Home > MountainOne Bank > Performance and Condition Ratios
MountainOne 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 | 5.5331% | 1,117 |
| Cost of funding earning assets | 1.7834% | 1,274 |
| Net interest margin | 3.7497% | 1,646 |
| Noninterest income to average assets | 1.8600% | 293 |
| Noninterest expense to average assets | 3.7166% | 459 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.0967% | 1,933 |
| Return on assets (ROA) | 1.0969% | 1,901 |
| Pretax return on assets | 1.4797% | 1,472 |
| Return on Equity (ROE) | 7.7300% | 3,095 |
| Retained earnings to average equity (ytd only) | 7.7266% | 1,618 |
| Net charge-offs to loans | 0.0835% | 1,030 |
| Credit loss provision to net charge-offs | 144.6281% | 1,501 |
| Earnings coverage of net charge-offs (x) | 24.0810% | 1,772 |
| Efficiency ratio | 70.2421% | 1,848 |
| Assets per employee ($millions) | 5.5287% | 3,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 2,348 |
| Loan loss allowance to noncurrent loans | 458.7277% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.1975% | 2,235 |
| Noncurrent loans to loans | 0.2597% | 2,253 |
| Net loans and leases to total assets | 75.1300% | 1,225 |
| Net loans and leases to deposits | 103.3034% | 397 |
| Net loans and leases to core deposits | 166.3504% | 131 |
| Total domestic deposits to total assets | 72.7300% | 4,187 |
| Equity capital to assets | 14.3809% | 620 |
| Core capital (leverage) ratio | 14.5964% | 687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0398% | 911 |
| Memoranda: | ||
| Average total assets | $961,809,400 | 1,020 |
| Average earning assets | $864,520,800 | 1,039 |
| Average equity | $136,541,800 | 726 |
| Average total loans | $724,787,200 | 927 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5041% | 1,012 |
| Cost of funding earning assets | 1.6792% | 1,216 |
| Net interest margin | 3.8248% | 1,546 |
| Noninterest income to average assets | 1.9200% | 293 |
| Noninterest expense to average assets | 3.7673% | 430 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 1.1961% | 1,809 |
| Return on assets (ROA) | 1.1963% | 1,795 |
| Pretax return on assets | 1.6174% | 1,315 |
| Return on Equity (ROE) | 8.4600% | 3,072 |
| Retained earnings to average equity (ytd only) | 8.4555% | 1,823 |
| Net charge-offs to loans | 0.0374% | 1,360 |
| Credit loss provision to net charge-offs | 186.5672% | 1,165 |
| Earnings coverage of net charge-offs (x) | 56.8557% | 1,238 |
| Efficiency ratio | 69.4258% | 1,851 |
| Assets per employee ($millions) | 5.4697% | 3,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2109% | 2,305 |
| Loan loss allowance to noncurrent loans | 516.0880% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 2,408 |
| Noncurrent loans to loans | 0.2346% | 2,410 |
| Net loans and leases to total assets | 74.3100% | 1,307 |
| Net loans and leases to deposits | 95.6643% | 776 |
| Net loans and leases to core deposits | 165.5923% | 87 |
| Total domestic deposits to total assets | 77.6800% | 3,856 |
| Equity capital to assets | 13.9963% | 653 |
| Core capital (leverage) ratio | 14.3989% | 732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1911% | 922 |
| Memoranda: | ||
| Average total assets | $953,470,000 | 1,029 |
| Average earning assets | $858,157,750 | 1,048 |
| Average equity | $134,898,750 | 728 |
| Average total loans | $716,809,250 | 936 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4306% | 921 |
| Cost of funding earning assets | 1.5539% | 1,156 |
| Net interest margin | 3.8767% | 1,470 |
| Noninterest income to average assets | 1.9800% | 243 |
| Noninterest expense to average assets | 3.7749% | 412 |
| Loan and lease loss provision to assets | -0.0700% | 4,532 |
| Net operating income to assets | 1.2975% | 1,577 |
| Return on assets (ROA) | 1.2979% | 1,560 |
| Pretax return on assets | 1.7574% | 1,099 |
| Return on Equity (ROE) | 9.1400% | 2,946 |
| Retained earnings to average equity (ytd only) | 9.1395% | 1,652 |
| Net charge-offs to loans | -0.0884% | 4,491 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.2841% | 1,950 |
| Assets per employee ($millions) | 5.3884% | 3,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2436% | 2,206 |
| Loan loss allowance to noncurrent loans | 413.2671% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 2,042 |
| Noncurrent loans to loans | 0.3009% | 2,054 |
| Net loans and leases to total assets | 74.9800% | 1,164 |
| Net loans and leases to deposits | 101.0835% | 474 |
| Net loans and leases to core deposits | 147.6002% | 153 |
| Total domestic deposits to total assets | 74.1800% | 4,184 |
| Equity capital to assets | 14.1166% | 633 |
| Core capital (leverage) ratio | 14.3677% | 706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8566% | 978 |
| Memoranda: | ||
| Average total assets | $944,933,333 | 1,025 |
| Average earning assets | $850,774,333 | 1,051 |
| Average equity | $134,186,667 | 727 |
| Average total loans | $710,262,000 | 926 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4029% | 712 |
| Cost of funding earning assets | 1.3499% | 1,132 |
| Net interest margin | 4.0530% | 1,170 |
| Noninterest income to average assets | 2.1900% | 214 |
| Noninterest expense to average assets | 3.8419% | 397 |
| Loan and lease loss provision to assets | -0.0900% | 4,566 |
| Net operating income to assets | 1.5376% | 1,100 |
| Return on assets (ROA) | 1.5383% | 1,087 |
| Pretax return on assets | 2.0947% | 663 |
| Return on Equity (ROE) | 10.8000% | 2,542 |
| Retained earnings to average equity (ytd only) | 10.7995% | 1,513 |
| Net charge-offs to loans | -0.3884% | 4,644 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.0195% | 2,326 |
| Assets per employee ($millions) | 5.2650% | 3,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 2,040 |
| Loan loss allowance to noncurrent loans | 418.0036% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.2328% | 1,952 |
| Noncurrent loans to loans | 0.3109% | 2,034 |
| Net loans and leases to total assets | 73.9000% | 1,217 |
| Net loans and leases to deposits | 98.7389% | 497 |
| Net loans and leases to core deposits | 137.1143% | 207 |
| Total domestic deposits to total assets | 74.8500% | 4,232 |
| Equity capital to assets | 14.4238% | 539 |
| Core capital (leverage) ratio | 14.5855% | 644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5623% | 1,059 |
| Memoranda: | ||
| Average total assets | $932,445,500 | 1,057 |
| Average earning assets | $839,777,000 | 1,081 |
| Average equity | $132,821,000 | 740 |
| Average total loans | $697,189,000 | 961 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4575% | 785 |
| Cost of funding earning assets | 0.4997% | 1,390 |
| Net interest margin | 3.9578% | 843 |
| Noninterest income to average assets | 2.1800% | 219 |
| Noninterest expense to average assets | 3.9580% | 344 |
| Loan and lease loss provision to assets | -0.2400% | 4,645 |
| Net operating income to assets | 1.4928% | 895 |
| Return on assets (ROA) | 1.4928% | 862 |
| Pretax return on assets | 2.0325% | 443 |
| Return on Equity (ROE) | 10.4200% | 2,671 |
| Retained earnings to average equity (ytd only) | 10.4190% | 1,036 |
| Net charge-offs to loans | -0.0281% | 4,176 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.9509% | 1,973 |
| Assets per employee ($millions) | 5.3321% | 3,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7434% | 742 |
| Loan loss allowance to noncurrent loans | 600.9510% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 2,079 |
| Noncurrent loans to loans | 0.2901% | 2,106 |
| Net loans and leases to total assets | 73.3600% | 1,276 |
| Net loans and leases to deposits | 95.2746% | 693 |
| Net loans and leases to core deposits | 122.9025% | 320 |
| Total domestic deposits to total assets | 77.0000% | 4,173 |
| Equity capital to assets | 14.0611% | 573 |
| Core capital (leverage) ratio | 14.5046% | 636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4531% | 1,057 |
| Memoranda: | ||
| Average total assets | $891,653,800 | 1,086 |
| Average earning assets | $805,047,000 | 1,107 |
| Average equity | $127,756,600 | 773 |
| Average total loans | $652,153,800 | 962 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1930% | 906 |
| Cost of funding earning assets | 0.3560% | 1,654 |
| Net interest margin | 3.8370% | 897 |
| Noninterest income to average assets | 2.3200% | 226 |
| Noninterest expense to average assets | 3.9890% | 330 |
| Loan and lease loss provision to assets | -0.1700% | 4,653 |
| Net operating income to assets | 1.4420% | 972 |
| Return on assets (ROA) | 1.4420% | 950 |
| Pretax return on assets | 1.9619% | 508 |
| Return on Equity (ROE) | 10.0200% | 2,717 |
| Retained earnings to average equity (ytd only) | 10.0153% | 1,334 |
| Net charge-offs to loans | -0.1887% | 4,632 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.1277% | 1,997 |
| Assets per employee ($millions) | 4.9351% | 3,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1045% | 408 |
| Loan loss allowance to noncurrent loans | 980.2998% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.1604% | 2,494 |
| Noncurrent loans to loans | 0.2147% | 2,534 |
| Net loans and leases to total assets | 73.1400% | 1,170 |
| Net loans and leases to deposits | 90.3245% | 872 |
| Net loans and leases to core deposits | 105.5918% | 597 |
| Total domestic deposits to total assets | 80.9700% | 3,986 |
| Equity capital to assets | 14.3375% | 532 |
| Core capital (leverage) ratio | 14.3531% | 629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5454% | 1,080 |
| Memoranda: | ||
| Average total assets | $883,952,000 | 1,098 |
| Average earning assets | $798,413,750 | 1,117 |
| Average equity | $127,268,750 | 783 |
| Average total loans | $643,014,000 | 974 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8323% | 1,242 |
| Cost of funding earning assets | 0.2919% | 1,788 |
| Net interest margin | 3.5403% | 1,204 |
| Noninterest income to average assets | 2.3483% | 196 |
| Noninterest expense to average assets | 3.9271% | 294 |
| Loan and lease loss provision to assets | -0.0901% | 4,579 |
| Net operating income to assets | 1.2673% | 1,229 |
| Return on assets (ROA) | 1.2673% | 1,211 |
| Pretax return on assets | 1.7200% | 716 |
| Return on Equity (ROE) | 8.7897% | 2,758 |
| Retained earnings to average equity (ytd only) | 8.7897% | 1,348 |
| Net charge-offs to loans | -0.0928% | 4,419 |
| Credit loss provision to net charge-offs | 134.6801% | 1,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8138% | 1,987 |
| Assets per employee ($millions) | 5.0039% | 3,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1276% | 424 |
| Loan loss allowance to noncurrent loans | 695.5712% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.2284% | 2,177 |
| Noncurrent loans to loans | 0.3059% | 2,235 |
| Net loans and leases to total assets | 70.5881% | 1,246 |
| Net loans and leases to deposits | 84.5739% | 1,083 |
| Net loans and leases to core deposits | 97.6051% | 771 |
| Total domestic deposits to total assets | 83.4633% | 3,793 |
| Equity capital to assets | 14.1176% | 495 |
| Core capital (leverage) ratio | 14.0333% | 628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9976% | 1,190 |
| Memoranda: | ||
| Average total assets | $887,432,000 | 1,089 |
| Average earning assets | $804,272,667 | 1,118 |
| Average equity | $127,945,000 | 784 |
| Average total loans | $639,813,333 | 969 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6848% | 1,304 |
| Cost of funding earning assets | 0.2928% | 1,724 |
| Net interest margin | 3.3920% | 1,320 |
| Noninterest income to average assets | 2.5836% | 178 |
| Noninterest expense to average assets | 3.9319% | 293 |
| Loan and lease loss provision to assets | -0.1817% | 4,675 |
| Net operating income to assets | 1.4046% | 790 |
| Return on assets (ROA) | 1.4046% | 784 |
| Pretax return on assets | 1.9105% | 433 |
| Return on Equity (ROE) | 9.6401% | 2,108 |
| Retained earnings to average equity (ytd only) | 9.6401% | 1,112 |
| Net charge-offs to loans | -0.1928% | 4,595 |
| Credit loss provision to net charge-offs | 130.7190% | 900 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6081% | 2,429 |
| Assets per employee ($millions) | 5.2505% | 3,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1995% | 439 |
| Loan loss allowance to noncurrent loans | 672.6654% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.2425% | 2,186 |
| Noncurrent loans to loans | 0.3270% | 2,307 |
| Net loans and leases to total assets | 70.1314% | 1,008 |
| Net loans and leases to deposits | 84.5660% | 850 |
| Net loans and leases to core deposits | 97.9297% | 579 |
| Total domestic deposits to total assets | 82.9310% | 3,951 |
| Equity capital to assets | 14.5793% | 437 |
| Core capital (leverage) ratio | 13.5481% | 661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8433% | 1,069 |
| Memoranda: | ||
| Average total assets | $880,796,500 | 1,101 |
| Average earning assets | $799,061,500 | 1,126 |
| Average equity | $128,338,500 | 799 |
| Average total loans | $634,915,000 | 970 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8476% | 1,748 |
| Cost of funding earning assets | 0.3724% | 1,739 |
| Net interest margin | 3.4752% | 1,807 |
| Noninterest income to average assets | 1.9650% | 327 |
| Noninterest expense to average assets | 3.5613% | 445 |
| Loan and lease loss provision to assets | -0.2443% | 4,746 |
| Net operating income to assets | 1.3296% | 1,520 |
| Return on assets (ROA) | 1.3296% | 1,556 |
| Pretax return on assets | 1.8095% | 896 |
| Return on Equity (ROE) | 9.4958% | 2,719 |
| Retained earnings to average equity (ytd only) | 9.4958% | 1,044 |
| Net charge-offs to loans | 0.1045% | 834 |
| Credit loss provision to net charge-offs | -305.8321% | 3,617 |
| Earnings coverage of net charge-offs (x) | 19.5974% | 1,869 |
| Efficiency ratio | 69.3622% | 1,810 |
| Assets per employee ($millions) | 5.7081% | 3,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1719% | 465 |
| Loan loss allowance to noncurrent loans | 420.1267% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.3825% | 1,698 |
| Noncurrent loans to loans | 0.5170% | 1,830 |
| Net loans and leases to total assets | 70.8827% | 938 |
| Net loans and leases to deposits | 85.6907% | 811 |
| Net loans and leases to core deposits | 99.4452% | 560 |
| Total domestic deposits to total assets | 82.7192% | 3,856 |
| Equity capital to assets | 14.5623% | 564 |
| Core capital (leverage) ratio | 14.0964% | 604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2487% | 861 |
| Memoranda: | ||
| Average total assets | $880,202,600 | 1,062 |
| Average earning assets | $800,754,000 | 1,090 |
| Average equity | $123,243,400 | 839 |
| Average total loans | $672,819,400 | 910 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8940% | 1,784 |
| Cost of funding earning assets | 0.3942% | 1,739 |
| Net interest margin | 3.4998% | 1,863 |
| Noninterest income to average assets | 2.0658% | 328 |
| Noninterest expense to average assets | 3.5575% | 424 |
| Loan and lease loss provision to assets | 0.0304% | 2,386 |
| Net operating income to assets | 1.2242% | 2,091 |
| Return on assets (ROA) | 1.2242% | 2,145 |
| Pretax return on assets | 1.6623% | 1,517 |
| Return on Equity (ROE) | 8.8318% | 3,158 |
| Retained earnings to average equity (ytd only) | 8.8318% | 1,757 |
| Net charge-offs to loans | 0.1263% | 627 |
| Credit loss provision to net charge-offs | 31.0078% | 1,951 |
| Earnings coverage of net charge-offs (x) | 17.3023% | 1,819 |
| Efficiency ratio | 67.6556% | 1,879 |
| Assets per employee ($millions) | 5.6985% | 2,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5304% | 276 |
| Loan loss allowance to noncurrent loans | 418.2074% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.4530% | 1,672 |
| Noncurrent loans to loans | 0.6050% | 1,794 |
| Net loans and leases to total assets | 71.6837% | 900 |
| Net loans and leases to deposits | 86.4351% | 803 |
| Net loans and leases to core deposits | 102.6708% | 503 |
| Total domestic deposits to total assets | 82.9336% | 3,724 |
| Equity capital to assets | 14.3065% | 668 |
| Core capital (leverage) ratio | 13.6330% | 712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2304% | 921 |
| Memoranda: | ||
| Average total assets | $879,063,750 | 1,074 |
| Average earning assets | $799,837,750 | 1,097 |
| Average equity | $121,844,000 | 863 |
| Average total loans | $680,758,500 | 920 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9472% | 1,687 |
| Cost of funding earning assets | 0.4199% | 1,739 |
| Net interest margin | 3.5274% | 1,782 |
| Noninterest income to average assets | 2.2172% | 286 |
| Noninterest expense to average assets | 3.5804% | 419 |
| Loan and lease loss provision to assets | 0.0455% | 2,104 |
| Net operating income to assets | 1.3232% | 1,794 |
| Return on assets (ROA) | 1.3232% | 1,860 |
| Pretax return on assets | 1.8007% | 1,230 |
| Return on Equity (ROE) | 9.6494% | 2,890 |
| Retained earnings to average equity (ytd only) | 9.6494% | 1,510 |
| Net charge-offs to loans | 0.1871% | 455 |
| Credit loss provision to net charge-offs | 30.8642% | 1,696 |
| Earnings coverage of net charge-offs (x) | 12.5293% | 1,720 |
| Efficiency ratio | 65.8789% | 2,179 |
| Assets per employee ($millions) | 5.7464% | 2,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4214% | 303 |
| Loan loss allowance to noncurrent loans | 385.6401% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.4832% | 1,738 |
| Noncurrent loans to loans | 0.6279% | 1,840 |
| Net loans and leases to total assets | 73.8741% | 767 |
| Net loans and leases to deposits | 88.9605% | 715 |
| Net loans and leases to core deposits | 108.7773% | 393 |
| Total domestic deposits to total assets | 83.0415% | 3,699 |
| Equity capital to assets | 13.8697% | 740 |
| Core capital (leverage) ratio | 13.3772% | 730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7070% | 1,005 |
| Memoranda: | ||
| Average total assets | $879,563,000 | 1,074 |
| Average earning assets | $800,254,000 | 1,090 |
| Average equity | $120,609,000 | 865 |
| Average total loans | $692,543,667 | 910 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0002% | 1,612 |
| Cost of funding earning assets | 0.4529% | 1,697 |
| Net interest margin | 3.5473% | 1,705 |
| Noninterest income to average assets | 2.1291% | 341 |
| Noninterest expense to average assets | 3.6037% | 408 |
| Loan and lease loss provision to assets | 0.0687% | 1,777 |
| Net operating income to assets | 1.2362% | 2,021 |
| Return on assets (ROA) | 1.2362% | 2,108 |
| Pretax return on assets | 1.6792% | 1,539 |
| Return on Equity (ROE) | 9.0679% | 3,012 |
| Retained earnings to average equity (ytd only) | 9.0679% | 1,933 |
| Net charge-offs to loans | 0.4173% | 199 |
| Credit loss provision to net charge-offs | 20.4918% | 1,420 |
| Earnings coverage of net charge-offs (x) | 5.2172% | 1,691 |
| Efficiency ratio | 67.2368% | 2,037 |
| Assets per employee ($millions) | 5.5933% | 3,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2970% | 366 |
| Loan loss allowance to noncurrent loans | 287.3824% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.6574% | 1,443 |
| Noncurrent loans to loans | 0.7993% | 1,659 |
| Net loans and leases to total assets | 77.9424% | 471 |
| Net loans and leases to deposits | 93.5220% | 521 |
| Net loans and leases to core deposits | 119.0489% | 253 |
| Total domestic deposits to total assets | 83.3413% | 3,607 |
| Equity capital to assets | 13.5983% | 770 |
| Core capital (leverage) ratio | 13.3602% | 765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2627% | 1,030 |
| Memoranda: | ||
| Average total assets | $873,995,000 | 1,069 |
| Average earning assets | $793,957,500 | 1,087 |
| Average equity | $119,145,000 | 869 |
| Average total loans | $701,653,500 | 899 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3513% | 1,717 |
| Cost of funding earning assets | 0.7805% | 1,299 |
| Net interest margin | 3.5708% | 2,245 |
| Noninterest income to average assets | 1.7400% | 415 |
| Noninterest expense to average assets | 3.3247% | 880 |
| Loan and lease loss provision to assets | 0.9599% | 108 |
| Net operating income to assets | 0.5296% | 3,966 |
| Return on assets (ROA) | 0.5309% | 4,051 |
| Pretax return on assets | 0.6986% | 3,883 |
| Return on Equity (ROE) | 4.1059% | 4,134 |
| Retained earnings to average equity (ytd only) | 4.1059% | 2,758 |
| Net charge-offs to loans | 0.2066% | 843 |
| Credit loss provision to net charge-offs | 584.2391% | 1,123 |
| Earnings coverage of net charge-offs (x) | 10.0849% | 2,487 |
| Efficiency ratio | 66.6308% | 2,419 |
| Assets per employee ($millions) | 5.5401% | 2,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4025% | 296 |
| Loan loss allowance to noncurrent loans | 234.3811% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.8363% | 1,199 |
| Noncurrent loans to loans | 1.0251% | 1,387 |
| Net loans and leases to total assets | 78.8577% | 511 |
| Net loans and leases to deposits | 95.9088% | 558 |
| Net loans and leases to core deposits | 125.7377% | 246 |
| Total domestic deposits to total assets | 82.2215% | 3,617 |
| Equity capital to assets | 13.6669% | 885 |
| Core capital (leverage) ratio | 12.8123% | 948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4922% | 1,154 |
| Memoranda: | ||
| Average total assets | $895,910,600 | 971 |
| Average earning assets | $813,312,200 | 988 |
| Average equity | $115,832,400 | 853 |
| Average total loans | $712,374,400 | 860 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3909% | 1,873 |
| Cost of funding earning assets | 0.8468% | 1,272 |
| Net interest margin | 3.5441% | 2,441 |
| Noninterest income to average assets | 1.7237% | 393 |
| Noninterest expense to average assets | 3.3088% | 897 |
| Loan and lease loss provision to assets | 0.9146% | 170 |
| Net operating income to assets | 0.5451% | 3,919 |
| Return on assets (ROA) | 0.5463% | 4,010 |
| Pretax return on assets | 0.7209% | 3,854 |
| Return on Equity (ROE) | 4.2835% | 4,101 |
| Retained earnings to average equity (ytd only) | 4.2835% | 2,903 |
| Net charge-offs to loans | 0.1546% | 948 |
| Credit loss provision to net charge-offs | 746.9880% | 1,030 |
| Earnings coverage of net charge-offs (x) | 13.3458% | 2,202 |
| Efficiency ratio | 66.8338% | 2,341 |
| Assets per employee ($millions) | 5.5003% | 2,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0849% | 430 |
| Loan loss allowance to noncurrent loans | 232.7805% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.7545% | 1,539 |
| Noncurrent loans to loans | 0.8957% | 1,672 |
| Net loans and leases to total assets | 77.7205% | 868 |
| Net loans and leases to deposits | 93.4333% | 971 |
| Net loans and leases to core deposits | 130.8294% | 237 |
| Total domestic deposits to total assets | 83.1828% | 3,096 |
| Equity capital to assets | 12.8998% | 1,227 |
| Core capital (leverage) ratio | 12.4071% | 1,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1778% | 1,214 |
| Memoranda: | ||
| Average total assets | $903,825,000 | 950 |
| Average earning assets | $820,952,250 | 969 |
| Average equity | $115,261,250 | 849 |
| Average total loans | $715,891,250 | 856 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5566% | 1,769 |
| Cost of funding earning assets | 0.9482% | 1,158 |
| Net interest margin | 3.6084% | 2,456 |
| Noninterest income to average assets | 1.6976% | 367 |
| Noninterest expense to average assets | 3.3331% | 946 |
| Loan and lease loss provision to assets | 0.8420% | 278 |
| Net operating income to assets | 0.5985% | 3,744 |
| Return on assets (ROA) | 0.6003% | 3,813 |
| Pretax return on assets | 0.7964% | 3,598 |
| Return on Equity (ROE) | 4.7254% | 3,909 |
| Retained earnings to average equity (ytd only) | 4.7254% | 2,597 |
| Net charge-offs to loans | 0.1097% | 1,196 |
| Credit loss provision to net charge-offs | 969.3878% | 812 |
| Earnings coverage of net charge-offs (x) | 18.8367% | 1,751 |
| Efficiency ratio | 66.9669% | 2,384 |
| Assets per employee ($millions) | 5.6235% | 2,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7878% | 675 |
| Loan loss allowance to noncurrent loans | 431.9219% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.4503% | 2,519 |
| Noncurrent loans to loans | 0.4139% | 2,927 |
| Net loans and leases to total assets | 77.7728% | 881 |
| Net loans and leases to deposits | 96.9615% | 727 |
| Net loans and leases to core deposits | 132.2016% | 237 |
| Total domestic deposits to total assets | 80.2100% | 3,789 |
| Equity capital to assets | 12.5952% | 1,339 |
| Core capital (leverage) ratio | 12.2101% | 1,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4856% | 1,370 |
| Memoranda: | ||
| Average total assets | $902,585,667 | 939 |
| Average earning assets | $818,377,333 | 953 |
| Average equity | $114,658,000 | 851 |
| Average total loans | $714,399,667 | 843 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8199% | 1,375 |
| Cost of funding earning assets | 1.1251% | 970 |
| Net interest margin | 3.6948% | 2,342 |
| Noninterest income to average assets | 1.8142% | 301 |
| Noninterest expense to average assets | 3.4957% | 942 |
| Loan and lease loss provision to assets | 0.5153% | 568 |
| Net operating income to assets | 0.8549% | 2,685 |
| Return on assets (ROA) | 0.8549% | 2,783 |
| Pretax return on assets | 1.1519% | 2,359 |
| Return on Equity (ROE) | 6.7002% | 3,070 |
| Retained earnings to average equity (ytd only) | 6.7002% | 1,649 |
| Net charge-offs to loans | 0.0402% | 1,637 |
| Credit loss provision to net charge-offs | 1,619.7183% | 399 |
| Earnings coverage of net charge-offs (x) | 52.4085% | 869 |
| Efficiency ratio | 67.6039% | 2,734 |
| Assets per employee ($millions) | 5.4773% | 2,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5228% | 1,267 |
| Loan loss allowance to noncurrent loans | 433.9806% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.4034% | 2,840 |
| Noncurrent loans to loans | 0.3509% | 3,227 |
| Net loans and leases to total assets | 77.7042% | 1,022 |
| Net loans and leases to deposits | 104.8935% | 335 |
| Net loans and leases to core deposits | 154.5620% | 99 |
| Total domestic deposits to total assets | 74.0791% | 4,655 |
| Equity capital to assets | 12.9016% | 1,486 |
| Core capital (leverage) ratio | 12.4231% | 1,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7643% | 1,669 |
| Memoranda: | ||
| Average total assets | $892,747,500 | 915 |
| Average earning assets | $809,139,500 | 935 |
| Average equity | $113,906,500 | 842 |
| Average total loans | $706,436,500 | 832 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9797% | 1,531 |
| Cost of funding earning assets | 1.3034% | 763 |
| Net interest margin | 3.6763% | 2,881 |
| Noninterest income to average assets | 1.4635% | 432 |
| Noninterest expense to average assets | 3.4155% | 1,085 |
| Loan and lease loss provision to assets | 0.1797% | 1,160 |
| Net operating income to assets | 0.8909% | 3,244 |
| Return on assets (ROA) | 0.8945% | 3,310 |
| Pretax return on assets | 1.2076% | 2,815 |
| Return on Equity (ROE) | 7.3545% | 3,419 |
| Retained earnings to average equity (ytd only) | 7.3545% | 1,232 |
| Net charge-offs to loans | 0.2588% | 800 |
| Credit loss provision to net charge-offs | 86.8621% | 2,698 |
| Earnings coverage of net charge-offs (x) | 6.6835% | 2,950 |
| Efficiency ratio | 71.0684% | 2,013 |
| Assets per employee ($millions) | 5.5104% | 2,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3619% | 1,662 |
| Loan loss allowance to noncurrent loans | 355.6211% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.4680% | 2,533 |
| Noncurrent loans to loans | 0.3830% | 3,066 |
| Net loans and leases to total assets | 78.2747% | 1,035 |
| Net loans and leases to deposits | 105.6112% | 313 |
| Net loans and leases to core deposits | 155.7804% | 95 |
| Total domestic deposits to total assets | 74.1159% | 4,766 |
| Equity capital to assets | 12.6166% | 1,758 |
| Core capital (leverage) ratio | 12.2498% | 1,627 |
| Tier 1 risk-based capital ratio | 14.3783% | 3,078 |
| Total risk-based capital ratio | 15.6290% | 2,988 |
| Memoranda: | ||
| Average total assets | $890,254,800 | 886 |
| Average earning assets | $807,572,800 | 900 |
| Average equity | $108,273,200 | 840 |
| Average total loans | $711,872,400 | 798 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9988% | 1,543 |
| Cost of funding earning assets | 1.3213% | 740 |
| Net interest margin | 3.6775% | 3,002 |
| Noninterest income to average assets | 1.4695% | 421 |
| Noninterest expense to average assets | 3.4665% | 986 |
| Loan and lease loss provision to assets | 0.0674% | 2,534 |
| Net operating income to assets | 0.9406% | 3,204 |
| Return on assets (ROA) | 0.9430% | 3,267 |
| Pretax return on assets | 1.2746% | 2,740 |
| Return on Equity (ROE) | 7.8268% | 3,371 |
| Retained earnings to average equity (ytd only) | 7.8268% | 1,482 |
| Net charge-offs to loans | 0.0814% | 1,668 |
| Credit loss provision to net charge-offs | 103.4483% | 2,185 |
| Earnings coverage of net charge-offs (x) | 20.5401% | 1,954 |
| Efficiency ratio | 72.0225% | 1,833 |
| Assets per employee ($millions) | 5.5832% | 1,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3797% | 1,650 |
| Loan loss allowance to noncurrent loans | 223.7407% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.6215% | 2,143 |
| Noncurrent loans to loans | 0.6166% | 2,430 |
| Net loans and leases to total assets | 78.7646% | 1,025 |
| Net loans and leases to deposits | 109.5767% | 233 |
| Net loans and leases to core deposits | 162.6221% | 80 |
| Total domestic deposits to total assets | 71.8808% | 4,924 |
| Equity capital to assets | 12.3464% | 2,010 |
| Core capital (leverage) ratio | 11.9456% | 1,888 |
| Tier 1 risk-based capital ratio | 13.9542% | 3,352 |
| Total risk-based capital ratio | 15.2051% | 3,268 |
| Memoranda: | ||
| Average total assets | $889,646,000 | 884 |
| Average earning assets | $807,050,500 | 895 |
| Average equity | $107,184,750 | 847 |
| Average total loans | $712,741,000 | 800 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9709% | 1,563 |
| Cost of funding earning assets | 1.3000% | 738 |
| Net interest margin | 3.6709% | 3,027 |
| Noninterest income to average assets | 1.4086% | 438 |
| Noninterest expense to average assets | 3.5190% | 938 |
| Loan and lease loss provision to assets | 0.0677% | 2,461 |
| Net operating income to assets | 0.8575% | 3,443 |
| Return on assets (ROA) | 0.8600% | 3,497 |
| Pretax return on assets | 1.1598% | 3,037 |
| Return on Equity (ROE) | 7.1979% | 3,601 |
| Retained earnings to average equity (ytd only) | 7.1979% | 1,726 |
| Net charge-offs to loans | 0.0681% | 1,681 |
| Credit loss provision to net charge-offs | 123.9669% | 1,707 |
| Earnings coverage of net charge-offs (x) | 22.4256% | 1,694 |
| Efficiency ratio | 74.0750% | 1,636 |
| Assets per employee ($millions) | 5.4160% | 2,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 1,635 |
| Loan loss allowance to noncurrent loans | 223.7517% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.5865% | 2,258 |
| Noncurrent loans to loans | 0.6234% | 2,391 |
| Net loans and leases to total assets | 78.6890% | 1,089 |
| Net loans and leases to deposits | 107.7147% | 280 |
| Net loans and leases to core deposits | 159.5105% | 98 |
| Total domestic deposits to total assets | 73.0532% | 4,903 |
| Equity capital to assets | 12.1359% | 2,090 |
| Core capital (leverage) ratio | 11.8497% | 1,918 |
| Tier 1 risk-based capital ratio | 13.7672% | 3,443 |
| Total risk-based capital ratio | 15.0184% | 3,335 |
| Memoranda: | ||
| Average total assets | $886,563,000 | 886 |
| Average earning assets | $805,359,670 | 894 |
| Average equity | $105,919,330 | 850 |
| Average total loans | $711,016,000 | 799 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9599% | 1,440 |
| Cost of funding earning assets | 1.2581% | 748 |
| Net interest margin | 3.7018% | 2,888 |
| Noninterest income to average assets | 1.5252% | 372 |
| Noninterest expense to average assets | 3.5079% | 960 |
| Loan and lease loss provision to assets | 0.0679% | 2,309 |
| Net operating income to assets | 0.9739% | 2,956 |
| Return on assets (ROA) | 0.9753% | 2,991 |
| Pretax return on assets | 1.3205% | 2,375 |
| Return on Equity (ROE) | 8.2291% | 3,155 |
| Retained earnings to average equity (ytd only) | 8.2291% | 1,583 |
| Net charge-offs to loans | 0.0524% | 1,536 |
| Credit loss provision to net charge-offs | 161.2903% | 1,185 |
| Earnings coverage of net charge-offs (x) | 32.9140% | 1,274 |
| Efficiency ratio | 71.5595% | 2,105 |
| Assets per employee ($millions) | 5.3121% | 2,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4088% | 1,648 |
| Loan loss allowance to noncurrent loans | 222.0808% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.5989% | 2,277 |
| Noncurrent loans to loans | 0.6344% | 2,426 |
| Net loans and leases to total assets | 79.4191% | 919 |
| Net loans and leases to deposits | 105.9838% | 321 |
| Net loans and leases to core deposits | 156.4198% | 105 |
| Total domestic deposits to total assets | 74.9352% | 4,865 |
| Equity capital to assets | 12.1040% | 1,962 |
| Core capital (leverage) ratio | 11.7018% | 1,978 |
| Tier 1 risk-based capital ratio | 13.5997% | 3,557 |
| Total risk-based capital ratio | 14.8509% | 3,465 |
| Memoranda: | ||
| Average total assets | $883,026,000 | 892 |
| Average earning assets | $803,720,500 | 899 |
| Average equity | $104,653,500 | 853 |
| Average total loans | $709,953,000 | 798 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6809% | 1,895 |
| Cost of funding earning assets | 1.0722% | 546 |
| Net interest margin | 3.6088% | 3,350 |
| Noninterest income to average assets | 1.4567% | 427 |
| Noninterest expense to average assets | 3.5008% | 992 |
| Loan and lease loss provision to assets | 0.1798% | 1,092 |
| Net operating income to assets | 0.7924% | 3,829 |
| Return on assets (ROA) | 0.7916% | 3,836 |
| Pretax return on assets | 1.0644% | 3,395 |
| Return on Equity (ROE) | 7.0742% | 3,801 |
| Retained earnings to average equity (ytd only) | 7.0742% | 1,640 |
| Net charge-offs to loans | 0.1161% | 1,590 |
| Credit loss provision to net charge-offs | 191.6168% | 1,493 |
| Earnings coverage of net charge-offs (x) | 13.2683% | 2,475 |
| Efficiency ratio | 73.6496% | 1,675 |
| Assets per employee ($millions) | 5.2636% | 2,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 1,697 |
| Loan loss allowance to noncurrent loans | 180.0947% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.6347% | 2,139 |
| Noncurrent loans to loans | 0.7692% | 2,076 |
| Net loans and leases to total assets | 79.1366% | 1,070 |
| Net loans and leases to deposits | 105.2485% | 406 |
| Net loans and leases to core deposits | 153.0480% | 123 |
| Total domestic deposits to total assets | 75.1902% | 4,851 |
| Equity capital to assets | 11.6031% | 2,174 |
| Core capital (leverage) ratio | 11.3942% | 2,184 |
| Tier 1 risk-based capital ratio | 13.1377% | 3,767 |
| Total risk-based capital ratio | 14.3886% | 3,651 |
| Memoranda: | ||
| Average total assets | $889,732,400 | 858 |
| Average earning assets | $810,971,000 | 869 |
| Average equity | $99,559,000 | 857 |
| Average total loans | $719,382,000 | 763 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6209% | 1,921 |
| Cost of funding earning assets | 1.0173% | 552 |
| Net interest margin | 3.6036% | 3,350 |
| Noninterest income to average assets | 1.5057% | 423 |
| Noninterest expense to average assets | 3.5383% | 934 |
| Loan and lease loss provision to assets | 0.1723% | 1,072 |
| Net operating income to assets | 0.8046% | 3,884 |
| Return on assets (ROA) | 0.8053% | 3,888 |
| Pretax return on assets | 1.0835% | 3,457 |
| Return on Equity (ROE) | 7.2636% | 3,834 |
| Retained earnings to average equity (ytd only) | 7.2636% | 1,995 |
| Net charge-offs to loans | 0.1182% | 1,325 |
| Credit loss provision to net charge-offs | 179.9687% | 1,499 |
| Earnings coverage of net charge-offs (x) | 13.1064% | 2,395 |
| Efficiency ratio | 73.7058% | 1,639 |
| Assets per employee ($millions) | 5.2783% | 2,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3627% | 1,839 |
| Loan loss allowance to noncurrent loans | 153.7173% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.7366% | 2,014 |
| Noncurrent loans to loans | 0.8865% | 1,926 |
| Net loans and leases to total assets | 79.1163% | 1,144 |
| Net loans and leases to deposits | 106.0809% | 438 |
| Net loans and leases to core deposits | 155.7208% | 104 |
| Total domestic deposits to total assets | 74.5811% | 4,929 |
| Equity capital to assets | 11.4477% | 2,303 |
| Core capital (leverage) ratio | 11.2191% | 2,400 |
| Tier 1 risk-based capital ratio | 13.2578% | 3,752 |
| Total risk-based capital ratio | 14.5087% | 3,665 |
| Memoranda: | ||
| Average total assets | $889,778,500 | 857 |
| Average earning assets | $811,768,250 | 863 |
| Average equity | $98,645,000 | 856 |
| Average total loans | $720,765,750 | 759 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5628% | 1,892 |
| Cost of funding earning assets | 0.9483% | 591 |
| Net interest margin | 3.6146% | 3,259 |
| Noninterest income to average assets | 1.5405% | 407 |
| Noninterest expense to average assets | 3.5902% | 876 |
| Loan and lease loss provision to assets | 0.1457% | 1,310 |
| Net operating income to assets | 0.8198% | 3,787 |
| Return on assets (ROA) | 0.8195% | 3,797 |
| Pretax return on assets | 1.1038% | 3,304 |
| Return on Equity (ROE) | 7.4716% | 3,737 |
| Retained earnings to average equity (ytd only) | 7.4716% | 1,854 |
| Net charge-offs to loans | 0.0449% | 1,968 |
| Credit loss provision to net charge-offs | 398.7730% | 825 |
| Earnings coverage of net charge-offs (x) | 34.2209% | 1,401 |
| Efficiency ratio | 74.0648% | 1,699 |
| Assets per employee ($millions) | 4.7668% | 2,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 2,002 |
| Loan loss allowance to noncurrent loans | 159.4128% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.6954% | 2,149 |
| Noncurrent loans to loans | 0.8386% | 2,047 |
| Net loans and leases to total assets | 79.5708% | 1,086 |
| Net loans and leases to deposits | 107.9870% | 349 |
| Net loans and leases to core deposits | 158.9538% | 79 |
| Total domestic deposits to total assets | 73.6855% | 5,074 |
| Equity capital to assets | 11.1632% | 2,486 |
| Core capital (leverage) ratio | 10.9966% | 2,529 |
| Tier 1 risk-based capital ratio | 12.7722% | 4,027 |
| Total risk-based capital ratio | 14.0227% | 3,930 |
| Memoranda: | ||
| Average total assets | $892,545,000 | 857 |
| Average earning assets | $814,756,330 | 863 |
| Average equity | $97,890,330 | 861 |
| Average total loans | $725,344,670 | 758 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5465% | 1,727 |
| Cost of funding earning assets | 0.8829% | 654 |
| Net interest margin | 3.6636% | 2,943 |
| Noninterest income to average assets | 1.5151% | 424 |
| Noninterest expense to average assets | 3.6833% | 781 |
| Loan and lease loss provision to assets | 0.0672% | 2,423 |
| Net operating income to assets | 0.8268% | 3,603 |
| Return on assets (ROA) | 0.8268% | 3,614 |
| Pretax return on assets | 1.1156% | 3,113 |
| Return on Equity (ROE) | 7.6060% | 3,535 |
| Retained earnings to average equity (ytd only) | 7.6060% | 1,988 |
| Net charge-offs to loans | 0.1175% | 1,078 |
| Credit loss provision to net charge-offs | 70.0935% | 1,826 |
| Earnings coverage of net charge-offs (x) | 12.3411% | 1,806 |
| Efficiency ratio | 75.5821% | 1,657 |
| Assets per employee ($millions) | 5.0198% | 2,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 2,395 |
| Loan loss allowance to noncurrent loans | 153.5333% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.7008% | 2,225 |
| Noncurrent loans to loans | 0.8278% | 2,164 |
| Net loans and leases to total assets | 80.1176% | 917 |
| Net loans and leases to deposits | 107.1665% | 336 |
| Net loans and leases to core deposits | 150.1409% | 127 |
| Total domestic deposits to total assets | 74.7599% | 5,083 |
| Equity capital to assets | 11.1352% | 2,447 |
| Core capital (leverage) ratio | 10.7612% | 2,675 |
| Tier 1 risk-based capital ratio | 12.6082% | 4,170 |
| Total risk-based capital ratio | 13.8381% | 4,092 |
| Memoranda: | ||
| Average total assets | $893,118,000 | 864 |
| Average earning assets | $816,895,000 | 870 |
| Average equity | $97,081,000 | 871 |
| Average total loans | $728,565,000 | 754 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1363% | 2,928 |
| Cost of funding earning assets | 0.8532% | 474 |
| Net interest margin | 3.2831% | 4,208 |
| Noninterest income to average assets | 1.8472% | 334 |
| Noninterest expense to average assets | 3.4730% | 1,083 |
| Loan and lease loss provision to assets | 0.2293% | 852 |
| Net operating income to assets | 0.5117% | 4,346 |
| Return on assets (ROA) | 0.5646% | 4,198 |
| Pretax return on assets | 1.2272% | 2,654 |
| Return on Equity (ROE) | 5.2432% | 4,069 |
| Retained earnings to average equity (ytd only) | 5.2432% | 1,971 |
| Net charge-offs to loans | 0.2052% | 1,262 |
| Credit loss provision to net charge-offs | 138.1215% | 1,913 |
| Earnings coverage of net charge-offs (x) | 8.2749% | 2,934 |
| Efficiency ratio | 71.5398% | 2,299 |
| Assets per employee ($millions) | 4.9878% | 2,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2259% | 2,628 |
| Loan loss allowance to noncurrent loans | 146.3117% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.7150% | 2,185 |
| Noncurrent loans to loans | 0.8379% | 2,129 |
| Net loans and leases to total assets | 80.9831% | 836 |
| Net loans and leases to deposits | 115.2898% | 160 |
| Net loans and leases to core deposits | 152.0498% | 124 |
| Total domestic deposits to total assets | 70.2431% | 5,399 |
| Equity capital to assets | 10.6132% | 3,035 |
| Core capital (leverage) ratio | 10.5126% | 2,836 |
| Tier 1 risk-based capital ratio | 11.9904% | 4,534 |
| Total risk-based capital ratio | 13.1944% | 4,452 |
| Memoranda: | ||
| Average total assets | $872,180,400 | 854 |
| Average earning assets | $796,870,800 | 862 |
| Average equity | $93,911,600 | 875 |
| Average total loans | $705,769,000 | 740 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1031% | 2,973 |
| Cost of funding earning assets | 0.8646% | 424 |
| Net interest margin | 3.2385% | 4,364 |
| Noninterest income to average assets | 1.9846% | 315 |
| Noninterest expense to average assets | 3.4795% | 1,028 |
| Loan and lease loss provision to assets | 0.1622% | 1,260 |
| Net operating income to assets | 0.8167% | 3,457 |
| Return on assets (ROA) | 0.8210% | 3,471 |
| Pretax return on assets | 1.3089% | 2,440 |
| Return on Equity (ROE) | 7.5965% | 3,345 |
| Retained earnings to average equity (ytd only) | 7.5965% | 1,388 |
| Net charge-offs to loans | 0.1262% | 1,521 |
| Credit loss provision to net charge-offs | 159.3323% | 1,607 |
| Earnings coverage of net charge-offs (x) | 14.3870% | 2,292 |
| Efficiency ratio | 70.2655% | 2,498 |
| Assets per employee ($millions) | 4.7876% | 2,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 2,524 |
| Loan loss allowance to noncurrent loans | 127.6054% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 0.8325% | 2,065 |
| Noncurrent loans to loans | 0.9945% | 1,943 |
| Net loans and leases to total assets | 80.0280% | 981 |
| Net loans and leases to deposits | 110.0856% | 269 |
| Net loans and leases to core deposits | 143.3504% | 168 |
| Total domestic deposits to total assets | 72.6962% | 5,340 |
| Equity capital to assets | 11.0842% | 2,777 |
| Core capital (leverage) ratio | 10.7644% | 2,681 |
| Tier 1 risk-based capital ratio | 12.8526% | 4,112 |
| Total risk-based capital ratio | 14.1057% | 4,008 |
| Memoranda: | ||
| Average total assets | $863,281,750 | 868 |
| Average earning assets | $788,814,750 | 874 |
| Average equity | $93,303,500 | 884 |
| Average total loans | $696,144,250 | 752 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0335% | 3,073 |
| Cost of funding earning assets | 0.8916% | 323 |
| Net interest margin | 3.1419% | 4,569 |
| Noninterest income to average assets | 1.5187% | 468 |
| Noninterest expense to average assets | 3.4290% | 1,113 |
| Loan and lease loss provision to assets | 0.0697% | 2,580 |
| Net operating income to assets | 0.5709% | 4,427 |
| Return on assets (ROA) | 0.5773% | 4,460 |
| Pretax return on assets | 0.9045% | 3,918 |
| Return on Equity (ROE) | 5.3876% | 4,317 |
| Retained earnings to average equity (ytd only) | 5.3876% | 2,473 |
| Net charge-offs to loans | 0.0312% | 2,578 |
| Credit loss provision to net charge-offs | 277.7778% | 1,013 |
| Earnings coverage of net charge-offs (x) | 38.4167% | 1,283 |
| Efficiency ratio | 77.9200% | 1,472 |
| Assets per employee ($millions) | 4.7237% | 2,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 2,787 |
| Loan loss allowance to noncurrent loans | 123.6980% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.8594% | 2,063 |
| Noncurrent loans to loans | 0.9988% | 1,964 |
| Net loans and leases to total assets | 80.1672% | 927 |
| Net loans and leases to deposits | 108.4946% | 302 |
| Net loans and leases to core deposits | 137.1662% | 216 |
| Total domestic deposits to total assets | 73.8904% | 5,303 |
| Equity capital to assets | 10.7191% | 3,116 |
| Core capital (leverage) ratio | 10.4511% | 2,977 |
| Tier 1 risk-based capital ratio | 12.5680% | 4,260 |
| Total risk-based capital ratio | 13.8119% | 4,166 |
| Memoranda: | ||
| Average total assets | $860,596,000 | 880 |
| Average earning assets | $787,362,330 | 884 |
| Average equity | $92,211,000 | 894 |
| Average total loans | $692,766,330 | 756 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9133% | 3,357 |
| Cost of funding earning assets | 0.8957% | 291 |
| Net interest margin | 3.0177% | 4,856 |
| Noninterest income to average assets | 1.3898% | 551 |
| Noninterest expense to average assets | 3.4067% | 1,192 |
| Loan and lease loss provision to assets | 0.0703% | 2,406 |
| Net operating income to assets | 0.4330% | 4,848 |
| Return on assets (ROA) | 0.4464% | 4,815 |
| Pretax return on assets | 0.6858% | 4,491 |
| Return on Equity (ROE) | 4.1670% | 4,722 |
| Retained earnings to average equity (ytd only) | 4.1670% | 3,373 |
| Net charge-offs to loans | 0.0567% | 1,766 |
| Credit loss provision to net charge-offs | 154.6392% | 1,191 |
| Earnings coverage of net charge-offs (x) | 16.1856% | 1,649 |
| Efficiency ratio | 82.0875% | 1,150 |
| Assets per employee ($millions) | 4.9131% | 2,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2714% | 2,678 |
| Loan loss allowance to noncurrent loans | 121.1376% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.9124% | 2,035 |
| Noncurrent loans to loans | 1.0495% | 1,961 |
| Net loans and leases to total assets | 78.8005% | 1,014 |
| Net loans and leases to deposits | 103.7217% | 412 |
| Net loans and leases to core deposits | 130.9016% | 254 |
| Total domestic deposits to total assets | 75.9730% | 5,232 |
| Equity capital to assets | 10.8241% | 2,831 |
| Core capital (leverage) ratio | 10.4470% | 2,962 |
| Tier 1 risk-based capital ratio | 12.6392% | 4,300 |
| Total risk-based capital ratio | 13.8899% | 4,207 |
| Memoranda: | ||
| Average total assets | $853,954,500 | 887 |
| Average earning assets | $778,875,000 | 895 |
| Average equity | $91,480,500 | 897 |
| Average total loans | $684,485,500 | 765 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9906% | 3,222 |
| Cost of funding earning assets | 0.9005% | 296 |
| Net interest margin | 3.0901% | 4,754 |
| Noninterest income to average assets | 1.5026% | 526 |
| Noninterest expense to average assets | 3.4820% | 1,203 |
| Loan and lease loss provision to assets | 0.1173% | 2,108 |
| Net operating income to assets | 0.4617% | 4,762 |
| Return on assets (ROA) | 0.4626% | 4,843 |
| Pretax return on assets | 0.7171% | 4,436 |
| Return on Equity (ROE) | 4.4194% | 4,702 |
| Retained earnings to average equity (ytd only) | 4.4194% | 2,769 |
| Net charge-offs to loans | 0.2098% | 1,323 |
| Credit loss provision to net charge-offs | 69.1563% | 3,145 |
| Earnings coverage of net charge-offs (x) | 4.9122% | 3,423 |
| Efficiency ratio | 80.5093% | 1,360 |
| Assets per employee ($millions) | 4.7663% | 2,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2415% | 2,869 |
| Loan loss allowance to noncurrent loans | 118.0854% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 0.9479% | 2,007 |
| Noncurrent loans to loans | 1.0513% | 1,975 |
| Net loans and leases to total assets | 79.4919% | 964 |
| Net loans and leases to deposits | 105.7897% | 352 |
| Net loans and leases to core deposits | 132.9652% | 251 |
| Total domestic deposits to total assets | 75.1415% | 5,336 |
| Equity capital to assets | 10.6021% | 3,041 |
| Core capital (leverage) ratio | 10.3095% | 3,096 |
| Tier 1 risk-based capital ratio | 12.3821% | 4,457 |
| Total risk-based capital ratio | 13.6138% | 4,349 |
| Memoranda: | ||
| Average total assets | $852,634,200 | 851 |
| Average earning assets | $776,025,200 | 868 |
| Average equity | $89,242,800 | 891 |
| Average total loans | $689,274,400 | 729 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0077% | 3,210 |
| Cost of funding earning assets | 0.9002% | 298 |
| Net interest margin | 3.1075% | 4,753 |
| Noninterest income to average assets | 1.4907% | 542 |
| Noninterest expense to average assets | 3.5032% | 1,143 |
| Loan and lease loss provision to assets | 0.1096% | 2,100 |
| Net operating income to assets | 0.4546% | 4,858 |
| Return on assets (ROA) | 0.4558% | 4,934 |
| Pretax return on assets | 0.7035% | 4,601 |
| Return on Equity (ROE) | 4.3686% | 4,775 |
| Retained earnings to average equity (ytd only) | 4.3686% | 3,226 |
| Net charge-offs to loans | 0.2781% | 828 |
| Credit loss provision to net charge-offs | 48.7126% | 3,049 |
| Earnings coverage of net charge-offs (x) | 3.6054% | 3,385 |
| Efficiency ratio | 81.0084% | 1,300 |
| Assets per employee ($millions) | 4.8920% | 2,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1878% | 3,317 |
| Loan loss allowance to noncurrent loans | 111.7242% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.9511% | 2,182 |
| Noncurrent loans to loans | 1.0631% | 2,121 |
| Net loans and leases to total assets | 80.0110% | 897 |
| Net loans and leases to deposits | 108.3634% | 298 |
| Net loans and leases to core deposits | 139.9211% | 192 |
| Total domestic deposits to total assets | 73.8358% | 5,451 |
| Equity capital to assets | 10.4964% | 3,572 |
| Core capital (leverage) ratio | 10.3106% | 3,217 |
| Tier 1 risk-based capital ratio | 12.3029% | 4,606 |
| Total risk-based capital ratio | 13.4911% | 4,548 |
| Memoranda: | ||
| Average total assets | $851,309,000 | 851 |
| Average earning assets | $773,629,000 | 866 |
| Average equity | $88,813,750 | 901 |
| Average total loans | $688,952,500 | 726 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9751% | 3,327 |
| Cost of funding earning assets | 0.9042% | 285 |
| Net interest margin | 3.0709% | 4,920 |
| Noninterest income to average assets | 1.4407% | 558 |
| Noninterest expense to average assets | 3.4391% | 1,296 |
| Loan and lease loss provision to assets | 0.0707% | 2,719 |
| Net operating income to assets | 0.4645% | 4,818 |
| Return on assets (ROA) | 0.4648% | 4,908 |
| Pretax return on assets | 0.7186% | 4,566 |
| Return on Equity (ROE) | 4.4646% | 4,726 |
| Retained earnings to average equity (ytd only) | 4.4646% | 3,072 |
| Net charge-offs to loans | 0.1373% | 1,504 |
| Credit loss provision to net charge-offs | 63.6943% | 2,535 |
| Earnings coverage of net charge-offs (x) | 7.1019% | 2,668 |
| Efficiency ratio | 81.1524% | 1,367 |
| Assets per employee ($millions) | 4.7570% | 2,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 2,788 |
| Loan loss allowance to noncurrent loans | 90.4139% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 1.1721% | 1,793 |
| Noncurrent loans to loans | 1.4375% | 1,540 |
| Net loans and leases to total assets | 79.3441% | 1,009 |
| Net loans and leases to deposits | 106.9885% | 333 |
| Net loans and leases to core deposits | 138.5904% | 202 |
| Total domestic deposits to total assets | 74.1613% | 5,503 |
| Equity capital to assets | 10.5704% | 3,561 |
| Core capital (leverage) ratio | 10.2247% | 3,306 |
| Tier 1 risk-based capital ratio | 12.5224% | 4,503 |
| Total risk-based capital ratio | 13.7749% | 4,418 |
| Memoranda: | ||
| Average total assets | $848,079,330 | 856 |
| Average earning assets | $769,737,000 | 873 |
| Average equity | $88,293,670 | 907 |
| Average total loans | $686,212,000 | 729 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9476% | 3,410 |
| Cost of funding earning assets | 0.9193% | 269 |
| Net interest margin | 3.0283% | 5,048 |
| Noninterest income to average assets | 1.2993% | 648 |
| Noninterest expense to average assets | 3.4083% | 1,364 |
| Loan and lease loss provision to assets | 0.0707% | 2,537 |
| Net operating income to assets | 0.3780% | 5,060 |
| Return on assets (ROA) | 0.3780% | 5,134 |
| Pretax return on assets | 0.5745% | 4,891 |
| Return on Equity (ROE) | 3.6584% | 5,012 |
| Retained earnings to average equity (ytd only) | 3.6584% | 3,665 |
| Net charge-offs to loans | 0.1184% | 1,408 |
| Credit loss provision to net charge-offs | 73.5294% | 1,882 |
| Earnings coverage of net charge-offs (x) | 6.7108% | 2,220 |
| Efficiency ratio | 83.8856% | 1,170 |
| Assets per employee ($millions) | 4.6386% | 2,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 2,908 |
| Loan loss allowance to noncurrent loans | 93.0938% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 1.1586% | 1,895 |
| Noncurrent loans to loans | 1.3948% | 1,712 |
| Net loans and leases to total assets | 79.8366% | 840 |
| Net loans and leases to deposits | 108.5832% | 265 |
| Net loans and leases to core deposits | 140.3075% | 165 |
| Total domestic deposits to total assets | 73.5257% | 5,654 |
| Equity capital to assets | 10.3405% | 3,696 |
| Core capital (leverage) ratio | 10.1843% | 3,334 |
| Tier 1 risk-based capital ratio | 12.0865% | 4,865 |
| Total risk-based capital ratio | 13.3382% | 4,767 |
| Memoranda: | ||
| Average total assets | $848,744,000 | 861 |
| Average earning assets | $771,919,500 | 873 |
| Average equity | $87,688,000 | 910 |
| Average total loans | $688,971,500 | 728 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9312% | 3,594 |
| Cost of funding earning assets | 0.8893% | 305 |
| Net interest margin | 3.0420% | 5,046 |
| Noninterest income to average assets | 1.4869% | 562 |
| Noninterest expense to average assets | 3.3946% | 1,494 |
| Loan and lease loss provision to assets | 0.1935% | 1,137 |
| Net operating income to assets | 0.4389% | 4,918 |
| Return on assets (ROA) | 0.4653% | 4,906 |
| Pretax return on assets | 0.6987% | 4,534 |
| Return on Equity (ROE) | 4.4851% | 4,748 |
| Retained earnings to average equity (ytd only) | 4.4851% | 2,795 |
| Net charge-offs to loans | 0.0913% | 2,523 |
| Credit loss provision to net charge-offs | 264.4628% | 1,093 |
| Earnings coverage of net charge-offs (x) | 11.6562% | 2,548 |
| Efficiency ratio | 79.7284% | 1,714 |
| Assets per employee ($millions) | 4.3958% | 3,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3117% | 2,829 |
| Loan loss allowance to noncurrent loans | 116.4193% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 0.9781% | 2,244 |
| Noncurrent loans to loans | 1.1267% | 2,092 |
| Net loans and leases to total assets | 80.3987% | 784 |
| Net loans and leases to deposits | 108.5830% | 278 |
| Net loans and leases to core deposits | 140.5935% | 157 |
| Total domestic deposits to total assets | 74.0435% | 5,641 |
| Equity capital to assets | 10.3224% | 3,600 |
| Core capital (leverage) ratio | 10.1714% | 3,294 |
| Tier 1 risk-based capital ratio | 12.2662% | 4,778 |
| Total risk-based capital ratio | 13.5195% | 4,677 |
| Memoranda: | ||
| Average total assets | $826,928,000 | 842 |
| Average earning assets | $750,405,200 | 850 |
| Average equity | $85,795,400 | 888 |
| Average total loans | $662,979,200 | 712 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9262% | 3,651 |
| Cost of funding earning assets | 0.8765% | 327 |
| Net interest margin | 3.0497% | 5,075 |
| Noninterest income to average assets | 1.5742% | 509 |
| Noninterest expense to average assets | 3.4246% | 1,426 |
| Loan and lease loss provision to assets | 0.0891% | 2,376 |
| Net operating income to assets | 0.5287% | 4,686 |
| Return on assets (ROA) | 0.5624% | 4,641 |
| Pretax return on assets | 0.8775% | 4,058 |
| Return on Equity (ROE) | 5.4134% | 4,442 |
| Retained earnings to average equity (ytd only) | 5.4134% | 2,631 |
| Net charge-offs to loans | 0.0621% | 2,704 |
| Credit loss provision to net charge-offs | 179.7386% | 1,470 |
| Earnings coverage of net charge-offs (x) | 18.4281% | 1,998 |
| Efficiency ratio | 78.7441% | 1,850 |
| Assets per employee ($millions) | 4.3673% | 3,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 3,546 |
| Loan loss allowance to noncurrent loans | 106.3553% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 1.0046% | 2,353 |
| Noncurrent loans to loans | 1.1470% | 2,216 |
| Net loans and leases to total assets | 80.2530% | 790 |
| Net loans and leases to deposits | 110.3549% | 247 |
| Net loans and leases to core deposits | 143.8987% | 141 |
| Total domestic deposits to total assets | 72.7226% | 5,814 |
| Equity capital to assets | 10.4471% | 3,655 |
| Core capital (leverage) ratio | 9.9327% | 3,727 |
| Tier 1 risk-based capital ratio | 11.9584% | 5,107 |
| Total risk-based capital ratio | 13.1644% | 5,052 |
| Memoranda: | ||
| Average total assets | $822,663,000 | 857 |
| Average earning assets | $745,664,250 | 859 |
| Average equity | $85,464,250 | 895 |
| Average total loans | $656,830,500 | 718 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9008% | 3,687 |
| Cost of funding earning assets | 0.8604% | 357 |
| Net interest margin | 3.0403% | 5,115 |
| Noninterest income to average assets | 1.6064% | 503 |
| Noninterest expense to average assets | 3.4510% | 1,379 |
| Loan and lease loss provision to assets | 0.0733% | 2,641 |
| Net operating income to assets | 0.5366% | 4,626 |
| Return on assets (ROA) | 0.5813% | 4,523 |
| Pretax return on assets | 0.9069% | 3,932 |
| Return on Equity (ROE) | 5.6063% | 4,316 |
| Retained earnings to average equity (ytd only) | 5.6063% | 2,461 |
| Net charge-offs to loans | 0.0400% | 2,880 |
| Credit loss provision to net charge-offs | 230.7692% | 1,105 |
| Earnings coverage of net charge-offs (x) | 28.6692% | 1,407 |
| Efficiency ratio | 78.9371% | 1,925 |
| Assets per employee ($millions) | 4.1755% | 3,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 3,612 |
| Loan loss allowance to noncurrent loans | 96.4795% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.1033% | 2,300 |
| Noncurrent loans to loans | 1.2767% | 2,112 |
| Net loans and leases to total assets | 79.4688% | 873 |
| Net loans and leases to deposits | 113.8720% | 183 |
| Net loans and leases to core deposits | 149.0087% | 113 |
| Total domestic deposits to total assets | 69.7879% | 6,046 |
| Equity capital to assets | 10.4130% | 3,544 |
| Core capital (leverage) ratio | 9.9709% | 3,649 |
| Tier 1 risk-based capital ratio | 11.8479% | 5,247 |
| Total risk-based capital ratio | 13.0491% | 5,187 |
| Memoranda: | ||
| Average total assets | $818,832,330 | 863 |
| Average earning assets | $741,955,000 | 867 |
| Average equity | $84,904,000 | 905 |
| Average total loans | $649,873,670 | 721 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8616% | 3,781 |
| Cost of funding earning assets | 0.8618% | 358 |
| Net interest margin | 2.9998% | 5,215 |
| Noninterest income to average assets | 1.4289% | 574 |
| Noninterest expense to average assets | 3.4415% | 1,420 |
| Loan and lease loss provision to assets | 0.0736% | 2,467 |
| Net operating income to assets | 0.4104% | 5,034 |
| Return on assets (ROA) | 0.5017% | 4,794 |
| Pretax return on assets | 0.7726% | 4,337 |
| Return on Equity (ROE) | 4.8487% | 4,606 |
| Retained earnings to average equity (ytd only) | 4.8487% | 3,147 |
| Net charge-offs to loans | 0.0249% | 2,667 |
| Credit loss provision to net charge-offs | 375.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 35.9500% | 1,039 |
| Efficiency ratio | 82.7790% | 1,526 |
| Assets per employee ($millions) | 4.1404% | 3,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 3,654 |
| Loan loss allowance to noncurrent loans | 69.4679% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 1.5166% | 1,719 |
| Noncurrent loans to loans | 1.8077% | 1,501 |
| Net loans and leases to total assets | 78.0188% | 927 |
| Net loans and leases to deposits | 113.1668% | 170 |
| Net loans and leases to core deposits | 146.7341% | 113 |
| Total domestic deposits to total assets | 68.9414% | 6,172 |
| Equity capital to assets | 10.3463% | 3,723 |
| Core capital (leverage) ratio | 9.9157% | 3,721 |
| Tier 1 risk-based capital ratio | 11.9598% | 5,265 |
| Total risk-based capital ratio | 13.1832% | 5,172 |
| Memoranda: | ||
| Average total assets | $814,869,500 | 867 |
| Average earning assets | $738,451,500 | 868 |
| Average equity | $84,311,000 | 908 |
| Average total loans | $642,206,000 | 725 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9290% | 4,023 |
| Cost of funding earning assets | 0.9916% | 238 |
| Net interest margin | 2.9374% | 5,573 |
| Noninterest income to average assets | 1.6167% | 480 |
| Noninterest expense to average assets | 3.4808% | 1,526 |
| Loan and lease loss provision to assets | 0.1645% | 1,593 |
| Net operating income to assets | 0.3497% | 5,378 |
| Return on assets (ROA) | 0.3117% | 5,560 |
| Pretax return on assets | 0.5484% | 5,105 |
| Return on Equity (ROE) | 3.0220% | 5,470 |
| Retained earnings to average equity (ytd only) | 3.0220% | 4,092 |
| Net charge-offs to loans | 0.1954% | 2,100 |
| Credit loss provision to net charge-offs | 108.7866% | 2,194 |
| Earnings coverage of net charge-offs (x) | 5.1079% | 3,496 |
| Efficiency ratio | 81.5512% | 1,712 |
| Assets per employee ($millions) | 4.0700% | 3,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 3,663 |
| Loan loss allowance to noncurrent loans | 67.7874% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 1.5488% | 1,747 |
| Noncurrent loans to loans | 1.8592% | 1,530 |
| Net loans and leases to total assets | 77.6177% | 1,056 |
| Net loans and leases to deposits | 109.7356% | 246 |
| Net loans and leases to core deposits | 141.0368% | 158 |
| Total domestic deposits to total assets | 70.7315% | 6,160 |
| Equity capital to assets | 10.3468% | 3,667 |
| Core capital (leverage) ratio | 9.4399% | 4,323 |
| Tier 1 risk-based capital ratio | 11.9353% | 5,408 |
| Total risk-based capital ratio | 13.1881% | 5,309 |
| Memoranda: | ||
| Average total assets | $790,271,400 | 856 |
| Average earning assets | $709,340,400 | 864 |
| Average equity | $81,502,800 | 898 |
| Average total loans | $611,513,400 | 714 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9293% | 4,056 |
| Cost of funding earning assets | 1.0258% | 220 |
| Net interest margin | 2.9035% | 5,692 |
| Noninterest income to average assets | 1.6386% | 485 |
| Noninterest expense to average assets | 3.5341% | 1,403 |
| Loan and lease loss provision to assets | 0.1613% | 1,544 |
| Net operating income to assets | 0.3555% | 5,412 |
| Return on assets (ROA) | 0.3037% | 5,643 |
| Pretax return on assets | 0.4648% | 5,420 |
| Return on Equity (ROE) | 2.9474% | 5,554 |
| Retained earnings to average equity (ytd only) | 2.9474% | 4,496 |
| Net charge-offs to loans | 0.1097% | 2,703 |
| Credit loss provision to net charge-offs | 190.7631% | 1,318 |
| Earnings coverage of net charge-offs (x) | 8.3474% | 2,811 |
| Efficiency ratio | 83.0544% | 1,486 |
| Assets per employee ($millions) | 4.0621% | 3,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3244% | 3,526 |
| Loan loss allowance to noncurrent loans | 65.3117% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 1.6913% | 1,787 |
| Noncurrent loans to loans | 2.0279% | 1,557 |
| Net loans and leases to total assets | 77.9364% | 968 |
| Net loans and leases to deposits | 109.8169% | 224 |
| Net loans and leases to core deposits | 139.7909% | 152 |
| Total domestic deposits to total assets | 70.9694% | 6,234 |
| Equity capital to assets | 10.3347% | 3,751 |
| Core capital (leverage) ratio | 9.5578% | 4,295 |
| Tier 1 risk-based capital ratio | 11.9373% | 5,527 |
| Total risk-based capital ratio | 13.1904% | 5,446 |
| Memoranda: | ||
| Average total assets | $785,356,750 | 861 |
| Average earning assets | $703,584,750 | 874 |
| Average equity | $80,928,000 | 906 |
| Average total loans | $605,223,500 | 726 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9158% | 4,072 |
| Cost of funding earning assets | 1.0415% | 205 |
| Net interest margin | 2.8743% | 5,777 |
| Noninterest income to average assets | 1.6479% | 473 |
| Noninterest expense to average assets | 3.5748% | 1,341 |
| Loan and lease loss provision to assets | 0.2050% | 1,165 |
| Net operating income to assets | 0.2892% | 5,608 |
| Return on assets (ROA) | 0.2888% | 5,677 |
| Pretax return on assets | 0.4349% | 5,466 |
| Return on Equity (ROE) | 2.8057% | 5,591 |
| Retained earnings to average equity (ytd only) | 2.8057% | 4,415 |
| Net charge-offs to loans | 0.2230% | 1,698 |
| Credit loss provision to net charge-offs | 120.3008% | 1,715 |
| Earnings coverage of net charge-offs (x) | 3.7579% | 3,224 |
| Efficiency ratio | 84.4966% | 1,444 |
| Assets per employee ($millions) | 4.0709% | 3,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 3,820 |
| Loan loss allowance to noncurrent loans | 62.0063% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 1.7292% | 1,882 |
| Noncurrent loans to loans | 2.1078% | 1,579 |
| Net loans and leases to total assets | 76.6142% | 1,095 |
| Net loans and leases to deposits | 105.9769% | 304 |
| Net loans and leases to core deposits | 135.2668% | 178 |
| Total domestic deposits to total assets | 72.2933% | 6,231 |
| Equity capital to assets | 10.3001% | 3,695 |
| Core capital (leverage) ratio | 9.4987% | 4,333 |
| Tier 1 risk-based capital ratio | 12.1454% | 5,456 |
| Total risk-based capital ratio | 13.3979% | 5,369 |
| Memoranda: | ||
| Average total assets | $780,399,330 | 867 |
| Average earning assets | $697,069,670 | 884 |
| Average equity | $80,337,000 | 910 |
| Average total loans | $596,284,330 | 726 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8887% | 4,126 |
| Cost of funding earning assets | 1.0335% | 238 |
| Net interest margin | 2.8552% | 5,840 |
| Noninterest income to average assets | 1.5231% | 507 |
| Noninterest expense to average assets | 3.5337% | 1,423 |
| Loan and lease loss provision to assets | 0.1293% | 1,879 |
| Net operating income to assets | 0.2793% | 5,565 |
| Return on assets (ROA) | 0.2797% | 5,610 |
| Pretax return on assets | 0.4058% | 5,438 |
| Return on Equity (ROE) | 2.7178% | 5,556 |
| Retained earnings to average equity (ytd only) | 2.7178% | 4,457 |
| Net charge-offs to loans | 0.1467% | 1,839 |
| Credit loss provision to net charge-offs | 116.2791% | 1,491 |
| Earnings coverage of net charge-offs (x) | 4.8093% | 2,468 |
| Efficiency ratio | 86.5294% | 1,391 |
| Assets per employee ($millions) | 3.9331% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 3,854 |
| Loan loss allowance to noncurrent loans | 56.3554% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 2.0135% | 1,690 |
| Noncurrent loans to loans | 2.3935% | 1,467 |
| Net loans and leases to total assets | 75.0806% | 1,116 |
| Net loans and leases to deposits | 104.3608% | 281 |
| Net loans and leases to core deposits | 133.3878% | 161 |
| Total domestic deposits to total assets | 71.9433% | 6,365 |
| Equity capital to assets | 10.3753% | 3,362 |
| Core capital (leverage) ratio | 9.5906% | 4,147 |
| Tier 1 risk-based capital ratio | 12.2306% | 5,484 |
| Total risk-based capital ratio | 13.4838% | 5,418 |
| Memoranda: | ||
| Average total assets | $773,690,000 | 879 |
| Average earning assets | $689,685,500 | 895 |
| Average equity | $79,623,500 | 919 |
| Average total loans | $586,311,000 | 744 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8629% | 4,598 |
| Cost of funding earning assets | 1.0466% | 362 |
| Net interest margin | 2.8162% | 5,948 |
| Noninterest income to average assets | 1.6416% | 533 |
| Noninterest expense to average assets | 3.5637% | 1,523 |
| Loan and lease loss provision to assets | 0.1475% | 2,442 |
| Net operating income to assets | 0.3043% | 5,507 |
| Return on assets (ROA) | 0.3074% | 5,594 |
| Pretax return on assets | 0.4511% | 5,358 |
| Return on Equity (ROE) | 3.0326% | 5,495 |
| Retained earnings to average equity (ytd only) | 2.3132% | 4,602 |
| Net charge-offs to loans | 0.1146% | 3,670 |
| Credit loss provision to net charge-offs | 174.1692% | 1,315 |
| Earnings coverage of net charge-offs (x) | 7.0136% | 2,930 |
| Efficiency ratio | 85.6022% | 1,453 |
| Assets per employee ($millions) | 4.8897% | 2,323 |
| Cash dividends to net income (ytd only)* | 23.7203% | 3,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3585% | 3,847 |
| Loan loss allowance to noncurrent loans | 52.3466% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 1.9936% | 1,804 |
| Noncurrent loans to loans | 2.5952% | 1,443 |
| Net loans and leases to total assets | 74.4291% | 1,288 |
| Net loans and leases to deposits | 105.5990% | 274 |
| Net loans and leases to core deposits | 131.6349% | 183 |
| Total domestic deposits to total assets | 70.4828% | 6,504 |
| Equity capital to assets | 10.2073% | 3,496 |
| Core capital (leverage) ratio | 9.5539% | 4,186 |
| Tier 1 risk-based capital ratio | 12.0497% | 5,585 |
| Total risk-based capital ratio | 13.3025% | 5,521 |
| Memoranda: | ||
| Average total assets | $781,632,000 | 858 |
| Average earning assets | $698,342,000 | 869 |
| Average equity | $79,240,000 | 900 |
| Average total loans | $577,570,800 | 725 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8395% | 4,702 |
| Cost of funding earning assets | 1.0513% | 388 |
| Net interest margin | 2.7883% | 6,034 |
| Noninterest income to average assets | 1.7031% | 523 |
| Noninterest expense to average assets | 3.6045% | 1,390 |
| Loan and lease loss provision to assets | 0.1449% | 2,470 |
| Net operating income to assets | 0.3051% | 5,599 |
| Return on assets (ROA) | 0.3092% | 5,702 |
| Pretax return on assets | 0.4536% | 5,488 |
| Return on Equity (ROE) | 3.0553% | 5,584 |
| Retained earnings to average equity (ytd only) | 2.0940% | 5,071 |
| Net charge-offs to loans | 0.0703% | 3,924 |
| Credit loss provision to net charge-offs | 280.2632% | 911 |
| Earnings coverage of net charge-offs (x) | 11.4573% | 2,246 |
| Efficiency ratio | 85.7710% | 1,384 |
| Assets per employee ($millions) | 5.1872% | 1,949 |
| Cash dividends to net income (ytd only)* | 31.4632% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3864% | 3,953 |
| Loan loss allowance to noncurrent loans | 53.7974% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 2.0329% | 1,979 |
| Noncurrent loans to loans | 2.5772% | 1,656 |
| Net loans and leases to total assets | 74.3991% | 1,233 |
| Net loans and leases to deposits | 102.9242% | 333 |
| Net loans and leases to core deposits | 127.5307% | 217 |
| Total domestic deposits to total assets | 72.2854% | 6,470 |
| Equity capital to assets | 10.3693% | 3,429 |
| Core capital (leverage) ratio | 9.4878% | 4,429 |
| Tier 1 risk-based capital ratio | 12.2298% | 5,619 |
| Total risk-based capital ratio | 13.4817% | 5,554 |
| Memoranda: | ||
| Average total assets | $783,898,500 | 856 |
| Average earning assets | $701,113,750 | 865 |
| Average equity | $79,335,500 | 910 |
| Average total loans | $576,230,250 | 727 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6838% | 5,195 |
| Cost of funding earning assets | 1.1705% | 239 |
| Net interest margin | 2.5133% | 6,436 |
| Noninterest income to average assets | 2.1550% | 402 |
| Noninterest expense to average assets | 4.1394% | 745 |
| Loan and lease loss provision to assets | 0.0617% | 3,775 |
| Net operating income to assets | 0.1395% | 6,044 |
| Return on assets (ROA) | 0.1413% | 6,146 |
| Pretax return on assets | 0.1648% | 6,137 |
| Return on Equity (ROE) | 1.1814% | 6,171 |
| Retained earnings to average equity (ytd only) | 1.1814% | 5,430 |
| Net charge-offs to loans | 0.0619% | 3,820 |
| Credit loss provision to net charge-offs | 152.0000% | 1,519 |
| Earnings coverage of net charge-offs (x) | 5.5300% | 2,877 |
| Efficiency ratio | 94.6786% | 728 |
| Assets per employee ($millions) | 4.8473% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3090% | 4,463 |
| Loan loss allowance to noncurrent loans | 59.7203% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 1.4793% | 2,885 |
| Noncurrent loans to loans | 2.1919% | 2,185 |
| Net loans and leases to total assets | 66.4238% | 2,515 |
| Net loans and leases to deposits | 96.2975% | 647 |
| Net loans and leases to core deposits | 110.3122% | 554 |
| Total domestic deposits to total assets | 68.9776% | 6,691 |
| Equity capital to assets | 11.7364% | 2,098 |
| Core capital (leverage) ratio | 10.6094% | 2,757 |
| Tier 1 risk-based capital ratio | 14.1596% | 4,318 |
| Total risk-based capital ratio | 15.3620% | 4,310 |
| Memoranda: | ||
| Average total assets | $492,633,000 | 1,353 |
| Average earning assets | $432,971,330 | 1,412 |
| Average equity | $58,910,670 | 1,231 |
| Average total loans | $323,168,330 | 1,311 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6471% | 5,315 |
| Cost of funding earning assets | 1.2077% | 221 |
| Net interest margin | 2.4394% | 6,565 |
| Noninterest income to average assets | 2.1987% | 382 |
| Noninterest expense to average assets | 4.2836% | 637 |
| Loan and lease loss provision to assets | 0.0610% | 3,621 |
| Net operating income to assets | 0.0390% | 6,279 |
| Return on assets (ROA) | 0.0390% | 6,362 |
| Pretax return on assets | -0.0033% | 6,415 |
| Return on Equity (ROE) | 0.3235% | 6,368 |
| Retained earnings to average equity (ytd only) | 0.3235% | 5,685 |
| Net charge-offs to loans | -0.0163% | 5,625 |
| Credit loss provision to net charge-offs | -576.9231% | 5,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4823% | 615 |
| Assets per employee ($millions) | 4.6675% | 2,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3605% | 4,420 |
| Loan loss allowance to noncurrent loans | 69.5928% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 1.2796% | 3,419 |
| Noncurrent loans to loans | 1.9550% | 2,667 |
| Net loans and leases to total assets | 64.3587% | 2,638 |
| Net loans and leases to deposits | 92.6776% | 751 |
| Net loans and leases to core deposits | 106.1266% | 638 |
| Total domestic deposits to total assets | 69.4436% | 6,772 |
| Equity capital to assets | 12.0156% | 2,029 |
| Core capital (leverage) ratio | 10.6288% | 2,624 |
| Tier 1 risk-based capital ratio | 14.1308% | 4,407 |
| Total risk-based capital ratio | 15.3528% | 4,388 |
| Memoranda: | ||
| Average total assets | $491,736,000 | 1,372 |
| Average earning assets | $431,910,500 | 1,424 |
| Average equity | $59,352,000 | 1,236 |
| Average total loans | $318,366,000 | 1,333 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6996% | 6,054 |
| Cost of funding earning assets | 1.3011% | 372 |
| Net interest margin | 2.3984% | 6,781 |
| Noninterest income to average assets | 1.9869% | 443 |
| Noninterest expense to average assets | 3.7923% | 1,263 |
| Loan and lease loss provision to assets | 0.0509% | 5,180 |
| Net operating income to assets | 0.1446% | 5,902 |
| Return on assets (ROA) | 0.2675% | 5,795 |
| Pretax return on assets | 0.4529% | 5,417 |
| Return on Equity (ROE) | 2.5254% | 5,742 |
| Retained earnings to average equity (ytd only) | 2.5254% | 4,449 |
| Net charge-offs to loans | 0.2181% | 3,644 |
| Credit loss provision to net charge-offs | 39.9713% | 4,934 |
| Earnings coverage of net charge-offs (x) | 2.4499% | 4,185 |
| Efficiency ratio | 92.1491% | 907 |
| Assets per employee ($millions) | 4.2870% | 3,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3710% | 4,304 |
| Loan loss allowance to noncurrent loans | 69.9724% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 1.2586% | 3,543 |
| Noncurrent loans to loans | 1.9594% | 2,735 |
| Net loans and leases to total assets | 63.3533% | 2,998 |
| Net loans and leases to deposits | 87.2229% | 1,360 |
| Net loans and leases to core deposits | 104.4345% | 766 |
| Total domestic deposits to total assets | 72.6337% | 6,649 |
| Equity capital to assets | 12.1249% | 1,961 |
| Core capital (leverage) ratio | 9.8913% | 3,557 |
| Tier 1 risk-based capital ratio | 14.0758% | 4,324 |
| Total risk-based capital ratio | 15.2796% | 4,322 |
| Memoranda: | ||
| Average total assets | $548,405,000 | 1,223 |
| Average earning assets | $484,110,800 | 1,260 |
| Average equity | $58,089,600 | 1,220 |
| Average total loans | $320,096,200 | 1,316 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6683% | 6,282 |
| Cost of funding earning assets | 1.3152% | 411 |
| Net interest margin | 2.3532% | 6,919 |
| Noninterest income to average assets | 1.8774% | 457 |
| Noninterest expense to average assets | 3.7995% | 1,208 |
| Loan and lease loss provision to assets | 0.0440% | 5,221 |
| Net operating income to assets | -0.0340% | 6,325 |
| Return on assets (ROA) | 0.2047% | 6,073 |
| Pretax return on assets | 0.4883% | 5,495 |
| Return on Equity (ROE) | 1.9954% | 6,022 |
| Retained earnings to average equity (ytd only) | 1.9954% | 5,325 |
| Net charge-offs to loans | -0.1476% | 6,935 |
| Credit loss provision to net charge-offs | -52.2472% | 6,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7192% | 689 |
| Assets per employee ($millions) | 4.6843% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5838% | 3,587 |
| Loan loss allowance to noncurrent loans | 68.8956% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 1.5155% | 3,312 |
| Noncurrent loans to loans | 2.2989% | 2,507 |
| Net loans and leases to total assets | 60.7316% | 3,627 |
| Net loans and leases to deposits | 90.8852% | 1,057 |
| Net loans and leases to core deposits | 109.1834% | 600 |
| Total domestic deposits to total assets | 66.8223% | 6,956 |
| Equity capital to assets | 10.9213% | 3,357 |
| Core capital (leverage) ratio | 9.1528% | 4,826 |
| Tier 1 risk-based capital ratio | 12.0761% | 5,900 |
| Total risk-based capital ratio | 13.3269% | 5,881 |
| Memoranda: | ||
| Average total assets | $563,327,500 | 1,192 |
| Average earning assets | $498,269,250 | 1,235 |
| Average equity | $57,798,000 | 1,229 |
| Average total loans | $321,640,000 | 1,319 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6428% | 6,428 |
| Cost of funding earning assets | 1.3057% | 516 |
| Net interest margin | 2.3371% | 6,992 |
| Noninterest income to average assets | 1.7535% | 499 |
| Noninterest expense to average assets | 3.6319% | 1,507 |
| Loan and lease loss provision to assets | 0.0521% | 5,011 |
| Net operating income to assets | 0.0999% | 6,156 |
| Return on assets (ROA) | 0.3615% | 5,598 |
| Pretax return on assets | 0.5144% | 5,401 |
| Return on Equity (ROE) | 3.5960% | 5,437 |
| Retained earnings to average equity (ytd only) | 3.5960% | 4,199 |
| Net charge-offs to loans | 0.4892% | 2,119 |
| Credit loss provision to net charge-offs | 19.1517% | 4,619 |
| Earnings coverage of net charge-offs (x) | 0.7082% | 4,698 |
| Efficiency ratio | 94.6935% | 774 |
| Assets per employee ($millions) | 4.8476% | 2,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 5,178 |
| Loan loss allowance to noncurrent loans | 41.1457% | 5,596 |
| Noncurrent assets plus other real estate owned to assets | 1.8209% | 3,008 |
| Noncurrent loans to loans | 3.0051% | 1,972 |
| Net loans and leases to total assets | 56.6875% | 4,366 |
| Net loans and leases to deposits | 87.9012% | 1,373 |
| Net loans and leases to core deposits | 104.8980% | 798 |
| Total domestic deposits to total assets | 64.4900% | 7,074 |
| Equity capital to assets | 10.1085% | 4,181 |
| Core capital (leverage) ratio | 8.7788% | 5,255 |
| Tier 1 risk-based capital ratio | 11.3271% | 6,328 |
| Total risk-based capital ratio | 12.2923% | 6,446 |
| Memoranda: | ||
| Average total assets | $571,540,000 | 1,175 |
| Average earning assets | $506,535,670 | 1,211 |
| Average equity | $57,453,330 | 1,232 |
| Average total loans | $318,046,670 | 1,334 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9929% | 5,785 |
| Cost of funding earning assets | 1.3231% | 575 |
| Net interest margin | 2.6698% | 6,809 |
| Noninterest income to average assets | 2.5367% | 296 |
| Noninterest expense to average assets | 4.4092% | 595 |
| Loan and lease loss provision to assets | 0.0526% | 4,753 |
| Net operating income to assets | 0.2663% | 5,759 |
| Return on assets (ROA) | 0.6573% | 4,305 |
| Pretax return on assets | 0.9728% | 3,785 |
| Return on Equity (ROE) | 5.5184% | 4,540 |
| Retained earnings to average equity (ytd only) | 5.5184% | 3,246 |
| Net charge-offs to loans | 0.1956% | 2,944 |
| Credit loss provision to net charge-offs | 47.4227% | 3,322 |
| Earnings coverage of net charge-offs (x) | 4.0619% | 2,673 |
| Efficiency ratio | 90.3787% | 1,062 |
| Assets per employee ($millions) | 3.6154% | 4,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6953% | 3,371 |
| Loan loss allowance to noncurrent loans | 50.0812% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 2.0089% | 2,885 |
| Noncurrent loans to loans | 3.3850% | 1,866 |
| Net loans and leases to total assets | 56.1045% | 4,365 |
| Net loans and leases to deposits | 87.2728% | 1,253 |
| Net loans and leases to core deposits | 116.6039% | 370 |
| Total domestic deposits to total assets | 64.2863% | 7,139 |
| Equity capital to assets | 12.0034% | 2,037 |
| Core capital (leverage) ratio | 10.5763% | 2,665 |
| Tier 1 risk-based capital ratio | 13.0309% | 5,196 |
| Total risk-based capital ratio | 14.2890% | 5,152 |
| Memoranda: | ||
| Average total assets | $349,903,000 | 1,888 |
| Average earning assets | $304,440,000 | 1,959 |
| Average equity | $41,678,500 | 1,668 |
| Average total loans | $198,386,000 | 2,050 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1744% | 6,128 |
| Cost of funding earning assets | 1.3730% | 1,153 |
| Net interest margin | 2.8014% | 6,824 |
| Noninterest income to average assets | 2.6514% | 249 |
| Noninterest expense to average assets | 4.2622% | 746 |
| Loan and lease loss provision to assets | 1.1430% | 789 |
| Net operating income to assets | -0.1422% | 6,195 |
| Return on assets (ROA) | -0.3387% | 6,423 |
| Pretax return on assets | -0.6162% | 6,562 |
| Return on Equity (ROE) | -2.7694% | 6,387 |
| Retained earnings to average equity (ytd only) | -3.7544% | 6,352 |
| Net charge-offs to loans | 2.0311% | 677 |
| Credit loss provision to net charge-offs | 102.9259% | 3,361 |
| Earnings coverage of net charge-offs (x) | 0.7509% | 5,240 |
| Efficiency ratio | 83.2590% | 1,853 |
| Assets per employee ($millions) | 3.8790% | 4,133 |
| Cash dividends to net income (ytd only)* | -35.5688% | 7,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7516% | 3,021 |
| Loan loss allowance to noncurrent loans | 88.3077% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 1.3738% | 3,945 |
| Noncurrent loans to loans | 1.9835% | 3,231 |
| Net loans and leases to total assets | 55.3346% | 4,829 |
| Net loans and leases to deposits | 85.8098% | 1,693 |
| Net loans and leases to core deposits | 104.1469% | 897 |
| Total domestic deposits to total assets | 64.4852% | 7,167 |
| Equity capital to assets | 11.8191% | 2,261 |
| Core capital (leverage) ratio | 10.4233% | 2,821 |
| Tier 1 risk-based capital ratio | 12.9839% | 5,085 |
| Total risk-based capital ratio | 14.2355% | 5,061 |
| Memoranda: | ||
| Average total assets | $347,776,400 | 1,863 |
| Average earning assets | $303,495,000 | 1,934 |
| Average equity | $42,536,600 | 1,579 |
| Average total loans | $190,146,800 | 2,130 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2712% | 6,027 |
| Cost of funding earning assets | 1.3701% | 1,375 |
| Net interest margin | 2.9011% | 6,747 |
| Noninterest income to average assets | 2.6858% | 249 |
| Noninterest expense to average assets | 4.1736% | 819 |
| Loan and lease loss provision to assets | 0.0284% | 6,082 |
| Net operating income to assets | 0.6448% | 3,901 |
| Return on assets (ROA) | 0.5610% | 4,437 |
| Pretax return on assets | 0.8849% | 3,824 |
| Return on Equity (ROE) | 4.5485% | 4,749 |
| Retained earnings to average equity (ytd only) | 3.2449% | 4,407 |
| Net charge-offs to loans | 0.0665% | 5,295 |
| Credit loss provision to net charge-offs | 78.7234% | 4,184 |
| Earnings coverage of net charge-offs (x) | 28.9469% | 953 |
| Efficiency ratio | 79.5984% | 2,321 |
| Assets per employee ($millions) | 6.1509% | 1,119 |
| Cash dividends to net income (ytd only)* | 28.6593% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6636% | 3,402 |
| Loan loss allowance to noncurrent loans | 128.3941% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 1.3413% | 4,130 |
| Noncurrent loans to loans | 1.2957% | 4,371 |
| Net loans and leases to total assets | 56.8031% | 4,717 |
| Net loans and leases to deposits | 86.7945% | 1,577 |
| Net loans and leases to core deposits | 96.9007% | 1,518 |
| Total domestic deposits to total assets | 65.4455% | 7,213 |
| Equity capital to assets | 12.6720% | 1,807 |
| Core capital (leverage) ratio | 11.5494% | 1,988 |
| Tier 1 risk-based capital ratio | 14.4179% | 4,039 |
| Total risk-based capital ratio | 15.6275% | 4,036 |
| Memoranda: | ||
| Average total assets | $347,442,000 | 1,870 |
| Average earning assets | $303,234,250 | 1,947 |
| Average equity | $42,855,250 | 1,577 |
| Average total loans | $188,527,250 | 2,165 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2698% | 6,109 |
| Cost of funding earning assets | 1.3375% | 1,714 |
| Net interest margin | 2.9323% | 6,732 |
| Noninterest income to average assets | 2.6094% | 251 |
| Noninterest expense to average assets | 4.2154% | 815 |
| Loan and lease loss provision to assets | 0.0350% | 5,876 |
| Net operating income to assets | 0.6367% | 3,878 |
| Return on assets (ROA) | 0.6050% | 4,178 |
| Pretax return on assets | 0.8776% | 3,726 |
| Return on Equity (ROE) | 4.9494% | 4,476 |
| Retained earnings to average equity (ytd only) | 3.9351% | 3,691 |
| Net charge-offs to loans | 0.0800% | 4,841 |
| Credit loss provision to net charge-offs | 82.4324% | 3,699 |
| Earnings coverage of net charge-offs (x) | 22.5676% | 1,118 |
| Efficiency ratio | 81.0739% | 2,229 |
| Assets per employee ($millions) | 3.3227% | 5,382 |
| Cash dividends to net income (ytd only)* | 20.4934% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7358% | 3,206 |
| Loan loss allowance to noncurrent loans | 116.9193% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 1.0168% | 4,843 |
| Noncurrent loans to loans | 1.4846% | 4,199 |
| Net loans and leases to total assets | 52.8171% | 5,462 |
| Net loans and leases to deposits | 87.3480% | 1,599 |
| Net loans and leases to core deposits | 97.3599% | 1,547 |
| Total domestic deposits to total assets | 60.4674% | 7,373 |
| Equity capital to assets | 12.2148% | 1,955 |
| Core capital (leverage) ratio | 11.2280% | 2,093 |
| Tier 1 risk-based capital ratio | 14.4754% | 3,803 |
| Total risk-based capital ratio | 15.7524% | 3,759 |
| Memoranda: | ||
| Average total assets | $348,438,330 | 1,877 |
| Average earning assets | $304,747,670 | 1,946 |
| Average equity | $42,590,670 | 1,569 |
| Average total loans | $185,046,330 | 2,222 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1870% | 6,312 |
| Cost of funding earning assets | 1.3408% | 1,945 |
| Net interest margin | 2.8462% | 6,842 |
| Noninterest income to average assets | 2.2836% | 305 |
| Noninterest expense to average assets | 4.3213% | 707 |
| Loan and lease loss provision to assets | 0.0360% | 5,532 |
| Net operating income to assets | 0.3111% | 5,354 |
| Return on assets (ROA) | 0.4372% | 4,854 |
| Pretax return on assets | 0.5810% | 4,755 |
| Return on Equity (ROE) | 3.5758% | 5,110 |
| Retained earnings to average equity (ytd only) | 3.5758% | 4,039 |
| Net charge-offs to loans | 0.1604% | 3,522 |
| Credit loss provision to net charge-offs | 42.4658% | 3,897 |
| Earnings coverage of net charge-offs (x) | 5.3014% | 2,304 |
| Efficiency ratio | 90.4206% | 1,300 |
| Assets per employee ($millions) | 3.2119% | 5,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7768% | 3,077 |
| Loan loss allowance to noncurrent loans | 68.3150% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 1.3748% | 4,227 |
| Noncurrent loans to loans | 2.6008% | 2,898 |
| Net loans and leases to total assets | 51.9193% | 5,594 |
| Net loans and leases to deposits | 88.4942% | 1,407 |
| Net loans and leases to core deposits | 91.9502% | 2,134 |
| Total domestic deposits to total assets | 58.6697% | 7,442 |
| Equity capital to assets | 12.0958% | 1,862 |
| Core capital (leverage) ratio | 11.2183% | 2,019 |
| Tier 1 risk-based capital ratio | 14.8355% | 3,517 |
| Total risk-based capital ratio | 16.0891% | 3,476 |
| Memoranda: | ||
| Average total assets | $344,894,000 | 1,905 |
| Average earning assets | $301,310,000 | 1,979 |
| Average equity | $42,172,500 | 1,576 |
| Average total loans | $182,021,500 | 2,290 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4040% | 6,613 |
| Cost of funding earning assets | 2.0046% | 599 |
| Net interest margin | 2.3993% | 7,320 |
| Noninterest income to average assets | 2.3112% | 314 |
| Noninterest expense to average assets | 3.8877% | 1,337 |
| Loan and lease loss provision to assets | 0.0694% | 6,451 |
| Net operating income to assets | 0.4413% | 4,354 |
| Return on assets (ROA) | 0.2027% | 5,430 |
| Pretax return on assets | 0.1845% | 5,522 |
| Return on Equity (ROE) | 1.7072% | 5,496 |
| Retained earnings to average equity (ytd only) | 1.7072% | 4,665 |
| Net charge-offs to loans | 0.2783% | 4,633 |
| Credit loss provision to net charge-offs | 49.8978% | 6,259 |
| Earnings coverage of net charge-offs (x) | 3.5419% | 3,314 |
| Efficiency ratio | 88.6927% | 1,424 |
| Assets per employee ($millions) | 3.3633% | 5,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8605% | 2,662 |
| Loan loss allowance to noncurrent loans | 68.3357% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 1.4345% | 4,186 |
| Noncurrent loans to loans | 2.7225% | 2,794 |
| Net loans and leases to total assets | 51.7108% | 5,956 |
| Net loans and leases to deposits | 83.8290% | 2,480 |
| Net loans and leases to core deposits | 86.8415% | 3,207 |
| Total domestic deposits to total assets | 61.6861% | 7,487 |
| Equity capital to assets | 12.3636% | 1,712 |
| Core capital (leverage) ratio | 11.0717% | 2,107 |
| Tier 1 risk-based capital ratio | 14.7535% | 3,395 |
| Total risk-based capital ratio | 15.9781% | 3,372 |
| Memoranda: | ||
| Average total assets | $351,720,400 | 1,860 |
| Average earning assets | $303,295,400 | 1,961 |
| Average equity | $41,765,000 | 1,586 |
| Average total loans | $175,731,400 | 2,399 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4816% | 6,650 |
| Cost of funding earning assets | 2.0765% | 585 |
| Net interest margin | 2.4051% | 7,437 |
| Noninterest income to average assets | 2.3447% | 302 |
| Noninterest expense to average assets | 3.8564% | 1,269 |
| Loan and lease loss provision to assets | 0.1150% | 5,879 |
| Net operating income to assets | 0.3936% | 4,777 |
| Return on assets (ROA) | 0.2755% | 5,418 |
| Pretax return on assets | 0.3093% | 5,480 |
| Return on Equity (ROE) | 2.3433% | 5,478 |
| Retained earnings to average equity (ytd only) | 2.1227% | 4,905 |
| Net charge-offs to loans | 0.1631% | 5,016 |
| Credit loss provision to net charge-offs | 142.9907% | 2,747 |
| Earnings coverage of net charge-offs (x) | 6.9251% | 2,423 |
| Efficiency ratio | 87.2935% | 1,504 |
| Assets per employee ($millions) | 3.6721% | 4,561 |
| Cash dividends to net income (ytd only)* | 9.4136% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0955% | 2,006 |
| Loan loss allowance to noncurrent loans | 156.4425% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.6679% | 5,784 |
| Noncurrent loans to loans | 1.3395% | 4,622 |
| Net loans and leases to total assets | 48.2947% | 6,492 |
| Net loans and leases to deposits | 77.2676% | 3,964 |
| Net loans and leases to core deposits | 80.1121% | 4,503 |
| Total domestic deposits to total assets | 62.5032% | 7,549 |
| Equity capital to assets | 12.3228% | 1,955 |
| Core capital (leverage) ratio | 11.0975% | 2,194 |
| Tier 1 risk-based capital ratio | 15.6497% | 2,928 |
| Total risk-based capital ratio | 16.8534% | 2,909 |
| Memoranda: | ||
| Average total assets | $354,727,750 | 1,866 |
| Average earning assets | $305,118,500 | 1,978 |
| Average equity | $41,706,750 | 1,588 |
| Average total loans | $174,917,500 | 2,446 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5390% | 6,616 |
| Cost of funding earning assets | 2.0940% | 668 |
| Net interest margin | 2.4450% | 7,448 |
| Noninterest income to average assets | 2.2260% | 304 |
| Noninterest expense to average assets | 3.7938% | 1,368 |
| Loan and lease loss provision to assets | 0.1699% | 5,175 |
| Net operating income to assets | 0.2894% | 5,222 |
| Return on assets (ROA) | 0.3869% | 4,976 |
| Pretax return on assets | 0.4912% | 4,931 |
| Return on Equity (ROE) | 3.3430% | 5,085 |
| Retained earnings to average equity (ytd only) | 3.3430% | 3,981 |
| Net charge-offs to loans | 0.2377% | 4,177 |
| Credit loss provision to net charge-offs | 144.9761% | 2,744 |
| Earnings coverage of net charge-offs (x) | 4.5885% | 2,906 |
| Efficiency ratio | 87.5858% | 1,549 |
| Assets per employee ($millions) | 3.4744% | 4,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0791% | 2,013 |
| Loan loss allowance to noncurrent loans | 118.6062% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.8740% | 5,375 |
| Noncurrent loans to loans | 1.7530% | 4,054 |
| Net loans and leases to total assets | 48.4238% | 6,598 |
| Net loans and leases to deposits | 78.2998% | 3,913 |
| Net loans and leases to core deposits | 82.2206% | 4,387 |
| Total domestic deposits to total assets | 61.8441% | 7,631 |
| Equity capital to assets | 12.0023% | 2,094 |
| Core capital (leverage) ratio | 11.0704% | 2,185 |
| Tier 1 risk-based capital ratio | 15.5799% | 2,852 |
| Total risk-based capital ratio | 16.6950% | 2,890 |
| Memoranda: | ||
| Average total assets | $356,687,670 | 1,878 |
| Average earning assets | $307,158,330 | 1,985 |
| Average equity | $41,279,670 | 1,598 |
| Average total loans | $175,863,000 | 2,471 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5812% | 6,612 |
| Cost of funding earning assets | 2.0697% | 891 |
| Net interest margin | 2.5115% | 7,465 |
| Noninterest income to average assets | 2.1881% | 300 |
| Noninterest expense to average assets | 3.7689% | 1,371 |
| Loan and lease loss provision to assets | 0.1702% | 4,828 |
| Net operating income to assets | 0.3115% | 5,245 |
| Return on assets (ROA) | 0.4383% | 4,804 |
| Pretax return on assets | 0.5896% | 4,651 |
| Return on Equity (ROE) | 3.8570% | 4,955 |
| Retained earnings to average equity (ytd only) | 3.8570% | 3,824 |
| Net charge-offs to loans | 0.1875% | 3,797 |
| Credit loss provision to net charge-offs | 184.3373% | 1,988 |
| Earnings coverage of net charge-offs (x) | 6.3735% | 2,236 |
| Efficiency ratio | 86.4948% | 1,740 |
| Assets per employee ($millions) | 2.9573% | 6,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0542% | 2,051 |
| Loan loss allowance to noncurrent loans | 137.1079% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.7498% | 5,651 |
| Noncurrent loans to loans | 1.4982% | 4,495 |
| Net loans and leases to total assets | 48.1543% | 6,663 |
| Net loans and leases to deposits | 80.0431% | 3,651 |
| Net loans and leases to core deposits | 85.2820% | 3,994 |
| Total domestic deposits to total assets | 60.1605% | 7,757 |
| Equity capital to assets | 11.6875% | 2,239 |
| Core capital (leverage) ratio | 10.7457% | 2,419 |
| Tier 1 risk-based capital ratio | 15.5960% | 2,833 |
| Total risk-based capital ratio | 16.6924% | 2,844 |
| Memoranda: | ||
| Average total assets | $359,573,500 | 1,905 |
| Average earning assets | $310,572,500 | 2,008 |
| Average equity | $40,860,500 | 1,637 |
| Average total loans | $177,027,000 | 2,519 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7567% | 7,036 |
| Cost of funding earning assets | 2.7435% | 524 |
| Net interest margin | 2.0132% | 7,736 |
| Noninterest income to average assets | 2.2256% | 322 |
| Noninterest expense to average assets | 3.7561% | 1,783 |
| Loan and lease loss provision to assets | 0.4519% | 4,117 |
| Net operating income to assets | -0.0495% | 5,581 |
| Return on assets (ROA) | 0.0726% | 5,328 |
| Pretax return on assets | -0.0470% | 5,516 |
| Return on Equity (ROE) | 0.6384% | 5,346 |
| Retained earnings to average equity (ytd only) | 0.0851% | 4,856 |
| Net charge-offs to loans | 0.0808% | 6,299 |
| Credit loss provision to net charge-offs | 1,185.0746% | 260 |
| Earnings coverage of net charge-offs (x) | 5.6194% | 2,542 |
| Efficiency ratio | 94.5169% | 1,380 |
| Assets per employee ($millions) | 3.1134% | 5,958 |
| Cash dividends to net income (ytd only)* | 86.6667% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9568% | 2,122 |
| Loan loss allowance to noncurrent loans | 318.0090% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.3143% | 6,652 |
| Noncurrent loans to loans | 0.6153% | 6,016 |
| Net loans and leases to total assets | 48.3343% | 6,783 |
| Net loans and leases to deposits | 88.5040% | 2,469 |
| Net loans and leases to core deposits | 108.8378% | 3,017 |
| Total domestic deposits to total assets | 54.6126% | 7,870 |
| Equity capital to assets | 11.0481% | 2,677 |
| Core capital (leverage) ratio | 11.1093% | 2,172 |
| Tier 1 risk-based capital ratio | 15.2741% | 2,813 |
| Total risk-based capital ratio | 16.4380% | 2,810 |
| Memoranda: | ||
| Average total assets | $351,404,200 | 1,931 |
| Average earning assets | $304,536,600 | 2,040 |
| Average equity | $39,943,200 | 1,674 |
| Average total loans | $165,871,000 | 2,678 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8201% | 7,080 |
| Cost of funding earning assets | 2.9304% | 403 |
| Net interest margin | 1.8897% | 7,857 |
| Noninterest income to average assets | 2.3481% | 293 |
| Noninterest expense to average assets | 3.8296% | 1,540 |
| Loan and lease loss provision to assets | 0.2225% | 5,194 |
| Net operating income to assets | -0.0626% | 5,828 |
| Return on assets (ROA) | 0.1792% | 5,292 |
| Pretax return on assets | 0.1922% | 5,320 |
| Return on Equity (ROE) | 1.5651% | 5,312 |
| Retained earnings to average equity (ytd only) | 1.1103% | 4,701 |
| Net charge-offs to loans | 0.0337% | 6,425 |
| Credit loss provision to net charge-offs | 1,417.0732% | 274 |
| Earnings coverage of net charge-offs (x) | 9.8528% | 2,048 |
| Efficiency ratio | 96.0019% | 1,277 |
| Assets per employee ($millions) | 3.0465% | 6,049 |
| Cash dividends to net income (ytd only)* | 29.0602% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5579% | 3,164 |
| Loan loss allowance to noncurrent loans | 246.9136% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.3320% | 6,651 |
| Noncurrent loans to loans | 0.6310% | 6,035 |
| Net loans and leases to total assets | 46.8924% | 7,045 |
| Net loans and leases to deposits | 85.7229% | 3,375 |
| Net loans and leases to core deposits | 107.3968% | 3,545 |
| Total domestic deposits to total assets | 54.7023% | 7,942 |
| Equity capital to assets | 11.7098% | 2,426 |
| Core capital (leverage) ratio | 11.6796% | 1,975 |
| Tier 1 risk-based capital ratio | 19.4736% | 1,652 |
| Total risk-based capital ratio | 20.6565% | 1,625 |
| Memoranda: | ||
| Average total assets | $348,187,500 | 1,970 |
| Average earning assets | $301,479,000 | 2,078 |
| Average equity | $39,867,750 | 1,707 |
| Average total loans | $162,443,250 | 2,750 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7599% | 7,292 |
| Cost of funding earning assets | 3.0830% | 371 |
| Net interest margin | 1.6769% | 7,969 |
| Noninterest income to average assets | 2.3927% | 282 |
| Noninterest expense to average assets | 3.8640% | 1,550 |
| Loan and lease loss provision to assets | 0.0345% | 6,896 |
| Net operating income to assets | -0.0443% | 5,916 |
| Return on assets (ROA) | 0.1894% | 5,382 |
| Pretax return on assets | 0.1825% | 5,509 |
| Return on Equity (ROE) | 1.6666% | 5,414 |
| Retained earnings to average equity (ytd only) | 1.0688% | 4,731 |
| Net charge-offs to loans | 0.0509% | 5,773 |
| Credit loss provision to net charge-offs | 146.3415% | 3,161 |
| Earnings coverage of net charge-offs (x) | -0.7073% | 6,152 |
| Efficiency ratio | 100.2543% | 1,162 |
| Assets per employee ($millions) | 3.0639% | 5,965 |
| Cash dividends to net income (ytd only)* | 35.8663% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 4,477 |
| Loan loss allowance to noncurrent loans | 149.3534% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.4263% | 6,393 |
| Noncurrent loans to loans | 0.8492% | 5,523 |
| Net loans and leases to total assets | 45.9302% | 7,196 |
| Net loans and leases to deposits | 77.5549% | 4,938 |
| Net loans and leases to core deposits | 101.7254% | 4,306 |
| Total domestic deposits to total assets | 59.2228% | 7,958 |
| Equity capital to assets | 11.3846% | 2,611 |
| Core capital (leverage) ratio | 11.8759% | 1,889 |
| Tier 1 risk-based capital ratio | 20.0675% | 1,567 |
| Total risk-based capital ratio | 21.0889% | 1,566 |
| Memoranda: | ||
| Average total assets | $347,467,000 | 1,990 |
| Average earning assets | $301,392,670 | 2,106 |
| Average equity | $39,482,000 | 1,721 |
| Average total loans | $160,962,000 | 2,801 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9330% | 7,091 |
| Cost of funding earning assets | 3.2089% | 332 |
| Net interest margin | 1.7241% | 7,997 |
| Noninterest income to average assets | 2.5934% | 237 |
| Noninterest expense to average assets | 4.0310% | 1,151 |
| Loan and lease loss provision to assets | 0.0348% | 6,506 |
| Net operating income to assets | 0.0203% | 6,205 |
| Return on assets (ROA) | 0.2666% | 5,579 |
| Pretax return on assets | 0.3130% | 5,649 |
| Return on Equity (ROE) | 2.3490% | 5,642 |
| Retained earnings to average equity (ytd only) | 2.3490% | 4,570 |
| Net charge-offs to loans | 0.0828% | 4,338 |
| Credit loss provision to net charge-offs | 90.9091% | 3,981 |
| Earnings coverage of net charge-offs (x) | 1.5152% | 3,974 |
| Efficiency ratio | 98.2138% | 1,206 |
| Assets per employee ($millions) | 3.0460% | 6,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2668% | 4,298 |
| Loan loss allowance to noncurrent loans | 132.7954% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.4662% | 6,088 |
| Noncurrent loans to loans | 0.9540% | 5,087 |
| Net loans and leases to total assets | 46.1699% | 7,176 |
| Net loans and leases to deposits | 77.8698% | 4,949 |
| Net loans and leases to core deposits | 103.7099% | 4,169 |
| Total domestic deposits to total assets | 59.2912% | 7,981 |
| Equity capital to assets | 11.3968% | 2,660 |
| Core capital (leverage) ratio | 11.9019% | 1,940 |
| Tier 1 risk-based capital ratio | 20.4472% | 1,530 |
| Total risk-based capital ratio | 21.4782% | 1,534 |
| Memoranda: | ||
| Average total assets | $345,023,500 | 2,013 |
| Average earning assets | $299,288,000 | 2,130 |
| Average equity | $39,166,000 | 1,736 |
| Average total loans | $159,485,000 | 2,856 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6472% | 6,938 |
| Cost of funding earning assets | 3.6701% | 294 |
| Net interest margin | 1.9771% | 8,074 |
| Noninterest income to average assets | 2.4468% | 260 |
| Noninterest expense to average assets | 3.6629% | 2,022 |
| Loan and lease loss provision to assets | 0.0032% | 7,311 |
| Net operating income to assets | 0.4893% | 4,789 |
| Return on assets (ROA) | -0.2269% | 6,492 |
| Pretax return on assets | -0.6037% | 6,736 |
| Return on Equity (ROE) | -2.1028% | 6,522 |
| Retained earnings to average equity (ytd only) | -3.3030% | 6,177 |
| Net charge-offs to loans | 0.1289% | 4,944 |
| Credit loss provision to net charge-offs | 5.9406% | 6,637 |
| Earnings coverage of net charge-offs (x) | 9.5149% | 2,672 |
| Efficiency ratio | 86.6323% | 1,793 |
| Assets per employee ($millions) | 3.0884% | 5,811 |
| Cash dividends to net income (ytd only)* | -57.0749% | 8,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 3,673 |
| Loan loss allowance to noncurrent loans | 148.9516% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.5061% | 5,668 |
| Noncurrent loans to loans | 0.8832% | 4,852 |
| Net loans and leases to total assets | 45.0786% | 7,402 |
| Net loans and leases to deposits | 78.2406% | 5,306 |
| Net loans and leases to core deposits | 102.8924% | 4,513 |
| Total domestic deposits to total assets | 57.6153% | 8,025 |
| Equity capital to assets | 11.3060% | 2,797 |
| Core capital (leverage) ratio | 10.5079% | 2,972 |
| Tier 1 risk-based capital ratio | 19.4251% | 1,722 |
| Total risk-based capital ratio | 20.4248% | 1,733 |
| Memoranda: | ||
| Average total assets | $370,694,400 | 1,814 |
| Average earning assets | $325,221,000 | 1,875 |
| Average equity | $39,994,000 | 1,682 |
| Average total loans | $156,751,400 | 2,822 |