| 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 | 3.7326% | 4,400 |
| Cost of funding earning assets | 0.9028% | 585 |
| Net interest margin | 2.8298% | 5,125 |
| Noninterest income to average assets | 0.1988% | 4,834 |
| Noninterest expense to average assets | 1.6628% | 5,277 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9137% | 3,232 |
| Return on assets (ROA) | 0.9137% | 3,241 |
| Pretax return on assets | 1.1890% | 2,806 |
| Return on Equity (ROE) | 8.9642% | 2,922 |
| Retained earnings to average equity (ytd only) | 5.7272% | 2,842 |
| Net charge-offs to loans | -0.0060% | 4,065 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8127% | 4,367 |
| Assets per employee ($millions) | 10.7001% | 259 |
| Cash dividends to net income (ytd only)* | 36.1098% | 1,969 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6443% | 5,110 |
| Loan loss allowance to noncurrent loans | 218.8175% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.4164% | 3,165 |
| Noncurrent loans to loans | 0.2945% | 3,712 |
| Net loans and leases to total assets | 65.2550% | 3,140 |
| Net loans and leases to deposits | 90.5170% | 1,630 |
| Net loans and leases to core deposits | 97.0939% | 1,898 |
| Total domestic deposits to total assets | 72.0914% | 5,277 |
| Equity capital to assets | 10.3111% | 3,267 |
| Core capital (leverage) ratio | 10.5639% | 2,876 |
| Tier 1 risk-based capital ratio | 16.8222% | 2,172 |
| Total risk-based capital ratio | 17.5081% | 2,323 |
| Memoranda: |
| Average total assets | $909,310,000 | 847 |
| Average earning assets | $852,483,500 | 834 |
| Average equity | $92,680,000 | 908 |
| Average total loans | $604,792,000 | 888 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6743% | 4,398 |
| Cost of funding earning assets | 0.8878% | 398 |
| Net interest margin | 2.7865% | 5,183 |
| Noninterest income to average assets | 0.4001% | 3,637 |
| Noninterest expense to average assets | 1.7403% | 5,290 |
| Loan and lease loss provision to assets | 0.0135% | 4,019 |
| Net operating income to assets | 0.7590% | 3,352 |
| Return on assets (ROA) | 0.7592% | 3,388 |
| Pretax return on assets | 1.2789% | 2,437 |
| Return on Equity (ROE) | 8.1916% | 2,706 |
| Retained earnings to average equity (ytd only) | 4.8197% | 2,241 |
| Net charge-offs to loans | 0.0195% | 3,452 |
| Credit loss provision to net charge-offs | 101.5625% | 2,522 |
| Earnings coverage of net charge-offs (x) | 96.8984% | 662 |
| Efficiency ratio | 56.9549% | 4,662 |
| Assets per employee ($millions) | 9.7754% | 346 |
| Cash dividends to net income (ytd only)* | 41.1636% | 2,803 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6272% | 5,195 |
| Loan loss allowance to noncurrent loans | 104.0933% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.4123% | 3,213 |
| Noncurrent loans to loans | 0.6025% | 2,727 |
| Net loans and leases to total assets | 66.9220% | 2,978 |
| Net loans and leases to deposits | 88.3457% | 1,978 |
| Net loans and leases to core deposits | 98.8717% | 1,795 |
| Total domestic deposits to total assets | 75.7502% | 5,005 |
| Equity capital to assets | 10.0736% | 3,619 |
| Core capital (leverage) ratio | 10.0947% | 3,331 |
| Tier 1 risk-based capital ratio | 16.4073% | 2,298 |
| Total risk-based capital ratio | 17.0834% | 2,446 |
| Memoranda: |
| Average total assets | $959,928,400 | 771 |
| Average earning assets | $906,806,600 | 746 |
| Average equity | $88,968,800 | 909 |
| Average total loans | $655,208,800 | 797 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6703% | 4,393 |
| Cost of funding earning assets | 0.8826% | 386 |
| Net interest margin | 2.7877% | 5,238 |
| Noninterest income to average assets | 0.4160% | 3,583 |
| Noninterest expense to average assets | 1.6894% | 5,379 |
| Loan and lease loss provision to assets | 0.0048% | 4,025 |
| Net operating income to assets | 0.8794% | 3,133 |
| Return on assets (ROA) | 0.8798% | 3,179 |
| Pretax return on assets | 1.3582% | 2,249 |
| Return on Equity (ROE) | 9.6892% | 2,266 |
| Retained earnings to average equity (ytd only) | 6.2924% | 2,064 |
| Net charge-offs to loans | 0.0220% | 3,026 |
| Credit loss provision to net charge-offs | 31.8182% | 3,069 |
| Earnings coverage of net charge-offs (x) | 90.3564% | 740 |
| Efficiency ratio | 54.9297% | 4,855 |
| Assets per employee ($millions) | 10.1428% | 302 |
| Cash dividends to net income (ytd only)* | 35.0577% | 2,513 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5906% | 5,342 |
| Loan loss allowance to noncurrent loans | 148.3833% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.2761% | 3,967 |
| Noncurrent loans to loans | 0.3980% | 3,526 |
| Net loans and leases to total assets | 67.1431% | 2,961 |
| Net loans and leases to deposits | 90.3552% | 1,768 |
| Net loans and leases to core deposits | 101.0669% | 1,617 |
| Total domestic deposits to total assets | 74.3102% | 5,204 |
| Equity capital to assets | 9.5987% | 4,349 |
| Core capital (leverage) ratio | 9.7648% | 3,865 |
| Tier 1 risk-based capital ratio | 15.7923% | 2,595 |
| Total risk-based capital ratio | 16.4377% | 2,774 |
| Memoranda: |
| Average total assets | $972,632,500 | 766 |
| Average earning assets | $919,635,000 | 744 |
| Average equity | $88,316,000 | 919 |
| Average total loans | $665,952,000 | 787 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6370% | 4,406 |
| Cost of funding earning assets | 0.8735% | 360 |
| Net interest margin | 2.7635% | 5,297 |
| Noninterest income to average assets | 0.4636% | 3,264 |
| Noninterest expense to average assets | 1.7184% | 5,396 |
| Loan and lease loss provision to assets | 0.0071% | 3,782 |
| Net operating income to assets | 0.8753% | 3,046 |
| Return on assets (ROA) | 0.8760% | 3,096 |
| Pretax return on assets | 1.3534% | 2,197 |
| Return on Equity (ROE) | 9.8272% | 2,116 |
| Retained earnings to average equity (ytd only) | 6.4015% | 1,900 |
| Net charge-offs to loans | -0.0006% | 4,122 |
| Credit loss provision to net charge-offs | -1,750.0000% | 4,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4137% | 4,884 |
| Assets per employee ($millions) | 9.4857% | 349 |
| Cash dividends to net income (ytd only)* | 34.8594% | 2,591 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5914% | 5,395 |
| Loan loss allowance to noncurrent loans | 137.3140% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.3212% | 3,838 |
| Noncurrent loans to loans | 0.4307% | 3,470 |
| Net loans and leases to total assets | 68.6635% | 2,712 |
| Net loans and leases to deposits | 89.8124% | 1,751 |
| Net loans and leases to core deposits | 101.4274% | 1,558 |
| Total domestic deposits to total assets | 76.4522% | 5,032 |
| Equity capital to assets | 9.3792% | 4,539 |
| Core capital (leverage) ratio | 9.3159% | 4,349 |
| Tier 1 risk-based capital ratio | 15.2157% | 2,836 |
| Total risk-based capital ratio | 15.8661% | 3,024 |
| Memoranda: |
| Average total assets | $982,416,000 | 761 |
| Average earning assets | $929,396,670 | 735 |
| Average equity | $87,573,670 | 933 |
| Average total loans | $675,565,330 | 779 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5238% | 4,629 |
| Cost of funding earning assets | 0.8373% | 394 |
| Net interest margin | 2.6865% | 5,407 |
| Noninterest income to average assets | 0.4179% | 3,539 |
| Noninterest expense to average assets | 1.6595% | 5,509 |
| Loan and lease loss provision to assets | 0.0100% | 3,430 |
| Net operating income to assets | 0.8370% | 3,050 |
| Return on assets (ROA) | 0.8370% | 3,099 |
| Pretax return on assets | 1.2925% | 2,261 |
| Return on Equity (ROE) | 9.6275% | 2,128 |
| Retained earnings to average equity (ytd only) | 6.1743% | 2,241 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5946% | 4,979 |
| Assets per employee ($millions) | 9.9977% | 306 |
| Cash dividends to net income (ytd only)* | 35.8680% | 2,138 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5673% | 5,525 |
| Loan loss allowance to noncurrent loans | 139.3076% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.2774% | 4,100 |
| Noncurrent loans to loans | 0.4072% | 3,632 |
| Net loans and leases to total assets | 67.7293% | 2,720 |
| Net loans and leases to deposits | 89.1554% | 1,647 |
| Net loans and leases to core deposits | 101.4425% | 1,410 |
| Total domestic deposits to total assets | 75.9677% | 5,233 |
| Equity capital to assets | 8.7553% | 5,037 |
| Core capital (leverage) ratio | 9.0869% | 4,635 |
| Tier 1 risk-based capital ratio | 14.5136% | 3,191 |
| Total risk-based capital ratio | 15.1425% | 3,460 |
| Memoranda: |
| Average total assets | $999,338,000 | 746 |
| Average earning assets | $946,378,000 | 724 |
| Average equity | $86,876,500 | 936 |
| Average total loans | $685,749,000 | 763 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5759% | 4,575 |
| Cost of funding earning assets | 0.8990% | 299 |
| Net interest margin | 2.6768% | 5,446 |
| Noninterest income to average assets | 0.5578% | 2,872 |
| Noninterest expense to average assets | 1.9788% | 5,230 |
| Loan and lease loss provision to assets | 0.0615% | 3,138 |
| Net operating income to assets | 0.6827% | 3,862 |
| Return on assets (ROA) | 0.6894% | 3,941 |
| Pretax return on assets | 1.0597% | 3,265 |
| Return on Equity (ROE) | 8.3407% | 2,763 |
| Retained earnings to average equity (ytd only) | 4.8104% | 2,464 |
| Net charge-offs to loans | 0.0280% | 3,470 |
| Credit loss provision to net charge-offs | 312.6904% | 950 |
| Earnings coverage of net charge-offs (x) | 56.4873% | 938 |
| Efficiency ratio | 63.6349% | 4,008 |
| Assets per employee ($millions) | 9.5134% | 357 |
| Cash dividends to net income (ytd only)* | 42.3255% | 2,756 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5558% | 5,597 |
| Loan loss allowance to noncurrent loans | 139.5129% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 4,181 |
| Noncurrent loans to loans | 0.3984% | 3,721 |
| Net loans and leases to total assets | 68.7412% | 2,661 |
| Net loans and leases to deposits | 90.4465% | 1,633 |
| Net loans and leases to core deposits | 103.4808% | 1,323 |
| Total domestic deposits to total assets | 76.0021% | 5,237 |
| Equity capital to assets | 8.6315% | 5,162 |
| Core capital (leverage) ratio | 8.8484% | 4,913 |
| Tier 1 risk-based capital ratio | 14.3322% | 3,264 |
| Total risk-based capital ratio | 14.9577% | 3,548 |
| Memoranda: |
| Average total assets | $1,001,725,400 | 724 |
| Average earning assets | $947,465,000 | 694 |
| Average equity | $82,799,200 | 963 |
| Average total loans | $702,853,200 | 718 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5731% | 4,625 |
| Cost of funding earning assets | 0.9031% | 291 |
| Net interest margin | 2.6700% | 5,523 |
| Noninterest income to average assets | 0.4923% | 3,308 |
| Noninterest expense to average assets | 1.8691% | 5,429 |
| Loan and lease loss provision to assets | 0.0766% | 2,694 |
| Net operating income to assets | 0.6963% | 3,871 |
| Return on assets (ROA) | 0.7025% | 3,963 |
| Pretax return on assets | 1.0813% | 3,309 |
| Return on Equity (ROE) | 8.5943% | 2,713 |
| Retained earnings to average equity (ytd only) | 5.3857% | 2,560 |
| Net charge-offs to loans | 0.0132% | 3,488 |
| Credit loss provision to net charge-offs | 822.8571% | 489 |
| Earnings coverage of net charge-offs (x) | 123.3442% | 563 |
| Efficiency ratio | 61.5242% | 4,311 |
| Assets per employee ($millions) | 9.7692% | 320 |
| Cash dividends to net income (ytd only)* | 37.3344% | 2,466 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5471% | 5,674 |
| Loan loss allowance to noncurrent loans | 126.9405% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.3073% | 4,178 |
| Noncurrent loans to loans | 0.4310% | 3,736 |
| Net loans and leases to total assets | 70.9135% | 2,357 |
| Net loans and leases to deposits | 92.5795% | 1,421 |
| Net loans and leases to core deposits | 105.3385% | 1,248 |
| Total domestic deposits to total assets | 76.5974% | 5,147 |
| Equity capital to assets | 8.1801% | 5,679 |
| Core capital (leverage) ratio | 8.6670% | 5,196 |
| Tier 1 risk-based capital ratio | 13.7927% | 3,673 |
| Total risk-based capital ratio | 14.4157% | 3,962 |
| Memoranda: |
| Average total assets | $1,002,431,250 | 720 |
| Average earning assets | $948,096,000 | 697 |
| Average equity | $81,944,000 | 974 |
| Average total loans | $705,942,750 | 712 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5513% | 4,738 |
| Cost of funding earning assets | 0.9086% | 279 |
| Net interest margin | 2.6427% | 5,625 |
| Noninterest income to average assets | 0.5138% | 3,098 |
| Noninterest expense to average assets | 1.8456% | 5,539 |
| Loan and lease loss provision to assets | 0.0901% | 2,346 |
| Net operating income to assets | 0.6983% | 3,799 |
| Return on assets (ROA) | 0.7052% | 3,911 |
| Pretax return on assets | 1.0881% | 3,247 |
| Return on Equity (ROE) | 8.6285% | 2,680 |
| Retained earnings to average equity (ytd only) | 6.1328% | 2,053 |
| Net charge-offs to loans | -0.0003% | 4,297 |
| Credit loss provision to net charge-offs | -45,100.0000% | 5,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8327% | 4,533 |
| Assets per employee ($millions) | 9.9963% | 287 |
| Cash dividends to net income (ytd only)* | 28.9235% | 2,884 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5372% | 5,760 |
| Loan loss allowance to noncurrent loans | 295.9480% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.1308% | 4,984 |
| Noncurrent loans to loans | 0.1815% | 4,708 |
| Net loans and leases to total assets | 71.6923% | 2,219 |
| Net loans and leases to deposits | 92.7481% | 1,426 |
| Net loans and leases to core deposits | 105.6471% | 1,204 |
| Total domestic deposits to total assets | 77.2979% | 5,114 |
| Equity capital to assets | 8.1184% | 5,766 |
| Core capital (leverage) ratio | 8.4028% | 5,445 |
| Tier 1 risk-based capital ratio | 13.8225% | 3,710 |
| Total risk-based capital ratio | 14.4444% | 3,996 |
| Memoranda: |
| Average total assets | $1,001,167,330 | 721 |
| Average earning assets | $946,926,000 | 701 |
| Average equity | $81,822,000 | 973 |
| Average total loans | $702,099,330 | 717 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4829% | 4,926 |
| Cost of funding earning assets | 0.8979% | 300 |
| Net interest margin | 2.5850% | 5,736 |
| Noninterest income to average assets | 0.5418% | 2,859 |
| Noninterest expense to average assets | 1.7937% | 5,658 |
| Loan and lease loss provision to assets | 0.0902% | 2,174 |
| Net operating income to assets | 0.7117% | 3,655 |
| Return on assets (ROA) | 0.7150% | 3,755 |
| Pretax return on assets | 1.1098% | 3,058 |
| Return on Equity (ROE) | 8.7200% | 2,552 |
| Retained earnings to average equity (ytd only) | 8.3792% | 1,307 |
| Net charge-offs to loans | -0.0006% | 4,069 |
| Credit loss provision to net charge-offs | -22,600.0000% | 5,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5912% | 4,799 |
| Assets per employee ($millions) | 10.5544% | 238 |
| Cash dividends to net income (ytd only)* | 3.9084% | 2,814 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5248% | 5,839 |
| Loan loss allowance to noncurrent loans | 300.0823% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.1199% | 5,102 |
| Noncurrent loans to loans | 0.1749% | 4,784 |
| Net loans and leases to total assets | 68.2017% | 2,621 |
| Net loans and leases to deposits | 88.9661% | 1,708 |
| Net loans and leases to core deposits | 101.6401% | 1,366 |
| Total domestic deposits to total assets | 76.6603% | 5,340 |
| Equity capital to assets | 8.0442% | 5,809 |
| Core capital (leverage) ratio | 8.5351% | 5,359 |
| Tier 1 risk-based capital ratio | 14.2674% | 3,515 |
| Total risk-based capital ratio | 14.8776% | 3,843 |
| Memoranda: |
| Average total assets | $1,001,938,000 | 722 |
| Average earning assets | $948,412,000 | 698 |
| Average equity | $82,156,000 | 970 |
| Average total loans | $692,886,000 | 725 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2893% | 5,362 |
| Cost of funding earning assets | 0.8638% | 347 |
| Net interest margin | 2.4255% | 5,877 |
| Noninterest income to average assets | 0.8732% | 1,521 |
| Noninterest expense to average assets | 2.1814% | 5,083 |
| Loan and lease loss provision to assets | 0.1408% | 1,686 |
| Net operating income to assets | 0.5348% | 4,560 |
| Return on assets (ROA) | 0.6584% | 4,091 |
| Pretax return on assets | 1.0323% | 3,336 |
| Return on Equity (ROE) | 8.2038% | 2,840 |
| Retained earnings to average equity (ytd only) | 8.1155% | 871 |
| Net charge-offs to loans | -0.0003% | 4,815 |
| Credit loss provision to net charge-offs | -66,500.0000% | 5,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5754% | 3,471 |
| Assets per employee ($millions) | 10.0066% | 275 |
| Cash dividends to net income (ytd only)* | 1.0773% | 4,244 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4947% | 5,924 |
| Loan loss allowance to noncurrent loans | 177.4261% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.1945% | 4,821 |
| Noncurrent loans to loans | 0.2788% | 4,462 |
| Net loans and leases to total assets | 69.4160% | 2,466 |
| Net loans and leases to deposits | 89.6494% | 1,663 |
| Net loans and leases to core deposits | 102.4947% | 1,326 |
| Total domestic deposits to total assets | 77.4305% | 5,253 |
| Equity capital to assets | 8.3587% | 5,661 |
| Core capital (leverage) ratio | 8.4981% | 5,438 |
| Tier 1 risk-based capital ratio | 14.7469% | 3,303 |
| Total risk-based capital ratio | 15.3494% | 3,576 |
| Memoranda: |
| Average total assets | $944,564,000 | 728 |
| Average earning assets | $891,106,600 | 711 |
| Average equity | $75,806,000 | 1,007 |
| Average total loans | $671,653,800 | 702 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2043% | 5,575 |
| Cost of funding earning assets | 0.8393% | 403 |
| Net interest margin | 2.3650% | 5,995 |
| Noninterest income to average assets | 0.6225% | 2,627 |
| Noninterest expense to average assets | 1.9809% | 5,517 |
| Loan and lease loss provision to assets | 0.1472% | 1,482 |
| Net operating income to assets | 0.4617% | 4,930 |
| Return on assets (ROA) | 0.6276% | 4,360 |
| Pretax return on assets | 0.9819% | 3,683 |
| Return on Equity (ROE) | 7.9073% | 3,123 |
| Retained earnings to average equity (ytd only) | 7.8173% | 1,325 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0110% | 3,373 |
| Assets per employee ($millions) | 10.1437% | 254 |
| Cash dividends to net income (ytd only)* | 1.1385% | 3,791 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4510% | 6,052 |
| Loan loss allowance to noncurrent loans | 169.4943% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.2027% | 4,943 |
| Noncurrent loans to loans | 0.2661% | 4,626 |
| Net loans and leases to total assets | 69.9260% | 2,397 |
| Net loans and leases to deposits | 89.9203% | 1,662 |
| Net loans and leases to core deposits | 103.5954% | 1,257 |
| Total domestic deposits to total assets | 77.7644% | 5,229 |
| Equity capital to assets | 7.7465% | 6,030 |
| Core capital (leverage) ratio | 7.8621% | 5,959 |
| Tier 1 risk-based capital ratio | 13.9218% | 3,892 |
| Total risk-based capital ratio | 14.4887% | 4,212 |
| Memoranda: |
| Average total assets | $933,041,750 | 741 |
| Average earning assets | $879,078,000 | 726 |
| Average equity | $74,056,000 | 1,037 |
| Average total loans | $666,794,500 | 709 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1050% | 5,739 |
| Cost of funding earning assets | 0.7993% | 504 |
| Net interest margin | 2.3058% | 6,094 |
| Noninterest income to average assets | 0.6139% | 2,661 |
| Noninterest expense to average assets | 2.0542% | 5,430 |
| Loan and lease loss provision to assets | 0.1768% | 1,169 |
| Net operating income to assets | 0.3519% | 5,292 |
| Return on assets (ROA) | 0.6037% | 4,434 |
| Pretax return on assets | 0.9429% | 3,799 |
| Return on Equity (ROE) | 7.5408% | 3,299 |
| Retained earnings to average equity (ytd only) | 7.4481% | 1,499 |
| Net charge-offs to loans | 0.0012% | 3,864 |
| Credit loss provision to net charge-offs | 20,250.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 831.7500% | 74 |
| Efficiency ratio | 73.3825% | 2,768 |
| Assets per employee ($millions) | 10.3883% | 237 |
| Cash dividends to net income (ytd only)* | 1.2297% | 3,626 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4498% | 6,133 |
| Loan loss allowance to noncurrent loans | 176.4024% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.1964% | 5,081 |
| Noncurrent loans to loans | 0.2550% | 4,764 |
| Net loans and leases to total assets | 68.4859% | 2,571 |
| Net loans and leases to deposits | 90.1093% | 1,582 |
| Net loans and leases to core deposits | 106.0780% | 1,068 |
| Total domestic deposits to total assets | 76.0031% | 5,596 |
| Equity capital to assets | 8.2000% | 5,878 |
| Core capital (leverage) ratio | 7.9813% | 5,940 |
| Tier 1 risk-based capital ratio | 14.7452% | 3,506 |
| Total risk-based capital ratio | 15.3147% | 3,827 |
| Memoranda: |
| Average total assets | $916,077,330 | 769 |
| Average earning assets | $860,795,670 | 747 |
| Average equity | $73,334,330 | 1,050 |
| Average total loans | $658,678,330 | 714 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8332% | 6,047 |
| Cost of funding earning assets | 0.6868% | 917 |
| Net interest margin | 2.1464% | 6,227 |
| Noninterest income to average assets | 0.6000% | 2,653 |
| Noninterest expense to average assets | 2.1843% | 5,190 |
| Loan and lease loss provision to assets | 0.3419% | 384 |
| Net operating income to assets | 0.0582% | 5,944 |
| Return on assets (ROA) | 0.5506% | 4,591 |
| Pretax return on assets | 0.8577% | 4,035 |
| Return on Equity (ROE) | 6.9654% | 3,525 |
| Retained earnings to average equity (ytd only) | 6.8705% | 2,067 |
| Net charge-offs to loans | 0.0048% | 3,153 |
| Credit loss provision to net charge-offs | 9,687.5000% | 35 |
| Earnings coverage of net charge-offs (x) | 121.8750% | 421 |
| Efficiency ratio | 83.0071% | 1,492 |
| Assets per employee ($millions) | 9.8693% | 266 |
| Cash dividends to net income (ytd only)* | 1.3622% | 2,855 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4283% | 6,223 |
| Loan loss allowance to noncurrent loans | 338.1517% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 5,491 |
| Noncurrent loans to loans | 0.1267% | 5,320 |
| Net loans and leases to total assets | 73.0769% | 1,642 |
| Net loans and leases to deposits | 92.7202% | 1,112 |
| Net loans and leases to core deposits | 111.4847% | 680 |
| Total domestic deposits to total assets | 78.8144% | 5,296 |
| Equity capital to assets | 8.1942% | 5,938 |
| Core capital (leverage) ratio | 8.6520% | 5,375 |
| Tier 1 risk-based capital ratio | 15.3320% | 3,243 |
| Total risk-based capital ratio | 15.9285% | 3,538 |
| Memoranda: |
| Average total assets | $906,641,500 | 775 |
| Average earning assets | $850,909,000 | 759 |
| Average equity | $71,668,500 | 1,075 |
| Average total loans | $666,417,000 | 699 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2522% | 5,769 |
| Cost of funding earning assets | 0.6969% | 1,130 |
| Net interest margin | 2.5553% | 6,108 |
| Noninterest income to average assets | 1.2016% | 832 |
| Noninterest expense to average assets | 2.7703% | 3,592 |
| Loan and lease loss provision to assets | 0.0316% | 3,967 |
| Net operating income to assets | 0.4988% | 4,817 |
| Return on assets (ROA) | 0.5315% | 4,767 |
| Pretax return on assets | 0.8398% | 4,109 |
| Return on Equity (ROE) | 6.3947% | 3,957 |
| Retained earnings to average equity (ytd only) | 5.5648% | 2,222 |
| Net charge-offs to loans | 0.0035% | 4,893 |
| Credit loss provision to net charge-offs | 1,300.0000% | 220 |
| Earnings coverage of net charge-offs (x) | 337.2000% | 161 |
| Efficiency ratio | 76.7227% | 2,407 |
| Assets per employee ($millions) | 9.9485% | 257 |
| Cash dividends to net income (ytd only)* | 12.9778% | 4,043 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3131% | 6,377 |
| Loan loss allowance to noncurrent loans | 2.7969% | 5,936 |
| Noncurrent assets plus other real estate owned to assets | 8.2639% | 112 |
| Noncurrent loans to loans | 11.1962% | 54 |
| Net loans and leases to total assets | 73.3864% | 1,690 |
| Net loans and leases to deposits | 103.2815% | 461 |
| Net loans and leases to core deposits | 117.8718% | 470 |
| Total domestic deposits to total assets | 71.0547% | 6,140 |
| Equity capital to assets | 7.6146% | 6,200 |
| Core capital (leverage) ratio | 7.5004% | 6,202 |
| Tier 1 risk-based capital ratio | 17.5254% | 2,305 |
| Total risk-based capital ratio | 18.0742% | 2,535 |
| Memoranda: |
| Average total assets | $822,074,800 | 821 |
| Average earning assets | $768,591,200 | 793 |
| Average equity | $68,322,200 | 1,080 |
| Average total loans | $572,367,600 | 774 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2122% | 5,889 |
| Cost of funding earning assets | 0.6823% | 1,244 |
| Net interest margin | 2.5299% | 6,202 |
| Noninterest income to average assets | 1.1242% | 958 |
| Noninterest expense to average assets | 2.6406% | 4,048 |
| Loan and lease loss provision to assets | 0.0349% | 3,705 |
| Net operating income to assets | 0.5118% | 4,829 |
| Return on assets (ROA) | 0.5358% | 4,805 |
| Pretax return on assets | 0.8516% | 4,174 |
| Return on Equity (ROE) | 6.2979% | 4,080 |
| Retained earnings to average equity (ytd only) | 5.2222% | 2,938 |
| Net charge-offs to loans | 0.0058% | 4,490 |
| Credit loss provision to net charge-offs | 875.0000% | 368 |
| Earnings coverage of net charge-offs (x) | 212.6197% | 306 |
| Efficiency ratio | 75.2146% | 2,631 |
| Assets per employee ($millions) | 9.6834% | 267 |
| Cash dividends to net income (ytd only)* | 17.0808% | 3,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3384% | 6,447 |
| Loan loss allowance to noncurrent loans | 2.3021% | 6,045 |
| Noncurrent assets plus other real estate owned to assets | 9.9348% | 89 |
| Noncurrent loans to loans | 14.6975% | 37 |
| Net loans and leases to total assets | 67.2173% | 2,656 |
| Net loans and leases to deposits | 85.9536% | 1,907 |
| Net loans and leases to core deposits | 98.3470% | 1,500 |
| Total domestic deposits to total assets | 78.2019% | 5,488 |
| Equity capital to assets | 7.9283% | 6,168 |
| Core capital (leverage) ratio | 7.9581% | 6,096 |
| Tier 1 risk-based capital ratio | 20.0393% | 1,663 |
| Total risk-based capital ratio | 20.6315% | 1,782 |
| Memoranda: |
| Average total assets | $801,266,250 | 850 |
| Average earning assets | $749,212,000 | 824 |
| Average equity | $68,168,750 | 1,082 |
| Average total loans | $548,844,250 | 804 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1708% | 5,986 |
| Cost of funding earning assets | 0.6845% | 1,277 |
| Net interest margin | 2.4863% | 6,295 |
| Noninterest income to average assets | 1.2507% | 749 |
| Noninterest expense to average assets | 2.7978% | 3,519 |
| Loan and lease loss provision to assets | 0.0272% | 3,724 |
| Net operating income to assets | 0.4711% | 4,930 |
| Return on assets (ROA) | 0.4960% | 4,907 |
| Pretax return on assets | 0.7954% | 4,288 |
| Return on Equity (ROE) | 5.6809% | 4,338 |
| Retained earnings to average equity (ytd only) | 5.5800% | 2,596 |
| Net charge-offs to loans | 0.0102% | 4,056 |
| Credit loss provision to net charge-offs | 388.8889% | 708 |
| Earnings coverage of net charge-offs (x) | 111.9630% | 515 |
| Efficiency ratio | 77.6603% | 2,343 |
| Assets per employee ($millions) | 8.5628% | 389 |
| Cash dividends to net income (ytd only)* | 1.7773% | 3,618 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3241% | 6,528 |
| Loan loss allowance to noncurrent loans | 1.7817% | 6,105 |
| Noncurrent assets plus other real estate owned to assets | 12.6466% | 53 |
| Noncurrent loans to loans | 18.1903% | 17 |
| Net loans and leases to total assets | 69.1412% | 2,213 |
| Net loans and leases to deposits | 93.8349% | 972 |
| Net loans and leases to core deposits | 107.1813% | 819 |
| Total domestic deposits to total assets | 73.6838% | 6,137 |
| Equity capital to assets | 8.1770% | 6,042 |
| Core capital (leverage) ratio | 8.6718% | 5,446 |
| Tier 1 risk-based capital ratio | 22.2435% | 1,225 |
| Total risk-based capital ratio | 22.8735% | 1,301 |
| Memoranda: |
| Average total assets | $771,398,330 | 880 |
| Average earning assets | $723,164,670 | 849 |
| Average equity | $67,348,000 | 1,086 |
| Average total loans | $531,508,330 | 825 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2403% | 5,946 |
| Cost of funding earning assets | 0.6900% | 1,303 |
| Net interest margin | 2.5503% | 6,287 |
| Noninterest income to average assets | 1.4108% | 584 |
| Noninterest expense to average assets | 2.9911% | 2,892 |
| Loan and lease loss provision to assets | 0.0219% | 3,544 |
| Net operating income to assets | 0.4971% | 4,706 |
| Return on assets (ROA) | 0.5410% | 4,571 |
| Pretax return on assets | 0.8675% | 3,834 |
| Return on Equity (ROE) | 5.9746% | 4,041 |
| Retained earnings to average equity (ytd only) | 5.8716% | 2,611 |
| Net charge-offs to loans | 0.0248% | 3,075 |
| Credit loss provision to net charge-offs | 129.0323% | 1,392 |
| Earnings coverage of net charge-offs (x) | 48.2581% | 768 |
| Efficiency ratio | 78.0049% | 2,474 |
| Assets per employee ($millions) | 7.6593% | 577 |
| Cash dividends to net income (ytd only)* | 1.7241% | 2,829 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3442% | 6,594 |
| Loan loss allowance to noncurrent loans | 1.6293% | 6,198 |
| Noncurrent assets plus other real estate owned to assets | 15.2089% | 40 |
| Noncurrent loans to loans | 21.1245% | 12 |
| Net loans and leases to total assets | 71.5941% | 1,635 |
| Net loans and leases to deposits | 88.0523% | 1,357 |
| Net loans and leases to core deposits | 92.6632% | 1,669 |
| Total domestic deposits to total assets | 81.3086% | 5,149 |
| Equity capital to assets | 9.1941% | 4,881 |
| Core capital (leverage) ratio | 9.0909% | 4,882 |
| Tier 1 risk-based capital ratio | 25.7740% | 805 |
| Total risk-based capital ratio | 26.4879% | 847 |
| Memoranda: |
| Average total assets | $728,956,000 | 935 |
| Average earning assets | $686,356,000 | 900 |
| Average equity | $66,013,000 | 1,108 |
| Average total loans | $500,278,000 | 884 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7227% | 6,532 |
| Cost of funding earning assets | 0.6628% | 2,093 |
| Net interest margin | 2.0599% | 6,635 |
| Noninterest income to average assets | 3.1012% | 220 |
| Noninterest expense to average assets | 4.0499% | 826 |
| Loan and lease loss provision to assets | 0.0403% | 4,313 |
| Net operating income to assets | 0.5968% | 4,275 |
| Return on assets (ROA) | 0.6088% | 4,340 |
| Pretax return on assets | 0.9844% | 3,417 |
| Return on Equity (ROE) | 7.0799% | 3,525 |
| Retained earnings to average equity (ytd only) | 6.6379% | 1,601 |
| Net charge-offs to loans | 0.0177% | 5,091 |
| Credit loss provision to net charge-offs | 285.7143% | 788 |
| Earnings coverage of net charge-offs (x) | 71.2527% | 598 |
| Efficiency ratio | 79.7723% | 2,183 |
| Assets per employee ($millions) | 5.1254% | 2,040 |
| Cash dividends to net income (ytd only)* | 6.2436% | 4,130 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4004% | 6,641 |
| Loan loss allowance to noncurrent loans | 1.9235% | 6,297 |
| Noncurrent assets plus other real estate owned to assets | 13.5831% | 61 |
| Noncurrent loans to loans | 20.8155% | 16 |
| Net loans and leases to total assets | 64.9596% | 2,877 |
| Net loans and leases to deposits | 81.4037% | 2,263 |
| Net loans and leases to core deposits | 88.0892% | 2,239 |
| Total domestic deposits to total assets | 79.7994% | 5,493 |
| Equity capital to assets | 8.9090% | 5,143 |
| Core capital (leverage) ratio | 8.8625% | 5,196 |
| Tier 1 risk-based capital ratio | 28.2784% | 593 |
| Total risk-based capital ratio | 29.1345% | 598 |
| Memoranda: |
| Average total assets | $644,579,000 | 1,036 |
| Average earning assets | $611,625,600 | 1,001 |
| Average equity | $55,424,200 | 1,286 |
| Average total loans | $513,464,600 | 828 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6181% | 6,656 |
| Cost of funding earning assets | 0.6799% | 2,098 |
| Net interest margin | 1.9382% | 6,741 |
| Noninterest income to average assets | 3.3387% | 210 |
| Noninterest expense to average assets | 4.0733% | 792 |
| Loan and lease loss provision to assets | 0.0339% | 4,342 |
| Net operating income to assets | 0.6657% | 4,036 |
| Return on assets (ROA) | 0.6651% | 4,176 |
| Pretax return on assets | 1.0736% | 3,214 |
| Return on Equity (ROE) | 7.8140% | 3,222 |
| Retained earnings to average equity (ytd only) | 7.3058% | 1,733 |
| Net charge-offs to loans | 0.0028% | 5,157 |
| Credit loss provision to net charge-offs | 1,454.5455% | 221 |
| Earnings coverage of net charge-offs (x) | 475.2440% | 124 |
| Efficiency ratio | 78.2956% | 2,373 |
| Assets per employee ($millions) | 4.7000% | 2,576 |
| Cash dividends to net income (ytd only)* | 6.5030% | 3,579 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4260% | 6,704 |
| Loan loss allowance to noncurrent loans | 3.6280% | 6,382 |
| Noncurrent assets plus other real estate owned to assets | 7.7160% | 245 |
| Noncurrent loans to loans | 11.7432% | 90 |
| Net loans and leases to total assets | 65.3614% | 2,743 |
| Net loans and leases to deposits | 84.3911% | 1,832 |
| Net loans and leases to core deposits | 90.6697% | 1,909 |
| Total domestic deposits to total assets | 77.4506% | 5,981 |
| Equity capital to assets | 9.5538% | 4,482 |
| Core capital (leverage) ratio | 8.2844% | 5,988 |
| Tier 1 risk-based capital ratio | 30.0962% | 512 |
| Total risk-based capital ratio | 31.0092% | 521 |
| Memoranda: |
| Average total assets | $628,897,750 | 1,070 |
| Average earning assets | $598,079,250 | 1,035 |
| Average equity | $53,526,750 | 1,338 |
| Average total loans | $526,503,500 | 804 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4605% | 6,746 |
| Cost of funding earning assets | 0.6500% | 2,496 |
| Net interest margin | 1.8106% | 6,814 |
| Noninterest income to average assets | 3.3304% | 221 |
| Noninterest expense to average assets | 3.8604% | 1,025 |
| Loan and lease loss provision to assets | 0.0515% | 3,960 |
| Net operating income to assets | 0.7150% | 3,737 |
| Return on assets (ROA) | 0.7140% | 3,915 |
| Pretax return on assets | 1.1454% | 2,906 |
| Return on Equity (ROE) | 8.7651% | 2,723 |
| Retained earnings to average equity (ytd only) | 8.1520% | 1,419 |
| Net charge-offs to loans | -0.0100% | 5,771 |
| Credit loss provision to net charge-offs | -571.4286% | 5,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0285% | 2,781 |
| Assets per employee ($millions) | 5.8280% | 1,329 |
| Cash dividends to net income (ytd only)* | 6.9946% | 3,370 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2616% | 6,817 |
| Loan loss allowance to noncurrent loans | 4.2784% | 6,450 |
| Noncurrent assets plus other real estate owned to assets | 5.5140% | 533 |
| Noncurrent loans to loans | 6.1140% | 448 |
| Net loans and leases to total assets | 89.7647% | 46 |
| Net loans and leases to deposits | 100.2180% | 414 |
| Net loans and leases to core deposits | 138.3386% | 141 |
| Total domestic deposits to total assets | 89.5694% | 1,280 |
| Equity capital to assets | 7.7465% | 6,339 |
| Core capital (leverage) ratio | 10.1392% | 3,307 |
| Tier 1 risk-based capital ratio | 11.2097% | 6,241 |
| Total risk-based capital ratio | 11.5623% | 6,537 |
| Memoranda: |
| Average total assets | $620,762,670 | 1,079 |
| Average earning assets | $592,632,670 | 1,041 |
| Average equity | $50,564,000 | 1,411 |
| Average total loans | $559,059,670 | 743 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7214% | 6,724 |
| Cost of funding earning assets | 0.7336% | 1,972 |
| Net interest margin | 1.9878% | 6,848 |
| Noninterest income to average assets | 4.0498% | 183 |
| Noninterest expense to average assets | 4.3250% | 612 |
| Loan and lease loss provision to assets | 0.1122% | 2,830 |
| Net operating income to assets | 0.9416% | 2,466 |
| Return on assets (ROA) | 0.9416% | 2,611 |
| Pretax return on assets | 1.5115% | 1,530 |
| Return on Equity (ROE) | 11.1548% | 1,659 |
| Retained earnings to average equity (ytd only) | 10.4283% | 998 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5170% | 3,513 |
| Assets per employee ($millions) | 5.0171% | 2,193 |
| Cash dividends to net income (ytd only)* | 6.5131% | 2,546 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3896% | 6,858 |
| Loan loss allowance to noncurrent loans | 4.9959% | 6,511 |
| Noncurrent assets plus other real estate owned to assets | 6.9458% | 409 |
| Noncurrent loans to loans | 7.7993% | 347 |
| Net loans and leases to total assets | 88.7098% | 60 |
| Net loans and leases to deposits | 98.5119% | 418 |
| Net loans and leases to core deposits | 134.9592% | 148 |
| Total domestic deposits to total assets | 90.0498% | 1,017 |
| Equity capital to assets | 8.6822% | 5,828 |
| Core capital (leverage) ratio | 8.4934% | 5,601 |
| Tier 1 risk-based capital ratio | 23.2362% | 1,120 |
| Total risk-based capital ratio | 24.1939% | 1,143 |
| Memoranda: |
| Average total assets | $534,840,500 | 1,265 |
| Average earning assets | $510,914,000 | 1,220 |
| Average equity | $45,146,500 | 1,584 |
| Average total loans | $481,916,000 | 883 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9891% | 6,780 |
| Cost of funding earning assets | 0.8410% | 2,357 |
| Net interest margin | 2.1481% | 6,889 |
| Noninterest income to average assets | 4.4191% | 166 |
| Noninterest expense to average assets | 4.8671% | 422 |
| Loan and lease loss provision to assets | 0.3197% | 2,135 |
| Net operating income to assets | 0.7882% | 3,336 |
| Return on assets (ROA) | 0.7858% | 3,597 |
| Pretax return on assets | 1.2697% | 2,526 |
| Return on Equity (ROE) | 9.1423% | 2,566 |
| Retained earnings to average equity (ytd only) | 8.3606% | 1,012 |
| Net charge-offs to loans | 0.2071% | 3,721 |
| Credit loss provision to net charge-offs | 170.4813% | 1,552 |
| Earnings coverage of net charge-offs (x) | 8.4963% | 2,400 |
| Efficiency ratio | 75.1560% | 2,885 |
| Assets per employee ($millions) | 5.2708% | 1,932 |
| Cash dividends to net income (ytd only)* | 8.5503% | 4,106 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3392% | 6,931 |
| Loan loss allowance to noncurrent loans | 4.2971% | 6,566 |
| Noncurrent assets plus other real estate owned to assets | 7.1930% | 421 |
| Noncurrent loans to loans | 7.8938% | 371 |
| Net loans and leases to total assets | 90.8123% | 31 |
| Net loans and leases to deposits | 100.3581% | 399 |
| Net loans and leases to core deposits | 128.5506% | 198 |
| Total domestic deposits to total assets | 90.4883% | 706 |
| Equity capital to assets | 8.2072% | 6,278 |
| Core capital (leverage) ratio | 8.1185% | 6,074 |
| Tier 1 risk-based capital ratio | 21.3492% | 1,388 |
| Total risk-based capital ratio | 22.1791% | 1,453 |
| Memoranda: |
| Average total assets | $498,629,800 | 1,338 |
| Average earning assets | $473,819,400 | 1,286 |
| Average equity | $42,855,800 | 1,623 |
| Average total loans | $451,369,200 | 916 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0540% | 6,873 |
| Cost of funding earning assets | 0.8519% | 2,522 |
| Net interest margin | 2.2021% | 6,990 |
| Noninterest income to average assets | 4.5105% | 164 |
| Noninterest expense to average assets | 5.0921% | 346 |
| Loan and lease loss provision to assets | 0.1187% | 4,066 |
| Net operating income to assets | 0.8627% | 3,169 |
| Return on assets (ROA) | 0.8592% | 3,420 |
| Pretax return on assets | 1.3837% | 2,287 |
| Return on Equity (ROE) | 9.8731% | 2,408 |
| Retained earnings to average equity (ytd only) | 9.0844% | 1,192 |
| Net charge-offs to loans | 0.0766% | 4,639 |
| Credit loss provision to net charge-offs | 171.5415% | 1,623 |
| Earnings coverage of net charge-offs (x) | 21.7948% | 1,384 |
| Efficiency ratio | 76.9712% | 2,527 |
| Assets per employee ($millions) | 5.3678% | 1,763 |
| Cash dividends to net income (ytd only)* | 7.9886% | 3,506 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2451% | 7,069 |
| Loan loss allowance to noncurrent loans | 3.1053% | 6,678 |
| Noncurrent assets plus other real estate owned to assets | 7.5648% | 434 |
| Noncurrent loans to loans | 7.8939% | 407 |
| Net loans and leases to total assets | 93.7869% | 14 |
| Net loans and leases to deposits | 103.7625% | 289 |
| Net loans and leases to core deposits | 126.9153% | 223 |
| Total domestic deposits to total assets | 90.3862% | 636 |
| Equity capital to assets | 8.4235% | 6,328 |
| Core capital (leverage) ratio | 8.0676% | 6,269 |
| Tier 1 risk-based capital ratio | 20.6344% | 1,611 |
| Total risk-based capital ratio | 21.2179% | 1,743 |
| Memoranda: |
| Average total assets | $487,564,750 | 1,379 |
| Average earning assets | $462,633,500 | 1,338 |
| Average equity | $42,430,750 | 1,657 |
| Average total loans | $440,539,250 | 951 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1309% | 6,917 |
| Cost of funding earning assets | 0.8766% | 2,589 |
| Net interest margin | 2.2543% | 7,026 |
| Noninterest income to average assets | 4.4010% | 158 |
| Noninterest expense to average assets | 5.0264% | 374 |
| Loan and lease loss provision to assets | 0.0978% | 4,316 |
| Net operating income to assets | 0.8800% | 2,996 |
| Return on assets (ROA) | 0.8747% | 3,280 |
| Pretax return on assets | 1.4022% | 2,186 |
| Return on Equity (ROE) | 9.9345% | 2,386 |
| Retained earnings to average equity (ytd only) | 9.1337% | 1,224 |
| Net charge-offs to loans | 0.0250% | 5,036 |
| Credit loss provision to net charge-offs | 439.6226% | 677 |
| Earnings coverage of net charge-offs (x) | 67.8113% | 578 |
| Efficiency ratio | 76.7245% | 2,631 |
| Assets per employee ($millions) | 5.1089% | 2,021 |
| Cash dividends to net income (ytd only)* | 8.0614% | 3,352 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2565% | 7,134 |
| Loan loss allowance to noncurrent loans | 3.0075% | 6,726 |
| Noncurrent assets plus other real estate owned to assets | 8.1364% | 419 |
| Noncurrent loans to loans | 8.5282% | 383 |
| Net loans and leases to total assets | 93.1287% | 15 |
| Net loans and leases to deposits | 102.7692% | 313 |
| Net loans and leases to core deposits | 121.8231% | 282 |
| Total domestic deposits to total assets | 90.6193% | 606 |
| Equity capital to assets | 8.5622% | 6,150 |
| Core capital (leverage) ratio | 7.7293% | 6,500 |
| Tier 1 risk-based capital ratio | 20.4310% | 1,598 |
| Total risk-based capital ratio | 21.0224% | 1,736 |
| Memoranda: |
| Average total assets | $476,527,330 | 1,405 |
| Average earning assets | $451,056,000 | 1,370 |
| Average equity | $41,954,670 | 1,666 |
| Average total loans | $424,210,000 | 992 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1649% | 6,969 |
| Cost of funding earning assets | 0.9042% | 2,653 |
| Net interest margin | 2.2606% | 7,075 |
| Noninterest income to average assets | 4.0073% | 170 |
| Noninterest expense to average assets | 4.9279% | 387 |
| Loan and lease loss provision to assets | 0.1361% | 3,647 |
| Net operating income to assets | 0.6726% | 4,018 |
| Return on assets (ROA) | 0.6726% | 4,232 |
| Pretax return on assets | 1.0791% | 3,401 |
| Return on Equity (ROE) | 7.5282% | 3,484 |
| Retained earnings to average equity (ytd only) | 6.7185% | 2,570 |
| Net charge-offs to loans | 0.0527% | 3,974 |
| Credit loss provision to net charge-offs | 298.1132% | 997 |
| Earnings coverage of net charge-offs (x) | 26.6226% | 1,000 |
| Efficiency ratio | 80.0084% | 2,203 |
| Assets per employee ($millions) | 4.8295% | 2,467 |
| Cash dividends to net income (ytd only)* | 10.7554% | 2,534 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2818% | 7,186 |
| Loan loss allowance to noncurrent loans | 3.2192% | 6,790 |
| Noncurrent assets plus other real estate owned to assets | 7.5818% | 527 |
| Noncurrent loans to loans | 8.7538% | 405 |
| Net loans and leases to total assets | 83.1895% | 209 |
| Net loans and leases to deposits | 91.6752% | 820 |
| Net loans and leases to core deposits | 108.5922% | 585 |
| Total domestic deposits to total assets | 90.7437% | 664 |
| Equity capital to assets | 8.7100% | 5,861 |
| Core capital (leverage) ratio | 8.4854% | 5,618 |
| Tier 1 risk-based capital ratio | 22.1174% | 1,271 |
| Total risk-based capital ratio | 22.8172% | 1,342 |
| Memoranda: |
| Average total assets | $464,453,500 | 1,439 |
| Average earning assets | $438,818,000 | 1,397 |
| Average equity | $41,497,500 | 1,676 |
| Average total loans | $402,579,500 | 1,048 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2406% | 7,108 |
| Cost of funding earning assets | 1.1670% | 2,237 |
| Net interest margin | 2.0736% | 7,207 |
| Noninterest income to average assets | 5.2807% | 116 |
| Noninterest expense to average assets | 5.8940% | 223 |
| Loan and lease loss provision to assets | 0.2840% | 3,389 |
| Net operating income to assets | 0.6450% | 3,763 |
| Return on assets (ROA) | 0.6826% | 3,760 |
| Pretax return on assets | 1.1023% | 2,824 |
| Return on Equity (ROE) | 7.0636% | 3,380 |
| Retained earnings to average equity (ytd only) | 6.7358% | 1,622 |
| Net charge-offs to loans | 0.2984% | 3,914 |
| Credit loss provision to net charge-offs | 110.7709% | 3,011 |
| Earnings coverage of net charge-offs (x) | 5.1774% | 2,878 |
| Efficiency ratio | 81.3955% | 2,101 |
| Assets per employee ($millions) | 4.3345% | 3,194 |
| Cash dividends to net income (ytd only)* | 4.6410% | 3,987 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2508% | 7,239 |
| Loan loss allowance to noncurrent loans | 4.6123% | 6,853 |
| Noncurrent assets plus other real estate owned to assets | 5.8347% | 858 |
| Noncurrent loans to loans | 5.4377% | 978 |
| Net loans and leases to total assets | 89.9028% | 42 |
| Net loans and leases to deposits | 99.9810% | 458 |
| Net loans and leases to core deposits | 105.7966% | 802 |
| Total domestic deposits to total assets | 89.9199% | 1,031 |
| Equity capital to assets | 9.1730% | 5,326 |
| Core capital (leverage) ratio | 7.9915% | 6,286 |
| Tier 1 risk-based capital ratio | 21.0228% | 1,403 |
| Total risk-based capital ratio | 21.6478% | 1,519 |
| Memoranda: |
| Average total assets | $369,323,600 | 1,762 |
| Average earning assets | $345,681,200 | 1,720 |
| Average equity | $35,689,800 | 1,897 |
| Average total loans | $317,365,400 | 1,340 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0926% | 7,234 |
| Cost of funding earning assets | 1.2013% | 2,309 |
| Net interest margin | 1.8913% | 7,323 |
| Noninterest income to average assets | 5.3938% | 120 |
| Noninterest expense to average assets | 5.7702% | 227 |
| Loan and lease loss provision to assets | 0.3741% | 2,608 |
| Net operating income to assets | 0.6282% | 3,974 |
| Return on assets (ROA) | 0.6812% | 3,881 |
| Pretax return on assets | 1.0973% | 3,028 |
| Return on Equity (ROE) | 6.9360% | 3,554 |
| Retained earnings to average equity (ytd only) | 6.8076% | 2,076 |
| Net charge-offs to loans | 0.3519% | 3,335 |
| Credit loss provision to net charge-offs | 125.6739% | 2,553 |
| Earnings coverage of net charge-offs (x) | 4.6650% | 2,991 |
| Efficiency ratio | 80.3693% | 2,203 |
| Assets per employee ($millions) | 4.0200% | 3,805 |
| Cash dividends to net income (ytd only)* | 1.8509% | 3,480 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2890% | 7,294 |
| Loan loss allowance to noncurrent loans | 14.9431% | 6,821 |
| Noncurrent assets plus other real estate owned to assets | 2.7573% | 2,360 |
| Noncurrent loans to loans | 1.9343% | 3,457 |
| Net loans and leases to total assets | 88.7522% | 59 |
| Net loans and leases to deposits | 98.5065% | 549 |
| Net loans and leases to core deposits | 126.0452% | 290 |
| Total domestic deposits to total assets | 90.0978% | 816 |
| Equity capital to assets | 9.3452% | 5,306 |
| Core capital (leverage) ratio | 9.4097% | 4,291 |
| Tier 1 risk-based capital ratio | 20.1813% | 1,645 |
| Total risk-based capital ratio | 20.8225% | 1,764 |
| Memoranda: |
| Average total assets | $348,957,250 | 1,863 |
| Average earning assets | $325,629,000 | 1,828 |
| Average equity | $34,274,500 | 1,957 |
| Average total loans | $295,134,000 | 1,455 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9696% | 7,345 |
| Cost of funding earning assets | 1.2829% | 2,048 |
| Net interest margin | 1.6866% | 7,428 |
| Noninterest income to average assets | 5.7737% | 117 |
| Noninterest expense to average assets | 6.1480% | 184 |
| Loan and lease loss provision to assets | 0.4960% | 1,985 |
| Net operating income to assets | 0.4275% | 4,825 |
| Return on assets (ROA) | 0.4810% | 4,733 |
| Pretax return on assets | 0.7799% | 4,102 |
| Return on Equity (ROE) | 4.7925% | 4,550 |
| Retained earnings to average equity (ytd only) | 4.7925% | 3,133 |
| Net charge-offs to loans | 0.4692% | 2,704 |
| Credit loss provision to net charge-offs | 128.0193% | 2,388 |
| Earnings coverage of net charge-offs (x) | 3.0773% | 3,313 |
| Efficiency ratio | 83.5019% | 1,886 |
| Assets per employee ($millions) | 2.8195% | 6,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3584% | 7,320 |
| Loan loss allowance to noncurrent loans | 25.1325% | 6,518 |
| Noncurrent assets plus other real estate owned to assets | 1.6309% | 3,738 |
| Noncurrent loans to loans | 1.4259% | 4,279 |
| Net loans and leases to total assets | 86.0731% | 136 |
| Net loans and leases to deposits | 105.8258% | 272 |
| Net loans and leases to core deposits | 112.6503% | 627 |
| Total domestic deposits to total assets | 81.3347% | 5,412 |
| Equity capital to assets | 9.2909% | 5,151 |
| Core capital (leverage) ratio | 9.2898% | 4,264 |
| Tier 1 risk-based capital ratio | 17.9554% | 2,188 |
| Total risk-based capital ratio | 18.6452% | 2,350 |
| Memoranda: |
| Average total assets | $320,557,330 | 2,018 |
| Average earning assets | $297,752,000 | 1,986 |
| Average equity | $32,175,000 | 2,053 |
| Average total loans | $264,698,330 | 1,630 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9822% | 7,400 |
| Cost of funding earning assets | 1.2598% | 2,433 |
| Net interest margin | 1.7223% | 7,470 |
| Noninterest income to average assets | 5.7384% | 120 |
| Noninterest expense to average assets | 6.5551% | 169 |
| Loan and lease loss provision to assets | 0.4136% | 2,124 |
| Net operating income to assets | 0.2263% | 5,697 |
| Return on assets (ROA) | 0.2692% | 5,600 |
| Pretax return on assets | 0.4307% | 5,244 |
| Return on Equity (ROE) | 2.5713% | 5,572 |
| Retained earnings to average equity (ytd only) | 2.5713% | 4,620 |
| Net charge-offs to loans | 0.0605% | 4,322 |
| Credit loss provision to net charge-offs | 851.3514% | 451 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,288 |
| Efficiency ratio | 89.1297% | 1,407 |
| Assets per employee ($millions) | 2.1577% | 7,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5021% | 7,277 |
| Loan loss allowance to noncurrent loans | 19.0834% | 6,795 |
| Noncurrent assets plus other real estate owned to assets | 2.6327% | 2,611 |
| Noncurrent loans to loans | 2.6311% | 2,868 |
| Net loans and leases to total assets | 81.2929% | 417 |
| Net loans and leases to deposits | 91.8632% | 1,033 |
| Net loans and leases to core deposits | 98.6079% | 1,464 |
| Total domestic deposits to total assets | 88.4935% | 2,078 |
| Equity capital to assets | 10.9981% | 2,689 |
| Core capital (leverage) ratio | 8.5707% | 5,312 |
| Tier 1 risk-based capital ratio | 20.2626% | 1,531 |
| Total risk-based capital ratio | 21.1355% | 1,577 |
| Memoranda: |
| Average total assets | $304,615,500 | 2,125 |
| Average earning assets | $281,943,500 | 2,098 |
| Average equity | $31,890,000 | 2,057 |
| Average total loans | $244,823,500 | 1,757 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6979% | 7,306 |
| Cost of funding earning assets | 1.3822% | 3,377 |
| Net interest margin | 2.3157% | 7,360 |
| Noninterest income to average assets | 6.5817% | 100 |
| Noninterest expense to average assets | 7.2922% | 141 |
| Loan and lease loss provision to assets | 0.3075% | 4,346 |
| Net operating income to assets | 0.6868% | 3,276 |
| Return on assets (ROA) | 0.7324% | 3,213 |
| Pretax return on assets | 1.1802% | 2,290 |
| Return on Equity (ROE) | 6.5659% | 3,316 |
| Retained earnings to average equity (ytd only) | 6.5659% | 1,527 |
| Net charge-offs to loans | 0.7190% | 2,858 |
| Credit loss provision to net charge-offs | 58.0645% | 6,112 |
| Earnings coverage of net charge-offs (x) | 2.6747% | 3,756 |
| Efficiency ratio | 83.5810% | 1,972 |
| Assets per employee ($millions) | 2.2233% | 7,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3644% | 7,448 |
| Loan loss allowance to noncurrent loans | 16.8442% | 6,916 |
| Noncurrent assets plus other real estate owned to assets | 2.1548% | 3,152 |
| Noncurrent loans to loans | 2.1633% | 3,354 |
| Net loans and leases to total assets | 78.8627% | 825 |
| Net loans and leases to deposits | 88.7952% | 1,676 |
| Net loans and leases to core deposits | 94.5042% | 2,201 |
| Total domestic deposits to total assets | 88.8141% | 1,763 |
| Equity capital to assets | 9.9841% | 3,759 |
| Core capital (leverage) ratio | 7.3241% | 6,829 |
| Tier 1 risk-based capital ratio | 19.1368% | 1,685 |
| Total risk-based capital ratio | 19.7733% | 1,801 |
| Memoranda: |
| Average total assets | $275,128,000 | 2,319 |
| Average earning assets | $252,708,000 | 2,321 |
| Average equity | $30,688,800 | 2,134 |
| Average total loans | $202,634,200 | 2,130 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6471% | 7,476 |
| Cost of funding earning assets | 1.3644% | 3,807 |
| Net interest margin | 2.2827% | 7,488 |
| Noninterest income to average assets | 6.5297% | 105 |
| Noninterest expense to average assets | 7.2366% | 133 |
| Loan and lease loss provision to assets | 0.2198% | 4,866 |
| Net operating income to assets | 0.7240% | 3,303 |
| Return on assets (ROA) | 0.7437% | 3,393 |
| Pretax return on assets | 1.1935% | 2,514 |
| Return on Equity (ROE) | 6.4638% | 3,594 |
| Retained earnings to average equity (ytd only) | 6.4638% | 2,110 |
| Net charge-offs to loans | 0.4468% | 3,523 |
| Credit loss provision to net charge-offs | 68.3386% | 5,465 |
| Earnings coverage of net charge-offs (x) | 4.2978% | 3,117 |
| Efficiency ratio | 83.8306% | 1,854 |
| Assets per employee ($millions) | 2.1254% | 7,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6617% | 7,264 |
| Loan loss allowance to noncurrent loans | 22.9491% | 6,758 |
| Noncurrent assets plus other real estate owned to assets | 2.2641% | 3,125 |
| Noncurrent loans to loans | 2.8832% | 2,769 |
| Net loans and leases to total assets | 62.4442% | 4,438 |
| Net loans and leases to deposits | 70.2369% | 5,115 |
| Net loans and leases to core deposits | 87.4103% | 3,462 |
| Total domestic deposits to total assets | 88.9052% | 1,447 |
| Equity capital to assets | 9.8220% | 4,386 |
| Core capital (leverage) ratio | 8.3810% | 5,734 |
| Tier 1 risk-based capital ratio | 20.6871% | 1,412 |
| Total risk-based capital ratio | 21.7087% | 1,437 |
| Memoranda: |
| Average total assets | $264,426,250 | 2,451 |
| Average earning assets | $242,047,750 | 2,444 |
| Average equity | $30,425,250 | 2,164 |
| Average total loans | $190,380,500 | 2,288 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4436% | 7,624 |
| Cost of funding earning assets | 1.3325% | 4,313 |
| Net interest margin | 2.1111% | 7,616 |
| Noninterest income to average assets | 6.4718% | 109 |
| Noninterest expense to average assets | 7.1945% | 144 |
| Loan and lease loss provision to assets | 0.0966% | 5,947 |
| Net operating income to assets | 0.6902% | 3,444 |
| Return on assets (ROA) | 0.6902% | 3,596 |
| Pretax return on assets | 1.1092% | 2,757 |
| Return on Equity (ROE) | 5.6423% | 3,969 |
| Retained earnings to average equity (ytd only) | 5.6423% | 2,531 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6162% | 1,761 |
| Assets per employee ($millions) | 1.8571% | 7,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9106% | 6,723 |
| Loan loss allowance to noncurrent loans | 15.6188% | 7,124 |
| Noncurrent assets plus other real estate owned to assets | 3.9708% | 1,747 |
| Noncurrent loans to loans | 5.8302% | 1,108 |
| Net loans and leases to total assets | 67.4878% | 3,501 |
| Net loans and leases to deposits | 80.5836% | 3,504 |
| Net loans and leases to core deposits | 90.9576% | 3,132 |
| Total domestic deposits to total assets | 83.7488% | 4,228 |
| Equity capital to assets | 11.5299% | 2,415 |
| Core capital (leverage) ratio | 11.0379% | 2,209 |
| Tier 1 risk-based capital ratio | 20.4054% | 1,451 |
| Total risk-based capital ratio | 21.6569% | 1,416 |
| Memoranda: |
| Average total assets | $246,299,670 | 2,636 |
| Average earning assets | $224,998,670 | 2,624 |
| Average equity | $30,129,330 | 2,184 |
| Average total loans | $187,040,000 | 2,342 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8067% | 7,586 |
| Cost of funding earning assets | 1.3401% | 4,559 |
| Net interest margin | 2.4667% | 7,496 |
| Noninterest income to average assets | 6.6692% | 104 |
| Noninterest expense to average assets | 7.1729% | 144 |
| Loan and lease loss provision to assets | 0.1690% | 4,839 |
| Net operating income to assets | 0.9786% | 2,268 |
| Return on assets (ROA) | 0.9786% | 2,328 |
| Pretax return on assets | 1.5735% | 1,331 |
| Return on Equity (ROE) | 7.7498% | 3,000 |
| Retained earnings to average equity (ytd only) | 7.7498% | 1,813 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4171% | 2,503 |
| Assets per employee ($millions) | 1.3974% | 7,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1444% | 5,803 |
| Loan loss allowance to noncurrent loans | 15.1034% | 7,199 |
| Noncurrent assets plus other real estate owned to assets | 5.3196% | 1,175 |
| Noncurrent loans to loans | 7.5772% | 745 |
| Net loans and leases to total assets | 69.4012% | 3,070 |
| Net loans and leases to deposits | 82.3618% | 3,223 |
| Net loans and leases to core deposits | 113.3093% | 1,073 |
| Total domestic deposits to total assets | 84.2639% | 4,010 |
| Equity capital to assets | 14.8967% | 904 |
| Core capital (leverage) ratio | 10.3840% | 2,732 |
| Tier 1 risk-based capital ratio | 26.1869% | 760 |
| Total risk-based capital ratio | 27.4426% | 750 |
| Memoranda: |
| Average total assets | $236,668,500 | 2,797 |
| Average earning assets | $215,514,000 | 2,798 |
| Average equity | $29,884,500 | 2,224 |
| Average total loans | $190,125,500 | 2,371 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5217% | 7,363 |
| Cost of funding earning assets | 1.5234% | 5,414 |
| Net interest margin | 2.9983% | 6,651 |
| Noninterest income to average assets | 4.3335% | 157 |
| Noninterest expense to average assets | 7.4970% | 170 |
| Loan and lease loss provision to assets | 1.7892% | 1,271 |
| Net operating income to assets | -1.4201% | 6,823 |
| Return on assets (ROA) | -1.3269% | 6,782 |
| Pretax return on assets | -2.1199% | 6,984 |
| Return on Equity (ROE) | -7.6978% | 6,443 |
| Retained earnings to average equity (ytd only) | -7.6978% | 6,309 |
| Net charge-offs to loans | 1.7444% | 1,435 |
| Credit loss provision to net charge-offs | 132.3591% | 3,789 |
| Earnings coverage of net charge-offs (x) | -0.3524% | 6,584 |
| Efficiency ratio | 106.7369% | 888 |
| Assets per employee ($millions) | 2.0508% | 7,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6420% | 7,491 |
| Loan loss allowance to noncurrent loans | 18.6364% | 7,121 |
| Noncurrent assets plus other real estate owned to assets | 3.0287% | 2,306 |
| Noncurrent loans to loans | 3.4450% | 2,205 |
| Net loans and leases to total assets | 87.3517% | 205 |
| Net loans and leases to deposits | 98.8880% | 1,009 |
| Net loans and leases to core deposits | 140.9914% | 775 |
| Total domestic deposits to total assets | 88.3339% | 1,802 |
| Equity capital to assets | 10.9284% | 2,754 |
| Core capital (leverage) ratio | 9.3886% | 3,843 |
| Tier 1 risk-based capital ratio | 16.1332% | 2,459 |
| Total risk-based capital ratio | 17.1557% | 2,493 |
| Memoranda: |
| Average total assets | $177,178,600 | 3,485 |
| Average earning assets | $158,791,400 | 3,540 |
| Average equity | $30,541,000 | 2,196 |
| Average total loans | $137,294,200 | 3,131 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5392% | 7,468 |
| Cost of funding earning assets | 1.6512% | 5,158 |
| Net interest margin | 2.8879% | 6,881 |
| Noninterest income to average assets | 3.9792% | 170 |
| Noninterest expense to average assets | 8.1951% | 151 |
| Loan and lease loss provision to assets | 0.8843% | 2,175 |
| Net operating income to assets | -1.5918% | 7,154 |
| Return on assets (ROA) | -1.4486% | 7,083 |
| Pretax return on assets | -2.3156% | 7,289 |
| Return on Equity (ROE) | -7.2382% | 6,683 |
| Retained earnings to average equity (ytd only) | -7.2382% | 6,535 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.2519% | 526 |
| Assets per employee ($millions) | 1.9550% | 7,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0791% | 5,845 |
| Loan loss allowance to noncurrent loans | 41.0987% | 5,592 |
| Noncurrent assets plus other real estate owned to assets | 2.1847% | 3,116 |
| Noncurrent loans to loans | 2.6257% | 2,877 |
| Net loans and leases to total assets | 82.3083% | 764 |
| Net loans and leases to deposits | 102.9597% | 852 |
| Net loans and leases to core deposits | 159.0181% | 396 |
| Total domestic deposits to total assets | 79.9423% | 5,452 |
| Equity capital to assets | 15.3413% | 920 |
| Core capital (leverage) ratio | 13.7448% | 1,157 |
| Tier 1 risk-based capital ratio | 17.3940% | 2,149 |
| Total risk-based capital ratio | 18.6087% | 2,114 |
| Memoranda: |
| Average total assets | $153,796,250 | 3,918 |
| Average earning assets | $136,380,000 | 4,000 |
| Average equity | $30,780,250 | 2,204 |
| Average total loans | $112,118,750 | 3,683 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4826% | 7,635 |
| Cost of funding earning assets | 1.6871% | 5,335 |
| Net interest margin | 2.7955% | 7,020 |
| Noninterest income to average assets | 2.8310% | 229 |
| Noninterest expense to average assets | 8.1384% | 158 |
| Loan and lease loss provision to assets | 1.2784% | 1,338 |
| Net operating income to assets | -2.5831% | 7,582 |
| Return on assets (ROA) | -2.4361% | 7,539 |
| Pretax return on assets | -3.8925% | 7,726 |
| Return on Equity (ROE) | -10.9622% | 7,108 |
| Retained earnings to average equity (ytd only) | -10.9622% | 6,966 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 153.6354% | 354 |
| Assets per employee ($millions) | 2.3360% | 7,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1664% | 5,161 |
| Loan loss allowance to noncurrent loans | 78.0894% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 1.1401% | 4,668 |
| Noncurrent loans to loans | 1.4936% | 4,259 |
| Net loans and leases to total assets | 75.4418% | 2,333 |
| Net loans and leases to deposits | 91.0989% | 2,628 |
| Net loans and leases to core deposits | 151.4638% | 615 |
| Total domestic deposits to total assets | 82.8130% | 4,324 |
| Equity capital to assets | 16.4104% | 767 |
| Core capital (leverage) ratio | 18.1203% | 501 |
| Tier 1 risk-based capital ratio | 19.5972% | 1,657 |
| Total risk-based capital ratio | 20.8476% | 1,614 |
| Memoranda: |
| Average total assets | $139,241,670 | 4,186 |
| Average earning assets | $122,697,330 | 4,303 |
| Average equity | $30,942,670 | 2,188 |
| Average total loans | $94,725,330 | 4,150 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0084% | 6,909 |
| Cost of funding earning assets | 1.9080% | 4,589 |
| Net interest margin | 3.1005% | 6,200 |
| Noninterest income to average assets | 2.1923% | 308 |
| Noninterest expense to average assets | 9.2734% | 127 |
| Loan and lease loss provision to assets | 0.3294% | 3,348 |
| Net operating income to assets | -2.9705% | 7,841 |
| Return on assets (ROA) | -2.5182% | 7,768 |
| Pretax return on assets | -4.0277% | 7,907 |
| Return on Equity (ROE) | -9.3886% | 7,322 |
| Retained earnings to average equity (ytd only) | -9.3886% | 7,046 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 190.3453% | 216 |
| Assets per employee ($millions) | 1.8866% | 7,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0162% | 6,070 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 62.6211% | 5,219 |
| Net loans and leases to deposits | 82.8115% | 4,161 |
| Net loans and leases to core deposits | 169.4805% | 356 |
| Total domestic deposits to total assets | 75.6188% | 6,585 |
| Equity capital to assets | 23.5058% | 263 |
| Core capital (leverage) ratio | 26.9931% | 191 |
| Tier 1 risk-based capital ratio | 27.5620% | 784 |
| Total risk-based capital ratio | 28.4425% | 785 |
| Memoranda: |
| Average total assets | $116,592,000 | 4,738 |
| Average earning assets | $100,630,500 | 4,896 |
| Average equity | $31,272,000 | 2,167 |
| Average total loans | $71,656,000 | 4,922 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3593% | 7,523 |
| Cost of funding earning assets | 2.4141% | 4,662 |
| Net interest margin | 2.9452% | 7,047 |
| Noninterest income to average assets | 2.3443% | 275 |
| Noninterest expense to average assets | 12.3000% | 102 |
| Loan and lease loss provision to assets | 0.9363% | 1,582 |
| Net operating income to assets | -5.1922% | 8,097 |
| Return on assets (ROA) | -5.1922% | 8,088 |
| Pretax return on assets | -8.2994% | 8,212 |
| Return on Equity (ROE) | -13.2196% | 7,507 |
| Retained earnings to average equity (ytd only) | -13.2196% | 7,350 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 249.0306% | 139 |
| Assets per employee ($millions) | 1.6310% | 8,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2599% | 4,048 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 58.3567% | 6,151 |
| Net loans and leases to deposits | 99.9780% | 1,836 |
| Net loans and leases to core deposits | 123.0904% | 2,389 |
| Total domestic deposits to total assets | 58.3695% | 8,003 |
| Equity capital to assets | 31.1522% | 165 |
| Core capital (leverage) ratio | 29.3626% | 190 |
| Tier 1 risk-based capital ratio | 32.8855% | 512 |
| Total risk-based capital ratio | 33.7850% | 514 |
| Memoranda: |
| Average total assets | $72,089,200 | 5,963 |
| Average earning assets | $63,459,200 | 6,038 |
| Average equity | $28,314,000 | 2,387 |
| Average total loans | $38,384,800 | 6,250 |
