Home > South Georgia Bank > Performance and Condition Ratios
South Georgia 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 | 5.6076% | 1,026 |
| Cost of funding earning assets | 0.9093% | 3,503 |
| Net interest margin | 4.6983% | 477 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.8820% | 1,308 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.9631% | 492 |
| Return on assets (ROA) | 1.9631% | 468 |
| Pretax return on assets | 2.0759% | 602 |
| Return on Equity (ROE) | 25.3500% | 299 |
| Retained earnings to average equity (ytd only) | 7.5779% | 1,675 |
| Net charge-offs to loans | -0.0316% | 4,274 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 57.4906% | 3,345 |
| Assets per employee ($millions) | 5.4385% | 3,302 |
| Cash dividends to net income (ytd only)* | 70.1098% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2832% | 250 |
| Loan loss allowance to noncurrent loans | 4,403.1746% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 3,484 |
| Noncurrent loans to loans | 0.0519% | 3,351 |
| Net loans and leases to total assets | 53.2400% | 3,403 |
| Net loans and leases to deposits | 59.3755% | 3,563 |
| Net loans and leases to core deposits | 65.0558% | 3,539 |
| Total domestic deposits to total assets | 89.6700% | 852 |
| Equity capital to assets | 8.2959% | 3,205 |
| Core capital (leverage) ratio | 11.6754% | 1,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6328% | 633 |
| Memoranda: | ||
| Average total assets | $217,974,000 | 2,857 |
| Average earning assets | $204,667,800 | 2,831 |
| Average equity | $16,878,000 | 3,106 |
| Average total loans | $120,167,800 | 2,953 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5543% | 956 |
| Cost of funding earning assets | 0.7886% | 3,557 |
| Net interest margin | 4.7657% | 428 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.9278% | 1,180 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.9804% | 513 |
| Return on assets (ROA) | 1.9804% | 505 |
| Pretax return on assets | 2.0874% | 672 |
| Return on Equity (ROE) | 26.0500% | 351 |
| Retained earnings to average equity (ytd only) | 7.8429% | 2,025 |
| Net charge-offs to loans | -0.0423% | 4,325 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.7408% | 3,242 |
| Assets per employee ($millions) | 5.1407% | 3,485 |
| Cash dividends to net income (ytd only)* | 69.8975% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2792% | 263 |
| Loan loss allowance to noncurrent loans | 2,472.0721% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 3,282 |
| Noncurrent loans to loans | 0.0922% | 3,117 |
| Net loans and leases to total assets | 55.8200% | 3,218 |
| Net loans and leases to deposits | 61.6820% | 3,420 |
| Net loans and leases to core deposits | 67.8352% | 3,338 |
| Total domestic deposits to total assets | 90.4900% | 813 |
| Equity capital to assets | 7.3052% | 3,462 |
| Core capital (leverage) ratio | 11.7538% | 1,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5152% | 660 |
| Memoranda: | ||
| Average total assets | $216,723,000 | 2,875 |
| Average earning assets | $203,730,000 | 2,853 |
| Average equity | $16,473,000 | 3,124 |
| Average total loans | $119,835,500 | 2,958 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4643% | 881 |
| Cost of funding earning assets | 0.6463% | 3,636 |
| Net interest margin | 4.8180% | 392 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.9830% | 1,070 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.9533% | 497 |
| Return on assets (ROA) | 1.9533% | 499 |
| Pretax return on assets | 2.0667% | 671 |
| Return on Equity (ROE) | 25.3800% | 362 |
| Retained earnings to average equity (ytd only) | 7.5572% | 2,110 |
| Net charge-offs to loans | -0.0635% | 4,436 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.4378% | 3,143 |
| Assets per employee ($millions) | 4.9835% | 3,608 |
| Cash dividends to net income (ytd only)* | 70.2247% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2419% | 287 |
| Loan loss allowance to noncurrent loans | 2,280.6723% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 3,221 |
| Noncurrent loans to loans | 0.0983% | 3,000 |
| Net loans and leases to total assets | 55.2300% | 3,171 |
| Net loans and leases to deposits | 61.1361% | 3,356 |
| Net loans and leases to core deposits | 66.5353% | 3,324 |
| Total domestic deposits to total assets | 90.3300% | 832 |
| Equity capital to assets | 7.9113% | 3,275 |
| Core capital (leverage) ratio | 11.2810% | 1,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0524% | 714 |
| Memoranda: | ||
| Average total assets | $218,708,000 | 2,879 |
| Average earning assets | $205,481,000 | 2,855 |
| Average equity | $16,831,667 | 3,118 |
| Average total loans | $119,650,000 | 2,954 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3469% | 782 |
| Cost of funding earning assets | 0.5178% | 3,631 |
| Net interest margin | 4.8291% | 357 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.9712% | 1,111 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.9301% | 547 |
| Return on assets (ROA) | 1.9301% | 540 |
| Pretax return on assets | 2.0641% | 694 |
| Return on Equity (ROE) | 25.4200% | 388 |
| Retained earnings to average equity (ytd only) | 7.5368% | 2,354 |
| Net charge-offs to loans | -0.1345% | 4,550 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.3778% | 3,150 |
| Assets per employee ($millions) | 5.1133% | 3,567 |
| Cash dividends to net income (ytd only)* | 70.3565% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2420% | 303 |
| Loan loss allowance to noncurrent loans | 9,262.0690% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 3,726 |
| Noncurrent loans to loans | 0.0242% | 3,597 |
| Net loans and leases to total assets | 53.2700% | 3,258 |
| Net loans and leases to deposits | 58.8972% | 3,405 |
| Net loans and leases to core deposits | 64.0985% | 3,339 |
| Total domestic deposits to total assets | 90.4400% | 999 |
| Equity capital to assets | 7.8651% | 3,333 |
| Core capital (leverage) ratio | 10.9450% | 1,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8462% | 674 |
| Memoranda: | ||
| Average total assets | $220,917,500 | 2,906 |
| Average earning assets | $207,822,000 | 2,877 |
| Average equity | $16,771,000 | 3,150 |
| Average total loans | $118,946,500 | 2,990 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5585% | 647 |
| Cost of funding earning assets | 0.2963% | 2,909 |
| Net interest margin | 4.2622% | 460 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.5427% | 1,985 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.9157% | 344 |
| Return on assets (ROA) | 1.9129% | 336 |
| Pretax return on assets | 1.9129% | 566 |
| Return on Equity (ROE) | 22.4300% | 310 |
| Retained earnings to average equity (ytd only) | 7.1010% | 2,197 |
| Net charge-offs to loans | -0.0198% | 4,067 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.6171% | 3,514 |
| Assets per employee ($millions) | 5.1620% | 3,545 |
| Cash dividends to net income (ytd only)* | 68.3427% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2144% | 301 |
| Loan loss allowance to noncurrent loans | 5,811.1111% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 3,645 |
| Noncurrent loans to loans | 0.0381% | 3,503 |
| Net loans and leases to total assets | 52.0200% | 3,357 |
| Net loans and leases to deposits | 57.5166% | 3,489 |
| Net loans and leases to core deposits | 62.1923% | 3,381 |
| Total domestic deposits to total assets | 90.4500% | 1,171 |
| Equity capital to assets | 7.3205% | 3,480 |
| Core capital (leverage) ratio | 11.0499% | 1,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6744% | 655 |
| Memoranda: | ||
| Average total assets | $214,178,400 | 2,949 |
| Average earning assets | $201,117,600 | 2,923 |
| Average equity | $18,265,000 | 3,104 |
| Average total loans | $111,189,000 | 3,015 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3785% | 609 |
| Cost of funding earning assets | 0.2747% | 2,438 |
| Net interest margin | 4.1038% | 514 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.4331% | 2,213 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.8998% | 346 |
| Return on assets (ROA) | 1.8960% | 342 |
| Pretax return on assets | 1.8960% | 591 |
| Return on Equity (ROE) | 21.4400% | 324 |
| Retained earnings to average equity (ytd only) | 6.5212% | 2,544 |
| Net charge-offs to loans | -0.0268% | 4,102 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.8311% | 3,637 |
| Assets per employee ($millions) | 5.4943% | 3,227 |
| Cash dividends to net income (ytd only)* | 69.5825% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3118% | 287 |
| Loan loss allowance to noncurrent loans | 2,372.4771% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 3,375 |
| Noncurrent loans to loans | 0.0974% | 3,181 |
| Net loans and leases to total assets | 51.0000% | 3,383 |
| Net loans and leases to deposits | 55.7004% | 3,505 |
| Net loans and leases to core deposits | 60.5983% | 3,340 |
| Total domestic deposits to total assets | 91.5600% | 1,022 |
| Equity capital to assets | 7.0171% | 3,510 |
| Core capital (leverage) ratio | 10.8020% | 1,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1195% | 632 |
| Memoranda: | ||
| Average total assets | $212,231,750 | 2,987 |
| Average earning assets | $199,517,500 | 2,956 |
| Average equity | $18,769,000 | 3,088 |
| Average total loans | $109,463,750 | 3,045 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2428% | 573 |
| Cost of funding earning assets | 0.2743% | 1,964 |
| Net interest margin | 3.9686% | 527 |
| Noninterest income to average assets | 0.4850% | 2,284 |
| Noninterest expense to average assets | 2.3266% | 2,470 |
| Loan and lease loss provision to assets | 0.0189% | 2,264 |
| Net operating income to assets | 1.8606% | 295 |
| Return on assets (ROA) | 1.8549% | 294 |
| Pretax return on assets | 1.8549% | 522 |
| Return on Equity (ROE) | 19.6069% | 332 |
| Retained earnings to average equity (ytd only) | 5.6163% | 2,466 |
| Net charge-offs to loans | -0.0368% | 4,121 |
| Credit loss provision to net charge-offs | -100.0000% | 3,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3158% | 3,843 |
| Assets per employee ($millions) | 5.0769% | 3,614 |
| Cash dividends to net income (ytd only)* | 71.3558% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3378% | 310 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 50.2324% | 3,351 |
| Net loans and leases to deposits | 55.3006% | 3,435 |
| Net loans and leases to core deposits | 60.3107% | 3,252 |
| Total domestic deposits to total assets | 90.8352% | 1,319 |
| Equity capital to assets | 7.8179% | 3,250 |
| Core capital (leverage) ratio | 10.7160% | 1,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2095% | 611 |
| Memoranda: | ||
| Average total assets | $211,549,667 | 3,022 |
| Average earning assets | $198,357,333 | 3,004 |
| Average equity | $20,013,333 | 3,070 |
| Average total loans | $108,664,000 | 3,082 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1875% | 533 |
| Cost of funding earning assets | 0.2736% | 1,890 |
| Net interest margin | 3.9139% | 484 |
| Noninterest income to average assets | 0.4803% | 2,233 |
| Noninterest expense to average assets | 2.2666% | 2,627 |
| Loan and lease loss provision to assets | 0.0190% | 2,015 |
| Net operating income to assets | 1.8604% | 293 |
| Return on assets (ROA) | 1.8490% | 298 |
| Pretax return on assets | 1.8490% | 494 |
| Return on Equity (ROE) | 17.9663% | 348 |
| Retained earnings to average equity (ytd only) | 5.0542% | 2,575 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6703% | 4,011 |
| Assets per employee ($millions) | 5.0585% | 3,706 |
| Cash dividends to net income (ytd only)* | 71.8686% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3093% | 366 |
| Loan loss allowance to noncurrent loans | 6,033.3333% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 3,851 |
| Noncurrent loans to loans | 0.0383% | 3,705 |
| Net loans and leases to total assets | 50.4542% | 3,129 |
| Net loans and leases to deposits | 56.5131% | 3,216 |
| Net loans and leases to core deposits | 61.9665% | 2,974 |
| Total domestic deposits to total assets | 89.2788% | 1,938 |
| Equity capital to assets | 9.4390% | 2,335 |
| Core capital (leverage) ratio | 10.7218% | 1,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7511% | 670 |
| Memoranda: | ||
| Average total assets | $210,710,000 | 3,035 |
| Average earning assets | $197,347,000 | 3,021 |
| Average equity | $21,685,000 | 3,010 |
| Average total loans | $108,159,000 | 3,085 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3533% | 778 |
| Cost of funding earning assets | 0.3446% | 1,989 |
| Net interest margin | 4.0087% | 697 |
| Noninterest income to average assets | 0.5306% | 2,436 |
| Noninterest expense to average assets | 2.3931% | 2,512 |
| Loan and lease loss provision to assets | 0.0865% | 1,423 |
| Net operating income to assets | 1.8595% | 449 |
| Return on assets (ROA) | 1.8486% | 482 |
| Pretax return on assets | 1.8486% | 816 |
| Return on Equity (ROE) | 16.2029% | 720 |
| Retained earnings to average equity (ytd only) | 4.9328% | 2,807 |
| Net charge-offs to loans | 0.2538% | 357 |
| Credit loss provision to net charge-offs | 62.5000% | 2,053 |
| Earnings coverage of net charge-offs (x) | 14.0536% | 2,052 |
| Efficiency ratio | 55.1516% | 3,802 |
| Assets per employee ($millions) | 4.8596% | 3,843 |
| Cash dividends to net income (ytd only)* | 69.5559% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3680% | 347 |
| Loan loss allowance to noncurrent loans | 31,550.0000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 4,140 |
| Noncurrent loans to loans | 0.0075% | 4,050 |
| Net loans and leases to total assets | 49.8014% | 3,307 |
| Net loans and leases to deposits | 56.8974% | 3,347 |
| Net loans and leases to core deposits | 62.0449% | 3,158 |
| Total domestic deposits to total assets | 87.5284% | 2,269 |
| Equity capital to assets | 11.1580% | 1,695 |
| Core capital (leverage) ratio | 10.8856% | 1,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0038% | 649 |
| Memoranda: | ||
| Average total assets | $202,205,800 | 3,049 |
| Average earning assets | $192,108,800 | 3,012 |
| Average equity | $23,070,000 | 2,977 |
| Average total loans | $110,328,400 | 3,076 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3781% | 841 |
| Cost of funding earning assets | 0.3643% | 1,991 |
| Net interest margin | 4.0139% | 776 |
| Noninterest income to average assets | 0.5339% | 2,483 |
| Noninterest expense to average assets | 2.3665% | 2,544 |
| Loan and lease loss provision to assets | 0.1032% | 1,170 |
| Net operating income to assets | 1.8818% | 578 |
| Return on assets (ROA) | 1.8671% | 610 |
| Pretax return on assets | 1.8671% | 1,005 |
| Return on Equity (ROE) | 16.2718% | 894 |
| Retained earnings to average equity (ytd only) | 5.8412% | 2,897 |
| Net charge-offs to loans | 0.3343% | 232 |
| Credit loss provision to net charge-offs | 55.5556% | 1,828 |
| Earnings coverage of net charge-offs (x) | 10.6989% | 2,028 |
| Efficiency ratio | 54.3857% | 3,750 |
| Assets per employee ($millions) | 4.8246% | 3,865 |
| Cash dividends to net income (ytd only)* | 64.1026% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3540% | 357 |
| Loan loss allowance to noncurrent loans | 2,196.4912% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 3,749 |
| Noncurrent loans to loans | 0.1072% | 3,557 |
| Net loans and leases to total assets | 51.2587% | 3,276 |
| Net loans and leases to deposits | 59.0236% | 3,323 |
| Net loans and leases to core deposits | 64.6448% | 3,076 |
| Total domestic deposits to total assets | 86.8443% | 2,411 |
| Equity capital to assets | 11.6712% | 1,558 |
| Core capital (leverage) ratio | 11.0320% | 1,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0606% | 688 |
| Memoranda: | ||
| Average total assets | $200,516,750 | 3,097 |
| Average earning assets | $190,700,000 | 3,054 |
| Average equity | $23,008,500 | 3,019 |
| Average total loans | $111,263,000 | 3,098 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3783% | 876 |
| Cost of funding earning assets | 0.3886% | 1,981 |
| Net interest margin | 3.9897% | 842 |
| Noninterest income to average assets | 0.5465% | 2,421 |
| Noninterest expense to average assets | 2.3252% | 2,691 |
| Loan and lease loss provision to assets | 0.1101% | 1,149 |
| Net operating income to assets | 1.9028% | 585 |
| Return on assets (ROA) | 1.8808% | 640 |
| Pretax return on assets | 1.8808% | 1,057 |
| Return on Equity (ROE) | 16.4863% | 866 |
| Retained earnings to average equity (ytd only) | 5.9575% | 2,819 |
| Net charge-offs to loans | 0.4925% | 168 |
| Credit loss provision to net charge-offs | 39.5683% | 1,662 |
| Earnings coverage of net charge-offs (x) | 7.2338% | 1,926 |
| Efficiency ratio | 53.5994% | 3,853 |
| Assets per employee ($millions) | 4.6869% | 3,944 |
| Cash dividends to net income (ytd only)* | 63.8638% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1895% | 437 |
| Loan loss allowance to noncurrent loans | 8,486.2069% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 4,199 |
| Noncurrent loans to loans | 0.0258% | 4,090 |
| Net loans and leases to total assets | 54.5510% | 3,072 |
| Net loans and leases to deposits | 62.7325% | 3,129 |
| Net loans and leases to core deposits | 68.6160% | 2,903 |
| Total domestic deposits to total assets | 86.9582% | 2,345 |
| Equity capital to assets | 11.5096% | 1,621 |
| Core capital (leverage) ratio | 10.9000% | 1,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9740% | 811 |
| Memoranda: | ||
| Average total assets | $199,810,667 | 3,102 |
| Average earning assets | $189,891,333 | 3,067 |
| Average equity | $22,794,667 | 3,029 |
| Average total loans | $112,893,333 | 3,084 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2715% | 1,088 |
| Cost of funding earning assets | 0.4225% | 1,921 |
| Net interest margin | 3.8490% | 1,059 |
| Noninterest income to average assets | 0.5710% | 2,325 |
| Noninterest expense to average assets | 2.3102% | 2,753 |
| Loan and lease loss provision to assets | 0.0241% | 2,470 |
| Net operating income to assets | 1.8819% | 686 |
| Return on assets (ROA) | 1.8417% | 782 |
| Pretax return on assets | 1.8417% | 1,215 |
| Return on Equity (ROE) | 16.2167% | 975 |
| Retained earnings to average equity (ytd only) | 5.5944% | 3,032 |
| Net charge-offs to loans | -0.0707% | 4,519 |
| Credit loss provision to net charge-offs | -60.0000% | 2,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7926% | 3,701 |
| Assets per employee ($millions) | 4.7124% | 3,917 |
| Cash dividends to net income (ytd only)* | 65.5022% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3658% | 323 |
| Loan loss allowance to noncurrent loans | 4,291.9355% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 4,137 |
| Noncurrent loans to loans | 0.0551% | 4,012 |
| Net loans and leases to total assets | 55.4860% | 3,096 |
| Net loans and leases to deposits | 63.6669% | 3,156 |
| Net loans and leases to core deposits | 69.3547% | 2,926 |
| Total domestic deposits to total assets | 87.1505% | 2,253 |
| Equity capital to assets | 11.3418% | 1,630 |
| Core capital (leverage) ratio | 11.0601% | 1,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4487% | 737 |
| Memoranda: | ||
| Average total assets | $198,948,000 | 3,099 |
| Average earning assets | $188,413,500 | 3,068 |
| Average equity | $22,594,000 | 3,032 |
| Average total loans | $113,139,500 | 3,083 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1022% | 408 |
| Cost of funding earning assets | 0.7289% | 1,569 |
| Net interest margin | 4.3733% | 430 |
| Noninterest income to average assets | 0.5341% | 2,491 |
| Noninterest expense to average assets | 2.6208% | 2,482 |
| Loan and lease loss provision to assets | 0.0113% | 4,222 |
| Net operating income to assets | 2.0043% | 262 |
| Return on assets (ROA) | 2.0342% | 264 |
| Pretax return on assets | 2.0342% | 426 |
| Return on Equity (ROE) | 16.5812% | 448 |
| Retained earnings to average equity (ytd only) | 3.6955% | 2,980 |
| Net charge-offs to loans | -0.1144% | 4,832 |
| Credit loss provision to net charge-offs | -16.1290% | 3,670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5270% | 3,917 |
| Assets per employee ($millions) | 4.7613% | 3,644 |
| Cash dividends to net income (ytd only)* | 77.7130% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3102% | 347 |
| Loan loss allowance to noncurrent loans | 3,414.2857% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 4,160 |
| Noncurrent loans to loans | 0.0677% | 4,025 |
| Net loans and leases to total assets | 55.5922% | 3,338 |
| Net loans and leases to deposits | 63.7220% | 3,460 |
| Net loans and leases to core deposits | 69.6750% | 3,275 |
| Total domestic deposits to total assets | 87.2418% | 1,825 |
| Equity capital to assets | 11.3715% | 1,975 |
| Core capital (leverage) ratio | 10.8759% | 1,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1684% | 756 |
| Memoranda: | ||
| Average total assets | $177,119,200 | 3,127 |
| Average earning assets | $166,142,800 | 3,110 |
| Average equity | $21,729,400 | 3,034 |
| Average total loans | $108,388,400 | 3,114 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2791% | 356 |
| Cost of funding earning assets | 0.7966% | 1,517 |
| Net interest margin | 4.4825% | 395 |
| Noninterest income to average assets | 0.5616% | 2,344 |
| Noninterest expense to average assets | 2.6797% | 2,311 |
| Loan and lease loss provision to assets | 0.0123% | 4,157 |
| Net operating income to assets | 2.0714% | 256 |
| Return on assets (ROA) | 2.1057% | 259 |
| Pretax return on assets | 2.1057% | 410 |
| Return on Equity (ROE) | 16.8054% | 463 |
| Retained earnings to average equity (ytd only) | 3.7683% | 3,160 |
| Net charge-offs to loans | -0.1445% | 4,885 |
| Credit loss provision to net charge-offs | -13.7931% | 3,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2541% | 3,889 |
| Assets per employee ($millions) | 4.3050% | 4,042 |
| Cash dividends to net income (ytd only)* | 77.5767% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3381% | 287 |
| Loan loss allowance to noncurrent loans | 43,616.6667% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 4,518 |
| Noncurrent loans to loans | 0.0054% | 4,436 |
| Net loans and leases to total assets | 60.4559% | 3,176 |
| Net loans and leases to deposits | 70.2928% | 3,287 |
| Net loans and leases to core deposits | 77.8424% | 3,021 |
| Total domestic deposits to total assets | 86.0058% | 2,063 |
| Equity capital to assets | 12.4096% | 1,462 |
| Core capital (leverage) ratio | 11.7570% | 1,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4786% | 726 |
| Memoranda: | ||
| Average total assets | $171,405,500 | 3,164 |
| Average earning assets | $160,680,750 | 3,145 |
| Average equity | $21,476,750 | 3,051 |
| Average total loans | $107,035,750 | 3,138 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3293% | 458 |
| Cost of funding earning assets | 0.8421% | 1,625 |
| Net interest margin | 4.4872% | 517 |
| Noninterest income to average assets | 0.5800% | 2,211 |
| Noninterest expense to average assets | 2.6980% | 2,389 |
| Loan and lease loss provision to assets | 0.0190% | 3,999 |
| Net operating income to assets | 2.0681% | 287 |
| Return on assets (ROA) | 2.1204% | 280 |
| Pretax return on assets | 2.1204% | 420 |
| Return on Equity (ROE) | 16.8649% | 466 |
| Retained earnings to average equity (ytd only) | 3.6301% | 3,111 |
| Net charge-offs to loans | -0.0133% | 4,289 |
| Credit loss provision to net charge-offs | -228.5714% | 3,498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3835% | 3,898 |
| Assets per employee ($millions) | 4.0393% | 4,273 |
| Cash dividends to net income (ytd only)* | 78.4753% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3368% | 276 |
| Loan loss allowance to noncurrent loans | 3,215.3846% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 4,312 |
| Noncurrent loans to loans | 0.0727% | 4,172 |
| Net loans and leases to total assets | 58.9761% | 3,426 |
| Net loans and leases to deposits | 68.6060% | 3,515 |
| Net loans and leases to core deposits | 75.8752% | 3,292 |
| Total domestic deposits to total assets | 85.9634% | 2,023 |
| Equity capital to assets | 12.4465% | 1,406 |
| Core capital (leverage) ratio | 12.2411% | 1,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4786% | 720 |
| Memoranda: | ||
| Average total assets | $168,270,333 | 3,172 |
| Average earning assets | $157,693,333 | 3,155 |
| Average equity | $21,156,333 | 3,070 |
| Average total loans | $105,405,000 | 3,159 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6055% | 294 |
| Cost of funding earning assets | 0.9059% | 1,828 |
| Net interest margin | 4.6996% | 328 |
| Noninterest income to average assets | 0.6848% | 1,706 |
| Noninterest expense to average assets | 2.7761% | 2,497 |
| Loan and lease loss provision to assets | 0.0367% | 3,313 |
| Net operating income to assets | 2.2624% | 162 |
| Return on assets (ROA) | 2.2624% | 181 |
| Pretax return on assets | 2.2624% | 257 |
| Return on Equity (ROE) | 17.8969% | 276 |
| Retained earnings to average equity (ytd only) | 4.3533% | 2,554 |
| Net charge-offs to loans | -0.0268% | 4,427 |
| Credit loss provision to net charge-offs | -214.2857% | 3,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6988% | 4,333 |
| Assets per employee ($millions) | 3.6373% | 4,344 |
| Cash dividends to net income (ytd only)* | 75.6757% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3881% | 291 |
| Loan loss allowance to noncurrent loans | 3,858.4615% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 4,415 |
| Noncurrent loans to loans | 0.0619% | 4,291 |
| Net loans and leases to total assets | 62.6313% | 3,233 |
| Net loans and leases to deposits | 72.7734% | 3,378 |
| Net loans and leases to core deposits | 82.6131% | 2,969 |
| Total domestic deposits to total assets | 86.0634% | 1,977 |
| Equity capital to assets | 12.3231% | 1,848 |
| Core capital (leverage) ratio | 12.5258% | 1,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1922% | 725 |
| Memoranda: | ||
| Average total assets | $163,541,500 | 3,184 |
| Average earning assets | $152,777,500 | 3,164 |
| Average equity | $20,674,000 | 3,106 |
| Average total loans | $104,445,000 | 3,162 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7936% | 333 |
| Cost of funding earning assets | 0.8757% | 2,305 |
| Net interest margin | 4.9179% | 318 |
| Noninterest income to average assets | 0.7524% | 1,620 |
| Noninterest expense to average assets | 2.9536% | 2,138 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.3415% | 172 |
| Return on assets (ROA) | 2.3453% | 182 |
| Pretax return on assets | 2.3453% | 276 |
| Return on Equity (ROE) | 18.9034% | 276 |
| Retained earnings to average equity (ytd only) | 6.3945% | 1,672 |
| Net charge-offs to loans | -0.2996% | 5,089 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7796% | 4,233 |
| Assets per employee ($millions) | 3.7138% | 4,259 |
| Cash dividends to net income (ytd only)* | 66.1726% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3924% | 249 |
| Loan loss allowance to noncurrent loans | 720.2899% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.2564% | 3,408 |
| Noncurrent loans to loans | 0.3321% | 3,250 |
| Net loans and leases to total assets | 62.0442% | 3,396 |
| Net loans and leases to deposits | 72.6371% | 3,464 |
| Net loans and leases to core deposits | 83.0254% | 3,038 |
| Total domestic deposits to total assets | 85.4167% | 2,340 |
| Equity capital to assets | 12.9604% | 1,553 |
| Core capital (leverage) ratio | 12.5906% | 1,433 |
| Tier 1 risk-based capital ratio | 19.7881% | 1,355 |
| Total risk-based capital ratio | 21.0521% | 1,321 |
| Memoranda: | ||
| Average total assets | $161,090,400 | 3,196 |
| Average earning assets | $148,802,400 | 3,188 |
| Average equity | $19,985,800 | 3,136 |
| Average total loans | $100,469,400 | 3,219 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7953% | 353 |
| Cost of funding earning assets | 0.8534% | 2,453 |
| Net interest margin | 4.9419% | 321 |
| Noninterest income to average assets | 0.8024% | 1,416 |
| Noninterest expense to average assets | 3.0120% | 1,945 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.3458% | 207 |
| Return on assets (ROA) | 2.3508% | 218 |
| Pretax return on assets | 2.3508% | 339 |
| Return on Equity (ROE) | 19.1654% | 303 |
| Retained earnings to average equity (ytd only) | 6.2982% | 2,224 |
| Net charge-offs to loans | -0.4189% | 5,179 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2171% | 4,149 |
| Assets per employee ($millions) | 3.6672% | 4,317 |
| Cash dividends to net income (ytd only)* | 67.1378% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4394% | 238 |
| Loan loss allowance to noncurrent loans | 676.6938% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.2809% | 3,431 |
| Noncurrent loans to loans | 0.3605% | 3,255 |
| Net loans and leases to total assets | 63.3314% | 3,353 |
| Net loans and leases to deposits | 74.5903% | 3,427 |
| Net loans and leases to core deposits | 85.0061% | 2,993 |
| Total domestic deposits to total assets | 84.9056% | 2,454 |
| Equity capital to assets | 13.1868% | 1,522 |
| Core capital (leverage) ratio | 12.8550% | 1,402 |
| Tier 1 risk-based capital ratio | 19.7126% | 1,417 |
| Total risk-based capital ratio | 20.9768% | 1,378 |
| Memoranda: | ||
| Average total assets | $160,511,500 | 3,230 |
| Average earning assets | $147,956,500 | 3,228 |
| Average equity | $19,687,750 | 3,183 |
| Average total loans | $99,619,500 | 3,274 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7488% | 364 |
| Cost of funding earning assets | 0.8197% | 2,553 |
| Net interest margin | 4.9291% | 334 |
| Noninterest income to average assets | 0.6454% | 1,945 |
| Noninterest expense to average assets | 2.8590% | 2,387 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.3227% | 204 |
| Return on assets (ROA) | 2.3202% | 214 |
| Pretax return on assets | 2.3202% | 340 |
| Return on Equity (ROE) | 19.3902% | 291 |
| Retained earnings to average equity (ytd only) | 6.4496% | 2,080 |
| Net charge-offs to loans | -0.6160% | 5,238 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1757% | 4,348 |
| Assets per employee ($millions) | 3.7643% | 4,165 |
| Cash dividends to net income (ytd only)* | 66.7379% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4378% | 242 |
| Loan loss allowance to noncurrent loans | 2,675.2688% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.2094% | 3,740 |
| Noncurrent loans to loans | 0.0911% | 4,275 |
| Net loans and leases to total assets | 61.5147% | 3,600 |
| Net loans and leases to deposits | 71.5614% | 3,718 |
| Net loans and leases to core deposits | 81.2183% | 3,318 |
| Total domestic deposits to total assets | 85.9607% | 2,056 |
| Equity capital to assets | 12.4664% | 1,877 |
| Core capital (leverage) ratio | 12.3932% | 1,592 |
| Tier 1 risk-based capital ratio | 19.2251% | 1,501 |
| Total risk-based capital ratio | 20.4898% | 1,464 |
| Memoranda: | ||
| Average total assets | $161,452,670 | 3,245 |
| Average earning assets | $148,588,330 | 3,238 |
| Average equity | $19,319,000 | 3,214 |
| Average total loans | $98,705,000 | 3,305 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7375% | 342 |
| Cost of funding earning assets | 0.7700% | 2,685 |
| Net interest margin | 4.9675% | 300 |
| Noninterest income to average assets | 0.5681% | 2,193 |
| Noninterest expense to average assets | 2.8280% | 2,476 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.3170% | 217 |
| Return on assets (ROA) | 2.3120% | 229 |
| Pretax return on assets | 2.3120% | 353 |
| Return on Equity (ROE) | 19.7364% | 281 |
| Retained earnings to average equity (ytd only) | 7.0305% | 2,027 |
| Net charge-offs to loans | -1.3316% | 5,317 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9662% | 4,438 |
| Assets per employee ($millions) | 3.7891% | 4,210 |
| Cash dividends to net income (ytd only)* | 64.3777% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5614% | 229 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.4333% | 2,855 |
| Noncurrent loans to loans | 0.1348% | 4,134 |
| Net loans and leases to total assets | 58.5563% | 3,828 |
| Net loans and leases to deposits | 67.5663% | 3,953 |
| Net loans and leases to core deposits | 75.9997% | 3,663 |
| Total domestic deposits to total assets | 86.6650% | 1,979 |
| Equity capital to assets | 11.8399% | 2,126 |
| Core capital (leverage) ratio | 12.3716% | 1,573 |
| Tier 1 risk-based capital ratio | 19.6361% | 1,415 |
| Total risk-based capital ratio | 20.9019% | 1,388 |
| Memoranda: | ||
| Average total assets | $161,245,500 | 3,286 |
| Average earning assets | $148,566,500 | 3,281 |
| Average equity | $18,889,000 | 3,273 |
| Average total loans | $97,027,500 | 3,365 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7275% | 265 |
| Cost of funding earning assets | 0.5782% | 2,868 |
| Net interest margin | 5.1493% | 204 |
| Noninterest income to average assets | 0.7927% | 1,475 |
| Noninterest expense to average assets | 3.1788% | 1,601 |
| Loan and lease loss provision to assets | 0.0188% | 3,787 |
| Net operating income to assets | 2.3291% | 206 |
| Return on assets (ROA) | 2.3354% | 196 |
| Pretax return on assets | 2.3354% | 281 |
| Return on Equity (ROE) | 20.8879% | 205 |
| Retained earnings to average equity (ytd only) | 7.4480% | 1,479 |
| Net charge-offs to loans | -0.5460% | 5,345 |
| Credit loss provision to net charge-offs | -5.6711% | 4,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5167% | 4,215 |
| Assets per employee ($millions) | 3.6263% | 4,418 |
| Cash dividends to net income (ytd only)* | 64.3432% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2717% | 291 |
| Loan loss allowance to noncurrent loans | 419.1939% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.4920% | 2,609 |
| Noncurrent loans to loans | 0.5419% | 2,651 |
| Net loans and leases to total assets | 58.8848% | 3,882 |
| Net loans and leases to deposits | 67.8388% | 3,992 |
| Net loans and leases to core deposits | 74.9765% | 3,787 |
| Total domestic deposits to total assets | 86.8011% | 1,875 |
| Equity capital to assets | 11.5863% | 2,188 |
| Core capital (leverage) ratio | 12.4885% | 1,461 |
| Tier 1 risk-based capital ratio | 19.4902% | 1,405 |
| Total risk-based capital ratio | 20.7520% | 1,374 |
| Memoranda: | ||
| Average total assets | $159,716,000 | 3,284 |
| Average earning assets | $146,836,200 | 3,286 |
| Average equity | $17,857,200 | 3,307 |
| Average total loans | $96,890,200 | 3,355 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7406% | 242 |
| Cost of funding earning assets | 0.5515% | 2,853 |
| Net interest margin | 5.1891% | 182 |
| Noninterest income to average assets | 0.8504% | 1,329 |
| Noninterest expense to average assets | 3.2758% | 1,358 |
| Loan and lease loss provision to assets | 0.0250% | 3,515 |
| Net operating income to assets | 2.3160% | 216 |
| Return on assets (ROA) | 2.3243% | 213 |
| Pretax return on assets | 2.3243% | 324 |
| Return on Equity (ROE) | 20.9791% | 214 |
| Retained earnings to average equity (ytd only) | 7.4199% | 1,918 |
| Net charge-offs to loans | -0.0494% | 4,928 |
| Credit loss provision to net charge-offs | -83.3333% | 4,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3210% | 4,066 |
| Assets per employee ($millions) | 3.6500% | 4,370 |
| Cash dividends to net income (ytd only)* | 64.6320% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7439% | 806 |
| Loan loss allowance to noncurrent loans | 782.8704% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.3131% | 3,441 |
| Noncurrent loans to loans | 0.2228% | 3,912 |
| Net loans and leases to total assets | 62.1511% | 3,644 |
| Net loans and leases to deposits | 71.5298% | 3,805 |
| Net loans and leases to core deposits | 78.5362% | 3,616 |
| Total domestic deposits to total assets | 86.8884% | 1,783 |
| Equity capital to assets | 11.5506% | 2,225 |
| Core capital (leverage) ratio | 12.1832% | 1,674 |
| Tier 1 risk-based capital ratio | 18.7991% | 1,589 |
| Total risk-based capital ratio | 20.0543% | 1,558 |
| Memoranda: | ||
| Average total assets | $159,755,250 | 3,306 |
| Average earning assets | $146,739,500 | 3,322 |
| Average equity | $17,699,750 | 3,354 |
| Average total loans | $97,077,750 | 3,387 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6557% | 255 |
| Cost of funding earning assets | 0.5383% | 2,702 |
| Net interest margin | 5.1174% | 198 |
| Noninterest income to average assets | 0.5015% | 2,859 |
| Noninterest expense to average assets | 2.9054% | 2,345 |
| Loan and lease loss provision to assets | 0.0371% | 3,168 |
| Net operating income to assets | 2.2568% | 234 |
| Return on assets (ROA) | 2.2692% | 220 |
| Pretax return on assets | 2.2692% | 349 |
| Return on Equity (ROE) | 20.7602% | 216 |
| Retained earnings to average equity (ytd only) | 7.1988% | 1,977 |
| Net charge-offs to loans | -0.0391% | 4,832 |
| Credit loss provision to net charge-offs | -157.8947% | 4,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8803% | 4,489 |
| Assets per employee ($millions) | 3.8026% | 4,206 |
| Cash dividends to net income (ytd only)* | 65.3239% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6870% | 923 |
| Loan loss allowance to noncurrent loans | 579.2388% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.5585% | 2,555 |
| Noncurrent loans to loans | 0.2912% | 3,658 |
| Net loans and leases to total assets | 61.0820% | 3,702 |
| Net loans and leases to deposits | 69.6590% | 3,891 |
| Net loans and leases to core deposits | 75.5161% | 3,776 |
| Total domestic deposits to total assets | 87.6871% | 1,547 |
| Equity capital to assets | 11.1151% | 2,530 |
| Core capital (leverage) ratio | 11.6184% | 1,970 |
| Tier 1 risk-based capital ratio | 17.8490% | 1,843 |
| Total risk-based capital ratio | 19.1036% | 1,806 |
| Memoranda: | ||
| Average total assets | $161,907,330 | 3,301 |
| Average earning assets | $148,629,330 | 3,307 |
| Average equity | $17,697,330 | 3,366 |
| Average total loans | $97,114,330 | 3,390 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5634% | 251 |
| Cost of funding earning assets | 0.5272% | 2,570 |
| Net interest margin | 5.0363% | 219 |
| Noninterest income to average assets | 0.4932% | 2,844 |
| Noninterest expense to average assets | 2.8416% | 2,562 |
| Loan and lease loss provision to assets | 0.0368% | 3,011 |
| Net operating income to assets | 2.2330% | 233 |
| Return on assets (ROA) | 2.2404% | 230 |
| Pretax return on assets | 2.2404% | 349 |
| Return on Equity (ROE) | 20.6678% | 212 |
| Retained earnings to average equity (ytd only) | 7.0855% | 2,247 |
| Net charge-offs to loans | -0.0250% | 4,661 |
| Credit loss provision to net charge-offs | -250.0000% | 3,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5929% | 4,635 |
| Assets per employee ($millions) | 3.9396% | 4,081 |
| Cash dividends to net income (ytd only)* | 65.7174% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6891% | 966 |
| Loan loss allowance to noncurrent loans | 446.0705% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.6333% | 2,416 |
| Noncurrent loans to loans | 0.3787% | 3,428 |
| Net loans and leases to total assets | 59.3097% | 3,816 |
| Net loans and leases to deposits | 67.3841% | 3,992 |
| Net loans and leases to core deposits | 71.8529% | 3,975 |
| Total domestic deposits to total assets | 88.0173% | 1,608 |
| Equity capital to assets | 10.8609% | 2,713 |
| Core capital (leverage) ratio | 11.3870% | 2,097 |
| Tier 1 risk-based capital ratio | 17.7368% | 1,913 |
| Total risk-based capital ratio | 18.9910% | 1,855 |
| Memoranda: | ||
| Average total assets | $163,006,000 | 3,324 |
| Average earning assets | $149,476,000 | 3,336 |
| Average equity | $17,670,000 | 3,399 |
| Average total loans | $96,057,500 | 3,425 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6316% | 218 |
| Cost of funding earning assets | 0.5426% | 2,009 |
| Net interest margin | 5.0889% | 200 |
| Noninterest income to average assets | 0.6272% | 2,320 |
| Noninterest expense to average assets | 3.1216% | 1,794 |
| Loan and lease loss provision to assets | 0.0631% | 2,968 |
| Net operating income to assets | 2.1040% | 230 |
| Return on assets (ROA) | 2.1340% | 225 |
| Pretax return on assets | 2.1340% | 365 |
| Return on Equity (ROE) | 19.1102% | 233 |
| Retained earnings to average equity (ytd only) | 7.4576% | 936 |
| Net charge-offs to loans | -0.1047% | 5,383 |
| Credit loss provision to net charge-offs | -100.0000% | 4,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0233% | 4,410 |
| Assets per employee ($millions) | 3.9164% | 4,099 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7176% | 912 |
| Loan loss allowance to noncurrent loans | 475.4386% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.6055% | 2,529 |
| Noncurrent loans to loans | 0.3613% | 3,476 |
| Net loans and leases to total assets | 56.5656% | 4,138 |
| Net loans and leases to deposits | 64.1574% | 4,309 |
| Net loans and leases to core deposits | 65.1188% | 4,469 |
| Total domestic deposits to total assets | 88.1668% | 1,402 |
| Equity capital to assets | 10.8197% | 2,817 |
| Core capital (leverage) ratio | 11.4879% | 1,948 |
| Tier 1 risk-based capital ratio | 18.0598% | 1,788 |
| Total risk-based capital ratio | 19.3147% | 1,734 |
| Memoranda: | ||
| Average total assets | $153,705,400 | 3,424 |
| Average earning assets | $140,796,000 | 3,439 |
| Average equity | $17,163,600 | 3,469 |
| Average total loans | $92,670,000 | 3,476 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6811% | 203 |
| Cost of funding earning assets | 0.5149% | 2,151 |
| Net interest margin | 5.1662% | 173 |
| Noninterest income to average assets | 0.6022% | 2,476 |
| Noninterest expense to average assets | 3.1962% | 1,569 |
| Loan and lease loss provision to assets | 0.0459% | 3,182 |
| Net operating income to assets | 2.0908% | 269 |
| Return on assets (ROA) | 2.1296% | 253 |
| Pretax return on assets | 2.1296% | 426 |
| Return on Equity (ROE) | 18.9113% | 286 |
| Retained earnings to average equity (ytd only) | 7.1506% | 1,613 |
| Net charge-offs to loans | -0.1374% | 5,456 |
| Credit loss provision to net charge-offs | -54.7368% | 4,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9338% | 4,228 |
| Assets per employee ($millions) | 3.6065% | 4,578 |
| Cash dividends to net income (ytd only)* | 62.1890% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6754% | 1,076 |
| Loan loss allowance to noncurrent loans | 499.6835% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.7592% | 2,231 |
| Noncurrent loans to loans | 0.3353% | 3,750 |
| Net loans and leases to total assets | 61.1762% | 3,753 |
| Net loans and leases to deposits | 70.1107% | 3,953 |
| Net loans and leases to core deposits | 73.8863% | 3,982 |
| Total domestic deposits to total assets | 87.2566% | 1,748 |
| Equity capital to assets | 11.6601% | 2,223 |
| Core capital (leverage) ratio | 11.7510% | 1,849 |
| Tier 1 risk-based capital ratio | 17.8845% | 1,883 |
| Total risk-based capital ratio | 19.1390% | 1,838 |
| Memoranda: | ||
| Average total assets | $151,010,000 | 3,487 |
| Average earning assets | $138,280,000 | 3,505 |
| Average equity | $17,005,250 | 3,522 |
| Average total loans | $92,170,250 | 3,522 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6915% | 189 |
| Cost of funding earning assets | 0.5127% | 2,075 |
| Net interest margin | 5.1789% | 168 |
| Noninterest income to average assets | 0.6059% | 2,430 |
| Noninterest expense to average assets | 3.2481% | 1,481 |
| Loan and lease loss provision to assets | 0.0398% | 3,213 |
| Net operating income to assets | 2.0457% | 282 |
| Return on assets (ROA) | 2.1040% | 260 |
| Pretax return on assets | 2.1040% | 441 |
| Return on Equity (ROE) | 18.9082% | 266 |
| Retained earnings to average equity (ytd only) | 6.9938% | 1,591 |
| Net charge-offs to loans | -0.1662% | 5,547 |
| Credit loss provision to net charge-offs | -39.4737% | 4,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8998% | 4,178 |
| Assets per employee ($millions) | 3.5630% | 4,629 |
| Cash dividends to net income (ytd only)* | 63.0120% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6506% | 1,154 |
| Loan loss allowance to noncurrent loans | 660.0858% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.7725% | 2,275 |
| Noncurrent loans to loans | 0.2501% | 4,137 |
| Net loans and leases to total assets | 61.2357% | 3,716 |
| Net loans and leases to deposits | 70.0543% | 3,911 |
| Net loans and leases to core deposits | 77.4513% | 3,641 |
| Total domestic deposits to total assets | 87.4118% | 1,759 |
| Equity capital to assets | 11.6480% | 2,190 |
| Core capital (leverage) ratio | 11.4344% | 2,017 |
| Tier 1 risk-based capital ratio | 17.7967% | 1,923 |
| Total risk-based capital ratio | 19.0480% | 1,879 |
| Memoranda: | ||
| Average total assets | $150,855,330 | 3,511 |
| Average earning assets | $137,713,670 | 3,525 |
| Average equity | $16,786,330 | 3,557 |
| Average total loans | $91,478,670 | 3,549 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5288% | 217 |
| Cost of funding earning assets | 0.5105% | 2,002 |
| Net interest margin | 5.0183% | 221 |
| Noninterest income to average assets | 0.5467% | 2,678 |
| Noninterest expense to average assets | 3.1797% | 1,667 |
| Loan and lease loss provision to assets | 0.0792% | 2,224 |
| Net operating income to assets | 1.8566% | 402 |
| Return on assets (ROA) | 1.9728% | 333 |
| Pretax return on assets | 1.9728% | 534 |
| Return on Equity (ROE) | 18.1487% | 330 |
| Retained earnings to average equity (ytd only) | 6.0010% | 2,339 |
| Net charge-offs to loans | 0.0221% | 2,331 |
| Credit loss provision to net charge-offs | 600.0000% | 507 |
| Earnings coverage of net charge-offs (x) | 146.6000% | 372 |
| Efficiency ratio | 62.1580% | 4,127 |
| Assets per employee ($millions) | 3.3976% | 4,930 |
| Cash dividends to net income (ytd only)* | 66.9344% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5811% | 1,429 |
| Loan loss allowance to noncurrent loans | 800.5495% | 708 |
| Noncurrent assets plus other real estate owned to assets | 1.2159% | 1,440 |
| Noncurrent loans to loans | 0.1975% | 4,411 |
| Net loans and leases to total assets | 59.3181% | 3,854 |
| Net loans and leases to deposits | 67.1832% | 4,072 |
| Net loans and leases to core deposits | 70.5994% | 4,102 |
| Total domestic deposits to total assets | 88.2930% | 1,536 |
| Equity capital to assets | 10.8875% | 2,758 |
| Core capital (leverage) ratio | 11.3167% | 2,093 |
| Tier 1 risk-based capital ratio | 17.6677% | 1,988 |
| Total risk-based capital ratio | 18.9214% | 1,936 |
| Memoranda: | ||
| Average total assets | $151,459,000 | 3,538 |
| Average earning assets | $137,896,500 | 3,557 |
| Average equity | $16,464,000 | 3,607 |
| Average total loans | $90,630,000 | 3,587 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9790% | 130 |
| Cost of funding earning assets | 0.5860% | 1,448 |
| Net interest margin | 5.3931% | 130 |
| Noninterest income to average assets | 1.5806% | 493 |
| Noninterest expense to average assets | 3.7346% | 840 |
| Loan and lease loss provision to assets | 0.0315% | 3,726 |
| Net operating income to assets | 2.5949% | 130 |
| Return on assets (ROA) | 2.6026% | 131 |
| Pretax return on assets | 2.6026% | 174 |
| Return on Equity (ROE) | 23.4973% | 107 |
| Retained earnings to average equity (ytd only) | 12.7391% | 182 |
| Net charge-offs to loans | -0.1390% | 5,663 |
| Credit loss provision to net charge-offs | -36.0000% | 4,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7107% | 4,759 |
| Assets per employee ($millions) | 3.3339% | 4,994 |
| Cash dividends to net income (ytd only)* | 45.7851% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6059% | 1,358 |
| Loan loss allowance to noncurrent loans | 238.8982% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 1.5304% | 1,070 |
| Noncurrent loans to loans | 0.6722% | 2,853 |
| Net loans and leases to total assets | 58.4428% | 4,026 |
| Net loans and leases to deposits | 67.7123% | 4,105 |
| Net loans and leases to core deposits | 70.8760% | 4,160 |
| Total domestic deposits to total assets | 86.3105% | 2,456 |
| Equity capital to assets | 10.8527% | 2,760 |
| Core capital (leverage) ratio | 11.4481% | 1,970 |
| Tier 1 risk-based capital ratio | 17.6642% | 1,959 |
| Total risk-based capital ratio | 18.9170% | 1,919 |
| Memoranda: | ||
| Average total assets | $142,665,800 | 3,628 |
| Average earning assets | $126,458,400 | 3,716 |
| Average equity | $15,801,800 | 3,718 |
| Average total loans | $89,907,800 | 3,580 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1250% | 107 |
| Cost of funding earning assets | 0.5995% | 1,337 |
| Net interest margin | 5.5255% | 106 |
| Noninterest income to average assets | 1.2261% | 770 |
| Noninterest expense to average assets | 3.6100% | 984 |
| Loan and lease loss provision to assets | 0.0426% | 3,378 |
| Net operating income to assets | 2.4342% | 173 |
| Return on assets (ROA) | 2.4285% | 183 |
| Pretax return on assets | 2.4285% | 248 |
| Return on Equity (ROE) | 21.8082% | 164 |
| Retained earnings to average equity (ytd only) | 10.7553% | 451 |
| Net charge-offs to loans | -0.0725% | 5,479 |
| Credit loss provision to net charge-offs | -91.8367% | 4,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3094% | 4,647 |
| Assets per employee ($millions) | 3.2545% | 5,103 |
| Cash dividends to net income (ytd only)* | 50.6823% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5469% | 1,617 |
| Loan loss allowance to noncurrent loans | 501.8519% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 2.0867% | 735 |
| Noncurrent loans to loans | 0.3082% | 4,146 |
| Net loans and leases to total assets | 60.2244% | 3,846 |
| Net loans and leases to deposits | 70.2862% | 3,963 |
| Net loans and leases to core deposits | 73.4324% | 4,046 |
| Total domestic deposits to total assets | 85.6847% | 2,520 |
| Equity capital to assets | 11.5520% | 2,469 |
| Core capital (leverage) ratio | 11.2438% | 2,239 |
| Tier 1 risk-based capital ratio | 17.5568% | 2,054 |
| Total risk-based capital ratio | 18.8099% | 2,018 |
| Memoranda: | ||
| Average total assets | $140,825,500 | 3,680 |
| Average earning assets | $123,882,500 | 3,779 |
| Average equity | $15,681,750 | 3,761 |
| Average total loans | $90,107,000 | 3,590 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2644% | 92 |
| Cost of funding earning assets | 0.6102% | 1,247 |
| Net interest margin | 5.6542% | 95 |
| Noninterest income to average assets | 0.6270% | 2,478 |
| Noninterest expense to average assets | 3.2463% | 1,699 |
| Loan and lease loss provision to assets | 0.0643% | 2,857 |
| Net operating income to assets | 2.2266% | 219 |
| Return on assets (ROA) | 2.2323% | 228 |
| Pretax return on assets | 2.2323% | 354 |
| Return on Equity (ROE) | 20.3053% | 230 |
| Retained earnings to average equity (ytd only) | 9.9123% | 618 |
| Net charge-offs to loans | -0.0990% | 5,610 |
| Credit loss provision to net charge-offs | -100.0000% | 4,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6278% | 4,822 |
| Assets per employee ($millions) | 3.0386% | 5,382 |
| Cash dividends to net income (ytd only)* | 51.1836% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4861% | 1,913 |
| Loan loss allowance to noncurrent loans | 419.5652% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 2.7587% | 464 |
| Noncurrent loans to loans | 0.3542% | 4,101 |
| Net loans and leases to total assets | 64.0711% | 3,349 |
| Net loans and leases to deposits | 74.4755% | 3,532 |
| Net loans and leases to core deposits | 77.9242% | 3,647 |
| Total domestic deposits to total assets | 86.0298% | 2,407 |
| Equity capital to assets | 11.4977% | 2,556 |
| Core capital (leverage) ratio | 10.8975% | 2,530 |
| Tier 1 risk-based capital ratio | 16.2009% | 2,545 |
| Total risk-based capital ratio | 17.4528% | 2,494 |
| Memoranda: | ||
| Average total assets | $140,035,330 | 3,719 |
| Average earning assets | $121,607,670 | 3,849 |
| Average equity | $15,395,000 | 3,812 |
| Average total loans | $90,944,670 | 3,589 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1895% | 99 |
| Cost of funding earning assets | 0.6123% | 1,254 |
| Net interest margin | 5.5772% | 103 |
| Noninterest income to average assets | 0.6079% | 2,480 |
| Noninterest expense to average assets | 3.2619% | 1,687 |
| Loan and lease loss provision to assets | 0.1284% | 1,659 |
| Net operating income to assets | 2.0005% | 333 |
| Return on assets (ROA) | 2.0005% | 349 |
| Pretax return on assets | 2.0005% | 569 |
| Return on Equity (ROE) | 18.6226% | 319 |
| Retained earnings to average equity (ytd only) | 7.9963% | 1,457 |
| Net charge-offs to loans | -0.3166% | 5,945 |
| Credit loss provision to net charge-offs | -62.5000% | 4,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5082% | 4,678 |
| Assets per employee ($millions) | 3.2103% | 5,264 |
| Cash dividends to net income (ytd only)* | 57.0613% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5118% | 1,931 |
| Loan loss allowance to noncurrent loans | 116.4835% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 2.9776% | 423 |
| Noncurrent loans to loans | 1.2979% | 1,859 |
| Net loans and leases to total assets | 63.5517% | 3,311 |
| Net loans and leases to deposits | 73.3697% | 3,516 |
| Net loans and leases to core deposits | 76.2132% | 3,662 |
| Total domestic deposits to total assets | 86.6185% | 2,401 |
| Equity capital to assets | 10.9355% | 3,015 |
| Core capital (leverage) ratio | 10.7686% | 2,653 |
| Tier 1 risk-based capital ratio | 15.9208% | 2,719 |
| Total risk-based capital ratio | 17.1732% | 2,659 |
| Memoranda: | ||
| Average total assets | $140,165,000 | 3,739 |
| Average earning assets | $120,203,000 | 3,903 |
| Average equity | $15,057,000 | 3,861 |
| Average total loans | $90,963,500 | 3,604 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2825% | 96 |
| Cost of funding earning assets | 0.6110% | 1,305 |
| Net interest margin | 5.6716% | 99 |
| Noninterest income to average assets | 0.6077% | 2,681 |
| Noninterest expense to average assets | 3.5055% | 1,283 |
| Loan and lease loss provision to assets | 0.1085% | 2,180 |
| Net operating income to assets | 1.9750% | 361 |
| Return on assets (ROA) | 1.9630% | 377 |
| Pretax return on assets | 1.9630% | 582 |
| Return on Equity (ROE) | 18.5633% | 350 |
| Retained earnings to average equity (ytd only) | 8.7120% | 726 |
| Net charge-offs to loans | 0.4327% | 644 |
| Credit loss provision to net charge-offs | 38.2586% | 3,551 |
| Earnings coverage of net charge-offs (x) | 7.3456% | 3,093 |
| Efficiency ratio | 62.7209% | 4,492 |
| Assets per employee ($millions) | 3.1608% | 5,334 |
| Cash dividends to net income (ytd only)* | 53.0690% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3891% | 2,481 |
| Loan loss allowance to noncurrent loans | 332.7177% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 2.4361% | 643 |
| Noncurrent loans to loans | 0.4175% | 3,955 |
| Net loans and leases to total assets | 64.3667% | 3,220 |
| Net loans and leases to deposits | 73.8872% | 3,507 |
| Net loans and leases to core deposits | 77.1182% | 3,656 |
| Total domestic deposits to total assets | 87.1149% | 2,065 |
| Equity capital to assets | 10.5461% | 3,305 |
| Core capital (leverage) ratio | 10.9914% | 2,414 |
| Tier 1 risk-based capital ratio | 15.7256% | 2,813 |
| Total risk-based capital ratio | 16.9773% | 2,752 |
| Memoranda: | ||
| Average total assets | $133,619,400 | 3,819 |
| Average earning assets | $117,357,200 | 3,941 |
| Average equity | $14,130,000 | 3,948 |
| Average total loans | $87,595,200 | 3,639 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2107% | 106 |
| Cost of funding earning assets | 0.6049% | 1,378 |
| Net interest margin | 5.6059% | 105 |
| Noninterest income to average assets | 0.5908% | 2,799 |
| Noninterest expense to average assets | 3.5546% | 1,190 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.0626% | 326 |
| Return on assets (ROA) | 2.0465% | 351 |
| Pretax return on assets | 2.0465% | 545 |
| Return on Equity (ROE) | 19.3387% | 315 |
| Retained earnings to average equity (ytd only) | 9.8408% | 663 |
| Net charge-offs to loans | -0.0107% | 5,007 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2807% | 4,365 |
| Assets per employee ($millions) | 3.0651% | 5,472 |
| Cash dividends to net income (ytd only)* | 49.1133% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6959% | 1,477 |
| Loan loss allowance to noncurrent loans | 751.0000% | 724 |
| Noncurrent assets plus other real estate owned to assets | 2.5941% | 645 |
| Noncurrent loans to loans | 0.2258% | 4,754 |
| Net loans and leases to total assets | 66.0569% | 3,004 |
| Net loans and leases to deposits | 76.3858% | 3,259 |
| Net loans and leases to core deposits | 79.4914% | 3,463 |
| Total domestic deposits to total assets | 86.4780% | 2,294 |
| Equity capital to assets | 11.0144% | 3,013 |
| Core capital (leverage) ratio | 10.9434% | 2,553 |
| Tier 1 risk-based capital ratio | 15.6573% | 2,971 |
| Total risk-based capital ratio | 16.9120% | 2,904 |
| Memoranda: | ||
| Average total assets | $132,255,500 | 3,889 |
| Average earning assets | $118,587,250 | 3,944 |
| Average equity | $13,995,750 | 4,021 |
| Average total loans | $86,799,250 | 3,701 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0460% | 125 |
| Cost of funding earning assets | 0.6039% | 1,384 |
| Net interest margin | 5.4421% | 132 |
| Noninterest income to average assets | 0.5679% | 2,921 |
| Noninterest expense to average assets | 3.4545% | 1,372 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.9999% | 363 |
| Return on assets (ROA) | 1.9923% | 382 |
| Pretax return on assets | 1.9923% | 604 |
| Return on Equity (ROE) | 19.0855% | 330 |
| Retained earnings to average equity (ytd only) | 10.4471% | 591 |
| Net charge-offs to loans | 0.0209% | 3,259 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 147.1111% | 434 |
| Efficiency ratio | 63.3343% | 4,460 |
| Assets per employee ($millions) | 3.0302% | 5,558 |
| Cash dividends to net income (ytd only)* | 45.2616% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6835% | 1,643 |
| Loan loss allowance to noncurrent loans | 1,456.8627% | 396 |
| Noncurrent assets plus other real estate owned to assets | 2.4886% | 763 |
| Noncurrent loans to loans | 0.1156% | 5,298 |
| Net loans and leases to total assets | 65.0914% | 3,109 |
| Net loans and leases to deposits | 74.7599% | 3,404 |
| Net loans and leases to core deposits | 77.5496% | 3,624 |
| Total domestic deposits to total assets | 87.0672% | 2,132 |
| Equity capital to assets | 10.5852% | 3,349 |
| Core capital (leverage) ratio | 10.5543% | 2,891 |
| Tier 1 risk-based capital ratio | 15.1917% | 3,254 |
| Total risk-based capital ratio | 16.4457% | 3,186 |
| Memoranda: | ||
| Average total assets | $132,407,330 | 3,917 |
| Average earning assets | $118,888,670 | 3,968 |
| Average equity | $13,822,000 | 4,077 |
| Average total loans | $86,210,670 | 3,725 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9666% | 133 |
| Cost of funding earning assets | 0.6086% | 1,375 |
| Net interest margin | 5.3581% | 142 |
| Noninterest income to average assets | 0.4608% | 3,571 |
| Noninterest expense to average assets | 3.3498% | 1,601 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.8886% | 411 |
| Return on assets (ROA) | 1.8735% | 450 |
| Pretax return on assets | 1.8735% | 752 |
| Return on Equity (ROE) | 18.0748% | 380 |
| Retained earnings to average equity (ytd only) | 10.8507% | 744 |
| Net charge-offs to loans | 0.0188% | 2,783 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 155.7500% | 345 |
| Efficiency ratio | 63.9468% | 4,495 |
| Assets per employee ($millions) | 3.0458% | 5,611 |
| Cash dividends to net income (ytd only)* | 39.9676% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7401% | 1,639 |
| Loan loss allowance to noncurrent loans | 656.8282% | 788 |
| Noncurrent assets plus other real estate owned to assets | 2.5557% | 833 |
| Noncurrent loans to loans | 0.2649% | 4,830 |
| Net loans and leases to total assets | 62.8260% | 3,258 |
| Net loans and leases to deposits | 71.9419% | 3,538 |
| Net loans and leases to core deposits | 74.6171% | 3,727 |
| Total domestic deposits to total assets | 87.3288% | 2,199 |
| Equity capital to assets | 10.3617% | 3,701 |
| Core capital (leverage) ratio | 10.4160% | 3,081 |
| Tier 1 risk-based capital ratio | 15.4517% | 3,172 |
| Total risk-based capital ratio | 16.7069% | 3,107 |
| Memoranda: | ||
| Average total assets | $131,947,000 | 3,956 |
| Average earning assets | $117,654,500 | 4,027 |
| Average equity | $13,676,500 | 4,127 |
| Average total loans | $85,180,500 | 3,768 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2200% | 119 |
| Cost of funding earning assets | 0.6312% | 1,544 |
| Net interest margin | 5.5887% | 115 |
| Noninterest income to average assets | 0.2152% | 5,569 |
| Noninterest expense to average assets | 3.3417% | 1,820 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.7987% | 478 |
| Return on assets (ROA) | 1.6222% | 711 |
| Pretax return on assets | 1.6222% | 1,172 |
| Return on Equity (ROE) | 16.3056% | 584 |
| Retained earnings to average equity (ytd only) | 12.0104% | 299 |
| Net charge-offs to loans | 0.3154% | 1,398 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 8.8101% | 2,828 |
| Efficiency ratio | 65.0092% | 4,401 |
| Assets per employee ($millions) | 3.0205% | 5,671 |
| Cash dividends to net income (ytd only)* | 26.3415% | 3,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7656% | 1,611 |
| Loan loss allowance to noncurrent loans | 385.3093% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 2.8726% | 738 |
| Noncurrent loans to loans | 0.4582% | 4,276 |
| Net loans and leases to total assets | 64.0432% | 3,219 |
| Net loans and leases to deposits | 73.3911% | 3,505 |
| Net loans and leases to core deposits | 76.2043% | 3,689 |
| Total domestic deposits to total assets | 87.2630% | 2,142 |
| Equity capital to assets | 10.3687% | 3,646 |
| Core capital (leverage) ratio | 10.7602% | 2,660 |
| Tier 1 risk-based capital ratio | 15.2803% | 3,325 |
| Total risk-based capital ratio | 16.5355% | 3,274 |
| Memoranda: | ||
| Average total assets | $126,371,600 | 4,051 |
| Average earning assets | $111,367,200 | 4,150 |
| Average equity | $12,572,400 | 4,265 |
| Average total loans | $81,802,600 | 3,824 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2261% | 120 |
| Cost of funding earning assets | 0.6440% | 1,496 |
| Net interest margin | 5.5822% | 124 |
| Noninterest income to average assets | 0.1031% | 6,241 |
| Noninterest expense to average assets | 3.3244% | 1,851 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6967% | 617 |
| Return on assets (ROA) | 1.6000% | 785 |
| Pretax return on assets | 1.6000% | 1,322 |
| Return on Equity (ROE) | 16.2604% | 647 |
| Retained earnings to average equity (ytd only) | 15.2886% | 190 |
| Net charge-offs to loans | 0.4259% | 932 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 6.1661% | 3,133 |
| Efficiency ratio | 66.2082% | 4,187 |
| Assets per employee ($millions) | 2.8634% | 5,896 |
| Cash dividends to net income (ytd only)* | 5.9762% | 3,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7999% | 1,693 |
| Loan loss allowance to noncurrent loans | 529.7872% | 925 |
| Noncurrent assets plus other real estate owned to assets | 3.1366% | 730 |
| Noncurrent loans to loans | 0.3397% | 4,881 |
| Net loans and leases to total assets | 66.1986% | 2,824 |
| Net loans and leases to deposits | 76.3436% | 3,143 |
| Net loans and leases to core deposits | 78.7999% | 3,459 |
| Total domestic deposits to total assets | 86.7114% | 2,473 |
| Equity capital to assets | 10.7376% | 3,250 |
| Core capital (leverage) ratio | 10.6296% | 2,888 |
| Tier 1 risk-based capital ratio | 15.5693% | 3,276 |
| Total risk-based capital ratio | 16.8255% | 3,211 |
| Memoranda: | ||
| Average total assets | $125,494,250 | 4,108 |
| Average earning assets | $110,563,750 | 4,204 |
| Average equity | $12,348,750 | 4,319 |
| Average total loans | $81,084,500 | 3,876 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1247% | 131 |
| Cost of funding earning assets | 0.6581% | 1,449 |
| Net interest margin | 5.4666% | 138 |
| Noninterest income to average assets | 0.1679% | 5,948 |
| Noninterest expense to average assets | 3.3148% | 1,883 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6550% | 635 |
| Return on assets (ROA) | 1.6550% | 668 |
| Pretax return on assets | 1.6550% | 1,127 |
| Return on Equity (ROE) | 17.3329% | 516 |
| Retained earnings to average equity (ytd only) | 16.3377% | 162 |
| Net charge-offs to loans | -0.2163% | 6,360 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6985% | 4,247 |
| Assets per employee ($millions) | 2.9680% | 5,797 |
| Cash dividends to net income (ytd only)* | 5.7416% | 3,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2614% | 941 |
| Loan loss allowance to noncurrent loans | 2,044.4444% | 283 |
| Noncurrent assets plus other real estate owned to assets | 3.0853% | 824 |
| Noncurrent loans to loans | 0.1106% | 5,684 |
| Net loans and leases to total assets | 63.7966% | 3,100 |
| Net loans and leases to deposits | 73.0854% | 3,443 |
| Net loans and leases to core deposits | 75.1405% | 3,721 |
| Total domestic deposits to total assets | 87.2904% | 2,302 |
| Equity capital to assets | 10.2050% | 3,822 |
| Core capital (leverage) ratio | 10.0330% | 3,566 |
| Tier 1 risk-based capital ratio | 15.0080% | 3,640 |
| Total risk-based capital ratio | 16.2689% | 3,574 |
| Memoranda: | ||
| Average total assets | $126,283,000 | 4,110 |
| Average earning assets | $110,927,330 | 4,220 |
| Average equity | $12,058,000 | 4,385 |
| Average total loans | $80,445,000 | 3,897 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9867% | 146 |
| Cost of funding earning assets | 0.6508% | 1,575 |
| Net interest margin | 5.3359% | 155 |
| Noninterest income to average assets | 0.0818% | 6,387 |
| Noninterest expense to average assets | 3.2762% | 2,001 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4760% | 856 |
| Return on assets (ROA) | 1.4760% | 883 |
| Pretax return on assets | 1.4760% | 1,506 |
| Return on Equity (ROE) | 15.9980% | 639 |
| Retained earnings to average equity (ytd only) | 14.9746% | 319 |
| Net charge-offs to loans | -0.2550% | 6,443 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9404% | 4,013 |
| Assets per employee ($millions) | 3.0574% | 5,762 |
| Cash dividends to net income (ytd only)* | 6.3966% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2319% | 1,117 |
| Loan loss allowance to noncurrent loans | 1,859.7938% | 308 |
| Noncurrent assets plus other real estate owned to assets | 3.8564% | 639 |
| Noncurrent loans to loans | 0.1200% | 5,758 |
| Net loans and leases to total assets | 61.5407% | 3,308 |
| Net loans and leases to deposits | 70.9865% | 3,480 |
| Net loans and leases to core deposits | 72.7603% | 3,786 |
| Total domestic deposits to total assets | 86.6935% | 2,999 |
| Equity capital to assets | 9.3310% | 4,724 |
| Core capital (leverage) ratio | 9.6594% | 4,048 |
| Tier 1 risk-based capital ratio | 14.1609% | 4,218 |
| Total risk-based capital ratio | 15.4206% | 4,158 |
| Memoranda: | ||
| Average total assets | $127,097,500 | 4,125 |
| Average earning assets | $111,246,000 | 4,240 |
| Average equity | $11,726,500 | 4,468 |
| Average total loans | $79,985,000 | 3,933 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1212% | 144 |
| Cost of funding earning assets | 0.7387% | 1,568 |
| Net interest margin | 5.3825% | 162 |
| Noninterest income to average assets | 0.3032% | 5,174 |
| Noninterest expense to average assets | 3.4340% | 1,808 |
| Loan and lease loss provision to assets | 0.6192% | 395 |
| Net operating income to assets | 0.9876% | 2,380 |
| Return on assets (ROA) | 0.9566% | 2,605 |
| Pretax return on assets | 0.9566% | 3,532 |
| Return on Equity (ROE) | 10.9332% | 1,787 |
| Retained earnings to average equity (ytd only) | 10.6604% | 473 |
| Net charge-offs to loans | 1.1517% | 469 |
| Credit loss provision to net charge-offs | 83.6559% | 2,935 |
| Earnings coverage of net charge-offs (x) | 2.1710% | 4,304 |
| Efficiency ratio | 68.1244% | 4,174 |
| Assets per employee ($millions) | 2.9252% | 5,950 |
| Cash dividends to net income (ytd only)* | 2.4958% | 4,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2150% | 1,158 |
| Loan loss allowance to noncurrent loans | 561.8590% | 866 |
| Noncurrent assets plus other real estate owned to assets | 4.2788% | 599 |
| Noncurrent loans to loans | 0.3942% | 5,026 |
| Net loans and leases to total assets | 61.5245% | 3,435 |
| Net loans and leases to deposits | 70.8896% | 3,667 |
| Net loans and leases to core deposits | 72.5483% | 4,002 |
| Total domestic deposits to total assets | 86.7893% | 2,834 |
| Equity capital to assets | 9.1196% | 4,903 |
| Core capital (leverage) ratio | 9.5054% | 4,255 |
| Tier 1 risk-based capital ratio | 13.8682% | 4,384 |
| Total risk-based capital ratio | 15.1276% | 4,323 |
| Memoranda: | ||
| Average total assets | $125,655,600 | 4,149 |
| Average earning assets | $110,598,400 | 4,245 |
| Average equity | $10,994,000 | 4,636 |
| Average total loans | $80,752,400 | 3,912 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0369% | 168 |
| Cost of funding earning assets | 0.7620% | 1,531 |
| Net interest margin | 5.2749% | 195 |
| Noninterest income to average assets | 0.4341% | 4,274 |
| Noninterest expense to average assets | 3.4812% | 1,652 |
| Loan and lease loss provision to assets | 0.8257% | 225 |
| Net operating income to assets | 0.7854% | 3,422 |
| Return on assets (ROA) | 0.7790% | 3,590 |
| Pretax return on assets | 0.7790% | 4,382 |
| Return on Equity (ROE) | 8.9992% | 2,633 |
| Retained earnings to average equity (ytd only) | 8.9992% | 1,056 |
| Net charge-offs to loans | 1.6741% | 255 |
| Credit loss provision to net charge-offs | 76.3494% | 2,936 |
| Earnings coverage of net charge-offs (x) | 1.4897% | 4,342 |
| Efficiency ratio | 68.3618% | 4,021 |
| Assets per employee ($millions) | 2.9282% | 5,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0984% | 1,504 |
| Loan loss allowance to noncurrent loans | 342.3868% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 5.1742% | 527 |
| Noncurrent loans to loans | 0.6129% | 4,670 |
| Net loans and leases to total assets | 61.6556% | 3,427 |
| Net loans and leases to deposits | 70.8641% | 3,657 |
| Net loans and leases to core deposits | 72.9332% | 3,978 |
| Total domestic deposits to total assets | 87.0054% | 2,691 |
| Equity capital to assets | 8.7965% | 5,425 |
| Core capital (leverage) ratio | 9.1944% | 4,839 |
| Tier 1 risk-based capital ratio | 13.4172% | 4,821 |
| Total risk-based capital ratio | 14.6763% | 4,756 |
| Memoranda: | ||
| Average total assets | $125,623,500 | 4,196 |
| Average earning assets | $110,938,000 | 4,281 |
| Average equity | $10,874,750 | 4,713 |
| Average total loans | $81,155,250 | 3,933 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9363% | 198 |
| Cost of funding earning assets | 0.7845% | 1,499 |
| Net interest margin | 5.1518% | 225 |
| Noninterest income to average assets | 0.4907% | 3,894 |
| Noninterest expense to average assets | 3.3985% | 1,823 |
| Loan and lease loss provision to assets | 1.0420% | 173 |
| Net operating income to assets | 0.6437% | 4,092 |
| Return on assets (ROA) | 0.5815% | 4,568 |
| Pretax return on assets | 0.5815% | 5,091 |
| Return on Equity (ROE) | 6.7545% | 3,741 |
| Retained earnings to average equity (ytd only) | 6.7545% | 2,001 |
| Net charge-offs to loans | 1.6729% | 294 |
| Credit loss provision to net charge-offs | 95.6140% | 2,324 |
| Earnings coverage of net charge-offs (x) | 1.5468% | 4,014 |
| Efficiency ratio | 66.8442% | 4,388 |
| Assets per employee ($millions) | 2.7954% | 6,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3393% | 1,195 |
| Loan loss allowance to noncurrent loans | 67.8856% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 5.7636% | 487 |
| Noncurrent loans to loans | 3.4459% | 1,239 |
| Net loans and leases to total assets | 63.6427% | 2,980 |
| Net loans and leases to deposits | 73.1440% | 3,271 |
| Net loans and leases to core deposits | 78.3407% | 3,245 |
| Total domestic deposits to total assets | 87.0101% | 2,816 |
| Equity capital to assets | 8.7995% | 5,446 |
| Core capital (leverage) ratio | 9.0361% | 4,926 |
| Tier 1 risk-based capital ratio | 13.4669% | 4,791 |
| Total risk-based capital ratio | 14.7302% | 4,739 |
| Memoranda: | ||
| Average total assets | $125,526,670 | 4,232 |
| Average earning assets | $111,922,330 | 4,292 |
| Average equity | $10,807,670 | 4,765 |
| Average total loans | $81,774,670 | 3,932 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8279% | 225 |
| Cost of funding earning assets | 0.8034% | 1,506 |
| Net interest margin | 5.0246% | 287 |
| Noninterest income to average assets | 0.3376% | 4,998 |
| Noninterest expense to average assets | 3.3945% | 1,846 |
| Loan and lease loss provision to assets | 1.0411% | 169 |
| Net operating income to assets | 0.4007% | 5,129 |
| Return on assets (ROA) | 0.4007% | 5,273 |
| Pretax return on assets | 0.4007% | 5,555 |
| Return on Equity (ROE) | 4.7037% | 4,735 |
| Retained earnings to average equity (ytd only) | 4.7037% | 3,412 |
| Net charge-offs to loans | 0.4069% | 1,438 |
| Credit loss provision to net charge-offs | 392.8571% | 647 |
| Earnings coverage of net charge-offs (x) | 5.4405% | 2,364 |
| Efficiency ratio | 70.1892% | 3,938 |
| Assets per employee ($millions) | 2.8938% | 6,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6178% | 993 |
| Loan loss allowance to noncurrent loans | 40.3868% | 5,590 |
| Noncurrent assets plus other real estate owned to assets | 6.5368% | 457 |
| Noncurrent loans to loans | 6.4819% | 495 |
| Net loans and leases to total assets | 64.3040% | 2,647 |
| Net loans and leases to deposits | 73.7733% | 2,948 |
| Net loans and leases to core deposits | 82.6936% | 2,491 |
| Total domestic deposits to total assets | 87.1643% | 2,855 |
| Equity capital to assets | 8.7195% | 5,791 |
| Core capital (leverage) ratio | 8.5660% | 5,486 |
| Tier 1 risk-based capital ratio | 13.1518% | 5,106 |
| Total risk-based capital ratio | 14.4187% | 5,045 |
| Memoranda: | ||
| Average total assets | $126,792,000 | 4,248 |
| Average earning assets | $113,522,500 | 4,298 |
| Average equity | $10,800,000 | 4,810 |
| Average total loans | $82,585,500 | 3,936 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0663% | 241 |
| Cost of funding earning assets | 0.9652% | 1,554 |
| Net interest margin | 5.1010% | 323 |
| Noninterest income to average assets | 0.6886% | 2,779 |
| Noninterest expense to average assets | 3.0113% | 3,230 |
| Loan and lease loss provision to assets | 1.8903% | 124 |
| Net operating income to assets | 0.3695% | 5,221 |
| Return on assets (ROA) | 0.4417% | 5,169 |
| Pretax return on assets | 0.4417% | 5,448 |
| Return on Equity (ROE) | 5.4496% | 4,452 |
| Retained earnings to average equity (ytd only) | 5.4496% | 2,418 |
| Net charge-offs to loans | 2.4447% | 254 |
| Credit loss provision to net charge-offs | 113.5198% | 2,561 |
| Earnings coverage of net charge-offs (x) | 1.3571% | 4,777 |
| Efficiency ratio | 57.1281% | 5,943 |
| Assets per employee ($millions) | 3.0750% | 5,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2951% | 1,384 |
| Loan loss allowance to noncurrent loans | 32.2827% | 5,970 |
| Noncurrent assets plus other real estate owned to assets | 6.2857% | 534 |
| Noncurrent loans to loans | 7.1093% | 447 |
| Net loans and leases to total assets | 62.7944% | 3,096 |
| Net loans and leases to deposits | 71.5866% | 3,483 |
| Net loans and leases to core deposits | 83.6184% | 2,590 |
| Total domestic deposits to total assets | 87.7182% | 2,400 |
| Equity capital to assets | 8.3237% | 6,180 |
| Core capital (leverage) ratio | 8.5677% | 5,512 |
| Tier 1 risk-based capital ratio | 12.8469% | 5,218 |
| Total risk-based capital ratio | 14.1099% | 5,150 |
| Memoranda: | ||
| Average total assets | $128,814,800 | 4,170 |
| Average earning assets | $115,722,200 | 4,217 |
| Average equity | $10,441,200 | 4,881 |
| Average total loans | $87,740,600 | 3,806 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1296% | 243 |
| Cost of funding earning assets | 0.9959% | 1,584 |
| Net interest margin | 5.1337% | 320 |
| Noninterest income to average assets | 0.6587% | 2,941 |
| Noninterest expense to average assets | 3.0026% | 3,220 |
| Loan and lease loss provision to assets | 1.8757% | 142 |
| Net operating income to assets | 0.3936% | 5,273 |
| Return on assets (ROA) | 0.5375% | 4,942 |
| Pretax return on assets | 0.5375% | 5,351 |
| Return on Equity (ROE) | 6.6768% | 3,976 |
| Retained earnings to average equity (ytd only) | 6.6768% | 2,292 |
| Net charge-offs to loans | 2.0256% | 355 |
| Credit loss provision to net charge-offs | 134.0489% | 2,149 |
| Earnings coverage of net charge-offs (x) | 1.6218% | 4,468 |
| Efficiency ratio | 56.9548% | 5,926 |
| Assets per employee ($millions) | 2.9167% | 6,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4109% | 1,341 |
| Loan loss allowance to noncurrent loans | 27.0994% | 6,256 |
| Noncurrent assets plus other real estate owned to assets | 7.7478% | 407 |
| Noncurrent loans to loans | 8.8964% | 314 |
| Net loans and leases to total assets | 66.9723% | 2,466 |
| Net loans and leases to deposits | 76.6641% | 2,886 |
| Net loans and leases to core deposits | 93.8837% | 1,593 |
| Total domestic deposits to total assets | 87.3581% | 2,459 |
| Equity capital to assets | 8.5093% | 6,251 |
| Core capital (leverage) ratio | 8.5517% | 5,687 |
| Tier 1 risk-based capital ratio | 12.3775% | 5,718 |
| Total risk-based capital ratio | 13.6419% | 5,681 |
| Memoranda: | ||
| Average total assets | $128,731,000 | 4,218 |
| Average earning assets | $115,676,250 | 4,255 |
| Average equity | $10,364,000 | 4,951 |
| Average total loans | $88,924,750 | 3,818 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1175% | 251 |
| Cost of funding earning assets | 1.0253% | 1,606 |
| Net interest margin | 5.0922% | 342 |
| Noninterest income to average assets | 0.7779% | 2,302 |
| Noninterest expense to average assets | 3.1455% | 2,762 |
| Loan and lease loss provision to assets | 2.0872% | 133 |
| Net operating income to assets | 0.1202% | 6,114 |
| Return on assets (ROA) | 0.3250% | 5,729 |
| Pretax return on assets | 0.3250% | 5,908 |
| Return on Equity (ROE) | 4.1125% | 5,215 |
| Retained earnings to average equity (ytd only) | 4.1125% | 3,869 |
| Net charge-offs to loans | 2.3187% | 318 |
| Credit loss provision to net charge-offs | 130.0384% | 2,116 |
| Earnings coverage of net charge-offs (x) | 1.3752% | 4,320 |
| Efficiency ratio | 58.7626% | 5,764 |
| Assets per employee ($millions) | 3.0056% | 6,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1742% | 1,832 |
| Loan loss allowance to noncurrent loans | 37.6269% | 5,777 |
| Noncurrent assets plus other real estate owned to assets | 5.1595% | 909 |
| Noncurrent loans to loans | 5.7782% | 784 |
| Net loans and leases to total assets | 68.7216% | 2,157 |
| Net loans and leases to deposits | 78.4578% | 2,605 |
| Net loans and leases to core deposits | 95.6176% | 1,466 |
| Total domestic deposits to total assets | 87.5905% | 2,406 |
| Equity capital to assets | 8.1919% | 6,460 |
| Core capital (leverage) ratio | 8.1033% | 6,160 |
| Tier 1 risk-based capital ratio | 11.7103% | 6,102 |
| Total risk-based capital ratio | 12.9715% | 6,077 |
| Memoranda: | ||
| Average total assets | $129,836,000 | 4,213 |
| Average earning assets | $116,649,670 | 4,249 |
| Average equity | $10,261,330 | 4,969 |
| Average total loans | $89,876,670 | 3,809 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9983% | 305 |
| Cost of funding earning assets | 1.0605% | 1,616 |
| Net interest margin | 4.9378% | 445 |
| Noninterest income to average assets | 0.6442% | 2,967 |
| Noninterest expense to average assets | 3.1845% | 2,654 |
| Loan and lease loss provision to assets | 1.8992% | 159 |
| Net operating income to assets | 0.0030% | 6,410 |
| Return on assets (ROA) | 0.0030% | 6,523 |
| Pretax return on assets | 0.0030% | 6,525 |
| Return on Equity (ROE) | 0.0391% | 6,518 |
| Retained earnings to average equity (ytd only) | 0.0391% | 5,963 |
| Net charge-offs to loans | 0.2785% | 2,555 |
| Credit loss provision to net charge-offs | 992.0635% | 355 |
| Earnings coverage of net charge-offs (x) | 9.9365% | 1,798 |
| Efficiency ratio | 62.6045% | 5,174 |
| Assets per employee ($millions) | 3.1227% | 5,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4317% | 1,459 |
| Loan loss allowance to noncurrent loans | 29.9244% | 6,181 |
| Noncurrent assets plus other real estate owned to assets | 6.6067% | 674 |
| Noncurrent loans to loans | 8.1262% | 473 |
| Net loans and leases to total assets | 66.5996% | 2,363 |
| Net loans and leases to deposits | 75.5272% | 2,882 |
| Net loans and leases to core deposits | 90.9013% | 1,762 |
| Total domestic deposits to total assets | 88.1795% | 2,197 |
| Equity capital to assets | 7.7878% | 6,637 |
| Core capital (leverage) ratio | 7.7602% | 6,442 |
| Tier 1 risk-based capital ratio | 11.4512% | 6,310 |
| Total risk-based capital ratio | 12.7158% | 6,284 |
| Memoranda: | ||
| Average total assets | $131,637,000 | 4,193 |
| Average earning assets | $118,433,500 | 4,238 |
| Average equity | $10,221,500 | 4,991 |
| Average total loans | $90,476,000 | 3,814 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2171% | 292 |
| Cost of funding earning assets | 1.3495% | 1,238 |
| Net interest margin | 4.8676% | 544 |
| Noninterest income to average assets | 0.1448% | 6,425 |
| Noninterest expense to average assets | 2.8943% | 3,980 |
| Loan and lease loss provision to assets | 2.1180% | 255 |
| Net operating income to assets | -0.4770% | 6,467 |
| Return on assets (ROA) | -0.4770% | 6,522 |
| Pretax return on assets | -0.4770% | 6,480 |
| Return on Equity (ROE) | -5.8945% | 6,574 |
| Retained earnings to average equity (ytd only) | -5.8945% | 6,499 |
| Net charge-offs to loans | 3.0487% | 311 |
| Credit loss provision to net charge-offs | 96.9115% | 3,719 |
| Earnings coverage of net charge-offs (x) | 0.7509% | 5,241 |
| Efficiency ratio | 63.8168% | 5,158 |
| Assets per employee ($millions) | 3.0027% | 6,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7664% | 2,977 |
| Loan loss allowance to noncurrent loans | 19.0808% | 6,641 |
| Noncurrent assets plus other real estate owned to assets | 7.5651% | 570 |
| Noncurrent loans to loans | 9.2577% | 371 |
| Net loans and leases to total assets | 67.9776% | 2,398 |
| Net loans and leases to deposits | 77.0403% | 2,993 |
| Net loans and leases to core deposits | 93.5473% | 1,749 |
| Total domestic deposits to total assets | 88.2365% | 2,008 |
| Equity capital to assets | 7.7422% | 6,713 |
| Core capital (leverage) ratio | 7.7873% | 6,452 |
| Tier 1 risk-based capital ratio | 11.1237% | 6,393 |
| Total risk-based capital ratio | 12.3806% | 6,363 |
| Memoranda: | ||
| Average total assets | $133,331,000 | 4,103 |
| Average earning assets | $120,265,400 | 4,126 |
| Average equity | $10,789,800 | 4,832 |
| Average total loans | $95,581,400 | 3,732 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2539% | 293 |
| Cost of funding earning assets | 1.4209% | 1,147 |
| Net interest margin | 4.8330% | 584 |
| Noninterest income to average assets | 0.2405% | 5,905 |
| Noninterest expense to average assets | 2.8605% | 4,103 |
| Loan and lease loss provision to assets | 1.5455% | 434 |
| Net operating income to assets | 0.1986% | 5,704 |
| Return on assets (ROA) | 0.1986% | 5,837 |
| Pretax return on assets | 0.1986% | 5,899 |
| Return on Equity (ROE) | 2.4275% | 5,644 |
| Retained earnings to average equity (ytd only) | 2.4275% | 4,909 |
| Net charge-offs to loans | 2.1085% | 582 |
| Credit loss provision to net charge-offs | 101.3743% | 3,306 |
| Earnings coverage of net charge-offs (x) | 1.1440% | 4,768 |
| Efficiency ratio | 62.1235% | 5,390 |
| Assets per employee ($millions) | 3.1791% | 5,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8145% | 2,888 |
| Loan loss allowance to noncurrent loans | 22.4185% | 6,607 |
| Noncurrent assets plus other real estate owned to assets | 7.2385% | 666 |
| Noncurrent loans to loans | 8.0936% | 539 |
| Net loans and leases to total assets | 71.6545% | 1,786 |
| Net loans and leases to deposits | 82.0238% | 2,352 |
| Net loans and leases to core deposits | 100.4031% | 1,208 |
| Total domestic deposits to total assets | 87.3582% | 2,437 |
| Equity capital to assets | 8.5174% | 6,280 |
| Core capital (leverage) ratio | 8.4072% | 5,840 |
| Tier 1 risk-based capital ratio | 11.6092% | 6,169 |
| Total risk-based capital ratio | 12.8668% | 6,155 |
| Memoranda: | ||
| Average total assets | $133,633,750 | 4,121 |
| Average earning assets | $120,668,250 | 4,136 |
| Average equity | $10,930,000 | 4,820 |
| Average total loans | $96,620,000 | 3,736 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4453% | 221 |
| Cost of funding earning assets | 1.4826% | 1,064 |
| Net interest margin | 4.9627% | 419 |
| Noninterest income to average assets | 0.3043% | 5,461 |
| Noninterest expense to average assets | 2.8487% | 4,235 |
| Loan and lease loss provision to assets | 1.7635% | 383 |
| Net operating income to assets | 0.1841% | 5,799 |
| Return on assets (ROA) | 0.1841% | 5,899 |
| Pretax return on assets | 0.1841% | 5,961 |
| Return on Equity (ROE) | 2.2809% | 5,686 |
| Retained earnings to average equity (ytd only) | 2.2809% | 4,837 |
| Net charge-offs to loans | 1.7793% | 794 |
| Credit loss provision to net charge-offs | 137.5000% | 2,223 |
| Earnings coverage of net charge-offs (x) | 1.5185% | 4,155 |
| Efficiency ratio | 59.3934% | 5,965 |
| Assets per employee ($millions) | 3.2289% | 5,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0958% | 2,131 |
| Loan loss allowance to noncurrent loans | 25.9695% | 6,478 |
| Noncurrent assets plus other real estate owned to assets | 7.4940% | 644 |
| Noncurrent loans to loans | 8.0703% | 561 |
| Net loans and leases to total assets | 71.5959% | 1,860 |
| Net loans and leases to deposits | 81.6145% | 2,505 |
| Net loans and leases to core deposits | 104.1411% | 1,035 |
| Total domestic deposits to total assets | 87.7245% | 2,329 |
| Equity capital to assets | 8.2237% | 6,500 |
| Core capital (leverage) ratio | 8.2073% | 6,018 |
| Tier 1 risk-based capital ratio | 11.3378% | 6,292 |
| Total risk-based capital ratio | 12.5984% | 6,277 |
| Memoranda: | ||
| Average total assets | $134,730,000 | 4,129 |
| Average earning assets | $121,949,670 | 4,147 |
| Average equity | $10,872,670 | 4,832 |
| Average total loans | $97,118,670 | 3,762 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2390% | 313 |
| Cost of funding earning assets | 1.5443% | 1,004 |
| Net interest margin | 4.6947% | 714 |
| Noninterest income to average assets | 0.0677% | 7,051 |
| Noninterest expense to average assets | 2.8432% | 4,289 |
| Loan and lease loss provision to assets | 1.7012% | 349 |
| Net operating income to assets | -0.2266% | 6,592 |
| Return on assets (ROA) | -0.2266% | 6,605 |
| Pretax return on assets | -0.2266% | 6,559 |
| Return on Equity (ROE) | -2.8347% | 6,648 |
| Retained earnings to average equity (ytd only) | -2.8347% | 6,267 |
| Net charge-offs to loans | 2.9649% | 367 |
| Credit loss provision to net charge-offs | 80.1664% | 3,157 |
| Earnings coverage of net charge-offs (x) | 0.6949% | 4,106 |
| Efficiency ratio | 65.8487% | 5,060 |
| Assets per employee ($millions) | 3.2628% | 5,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6272% | 3,622 |
| Loan loss allowance to noncurrent loans | 16.7381% | 6,875 |
| Noncurrent assets plus other real estate owned to assets | 8.4522% | 535 |
| Noncurrent loans to loans | 9.7212% | 424 |
| Net loans and leases to total assets | 70.5911% | 2,012 |
| Net loans and leases to deposits | 80.3393% | 2,651 |
| Net loans and leases to core deposits | 102.4508% | 1,165 |
| Total domestic deposits to total assets | 87.8663% | 2,451 |
| Equity capital to assets | 8.1225% | 6,370 |
| Core capital (leverage) ratio | 7.9000% | 6,364 |
| Tier 1 risk-based capital ratio | 11.3687% | 6,202 |
| Total risk-based capital ratio | 12.6235% | 6,184 |
| Memoranda: | ||
| Average total assets | $135,902,000 | 4,137 |
| Average earning assets | $123,033,500 | 4,162 |
| Average equity | $10,865,500 | 4,826 |
| Average total loans | $97,272,000 | 3,799 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6096% | 275 |
| Cost of funding earning assets | 1.9177% | 791 |
| Net interest margin | 4.6919% | 832 |
| Noninterest income to average assets | 0.6064% | 3,434 |
| Noninterest expense to average assets | 2.7261% | 4,872 |
| Loan and lease loss provision to assets | 2.3353% | 509 |
| Net operating income to assets | -0.1855% | 6,102 |
| Return on assets (ROA) | -0.1855% | 6,152 |
| Pretax return on assets | -0.1855% | 6,073 |
| Return on Equity (ROE) | -2.3492% | 6,214 |
| Retained earnings to average equity (ytd only) | -2.3492% | 6,022 |
| Net charge-offs to loans | 2.9338% | 574 |
| Credit loss provision to net charge-offs | 107.6741% | 4,118 |
| Earnings coverage of net charge-offs (x) | 0.9912% | 5,117 |
| Efficiency ratio | 55.9098% | 6,606 |
| Assets per employee ($millions) | 3.3665% | 5,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7301% | 3,103 |
| Loan loss allowance to noncurrent loans | 17.2327% | 6,907 |
| Noncurrent assets plus other real estate owned to assets | 8.3411% | 573 |
| Noncurrent loans to loans | 10.0398% | 422 |
| Net loans and leases to total assets | 70.1619% | 2,505 |
| Net loans and leases to deposits | 79.5268% | 3,253 |
| Net loans and leases to core deposits | 99.1705% | 1,685 |
| Total domestic deposits to total assets | 88.2241% | 2,109 |
| Equity capital to assets | 7.8716% | 6,619 |
| Core capital (leverage) ratio | 7.9903% | 6,216 |
| Tier 1 risk-based capital ratio | 11.1826% | 6,193 |
| Total risk-based capital ratio | 12.4396% | 6,167 |
| Memoranda: | ||
| Average total assets | $136,384,400 | 4,134 |
| Average earning assets | $124,108,200 | 4,152 |
| Average equity | $10,769,600 | 4,915 |
| Average total loans | $100,825,800 | 3,768 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5903% | 293 |
| Cost of funding earning assets | 1.9909% | 774 |
| Net interest margin | 4.5995% | 1,046 |
| Noninterest income to average assets | 0.5864% | 3,535 |
| Noninterest expense to average assets | 2.6877% | 4,935 |
| Loan and lease loss provision to assets | 2.5848% | 390 |
| Net operating income to assets | -0.4952% | 6,585 |
| Return on assets (ROA) | -0.4952% | 6,633 |
| Pretax return on assets | -0.4952% | 6,552 |
| Return on Equity (ROE) | -6.2659% | 6,741 |
| Retained earnings to average equity (ytd only) | -6.2659% | 6,662 |
| Net charge-offs to loans | 3.2624% | 439 |
| Credit loss provision to net charge-offs | 106.2475% | 4,021 |
| Earnings coverage of net charge-offs (x) | 0.8589% | 5,190 |
| Efficiency ratio | 56.2603% | 6,521 |
| Assets per employee ($millions) | 3.3046% | 5,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6644% | 3,277 |
| Loan loss allowance to noncurrent loans | 36.2889% | 5,915 |
| Noncurrent assets plus other real estate owned to assets | 4.5361% | 1,492 |
| Noncurrent loans to loans | 4.5866% | 1,560 |
| Net loans and leases to total assets | 71.2067% | 2,434 |
| Net loans and leases to deposits | 82.4281% | 3,028 |
| Net loans and leases to core deposits | 104.1429% | 1,472 |
| Total domestic deposits to total assets | 86.3864% | 2,861 |
| Equity capital to assets | 7.8906% | 6,873 |
| Core capital (leverage) ratio | 7.6532% | 6,719 |
| Tier 1 risk-based capital ratio | 10.8672% | 6,492 |
| Total risk-based capital ratio | 12.1221% | 6,464 |
| Memoranda: | ||
| Average total assets | $135,973,500 | 4,191 |
| Average earning assets | $123,895,500 | 4,201 |
| Average equity | $10,745,750 | 4,990 |
| Average total loans | $101,395,250 | 3,822 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6088% | 287 |
| Cost of funding earning assets | 2.0268% | 837 |
| Net interest margin | 4.5820% | 1,035 |
| Noninterest income to average assets | 0.4114% | 4,818 |
| Noninterest expense to average assets | 2.6738% | 5,017 |
| Loan and lease loss provision to assets | 2.2272% | 536 |
| Net operating income to assets | -0.3115% | 6,485 |
| Return on assets (ROA) | -0.3115% | 6,528 |
| Pretax return on assets | -0.3115% | 6,441 |
| Return on Equity (ROE) | -3.9391% | 6,612 |
| Retained earnings to average equity (ytd only) | -3.9391% | 6,429 |
| Net charge-offs to loans | 2.8842% | 565 |
| Credit loss provision to net charge-offs | 102.5710% | 3,974 |
| Earnings coverage of net charge-offs (x) | 0.8823% | 4,888 |
| Efficiency ratio | 58.2586% | 6,344 |
| Assets per employee ($millions) | 3.3406% | 5,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5055% | 3,899 |
| Loan loss allowance to noncurrent loans | 23.5990% | 6,756 |
| Noncurrent assets plus other real estate owned to assets | 5.4933% | 1,124 |
| Noncurrent loans to loans | 6.3793% | 955 |
| Net loans and leases to total assets | 72.4151% | 2,298 |
| Net loans and leases to deposits | 83.6615% | 2,937 |
| Net loans and leases to core deposits | 105.0355% | 1,531 |
| Total domestic deposits to total assets | 86.5572% | 2,787 |
| Equity capital to assets | 8.0144% | 6,747 |
| Core capital (leverage) ratio | 7.9161% | 6,366 |
| Tier 1 risk-based capital ratio | 11.0523% | 6,187 |
| Total risk-based capital ratio | 12.3063% | 6,166 |
| Memoranda: | ||
| Average total assets | $136,134,670 | 4,207 |
| Average earning assets | $124,136,670 | 4,225 |
| Average equity | $10,764,000 | 4,985 |
| Average total loans | $102,490,000 | 3,816 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5352% | 335 |
| Cost of funding earning assets | 2.0763% | 869 |
| Net interest margin | 4.4589% | 1,237 |
| Noninterest income to average assets | 0.6808% | 2,732 |
| Noninterest expense to average assets | 2.7616% | 4,644 |
| Loan and lease loss provision to assets | 1.1671% | 1,049 |
| Net operating income to assets | 0.8282% | 2,843 |
| Return on assets (ROA) | 0.8282% | 2,940 |
| Pretax return on assets | 0.8282% | 3,748 |
| Return on Equity (ROE) | 10.5466% | 1,924 |
| Retained earnings to average equity (ytd only) | 10.5466% | 1,023 |
| Net charge-offs to loans | 1.1491% | 1,464 |
| Credit loss provision to net charge-offs | 133.3333% | 2,648 |
| Earnings coverage of net charge-offs (x) | 2.2795% | 3,398 |
| Efficiency ratio | 58.0545% | 6,482 |
| Assets per employee ($millions) | 3.3253% | 5,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5285% | 3,757 |
| Loan loss allowance to noncurrent loans | 16.6070% | 7,164 |
| Noncurrent assets plus other real estate owned to assets | 8.0771% | 610 |
| Noncurrent loans to loans | 9.2039% | 514 |
| Net loans and leases to total assets | 74.5196% | 1,853 |
| Net loans and leases to deposits | 86.0627% | 2,576 |
| Net loans and leases to core deposits | 119.3588% | 805 |
| Total domestic deposits to total assets | 86.5875% | 2,852 |
| Equity capital to assets | 7.9333% | 6,725 |
| Core capital (leverage) ratio | 7.8177% | 6,474 |
| Tier 1 risk-based capital ratio | 10.5709% | 6,566 |
| Total risk-based capital ratio | 11.8249% | 6,558 |
| Memoranda: | ||
| Average total assets | $135,719,000 | 4,285 |
| Average earning assets | $124,066,500 | 4,284 |
| Average equity | $10,657,500 | 5,056 |
| Average total loans | $103,385,000 | 3,843 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7828% | 395 |
| Cost of funding earning assets | 2.5182% | 985 |
| Net interest margin | 4.2646% | 1,841 |
| Noninterest income to average assets | 0.3625% | 5,499 |
| Noninterest expense to average assets | 2.8283% | 4,844 |
| Loan and lease loss provision to assets | 2.5542% | 773 |
| Net operating income to assets | -1.1334% | 6,666 |
| Return on assets (ROA) | -1.1334% | 6,675 |
| Pretax return on assets | -1.1334% | 6,495 |
| Return on Equity (ROE) | -14.2476% | 6,891 |
| Retained earnings to average equity (ytd only) | -16.5817% | 6,965 |
| Net charge-offs to loans | 3.1802% | 646 |
| Credit loss provision to net charge-offs | 102.0778% | 5,418 |
| Earnings coverage of net charge-offs (x) | 0.5678% | 5,540 |
| Efficiency ratio | 66.5618% | 5,277 |
| Assets per employee ($millions) | 3.2952% | 5,501 |
| Cash dividends to net income (ytd only)* | -16.3827% | 7,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4267% | 4,091 |
| Loan loss allowance to noncurrent loans | 17.3882% | 7,168 |
| Noncurrent assets plus other real estate owned to assets | 7.4951% | 645 |
| Noncurrent loans to loans | 8.2049% | 601 |
| Net loans and leases to total assets | 75.5859% | 1,905 |
| Net loans and leases to deposits | 87.1522% | 2,708 |
| Net loans and leases to core deposits | 147.0720% | 586 |
| Total domestic deposits to total assets | 86.7285% | 2,639 |
| Equity capital to assets | 7.7712% | 6,796 |
| Core capital (leverage) ratio | 7.7965% | 6,458 |
| Tier 1 risk-based capital ratio | 10.1748% | 6,708 |
| Total risk-based capital ratio | 11.4276% | 6,675 |
| Memoranda: | ||
| Average total assets | $134,639,000 | 4,247 |
| Average earning assets | $122,707,400 | 4,246 |
| Average equity | $10,710,600 | 5,100 |
| Average total loans | $105,935,800 | 3,778 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9438% | 332 |
| Cost of funding earning assets | 2.6270% | 964 |
| Net interest margin | 4.3167% | 1,690 |
| Noninterest income to average assets | -0.2765% | 8,009 |
| Noninterest expense to average assets | 2.8495% | 4,674 |
| Loan and lease loss provision to assets | 2.4114% | 700 |
| Net operating income to assets | -1.6076% | 7,160 |
| Return on assets (ROA) | -1.6076% | 7,158 |
| Pretax return on assets | -1.6076% | 7,015 |
| Return on Equity (ROE) | -20.0921% | 7,372 |
| Retained earnings to average equity (ytd only) | -23.1889% | 7,439 |
| Net charge-offs to loans | 3.0766% | 525 |
| Credit loss provision to net charge-offs | 98.9829% | 5,169 |
| Earnings coverage of net charge-offs (x) | 0.3299% | 5,696 |
| Efficiency ratio | 77.9978% | 3,166 |
| Assets per employee ($millions) | 3.3277% | 5,312 |
| Cash dividends to net income (ytd only)* | -15.4133% | 7,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3110% | 4,428 |
| Loan loss allowance to noncurrent loans | 27.4732% | 6,628 |
| Noncurrent assets plus other real estate owned to assets | 4.9412% | 1,189 |
| Noncurrent loans to loans | 4.7721% | 1,424 |
| Net loans and leases to total assets | 78.2129% | 1,527 |
| Net loans and leases to deposits | 91.0702% | 2,383 |
| Net loans and leases to core deposits | 148.1346% | 625 |
| Total domestic deposits to total assets | 85.8819% | 2,760 |
| Equity capital to assets | 7.8389% | 7,000 |
| Core capital (leverage) ratio | 7.6719% | 6,766 |
| Tier 1 risk-based capital ratio | 10.0013% | 6,983 |
| Total risk-based capital ratio | 11.2519% | 6,932 |
| Memoranda: | ||
| Average total assets | $134,523,250 | 4,271 |
| Average earning assets | $122,466,750 | 4,292 |
| Average equity | $10,763,500 | 5,124 |
| Average total loans | $106,520,750 | 3,806 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9103% | 376 |
| Cost of funding earning assets | 2.6997% | 1,028 |
| Net interest margin | 4.2107% | 1,954 |
| Noninterest income to average assets | -0.3630% | 8,103 |
| Noninterest expense to average assets | 2.8786% | 4,585 |
| Loan and lease loss provision to assets | 1.7156% | 976 |
| Net operating income to assets | -1.1260% | 7,068 |
| Return on assets (ROA) | -1.1260% | 7,074 |
| Pretax return on assets | -1.1260% | 6,893 |
| Return on Equity (ROE) | -13.9792% | 7,280 |
| Retained earnings to average equity (ytd only) | -18.5776% | 7,409 |
| Net charge-offs to loans | 2.1204% | 868 |
| Credit loss provision to net charge-offs | 102.2065% | 4,478 |
| Earnings coverage of net charge-offs (x) | 0.3513% | 5,336 |
| Efficiency ratio | 82.9987% | 2,605 |
| Assets per employee ($millions) | 3.3475% | 5,195 |
| Cash dividends to net income (ytd only)* | -32.8947% | 7,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3169% | 4,182 |
| Loan loss allowance to noncurrent loans | 26.0545% | 6,768 |
| Noncurrent assets plus other real estate owned to assets | 5.3640% | 946 |
| Noncurrent loans to loans | 5.0545% | 1,206 |
| Net loans and leases to total assets | 78.2387% | 1,689 |
| Net loans and leases to deposits | 90.8407% | 2,685 |
| Net loans and leases to core deposits | 144.3759% | 823 |
| Total domestic deposits to total assets | 86.1273% | 2,724 |
| Equity capital to assets | 7.8063% | 6,970 |
| Core capital (leverage) ratio | 7.9953% | 6,341 |
| Tier 1 risk-based capital ratio | 9.9731% | 6,956 |
| Total risk-based capital ratio | 11.2240% | 6,886 |
| Memoranda: | ||
| Average total assets | $134,995,670 | 4,282 |
| Average earning assets | $122,830,670 | 4,294 |
| Average equity | $10,873,330 | 5,122 |
| Average total loans | $106,864,670 | 3,838 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9295% | 387 |
| Cost of funding earning assets | 2.8042% | 970 |
| Net interest margin | 4.1253% | 2,192 |
| Noninterest income to average assets | 0.7171% | 2,783 |
| Noninterest expense to average assets | 2.9163% | 4,102 |
| Loan and lease loss provision to assets | 3.2091% | 339 |
| Net operating income to assets | -1.6763% | 7,567 |
| Return on assets (ROA) | -1.6763% | 7,567 |
| Pretax return on assets | -1.6763% | 7,432 |
| Return on Equity (ROE) | -20.4875% | 7,764 |
| Retained earnings to average equity (ytd only) | -29.6175% | 7,853 |
| Net charge-offs to loans | 4.2799% | 275 |
| Credit loss provision to net charge-offs | 94.7926% | 3,898 |
| Earnings coverage of net charge-offs (x) | 0.4528% | 4,627 |
| Efficiency ratio | 65.5473% | 5,419 |
| Assets per employee ($millions) | 3.3356% | 5,231 |
| Cash dividends to net income (ytd only)* | -44.5633% | 8,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2805% | 4,194 |
| Loan loss allowance to noncurrent loans | 24.8893% | 6,910 |
| Noncurrent assets plus other real estate owned to assets | 5.5523% | 763 |
| Noncurrent loans to loans | 5.1447% | 1,047 |
| Net loans and leases to total assets | 77.9497% | 1,839 |
| Net loans and leases to deposits | 91.0509% | 2,767 |
| Net loans and leases to core deposits | 147.8330% | 783 |
| Total domestic deposits to total assets | 85.6111% | 2,915 |
| Equity capital to assets | 8.1951% | 6,543 |
| Core capital (leverage) ratio | 8.1345% | 6,218 |
| Tier 1 risk-based capital ratio | 10.1270% | 6,779 |
| Total risk-based capital ratio | 11.3776% | 6,696 |
| Memoranda: | ||
| Average total assets | $133,869,500 | 4,327 |
| Average earning assets | $121,106,000 | 4,355 |
| Average equity | $10,953,000 | 5,122 |
| Average total loans | $105,890,000 | 3,887 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5482% | 375 |
| Cost of funding earning assets | 3.5723% | 427 |
| Net interest margin | 3.9758% | 3,234 |
| Noninterest income to average assets | 0.6649% | 3,373 |
| Noninterest expense to average assets | 3.0105% | 4,051 |
| Loan and lease loss provision to assets | 0.3659% | 3,491 |
| Net operating income to assets | 0.8939% | 3,027 |
| Return on assets (ROA) | 0.8939% | 2,869 |
| Pretax return on assets | 0.8939% | 3,745 |
| Return on Equity (ROE) | 11.2129% | 1,842 |
| Retained earnings to average equity (ytd only) | 3.8100% | 2,763 |
| Net charge-offs to loans | 0.2161% | 4,048 |
| Credit loss provision to net charge-offs | 213.3028% | 2,264 |
| Earnings coverage of net charge-offs (x) | 7.3440% | 3,136 |
| Efficiency ratio | 70.4994% | 4,248 |
| Assets per employee ($millions) | 3.4440% | 4,814 |
| Cash dividends to net income (ytd only)* | 66.0211% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 3,635 |
| Loan loss allowance to noncurrent loans | 21.4405% | 7,168 |
| Noncurrent assets plus other real estate owned to assets | 6.5978% | 417 |
| Noncurrent loans to loans | 6.1703% | 559 |
| Net loans and leases to total assets | 78.1889% | 2,087 |
| Net loans and leases to deposits | 91.2710% | 3,246 |
| Net loans and leases to core deposits | 150.6714% | 830 |
| Total domestic deposits to total assets | 85.6667% | 2,553 |
| Equity capital to assets | 8.1687% | 6,601 |
| Core capital (leverage) ratio | 8.4167% | 5,721 |
| Tier 1 risk-based capital ratio | 9.5697% | 7,232 |
| Total risk-based capital ratio | 10.7907% | 7,178 |
| Memoranda: | ||
| Average total assets | $127,087,600 | 4,348 |
| Average earning assets | $115,246,400 | 4,377 |
| Average equity | $10,131,200 | 5,365 |
| Average total loans | $100,863,800 | 3,924 |