Home > Rabun County Bank > Performance and Condition Ratios
Rabun County 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 | 5.3203% | 1,460 |
| Cost of funding earning assets | 0.9454% | 3,422 |
| Net interest margin | 4.3749% | 728 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 2.4992% | 2,299 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.6868% | 751 |
| Return on assets (ROA) | 1.6868% | 722 |
| Pretax return on assets | 2.2271% | 476 |
| Return on Equity (ROE) | 15.8600% | 1,124 |
| Retained earnings to average equity (ytd only) | 10.3393% | 933 |
| Net charge-offs to loans | -0.0110% | 4,016 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 52.8390% | 3,765 |
| Assets per employee ($millions) | 6.3865% | 2,489 |
| Cash dividends to net income (ytd only)* | 34.8296% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7159% | 635 |
| Loan loss allowance to noncurrent loans | 1,475.1244% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.3580% | 1,530 |
| Noncurrent loans to loans | 0.1163% | 2,939 |
| Net loans and leases to total assets | 59.0900% | 2,937 |
| Net loans and leases to deposits | 66.8388% | 3,120 |
| Net loans and leases to core deposits | 70.1189% | 3,301 |
| Total domestic deposits to total assets | 88.4100% | 1,228 |
| Equity capital to assets | 10.9919% | 1,485 |
| Core capital (leverage) ratio | 11.3028% | 1,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $280,005,000 | 2,525 |
| Average earning assets | $265,605,600 | 2,486 |
| Average equity | $29,770,000 | 2,268 |
| Average total loans | $163,225,800 | 2,574 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1556% | 1,536 |
| Cost of funding earning assets | 0.7890% | 3,555 |
| Net interest margin | 4.3666% | 734 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 2.4849% | 2,283 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6820% | 818 |
| Return on assets (ROA) | 1.6820% | 809 |
| Pretax return on assets | 2.2275% | 541 |
| Return on Equity (ROE) | 15.9600% | 1,264 |
| Retained earnings to average equity (ytd only) | 8.4778% | 1,820 |
| Net charge-offs to loans | -0.0141% | 4,034 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 52.6829% | 3,703 |
| Assets per employee ($millions) | 6.4648% | 2,347 |
| Cash dividends to net income (ytd only)* | 46.8795% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7819% | 588 |
| Loan loss allowance to noncurrent loans | 1,452.9412% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.3712% | 1,549 |
| Noncurrent loans to loans | 0.1226% | 2,947 |
| Net loans and leases to total assets | 58.7700% | 2,965 |
| Net loans and leases to deposits | 66.3580% | 3,102 |
| Net loans and leases to core deposits | 69.0396% | 3,267 |
| Total domestic deposits to total assets | 88.5700% | 1,386 |
| Equity capital to assets | 10.8649% | 1,403 |
| Core capital (leverage) ratio | 11.1269% | 1,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $278,158,000 | 2,539 |
| Average earning assets | $263,965,250 | 2,497 |
| Average equity | $29,315,000 | 2,283 |
| Average total loans | $160,833,500 | 2,602 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0156% | 1,537 |
| Cost of funding earning assets | 0.6029% | 3,743 |
| Net interest margin | 4.4127% | 695 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.4391% | 2,376 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7368% | 729 |
| Return on assets (ROA) | 1.7368% | 733 |
| Pretax return on assets | 2.3054% | 466 |
| Return on Equity (ROE) | 16.6500% | 1,154 |
| Retained earnings to average equity (ytd only) | 5.3138% | 2,855 |
| Net charge-offs to loans | -0.0201% | 4,125 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.3780% | 3,819 |
| Assets per employee ($millions) | 6.1184% | 2,608 |
| Cash dividends to net income (ytd only)* | 68.0877% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7855% | 635 |
| Loan loss allowance to noncurrent loans | 1,316.8889% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.3825% | 1,390 |
| Noncurrent loans to loans | 0.1356% | 2,793 |
| Net loans and leases to total assets | 59.2000% | 2,845 |
| Net loans and leases to deposits | 66.5260% | 3,032 |
| Net loans and leases to core deposits | 68.8975% | 3,194 |
| Total domestic deposits to total assets | 88.9800% | 1,267 |
| Equity capital to assets | 10.6016% | 1,549 |
| Core capital (leverage) ratio | 10.9617% | 1,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $278,215,333 | 2,540 |
| Average earning assets | $264,372,667 | 2,502 |
| Average equity | $29,019,000 | 2,305 |
| Average total loans | $158,998,667 | 2,611 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7221% | 1,793 |
| Cost of funding earning assets | 0.4423% | 3,856 |
| Net interest margin | 4.2798% | 839 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.3285% | 2,735 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.6635% | 881 |
| Return on assets (ROA) | 1.6635% | 880 |
| Pretax return on assets | 2.2370% | 536 |
| Return on Equity (ROE) | 16.0800% | 1,341 |
| Retained earnings to average equity (ytd only) | 16.0780% | 684 |
| Net charge-offs to loans | -0.0412% | 4,315 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.9227% | 3,859 |
| Assets per employee ($millions) | 5.9857% | 2,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8501% | 604 |
| Loan loss allowance to noncurrent loans | 11,852.0000% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.3167% | 1,587 |
| Noncurrent loans to loans | 0.0156% | 3,690 |
| Net loans and leases to total assets | 58.3600% | 2,836 |
| Net loans and leases to deposits | 65.8710% | 2,945 |
| Net loans and leases to core deposits | 67.7505% | 3,112 |
| Total domestic deposits to total assets | 88.5900% | 1,705 |
| Equity capital to assets | 10.9988% | 1,337 |
| Core capital (leverage) ratio | 11.0685% | 1,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $279,659,500 | 2,558 |
| Average earning assets | $265,900,000 | 2,530 |
| Average equity | $28,934,000 | 2,337 |
| Average total loans | $155,522,500 | 2,661 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4955% | 3,086 |
| Cost of funding earning assets | 0.1283% | 4,238 |
| Net interest margin | 3.3672% | 2,354 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 2.3629% | 2,535 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2128% | 1,725 |
| Return on assets (ROA) | 1.2128% | 1,671 |
| Pretax return on assets | 1.4875% | 1,492 |
| Return on Equity (ROE) | 12.0200% | 2,127 |
| Retained earnings to average equity (ytd only) | 8.1919% | 1,757 |
| Net charge-offs to loans | -0.0028% | 3,509 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.3676% | 2,862 |
| Assets per employee ($millions) | 6.1694% | 2,621 |
| Cash dividends to net income (ytd only)* | 31.8638% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0942% | 362 |
| Loan loss allowance to noncurrent loans | 13,739.1304% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.2935% | 1,685 |
| Noncurrent loans to loans | 0.0152% | 3,732 |
| Net loans and leases to total assets | 50.9500% | 3,435 |
| Net loans and leases to deposits | 56.6100% | 3,537 |
| Net loans and leases to core deposits | 57.4747% | 3,645 |
| Total domestic deposits to total assets | 90.0000% | 1,363 |
| Equity capital to assets | 9.7399% | 1,862 |
| Core capital (leverage) ratio | 10.4078% | 2,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $271,187,400 | 2,600 |
| Average earning assets | $257,189,400 | 2,566 |
| Average equity | $27,356,200 | 2,459 |
| Average total loans | $143,786,800 | 2,692 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2044% | 3,425 |
| Cost of funding earning assets | 0.0988% | 4,293 |
| Net interest margin | 3.1057% | 2,921 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 2.3440% | 2,496 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1137% | 2,035 |
| Return on assets (ROA) | 1.1137% | 2,003 |
| Pretax return on assets | 1.3018% | 2,040 |
| Return on Equity (ROE) | 10.9400% | 2,398 |
| Retained earnings to average equity (ytd only) | 10.9377% | 1,069 |
| Net charge-offs to loans | -0.0028% | 3,336 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.2926% | 2,505 |
| Assets per employee ($millions) | 5.7216% | 3,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1330% | 387 |
| Loan loss allowance to noncurrent loans | 13,162.5000% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.3168% | 1,671 |
| Noncurrent loans to loans | 0.0162% | 3,809 |
| Net loans and leases to total assets | 53.9000% | 3,113 |
| Net loans and leases to deposits | 60.4259% | 3,161 |
| Net loans and leases to core deposits | 61.1780% | 3,289 |
| Total domestic deposits to total assets | 89.2000% | 2,002 |
| Equity capital to assets | 10.4867% | 1,375 |
| Core capital (leverage) ratio | 10.6937% | 1,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $266,493,750 | 2,649 |
| Average earning assets | $252,393,500 | 2,622 |
| Average equity | $27,134,750 | 2,505 |
| Average total loans | $142,010,000 | 2,718 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8974% | 3,792 |
| Cost of funding earning assets | 0.1097% | 4,086 |
| Net interest margin | 2.7877% | 3,480 |
| Noninterest income to average assets | 0.7467% | 1,179 |
| Noninterest expense to average assets | 2.3434% | 2,418 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7866% | 3,007 |
| Return on assets (ROA) | 0.7866% | 2,976 |
| Pretax return on assets | 1.0433% | 2,593 |
| Return on Equity (ROE) | 7.8044% | 3,071 |
| Retained earnings to average equity (ytd only) | 7.8044% | 1,688 |
| Net charge-offs to loans | -0.0043% | 3,294 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1932% | 2,077 |
| Assets per employee ($millions) | 6.0085% | 2,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1841% | 392 |
| Loan loss allowance to noncurrent loans | 1,315.8333% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.4040% | 1,393 |
| Noncurrent loans to loans | 0.1660% | 2,862 |
| Net loans and leases to total assets | 53.4979% | 3,010 |
| Net loans and leases to deposits | 59.7784% | 3,064 |
| Net loans and leases to core deposits | 60.6131% | 3,226 |
| Total domestic deposits to total assets | 89.4936% | 1,951 |
| Equity capital to assets | 10.2843% | 1,541 |
| Core capital (leverage) ratio | 10.3660% | 2,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $265,687,333 | 2,675 |
| Average earning assets | $251,605,333 | 2,659 |
| Average equity | $26,779,667 | 2,597 |
| Average total loans | $139,979,333 | 2,753 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7638% | 3,815 |
| Cost of funding earning assets | 0.1158% | 3,943 |
| Net interest margin | 2.6480% | 3,529 |
| Noninterest income to average assets | 0.7644% | 1,135 |
| Noninterest expense to average assets | 2.3503% | 2,338 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6983% | 3,060 |
| Return on assets (ROA) | 0.6983% | 3,050 |
| Pretax return on assets | 0.9221% | 2,691 |
| Return on Equity (ROE) | 6.9991% | 3,041 |
| Retained earnings to average equity (ytd only) | 6.9991% | 1,892 |
| Net charge-offs to loans | -0.0029% | 3,176 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8219% | 2,000 |
| Assets per employee ($millions) | 5.7695% | 3,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2590% | 400 |
| Loan loss allowance to noncurrent loans | 1,408.9286% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.4052% | 1,493 |
| Noncurrent loans to loans | 0.1603% | 3,001 |
| Net loans and leases to total assets | 52.5954% | 2,930 |
| Net loans and leases to deposits | 60.0415% | 2,907 |
| Net loans and leases to core deposits | 60.9234% | 3,070 |
| Total domestic deposits to total assets | 87.5985% | 2,707 |
| Equity capital to assets | 10.2843% | 1,698 |
| Core capital (leverage) ratio | 10.2115% | 2,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $266,344,500 | 2,686 |
| Average earning assets | $252,265,000 | 2,668 |
| Average equity | $26,575,000 | 2,679 |
| Average total loans | $137,673,000 | 2,770 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9952% | 3,882 |
| Cost of funding earning assets | 0.1494% | 3,985 |
| Net interest margin | 2.8458% | 3,572 |
| Noninterest income to average assets | 0.8921% | 1,226 |
| Noninterest expense to average assets | 2.4412% | 2,362 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8504% | 3,187 |
| Return on assets (ROA) | 0.8504% | 3,255 |
| Pretax return on assets | 1.1306% | 2,881 |
| Return on Equity (ROE) | 8.0432% | 3,208 |
| Retained earnings to average equity (ytd only) | 4.9134% | 2,815 |
| Net charge-offs to loans | -0.0458% | 4,287 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3470% | 1,934 |
| Assets per employee ($millions) | 5.9361% | 2,837 |
| Cash dividends to net income (ytd only)* | 38.9127% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3268% | 368 |
| Loan loss allowance to noncurrent loans | 1,228.0156% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.3973% | 1,636 |
| Noncurrent loans to loans | 0.1895% | 3,000 |
| Net loans and leases to total assets | 48.5172% | 3,450 |
| Net loans and leases to deposits | 54.9502% | 3,522 |
| Net loans and leases to core deposits | 55.7733% | 3,634 |
| Total domestic deposits to total assets | 88.2930% | 1,878 |
| Equity capital to assets | 9.6861% | 2,958 |
| Core capital (leverage) ratio | 10.0361% | 2,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,600,600 | 2,752 |
| Average earning assets | $232,203,600 | 2,731 |
| Average equity | $26,071,800 | 2,779 |
| Average total loans | $133,310,000 | 2,810 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0842% | 3,848 |
| Cost of funding earning assets | 0.1609% | 4,008 |
| Net interest margin | 2.9233% | 3,498 |
| Noninterest income to average assets | 0.8778% | 1,300 |
| Noninterest expense to average assets | 2.4673% | 2,219 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8695% | 3,325 |
| Return on assets (ROA) | 0.8695% | 3,400 |
| Pretax return on assets | 1.1567% | 3,054 |
| Return on Equity (ROE) | 8.0324% | 3,396 |
| Retained earnings to average equity (ytd only) | 8.0324% | 2,046 |
| Net charge-offs to loans | -0.0593% | 4,424 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0822% | 1,819 |
| Assets per employee ($millions) | 5.4488% | 3,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4047% | 331 |
| Loan loss allowance to noncurrent loans | 3,031.7308% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.3639% | 1,986 |
| Noncurrent loans to loans | 0.0793% | 3,693 |
| Net loans and leases to total assets | 49.9672% | 3,416 |
| Net loans and leases to deposits | 57.1874% | 3,472 |
| Net loans and leases to core deposits | 58.1167% | 3,621 |
| Total domestic deposits to total assets | 87.3746% | 2,171 |
| Equity capital to assets | 10.4509% | 2,492 |
| Core capital (leverage) ratio | 10.4446% | 2,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,985,750 | 2,816 |
| Average earning assets | $225,447,250 | 2,798 |
| Average equity | $25,977,500 | 2,818 |
| Average total loans | $132,728,250 | 2,854 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1722% | 3,722 |
| Cost of funding earning assets | 0.1746% | 3,996 |
| Net interest margin | 2.9976% | 3,335 |
| Noninterest income to average assets | 0.8303% | 1,456 |
| Noninterest expense to average assets | 2.5147% | 2,092 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8473% | 3,374 |
| Return on assets (ROA) | 0.8473% | 3,451 |
| Pretax return on assets | 1.1252% | 3,130 |
| Return on Equity (ROE) | 7.7308% | 3,483 |
| Retained earnings to average equity (ytd only) | 7.7308% | 2,182 |
| Net charge-offs to loans | -0.0855% | 4,578 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0867% | 1,747 |
| Assets per employee ($millions) | 5.3237% | 3,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3578% | 329 |
| Loan loss allowance to noncurrent loans | 7,161.3636% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.4006% | 2,003 |
| Noncurrent loans to loans | 0.0329% | 4,035 |
| Net loans and leases to total assets | 53.2849% | 3,225 |
| Net loans and leases to deposits | 61.2235% | 3,282 |
| Net loans and leases to core deposits | 62.2683% | 3,438 |
| Total domestic deposits to total assets | 87.0334% | 2,298 |
| Equity capital to assets | 10.6978% | 2,229 |
| Core capital (leverage) ratio | 10.7106% | 1,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,616,333 | 2,848 |
| Average earning assets | $219,911,667 | 2,829 |
| Average equity | $25,715,333 | 2,830 |
| Average total loans | $133,265,667 | 2,858 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3006% | 3,446 |
| Cost of funding earning assets | 0.1901% | 4,010 |
| Net interest margin | 3.1105% | 2,956 |
| Noninterest income to average assets | 0.8628% | 1,425 |
| Noninterest expense to average assets | 2.6181% | 1,837 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8698% | 3,207 |
| Return on assets (ROA) | 0.8698% | 3,293 |
| Pretax return on assets | 1.1539% | 2,972 |
| Return on Equity (ROE) | 7.8354% | 3,378 |
| Retained earnings to average equity (ytd only) | 7.8354% | 2,304 |
| Net charge-offs to loans | -0.1082% | 4,662 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4085% | 1,768 |
| Assets per employee ($millions) | 5.3709% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3793% | 316 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3999% | 2,206 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 54.3435% | 3,207 |
| Net loans and leases to deposits | 62.6028% | 3,261 |
| Net loans and leases to core deposits | 63.7964% | 3,433 |
| Total domestic deposits to total assets | 86.8068% | 2,387 |
| Equity capital to assets | 10.8781% | 1,952 |
| Core capital (leverage) ratio | 10.8583% | 1,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $229,479,000 | 2,870 |
| Average earning assets | $214,630,500 | 2,857 |
| Average equity | $25,474,000 | 2,841 |
| Average total loans | $133,078,000 | 2,865 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7709% | 3,389 |
| Cost of funding earning assets | 0.3398% | 3,924 |
| Net interest margin | 3.4310% | 2,669 |
| Noninterest income to average assets | 0.6859% | 1,909 |
| Noninterest expense to average assets | 2.8245% | 1,883 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7939% | 3,117 |
| Return on assets (ROA) | 0.7939% | 3,232 |
| Pretax return on assets | 1.0440% | 2,902 |
| Return on Equity (ROE) | 6.4671% | 3,421 |
| Retained earnings to average equity (ytd only) | 2.1597% | 3,760 |
| Net charge-offs to loans | -0.0821% | 4,771 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0131% | 1,571 |
| Assets per employee ($millions) | 4.7370% | 3,679 |
| Cash dividends to net income (ytd only)* | 66.6054% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2986% | 354 |
| Loan loss allowance to noncurrent loans | 1,381.2500% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.5251% | 1,976 |
| Noncurrent loans to loans | 0.1664% | 3,613 |
| Net loans and leases to total assets | 59.0678% | 2,973 |
| Net loans and leases to deposits | 68.5269% | 3,027 |
| Net loans and leases to core deposits | 69.4729% | 3,286 |
| Total domestic deposits to total assets | 86.1965% | 2,277 |
| Equity capital to assets | 11.3372% | 1,997 |
| Core capital (leverage) ratio | 11.0342% | 1,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,558,000 | 2,896 |
| Average earning assets | $190,672,600 | 2,904 |
| Average equity | $25,235,400 | 2,781 |
| Average total loans | $130,259,400 | 2,865 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8860% | 3,294 |
| Cost of funding earning assets | 0.3706% | 3,955 |
| Net interest margin | 3.5154% | 2,542 |
| Noninterest income to average assets | 0.6008% | 2,175 |
| Noninterest expense to average assets | 2.8489% | 1,827 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7697% | 3,211 |
| Return on assets (ROA) | 0.7697% | 3,327 |
| Pretax return on assets | 1.0068% | 3,048 |
| Return on Equity (ROE) | 6.1397% | 3,510 |
| Retained earnings to average equity (ytd only) | 6.1397% | 2,051 |
| Net charge-offs to loans | -0.0041% | 4,014 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8876% | 1,415 |
| Assets per employee ($millions) | 4.5913% | 3,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2398% | 324 |
| Loan loss allowance to noncurrent loans | 409.7260% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.7220% | 1,617 |
| Noncurrent loans to loans | 0.5466% | 2,428 |
| Net loans and leases to total assets | 60.4978% | 3,168 |
| Net loans and leases to deposits | 70.8725% | 3,229 |
| Net loans and leases to core deposits | 71.7907% | 3,490 |
| Total domestic deposits to total assets | 85.3614% | 2,296 |
| Equity capital to assets | 11.9851% | 1,684 |
| Core capital (leverage) ratio | 11.8170% | 1,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,287,750 | 2,910 |
| Average earning assets | $186,374,750 | 2,921 |
| Average equity | $25,234,000 | 2,775 |
| Average total loans | $129,173,750 | 2,879 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0180% | 3,282 |
| Cost of funding earning assets | 0.3954% | 4,051 |
| Net interest margin | 3.6225% | 2,408 |
| Noninterest income to average assets | 0.4530% | 2,791 |
| Noninterest expense to average assets | 2.8954% | 1,839 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6994% | 3,392 |
| Return on assets (ROA) | 0.6994% | 3,498 |
| Pretax return on assets | 0.9061% | 3,296 |
| Return on Equity (ROE) | 5.4907% | 3,677 |
| Retained earnings to average equity (ytd only) | 5.4907% | 2,277 |
| Net charge-offs to loans | -0.0031% | 3,890 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1650% | 1,249 |
| Assets per employee ($millions) | 4.2950% | 4,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2319% | 317 |
| Loan loss allowance to noncurrent loans | 404.4655% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.8940% | 1,368 |
| Noncurrent loans to loans | 0.5518% | 2,515 |
| Net loans and leases to total assets | 63.5101% | 2,936 |
| Net loans and leases to deposits | 74.7663% | 3,001 |
| Net loans and leases to core deposits | 76.1234% | 3,273 |
| Total domestic deposits to total assets | 84.9448% | 2,424 |
| Equity capital to assets | 12.3180% | 1,470 |
| Core capital (leverage) ratio | 12.2621% | 1,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $196,452,667 | 2,931 |
| Average earning assets | $181,585,000 | 2,938 |
| Average equity | $25,024,333 | 2,778 |
| Average total loans | $127,718,000 | 2,883 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3043% | 2,907 |
| Cost of funding earning assets | 0.4227% | 4,267 |
| Net interest margin | 3.8816% | 1,731 |
| Noninterest income to average assets | 0.1962% | 4,373 |
| Noninterest expense to average assets | 2.9541% | 2,003 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6472% | 3,456 |
| Return on assets (ROA) | 0.6472% | 3,517 |
| Pretax return on assets | 0.8267% | 3,341 |
| Return on Equity (ROE) | 4.9921% | 3,636 |
| Retained earnings to average equity (ytd only) | 4.9921% | 2,283 |
| Net charge-offs to loans | -0.0225% | 4,372 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1336% | 1,317 |
| Assets per employee ($millions) | 4.1472% | 3,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3763% | 294 |
| Loan loss allowance to noncurrent loans | 371.9255% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.9794% | 1,355 |
| Noncurrent loans to loans | 0.6389% | 2,393 |
| Net loans and leases to total assets | 63.1035% | 3,176 |
| Net loans and leases to deposits | 74.8608% | 3,182 |
| Net loans and leases to core deposits | 76.0170% | 3,490 |
| Total domestic deposits to total assets | 84.2944% | 2,673 |
| Equity capital to assets | 12.8321% | 1,532 |
| Core capital (leverage) ratio | 12.5884% | 1,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,598,500 | 2,941 |
| Average earning assets | $176,938,500 | 2,945 |
| Average equity | $24,839,000 | 2,786 |
| Average total loans | $124,616,000 | 2,905 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7169% | 2,279 |
| Cost of funding earning assets | 0.3813% | 4,505 |
| Net interest margin | 4.3357% | 1,023 |
| Noninterest income to average assets | 0.8034% | 1,445 |
| Noninterest expense to average assets | 3.2163% | 1,484 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2062% | 2,036 |
| Return on assets (ROA) | 1.2062% | 2,124 |
| Pretax return on assets | 1.5873% | 1,522 |
| Return on Equity (ROE) | 9.0292% | 2,741 |
| Retained earnings to average equity (ytd only) | 6.5373% | 1,595 |
| Net charge-offs to loans | -0.3139% | 5,092 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9554% | 2,625 |
| Assets per employee ($millions) | 3.8424% | 4,106 |
| Cash dividends to net income (ytd only)* | 27.5989% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4238% | 241 |
| Loan loss allowance to noncurrent loans | 365.1589% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.6724% | 1,911 |
| Noncurrent loans to loans | 0.6638% | 2,229 |
| Net loans and leases to total assets | 63.8685% | 3,216 |
| Net loans and leases to deposits | 76.0716% | 3,172 |
| Net loans and leases to core deposits | 77.5998% | 3,473 |
| Total domestic deposits to total assets | 83.9584% | 2,856 |
| Equity capital to assets | 13.1008% | 1,459 |
| Core capital (leverage) ratio | 12.6529% | 1,405 |
| Tier 1 risk-based capital ratio | 20.6829% | 1,222 |
| Total risk-based capital ratio | 21.9502% | 1,184 |
| Memoranda: | ||
| Average total assets | $180,239,200 | 3,020 |
| Average earning assets | $166,294,200 | 3,028 |
| Average equity | $24,077,400 | 2,788 |
| Average total loans | $122,951,400 | 2,912 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7700% | 2,217 |
| Cost of funding earning assets | 0.3644% | 4,616 |
| Net interest margin | 4.4057% | 933 |
| Noninterest income to average assets | 0.8042% | 1,402 |
| Noninterest expense to average assets | 3.2227% | 1,418 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2523% | 2,009 |
| Return on assets (ROA) | 1.2523% | 2,092 |
| Pretax return on assets | 1.6428% | 1,489 |
| Return on Equity (ROE) | 9.3269% | 2,745 |
| Retained earnings to average equity (ytd only) | 9.3269% | 950 |
| Net charge-offs to loans | -0.4177% | 5,178 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2362% | 2,696 |
| Assets per employee ($millions) | 3.8231% | 4,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3636% | 264 |
| Loan loss allowance to noncurrent loans | 243.7551% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.6790% | 1,997 |
| Noncurrent loans to loans | 0.9697% | 1,650 |
| Net loans and leases to total assets | 67.2154% | 2,896 |
| Net loans and leases to deposits | 80.6406% | 2,837 |
| Net loans and leases to core deposits | 82.0514% | 3,243 |
| Total domestic deposits to total assets | 83.3519% | 3,043 |
| Equity capital to assets | 13.4979% | 1,363 |
| Core capital (leverage) ratio | 12.9798% | 1,353 |
| Tier 1 risk-based capital ratio | 20.5897% | 1,261 |
| Total risk-based capital ratio | 21.8570% | 1,230 |
| Memoranda: | ||
| Average total assets | $178,229,250 | 3,064 |
| Average earning assets | $164,299,250 | 3,078 |
| Average equity | $23,930,250 | 2,811 |
| Average total loans | $122,879,750 | 2,940 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7440% | 2,245 |
| Cost of funding earning assets | 0.3400% | 4,716 |
| Net interest margin | 4.4040% | 936 |
| Noninterest income to average assets | 0.8307% | 1,248 |
| Noninterest expense to average assets | 3.2164% | 1,472 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3135% | 1,725 |
| Return on assets (ROA) | 1.3135% | 1,788 |
| Pretax return on assets | 1.6660% | 1,347 |
| Return on Equity (ROE) | 9.8011% | 2,480 |
| Retained earnings to average equity (ytd only) | 9.8011% | 816 |
| Net charge-offs to loans | -0.7755% | 5,247 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8774% | 2,820 |
| Assets per employee ($millions) | 3.8095% | 4,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5137% | 217 |
| Loan loss allowance to noncurrent loans | 261.7547% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.6808% | 2,014 |
| Noncurrent loans to loans | 0.9603% | 1,695 |
| Net loans and leases to total assets | 66.5628% | 3,032 |
| Net loans and leases to deposits | 79.8984% | 2,965 |
| Net loans and leases to core deposits | 81.3063% | 3,310 |
| Total domestic deposits to total assets | 83.3093% | 3,113 |
| Equity capital to assets | 13.5496% | 1,298 |
| Core capital (leverage) ratio | 13.1866% | 1,220 |
| Tier 1 risk-based capital ratio | 20.5056% | 1,251 |
| Total risk-based capital ratio | 21.7743% | 1,215 |
| Memoranda: | ||
| Average total assets | $176,469,000 | 3,096 |
| Average earning assets | $162,352,670 | 3,109 |
| Average equity | $23,650,330 | 2,828 |
| Average total loans | $121,728,670 | 2,967 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7853% | 1,946 |
| Cost of funding earning assets | 0.3006% | 4,845 |
| Net interest margin | 4.4847% | 764 |
| Noninterest income to average assets | 0.8152% | 1,254 |
| Noninterest expense to average assets | 3.1670% | 1,584 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3928% | 1,398 |
| Return on assets (ROA) | 1.3928% | 1,431 |
| Pretax return on assets | 1.7696% | 1,053 |
| Return on Equity (ROE) | 10.4517% | 2,174 |
| Retained earnings to average equity (ytd only) | 10.4517% | 932 |
| Net charge-offs to loans | -1.7914% | 5,321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1536% | 3,219 |
| Assets per employee ($millions) | 3.6280% | 4,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5942% | 221 |
| Loan loss allowance to noncurrent loans | 262.5209% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.9521% | 1,476 |
| Noncurrent loans to loans | 0.9882% | 1,698 |
| Net loans and leases to total assets | 67.8094% | 2,777 |
| Net loans and leases to deposits | 81.4633% | 2,671 |
| Net loans and leases to core deposits | 82.7089% | 3,133 |
| Total domestic deposits to total assets | 83.2392% | 3,302 |
| Equity capital to assets | 13.5698% | 1,184 |
| Core capital (leverage) ratio | 12.9776% | 1,285 |
| Tier 1 risk-based capital ratio | 19.7285% | 1,389 |
| Total risk-based capital ratio | 20.9978% | 1,366 |
| Memoranda: | ||
| Average total assets | $175,180,500 | 3,142 |
| Average earning assets | $160,992,500 | 3,156 |
| Average equity | $23,345,500 | 2,852 |
| Average total loans | $121,467,500 | 3,004 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5554% | 2,276 |
| Cost of funding earning assets | 0.2255% | 4,904 |
| Net interest margin | 4.3299% | 1,090 |
| Noninterest income to average assets | 0.3675% | 3,641 |
| Noninterest expense to average assets | 3.0543% | 1,908 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.5675% | 132 |
| Return on assets (ROA) | 2.5675% | 131 |
| Pretax return on assets | 1.3096% | 2,462 |
| Return on Equity (ROE) | 20.7640% | 216 |
| Retained earnings to average equity (ytd only) | 13.1270% | 223 |
| Net charge-offs to loans | -0.0567% | 5,014 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9908% | 2,187 |
| Assets per employee ($millions) | 3.6712% | 4,361 |
| Cash dividends to net income (ytd only)* | 36.7798% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1372% | 378 |
| Loan loss allowance to noncurrent loans | 171.4568% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 1.1247% | 1,182 |
| Noncurrent loans to loans | 1.2465% | 1,275 |
| Net loans and leases to total assets | 67.5888% | 2,933 |
| Net loans and leases to deposits | 80.5975% | 2,889 |
| Net loans and leases to core deposits | 81.4691% | 3,309 |
| Total domestic deposits to total assets | 83.8597% | 3,046 |
| Equity capital to assets | 13.0861% | 1,301 |
| Core capital (leverage) ratio | 12.3788% | 1,524 |
| Tier 1 risk-based capital ratio | 19.0239% | 1,514 |
| Total risk-based capital ratio | 20.2866% | 1,476 |
| Memoranda: | ||
| Average total assets | $174,410,000 | 3,119 |
| Average earning assets | $160,972,800 | 3,130 |
| Average equity | $21,566,200 | 2,930 |
| Average total loans | $120,011,200 | 2,993 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4944% | 2,328 |
| Cost of funding earning assets | 0.2057% | 5,000 |
| Net interest margin | 4.2887% | 1,137 |
| Noninterest income to average assets | 0.6806% | 1,935 |
| Noninterest expense to average assets | 3.0497% | 1,878 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5934% | 978 |
| Return on assets (ROA) | 1.5934% | 983 |
| Pretax return on assets | 1.5934% | 1,603 |
| Return on Equity (ROE) | 13.0796% | 1,402 |
| Retained earnings to average equity (ytd only) | 13.0796% | 349 |
| Net charge-offs to loans | -0.0569% | 4,982 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6817% | 2,925 |
| Assets per employee ($millions) | 3.8423% | 4,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1658% | 381 |
| Loan loss allowance to noncurrent loans | 168.0104% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 1.4755% | 874 |
| Noncurrent loans to loans | 1.2891% | 1,306 |
| Net loans and leases to total assets | 66.0398% | 3,168 |
| Net loans and leases to deposits | 78.3988% | 3,200 |
| Net loans and leases to core deposits | 78.9716% | 3,571 |
| Total domestic deposits to total assets | 84.2357% | 2,868 |
| Equity capital to assets | 12.6123% | 1,516 |
| Core capital (leverage) ratio | 12.4461% | 1,531 |
| Tier 1 risk-based capital ratio | 20.0328% | 1,330 |
| Total risk-based capital ratio | 21.2968% | 1,293 |
| Memoranda: | ||
| Average total assets | $173,958,250 | 3,149 |
| Average earning assets | $160,728,750 | 3,160 |
| Average equity | $21,192,750 | 2,984 |
| Average total loans | $119,588,000 | 3,027 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4290% | 2,325 |
| Cost of funding earning assets | 0.1853% | 5,095 |
| Net interest margin | 4.2436% | 1,180 |
| Noninterest income to average assets | 0.6323% | 2,170 |
| Noninterest expense to average assets | 3.0723% | 1,855 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4772% | 1,207 |
| Return on assets (ROA) | 1.4772% | 1,208 |
| Pretax return on assets | 1.4772% | 1,903 |
| Return on Equity (ROE) | 12.2729% | 1,629 |
| Retained earnings to average equity (ytd only) | 12.2729% | 477 |
| Net charge-offs to loans | -0.0802% | 5,083 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5305% | 2,721 |
| Assets per employee ($millions) | 3.9356% | 4,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1826% | 383 |
| Loan loss allowance to noncurrent loans | 152.2714% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 1.5590% | 840 |
| Noncurrent loans to loans | 1.4333% | 1,181 |
| Net loans and leases to total assets | 65.3158% | 3,240 |
| Net loans and leases to deposits | 77.0822% | 3,245 |
| Net loans and leases to core deposits | 77.6410% | 3,606 |
| Total domestic deposits to total assets | 84.7353% | 2,778 |
| Equity capital to assets | 12.1411% | 1,749 |
| Core capital (leverage) ratio | 12.1695% | 1,605 |
| Tier 1 risk-based capital ratio | 19.1087% | 1,527 |
| Total risk-based capital ratio | 20.3721% | 1,485 |
| Memoranda: | ||
| Average total assets | $173,028,330 | 3,179 |
| Average earning assets | $159,721,330 | 3,193 |
| Average equity | $20,826,330 | 3,048 |
| Average total loans | $119,681,330 | 3,039 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2981% | 2,518 |
| Cost of funding earning assets | 0.1625% | 5,207 |
| Net interest margin | 4.1356% | 1,352 |
| Noninterest income to average assets | 0.7135% | 1,771 |
| Noninterest expense to average assets | 3.0481% | 1,951 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4761% | 1,128 |
| Return on assets (ROA) | 1.4761% | 1,133 |
| Pretax return on assets | 1.4761% | 1,744 |
| Return on Equity (ROE) | 12.3191% | 1,467 |
| Retained earnings to average equity (ytd only) | 12.3191% | 624 |
| Net charge-offs to loans | -0.0432% | 4,904 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3733% | 2,939 |
| Assets per employee ($millions) | 3.6709% | 4,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0902% | 466 |
| Loan loss allowance to noncurrent loans | 75.4147% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 3.0377% | 263 |
| Noncurrent loans to loans | 2.7716% | 454 |
| Net loans and leases to total assets | 69.1246% | 2,612 |
| Net loans and leases to deposits | 80.9703% | 2,704 |
| Net loans and leases to core deposits | 81.7266% | 3,167 |
| Total domestic deposits to total assets | 85.3703% | 2,797 |
| Equity capital to assets | 12.0505% | 1,747 |
| Core capital (leverage) ratio | 12.2071% | 1,525 |
| Tier 1 risk-based capital ratio | 18.0877% | 1,812 |
| Total risk-based capital ratio | 19.3505% | 1,757 |
| Memoranda: | ||
| Average total assets | $170,992,000 | 3,240 |
| Average earning assets | $157,559,000 | 3,241 |
| Average equity | $20,488,500 | 3,108 |
| Average total loans | $120,394,000 | 3,063 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9753% | 3,492 |
| Cost of funding earning assets | 0.1900% | 5,020 |
| Net interest margin | 3.7853% | 2,476 |
| Noninterest income to average assets | 0.6442% | 2,234 |
| Noninterest expense to average assets | 2.9402% | 2,318 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1964% | 1,533 |
| Return on assets (ROA) | 1.1975% | 1,554 |
| Pretax return on assets | 1.1975% | 2,781 |
| Return on Equity (ROE) | 10.8754% | 1,534 |
| Retained earnings to average equity (ytd only) | 10.8754% | 258 |
| Net charge-offs to loans | 0.1865% | 1,352 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 10.0195% | 2,724 |
| Efficiency ratio | 71.0786% | 2,385 |
| Assets per employee ($millions) | 3.6054% | 4,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1289% | 427 |
| Loan loss allowance to noncurrent loans | 70.7147% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 3.2145% | 235 |
| Noncurrent loans to loans | 3.0106% | 370 |
| Net loans and leases to total assets | 68.7198% | 2,721 |
| Net loans and leases to deposits | 80.3293% | 2,876 |
| Net loans and leases to core deposits | 81.0901% | 3,325 |
| Total domestic deposits to total assets | 85.5475% | 2,638 |
| Equity capital to assets | 11.9125% | 1,897 |
| Core capital (leverage) ratio | 11.5531% | 1,907 |
| Tier 1 risk-based capital ratio | 17.6511% | 1,900 |
| Total risk-based capital ratio | 18.9145% | 1,851 |
| Memoranda: | ||
| Average total assets | $171,688,800 | 3,228 |
| Average earning assets | $158,401,600 | 3,219 |
| Average equity | $18,905,000 | 3,253 |
| Average total loans | $109,924,400 | 3,184 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9050% | 3,666 |
| Cost of funding earning assets | 0.1962% | 5,008 |
| Net interest margin | 3.7088% | 2,725 |
| Noninterest income to average assets | 0.6309% | 2,309 |
| Noninterest expense to average assets | 2.9554% | 2,232 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0992% | 2,099 |
| Return on assets (ROA) | 1.0992% | 2,150 |
| Pretax return on assets | 1.0992% | 3,304 |
| Return on Equity (ROE) | 10.1873% | 2,042 |
| Retained earnings to average equity (ytd only) | 10.1873% | 543 |
| Net charge-offs to loans | 0.2353% | 912 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 7.4736% | 2,870 |
| Efficiency ratio | 72.8904% | 2,056 |
| Assets per employee ($millions) | 3.7201% | 4,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2333% | 384 |
| Loan loss allowance to noncurrent loans | 121.4490% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 2.1975% | 554 |
| Noncurrent loans to loans | 1.8389% | 960 |
| Net loans and leases to total assets | 62.4652% | 3,602 |
| Net loans and leases to deposits | 72.2762% | 3,739 |
| Net loans and leases to core deposits | 72.9188% | 4,071 |
| Total domestic deposits to total assets | 86.4257% | 2,123 |
| Equity capital to assets | 10.9529% | 2,906 |
| Core capital (leverage) ratio | 11.2878% | 2,192 |
| Tier 1 risk-based capital ratio | 17.8256% | 1,902 |
| Total risk-based capital ratio | 19.0906% | 1,847 |
| Memoranda: | ||
| Average total assets | $172,248,000 | 3,241 |
| Average earning assets | $159,006,000 | 3,236 |
| Average equity | $18,584,750 | 3,320 |
| Average total loans | $107,660,500 | 3,244 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8116% | 3,850 |
| Cost of funding earning assets | 0.2116% | 4,877 |
| Net interest margin | 3.6000% | 3,044 |
| Noninterest income to average assets | 0.6265% | 2,338 |
| Noninterest expense to average assets | 3.0163% | 2,068 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9298% | 2,763 |
| Return on assets (ROA) | 0.9298% | 2,821 |
| Pretax return on assets | 0.9298% | 3,831 |
| Return on Equity (ROE) | 8.6636% | 2,688 |
| Retained earnings to average equity (ytd only) | 8.6636% | 951 |
| Net charge-offs to loans | 0.3582% | 565 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 4.1852% | 2,969 |
| Efficiency ratio | 76.4373% | 1,651 |
| Assets per employee ($millions) | 3.6261% | 4,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3498% | 354 |
| Loan loss allowance to noncurrent loans | 106.2969% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 2.6246% | 389 |
| Noncurrent loans to loans | 2.2106% | 728 |
| Net loans and leases to total assets | 62.1552% | 3,617 |
| Net loans and leases to deposits | 71.9326% | 3,749 |
| Net loans and leases to core deposits | 72.6027% | 4,048 |
| Total domestic deposits to total assets | 86.4075% | 2,194 |
| Equity capital to assets | 10.9579% | 2,850 |
| Core capital (leverage) ratio | 11.0092% | 2,393 |
| Tier 1 risk-based capital ratio | 17.8063% | 1,918 |
| Total risk-based capital ratio | 19.0722% | 1,867 |
| Memoranda: | ||
| Average total assets | $170,142,330 | 3,277 |
| Average earning assets | $156,887,670 | 3,284 |
| Average equity | $18,260,330 | 3,366 |
| Average total loans | $105,517,670 | 3,290 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6790% | 4,174 |
| Cost of funding earning assets | 0.2400% | 4,636 |
| Net interest margin | 3.4390% | 3,490 |
| Noninterest income to average assets | 0.6094% | 2,375 |
| Noninterest expense to average assets | 2.9670% | 2,256 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8118% | 3,169 |
| Return on assets (ROA) | 0.8118% | 3,227 |
| Pretax return on assets | 0.8118% | 4,069 |
| Return on Equity (ROE) | 7.6442% | 3,096 |
| Retained earnings to average equity (ytd only) | 7.6442% | 1,593 |
| Net charge-offs to loans | -0.0192% | 4,726 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5181% | 1,564 |
| Assets per employee ($millions) | 3.6794% | 4,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5825% | 285 |
| Loan loss allowance to noncurrent loans | 66.9188% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 3.5545% | 237 |
| Noncurrent loans to loans | 3.8592% | 276 |
| Net loans and leases to total assets | 59.8332% | 3,803 |
| Net loans and leases to deposits | 70.7530% | 3,716 |
| Net loans and leases to core deposits | 71.4166% | 4,038 |
| Total domestic deposits to total assets | 84.5664% | 3,275 |
| Equity capital to assets | 10.5387% | 3,140 |
| Core capital (leverage) ratio | 10.6788% | 2,704 |
| Tier 1 risk-based capital ratio | 18.2251% | 1,797 |
| Total risk-based capital ratio | 19.4943% | 1,763 |
| Memoranda: | ||
| Average total assets | $170,001,000 | 3,313 |
| Average earning assets | $156,672,500 | 3,317 |
| Average equity | $18,053,000 | 3,404 |
| Average total loans | $104,038,000 | 3,339 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7204% | 4,154 |
| Cost of funding earning assets | 0.2622% | 4,443 |
| Net interest margin | 3.4581% | 3,597 |
| Noninterest income to average assets | 0.5900% | 2,713 |
| Noninterest expense to average assets | 3.0313% | 2,253 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7205% | 3,687 |
| Return on assets (ROA) | 0.7268% | 3,768 |
| Pretax return on assets | 0.7268% | 4,403 |
| Return on Equity (ROE) | 6.7341% | 3,627 |
| Retained earnings to average equity (ytd only) | 6.7341% | 1,344 |
| Net charge-offs to loans | 0.0537% | 2,966 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 21.7736% | 1,767 |
| Efficiency ratio | 80.7955% | 1,327 |
| Assets per employee ($millions) | 3.5546% | 4,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6880% | 253 |
| Loan loss allowance to noncurrent loans | 66.1672% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 3.7027% | 222 |
| Noncurrent loans to loans | 4.0624% | 251 |
| Net loans and leases to total assets | 59.3309% | 3,923 |
| Net loans and leases to deposits | 70.3809% | 3,869 |
| Net loans and leases to core deposits | 70.8128% | 4,172 |
| Total domestic deposits to total assets | 84.2998% | 3,320 |
| Equity capital to assets | 10.7028% | 2,921 |
| Core capital (leverage) ratio | 10.6889% | 2,671 |
| Tier 1 risk-based capital ratio | 18.6409% | 1,691 |
| Total risk-based capital ratio | 19.9122% | 1,655 |
| Memoranda: | ||
| Average total assets | $160,163,800 | 3,393 |
| Average earning assets | $146,437,200 | 3,412 |
| Average equity | $17,285,200 | 3,517 |
| Average total loans | $98,718,600 | 3,410 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7281% | 4,156 |
| Cost of funding earning assets | 0.2655% | 4,440 |
| Net interest margin | 3.4626% | 3,618 |
| Noninterest income to average assets | 0.5672% | 2,833 |
| Noninterest expense to average assets | 3.0177% | 2,271 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7103% | 3,788 |
| Return on assets (ROA) | 0.7103% | 3,927 |
| Pretax return on assets | 0.7103% | 4,582 |
| Return on Equity (ROE) | 6.5668% | 3,794 |
| Retained earnings to average equity (ytd only) | 6.5668% | 1,865 |
| Net charge-offs to loans | 0.0722% | 2,283 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 15.9257% | 2,147 |
| Efficiency ratio | 80.9481% | 1,308 |
| Assets per employee ($millions) | 3.5481% | 4,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7305% | 256 |
| Loan loss allowance to noncurrent loans | 59.2512% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 4.0861% | 199 |
| Noncurrent loans to loans | 4.6083% | 204 |
| Net loans and leases to total assets | 59.7615% | 3,907 |
| Net loans and leases to deposits | 71.1769% | 3,869 |
| Net loans and leases to core deposits | 71.6259% | 4,188 |
| Total domestic deposits to total assets | 83.9620% | 3,220 |
| Equity capital to assets | 10.7756% | 3,274 |
| Core capital (leverage) ratio | 10.8253% | 2,653 |
| Tier 1 risk-based capital ratio | 18.6546% | 1,747 |
| Total risk-based capital ratio | 19.9266% | 1,712 |
| Memoranda: | ||
| Average total assets | $158,437,750 | 3,425 |
| Average earning assets | $144,629,500 | 3,455 |
| Average equity | $17,136,250 | 3,565 |
| Average total loans | $97,933,000 | 3,430 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7128% | 4,253 |
| Cost of funding earning assets | 0.2688% | 4,454 |
| Net interest margin | 3.4440% | 3,712 |
| Noninterest income to average assets | 0.5356% | 2,979 |
| Noninterest expense to average assets | 3.0335% | 2,240 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6388% | 4,101 |
| Return on assets (ROA) | 0.6388% | 4,242 |
| Pretax return on assets | 0.6388% | 4,792 |
| Return on Equity (ROE) | 5.8990% | 4,094 |
| Retained earnings to average equity (ytd only) | 5.8990% | 2,182 |
| Net charge-offs to loans | 0.1153% | 1,678 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 8.9464% | 2,466 |
| Efficiency ratio | 82.6042% | 1,200 |
| Assets per employee ($millions) | 3.5189% | 4,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7677% | 258 |
| Loan loss allowance to noncurrent loans | 60.3753% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 4.3353% | 186 |
| Noncurrent loans to loans | 4.5842% | 216 |
| Net loans and leases to total assets | 60.6762% | 3,792 |
| Net loans and leases to deposits | 72.4322% | 3,747 |
| Net loans and leases to core deposits | 72.9043% | 4,094 |
| Total domestic deposits to total assets | 83.7697% | 3,361 |
| Equity capital to assets | 10.8890% | 3,177 |
| Core capital (leverage) ratio | 10.8698% | 2,566 |
| Tier 1 risk-based capital ratio | 18.4987% | 1,803 |
| Total risk-based capital ratio | 19.7713% | 1,759 |
| Memoranda: | ||
| Average total assets | $156,846,330 | 3,464 |
| Average earning assets | $142,858,670 | 3,499 |
| Average equity | $16,986,000 | 3,592 |
| Average total loans | $97,152,000 | 3,457 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6657% | 4,435 |
| Cost of funding earning assets | 0.2703% | 4,496 |
| Net interest margin | 3.3954% | 3,887 |
| Noninterest income to average assets | 0.6586% | 2,226 |
| Noninterest expense to average assets | 3.1058% | 2,084 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6432% | 4,010 |
| Return on assets (ROA) | 0.6432% | 4,128 |
| Pretax return on assets | 0.6432% | 4,693 |
| Return on Equity (ROE) | 5.9558% | 4,007 |
| Retained earnings to average equity (ytd only) | 5.9558% | 2,390 |
| Net charge-offs to loans | 0.1827% | 1,065 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.7045% | 2,302 |
| Efficiency ratio | 82.8435% | 1,273 |
| Assets per employee ($millions) | 3.4348% | 4,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8615% | 252 |
| Loan loss allowance to noncurrent loans | 58.1007% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 4.6440% | 184 |
| Noncurrent loans to loans | 4.9250% | 197 |
| Net loans and leases to total assets | 60.3322% | 3,726 |
| Net loans and leases to deposits | 72.1901% | 3,634 |
| Net loans and leases to core deposits | 72.6734% | 4,010 |
| Total domestic deposits to total assets | 83.5740% | 3,684 |
| Equity capital to assets | 10.9895% | 2,956 |
| Core capital (leverage) ratio | 10.9569% | 2,445 |
| Tier 1 risk-based capital ratio | 18.6427% | 1,812 |
| Total risk-based capital ratio | 19.9165% | 1,767 |
| Memoranda: | ||
| Average total assets | $156,093,500 | 3,491 |
| Average earning assets | $142,074,500 | 3,526 |
| Average equity | $16,857,500 | 3,615 |
| Average total loans | $96,319,500 | 3,488 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0867% | 2,969 |
| Cost of funding earning assets | 0.3056% | 4,189 |
| Net interest margin | 3.7811% | 2,440 |
| Noninterest income to average assets | 0.5366% | 3,097 |
| Noninterest expense to average assets | 3.6002% | 1,124 |
| Loan and lease loss provision to assets | -0.3865% | 6,100 |
| Net operating income to assets | 0.7498% | 3,573 |
| Return on assets (ROA) | 0.7498% | 3,667 |
| Pretax return on assets | 0.7498% | 4,366 |
| Return on Equity (ROE) | 7.1910% | 3,413 |
| Retained earnings to average equity (ytd only) | 7.1910% | 1,197 |
| Net charge-offs to loans | -0.5298% | 6,088 |
| Credit loss provision to net charge-offs | 112.9944% | 2,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8337% | 641 |
| Assets per employee ($millions) | 3.5823% | 4,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8881% | 255 |
| Loan loss allowance to noncurrent loans | 57.0174% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 4.7240% | 191 |
| Noncurrent loans to loans | 5.0652% | 184 |
| Net loans and leases to total assets | 59.5403% | 3,897 |
| Net loans and leases to deposits | 71.3028% | 3,787 |
| Net loans and leases to core deposits | 71.7712% | 4,156 |
| Total domestic deposits to total assets | 83.5035% | 3,673 |
| Equity capital to assets | 10.6134% | 3,230 |
| Core capital (leverage) ratio | 10.4329% | 3,016 |
| Tier 1 risk-based capital ratio | 18.2755% | 1,891 |
| Total risk-based capital ratio | 19.5492% | 1,842 |
| Memoranda: | ||
| Average total assets | $155,242,800 | 3,488 |
| Average earning assets | $140,698,600 | 3,530 |
| Average equity | $16,187,000 | 3,647 |
| Average total loans | $100,230,000 | 3,382 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1941% | 2,593 |
| Cost of funding earning assets | 0.3153% | 4,164 |
| Net interest margin | 3.8788% | 2,102 |
| Noninterest income to average assets | 0.4681% | 3,579 |
| Noninterest expense to average assets | 3.0253% | 2,446 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9535% | 2,698 |
| Return on assets (ROA) | 0.9535% | 2,789 |
| Pretax return on assets | 0.9535% | 3,803 |
| Return on Equity (ROE) | 9.1869% | 2,476 |
| Retained earnings to average equity (ytd only) | 9.1869% | 840 |
| Net charge-offs to loans | -0.7647% | 6,190 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0347% | 2,245 |
| Assets per employee ($millions) | 3.6211% | 4,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5317% | 140 |
| Loan loss allowance to noncurrent loans | 67.7032% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 5.1680% | 184 |
| Noncurrent loans to loans | 5.2165% | 189 |
| Net loans and leases to total assets | 58.9746% | 4,016 |
| Net loans and leases to deposits | 70.1264% | 3,971 |
| Net loans and leases to core deposits | 70.7377% | 4,301 |
| Total domestic deposits to total assets | 84.0976% | 3,385 |
| Equity capital to assets | 10.4715% | 3,630 |
| Core capital (leverage) ratio | 10.4247% | 3,137 |
| Tier 1 risk-based capital ratio | 18.1787% | 1,988 |
| Total risk-based capital ratio | 19.4611% | 1,941 |
| Memoranda: | ||
| Average total assets | $154,648,250 | 3,531 |
| Average earning assets | $139,971,500 | 3,573 |
| Average equity | $16,051,500 | 3,701 |
| Average total loans | $101,127,750 | 3,402 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0164% | 3,216 |
| Cost of funding earning assets | 0.3197% | 4,159 |
| Net interest margin | 3.6966% | 2,723 |
| Noninterest income to average assets | 0.4625% | 3,614 |
| Noninterest expense to average assets | 3.1002% | 2,241 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7002% | 3,893 |
| Return on assets (ROA) | 0.7002% | 4,010 |
| Pretax return on assets | 0.7002% | 4,649 |
| Return on Equity (ROE) | 6.7674% | 3,750 |
| Retained earnings to average equity (ytd only) | 6.7674% | 1,805 |
| Net charge-offs to loans | -0.0899% | 5,746 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5744% | 1,545 |
| Assets per employee ($millions) | 3.5760% | 4,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8441% | 319 |
| Loan loss allowance to noncurrent loans | 55.6492% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 5.3182% | 194 |
| Noncurrent loans to loans | 5.1107% | 215 |
| Net loans and leases to total assets | 63.0909% | 3,401 |
| Net loans and leases to deposits | 74.8469% | 3,398 |
| Net loans and leases to core deposits | 76.8304% | 3,685 |
| Total domestic deposits to total assets | 84.2932% | 3,450 |
| Equity capital to assets | 10.2392% | 3,766 |
| Core capital (leverage) ratio | 10.3399% | 3,164 |
| Tier 1 risk-based capital ratio | 16.6970% | 2,525 |
| Total risk-based capital ratio | 17.9690% | 2,470 |
| Memoranda: | ||
| Average total assets | $153,088,330 | 3,578 |
| Average earning assets | $138,234,670 | 3,629 |
| Average equity | $15,840,670 | 3,748 |
| Average total loans | $102,369,330 | 3,394 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9962% | 3,241 |
| Cost of funding earning assets | 0.3242% | 4,173 |
| Net interest margin | 3.6720% | 2,727 |
| Noninterest income to average assets | 0.5697% | 2,834 |
| Noninterest expense to average assets | 3.1134% | 2,229 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7578% | 3,498 |
| Return on assets (ROA) | 0.7578% | 3,633 |
| Pretax return on assets | 0.7578% | 4,395 |
| Return on Equity (ROE) | 7.2841% | 3,344 |
| Retained earnings to average equity (ytd only) | 7.2841% | 1,868 |
| Net charge-offs to loans | 0.0468% | 2,323 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 23.8333% | 1,314 |
| Efficiency ratio | 80.4244% | 1,843 |
| Assets per employee ($millions) | 3.2762% | 5,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7834% | 372 |
| Loan loss allowance to noncurrent loans | 53.8680% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 5.7816% | 186 |
| Noncurrent loans to loans | 5.1671% | 248 |
| Net loans and leases to total assets | 66.0053% | 2,764 |
| Net loans and leases to deposits | 78.6738% | 2,718 |
| Net loans and leases to core deposits | 80.8637% | 3,068 |
| Total domestic deposits to total assets | 83.8975% | 3,853 |
| Equity capital to assets | 10.5180% | 3,512 |
| Core capital (leverage) ratio | 10.5368% | 2,913 |
| Tier 1 risk-based capital ratio | 16.2710% | 2,789 |
| Total risk-based capital ratio | 17.5417% | 2,724 |
| Memoranda: | ||
| Average total assets | $150,959,500 | 3,635 |
| Average earning assets | $135,730,500 | 3,691 |
| Average equity | $15,705,500 | 3,798 |
| Average total loans | $102,465,500 | 3,407 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1527% | 3,111 |
| Cost of funding earning assets | 0.3974% | 3,718 |
| Net interest margin | 3.7553% | 2,795 |
| Noninterest income to average assets | 0.2654% | 5,233 |
| Noninterest expense to average assets | 3.1777% | 2,267 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4644% | 4,949 |
| Return on assets (ROA) | 0.4783% | 4,990 |
| Pretax return on assets | 0.4783% | 5,304 |
| Return on Equity (ROE) | 4.9519% | 4,685 |
| Retained earnings to average equity (ytd only) | 4.9519% | 2,630 |
| Net charge-offs to loans | 0.1900% | 2,147 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 3.6468% | 3,838 |
| Efficiency ratio | 87.2500% | 1,051 |
| Assets per employee ($millions) | 3.2873% | 5,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7872% | 383 |
| Loan loss allowance to noncurrent loans | 48.3353% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 6.6150% | 166 |
| Noncurrent loans to loans | 5.7664% | 209 |
| Net loans and leases to total assets | 65.9659% | 2,888 |
| Net loans and leases to deposits | 78.3411% | 2,933 |
| Net loans and leases to core deposits | 80.5060% | 3,237 |
| Total domestic deposits to total assets | 84.2034% | 3,626 |
| Equity capital to assets | 10.2899% | 3,740 |
| Core capital (leverage) ratio | 10.2320% | 3,271 |
| Tier 1 risk-based capital ratio | 17.1918% | 2,433 |
| Total risk-based capital ratio | 18.4650% | 2,376 |
| Memoranda: | ||
| Average total assets | $157,851,200 | 3,524 |
| Average earning assets | $141,932,400 | 3,571 |
| Average equity | $15,246,800 | 3,788 |
| Average total loans | $105,773,600 | 3,308 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1400% | 3,209 |
| Cost of funding earning assets | 0.4133% | 3,647 |
| Net interest margin | 3.7267% | 2,917 |
| Noninterest income to average assets | 0.2382% | 5,500 |
| Noninterest expense to average assets | 3.1395% | 2,350 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4530% | 5,064 |
| Return on assets (ROA) | 0.4714% | 5,068 |
| Pretax return on assets | 0.4714% | 5,403 |
| Return on Equity (ROE) | 4.9575% | 4,736 |
| Retained earnings to average equity (ytd only) | 4.9575% | 3,105 |
| Net charge-offs to loans | 0.6043% | 611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.1222% | 4,223 |
| Efficiency ratio | 87.3895% | 1,060 |
| Assets per employee ($millions) | 3.3503% | 5,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5151% | 637 |
| Loan loss allowance to noncurrent loans | 45.9946% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 6.7393% | 182 |
| Noncurrent loans to loans | 5.4682% | 295 |
| Net loans and leases to total assets | 64.8379% | 3,053 |
| Net loans and leases to deposits | 76.7812% | 3,099 |
| Net loans and leases to core deposits | 79.0730% | 3,430 |
| Total domestic deposits to total assets | 84.4451% | 3,568 |
| Equity capital to assets | 9.9661% | 4,204 |
| Core capital (leverage) ratio | 9.7934% | 3,947 |
| Tier 1 risk-based capital ratio | 16.7232% | 2,715 |
| Total risk-based capital ratio | 17.9922% | 2,661 |
| Memoranda: | ||
| Average total assets | $159,510,000 | 3,523 |
| Average earning assets | $143,572,000 | 3,582 |
| Average equity | $15,168,500 | 3,825 |
| Average total loans | $106,564,250 | 3,315 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1384% | 3,192 |
| Cost of funding earning assets | 0.4155% | 3,701 |
| Net interest margin | 3.7229% | 2,866 |
| Noninterest income to average assets | 0.3137% | 4,905 |
| Noninterest expense to average assets | 3.0761% | 2,579 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5927% | 4,390 |
| Return on assets (ROA) | 0.6199% | 4,349 |
| Pretax return on assets | 0.6199% | 4,895 |
| Return on Equity (ROE) | 6.6203% | 3,821 |
| Retained earnings to average equity (ytd only) | 6.6203% | 1,966 |
| Net charge-offs to loans | 0.5208% | 779 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.7011% | 3,736 |
| Efficiency ratio | 83.8459% | 1,536 |
| Assets per employee ($millions) | 3.4507% | 4,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6757% | 549 |
| Loan loss allowance to noncurrent loans | 45.7839% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 7.0496% | 181 |
| Noncurrent loans to loans | 5.8442% | 280 |
| Net loans and leases to total assets | 63.7036% | 3,122 |
| Net loans and leases to deposits | 76.6382% | 2,975 |
| Net loans and leases to core deposits | 79.0478% | 3,316 |
| Total domestic deposits to total assets | 83.1225% | 4,258 |
| Equity capital to assets | 9.6269% | 4,589 |
| Core capital (leverage) ratio | 9.6220% | 4,145 |
| Tier 1 risk-based capital ratio | 16.3254% | 2,920 |
| Total risk-based capital ratio | 17.5970% | 2,859 |
| Memoranda: | ||
| Average total assets | $161,309,330 | 3,518 |
| Average earning assets | $145,371,330 | 3,578 |
| Average equity | $15,105,000 | 3,836 |
| Average total loans | $107,918,670 | 3,286 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1900% | 2,915 |
| Cost of funding earning assets | 0.4149% | 3,818 |
| Net interest margin | 3.7751% | 2,574 |
| Noninterest income to average assets | 0.7282% | 2,042 |
| Noninterest expense to average assets | 3.1021% | 2,524 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0283% | 2,089 |
| Return on assets (ROA) | 1.0824% | 1,952 |
| Pretax return on assets | 1.0824% | 2,988 |
| Return on Equity (ROE) | 11.7201% | 1,486 |
| Retained earnings to average equity (ytd only) | 11.7201% | 645 |
| Net charge-offs to loans | 0.7168% | 491 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.1218% | 2,948 |
| Efficiency ratio | 75.1042% | 2,952 |
| Assets per employee ($millions) | 3.3942% | 5,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6308% | 689 |
| Loan loss allowance to noncurrent loans | 53.0076% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 6.3742% | 258 |
| Noncurrent loans to loans | 4.9630% | 454 |
| Net loans and leases to total assets | 65.0624% | 2,720 |
| Net loans and leases to deposits | 77.7584% | 2,593 |
| Net loans and leases to core deposits | 80.1217% | 2,949 |
| Total domestic deposits to total assets | 83.6726% | 4,392 |
| Equity capital to assets | 9.3511% | 4,698 |
| Core capital (leverage) ratio | 9.5179% | 4,251 |
| Tier 1 risk-based capital ratio | 15.7327% | 3,314 |
| Total risk-based capital ratio | 17.0041% | 3,265 |
| Memoranda: | ||
| Average total assets | $162,598,000 | 3,520 |
| Average earning assets | $146,540,000 | 3,578 |
| Average equity | $15,017,000 | 3,860 |
| Average total loans | $109,929,000 | 3,264 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2454% | 3,167 |
| Cost of funding earning assets | 0.6188% | 2,492 |
| Net interest margin | 3.6266% | 3,349 |
| Noninterest income to average assets | 0.3162% | 5,075 |
| Noninterest expense to average assets | 2.9456% | 3,215 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7726% | 3,434 |
| Return on assets (ROA) | 0.7726% | 3,527 |
| Pretax return on assets | 0.6319% | 4,764 |
| Return on Equity (ROE) | 9.7013% | 2,234 |
| Retained earnings to average equity (ytd only) | 9.7013% | 620 |
| Net charge-offs to loans | 1.6751% | 262 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.5768% | 4,891 |
| Efficiency ratio | 82.3372% | 1,832 |
| Assets per employee ($millions) | 3.3117% | 5,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7578% | 636 |
| Loan loss allowance to noncurrent loans | 52.7486% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 6.6221% | 269 |
| Noncurrent loans to loans | 5.2283% | 456 |
| Net loans and leases to total assets | 66.5122% | 2,611 |
| Net loans and leases to deposits | 79.3320% | 2,549 |
| Net loans and leases to core deposits | 82.1275% | 2,883 |
| Total domestic deposits to total assets | 83.8403% | 4,226 |
| Equity capital to assets | 9.1198% | 4,902 |
| Core capital (leverage) ratio | 8.9484% | 5,082 |
| Tier 1 risk-based capital ratio | 14.9236% | 3,717 |
| Total risk-based capital ratio | 16.1965% | 3,648 |
| Memoranda: | ||
| Average total assets | $177,723,000 | 3,296 |
| Average earning assets | $159,819,200 | 3,350 |
| Average equity | $14,152,800 | 4,036 |
| Average total loans | $116,232,400 | 3,124 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2224% | 3,306 |
| Cost of funding earning assets | 0.6735% | 2,151 |
| Net interest margin | 3.5489% | 3,661 |
| Noninterest income to average assets | 0.3715% | 4,735 |
| Noninterest expense to average assets | 2.8988% | 3,316 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6645% | 4,046 |
| Return on assets (ROA) | 0.6645% | 4,183 |
| Pretax return on assets | 0.6645% | 4,808 |
| Return on Equity (ROE) | 8.6242% | 2,822 |
| Retained earnings to average equity (ytd only) | 8.6242% | 1,186 |
| Net charge-offs to loans | 1.5767% | 276 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.6511% | 4,634 |
| Efficiency ratio | 81.3517% | 1,924 |
| Assets per employee ($millions) | 3.4850% | 4,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1952% | 456 |
| Loan loss allowance to noncurrent loans | 67.5378% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 6.4615% | 335 |
| Noncurrent loans to loans | 4.7310% | 662 |
| Net loans and leases to total assets | 64.1898% | 2,972 |
| Net loans and leases to deposits | 75.8982% | 2,979 |
| Net loans and leases to core deposits | 78.4126% | 3,309 |
| Total domestic deposits to total assets | 84.5734% | 3,943 |
| Equity capital to assets | 8.4022% | 5,832 |
| Core capital (leverage) ratio | 8.0707% | 6,178 |
| Tier 1 risk-based capital ratio | 14.0912% | 4,364 |
| Total risk-based capital ratio | 15.3694% | 4,289 |
| Memoranda: | ||
| Average total assets | $181,585,250 | 3,284 |
| Average earning assets | $163,314,500 | 3,329 |
| Average equity | $13,991,250 | 4,115 |
| Average total loans | $117,542,250 | 3,110 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2328% | 3,227 |
| Cost of funding earning assets | 0.7103% | 2,003 |
| Net interest margin | 3.5225% | 3,691 |
| Noninterest income to average assets | 0.5292% | 3,637 |
| Noninterest expense to average assets | 2.8662% | 3,451 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8229% | 3,178 |
| Return on assets (ROA) | 0.8229% | 3,341 |
| Pretax return on assets | 0.8229% | 4,233 |
| Return on Equity (ROE) | 10.9859% | 1,812 |
| Retained earnings to average equity (ytd only) | 10.9859% | 646 |
| Net charge-offs to loans | 1.9835% | 229 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.6458% | 4,308 |
| Efficiency ratio | 77.6932% | 2,511 |
| Assets per employee ($millions) | 3.7440% | 4,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3408% | 420 |
| Loan loss allowance to noncurrent loans | 57.4516% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 6.5656% | 375 |
| Noncurrent loans to loans | 5.8149% | 511 |
| Net loans and leases to total assets | 60.3728% | 3,594 |
| Net loans and leases to deposits | 70.4664% | 3,661 |
| Net loans and leases to core deposits | 74.4370% | 3,741 |
| Total domestic deposits to total assets | 85.6761% | 3,542 |
| Equity capital to assets | 7.7539% | 6,337 |
| Core capital (leverage) ratio | 7.7713% | 6,324 |
| Tier 1 risk-based capital ratio | 13.8386% | 4,535 |
| Total risk-based capital ratio | 15.1192% | 4,483 |
| Memoranda: | ||
| Average total assets | $185,192,330 | 3,265 |
| Average earning assets | $166,132,000 | 3,312 |
| Average equity | $13,872,330 | 4,172 |
| Average total loans | $118,979,330 | 3,094 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3446% | 2,715 |
| Cost of funding earning assets | 0.7519% | 1,835 |
| Net interest margin | 3.5927% | 3,290 |
| Noninterest income to average assets | 0.3698% | 4,707 |
| Noninterest expense to average assets | 2.8507% | 3,537 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7137% | 3,626 |
| Return on assets (ROA) | 0.7137% | 3,764 |
| Pretax return on assets | 0.7137% | 4,514 |
| Return on Equity (ROE) | 9.6963% | 2,195 |
| Retained earnings to average equity (ytd only) | 9.6963% | 1,190 |
| Net charge-offs to loans | 3.7004% | 77 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.2962% | 3,712 |
| Efficiency ratio | 79.9759% | 2,335 |
| Assets per employee ($millions) | 3.8216% | 4,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3250% | 485 |
| Loan loss allowance to noncurrent loans | 65.9932% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 8.4028% | 287 |
| Noncurrent loans to loans | 5.0384% | 753 |
| Net loans and leases to total assets | 61.6096% | 3,144 |
| Net loans and leases to deposits | 71.6030% | 3,235 |
| Net loans and leases to core deposits | 75.8736% | 3,339 |
| Total domestic deposits to total assets | 86.0433% | 3,506 |
| Equity capital to assets | 7.5556% | 6,575 |
| Core capital (leverage) ratio | 7.4886% | 6,475 |
| Tier 1 risk-based capital ratio | 12.6758% | 5,445 |
| Total risk-based capital ratio | 13.9550% | 5,375 |
| Memoranda: | ||
| Average total assets | $186,061,000 | 3,284 |
| Average earning assets | $165,447,000 | 3,357 |
| Average equity | $13,696,000 | 4,247 |
| Average total loans | $121,176,500 | 3,063 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5566% | 3,184 |
| Cost of funding earning assets | 1.0038% | 1,338 |
| Net interest margin | 3.5528% | 4,289 |
| Noninterest income to average assets | -0.4243% | 7,023 |
| Noninterest expense to average assets | 2.8355% | 3,892 |
| Loan and lease loss provision to assets | 0.2365% | 2,772 |
| Net operating income to assets | -0.3184% | 6,458 |
| Return on assets (ROA) | -0.3184% | 6,507 |
| Pretax return on assets | -0.3184% | 6,488 |
| Return on Equity (ROE) | -5.1445% | 6,599 |
| Retained earnings to average equity (ytd only) | -5.1445% | 6,435 |
| Net charge-offs to loans | 1.9317% | 388 |
| Credit loss provision to net charge-offs | 19.2530% | 5,300 |
| Earnings coverage of net charge-offs (x) | -0.0666% | 5,518 |
| Efficiency ratio | 102.9720% | 463 |
| Assets per employee ($millions) | 4.0145% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9920% | 287 |
| Loan loss allowance to noncurrent loans | 78.3112% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 8.4252% | 315 |
| Noncurrent loans to loans | 5.0976% | 773 |
| Net loans and leases to total assets | 63.8330% | 2,924 |
| Net loans and leases to deposits | 73.6815% | 3,149 |
| Net loans and leases to core deposits | 77.8975% | 3,276 |
| Total domestic deposits to total assets | 86.6337% | 3,031 |
| Equity capital to assets | 7.1718% | 6,729 |
| Core capital (leverage) ratio | 6.8663% | 6,738 |
| Tier 1 risk-based capital ratio | 11.7207% | 5,944 |
| Total risk-based capital ratio | 13.0091% | 5,895 |
| Memoranda: | ||
| Average total assets | $211,390,200 | 2,909 |
| Average earning assets | $189,090,400 | 2,972 |
| Average equity | $13,082,000 | 4,342 |
| Average total loans | $134,441,000 | 2,802 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5381% | 3,477 |
| Cost of funding earning assets | 1.0322% | 1,380 |
| Net interest margin | 3.5060% | 4,619 |
| Noninterest income to average assets | -0.4496% | 7,123 |
| Noninterest expense to average assets | 2.6670% | 4,511 |
| Loan and lease loss provision to assets | 0.3071% | 2,152 |
| Net operating income to assets | -0.2838% | 6,560 |
| Return on assets (ROA) | -0.2838% | 6,620 |
| Pretax return on assets | -0.2838% | 6,593 |
| Return on Equity (ROE) | -4.7495% | 6,707 |
| Retained earnings to average equity (ytd only) | -4.7495% | 6,599 |
| Net charge-offs to loans | 1.9450% | 384 |
| Credit loss provision to net charge-offs | 25.0752% | 4,880 |
| Earnings coverage of net charge-offs (x) | 0.0191% | 5,324 |
| Efficiency ratio | 99.1324% | 564 |
| Assets per employee ($millions) | 4.2088% | 3,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3937% | 233 |
| Loan loss allowance to noncurrent loans | 110.7361% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 7.3957% | 460 |
| Noncurrent loans to loans | 3.9677% | 1,303 |
| Net loans and leases to total assets | 60.4357% | 3,685 |
| Net loans and leases to deposits | 71.7980% | 3,642 |
| Net loans and leases to core deposits | 75.7355% | 3,759 |
| Total domestic deposits to total assets | 84.1746% | 4,137 |
| Equity capital to assets | 6.5720% | 6,933 |
| Core capital (leverage) ratio | 6.3892% | 6,905 |
| Tier 1 risk-based capital ratio | 11.2475% | 6,382 |
| Total risk-based capital ratio | 12.5417% | 6,324 |
| Memoranda: | ||
| Average total assets | $217,067,000 | 2,892 |
| Average earning assets | $194,406,750 | 2,934 |
| Average equity | $12,969,500 | 4,402 |
| Average total loans | $136,688,750 | 2,797 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5642% | 3,508 |
| Cost of funding earning assets | 1.0700% | 1,357 |
| Net interest margin | 3.4943% | 4,691 |
| Noninterest income to average assets | 0.2711% | 5,638 |
| Noninterest expense to average assets | 2.6783% | 4,503 |
| Loan and lease loss provision to assets | 0.4503% | 1,426 |
| Net operating income to assets | 0.2747% | 5,693 |
| Return on assets (ROA) | 0.2747% | 5,886 |
| Pretax return on assets | 0.2747% | 6,006 |
| Return on Equity (ROE) | 4.7408% | 4,940 |
| Retained earnings to average equity (ytd only) | 4.7408% | 3,454 |
| Net charge-offs to loans | 0.3594% | 2,576 |
| Credit loss provision to net charge-offs | 199.2032% | 1,435 |
| Earnings coverage of net charge-offs (x) | 3.2072% | 3,458 |
| Efficiency ratio | 78.6981% | 2,368 |
| Assets per employee ($millions) | 4.3580% | 3,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4558% | 110 |
| Loan loss allowance to noncurrent loans | 97.7016% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 8.4278% | 394 |
| Noncurrent loans to loans | 5.5841% | 833 |
| Net loans and leases to total assets | 59.6784% | 3,882 |
| Net loans and leases to deposits | 70.4464% | 3,830 |
| Net loans and leases to core deposits | 74.0640% | 4,025 |
| Total domestic deposits to total assets | 84.7146% | 3,995 |
| Equity capital to assets | 6.5626% | 6,972 |
| Core capital (leverage) ratio | 6.4622% | 6,940 |
| Tier 1 risk-based capital ratio | 11.1591% | 6,425 |
| Total risk-based capital ratio | 12.4668% | 6,371 |
| Memoranda: | ||
| Average total assets | $222,081,670 | 2,844 |
| Average earning assets | $199,069,670 | 2,881 |
| Average equity | $12,867,000 | 4,420 |
| Average total loans | $139,683,330 | 2,769 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6464% | 3,283 |
| Cost of funding earning assets | 1.1188% | 1,304 |
| Net interest margin | 3.5277% | 4,572 |
| Noninterest income to average assets | 0.3605% | 4,997 |
| Noninterest expense to average assets | 2.6154% | 4,762 |
| Loan and lease loss provision to assets | 0.5302% | 1,129 |
| Net operating income to assets | 0.3799% | 5,349 |
| Return on assets (ROA) | 0.3799% | 5,534 |
| Pretax return on assets | 0.3799% | 5,785 |
| Return on Equity (ROE) | 6.9956% | 3,786 |
| Retained earnings to average equity (ytd only) | 6.9956% | 2,441 |
| Net charge-offs to loans | 0.3602% | 2,224 |
| Credit loss provision to net charge-offs | 234.3750% | 1,205 |
| Earnings coverage of net charge-offs (x) | 4.0234% | 2,691 |
| Efficiency ratio | 74.1855% | 3,073 |
| Assets per employee ($millions) | 4.4468% | 3,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1821% | 150 |
| Loan loss allowance to noncurrent loans | 101.0133% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 8.4246% | 440 |
| Noncurrent loans to loans | 5.1301% | 1,079 |
| Net loans and leases to total assets | 59.8854% | 3,692 |
| Net loans and leases to deposits | 70.0794% | 3,727 |
| Net loans and leases to core deposits | 73.3820% | 3,973 |
| Total domestic deposits to total assets | 85.4537% | 3,817 |
| Equity capital to assets | 5.5888% | 7,100 |
| Core capital (leverage) ratio | 5.4727% | 7,082 |
| Tier 1 risk-based capital ratio | 9.3718% | 6,982 |
| Total risk-based capital ratio | 10.6753% | 6,971 |
| Memoranda: | ||
| Average total assets | $226,351,000 | 2,813 |
| Average earning assets | $203,081,000 | 2,860 |
| Average equity | $12,293,500 | 4,556 |
| Average total loans | $142,128,500 | 2,752 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6883% | 4,293 |
| Cost of funding earning assets | 1.4209% | 950 |
| Net interest margin | 3.2674% | 5,911 |
| Noninterest income to average assets | -0.6540% | 7,285 |
| Noninterest expense to average assets | 2.3434% | 5,928 |
| Loan and lease loss provision to assets | 3.4648% | 83 |
| Net operating income to assets | -4.3798% | 7,276 |
| Return on assets (ROA) | -4.3483% | 7,278 |
| Pretax return on assets | -3.4475% | 7,227 |
| Return on Equity (ROE) | -53.6304% | 7,214 |
| Retained earnings to average equity (ytd only) | -53.6304% | 7,213 |
| Net charge-offs to loans | 3.0510% | 310 |
| Credit loss provision to net charge-offs | 172.7523% | 1,533 |
| Earnings coverage of net charge-offs (x) | -0.0071% | 5,831 |
| Efficiency ratio | 100.6085% | 649 |
| Assets per employee ($millions) | 4.6073% | 2,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9398% | 183 |
| Loan loss allowance to noncurrent loans | 87.8353% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 8.1584% | 489 |
| Noncurrent loans to loans | 5.6239% | 930 |
| Net loans and leases to total assets | 59.3526% | 4,122 |
| Net loans and leases to deposits | 68.9541% | 4,282 |
| Net loans and leases to core deposits | 72.1770% | 4,500 |
| Total domestic deposits to total assets | 86.0755% | 3,275 |
| Equity capital to assets | 5.2790% | 7,152 |
| Core capital (leverage) ratio | 5.0234% | 7,145 |
| Tier 1 risk-based capital ratio | 8.9254% | 7,044 |
| Total risk-based capital ratio | 10.2249% | 7,040 |
| Memoranda: | ||
| Average total assets | $253,984,600 | 2,481 |
| Average earning assets | $231,894,800 | 2,493 |
| Average equity | $20,592,800 | 3,054 |
| Average total loans | $166,962,400 | 2,400 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6168% | 4,800 |
| Cost of funding earning assets | 1.4708% | 951 |
| Net interest margin | 3.1460% | 6,298 |
| Noninterest income to average assets | 0.3052% | 5,416 |
| Noninterest expense to average assets | 2.9094% | 3,889 |
| Loan and lease loss provision to assets | 1.2313% | 625 |
| Net operating income to assets | -0.9537% | 6,868 |
| Return on assets (ROA) | -0.9163% | 6,887 |
| Pretax return on assets | -0.9163% | 6,840 |
| Return on Equity (ROE) | -10.4898% | 6,906 |
| Retained earnings to average equity (ytd only) | -10.4898% | 6,872 |
| Net charge-offs to loans | 1.2403% | 1,251 |
| Credit loss provision to net charge-offs | 149.3466% | 2,103 |
| Earnings coverage of net charge-offs (x) | 0.3367% | 5,357 |
| Efficiency ratio | 91.2910% | 1,084 |
| Assets per employee ($millions) | 4.7610% | 2,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6090% | 1,254 |
| Loan loss allowance to noncurrent loans | 29.4052% | 6,285 |
| Noncurrent assets plus other real estate owned to assets | 9.9061% | 366 |
| Noncurrent loans to loans | 8.8726% | 452 |
| Net loans and leases to total assets | 63.2062% | 3,474 |
| Net loans and leases to deposits | 76.1518% | 3,305 |
| Net loans and leases to core deposits | 79.9205% | 3,649 |
| Total domestic deposits to total assets | 83.0002% | 4,684 |
| Equity capital to assets | 8.6592% | 6,133 |
| Core capital (leverage) ratio | 7.4971% | 6,766 |
| Tier 1 risk-based capital ratio | 12.1641% | 5,767 |
| Total risk-based capital ratio | 13.4318% | 5,744 |
| Memoranda: | ||
| Average total assets | $259,889,750 | 2,435 |
| Average earning assets | $238,052,500 | 2,427 |
| Average equity | $22,700,750 | 2,814 |
| Average total loans | $172,745,000 | 2,358 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5872% | 5,021 |
| Cost of funding earning assets | 1.5121% | 967 |
| Net interest margin | 3.0751% | 6,459 |
| Noninterest income to average assets | 0.3152% | 5,372 |
| Noninterest expense to average assets | 2.4675% | 5,649 |
| Loan and lease loss provision to assets | 0.9849% | 885 |
| Net operating income to assets | -0.3038% | 6,559 |
| Return on assets (ROA) | -0.2485% | 6,550 |
| Pretax return on assets | -0.2485% | 6,496 |
| Return on Equity (ROE) | -2.8372% | 6,581 |
| Retained earnings to average equity (ytd only) | -2.8372% | 6,359 |
| Net charge-offs to loans | 1.1993% | 1,304 |
| Credit loss provision to net charge-offs | 122.6415% | 2,483 |
| Earnings coverage of net charge-offs (x) | 0.8481% | 4,666 |
| Efficiency ratio | 78.3686% | 2,649 |
| Assets per employee ($millions) | 5.0508% | 2,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1429% | 2,022 |
| Loan loss allowance to noncurrent loans | 20.9186% | 6,692 |
| Noncurrent assets plus other real estate owned to assets | 9.7286% | 412 |
| Noncurrent loans to loans | 10.2441% | 371 |
| Net loans and leases to total assets | 63.2713% | 3,624 |
| Net loans and leases to deposits | 75.8205% | 3,513 |
| Net loans and leases to core deposits | 80.9465% | 3,663 |
| Total domestic deposits to total assets | 83.4488% | 4,563 |
| Equity capital to assets | 8.7161% | 5,920 |
| Core capital (leverage) ratio | 7.9193% | 6,392 |
| Tier 1 risk-based capital ratio | 12.7389% | 5,146 |
| Total risk-based capital ratio | 14.0014% | 5,104 |
| Memoranda: | ||
| Average total assets | $263,995,000 | 2,413 |
| Average earning assets | $243,242,330 | 2,388 |
| Average equity | $23,121,670 | 2,748 |
| Average total loans | $176,768,670 | 2,323 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5582% | 5,135 |
| Cost of funding earning assets | 1.5417% | 1,013 |
| Net interest margin | 3.0165% | 6,545 |
| Noninterest income to average assets | 0.3476% | 5,129 |
| Noninterest expense to average assets | 2.4695% | 5,672 |
| Loan and lease loss provision to assets | 0.4534% | 1,943 |
| Net operating income to assets | 0.1670% | 5,895 |
| Return on assets (ROA) | 0.2509% | 5,680 |
| Pretax return on assets | 0.3295% | 5,566 |
| Return on Equity (ROE) | 2.8576% | 5,443 |
| Retained earnings to average equity (ytd only) | 2.8576% | 4,452 |
| Net charge-offs to loans | 0.2841% | 2,927 |
| Credit loss provision to net charge-offs | 234.3750% | 1,312 |
| Earnings coverage of net charge-offs (x) | 3.4766% | 2,729 |
| Efficiency ratio | 78.5955% | 2,751 |
| Assets per employee ($millions) | 5.0000% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0230% | 2,347 |
| Loan loss allowance to noncurrent loans | 15.9962% | 6,894 |
| Noncurrent assets plus other real estate owned to assets | 10.2026% | 398 |
| Noncurrent loans to loans | 12.6466% | 245 |
| Net loans and leases to total assets | 65.2640% | 3,184 |
| Net loans and leases to deposits | 78.1297% | 3,039 |
| Net loans and leases to core deposits | 83.7195% | 3,203 |
| Total domestic deposits to total assets | 83.5330% | 4,685 |
| Equity capital to assets | 8.8169% | 5,467 |
| Core capital (leverage) ratio | 8.2267% | 5,943 |
| Tier 1 risk-based capital ratio | 12.9790% | 4,841 |
| Total risk-based capital ratio | 14.2403% | 4,820 |
| Memoranda: | ||
| Average total assets | $264,673,000 | 2,429 |
| Average earning assets | $245,184,500 | 2,397 |
| Average equity | $23,236,500 | 2,722 |
| Average total loans | $180,246,000 | 2,305 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9830% | 4,637 |
| Cost of funding earning assets | 1.9006% | 840 |
| Net interest margin | 3.0824% | 6,564 |
| Noninterest income to average assets | 0.3588% | 5,240 |
| Noninterest expense to average assets | 2.6946% | 5,015 |
| Loan and lease loss provision to assets | 0.8960% | 1,823 |
| Net operating income to assets | -0.1788% | 6,086 |
| Return on assets (ROA) | -0.1788% | 6,147 |
| Pretax return on assets | -0.3767% | 6,226 |
| Return on Equity (ROE) | -2.0304% | 6,176 |
| Retained earnings to average equity (ytd only) | -2.0304% | 5,973 |
| Net charge-offs to loans | 0.7910% | 2,664 |
| Credit loss provision to net charge-offs | 152.6450% | 2,343 |
| Earnings coverage of net charge-offs (x) | 0.8846% | 5,238 |
| Efficiency ratio | 83.8436% | 1,938 |
| Assets per employee ($millions) | 4.8953% | 2,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8476% | 2,696 |
| Loan loss allowance to noncurrent loans | 15.1802% | 6,982 |
| Noncurrent assets plus other real estate owned to assets | 9.6817% | 435 |
| Noncurrent loans to loans | 12.1710% | 281 |
| Net loans and leases to total assets | 68.3091% | 2,907 |
| Net loans and leases to deposits | 81.7911% | 2,852 |
| Net loans and leases to core deposits | 87.4330% | 3,128 |
| Total domestic deposits to total assets | 83.5166% | 4,597 |
| Equity capital to assets | 8.7416% | 5,522 |
| Core capital (leverage) ratio | 8.7147% | 4,992 |
| Tier 1 risk-based capital ratio | 13.4408% | 4,261 |
| Total risk-based capital ratio | 14.7000% | 4,223 |
| Memoranda: | ||
| Average total assets | $267,311,800 | 2,386 |
| Average earning assets | $247,601,600 | 2,359 |
| Average equity | $23,542,600 | 2,699 |
| Average total loans | $198,352,600 | 2,169 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0779% | 4,438 |
| Cost of funding earning assets | 1.9703% | 826 |
| Net interest margin | 3.1076% | 6,597 |
| Noninterest income to average assets | 0.3442% | 5,416 |
| Noninterest expense to average assets | 2.4661% | 5,833 |
| Loan and lease loss provision to assets | 0.6988% | 2,195 |
| Net operating income to assets | 0.1040% | 5,768 |
| Return on assets (ROA) | 0.1040% | 5,912 |
| Pretax return on assets | 0.0552% | 5,993 |
| Return on Equity (ROE) | 1.1782% | 5,852 |
| Retained earnings to average equity (ytd only) | 1.1782% | 5,344 |
| Net charge-offs to loans | 0.4126% | 3,644 |
| Credit loss provision to net charge-offs | 224.8000% | 1,538 |
| Earnings coverage of net charge-offs (x) | 2.4256% | 3,963 |
| Efficiency ratio | 76.5833% | 2,838 |
| Assets per employee ($millions) | 5.0272% | 2,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7385% | 3,029 |
| Loan loss allowance to noncurrent loans | 16.2381% | 7,040 |
| Noncurrent assets plus other real estate owned to assets | 9.0770% | 494 |
| Noncurrent loans to loans | 10.7066% | 368 |
| Net loans and leases to total assets | 71.1253% | 2,459 |
| Net loans and leases to deposits | 86.7675% | 2,187 |
| Net loans and leases to core deposits | 91.8515% | 2,827 |
| Total domestic deposits to total assets | 81.9722% | 5,008 |
| Equity capital to assets | 8.9310% | 5,665 |
| Core capital (leverage) ratio | 8.9251% | 4,816 |
| Tier 1 risk-based capital ratio | 13.4965% | 4,209 |
| Total risk-based capital ratio | 14.7545% | 4,157 |
| Memoranda: | ||
| Average total assets | $268,053,750 | 2,414 |
| Average earning assets | $248,076,750 | 2,393 |
| Average equity | $23,651,250 | 2,735 |
| Average total loans | $201,948,250 | 2,168 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1310% | 4,295 |
| Cost of funding earning assets | 2.0555% | 760 |
| Net interest margin | 3.0756% | 6,664 |
| Noninterest income to average assets | 0.3261% | 5,542 |
| Noninterest expense to average assets | 2.4119% | 6,038 |
| Loan and lease loss provision to assets | 0.4952% | 2,822 |
| Net operating income to assets | 0.2346% | 5,438 |
| Return on assets (ROA) | 0.2346% | 5,578 |
| Pretax return on assets | 0.2636% | 5,618 |
| Return on Equity (ROE) | 2.6692% | 5,392 |
| Retained earnings to average equity (ytd only) | 2.6692% | 4,448 |
| Net charge-offs to loans | 0.4010% | 3,377 |
| Credit loss provision to net charge-offs | 161.8005% | 2,436 |
| Earnings coverage of net charge-offs (x) | 2.4793% | 3,757 |
| Efficiency ratio | 76.0686% | 3,066 |
| Assets per employee ($millions) | 4.9516% | 2,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 4,281 |
| Loan loss allowance to noncurrent loans | 13.3418% | 7,184 |
| Noncurrent assets plus other real estate owned to assets | 9.4116% | 454 |
| Noncurrent loans to loans | 10.7274% | 387 |
| Net loans and leases to total assets | 72.8148% | 2,207 |
| Net loans and leases to deposits | 88.6444% | 2,063 |
| Net loans and leases to core deposits | 93.9639% | 2,718 |
| Total domestic deposits to total assets | 82.1425% | 4,926 |
| Equity capital to assets | 8.9037% | 5,597 |
| Core capital (leverage) ratio | 8.6128% | 5,211 |
| Tier 1 risk-based capital ratio | 12.7575% | 4,642 |
| Total risk-based capital ratio | 14.0113% | 4,607 |
| Memoranda: | ||
| Average total assets | $268,590,330 | 2,432 |
| Average earning assets | $248,409,670 | 2,408 |
| Average equity | $23,603,000 | 2,735 |
| Average total loans | $204,977,000 | 2,171 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2822% | 3,634 |
| Cost of funding earning assets | 2.1586% | 670 |
| Net interest margin | 3.1237% | 6,536 |
| Noninterest income to average assets | 0.3165% | 5,616 |
| Noninterest expense to average assets | 2.3849% | 6,146 |
| Loan and lease loss provision to assets | 0.5424% | 2,332 |
| Net operating income to assets | 0.2407% | 5,541 |
| Return on assets (ROA) | 0.2407% | 5,655 |
| Pretax return on assets | 0.2749% | 5,674 |
| Return on Equity (ROE) | 2.7573% | 5,454 |
| Retained earnings to average equity (ytd only) | 2.7573% | 4,486 |
| Net charge-offs to loans | 0.1955% | 3,739 |
| Credit loss provision to net charge-offs | 357.8431% | 1,133 |
| Earnings coverage of net charge-offs (x) | 5.3922% | 2,411 |
| Efficiency ratio | 74.4780% | 3,495 |
| Assets per employee ($millions) | 5.0340% | 2,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3732% | 4,560 |
| Loan loss allowance to noncurrent loans | 17.3636% | 7,134 |
| Noncurrent assets plus other real estate owned to assets | 6.9998% | 771 |
| Noncurrent loans to loans | 7.9083% | 687 |
| Net loans and leases to total assets | 74.9333% | 1,757 |
| Net loans and leases to deposits | 90.7501% | 1,792 |
| Net loans and leases to core deposits | 96.5329% | 2,521 |
| Total domestic deposits to total assets | 82.5710% | 4,815 |
| Equity capital to assets | 8.6850% | 5,751 |
| Core capital (leverage) ratio | 8.6717% | 5,068 |
| Tier 1 risk-based capital ratio | 12.3207% | 4,884 |
| Total risk-based capital ratio | 13.5738% | 4,840 |
| Memoranda: | ||
| Average total assets | $269,193,500 | 2,475 |
| Average earning assets | $248,682,500 | 2,464 |
| Average equity | $23,501,000 | 2,770 |
| Average total loans | $208,704,500 | 2,190 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9288% | 2,135 |
| Cost of funding earning assets | 2.8376% | 394 |
| Net interest margin | 3.0911% | 6,395 |
| Noninterest income to average assets | 0.4887% | 4,498 |
| Noninterest expense to average assets | 2.5112% | 6,085 |
| Loan and lease loss provision to assets | 0.6274% | 3,298 |
| Net operating income to assets | 0.1927% | 4,918 |
| Return on assets (ROA) | 0.2540% | 4,792 |
| Pretax return on assets | 0.2972% | 4,770 |
| Return on Equity (ROE) | 2.9955% | 4,501 |
| Retained earnings to average equity (ytd only) | 2.9955% | 3,067 |
| Net charge-offs to loans | 0.8224% | 2,767 |
| Credit loss provision to net charge-offs | 92.0852% | 5,936 |
| Earnings coverage of net charge-offs (x) | 1.2511% | 4,875 |
| Efficiency ratio | 74.6572% | 3,769 |
| Assets per employee ($millions) | 4.9361% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 5,240 |
| Loan loss allowance to noncurrent loans | 21.0798% | 7,014 |
| Noncurrent assets plus other real estate owned to assets | 5.6451% | 1,031 |
| Noncurrent loans to loans | 5.7882% | 1,094 |
| Net loans and leases to total assets | 78.1480% | 1,346 |
| Net loans and leases to deposits | 95.0023% | 1,458 |
| Net loans and leases to core deposits | 131.0622% | 1,225 |
| Total domestic deposits to total assets | 82.2590% | 4,831 |
| Equity capital to assets | 8.7761% | 5,476 |
| Core capital (leverage) ratio | 8.6820% | 4,952 |
| Tier 1 risk-based capital ratio | 11.8976% | 5,028 |
| Total risk-based capital ratio | 13.1487% | 4,990 |
| Memoranda: | ||
| Average total assets | $268,876,200 | 2,429 |
| Average earning assets | $250,068,800 | 2,400 |
| Average equity | $22,800,800 | 2,852 |
| Average total loans | $222,754,800 | 2,080 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9754% | 2,130 |
| Cost of funding earning assets | 2.9327% | 402 |
| Net interest margin | 3.0426% | 6,489 |
| Noninterest income to average assets | 0.5042% | 4,448 |
| Noninterest expense to average assets | 2.4671% | 6,189 |
| Loan and lease loss provision to assets | 0.3068% | 4,519 |
| Net operating income to assets | 0.4241% | 4,305 |
| Return on assets (ROA) | 0.4241% | 4,407 |
| Pretax return on assets | 0.5661% | 4,311 |
| Return on Equity (ROE) | 5.0442% | 3,947 |
| Retained earnings to average equity (ytd only) | 5.0442% | 2,463 |
| Net charge-offs to loans | 0.2682% | 4,364 |
| Credit loss provision to net charge-offs | 136.5639% | 3,630 |
| Earnings coverage of net charge-offs (x) | 3.8854% | 3,351 |
| Efficiency ratio | 73.8667% | 3,880 |
| Assets per employee ($millions) | 4.6547% | 2,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 4,434 |
| Loan loss allowance to noncurrent loans | 28.6424% | 6,559 |
| Noncurrent assets plus other real estate owned to assets | 4.7398% | 1,257 |
| Noncurrent loans to loans | 4.5746% | 1,515 |
| Net loans and leases to total assets | 80.4609% | 1,096 |
| Net loans and leases to deposits | 98.1258% | 1,314 |
| Net loans and leases to core deposits | 137.6051% | 1,030 |
| Total domestic deposits to total assets | 81.9978% | 4,678 |
| Equity capital to assets | 8.7446% | 5,886 |
| Core capital (leverage) ratio | 8.5029% | 5,489 |
| Tier 1 risk-based capital ratio | 11.1445% | 5,819 |
| Total risk-based capital ratio | 12.3962% | 5,757 |
| Memoranda: | ||
| Average total assets | $269,457,250 | 2,433 |
| Average earning assets | $251,136,500 | 2,413 |
| Average equity | $22,652,750 | 2,894 |
| Average total loans | $225,724,000 | 2,085 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0419% | 2,009 |
| Cost of funding earning assets | 3.0245% | 433 |
| Net interest margin | 3.0174% | 6,492 |
| Noninterest income to average assets | 0.5162% | 4,298 |
| Noninterest expense to average assets | 2.5059% | 6,105 |
| Loan and lease loss provision to assets | 0.2585% | 4,511 |
| Net operating income to assets | 0.4241% | 4,406 |
| Return on assets (ROA) | 0.4241% | 4,517 |
| Pretax return on assets | 0.5652% | 4,422 |
| Return on Equity (ROE) | 5.1132% | 4,031 |
| Retained earnings to average equity (ytd only) | 5.1132% | 2,450 |
| Net charge-offs to loans | 0.3875% | 3,261 |
| Credit loss provision to net charge-offs | 78.9116% | 5,230 |
| Earnings coverage of net charge-offs (x) | 2.5147% | 3,809 |
| Efficiency ratio | 75.2621% | 3,835 |
| Assets per employee ($millions) | 4.6818% | 2,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 5,160 |
| Loan loss allowance to noncurrent loans | 42.7733% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 3.1969% | 1,962 |
| Noncurrent loans to loans | 2.7275% | 2,638 |
| Net loans and leases to total assets | 81.8958% | 975 |
| Net loans and leases to deposits | 99.3553% | 1,349 |
| Net loans and leases to core deposits | 141.1212% | 968 |
| Total domestic deposits to total assets | 82.4272% | 4,513 |
| Equity capital to assets | 8.4727% | 6,087 |
| Core capital (leverage) ratio | 8.4129% | 5,596 |
| Tier 1 risk-based capital ratio | 10.6198% | 6,263 |
| Total risk-based capital ratio | 11.8496% | 6,234 |
| Memoranda: | ||
| Average total assets | $269,285,670 | 2,446 |
| Average earning assets | $251,080,000 | 2,433 |
| Average equity | $22,334,330 | 2,934 |
| Average total loans | $227,596,670 | 2,101 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1448% | 1,784 |
| Cost of funding earning assets | 3.1308% | 417 |
| Net interest margin | 3.0140% | 6,445 |
| Noninterest income to average assets | 0.4684% | 4,604 |
| Noninterest expense to average assets | 2.4657% | 5,976 |
| Loan and lease loss provision to assets | 0.1924% | 4,512 |
| Net operating income to assets | 0.4594% | 4,616 |
| Return on assets (ROA) | 0.4594% | 4,792 |
| Pretax return on assets | 0.6205% | 4,693 |
| Return on Equity (ROE) | 5.6005% | 4,214 |
| Retained earnings to average equity (ytd only) | 5.6005% | 2,822 |
| Net charge-offs to loans | 0.0315% | 5,079 |
| Credit loss provision to net charge-offs | 716.6667% | 832 |
| Earnings coverage of net charge-offs (x) | 30.2778% | 1,045 |
| Efficiency ratio | 75.2047% | 3,618 |
| Assets per employee ($millions) | 4.5230% | 2,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 4,573 |
| Loan loss allowance to noncurrent loans | 37.0288% | 6,086 |
| Noncurrent assets plus other real estate owned to assets | 3.5518% | 1,506 |
| Noncurrent loans to loans | 3.3271% | 1,926 |
| Net loans and leases to total assets | 83.5726% | 755 |
| Net loans and leases to deposits | 100.9332% | 1,288 |
| Net loans and leases to core deposits | 143.4823% | 954 |
| Total domestic deposits to total assets | 82.7999% | 4,244 |
| Equity capital to assets | 8.2699% | 6,431 |
| Core capital (leverage) ratio | 8.5410% | 5,449 |
| Tier 1 risk-based capital ratio | 10.6014% | 6,291 |
| Total risk-based capital ratio | 11.8522% | 6,208 |
| Memoranda: | ||
| Average total assets | $268,156,500 | 2,480 |
| Average earning assets | $250,032,500 | 2,445 |
| Average equity | $21,998,000 | 2,975 |
| Average total loans | $228,891,000 | 2,107 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1622% | 801 |
| Cost of funding earning assets | 3.5661% | 437 |
| Net interest margin | 3.5961% | 4,908 |
| Noninterest income to average assets | 0.4896% | 4,696 |
| Noninterest expense to average assets | 2.4086% | 6,362 |
| Loan and lease loss provision to assets | 0.2976% | 4,005 |
| Net operating income to assets | 0.8771% | 3,103 |
| Return on assets (ROA) | -0.7402% | 6,997 |
| Pretax return on assets | -1.3736% | 7,196 |
| Return on Equity (ROE) | -8.2960% | 7,142 |
| Retained earnings to average equity (ytd only) | -15.3562% | 7,482 |
| Net charge-offs to loans | 0.2860% | 3,493 |
| Credit loss provision to net charge-offs | 121.0031% | 4,434 |
| Earnings coverage of net charge-offs (x) | 5.8997% | 3,495 |
| Efficiency ratio | 62.4051% | 5,875 |
| Assets per employee ($millions) | 4.4155% | 2,763 |
| Cash dividends to net income (ytd only)* | -85.1042% | 8,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1913% | 4,611 |
| Loan loss allowance to noncurrent loans | 34.6242% | 6,425 |
| Noncurrent assets plus other real estate owned to assets | 3.6987% | 1,172 |
| Noncurrent loans to loans | 3.4407% | 1,488 |
| Net loans and leases to total assets | 85.0916% | 723 |
| Net loans and leases to deposits | 104.4750% | 1,294 |
| Net loans and leases to core deposits | 148.3626% | 920 |
| Total domestic deposits to total assets | 81.4469% | 4,439 |
| Equity capital to assets | 8.1353% | 6,647 |
| Core capital (leverage) ratio | 8.0647% | 6,384 |
| Tier 1 risk-based capital ratio | 9.7708% | 6,986 |
| Total risk-based capital ratio | 11.0175% | 6,887 |
| Memoranda: | ||
| Average total assets | $259,400,400 | 2,468 |
| Average earning assets | $243,094,400 | 2,425 |
| Average equity | $23,143,800 | 2,834 |
| Average total loans | $223,049,800 | 2,100 |