Home > Modern Bank > Performance and Condition Ratios
Modern Bank, Performance and Condition Ratios
| 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 | 6.6821% | 294 |
| Cost of funding earning assets | 3.5434% | 70 |
| Net interest margin | 3.1387% | 3,005 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.3901% | 2,622 |
| Loan and lease loss provision to assets | 0.4400% | 217 |
| Net operating income to assets | 0.3274% | 3,988 |
| Return on assets (ROA) | 0.3274% | 3,990 |
| Pretax return on assets | 0.4666% | 3,870 |
| Return on Equity (ROE) | 3.2600% | 3,980 |
| Retained earnings to average equity (ytd only) | -0.1152% | 4,097 |
| Net charge-offs to loans | 0.5246% | 192 |
| Credit loss provision to net charge-offs | 106.1213% | 1,783 |
| Earnings coverage of net charge-offs (x) | 2.1873% | 2,713 |
| Efficiency ratio | 72.5074% | 1,615 |
| Assets per employee ($millions) | 19.3457% | 106 |
| Cash dividends to net income (ytd only)* | 103.5345% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2939% | 1,794 |
| Loan loss allowance to noncurrent loans | 61.4502% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.4898% | 257 |
| Noncurrent loans to loans | 2.1056% | 262 |
| Net loans and leases to total assets | 69.8400% | 1,830 |
| Net loans and leases to deposits | 84.7207% | 1,711 |
| Net loans and leases to core deposits | 96.0780% | 1,651 |
| Total domestic deposits to total assets | 82.4300% | 3,042 |
| Equity capital to assets | 9.0395% | 2,651 |
| Core capital (leverage) ratio | 9.3513% | 3,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2864% | 2,499 |
| Memoranda: | ||
| Average total assets | $855,626,200 | 1,125 |
| Average earning assets | $822,824,600 | 1,090 |
| Average equity | $85,930,000 | 1,074 |
| Average total loans | $675,704,800 | 992 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 214,306.0000% | 6 |
| Cost of funding earning assets | 2,554.0000% | 7 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 0.3038% | 4,117 |
| Pretax return on assets | 0.4113% | 4,048 |
| Return on Equity (ROE) | 2.9400% | 4,104 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 11.4055% | 4,574 |
| Assets per employee ($millions) | 0.5375% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 9.0000% | 4,544 |
| Equity capital to assets | 2,097.0000% | 40 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,841,000 | 4,620 |
| Average earning assets | $16,331 | 4,579 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2419% | 332 |
| Cost of funding earning assets | 3.0450% | 79 |
| Net interest margin | 3.1969% | 3,002 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.6558% | 1,769 |
| Loan and lease loss provision to assets | 0.4500% | 169 |
| Net operating income to assets | 0.1541% | 4,330 |
| Return on assets (ROA) | 0.1541% | 4,358 |
| Pretax return on assets | 0.1747% | 4,346 |
| Return on Equity (ROE) | 1.4600% | 4,334 |
| Retained earnings to average equity (ytd only) | 1.4608% | 3,833 |
| Net charge-offs to loans | 0.3231% | 258 |
| Credit loss provision to net charge-offs | 173.1092% | 1,113 |
| Earnings coverage of net charge-offs (x) | 2.3959% | 2,312 |
| Efficiency ratio | 80.8393% | 788 |
| Assets per employee ($millions) | 15.6174% | 171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 1,907 |
| Loan loss allowance to noncurrent loans | 68.1862% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 1.5783% | 221 |
| Noncurrent loans to loans | 1.9162% | 303 |
| Net loans and leases to total assets | 81.2900% | 493 |
| Net loans and leases to deposits | 108.5366% | 235 |
| Net loans and leases to core deposits | 127.5266% | 365 |
| Total domestic deposits to total assets | 74.9000% | 4,129 |
| Equity capital to assets | 10.0278% | 1,843 |
| Core capital (leverage) ratio | 10.0269% | 2,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0503% | 2,612 |
| Memoranda: | ||
| Average total assets | $815,263,000 | 1,162 |
| Average earning assets | $787,454,000 | 1,110 |
| Average equity | $85,981,667 | 1,058 |
| Average total loans | $662,889,667 | 990 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0781% | 286 |
| Cost of funding earning assets | 2.7652% | 60 |
| Net interest margin | 3.3130% | 2,845 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 2.6387% | 1,846 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 0.4532% | 3,996 |
| Return on assets (ROA) | 0.4532% | 3,946 |
| Pretax return on assets | 0.5687% | 3,890 |
| Return on Equity (ROE) | 4.1900% | 4,008 |
| Retained earnings to average equity (ytd only) | 4.1860% | 3,215 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.2128% | 984 |
| Assets per employee ($millions) | 13.7734% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 1,870 |
| Loan loss allowance to noncurrent loans | 75.1368% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 1.4646% | 231 |
| Noncurrent loans to loans | 1.7793% | 351 |
| Net loans and leases to total assets | 81.2100% | 438 |
| Net loans and leases to deposits | 109.7265% | 186 |
| Net loans and leases to core deposits | 122.6536% | 387 |
| Total domestic deposits to total assets | 74.0100% | 4,288 |
| Equity capital to assets | 10.8125% | 1,413 |
| Core capital (leverage) ratio | 10.5520% | 2,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8677% | 2,442 |
| Memoranda: | ||
| Average total assets | $793,417,000 | 1,200 |
| Average earning assets | $766,684,000 | 1,161 |
| Average equity | $85,905,500 | 1,075 |
| Average total loans | $640,590,000 | 1,028 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6380% | 573 |
| Cost of funding earning assets | 1.1538% | 83 |
| Net interest margin | 3.4842% | 1,978 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 2.5709% | 1,901 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.7293% | 3,534 |
| Return on assets (ROA) | 0.7293% | 3,478 |
| Pretax return on assets | 0.9442% | 3,232 |
| Return on Equity (ROE) | 6.4700% | 3,732 |
| Retained earnings to average equity (ytd only) | 2.7415% | 3,787 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.4169% | 1,395 |
| Assets per employee ($millions) | 12.9176% | 313 |
| Cash dividends to net income (ytd only)* | 57.6265% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3475% | 1,699 |
| Loan loss allowance to noncurrent loans | 83.4956% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 1.2772% | 286 |
| Noncurrent loans to loans | 1.6138% | 398 |
| Net loans and leases to total assets | 78.0800% | 790 |
| Net loans and leases to deposits | 101.7205% | 373 |
| Net loans and leases to core deposits | 116.6819% | 436 |
| Total domestic deposits to total assets | 76.7600% | 4,195 |
| Equity capital to assets | 10.8422% | 1,325 |
| Core capital (leverage) ratio | 10.8801% | 1,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3664% | 2,215 |
| Memoranda: | ||
| Average total assets | $761,418,400 | 1,229 |
| Average earning assets | $736,502,200 | 1,182 |
| Average equity | $85,830,000 | 1,071 |
| Average total loans | $601,822,200 | 1,031 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3266% | 685 |
| Cost of funding earning assets | 0.8154% | 146 |
| Net interest margin | 3.5112% | 1,637 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 2.5667% | 1,800 |
| Loan and lease loss provision to assets | -0.0500% | 4,490 |
| Net operating income to assets | 0.7288% | 3,483 |
| Return on assets (ROA) | 0.7288% | 3,427 |
| Pretax return on assets | 0.9626% | 3,132 |
| Return on Equity (ROE) | 6.4000% | 3,711 |
| Retained earnings to average equity (ytd only) | 2.6781% | 3,866 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.6666% | 1,312 |
| Assets per employee ($millions) | 13.3133% | 282 |
| Cash dividends to net income (ytd only)* | 58.1677% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3769% | 1,682 |
| Loan loss allowance to noncurrent loans | 72.8441% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.5049% | 224 |
| Noncurrent loans to loans | 1.8901% | 324 |
| Net loans and leases to total assets | 78.5200% | 663 |
| Net loans and leases to deposits | 105.4006% | 199 |
| Net loans and leases to core deposits | 108.9190% | 502 |
| Total domestic deposits to total assets | 74.5000% | 4,440 |
| Equity capital to assets | 11.7569% | 931 |
| Core capital (leverage) ratio | 11.7750% | 1,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6234% | 1,834 |
| Memoranda: | ||
| Average total assets | $754,779,500 | 1,245 |
| Average earning assets | $730,249,000 | 1,198 |
| Average equity | $85,929,000 | 1,084 |
| Average total loans | $596,373,000 | 1,040 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0329% | 892 |
| Cost of funding earning assets | 0.6999% | 160 |
| Net interest margin | 3.3330% | 1,808 |
| Noninterest income to average assets | 0.4860% | 2,277 |
| Noninterest expense to average assets | 2.6106% | 1,606 |
| Loan and lease loss provision to assets | 0.0955% | 1,040 |
| Net operating income to assets | 0.8313% | 2,845 |
| Return on assets (ROA) | 0.8313% | 2,822 |
| Pretax return on assets | 1.0045% | 2,715 |
| Return on Equity (ROE) | 7.3775% | 3,192 |
| Retained earnings to average equity (ytd only) | 3.6737% | 3,212 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3550% | 1,907 |
| Assets per employee ($millions) | 14.6736% | 212 |
| Cash dividends to net income (ytd only)* | 50.2040% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4532% | 1,547 |
| Loan loss allowance to noncurrent loans | 64.4873% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.7970% | 176 |
| Noncurrent loans to loans | 2.2534% | 277 |
| Net loans and leases to total assets | 78.5847% | 513 |
| Net loans and leases to deposits | 105.2966% | 143 |
| Net loans and leases to core deposits | 108.3731% | 384 |
| Total domestic deposits to total assets | 74.6318% | 4,514 |
| Equity capital to assets | 11.6618% | 977 |
| Core capital (leverage) ratio | 11.3854% | 1,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6965% | 1,804 |
| Memoranda: | ||
| Average total assets | $766,734,000 | 1,230 |
| Average earning assets | $741,793,000 | 1,196 |
| Average equity | $86,398,000 | 1,092 |
| Average total loans | $604,367,000 | 1,016 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8499% | 999 |
| Cost of funding earning assets | 0.6850% | 162 |
| Net interest margin | 3.1650% | 1,981 |
| Noninterest income to average assets | 0.5949% | 1,711 |
| Noninterest expense to average assets | 2.4625% | 1,978 |
| Loan and lease loss provision to assets | 0.2793% | 220 |
| Net operating income to assets | 0.8074% | 2,638 |
| Return on assets (ROA) | 0.8074% | 2,629 |
| Pretax return on assets | 0.9136% | 2,722 |
| Return on Equity (ROE) | 7.2843% | 2,946 |
| Retained earnings to average equity (ytd only) | 7.2843% | 1,799 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3652% | 2,584 |
| Assets per employee ($millions) | 15.0791% | 202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4106% | 1,868 |
| Loan loss allowance to noncurrent loans | 62.4631% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 1.7728% | 178 |
| Noncurrent loans to loans | 2.2583% | 292 |
| Net loans and leases to total assets | 77.3970% | 424 |
| Net loans and leases to deposits | 101.1796% | 153 |
| Net loans and leases to core deposits | 104.0491% | 396 |
| Total domestic deposits to total assets | 76.4947% | 4,484 |
| Equity capital to assets | 11.0511% | 1,306 |
| Core capital (leverage) ratio | 11.1364% | 1,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2142% | 2,114 |
| Memoranda: | ||
| Average total assets | $783,262,000 | 1,210 |
| Average earning assets | $757,413,000 | 1,182 |
| Average equity | $86,817,000 | 1,117 |
| Average total loans | $614,020,000 | 1,002 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7337% | 2,024 |
| Cost of funding earning assets | 0.8133% | 190 |
| Net interest margin | 2.9204% | 3,395 |
| Noninterest income to average assets | 0.3168% | 3,513 |
| Noninterest expense to average assets | 2.1139% | 3,356 |
| Loan and lease loss provision to assets | -0.1448% | 4,620 |
| Net operating income to assets | 0.9232% | 2,963 |
| Return on assets (ROA) | 0.9232% | 3,027 |
| Pretax return on assets | 1.1787% | 2,737 |
| Return on Equity (ROE) | 8.8741% | 2,966 |
| Retained earnings to average equity (ytd only) | 5.1258% | 2,735 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1545% | 2,103 |
| Assets per employee ($millions) | 16.3002% | 166 |
| Cash dividends to net income (ytd only)* | 42.2386% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3284% | 2,242 |
| Loan loss allowance to noncurrent loans | 85.7414% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 1.2128% | 405 |
| Noncurrent loans to loans | 1.5493% | 574 |
| Net loans and leases to total assets | 77.2409% | 432 |
| Net loans and leases to deposits | 105.1415% | 117 |
| Net loans and leases to core deposits | 108.8256% | 306 |
| Total domestic deposits to total assets | 73.4637% | 4,602 |
| Equity capital to assets | 11.1170% | 1,724 |
| Core capital (leverage) ratio | 11.1969% | 1,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2858% | 2,132 |
| Memoranda: | ||
| Average total assets | $820,582,800 | 1,134 |
| Average earning assets | $795,440,200 | 1,096 |
| Average equity | $85,372,000 | 1,145 |
| Average total loans | $668,526,800 | 914 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7245% | 2,209 |
| Cost of funding earning assets | 0.8329% | 210 |
| Net interest margin | 2.8915% | 3,573 |
| Noninterest income to average assets | 0.3419% | 3,403 |
| Noninterest expense to average assets | 2.0396% | 3,555 |
| Loan and lease loss provision to assets | -0.0813% | 4,557 |
| Net operating income to assets | 0.9157% | 3,198 |
| Return on assets (ROA) | 0.9157% | 3,266 |
| Pretax return on assets | 1.1905% | 2,963 |
| Return on Equity (ROE) | 8.9457% | 3,120 |
| Retained earnings to average equity (ytd only) | 5.4936% | 3,046 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7743% | 2,279 |
| Assets per employee ($millions) | 15.7961% | 178 |
| Cash dividends to net income (ytd only)* | 38.5897% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3417% | 2,267 |
| Loan loss allowance to noncurrent loans | 210.8560% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.5295% | 1,445 |
| Noncurrent loans to loans | 0.6363% | 1,717 |
| Net loans and leases to total assets | 82.0947% | 182 |
| Net loans and leases to deposits | 115.1185% | 63 |
| Net loans and leases to core deposits | 119.0176% | 191 |
| Total domestic deposits to total assets | 71.3132% | 4,703 |
| Equity capital to assets | 10.9483% | 2,058 |
| Core capital (leverage) ratio | 11.2336% | 1,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8897% | 2,399 |
| Memoranda: | ||
| Average total assets | $830,125,750 | 1,128 |
| Average earning assets | $805,823,000 | 1,089 |
| Average equity | $84,969,750 | 1,167 |
| Average total loans | $682,539,250 | 915 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6497% | 2,471 |
| Cost of funding earning assets | 0.8527% | 229 |
| Net interest margin | 2.7970% | 3,794 |
| Noninterest income to average assets | 0.1596% | 4,399 |
| Noninterest expense to average assets | 1.9204% | 3,919 |
| Loan and lease loss provision to assets | -0.1088% | 4,640 |
| Net operating income to assets | 0.8172% | 3,455 |
| Return on assets (ROA) | 0.8172% | 3,527 |
| Pretax return on assets | 1.0629% | 3,307 |
| Return on Equity (ROE) | 8.1615% | 3,364 |
| Retained earnings to average equity (ytd only) | 7.6880% | 2,198 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8096% | 2,041 |
| Assets per employee ($millions) | 17.1694% | 145 |
| Cash dividends to net income (ytd only)* | 5.8021% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 2,251 |
| Loan loss allowance to noncurrent loans | 211.9799% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.5182% | 1,608 |
| Noncurrent loans to loans | 0.6315% | 1,833 |
| Net loans and leases to total assets | 80.9663% | 264 |
| Net loans and leases to deposits | 113.4002% | 80 |
| Net loans and leases to core deposits | 117.7912% | 243 |
| Total domestic deposits to total assets | 71.3987% | 4,726 |
| Equity capital to assets | 10.6857% | 2,237 |
| Core capital (leverage) ratio | 11.0728% | 1,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1003% | 2,328 |
| Memoranda: | ||
| Average total assets | $843,565,667 | 1,104 |
| Average earning assets | $818,809,333 | 1,067 |
| Average equity | $84,469,667 | 1,168 |
| Average total loans | $690,983,333 | 912 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5284% | 2,835 |
| Cost of funding earning assets | 0.8804% | 247 |
| Net interest margin | 2.6480% | 4,062 |
| Noninterest income to average assets | 0.0910% | 4,723 |
| Noninterest expense to average assets | 1.8170% | 4,181 |
| Loan and lease loss provision to assets | -0.1926% | 4,806 |
| Net operating income to assets | 0.8043% | 3,410 |
| Return on assets (ROA) | 0.8043% | 3,480 |
| Pretax return on assets | 1.0350% | 3,275 |
| Return on Equity (ROE) | 8.2929% | 3,243 |
| Retained earnings to average equity (ytd only) | 7.3358% | 2,468 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3246% | 1,890 |
| Assets per employee ($millions) | 19.4334% | 103 |
| Cash dividends to net income (ytd only)* | 11.5407% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2723% | 2,568 |
| Loan loss allowance to noncurrent loans | 212.1696% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.4802% | 1,954 |
| Noncurrent loans to loans | 0.5997% | 2,070 |
| Net loans and leases to total assets | 79.0500% | 396 |
| Net loans and leases to deposits | 110.6249% | 129 |
| Net loans and leases to core deposits | 115.9566% | 290 |
| Total domestic deposits to total assets | 71.4577% | 4,732 |
| Equity capital to assets | 9.6553% | 3,046 |
| Core capital (leverage) ratio | 10.5257% | 2,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7904% | 2,378 |
| Memoranda: | ||
| Average total assets | $861,866,500 | 1,084 |
| Average earning assets | $835,967,000 | 1,039 |
| Average equity | $83,589,500 | 1,164 |
| Average total loans | $705,358,000 | 895 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6489% | 3,700 |
| Cost of funding earning assets | 1.5394% | 69 |
| Net interest margin | 2.1095% | 4,799 |
| Noninterest income to average assets | 0.2765% | 3,821 |
| Noninterest expense to average assets | 1.6514% | 4,667 |
| Loan and lease loss provision to assets | 0.3313% | 1,081 |
| Net operating income to assets | 0.2912% | 4,446 |
| Return on assets (ROA) | 0.3126% | 4,487 |
| Pretax return on assets | 0.3613% | 4,467 |
| Return on Equity (ROE) | 3.1744% | 4,334 |
| Retained earnings to average equity (ytd only) | -0.2142% | 4,551 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1981% | 1,782 |
| Assets per employee ($millions) | 19.3006% | 102 |
| Cash dividends to net income (ytd only)* | 106.7480% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 2,356 |
| Loan loss allowance to noncurrent loans | 218.5654% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.5023% | 2,062 |
| Noncurrent loans to loans | 0.6004% | 2,191 |
| Net loans and leases to total assets | 82.5676% | 256 |
| Net loans and leases to deposits | 122.8022% | 62 |
| Net loans and leases to core deposits | 130.3758% | 198 |
| Total domestic deposits to total assets | 67.2362% | 4,833 |
| Equity capital to assets | 9.7433% | 3,373 |
| Core capital (leverage) ratio | 10.0219% | 2,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1966% | 2,551 |
| Memoranda: | ||
| Average total assets | $839,179,200 | 1,016 |
| Average earning assets | $812,715,400 | 990 |
| Average equity | $82,629,600 | 1,123 |
| Average total loans | $684,527,400 | 882 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6308% | 3,948 |
| Cost of funding earning assets | 1.6566% | 54 |
| Net interest margin | 1.9742% | 4,892 |
| Noninterest income to average assets | 0.2765% | 3,824 |
| Noninterest expense to average assets | 1.6235% | 4,712 |
| Loan and lease loss provision to assets | 0.4455% | 734 |
| Net operating income to assets | 0.1174% | 4,686 |
| Return on assets (ROA) | 0.1503% | 4,682 |
| Pretax return on assets | 0.1509% | 4,693 |
| Return on Equity (ROE) | 1.5221% | 4,616 |
| Retained earnings to average equity (ytd only) | -2.9975% | 4,776 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2349% | 1,384 |
| Assets per employee ($millions) | 20.1377% | 86 |
| Cash dividends to net income (ytd only)* | 296.9247% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 2,350 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 82.6030% | 391 |
| Net loans and leases to deposits | 128.0511% | 65 |
| Net loans and leases to core deposits | 136.5729% | 181 |
| Total domestic deposits to total assets | 64.5078% | 4,881 |
| Equity capital to assets | 9.1426% | 4,003 |
| Core capital (leverage) ratio | 9.6537% | 3,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3471% | 2,827 |
| Memoranda: | ||
| Average total assets | $836,667,000 | 1,008 |
| Average earning assets | $809,674,750 | 983 |
| Average equity | $82,601,250 | 1,117 |
| Average total loans | $678,031,500 | 887 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8221% | 3,802 |
| Cost of funding earning assets | 1.7940% | 48 |
| Net interest margin | 2.0281% | 4,941 |
| Noninterest income to average assets | 0.3704% | 3,256 |
| Noninterest expense to average assets | 1.6250% | 4,755 |
| Loan and lease loss provision to assets | 0.3831% | 1,077 |
| Net operating income to assets | 0.2222% | 4,543 |
| Return on assets (ROA) | 0.2619% | 4,522 |
| Pretax return on assets | 0.3758% | 4,441 |
| Return on Equity (ROE) | 2.5838% | 4,432 |
| Retained earnings to average equity (ytd only) | -1.7466% | 4,561 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6343% | 2,003 |
| Assets per employee ($millions) | 21.7584% | 70 |
| Cash dividends to net income (ytd only)* | 167.5978% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1169% | 2,952 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 82.5471% | 367 |
| Net loans and leases to deposits | 122.8704% | 80 |
| Net loans and leases to core deposits | 134.8220% | 210 |
| Total domestic deposits to total assets | 67.1822% | 4,859 |
| Equity capital to assets | 9.4430% | 3,711 |
| Core capital (leverage) ratio | 9.2618% | 3,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7567% | 2,711 |
| Memoranda: | ||
| Average total assets | $820,202,667 | 1,007 |
| Average earning assets | $793,964,000 | 976 |
| Average equity | $83,132,000 | 1,103 |
| Average total loans | $656,958,333 | 901 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9533% | 3,916 |
| Cost of funding earning assets | 1.9433% | 44 |
| Net interest margin | 2.0099% | 5,010 |
| Noninterest income to average assets | 0.2606% | 3,984 |
| Noninterest expense to average assets | 1.4050% | 4,961 |
| Loan and lease loss provision to assets | 0.4648% | 639 |
| Net operating income to assets | 0.2074% | 4,513 |
| Return on assets (ROA) | 0.2893% | 4,390 |
| Pretax return on assets | 0.4372% | 4,226 |
| Return on Equity (ROE) | 2.7510% | 4,279 |
| Retained earnings to average equity (ytd only) | -5.8609% | 4,578 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7671% | 3,270 |
| Assets per employee ($millions) | 19.9610% | 63 |
| Cash dividends to net income (ytd only)* | 313.0435% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1812% | 2,768 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 78.2473% | 941 |
| Net loans and leases to deposits | 106.0834% | 294 |
| Net loans and leases to core deposits | 122.2922% | 407 |
| Total domestic deposits to total assets | 73.7602% | 4,677 |
| Equity capital to assets | 10.2153% | 3,591 |
| Core capital (leverage) ratio | 9.6650% | 3,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4461% | 2,950 |
| Memoranda: | ||
| Average total assets | $795,136,000 | 1,010 |
| Average earning assets | $768,581,500 | 971 |
| Average equity | $83,605,000 | 1,102 |
| Average total loans | $622,161,500 | 915 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2585% | 3,652 |
| Cost of funding earning assets | 2.1203% | 34 |
| Net interest margin | 2.1382% | 5,070 |
| Noninterest income to average assets | 0.1552% | 4,715 |
| Noninterest expense to average assets | 1.7515% | 4,826 |
| Loan and lease loss provision to assets | 0.0923% | 2,187 |
| Net operating income to assets | 0.3715% | 4,648 |
| Return on assets (ROA) | 0.3858% | 4,649 |
| Pretax return on assets | 0.3853% | 4,737 |
| Return on Equity (ROE) | 3.5620% | 4,564 |
| Retained earnings to average equity (ytd only) | 0.4801% | 4,550 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0807% | 1,024 |
| Assets per employee ($millions) | 21.4009% | 52 |
| Cash dividends to net income (ytd only)* | 86.5225% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 3,112 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 76.4749% | 1,327 |
| Net loans and leases to deposits | 103.8460% | 380 |
| Net loans and leases to core deposits | 117.5553% | 549 |
| Total domestic deposits to total assets | 73.6426% | 4,788 |
| Equity capital to assets | 10.8163% | 3,168 |
| Core capital (leverage) ratio | 10.1520% | 3,353 |
| Tier 1 risk-based capital ratio | 12.1176% | 4,292 |
| Total risk-based capital ratio | 13.1194% | 4,308 |
| Memoranda: | ||
| Average total assets | $778,925,600 | 996 |
| Average earning assets | $750,314,800 | 961 |
| Average equity | $84,363,600 | 1,042 |
| Average total loans | $583,608,800 | 930 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2873% | 3,694 |
| Cost of funding earning assets | 2.1375% | 35 |
| Net interest margin | 2.1498% | 5,158 |
| Noninterest income to average assets | 0.1600% | 4,743 |
| Noninterest expense to average assets | 1.7702% | 4,855 |
| Loan and lease loss provision to assets | 0.0727% | 2,430 |
| Net operating income to assets | 0.2739% | 4,869 |
| Return on assets (ROA) | 0.2889% | 4,873 |
| Pretax return on assets | 0.4055% | 4,808 |
| Return on Equity (ROE) | 2.6668% | 4,817 |
| Retained earnings to average equity (ytd only) | -1.4579% | 4,894 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4063% | 973 |
| Assets per employee ($millions) | 20.5969% | 56 |
| Cash dividends to net income (ytd only)* | 154.6697% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 3,193 |
| 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 | 74.0641% | 1,810 |
| Net loans and leases to deposits | 100.2189% | 615 |
| Net loans and leases to core deposits | 115.8396% | 664 |
| Total domestic deposits to total assets | 73.9023% | 4,821 |
| Equity capital to assets | 10.7645% | 3,321 |
| Core capital (leverage) ratio | 10.1589% | 3,465 |
| Tier 1 risk-based capital ratio | 12.4147% | 4,195 |
| Total risk-based capital ratio | 13.4130% | 4,218 |
| Memoranda: | ||
| Average total assets | $775,699,000 | 998 |
| Average earning assets | $746,658,000 | 964 |
| Average equity | $84,042,750 | 1,041 |
| Average total loans | $576,486,750 | 939 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2787% | 3,698 |
| Cost of funding earning assets | 2.1070% | 35 |
| Net interest margin | 2.1717% | 5,215 |
| Noninterest income to average assets | 0.2216% | 4,415 |
| Noninterest expense to average assets | 1.8436% | 4,824 |
| Loan and lease loss provision to assets | 0.1140% | 1,645 |
| Net operating income to assets | 0.3094% | 4,865 |
| Return on assets (ROA) | 0.3344% | 4,839 |
| Pretax return on assets | 0.3843% | 4,848 |
| Return on Equity (ROE) | 3.0796% | 4,781 |
| Retained earnings to average equity (ytd only) | -0.7312% | 4,794 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6982% | 991 |
| Assets per employee ($millions) | 20.9731% | 54 |
| Cash dividends to net income (ytd only)* | 123.7432% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0650% | 3,264 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 75.0123% | 1,721 |
| Net loans and leases to deposits | 101.0127% | 607 |
| Net loans and leases to core deposits | 116.1700% | 680 |
| Total domestic deposits to total assets | 74.2602% | 4,815 |
| Equity capital to assets | 10.9117% | 3,165 |
| Core capital (leverage) ratio | 10.1675% | 3,420 |
| Tier 1 risk-based capital ratio | 12.4030% | 4,182 |
| Total risk-based capital ratio | 13.3981% | 4,224 |
| Memoranda: | ||
| Average total assets | $773,371,000 | 1,001 |
| Average earning assets | $744,861,000 | 968 |
| Average equity | $83,973,000 | 1,035 |
| Average total loans | $573,337,330 | 946 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1714% | 3,954 |
| Cost of funding earning assets | 2.0537% | 44 |
| Net interest margin | 2.1178% | 5,299 |
| Noninterest income to average assets | 0.0585% | 5,186 |
| Noninterest expense to average assets | 1.7429% | 4,976 |
| Loan and lease loss provision to assets | 0.1129% | 1,575 |
| Net operating income to assets | 0.1706% | 5,033 |
| Return on assets (ROA) | 0.2160% | 5,006 |
| Pretax return on assets | 0.2979% | 4,962 |
| Return on Equity (ROE) | 1.9947% | 4,964 |
| Retained earnings to average equity (ytd only) | -5.6588% | 4,957 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1438% | 778 |
| Assets per employee ($millions) | 20.9343% | 48 |
| Cash dividends to net income (ytd only)* | 383.6930% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0730% | 3,273 |
| Loan loss allowance to noncurrent loans | 372.7946% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.2093% | 3,778 |
| Noncurrent loans to loans | 0.2878% | 3,529 |
| Net loans and leases to total assets | 71.9274% | 2,176 |
| Net loans and leases to deposits | 99.0673% | 692 |
| Net loans and leases to core deposits | 122.1850% | 475 |
| Total domestic deposits to total assets | 72.6045% | 5,016 |
| Equity capital to assets | 10.7443% | 3,111 |
| Core capital (leverage) ratio | 10.0708% | 3,524 |
| Tier 1 risk-based capital ratio | 12.6621% | 4,060 |
| Total risk-based capital ratio | 13.6644% | 4,087 |
| Memoranda: | ||
| Average total assets | $772,054,000 | 1,005 |
| Average earning assets | $742,861,000 | 971 |
| Average equity | $83,622,000 | 1,031 |
| Average total loans | $565,823,500 | 957 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0274% | 3,951 |
| Cost of funding earning assets | 1.5344% | 76 |
| Net interest margin | 2.4930% | 5,218 |
| Noninterest income to average assets | 0.2003% | 4,707 |
| Noninterest expense to average assets | 1.8381% | 4,966 |
| Loan and lease loss provision to assets | 0.2530% | 675 |
| Net operating income to assets | 0.5082% | 4,646 |
| Return on assets (ROA) | 0.5082% | 4,647 |
| Pretax return on assets | 0.5110% | 4,781 |
| Return on Equity (ROE) | 4.9626% | 4,459 |
| Retained earnings to average equity (ytd only) | 0.1228% | 4,950 |
| Net charge-offs to loans | 0.5123% | 343 |
| Credit loss provision to net charge-offs | 66.7198% | 3,030 |
| Earnings coverage of net charge-offs (x) | 2.0147% | 3,563 |
| Efficiency ratio | 69.6646% | 2,251 |
| Assets per employee ($millions) | 21.9868% | 44 |
| Cash dividends to net income (ytd only)* | 97.5262% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0247% | 3,529 |
| Loan loss allowance to noncurrent loans | 270.1763% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.2802% | 3,463 |
| Noncurrent loans to loans | 0.3793% | 3,173 |
| Net loans and leases to total assets | 73.1155% | 2,077 |
| Net loans and leases to deposits | 105.4457% | 393 |
| Net loans and leases to core deposits | 144.4386% | 165 |
| Total domestic deposits to total assets | 69.3394% | 5,175 |
| Equity capital to assets | 10.9185% | 2,771 |
| Core capital (leverage) ratio | 9.0844% | 4,572 |
| Tier 1 risk-based capital ratio | 12.5736% | 4,089 |
| Total risk-based capital ratio | 13.5344% | 4,134 |
| Memoranda: | ||
| Average total assets | $827,278,200 | 928 |
| Average earning assets | $796,988,400 | 883 |
| Average equity | $84,713,800 | 984 |
| Average total loans | $612,332,800 | 876 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8554% | 4,310 |
| Cost of funding earning assets | 1.3659% | 117 |
| Net interest margin | 2.4895% | 5,286 |
| Noninterest income to average assets | 0.1449% | 5,054 |
| Noninterest expense to average assets | 1.8468% | 4,985 |
| Loan and lease loss provision to assets | 0.1370% | 1,463 |
| Net operating income to assets | 0.5067% | 4,748 |
| Return on assets (ROA) | 0.5067% | 4,753 |
| Pretax return on assets | 0.5607% | 4,799 |
| Return on Equity (ROE) | 5.0246% | 4,551 |
| Retained earnings to average equity (ytd only) | -1.4152% | 5,157 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2049% | 1,851 |
| Assets per employee ($millions) | 20.1135% | 52 |
| Cash dividends to net income (ytd only)* | 128.1650% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1868% | 2,699 |
| Loan loss allowance to noncurrent loans | 140.0072% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.6387% | 2,275 |
| Noncurrent loans to loans | 0.8477% | 2,010 |
| Net loans and leases to total assets | 74.4533% | 1,911 |
| Net loans and leases to deposits | 100.3134% | 758 |
| Net loans and leases to core deposits | 118.8468% | 610 |
| Total domestic deposits to total assets | 74.2207% | 4,956 |
| Equity capital to assets | 9.5107% | 4,073 |
| Core capital (leverage) ratio | 8.9434% | 4,755 |
| Tier 1 risk-based capital ratio | 10.8037% | 5,130 |
| Total risk-based capital ratio | 11.9163% | 5,096 |
| Memoranda: | ||
| Average total assets | $841,713,000 | 900 |
| Average earning assets | $811,346,250 | 864 |
| Average equity | $84,886,750 | 983 |
| Average total loans | $623,296,750 | 865 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7654% | 4,437 |
| Cost of funding earning assets | 1.2893% | 122 |
| Net interest margin | 2.4761% | 5,356 |
| Noninterest income to average assets | 0.2288% | 4,651 |
| Noninterest expense to average assets | 1.9036% | 4,953 |
| Loan and lease loss provision to assets | 0.0079% | 3,683 |
| Net operating income to assets | 0.6151% | 4,446 |
| Return on assets (ROA) | 0.6151% | 4,453 |
| Pretax return on assets | 0.7024% | 4,506 |
| Return on Equity (ROE) | 5.9816% | 4,250 |
| Retained earnings to average equity (ytd only) | 5.2820% | 2,941 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4587% | 1,926 |
| Assets per employee ($millions) | 18.0588% | 57 |
| Cash dividends to net income (ytd only)* | 11.6959% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 3,128 |
| Loan loss allowance to noncurrent loans | 120.6643% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.6886% | 2,172 |
| Noncurrent loans to loans | 0.9312% | 1,863 |
| Net loans and leases to total assets | 73.1122% | 2,098 |
| Net loans and leases to deposits | 102.4346% | 631 |
| Net loans and leases to core deposits | 123.2824% | 481 |
| Total domestic deposits to total assets | 71.3745% | 5,218 |
| Equity capital to assets | 10.2927% | 3,345 |
| Core capital (leverage) ratio | 9.5905% | 4,007 |
| Tier 1 risk-based capital ratio | 11.8425% | 4,594 |
| Total risk-based capital ratio | 12.8871% | 4,599 |
| Memoranda: | ||
| Average total assets | $833,990,670 | 907 |
| Average earning assets | $803,364,000 | 875 |
| Average equity | $85,763,670 | 973 |
| Average total loans | $613,840,330 | 876 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6607% | 4,569 |
| Cost of funding earning assets | 1.2202% | 127 |
| Net interest margin | 2.4405% | 5,428 |
| Noninterest income to average assets | 0.1948% | 4,850 |
| Noninterest expense to average assets | 1.8209% | 5,129 |
| Loan and lease loss provision to assets | -0.0057% | 5,400 |
| Net operating income to assets | 0.8291% | 3,595 |
| Return on assets (ROA) | 0.8291% | 3,605 |
| Pretax return on assets | 0.7300% | 4,356 |
| Return on Equity (ROE) | 8.0657% | 3,340 |
| Retained earnings to average equity (ytd only) | 8.0657% | 1,810 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1680% | 2,315 |
| Assets per employee ($millions) | 17.0514% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1109% | 3,310 |
| Loan loss allowance to noncurrent loans | 116.8342% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 0.7024% | 2,219 |
| Noncurrent loans to loans | 0.9508% | 1,920 |
| Net loans and leases to total assets | 73.0574% | 2,017 |
| Net loans and leases to deposits | 101.8178% | 592 |
| Net loans and leases to core deposits | 122.9879% | 500 |
| Total domestic deposits to total assets | 71.7531% | 5,298 |
| Equity capital to assets | 10.1731% | 3,424 |
| Core capital (leverage) ratio | 9.3673% | 4,232 |
| Tier 1 risk-based capital ratio | 11.6367% | 4,781 |
| Total risk-based capital ratio | 12.6752% | 4,803 |
| Memoranda: | ||
| Average total assets | $835,634,000 | 917 |
| Average earning assets | $804,755,000 | 880 |
| Average equity | $85,894,500 | 975 |
| Average total loans | $613,636,500 | 878 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3444% | 5,020 |
| Cost of funding earning assets | 0.9249% | 330 |
| Net interest margin | 2.4195% | 5,452 |
| Noninterest income to average assets | 0.1527% | 5,195 |
| Noninterest expense to average assets | 1.8352% | 5,212 |
| Loan and lease loss provision to assets | 0.0033% | 4,181 |
| Net operating income to assets | 0.1556% | 5,188 |
| Return on assets (ROA) | 0.1556% | 5,192 |
| Pretax return on assets | 0.6364% | 4,662 |
| Return on Equity (ROE) | 1.4610% | 5,160 |
| Retained earnings to average equity (ytd only) | -0.2605% | 5,072 |
| Net charge-offs to loans | -0.0717% | 5,287 |
| Credit loss provision to net charge-offs | -6.6176% | 4,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6936% | 1,944 |
| Assets per employee ($millions) | 17.0561% | 63 |
| Cash dividends to net income (ytd only)* | 117.8319% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1261% | 3,211 |
| Loan loss allowance to noncurrent loans | 117.9025% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.6971% | 2,228 |
| Noncurrent loans to loans | 0.9551% | 1,854 |
| Net loans and leases to total assets | 72.1674% | 2,206 |
| Net loans and leases to deposits | 100.4954% | 693 |
| Net loans and leases to core deposits | 121.4821% | 538 |
| Total domestic deposits to total assets | 71.8117% | 5,330 |
| Equity capital to assets | 10.3848% | 3,285 |
| Core capital (leverage) ratio | 9.2922% | 4,305 |
| Tier 1 risk-based capital ratio | 11.7782% | 4,674 |
| Total risk-based capital ratio | 12.8325% | 4,691 |
| Memoranda: | ||
| Average total assets | $818,037,800 | 913 |
| Average earning assets | $785,167,600 | 879 |
| Average equity | $87,134,000 | 935 |
| Average total loans | $569,264,200 | 908 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2623% | 5,156 |
| Cost of funding earning assets | 0.8157% | 523 |
| Net interest margin | 2.4467% | 5,504 |
| Noninterest income to average assets | 0.1640% | 5,197 |
| Noninterest expense to average assets | 1.8673% | 5,177 |
| Loan and lease loss provision to assets | -0.0044% | 5,444 |
| Net operating income to assets | 0.4621% | 4,845 |
| Return on assets (ROA) | 0.4621% | 4,875 |
| Pretax return on assets | 0.6473% | 4,736 |
| Return on Equity (ROE) | 4.3108% | 4,768 |
| Retained earnings to average equity (ytd only) | 2.0178% | 4,631 |
| Net charge-offs to loans | -0.0973% | 5,371 |
| Credit loss provision to net charge-offs | 6.6176% | 3,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9326% | 1,902 |
| Assets per employee ($millions) | 18.1204% | 59 |
| Cash dividends to net income (ytd only)* | 53.1914% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 3,243 |
| Loan loss allowance to noncurrent loans | 117.2574% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.6682% | 2,500 |
| Noncurrent loans to loans | 0.9739% | 1,977 |
| Net loans and leases to total assets | 67.8305% | 2,864 |
| Net loans and leases to deposits | 97.6988% | 951 |
| Net loans and leases to core deposits | 117.4470% | 686 |
| Total domestic deposits to total assets | 69.4281% | 5,494 |
| Equity capital to assets | 10.1880% | 3,702 |
| Core capital (leverage) ratio | 9.5988% | 4,037 |
| Tier 1 risk-based capital ratio | 12.0267% | 4,597 |
| Total risk-based capital ratio | 13.0741% | 4,620 |
| Memoranda: | ||
| Average total assets | $813,610,500 | 920 |
| Average earning assets | $780,196,250 | 889 |
| Average equity | $87,219,750 | 933 |
| Average total loans | $559,078,750 | 923 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2007% | 5,240 |
| Cost of funding earning assets | 0.7626% | 645 |
| Net interest margin | 2.4381% | 5,544 |
| Noninterest income to average assets | 0.1497% | 5,314 |
| Noninterest expense to average assets | 1.9301% | 5,125 |
| Loan and lease loss provision to assets | -0.0694% | 5,619 |
| Net operating income to assets | 0.3613% | 5,066 |
| Return on assets (ROA) | 0.3613% | 5,089 |
| Pretax return on assets | 0.6308% | 4,738 |
| Return on Equity (ROE) | 3.3105% | 5,035 |
| Retained earnings to average equity (ytd only) | -0.1475% | 5,095 |
| Net charge-offs to loans | -0.1372% | 5,503 |
| Credit loss provision to net charge-offs | 73.6000% | 2,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9945% | 1,584 |
| Assets per employee ($millions) | 16.9911% | 65 |
| Cash dividends to net income (ytd only)* | 104.4568% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1529% | 3,300 |
| Loan loss allowance to noncurrent loans | 64.8501% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 1.2352% | 1,372 |
| Noncurrent loans to loans | 1.7778% | 1,020 |
| Net loans and leases to total assets | 68.6764% | 2,710 |
| Net loans and leases to deposits | 99.0935% | 806 |
| Net loans and leases to core deposits | 118.4051% | 621 |
| Total domestic deposits to total assets | 69.3047% | 5,563 |
| Equity capital to assets | 10.6724% | 3,153 |
| Core capital (leverage) ratio | 10.0125% | 3,523 |
| Tier 1 risk-based capital ratio | 12.4303% | 4,338 |
| Total risk-based capital ratio | 13.4910% | 4,350 |
| Memoranda: | ||
| Average total assets | $794,888,330 | 949 |
| Average earning assets | $763,461,330 | 911 |
| Average equity | $86,755,330 | 944 |
| Average total loans | $546,508,670 | 940 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2109% | 5,232 |
| Cost of funding earning assets | 0.7382% | 698 |
| Net interest margin | 2.4726% | 5,568 |
| Noninterest income to average assets | 0.0994% | 5,595 |
| Noninterest expense to average assets | 1.8987% | 5,244 |
| Loan and lease loss provision to assets | -0.0163% | 5,669 |
| Net operating income to assets | 0.3763% | 5,010 |
| Return on assets (ROA) | 0.3763% | 5,033 |
| Pretax return on assets | 0.5924% | 4,748 |
| Return on Equity (ROE) | 3.4083% | 4,989 |
| Retained earnings to average equity (ytd only) | -3.5191% | 5,297 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2464% | 1,875 |
| Assets per employee ($millions) | 15.4520% | 78 |
| Cash dividends to net income (ytd only)* | 203.2520% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 3,220 |
| Loan loss allowance to noncurrent loans | 62.7094% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 1.4372% | 1,148 |
| Noncurrent loans to loans | 1.8922% | 963 |
| Net loans and leases to total assets | 69.0062% | 2,527 |
| Net loans and leases to deposits | 96.1925% | 923 |
| Net loans and leases to core deposits | 114.6779% | 644 |
| Total domestic deposits to total assets | 71.7376% | 5,554 |
| Equity capital to assets | 11.1729% | 2,457 |
| Core capital (leverage) ratio | 10.1972% | 3,242 |
| Tier 1 risk-based capital ratio | 12.9214% | 4,131 |
| Total risk-based capital ratio | 14.0192% | 4,114 |
| Memoranda: | ||
| Average total assets | $784,545,500 | 961 |
| Average earning assets | $753,693,500 | 924 |
| Average equity | $86,612,500 | 940 |
| Average total loans | $536,443,000 | 957 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3545% | 5,068 |
| Cost of funding earning assets | 0.6943% | 834 |
| Net interest margin | 2.6603% | 5,464 |
| Noninterest income to average assets | 0.1130% | 5,607 |
| Noninterest expense to average assets | 1.9480% | 5,289 |
| Loan and lease loss provision to assets | 0.0479% | 3,435 |
| Net operating income to assets | 0.8632% | 3,011 |
| Return on assets (ROA) | 0.8632% | 3,121 |
| Pretax return on assets | 0.6709% | 4,585 |
| Return on Equity (ROE) | 7.8700% | 3,015 |
| Retained earnings to average equity (ytd only) | 7.8700% | 894 |
| Net charge-offs to loans | -0.0266% | 5,199 |
| Credit loss provision to net charge-offs | -279.8450% | 5,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5022% | 2,508 |
| Assets per employee ($millions) | 16.5936% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2064% | 3,083 |
| Loan loss allowance to noncurrent loans | 76.9157% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 1.1485% | 1,600 |
| Noncurrent loans to loans | 1.5684% | 1,261 |
| Net loans and leases to total assets | 66.1537% | 3,052 |
| Net loans and leases to deposits | 87.1067% | 2,038 |
| Net loans and leases to core deposits | 102.6155% | 1,402 |
| Total domestic deposits to total assets | 75.9456% | 5,245 |
| Equity capital to assets | 10.9107% | 2,701 |
| Core capital (leverage) ratio | 10.4142% | 2,970 |
| Tier 1 risk-based capital ratio | 13.1821% | 3,955 |
| Total risk-based capital ratio | 14.2963% | 3,953 |
| Memoranda: | ||
| Average total assets | $752,883,800 | 961 |
| Average earning assets | $722,751,600 | 920 |
| Average equity | $82,579,000 | 965 |
| Average total loans | $485,518,800 | 999 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3828% | 5,062 |
| Cost of funding earning assets | 0.6827% | 893 |
| Net interest margin | 2.7001% | 5,492 |
| Noninterest income to average assets | 0.0420% | 5,852 |
| Noninterest expense to average assets | 2.0000% | 5,202 |
| Loan and lease loss provision to assets | 0.0561% | 3,126 |
| Net operating income to assets | 0.2942% | 5,298 |
| Return on assets (ROA) | 0.2942% | 5,382 |
| Pretax return on assets | 0.5770% | 4,937 |
| Return on Equity (ROE) | 2.6781% | 5,310 |
| Retained earnings to average equity (ytd only) | 2.6781% | 4,303 |
| Net charge-offs to loans | -0.0355% | 5,228 |
| Credit loss provision to net charge-offs | -247.6190% | 4,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3975% | 2,050 |
| Assets per employee ($millions) | 16.0625% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2425% | 3,002 |
| Loan loss allowance to noncurrent loans | 75.5713% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 1.2100% | 1,643 |
| Noncurrent loans to loans | 1.6442% | 1,298 |
| Net loans and leases to total assets | 67.1901% | 2,924 |
| Net loans and leases to deposits | 92.7511% | 1,401 |
| Net loans and leases to core deposits | 108.6627% | 1,009 |
| Total domestic deposits to total assets | 72.4412% | 5,572 |
| Equity capital to assets | 10.9617% | 3,055 |
| Core capital (leverage) ratio | 10.5812% | 2,897 |
| Tier 1 risk-based capital ratio | 13.4374% | 3,898 |
| Total risk-based capital ratio | 14.5831% | 3,874 |
| Memoranda: | ||
| Average total assets | $741,981,750 | 974 |
| Average earning assets | $712,012,000 | 937 |
| Average equity | $81,498,000 | 977 |
| Average total loans | $473,562,750 | 1,022 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2913% | 5,303 |
| Cost of funding earning assets | 0.6730% | 930 |
| Net interest margin | 2.6182% | 5,653 |
| Noninterest income to average assets | -0.0168% | 6,021 |
| Noninterest expense to average assets | 2.0508% | 5,169 |
| Loan and lease loss provision to assets | -0.0344% | 5,804 |
| Net operating income to assets | 0.2025% | 5,519 |
| Return on assets (ROA) | 0.2025% | 5,576 |
| Pretax return on assets | 0.4750% | 5,186 |
| Return on Equity (ROE) | 1.8426% | 5,544 |
| Retained earnings to average equity (ytd only) | 1.8426% | 4,635 |
| Net charge-offs to loans | -0.0548% | 5,407 |
| Credit loss provision to net charge-offs | 100.7937% | 2,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7282% | 1,304 |
| Assets per employee ($millions) | 14.8666% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2733% | 2,934 |
| Loan loss allowance to noncurrent loans | 69.7044% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 1.3061% | 1,545 |
| Noncurrent loans to loans | 1.8268% | 1,124 |
| Net loans and leases to total assets | 64.5725% | 3,285 |
| Net loans and leases to deposits | 84.5011% | 2,407 |
| Net loans and leases to core deposits | 98.7995% | 1,742 |
| Total domestic deposits to total assets | 76.4162% | 5,232 |
| Equity capital to assets | 11.4626% | 2,581 |
| Core capital (leverage) ratio | 10.4920% | 2,984 |
| Tier 1 risk-based capital ratio | 14.2678% | 3,458 |
| Total risk-based capital ratio | 15.4175% | 3,428 |
| Memoranda: | ||
| Average total assets | $737,663,670 | 980 |
| Average earning assets | $706,655,330 | 944 |
| Average equity | $81,079,330 | 984 |
| Average total loans | $460,209,000 | 1,056 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3167% | 5,288 |
| Cost of funding earning assets | 0.6575% | 1,013 |
| Net interest margin | 2.6592% | 5,655 |
| Noninterest income to average assets | 0.0096% | 6,051 |
| Noninterest expense to average assets | 2.0408% | 5,245 |
| Loan and lease loss provision to assets | -0.0971% | 5,986 |
| Net operating income to assets | 0.3559% | 5,125 |
| Return on assets (ROA) | 0.3559% | 5,211 |
| Pretax return on assets | 0.6077% | 4,799 |
| Return on Equity (ROE) | 3.3052% | 5,123 |
| Retained earnings to average equity (ytd only) | 3.3052% | 3,842 |
| Net charge-offs to loans | -0.0963% | 5,618 |
| Credit loss provision to net charge-offs | 165.4545% | 1,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4228% | 1,678 |
| Assets per employee ($millions) | 15.8271% | 75 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 3,166 |
| Loan loss allowance to noncurrent loans | 68.2394% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 1.2123% | 1,796 |
| Noncurrent loans to loans | 1.8350% | 1,210 |
| Net loans and leases to total assets | 59.7092% | 3,819 |
| Net loans and leases to deposits | 75.7061% | 3,251 |
| Net loans and leases to core deposits | 86.8688% | 2,669 |
| Total domestic deposits to total assets | 78.8697% | 4,996 |
| Equity capital to assets | 10.4916% | 3,507 |
| Core capital (leverage) ratio | 9.9830% | 3,548 |
| Tier 1 risk-based capital ratio | 13.8179% | 3,798 |
| Total risk-based capital ratio | 14.9139% | 3,816 |
| Memoranda: | ||
| Average total assets | $749,697,500 | 959 |
| Average earning assets | $716,616,500 | 931 |
| Average equity | $80,720,500 | 987 |
| Average total loans | $456,948,500 | 1,061 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2199% | 5,493 |
| Cost of funding earning assets | 0.5850% | 1,468 |
| Net interest margin | 2.6349% | 5,725 |
| Noninterest income to average assets | 0.1148% | 5,828 |
| Noninterest expense to average assets | 2.1754% | 5,104 |
| Loan and lease loss provision to assets | -0.0851% | 5,825 |
| Net operating income to assets | 1.5919% | 716 |
| Return on assets (ROA) | 1.5919% | 739 |
| Pretax return on assets | 0.5699% | 4,934 |
| Return on Equity (ROE) | 15.5333% | 609 |
| Retained earnings to average equity (ytd only) | 15.5333% | 124 |
| Net charge-offs to loans | -0.0338% | 5,437 |
| Credit loss provision to net charge-offs | 425.8993% | 724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0903% | 1,522 |
| Assets per employee ($millions) | 14.7728% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 2,727 |
| Loan loss allowance to noncurrent loans | 68.4320% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 1.3163% | 1,614 |
| Noncurrent loans to loans | 1.9521% | 1,084 |
| Net loans and leases to total assets | 60.6492% | 3,746 |
| Net loans and leases to deposits | 77.7195% | 3,085 |
| Net loans and leases to core deposits | 91.0811% | 2,308 |
| Total domestic deposits to total assets | 78.0361% | 5,154 |
| Equity capital to assets | 11.0622% | 2,760 |
| Core capital (leverage) ratio | 10.7730% | 2,627 |
| Tier 1 risk-based capital ratio | 14.1825% | 3,616 |
| Total risk-based capital ratio | 15.3510% | 3,575 |
| Memoranda: | ||
| Average total assets | $695,769,400 | 998 |
| Average earning assets | $672,142,000 | 950 |
| Average equity | $71,305,000 | 1,067 |
| Average total loans | $410,802,400 | 1,122 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2475% | 5,515 |
| Cost of funding earning assets | 0.5839% | 1,514 |
| Net interest margin | 2.6636% | 5,765 |
| Noninterest income to average assets | 0.1278% | 5,836 |
| Noninterest expense to average assets | 2.2467% | 4,918 |
| Loan and lease loss provision to assets | -0.1171% | 6,029 |
| Net operating income to assets | 0.5838% | 4,460 |
| Return on assets (ROA) | 0.5838% | 4,554 |
| Pretax return on assets | 0.5740% | 5,035 |
| Return on Equity (ROE) | 5.8184% | 4,238 |
| Retained earnings to average equity (ytd only) | 5.8184% | 2,357 |
| Net charge-offs to loans | -0.0275% | 5,321 |
| Credit loss provision to net charge-offs | 728.9157% | 478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4216% | 1,340 |
| Assets per employee ($millions) | 14.0771% | 97 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4333% | 2,437 |
| Loan loss allowance to noncurrent loans | 67.0127% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 1.4216% | 1,608 |
| Noncurrent loans to loans | 2.1389% | 1,046 |
| Net loans and leases to total assets | 59.7919% | 3,907 |
| Net loans and leases to deposits | 75.1185% | 3,415 |
| Net loans and leases to core deposits | 88.8941% | 2,570 |
| Total domestic deposits to total assets | 79.5967% | 4,834 |
| Equity capital to assets | 10.5807% | 3,510 |
| Core capital (leverage) ratio | 10.5168% | 3,027 |
| Tier 1 risk-based capital ratio | 15.0460% | 3,271 |
| Total risk-based capital ratio | 16.2971% | 3,207 |
| Memoranda: | ||
| Average total assets | $688,744,500 | 1,011 |
| Average earning assets | $666,045,750 | 963 |
| Average equity | $69,112,250 | 1,107 |
| Average total loans | $402,261,750 | 1,150 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2037% | 5,620 |
| Cost of funding earning assets | 0.5793% | 1,573 |
| Net interest margin | 2.6244% | 5,857 |
| Noninterest income to average assets | 0.0964% | 6,044 |
| Noninterest expense to average assets | 2.2537% | 4,965 |
| Loan and lease loss provision to assets | -0.0040% | 5,939 |
| Net operating income to assets | 0.3532% | 5,288 |
| Return on assets (ROA) | 0.3532% | 5,396 |
| Pretax return on assets | 0.3792% | 5,516 |
| Return on Equity (ROE) | 3.5832% | 5,186 |
| Retained earnings to average equity (ytd only) | 3.5832% | 3,746 |
| Net charge-offs to loans | -0.0425% | 5,480 |
| Credit loss provision to net charge-offs | 16.4706% | 3,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0274% | 1,149 |
| Assets per employee ($millions) | 14.6393% | 81 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6030% | 1,906 |
| Loan loss allowance to noncurrent loans | 135.1724% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.8183% | 2,929 |
| Noncurrent loans to loans | 1.1859% | 2,282 |
| Net loans and leases to total assets | 57.7038% | 4,142 |
| Net loans and leases to deposits | 72.0079% | 3,721 |
| Net loans and leases to core deposits | 83.7183% | 3,006 |
| Total domestic deposits to total assets | 80.1355% | 4,832 |
| Equity capital to assets | 9.9958% | 4,048 |
| Core capital (leverage) ratio | 10.0631% | 3,512 |
| Tier 1 risk-based capital ratio | 14.3166% | 3,749 |
| Total risk-based capital ratio | 15.5691% | 3,665 |
| Memoranda: | ||
| Average total assets | $693,093,000 | 1,006 |
| Average earning assets | $668,793,000 | 968 |
| Average equity | $68,318,330 | 1,125 |
| Average total loans | $399,719,670 | 1,152 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1717% | 5,695 |
| Cost of funding earning assets | 0.5670% | 1,688 |
| Net interest margin | 2.6047% | 5,919 |
| Noninterest income to average assets | 0.1006% | 6,079 |
| Noninterest expense to average assets | 2.3225% | 4,819 |
| Loan and lease loss provision to assets | 0.0529% | 2,886 |
| Net operating income to assets | 0.2266% | 5,619 |
| Return on assets (ROA) | 0.2266% | 5,707 |
| Pretax return on assets | 0.2611% | 5,728 |
| Return on Equity (ROE) | 2.3146% | 5,608 |
| Retained earnings to average equity (ytd only) | 2.3146% | 4,537 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3937% | 1,068 |
| Assets per employee ($millions) | 13.7331% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5946% | 2,068 |
| Loan loss allowance to noncurrent loans | 132.6723% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.8467% | 2,964 |
| Noncurrent loans to loans | 1.2019% | 2,370 |
| Net loans and leases to total assets | 58.3196% | 3,898 |
| Net loans and leases to deposits | 73.1496% | 3,406 |
| Net loans and leases to core deposits | 85.0889% | 2,643 |
| Total domestic deposits to total assets | 79.7264% | 5,116 |
| Equity capital to assets | 9.9761% | 4,175 |
| Core capital (leverage) ratio | 9.8688% | 3,795 |
| Tier 1 risk-based capital ratio | 14.4433% | 3,752 |
| Total risk-based capital ratio | 15.6950% | 3,677 |
| Memoranda: | ||
| Average total assets | $695,616,500 | 1,001 |
| Average earning assets | $677,239,000 | 947 |
| Average equity | $68,089,500 | 1,131 |
| Average total loans | $397,831,000 | 1,157 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6248% | 5,016 |
| Cost of funding earning assets | 0.6085% | 1,695 |
| Net interest margin | 3.0163% | 5,415 |
| Noninterest income to average assets | 0.0922% | 6,185 |
| Noninterest expense to average assets | 2.2158% | 5,311 |
| Loan and lease loss provision to assets | -0.0166% | 5,931 |
| Net operating income to assets | 0.6528% | 4,122 |
| Return on assets (ROA) | 0.6528% | 4,232 |
| Pretax return on assets | 0.7945% | 4,282 |
| Return on Equity (ROE) | 7.2142% | 3,508 |
| Retained earnings to average equity (ytd only) | 7.2142% | 1,311 |
| Net charge-offs to loans | -0.0284% | 5,777 |
| Credit loss provision to net charge-offs | 107.4074% | 2,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3076% | 2,966 |
| Assets per employee ($millions) | 13.5496% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6457% | 1,940 |
| Loan loss allowance to noncurrent loans | 3,676.4368% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.1580% | 5,392 |
| Noncurrent loans to loans | 0.0448% | 5,698 |
| Net loans and leases to total assets | 54.2625% | 4,552 |
| Net loans and leases to deposits | 70.0142% | 3,905 |
| Net loans and leases to core deposits | 81.9727% | 3,112 |
| Total domestic deposits to total assets | 77.5022% | 5,524 |
| Equity capital to assets | 9.6054% | 4,584 |
| Core capital (leverage) ratio | 9.9403% | 3,661 |
| Tier 1 risk-based capital ratio | 14.9465% | 3,518 |
| Total risk-based capital ratio | 16.1989% | 3,453 |
| Memoranda: | ||
| Average total assets | $700,651,600 | 957 |
| Average earning assets | $673,998,200 | 912 |
| Average equity | $63,402,400 | 1,152 |
| Average total loans | $380,383,200 | 1,164 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6756% | 4,921 |
| Cost of funding earning assets | 0.6169% | 1,703 |
| Net interest margin | 3.0587% | 5,362 |
| Noninterest income to average assets | 0.1262% | 6,136 |
| Noninterest expense to average assets | 2.2227% | 5,307 |
| Loan and lease loss provision to assets | -0.0276% | 6,122 |
| Net operating income to assets | 0.7996% | 3,427 |
| Return on assets (ROA) | 0.7996% | 3,522 |
| Pretax return on assets | 0.8646% | 4,124 |
| Return on Equity (ROE) | 8.9752% | 2,696 |
| Retained earnings to average equity (ytd only) | 8.9752% | 1,013 |
| Net charge-offs to loans | -0.1212% | 6,195 |
| Credit loss provision to net charge-offs | 42.1512% | 3,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9544% | 3,187 |
| Assets per employee ($millions) | 13.0565% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8153% | 1,660 |
| Loan loss allowance to noncurrent loans | 130.6688% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.8200% | 3,372 |
| Noncurrent loans to loans | 1.3892% | 2,331 |
| Net loans and leases to total assets | 51.6179% | 4,846 |
| Net loans and leases to deposits | 62.3865% | 4,702 |
| Net loans and leases to core deposits | 72.1440% | 4,141 |
| Total domestic deposits to total assets | 82.7388% | 4,224 |
| Equity capital to assets | 9.5355% | 4,748 |
| Core capital (leverage) ratio | 9.2513% | 4,706 |
| Tier 1 risk-based capital ratio | 14.5043% | 3,882 |
| Total risk-based capital ratio | 15.7568% | 3,817 |
| Memoranda: | ||
| Average total assets | $699,669,500 | 967 |
| Average earning assets | $671,036,250 | 919 |
| Average equity | $62,333,500 | 1,182 |
| Average total loans | $378,299,000 | 1,179 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4346% | 5,553 |
| Cost of funding earning assets | 0.6008% | 1,891 |
| Net interest margin | 2.8338% | 5,844 |
| Noninterest income to average assets | 0.1527% | 6,031 |
| Noninterest expense to average assets | 2.1848% | 5,453 |
| Loan and lease loss provision to assets | 0.3341% | 558 |
| Net operating income to assets | 0.3520% | 5,401 |
| Return on assets (ROA) | 0.3520% | 5,468 |
| Pretax return on assets | 0.3865% | 5,600 |
| Return on Equity (ROE) | 4.0447% | 5,125 |
| Retained earnings to average equity (ytd only) | 4.0447% | 3,602 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4731% | 2,898 |
| Assets per employee ($millions) | 13.7888% | 92 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7857% | 1,876 |
| Loan loss allowance to noncurrent loans | 147.3459% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.7863% | 3,605 |
| Noncurrent loans to loans | 1.2119% | 2,808 |
| Net loans and leases to total assets | 57.0326% | 4,108 |
| Net loans and leases to deposits | 70.5485% | 3,749 |
| Net loans and leases to core deposits | 81.3198% | 3,061 |
| Total domestic deposits to total assets | 80.8416% | 5,031 |
| Equity capital to assets | 8.6430% | 5,675 |
| Core capital (leverage) ratio | 9.0643% | 4,916 |
| Tier 1 risk-based capital ratio | 13.1002% | 4,851 |
| Total risk-based capital ratio | 14.3542% | 4,780 |
| Memoranda: | ||
| Average total assets | $702,228,330 | 961 |
| Average earning assets | $682,116,000 | 905 |
| Average equity | $61,116,330 | 1,194 |
| Average total loans | $383,133,330 | 1,147 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4324% | 5,580 |
| Cost of funding earning assets | 0.6092% | 1,900 |
| Net interest margin | 2.8232% | 5,891 |
| Noninterest income to average assets | 0.1884% | 5,836 |
| Noninterest expense to average assets | 2.2322% | 5,377 |
| Loan and lease loss provision to assets | 0.3186% | 579 |
| Net operating income to assets | 0.3442% | 5,333 |
| Return on assets (ROA) | 0.3442% | 5,394 |
| Pretax return on assets | 0.3779% | 5,518 |
| Return on Equity (ROE) | 3.9406% | 5,072 |
| Retained earnings to average equity (ytd only) | 3.6078% | 3,967 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4814% | 2,874 |
| Assets per employee ($millions) | 13.6745% | 95 |
| Cash dividends to net income (ytd only)* | 8.4459% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8218% | 1,977 |
| Loan loss allowance to noncurrent loans | 91.2467% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 1.1529% | 2,960 |
| Noncurrent loans to loans | 1.9966% | 1,869 |
| Net loans and leases to total assets | 53.7286% | 4,458 |
| Net loans and leases to deposits | 63.8834% | 4,325 |
| Net loans and leases to core deposits | 73.9770% | 3,646 |
| Total domestic deposits to total assets | 84.1041% | 4,236 |
| Equity capital to assets | 8.7360% | 5,414 |
| Core capital (leverage) ratio | 9.2153% | 4,700 |
| Tier 1 risk-based capital ratio | 14.3558% | 4,095 |
| Total risk-based capital ratio | 15.6102% | 4,051 |
| Memoranda: | ||
| Average total assets | $687,939,000 | 989 |
| Average earning assets | $667,745,500 | 931 |
| Average equity | $60,092,500 | 1,211 |
| Average total loans | $362,512,000 | 1,224 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4406% | 5,755 |
| Cost of funding earning assets | 0.6383% | 2,306 |
| Net interest margin | 2.8023% | 5,979 |
| Noninterest income to average assets | 0.2324% | 5,681 |
| Noninterest expense to average assets | 2.3534% | 5,224 |
| Loan and lease loss provision to assets | -0.2196% | 6,614 |
| Net operating income to assets | 0.8113% | 3,235 |
| Return on assets (ROA) | 0.8113% | 3,331 |
| Pretax return on assets | 0.8113% | 4,102 |
| Return on Equity (ROE) | 9.3178% | 2,407 |
| Retained earnings to average equity (ytd only) | 9.1480% | 739 |
| Net charge-offs to loans | -0.2077% | 6,619 |
| Credit loss provision to net charge-offs | 196.9496% | 1,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0140% | 2,317 |
| Assets per employee ($millions) | 14.1350% | 89 |
| Cash dividends to net income (ytd only)* | 1.8225% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8653% | 1,870 |
| Loan loss allowance to noncurrent loans | 75.2732% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 1.2752% | 2,866 |
| Noncurrent loans to loans | 2.4781% | 1,533 |
| Net loans and leases to total assets | 49.6645% | 5,123 |
| Net loans and leases to deposits | 58.7168% | 5,060 |
| Net loans and leases to core deposits | 68.0402% | 4,509 |
| Total domestic deposits to total assets | 84.5831% | 3,932 |
| Equity capital to assets | 8.7343% | 5,329 |
| Core capital (leverage) ratio | 9.1099% | 4,842 |
| Tier 1 risk-based capital ratio | 15.7265% | 3,237 |
| Total risk-based capital ratio | 16.9812% | 3,192 |
| Memoranda: | ||
| Average total assets | $676,291,400 | 985 |
| Average earning assets | $654,682,600 | 923 |
| Average equity | $58,887,400 | 1,220 |
| Average total loans | $363,041,000 | 1,176 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4176% | 5,847 |
| Cost of funding earning assets | 0.6360% | 2,498 |
| Net interest margin | 2.7816% | 6,048 |
| Noninterest income to average assets | 0.1924% | 6,023 |
| Noninterest expense to average assets | 2.3630% | 5,142 |
| Loan and lease loss provision to assets | -0.1478% | 6,677 |
| Net operating income to assets | 0.6247% | 4,244 |
| Return on assets (ROA) | 0.6247% | 4,369 |
| Pretax return on assets | 0.6703% | 4,792 |
| Return on Equity (ROE) | 7.1797% | 3,548 |
| Retained earnings to average equity (ytd only) | 6.9529% | 1,900 |
| Net charge-offs to loans | -0.1971% | 6,648 |
| Credit loss provision to net charge-offs | 137.6838% | 1,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9833% | 1,972 |
| Assets per employee ($millions) | 14.0636% | 95 |
| Cash dividends to net income (ytd only)* | 3.1586% | 3,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9209% | 1,939 |
| Loan loss allowance to noncurrent loans | 73.5463% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 1.3592% | 2,924 |
| Noncurrent loans to loans | 2.6118% | 1,627 |
| Net loans and leases to total assets | 50.3268% | 5,107 |
| Net loans and leases to deposits | 60.6893% | 4,903 |
| Net loans and leases to core deposits | 69.9846% | 4,322 |
| Total domestic deposits to total assets | 82.9253% | 4,607 |
| Equity capital to assets | 8.1608% | 6,038 |
| Core capital (leverage) ratio | 8.9481% | 5,208 |
| Tier 1 risk-based capital ratio | 13.7701% | 4,589 |
| Total risk-based capital ratio | 15.0247% | 4,539 |
| Memoranda: | ||
| Average total assets | $675,744,750 | 991 |
| Average earning assets | $654,240,250 | 926 |
| Average equity | $58,794,250 | 1,229 |
| Average total loans | $367,959,250 | 1,165 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5084% | 5,677 |
| Cost of funding earning assets | 0.6457% | 2,532 |
| Net interest margin | 2.8628% | 5,868 |
| Noninterest income to average assets | 0.2205% | 5,863 |
| Noninterest expense to average assets | 2.3729% | 5,128 |
| Loan and lease loss provision to assets | -0.3336% | 6,841 |
| Net operating income to assets | 0.8677% | 2,959 |
| Return on assets (ROA) | 0.8677% | 3,110 |
| Pretax return on assets | 0.9535% | 3,701 |
| Return on Equity (ROE) | 9.7597% | 2,292 |
| Retained earnings to average equity (ytd only) | 9.7597% | 899 |
| Net charge-offs to loans | -0.2938% | 6,750 |
| Credit loss provision to net charge-offs | 204.4118% | 1,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3960% | 2,397 |
| Assets per employee ($millions) | 13.0713% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8761% | 2,179 |
| Loan loss allowance to noncurrent loans | 252.1305% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.4024% | 5,272 |
| Noncurrent loans to loans | 0.7441% | 4,436 |
| Net loans and leases to total assets | 50.5392% | 5,054 |
| Net loans and leases to deposits | 56.0034% | 5,344 |
| Net loans and leases to core deposits | 64.1442% | 4,877 |
| Total domestic deposits to total assets | 90.2430% | 889 |
| Equity capital to assets | 8.3187% | 5,953 |
| Core capital (leverage) ratio | 8.8577% | 5,214 |
| Tier 1 risk-based capital ratio | 14.1922% | 4,299 |
| Total risk-based capital ratio | 15.4461% | 4,253 |
| Memoranda: | ||
| Average total assets | $666,599,000 | 1,001 |
| Average earning assets | $645,532,000 | 937 |
| Average equity | $59,264,000 | 1,225 |
| Average total loans | $370,339,000 | 1,146 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3998% | 5,943 |
| Cost of funding earning assets | 0.6383% | 2,756 |
| Net interest margin | 2.7615% | 6,111 |
| Noninterest income to average assets | 0.1709% | 6,233 |
| Noninterest expense to average assets | 2.3538% | 5,259 |
| Loan and lease loss provision to assets | -0.3460% | 6,925 |
| Net operating income to assets | 0.7642% | 3,361 |
| Return on assets (ROA) | 0.7642% | 3,504 |
| Pretax return on assets | 0.8478% | 3,958 |
| Return on Equity (ROE) | 8.3201% | 2,808 |
| Retained earnings to average equity (ytd only) | 8.3201% | 1,633 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4941% | 2,118 |
| Assets per employee ($millions) | 13.9199% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7877% | 2,661 |
| Loan loss allowance to noncurrent loans | 129.4616% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.7614% | 4,476 |
| Noncurrent loans to loans | 1.3809% | 3,494 |
| Net loans and leases to total assets | 52.8780% | 4,573 |
| Net loans and leases to deposits | 58.3235% | 4,995 |
| Net loans and leases to core deposits | 68.3655% | 4,257 |
| Total domestic deposits to total assets | 90.6632% | 689 |
| Equity capital to assets | 8.7841% | 5,721 |
| Core capital (leverage) ratio | 8.9028% | 5,053 |
| Tier 1 risk-based capital ratio | 13.6042% | 4,794 |
| Total risk-based capital ratio | 14.8579% | 4,755 |
| Memoranda: | ||
| Average total assets | $660,044,500 | 1,025 |
| Average earning assets | $641,675,500 | 952 |
| Average equity | $60,624,500 | 1,212 |
| Average total loans | $380,465,000 | 1,123 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4680% | 6,390 |
| Cost of funding earning assets | 0.8433% | 2,342 |
| Net interest margin | 2.6246% | 6,612 |
| Noninterest income to average assets | 0.0325% | 6,746 |
| Noninterest expense to average assets | 2.5959% | 4,760 |
| Loan and lease loss provision to assets | 0.2252% | 2,878 |
| Net operating income to assets | -0.1336% | 6,320 |
| Return on assets (ROA) | 0.2277% | 5,905 |
| Pretax return on assets | 0.1052% | 6,151 |
| Return on Equity (ROE) | 2.4617% | 5,764 |
| Retained earnings to average equity (ytd only) | 2.4617% | 4,503 |
| Net charge-offs to loans | 0.0851% | 4,830 |
| Credit loss provision to net charge-offs | 475.8170% | 511 |
| Earnings coverage of net charge-offs (x) | -0.6536% | 5,705 |
| Efficiency ratio | 99.9457% | 562 |
| Assets per employee ($millions) | 12.5101% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8126% | 2,550 |
| Loan loss allowance to noncurrent loans | 136.4958% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.8390% | 4,374 |
| Noncurrent loans to loans | 1.3279% | 3,621 |
| Net loans and leases to total assets | 60.5882% | 3,498 |
| Net loans and leases to deposits | 67.2661% | 4,090 |
| Net loans and leases to core deposits | 80.1864% | 2,978 |
| Total domestic deposits to total assets | 90.0725% | 912 |
| Equity capital to assets | 9.6134% | 4,725 |
| Core capital (leverage) ratio | 8.7154% | 5,304 |
| Tier 1 risk-based capital ratio | 13.0277% | 5,087 |
| Total risk-based capital ratio | 14.2825% | 5,023 |
| Memoranda: | ||
| Average total assets | $646,507,600 | 1,016 |
| Average earning assets | $623,826,000 | 963 |
| Average equity | $59,795,000 | 1,188 |
| Average total loans | $359,497,000 | 1,161 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5180% | 6,492 |
| Cost of funding earning assets | 0.8473% | 2,564 |
| Net interest margin | 2.6707% | 6,680 |
| Noninterest income to average assets | 0.0742% | 6,718 |
| Noninterest expense to average assets | 2.4395% | 5,274 |
| Loan and lease loss provision to assets | 0.2742% | 2,384 |
| Net operating income to assets | -0.0666% | 6,362 |
| Return on assets (ROA) | 0.3992% | 5,470 |
| Pretax return on assets | 0.4136% | 5,686 |
| Return on Equity (ROE) | 4.3583% | 5,119 |
| Retained earnings to average equity (ytd only) | 4.3583% | 3,824 |
| Net charge-offs to loans | 0.1163% | 4,214 |
| Credit loss provision to net charge-offs | 435.9477% | 617 |
| Earnings coverage of net charge-offs (x) | 3.3006% | 3,704 |
| Efficiency ratio | 90.9458% | 965 |
| Assets per employee ($millions) | 13.3623% | 118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8155% | 2,746 |
| Loan loss allowance to noncurrent loans | 243.2882% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 1.4366% | 3,448 |
| Noncurrent loans to loans | 0.7462% | 4,928 |
| Net loans and leases to total assets | 56.7750% | 4,334 |
| Net loans and leases to deposits | 68.9940% | 4,031 |
| Net loans and leases to core deposits | 84.4335% | 2,650 |
| Total domestic deposits to total assets | 82.2897% | 4,924 |
| Equity capital to assets | 9.3692% | 5,382 |
| Core capital (leverage) ratio | 8.7678% | 5,383 |
| Tier 1 risk-based capital ratio | 12.9935% | 5,258 |
| Total risk-based capital ratio | 14.2480% | 5,214 |
| Memoranda: | ||
| Average total assets | $648,630,750 | 1,025 |
| Average earning assets | $624,883,500 | 971 |
| Average equity | $59,410,000 | 1,203 |
| Average total loans | $350,946,750 | 1,195 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5051% | 6,601 |
| Cost of funding earning assets | 0.8492% | 2,800 |
| Net interest margin | 2.6559% | 6,767 |
| Noninterest income to average assets | 0.0645% | 6,808 |
| Noninterest expense to average assets | 2.4802% | 5,212 |
| Loan and lease loss provision to assets | 0.3118% | 2,116 |
| Net operating income to assets | -0.1660% | 6,508 |
| Return on assets (ROA) | 0.5398% | 4,908 |
| Pretax return on assets | 0.5572% | 5,286 |
| Return on Equity (ROE) | 5.9403% | 4,355 |
| Retained earnings to average equity (ytd only) | 5.9403% | 2,746 |
| Net charge-offs to loans | 0.2029% | 3,363 |
| Credit loss provision to net charge-offs | 290.9884% | 1,005 |
| Earnings coverage of net charge-offs (x) | 1.3198% | 4,341 |
| Efficiency ratio | 93.3706% | 839 |
| Assets per employee ($millions) | 12.8296% | 122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8419% | 2,728 |
| Loan loss allowance to noncurrent loans | 229.7026% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 1.4678% | 3,500 |
| Noncurrent loans to loans | 0.8019% | 4,903 |
| Net loans and leases to total assets | 54.1057% | 4,784 |
| Net loans and leases to deposits | 64.8030% | 4,663 |
| Net loans and leases to core deposits | 79.9120% | 3,234 |
| Total domestic deposits to total assets | 83.4926% | 4,532 |
| Equity capital to assets | 9.1157% | 5,566 |
| Core capital (leverage) ratio | 8.7025% | 5,379 |
| Tier 1 risk-based capital ratio | 13.5878% | 4,757 |
| Total risk-based capital ratio | 14.8422% | 4,719 |
| Memoranda: | ||
| Average total assets | $642,136,670 | 1,035 |
| Average earning assets | $618,246,330 | 976 |
| Average equity | $58,347,670 | 1,215 |
| Average total loans | $339,150,670 | 1,259 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4923% | 6,709 |
| Cost of funding earning assets | 0.8424% | 3,128 |
| Net interest margin | 2.6499% | 6,834 |
| Noninterest income to average assets | 0.0968% | 6,761 |
| Noninterest expense to average assets | 2.5432% | 5,009 |
| Loan and lease loss provision to assets | 0.2509% | 2,452 |
| Net operating income to assets | -0.1402% | 6,570 |
| Return on assets (ROA) | 0.9735% | 2,784 |
| Pretax return on assets | 0.9892% | 3,710 |
| Return on Equity (ROE) | 10.7316% | 2,130 |
| Retained earnings to average equity (ytd only) | 10.7316% | 1,106 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8444% | 779 |
| Assets per employee ($millions) | 13.1558% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8684% | 2,775 |
| Loan loss allowance to noncurrent loans | 194.7834% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 1.5201% | 3,575 |
| Noncurrent loans to loans | 0.9592% | 4,757 |
| Net loans and leases to total assets | 50.9805% | 5,162 |
| Net loans and leases to deposits | 60.6113% | 5,079 |
| Net loans and leases to core deposits | 78.6093% | 3,245 |
| Total domestic deposits to total assets | 84.0481% | 4,466 |
| Equity capital to assets | 8.6775% | 5,904 |
| Core capital (leverage) ratio | 8.7386% | 5,233 |
| Tier 1 risk-based capital ratio | 14.2348% | 4,289 |
| Total risk-based capital ratio | 15.4897% | 4,260 |
| Memoranda: | ||
| Average total assets | $636,051,000 | 1,041 |
| Average earning assets | $612,091,500 | 982 |
| Average equity | $57,699,000 | 1,230 |
| Average total loans | $328,395,500 | 1,291 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5350% | 6,975 |
| Cost of funding earning assets | 0.8537% | 4,442 |
| Net interest margin | 2.6813% | 6,940 |
| Noninterest income to average assets | 0.1079% | 6,606 |
| Noninterest expense to average assets | 2.4892% | 5,505 |
| Loan and lease loss provision to assets | 0.0516% | 5,944 |
| Net operating income to assets | 0.2904% | 5,290 |
| Return on assets (ROA) | 0.3956% | 5,054 |
| Pretax return on assets | 0.2623% | 5,649 |
| Return on Equity (ROE) | 4.1299% | 4,792 |
| Retained earnings to average equity (ytd only) | 4.1299% | 3,244 |
| Net charge-offs to loans | 0.0036% | 6,397 |
| Credit loss provision to net charge-offs | 2,709.0909% | 81 |
| Earnings coverage of net charge-offs (x) | 109.5455% | 291 |
| Efficiency ratio | 90.6750% | 1,139 |
| Assets per employee ($millions) | 12.7981% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8999% | 2,569 |
| Loan loss allowance to noncurrent loans | 179.1143% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 1.6381% | 3,503 |
| Noncurrent loans to loans | 1.0607% | 4,586 |
| Net loans and leases to total assets | 50.3125% | 5,546 |
| Net loans and leases to deposits | 62.0463% | 5,239 |
| Net loans and leases to core deposits | 85.2449% | 2,722 |
| Total domestic deposits to total assets | 81.0218% | 5,437 |
| Equity capital to assets | 9.4932% | 4,899 |
| Core capital (leverage) ratio | 9.2230% | 4,434 |
| Tier 1 risk-based capital ratio | 15.3127% | 3,445 |
| Total risk-based capital ratio | 16.5686% | 3,395 |
| Memoranda: | ||
| Average total assets | $577,138,000 | 1,139 |
| Average earning assets | $557,482,600 | 1,066 |
| Average equity | $55,280,200 | 1,227 |
| Average total loans | $305,575,600 | 1,389 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5987% | 7,022 |
| Cost of funding earning assets | 0.8689% | 4,645 |
| Net interest margin | 2.7298% | 6,963 |
| Noninterest income to average assets | 0.0869% | 6,801 |
| Noninterest expense to average assets | 2.4586% | 5,600 |
| Loan and lease loss provision to assets | -0.0434% | 7,326 |
| Net operating income to assets | 0.3051% | 5,376 |
| Return on assets (ROA) | 0.4433% | 5,004 |
| Pretax return on assets | 0.4550% | 5,302 |
| Return on Equity (ROE) | 4.6171% | 4,714 |
| Retained earnings to average equity (ytd only) | 4.6171% | 3,431 |
| Net charge-offs to loans | 0.0123% | 5,975 |
| Credit loss provision to net charge-offs | -660.7143% | 6,705 |
| Earnings coverage of net charge-offs (x) | 40.9312% | 759 |
| Efficiency ratio | 88.5427% | 1,290 |
| Assets per employee ($millions) | 12.6172% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8952% | 2,625 |
| Loan loss allowance to noncurrent loans | 57.7352% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 1.6194% | 3,656 |
| Noncurrent loans to loans | 3.2826% | 2,103 |
| Net loans and leases to total assets | 47.8885% | 5,969 |
| Net loans and leases to deposits | 57.9009% | 5,847 |
| Net loans and leases to core deposits | 82.4266% | 3,263 |
| Total domestic deposits to total assets | 81.9953% | 5,092 |
| Equity capital to assets | 10.0813% | 4,234 |
| Core capital (leverage) ratio | 9.3461% | 4,379 |
| Tier 1 risk-based capital ratio | 16.5223% | 2,853 |
| Total risk-based capital ratio | 17.7780% | 2,814 |
| Memoranda: | ||
| Average total assets | $567,844,750 | 1,175 |
| Average earning assets | $549,328,000 | 1,091 |
| Average equity | $54,520,750 | 1,247 |
| Average total loans | $303,204,250 | 1,413 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6640% | 7,046 |
| Cost of funding earning assets | 0.8840% | 4,803 |
| Net interest margin | 2.7800% | 6,945 |
| Noninterest income to average assets | 0.0540% | 7,034 |
| Noninterest expense to average assets | 2.4556% | 5,683 |
| Loan and lease loss provision to assets | 0.0204% | 6,036 |
| Net operating income to assets | 0.2638% | 5,500 |
| Return on assets (ROA) | 0.3593% | 5,274 |
| Pretax return on assets | 0.3593% | 5,520 |
| Return on Equity (ROE) | 3.8092% | 5,018 |
| Retained earnings to average equity (ytd only) | 3.8092% | 3,791 |
| Net charge-offs to loans | -0.1300% | 7,218 |
| Credit loss provision to net charge-offs | -28.5000% | 6,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0219% | 1,412 |
| Assets per employee ($millions) | 12.8112% | 133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0217% | 2,307 |
| Loan loss allowance to noncurrent loans | 43.8780% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 2.3754% | 2,776 |
| Noncurrent loans to loans | 4.6076% | 1,434 |
| Net loans and leases to total assets | 50.0680% | 5,811 |
| Net loans and leases to deposits | 60.4113% | 5,688 |
| Net loans and leases to core deposits | 90.2836% | 2,338 |
| Total domestic deposits to total assets | 82.1287% | 5,123 |
| Equity capital to assets | 9.7188% | 4,512 |
| Core capital (leverage) ratio | 9.4390% | 4,048 |
| Tier 1 risk-based capital ratio | 16.8464% | 2,587 |
| Total risk-based capital ratio | 18.1047% | 2,550 |
| Memoranda: | ||
| Average total assets | $559,457,330 | 1,201 |
| Average earning assets | $540,501,000 | 1,122 |
| Average equity | $52,766,670 | 1,277 |
| Average total loans | $307,783,000 | 1,408 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6950% | 7,074 |
| Cost of funding earning assets | 0.9074% | 4,868 |
| Net interest margin | 2.7876% | 6,922 |
| Noninterest income to average assets | 0.0944% | 6,945 |
| Noninterest expense to average assets | 2.4939% | 5,573 |
| Loan and lease loss provision to assets | 0.2229% | 3,429 |
| Net operating income to assets | 0.0675% | 6,183 |
| Return on assets (ROA) | 0.2614% | 5,641 |
| Pretax return on assets | 0.2614% | 5,774 |
| Return on Equity (ROE) | 2.8160% | 5,460 |
| Retained earnings to average equity (ytd only) | 2.8160% | 4,480 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6662% | 1,555 |
| Assets per employee ($millions) | 12.4569% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9106% | 2,656 |
| Loan loss allowance to noncurrent loans | 54.3431% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 2.0405% | 3,271 |
| Noncurrent loans to loans | 3.5158% | 2,117 |
| Net loans and leases to total assets | 56.2562% | 4,954 |
| Net loans and leases to deposits | 67.9036% | 4,694 |
| Net loans and leases to core deposits | 109.3857% | 762 |
| Total domestic deposits to total assets | 82.0595% | 5,288 |
| Equity capital to assets | 9.3697% | 4,621 |
| Core capital (leverage) ratio | 9.0715% | 4,496 |
| Tier 1 risk-based capital ratio | 15.2137% | 3,310 |
| Total risk-based capital ratio | 16.4709% | 3,263 |
| Memoranda: | ||
| Average total assets | $550,934,000 | 1,226 |
| Average earning assets | $531,631,000 | 1,151 |
| Average equity | $51,135,500 | 1,304 |
| Average total loans | $314,374,500 | 1,384 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5168% | 7,379 |
| Cost of funding earning assets | 0.9518% | 5,926 |
| Net interest margin | 2.5650% | 7,233 |
| Noninterest income to average assets | 0.0506% | 7,100 |
| Noninterest expense to average assets | 2.5848% | 5,477 |
| Loan and lease loss provision to assets | 0.2901% | 4,476 |
| Net operating income to assets | -0.3442% | 6,261 |
| Return on assets (ROA) | -0.1179% | 6,066 |
| Pretax return on assets | -0.1138% | 6,013 |
| Return on Equity (ROE) | -1.3796% | 6,106 |
| Retained earnings to average equity (ytd only) | -1.3796% | 5,868 |
| Net charge-offs to loans | 0.1863% | 5,190 |
| Credit loss provision to net charge-offs | 288.4868% | 939 |
| Earnings coverage of net charge-offs (x) | -0.4967% | 6,452 |
| Efficiency ratio | 100.0522% | 773 |
| Assets per employee ($millions) | 12.8782% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8127% | 2,822 |
| Loan loss allowance to noncurrent loans | 49.5522% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 2.1110% | 3,203 |
| Noncurrent loans to loans | 3.6581% | 2,041 |
| Net loans and leases to total assets | 55.7461% | 5,382 |
| Net loans and leases to deposits | 67.0834% | 5,237 |
| Net loans and leases to core deposits | 109.9308% | 922 |
| Total domestic deposits to total assets | 82.3202% | 5,085 |
| Equity capital to assets | 9.1944% | 4,849 |
| Core capital (leverage) ratio | 8.1769% | 5,865 |
| Tier 1 risk-based capital ratio | 14.9023% | 3,306 |
| Total risk-based capital ratio | 16.1585% | 3,254 |
| Memoranda: | ||
| Average total assets | $604,579,400 | 1,106 |
| Average earning assets | $585,537,800 | 1,031 |
| Average equity | $51,683,400 | 1,289 |
| Average total loans | $326,416,200 | 1,368 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4611% | 7,544 |
| Cost of funding earning assets | 0.9436% | 6,210 |
| Net interest margin | 2.5174% | 7,366 |
| Noninterest income to average assets | 0.0531% | 7,256 |
| Noninterest expense to average assets | 2.6081% | 5,294 |
| Loan and lease loss provision to assets | 0.1946% | 5,096 |
| Net operating income to assets | -0.3087% | 6,435 |
| Return on assets (ROA) | -0.0426% | 6,195 |
| Pretax return on assets | -0.0426% | 6,156 |
| Return on Equity (ROE) | -0.5063% | 6,216 |
| Retained earnings to average equity (ytd only) | -0.5063% | 5,920 |
| Net charge-offs to loans | 0.0174% | 6,436 |
| Credit loss provision to net charge-offs | 2,095.3488% | 151 |
| Earnings coverage of net charge-offs (x) | -12.2794% | 6,635 |
| Efficiency ratio | 102.6587% | 668 |
| Assets per employee ($millions) | 15.7249% | 89 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7285% | 3,068 |
| Loan loss allowance to noncurrent loans | 42.6399% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 2.0363% | 3,420 |
| Noncurrent loans to loans | 4.0538% | 1,839 |
| Net loans and leases to total assets | 48.9077% | 6,443 |
| Net loans and leases to deposits | 58.0379% | 6,460 |
| Net loans and leases to core deposits | 106.2920% | 1,299 |
| Total domestic deposits to total assets | 83.5832% | 4,327 |
| Equity capital to assets | 8.8665% | 5,748 |
| Core capital (leverage) ratio | 8.2414% | 5,972 |
| Tier 1 risk-based capital ratio | 14.7711% | 3,356 |
| Total risk-based capital ratio | 16.0257% | 3,338 |
| Memoranda: | ||
| Average total assets | $617,283,500 | 1,086 |
| Average earning assets | $598,528,000 | 1,019 |
| Average equity | $51,875,500 | 1,292 |
| Average total loans | $329,420,250 | 1,370 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4589% | 7,619 |
| Cost of funding earning assets | 0.9711% | 6,282 |
| Net interest margin | 2.4877% | 7,427 |
| Noninterest income to average assets | 0.0567% | 7,306 |
| Noninterest expense to average assets | 2.7275% | 4,802 |
| Loan and lease loss provision to assets | 0.0770% | 6,173 |
| Net operating income to assets | -0.3355% | 6,514 |
| Return on assets (ROA) | -0.1216% | 6,328 |
| Pretax return on assets | -0.1216% | 6,267 |
| Return on Equity (ROE) | -1.4750% | 6,370 |
| Retained earnings to average equity (ytd only) | -1.4750% | 6,056 |
| Net charge-offs to loans | -0.5041% | 7,731 |
| Credit loss provision to net charge-offs | -27.9621% | 6,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.5314% | 578 |
| Assets per employee ($millions) | 15.4230% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7317% | 2,960 |
| Loan loss allowance to noncurrent loans | 39.7110% | 5,707 |
| Noncurrent assets plus other real estate owned to assets | 2.3196% | 3,111 |
| Noncurrent loans to loans | 4.3608% | 1,692 |
| Net loans and leases to total assets | 51.8144% | 6,233 |
| Net loans and leases to deposits | 61.6869% | 6,259 |
| Net loans and leases to core deposits | 109.4181% | 1,205 |
| Total domestic deposits to total assets | 83.2871% | 4,442 |
| Equity capital to assets | 8.9256% | 5,564 |
| Core capital (leverage) ratio | 8.1274% | 6,069 |
| Tier 1 risk-based capital ratio | 14.6523% | 3,353 |
| Total risk-based capital ratio | 15.9078% | 3,327 |
| Memoranda: | ||
| Average total assets | $613,379,670 | 1,097 |
| Average earning assets | $594,764,000 | 1,027 |
| Average equity | $50,577,330 | 1,321 |
| Average total loans | $334,881,000 | 1,361 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4587% | 7,716 |
| Cost of funding earning assets | 0.9756% | 6,494 |
| Net interest margin | 2.4831% | 7,483 |
| Noninterest income to average assets | 0.0785% | 7,308 |
| Noninterest expense to average assets | 2.7573% | 4,664 |
| Loan and lease loss provision to assets | -0.3388% | 7,891 |
| Net operating income to assets | 0.0687% | 6,107 |
| Return on assets (ROA) | 0.5219% | 4,417 |
| Pretax return on assets | 0.5219% | 4,885 |
| Return on Equity (ROE) | 6.6040% | 3,570 |
| Retained earnings to average equity (ytd only) | 6.6040% | 2,317 |
| Net charge-offs to loans | -0.9939% | 7,851 |
| Credit loss provision to net charge-offs | 61.3744% | 4,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.9403% | 626 |
| Assets per employee ($millions) | 13.6605% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4480% | 4,176 |
| Loan loss allowance to noncurrent loans | 33.0131% | 6,206 |
| Noncurrent assets plus other real estate owned to assets | 2.4263% | 2,998 |
| Noncurrent loans to loans | 4.3861% | 1,718 |
| Net loans and leases to total assets | 54.0194% | 6,018 |
| Net loans and leases to deposits | 64.1431% | 6,040 |
| Net loans and leases to core deposits | 117.8933% | 871 |
| Total domestic deposits to total assets | 83.5071% | 4,382 |
| Equity capital to assets | 8.7568% | 5,633 |
| Core capital (leverage) ratio | 8.1725% | 5,955 |
| Tier 1 risk-based capital ratio | 14.4641% | 3,404 |
| Total risk-based capital ratio | 15.7163% | 3,370 |
| Memoranda: | ||
| Average total assets | $611,610,000 | 1,124 |
| Average earning assets | $593,286,000 | 1,057 |
| Average equity | $48,334,000 | 1,394 |
| Average total loans | $339,678,500 | 1,383 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8588% | 7,747 |
| Cost of funding earning assets | 1.3692% | 6,059 |
| Net interest margin | 2.4896% | 7,441 |
| Noninterest income to average assets | 0.0548% | 7,485 |
| Noninterest expense to average assets | 2.5868% | 5,837 |
| Loan and lease loss provision to assets | 0.0405% | 7,142 |
| Net operating income to assets | -0.0873% | 5,656 |
| Return on assets (ROA) | 0.0446% | 5,408 |
| Pretax return on assets | 0.0675% | 5,282 |
| Return on Equity (ROE) | 0.7603% | 5,306 |
| Retained earnings to average equity (ytd only) | 0.7603% | 4,478 |
| Net charge-offs to loans | -0.7136% | 7,956 |
| Credit loss provision to net charge-offs | -11.6301% | 7,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.4015% | 1,035 |
| Assets per employee ($millions) | 13.8295% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3294% | 4,592 |
| Loan loss allowance to noncurrent loans | 58.0390% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 1.3150% | 4,460 |
| Noncurrent loans to loans | 2.2905% | 3,297 |
| Net loans and leases to total assets | 55.5231% | 6,020 |
| Net loans and leases to deposits | 64.6637% | 6,193 |
| Net loans and leases to core deposits | 155.7320% | 399 |
| Total domestic deposits to total assets | 85.1259% | 3,497 |
| Equity capital to assets | 7.0400% | 7,351 |
| Core capital (leverage) ratio | 6.7999% | 7,367 |
| Tier 1 risk-based capital ratio | 11.7303% | 5,168 |
| Total risk-based capital ratio | 12.9811% | 5,132 |
| Memoranda: | ||
| Average total assets | $614,850,200 | 1,126 |
| Average earning assets | $602,670,600 | 1,038 |
| Average equity | $36,038,800 | 1,870 |
| Average total loans | $300,032,000 | 1,598 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8812% | 7,841 |
| Cost of funding earning assets | 1.4892% | 5,864 |
| Net interest margin | 2.3920% | 7,574 |
| Noninterest income to average assets | 0.0727% | 7,548 |
| Noninterest expense to average assets | 2.4841% | 6,127 |
| Loan and lease loss provision to assets | -0.0257% | 8,046 |
| Net operating income to assets | -0.0334% | 5,768 |
| Return on assets (ROA) | 0.2057% | 5,221 |
| Pretax return on assets | 0.2295% | 5,231 |
| Return on Equity (ROE) | 3.6925% | 4,503 |
| Retained earnings to average equity (ytd only) | 3.6925% | 3,226 |
| Net charge-offs to loans | -0.9863% | 8,038 |
| Credit loss provision to net charge-offs | 5.5582% | 6,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2143% | 1,050 |
| Assets per employee ($millions) | 12.8043% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 4,388 |
| Loan loss allowance to noncurrent loans | 35.5389% | 6,039 |
| Noncurrent assets plus other real estate owned to assets | 1.9922% | 3,357 |
| Noncurrent loans to loans | 3.7091% | 2,008 |
| Net loans and leases to total assets | 52.0474% | 6,592 |
| Net loans and leases to deposits | 60.7558% | 6,769 |
| Net loans and leases to core deposits | 138.1319% | 1,006 |
| Total domestic deposits to total assets | 84.9397% | 3,268 |
| Equity capital to assets | 7.1459% | 7,524 |
| Core capital (leverage) ratio | 6.4240% | 7,696 |
| Tier 1 risk-based capital ratio | 12.8037% | 4,322 |
| Total risk-based capital ratio | 14.0545% | 4,261 |
| Memoranda: | ||
| Average total assets | $616,438,750 | 1,138 |
| Average earning assets | $605,495,500 | 1,046 |
| Average equity | $34,339,000 | 1,978 |
| Average total loans | $289,438,000 | 1,675 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8204% | 7,961 |
| Cost of funding earning assets | 1.6416% | 5,555 |
| Net interest margin | 2.1788% | 7,763 |
| Noninterest income to average assets | 0.0676% | 7,648 |
| Noninterest expense to average assets | 2.4136% | 6,418 |
| Loan and lease loss provision to assets | -0.0940% | 8,162 |
| Net operating income to assets | -0.0950% | 5,997 |
| Return on assets (ROA) | 0.1346% | 5,567 |
| Pretax return on assets | 0.1577% | 5,556 |
| Return on Equity (ROE) | 2.6581% | 5,033 |
| Retained earnings to average equity (ytd only) | 2.6581% | 3,850 |
| Net charge-offs to loans | -0.5412% | 8,104 |
| Credit loss provision to net charge-offs | 38.5224% | 5,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.7960% | 947 |
| Assets per employee ($millions) | 13.6705% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8693% | 6,906 |
| Loan loss allowance to noncurrent loans | 44.5877% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 0.9373% | 5,102 |
| Noncurrent loans to loans | 1.9496% | 3,597 |
| Net loans and leases to total assets | 47.6584% | 7,063 |
| Net loans and leases to deposits | 54.1598% | 7,262 |
| Net loans and leases to core deposits | 105.2222% | 3,931 |
| Total domestic deposits to total assets | 87.2862% | 2,104 |
| Equity capital to assets | 5.0881% | 8,029 |
| Core capital (leverage) ratio | 5.0295% | 8,026 |
| Tier 1 risk-based capital ratio | 9.8300% | 7,102 |
| Total risk-based capital ratio | 10.6829% | 7,410 |
| Memoranda: | ||
| Average total assets | $621,318,330 | 1,148 |
| Average earning assets | $610,140,670 | 1,053 |
| Average equity | $31,450,670 | 2,151 |
| Average total loans | $280,115,670 | 1,771 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8377% | 8,030 |
| Cost of funding earning assets | 1.8799% | 4,741 |
| Net interest margin | 1.9578% | 7,914 |
| Noninterest income to average assets | 0.0486% | 7,840 |
| Noninterest expense to average assets | 2.4872% | 5,886 |
| Loan and lease loss provision to assets | -0.3018% | 8,220 |
| Net operating income to assets | -0.1974% | 6,552 |
| Return on assets (ROA) | 0.2435% | 5,677 |
| Pretax return on assets | 0.2649% | 5,772 |
| Return on Equity (ROE) | 4.8239% | 4,544 |
| Retained earnings to average equity (ytd only) | 4.8239% | 3,222 |
| Net charge-offs to loans | -1.1286% | 8,164 |
| Credit loss provision to net charge-offs | 61.3966% | 4,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.3322% | 590 |
| Assets per employee ($millions) | 13.3843% | 134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8658% | 6,893 |
| Loan loss allowance to noncurrent loans | 41.0535% | 5,807 |
| Noncurrent assets plus other real estate owned to assets | 0.9308% | 4,862 |
| Noncurrent loans to loans | 2.1090% | 3,103 |
| Net loans and leases to total assets | 43.7529% | 7,362 |
| Net loans and leases to deposits | 49.6187% | 7,514 |
| Net loans and leases to core deposits | 88.9654% | 5,651 |
| Total domestic deposits to total assets | 87.4762% | 1,979 |
| Equity capital to assets | 5.0555% | 8,113 |
| Core capital (leverage) ratio | 4.9786% | 8,128 |
| Tier 1 risk-based capital ratio | 9.9071% | 7,030 |
| Total risk-based capital ratio | 10.7195% | 7,402 |
| Memoranda: | ||
| Average total assets | $617,555,500 | 1,153 |
| Average earning assets | $606,404,000 | 1,059 |
| Average equity | $31,178,000 | 2,179 |
| Average total loans | $269,011,000 | 1,847 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6391% | 7,994 |
| Cost of funding earning assets | 2.5797% | 3,795 |
| Net interest margin | 2.0594% | 8,035 |
| Noninterest income to average assets | 0.0500% | 7,891 |
| Noninterest expense to average assets | 3.4373% | 2,560 |
| Loan and lease loss provision to assets | 2.2959% | 490 |
| Net operating income to assets | -3.7049% | 7,945 |
| Return on assets (ROA) | -3.4872% | 7,890 |
| Pretax return on assets | -3.4665% | 7,802 |
| Return on Equity (ROE) | -48.4743% | 8,145 |
| Retained earnings to average equity (ytd only) | -48.4743% | 8,128 |
| Net charge-offs to loans | 5.5157% | 77 |
| Credit loss provision to net charge-offs | 111.9956% | 4,817 |
| Earnings coverage of net charge-offs (x) | -0.6773% | 6,532 |
| Efficiency ratio | 163.5611% | 303 |
| Assets per employee ($millions) | 11.6209% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8496% | 6,905 |
| 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 | 42.5732% | 7,552 |
| Net loans and leases to deposits | 48.9021% | 7,676 |
| Net loans and leases to core deposits | 72.7517% | 7,032 |
| Total domestic deposits to total assets | 86.2975% | 2,263 |
| Equity capital to assets | 5.0411% | 8,184 |
| Core capital (leverage) ratio | 5.5865% | 8,150 |
| Tier 1 risk-based capital ratio | 11.1142% | 5,630 |
| Total risk-based capital ratio | 11.9344% | 5,924 |
| Memoranda: | ||
| Average total assets | $483,517,600 | 1,416 |
| Average earning assets | $469,312,200 | 1,319 |
| Average equity | $34,783,400 | 1,946 |
| Average total loans | $179,704,000 | 2,502 |