.1402% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.2685% | 4,421 |
| Noncurrent loans to loans | 0.3469% | 4,131 |
| Net loans and leases to total assets | 67.5802% | 2,844 |
| Net loans and leases to deposits | 84.4304% | 2,414 |
| Net loans and leases to core deposits | 239.1476% | 35 |
| Total domestic deposits to total assets | 80.0425% | 4,530 |
| Equity capital to assets | 19.1625% | 251 |
| Core capital (leverage) ratio | 19.0170% | 232 |
| Tier 1 risk-based capital ratio | 50.3699% | 128 |
| Total risk-based capital ratio | 51.3918% | 131 |
| Memoranda: | ||
| Average total assets | $911,091,670 | 791 |
| Average earning assets | $863,488,000 | 763 |
| Average equity | $172,146,670 | 477 |
| Average total loans | $606,463,330 | 815 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6658% | 5,918 |
| Cost of funding earning assets | 1.7664% | 5 |
| Net interest margin | 0.8994% | 6,100 |
| Noninterest income to average assets | -1.2492% | 6,119 |
| Noninterest expense to average assets | 1.5290% | 5,884 |
| Loan and lease loss provision to assets | -0.2324% | 6,031 |
| Net operating income to assets | -1.0812% | 6,036 |
| Return on assets (ROA) | -1.0812% | 6,037 |
| Pretax return on assets | -1.6888% | 6,065 |
| Return on Equity (ROE) | -5.7619% | 5,983 |
| Retained earnings to average equity (ytd only) | -5.7619% | 5,643 |
| Net charge-offs to loans | -0.1942% | 5,842 |
| Credit loss provision to net charge-offs | 181.6327% | 1,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -389.9001% | 6,120 |
| Assets per employee ($millions) | 18.0275% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6250% | 5,710 |
| Loan loss allowance to noncurrent loans | 117.3832% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 3,997 |
| Noncurrent loans to loans | 0.5325% | 3,592 |
| Net loans and leases to total assets | 68.3055% | 2,609 |
| Net loans and leases to deposits | 85.6545% | 2,095 |
| Net loans and leases to core deposits | 223.3688% | 36 |
| Total domestic deposits to total assets | 79.7454% | 4,803 |
| Equity capital to assets | 19.3830% | 241 |
| Core capital (leverage) ratio | 18.0526% | 291 |
| Tier 1 risk-based capital ratio | 50.7056% | 126 |
| Total risk-based capital ratio | 51.8309% | 127 |
| Memoranda: | ||
| Average total assets | $919,008,500 | 789 |
| Average earning assets | $875,696,500 | 757 |
| Average equity | $172,443,000 | 475 |
| Average total loans | $605,454,000 | 817 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6485% | 1,218 |
| Cost of funding earning assets | 1.6296% | 12 |
| Net interest margin | 3.0189% | 5,091 |
| Noninterest income to average assets | 4.3732% | 145 |
| Noninterest expense to average assets | 1.6822% | 5,860 |
| Loan and lease loss provision to assets | 0.3853% | 367 |
| Net operating income to assets | 3.2201% | 79 |
| Return on assets (ROA) | 3.2201% | 79 |
| Pretax return on assets | 5.1831% | 51 |
| Return on Equity (ROE) | 17.8455% | 392 |
| Retained earnings to average equity (ytd only) | 5.3383% | 2,181 |
| Net charge-offs to loans | 2.2551% | 55 |
| Credit loss provision to net charge-offs | 19.7530% | 3,751 |
| Earnings coverage of net charge-offs (x) | 2.8549% | 3,813 |
| Efficiency ratio | 23.2007% | 6,158 |
| Assets per employee ($millions) | 20.7537% | 46 |
| Cash dividends to net income (ytd only)* | 70.0862% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6685% | 5,696 |
| Loan loss allowance to noncurrent loans | 124.2611% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.3709% | 4,113 |
| Noncurrent loans to loans | 0.5380% | 3,549 |
| Net loans and leases to total assets | 62.8177% | 3,445 |
| Net loans and leases to deposits | 78.2379% | 3,030 |
| Net loans and leases to core deposits | 214.2849% | 38 |
| Total domestic deposits to total assets | 80.2907% | 4,668 |
| Equity capital to assets | 18.1913% | 303 |
| Core capital (leverage) ratio | 17.3114% | 334 |
| Tier 1 risk-based capital ratio | 50.7278% | 123 |
| Total risk-based capital ratio | 51.9076% | 121 |
| Memoranda: | ||
| Average total assets | $929,979,200 | 742 |
| Average earning assets | $886,392,000 | 716 |
| Average equity | $167,806,600 | 473 |
| Average total loans | $804,369,200 | 582 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2501% | 406 |
| Cost of funding earning assets | 1.5624% | 15 |
| Net interest margin | 3.6877% | 2,818 |
| Noninterest income to average assets | 1.8412% | 403 |
| Noninterest expense to average assets | 1.5753% | 5,992 |
| Loan and lease loss provision to assets | 0.5454% | 177 |
| Net operating income to assets | 2.0064% | 362 |
| Return on assets (ROA) | 2.0064% | 377 |
| Pretax return on assets | 3.2397% | 103 |
| Return on Equity (ROE) | 11.1431% | 1,646 |
| Retained earnings to average equity (ytd only) | -5.6797% | 6,045 |
| Net charge-offs to loans | 2.8530% | 37 |
| Credit loss provision to net charge-offs | 20.6672% | 3,359 |
| Earnings coverage of net charge-offs (x) | 1.4343% | 3,836 |
| Efficiency ratio | 29.3880% | 6,224 |
| Assets per employee ($millions) | 19.7637% | 50 |
| Cash dividends to net income (ytd only)* | 150.9711% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4903% | 6,028 |
| Loan loss allowance to noncurrent loans | 66.4931% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 0.7081% | 3,135 |
| Noncurrent loans to loans | 0.7373% | 3,120 |
| Net loans and leases to total assets | 91.2223% | 38 |
| Net loans and leases to deposits | 111.8767% | 216 |
| Net loans and leases to core deposits | 317.3388% | 28 |
| Total domestic deposits to total assets | 81.5382% | 4,308 |
| Equity capital to assets | 17.3415% | 400 |
| Core capital (leverage) ratio | 16.6887% | 406 |
| Tier 1 risk-based capital ratio | 27.7578% | 636 |
| Total risk-based capital ratio | 28.5070% | 653 |
| Memoranda: | ||
| Average total assets | $923,806,500 | 754 |
| Average earning assets | $881,609,250 | 724 |
| Average equity | $166,341,500 | 483 |
| Average total loans | $854,527,000 | 554 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1834% | 437 |
| Cost of funding earning assets | 1.5351% | 14 |
| Net interest margin | 3.6483% | 2,911 |
| Noninterest income to average assets | 1.8643% | 409 |
| Noninterest expense to average assets | 1.5811% | 6,062 |
| Loan and lease loss provision to assets | 0.6480% | 135 |
| Net operating income to assets | 1.9238% | 420 |
| Return on assets (ROA) | 1.9238% | 439 |
| Pretax return on assets | 3.1119% | 124 |
| Return on Equity (ROE) | 10.5568% | 1,829 |
| Retained earnings to average equity (ytd only) | 10.5568% | 570 |
| Net charge-offs to loans | 1.5653% | 110 |
| Credit loss provision to net charge-offs | 44.6241% | 2,762 |
| Earnings coverage of net charge-offs (x) | 2.5892% | 3,318 |
| Efficiency ratio | 29.6036% | 6,301 |
| Assets per employee ($millions) | 19.3687% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7289% | 1,544 |
| Loan loss allowance to noncurrent loans | 247.4105% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.6774% | 3,368 |
| Noncurrent loans to loans | 0.6988% | 3,393 |
| Net loans and leases to total assets | 90.8322% | 45 |
| Net loans and leases to deposits | 114.2163% | 174 |
| Net loans and leases to core deposits | 322.2112% | 28 |
| Total domestic deposits to total assets | 79.5264% | 4,971 |
| Equity capital to assets | 18.6797% | 282 |
| Core capital (leverage) ratio | 18.4770% | 265 |
| Tier 1 risk-based capital ratio | 29.4624% | 571 |
| Total risk-based capital ratio | 30.7283% | 564 |
| Memoranda: | ||
| Average total assets | $928,698,330 | 753 |
| Average earning assets | $885,015,000 | 723 |
| Average equity | $169,236,330 | 477 |
| Average total loans | $861,564,000 | 546 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2251% | 392 |
| Cost of funding earning assets | 1.4997% | 15 |
| Net interest margin | 3.7255% | 2,532 |
| Noninterest income to average assets | 1.8380% | 404 |
| Noninterest expense to average assets | 1.5936% | 6,118 |
| Loan and lease loss provision to assets | 0.5141% | 194 |
| Net operating income to assets | 1.9431% | 377 |
| Return on assets (ROA) | 1.9431% | 398 |
| Pretax return on assets | 3.2812% | 119 |
| Return on Equity (ROE) | 10.7986% | 1,692 |
| Retained earnings to average equity (ytd only) | 10.7986% | 752 |
| Net charge-offs to loans | 1.2060% | 178 |
| Credit loss provision to net charge-offs | 45.8670% | 2,137 |
| Earnings coverage of net charge-offs (x) | 3.3860% | 2,612 |
| Efficiency ratio | 29.5722% | 6,368 |
| Assets per employee ($millions) | 18.7291% | 54 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0025% | 1,073 |
| Loan loss allowance to noncurrent loans | 197.0528% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.9821% | 2,654 |
| Noncurrent loans to loans | 1.0162% | 2,733 |
| Net loans and leases to total assets | 91.6265% | 31 |
| Net loans and leases to deposits | 118.0176% | 112 |
| Net loans and leases to core deposits | 355.4822% | 26 |
| Total domestic deposits to total assets | 77.6380% | 5,511 |
| Equity capital to assets | 18.4470% | 295 |
| Core capital (leverage) ratio | 18.0007% | 285 |
| Tier 1 risk-based capital ratio | 28.5245% | 617 |
| Total risk-based capital ratio | 29.7951% | 606 |
| Memoranda: | ||
| Average total assets | $928,199,000 | 751 |
| Average earning assets | $884,723,500 | 721 |
| Average equity | $167,022,000 | 485 |
| Average total loans | $862,685,500 | 542 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1222% | 605 |
| Cost of funding earning assets | 1.4972% | 25 |
| Net interest margin | 3.6249% | 3,317 |
| Noninterest income to average assets | 2.5199% | 237 |
| Noninterest expense to average assets | 1.4009% | 6,353 |
| Loan and lease loss provision to assets | 0.8924% | 134 |
| Net operating income to assets | 2.3144% | 187 |
| Return on assets (ROA) | 2.3144% | 190 |
| Pretax return on assets | 3.6871% | 77 |
| Return on Equity (ROE) | 13.0301% | 1,131 |
| Retained earnings to average equity (ytd only) | 1.8125% | 4,901 |
| Net charge-offs to loans | 1.4744% | 168 |
| Credit loss provision to net charge-offs | 65.1607% | 3,181 |
| Earnings coverage of net charge-offs (x) | 3.3437% | 3,911 |
| Efficiency ratio | 23.4241% | 6,485 |
| Assets per employee ($millions) | 18.7735% | 54 |
| Cash dividends to net income (ytd only)* | 86.0902% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1435% | 892 |
| Loan loss allowance to noncurrent loans | 233.9668% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.8777% | 3,011 |
| Noncurrent loans to loans | 0.9162% | 3,025 |
| Net loans and leases to total assets | 90.4168% | 57 |
| Net loans and leases to deposits | 128.7433% | 49 |
| Net loans and leases to core deposits | 384.9253% | 22 |
| Total domestic deposits to total assets | 70.2303% | 6,187 |
| Equity capital to assets | 17.5515% | 356 |
| Core capital (leverage) ratio | 17.6607% | 313 |
| Tier 1 risk-based capital ratio | 27.2747% | 659 |
| Total risk-based capital ratio | 28.5479% | 640 |
| Memoranda: | ||
| Average total assets | $924,437,000 | 721 |
| Average earning assets | $882,495,200 | 695 |
| Average equity | $164,196,200 | 475 |
| Average total loans | $858,747,200 | 516 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1324% | 599 |
| Cost of funding earning assets | 1.5067% | 27 |
| Net interest margin | 3.6257% | 3,330 |
| Noninterest income to average assets | 1.8313% | 399 |
| Noninterest expense to average assets | 1.3569% | 6,434 |
| Loan and lease loss provision to assets | 0.8243% | 147 |
| Net operating income to assets | 1.9653% | 366 |
| Return on assets (ROA) | 1.9653% | 377 |
| Pretax return on assets | 3.1152% | 105 |
| Return on Equity (ROE) | 11.0316% | 1,778 |
| Retained earnings to average equity (ytd only) | -3.9375% | 6,203 |
| Net charge-offs to loans | 1.5996% | 144 |
| Credit loss provision to net charge-offs | 55.3955% | 3,024 |
| Earnings coverage of net charge-offs (x) | 2.6476% | 3,858 |
| Efficiency ratio | 25.6199% | 6,559 |
| Assets per employee ($millions) | 20.2883% | 47 |
| Cash dividends to net income (ytd only)* | 135.6933% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1547% | 1,014 |
| Loan loss allowance to noncurrent loans | 242.3872% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.8456% | 3,300 |
| Noncurrent loans to loans | 0.8889% | 3,348 |
| Net loans and leases to total assets | 89.6226% | 66 |
| Net loans and leases to deposits | 125.1120% | 64 |
| Net loans and leases to core deposits | 365.2898% | 25 |
| Total domestic deposits to total assets | 71.6339% | 6,194 |
| Equity capital to assets | 16.8135% | 450 |
| Core capital (leverage) ratio | 16.8215% | 392 |
| Tier 1 risk-based capital ratio | 26.5432% | 746 |
| Total risk-based capital ratio | 27.8167% | 725 |
| Memoranda: | ||
| Average total assets | $920,878,000 | 727 |
| Average earning assets | $880,110,250 | 697 |
| Average equity | $164,057,500 | 474 |
| Average total loans | $856,606,750 | 510 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1181% | 595 |
| Cost of funding earning assets | 1.5225% | 26 |
| Net interest margin | 3.5957% | 3,376 |
| Noninterest income to average assets | 1.7235% | 438 |
| Noninterest expense to average assets | 1.1831% | 6,556 |
| Loan and lease loss provision to assets | 0.8958% | 130 |
| Net operating income to assets | 1.9593% | 367 |
| Return on assets (ROA) | 1.9593% | 380 |
| Pretax return on assets | 3.0828% | 110 |
| Return on Equity (ROE) | 10.7920% | 1,808 |
| Retained earnings to average equity (ytd only) | 10.7920% | 567 |
| Net charge-offs to loans | 1.8369% | 127 |
| Credit loss provision to net charge-offs | 52.1529% | 2,767 |
| Earnings coverage of net charge-offs (x) | 2.3164% | 3,578 |
| Efficiency ratio | 22.9205% | 6,632 |
| Assets per employee ($millions) | 20.4133% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2508% | 955 |
| Loan loss allowance to noncurrent loans | 237.2764% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.9144% | 3,256 |
| Noncurrent loans to loans | 0.9486% | 3,350 |
| Net loans and leases to total assets | 90.9432% | 36 |
| Net loans and leases to deposits | 123.5794% | 63 |
| Net loans and leases to core deposits | 350.5320% | 26 |
| Total domestic deposits to total assets | 73.5908% | 6,145 |
| Equity capital to assets | 18.5899% | 289 |
| Core capital (leverage) ratio | 18.6312% | 268 |
| Tier 1 risk-based capital ratio | 29.0710% | 571 |
| Total risk-based capital ratio | 30.3466% | 560 |
| Memoranda: | ||
| Average total assets | $916,749,670 | 736 |
| Average earning assets | $876,606,000 | 696 |
| Average equity | $166,438,670 | 468 |
| Average total loans | $857,197,670 | 509 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1527% | 534 |
| Cost of funding earning assets | 1.5375% | 27 |
| Net interest margin | 3.6151% | 3,191 |
| Noninterest income to average assets | 1.5872% | 482 |
| Noninterest expense to average assets | 1.0548% | 6,668 |
| Loan and lease loss provision to assets | 0.5525% | 247 |
| Net operating income to assets | 2.2227% | 227 |
| Return on assets (ROA) | 2.2227% | 240 |
| Pretax return on assets | 3.4386% | 105 |
| Return on Equity (ROE) | 12.3914% | 1,315 |
| Retained earnings to average equity (ytd only) | 12.3914% | 560 |
| Net charge-offs to loans | 2.4052% | 96 |
| Credit loss provision to net charge-offs | 24.5060% | 2,454 |
| Earnings coverage of net charge-offs (x) | 1.7702% | 3,021 |
| Efficiency ratio | 20.9037% | 6,707 |
| Assets per employee ($millions) | 20.0632% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2677% | 1,079 |
| Loan loss allowance to noncurrent loans | 223.1488% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.9808% | 3,299 |
| Noncurrent loans to loans | 1.0162% | 3,388 |
| Net loans and leases to total assets | 91.2032% | 29 |
| Net loans and leases to deposits | 119.3787% | 79 |
| Net loans and leases to core deposits | 338.1521% | 27 |
| Total domestic deposits to total assets | 76.3982% | 6,041 |
| Equity capital to assets | 18.4791% | 294 |
| Core capital (leverage) ratio | 17.9270% | 309 |
| Tier 1 risk-based capital ratio | 28.6780% | 597 |
| Total risk-based capital ratio | 29.9537% | 580 |
| Memoranda: | ||
| Average total assets | $915,825,500 | 737 |
| Average earning assets | $876,208,500 | 703 |
| Average equity | $164,275,000 | 470 |
| Average total loans | $858,477,500 | 508 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4949% | 365 |
| Cost of funding earning assets | 1.4413% | 61 |
| Net interest margin | 4.0537% | 1,789 |
| Noninterest income to average assets | 2.0596% | 377 |
| Noninterest expense to average assets | 1.4141% | 6,623 |
| Loan and lease loss provision to assets | 0.8839% | 222 |
| Net operating income to assets | 2.2540% | 223 |
| Return on assets (ROA) | 2.2540% | 231 |
| Pretax return on assets | 3.6296% | 81 |
| Return on Equity (ROE) | 12.3245% | 1,321 |
| Retained earnings to average equity (ytd only) | 0.8808% | 5,440 |
| Net charge-offs to loans | 1.6688% | 265 |
| Credit loss provision to net charge-offs | 56.5571% | 3,660 |
| Earnings coverage of net charge-offs (x) | 2.8879% | 4,034 |
| Efficiency ratio | 23.8559% | 6,785 |
| Assets per employee ($millions) | 21.6001% | 45 |
| Cash dividends to net income (ytd only)* | 92.8533% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6306% | 709 |
| Loan loss allowance to noncurrent loans | 204.3803% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 1.2118% | 2,974 |
| Noncurrent loans to loans | 1.2871% | 2,984 |
| Net loans and leases to total assets | 91.6685% | 21 |
| Net loans and leases to deposits | 115.5685% | 101 |
| Net loans and leases to core deposits | 287.8156% | 32 |
| Total domestic deposits to total assets | 79.3197% | 5,599 |
| Equity capital to assets | 17.4108% | 368 |
| Core capital (leverage) ratio | 17.5694% | 325 |
| Tier 1 risk-based capital ratio | 26.5206% | 731 |
| Total risk-based capital ratio | 27.8018% | 707 |
| Memoranda: | ||
| Average total assets | $895,784,400 | 737 |
| Average earning assets | $854,734,600 | 699 |
| Average equity | $163,828,800 | 459 |
| Average total loans | $838,942,600 | 492 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5269% | 356 |
| Cost of funding earning assets | 1.4252% | 71 |
| Net interest margin | 4.1017% | 1,628 |
| Noninterest income to average assets | 2.0963% | 390 |
| Noninterest expense to average assets | 1.3345% | 6,728 |
| Loan and lease loss provision to assets | 0.7669% | 262 |
| Net operating income to assets | 2.4249% | 185 |
| Return on assets (ROA) | 2.4249% | 196 |
| Pretax return on assets | 3.9068% | 81 |
| Return on Equity (ROE) | 13.0947% | 1,215 |
| Retained earnings to average equity (ytd only) | -2.1140% | 6,279 |
| Net charge-offs to loans | 1.6262% | 266 |
| Credit loss provision to net charge-offs | 50.4247% | 3,486 |
| Earnings coverage of net charge-offs (x) | 3.0730% | 3,812 |
| Efficiency ratio | 22.2108% | 6,865 |
| Assets per employee ($millions) | 21.1581% | 51 |
| Cash dividends to net income (ytd only)* | 116.1442% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8286% | 658 |
| Loan loss allowance to noncurrent loans | 219.0008% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 1.2570% | 3,123 |
| Noncurrent loans to loans | 1.2916% | 3,246 |
| Net loans and leases to total assets | 90.8695% | 27 |
| Net loans and leases to deposits | 126.8396% | 44 |
| Net loans and leases to core deposits | 341.4133% | 28 |
| Total domestic deposits to total assets | 71.6413% | 6,515 |
| Equity capital to assets | 17.3358% | 381 |
| Core capital (leverage) ratio | 17.2653% | 360 |
| Tier 1 risk-based capital ratio | 25.4919% | 833 |
| Total risk-based capital ratio | 26.7745% | 815 |
| Memoranda: | ||
| Average total assets | $887,529,250 | 749 |
| Average earning assets | $846,463,250 | 705 |
| Average equity | $164,358,000 | 459 |
| Average total loans | $830,072,000 | 502 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5459% | 351 |
| Cost of funding earning assets | 1.4313% | 71 |
| Net interest margin | 4.1146% | 1,502 |
| Noninterest income to average assets | 2.2631% | 370 |
| Noninterest expense to average assets | 1.3696% | 6,747 |
| Loan and lease loss provision to assets | 0.4629% | 618 |
| Net operating income to assets | 2.6985% | 140 |
| Return on assets (ROA) | 2.6985% | 148 |
| Pretax return on assets | 4.3497% | 72 |
| Return on Equity (ROE) | 14.2582% | 954 |
| Retained earnings to average equity (ytd only) | 14.2582% | 289 |
| Net charge-offs to loans | 1.6862% | 291 |
| Credit loss provision to net charge-offs | 29.3516% | 3,602 |
| Earnings coverage of net charge-offs (x) | 3.0516% | 3,512 |
| Efficiency ratio | 22.1540% | 6,913 |
| Assets per employee ($millions) | 21.4721% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8790% | 654 |
| Loan loss allowance to noncurrent loans | 258.0790% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 1.0886% | 3,556 |
| Noncurrent loans to loans | 1.1156% | 3,698 |
| Net loans and leases to total assets | 90.4554% | 34 |
| Net loans and leases to deposits | 126.0234% | 52 |
| Net loans and leases to core deposits | 339.7858% | 29 |
| Total domestic deposits to total assets | 71.7766% | 6,572 |
| Equity capital to assets | 19.0952% | 253 |
| Core capital (leverage) ratio | 19.7264% | 204 |
| Tier 1 risk-based capital ratio | 27.7280% | 647 |
| Total risk-based capital ratio | 29.0107% | 635 |
| Memoranda: | ||
| Average total assets | $880,106,330 | 752 |
| Average earning assets | $838,283,670 | 715 |
| Average equity | $166,570,330 | 457 |
| Average total loans | $823,164,330 | 504 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6112% | 307 |
| Cost of funding earning assets | 1.4419% | 73 |
| Net interest margin | 4.1693% | 1,280 |
| Noninterest income to average assets | 2.2212% | 376 |
| Noninterest expense to average assets | 1.3506% | 6,849 |
| Loan and lease loss provision to assets | 0.0051% | 4,369 |
| Net operating income to assets | 2.9957% | 105 |
| Return on assets (ROA) | 2.9957% | 111 |
| Pretax return on assets | 4.8373% | 64 |
| Return on Equity (ROE) | 15.9020% | 622 |
| Retained earnings to average equity (ytd only) | 15.9020% | 286 |
| Net charge-offs to loans | 1.7060% | 291 |
| Credit loss provision to net charge-offs | 0.3165% | 3,238 |
| Earnings coverage of net charge-offs (x) | 3.0282% | 2,862 |
| Efficiency ratio | 21.8086% | 6,990 |
| Assets per employee ($millions) | 19.6745% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1414% | 576 |
| Loan loss allowance to noncurrent loans | 256.5435% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 1.2053% | 3,558 |
| Noncurrent loans to loans | 1.2245% | 3,730 |
| Net loans and leases to total assets | 91.2532% | 23 |
| Net loans and leases to deposits | 120.1895% | 63 |
| Net loans and leases to core deposits | 323.0692% | 30 |
| Total domestic deposits to total assets | 75.9244% | 6,372 |
| Equity capital to assets | 19.2910% | 248 |
| Core capital (leverage) ratio | 19.0355% | 237 |
| Tier 1 risk-based capital ratio | 27.3289% | 680 |
| Total risk-based capital ratio | 28.6154% | 673 |
| Memoranda: | ||
| Average total assets | $869,246,000 | 769 |
| Average earning assets | $828,051,500 | 731 |
| Average equity | $163,752,500 | 470 |
| Average total loans | $814,780,000 | 508 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2293% | 186 |
| Cost of funding earning assets | 1.5938% | 110 |
| Net interest margin | 4.6355% | 732 |
| Noninterest income to average assets | 2.4749% | 325 |
| Noninterest expense to average assets | 2.3854% | 5,448 |
| Loan and lease loss provision to assets | 1.4218% | 233 |
| Net operating income to assets | 1.9363% | 407 |
| Return on assets (ROA) | 1.9363% | 444 |
| Pretax return on assets | 3.0752% | 133 |
| Return on Equity (ROE) | 10.5964% | 1,940 |
| Retained earnings to average equity (ytd only) | 10.5964% | 488 |
| Net charge-offs to loans | 2.0151% | 359 |
| Credit loss provision to net charge-offs | 75.6471% | 3,987 |
| Earnings coverage of net charge-offs (x) | 2.3926% | 4,213 |
| Efficiency ratio | 34.6597% | 6,998 |
| Assets per employee ($millions) | 20.7813% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5732% | 404 |
| Loan loss allowance to noncurrent loans | 218.9641% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 1.5751% | 3,026 |
| Noncurrent loans to loans | 1.6319% | 3,177 |
| Net loans and leases to total assets | 89.9269% | 47 |
| Net loans and leases to deposits | 117.7174% | 83 |
| Net loans and leases to core deposits | 315.9752% | 33 |
| Total domestic deposits to total assets | 76.3922% | 6,304 |
| Equity capital to assets | 18.3896% | 302 |
| Core capital (leverage) ratio | 18.4578% | 256 |
| Tier 1 risk-based capital ratio | 25.9521% | 777 |
| Total risk-based capital ratio | 27.2449% | 760 |
| Memoranda: | ||
| Average total assets | $836,533,400 | 784 |
| Average earning assets | $795,406,600 | 751 |
| Average equity | $152,862,800 | 480 |
| Average total loans | $780,256,400 | 525 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2728% | 188 |
| Cost of funding earning assets | 1.6313% | 110 |
| Net interest margin | 4.6414% | 756 |
| Noninterest income to average assets | 2.4740% | 315 |
| Noninterest expense to average assets | 2.7531% | 4,160 |
| Loan and lease loss provision to assets | 1.1682% | 314 |
| Net operating income to assets | 1.8743% | 486 |
| Return on assets (ROA) | 1.8743% | 563 |
| Pretax return on assets | 2.9676% | 160 |
| Return on Equity (ROE) | 10.2741% | 2,223 |
| Retained earnings to average equity (ytd only) | 10.2741% | 842 |
| Net charge-offs to loans | 1.9107% | 395 |
| Credit loss provision to net charge-offs | 65.5456% | 4,012 |
| Earnings coverage of net charge-offs (x) | 2.3205% | 4,116 |
| Efficiency ratio | 39.9644% | 7,013 |
| Assets per employee ($millions) | 20.7769% | 58 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6742% | 402 |
| Loan loss allowance to noncurrent loans | 202.6248% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 1.7254% | 3,020 |
| Noncurrent loans to loans | 1.8133% | 3,060 |
| Net loans and leases to total assets | 89.5684% | 55 |
| Net loans and leases to deposits | 113.7353% | 113 |
| Net loans and leases to core deposits | 289.6605% | 41 |
| Total domestic deposits to total assets | 78.7516% | 5,927 |
| Equity capital to assets | 18.3169% | 338 |
| Core capital (leverage) ratio | 18.3178% | 283 |
| Tier 1 risk-based capital ratio | 25.6116% | 858 |
| Total risk-based capital ratio | 26.9053% | 841 |
| Memoranda: | ||
| Average total assets | $827,463,250 | 798 |
| Average earning assets | $787,062,500 | 761 |
| Average equity | $150,951,750 | 481 |
| Average total loans | $771,825,500 | 521 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2461% | 202 |
| Cost of funding earning assets | 1.6986% | 105 |
| Net interest margin | 4.5476% | 911 |
| Noninterest income to average assets | 2.4542% | 304 |
| Noninterest expense to average assets | 1.4192% | 7,048 |
| Loan and lease loss provision to assets | 1.2942% | 307 |
| Net operating income to assets | 2.5709% | 155 |
| Return on assets (ROA) | 2.5709% | 178 |
| Pretax return on assets | 4.0665% | 81 |
| Return on Equity (ROE) | 14.1125% | 1,089 |
| Retained earnings to average equity (ytd only) | 14.1125% | 339 |
| Net charge-offs to loans | 2.0351% | 399 |
| Credit loss provision to net charge-offs | 68.1053% | 3,614 |
| Earnings coverage of net charge-offs (x) | 2.8209% | 3,617 |
| Efficiency ratio | 20.9325% | 7,211 |
| Assets per employee ($millions) | 19.6564% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9444% | 358 |
| Loan loss allowance to noncurrent loans | 198.0411% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 1.9069% | 2,895 |
| Noncurrent loans to loans | 1.9917% | 2,956 |
| Net loans and leases to total assets | 89.7652% | 44 |
| Net loans and leases to deposits | 114.5109% | 96 |
| Net loans and leases to core deposits | 295.8422% | 39 |
| Total domestic deposits to total assets | 78.3902% | 6,083 |
| Equity capital to assets | 18.7654% | 292 |
| Core capital (leverage) ratio | 18.5621% | 267 |
| Tier 1 risk-based capital ratio | 26.1600% | 792 |
| Total risk-based capital ratio | 27.4582% | 777 |
| Memoranda: | ||
| Average total assets | $819,334,000 | 811 |
| Average earning assets | $779,363,330 | 772 |
| Average equity | $149,258,000 | 482 |
| Average total loans | $765,070,000 | 525 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2781% | 211 |
| Cost of funding earning assets | 1.8364% | 74 |
| Net interest margin | 4.4417% | 1,128 |
| Noninterest income to average assets | 2.4660% | 307 |
| Noninterest expense to average assets | 1.5859% | 6,990 |
| Loan and lease loss provision to assets | 1.8235% | 172 |
| Net operating income to assets | 2.1122% | 342 |
| Return on assets (ROA) | 2.1122% | 396 |
| Pretax return on assets | 3.2834% | 142 |
| Return on Equity (ROE) | 11.7738% | 1,746 |
| Retained earnings to average equity (ytd only) | 11.7738% | 861 |
| Net charge-offs to loans | 2.2582% | 389 |
| Credit loss provision to net charge-offs | 86.5148% | 2,614 |
| Earnings coverage of net charge-offs (x) | 2.4229% | 3,211 |
| Efficiency ratio | 23.6948% | 7,261 |
| Assets per employee ($millions) | 19.2395% | 62 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2508% | 308 |
| Loan loss allowance to noncurrent loans | 197.5802% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 2.0850% | 2,794 |
| Noncurrent loans to loans | 2.1514% | 2,968 |
| Net loans and leases to total assets | 90.1332% | 39 |
| Net loans and leases to deposits | 111.7609% | 115 |
| Net loans and leases to core deposits | 294.2700% | 36 |
| Total domestic deposits to total assets | 80.6482% | 5,690 |
| Equity capital to assets | 18.3939% | 316 |
| Core capital (leverage) ratio | 17.8667% | 302 |
| Tier 1 risk-based capital ratio | 25.5437% | 848 |
| Total risk-based capital ratio | 26.8471% | 825 |
| Memoranda: | ||
| Average total assets | $816,217,000 | 814 |
| Average earning assets | $776,726,500 | 775 |
| Average equity | $146,426,500 | 488 |
| Average total loans | $761,853,000 | 528 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7306% | 139 |
| Cost of funding earning assets | 1.8386% | 187 |
| Net interest margin | 4.8920% | 520 |
| Noninterest income to average assets | 2.3275% | 300 |
| Noninterest expense to average assets | 1.2818% | 7,246 |
| Loan and lease loss provision to assets | 1.8284% | 355 |
| Net operating income to assets | 2.3867% | 161 |
| Return on assets (ROA) | 2.3867% | 169 |
| Pretax return on assets | 3.8506% | 79 |
| Return on Equity (ROE) | 14.5686% | 820 |
| Retained earnings to average equity (ytd only) | 14.5686% | 150 |
| Net charge-offs to loans | 2.7591% | 386 |
| Credit loss provision to net charge-offs | 72.3466% | 4,760 |
| Earnings coverage of net charge-offs (x) | 2.2471% | 4,102 |
| Efficiency ratio | 18.4145% | 7,337 |
| Assets per employee ($millions) | 21.6941% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3135% | 291 |
| Loan loss allowance to noncurrent loans | 216.1555% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 2.0754% | 2,872 |
| Noncurrent loans to loans | 1.9956% | 3,211 |
| Net loans and leases to total assets | 88.5676% | 68 |
| Net loans and leases to deposits | 108.6921% | 196 |
| Net loans and leases to core deposits | 289.9635% | 43 |
| Total domestic deposits to total assets | 81.4849% | 5,296 |
| Equity capital to assets | 17.4944% | 386 |
| Core capital (leverage) ratio | 16.8107% | 378 |
| Tier 1 risk-based capital ratio | 24.4251% | 932 |
| Total risk-based capital ratio | 25.7285% | 915 |
| Memoranda: | ||
| Average total assets | $820,185,600 | 794 |
| Average earning assets | $776,800,000 | 759 |
| Average equity | $134,364,400 | 516 |
| Average total loans | $751,271,400 | 545 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7766% | 135 |
| Cost of funding earning assets | 1.8076% | 252 |
| Net interest margin | 4.9689% | 442 |
| Noninterest income to average assets | 2.3313% | 295 |
| Noninterest expense to average assets | 1.2921% | 7,315 |
| Loan and lease loss provision to assets | 1.5072% | 457 |
| Net operating income to assets | 2.6173% | 128 |
| Return on assets (ROA) | 2.6173% | 135 |
| Pretax return on assets | 4.2331% | 78 |
| Return on Equity (ROE) | 16.2542% | 645 |
| Retained earnings to average equity (ytd only) | 16.2542% | 168 |
| Net charge-offs to loans | 2.9482% | 321 |
| Credit loss provision to net charge-offs | 55.9618% | 4,898 |
| Earnings coverage of net charge-offs (x) | 2.1313% | 4,067 |
| Efficiency ratio | 18.3729% | 7,409 |
| Assets per employee ($millions) | 23.9435% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2251% | 334 |
| Loan loss allowance to noncurrent loans | 229.6353% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 1.7741% | 3,439 |
| Noncurrent loans to loans | 1.8399% | 3,582 |
| Net loans and leases to total assets | 82.4689% | 319 |
| Net loans and leases to deposits | 100.4498% | 453 |
| Net loans and leases to core deposits | 284.4986% | 44 |
| Total domestic deposits to total assets | 82.0996% | 5,055 |
| Equity capital to assets | 16.3221% | 578 |
| Core capital (leverage) ratio | 16.8423% | 415 |
| Tier 1 risk-based capital ratio | 24.2399% | 989 |
| Total risk-based capital ratio | 25.5412% | 965 |
| Memoranda: | ||
| Average total assets | $819,138,500 | 803 |
| Average earning assets | $774,983,500 | 770 |
| Average equity | $131,900,750 | 534 |
| Average total loans | $748,328,750 | 554 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8717% | 124 |
| Cost of funding earning assets | 1.7373% | 408 |
| Net interest margin | 5.1345% | 315 |
| Noninterest income to average assets | 2.4760% | 278 |
| Noninterest expense to average assets | 1.4460% | 7,337 |
| Loan and lease loss provision to assets | 2.1479% | 273 |
| Net operating income to assets | 2.2871% | 224 |
| Return on assets (ROA) | 2.2871% | 238 |
| Pretax return on assets | 3.7291% | 106 |
| Return on Equity (ROE) | 14.2730% | 924 |
| Retained earnings to average equity (ytd only) | 14.2730% | 290 |
| Net charge-offs to loans | 3.3138% | 283 |
| Credit loss provision to net charge-offs | 69.5247% | 4,065 |
| Earnings coverage of net charge-offs (x) | 1.9023% | 3,912 |
| Efficiency ratio | 19.7455% | 7,478 |
| Assets per employee ($millions) | 23.5274% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6999% | 236 |
| Loan loss allowance to noncurrent loans | 266.1856% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 1.9179% | 3,353 |
| Noncurrent loans to loans | 1.7656% | 3,801 |
| Net loans and leases to total assets | 88.3579% | 74 |
| Net loans and leases to deposits | 108.3082% | 211 |
| Net loans and leases to core deposits | 335.6151% | 43 |
| Total domestic deposits to total assets | 81.5800% | 5,324 |
| Equity capital to assets | 16.7132% | 517 |
| Core capital (leverage) ratio | 16.5734% | 442 |
| Tier 1 risk-based capital ratio | 22.9639% | 1,123 |
| Total risk-based capital ratio | 24.2725% | 1,100 |
| Memoranda: | ||
| Average total assets | $804,862,670 | 835 |
| Average earning assets | $759,807,330 | 797 |
| Average equity | $128,970,670 | 543 |
| Average total loans | $750,367,330 | 564 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9689% | 114 |
| Cost of funding earning assets | 1.6488% | 676 |
| Net interest margin | 5.3201% | 219 |
| Noninterest income to average assets | 2.4317% | 274 |
| Noninterest expense to average assets | 1.4755% | 7,377 |
| Loan and lease loss provision to assets | 2.4387% | 207 |
| Net operating income to assets | 2.1756% | 271 |
| Return on assets (ROA) | 2.1756% | 281 |
| Pretax return on assets | 3.5455% | 125 |
| Return on Equity (ROE) | 13.8726% | 1,016 |
| Retained earnings to average equity (ytd only) | 13.8726% | 485 |
| Net charge-offs to loans | 3.8298% | 243 |
| Credit loss provision to net charge-offs | 68.1151% | 3,382 |
| Earnings coverage of net charge-offs (x) | 1.6715% | 3,474 |
| Efficiency ratio | 19.7795% | 7,532 |
| Assets per employee ($millions) | 24.9015% | 54 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8760% | 219 |
| Loan loss allowance to noncurrent loans | 222.3024% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 2.1678% | 3,109 |
| Noncurrent loans to loans | 2.1934% | 3,328 |
| Net loans and leases to total assets | 88.9740% | 62 |
| Net loans and leases to deposits | 112.0457% | 153 |
| Net loans and leases to core deposits | 374.8814% | 40 |
| Total domestic deposits to total assets | 79.4087% | 6,084 |
| Equity capital to assets | 16.1622% | 549 |
| Core capital (leverage) ratio | 16.0314% | 494 |
| Tier 1 risk-based capital ratio | 22.0115% | 1,224 |
| Total risk-based capital ratio | 23.3227% | 1,193 |
| Memoranda: | ||
| Average total assets | $807,328,500 | 837 |
| Average earning assets | $762,987,000 | 800 |
| Average equity | $126,609,000 | 550 |
| Average total loans | $754,721,500 | 570 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4259% | 360 |
| Cost of funding earning assets | 1.7854% | 1,225 |
| Net interest margin | 4.6405% | 926 |
| Noninterest income to average assets | 3.7127% | 182 |
| Noninterest expense to average assets | 1.5281% | 7,434 |
| Loan and lease loss provision to assets | 3.5126% | 222 |
| Net operating income to assets | 1.9292% | 319 |
| Return on assets (ROA) | 1.9292% | 339 |
| Pretax return on assets | 3.1061% | 108 |
| Return on Equity (ROE) | 15.2707% | 682 |
| Retained earnings to average equity (ytd only) | 15.2707% | 114 |
| Net charge-offs to loans | 3.8803% | 338 |
| Credit loss provision to net charge-offs | 98.9043% | 4,676 |
| Earnings coverage of net charge-offs (x) | 1.8636% | 4,330 |
| Efficiency ratio | 18.7569% | 7,626 |
| Assets per employee ($millions) | 24.0532% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0576% | 184 |
| Loan loss allowance to noncurrent loans | 194.6215% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 2.6309% | 2,644 |
| Noncurrent loans to loans | 2.5987% | 2,930 |
| Net loans and leases to total assets | 88.7086% | 83 |
| Net loans and leases to deposits | 125.8988% | 87 |
| Net loans and leases to core deposits | 305.4834% | 46 |
| Total domestic deposits to total assets | 70.4603% | 7,215 |
| Equity capital to assets | 15.2150% | 739 |
| Core capital (leverage) ratio | 14.7275% | 708 |
| Tier 1 risk-based capital ratio | 20.5499% | 1,396 |
| Total risk-based capital ratio | 21.8631% | 1,363 |
| Memoranda: | ||
| Average total assets | $842,890,000 | 802 |
| Average earning assets | $805,383,000 | 755 |
| Average equity | $106,485,000 | 633 |
| Average total loans | $771,466,200 | 564 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2985% | 511 |
| Cost of funding earning assets | 1.8143% | 1,362 |
| Net interest margin | 4.4842% | 1,294 |
| Noninterest income to average assets | 4.0618% | 168 |
| Noninterest expense to average assets | 1.6037% | 7,500 |
| Loan and lease loss provision to assets | 3.6250% | 193 |
| Net operating income to assets | 1.9335% | 378 |
| Return on assets (ROA) | 1.9335% | 415 |
| Pretax return on assets | 3.1208% | 110 |
| Return on Equity (ROE) | 16.0965% | 691 |
| Retained earnings to average equity (ytd only) | 16.0965% | 162 |
| Net charge-offs to loans | 4.1038% | 290 |
| Credit loss provision to net charge-offs | 96.9961% | 4,469 |
| Earnings coverage of net charge-offs (x) | 1.8050% | 4,357 |
| Efficiency ratio | 19.2076% | 7,731 |
| Assets per employee ($millions) | 22.1601% | 61 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0811% | 163 |
| Loan loss allowance to noncurrent loans | 296.4205% | 992 |
| Noncurrent assets plus other real estate owned to assets | 1.6331% | 3,990 |
| Noncurrent loans to loans | 1.7141% | 4,072 |
| Net loans and leases to total assets | 84.8737% | 273 |
| Net loans and leases to deposits | 117.6522% | 137 |
| Net loans and leases to core deposits | 290.5581% | 49 |
| Total domestic deposits to total assets | 72.1395% | 7,114 |
| Equity capital to assets | 14.3201% | 1,076 |
| Core capital (leverage) ratio | 14.2996% | 861 |
| Tier 1 risk-based capital ratio | 20.1721% | 1,514 |
| Total risk-based capital ratio | 21.4857% | 1,471 |
| Memoranda: | ||
| Average total assets | $849,160,000 | 796 |
| Average earning assets | $811,965,500 | 753 |
| Average equity | $101,998,750 | 651 |
| Average total loans | $773,304,250 | 562 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0758% | 796 |
| Cost of funding earning assets | 1.8656% | 1,352 |
| Net interest margin | 4.2101% | 2,124 |
| Noninterest income to average assets | 4.6601% | 147 |
| Noninterest expense to average assets | 1.6542% | 7,534 |
| Loan and lease loss provision to assets | 4.1620% | 178 |
| Net operating income to assets | 1.7712% | 512 |
| Return on assets (ROA) | 1.7712% | 560 |
| Pretax return on assets | 2.8812% | 141 |
| Return on Equity (ROE) | 15.7428% | 729 |
| Retained earnings to average equity (ytd only) | 15.7428% | 202 |
| Net charge-offs to loans | 3.5119% | 419 |
| Credit loss provision to net charge-offs | 129.3620% | 3,112 |
| Earnings coverage of net charge-offs (x) | 2.1892% | 3,923 |
| Efficiency ratio | 19.0197% | 7,797 |
| Assets per employee ($millions) | 22.2194% | 58 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6084% | 124 |
| Loan loss allowance to noncurrent loans | 277.0182% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 2.0000% | 3,498 |
| Noncurrent loans to loans | 2.0246% | 3,686 |
| Net loans and leases to total assets | 88.0211% | 130 |
| Net loans and leases to deposits | 119.7046% | 122 |
| Net loans and leases to core deposits | 309.2823% | 48 |
| Total domestic deposits to total assets | 73.5319% | 7,037 |
| Equity capital to assets | 14.0969% | 1,132 |
| Core capital (leverage) ratio | 13.6625% | 1,013 |
| Tier 1 risk-based capital ratio | 18.9141% | 1,742 |
| Total risk-based capital ratio | 20.2354% | 1,688 |
| Memoranda: | ||
| Average total assets | $851,518,330 | 792 |
| Average earning assets | $816,553,330 | 745 |
| Average equity | $95,802,670 | 690 |
| Average total loans | $780,083,000 | 562 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7469% | 1,626 |
| Cost of funding earning assets | 1.8989% | 1,451 |
| Net interest margin | 3.8479% | 3,583 |
| Noninterest income to average assets | 6.1947% | 113 |
| Noninterest expense to average assets | 1.8439% | 7,417 |
| Loan and lease loss provision to assets | 4.1814% | 203 |
| Net operating income to assets | 2.3495% | 189 |
| Return on assets (ROA) | 2.3495% | 213 |
| Pretax return on assets | 3.8581% | 79 |
| Return on Equity (ROE) | 23.7320% | 200 |
| Retained earnings to average equity (ytd only) | 23.7320% | 116 |
| Net charge-offs to loans | 3.7890% | 365 |
| Credit loss provision to net charge-offs | 121.4947% | 2,877 |
| Earnings coverage of net charge-offs (x) | 2.3360% | 3,379 |
| Efficiency ratio | 18.6563% | 7,905 |
| Assets per employee ($millions) | 23.0697% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2143% | 150 |
| Loan loss allowance to noncurrent loans | 443.7445% | 718 |
| Noncurrent assets plus other real estate owned to assets | 1.1481% | 4,870 |
| Noncurrent loans to loans | 1.1751% | 5,011 |
| Net loans and leases to total assets | 84.1372% | 358 |
| Net loans and leases to deposits | 112.0333% | 250 |
| Net loans and leases to core deposits | 281.9389% | 59 |
| Total domestic deposits to total assets | 75.1001% | 6,893 |
| Equity capital to assets | 12.9266% | 1,553 |
| Core capital (leverage) ratio | 13.2198% | 1,152 |
| Tier 1 risk-based capital ratio | 18.1408% | 1,913 |
| Total risk-based capital ratio | 19.4558% | 1,870 |
| Memoranda: | ||
| Average total assets | $866,218,500 | 793 |
| Average earning assets | $830,366,000 | 745 |
| Average equity | $85,757,500 | 773 |
| Average total loans | $786,808,000 | 576 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1824% | 5,733 |
| Cost of funding earning assets | 2.1498% | 2,232 |
| Net interest margin | 3.0326% | 6,555 |
| Noninterest income to average assets | 4.6567% | 150 |
| Noninterest expense to average assets | 2.4103% | 6,436 |
| Loan and lease loss provision to assets | 6.7064% | 76 |
| Net operating income to assets | -0.9761% | 6,561 |
| Return on assets (ROA) | -0.9761% | 6,564 |
| Pretax return on assets | -1.5493% | 6,730 |
| Return on Equity (ROE) | -12.2855% | 6,789 |
| Retained earnings to average equity (ytd only) | -12.2855% | 6,706 |
| Net charge-offs to loans | 3.2324% | 629 |
| Credit loss provision to net charge-offs | 225.9476% | 1,655 |
| Earnings coverage of net charge-offs (x) | 1.7375% | 4,423 |
| Efficiency ratio | 31.8508% | 7,924 |
| Assets per employee ($millions) | 21.3948% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8996% | 184 |
| Loan loss allowance to noncurrent loans | 142.9609% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 3.2932% | 2,082 |
| Noncurrent loans to loans | 3.4272% | 2,220 |
| Net loans and leases to total assets | 88.3955% | 155 |
| Net loans and leases to deposits | 108.2140% | 449 |
| Net loans and leases to core deposits | 147.8615% | 560 |
| Total domestic deposits to total assets | 81.6858% | 5,068 |
| Equity capital to assets | 6.8000% | 7,465 |
| Core capital (leverage) ratio | 6.5666% | 7,461 |
| Tier 1 risk-based capital ratio | 8.4418% | 7,596 |
| Total risk-based capital ratio | 9.7496% | 7,616 |
| Memoranda: | ||
| Average total assets | $749,324,800 | 915 |
| Average earning assets | $719,223,600 | 869 |
| Average equity | $59,533,800 | 1,112 |
| Average total loans | $688,056,000 | 677 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0817% | 6,334 |
| Cost of funding earning assets | 2.1453% | 2,676 |
| Net interest margin | 2.9364% | 6,759 |
| Noninterest income to average assets | 4.7592% | 143 |
| Noninterest expense to average assets | 2.8381% | 4,728 |
| Loan and lease loss provision to assets | 7.4778% | 58 |
| Net operating income to assets | -1.7183% | 7,202 |
| Return on assets (ROA) | -1.7183% | 7,199 |
| Pretax return on assets | -2.7359% | 7,430 |
| Return on Equity (ROE) | -20.7426% | 7,399 |
| Retained earnings to average equity (ytd only) | -20.7426% | 7,367 |
| Net charge-offs to loans | 2.2236% | 864 |
| Credit loss provision to net charge-offs | 367.5796% | 1,101 |
| Earnings coverage of net charge-offs (x) | 2.3309% | 4,075 |
| Efficiency ratio | 37.4425% | 7,956 |
| Assets per employee ($millions) | 21.3432% | 73 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3116% | 116 |
| Loan loss allowance to noncurrent loans | 124.6320% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 3.8033% | 1,703 |
| Noncurrent loans to loans | 4.2618% | 1,689 |
| Net loans and leases to total assets | 84.5014% | 488 |
| Net loans and leases to deposits | 103.5663% | 804 |
| Net loans and leases to core deposits | 136.5863% | 1,072 |
| Total domestic deposits to total assets | 81.5916% | 4,836 |
| Equity capital to assets | 6.5877% | 7,743 |
| Core capital (leverage) ratio | 6.2561% | 7,747 |
| Tier 1 risk-based capital ratio | 8.4132% | 7,742 |
| Total risk-based capital ratio | 9.7286% | 7,758 |
| Memoranda: | ||
| Average total assets | $722,708,500 | 953 |
| Average earning assets | $694,259,250 | 909 |
| Average equity | $59,868,750 | 1,126 |
| Average total loans | $661,206,500 | 726 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1828% | 6,138 |
| Cost of funding earning assets | 2.1449% | 3,063 |
| Net interest margin | 3.0379% | 6,440 |
| Noninterest income to average assets | 4.9320% | 133 |
| Noninterest expense to average assets | 3.8301% | 1,608 |
| Loan and lease loss provision to assets | 6.4642% | 118 |
| Net operating income to assets | -1.5457% | 7,268 |
| Return on assets (ROA) | -1.5457% | 7,270 |
| Pretax return on assets | -2.4538% | 7,407 |
| Return on Equity (ROE) | -17.1846% | 7,426 |
| Retained earnings to average equity (ytd only) | -17.1846% | 7,355 |
| Net charge-offs to loans | 2.2369% | 809 |
| Credit loss provision to net charge-offs | 312.6353% | 1,490 |
| Earnings coverage of net charge-offs (x) | 1.9396% | 4,131 |
| Efficiency ratio | 48.8505% | 7,722 |
| Assets per employee ($millions) | 18.9350% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6633% | 332 |
| Loan loss allowance to noncurrent loans | 369.8429% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.9017% | 5,180 |
| Noncurrent loans to loans | 0.9905% | 5,225 |
| Net loans and leases to total assets | 87.6972% | 256 |
| Net loans and leases to deposits | 101.5014% | 1,117 |
| Net loans and leases to core deposits | 121.7572% | 2,226 |
| Total domestic deposits to total assets | 86.4000% | 2,569 |
| Equity capital to assets | 7.7604% | 7,017 |
| Core capital (leverage) ratio | 8.0847% | 6,188 |
| Tier 1 risk-based capital ratio | 10.3380% | 6,551 |
| Total risk-based capital ratio | 11.6273% | 6,439 |
| Memoranda: | ||
| Average total assets | $679,035,330 | 1,038 |
| Average earning assets | $650,114,670 | 982 |
| Average equity | $61,078,000 | 1,120 |
| Average total loans | $627,648,670 | 783 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1872% | 6,343 |
| Cost of funding earning assets | 2.1400% | 3,464 |
| Net interest margin | 3.0472% | 6,348 |
| Noninterest income to average assets | 4.7247% | 133 |
| Noninterest expense to average assets | 5.8180% | 310 |
| Loan and lease loss provision to assets | 9.9742% | 45 |
| Net operating income to assets | -5.1397% | 8,044 |
| Return on assets (ROA) | -5.1397% | 8,036 |
| Pretax return on assets | -8.1709% | 8,120 |
| Return on Equity (ROE) | -52.6885% | 8,058 |
| Retained earnings to average equity (ytd only) | -52.6885% | 8,040 |
| Net charge-offs to loans | 1.1637% | 1,182 |
| Credit loss provision to net charge-offs | 918.7025% | 672 |
| Earnings coverage of net charge-offs (x) | 1.6610% | 3,897 |
| Efficiency ratio | 76.3384% | 3,432 |
| Assets per employee ($millions) | 15.9332% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0053% | 220 |
| Loan loss allowance to noncurrent loans | 273.8539% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 1.3958% | 3,857 |
| Noncurrent loans to loans | 1.4626% | 4,108 |
| Net loans and leases to total assets | 91.6106% | 72 |
| Net loans and leases to deposits | 102.4627% | 1,134 |
| Net loans and leases to core deposits | 127.8476% | 1,796 |
| Total domestic deposits to total assets | 89.4087% | 1,050 |
| Equity capital to assets | 8.7943% | 5,634 |
| Core capital (leverage) ratio | 8.6912% | 5,166 |
| Tier 1 risk-based capital ratio | 11.3163% | 5,580 |
| Total risk-based capital ratio | 12.6117% | 5,445 |
| Memoranda: | ||
| Average total assets | $630,385,000 | 1,131 |
| Average earning assets | $599,239,500 | 1,073 |
| Average equity | $61,493,500 | 1,113 |
| Average total loans | $588,116,000 | 847 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9985% | 5,551 |
| Cost of funding earning assets | 3.8670% | 154 |
| Net interest margin | 2.1315% | 8,000 |
| Noninterest income to average assets | 2.7723% | 225 |
| Noninterest expense to average assets | 2.4999% | 6,007 |
| Loan and lease loss provision to assets | 2.2261% | 514 |
| Net operating income to assets | 0.0293% | 6,287 |
| Return on assets (ROA) | 0.0293% | 6,139 |
| Pretax return on assets | 0.0475% | 6,056 |
| Return on Equity (ROE) | 0.2635% | 6,148 |
| Retained earnings to average equity (ytd only) | 0.2635% | 5,082 |
| Net charge-offs to loans | 0.9532% | 1,296 |
| Credit loss provision to net charge-offs | 276.5405% | 1,654 |
| Earnings coverage of net charge-offs (x) | 2.8244% | 4,666 |
| Efficiency ratio | 52.3708% | 7,451 |
| Assets per employee ($millions) | 14.8173% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9830% | 1,255 |
| Loan loss allowance to noncurrent loans | 548.1000% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.3292% | 6,289 |
| Noncurrent loans to loans | 0.3618% | 6,282 |
| Net loans and leases to total assets | 89.1911% | 263 |
| Net loans and leases to deposits | 117.1864% | 472 |
| Net loans and leases to core deposits | 151.3379% | 806 |
| Total domestic deposits to total assets | 76.1105% | 6,213 |
| Equity capital to assets | 10.7878% | 3,216 |
| Core capital (leverage) ratio | 10.9891% | 2,598 |
| Tier 1 risk-based capital ratio | 14.1434% | 3,476 |
| Total risk-based capital ratio | 15.4072% | 3,392 |
| Memoranda: | ||
| Average total assets | $512,065,000 | 1,318 |
| Average earning assets | $480,735,200 | 1,282 |
| Average equity | $56,934,000 | 1,177 |
| Average total loans | $432,439,400 | 1,107 |