Home > Community Bank of Pickens County > Performance and Condition Ratios
Community Bank of Pickens County, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1314% | 540 |
| Cost of funding earning assets | 1.4393% | 2,109 |
| Net interest margin | 4.6921% | 480 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.0422% | 3,528 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 2.1518% | 367 |
| Return on assets (ROA) | 2.1518% | 358 |
| Pretax return on assets | 2.7966% | 254 |
| Return on Equity (ROE) | 18.9300% | 715 |
| Retained earnings to average equity (ytd only) | 12.4023% | 585 |
| Net charge-offs to loans | 0.0689% | 1,159 |
| Credit loss provision to net charge-offs | 151.2097% | 1,467 |
| Earnings coverage of net charge-offs (x) | 61.6613% | 1,175 |
| Efficiency ratio | 41.6002% | 4,325 |
| Assets per employee ($millions) | 8.8327% | 1,042 |
| Cash dividends to net income (ytd only)* | 34.4659% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 2,141 |
| Loan loss allowance to noncurrent loans | 51.6374% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.6561% | 209 |
| Noncurrent loans to loans | 2.3727% | 213 |
| Net loans and leases to total assets | 68.9400% | 1,930 |
| Net loans and leases to deposits | 78.7588% | 2,210 |
| Net loans and leases to core deposits | 88.6813% | 2,139 |
| Total domestic deposits to total assets | 87.5300% | 1,506 |
| Equity capital to assets | 11.8188% | 1,198 |
| Core capital (leverage) ratio | 12.1770% | 1,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3644% | 749 |
| Memoranda: | ||
| Average total assets | $533,405,200 | 1,658 |
| Average earning assets | $511,153,000 | 1,601 |
| Average equity | $60,649,800 | 1,385 |
| Average total loans | $359,898,200 | 1,580 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9786% | 545 |
| Cost of funding earning assets | 1.3254% | 2,074 |
| Net interest margin | 4.6532% | 490 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.0732% | 3,416 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 2.1271% | 420 |
| Return on assets (ROA) | 2.1271% | 413 |
| Pretax return on assets | 2.7657% | 291 |
| Return on Equity (ROE) | 18.9000% | 832 |
| Retained earnings to average equity (ytd only) | 10.0548% | 1,385 |
| Net charge-offs to loans | 0.0538% | 1,137 |
| Credit loss provision to net charge-offs | 87.4126% | 1,710 |
| Earnings coverage of net charge-offs (x) | 77.7343% | 1,062 |
| Efficiency ratio | 42.5678% | 4,294 |
| Assets per employee ($millions) | 8.5536% | 1,101 |
| Cash dividends to net income (ytd only)* | 46.8000% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2339% | 2,197 |
| Loan loss allowance to noncurrent loans | 362.7498% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.2321% | 2,098 |
| Noncurrent loans to loans | 0.3401% | 2,012 |
| Net loans and leases to total assets | 67.4100% | 2,118 |
| Net loans and leases to deposits | 76.7191% | 2,360 |
| Net loans and leases to core deposits | 85.9789% | 2,190 |
| Total domestic deposits to total assets | 87.8600% | 1,622 |
| Equity capital to assets | 11.3139% | 1,240 |
| Core capital (leverage) ratio | 11.8053% | 1,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5495% | 754 |
| Memoranda: | ||
| Average total assets | $529,849,750 | 1,665 |
| Average earning assets | $507,914,250 | 1,607 |
| Average equity | $59,631,500 | 1,390 |
| Average total loans | $354,316,500 | 1,596 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7937% | 560 |
| Cost of funding earning assets | 1.1839% | 2,038 |
| Net interest margin | 4.6098% | 514 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.0420% | 3,484 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 2.1118% | 398 |
| Return on assets (ROA) | 2.1118% | 393 |
| Pretax return on assets | 2.7496% | 264 |
| Return on Equity (ROE) | 18.8000% | 857 |
| Retained earnings to average equity (ytd only) | 18.7984% | 298 |
| Net charge-offs to loans | -0.0074% | 3,826 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 42.1982% | 4,331 |
| Assets per employee ($millions) | 8.3070% | 1,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 1,830 |
| Loan loss allowance to noncurrent loans | 363.5941% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.2428% | 1,980 |
| Noncurrent loans to loans | 0.3636% | 1,837 |
| Net loans and leases to total assets | 65.9000% | 2,167 |
| Net loans and leases to deposits | 75.3009% | 2,384 |
| Net loans and leases to core deposits | 83.3602% | 2,246 |
| Total domestic deposits to total assets | 87.5100% | 1,779 |
| Equity capital to assets | 11.6355% | 1,161 |
| Core capital (leverage) ratio | 12.2273% | 1,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5836% | 666 |
| Memoranda: | ||
| Average total assets | $526,840,000 | 1,672 |
| Average earning assets | $505,449,333 | 1,615 |
| Average equity | $59,186,000 | 1,405 |
| Average total loans | $349,829,000 | 1,602 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5762% | 553 |
| Cost of funding earning assets | 1.0289% | 1,949 |
| Net interest margin | 4.5473% | 546 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.0212% | 3,582 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 2.0525% | 456 |
| Return on assets (ROA) | 2.0525% | 451 |
| Pretax return on assets | 2.6611% | 300 |
| Return on Equity (ROE) | 18.6100% | 945 |
| Retained earnings to average equity (ytd only) | 18.6071% | 470 |
| Net charge-offs to loans | -0.0092% | 3,823 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 42.3052% | 4,378 |
| Assets per employee ($millions) | 8.1635% | 1,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 1,854 |
| Loan loss allowance to noncurrent loans | 760.1297% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.1181% | 2,688 |
| Noncurrent loans to loans | 0.1764% | 2,596 |
| Net loans and leases to total assets | 66.0400% | 2,054 |
| Net loans and leases to deposits | 75.2076% | 2,186 |
| Net loans and leases to core deposits | 81.5106% | 2,146 |
| Total domestic deposits to total assets | 87.8100% | 1,984 |
| Equity capital to assets | 11.3807% | 1,196 |
| Core capital (leverage) ratio | 11.6414% | 1,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1047% | 735 |
| Memoranda: | ||
| Average total assets | $524,435,000 | 1,694 |
| Average earning assets | $503,857,500 | 1,637 |
| Average equity | $57,849,000 | 1,440 |
| Average total loans | $347,223,000 | 1,625 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3199% | 1,016 |
| Cost of funding earning assets | 0.5461% | 1,128 |
| Net interest margin | 3.7738% | 1,215 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 1.7802% | 4,050 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.6611% | 594 |
| Return on assets (ROA) | 1.6611% | 564 |
| Pretax return on assets | 2.1720% | 338 |
| Return on Equity (ROE) | 16.3500% | 989 |
| Retained earnings to average equity (ytd only) | 10.0682% | 1,126 |
| Net charge-offs to loans | -0.0034% | 3,547 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 44.2051% | 4,422 |
| Assets per employee ($millions) | 8.3556% | 1,163 |
| Cash dividends to net income (ytd only)* | 38.4208% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 1,799 |
| Loan loss allowance to noncurrent loans | 324.7327% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.2665% | 1,825 |
| Noncurrent loans to loans | 0.4070% | 1,705 |
| Net loans and leases to total assets | 64.6200% | 2,184 |
| Net loans and leases to deposits | 72.9784% | 2,330 |
| Net loans and leases to core deposits | 78.7884% | 2,219 |
| Total domestic deposits to total assets | 88.5500% | 1,864 |
| Equity capital to assets | 10.6834% | 1,382 |
| Core capital (leverage) ratio | 11.0602% | 1,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2864% | 796 |
| Memoranda: | ||
| Average total assets | $533,694,000 | 1,652 |
| Average earning assets | $513,484,400 | 1,596 |
| Average equity | $54,220,000 | 1,516 |
| Average total loans | $321,769,400 | 1,631 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9959% | 1,274 |
| Cost of funding earning assets | 0.4731% | 867 |
| Net interest margin | 3.5229% | 1,601 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 1.8145% | 3,958 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.5043% | 843 |
| Return on assets (ROA) | 1.5043% | 817 |
| Pretax return on assets | 1.9671% | 500 |
| Return on Equity (ROE) | 15.0000% | 1,175 |
| Retained earnings to average equity (ytd only) | 6.5430% | 2,538 |
| Net charge-offs to loans | -0.0046% | 3,466 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.6683% | 4,292 |
| Assets per employee ($millions) | 8.5342% | 1,047 |
| Cash dividends to net income (ytd only)* | 56.3721% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 2,044 |
| Loan loss allowance to noncurrent loans | 360.0677% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.2633% | 1,900 |
| Noncurrent loans to loans | 0.3600% | 1,944 |
| Net loans and leases to total assets | 61.2600% | 2,380 |
| Net loans and leases to deposits | 68.6857% | 2,483 |
| Net loans and leases to core deposits | 74.1216% | 2,336 |
| Total domestic deposits to total assets | 89.1800% | 2,015 |
| Equity capital to assets | 10.0563% | 1,586 |
| Core capital (leverage) ratio | 10.3722% | 2,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9812% | 865 |
| Memoranda: | ||
| Average total assets | $535,516,250 | 1,658 |
| Average earning assets | $515,476,250 | 1,605 |
| Average equity | $53,715,500 | 1,543 |
| Average total loans | $316,028,500 | 1,648 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6917% | 1,558 |
| Cost of funding earning assets | 0.4728% | 612 |
| Net interest margin | 3.2189% | 2,131 |
| Noninterest income to average assets | 0.4244% | 2,600 |
| Noninterest expense to average assets | 1.7900% | 3,987 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3261% | 1,075 |
| Return on assets (ROA) | 1.3261% | 1,055 |
| Pretax return on assets | 1.7342% | 694 |
| Return on Equity (ROE) | 13.2321% | 1,312 |
| Retained earnings to average equity (ytd only) | 13.2321% | 442 |
| Net charge-offs to loans | -0.0058% | 3,390 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7916% | 4,204 |
| Assets per employee ($millions) | 9.0262% | 878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3622% | 1,916 |
| Loan loss allowance to noncurrent loans | 327.6025% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.2811% | 1,901 |
| Noncurrent loans to loans | 0.4158% | 1,869 |
| Net loans and leases to total assets | 54.6305% | 2,896 |
| Net loans and leases to deposits | 61.1354% | 2,961 |
| Net loans and leases to core deposits | 65.6207% | 2,852 |
| Total domestic deposits to total assets | 89.3598% | 2,020 |
| Equity capital to assets | 9.9907% | 1,722 |
| Core capital (leverage) ratio | 10.3576% | 2,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9052% | 635 |
| Memoranda: | ||
| Average total assets | $537,648,333 | 1,664 |
| Average earning assets | $517,753,333 | 1,615 |
| Average equity | $53,884,000 | 1,586 |
| Average total loans | $311,913,000 | 1,662 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6145% | 1,465 |
| Cost of funding earning assets | 0.4842% | 541 |
| Net interest margin | 3.1303% | 2,083 |
| Noninterest income to average assets | 0.4714% | 2,292 |
| Noninterest expense to average assets | 1.8209% | 3,889 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2689% | 1,072 |
| Return on assets (ROA) | 1.2689% | 1,065 |
| Pretax return on assets | 1.6642% | 735 |
| Return on Equity (ROE) | 12.6403% | 1,120 |
| Retained earnings to average equity (ytd only) | 12.6403% | 510 |
| Net charge-offs to loans | -0.0051% | 3,342 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2472% | 4,184 |
| Assets per employee ($millions) | 8.9141% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3211% | 2,254 |
| Loan loss allowance to noncurrent loans | 184.8107% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.4644% | 1,315 |
| Noncurrent loans to loans | 0.7149% | 1,325 |
| Net loans and leases to total assets | 56.9918% | 2,421 |
| Net loans and leases to deposits | 63.6995% | 2,556 |
| Net loans and leases to core deposits | 68.4012% | 2,423 |
| Total domestic deposits to total assets | 89.4698% | 1,831 |
| Equity capital to assets | 9.8804% | 1,986 |
| Core capital (leverage) ratio | 10.3561% | 1,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8900% | 772 |
| Memoranda: | ||
| Average total assets | $531,172,000 | 1,680 |
| Average earning assets | $511,382,500 | 1,644 |
| Average equity | $53,321,500 | 1,642 |
| Average total loans | $315,394,500 | 1,638 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3473% | 789 |
| Cost of funding earning assets | 0.6501% | 420 |
| Net interest margin | 3.6972% | 1,222 |
| Noninterest income to average assets | 0.5065% | 2,531 |
| Noninterest expense to average assets | 1.8485% | 4,052 |
| Loan and lease loss provision to assets | 0.1258% | 978 |
| Net operating income to assets | 1.5672% | 883 |
| Return on assets (ROA) | 1.5672% | 910 |
| Pretax return on assets | 2.0576% | 547 |
| Return on Equity (ROE) | 14.8586% | 983 |
| Retained earnings to average equity (ytd only) | 10.4010% | 821 |
| Net charge-offs to loans | 0.0414% | 1,437 |
| Credit loss provision to net charge-offs | 465.6489% | 832 |
| Earnings coverage of net charge-offs (x) | 80.8244% | 990 |
| Efficiency ratio | 45.8470% | 4,508 |
| Assets per employee ($millions) | 8.7895% | 987 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 2,316 |
| Loan loss allowance to noncurrent loans | 158.0854% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.5831% | 1,132 |
| Noncurrent loans to loans | 0.8278% | 1,232 |
| Net loans and leases to total assets | 60.2788% | 2,135 |
| Net loans and leases to deposits | 67.6016% | 2,343 |
| Net loans and leases to core deposits | 72.9461% | 2,172 |
| Total domestic deposits to total assets | 89.1678% | 1,431 |
| Equity capital to assets | 10.2042% | 2,466 |
| Core capital (leverage) ratio | 10.3159% | 2,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0439% | 887 |
| Memoranda: | ||
| Average total assets | $484,939,600 | 1,734 |
| Average earning assets | $462,402,800 | 1,708 |
| Average equity | $51,148,800 | 1,727 |
| Average total loans | $316,053,400 | 1,640 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5793% | 591 |
| Cost of funding earning assets | 0.6870% | 407 |
| Net interest margin | 3.8923% | 950 |
| Noninterest income to average assets | 0.4740% | 2,736 |
| Noninterest expense to average assets | 1.8215% | 4,124 |
| Loan and lease loss provision to assets | 0.0279% | 2,438 |
| Net operating income to assets | 1.7675% | 718 |
| Return on assets (ROA) | 1.7675% | 749 |
| Pretax return on assets | 2.3242% | 446 |
| Return on Equity (ROE) | 16.6101% | 830 |
| Retained earnings to average equity (ytd only) | 11.9297% | 849 |
| Net charge-offs to loans | 0.0528% | 1,128 |
| Credit loss provision to net charge-offs | 80.0000% | 1,714 |
| Earnings coverage of net charge-offs (x) | 67.2560% | 1,082 |
| Efficiency ratio | 43.6415% | 4,602 |
| Assets per employee ($millions) | 8.9462% | 909 |
| Cash dividends to net income (ytd only)* | 28.1779% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 3,220 |
| Loan loss allowance to noncurrent loans | 220.8005% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.7899% | 905 |
| Noncurrent loans to loans | 0.5191% | 2,002 |
| Net loans and leases to total assets | 61.5791% | 2,066 |
| Net loans and leases to deposits | 69.1646% | 2,319 |
| Net loans and leases to core deposits | 75.1586% | 2,126 |
| Total domestic deposits to total assets | 89.0327% | 1,259 |
| Equity capital to assets | 10.2766% | 2,635 |
| Core capital (leverage) ratio | 10.4818% | 2,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8646% | 986 |
| Memoranda: | ||
| Average total assets | $476,529,000 | 1,773 |
| Average earning assets | $452,955,000 | 1,750 |
| Average equity | $50,706,750 | 1,760 |
| Average total loans | $315,881,750 | 1,669 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9612% | 367 |
| Cost of funding earning assets | 0.7267% | 404 |
| Net interest margin | 4.2345% | 551 |
| Noninterest income to average assets | 0.4869% | 2,683 |
| Noninterest expense to average assets | 1.8922% | 3,984 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9781% | 501 |
| Return on assets (ROA) | 1.9781% | 533 |
| Pretax return on assets | 2.6115% | 300 |
| Return on Equity (ROE) | 18.3602% | 610 |
| Retained earnings to average equity (ytd only) | 18.3602% | 209 |
| Net charge-offs to loans | 0.0806% | 865 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 47.8504% | 1,087 |
| Efficiency ratio | 42.0134% | 4,698 |
| Assets per employee ($millions) | 8.5343% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1207% | 3,329 |
| Loan loss allowance to noncurrent loans | 178.5570% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.9717% | 784 |
| Noncurrent loans to loans | 0.6276% | 1,842 |
| Net loans and leases to total assets | 64.1893% | 1,928 |
| Net loans and leases to deposits | 73.0065% | 2,109 |
| Net loans and leases to core deposits | 80.0533% | 1,885 |
| Total domestic deposits to total assets | 87.9228% | 1,873 |
| Equity capital to assets | 10.7838% | 2,163 |
| Core capital (leverage) ratio | 10.9626% | 1,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3154% | 909 |
| Memoranda: | ||
| Average total assets | $465,394,333 | 1,800 |
| Average earning assets | $441,465,333 | 1,782 |
| Average equity | $50,141,000 | 1,768 |
| Average total loans | $315,291,333 | 1,679 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8015% | 487 |
| Cost of funding earning assets | 0.7776% | 393 |
| Net interest margin | 4.0239% | 817 |
| Noninterest income to average assets | 0.5092% | 2,569 |
| Noninterest expense to average assets | 1.8476% | 4,114 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8792% | 688 |
| Return on assets (ROA) | 1.8792% | 738 |
| Pretax return on assets | 2.4702% | 458 |
| Return on Equity (ROE) | 17.4511% | 787 |
| Retained earnings to average equity (ytd only) | 17.4511% | 394 |
| Net charge-offs to loans | 0.2552% | 334 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 13.9751% | 1,378 |
| Efficiency ratio | 42.7902% | 4,643 |
| Assets per employee ($millions) | 8.4944% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 3,495 |
| Loan loss allowance to noncurrent loans | 168.6952% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 1.0787% | 746 |
| Noncurrent loans to loans | 0.6451% | 1,955 |
| Net loans and leases to total assets | 66.2115% | 1,771 |
| Net loans and leases to deposits | 75.0179% | 2,019 |
| Net loans and leases to core deposits | 82.5126% | 1,802 |
| Total domestic deposits to total assets | 88.2609% | 1,712 |
| Equity capital to assets | 10.5196% | 2,257 |
| Core capital (leverage) ratio | 11.0927% | 1,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3669% | 1,013 |
| Memoranda: | ||
| Average total assets | $454,865,000 | 1,826 |
| Average earning assets | $430,528,500 | 1,804 |
| Average equity | $48,982,500 | 1,789 |
| Average total loans | $315,042,000 | 1,684 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8976% | 602 |
| Cost of funding earning assets | 1.0908% | 412 |
| Net interest margin | 3.8068% | 1,480 |
| Noninterest income to average assets | 1.1712% | 796 |
| Noninterest expense to average assets | 2.3094% | 3,384 |
| Loan and lease loss provision to assets | 0.3810% | 845 |
| Net operating income to assets | 1.7217% | 468 |
| Return on assets (ROA) | 1.7217% | 512 |
| Pretax return on assets | 2.0601% | 403 |
| Return on Equity (ROE) | 15.0848% | 633 |
| Retained earnings to average equity (ytd only) | 11.9675% | 316 |
| Net charge-offs to loans | 0.2505% | 693 |
| Credit loss provision to net charge-offs | 202.6490% | 2,147 |
| Earnings coverage of net charge-offs (x) | 12.9854% | 2,306 |
| Efficiency ratio | 48.6137% | 4,603 |
| Assets per employee ($millions) | 7.6148% | 1,212 |
| Cash dividends to net income (ytd only)* | 20.6652% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1763% | 3,074 |
| Loan loss allowance to noncurrent loans | 109.5637% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 1.3084% | 614 |
| Noncurrent loans to loans | 1.0736% | 1,325 |
| Net loans and leases to total assets | 70.9592% | 1,430 |
| Net loans and leases to deposits | 80.8847% | 1,778 |
| Net loans and leases to core deposits | 89.5931% | 1,561 |
| Total domestic deposits to total assets | 87.7289% | 1,597 |
| Equity capital to assets | 11.0415% | 2,218 |
| Core capital (leverage) ratio | 11.1659% | 1,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8616% | 1,082 |
| Memoranda: | ||
| Average total assets | $401,627,000 | 1,858 |
| Average earning assets | $377,615,600 | 1,845 |
| Average equity | $45,840,800 | 1,818 |
| Average total loans | $301,354,600 | 1,676 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1228% | 478 |
| Cost of funding earning assets | 1.1512% | 434 |
| Net interest margin | 3.9716% | 1,178 |
| Noninterest income to average assets | 1.3793% | 582 |
| Noninterest expense to average assets | 2.1803% | 3,726 |
| Loan and lease loss provision to assets | 0.4066% | 854 |
| Net operating income to assets | 2.1254% | 230 |
| Return on assets (ROA) | 2.1254% | 246 |
| Pretax return on assets | 2.5258% | 202 |
| Return on Equity (ROE) | 18.4551% | 326 |
| Retained earnings to average equity (ytd only) | 14.2510% | 240 |
| Net charge-offs to loans | 0.0964% | 1,343 |
| Credit loss provision to net charge-offs | 555.5556% | 1,213 |
| Earnings coverage of net charge-offs (x) | 40.0694% | 1,358 |
| Efficiency ratio | 42.6441% | 4,839 |
| Assets per employee ($millions) | 7.4895% | 1,219 |
| Cash dividends to net income (ytd only)* | 22.7802% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 2,668 |
| Loan loss allowance to noncurrent loans | 64.9296% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 1.8760% | 386 |
| Noncurrent loans to loans | 1.8472% | 703 |
| Net loans and leases to total assets | 76.1069% | 1,077 |
| Net loans and leases to deposits | 87.0839% | 1,585 |
| Net loans and leases to core deposits | 96.5243% | 1,413 |
| Total domestic deposits to total assets | 87.3949% | 1,494 |
| Equity capital to assets | 11.2794% | 2,163 |
| Core capital (leverage) ratio | 11.3999% | 1,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6702% | 1,106 |
| Memoranda: | ||
| Average total assets | $393,522,500 | 1,864 |
| Average earning assets | $369,920,250 | 1,841 |
| Average equity | $45,319,750 | 1,832 |
| Average total loans | $298,778,000 | 1,685 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4192% | 388 |
| Cost of funding earning assets | 1.2196% | 472 |
| Net interest margin | 4.1997% | 920 |
| Noninterest income to average assets | 1.8722% | 318 |
| Noninterest expense to average assets | 2.2791% | 3,579 |
| Loan and lease loss provision to assets | 0.3118% | 1,382 |
| Net operating income to assets | 2.7473% | 106 |
| Return on assets (ROA) | 2.7473% | 110 |
| Pretax return on assets | 3.2108% | 94 |
| Return on Equity (ROE) | 23.6781% | 130 |
| Retained earnings to average equity (ytd only) | 23.6781% | 56 |
| Net charge-offs to loans | 0.1183% | 1,137 |
| Credit loss provision to net charge-offs | 348.8372% | 1,519 |
| Earnings coverage of net charge-offs (x) | 39.4128% | 1,260 |
| Efficiency ratio | 39.2835% | 4,930 |
| Assets per employee ($millions) | 7.3110% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 3,373 |
| Loan loss allowance to noncurrent loans | 77.9474% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 1.6819% | 502 |
| Noncurrent loans to loans | 1.3325% | 1,155 |
| Net loans and leases to total assets | 77.2399% | 960 |
| Net loans and leases to deposits | 88.8664% | 1,466 |
| Net loans and leases to core deposits | 99.1248% | 1,319 |
| Total domestic deposits to total assets | 86.9169% | 1,654 |
| Equity capital to assets | 11.6686% | 1,853 |
| Core capital (leverage) ratio | 11.8999% | 1,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1582% | 1,024 |
| Memoranda: | ||
| Average total assets | $384,893,333 | 1,870 |
| Average earning assets | $360,125,000 | 1,858 |
| Average equity | $44,657,333 | 1,841 |
| Average total loans | $290,679,000 | 1,705 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8988% | 1,195 |
| Cost of funding earning assets | 1.3226% | 527 |
| Net interest margin | 3.5762% | 2,748 |
| Noninterest income to average assets | 0.7933% | 1,333 |
| Noninterest expense to average assets | 2.2650% | 3,844 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4363% | 912 |
| Return on assets (ROA) | 1.4363% | 983 |
| Pretax return on assets | 1.8517% | 625 |
| Return on Equity (ROE) | 12.4178% | 1,008 |
| Retained earnings to average equity (ytd only) | 12.4178% | 380 |
| Net charge-offs to loans | 0.2520% | 579 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 9.9138% | 1,798 |
| Efficiency ratio | 55.0196% | 4,306 |
| Assets per employee ($millions) | 6.7559% | 1,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9660% | 3,868 |
| Loan loss allowance to noncurrent loans | 62.8644% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 1.8928% | 460 |
| Noncurrent loans to loans | 1.5367% | 1,030 |
| Net loans and leases to total assets | 73.6228% | 1,675 |
| Net loans and leases to deposits | 84.6661% | 2,143 |
| Net loans and leases to core deposits | 95.3760% | 1,852 |
| Total domestic deposits to total assets | 86.9567% | 1,577 |
| Equity capital to assets | 11.5827% | 2,368 |
| Core capital (leverage) ratio | 11.7065% | 1,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7674% | 1,404 |
| Memoranda: | ||
| Average total assets | $372,633,000 | 1,882 |
| Average earning assets | $346,290,500 | 1,868 |
| Average equity | $43,099,500 | 1,878 |
| Average total loans | $276,243,500 | 1,732 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3864% | 682 |
| Cost of funding earning assets | 1.2782% | 820 |
| Net interest margin | 4.1083% | 1,519 |
| Noninterest income to average assets | 0.6565% | 1,978 |
| Noninterest expense to average assets | 2.4985% | 3,455 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5321% | 986 |
| Return on assets (ROA) | 1.5321% | 1,036 |
| Pretax return on assets | 1.9819% | 621 |
| Return on Equity (ROE) | 13.4478% | 1,033 |
| Retained earnings to average equity (ytd only) | 9.9097% | 510 |
| Net charge-offs to loans | 0.1253% | 1,512 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 20.9615% | 1,908 |
| Efficiency ratio | 55.7657% | 4,236 |
| Assets per employee ($millions) | 6.4375% | 1,325 |
| Cash dividends to net income (ytd only)* | 26.3100% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0659% | 3,136 |
| Loan loss allowance to noncurrent loans | 99.1087% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 1.5738% | 625 |
| Noncurrent loans to loans | 1.0755% | 1,406 |
| Net loans and leases to total assets | 73.1304% | 1,901 |
| Net loans and leases to deposits | 84.1060% | 2,321 |
| Net loans and leases to core deposits | 94.8617% | 1,993 |
| Total domestic deposits to total assets | 86.9503% | 1,636 |
| Equity capital to assets | 11.5492% | 2,485 |
| Core capital (leverage) ratio | 11.5796% | 2,051 |
| Tier 1 risk-based capital ratio | 15.6289% | 2,533 |
| Total risk-based capital ratio | 16.6957% | 2,529 |
| Memoranda: | ||
| Average total assets | $357,490,000 | 1,884 |
| Average earning assets | $332,743,600 | 1,869 |
| Average equity | $40,727,800 | 1,902 |
| Average total loans | $269,860,000 | 1,730 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4038% | 686 |
| Cost of funding earning assets | 1.2435% | 930 |
| Net interest margin | 4.1603% | 1,474 |
| Noninterest income to average assets | 0.6780% | 1,874 |
| Noninterest expense to average assets | 2.4362% | 3,596 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6317% | 859 |
| Return on assets (ROA) | 1.6317% | 904 |
| Pretax return on assets | 2.1156% | 531 |
| Return on Equity (ROE) | 14.3730% | 914 |
| Retained earnings to average equity (ytd only) | 14.3730% | 186 |
| Net charge-offs to loans | 0.1494% | 1,093 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 18.6588% | 2,041 |
| Efficiency ratio | 53.5219% | 4,444 |
| Assets per employee ($millions) | 6.2266% | 1,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 3,179 |
| Loan loss allowance to noncurrent loans | 134.8227% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 1.6104% | 648 |
| Noncurrent loans to loans | 0.7928% | 1,994 |
| Net loans and leases to total assets | 75.0193% | 1,644 |
| Net loans and leases to deposits | 86.5706% | 2,125 |
| Net loans and leases to core deposits | 96.8451% | 1,925 |
| Total domestic deposits to total assets | 86.6568% | 1,708 |
| Equity capital to assets | 11.8078% | 2,412 |
| Core capital (leverage) ratio | 11.9242% | 1,905 |
| Tier 1 risk-based capital ratio | 15.8383% | 2,499 |
| Total risk-based capital ratio | 16.9259% | 2,506 |
| Memoranda: | ||
| Average total assets | $355,128,750 | 1,906 |
| Average earning assets | $330,675,000 | 1,895 |
| Average equity | $40,315,250 | 1,924 |
| Average total loans | $269,517,000 | 1,747 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3988% | 684 |
| Cost of funding earning assets | 1.2010% | 993 |
| Net interest margin | 4.1979% | 1,368 |
| Noninterest income to average assets | 0.7153% | 1,655 |
| Noninterest expense to average assets | 2.5458% | 3,341 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5994% | 912 |
| Return on assets (ROA) | 1.5994% | 956 |
| Pretax return on assets | 2.0735% | 588 |
| Return on Equity (ROE) | 14.2845% | 920 |
| Retained earnings to average equity (ytd only) | 14.2845% | 211 |
| Net charge-offs to loans | 0.1604% | 992 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 17.0279% | 1,907 |
| Efficiency ratio | 55.1128% | 4,354 |
| Assets per employee ($millions) | 5.9756% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1052% | 3,047 |
| Loan loss allowance to noncurrent loans | 111.2999% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 1.7648% | 581 |
| Noncurrent loans to loans | 0.9929% | 1,647 |
| Net loans and leases to total assets | 76.4997% | 1,471 |
| Net loans and leases to deposits | 88.1491% | 1,988 |
| Net loans and leases to core deposits | 98.6128% | 1,831 |
| Total domestic deposits to total assets | 86.7845% | 1,692 |
| Equity capital to assets | 11.6703% | 2,471 |
| Core capital (leverage) ratio | 11.7327% | 2,001 |
| Tier 1 risk-based capital ratio | 15.6430% | 2,566 |
| Total risk-based capital ratio | 16.7912% | 2,540 |
| Memoranda: | ||
| Average total assets | $353,124,000 | 1,920 |
| Average earning assets | $328,405,000 | 1,915 |
| Average equity | $39,539,330 | 1,956 |
| Average total loans | $268,071,330 | 1,761 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3749% | 664 |
| Cost of funding earning assets | 1.1520% | 1,039 |
| Net interest margin | 4.2229% | 1,255 |
| Noninterest income to average assets | 0.7719% | 1,360 |
| Noninterest expense to average assets | 2.6825% | 2,955 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5529% | 1,002 |
| Return on assets (ROA) | 1.5529% | 1,030 |
| Pretax return on assets | 2.0102% | 632 |
| Return on Equity (ROE) | 14.1675% | 933 |
| Retained earnings to average equity (ytd only) | 14.1675% | 341 |
| Net charge-offs to loans | 0.3311% | 462 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 8.0727% | 2,100 |
| Efficiency ratio | 57.1635% | 4,193 |
| Assets per employee ($millions) | 5.8766% | 1,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 2,967 |
| Loan loss allowance to noncurrent loans | 122.9167% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 1.9924% | 495 |
| Noncurrent loans to loans | 0.9196% | 1,822 |
| Net loans and leases to total assets | 74.6448% | 1,699 |
| Net loans and leases to deposits | 85.6069% | 2,178 |
| Net loans and leases to core deposits | 95.1595% | 2,009 |
| Total domestic deposits to total assets | 87.1949% | 1,718 |
| Equity capital to assets | 11.1990% | 2,654 |
| Core capital (leverage) ratio | 11.2498% | 2,340 |
| Tier 1 risk-based capital ratio | 15.3352% | 2,733 |
| Total risk-based capital ratio | 16.5014% | 2,682 |
| Memoranda: | ||
| Average total assets | $353,405,000 | 1,938 |
| Average earning assets | $328,115,500 | 1,929 |
| Average equity | $38,736,500 | 1,982 |
| Average total loans | $265,745,500 | 1,781 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4187% | 472 |
| Cost of funding earning assets | 1.0280% | 675 |
| Net interest margin | 4.3907% | 958 |
| Noninterest income to average assets | 0.7771% | 1,532 |
| Noninterest expense to average assets | 3.0471% | 1,943 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3827% | 1,489 |
| Return on assets (ROA) | 1.3827% | 1,481 |
| Pretax return on assets | 1.7975% | 929 |
| Return on Equity (ROE) | 13.1711% | 1,280 |
| Retained earnings to average equity (ytd only) | 10.1574% | 594 |
| Net charge-offs to loans | 0.0178% | 3,101 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 132.4894% | 611 |
| Efficiency ratio | 62.8970% | 3,366 |
| Assets per employee ($millions) | 6.4403% | 1,243 |
| Cash dividends to net income (ytd only)* | 22.8810% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 2,486 |
| Loan loss allowance to noncurrent loans | 154.3499% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 1.9751% | 488 |
| Noncurrent loans to loans | 0.7886% | 2,035 |
| Net loans and leases to total assets | 73.9830% | 1,938 |
| Net loans and leases to deposits | 84.3879% | 2,471 |
| Net loans and leases to core deposits | 92.7295% | 2,346 |
| Total domestic deposits to total assets | 87.6702% | 1,459 |
| Equity capital to assets | 10.7240% | 2,952 |
| Core capital (leverage) ratio | 10.8905% | 2,638 |
| Tier 1 risk-based capital ratio | 14.8889% | 2,884 |
| Total risk-based capital ratio | 16.1390% | 2,816 |
| Memoranda: | ||
| Average total assets | $346,424,600 | 1,929 |
| Average earning assets | $320,927,600 | 1,918 |
| Average equity | $36,367,400 | 2,014 |
| Average total loans | $264,319,600 | 1,761 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3990% | 444 |
| Cost of funding earning assets | 1.0011% | 592 |
| Net interest margin | 4.3979% | 903 |
| Noninterest income to average assets | 0.6812% | 1,929 |
| Noninterest expense to average assets | 2.9470% | 2,176 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3996% | 1,495 |
| Return on assets (ROA) | 1.3996% | 1,496 |
| Pretax return on assets | 1.8048% | 1,002 |
| Return on Equity (ROE) | 13.4061% | 1,296 |
| Retained earnings to average equity (ytd only) | 13.4061% | 314 |
| Net charge-offs to loans | 0.0096% | 3,077 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 245.4473% | 376 |
| Efficiency ratio | 62.0184% | 3,509 |
| Assets per employee ($millions) | 6.4580% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 2,581 |
| Loan loss allowance to noncurrent loans | 199.2049% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 2.0784% | 501 |
| Noncurrent loans to loans | 0.6066% | 2,562 |
| Net loans and leases to total assets | 76.3497% | 1,611 |
| Net loans and leases to deposits | 87.1162% | 2,251 |
| Net loans and leases to core deposits | 95.4141% | 2,169 |
| Total domestic deposits to total assets | 87.6412% | 1,421 |
| Equity capital to assets | 10.8398% | 2,810 |
| Core capital (leverage) ratio | 10.8958% | 2,681 |
| Tier 1 risk-based capital ratio | 14.6942% | 3,021 |
| Total risk-based capital ratio | 15.9442% | 2,948 |
| Memoranda: | ||
| Average total assets | $344,477,000 | 1,947 |
| Average earning assets | $318,844,000 | 1,943 |
| Average equity | $35,962,750 | 2,037 |
| Average total loans | $264,077,500 | 1,768 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3476% | 432 |
| Cost of funding earning assets | 0.9690% | 539 |
| Net interest margin | 4.3786% | 891 |
| Noninterest income to average assets | 0.6448% | 2,117 |
| Noninterest expense to average assets | 3.0998% | 1,785 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2348% | 2,037 |
| Return on assets (ROA) | 1.2348% | 2,033 |
| Pretax return on assets | 1.5863% | 1,544 |
| Return on Equity (ROE) | 11.9831% | 1,728 |
| Retained earnings to average equity (ytd only) | 11.9831% | 519 |
| Net charge-offs to loans | 0.0099% | 2,784 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 209.3077% | 409 |
| Efficiency ratio | 66.1483% | 2,949 |
| Assets per employee ($millions) | 6.1485% | 1,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 2,643 |
| Loan loss allowance to noncurrent loans | 189.4890% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 2.2305% | 431 |
| Noncurrent loans to loans | 0.6405% | 2,511 |
| Net loans and leases to total assets | 75.7834% | 1,673 |
| Net loans and leases to deposits | 85.9044% | 2,326 |
| Net loans and leases to core deposits | 93.9634% | 2,222 |
| Total domestic deposits to total assets | 88.2183% | 1,262 |
| Equity capital to assets | 10.3662% | 3,260 |
| Core capital (leverage) ratio | 10.5216% | 3,009 |
| Tier 1 risk-based capital ratio | 14.4152% | 3,154 |
| Total risk-based capital ratio | 15.6658% | 3,072 |
| Memoranda: | ||
| Average total assets | $343,058,670 | 1,956 |
| Average earning assets | $316,630,330 | 1,958 |
| Average equity | $35,349,670 | 2,075 |
| Average total loans | $262,265,670 | 1,778 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2203% | 470 |
| Cost of funding earning assets | 0.9131% | 558 |
| Net interest margin | 4.3072% | 941 |
| Noninterest income to average assets | 0.8098% | 1,424 |
| Noninterest expense to average assets | 3.2073% | 1,550 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2247% | 1,910 |
| Return on assets (ROA) | 1.2247% | 1,920 |
| Pretax return on assets | 1.5724% | 1,469 |
| Return on Equity (ROE) | 11.9221% | 1,604 |
| Retained earnings to average equity (ytd only) | 11.9221% | 693 |
| Net charge-offs to loans | 0.0201% | 2,097 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 102.6154% | 605 |
| Efficiency ratio | 67.1023% | 2,985 |
| Assets per employee ($millions) | 6.0241% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 2,651 |
| Loan loss allowance to noncurrent loans | 186.9914% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 2.8412% | 292 |
| Noncurrent loans to loans | 0.6560% | 2,584 |
| Net loans and leases to total assets | 75.1987% | 1,671 |
| Net loans and leases to deposits | 84.9649% | 2,292 |
| Net loans and leases to core deposits | 92.5467% | 2,254 |
| Total domestic deposits to total assets | 88.5056% | 1,351 |
| Equity capital to assets | 10.0985% | 3,503 |
| Core capital (leverage) ratio | 10.4893% | 2,955 |
| Tier 1 risk-based capital ratio | 14.0957% | 3,328 |
| Total risk-based capital ratio | 15.3465% | 3,245 |
| Memoranda: | ||
| Average total assets | $339,355,000 | 1,980 |
| Average earning assets | $312,777,000 | 1,988 |
| Average equity | $34,859,500 | 2,108 |
| Average total loans | $258,969,500 | 1,799 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1900% | 454 |
| Cost of funding earning assets | 0.8223% | 551 |
| Net interest margin | 4.3677% | 821 |
| Noninterest income to average assets | 1.1978% | 724 |
| Noninterest expense to average assets | 3.2424% | 1,524 |
| Loan and lease loss provision to assets | 0.2492% | 753 |
| Net operating income to assets | 0.9386% | 2,500 |
| Return on assets (ROA) | 0.9386% | 2,543 |
| Pretax return on assets | 1.6470% | 1,168 |
| Return on Equity (ROE) | 9.3317% | 2,166 |
| Retained earnings to average equity (ytd only) | 9.3317% | 452 |
| Net charge-offs to loans | 0.2565% | 1,020 |
| Credit loss provision to net charge-offs | 128.3255% | 2,050 |
| Earnings coverage of net charge-offs (x) | 9.7637% | 2,752 |
| Efficiency ratio | 63.0981% | 3,758 |
| Assets per employee ($millions) | 5.6778% | 1,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 2,215 |
| Loan loss allowance to noncurrent loans | 196.7568% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 3.2711% | 229 |
| Noncurrent loans to loans | 0.6609% | 2,560 |
| Net loans and leases to total assets | 75.5081% | 1,681 |
| Net loans and leases to deposits | 85.7332% | 2,296 |
| Net loans and leases to core deposits | 94.0735% | 2,188 |
| Total domestic deposits to total assets | 88.0734% | 1,460 |
| Equity capital to assets | 10.4566% | 3,208 |
| Core capital (leverage) ratio | 10.4020% | 2,964 |
| Tier 1 risk-based capital ratio | 13.8582% | 3,441 |
| Total risk-based capital ratio | 15.1094% | 3,346 |
| Memoranda: | ||
| Average total assets | $329,015,600 | 2,015 |
| Average earning assets | $296,860,000 | 2,057 |
| Average equity | $33,091,400 | 2,165 |
| Average total loans | $249,168,600 | 1,825 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1820% | 430 |
| Cost of funding earning assets | 0.8102% | 540 |
| Net interest margin | 4.3718% | 777 |
| Noninterest income to average assets | 1.3465% | 578 |
| Noninterest expense to average assets | 3.2690% | 1,410 |
| Loan and lease loss provision to assets | 0.3324% | 452 |
| Net operating income to assets | 1.0976% | 2,103 |
| Return on assets (ROA) | 1.0976% | 2,154 |
| Pretax return on assets | 1.6712% | 1,194 |
| Return on Equity (ROE) | 11.0228% | 1,691 |
| Retained earnings to average equity (ytd only) | 11.0228% | 415 |
| Net charge-offs to loans | 0.3413% | 615 |
| Credit loss provision to net charge-offs | 128.9308% | 1,904 |
| Earnings coverage of net charge-offs (x) | 7.7720% | 2,841 |
| Efficiency ratio | 62.0003% | 3,881 |
| Assets per employee ($millions) | 5.8075% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2931% | 2,388 |
| Loan loss allowance to noncurrent loans | 74.7095% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 5.1470% | 98 |
| Noncurrent loans to loans | 1.7308% | 1,044 |
| Net loans and leases to total assets | 75.6138% | 1,658 |
| Net loans and leases to deposits | 85.7984% | 2,321 |
| Net loans and leases to core deposits | 93.5705% | 2,303 |
| Total domestic deposits to total assets | 88.1297% | 1,295 |
| Equity capital to assets | 10.3351% | 3,553 |
| Core capital (leverage) ratio | 10.3431% | 3,152 |
| Tier 1 risk-based capital ratio | 13.3282% | 3,804 |
| Total risk-based capital ratio | 14.5790% | 3,718 |
| Memoranda: | ||
| Average total assets | $328,941,250 | 2,029 |
| Average earning assets | $295,401,500 | 2,078 |
| Average equity | $32,755,500 | 2,198 |
| Average total loans | $248,477,250 | 1,831 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0940% | 477 |
| Cost of funding earning assets | 0.8070% | 509 |
| Net interest margin | 4.2870% | 891 |
| Noninterest income to average assets | 0.8445% | 1,426 |
| Noninterest expense to average assets | 2.7760% | 2,840 |
| Loan and lease loss provision to assets | 0.4021% | 326 |
| Net operating income to assets | 0.9938% | 2,452 |
| Return on assets (ROA) | 0.9938% | 2,506 |
| Pretax return on assets | 1.5050% | 1,615 |
| Return on Equity (ROE) | 10.1085% | 1,988 |
| Retained earnings to average equity (ytd only) | 10.1085% | 561 |
| Net charge-offs to loans | 0.3250% | 622 |
| Credit loss provision to net charge-offs | 164.5885% | 1,436 |
| Earnings coverage of net charge-offs (x) | 7.8055% | 2,573 |
| Efficiency ratio | 59.2766% | 4,430 |
| Assets per employee ($millions) | 6.0141% | 1,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 2,188 |
| Loan loss allowance to noncurrent loans | 70.4474% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 5.8294% | 79 |
| Noncurrent loans to loans | 1.9117% | 904 |
| Net loans and leases to total assets | 74.2790% | 1,813 |
| Net loans and leases to deposits | 83.9114% | 2,489 |
| Net loans and leases to core deposits | 91.0336% | 2,426 |
| Total domestic deposits to total assets | 88.5208% | 1,192 |
| Equity capital to assets | 10.0208% | 3,887 |
| Core capital (leverage) ratio | 10.0565% | 3,462 |
| Tier 1 risk-based capital ratio | 13.3964% | 3,751 |
| Total risk-based capital ratio | 14.6480% | 3,664 |
| Memoranda: | ||
| Average total assets | $328,245,670 | 2,031 |
| Average earning assets | $293,914,670 | 2,096 |
| Average equity | $32,270,000 | 2,215 |
| Average total loans | $246,775,670 | 1,844 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9518% | 567 |
| Cost of funding earning assets | 0.8141% | 448 |
| Net interest margin | 4.1377% | 1,123 |
| Noninterest income to average assets | 1.2502% | 659 |
| Noninterest expense to average assets | 2.8210% | 2,718 |
| Loan and lease loss provision to assets | 0.4037% | 277 |
| Net operating income to assets | 1.1303% | 1,746 |
| Return on assets (ROA) | 1.1303% | 1,783 |
| Pretax return on assets | 1.7249% | 952 |
| Return on Equity (ROE) | 11.6110% | 1,364 |
| Retained earnings to average equity (ytd only) | 11.6110% | 513 |
| Net charge-offs to loans | 0.1352% | 1,120 |
| Credit loss provision to net charge-offs | 397.5904% | 656 |
| Earnings coverage of net charge-offs (x) | 20.9639% | 1,469 |
| Efficiency ratio | 56.9946% | 4,835 |
| Assets per employee ($millions) | 5.9717% | 1,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3643% | 2,238 |
| Loan loss allowance to noncurrent loans | 56.6537% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 6.4535% | 70 |
| Noncurrent loans to loans | 2.4082% | 669 |
| Net loans and leases to total assets | 73.5646% | 1,810 |
| Net loans and leases to deposits | 83.0356% | 2,391 |
| Net loans and leases to core deposits | 89.9395% | 2,351 |
| Total domestic deposits to total assets | 88.5940% | 1,378 |
| Equity capital to assets | 9.8434% | 3,936 |
| Core capital (leverage) ratio | 9.8397% | 3,707 |
| Tier 1 risk-based capital ratio | 13.1645% | 3,983 |
| Total risk-based capital ratio | 14.4160% | 3,892 |
| Memoranda: | ||
| Average total assets | $326,982,000 | 2,057 |
| Average earning assets | $292,336,000 | 2,121 |
| Average equity | $31,832,000 | 2,246 |
| Average total loans | $245,639,000 | 1,861 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9957% | 594 |
| Cost of funding earning assets | 0.8762% | 336 |
| Net interest margin | 4.1195% | 1,335 |
| Noninterest income to average assets | 0.6182% | 2,560 |
| Noninterest expense to average assets | 2.7426% | 3,217 |
| Loan and lease loss provision to assets | 0.6908% | 180 |
| Net operating income to assets | 0.5940% | 4,232 |
| Return on assets (ROA) | 0.5999% | 4,318 |
| Pretax return on assets | 0.8513% | 4,009 |
| Return on Equity (ROE) | 6.4304% | 3,774 |
| Retained earnings to average equity (ytd only) | 6.4304% | 1,485 |
| Net charge-offs to loans | 0.8217% | 245 |
| Credit loss provision to net charge-offs | 114.1633% | 2,306 |
| Earnings coverage of net charge-offs (x) | 2.5343% | 3,814 |
| Efficiency ratio | 64.1369% | 3,917 |
| Assets per employee ($millions) | 6.0282% | 1,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 2,779 |
| Loan loss allowance to noncurrent loans | 44.7061% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 6.9166% | 70 |
| Noncurrent loans to loans | 2.8106% | 515 |
| Net loans and leases to total assets | 74.7181% | 1,742 |
| Net loans and leases to deposits | 84.0692% | 2,404 |
| Net loans and leases to core deposits | 91.0774% | 2,394 |
| Total domestic deposits to total assets | 88.8769% | 1,171 |
| Equity capital to assets | 9.6258% | 4,147 |
| Core capital (leverage) ratio | 9.4123% | 4,209 |
| Tier 1 risk-based capital ratio | 12.6262% | 4,307 |
| Total risk-based capital ratio | 13.8776% | 4,196 |
| Memoranda: | ||
| Average total assets | $327,867,000 | 2,016 |
| Average earning assets | $291,128,600 | 2,093 |
| Average equity | $30,589,000 | 2,314 |
| Average total loans | $241,461,400 | 1,838 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9650% | 638 |
| Cost of funding earning assets | 0.8843% | 315 |
| Net interest margin | 4.0808% | 1,437 |
| Noninterest income to average assets | 0.4806% | 3,374 |
| Noninterest expense to average assets | 2.6532% | 3,484 |
| Loan and lease loss provision to assets | 0.7449% | 146 |
| Net operating income to assets | 0.5193% | 4,625 |
| Return on assets (ROA) | 0.5277% | 4,690 |
| Pretax return on assets | 0.7132% | 4,575 |
| Return on Equity (ROE) | 5.7011% | 4,212 |
| Retained earnings to average equity (ytd only) | 5.7011% | 2,354 |
| Net charge-offs to loans | 0.8818% | 205 |
| Credit loss provision to net charge-offs | 115.4814% | 2,149 |
| Earnings coverage of net charge-offs (x) | 2.2429% | 3,598 |
| Efficiency ratio | 64.7129% | 3,810 |
| Assets per employee ($millions) | 6.0960% | 1,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2415% | 3,007 |
| Loan loss allowance to noncurrent loans | 33.2392% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 7.8935% | 60 |
| Noncurrent loans to loans | 3.7350% | 323 |
| Net loans and leases to total assets | 73.9457% | 1,877 |
| Net loans and leases to deposits | 83.0343% | 2,596 |
| Net loans and leases to core deposits | 90.2296% | 2,555 |
| Total domestic deposits to total assets | 89.0544% | 877 |
| Equity capital to assets | 9.4522% | 4,712 |
| Core capital (leverage) ratio | 9.1620% | 4,644 |
| Tier 1 risk-based capital ratio | 12.2801% | 4,622 |
| Total risk-based capital ratio | 13.5237% | 4,525 |
| Memoranda: | ||
| Average total assets | $328,453,250 | 2,019 |
| Average earning assets | $291,311,000 | 2,095 |
| Average equity | $30,402,750 | 2,340 |
| Average total loans | $240,247,000 | 1,849 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9527% | 643 |
| Cost of funding earning assets | 0.8850% | 313 |
| Net interest margin | 4.0677% | 1,452 |
| Noninterest income to average assets | 0.6441% | 2,397 |
| Noninterest expense to average assets | 2.6331% | 3,601 |
| Loan and lease loss provision to assets | 0.8440% | 121 |
| Net operating income to assets | 0.5385% | 4,528 |
| Return on assets (ROA) | 0.5423% | 4,619 |
| Pretax return on assets | 0.7745% | 4,374 |
| Return on Equity (ROE) | 5.9008% | 4,093 |
| Retained earnings to average equity (ytd only) | 5.9008% | 2,181 |
| Net charge-offs to loans | 0.6567% | 312 |
| Credit loss provision to net charge-offs | 177.1100% | 1,416 |
| Earnings coverage of net charge-offs (x) | 3.3849% | 3,118 |
| Efficiency ratio | 62.0121% | 4,349 |
| Assets per employee ($millions) | 6.4042% | 1,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4071% | 2,263 |
| Loan loss allowance to noncurrent loans | 34.6833% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 8.5672% | 58 |
| Noncurrent loans to loans | 4.0571% | 283 |
| Net loans and leases to total assets | 71.8929% | 2,191 |
| Net loans and leases to deposits | 80.4602% | 2,875 |
| Net loans and leases to core deposits | 87.0429% | 2,811 |
| Total domestic deposits to total assets | 89.3522% | 739 |
| Equity capital to assets | 9.2329% | 5,042 |
| Core capital (leverage) ratio | 9.0891% | 4,730 |
| Tier 1 risk-based capital ratio | 12.0315% | 4,804 |
| Total risk-based capital ratio | 13.2838% | 4,717 |
| Memoranda: | ||
| Average total assets | $328,210,330 | 2,024 |
| Average earning assets | $290,628,000 | 2,110 |
| Average equity | $30,165,330 | 2,356 |
| Average total loans | $238,170,670 | 1,866 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9681% | 617 |
| Cost of funding earning assets | 0.8917% | 307 |
| Net interest margin | 4.0764% | 1,409 |
| Noninterest income to average assets | 0.3720% | 4,063 |
| Noninterest expense to average assets | 2.7108% | 3,378 |
| Loan and lease loss provision to assets | 0.6507% | 165 |
| Net operating income to assets | 0.4408% | 4,856 |
| Return on assets (ROA) | 0.4408% | 4,942 |
| Pretax return on assets | 0.6139% | 4,777 |
| Return on Equity (ROE) | 4.8068% | 4,576 |
| Retained earnings to average equity (ytd only) | 4.8068% | 3,064 |
| Net charge-offs to loans | 0.9328% | 208 |
| Credit loss provision to net charge-offs | 96.3636% | 1,707 |
| Earnings coverage of net charge-offs (x) | 1.8727% | 2,763 |
| Efficiency ratio | 68.1902% | 3,434 |
| Assets per employee ($millions) | 6.0363% | 1,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 3,608 |
| Loan loss allowance to noncurrent loans | 27.4703% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 8.9508% | 59 |
| Noncurrent loans to loans | 4.2925% | 265 |
| Net loans and leases to total assets | 70.5296% | 2,262 |
| Net loans and leases to deposits | 78.8137% | 2,914 |
| Net loans and leases to core deposits | 85.3278% | 2,812 |
| Total domestic deposits to total assets | 89.4890% | 840 |
| Equity capital to assets | 9.0788% | 5,100 |
| Core capital (leverage) ratio | 9.1485% | 4,658 |
| Tier 1 risk-based capital ratio | 11.8354% | 5,026 |
| Total risk-based capital ratio | 12.9628% | 5,007 |
| Memoranda: | ||
| Average total assets | $325,807,500 | 2,051 |
| Average earning assets | $287,998,000 | 2,137 |
| Average equity | $29,874,500 | 2,375 |
| Average total loans | $235,840,000 | 1,876 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9526% | 684 |
| Cost of funding earning assets | 0.9857% | 188 |
| Net interest margin | 3.9669% | 1,819 |
| Noninterest income to average assets | 0.7072% | 2,168 |
| Noninterest expense to average assets | 3.1911% | 1,987 |
| Loan and lease loss provision to assets | 0.5738% | 192 |
| Net operating income to assets | 0.3137% | 5,323 |
| Return on assets (ROA) | 0.3159% | 5,399 |
| Pretax return on assets | 0.4280% | 5,265 |
| Return on Equity (ROE) | 3.5682% | 5,117 |
| Retained earnings to average equity (ytd only) | 3.5682% | 3,522 |
| Net charge-offs to loans | 1.0707% | 181 |
| Credit loss provision to net charge-offs | 74.6936% | 3,045 |
| Earnings coverage of net charge-offs (x) | 1.3001% | 4,112 |
| Efficiency ratio | 76.1618% | 2,243 |
| Assets per employee ($millions) | 5.9189% | 1,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 3,494 |
| Loan loss allowance to noncurrent loans | 24.3447% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 9.9490% | 55 |
| Noncurrent loans to loans | 4.9243% | 198 |
| Net loans and leases to total assets | 72.5603% | 1,960 |
| Net loans and leases to deposits | 81.1984% | 2,690 |
| Net loans and leases to core deposits | 88.4451% | 2,561 |
| Total domestic deposits to total assets | 89.3618% | 931 |
| Equity capital to assets | 9.2635% | 4,829 |
| Core capital (leverage) ratio | 8.9149% | 4,985 |
| Tier 1 risk-based capital ratio | 11.6737% | 5,149 |
| Total risk-based capital ratio | 12.8146% | 5,119 |
| Memoranda: | ||
| Average total assets | $329,199,400 | 1,996 |
| Average earning assets | $289,019,400 | 2,076 |
| Average equity | $29,146,400 | 2,382 |
| Average total loans | $236,199,800 | 1,831 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9283% | 725 |
| Cost of funding earning assets | 0.9957% | 183 |
| Net interest margin | 3.9325% | 1,924 |
| Noninterest income to average assets | 0.7213% | 2,141 |
| Noninterest expense to average assets | 3.2127% | 1,937 |
| Loan and lease loss provision to assets | 0.3816% | 327 |
| Net operating income to assets | 0.4181% | 5,094 |
| Return on assets (ROA) | 0.4210% | 5,170 |
| Pretax return on assets | 0.5802% | 5,028 |
| Return on Equity (ROE) | 4.8085% | 4,712 |
| Retained earnings to average equity (ytd only) | 4.8085% | 3,047 |
| Net charge-offs to loans | 0.8375% | 240 |
| Credit loss provision to net charge-offs | 63.8627% | 2,861 |
| Earnings coverage of net charge-offs (x) | 1.6030% | 3,799 |
| Efficiency ratio | 77.0343% | 2,086 |
| Assets per employee ($millions) | 5.9569% | 1,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 3,450 |
| Loan loss allowance to noncurrent loans | 22.9975% | 5,544 |
| Noncurrent assets plus other real estate owned to assets | 10.6332% | 51 |
| Noncurrent loans to loans | 5.3766% | 173 |
| Net loans and leases to total assets | 72.4319% | 1,993 |
| Net loans and leases to deposits | 81.1093% | 2,755 |
| Net loans and leases to core deposits | 88.0408% | 2,660 |
| Total domestic deposits to total assets | 89.3015% | 870 |
| Equity capital to assets | 9.1945% | 5,122 |
| Core capital (leverage) ratio | 8.6282% | 5,434 |
| Tier 1 risk-based capital ratio | 11.3688% | 5,449 |
| Total risk-based capital ratio | 12.5451% | 5,393 |
| Memoranda: | ||
| Average total assets | $331,594,000 | 1,997 |
| Average earning assets | $290,833,000 | 2,089 |
| Average equity | $29,031,000 | 2,402 |
| Average total loans | $236,566,750 | 1,829 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8666% | 782 |
| Cost of funding earning assets | 0.9922% | 187 |
| Net interest margin | 3.8743% | 2,062 |
| Noninterest income to average assets | 0.4174% | 3,944 |
| Noninterest expense to average assets | 3.0600% | 2,363 |
| Loan and lease loss provision to assets | 0.1851% | 1,095 |
| Net operating income to assets | 0.4150% | 5,095 |
| Return on assets (ROA) | 0.4150% | 5,197 |
| Pretax return on assets | 0.5721% | 5,041 |
| Return on Equity (ROE) | 4.8181% | 4,694 |
| Retained earnings to average equity (ytd only) | 4.8181% | 2,977 |
| Net charge-offs to loans | 0.6411% | 364 |
| Credit loss provision to net charge-offs | 40.8432% | 2,803 |
| Earnings coverage of net charge-offs (x) | 1.6706% | 3,474 |
| Efficiency ratio | 80.1627% | 1,735 |
| Assets per employee ($millions) | 6.2595% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2894% | 3,303 |
| Loan loss allowance to noncurrent loans | 19.6264% | 5,682 |
| Noncurrent assets plus other real estate owned to assets | 11.3816% | 47 |
| Noncurrent loans to loans | 6.5696% | 131 |
| Net loans and leases to total assets | 69.3437% | 2,437 |
| Net loans and leases to deposits | 77.3042% | 3,119 |
| Net loans and leases to core deposits | 83.8513% | 2,994 |
| Total domestic deposits to total assets | 89.7024% | 786 |
| Equity capital to assets | 8.6874% | 5,538 |
| Core capital (leverage) ratio | 8.4340% | 5,591 |
| Tier 1 risk-based capital ratio | 11.4624% | 5,489 |
| Total risk-based capital ratio | 12.6759% | 5,432 |
| Memoranda: | ||
| Average total assets | $334,901,330 | 1,981 |
| Average earning assets | $293,883,670 | 2,080 |
| Average equity | $28,849,330 | 2,432 |
| Average total loans | $236,785,670 | 1,827 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8995% | 701 |
| Cost of funding earning assets | 0.9845% | 198 |
| Net interest margin | 3.9150% | 1,839 |
| Noninterest income to average assets | 0.1914% | 5,562 |
| Noninterest expense to average assets | 2.5203% | 4,202 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7442% | 3,573 |
| Return on assets (ROA) | 0.7442% | 3,701 |
| Pretax return on assets | 1.1032% | 3,060 |
| Return on Equity (ROE) | 8.6753% | 2,612 |
| Retained earnings to average equity (ytd only) | 8.6753% | 1,316 |
| Net charge-offs to loans | 0.6838% | 353 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.2745% | 2,791 |
| Efficiency ratio | 69.5538% | 3,566 |
| Assets per employee ($millions) | 6.3946% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 3,447 |
| Loan loss allowance to noncurrent loans | 25.8750% | 5,631 |
| Noncurrent assets plus other real estate owned to assets | 10.2339% | 65 |
| Noncurrent loans to loans | 4.9914% | 267 |
| Net loans and leases to total assets | 68.6897% | 2,332 |
| Net loans and leases to deposits | 76.2416% | 3,027 |
| Net loans and leases to core deposits | 82.2277% | 2,939 |
| Total domestic deposits to total assets | 90.0948% | 701 |
| Equity capital to assets | 8.6388% | 5,624 |
| Core capital (leverage) ratio | 8.4034% | 5,627 |
| Tier 1 risk-based capital ratio | 11.1010% | 5,760 |
| Total risk-based capital ratio | 12.3033% | 5,705 |
| Memoranda: | ||
| Average total assets | $336,474,000 | 1,979 |
| Average earning assets | $294,970,500 | 2,083 |
| Average equity | $28,863,500 | 2,440 |
| Average total loans | $238,650,000 | 1,822 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1616% | 562 |
| Cost of funding earning assets | 1.0502% | 183 |
| Net interest margin | 4.1113% | 1,543 |
| Noninterest income to average assets | 0.9350% | 1,397 |
| Noninterest expense to average assets | 2.5827% | 4,284 |
| Loan and lease loss provision to assets | 0.6003% | 234 |
| Net operating income to assets | 0.8942% | 2,905 |
| Return on assets (ROA) | 0.8942% | 2,992 |
| Pretax return on assets | 1.3590% | 2,044 |
| Return on Equity (ROE) | 11.5666% | 1,536 |
| Retained earnings to average equity (ytd only) | 11.5666% | 330 |
| Net charge-offs to loans | 0.8187% | 424 |
| Credit loss provision to net charge-offs | 99.4610% | 2,446 |
| Earnings coverage of net charge-offs (x) | 3.2464% | 3,937 |
| Efficiency ratio | 56.8620% | 5,584 |
| Assets per employee ($millions) | 6.4237% | 1,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4305% | 2,798 |
| Loan loss allowance to noncurrent loans | 27.1840% | 5,719 |
| Noncurrent assets plus other real estate owned to assets | 10.5058% | 80 |
| Noncurrent loans to loans | 5.2623% | 264 |
| Net loans and leases to total assets | 71.2505% | 2,042 |
| Net loans and leases to deposits | 78.9405% | 2,844 |
| Net loans and leases to core deposits | 84.7193% | 2,819 |
| Total domestic deposits to total assets | 90.2585% | 626 |
| Equity capital to assets | 8.5168% | 5,739 |
| Core capital (leverage) ratio | 8.3415% | 5,734 |
| Tier 1 risk-based capital ratio | 11.0308% | 5,893 |
| Total risk-based capital ratio | 12.2822% | 5,837 |
| Memoranda: | ||
| Average total assets | $338,178,400 | 1,922 |
| Average earning assets | $296,692,600 | 2,021 |
| Average equity | $26,144,200 | 2,558 |
| Average total loans | $249,297,000 | 1,691 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1699% | 553 |
| Cost of funding earning assets | 1.0586% | 183 |
| Net interest margin | 4.1113% | 1,540 |
| Noninterest income to average assets | 0.8734% | 1,611 |
| Noninterest expense to average assets | 2.5407% | 4,392 |
| Loan and lease loss provision to assets | 0.2083% | 1,116 |
| Net operating income to assets | 1.1379% | 1,910 |
| Return on assets (ROA) | 1.1379% | 1,971 |
| Pretax return on assets | 1.7298% | 1,017 |
| Return on Equity (ROE) | 15.0966% | 809 |
| Retained earnings to average equity (ytd only) | 15.0966% | 201 |
| Net charge-offs to loans | 0.8750% | 376 |
| Credit loss provision to net charge-offs | 32.1407% | 3,422 |
| Earnings coverage of net charge-offs (x) | 2.9903% | 3,771 |
| Efficiency ratio | 56.7266% | 5,588 |
| Assets per employee ($millions) | 6.4683% | 1,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9343% | 5,483 |
| Loan loss allowance to noncurrent loans | 60.7772% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 7.6336% | 142 |
| Noncurrent loans to loans | 1.5373% | 2,105 |
| Net loans and leases to total assets | 73.9515% | 1,532 |
| Net loans and leases to deposits | 81.9230% | 2,434 |
| Net loans and leases to core deposits | 87.6532% | 2,470 |
| Total domestic deposits to total assets | 90.2694% | 622 |
| Equity capital to assets | 8.2529% | 5,978 |
| Core capital (leverage) ratio | 8.1718% | 5,956 |
| Tier 1 risk-based capital ratio | 10.7499% | 6,110 |
| Total risk-based capital ratio | 11.6521% | 6,196 |
| Memoranda: | ||
| Average total assets | $339,214,500 | 1,926 |
| Average earning assets | $297,482,000 | 2,028 |
| Average equity | $25,568,000 | 2,617 |
| Average total loans | $251,257,500 | 1,691 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1091% | 610 |
| Cost of funding earning assets | 1.0611% | 183 |
| Net interest margin | 4.0479% | 1,667 |
| Noninterest income to average assets | 0.9148% | 1,446 |
| Noninterest expense to average assets | 2.4858% | 4,626 |
| Loan and lease loss provision to assets | 0.3116% | 619 |
| Net operating income to assets | 1.0995% | 1,945 |
| Return on assets (ROA) | 1.0995% | 2,011 |
| Pretax return on assets | 1.6656% | 1,098 |
| Return on Equity (ROE) | 15.0578% | 782 |
| Retained earnings to average equity (ytd only) | 15.0578% | 212 |
| Net charge-offs to loans | 1.2598% | 241 |
| Credit loss provision to net charge-offs | 33.4807% | 3,007 |
| Earnings coverage of net charge-offs (x) | 2.1244% | 3,627 |
| Efficiency ratio | 55.6975% | 5,775 |
| Assets per employee ($millions) | 6.5877% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9582% | 5,528 |
| Loan loss allowance to noncurrent loans | 83.2298% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 7.2198% | 171 |
| Noncurrent loans to loans | 1.1513% | 2,927 |
| Net loans and leases to total assets | 72.7759% | 1,610 |
| Net loans and leases to deposits | 79.8821% | 2,529 |
| Net loans and leases to core deposits | 85.4139% | 2,568 |
| Total domestic deposits to total assets | 91.1040% | 381 |
| Equity capital to assets | 7.6775% | 6,304 |
| Core capital (leverage) ratio | 7.5172% | 6,310 |
| Tier 1 risk-based capital ratio | 9.7978% | 6,450 |
| Total risk-based capital ratio | 10.7080% | 6,486 |
| Memoranda: | ||
| Average total assets | $340,168,330 | 1,915 |
| Average earning assets | $298,175,670 | 2,021 |
| Average equity | $24,837,670 | 2,676 |
| Average total loans | $251,315,330 | 1,688 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1918% | 492 |
| Cost of funding earning assets | 1.0629% | 197 |
| Net interest margin | 4.1289% | 1,395 |
| Noninterest income to average assets | 0.7859% | 1,818 |
| Noninterest expense to average assets | 2.4486% | 4,790 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2815% | 1,265 |
| Return on assets (ROA) | 1.2815% | 1,314 |
| Pretax return on assets | 1.9541% | 583 |
| Return on Equity (ROE) | 18.0200% | 439 |
| Retained earnings to average equity (ytd only) | 18.0200% | 180 |
| Net charge-offs to loans | 0.5161% | 716 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.1111% | 2,424 |
| Efficiency ratio | 55.6151% | 5,868 |
| Assets per employee ($millions) | 6.6989% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 4,389 |
| Loan loss allowance to noncurrent loans | 206.1024% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 6.6540% | 239 |
| Noncurrent loans to loans | 0.6057% | 4,345 |
| Net loans and leases to total assets | 72.7279% | 1,457 |
| Net loans and leases to deposits | 79.5941% | 2,353 |
| Net loans and leases to core deposits | 84.8438% | 2,431 |
| Total domestic deposits to total assets | 91.3735% | 425 |
| Equity capital to assets | 7.2874% | 6,383 |
| Core capital (leverage) ratio | 7.2624% | 6,411 |
| Tier 1 risk-based capital ratio | 9.5103% | 6,547 |
| Total risk-based capital ratio | 10.7163% | 6,535 |
| Memoranda: | ||
| Average total assets | $338,972,500 | 1,936 |
| Average earning assets | $296,931,000 | 2,032 |
| Average equity | $24,106,500 | 2,748 |
| Average total loans | $251,116,500 | 1,690 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3630% | 469 |
| Cost of funding earning assets | 1.2168% | 159 |
| Net interest margin | 4.1462% | 1,517 |
| Noninterest income to average assets | 1.0831% | 1,209 |
| Noninterest expense to average assets | 3.0049% | 3,043 |
| Loan and lease loss provision to assets | 0.2969% | 1,139 |
| Net operating income to assets | 1.8189% | 466 |
| Return on assets (ROA) | 1.8189% | 475 |
| Pretax return on assets | 1.3918% | 1,813 |
| Return on Equity (ROE) | 31.5317% | 63 |
| Retained earnings to average equity (ytd only) | 31.5317% | 28 |
| Net charge-offs to loans | 0.5575% | 1,183 |
| Credit loss provision to net charge-offs | 71.1738% | 3,274 |
| Earnings coverage of net charge-offs (x) | 4.0483% | 3,689 |
| Efficiency ratio | 64.0211% | 4,890 |
| Assets per employee ($millions) | 7.1553% | 704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3826% | 3,732 |
| Loan loss allowance to noncurrent loans | 122.7418% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 7.0981% | 233 |
| Noncurrent loans to loans | 1.1264% | 3,287 |
| Net loans and leases to total assets | 73.4926% | 1,437 |
| Net loans and leases to deposits | 80.1101% | 2,444 |
| Net loans and leases to core deposits | 85.2614% | 2,534 |
| Total domestic deposits to total assets | 91.7395% | 347 |
| Equity capital to assets | 6.9331% | 6,473 |
| Core capital (leverage) ratio | 6.8418% | 6,552 |
| Tier 1 risk-based capital ratio | 8.9445% | 6,664 |
| Total risk-based capital ratio | 10.1956% | 6,657 |
| Memoranda: | ||
| Average total assets | $322,673,200 | 1,992 |
| Average earning assets | $280,980,800 | 2,107 |
| Average equity | $18,613,000 | 3,324 |
| Average total loans | $241,445,600 | 1,716 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3334% | 502 |
| Cost of funding earning assets | 1.2480% | 158 |
| Net interest margin | 4.0854% | 1,672 |
| Noninterest income to average assets | 1.0632% | 1,293 |
| Noninterest expense to average assets | 2.9433% | 3,158 |
| Loan and lease loss provision to assets | 0.4001% | 755 |
| Net operating income to assets | 2.0542% | 327 |
| Return on assets (ROA) | 2.0542% | 338 |
| Pretax return on assets | 1.2729% | 2,439 |
| Return on Equity (ROE) | 37.6120% | 37 |
| Retained earnings to average equity (ytd only) | 37.6120% | 17 |
| Net charge-offs to loans | 0.1104% | 3,437 |
| Credit loss provision to net charge-offs | 483.8384% | 559 |
| Earnings coverage of net charge-offs (x) | 20.2326% | 1,599 |
| Efficiency ratio | 63.7597% | 4,843 |
| Assets per employee ($millions) | 7.0781% | 716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8375% | 2,182 |
| Loan loss allowance to noncurrent loans | 84.6267% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 7.6334% | 249 |
| Noncurrent loans to loans | 2.1713% | 2,039 |
| Net loans and leases to total assets | 74.0767% | 1,282 |
| Net loans and leases to deposits | 80.6524% | 2,316 |
| Net loans and leases to core deposits | 85.8100% | 2,431 |
| Total domestic deposits to total assets | 91.8469% | 272 |
| Equity capital to assets | 6.7989% | 6,591 |
| Core capital (leverage) ratio | 6.5648% | 6,655 |
| Tier 1 risk-based capital ratio | 8.2487% | 6,755 |
| Total risk-based capital ratio | 9.5049% | 6,757 |
| Memoranda: | ||
| Average total assets | $319,266,750 | 2,024 |
| Average earning assets | $277,666,250 | 2,136 |
| Average equity | $17,437,250 | 3,540 |
| Average total loans | $239,152,000 | 1,731 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3192% | 508 |
| Cost of funding earning assets | 1.2746% | 160 |
| Net interest margin | 4.0446% | 1,716 |
| Noninterest income to average assets | 0.8748% | 1,909 |
| Noninterest expense to average assets | 2.9003% | 3,334 |
| Loan and lease loss provision to assets | 0.3386% | 1,001 |
| Net operating income to assets | 0.7859% | 3,372 |
| Return on assets (ROA) | 0.7859% | 3,533 |
| Pretax return on assets | 1.1620% | 2,831 |
| Return on Equity (ROE) | 15.7476% | 699 |
| Retained earnings to average equity (ytd only) | 15.7476% | 201 |
| Net charge-offs to loans | 0.2747% | 2,107 |
| Credit loss provision to net charge-offs | 165.0155% | 1,430 |
| Earnings coverage of net charge-offs (x) | 7.3127% | 2,566 |
| Efficiency ratio | 65.9015% | 4,566 |
| Assets per employee ($millions) | 6.9694% | 727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6713% | 2,893 |
| Loan loss allowance to noncurrent loans | 81.8823% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 8.1471% | 243 |
| Noncurrent loans to loans | 2.0410% | 2,352 |
| Net loans and leases to total assets | 74.5648% | 1,166 |
| Net loans and leases to deposits | 79.4998% | 2,404 |
| Net loans and leases to core deposits | 86.4125% | 2,298 |
| Total domestic deposits to total assets | 93.7924% | 72 |
| Equity capital to assets | 4.8654% | 6,832 |
| Core capital (leverage) ratio | 4.7293% | 6,843 |
| Tier 1 risk-based capital ratio | 6.0041% | 6,871 |
| Total risk-based capital ratio | 7.2588% | 6,873 |
| Memoranda: | ||
| Average total assets | $314,799,000 | 2,060 |
| Average earning assets | $274,440,000 | 2,159 |
| Average equity | $15,710,330 | 3,820 |
| Average total loans | $235,188,000 | 1,748 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2559% | 546 |
| Cost of funding earning assets | 1.2996% | 157 |
| Net interest margin | 3.9563% | 1,931 |
| Noninterest income to average assets | 0.5271% | 3,592 |
| Noninterest expense to average assets | 2.8060% | 3,674 |
| Loan and lease loss provision to assets | 0.1924% | 1,919 |
| Net operating income to assets | 0.6656% | 3,871 |
| Return on assets (ROA) | 0.6656% | 4,023 |
| Pretax return on assets | 0.9682% | 3,492 |
| Return on Equity (ROE) | 13.1672% | 1,125 |
| Retained earnings to average equity (ytd only) | 13.1672% | 534 |
| Net charge-offs to loans | 0.3339% | 1,638 |
| Credit loss provision to net charge-offs | 77.7202% | 2,185 |
| Earnings coverage of net charge-offs (x) | 4.6891% | 2,498 |
| Efficiency ratio | 70.7404% | 3,843 |
| Assets per employee ($millions) | 6.8957% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6112% | 3,354 |
| Loan loss allowance to noncurrent loans | 51.3616% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 8.8736% | 260 |
| Noncurrent loans to loans | 3.1370% | 1,581 |
| Net loans and leases to total assets | 73.3468% | 1,161 |
| Net loans and leases to deposits | 78.3069% | 2,297 |
| Net loans and leases to core deposits | 86.4442% | 2,066 |
| Total domestic deposits to total assets | 93.6658% | 89 |
| Equity capital to assets | 5.0334% | 6,888 |
| Core capital (leverage) ratio | 4.6863% | 6,896 |
| Tier 1 risk-based capital ratio | 5.8861% | 6,932 |
| Total risk-based capital ratio | 7.1399% | 6,933 |
| Memoranda: | ||
| Average total assets | $311,903,000 | 2,106 |
| Average earning assets | $271,164,000 | 2,208 |
| Average equity | $15,766,500 | 3,856 |
| Average total loans | $231,226,500 | 1,785 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0651% | 1,390 |
| Cost of funding earning assets | 1.5338% | 142 |
| Net interest margin | 3.5313% | 4,367 |
| Noninterest income to average assets | 1.0842% | 1,319 |
| Noninterest expense to average assets | 3.3087% | 2,311 |
| Loan and lease loss provision to assets | 0.6385% | 841 |
| Net operating income to assets | 0.2089% | 5,760 |
| Return on assets (ROA) | 0.2405% | 5,862 |
| Pretax return on assets | 0.2949% | 5,827 |
| Return on Equity (ROE) | 4.8195% | 4,769 |
| Retained earnings to average equity (ytd only) | 4.8195% | 2,831 |
| Net charge-offs to loans | 1.4582% | 619 |
| Credit loss provision to net charge-offs | 60.0999% | 4,440 |
| Earnings coverage of net charge-offs (x) | 0.8423% | 5,056 |
| Efficiency ratio | 78.7123% | 2,324 |
| Assets per employee ($millions) | 7.1304% | 732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7050% | 2,916 |
| Loan loss allowance to noncurrent loans | 42.1047% | 5,528 |
| Noncurrent assets plus other real estate owned to assets | 9.3795% | 247 |
| Noncurrent loans to loans | 4.0493% | 1,155 |
| Net loans and leases to total assets | 72.4493% | 1,427 |
| Net loans and leases to deposits | 77.3501% | 2,606 |
| Net loans and leases to core deposits | 85.5826% | 2,363 |
| Total domestic deposits to total assets | 93.6642% | 81 |
| Equity capital to assets | 5.0772% | 6,945 |
| Core capital (leverage) ratio | 4.5188% | 6,962 |
| Tier 1 risk-based capital ratio | 5.7436% | 6,999 |
| Total risk-based capital ratio | 6.9981% | 7,001 |
| Memoranda: | ||
| Average total assets | $301,508,000 | 2,131 |
| Average earning assets | $266,334,000 | 2,184 |
| Average equity | $15,043,000 | 3,958 |
| Average total loans | $219,653,200 | 1,841 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9231% | 1,928 |
| Cost of funding earning assets | 1.5711% | 145 |
| Net interest margin | 3.3520% | 5,210 |
| Noninterest income to average assets | 0.9965% | 1,507 |
| Noninterest expense to average assets | 3.5190% | 1,713 |
| Loan and lease loss provision to assets | 0.3109% | 2,124 |
| Net operating income to assets | 0.1333% | 6,062 |
| Return on assets (ROA) | 0.1807% | 6,120 |
| Pretax return on assets | 0.1972% | 6,131 |
| Return on Equity (ROE) | 3.6390% | 5,437 |
| Retained earnings to average equity (ytd only) | 3.6390% | 4,324 |
| Net charge-offs to loans | 0.5870% | 1,869 |
| Credit loss provision to net charge-offs | 72.9167% | 3,824 |
| Earnings coverage of net charge-offs (x) | 1.0708% | 4,776 |
| Efficiency ratio | 88.5165% | 1,145 |
| Assets per employee ($millions) | 7.2572% | 652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1490% | 1,808 |
| Loan loss allowance to noncurrent loans | 26.4484% | 6,289 |
| Noncurrent assets plus other real estate owned to assets | 10.1039% | 238 |
| Noncurrent loans to loans | 8.1253% | 377 |
| Net loans and leases to total assets | 72.7651% | 1,427 |
| Net loans and leases to deposits | 77.6829% | 2,708 |
| Net loans and leases to core deposits | 85.5655% | 2,521 |
| Total domestic deposits to total assets | 93.6694% | 79 |
| Equity capital to assets | 5.0117% | 7,049 |
| Core capital (leverage) ratio | 4.4272% | 7,061 |
| Tier 1 risk-based capital ratio | 5.6790% | 7,094 |
| Total risk-based capital ratio | 6.9396% | 7,096 |
| Memoranda: | ||
| Average total assets | $300,233,500 | 2,154 |
| Average earning assets | $266,818,000 | 2,211 |
| Average equity | $14,912,000 | 4,027 |
| Average total loans | $218,069,750 | 1,868 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8896% | 2,152 |
| Cost of funding earning assets | 1.6261% | 140 |
| Net interest margin | 3.2635% | 5,555 |
| Noninterest income to average assets | 0.7887% | 2,239 |
| Noninterest expense to average assets | 3.6939% | 1,386 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0187% | 6,298 |
| Return on assets (ROA) | 0.0964% | 6,321 |
| Pretax return on assets | 0.0656% | 6,368 |
| Return on Equity (ROE) | 1.9472% | 6,057 |
| Retained earnings to average equity (ytd only) | 1.9472% | 5,222 |
| Net charge-offs to loans | 0.6840% | 1,620 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -0.0245% | 5,097 |
| Efficiency ratio | 100.3273% | 547 |
| Assets per employee ($millions) | 7.4873% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0396% | 2,130 |
| Loan loss allowance to noncurrent loans | 26.2670% | 6,313 |
| Noncurrent assets plus other real estate owned to assets | 10.6728% | 230 |
| Noncurrent loans to loans | 7.7648% | 456 |
| Net loans and leases to total assets | 70.4826% | 1,825 |
| Net loans and leases to deposits | 75.2074% | 3,099 |
| Net loans and leases to core deposits | 83.7492% | 2,723 |
| Total domestic deposits to total assets | 93.7177% | 89 |
| Equity capital to assets | 5.0028% | 7,096 |
| Core capital (leverage) ratio | 4.2151% | 7,118 |
| Tier 1 risk-based capital ratio | 5.5928% | 7,141 |
| Total risk-based capital ratio | 6.8515% | 7,143 |
| Memoranda: | ||
| Average total assets | $298,710,000 | 2,165 |
| Average earning assets | $264,805,670 | 2,227 |
| Average equity | $14,790,670 | 4,034 |
| Average total loans | $215,205,670 | 1,902 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8880% | 2,292 |
| Cost of funding earning assets | 1.6641% | 141 |
| Net interest margin | 3.2239% | 5,721 |
| Noninterest income to average assets | 0.5082% | 3,860 |
| Noninterest expense to average assets | 3.3374% | 2,180 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0737% | 6,287 |
| Return on assets (ROA) | 0.0737% | 6,406 |
| Pretax return on assets | 0.0282% | 6,490 |
| Return on Equity (ROE) | 1.4972% | 6,223 |
| Retained earnings to average equity (ytd only) | 1.4972% | 5,491 |
| Net charge-offs to loans | 0.4966% | 1,850 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.0787% | 4,329 |
| Efficiency ratio | 99.1633% | 582 |
| Assets per employee ($millions) | 7.1257% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2362% | 1,807 |
| Loan loss allowance to noncurrent loans | 22.6770% | 6,465 |
| Noncurrent assets plus other real estate owned to assets | 11.9223% | 208 |
| Noncurrent loans to loans | 9.8613% | 317 |
| Net loans and leases to total assets | 71.0518% | 1,563 |
| Net loans and leases to deposits | 75.7165% | 2,840 |
| Net loans and leases to core deposits | 84.4240% | 2,495 |
| Total domestic deposits to total assets | 93.8392% | 96 |
| Equity capital to assets | 4.8857% | 7,146 |
| Core capital (leverage) ratio | 4.2553% | 7,161 |
| Tier 1 risk-based capital ratio | 5.5631% | 7,186 |
| Total risk-based capital ratio | 6.8244% | 7,187 |
| Memoranda: | ||
| Average total assets | $298,319,500 | 2,177 |
| Average earning assets | $264,403,500 | 2,241 |
| Average equity | $14,694,500 | 4,055 |
| Average total loans | $215,066,500 | 1,903 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8622% | 3,535 |
| Cost of funding earning assets | 1.8227% | 198 |
| Net interest margin | 3.0395% | 6,466 |
| Noninterest income to average assets | 0.0690% | 6,759 |
| Noninterest expense to average assets | 2.6884% | 4,786 |
| Loan and lease loss provision to assets | 2.2985% | 218 |
| Net operating income to assets | -2.2848% | 7,075 |
| Return on assets (ROA) | -2.3005% | 7,093 |
| Pretax return on assets | -2.2441% | 7,077 |
| Return on Equity (ROE) | -37.5420% | 7,146 |
| Retained earnings to average equity (ytd only) | -37.5420% | 7,141 |
| Net charge-offs to loans | 2.9347% | 338 |
| Credit loss provision to net charge-offs | 108.7423% | 3,099 |
| Earnings coverage of net charge-offs (x) | 0.0331% | 5,796 |
| Efficiency ratio | 97.4607% | 755 |
| Assets per employee ($millions) | 7.2527% | 639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4132% | 1,446 |
| Loan loss allowance to noncurrent loans | 28.1675% | 6,295 |
| Noncurrent assets plus other real estate owned to assets | 11.9882% | 212 |
| Noncurrent loans to loans | 8.5672% | 436 |
| Net loans and leases to total assets | 69.7791% | 2,078 |
| Net loans and leases to deposits | 74.9104% | 3,357 |
| Net loans and leases to core deposits | 83.7464% | 2,923 |
| Total domestic deposits to total assets | 93.1501% | 130 |
| Equity capital to assets | 4.9660% | 7,173 |
| Core capital (leverage) ratio | 4.1629% | 7,199 |
| Tier 1 risk-based capital ratio | 5.5479% | 7,220 |
| Total risk-based capital ratio | 6.8109% | 7,221 |
| Memoranda: | ||
| Average total assets | $299,806,800 | 2,132 |
| Average earning assets | $265,271,200 | 2,207 |
| Average equity | $18,371,400 | 3,376 |
| Average total loans | $215,931,200 | 1,905 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9109% | 3,506 |
| Cost of funding earning assets | 1.8447% | 215 |
| Net interest margin | 3.0663% | 6,457 |
| Noninterest income to average assets | 0.0240% | 7,034 |
| Noninterest expense to average assets | 2.3722% | 5,844 |
| Loan and lease loss provision to assets | 2.9740% | 113 |
| Net operating income to assets | -1.5609% | 7,056 |
| Return on assets (ROA) | -1.5742% | 7,070 |
| Pretax return on assets | -2.6283% | 7,234 |
| Return on Equity (ROE) | -24.5387% | 7,161 |
| Retained earnings to average equity (ytd only) | -24.5387% | 7,150 |
| Net charge-offs to loans | 3.6187% | 203 |
| Credit loss provision to net charge-offs | 113.9045% | 2,872 |
| Earnings coverage of net charge-offs (x) | 0.1404% | 5,500 |
| Efficiency ratio | 86.6148% | 1,470 |
| Assets per employee ($millions) | 7.9514% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5322% | 1,350 |
| Loan loss allowance to noncurrent loans | 34.5700% | 5,991 |
| Noncurrent assets plus other real estate owned to assets | 10.7942% | 307 |
| Noncurrent loans to loans | 7.3249% | 655 |
| Net loans and leases to total assets | 68.7265% | 2,328 |
| Net loans and leases to deposits | 74.6238% | 3,571 |
| Net loans and leases to core deposits | 83.5482% | 3,120 |
| Total domestic deposits to total assets | 92.0974% | 199 |
| Equity capital to assets | 6.0297% | 7,181 |
| Core capital (leverage) ratio | 4.5177% | 7,274 |
| Tier 1 risk-based capital ratio | 5.8683% | 7,303 |
| Total risk-based capital ratio | 7.1325% | 7,304 |
| Memoranda: | ||
| Average total assets | $300,418,500 | 2,140 |
| Average earning assets | $265,984,250 | 2,204 |
| Average equity | $19,272,500 | 3,250 |
| Average total loans | $216,757,500 | 1,905 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7294% | 4,402 |
| Cost of funding earning assets | 1.8711% | 237 |
| Net interest margin | 2.8584% | 6,851 |
| Noninterest income to average assets | -0.1121% | 7,297 |
| Noninterest expense to average assets | 2.4920% | 5,574 |
| Loan and lease loss provision to assets | 3.7193% | 92 |
| Net operating income to assets | -2.2932% | 7,240 |
| Return on assets (ROA) | -2.3299% | 7,250 |
| Pretax return on assets | -3.8414% | 7,378 |
| Return on Equity (ROE) | -35.5999% | 7,285 |
| Retained earnings to average equity (ytd only) | -35.5999% | 7,280 |
| Net charge-offs to loans | 4.9892% | 125 |
| Credit loss provision to net charge-offs | 102.5377% | 3,015 |
| Earnings coverage of net charge-offs (x) | -0.0178% | 5,297 |
| Efficiency ratio | 102.6656% | 643 |
| Assets per employee ($millions) | 7.6787% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2119% | 1,899 |
| Loan loss allowance to noncurrent loans | 27.9143% | 6,386 |
| Noncurrent assets plus other real estate owned to assets | 10.5252% | 350 |
| Noncurrent loans to loans | 7.9239% | 576 |
| Net loans and leases to total assets | 69.6057% | 2,298 |
| Net loans and leases to deposits | 75.4905% | 3,561 |
| Net loans and leases to core deposits | 86.3615% | 2,853 |
| Total domestic deposits to total assets | 92.2046% | 201 |
| Equity capital to assets | 5.9375% | 7,252 |
| Core capital (leverage) ratio | 4.4070% | 7,347 |
| Tier 1 risk-based capital ratio | 5.8153% | 7,368 |
| Total risk-based capital ratio | 7.0759% | 7,372 |
| Memoranda: | ||
| Average total assets | $299,840,000 | 2,149 |
| Average earning assets | $266,374,330 | 2,208 |
| Average equity | $19,623,670 | 3,183 |
| Average total loans | $217,991,670 | 1,920 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8847% | 3,665 |
| Cost of funding earning assets | 1.8935% | 256 |
| Net interest margin | 2.9912% | 6,593 |
| Noninterest income to average assets | 0.3813% | 4,862 |
| Noninterest expense to average assets | 2.5945% | 5,249 |
| Loan and lease loss provision to assets | 1.0666% | 697 |
| Net operating income to assets | -0.3213% | 6,677 |
| Return on assets (ROA) | -0.3213% | 6,688 |
| Pretax return on assets | -0.6133% | 6,826 |
| Return on Equity (ROE) | -4.6921% | 6,793 |
| Retained earnings to average equity (ytd only) | -4.6921% | 6,491 |
| Net charge-offs to loans | 2.0526% | 620 |
| Credit loss provision to net charge-offs | 70.7339% | 3,341 |
| Earnings coverage of net charge-offs (x) | 0.3006% | 4,391 |
| Efficiency ratio | 85.1269% | 1,826 |
| Assets per employee ($millions) | 7.6545% | 545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9761% | 2,476 |
| Loan loss allowance to noncurrent loans | 21.4705% | 6,714 |
| Noncurrent assets plus other real estate owned to assets | 11.4322% | 305 |
| Noncurrent loans to loans | 9.2038% | 473 |
| Net loans and leases to total assets | 70.5539% | 2,020 |
| Net loans and leases to deposits | 77.3594% | 3,180 |
| Net loans and leases to core deposits | 90.2087% | 2,325 |
| Total domestic deposits to total assets | 91.2027% | 531 |
| Equity capital to assets | 6.8671% | 7,126 |
| Core capital (leverage) ratio | 5.9608% | 7,258 |
| Tier 1 risk-based capital ratio | 7.7360% | 7,311 |
| Total risk-based capital ratio | 8.9935% | 7,316 |
| Memoranda: | ||
| Average total assets | $300,024,500 | 2,160 |
| Average earning assets | $267,447,000 | 2,216 |
| Average equity | $20,545,000 | 3,049 |
| Average total loans | $220,405,500 | 1,922 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5438% | 2,110 |
| Cost of funding earning assets | 2.3911% | 157 |
| Net interest margin | 3.1526% | 6,381 |
| Noninterest income to average assets | 0.3388% | 5,364 |
| Noninterest expense to average assets | 2.5021% | 5,787 |
| Loan and lease loss provision to assets | 2.2097% | 550 |
| Net operating income to assets | -0.8942% | 6,629 |
| Return on assets (ROA) | -0.8210% | 6,615 |
| Pretax return on assets | -1.4114% | 6,823 |
| Return on Equity (ROE) | -11.3355% | 6,784 |
| Retained earnings to average equity (ytd only) | -11.3355% | 6,727 |
| Net charge-offs to loans | 3.2693% | 474 |
| Credit loss provision to net charge-offs | 91.0731% | 5,080 |
| Earnings coverage of net charge-offs (x) | 0.2818% | 5,825 |
| Efficiency ratio | 78.5365% | 2,608 |
| Assets per employee ($millions) | 7.3542% | 631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0257% | 2,236 |
| Loan loss allowance to noncurrent loans | 33.3139% | 6,093 |
| Noncurrent assets plus other real estate owned to assets | 8.2521% | 586 |
| Noncurrent loans to loans | 6.0807% | 1,015 |
| Net loans and leases to total assets | 73.4160% | 1,787 |
| Net loans and leases to deposits | 82.0422% | 2,792 |
| Net loans and leases to core deposits | 95.5437% | 2,067 |
| Total domestic deposits to total assets | 89.4857% | 1,387 |
| Equity capital to assets | 6.8286% | 7,165 |
| Core capital (leverage) ratio | 6.1446% | 7,272 |
| Tier 1 risk-based capital ratio | 8.0038% | 7,350 |
| Total risk-based capital ratio | 9.2632% | 7,356 |
| Memoranda: | ||
| Average total assets | $308,415,000 | 2,099 |
| Average earning assets | $278,529,600 | 2,124 |
| Average equity | $22,337,000 | 2,839 |
| Average total loans | $228,886,200 | 1,907 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5054% | 2,413 |
| Cost of funding earning assets | 2.4797% | 155 |
| Net interest margin | 3.0258% | 6,779 |
| Noninterest income to average assets | 0.1887% | 6,533 |
| Noninterest expense to average assets | 2.5450% | 5,541 |
| Loan and lease loss provision to assets | 2.6138% | 383 |
| Net operating income to assets | -1.2964% | 7,031 |
| Return on assets (ROA) | -1.2815% | 7,048 |
| Pretax return on assets | -2.2101% | 7,254 |
| Return on Equity (ROE) | -17.4524% | 7,170 |
| Retained earnings to average equity (ytd only) | -17.4524% | 7,149 |
| Net charge-offs to loans | 3.9809% | 308 |
| Credit loss provision to net charge-offs | 88.6814% | 4,819 |
| Earnings coverage of net charge-offs (x) | 0.1291% | 5,894 |
| Efficiency ratio | 86.9949% | 1,533 |
| Assets per employee ($millions) | 7.3693% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0076% | 2,197 |
| Loan loss allowance to noncurrent loans | 36.9034% | 5,874 |
| Noncurrent assets plus other real estate owned to assets | 7.1721% | 745 |
| Noncurrent loans to loans | 5.4401% | 1,230 |
| Net loans and leases to total assets | 72.1968% | 2,210 |
| Net loans and leases to deposits | 79.1300% | 3,613 |
| Net loans and leases to core deposits | 94.5155% | 2,454 |
| Total domestic deposits to total assets | 91.2382% | 371 |
| Equity capital to assets | 6.8945% | 7,367 |
| Core capital (leverage) ratio | 6.2823% | 7,390 |
| Tier 1 risk-based capital ratio | 8.3658% | 7,444 |
| Total risk-based capital ratio | 9.6242% | 7,452 |
| Memoranda: | ||
| Average total assets | $310,137,750 | 2,131 |
| Average earning assets | $280,515,000 | 2,141 |
| Average equity | $22,773,750 | 2,834 |
| Average total loans | $229,621,750 | 1,921 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4893% | 2,569 |
| Cost of funding earning assets | 2.5447% | 149 |
| Net interest margin | 2.9446% | 6,946 |
| Noninterest income to average assets | 0.3229% | 5,572 |
| Noninterest expense to average assets | 2.1950% | 6,659 |
| Loan and lease loss provision to assets | 1.8414% | 675 |
| Net operating income to assets | -0.5614% | 6,712 |
| Return on assets (ROA) | -0.5422% | 6,719 |
| Pretax return on assets | -1.0185% | 6,897 |
| Return on Equity (ROE) | -7.2413% | 6,852 |
| Retained earnings to average equity (ytd only) | -7.2413% | 6,760 |
| Net charge-offs to loans | 0.7812% | 2,294 |
| Credit loss provision to net charge-offs | 317.8808% | 1,152 |
| Earnings coverage of net charge-offs (x) | 1.3687% | 4,460 |
| Efficiency ratio | 73.4646% | 3,570 |
| Assets per employee ($millions) | 7.6934% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1224% | 752 |
| Loan loss allowance to noncurrent loans | 59.7748% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 7.2029% | 722 |
| Noncurrent loans to loans | 5.2236% | 1,306 |
| Net loans and leases to total assets | 71.0088% | 2,654 |
| Net loans and leases to deposits | 78.1488% | 3,937 |
| Net loans and leases to core deposits | 93.3294% | 2,811 |
| Total domestic deposits to total assets | 90.8636% | 541 |
| Equity capital to assets | 7.3408% | 7,201 |
| Core capital (leverage) ratio | 7.2533% | 7,031 |
| Tier 1 risk-based capital ratio | 9.7051% | 7,182 |
| Total risk-based capital ratio | 10.9750% | 7,165 |
| Memoranda: | ||
| Average total assets | $312,803,330 | 2,133 |
| Average earning assets | $283,098,000 | 2,133 |
| Average equity | $23,421,330 | 2,751 |
| Average total loans | $231,960,670 | 1,925 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6720% | 1,879 |
| Cost of funding earning assets | 2.5839% | 172 |
| Net interest margin | 3.0881% | 6,624 |
| Noninterest income to average assets | 0.4893% | 4,132 |
| Noninterest expense to average assets | 2.0521% | 7,056 |
| Loan and lease loss provision to assets | 1.1442% | 1,072 |
| Net operating income to assets | 0.1348% | 5,906 |
| Return on assets (ROA) | 0.1528% | 5,972 |
| Pretax return on assets | 0.0950% | 6,154 |
| Return on Equity (ROE) | 2.0208% | 5,755 |
| Retained earnings to average equity (ytd only) | 2.0208% | 4,920 |
| Net charge-offs to loans | 0.6611% | 2,169 |
| Credit loss provision to net charge-offs | 232.0313% | 1,642 |
| Earnings coverage of net charge-offs (x) | 2.4766% | 3,304 |
| Efficiency ratio | 62.6913% | 5,710 |
| Assets per employee ($millions) | 7.3757% | 691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4787% | 1,325 |
| Loan loss allowance to noncurrent loans | 49.6933% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 7.2958% | 717 |
| Noncurrent loans to loans | 4.9879% | 1,455 |
| Net loans and leases to total assets | 73.0547% | 2,185 |
| Net loans and leases to deposits | 80.9159% | 3,474 |
| Net loans and leases to core deposits | 94.6286% | 2,755 |
| Total domestic deposits to total assets | 90.2847% | 840 |
| Equity capital to assets | 7.6464% | 6,968 |
| Core capital (leverage) ratio | 7.6545% | 6,675 |
| Tier 1 risk-based capital ratio | 10.0596% | 6,989 |
| Total risk-based capital ratio | 11.3240% | 6,975 |
| Memoranda: | ||
| Average total assets | $311,490,000 | 2,186 |
| Average earning assets | $280,817,000 | 2,202 |
| Average equity | $23,554,500 | 2,765 |
| Average total loans | $232,340,000 | 1,982 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1744% | 1,309 |
| Cost of funding earning assets | 3.2679% | 98 |
| Net interest margin | 2.9065% | 6,855 |
| Noninterest income to average assets | 0.3485% | 5,602 |
| Noninterest expense to average assets | 2.4625% | 6,262 |
| Loan and lease loss provision to assets | 1.8362% | 1,226 |
| Net operating income to assets | -0.8360% | 6,463 |
| Return on assets (ROA) | -0.8879% | 6,501 |
| Pretax return on assets | -1.4230% | 6,653 |
| Return on Equity (ROE) | -11.2741% | 6,719 |
| Retained earnings to average equity (ytd only) | -11.2741% | 6,622 |
| Net charge-offs to loans | 1.7163% | 1,466 |
| Credit loss provision to net charge-offs | 136.5768% | 3,614 |
| Earnings coverage of net charge-offs (x) | 0.3678% | 5,749 |
| Efficiency ratio | 83.2785% | 2,442 |
| Assets per employee ($millions) | 7.4572% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2548% | 1,555 |
| Loan loss allowance to noncurrent loans | 72.9891% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 5.1957% | 1,155 |
| Noncurrent loans to loans | 3.0892% | 2,477 |
| Net loans and leases to total assets | 72.5972% | 2,603 |
| Net loans and leases to deposits | 79.9693% | 3,999 |
| Net loans and leases to core deposits | 131.6498% | 1,190 |
| Total domestic deposits to total assets | 90.7813% | 623 |
| Equity capital to assets | 7.4783% | 7,051 |
| Core capital (leverage) ratio | 7.6053% | 6,677 |
| Tier 1 risk-based capital ratio | 9.9018% | 6,953 |
| Total risk-based capital ratio | 11.1634% | 6,920 |
| Memoranda: | ||
| Average total assets | $298,109,600 | 2,224 |
| Average earning assets | $267,539,400 | 2,262 |
| Average equity | $23,478,600 | 2,786 |
| Average total loans | $233,529,800 | 2,006 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4383% | 858 |
| Cost of funding earning assets | 3.4160% | 97 |
| Net interest margin | 3.0223% | 6,542 |
| Noninterest income to average assets | 0.3157% | 5,956 |
| Noninterest expense to average assets | 2.5435% | 5,923 |
| Loan and lease loss provision to assets | 1.2543% | 1,538 |
| Net operating income to assets | -0.4433% | 6,369 |
| Return on assets (ROA) | -0.4077% | 6,329 |
| Pretax return on assets | -0.7175% | 6,497 |
| Return on Equity (ROE) | -5.1078% | 6,466 |
| Retained earnings to average equity (ytd only) | -5.1078% | 6,273 |
| Net charge-offs to loans | 0.6206% | 2,818 |
| Credit loss provision to net charge-offs | 254.5037% | 1,680 |
| Earnings coverage of net charge-offs (x) | 0.9761% | 5,081 |
| Efficiency ratio | 84.0947% | 2,285 |
| Assets per employee ($millions) | 7.1374% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3317% | 1,260 |
| Loan loss allowance to noncurrent loans | 271.7770% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 3.6170% | 1,819 |
| Noncurrent loans to loans | 0.8580% | 5,583 |
| Net loans and leases to total assets | 74.5181% | 2,372 |
| Net loans and leases to deposits | 82.3181% | 3,954 |
| Net loans and leases to core deposits | 127.3248% | 1,635 |
| Total domestic deposits to total assets | 90.5245% | 582 |
| Equity capital to assets | 7.5909% | 7,228 |
| Core capital (leverage) ratio | 7.7001% | 6,733 |
| Tier 1 risk-based capital ratio | 9.7607% | 7,177 |
| Total risk-based capital ratio | 11.0232% | 7,127 |
| Memoranda: | ||
| Average total assets | $294,336,750 | 2,267 |
| Average earning assets | $263,808,750 | 2,305 |
| Average equity | $23,492,750 | 2,808 |
| Average total loans | $233,757,250 | 2,027 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5120% | 803 |
| Cost of funding earning assets | 3.4785% | 120 |
| Net interest margin | 3.0335% | 6,455 |
| Noninterest income to average assets | 0.3357% | 5,826 |
| Noninterest expense to average assets | 2.5987% | 5,745 |
| Loan and lease loss provision to assets | 1.7019% | 987 |
| Net operating income to assets | -0.7628% | 6,804 |
| Return on assets (ROA) | -0.7169% | 6,770 |
| Pretax return on assets | -1.1580% | 6,910 |
| Return on Equity (ROE) | -8.8293% | 6,956 |
| Retained earnings to average equity (ytd only) | -8.8293% | 6,756 |
| Net charge-offs to loans | 0.7285% | 2,228 |
| Credit loss provision to net charge-offs | 290.1293% | 1,610 |
| Earnings coverage of net charge-offs (x) | 0.8049% | 4,930 |
| Efficiency ratio | 84.6240% | 2,407 |
| Assets per employee ($millions) | 6.5472% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2968% | 1,104 |
| Loan loss allowance to noncurrent loans | 257.2450% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 3.5713% | 1,745 |
| Noncurrent loans to loans | 0.8928% | 5,428 |
| Net loans and leases to total assets | 77.9244% | 1,758 |
| Net loans and leases to deposits | 86.2151% | 3,508 |
| Net loans and leases to core deposits | 129.9971% | 1,560 |
| Total domestic deposits to total assets | 90.3837% | 674 |
| Equity capital to assets | 7.6545% | 7,130 |
| Core capital (leverage) ratio | 7.9843% | 6,361 |
| Tier 1 risk-based capital ratio | 9.5753% | 7,329 |
| Total risk-based capital ratio | 10.8373% | 7,274 |
| Memoranda: | ||
| Average total assets | $290,146,330 | 2,318 |
| Average earning assets | $261,609,330 | 2,336 |
| Average equity | $23,558,000 | 2,805 |
| Average total loans | $233,622,330 | 2,056 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5572% | 774 |
| Cost of funding earning assets | 3.5180% | 145 |
| Net interest margin | 3.0392% | 6,376 |
| Noninterest income to average assets | 0.3001% | 6,037 |
| Noninterest expense to average assets | 2.2313% | 6,751 |
| Loan and lease loss provision to assets | 0.6238% | 2,023 |
| Net operating income to assets | 0.1973% | 5,669 |
| Return on assets (ROA) | 0.1973% | 5,840 |
| Pretax return on assets | 0.2140% | 5,902 |
| Return on Equity (ROE) | 2.3607% | 5,636 |
| Retained earnings to average equity (ytd only) | 2.3607% | 4,562 |
| Net charge-offs to loans | 0.4362% | 2,364 |
| Credit loss provision to net charge-offs | 176.7717% | 2,445 |
| Earnings coverage of net charge-offs (x) | 2.3740% | 3,544 |
| Efficiency ratio | 72.7026% | 4,059 |
| Assets per employee ($millions) | 6.6358% | 898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7009% | 2,148 |
| Loan loss allowance to noncurrent loans | 72.1365% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 3.9421% | 1,311 |
| Noncurrent loans to loans | 2.3579% | 2,796 |
| Net loans and leases to total assets | 78.6615% | 1,655 |
| Net loans and leases to deposits | 87.4937% | 3,382 |
| Net loans and leases to core deposits | 128.5887% | 1,739 |
| Total domestic deposits to total assets | 89.9053% | 841 |
| Equity capital to assets | 8.2209% | 6,506 |
| Core capital (leverage) ratio | 8.4749% | 5,589 |
| Tier 1 risk-based capital ratio | 10.0873% | 6,820 |
| Total risk-based capital ratio | 11.3421% | 6,734 |
| Memoranda: | ||
| Average total assets | $287,907,500 | 2,346 |
| Average earning assets | $262,308,000 | 2,347 |
| Average equity | $24,061,000 | 2,761 |
| Average total loans | $232,943,000 | 2,073 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3131% | 581 |
| Cost of funding earning assets | 4.0794% | 75 |
| Net interest margin | 3.2338% | 6,262 |
| Noninterest income to average assets | 0.3897% | 5,562 |
| Noninterest expense to average assets | 1.9701% | 7,496 |
| Loan and lease loss provision to assets | 1.2936% | 1,100 |
| Net operating income to assets | 0.1335% | 6,019 |
| Return on assets (ROA) | 0.1335% | 5,858 |
| Pretax return on assets | 0.1541% | 5,835 |
| Return on Equity (ROE) | 1.5703% | 5,747 |
| Retained earnings to average equity (ytd only) | 1.5703% | 4,275 |
| Net charge-offs to loans | 1.1410% | 1,064 |
| Credit loss provision to net charge-offs | 138.6346% | 3,832 |
| Earnings coverage of net charge-offs (x) | 1.5515% | 5,323 |
| Efficiency ratio | 57.6426% | 6,758 |
| Assets per employee ($millions) | 6.7581% | 785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6272% | 2,129 |
| Loan loss allowance to noncurrent loans | 66.8140% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 2.8960% | 1,606 |
| Noncurrent loans to loans | 2.4354% | 2,251 |
| Net loans and leases to total assets | 80.4894% | 1,553 |
| Net loans and leases to deposits | 89.7824% | 3,490 |
| Net loans and leases to core deposits | 194.8902% | 188 |
| Total domestic deposits to total assets | 89.6495% | 786 |
| Equity capital to assets | 8.4974% | 6,088 |
| Core capital (leverage) ratio | 8.5191% | 5,541 |
| Tier 1 risk-based capital ratio | 10.2134% | 6,503 |
| Total risk-based capital ratio | 11.4674% | 6,362 |
| Memoranda: | ||
| Average total assets | $281,001,800 | 2,310 |
| Average earning assets | $263,129,200 | 2,264 |
| Average equity | $23,880,800 | 2,743 |
| Average total loans | $229,790,800 | 2,050 |