Home > Bank of Alapaha > Performance and Condition Ratios
Bank of Alapaha, 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 | 4.5827% | 2,932 |
| Cost of funding earning assets | 1.1014% | 3,067 |
| Net interest margin | 3.4813% | 2,230 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.5722% | 2,093 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.7776% | 2,947 |
| Return on assets (ROA) | 0.7776% | 2,926 |
| Pretax return on assets | 0.9766% | 2,734 |
| Return on Equity (ROE) | 13.2500% | 1,665 |
| Retained earnings to average equity (ytd only) | 8.7059% | 1,332 |
| Net charge-offs to loans | -0.0589% | 4,399 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.4162% | 1,718 |
| Assets per employee ($millions) | 5.1271% | 3,545 |
| Cash dividends to net income (ytd only)* | 34.2857% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5298% | 188 |
| Loan loss allowance to noncurrent loans | 1,001.3423% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.1340% | 2,629 |
| Noncurrent loans to loans | 0.2526% | 2,283 |
| Net loans and leases to total assets | 47.7100% | 3,739 |
| Net loans and leases to deposits | 51.1765% | 3,905 |
| Net loans and leases to core deposits | 55.6338% | 3,927 |
| Total domestic deposits to total assets | 93.2300% | 154 |
| Equity capital to assets | 6.0334% | 4,229 |
| Core capital (leverage) ratio | 10.1109% | 2,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9385% | 801 |
| Memoranda: | ||
| Average total assets | $225,061,800 | 2,814 |
| Average earning assets | $212,189,600 | 2,789 |
| Average equity | $13,209,400 | 3,408 |
| Average total loans | $120,539,400 | 2,948 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5781% | 2,729 |
| Cost of funding earning assets | 1.0215% | 2,976 |
| Net interest margin | 3.5566% | 2,098 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.6288% | 1,857 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.7038% | 3,321 |
| Return on assets (ROA) | 0.7038% | 3,296 |
| Pretax return on assets | 0.9450% | 2,991 |
| Return on Equity (ROE) | 12.0800% | 2,102 |
| Retained earnings to average equity (ytd only) | 5.8708% | 2,668 |
| Net charge-offs to loans | -0.0781% | 4,452 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.3726% | 1,526 |
| Assets per employee ($millions) | 4.6463% | 3,856 |
| Cash dividends to net income (ytd only)* | 51.4139% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4395% | 213 |
| Loan loss allowance to noncurrent loans | 2,028.7671% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 2,577 |
| Noncurrent loans to loans | 0.1202% | 2,964 |
| Net loans and leases to total assets | 54.2400% | 3,344 |
| Net loans and leases to deposits | 57.9284% | 3,610 |
| Net loans and leases to core deposits | 63.0780% | 3,573 |
| Total domestic deposits to total assets | 93.6400% | 220 |
| Equity capital to assets | 5.4063% | 4,165 |
| Core capital (leverage) ratio | 10.3190% | 2,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5688% | 874 |
| Memoranda: | ||
| Average total assets | $221,083,500 | 2,856 |
| Average earning assets | $208,058,750 | 2,826 |
| Average equity | $12,877,000 | 3,433 |
| Average total loans | $121,185,750 | 2,940 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5436% | 2,542 |
| Cost of funding earning assets | 0.8982% | 2,934 |
| Net interest margin | 3.6454% | 1,924 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.5308% | 2,117 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.7991% | 3,082 |
| Return on assets (ROA) | 0.7991% | 3,087 |
| Pretax return on assets | 1.1010% | 2,645 |
| Return on Equity (ROE) | 13.4000% | 1,819 |
| Retained earnings to average equity (ytd only) | 13.4049% | 757 |
| Net charge-offs to loans | -0.0149% | 4,042 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.2293% | 1,961 |
| Assets per employee ($millions) | 4.5925% | 3,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3735% | 249 |
| Loan loss allowance to noncurrent loans | 1,039.2086% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.1579% | 2,444 |
| Noncurrent loans to loans | 0.2284% | 2,348 |
| Net loans and leases to total assets | 53.9100% | 3,275 |
| Net loans and leases to deposits | 57.8776% | 3,543 |
| Net loans and leases to core deposits | 62.5775% | 3,515 |
| Total domestic deposits to total assets | 93.1400% | 233 |
| Equity capital to assets | 6.1813% | 4,104 |
| Core capital (leverage) ratio | 10.3231% | 2,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7484% | 851 |
| Memoranda: | ||
| Average total assets | $221,986,667 | 2,856 |
| Average earning assets | $209,083,667 | 2,831 |
| Average equity | $13,234,000 | 3,413 |
| Average total loans | $121,108,333 | 2,932 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5635% | 2,163 |
| Cost of funding earning assets | 0.7310% | 2,961 |
| Net interest margin | 3.8325% | 1,617 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.6504% | 1,807 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.8583% | 2,995 |
| Return on assets (ROA) | 0.8583% | 2,942 |
| Pretax return on assets | 1.1061% | 2,687 |
| Return on Equity (ROE) | 14.6600% | 1,632 |
| Retained earnings to average equity (ytd only) | 14.6648% | 850 |
| Net charge-offs to loans | -0.0331% | 4,246 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.8112% | 1,885 |
| Assets per employee ($millions) | 4.6979% | 3,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3981% | 245 |
| Loan loss allowance to noncurrent loans | 998.9510% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.1612% | 2,379 |
| Noncurrent loans to loans | 0.2401% | 2,302 |
| Net loans and leases to total assets | 52.6600% | 3,302 |
| Net loans and leases to deposits | 56.3659% | 3,550 |
| Net loans and leases to core deposits | 60.6696% | 3,509 |
| Total domestic deposits to total assets | 93.4300% | 242 |
| Equity capital to assets | 6.1317% | 4,158 |
| Core capital (leverage) ratio | 9.8778% | 2,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8602% | 867 |
| Memoranda: | ||
| Average total assets | $222,760,500 | 2,889 |
| Average earning assets | $209,575,500 | 2,862 |
| Average equity | $13,038,000 | 3,472 |
| Average total loans | $120,803,500 | 2,967 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6018% | 2,795 |
| Cost of funding earning assets | 0.2311% | 3,505 |
| Net interest margin | 3.3707% | 2,342 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.3478% | 2,589 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 0.7861% | 3,370 |
| Return on assets (ROA) | 0.7861% | 3,306 |
| Pretax return on assets | 1.0141% | 3,037 |
| Return on Equity (ROE) | 12.5700% | 1,943 |
| Retained earnings to average equity (ytd only) | 8.3916% | 1,682 |
| Net charge-offs to loans | -0.0877% | 4,490 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.1999% | 2,207 |
| Assets per employee ($millions) | 4.7812% | 3,831 |
| Cash dividends to net income (ytd only)* | 33.2613% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3344% | 250 |
| Loan loss allowance to noncurrent loans | 1,305.4795% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.1286% | 2,621 |
| Noncurrent loans to loans | 0.1788% | 2,592 |
| Net loans and leases to total assets | 53.2300% | 3,264 |
| Net loans and leases to deposits | 56.5609% | 3,539 |
| Net loans and leases to core deposits | 59.0549% | 3,551 |
| Total domestic deposits to total assets | 94.1100% | 226 |
| Equity capital to assets | 5.5790% | 4,217 |
| Core capital (leverage) ratio | 9.5219% | 3,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8116% | 1,010 |
| Memoranda: | ||
| Average total assets | $235,578,600 | 2,816 |
| Average earning assets | $223,275,200 | 2,787 |
| Average equity | $14,729,000 | 3,392 |
| Average total loans | $118,649,800 | 2,935 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3884% | 2,942 |
| Cost of funding earning assets | 0.2116% | 3,129 |
| Net interest margin | 3.1769% | 2,694 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.2722% | 2,715 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.8264% | 3,150 |
| Return on assets (ROA) | 0.8264% | 3,116 |
| Pretax return on assets | 0.9931% | 3,035 |
| Return on Equity (ROE) | 12.8900% | 1,736 |
| Retained earnings to average equity (ytd only) | 12.8905% | 631 |
| Net charge-offs to loans | -0.0566% | 4,340 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.8918% | 2,166 |
| Assets per employee ($millions) | 5.1916% | 3,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0597% | 450 |
| Loan loss allowance to noncurrent loans | 383.0882% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.3210% | 1,657 |
| Noncurrent loans to loans | 0.5377% | 1,462 |
| Net loans and leases to total assets | 53.0200% | 3,187 |
| Net loans and leases to deposits | 56.1253% | 3,468 |
| Net loans and leases to core deposits | 59.8243% | 3,397 |
| Total domestic deposits to total assets | 94.4700% | 296 |
| Equity capital to assets | 5.1420% | 4,255 |
| Core capital (leverage) ratio | 9.4468% | 3,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2511% | 1,130 |
| Memoranda: | ||
| Average total assets | $238,293,750 | 2,812 |
| Average earning assets | $226,255,000 | 2,783 |
| Average equity | $15,277,000 | 3,385 |
| Average total loans | $117,694,750 | 2,948 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1897% | 3,074 |
| Cost of funding earning assets | 0.1938% | 2,995 |
| Net interest margin | 2.9959% | 2,892 |
| Noninterest income to average assets | 0.4228% | 2,613 |
| Noninterest expense to average assets | 2.1980% | 2,865 |
| Loan and lease loss provision to assets | 0.1209% | 821 |
| Net operating income to assets | 0.7705% | 3,060 |
| Return on assets (ROA) | 0.7705% | 3,022 |
| Pretax return on assets | 0.9523% | 2,891 |
| Return on Equity (ROE) | 11.2924% | 1,892 |
| Retained earnings to average equity (ytd only) | 11.2924% | 743 |
| Net charge-offs to loans | -0.0976% | 4,436 |
| Credit loss provision to net charge-offs | -258.9286% | 3,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1935% | 2,355 |
| Assets per employee ($millions) | 4.9067% | 3,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0971% | 451 |
| Loan loss allowance to noncurrent loans | 4,943.1373% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0533% | 3,453 |
| Noncurrent loans to loans | 0.0424% | 3,627 |
| Net loans and leases to total assets | 51.0335% | 3,260 |
| Net loans and leases to deposits | 54.1548% | 3,526 |
| Net loans and leases to core deposits | 57.9333% | 3,425 |
| Total domestic deposits to total assets | 94.2363% | 248 |
| Equity capital to assets | 5.4111% | 4,392 |
| Core capital (leverage) ratio | 9.1424% | 3,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4228% | 1,094 |
| Memoranda: | ||
| Average total assets | $239,850,333 | 2,829 |
| Average earning assets | $228,045,333 | 2,806 |
| Average equity | $16,365,000 | 3,376 |
| Average total loans | $114,768,667 | 3,005 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9966% | 3,267 |
| Cost of funding earning assets | 0.2060% | 2,709 |
| Net interest margin | 2.7907% | 3,171 |
| Noninterest income to average assets | 0.2765% | 3,485 |
| Noninterest expense to average assets | 2.1254% | 3,062 |
| Loan and lease loss provision to assets | 0.0524% | 1,443 |
| Net operating income to assets | 0.5825% | 3,457 |
| Return on assets (ROA) | 0.5825% | 3,435 |
| Pretax return on assets | 0.7592% | 3,230 |
| Return on Equity (ROE) | 7.7780% | 2,769 |
| Retained earnings to average equity (ytd only) | 7.7780% | 1,647 |
| Net charge-offs to loans | -0.0071% | 3,467 |
| Credit loss provision to net charge-offs | -1,600.0000% | 3,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3677% | 1,928 |
| Assets per employee ($millions) | 5.6673% | 3,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1038% | 513 |
| Loan loss allowance to noncurrent loans | 823.0769% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.1494% | 2,753 |
| Noncurrent loans to loans | 0.2556% | 2,564 |
| Net loans and leases to total assets | 44.9486% | 3,665 |
| Net loans and leases to deposits | 48.3189% | 3,847 |
| Net loans and leases to core deposits | 51.2619% | 3,786 |
| Total domestic deposits to total assets | 93.0249% | 268 |
| Equity capital to assets | 6.7601% | 4,314 |
| Core capital (leverage) ratio | 8.4382% | 3,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5798% | 1,124 |
| Memoranda: | ||
| Average total assets | $244,467,000 | 2,816 |
| Average earning assets | $233,062,500 | 2,781 |
| Average equity | $18,308,000 | 3,297 |
| Average total loans | $112,046,500 | 3,032 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2815% | 3,266 |
| Cost of funding earning assets | 0.3998% | 1,546 |
| Net interest margin | 2.8817% | 3,488 |
| Noninterest income to average assets | 0.3064% | 3,572 |
| Noninterest expense to average assets | 2.1335% | 3,290 |
| Loan and lease loss provision to assets | 0.2379% | 411 |
| Net operating income to assets | 0.5398% | 3,999 |
| Return on assets (ROA) | 0.5430% | 4,046 |
| Pretax return on assets | 0.6827% | 3,965 |
| Return on Equity (ROE) | 6.1787% | 3,730 |
| Retained earnings to average equity (ytd only) | 4.6886% | 2,927 |
| Net charge-offs to loans | -0.0591% | 4,401 |
| Credit loss provision to net charge-offs | -813.4328% | 3,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9485% | 1,738 |
| Assets per employee ($millions) | 5.5736% | 3,192 |
| Cash dividends to net income (ytd only)* | 24.1158% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0677% | 552 |
| Loan loss allowance to noncurrent loans | 537.0370% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.2863% | 2,107 |
| Noncurrent loans to loans | 0.3850% | 2,206 |
| Net loans and leases to total assets | 44.8059% | 3,780 |
| Net loans and leases to deposits | 48.9019% | 3,949 |
| Net loans and leases to core deposits | 52.4356% | 3,860 |
| Total domestic deposits to total assets | 91.6241% | 282 |
| Equity capital to assets | 8.2132% | 4,226 |
| Core capital (leverage) ratio | 8.6516% | 3,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6884% | 1,119 |
| Memoranda: | ||
| Average total assets | $229,101,800 | 2,851 |
| Average earning assets | $218,133,000 | 2,826 |
| Average equity | $20,133,800 | 3,205 |
| Average total loans | $113,277,400 | 3,020 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3313% | 3,305 |
| Cost of funding earning assets | 0.4521% | 1,341 |
| Net interest margin | 2.8792% | 3,598 |
| Noninterest income to average assets | 0.3092% | 3,579 |
| Noninterest expense to average assets | 2.1332% | 3,272 |
| Loan and lease loss provision to assets | 0.2812% | 296 |
| Net operating income to assets | 0.5146% | 4,174 |
| Return on assets (ROA) | 0.5189% | 4,213 |
| Pretax return on assets | 0.6392% | 4,177 |
| Return on Equity (ROE) | 5.8016% | 3,958 |
| Retained earnings to average equity (ytd only) | 5.8016% | 2,913 |
| Net charge-offs to loans | -0.0106% | 3,695 |
| Credit loss provision to net charge-offs | -5,277.7778% | 4,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9767% | 1,602 |
| Assets per employee ($millions) | 5.4475% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8654% | 816 |
| Loan loss allowance to noncurrent loans | 814.8699% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.2301% | 2,623 |
| Noncurrent loans to loans | 0.2289% | 3,025 |
| Net loans and leases to total assets | 49.2301% | 3,499 |
| Net loans and leases to deposits | 54.1336% | 3,728 |
| Net loans and leases to core deposits | 59.1080% | 3,540 |
| Total domestic deposits to total assets | 90.9419% | 389 |
| Equity capital to assets | 8.7857% | 4,011 |
| Core capital (leverage) ratio | 8.9748% | 3,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2232% | 1,304 |
| Memoranda: | ||
| Average total assets | $225,067,750 | 2,908 |
| Average earning assets | $214,124,500 | 2,874 |
| Average equity | $20,131,750 | 3,237 |
| Average total loans | $113,546,500 | 3,056 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3008% | 3,420 |
| Cost of funding earning assets | 0.5173% | 1,109 |
| Net interest margin | 2.7835% | 3,820 |
| Noninterest income to average assets | 0.3054% | 3,603 |
| Noninterest expense to average assets | 2.0666% | 3,496 |
| Loan and lease loss provision to assets | 0.3153% | 260 |
| Net operating income to assets | 0.4761% | 4,269 |
| Return on assets (ROA) | 0.4829% | 4,294 |
| Pretax return on assets | 0.5784% | 4,274 |
| Return on Equity (ROE) | 5.3647% | 4,064 |
| Retained earnings to average equity (ytd only) | 5.3647% | 3,046 |
| Net charge-offs to loans | 0.0125% | 1,706 |
| Credit loss provision to net charge-offs | 5,000.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 140.4286% | 616 |
| Efficiency ratio | 70.0031% | 1,636 |
| Assets per employee ($millions) | 4.8966% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7731% | 927 |
| Loan loss allowance to noncurrent loans | 1,172.0000% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.2162% | 2,853 |
| Noncurrent loans to loans | 0.1513% | 3,443 |
| Net loans and leases to total assets | 50.4444% | 3,511 |
| Net loans and leases to deposits | 55.5820% | 3,741 |
| Net loans and leases to core deposits | 61.3320% | 3,521 |
| Total domestic deposits to total assets | 90.7567% | 456 |
| Equity capital to assets | 8.9685% | 3,821 |
| Core capital (leverage) ratio | 8.8923% | 3,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9794% | 1,341 |
| Memoranda: | ||
| Average total assets | $222,009,333 | 2,923 |
| Average earning assets | $211,100,667 | 2,899 |
| Average equity | $19,982,333 | 3,242 |
| Average total loans | $112,225,333 | 3,094 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2945% | 3,461 |
| Cost of funding earning assets | 0.6032% | 865 |
| Net interest margin | 2.6913% | 3,987 |
| Noninterest income to average assets | 0.2958% | 3,636 |
| Noninterest expense to average assets | 1.9946% | 3,730 |
| Loan and lease loss provision to assets | 0.3085% | 297 |
| Net operating income to assets | 0.4436% | 4,284 |
| Return on assets (ROA) | 0.4537% | 4,299 |
| Pretax return on assets | 0.5644% | 4,252 |
| Return on Equity (ROE) | 5.0320% | 4,081 |
| Retained earnings to average equity (ytd only) | 5.0320% | 3,211 |
| Net charge-offs to loans | 0.0507% | 997 |
| Credit loss provision to net charge-offs | 1,214.2857% | 361 |
| Earnings coverage of net charge-offs (x) | 33.8571% | 1,044 |
| Efficiency ratio | 69.8665% | 1,721 |
| Assets per employee ($millions) | 5.0639% | 3,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7071% | 1,031 |
| Loan loss allowance to noncurrent loans | 495.7447% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.2235% | 3,033 |
| Noncurrent loans to loans | 0.3443% | 2,863 |
| Net loans and leases to total assets | 48.1706% | 3,799 |
| Net loans and leases to deposits | 53.0143% | 4,004 |
| Net loans and leases to core deposits | 58.4778% | 3,806 |
| Total domestic deposits to total assets | 90.8635% | 447 |
| Equity capital to assets | 8.8807% | 3,807 |
| Core capital (leverage) ratio | 8.9900% | 3,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4332% | 1,187 |
| Memoranda: | ||
| Average total assets | $220,392,000 | 2,924 |
| Average earning assets | $209,562,000 | 2,898 |
| Average equity | $19,873,000 | 3,245 |
| Average total loans | $110,501,000 | 3,125 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1447% | 2,299 |
| Cost of funding earning assets | 1.1050% | 394 |
| Net interest margin | 3.0397% | 3,790 |
| Noninterest income to average assets | 0.3292% | 3,486 |
| Noninterest expense to average assets | 2.3467% | 3,282 |
| Loan and lease loss provision to assets | 0.3874% | 829 |
| Net operating income to assets | 0.3803% | 4,284 |
| Return on assets (ROA) | 0.3803% | 4,362 |
| Pretax return on assets | 0.4649% | 4,334 |
| Return on Equity (ROE) | 3.7534% | 4,209 |
| Retained earnings to average equity (ytd only) | -0.1199% | 4,535 |
| Net charge-offs to loans | 0.8159% | 176 |
| Credit loss provision to net charge-offs | 78.6228% | 2,995 |
| Earnings coverage of net charge-offs (x) | 1.7297% | 3,236 |
| Efficiency ratio | 73.3576% | 1,525 |
| Assets per employee ($millions) | 5.0692% | 3,317 |
| Cash dividends to net income (ytd only)* | 103.1957% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5276% | 1,490 |
| Loan loss allowance to noncurrent loans | 237.8830% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.3776% | 2,473 |
| Noncurrent loans to loans | 0.6422% | 2,077 |
| Net loans and leases to total assets | 50.5111% | 3,787 |
| Net loans and leases to deposits | 55.7968% | 4,013 |
| Net loans and leases to core deposits | 62.3964% | 3,808 |
| Total domestic deposits to total assets | 90.5269% | 364 |
| Equity capital to assets | 9.1566% | 3,932 |
| Core capital (leverage) ratio | 9.1316% | 3,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0364% | 1,252 |
| Memoranda: | ||
| Average total assets | $197,470,400 | 2,964 |
| Average earning assets | $186,430,200 | 2,942 |
| Average equity | $20,008,400 | 3,186 |
| Average total loans | $119,258,000 | 2,989 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3070% | 2,076 |
| Cost of funding earning assets | 1.2150% | 350 |
| Net interest margin | 3.0920% | 3,757 |
| Noninterest income to average assets | 0.3480% | 3,380 |
| Noninterest expense to average assets | 2.4324% | 3,047 |
| Loan and lease loss provision to assets | 0.3811% | 962 |
| Net operating income to assets | 0.3487% | 4,362 |
| Return on assets (ROA) | 0.3487% | 4,418 |
| Pretax return on assets | 0.4485% | 4,375 |
| Return on Equity (ROE) | 3.3498% | 4,329 |
| Retained earnings to average equity (ytd only) | -0.9790% | 4,613 |
| Net charge-offs to loans | 1.0271% | 134 |
| Credit loss provision to net charge-offs | 58.9496% | 2,856 |
| Earnings coverage of net charge-offs (x) | 1.2830% | 3,080 |
| Efficiency ratio | 74.5644% | 1,351 |
| Assets per employee ($millions) | 4.6753% | 3,630 |
| Cash dividends to net income (ytd only)* | 129.2247% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2703% | 2,294 |
| Loan loss allowance to noncurrent loans | 307.2144% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.2936% | 2,982 |
| Noncurrent loans to loans | 0.4135% | 2,816 |
| Net loans and leases to total assets | 57.9211% | 3,424 |
| Net loans and leases to deposits | 64.5016% | 3,756 |
| Net loans and leases to core deposits | 73.5694% | 3,351 |
| Total domestic deposits to total assets | 89.7978% | 501 |
| Equity capital to assets | 9.6874% | 3,529 |
| Core capital (leverage) ratio | 9.6535% | 3,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7725% | 1,087 |
| Memoranda: | ||
| Average total assets | $192,344,500 | 2,987 |
| Average earning assets | $181,282,250 | 2,963 |
| Average equity | $20,020,750 | 3,183 |
| Average total loans | $121,120,250 | 2,979 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4597% | 2,035 |
| Cost of funding earning assets | 1.3248% | 323 |
| Net interest margin | 3.1349% | 3,823 |
| Noninterest income to average assets | 0.3662% | 3,285 |
| Noninterest expense to average assets | 2.5164% | 2,923 |
| Loan and lease loss provision to assets | 0.3034% | 1,419 |
| Net operating income to assets | 0.3439% | 4,342 |
| Return on assets (ROA) | 0.3481% | 4,394 |
| Pretax return on assets | 0.5014% | 4,248 |
| Return on Equity (ROE) | 3.2616% | 4,295 |
| Retained earnings to average equity (ytd only) | 3.2616% | 3,285 |
| Net charge-offs to loans | 1.1776% | 116 |
| Credit loss provision to net charge-offs | 39.9160% | 2,670 |
| Earnings coverage of net charge-offs (x) | 1.0518% | 2,886 |
| Efficiency ratio | 75.8909% | 1,276 |
| Assets per employee ($millions) | 4.2901% | 4,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2341% | 2,334 |
| Loan loss allowance to noncurrent loans | 128.6207% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.8939% | 1,369 |
| Noncurrent loans to loans | 0.9595% | 1,612 |
| Net loans and leases to total assets | 60.5077% | 3,266 |
| Net loans and leases to deposits | 67.8966% | 3,578 |
| Net loans and leases to core deposits | 78.6346% | 3,058 |
| Total domestic deposits to total assets | 89.1175% | 706 |
| Equity capital to assets | 10.3798% | 2,856 |
| Core capital (leverage) ratio | 10.5135% | 2,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4971% | 1,367 |
| Memoranda: | ||
| Average total assets | $187,889,000 | 3,011 |
| Average earning assets | $176,782,667 | 2,991 |
| Average equity | $20,051,667 | 3,167 |
| Average total loans | $121,266,000 | 2,965 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6623% | 1,815 |
| Cost of funding earning assets | 1.4650% | 302 |
| Net interest margin | 3.1973% | 3,858 |
| Noninterest income to average assets | 0.3975% | 3,124 |
| Noninterest expense to average assets | 2.5813% | 3,037 |
| Loan and lease loss provision to assets | 0.1092% | 2,312 |
| Net operating income to assets | 0.5001% | 3,894 |
| Return on assets (ROA) | 0.5001% | 3,955 |
| Pretax return on assets | 0.7098% | 3,653 |
| Return on Equity (ROE) | 4.6180% | 3,776 |
| Retained earnings to average equity (ytd only) | 4.6180% | 2,451 |
| Net charge-offs to loans | 0.2931% | 496 |
| Credit loss provision to net charge-offs | 56.1798% | 2,034 |
| Earnings coverage of net charge-offs (x) | 4.2135% | 2,152 |
| Efficiency ratio | 75.9152% | 1,570 |
| Assets per employee ($millions) | 3.9356% | 4,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5688% | 1,150 |
| Loan loss allowance to noncurrent loans | 135.2983% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 1.1245% | 1,143 |
| Noncurrent loans to loans | 1.1595% | 1,426 |
| Net loans and leases to total assets | 63.8392% | 3,083 |
| Net loans and leases to deposits | 72.0564% | 3,427 |
| Net loans and leases to core deposits | 86.0133% | 2,679 |
| Total domestic deposits to total assets | 88.5962% | 838 |
| Equity capital to assets | 10.8129% | 3,038 |
| Core capital (leverage) ratio | 10.7468% | 2,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1273% | 1,320 |
| Memoranda: | ||
| Average total assets | $183,160,500 | 3,022 |
| Average earning assets | $172,018,500 | 2,999 |
| Average equity | $19,835,500 | 3,184 |
| Average total loans | $121,448,500 | 2,942 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0711% | 1,286 |
| Cost of funding earning assets | 1.4171% | 525 |
| Net interest margin | 3.6540% | 2,949 |
| Noninterest income to average assets | 0.5036% | 2,715 |
| Noninterest expense to average assets | 2.5069% | 3,434 |
| Loan and lease loss provision to assets | 0.2881% | 591 |
| Net operating income to assets | 0.9242% | 3,112 |
| Return on assets (ROA) | 0.9242% | 3,187 |
| Pretax return on assets | 1.1938% | 2,864 |
| Return on Equity (ROE) | 8.5381% | 2,928 |
| Retained earnings to average equity (ytd only) | 5.3443% | 2,252 |
| Net charge-offs to loans | 0.3086% | 672 |
| Credit loss provision to net charge-offs | 131.5789% | 1,935 |
| Earnings coverage of net charge-offs (x) | 6.7684% | 2,938 |
| Efficiency ratio | 62.8485% | 3,238 |
| Assets per employee ($millions) | 3.8584% | 4,087 |
| Cash dividends to net income (ytd only)* | 37.4065% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5627% | 1,060 |
| Loan loss allowance to noncurrent loans | 129.0128% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 1.1905% | 988 |
| Noncurrent loans to loans | 1.2113% | 1,242 |
| Net loans and leases to total assets | 66.7273% | 2,871 |
| Net loans and leases to deposits | 75.3034% | 3,237 |
| Net loans and leases to core deposits | 88.0378% | 2,602 |
| Total domestic deposits to total assets | 88.6113% | 832 |
| Equity capital to assets | 10.8466% | 3,140 |
| Core capital (leverage) ratio | 10.7311% | 2,731 |
| Tier 1 risk-based capital ratio | 15.5878% | 2,547 |
| Total risk-based capital ratio | 16.8409% | 2,482 |
| Memoranda: | ||
| Average total assets | $173,558,200 | 3,076 |
| Average earning assets | $165,545,200 | 3,034 |
| Average equity | $18,786,400 | 3,250 |
| Average total loans | $123,149,800 | 2,909 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1004% | 1,283 |
| Cost of funding earning assets | 1.3837% | 603 |
| Net interest margin | 3.7167% | 2,865 |
| Noninterest income to average assets | 0.5182% | 2,619 |
| Noninterest expense to average assets | 2.5258% | 3,359 |
| Loan and lease loss provision to assets | 0.3147% | 458 |
| Net operating income to assets | 0.9144% | 3,291 |
| Return on assets (ROA) | 0.9144% | 3,373 |
| Pretax return on assets | 1.2400% | 2,854 |
| Return on Equity (ROE) | 8.4527% | 3,135 |
| Retained earnings to average equity (ytd only) | 4.1438% | 3,335 |
| Net charge-offs to loans | 0.0952% | 1,524 |
| Credit loss provision to net charge-offs | 460.2273% | 677 |
| Earnings coverage of net charge-offs (x) | 22.7387% | 1,857 |
| Efficiency ratio | 61.9002% | 3,343 |
| Assets per employee ($millions) | 4.0203% | 3,877 |
| Cash dividends to net income (ytd only)* | 50.9772% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6445% | 912 |
| Loan loss allowance to noncurrent loans | 107.3492% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 1.1549% | 1,118 |
| Noncurrent loans to loans | 1.5319% | 984 |
| Net loans and leases to total assets | 71.6114% | 2,237 |
| Net loans and leases to deposits | 80.9665% | 2,804 |
| Net loans and leases to core deposits | 96.2248% | 1,974 |
| Total domestic deposits to total assets | 88.4457% | 849 |
| Equity capital to assets | 10.8443% | 3,255 |
| Core capital (leverage) ratio | 11.3348% | 2,352 |
| Tier 1 risk-based capital ratio | 14.9333% | 2,882 |
| Total risk-based capital ratio | 16.1883% | 2,807 |
| Memoranda: | ||
| Average total assets | $171,611,000 | 3,128 |
| Average earning assets | $164,480,750 | 3,076 |
| Average equity | $18,565,500 | 3,292 |
| Average total loans | $123,205,000 | 2,935 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0537% | 1,341 |
| Cost of funding earning assets | 1.3472% | 649 |
| Net interest margin | 3.7066% | 2,913 |
| Noninterest income to average assets | 0.5158% | 2,588 |
| Noninterest expense to average assets | 2.5081% | 3,448 |
| Loan and lease loss provision to assets | 0.3356% | 387 |
| Net operating income to assets | 0.9079% | 3,249 |
| Return on assets (ROA) | 0.9079% | 3,314 |
| Pretax return on assets | 1.2293% | 2,814 |
| Return on Equity (ROE) | 8.3988% | 3,115 |
| Retained earnings to average equity (ytd only) | 1.8628% | 4,157 |
| Net charge-offs to loans | 0.0857% | 1,508 |
| Credit loss provision to net charge-offs | 548.0769% | 561 |
| Earnings coverage of net charge-offs (x) | 25.5577% | 1,592 |
| Efficiency ratio | 61.5785% | 3,494 |
| Assets per employee ($millions) | 3.8350% | 4,080 |
| Cash dividends to net income (ytd only)* | 77.8210% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6043% | 1,018 |
| Loan loss allowance to noncurrent loans | 220.1299% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.5635% | 2,325 |
| Noncurrent loans to loans | 0.7288% | 2,167 |
| Net loans and leases to total assets | 70.7175% | 2,433 |
| Net loans and leases to deposits | 79.6318% | 2,997 |
| Net loans and leases to core deposits | 92.5501% | 2,361 |
| Total domestic deposits to total assets | 88.8056% | 742 |
| Equity capital to assets | 10.6321% | 3,405 |
| Core capital (leverage) ratio | 11.2650% | 2,364 |
| Tier 1 risk-based capital ratio | 14.8632% | 2,891 |
| Total risk-based capital ratio | 16.1179% | 2,813 |
| Memoranda: | ||
| Average total assets | $169,849,670 | 3,160 |
| Average earning assets | $163,007,670 | 3,105 |
| Average equity | $18,359,670 | 3,311 |
| Average total loans | $121,341,670 | 2,974 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9875% | 1,362 |
| Cost of funding earning assets | 1.2425% | 789 |
| Net interest margin | 3.7450% | 2,726 |
| Noninterest income to average assets | 0.4923% | 2,606 |
| Noninterest expense to average assets | 2.5503% | 3,374 |
| Loan and lease loss provision to assets | 0.3962% | 294 |
| Net operating income to assets | 0.8213% | 3,549 |
| Return on assets (ROA) | 0.8213% | 3,589 |
| Pretax return on assets | 1.1359% | 3,026 |
| Return on Equity (ROE) | 7.5324% | 3,446 |
| Retained earnings to average equity (ytd only) | -5.6824% | 4,960 |
| Net charge-offs to loans | 0.2731% | 540 |
| Credit loss provision to net charge-offs | 203.7037% | 1,041 |
| Earnings coverage of net charge-offs (x) | 7.8765% | 2,111 |
| Efficiency ratio | 62.4706% | 3,458 |
| Assets per employee ($millions) | 3.9299% | 4,029 |
| Cash dividends to net income (ytd only)* | 175.4386% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5565% | 1,161 |
| Loan loss allowance to noncurrent loans | 164.0557% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.7563% | 1,860 |
| Noncurrent loans to loans | 0.9487% | 1,764 |
| Net loans and leases to total assets | 70.5524% | 2,399 |
| Net loans and leases to deposits | 79.4635% | 2,897 |
| Net loans and leases to core deposits | 91.8924% | 2,309 |
| Total domestic deposits to total assets | 88.7860% | 964 |
| Equity capital to assets | 10.7264% | 3,135 |
| Core capital (leverage) ratio | 11.2392% | 2,351 |
| Tier 1 risk-based capital ratio | 15.1609% | 2,815 |
| Total risk-based capital ratio | 16.4146% | 2,723 |
| Memoranda: | ||
| Average total assets | $166,570,000 | 3,222 |
| Average earning assets | $159,680,000 | 3,171 |
| Average equity | $18,161,500 | 3,338 |
| Average total loans | $118,619,500 | 3,034 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7029% | 1,814 |
| Cost of funding earning assets | 0.8835% | 1,157 |
| Net interest margin | 3.8194% | 2,595 |
| Noninterest income to average assets | 0.6496% | 2,049 |
| Noninterest expense to average assets | 2.5827% | 3,388 |
| Loan and lease loss provision to assets | 0.4163% | 318 |
| Net operating income to assets | 0.9976% | 3,021 |
| Return on assets (ROA) | 0.9976% | 3,011 |
| Pretax return on assets | 1.3180% | 2,439 |
| Return on Equity (ROE) | 8.9950% | 2,998 |
| Retained earnings to average equity (ytd only) | 6.1682% | 2,109 |
| Net charge-offs to loans | 0.2826% | 684 |
| Credit loss provision to net charge-offs | 204.3077% | 1,408 |
| Earnings coverage of net charge-offs (x) | 8.5108% | 2,892 |
| Efficiency ratio | 59.8257% | 3,887 |
| Assets per employee ($millions) | 3.8176% | 4,152 |
| Cash dividends to net income (ytd only)* | 31.4268% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5508% | 1,147 |
| Loan loss allowance to noncurrent loans | 128.0939% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 0.8992% | 1,544 |
| Noncurrent loans to loans | 1.2107% | 1,321 |
| Net loans and leases to total assets | 69.6476% | 2,623 |
| Net loans and leases to deposits | 78.6763% | 3,080 |
| Net loans and leases to core deposits | 87.0396% | 2,833 |
| Total domestic deposits to total assets | 88.5243% | 1,061 |
| Equity capital to assets | 11.0853% | 2,605 |
| Core capital (leverage) ratio | 11.7734% | 1,895 |
| Tier 1 risk-based capital ratio | 15.0078% | 2,829 |
| Total risk-based capital ratio | 16.2599% | 2,755 |
| Memoranda: | ||
| Average total assets | $159,483,400 | 3,286 |
| Average earning assets | $153,141,000 | 3,207 |
| Average equity | $17,687,600 | 3,332 |
| Average total loans | $115,014,200 | 3,060 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6481% | 1,840 |
| Cost of funding earning assets | 0.8010% | 1,333 |
| Net interest margin | 3.8471% | 2,480 |
| Noninterest income to average assets | 0.6316% | 2,157 |
| Noninterest expense to average assets | 2.5409% | 3,474 |
| Loan and lease loss provision to assets | 0.2350% | 684 |
| Net operating income to assets | 1.0763% | 2,763 |
| Return on assets (ROA) | 1.0763% | 2,771 |
| Pretax return on assets | 1.5530% | 1,727 |
| Return on Equity (ROE) | 9.7035% | 2,751 |
| Retained earnings to average equity (ytd only) | 5.9071% | 2,700 |
| Net charge-offs to loans | 0.1127% | 1,370 |
| Credit loss provision to net charge-offs | 287.6289% | 1,056 |
| Earnings coverage of net charge-offs (x) | 21.8866% | 1,901 |
| Efficiency ratio | 58.6965% | 4,008 |
| Assets per employee ($millions) | 3.7104% | 4,292 |
| Cash dividends to net income (ytd only)* | 39.1236% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 1,853 |
| Loan loss allowance to noncurrent loans | 555.4054% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.2137% | 3,878 |
| Noncurrent loans to loans | 0.2445% | 3,819 |
| Net loans and leases to total assets | 74.8630% | 1,844 |
| Net loans and leases to deposits | 84.9159% | 2,486 |
| Net loans and leases to core deposits | 93.3826% | 2,363 |
| Total domestic deposits to total assets | 88.1614% | 1,170 |
| Equity capital to assets | 11.1911% | 2,483 |
| Core capital (leverage) ratio | 11.6493% | 2,049 |
| Tier 1 risk-based capital ratio | 15.3677% | 2,711 |
| Total risk-based capital ratio | 16.6189% | 2,638 |
| Memoranda: | ||
| Average total assets | $158,315,500 | 3,329 |
| Average earning assets | $152,145,250 | 3,248 |
| Average equity | $17,560,250 | 3,371 |
| Average total loans | $114,735,000 | 3,083 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5279% | 2,002 |
| Cost of funding earning assets | 0.7221% | 1,508 |
| Net interest margin | 3.8057% | 2,547 |
| Noninterest income to average assets | 0.6282% | 2,186 |
| Noninterest expense to average assets | 2.5268% | 3,560 |
| Loan and lease loss provision to assets | 0.2141% | 776 |
| Net operating income to assets | 1.1273% | 2,491 |
| Return on assets (ROA) | 1.1273% | 2,495 |
| Pretax return on assets | 1.5452% | 1,668 |
| Return on Equity (ROE) | 10.1936% | 2,483 |
| Retained earnings to average equity (ytd only) | 4.4668% | 3,367 |
| Net charge-offs to loans | -0.2131% | 5,335 |
| Credit loss provision to net charge-offs | -140.8333% | 4,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9539% | 4,094 |
| Assets per employee ($millions) | 3.7546% | 4,276 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 1,396 |
| Loan loss allowance to noncurrent loans | 1,183.1081% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.1224% | 4,387 |
| Noncurrent loans to loans | 0.1268% | 4,343 |
| Net loans and leases to total assets | 72.9138% | 2,134 |
| Net loans and leases to deposits | 82.4206% | 2,723 |
| Net loans and leases to core deposits | 87.7522% | 2,745 |
| Total domestic deposits to total assets | 88.4656% | 1,159 |
| Equity capital to assets | 11.0810% | 2,561 |
| Core capital (leverage) ratio | 11.4323% | 2,129 |
| Tier 1 risk-based capital ratio | 15.6585% | 2,563 |
| Total risk-based capital ratio | 16.9121% | 2,506 |
| Memoranda: | ||
| Average total assets | $157,905,330 | 3,345 |
| Average earning assets | $151,770,670 | 3,267 |
| Average equity | $17,462,000 | 3,396 |
| Average total loans | $112,618,330 | 3,134 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3657% | 2,311 |
| Cost of funding earning assets | 0.6907% | 1,492 |
| Net interest margin | 3.6750% | 2,907 |
| Noninterest income to average assets | 0.6050% | 2,234 |
| Noninterest expense to average assets | 2.5770% | 3,409 |
| Loan and lease loss provision to assets | 0.1899% | 890 |
| Net operating income to assets | 1.0404% | 2,688 |
| Return on assets (ROA) | 1.0404% | 2,706 |
| Pretax return on assets | 1.3670% | 2,119 |
| Return on Equity (ROE) | 9.4180% | 2,710 |
| Retained earnings to average equity (ytd only) | 9.4180% | 1,324 |
| Net charge-offs to loans | -0.2279% | 5,399 |
| Credit loss provision to net charge-offs | -119.0476% | 3,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3393% | 3,726 |
| Assets per employee ($millions) | 3.8351% | 4,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 1,744 |
| Loan loss allowance to noncurrent loans | 465.1163% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.2716% | 3,783 |
| Noncurrent loans to loans | 0.3066% | 3,672 |
| Net loans and leases to total assets | 70.3415% | 2,422 |
| Net loans and leases to deposits | 79.5450% | 2,864 |
| Net loans and leases to core deposits | 85.1004% | 2,881 |
| Total domestic deposits to total assets | 88.4298% | 1,392 |
| Equity capital to assets | 11.1664% | 2,413 |
| Core capital (leverage) ratio | 11.5296% | 1,986 |
| Tier 1 risk-based capital ratio | 16.0953% | 2,424 |
| Total risk-based capital ratio | 17.3475% | 2,379 |
| Memoranda: | ||
| Average total assets | $158,011,500 | 3,386 |
| Average earning assets | $151,727,500 | 3,308 |
| Average equity | $17,456,000 | 3,422 |
| Average total loans | $110,562,000 | 3,181 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5218% | 1,647 |
| Cost of funding earning assets | 0.5843% | 1,714 |
| Net interest margin | 3.9375% | 1,963 |
| Noninterest income to average assets | 0.5964% | 2,466 |
| Noninterest expense to average assets | 2.5419% | 3,633 |
| Loan and lease loss provision to assets | 0.2450% | 777 |
| Net operating income to assets | 1.0127% | 2,184 |
| Return on assets (ROA) | 1.0089% | 2,237 |
| Pretax return on assets | 1.5836% | 1,341 |
| Return on Equity (ROE) | 9.0989% | 2,268 |
| Retained earnings to average equity (ytd only) | 6.1370% | 1,462 |
| Net charge-offs to loans | 0.3372% | 755 |
| Credit loss provision to net charge-offs | 101.6349% | 2,518 |
| Earnings coverage of net charge-offs (x) | 7.6104% | 3,019 |
| Efficiency ratio | 58.0819% | 4,517 |
| Assets per employee ($millions) | 3.8728% | 4,156 |
| Cash dividends to net income (ytd only)* | 32.5521% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3423% | 2,011 |
| Loan loss allowance to noncurrent loans | 400.5479% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.2821% | 3,759 |
| Noncurrent loans to loans | 0.3351% | 3,563 |
| Net loans and leases to total assets | 67.6754% | 2,871 |
| Net loans and leases to deposits | 76.2020% | 3,312 |
| Net loans and leases to core deposits | 83.2658% | 3,129 |
| Total domestic deposits to total assets | 88.8105% | 1,080 |
| Equity capital to assets | 10.9294% | 2,705 |
| Core capital (leverage) ratio | 11.1193% | 2,229 |
| Tier 1 risk-based capital ratio | 16.7292% | 2,184 |
| Total risk-based capital ratio | 17.9812% | 2,135 |
| Memoranda: | ||
| Average total assets | $152,247,000 | 3,439 |
| Average earning assets | $146,159,800 | 3,369 |
| Average equity | $16,881,200 | 3,493 |
| Average total loans | $108,845,000 | 3,203 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5194% | 1,588 |
| Cost of funding earning assets | 0.5611% | 1,799 |
| Net interest margin | 3.9582% | 1,839 |
| Noninterest income to average assets | 0.4683% | 3,224 |
| Noninterest expense to average assets | 2.5008% | 3,731 |
| Loan and lease loss provision to assets | 0.1664% | 1,217 |
| Net operating income to assets | 0.9656% | 2,705 |
| Return on assets (ROA) | 0.9605% | 2,778 |
| Pretax return on assets | 1.5961% | 1,439 |
| Return on Equity (ROE) | 8.6299% | 2,799 |
| Retained earnings to average equity (ytd only) | 4.6530% | 3,114 |
| Net charge-offs to loans | 0.1764% | 1,195 |
| Credit loss provision to net charge-offs | 130.5556% | 1,885 |
| Earnings coverage of net charge-offs (x) | 13.8885% | 2,328 |
| Efficiency ratio | 58.5492% | 4,424 |
| Assets per employee ($millions) | 4.0109% | 3,972 |
| Cash dividends to net income (ytd only)* | 46.0830% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 2,453 |
| Loan loss allowance to noncurrent loans | 477.7070% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.3779% | 3,515 |
| Noncurrent loans to loans | 0.2682% | 4,000 |
| Net loans and leases to total assets | 75.8257% | 1,619 |
| Net loans and leases to deposits | 85.7400% | 2,331 |
| Net loans and leases to core deposits | 94.1001% | 2,269 |
| Total domestic deposits to total assets | 88.4368% | 1,158 |
| Equity capital to assets | 11.1551% | 2,712 |
| Core capital (leverage) ratio | 11.4280% | 2,074 |
| Tier 1 risk-based capital ratio | 15.6252% | 2,663 |
| Total risk-based capital ratio | 16.8764% | 2,602 |
| Memoranda: | ||
| Average total assets | $150,613,000 | 3,496 |
| Average earning assets | $144,707,500 | 3,413 |
| Average equity | $16,763,000 | 3,540 |
| Average total loans | $108,826,500 | 3,225 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4739% | 1,590 |
| Cost of funding earning assets | 0.5462% | 1,802 |
| Net interest margin | 3.9277% | 1,844 |
| Noninterest income to average assets | 0.4640% | 3,262 |
| Noninterest expense to average assets | 2.4718% | 3,841 |
| Loan and lease loss provision to assets | 0.1600% | 1,245 |
| Net operating income to assets | 0.9875% | 2,487 |
| Return on assets (ROA) | 0.9892% | 2,528 |
| Pretax return on assets | 1.6119% | 1,307 |
| Return on Equity (ROE) | 8.8951% | 2,558 |
| Retained earnings to average equity (ytd only) | 8.8951% | 874 |
| Net charge-offs to loans | 0.0075% | 3,184 |
| Credit loss provision to net charge-offs | 3,000.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 331.7500% | 256 |
| Efficiency ratio | 58.2836% | 4,557 |
| Assets per employee ($millions) | 3.9657% | 4,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4105% | 1,908 |
| Loan loss allowance to noncurrent loans | 467.8571% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.2528% | 4,114 |
| Noncurrent loans to loans | 0.3015% | 3,960 |
| Net loans and leases to total assets | 72.9117% | 2,058 |
| Net loans and leases to deposits | 82.5613% | 2,647 |
| Net loans and leases to core deposits | 89.5382% | 2,571 |
| Total domestic deposits to total assets | 88.3122% | 1,299 |
| Equity capital to assets | 11.3759% | 2,434 |
| Core capital (leverage) ratio | 11.6690% | 1,854 |
| Tier 1 risk-based capital ratio | 15.7710% | 2,592 |
| Total risk-based capital ratio | 17.0234% | 2,529 |
| Memoranda: | ||
| Average total assets | $150,012,670 | 3,521 |
| Average earning assets | $144,257,330 | 3,440 |
| Average equity | $16,683,330 | 3,564 |
| Average total loans | $106,079,000 | 3,279 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5236% | 1,323 |
| Cost of funding earning assets | 0.5456% | 1,742 |
| Net interest margin | 3.9780% | 1,528 |
| Noninterest income to average assets | 0.4837% | 3,080 |
| Noninterest expense to average assets | 2.4400% | 3,998 |
| Loan and lease loss provision to assets | 0.1604% | 1,123 |
| Net operating income to assets | 1.1171% | 1,802 |
| Return on assets (ROA) | 1.1171% | 1,842 |
| Pretax return on assets | 1.7024% | 999 |
| Return on Equity (ROE) | 10.1620% | 1,898 |
| Retained earnings to average equity (ytd only) | 10.1620% | 778 |
| Net charge-offs to loans | 0.0116% | 2,587 |
| Credit loss provision to net charge-offs | 2,000.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 232.3333% | 246 |
| Efficiency ratio | 56.7081% | 4,865 |
| Assets per employee ($millions) | 4.1618% | 3,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 1,865 |
| Loan loss allowance to noncurrent loans | 280.7050% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.3898% | 3,645 |
| Noncurrent loans to loans | 0.5167% | 3,269 |
| Net loans and leases to total assets | 68.6176% | 2,583 |
| Net loans and leases to deposits | 77.5346% | 3,025 |
| Net loans and leases to core deposits | 84.6051% | 2,846 |
| Total domestic deposits to total assets | 88.4993% | 1,424 |
| Equity capital to assets | 11.1489% | 2,478 |
| Core capital (leverage) ratio | 11.4494% | 1,986 |
| Tier 1 risk-based capital ratio | 12.3990% | 4,450 |
| Total risk-based capital ratio | 13.5055% | 4,443 |
| Memoranda: | ||
| Average total assets | $149,671,000 | 3,555 |
| Average earning assets | $143,689,500 | 3,478 |
| Average equity | $16,453,500 | 3,610 |
| Average total loans | $103,395,000 | 3,358 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4027% | 1,811 |
| Cost of funding earning assets | 0.5703% | 1,536 |
| Net interest margin | 3.8324% | 2,200 |
| Noninterest income to average assets | 0.4455% | 3,575 |
| Noninterest expense to average assets | 2.4800% | 4,076 |
| Loan and lease loss provision to assets | 0.1378% | 1,810 |
| Net operating income to assets | 0.9158% | 2,749 |
| Return on assets (ROA) | 0.9167% | 2,852 |
| Pretax return on assets | 1.4074% | 1,916 |
| Return on Equity (ROE) | 8.2111% | 2,825 |
| Retained earnings to average equity (ytd only) | 4.1586% | 2,944 |
| Net charge-offs to loans | 0.0504% | 3,036 |
| Credit loss provision to net charge-offs | 396.0000% | 803 |
| Earnings coverage of net charge-offs (x) | 44.3600% | 1,091 |
| Efficiency ratio | 61.6329% | 4,322 |
| Assets per employee ($millions) | 3.9346% | 4,087 |
| Cash dividends to net income (ytd only)* | 49.3546% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4209% | 1,999 |
| Loan loss allowance to noncurrent loans | 298.3607% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.3565% | 3,855 |
| Noncurrent loans to loans | 0.4762% | 3,443 |
| Net loans and leases to total assets | 67.5607% | 2,841 |
| Net loans and leases to deposits | 75.9384% | 3,321 |
| Net loans and leases to core deposits | 82.5015% | 3,170 |
| Total domestic deposits to total assets | 88.9677% | 1,141 |
| Equity capital to assets | 10.8370% | 2,777 |
| Core capital (leverage) ratio | 11.0665% | 2,289 |
| Tier 1 risk-based capital ratio | 12.1040% | 4,656 |
| Total risk-based capital ratio | 13.1698% | 4,663 |
| Memoranda: | ||
| Average total assets | $143,667,600 | 3,614 |
| Average earning assets | $134,146,200 | 3,587 |
| Average equity | $16,039,200 | 3,688 |
| Average total loans | $99,160,600 | 3,403 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4121% | 1,824 |
| Cost of funding earning assets | 0.5769% | 1,504 |
| Net interest margin | 3.8352% | 2,211 |
| Noninterest income to average assets | 0.4379% | 3,646 |
| Noninterest expense to average assets | 2.4171% | 4,230 |
| Loan and lease loss provision to assets | 0.1688% | 1,350 |
| Net operating income to assets | 0.8717% | 3,044 |
| Return on assets (ROA) | 0.8729% | 3,165 |
| Pretax return on assets | 1.4129% | 1,993 |
| Return on Equity (ROE) | 7.7590% | 3,141 |
| Retained earnings to average equity (ytd only) | 2.3419% | 4,516 |
| Net charge-offs to loans | 0.1369% | 1,614 |
| Credit loss provision to net charge-offs | 178.2178% | 1,569 |
| Earnings coverage of net charge-offs (x) | 16.6836% | 2,096 |
| Efficiency ratio | 60.4738% | 4,467 |
| Assets per employee ($millions) | 4.0140% | 3,942 |
| Cash dividends to net income (ytd only)* | 69.8179% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3236% | 2,560 |
| Loan loss allowance to noncurrent loans | 221.2121% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.4650% | 3,570 |
| Noncurrent loans to loans | 0.5984% | 3,219 |
| Net loans and leases to total assets | 71.5553% | 2,253 |
| Net loans and leases to deposits | 80.9217% | 2,864 |
| Net loans and leases to core deposits | 87.7477% | 2,784 |
| Total domestic deposits to total assets | 88.4253% | 1,180 |
| Equity capital to assets | 11.2176% | 2,781 |
| Core capital (leverage) ratio | 11.3011% | 2,188 |
| Tier 1 risk-based capital ratio | 12.3286% | 4,588 |
| Total risk-based capital ratio | 13.3874% | 4,619 |
| Memoranda: | ||
| Average total assets | $142,205,500 | 3,648 |
| Average earning assets | $131,968,000 | 3,637 |
| Average equity | $15,998,250 | 3,722 |
| Average total loans | $98,333,250 | 3,419 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3643% | 1,930 |
| Cost of funding earning assets | 0.5789% | 1,475 |
| Net interest margin | 3.7853% | 2,385 |
| Noninterest income to average assets | 0.4313% | 3,655 |
| Noninterest expense to average assets | 2.3855% | 4,387 |
| Loan and lease loss provision to assets | 0.1697% | 1,309 |
| Net operating income to assets | 0.8028% | 3,297 |
| Return on assets (ROA) | 0.8046% | 3,426 |
| Pretax return on assets | 1.3462% | 2,220 |
| Return on Equity (ROE) | 7.1448% | 3,464 |
| Retained earnings to average equity (ytd only) | 0.8664% | 5,041 |
| Net charge-offs to loans | 0.0062% | 3,471 |
| Credit loss provision to net charge-offs | 4,000.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 356.6667% | 196 |
| Efficiency ratio | 61.1897% | 4,481 |
| Assets per employee ($millions) | 3.6783% | 4,478 |
| Cash dividends to net income (ytd only)* | 87.8735% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 2,384 |
| Loan loss allowance to noncurrent loans | 231.3312% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.4729% | 3,636 |
| Noncurrent loans to loans | 0.5961% | 3,279 |
| Net loans and leases to total assets | 72.9109% | 2,023 |
| Net loans and leases to deposits | 82.5847% | 2,640 |
| Net loans and leases to core deposits | 89.7097% | 2,562 |
| Total domestic deposits to total assets | 88.2863% | 1,282 |
| Equity capital to assets | 11.4354% | 2,614 |
| Core capital (leverage) ratio | 11.4310% | 2,042 |
| Tier 1 risk-based capital ratio | 12.5560% | 4,478 |
| Total risk-based capital ratio | 13.6787% | 4,488 |
| Memoranda: | ||
| Average total assets | $141,439,000 | 3,685 |
| Average earning assets | $129,552,330 | 3,702 |
| Average equity | $15,927,670 | 3,745 |
| Average total loans | $96,181,670 | 3,477 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3173% | 2,068 |
| Cost of funding earning assets | 0.5925% | 1,383 |
| Net interest margin | 3.7249% | 2,573 |
| Noninterest income to average assets | 0.4245% | 3,649 |
| Noninterest expense to average assets | 2.3898% | 4,399 |
| Loan and lease loss provision to assets | 0.1687% | 1,223 |
| Net operating income to assets | 0.6571% | 3,946 |
| Return on assets (ROA) | 0.6607% | 4,048 |
| Pretax return on assets | 1.1949% | 2,722 |
| Return on Equity (ROE) | 5.9121% | 4,030 |
| Retained earnings to average equity (ytd only) | 5.9121% | 2,416 |
| Net charge-offs to loans | 0.0605% | 1,899 |
| Credit loss provision to net charge-offs | 428.5714% | 674 |
| Earnings coverage of net charge-offs (x) | 34.5000% | 1,097 |
| Efficiency ratio | 63.7659% | 4,160 |
| Assets per employee ($millions) | 3.8998% | 4,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 2,273 |
| Loan loss allowance to noncurrent loans | 370.9589% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.2920% | 4,397 |
| Noncurrent loans to loans | 0.3864% | 4,055 |
| Net loans and leases to total assets | 66.3127% | 2,898 |
| Net loans and leases to deposits | 75.1732% | 3,308 |
| Net loans and leases to core deposits | 81.7045% | 3,154 |
| Total domestic deposits to total assets | 88.2132% | 1,524 |
| Equity capital to assets | 11.4407% | 2,494 |
| Core capital (leverage) ratio | 11.4620% | 2,002 |
| Tier 1 risk-based capital ratio | 12.7188% | 4,449 |
| Total risk-based capital ratio | 13.7882% | 4,466 |
| Memoranda: | ||
| Average total assets | $142,270,500 | 3,697 |
| Average earning assets | $126,930,000 | 3,767 |
| Average equity | $15,899,500 | 3,748 |
| Average total loans | $92,604,000 | 3,561 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6715% | 1,177 |
| Cost of funding earning assets | 0.6727% | 947 |
| Net interest margin | 3.9988% | 1,723 |
| Noninterest income to average assets | 0.4844% | 3,438 |
| Noninterest expense to average assets | 2.3561% | 4,626 |
| Loan and lease loss provision to assets | 0.1725% | 1,325 |
| Net operating income to assets | 0.9309% | 2,700 |
| Return on assets (ROA) | 0.9387% | 2,743 |
| Pretax return on assets | 1.3728% | 2,013 |
| Return on Equity (ROE) | 8.5591% | 2,689 |
| Retained earnings to average equity (ytd only) | 6.1015% | 1,743 |
| Net charge-offs to loans | 0.1080% | 2,307 |
| Credit loss provision to net charge-offs | 244.8980% | 1,170 |
| Earnings coverage of net charge-offs (x) | 21.7755% | 1,799 |
| Efficiency ratio | 60.5691% | 4,824 |
| Assets per employee ($millions) | 4.1185% | 3,724 |
| Cash dividends to net income (ytd only)* | 28.7136% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 2,249 |
| Loan loss allowance to noncurrent loans | 338.8601% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.2990% | 4,406 |
| Noncurrent loans to loans | 0.4253% | 3,935 |
| Net loans and leases to total assets | 62.0526% | 3,559 |
| Net loans and leases to deposits | 69.8357% | 3,940 |
| Net loans and leases to core deposits | 75.9945% | 3,755 |
| Total domestic deposits to total assets | 88.8551% | 1,199 |
| Equity capital to assets | 10.9173% | 2,910 |
| Core capital (leverage) ratio | 11.1656% | 2,250 |
| Tier 1 risk-based capital ratio | 12.1183% | 4,874 |
| Total risk-based capital ratio | 13.1242% | 4,937 |
| Memoranda: | ||
| Average total assets | $139,130,200 | 3,737 |
| Average earning assets | $118,484,600 | 3,913 |
| Average equity | $15,258,600 | 3,786 |
| Average total loans | $90,778,200 | 3,575 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6448% | 1,221 |
| Cost of funding earning assets | 0.6708% | 981 |
| Net interest margin | 3.9740% | 1,793 |
| Noninterest income to average assets | 0.4835% | 3,482 |
| Noninterest expense to average assets | 2.3576% | 4,633 |
| Loan and lease loss provision to assets | 0.2186% | 872 |
| Net operating income to assets | 0.9664% | 2,638 |
| Return on assets (ROA) | 0.9777% | 2,666 |
| Pretax return on assets | 1.3316% | 2,281 |
| Return on Equity (ROE) | 8.9040% | 2,629 |
| Retained earnings to average equity (ytd only) | 5.6013% | 2,522 |
| Net charge-offs to loans | 0.0955% | 2,200 |
| Credit loss provision to net charge-offs | 347.6923% | 849 |
| Earnings coverage of net charge-offs (x) | 24.4167% | 1,693 |
| Efficiency ratio | 60.5714% | 4,805 |
| Assets per employee ($millions) | 3.8979% | 4,088 |
| Cash dividends to net income (ytd only)* | 37.0921% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3429% | 2,893 |
| Loan loss allowance to noncurrent loans | 338.5204% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 4,483 |
| Noncurrent loans to loans | 0.3967% | 4,193 |
| Net loans and leases to total assets | 71.4607% | 2,147 |
| Net loans and leases to deposits | 81.0089% | 2,766 |
| Net loans and leases to core deposits | 88.5364% | 2,607 |
| Total domestic deposits to total assets | 88.2134% | 1,447 |
| Equity capital to assets | 11.3593% | 2,633 |
| Core capital (leverage) ratio | 11.3658% | 2,137 |
| Tier 1 risk-based capital ratio | 12.6346% | 4,662 |
| Total risk-based capital ratio | 13.7189% | 4,682 |
| Memoranda: | ||
| Average total assets | $137,876,000 | 3,788 |
| Average earning assets | $118,264,500 | 3,953 |
| Average equity | $15,139,000 | 3,850 |
| Average total loans | $90,784,000 | 3,604 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5630% | 1,368 |
| Cost of funding earning assets | 0.6810% | 927 |
| Net interest margin | 3.8820% | 2,045 |
| Noninterest income to average assets | 0.4655% | 3,593 |
| Noninterest expense to average assets | 2.3200% | 4,793 |
| Loan and lease loss provision to assets | 0.1720% | 1,212 |
| Net operating income to assets | 0.9480% | 2,643 |
| Return on assets (ROA) | 0.9656% | 2,667 |
| Pretax return on assets | 1.2677% | 2,481 |
| Return on Equity (ROE) | 8.8950% | 2,604 |
| Retained earnings to average equity (ytd only) | 3.9016% | 3,519 |
| Net charge-offs to loans | -0.0023% | 4,602 |
| Credit loss provision to net charge-offs | -11,900.0000% | 5,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0890% | 4,670 |
| Assets per employee ($millions) | 3.7473% | 4,332 |
| Cash dividends to net income (ytd only)* | 56.1377% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3606% | 2,928 |
| Loan loss allowance to noncurrent loans | 325.5696% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.3262% | 4,573 |
| Noncurrent loans to loans | 0.4179% | 4,221 |
| Net loans and leases to total assets | 69.1074% | 2,465 |
| Net loans and leases to deposits | 78.0556% | 3,020 |
| Net loans and leases to core deposits | 85.3666% | 2,837 |
| Total domestic deposits to total assets | 88.5362% | 1,391 |
| Equity capital to assets | 11.1576% | 2,710 |
| Core capital (leverage) ratio | 11.1839% | 2,258 |
| Tier 1 risk-based capital ratio | 12.6597% | 4,707 |
| Total risk-based capital ratio | 13.7365% | 4,730 |
| Memoranda: | ||
| Average total assets | $138,359,330 | 3,813 |
| Average earning assets | $116,590,670 | 4,022 |
| Average equity | $15,019,670 | 3,884 |
| Average total loans | $88,106,000 | 3,687 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4698% | 1,548 |
| Cost of funding earning assets | 0.6989% | 855 |
| Net interest margin | 3.7708% | 2,350 |
| Noninterest income to average assets | 0.4768% | 3,451 |
| Noninterest expense to average assets | 2.2957% | 4,896 |
| Loan and lease loss provision to assets | 0.1485% | 1,368 |
| Net operating income to assets | 0.8614% | 2,953 |
| Return on assets (ROA) | 0.8966% | 2,884 |
| Pretax return on assets | 1.1593% | 2,841 |
| Return on Equity (ROE) | 8.3714% | 2,769 |
| Retained earnings to average equity (ytd only) | 8.3714% | 1,425 |
| Net charge-offs to loans | 0.0754% | 1,955 |
| Credit loss provision to net charge-offs | 325.0000% | 770 |
| Earnings coverage of net charge-offs (x) | 27.6250% | 1,202 |
| Efficiency ratio | 64.5265% | 4,392 |
| Assets per employee ($millions) | 3.8836% | 4,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3844% | 2,994 |
| Loan loss allowance to noncurrent loans | 328.4153% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.3140% | 4,731 |
| Noncurrent loans to loans | 0.4216% | 4,328 |
| Net loans and leases to total assets | 61.2398% | 3,489 |
| Net loans and leases to deposits | 69.0055% | 3,856 |
| Net loans and leases to core deposits | 75.3697% | 3,656 |
| Total domestic deposits to total assets | 88.7462% | 1,423 |
| Equity capital to assets | 10.8582% | 3,131 |
| Core capital (leverage) ratio | 10.7737% | 2,657 |
| Tier 1 risk-based capital ratio | 12.1953% | 5,112 |
| Total risk-based capital ratio | 13.1678% | 5,187 |
| Memoranda: | ||
| Average total assets | $140,087,500 | 3,808 |
| Average earning assets | $114,457,500 | 4,089 |
| Average equity | $15,003,500 | 3,912 |
| Average total loans | $84,902,000 | 3,777 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5773% | 1,617 |
| Cost of funding earning assets | 0.6839% | 1,186 |
| Net interest margin | 3.8934% | 2,268 |
| Noninterest income to average assets | 0.4612% | 3,769 |
| Noninterest expense to average assets | 2.4416% | 4,725 |
| Loan and lease loss provision to assets | 0.1241% | 2,109 |
| Net operating income to assets | 0.7898% | 3,429 |
| Return on assets (ROA) | 0.7893% | 3,523 |
| Pretax return on assets | 1.1888% | 2,694 |
| Return on Equity (ROE) | 7.2431% | 3,494 |
| Retained earnings to average equity (ytd only) | 3.4455% | 3,758 |
| Net charge-offs to loans | 0.2272% | 1,855 |
| Credit loss provision to net charge-offs | 88.2353% | 2,681 |
| Earnings coverage of net charge-offs (x) | 9.3369% | 2,763 |
| Efficiency ratio | 65.0170% | 4,399 |
| Assets per employee ($millions) | 3.8990% | 4,167 |
| Cash dividends to net income (ytd only)* | 52.4309% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 2,925 |
| Loan loss allowance to noncurrent loans | 287.1921% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.3534% | 4,643 |
| Noncurrent loans to loans | 0.4893% | 4,192 |
| Net loans and leases to total assets | 58.2885% | 4,015 |
| Net loans and leases to deposits | 65.3885% | 4,389 |
| Net loans and leases to core deposits | 70.8990% | 4,230 |
| Total domestic deposits to total assets | 89.1418% | 1,153 |
| Equity capital to assets | 10.5625% | 3,405 |
| Core capital (leverage) ratio | 10.8254% | 2,590 |
| Tier 1 risk-based capital ratio | 11.9485% | 5,397 |
| Total risk-based capital ratio | 12.8813% | 5,499 |
| Memoranda: | ||
| Average total assets | $132,905,600 | 3,924 |
| Average earning assets | $112,447,000 | 4,124 |
| Average equity | $14,482,800 | 3,938 |
| Average total loans | $82,314,600 | 3,809 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5540% | 1,690 |
| Cost of funding earning assets | 0.6686% | 1,327 |
| Net interest margin | 3.8854% | 2,301 |
| Noninterest income to average assets | 0.4619% | 3,798 |
| Noninterest expense to average assets | 2.3442% | 4,980 |
| Loan and lease loss provision to assets | 0.1374% | 1,818 |
| Net operating income to assets | 0.9185% | 2,825 |
| Return on assets (ROA) | 0.9178% | 2,929 |
| Pretax return on assets | 1.3024% | 2,369 |
| Return on Equity (ROE) | 8.3534% | 3,008 |
| Retained earnings to average equity (ytd only) | 8.3534% | 1,204 |
| Net charge-offs to loans | 0.2353% | 1,638 |
| Credit loss provision to net charge-offs | 93.1034% | 2,376 |
| Earnings coverage of net charge-offs (x) | 9.7654% | 2,625 |
| Efficiency ratio | 61.9355% | 4,891 |
| Assets per employee ($millions) | 3.6429% | 4,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3069% | 3,607 |
| Loan loss allowance to noncurrent loans | 212.2523% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.4822% | 4,448 |
| Noncurrent loans to loans | 0.6157% | 4,079 |
| Net loans and leases to total assets | 65.9972% | 2,871 |
| Net loans and leases to deposits | 74.5977% | 3,356 |
| Net loans and leases to core deposits | 79.7484% | 3,340 |
| Total domestic deposits to total assets | 88.4709% | 1,514 |
| Equity capital to assets | 11.1322% | 2,835 |
| Core capital (leverage) ratio | 11.4415% | 2,107 |
| Tier 1 risk-based capital ratio | 12.7838% | 4,986 |
| Total risk-based capital ratio | 13.7705% | 5,094 |
| Memoranda: | ||
| Average total assets | $131,041,000 | 3,986 |
| Average earning assets | $112,074,250 | 4,169 |
| Average equity | $14,397,000 | 3,981 |
| Average total loans | $82,147,750 | 3,842 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4746% | 1,913 |
| Cost of funding earning assets | 0.6563% | 1,462 |
| Net interest margin | 3.8182% | 2,492 |
| Noninterest income to average assets | 0.4623% | 3,771 |
| Noninterest expense to average assets | 2.3222% | 5,101 |
| Loan and lease loss provision to assets | 0.1387% | 1,788 |
| Net operating income to assets | 0.8578% | 3,025 |
| Return on assets (ROA) | 0.8568% | 3,132 |
| Pretax return on assets | 1.2451% | 2,483 |
| Return on Equity (ROE) | 7.8341% | 3,193 |
| Retained earnings to average equity (ytd only) | 7.8341% | 1,386 |
| Net charge-offs to loans | 0.3221% | 1,262 |
| Credit loss provision to net charge-offs | 70.3125% | 2,470 |
| Earnings coverage of net charge-offs (x) | 7.0234% | 2,689 |
| Efficiency ratio | 62.6351% | 4,918 |
| Assets per employee ($millions) | 3.6952% | 4,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3257% | 3,724 |
| Loan loss allowance to noncurrent loans | 272.5118% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.4563% | 4,631 |
| Noncurrent loans to loans | 0.4865% | 4,538 |
| Net loans and leases to total assets | 64.3459% | 3,022 |
| Net loans and leases to deposits | 72.5425% | 3,499 |
| Net loans and leases to core deposits | 77.7669% | 3,469 |
| Total domestic deposits to total assets | 88.7009% | 1,534 |
| Equity capital to assets | 10.9984% | 2,876 |
| Core capital (leverage) ratio | 11.8023% | 1,785 |
| Tier 1 risk-based capital ratio | 12.7781% | 5,052 |
| Total risk-based capital ratio | 13.7632% | 5,144 |
| Memoranda: | ||
| Average total assets | $129,791,670 | 4,039 |
| Average earning assets | $110,312,670 | 4,237 |
| Average equity | $14,194,330 | 4,012 |
| Average total loans | $79,485,330 | 3,922 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4038% | 2,122 |
| Cost of funding earning assets | 0.6686% | 1,447 |
| Net interest margin | 3.7352% | 2,724 |
| Noninterest income to average assets | 0.4619% | 3,697 |
| Noninterest expense to average assets | 2.3219% | 5,142 |
| Loan and lease loss provision to assets | 0.1404% | 1,732 |
| Net operating income to assets | 0.7228% | 3,574 |
| Return on assets (ROA) | 0.7147% | 3,692 |
| Pretax return on assets | 1.1079% | 2,869 |
| Return on Equity (ROE) | 6.5541% | 3,713 |
| Retained earnings to average equity (ytd only) | 6.5541% | 2,250 |
| Net charge-offs to loans | 0.3322% | 1,077 |
| Credit loss provision to net charge-offs | 71.4286% | 1,983 |
| Earnings coverage of net charge-offs (x) | 6.4127% | 2,223 |
| Efficiency ratio | 64.8084% | 4,729 |
| Assets per employee ($millions) | 3.7536% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5191% | 3,063 |
| Loan loss allowance to noncurrent loans | 311.1702% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.4137% | 4,900 |
| Noncurrent loans to loans | 0.4882% | 4,695 |
| Net loans and leases to total assets | 59.4341% | 3,647 |
| Net loans and leases to deposits | 67.0453% | 3,967 |
| Net loans and leases to core deposits | 69.9913% | 4,096 |
| Total domestic deposits to total assets | 88.6477% | 1,866 |
| Equity capital to assets | 11.0898% | 2,635 |
| Core capital (leverage) ratio | 11.1804% | 2,239 |
| Tier 1 risk-based capital ratio | 13.2674% | 4,844 |
| Total risk-based capital ratio | 14.3313% | 4,894 |
| Memoranda: | ||
| Average total assets | $128,173,500 | 4,097 |
| Average earning assets | $107,090,000 | 4,339 |
| Average equity | $13,976,000 | 4,050 |
| Average total loans | $75,854,000 | 4,075 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5652% | 1,976 |
| Cost of funding earning assets | 0.7371% | 1,578 |
| Net interest margin | 3.8281% | 2,541 |
| Noninterest income to average assets | 0.4961% | 3,787 |
| Noninterest expense to average assets | 2.2166% | 5,588 |
| Loan and lease loss provision to assets | 0.0557% | 4,034 |
| Net operating income to assets | 0.9628% | 2,504 |
| Return on assets (ROA) | 0.9740% | 2,515 |
| Pretax return on assets | 1.4613% | 1,577 |
| Return on Equity (ROE) | 9.0267% | 2,519 |
| Retained earnings to average equity (ytd only) | 5.7108% | 2,154 |
| Net charge-offs to loans | 0.2784% | 2,308 |
| Credit loss provision to net charge-offs | 35.3535% | 4,144 |
| Earnings coverage of net charge-offs (x) | 9.5303% | 2,491 |
| Efficiency ratio | 59.6364% | 5,517 |
| Assets per employee ($millions) | 3.9008% | 4,063 |
| Cash dividends to net income (ytd only)* | 36.7347% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5906% | 2,792 |
| Loan loss allowance to noncurrent loans | 201.6978% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.5088% | 4,716 |
| Noncurrent loans to loans | 0.7886% | 4,004 |
| Net loans and leases to total assets | 57.0977% | 4,180 |
| Net loans and leases to deposits | 64.1425% | 4,493 |
| Net loans and leases to core deposits | 66.5589% | 4,650 |
| Total domestic deposits to total assets | 89.0169% | 1,608 |
| Equity capital to assets | 10.7198% | 2,914 |
| Core capital (leverage) ratio | 11.3132% | 2,107 |
| Tier 1 risk-based capital ratio | 12.8652% | 5,071 |
| Total risk-based capital ratio | 13.9294% | 5,135 |
| Memoranda: | ||
| Average total assets | $125,775,800 | 4,146 |
| Average earning assets | $105,823,200 | 4,368 |
| Average equity | $13,570,800 | 4,149 |
| Average total loans | $71,124,400 | 4,222 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5677% | 1,983 |
| Cost of funding earning assets | 0.7539% | 1,576 |
| Net interest margin | 3.8138% | 2,594 |
| Noninterest income to average assets | 0.5097% | 3,738 |
| Noninterest expense to average assets | 2.1412% | 5,744 |
| Loan and lease loss provision to assets | 0.0746% | 3,563 |
| Net operating income to assets | 1.0328% | 2,248 |
| Return on assets (ROA) | 1.0365% | 2,318 |
| Pretax return on assets | 1.5035% | 1,597 |
| Return on Equity (ROE) | 9.5900% | 2,356 |
| Retained earnings to average equity (ytd only) | 9.5900% | 885 |
| Net charge-offs to loans | -0.0019% | 5,683 |
| Credit loss provision to net charge-offs | -7,000.0000% | 6,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6514% | 5,732 |
| Assets per employee ($millions) | 3.7433% | 4,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7491% | 2,455 |
| Loan loss allowance to noncurrent loans | 123.2889% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.9389% | 3,788 |
| Noncurrent loans to loans | 1.4187% | 3,041 |
| Net loans and leases to total assets | 61.2177% | 3,487 |
| Net loans and leases to deposits | 68.9142% | 3,946 |
| Net loans and leases to core deposits | 71.5435% | 4,144 |
| Total domestic deposits to total assets | 88.8318% | 1,649 |
| Equity capital to assets | 10.7706% | 2,988 |
| Core capital (leverage) ratio | 11.3409% | 2,172 |
| Tier 1 risk-based capital ratio | 13.0752% | 5,073 |
| Total risk-based capital ratio | 14.3256% | 5,026 |
| Memoranda: | ||
| Average total assets | $125,038,500 | 4,204 |
| Average earning assets | $105,054,500 | 4,427 |
| Average equity | $13,513,750 | 4,206 |
| Average total loans | $70,233,750 | 4,296 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5780% | 1,916 |
| Cost of funding earning assets | 0.7711% | 1,577 |
| Net interest margin | 3.8069% | 2,533 |
| Noninterest income to average assets | 0.5004% | 3,826 |
| Noninterest expense to average assets | 2.1594% | 5,726 |
| Loan and lease loss provision to assets | 0.1126% | 2,932 |
| Net operating income to assets | 0.9470% | 2,584 |
| Return on assets (ROA) | 0.9526% | 2,705 |
| Pretax return on assets | 1.3903% | 1,971 |
| Return on Equity (ROE) | 8.8036% | 2,712 |
| Retained earnings to average equity (ytd only) | 8.8036% | 1,186 |
| Net charge-offs to loans | -0.2500% | 6,720 |
| Credit loss provision to net charge-offs | -83.3333% | 5,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0929% | 5,593 |
| Assets per employee ($millions) | 3.5457% | 4,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0163% | 1,815 |
| Loan loss allowance to noncurrent loans | 284.3327% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.6545% | 4,590 |
| Noncurrent loans to loans | 0.7091% | 4,514 |
| Net loans and leases to total assets | 59.2559% | 3,789 |
| Net loans and leases to deposits | 66.9736% | 4,152 |
| Net loans and leases to core deposits | 69.6882% | 4,300 |
| Total domestic deposits to total assets | 88.4766% | 1,932 |
| Equity capital to assets | 11.1883% | 2,562 |
| Core capital (leverage) ratio | 11.1545% | 2,211 |
| Tier 1 risk-based capital ratio | 13.4407% | 4,813 |
| Total risk-based capital ratio | 14.6925% | 4,770 |
| Memoranda: | ||
| Average total assets | $124,294,000 | 4,253 |
| Average earning assets | $102,971,000 | 4,498 |
| Average equity | $13,449,000 | 4,251 |
| Average total loans | $67,211,670 | 4,416 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4195% | 2,452 |
| Cost of funding earning assets | 0.7922% | 1,573 |
| Net interest margin | 3.6272% | 3,153 |
| Noninterest income to average assets | 0.4883% | 3,860 |
| Noninterest expense to average assets | 2.1654% | 5,769 |
| Loan and lease loss provision to assets | 0.2093% | 1,774 |
| Net operating income to assets | 0.6935% | 3,721 |
| Return on assets (ROA) | 0.7038% | 3,809 |
| Pretax return on assets | 1.0906% | 2,992 |
| Return on Equity (ROE) | 6.6123% | 3,708 |
| Retained earnings to average equity (ytd only) | 6.6123% | 2,360 |
| Net charge-offs to loans | 0.4350% | 1,365 |
| Credit loss provision to net charge-offs | 94.2857% | 1,949 |
| Earnings coverage of net charge-offs (x) | 5.7857% | 2,323 |
| Efficiency ratio | 62.7757% | 5,184 |
| Assets per employee ($millions) | 3.7426% | 4,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9866% | 2,081 |
| Loan loss allowance to noncurrent loans | 178.7466% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.6876% | 4,654 |
| Noncurrent loans to loans | 1.1114% | 3,924 |
| Net loans and leases to total assets | 50.8696% | 4,868 |
| Net loans and leases to deposits | 57.1617% | 5,119 |
| Net loans and leases to core deposits | 59.3139% | 5,213 |
| Total domestic deposits to total assets | 88.9924% | 1,688 |
| Equity capital to assets | 10.6343% | 3,395 |
| Core capital (leverage) ratio | 10.4942% | 2,783 |
| Tier 1 risk-based capital ratio | 12.4890% | 5,584 |
| Total risk-based capital ratio | 13.7053% | 5,554 |
| Memoranda: | ||
| Average total assets | $126,163,500 | 4,259 |
| Average earning assets | $102,998,500 | 4,540 |
| Average equity | $13,429,500 | 4,300 |
| Average total loans | $64,364,500 | 4,548 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1415% | 1,228 |
| Cost of funding earning assets | 1.0605% | 1,073 |
| Net interest margin | 4.0809% | 2,081 |
| Noninterest income to average assets | 0.5568% | 3,528 |
| Noninterest expense to average assets | 2.2404% | 5,835 |
| Loan and lease loss provision to assets | 0.3619% | 1,833 |
| Net operating income to assets | 0.7301% | 3,605 |
| Return on assets (ROA) | 0.7517% | 3,746 |
| Pretax return on assets | 1.1753% | 2,884 |
| Return on Equity (ROE) | 6.9777% | 3,649 |
| Retained earnings to average equity (ytd only) | 4.3057% | 3,195 |
| Net charge-offs to loans | 0.4608% | 2,392 |
| Credit loss provision to net charge-offs | 141.9355% | 1,930 |
| Earnings coverage of net charge-offs (x) | 5.8968% | 2,921 |
| Efficiency ratio | 59.8418% | 5,565 |
| Assets per employee ($millions) | 4.0348% | 3,878 |
| Cash dividends to net income (ytd only)* | 38.2932% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0994% | 1,771 |
| Loan loss allowance to noncurrent loans | 277.6371% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.4813% | 5,270 |
| Noncurrent loans to loans | 0.7561% | 4,671 |
| Net loans and leases to total assets | 49.0654% | 5,300 |
| Net loans and leases to deposits | 55.0947% | 5,543 |
| Net loans and leases to core deposits | 56.7148% | 5,659 |
| Total domestic deposits to total assets | 89.0564% | 1,523 |
| Equity capital to assets | 10.6550% | 3,332 |
| Core capital (leverage) ratio | 10.7500% | 2,494 |
| Tier 1 risk-based capital ratio | 12.5720% | 5,426 |
| Total risk-based capital ratio | 13.8208% | 5,379 |
| Memoranda: | ||
| Average total assets | $121,586,800 | 4,324 |
| Average earning assets | $94,953,600 | 4,731 |
| Average equity | $13,098,800 | 4,337 |
| Average total loans | $67,268,800 | 4,448 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2845% | 1,039 |
| Cost of funding earning assets | 1.1114% | 1,022 |
| Net interest margin | 4.1731% | 1,817 |
| Noninterest income to average assets | 0.5644% | 3,513 |
| Noninterest expense to average assets | 2.2355% | 5,864 |
| Loan and lease loss provision to assets | 0.4528% | 1,378 |
| Net operating income to assets | 0.7307% | 3,771 |
| Return on assets (ROA) | 0.7555% | 3,920 |
| Pretax return on assets | 1.1443% | 3,183 |
| Return on Equity (ROE) | 6.9928% | 3,821 |
| Retained earnings to average equity (ytd only) | 3.4146% | 4,461 |
| Net charge-offs to loans | 0.5028% | 2,107 |
| Credit loss provision to net charge-offs | 158.9147% | 1,763 |
| Earnings coverage of net charge-offs (x) | 5.4729% | 3,010 |
| Efficiency ratio | 58.9057% | 5,677 |
| Assets per employee ($millions) | 3.8921% | 4,106 |
| Cash dividends to net income (ytd only)* | 51.1700% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8725% | 2,573 |
| Loan loss allowance to noncurrent loans | 306.8807% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.6175% | 5,128 |
| Noncurrent loans to loans | 0.6102% | 5,214 |
| Net loans and leases to total assets | 58.1131% | 4,117 |
| Net loans and leases to deposits | 65.6072% | 4,516 |
| Net loans and leases to core deposits | 67.4526% | 4,784 |
| Total domestic deposits to total assets | 88.5774% | 1,675 |
| Equity capital to assets | 10.8482% | 3,445 |
| Core capital (leverage) ratio | 11.0127% | 2,365 |
| Tier 1 risk-based capital ratio | 12.8573% | 5,364 |
| Total risk-based capital ratio | 14.1085% | 5,330 |
| Memoranda: | ||
| Average total assets | $120,714,000 | 4,384 |
| Average earning assets | $93,453,500 | 4,815 |
| Average equity | $13,041,750 | 4,386 |
| Average total loans | $68,414,500 | 4,450 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5517% | 642 |
| Cost of funding earning assets | 1.2186% | 756 |
| Net interest margin | 4.3331% | 1,384 |
| Noninterest income to average assets | 0.5649% | 3,489 |
| Noninterest expense to average assets | 2.2181% | 5,952 |
| Loan and lease loss provision to assets | 0.4307% | 1,513 |
| Net operating income to assets | 0.7485% | 3,611 |
| Return on assets (ROA) | 0.7736% | 3,774 |
| Pretax return on assets | 1.1215% | 3,227 |
| Return on Equity (ROE) | 7.1703% | 3,687 |
| Retained earnings to average equity (ytd only) | 7.1703% | 2,008 |
| Net charge-offs to loans | 0.6172% | 1,780 |
| Credit loss provision to net charge-offs | 125.0000% | 2,191 |
| Earnings coverage of net charge-offs (x) | 4.3990% | 3,101 |
| Efficiency ratio | 59.4055% | 5,678 |
| Assets per employee ($millions) | 3.6288% | 4,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7994% | 2,859 |
| Loan loss allowance to noncurrent loans | 131.4225% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 1.0902% | 4,199 |
| Noncurrent loans to loans | 1.3692% | 3,863 |
| Net loans and leases to total assets | 58.1805% | 4,128 |
| Net loans and leases to deposits | 66.0349% | 4,507 |
| Net loans and leases to core deposits | 67.7765% | 4,815 |
| Total domestic deposits to total assets | 88.1057% | 2,072 |
| Equity capital to assets | 11.4206% | 2,672 |
| Core capital (leverage) ratio | 10.9630% | 2,339 |
| Tier 1 risk-based capital ratio | 13.0465% | 5,157 |
| Total risk-based capital ratio | 14.2747% | 5,144 |
| Memoranda: | ||
| Average total assets | $120,733,330 | 4,409 |
| Average earning assets | $88,296,670 | 4,985 |
| Average equity | $13,026,000 | 4,390 |
| Average total loans | $67,401,000 | 4,507 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6349% | 587 |
| Cost of funding earning assets | 1.3194% | 584 |
| Net interest margin | 4.3155% | 1,419 |
| Noninterest income to average assets | 0.5267% | 3,722 |
| Noninterest expense to average assets | 2.1294% | 6,203 |
| Loan and lease loss provision to assets | 0.3901% | 1,618 |
| Net operating income to assets | 0.7533% | 3,607 |
| Return on assets (ROA) | 0.7510% | 3,854 |
| Pretax return on assets | 1.0663% | 3,451 |
| Return on Equity (ROE) | 7.1584% | 3,683 |
| Retained earnings to average equity (ytd only) | 7.1584% | 2,346 |
| Net charge-offs to loans | 0.3718% | 2,195 |
| Credit loss provision to net charge-offs | 193.5484% | 1,369 |
| Earnings coverage of net charge-offs (x) | 7.2419% | 2,099 |
| Efficiency ratio | 59.3297% | 5,718 |
| Assets per employee ($millions) | 3.9235% | 4,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8698% | 2,773 |
| Loan loss allowance to noncurrent loans | 82.0580% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.5308% | 3,564 |
| Noncurrent loans to loans | 2.2786% | 2,823 |
| Net loans and leases to total assets | 52.0004% | 5,028 |
| Net loans and leases to deposits | 58.2835% | 5,343 |
| Net loans and leases to core deposits | 59.5465% | 5,572 |
| Total domestic deposits to total assets | 89.2197% | 1,541 |
| Equity capital to assets | 10.3462% | 3,676 |
| Core capital (leverage) ratio | 10.5614% | 2,684 |
| Tier 1 risk-based capital ratio | 11.6227% | 6,206 |
| Total risk-based capital ratio | 12.7422% | 6,269 |
| Memoranda: | ||
| Average total assets | $123,038,500 | 4,379 |
| Average earning assets | $87,313,000 | 5,047 |
| Average equity | $12,908,000 | 4,418 |
| Average total loans | $66,702,000 | 4,557 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8081% | 634 |
| Cost of funding earning assets | 1.5452% | 598 |
| Net interest margin | 4.2628% | 1,830 |
| Noninterest income to average assets | 0.5974% | 3,179 |
| Noninterest expense to average assets | 2.2614% | 6,145 |
| Loan and lease loss provision to assets | 0.6413% | 1,592 |
| Net operating income to assets | 0.6620% | 3,682 |
| Return on assets (ROA) | 0.6620% | 3,866 |
| Pretax return on assets | 0.9624% | 3,383 |
| Return on Equity (ROE) | 6.0404% | 3,853 |
| Retained earnings to average equity (ytd only) | 2.6235% | 4,360 |
| Net charge-offs to loans | 1.0079% | 1,725 |
| Credit loss provision to net charge-offs | 107.6590% | 3,136 |
| Earnings coverage of net charge-offs (x) | 2.6922% | 3,863 |
| Efficiency ratio | 58.5078% | 5,984 |
| Assets per employee ($millions) | 4.0175% | 3,813 |
| Cash dividends to net income (ytd only)* | 56.5670% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7735% | 2,954 |
| Loan loss allowance to noncurrent loans | 84.4729% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 1.5350% | 3,651 |
| Noncurrent loans to loans | 2.0995% | 3,066 |
| Net loans and leases to total assets | 54.5003% | 4,950 |
| Net loans and leases to deposits | 61.3183% | 5,336 |
| Net loans and leases to core deposits | 62.3438% | 5,619 |
| Total domestic deposits to total assets | 88.8811% | 1,614 |
| Equity capital to assets | 10.6419% | 3,373 |
| Core capital (leverage) ratio | 10.6787% | 2,544 |
| Tier 1 risk-based capital ratio | 12.0034% | 5,835 |
| Total risk-based capital ratio | 13.1258% | 5,900 |
| Memoranda: | ||
| Average total assets | $116,168,200 | 4,497 |
| Average earning assets | $89,048,600 | 4,960 |
| Average equity | $12,731,000 | 4,387 |
| Average total loans | $68,660,200 | 4,542 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8364% | 652 |
| Cost of funding earning assets | 1.5979% | 586 |
| Net interest margin | 4.2386% | 1,953 |
| Noninterest income to average assets | 0.6048% | 3,139 |
| Noninterest expense to average assets | 2.2813% | 6,085 |
| Loan and lease loss provision to assets | 0.4171% | 2,379 |
| Net operating income to assets | 0.7716% | 3,294 |
| Return on assets (ROA) | 0.7716% | 3,456 |
| Pretax return on assets | 1.1980% | 2,643 |
| Return on Equity (ROE) | 6.9880% | 3,533 |
| Retained earnings to average equity (ytd only) | 5.3092% | 2,986 |
| Net charge-offs to loans | 0.9859% | 1,636 |
| Credit loss provision to net charge-offs | 70.4501% | 4,472 |
| Earnings coverage of net charge-offs (x) | 2.7280% | 3,763 |
| Efficiency ratio | 58.5489% | 5,928 |
| Assets per employee ($millions) | 3.8996% | 4,074 |
| Cash dividends to net income (ytd only)* | 24.0242% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3272% | 4,891 |
| Loan loss allowance to noncurrent loans | 54.8297% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 1.7275% | 3,505 |
| Noncurrent loans to loans | 2.4205% | 2,860 |
| Net loans and leases to total assets | 62.4076% | 3,631 |
| Net loans and leases to deposits | 70.7571% | 4,174 |
| Net loans and leases to core deposits | 72.1899% | 4,689 |
| Total domestic deposits to total assets | 88.1997% | 1,927 |
| Equity capital to assets | 11.1284% | 3,025 |
| Core capital (leverage) ratio | 11.2016% | 2,229 |
| Tier 1 risk-based capital ratio | 12.2993% | 5,666 |
| Total risk-based capital ratio | 13.2388% | 5,890 |
| Memoranda: | ||
| Average total assets | $115,079,250 | 4,553 |
| Average earning assets | $89,367,500 | 4,969 |
| Average equity | $12,707,250 | 4,404 |
| Average total loans | $69,107,250 | 4,566 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7432% | 808 |
| Cost of funding earning assets | 1.6358% | 607 |
| Net interest margin | 4.1075% | 2,382 |
| Noninterest income to average assets | 0.5854% | 3,228 |
| Noninterest expense to average assets | 2.2684% | 6,202 |
| Loan and lease loss provision to assets | 0.4194% | 2,337 |
| Net operating income to assets | 0.6588% | 3,751 |
| Return on assets (ROA) | 0.6588% | 3,875 |
| Pretax return on assets | 1.0748% | 2,956 |
| Return on Equity (ROE) | 5.9825% | 3,984 |
| Retained earnings to average equity (ytd only) | 5.9825% | 2,445 |
| Net charge-offs to loans | 1.0344% | 1,520 |
| Credit loss provision to net charge-offs | 68.7679% | 4,083 |
| Earnings coverage of net charge-offs (x) | 2.4499% | 3,595 |
| Efficiency ratio | 60.2880% | 5,828 |
| Assets per employee ($millions) | 3.8155% | 4,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4219% | 4,474 |
| Loan loss allowance to noncurrent loans | 83.6601% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 1.3314% | 4,234 |
| Noncurrent loans to loans | 1.6996% | 3,885 |
| Net loans and leases to total assets | 62.0230% | 3,881 |
| Net loans and leases to deposits | 70.5089% | 4,367 |
| Net loans and leases to core deposits | 71.9728% | 4,822 |
| Total domestic deposits to total assets | 87.9648% | 2,160 |
| Equity capital to assets | 11.2559% | 2,718 |
| Core capital (leverage) ratio | 11.1042% | 2,168 |
| Tier 1 risk-based capital ratio | 12.7844% | 5,104 |
| Total risk-based capital ratio | 13.8130% | 5,255 |
| Memoranda: | ||
| Average total assets | $114,442,670 | 4,600 |
| Average earning assets | $88,521,670 | 5,038 |
| Average equity | $12,603,330 | 4,416 |
| Average total loans | $67,479,000 | 4,659 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7586% | 791 |
| Cost of funding earning assets | 1.7434% | 464 |
| Net interest margin | 4.0153% | 2,623 |
| Noninterest income to average assets | 0.5523% | 3,492 |
| Noninterest expense to average assets | 2.2127% | 6,392 |
| Loan and lease loss provision to assets | 0.4195% | 2,091 |
| Net operating income to assets | 0.5418% | 4,306 |
| Return on assets (ROA) | 0.5418% | 4,385 |
| Pretax return on assets | 0.9473% | 3,330 |
| Return on Equity (ROE) | 4.9747% | 4,421 |
| Retained earnings to average equity (ytd only) | 4.9747% | 3,212 |
| Net charge-offs to loans | 0.5827% | 2,029 |
| Credit loss provision to net charge-offs | 126.3158% | 2,179 |
| Earnings coverage of net charge-offs (x) | 4.1158% | 2,557 |
| Efficiency ratio | 61.8164% | 5,709 |
| Assets per employee ($millions) | 3.8499% | 4,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7632% | 3,124 |
| Loan loss allowance to noncurrent loans | 68.7240% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 1.4624% | 4,068 |
| Noncurrent loans to loans | 2.5657% | 2,926 |
| Net loans and leases to total assets | 55.8603% | 5,017 |
| Net loans and leases to deposits | 63.0511% | 5,375 |
| Net loans and leases to core deposits | 64.3388% | 5,690 |
| Total domestic deposits to total assets | 88.5954% | 2,020 |
| Equity capital to assets | 10.8592% | 2,815 |
| Core capital (leverage) ratio | 10.6715% | 2,457 |
| Tier 1 risk-based capital ratio | 12.4678% | 5,294 |
| Total risk-based capital ratio | 13.6224% | 5,364 |
| Memoranda: | ||
| Average total assets | $114,432,000 | 4,632 |
| Average earning assets | $86,270,500 | 5,154 |
| Average equity | $12,463,000 | 4,456 |
| Average total loans | $65,209,500 | 4,799 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0596% | 756 |
| Cost of funding earning assets | 1.8090% | 1,131 |
| Net interest margin | 4.2506% | 1,992 |
| Noninterest income to average assets | 0.7255% | 2,673 |
| Noninterest expense to average assets | 2.4099% | 6,074 |
| Loan and lease loss provision to assets | 0.4507% | 3,425 |
| Net operating income to assets | 0.8991% | 2,389 |
| Return on assets (ROA) | 0.9034% | 2,508 |
| Pretax return on assets | 1.3805% | 1,710 |
| Return on Equity (ROE) | 7.8162% | 2,772 |
| Retained earnings to average equity (ytd only) | 5.3736% | 2,197 |
| Net charge-offs to loans | 0.5715% | 3,340 |
| Credit loss provision to net charge-offs | 123.4536% | 3,361 |
| Earnings coverage of net charge-offs (x) | 4.9974% | 2,742 |
| Efficiency ratio | 56.9111% | 6,472 |
| Assets per employee ($millions) | 3.6570% | 4,564 |
| Cash dividends to net income (ytd only)* | 31.2500% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7500% | 3,028 |
| Loan loss allowance to noncurrent loans | 85.6387% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 1.2455% | 4,533 |
| Noncurrent loans to loans | 2.0434% | 3,494 |
| Net loans and leases to total assets | 56.1107% | 5,328 |
| Net loans and leases to deposits | 63.3260% | 5,705 |
| Net loans and leases to core deposits | 64.9291% | 5,986 |
| Total domestic deposits to total assets | 88.6060% | 1,887 |
| Equity capital to assets | 10.9238% | 2,752 |
| Core capital (leverage) ratio | 11.1061% | 2,080 |
| Tier 1 risk-based capital ratio | 12.4960% | 5,025 |
| Total risk-based capital ratio | 13.6423% | 5,096 |
| Memoranda: | ||
| Average total assets | $106,268,600 | 4,819 |
| Average earning assets | $87,728,000 | 5,085 |
| Average equity | $12,282,200 | 4,535 |
| Average total loans | $67,892,000 | 4,755 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0103% | 912 |
| Cost of funding earning assets | 1.8026% | 1,409 |
| Net interest margin | 4.2077% | 2,189 |
| Noninterest income to average assets | 0.7439% | 2,556 |
| Noninterest expense to average assets | 2.4511% | 5,879 |
| Loan and lease loss provision to assets | 0.3177% | 4,045 |
| Net operating income to assets | 1.0690% | 2,008 |
| Return on assets (ROA) | 1.0744% | 2,097 |
| Pretax return on assets | 1.5388% | 1,509 |
| Return on Equity (ROE) | 9.1594% | 2,433 |
| Retained earnings to average equity (ytd only) | 9.1594% | 1,003 |
| Net charge-offs to loans | 0.5339% | 3,168 |
| Credit loss provision to net charge-offs | 90.5455% | 4,739 |
| Earnings coverage of net charge-offs (x) | 5.2691% | 2,790 |
| Efficiency ratio | 57.0030% | 6,411 |
| Assets per employee ($millions) | 3.3583% | 5,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3882% | 4,529 |
| Loan loss allowance to noncurrent loans | 85.8833% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 1.2088% | 4,729 |
| Noncurrent loans to loans | 1.6164% | 4,219 |
| Net loans and leases to total assets | 67.1595% | 3,422 |
| Net loans and leases to deposits | 76.9771% | 4,013 |
| Net loans and leases to core deposits | 79.0634% | 4,651 |
| Total domestic deposits to total assets | 87.2461% | 2,400 |
| Equity capital to assets | 11.9025% | 2,224 |
| Core capital (leverage) ratio | 11.9555% | 1,693 |
| Tier 1 risk-based capital ratio | 13.5635% | 4,151 |
| Total risk-based capital ratio | 14.6631% | 4,224 |
| Memoranda: | ||
| Average total assets | $104,494,000 | 4,920 |
| Average earning assets | $88,313,000 | 5,135 |
| Average equity | $12,256,750 | 4,609 |
| Average total loans | $68,679,000 | 4,801 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0024% | 945 |
| Cost of funding earning assets | 1.8587% | 1,387 |
| Net interest margin | 4.1437% | 2,357 |
| Noninterest income to average assets | 0.7497% | 2,394 |
| Noninterest expense to average assets | 2.4695% | 5,838 |
| Loan and lease loss provision to assets | 0.2879% | 4,090 |
| Net operating income to assets | 1.0026% | 2,189 |
| Return on assets (ROA) | 1.0106% | 2,228 |
| Pretax return on assets | 1.4589% | 1,674 |
| Return on Equity (ROE) | 8.6599% | 2,599 |
| Retained earnings to average equity (ytd only) | 8.6599% | 1,209 |
| Net charge-offs to loans | 0.4972% | 3,048 |
| Credit loss provision to net charge-offs | 89.2216% | 4,446 |
| Earnings coverage of net charge-offs (x) | 5.3772% | 2,680 |
| Efficiency ratio | 58.7316% | 6,269 |
| Assets per employee ($millions) | 3.2325% | 5,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4432% | 4,215 |
| Loan loss allowance to noncurrent loans | 118.5185% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.9774% | 5,184 |
| Noncurrent loans to loans | 1.2177% | 4,930 |
| Net loans and leases to total assets | 67.6009% | 3,473 |
| Net loans and leases to deposits | 77.5089% | 4,079 |
| Net loans and leases to core deposits | 78.7573% | 4,838 |
| Total domestic deposits to total assets | 87.2169% | 2,425 |
| Equity capital to assets | 12.0213% | 2,082 |
| Core capital (leverage) ratio | 11.7112% | 1,799 |
| Tier 1 risk-based capital ratio | 13.5473% | 4,040 |
| Total risk-based capital ratio | 14.6831% | 4,077 |
| Memoranda: | ||
| Average total assets | $103,503,670 | 4,977 |
| Average earning assets | $86,298,670 | 5,227 |
| Average equity | $12,078,670 | 4,658 |
| Average total loans | $67,175,670 | 4,895 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0504% | 884 |
| Cost of funding earning assets | 1.9566% | 1,222 |
| Net interest margin | 4.0937% | 2,468 |
| Noninterest income to average assets | 0.7727% | 2,158 |
| Noninterest expense to average assets | 2.5035% | 5,713 |
| Loan and lease loss provision to assets | 0.2666% | 3,892 |
| Net operating income to assets | 0.9118% | 2,500 |
| Return on assets (ROA) | 0.9118% | 2,569 |
| Pretax return on assets | 1.3329% | 1,957 |
| Return on Equity (ROE) | 7.9324% | 2,915 |
| Retained earnings to average equity (ytd only) | 7.9324% | 1,733 |
| Net charge-offs to loans | 0.5330% | 2,467 |
| Credit loss provision to net charge-offs | 79.3103% | 3,897 |
| Earnings coverage of net charge-offs (x) | 4.7586% | 2,561 |
| Efficiency ratio | 61.0169% | 6,002 |
| Assets per employee ($millions) | 3.3826% | 5,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5660% | 3,598 |
| Loan loss allowance to noncurrent loans | 115.3153% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.9842% | 5,177 |
| Noncurrent loans to loans | 1.3580% | 4,705 |
| Net loans and leases to total assets | 61.3813% | 4,880 |
| Net loans and leases to deposits | 69.8602% | 5,364 |
| Net loans and leases to core deposits | 71.7999% | 5,738 |
| Total domestic deposits to total assets | 87.8630% | 2,136 |
| Equity capital to assets | 11.4657% | 2,388 |
| Core capital (leverage) ratio | 11.3748% | 1,984 |
| Tier 1 risk-based capital ratio | 12.6962% | 4,566 |
| Total risk-based capital ratio | 13.7859% | 4,672 |
| Memoranda: | ||
| Average total assets | $103,535,000 | 5,042 |
| Average earning assets | $84,226,000 | 5,355 |
| Average equity | $11,900,500 | 4,742 |
| Average total loans | $65,288,000 | 5,029 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2101% | 1,216 |
| Cost of funding earning assets | 2.2444% | 1,857 |
| Net interest margin | 3.9658% | 3,000 |
| Noninterest income to average assets | 0.8494% | 2,180 |
| Noninterest expense to average assets | 2.7115% | 5,336 |
| Loan and lease loss provision to assets | 0.3044% | 4,994 |
| Net operating income to assets | 0.8558% | 2,325 |
| Return on assets (ROA) | 0.8565% | 2,399 |
| Pretax return on assets | 1.2664% | 1,791 |
| Return on Equity (ROE) | 7.1705% | 2,725 |
| Retained earnings to average equity (ytd only) | 2.2854% | 3,514 |
| Net charge-offs to loans | 0.4306% | 4,075 |
| Credit loss provision to net charge-offs | 110.2941% | 4,990 |
| Earnings coverage of net charge-offs (x) | 5.6875% | 2,520 |
| Efficiency ratio | 63.3325% | 5,905 |
| Assets per employee ($millions) | 3.1940% | 5,736 |
| Cash dividends to net income (ytd only)* | 68.1280% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5985% | 3,287 |
| Loan loss allowance to noncurrent loans | 126.3030% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.8072% | 5,488 |
| Noncurrent loans to loans | 1.2656% | 4,819 |
| Net loans and leases to total assets | 62.7587% | 4,856 |
| Net loans and leases to deposits | 71.4620% | 5,408 |
| Net loans and leases to core deposits | 90.0609% | 5,119 |
| Total domestic deposits to total assets | 87.8210% | 2,065 |
| Equity capital to assets | 11.5234% | 2,302 |
| Core capital (leverage) ratio | 11.4742% | 1,930 |
| Tier 1 risk-based capital ratio | 12.8942% | 4,215 |
| Total risk-based capital ratio | 14.0435% | 4,237 |
| Memoranda: | ||
| Average total assets | $98,544,000 | 5,125 |
| Average earning assets | $85,280,000 | 5,288 |
| Average equity | $11,770,400 | 4,800 |
| Average total loans | $63,173,200 | 5,130 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1402% | 1,525 |
| Cost of funding earning assets | 2.2776% | 2,076 |
| Net interest margin | 3.8626% | 3,377 |
| Noninterest income to average assets | 0.8618% | 2,138 |
| Noninterest expense to average assets | 2.8065% | 4,868 |
| Loan and lease loss provision to assets | 0.2458% | 4,993 |
| Net operating income to assets | 0.7252% | 3,119 |
| Return on assets (ROA) | 0.7252% | 3,183 |
| Pretax return on assets | 1.1909% | 2,295 |
| Return on Equity (ROE) | 6.0159% | 3,524 |
| Retained earnings to average equity (ytd only) | 3.1836% | 3,533 |
| Net charge-offs to loans | 0.1574% | 5,134 |
| Credit loss provision to net charge-offs | 243.2432% | 1,788 |
| Earnings coverage of net charge-offs (x) | 14.2168% | 1,616 |
| Efficiency ratio | 66.1410% | 5,336 |
| Assets per employee ($millions) | 3.0718% | 5,982 |
| Cash dividends to net income (ytd only)* | 47.0818% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6469% | 2,819 |
| Loan loss allowance to noncurrent loans | 459.0164% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.2482% | 6,893 |
| Noncurrent loans to loans | 0.3588% | 6,634 |
| Net loans and leases to total assets | 68.0468% | 3,949 |
| Net loans and leases to deposits | 78.3158% | 4,696 |
| Net loans and leases to core deposits | 97.3795% | 4,673 |
| Total domestic deposits to total assets | 86.8877% | 2,241 |
| Equity capital to assets | 12.0858% | 2,198 |
| Core capital (leverage) ratio | 11.9447% | 1,828 |
| Tier 1 risk-based capital ratio | 14.0088% | 3,545 |
| Total risk-based capital ratio | 15.2598% | 3,499 |
| Memoranda: | ||
| Average total assets | $97,627,750 | 5,188 |
| Average earning assets | $85,466,750 | 5,319 |
| Average equity | $11,768,500 | 4,850 |
| Average total loans | $62,669,750 | 5,181 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0766% | 1,871 |
| Cost of funding earning assets | 2.3371% | 2,214 |
| Net interest margin | 3.7394% | 3,795 |
| Noninterest income to average assets | 0.8480% | 2,187 |
| Noninterest expense to average assets | 2.7186% | 5,310 |
| Loan and lease loss provision to assets | 0.2464% | 4,612 |
| Net operating income to assets | 0.6694% | 3,387 |
| Return on assets (ROA) | 0.6694% | 3,499 |
| Pretax return on assets | 1.1190% | 2,565 |
| Return on Equity (ROE) | 5.5578% | 3,834 |
| Retained earnings to average equity (ytd only) | 4.0234% | 3,046 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5661% | 5,450 |
| Assets per employee ($millions) | 2.7031% | 6,824 |
| Cash dividends to net income (ytd only)* | 27.6074% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7335% | 2,233 |
| Loan loss allowance to noncurrent loans | 439.5349% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.2651% | 6,809 |
| Noncurrent loans to loans | 0.3944% | 6,527 |
| Net loans and leases to total assets | 66.0610% | 4,552 |
| Net loans and leases to deposits | 75.9966% | 5,177 |
| Net loans and leases to core deposits | 96.2624% | 4,877 |
| Total domestic deposits to total assets | 86.9263% | 2,293 |
| Equity capital to assets | 12.1365% | 2,125 |
| Core capital (leverage) ratio | 11.8752% | 1,890 |
| Tier 1 risk-based capital ratio | 14.1217% | 3,444 |
| Total risk-based capital ratio | 15.3730% | 3,386 |
| Memoranda: | ||
| Average total assets | $97,404,670 | 5,235 |
| Average earning assets | $84,291,000 | 5,403 |
| Average equity | $11,731,330 | 4,885 |
| Average total loans | $60,890,330 | 5,293 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0252% | 2,254 |
| Cost of funding earning assets | 2.3660% | 2,434 |
| Net interest margin | 3.6592% | 4,067 |
| Noninterest income to average assets | 0.8045% | 2,300 |
| Noninterest expense to average assets | 2.7542% | 4,764 |
| Loan and lease loss provision to assets | 0.2463% | 4,007 |
| Net operating income to assets | 0.4926% | 4,452 |
| Return on assets (ROA) | 0.4926% | 4,640 |
| Pretax return on assets | 0.9399% | 3,566 |
| Return on Equity (ROE) | 4.1054% | 4,883 |
| Retained earnings to average equity (ytd only) | 2.7369% | 4,366 |
| Net charge-offs to loans | -0.1023% | 7,882 |
| Credit loss provision to net charge-offs | -400.0000% | 6,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8958% | 4,604 |
| Assets per employee ($millions) | 2.7373% | 6,789 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8251% | 1,793 |
| Loan loss allowance to noncurrent loans | 423.7354% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.2608% | 6,727 |
| Noncurrent loans to loans | 0.4307% | 6,344 |
| Net loans and leases to total assets | 59.4445% | 5,746 |
| Net loans and leases to deposits | 68.1516% | 6,171 |
| Net loans and leases to core deposits | 85.9408% | 5,908 |
| Total domestic deposits to total assets | 87.2240% | 2,111 |
| Equity capital to assets | 11.8861% | 2,337 |
| Core capital (leverage) ratio | 11.6417% | 2,074 |
| Tier 1 risk-based capital ratio | 13.4734% | 3,882 |
| Total risk-based capital ratio | 14.7233% | 3,803 |
| Memoranda: | ||
| Average total assets | $97,452,000 | 5,256 |
| Average earning assets | $83,516,500 | 5,440 |
| Average equity | $11,692,000 | 4,925 |
| Average total loans | $58,626,500 | 5,422 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4328% | 3,265 |
| Cost of funding earning assets | 2.6694% | 3,318 |
| Net interest margin | 3.7634% | 4,166 |
| Noninterest income to average assets | 0.8936% | 1,980 |
| Noninterest expense to average assets | 2.8781% | 4,517 |
| Loan and lease loss provision to assets | 0.2559% | 4,356 |
| Net operating income to assets | 0.8606% | 3,171 |
| Return on assets (ROA) | 0.8723% | 2,977 |
| Pretax return on assets | 1.1943% | 2,664 |
| Return on Equity (ROE) | 7.1070% | 3,472 |
| Retained earnings to average equity (ytd only) | 0.2606% | 5,083 |
| Net charge-offs to loans | 0.5693% | 2,108 |
| Credit loss provision to net charge-offs | 73.3945% | 6,022 |
| Earnings coverage of net charge-offs (x) | 4.1131% | 4,103 |
| Efficiency ratio | 66.7409% | 4,961 |
| Assets per employee ($millions) | 2.6767% | 6,838 |
| Cash dividends to net income (ytd only)* | 96.3325% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7609% | 1,736 |
| Loan loss allowance to noncurrent loans | 306.3444% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.4545% | 5,860 |
| Noncurrent loans to loans | 0.5748% | 5,646 |
| Net loans and leases to total assets | 58.7080% | 6,103 |
| Net loans and leases to deposits | 67.4524% | 6,510 |
| Net loans and leases to core deposits | 84.9938% | 6,211 |
| Total domestic deposits to total assets | 87.0361% | 1,920 |
| Equity capital to assets | 12.1119% | 2,220 |
| Core capital (leverage) ratio | 11.9316% | 2,000 |
| Tier 1 risk-based capital ratio | 11.7271% | 5,032 |
| Total risk-based capital ratio | 12.7683% | 5,120 |
| Memoranda: | ||
| Average total assets | $93,778,200 | 5,233 |
| Average earning assets | $85,188,400 | 5,265 |
| Average equity | $11,509,800 | 4,966 |
| Average total loans | $57,441,600 | 5,384 |