Home > First National Bank of Griffin > Performance and Condition Ratios
First National Bank of Griffin, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0764% | 2,975 |
| Cost of funding earning assets | 0.7276% | 4,183 |
| Net interest margin | 4.3488% | 790 |
| Noninterest income to average assets | 1.2300% | 427 |
| Noninterest expense to average assets | 2.9515% | 1,220 |
| Loan and lease loss provision to assets | 0.1800% | 680 |
| Net operating income to assets | 1.7522% | 692 |
| Return on assets (ROA) | 1.7420% | 700 |
| Pretax return on assets | 2.0832% | 596 |
| Return on Equity (ROE) | 23.8900% | 228 |
| Retained earnings to average equity (ytd only) | 23.8907% | 89 |
| Net charge-offs to loans | 0.0248% | 1,488 |
| Credit loss provision to net charge-offs | 1,866.6667% | 217 |
| Earnings coverage of net charge-offs (x) | 231.5556% | 374 |
| Efficiency ratio | 56.4290% | 3,370 |
| Assets per employee ($millions) | 5.0123% | 3,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 2,228 |
| Loan loss allowance to noncurrent loans | 755.0218% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 3,241 |
| Noncurrent loans to loans | 0.1579% | 2,936 |
| Net loans and leases to total assets | 38.6300% | 4,018 |
| Net loans and leases to deposits | 43.9217% | 4,044 |
| Net loans and leases to core deposits | 44.8014% | 4,085 |
| Total domestic deposits to total assets | 87.9500% | 1,571 |
| Equity capital to assets | 7.5270% | 3,837 |
| Core capital (leverage) ratio | 10.4775% | 2,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5127% | 710 |
| Memoranda: | ||
| Average total assets | $365,776,000 | 2,188 |
| Average earning assets | $336,458,000 | 2,200 |
| Average equity | $26,671,500 | 2,599 |
| Average total loans | $145,278,000 | 2,811 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2463% | 2,634 |
| Cost of funding earning assets | 0.7199% | 4,221 |
| Net interest margin | 4.5265% | 620 |
| Noninterest income to average assets | 0.6700% | 1,265 |
| Noninterest expense to average assets | 2.9856% | 1,170 |
| Loan and lease loss provision to assets | 0.0900% | 1,528 |
| Net operating income to assets | 1.3720% | 1,120 |
| Return on assets (ROA) | 1.3720% | 1,121 |
| Pretax return on assets | 1.7634% | 885 |
| Return on Equity (ROE) | 21.2500% | 332 |
| Retained earnings to average equity (ytd only) | 16.6139% | 95 |
| Net charge-offs to loans | 0.3515% | 418 |
| Credit loss provision to net charge-offs | 69.3833% | 2,210 |
| Earnings coverage of net charge-offs (x) | 14.9031% | 2,040 |
| Efficiency ratio | 61.7481% | 2,981 |
| Assets per employee ($millions) | 4.7453% | 3,801 |
| Cash dividends to net income (ytd only)* | 21.8171% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 2,797 |
| Loan loss allowance to noncurrent loans | 581.4815% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.0749% | 3,145 |
| Noncurrent loans to loans | 0.1855% | 2,764 |
| Net loans and leases to total assets | 39.9200% | 4,010 |
| Net loans and leases to deposits | 45.3712% | 4,041 |
| Net loans and leases to core deposits | 46.2819% | 4,087 |
| Total domestic deposits to total assets | 87.9900% | 1,520 |
| Equity capital to assets | 7.0499% | 3,946 |
| Core capital (leverage) ratio | 10.0820% | 2,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1359% | 873 |
| Memoranda: | ||
| Average total assets | $365,823,400 | 2,168 |
| Average earning assets | $336,730,200 | 2,176 |
| Average equity | $23,618,800 | 2,720 |
| Average total loans | $129,163,400 | 2,909 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2215% | 2,615 |
| Cost of funding earning assets | 0.7154% | 4,247 |
| Net interest margin | 4.5062% | 635 |
| Noninterest income to average assets | 0.6700% | 1,244 |
| Noninterest expense to average assets | 2.9788% | 1,133 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 1.3710% | 1,159 |
| Return on assets (ROA) | 1.3710% | 1,165 |
| Pretax return on assets | 1.7592% | 928 |
| Return on Equity (ROE) | 21.7300% | 319 |
| Retained earnings to average equity (ytd only) | 15.4237% | 220 |
| Net charge-offs to loans | 0.4339% | 309 |
| Credit loss provision to net charge-offs | 58.9681% | 1,991 |
| Earnings coverage of net charge-offs (x) | 12.4914% | 2,031 |
| Efficiency ratio | 61.7342% | 2,966 |
| Assets per employee ($millions) | 4.4721% | 3,945 |
| Cash dividends to net income (ytd only)* | 29.0066% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 2,537 |
| Loan loss allowance to noncurrent loans | 481.8750% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.0894% | 3,096 |
| Noncurrent loans to loans | 0.2367% | 2,588 |
| Net loans and leases to total assets | 37.3600% | 4,103 |
| Net loans and leases to deposits | 42.7170% | 4,137 |
| Net loans and leases to core deposits | 43.7323% | 4,178 |
| Total domestic deposits to total assets | 87.4600% | 1,437 |
| Equity capital to assets | 7.2298% | 4,067 |
| Core capital (leverage) ratio | 9.8069% | 2,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5148% | 855 |
| Memoranda: | ||
| Average total assets | $367,118,000 | 2,150 |
| Average earning assets | $338,284,000 | 2,161 |
| Average equity | $23,167,250 | 2,742 |
| Average total loans | $125,065,750 | 2,947 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1397% | 2,678 |
| Cost of funding earning assets | 0.6979% | 4,254 |
| Net interest margin | 4.4418% | 673 |
| Noninterest income to average assets | 0.6600% | 1,224 |
| Noninterest expense to average assets | 2.9219% | 1,213 |
| Loan and lease loss provision to assets | 0.1000% | 1,186 |
| Net operating income to assets | 1.3543% | 1,156 |
| Return on assets (ROA) | 1.3543% | 1,169 |
| Pretax return on assets | 1.7340% | 931 |
| Return on Equity (ROE) | 22.5200% | 318 |
| Retained earnings to average equity (ytd only) | 22.5170% | 91 |
| Net charge-offs to loans | 0.6262% | 201 |
| Credit loss provision to net charge-offs | 47.2441% | 1,836 |
| Earnings coverage of net charge-offs (x) | 8.8976% | 2,041 |
| Efficiency ratio | 61.4729% | 3,052 |
| Assets per employee ($millions) | 4.6278% | 3,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1431% | 2,547 |
| Loan loss allowance to noncurrent loans | 1,450.0000% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 3,523 |
| Noncurrent loans to loans | 0.0788% | 3,269 |
| Net loans and leases to total assets | 35.6700% | 4,162 |
| Net loans and leases to deposits | 40.3060% | 4,197 |
| Net loans and leases to core deposits | 41.2307% | 4,213 |
| Total domestic deposits to total assets | 88.5000% | 1,161 |
| Equity capital to assets | 6.6057% | 4,070 |
| Core capital (leverage) ratio | 9.7023% | 3,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3450% | 864 |
| Memoranda: | ||
| Average total assets | $370,235,000 | 2,127 |
| Average earning assets | $341,303,667 | 2,138 |
| Average equity | $22,267,667 | 2,770 |
| Average total loans | $121,686,333 | 2,972 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9550% | 2,878 |
| Cost of funding earning assets | 0.6631% | 4,273 |
| Net interest margin | 4.2918% | 755 |
| Noninterest income to average assets | 0.6600% | 1,157 |
| Noninterest expense to average assets | 2.8828% | 1,278 |
| Loan and lease loss provision to assets | 0.1600% | 649 |
| Net operating income to assets | 1.2369% | 1,354 |
| Return on assets (ROA) | 1.2369% | 1,363 |
| Pretax return on assets | 1.5783% | 1,131 |
| Return on Equity (ROE) | 21.6100% | 361 |
| Retained earnings to average equity (ytd only) | 21.6069% | 147 |
| Net charge-offs to loans | 1.2834% | 75 |
| Credit loss provision to net charge-offs | 40.1070% | 1,437 |
| Earnings coverage of net charge-offs (x) | 4.3316% | 1,904 |
| Efficiency ratio | 62.3693% | 2,995 |
| Assets per employee ($millions) | 5.0737% | 3,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 2,040 |
| Loan loss allowance to noncurrent loans | 100.6098% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.3985% | 1,543 |
| Noncurrent loans to loans | 1.2362% | 664 |
| Net loans and leases to total assets | 31.8400% | 4,249 |
| Net loans and leases to deposits | 35.8302% | 4,266 |
| Net loans and leases to core deposits | 36.6580% | 4,321 |
| Total domestic deposits to total assets | 88.8500% | 1,146 |
| Equity capital to assets | 5.9701% | 4,212 |
| Core capital (leverage) ratio | 9.3130% | 3,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2659% | 771 |
| Memoranda: | ||
| Average total assets | $372,554,500 | 2,131 |
| Average earning assets | $343,815,500 | 2,138 |
| Average equity | $21,326,500 | 2,855 |
| Average total loans | $116,566,500 | 3,026 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6393% | 2,804 |
| Cost of funding earning assets | 0.4636% | 4,236 |
| Net interest margin | 4.1758% | 969 |
| Noninterest income to average assets | 0.7700% | 1,018 |
| Noninterest expense to average assets | 2.9891% | 1,140 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.2315% | 1,579 |
| Return on assets (ROA) | 1.2329% | 1,548 |
| Pretax return on assets | 1.5797% | 1,274 |
| Return on Equity (ROE) | 25.7800% | 285 |
| Retained earnings to average equity (ytd only) | 21.7309% | 109 |
| Net charge-offs to loans | 0.0035% | 2,636 |
| Credit loss provision to net charge-offs | 5,500.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 1,543.0000% | 102 |
| Efficiency ratio | 64.6263% | 2,532 |
| Assets per employee ($millions) | 4.9964% | 3,636 |
| Cash dividends to net income (ytd only)* | 15.6955% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5027% | 1,043 |
| Loan loss allowance to noncurrent loans | 96.4447% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 0.4729% | 1,182 |
| Noncurrent loans to loans | 1.5580% | 431 |
| Net loans and leases to total assets | 29.8900% | 4,292 |
| Net loans and leases to deposits | 33.2336% | 4,319 |
| Net loans and leases to core deposits | 33.9501% | 4,365 |
| Total domestic deposits to total assets | 89.9500% | 767 |
| Equity capital to assets | 5.4815% | 4,340 |
| Core capital (leverage) ratio | 8.7465% | 3,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9125% | 937 |
| Memoranda: | ||
| Average total assets | $377,232,800 | 2,089 |
| Average earning assets | $348,390,200 | 2,100 |
| Average equity | $18,043,400 | 3,010 |
| Average total loans | $113,988,000 | 3,006 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5301% | 2,844 |
| Cost of funding earning assets | 0.4069% | 4,248 |
| Net interest margin | 4.1232% | 1,027 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 2.6627% | 1,755 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.4448% | 1,230 |
| Return on assets (ROA) | 1.4467% | 1,208 |
| Pretax return on assets | 1.8532% | 923 |
| Return on Equity (ROE) | 31.3800% | 201 |
| Retained earnings to average equity (ytd only) | 31.3826% | 80 |
| Net charge-offs to loans | 0.0070% | 2,179 |
| Credit loss provision to net charge-offs | 1,166.6667% | 369 |
| Earnings coverage of net charge-offs (x) | 885.8333% | 181 |
| Efficiency ratio | 58.6735% | 3,124 |
| Assets per employee ($millions) | 4.8395% | 3,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3774% | 1,543 |
| Loan loss allowance to noncurrent loans | 1,605.1546% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 3,544 |
| Noncurrent loans to loans | 0.0858% | 3,154 |
| Net loans and leases to total assets | 30.3100% | 4,308 |
| Net loans and leases to deposits | 33.2337% | 4,340 |
| Net loans and leases to core deposits | 33.8453% | 4,353 |
| Total domestic deposits to total assets | 91.2100% | 624 |
| Equity capital to assets | 4.9443% | 4,262 |
| Core capital (leverage) ratio | 8.9530% | 3,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4784% | 887 |
| Memoranda: | ||
| Average total assets | $377,858,250 | 2,088 |
| Average earning assets | $348,652,000 | 2,103 |
| Average equity | $17,419,000 | 3,047 |
| Average total loans | $114,052,000 | 3,013 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3962% | 2,893 |
| Cost of funding earning assets | 0.3281% | 4,274 |
| Net interest margin | 4.0681% | 1,131 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 2.6358% | 1,839 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.4195% | 1,282 |
| Return on assets (ROA) | 1.4386% | 1,226 |
| Pretax return on assets | 1.8499% | 938 |
| Return on Equity (ROE) | 31.9500% | 181 |
| Retained earnings to average equity (ytd only) | 31.9512% | 71 |
| Net charge-offs to loans | 0.0122% | 1,736 |
| Credit loss provision to net charge-offs | 857.1429% | 454 |
| Earnings coverage of net charge-offs (x) | 505.7143% | 293 |
| Efficiency ratio | 58.6642% | 3,113 |
| Assets per employee ($millions) | 4.8494% | 3,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3159% | 1,860 |
| Loan loss allowance to noncurrent loans | 1,458.4906% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 3,502 |
| Noncurrent loans to loans | 0.0902% | 3,055 |
| Net loans and leases to total assets | 31.0500% | 4,304 |
| Net loans and leases to deposits | 34.0545% | 4,331 |
| Net loans and leases to core deposits | 34.5068% | 4,354 |
| Total domestic deposits to total assets | 91.1700% | 602 |
| Equity capital to assets | 4.9574% | 4,387 |
| Core capital (leverage) ratio | 8.3740% | 4,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3812% | 1,054 |
| Memoranda: | ||
| Average total assets | $381,211,000 | 2,073 |
| Average earning assets | $352,349,667 | 2,083 |
| Average equity | $17,163,667 | 3,092 |
| Average total loans | $114,389,000 | 3,011 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2051% | 3,030 |
| Cost of funding earning assets | 0.2304% | 4,328 |
| Net interest margin | 3.9747% | 1,317 |
| Noninterest income to average assets | 0.7100% | 1,070 |
| Noninterest expense to average assets | 2.6174% | 1,903 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.3627% | 1,504 |
| Return on assets (ROA) | 1.3627% | 1,472 |
| Pretax return on assets | 1.7366% | 1,201 |
| Return on Equity (ROE) | 31.8300% | 203 |
| Retained earnings to average equity (ytd only) | 31.8253% | 99 |
| Net charge-offs to loans | 0.0142% | 1,427 |
| Credit loss provision to net charge-offs | 750.0000% | 428 |
| Earnings coverage of net charge-offs (x) | 425.5000% | 265 |
| Efficiency ratio | 59.6874% | 2,995 |
| Assets per employee ($millions) | 4.9130% | 3,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 1,837 |
| Loan loss allowance to noncurrent loans | 1,255.3719% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 3,461 |
| Noncurrent loans to loans | 0.1072% | 2,992 |
| Net loans and leases to total assets | 29.4400% | 4,375 |
| Net loans and leases to deposits | 32.0885% | 4,405 |
| Net loans and leases to core deposits | 32.3073% | 4,417 |
| Total domestic deposits to total assets | 91.7500% | 581 |
| Equity capital to assets | 4.7690% | 4,452 |
| Core capital (leverage) ratio | 7.7303% | 4,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1082% | 1,137 |
| Memoranda: | ||
| Average total assets | $385,114,500 | 2,084 |
| Average earning assets | $355,853,500 | 2,091 |
| Average equity | $16,490,000 | 3,175 |
| Average total loans | $112,842,500 | 3,065 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9625% | 4,176 |
| Cost of funding earning assets | 0.1064% | 4,362 |
| Net interest margin | 2.8561% | 3,780 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 2.5140% | 2,063 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.6461% | 3,768 |
| Return on assets (ROA) | 0.6461% | 3,720 |
| Pretax return on assets | 0.8131% | 3,593 |
| Return on Equity (ROE) | 14.0400% | 1,520 |
| Retained earnings to average equity (ytd only) | 14.0444% | 383 |
| Net charge-offs to loans | 0.0129% | 1,899 |
| Credit loss provision to net charge-offs | 428.5714% | 747 |
| Earnings coverage of net charge-offs (x) | 232.4286% | 576 |
| Efficiency ratio | 75.2171% | 1,100 |
| Assets per employee ($millions) | 5.2964% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3237% | 1,788 |
| Loan loss allowance to noncurrent loans | 1,044.0559% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 3,436 |
| Noncurrent loans to loans | 0.1268% | 2,879 |
| Net loans and leases to total assets | 28.4000% | 4,425 |
| Net loans and leases to deposits | 30.9976% | 4,453 |
| Net loans and leases to core deposits | 31.2230% | 4,466 |
| Total domestic deposits to total assets | 91.6100% | 748 |
| Equity capital to assets | 3.8116% | 4,541 |
| Core capital (leverage) ratio | 7.1337% | 4,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3241% | 1,284 |
| Memoranda: | ||
| Average total assets | $392,833,800 | 2,050 |
| Average earning assets | $363,885,200 | 2,053 |
| Average equity | $18,071,200 | 3,116 |
| Average total loans | $108,386,400 | 3,043 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6573% | 4,334 |
| Cost of funding earning assets | 0.0868% | 4,376 |
| Net interest margin | 2.5706% | 4,134 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 2.4915% | 2,036 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.4573% | 4,158 |
| Return on assets (ROA) | 0.4573% | 4,101 |
| Pretax return on assets | 0.5695% | 4,036 |
| Return on Equity (ROE) | 9.5300% | 2,863 |
| Retained earnings to average equity (ytd only) | 9.5325% | 1,472 |
| Net charge-offs to loans | 0.0025% | 2,173 |
| Credit loss provision to net charge-offs | 2,250.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 862.0000% | 184 |
| Efficiency ratio | 80.9902% | 716 |
| Assets per employee ($millions) | 5.0939% | 3,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 1,841 |
| Loan loss allowance to noncurrent loans | 495.3488% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 3,142 |
| Noncurrent loans to loans | 0.2706% | 2,292 |
| Net loans and leases to total assets | 27.6200% | 4,466 |
| Net loans and leases to deposits | 30.2965% | 4,495 |
| Net loans and leases to core deposits | 30.5776% | 4,502 |
| Total domestic deposits to total assets | 91.1600% | 1,171 |
| Equity capital to assets | 3.3164% | 4,564 |
| Core capital (leverage) ratio | 6.6449% | 4,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8469% | 1,472 |
| Memoranda: | ||
| Average total assets | $393,059,500 | 2,068 |
| Average earning assets | $364,114,000 | 2,070 |
| Average equity | $18,854,250 | 3,085 |
| Average total loans | $107,285,250 | 3,066 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4047% | 4,459 |
| Cost of funding earning assets | 0.0799% | 4,381 |
| Net interest margin | 2.3248% | 4,309 |
| Noninterest income to average assets | 0.7001% | 1,337 |
| Noninterest expense to average assets | 2.4998% | 1,931 |
| Loan and lease loss provision to assets | 0.0153% | 2,321 |
| Net operating income to assets | 0.2753% | 4,329 |
| Return on assets (ROA) | 0.2753% | 4,279 |
| Pretax return on assets | 0.3396% | 4,240 |
| Return on Equity (ROE) | 5.1960% | 3,776 |
| Retained earnings to average equity (ytd only) | 5.1960% | 2,637 |
| Net charge-offs to loans | 0.0038% | 1,897 |
| Credit loss provision to net charge-offs | 1,500.0000% | 295 |
| Earnings coverage of net charge-offs (x) | 347.5000% | 357 |
| Efficiency ratio | 87.5671% | 507 |
| Assets per employee ($millions) | 4.9060% | 3,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 2,167 |
| Loan loss allowance to noncurrent loans | 403.5519% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.0933% | 3,068 |
| Noncurrent loans to loans | 0.3235% | 2,183 |
| Net loans and leases to total assets | 28.4466% | 4,509 |
| Net loans and leases to deposits | 31.1972% | 4,519 |
| Net loans and leases to core deposits | 31.4587% | 4,541 |
| Total domestic deposits to total assets | 91.1832% | 1,154 |
| Equity capital to assets | 4.0382% | 4,619 |
| Core capital (leverage) ratio | 6.4870% | 4,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4896% | 1,575 |
| Memoranda: | ||
| Average total assets | $391,637,667 | 2,082 |
| Average earning assets | $362,956,667 | 2,088 |
| Average equity | $20,746,667 | 2,995 |
| Average total loans | $105,971,333 | 3,111 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2010% | 4,530 |
| Cost of funding earning assets | 0.0803% | 4,354 |
| Net interest margin | 2.1207% | 4,421 |
| Noninterest income to average assets | 0.6840% | 1,373 |
| Noninterest expense to average assets | 2.5254% | 1,816 |
| Loan and lease loss provision to assets | 0.0153% | 2,072 |
| Net operating income to assets | 0.1033% | 4,465 |
| Return on assets (ROA) | 0.1033% | 4,437 |
| Pretax return on assets | 0.1145% | 4,428 |
| Return on Equity (ROE) | 1.7417% | 4,300 |
| Retained earnings to average equity (ytd only) | 1.7417% | 3,620 |
| Net charge-offs to loans | 0.0117% | 1,334 |
| Credit loss provision to net charge-offs | 500.0000% | 514 |
| Earnings coverage of net charge-offs (x) | 42.3333% | 988 |
| Efficiency ratio | 95.1097% | 360 |
| Assets per employee ($millions) | 4.8206% | 3,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4139% | 1,859 |
| Loan loss allowance to noncurrent loans | 802.1978% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.0460% | 3,581 |
| Noncurrent loans to loans | 0.1762% | 2,938 |
| Net loans and leases to total assets | 25.7538% | 4,574 |
| Net loans and leases to deposits | 28.5726% | 4,582 |
| Net loans and leases to core deposits | 28.8128% | 4,601 |
| Total domestic deposits to total assets | 90.1347% | 1,486 |
| Equity capital to assets | 5.2083% | 4,700 |
| Core capital (leverage) ratio | 6.3387% | 4,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5849% | 1,368 |
| Memoranda: | ||
| Average total assets | $391,218,500 | 2,088 |
| Average earning assets | $363,658,000 | 2,099 |
| Average equity | $23,195,500 | 2,893 |
| Average total loans | $102,395,500 | 3,153 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5261% | 4,460 |
| Cost of funding earning assets | 0.0915% | 4,446 |
| Net interest margin | 2.4347% | 4,274 |
| Noninterest income to average assets | 0.7992% | 1,446 |
| Noninterest expense to average assets | 2.6602% | 1,732 |
| Loan and lease loss provision to assets | 0.0183% | 2,703 |
| Net operating income to assets | 0.2866% | 4,439 |
| Return on assets (ROA) | 0.4721% | 4,181 |
| Pretax return on assets | 0.6080% | 4,091 |
| Return on Equity (ROE) | 6.6284% | 3,614 |
| Retained earnings to average equity (ytd only) | 6.6284% | 2,065 |
| Net charge-offs to loans | 0.0148% | 2,019 |
| Credit loss provision to net charge-offs | 418.7500% | 892 |
| Earnings coverage of net charge-offs (x) | 89.6250% | 931 |
| Efficiency ratio | 87.1701% | 421 |
| Assets per employee ($millions) | 4.7796% | 3,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4262% | 1,817 |
| Loan loss allowance to noncurrent loans | 579.2000% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 3,525 |
| Noncurrent loans to loans | 0.2462% | 2,743 |
| Net loans and leases to total assets | 25.8508% | 4,628 |
| Net loans and leases to deposits | 28.9811% | 4,645 |
| Net loans and leases to core deposits | 29.2888% | 4,656 |
| Total domestic deposits to total assets | 89.1991% | 1,415 |
| Equity capital to assets | 6.6650% | 4,767 |
| Core capital (leverage) ratio | 6.3323% | 4,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7876% | 1,314 |
| Memoranda: | ||
| Average total assets | $366,257,400 | 2,120 |
| Average earning assets | $338,856,800 | 2,139 |
| Average equity | $26,084,800 | 2,778 |
| Average total loans | $108,282,400 | 3,099 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6128% | 4,491 |
| Cost of funding earning assets | 0.0932% | 4,553 |
| Net interest margin | 2.5196% | 4,238 |
| Noninterest income to average assets | 0.7918% | 1,549 |
| Noninterest expense to average assets | 2.6874% | 1,622 |
| Loan and lease loss provision to assets | 0.0191% | 2,624 |
| Net operating income to assets | 0.3118% | 4,504 |
| Return on assets (ROA) | 0.5554% | 4,134 |
| Pretax return on assets | 0.7201% | 4,032 |
| Return on Equity (ROE) | 7.6668% | 3,486 |
| Retained earnings to average equity (ytd only) | 7.6668% | 2,160 |
| Net charge-offs to loans | 0.0194% | 1,663 |
| Credit loss provision to net charge-offs | 325.0000% | 962 |
| Earnings coverage of net charge-offs (x) | 72.9375% | 1,041 |
| Efficiency ratio | 86.1795% | 427 |
| Assets per employee ($millions) | 4.6736% | 3,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 2,178 |
| Loan loss allowance to noncurrent loans | 387.5676% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 3,466 |
| Noncurrent loans to loans | 0.3510% | 2,522 |
| Net loans and leases to total assets | 26.8041% | 4,687 |
| Net loans and leases to deposits | 30.3328% | 4,694 |
| Net loans and leases to core deposits | 30.6482% | 4,716 |
| Total domestic deposits to total assets | 88.3667% | 1,640 |
| Equity capital to assets | 6.8173% | 4,839 |
| Core capital (leverage) ratio | 6.4821% | 4,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3817% | 1,521 |
| Memoranda: | ||
| Average total assets | $361,035,750 | 2,167 |
| Average earning assets | $333,380,500 | 2,191 |
| Average equity | $26,155,250 | 2,806 |
| Average total loans | $109,971,000 | 3,118 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7635% | 4,395 |
| Cost of funding earning assets | 0.0961% | 4,604 |
| Net interest margin | 2.6674% | 4,045 |
| Noninterest income to average assets | 0.7941% | 1,556 |
| Noninterest expense to average assets | 2.7341% | 1,493 |
| Loan and lease loss provision to assets | 0.0159% | 2,632 |
| Net operating income to assets | 0.3758% | 4,429 |
| Return on assets (ROA) | 0.6998% | 3,829 |
| Pretax return on assets | 0.9134% | 3,631 |
| Return on Equity (ROE) | 9.4556% | 2,965 |
| Retained earnings to average equity (ytd only) | 9.4556% | 1,570 |
| Net charge-offs to loans | -0.0126% | 3,769 |
| Credit loss provision to net charge-offs | -400.0000% | 3,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0405% | 543 |
| Assets per employee ($millions) | 4.5781% | 4,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 2,377 |
| Loan loss allowance to noncurrent loans | 356.2189% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.1322% | 3,361 |
| Noncurrent loans to loans | 0.3685% | 2,581 |
| Net loans and leases to total assets | 29.3988% | 4,667 |
| Net loans and leases to deposits | 33.1518% | 4,701 |
| Net loans and leases to core deposits | 33.5356% | 4,720 |
| Total domestic deposits to total assets | 88.6793% | 1,462 |
| Equity capital to assets | 7.1402% | 4,818 |
| Core capital (leverage) ratio | 6.5748% | 4,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4292% | 1,491 |
| Memoranda: | ||
| Average total assets | $352,077,333 | 2,196 |
| Average earning assets | $324,591,000 | 2,223 |
| Average equity | $26,058,667 | 2,805 |
| Average total loans | $111,491,333 | 3,107 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9943% | 4,100 |
| Cost of funding earning assets | 0.1007% | 4,640 |
| Net interest margin | 2.8936% | 3,543 |
| Noninterest income to average assets | 0.8186% | 1,539 |
| Noninterest expense to average assets | 2.7572% | 1,474 |
| Loan and lease loss provision to assets | 0.0151% | 2,587 |
| Net operating income to assets | 0.5131% | 4,150 |
| Return on assets (ROA) | 1.1652% | 2,348 |
| Pretax return on assets | 1.5363% | 1,894 |
| Return on Equity (ROE) | 15.4541% | 1,124 |
| Retained earnings to average equity (ytd only) | 15.4541% | 581 |
| Net charge-offs to loans | -0.0248% | 4,098 |
| Credit loss provision to net charge-offs | -185.7143% | 2,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1611% | 880 |
| Assets per employee ($millions) | 4.4706% | 4,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2256% | 2,790 |
| Loan loss allowance to noncurrent loans | 346.4548% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.1390% | 3,478 |
| Noncurrent loans to loans | 0.3537% | 2,814 |
| Net loans and leases to total assets | 32.3355% | 4,619 |
| Net loans and leases to deposits | 36.5721% | 4,661 |
| Net loans and leases to core deposits | 37.0250% | 4,687 |
| Total domestic deposits to total assets | 88.4159% | 1,648 |
| Equity capital to assets | 7.2192% | 4,795 |
| Core capital (leverage) ratio | 7.0403% | 4,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2999% | 1,475 |
| Memoranda: | ||
| Average total assets | $344,991,000 | 2,213 |
| Average earning assets | $317,671,500 | 2,235 |
| Average equity | $26,012,500 | 2,796 |
| Average total loans | $112,684,500 | 3,090 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4808% | 4,065 |
| Cost of funding earning assets | 0.1700% | 4,676 |
| Net interest margin | 3.3107% | 3,041 |
| Noninterest income to average assets | 0.9208% | 1,216 |
| Noninterest expense to average assets | 3.1874% | 1,077 |
| Loan and lease loss provision to assets | 0.0179% | 4,156 |
| Net operating income to assets | 0.5898% | 3,789 |
| Return on assets (ROA) | 0.6763% | 3,632 |
| Pretax return on assets | 0.8814% | 3,422 |
| Return on Equity (ROE) | 8.4687% | 2,618 |
| Retained earnings to average equity (ytd only) | 8.4687% | 913 |
| Net charge-offs to loans | 0.0171% | 2,749 |
| Credit loss provision to net charge-offs | 300.0000% | 1,727 |
| Earnings coverage of net charge-offs (x) | 129.7368% | 651 |
| Efficiency ratio | 80.1434% | 881 |
| Assets per employee ($millions) | 4.1580% | 4,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 2,553 |
| Loan loss allowance to noncurrent loans | 327.9343% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.1508% | 3,523 |
| Noncurrent loans to loans | 0.3882% | 2,817 |
| Net loans and leases to total assets | 32.1709% | 4,700 |
| Net loans and leases to deposits | 36.6501% | 4,730 |
| Net loans and leases to core deposits | 37.0082% | 4,760 |
| Total domestic deposits to total assets | 87.7785% | 1,575 |
| Equity capital to assets | 7.8765% | 4,751 |
| Core capital (leverage) ratio | 6.8313% | 4,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2796% | 1,454 |
| Memoranda: | ||
| Average total assets | $312,134,600 | 2,231 |
| Average earning assets | $288,156,200 | 2,235 |
| Average equity | $24,927,000 | 2,808 |
| Average total loans | $110,979,200 | 3,087 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7095% | 3,782 |
| Cost of funding earning assets | 0.1870% | 4,711 |
| Net interest margin | 3.5226% | 2,512 |
| Noninterest income to average assets | 0.9125% | 1,189 |
| Noninterest expense to average assets | 3.2621% | 966 |
| Loan and lease loss provision to assets | 0.0082% | 4,192 |
| Net operating income to assets | 0.6800% | 3,520 |
| Return on assets (ROA) | 0.7822% | 3,276 |
| Pretax return on assets | 1.0227% | 2,980 |
| Return on Equity (ROE) | 9.7578% | 2,108 |
| Retained earnings to average equity (ytd only) | 9.7578% | 816 |
| Net charge-offs to loans | 0.0216% | 2,421 |
| Credit loss provision to net charge-offs | 105.5556% | 2,579 |
| Earnings coverage of net charge-offs (x) | 114.9444% | 718 |
| Efficiency ratio | 78.3464% | 1,000 |
| Assets per employee ($millions) | 3.9813% | 4,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 3,227 |
| Loan loss allowance to noncurrent loans | 304.9327% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 3,599 |
| Noncurrent loans to loans | 0.3597% | 2,995 |
| Net loans and leases to total assets | 38.0268% | 4,614 |
| Net loans and leases to deposits | 43.2318% | 4,680 |
| Net loans and leases to core deposits | 43.5640% | 4,719 |
| Total domestic deposits to total assets | 87.9603% | 1,231 |
| Equity capital to assets | 8.1545% | 4,655 |
| Core capital (leverage) ratio | 6.7603% | 4,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6666% | 1,605 |
| Memoranda: | ||
| Average total assets | $305,968,000 | 2,243 |
| Average earning assets | $282,400,250 | 2,256 |
| Average equity | $24,526,750 | 2,825 |
| Average total loans | $111,286,750 | 3,092 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0231% | 3,262 |
| Cost of funding earning assets | 0.2082% | 4,745 |
| Net interest margin | 3.8149% | 1,795 |
| Noninterest income to average assets | 0.9046% | 1,159 |
| Noninterest expense to average assets | 3.3442% | 929 |
| Loan and lease loss provision to assets | 0.0027% | 4,123 |
| Net operating income to assets | 0.8148% | 2,988 |
| Return on assets (ROA) | 0.8926% | 2,838 |
| Pretax return on assets | 1.1689% | 2,468 |
| Return on Equity (ROE) | 11.2046% | 1,570 |
| Retained earnings to average equity (ytd only) | 11.2046% | 577 |
| Net charge-offs to loans | 0.0224% | 2,268 |
| Credit loss provision to net charge-offs | 33.3333% | 2,692 |
| Earnings coverage of net charge-offs (x) | 134.3333% | 572 |
| Efficiency ratio | 75.7083% | 1,292 |
| Assets per employee ($millions) | 3.9989% | 4,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 3,029 |
| Loan loss allowance to noncurrent loans | 279.1322% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.1705% | 3,677 |
| Noncurrent loans to loans | 0.3954% | 2,986 |
| Net loans and leases to total assets | 36.4694% | 4,708 |
| Net loans and leases to deposits | 41.7957% | 4,751 |
| Net loans and leases to core deposits | 42.1276% | 4,792 |
| Total domestic deposits to total assets | 87.2563% | 1,523 |
| Equity capital to assets | 7.7410% | 4,819 |
| Core capital (leverage) ratio | 6.6443% | 5,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1033% | 1,767 |
| Memoranda: | ||
| Average total assets | $300,463,000 | 2,249 |
| Average earning assets | $276,655,333 | 2,271 |
| Average equity | $23,936,667 | 2,860 |
| Average total loans | $107,052,333 | 3,136 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6988% | 4,399 |
| Cost of funding earning assets | 0.2443% | 4,785 |
| Net interest margin | 3.4545% | 3,143 |
| Noninterest income to average assets | 0.9412% | 976 |
| Noninterest expense to average assets | 3.5288% | 895 |
| Loan and lease loss provision to assets | 0.0014% | 3,708 |
| Net operating income to assets | 0.4320% | 4,064 |
| Return on assets (ROA) | 0.5085% | 3,929 |
| Pretax return on assets | 0.6659% | 3,781 |
| Return on Equity (ROE) | 6.2797% | 3,210 |
| Retained earnings to average equity (ytd only) | 6.2797% | 1,778 |
| Net charge-offs to loans | 0.0282% | 1,810 |
| Credit loss provision to net charge-offs | 14.2857% | 2,218 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 820 |
| Efficiency ratio | 86.0864% | 703 |
| Assets per employee ($millions) | 3.2782% | 4,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3571% | 1,875 |
| Loan loss allowance to noncurrent loans | 268.4524% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.2009% | 3,679 |
| Noncurrent loans to loans | 0.5055% | 2,752 |
| Net loans and leases to total assets | 33.7068% | 4,838 |
| Net loans and leases to deposits | 38.6124% | 4,859 |
| Net loans and leases to core deposits | 39.0076% | 4,890 |
| Total domestic deposits to total assets | 87.2952% | 1,428 |
| Equity capital to assets | 8.1170% | 4,946 |
| Core capital (leverage) ratio | 7.1034% | 5,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2560% | 2,174 |
| Memoranda: | ||
| Average total assets | $284,741,500 | 2,292 |
| Average earning assets | $260,300,000 | 2,322 |
| Average equity | $23,058,500 | 2,920 |
| Average total loans | $99,381,000 | 3,235 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0546% | 4,135 |
| Cost of funding earning assets | 0.2640% | 4,815 |
| Net interest margin | 3.7906% | 2,531 |
| Noninterest income to average assets | 0.9220% | 1,138 |
| Noninterest expense to average assets | 3.4625% | 1,015 |
| Loan and lease loss provision to assets | 0.0589% | 2,861 |
| Net operating income to assets | 0.6660% | 3,966 |
| Return on assets (ROA) | 0.6887% | 3,966 |
| Pretax return on assets | 0.8868% | 3,778 |
| Return on Equity (ROE) | 9.1496% | 2,688 |
| Retained earnings to average equity (ytd only) | 9.1496% | 675 |
| Net charge-offs to loans | 0.0967% | 1,757 |
| Credit loss provision to net charge-offs | 159.2233% | 1,619 |
| Earnings coverage of net charge-offs (x) | 24.8058% | 1,760 |
| Efficiency ratio | 79.0625% | 1,028 |
| Assets per employee ($millions) | 3.1205% | 4,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3718% | 1,622 |
| Loan loss allowance to noncurrent loans | 107.2612% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 0.4857% | 2,465 |
| Noncurrent loans to loans | 1.2789% | 1,178 |
| Net loans and leases to total assets | 35.1814% | 4,866 |
| Net loans and leases to deposits | 40.1138% | 4,904 |
| Net loans and leases to core deposits | 40.2925% | 4,940 |
| Total domestic deposits to total assets | 87.7041% | 1,270 |
| Equity capital to assets | 8.0781% | 5,045 |
| Core capital (leverage) ratio | 6.8953% | 5,148 |
| Tier 1 risk-based capital ratio | 13.1954% | 3,684 |
| Total risk-based capital ratio | 14.1160% | 3,745 |
| Memoranda: | ||
| Average total assets | $278,640,800 | 2,276 |
| Average earning assets | $254,158,000 | 2,310 |
| Average equity | $20,973,600 | 3,042 |
| Average total loans | $106,559,400 | 3,134 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0797% | 4,198 |
| Cost of funding earning assets | 0.2596% | 4,902 |
| Net interest margin | 3.8200% | 2,529 |
| Noninterest income to average assets | 0.9108% | 1,121 |
| Noninterest expense to average assets | 3.4649% | 991 |
| Loan and lease loss provision to assets | 0.0588% | 2,721 |
| Net operating income to assets | 0.6818% | 4,067 |
| Return on assets (ROA) | 0.6980% | 4,081 |
| Pretax return on assets | 0.8898% | 3,906 |
| Return on Equity (ROE) | 9.4458% | 2,698 |
| Retained earnings to average equity (ytd only) | 9.4458% | 912 |
| Net charge-offs to loans | 0.0578% | 2,000 |
| Credit loss provision to net charge-offs | 261.7021% | 1,050 |
| Earnings coverage of net charge-offs (x) | 41.2947% | 1,346 |
| Efficiency ratio | 78.8746% | 1,031 |
| Assets per employee ($millions) | 3.2496% | 4,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2842% | 2,038 |
| Loan loss allowance to noncurrent loans | 95.9469% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 0.5062% | 2,500 |
| Noncurrent loans to loans | 1.3385% | 1,146 |
| Net loans and leases to total assets | 37.3310% | 4,886 |
| Net loans and leases to deposits | 42.1450% | 4,955 |
| Net loans and leases to core deposits | 42.2757% | 4,991 |
| Total domestic deposits to total assets | 88.5775% | 790 |
| Equity capital to assets | 7.9282% | 5,147 |
| Core capital (leverage) ratio | 6.7299% | 5,231 |
| Tier 1 risk-based capital ratio | 12.5051% | 4,141 |
| Total risk-based capital ratio | 13.4156% | 4,216 |
| Memoranda: | ||
| Average total assets | $278,869,500 | 2,295 |
| Average earning assets | $254,198,250 | 2,324 |
| Average equity | $20,608,250 | 3,096 |
| Average total loans | $108,432,500 | 3,145 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0609% | 4,256 |
| Cost of funding earning assets | 0.2523% | 4,954 |
| Net interest margin | 3.8086% | 2,561 |
| Noninterest income to average assets | 0.8797% | 1,124 |
| Noninterest expense to average assets | 3.4411% | 1,041 |
| Loan and lease loss provision to assets | 0.0569% | 2,688 |
| Net operating income to assets | 0.6647% | 4,114 |
| Return on assets (ROA) | 0.6931% | 4,086 |
| Pretax return on assets | 0.8876% | 3,879 |
| Return on Equity (ROE) | 9.6170% | 2,580 |
| Retained earnings to average equity (ytd only) | 9.6170% | 877 |
| Net charge-offs to loans | 0.0606% | 1,776 |
| Credit loss provision to net charge-offs | 239.3939% | 1,060 |
| Earnings coverage of net charge-offs (x) | 38.2121% | 1,277 |
| Efficiency ratio | 79.1121% | 1,049 |
| Assets per employee ($millions) | 3.2773% | 4,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2532% | 2,231 |
| Loan loss allowance to noncurrent loans | 98.8954% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.4763% | 2,627 |
| Noncurrent loans to loans | 1.2672% | 1,252 |
| Net loans and leases to total assets | 37.1162% | 4,942 |
| Net loans and leases to deposits | 42.4786% | 4,984 |
| Net loans and leases to core deposits | 42.7718% | 5,031 |
| Total domestic deposits to total assets | 87.3762% | 1,394 |
| Equity capital to assets | 7.5463% | 5,230 |
| Core capital (leverage) ratio | 6.5941% | 5,277 |
| Tier 1 risk-based capital ratio | 12.2494% | 4,268 |
| Total risk-based capital ratio | 13.1525% | 4,354 |
| Memoranda: | ||
| Average total assets | $277,588,000 | 2,310 |
| Average earning assets | $252,899,000 | 2,342 |
| Average equity | $20,006,330 | 3,149 |
| Average total loans | $108,939,000 | 3,156 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0472% | 4,269 |
| Cost of funding earning assets | 0.2457% | 4,991 |
| Net interest margin | 3.8015% | 2,520 |
| Noninterest income to average assets | 0.9130% | 1,018 |
| Noninterest expense to average assets | 3.4738% | 1,002 |
| Loan and lease loss provision to assets | 0.0555% | 2,558 |
| Net operating income to assets | 0.6498% | 4,092 |
| Return on assets (ROA) | 0.6486% | 4,130 |
| Pretax return on assets | 0.8400% | 3,943 |
| Return on Equity (ROE) | 9.2253% | 2,700 |
| Retained earnings to average equity (ytd only) | 9.2253% | 1,243 |
| Net charge-offs to loans | 0.0109% | 2,295 |
| Credit loss provision to net charge-offs | 1,266.6667% | 305 |
| Earnings coverage of net charge-offs (x) | 204.6667% | 381 |
| Efficiency ratio | 79.4786% | 1,106 |
| Assets per employee ($millions) | 3.2624% | 4,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 2,524 |
| Loan loss allowance to noncurrent loans | 112.9771% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.4936% | 2,640 |
| Noncurrent loans to loans | 1.0709% | 1,557 |
| Net loans and leases to total assets | 38.7640% | 4,930 |
| Net loans and leases to deposits | 43.8645% | 4,991 |
| Net loans and leases to core deposits | 44.2200% | 5,033 |
| Total domestic deposits to total assets | 88.3721% | 1,146 |
| Equity capital to assets | 7.1338% | 5,300 |
| Core capital (leverage) ratio | 6.4984% | 5,336 |
| Tier 1 risk-based capital ratio | 11.4880% | 4,753 |
| Total risk-based capital ratio | 12.3593% | 4,838 |
| Memoranda: | ||
| Average total assets | $273,821,500 | 2,352 |
| Average earning assets | $249,059,000 | 2,387 |
| Average equity | $19,251,500 | 3,229 |
| Average total loans | $109,824,000 | 3,174 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9080% | 4,259 |
| Cost of funding earning assets | 0.1919% | 5,034 |
| Net interest margin | 3.7160% | 2,970 |
| Noninterest income to average assets | 0.9555% | 1,052 |
| Noninterest expense to average assets | 3.5945% | 880 |
| Loan and lease loss provision to assets | 0.0551% | 3,070 |
| Net operating income to assets | 0.5340% | 4,587 |
| Return on assets (ROA) | 0.5228% | 4,606 |
| Pretax return on assets | 0.7015% | 4,412 |
| Return on Equity (ROE) | 8.0052% | 3,437 |
| Retained earnings to average equity (ytd only) | 8.0052% | 1,230 |
| Net charge-offs to loans | 0.1293% | 1,460 |
| Credit loss provision to net charge-offs | 104.9645% | 2,425 |
| Earnings coverage of net charge-offs (x) | 14.6809% | 2,367 |
| Efficiency ratio | 82.3424% | 768 |
| Assets per employee ($millions) | 3.0698% | 4,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 2,655 |
| Loan loss allowance to noncurrent loans | 104.3443% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.5485% | 2,405 |
| Noncurrent loans to loans | 1.1346% | 1,411 |
| Net loans and leases to total assets | 40.5353% | 4,924 |
| Net loans and leases to deposits | 45.4347% | 4,997 |
| Net loans and leases to core deposits | 45.7577% | 5,043 |
| Total domestic deposits to total assets | 89.2166% | 768 |
| Equity capital to assets | 6.9224% | 5,339 |
| Core capital (leverage) ratio | 6.3868% | 5,376 |
| Tier 1 risk-based capital ratio | 11.2323% | 4,846 |
| Total risk-based capital ratio | 12.0906% | 4,936 |
| Memoranda: | ||
| Average total assets | $268,549,600 | 2,347 |
| Average earning assets | $246,420,400 | 2,364 |
| Average equity | $17,538,600 | 3,340 |
| Average total loans | $109,009,600 | 3,144 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8127% | 4,412 |
| Cost of funding earning assets | 0.1776% | 5,105 |
| Net interest margin | 3.6351% | 3,248 |
| Noninterest income to average assets | 0.9311% | 1,106 |
| Noninterest expense to average assets | 3.5886% | 870 |
| Loan and lease loss provision to assets | 0.0491% | 3,012 |
| Net operating income to assets | 0.4815% | 4,797 |
| Return on assets (ROA) | 0.4705% | 4,824 |
| Pretax return on assets | 0.6277% | 4,681 |
| Return on Equity (ROE) | 7.3133% | 3,814 |
| Retained earnings to average equity (ytd only) | 7.3133% | 1,964 |
| Net charge-offs to loans | 0.1445% | 1,137 |
| Credit loss provision to net charge-offs | 83.8983% | 2,487 |
| Earnings coverage of net charge-offs (x) | 11.8051% | 2,491 |
| Efficiency ratio | 83.8605% | 648 |
| Assets per employee ($millions) | 3.0873% | 4,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 2,765 |
| Loan loss allowance to noncurrent loans | 265.3445% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.2766% | 3,578 |
| Noncurrent loans to loans | 0.4430% | 3,066 |
| Net loans and leases to total assets | 39.7820% | 5,031 |
| Net loans and leases to deposits | 44.4094% | 5,101 |
| Net loans and leases to core deposits | 44.6127% | 5,152 |
| Total domestic deposits to total assets | 89.5800% | 648 |
| Equity capital to assets | 6.3924% | 5,432 |
| Core capital (leverage) ratio | 6.1151% | 5,454 |
| Tier 1 risk-based capital ratio | 11.1096% | 4,985 |
| Total risk-based capital ratio | 11.9747% | 5,061 |
| Memoranda: | ||
| Average total assets | $268,918,000 | 2,350 |
| Average earning assets | $247,691,500 | 2,366 |
| Average equity | $17,301,250 | 3,392 |
| Average total loans | $108,872,750 | 3,177 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7423% | 4,486 |
| Cost of funding earning assets | 0.1588% | 5,205 |
| Net interest margin | 3.5834% | 3,375 |
| Noninterest income to average assets | 0.9285% | 1,114 |
| Noninterest expense to average assets | 3.5863% | 880 |
| Loan and lease loss provision to assets | 0.0401% | 3,105 |
| Net operating income to assets | 0.4588% | 4,841 |
| Return on assets (ROA) | 0.4423% | 4,874 |
| Pretax return on assets | 0.5858% | 4,758 |
| Return on Equity (ROE) | 6.8608% | 3,941 |
| Retained earnings to average equity (ytd only) | 6.8608% | 2,140 |
| Net charge-offs to loans | 0.0495% | 1,900 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 32.2222% | 1,439 |
| Efficiency ratio | 84.7208% | 647 |
| Assets per employee ($millions) | 3.0921% | 5,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 2,808 |
| Loan loss allowance to noncurrent loans | 215.9016% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 3,513 |
| Noncurrent loans to loans | 0.5490% | 2,768 |
| Net loans and leases to total assets | 40.8172% | 5,031 |
| Net loans and leases to deposits | 45.6874% | 5,108 |
| Net loans and leases to core deposits | 45.8781% | 5,154 |
| Total domestic deposits to total assets | 89.3401% | 794 |
| Equity capital to assets | 6.3845% | 5,493 |
| Core capital (leverage) ratio | 5.9547% | 5,513 |
| Tier 1 risk-based capital ratio | 10.7389% | 5,173 |
| Total risk-based capital ratio | 11.6309% | 5,225 |
| Memoranda: | ||
| Average total assets | $269,024,330 | 2,356 |
| Average earning assets | $248,085,000 | 2,377 |
| Average equity | $17,345,000 | 3,406 |
| Average total loans | $109,122,000 | 3,185 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6730% | 4,531 |
| Cost of funding earning assets | 0.1257% | 5,372 |
| Net interest margin | 3.5474% | 3,353 |
| Noninterest income to average assets | 0.9426% | 1,041 |
| Noninterest expense to average assets | 3.6486% | 822 |
| Loan and lease loss provision to assets | 0.0297% | 3,120 |
| Net operating income to assets | 0.4085% | 4,912 |
| Return on assets (ROA) | 0.4014% | 4,923 |
| Pretax return on assets | 0.5293% | 4,828 |
| Return on Equity (ROE) | 6.1962% | 4,094 |
| Retained earnings to average equity (ytd only) | 6.1962% | 2,627 |
| Net charge-offs to loans | 0.0222% | 2,061 |
| Credit loss provision to net charge-offs | 333.3333% | 760 |
| Earnings coverage of net charge-offs (x) | 63.6667% | 814 |
| Efficiency ratio | 86.5303% | 610 |
| Assets per employee ($millions) | 3.1352% | 5,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1681% | 2,984 |
| Loan loss allowance to noncurrent loans | 175.0336% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.3699% | 3,350 |
| Noncurrent loans to loans | 0.6674% | 2,550 |
| Net loans and leases to total assets | 40.4476% | 5,050 |
| Net loans and leases to deposits | 45.7758% | 5,102 |
| Net loans and leases to core deposits | 46.0888% | 5,159 |
| Total domestic deposits to total assets | 88.3602% | 1,428 |
| Equity capital to assets | 6.2717% | 5,558 |
| Core capital (leverage) ratio | 5.7700% | 5,576 |
| Tier 1 risk-based capital ratio | 10.1384% | 5,460 |
| Total risk-based capital ratio | 11.0239% | 5,502 |
| Memoranda: | ||
| Average total assets | $269,032,000 | 2,376 |
| Average earning assets | $248,296,500 | 2,395 |
| Average equity | $17,430,000 | 3,425 |
| Average total loans | $108,123,500 | 3,228 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5669% | 4,644 |
| Cost of funding earning assets | 0.1354% | 5,344 |
| Net interest margin | 3.4315% | 3,748 |
| Noninterest income to average assets | 0.9891% | 1,046 |
| Noninterest expense to average assets | 3.6319% | 863 |
| Loan and lease loss provision to assets | 0.0322% | 3,625 |
| Net operating income to assets | 2.1174% | 224 |
| Return on assets (ROA) | 2.1355% | 222 |
| Pretax return on assets | 0.5534% | 4,841 |
| Return on Equity (ROE) | 40.4572% | 17 |
| Retained earnings to average equity (ytd only) | 40.4572% | 5 |
| Net charge-offs to loans | 0.1662% | 1,478 |
| Credit loss provision to net charge-offs | 48.5549% | 3,345 |
| Earnings coverage of net charge-offs (x) | 8.5491% | 2,898 |
| Efficiency ratio | 86.4833% | 613 |
| Assets per employee ($millions) | 2.9843% | 5,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2331% | 2,579 |
| Loan loss allowance to noncurrent loans | 178.9182% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.3708% | 3,382 |
| Noncurrent loans to loans | 0.6892% | 2,493 |
| Net loans and leases to total assets | 38.9022% | 5,179 |
| Net loans and leases to deposits | 44.3053% | 5,240 |
| Net loans and leases to core deposits | 44.5661% | 5,281 |
| Total domestic deposits to total assets | 87.8049% | 1,604 |
| Equity capital to assets | 6.6862% | 5,603 |
| Core capital (leverage) ratio | 5.5736% | 5,643 |
| Tier 1 risk-based capital ratio | 10.2622% | 5,457 |
| Total risk-based capital ratio | 11.1895% | 5,500 |
| Memoranda: | ||
| Average total assets | $260,550,400 | 2,410 |
| Average earning assets | $243,772,200 | 2,391 |
| Average equity | $13,752,800 | 3,878 |
| Average total loans | $104,080,000 | 3,280 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5565% | 4,667 |
| Cost of funding earning assets | 0.1357% | 5,394 |
| Net interest margin | 3.4208% | 3,771 |
| Noninterest income to average assets | 0.9765% | 1,075 |
| Noninterest expense to average assets | 3.6726% | 792 |
| Loan and lease loss provision to assets | 0.0355% | 3,407 |
| Net operating income to assets | 0.4785% | 4,793 |
| Return on assets (ROA) | 0.5008% | 4,763 |
| Pretax return on assets | 0.5060% | 5,016 |
| Return on Equity (ROE) | 10.1843% | 2,044 |
| Retained earnings to average equity (ytd only) | 10.1843% | 545 |
| Net charge-offs to loans | 0.0744% | 2,073 |
| Credit loss provision to net charge-offs | 118.9655% | 2,017 |
| Earnings coverage of net charge-offs (x) | 17.3969% | 2,103 |
| Efficiency ratio | 87.6212% | 527 |
| Assets per employee ($millions) | 2.9723% | 5,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3108% | 2,311 |
| Loan loss allowance to noncurrent loans | 150.5959% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.4487% | 3,238 |
| Noncurrent loans to loans | 0.8704% | 2,197 |
| Net loans and leases to total assets | 39.5617% | 5,212 |
| Net loans and leases to deposits | 44.2604% | 5,307 |
| Net loans and leases to core deposits | 44.4271% | 5,356 |
| Total domestic deposits to total assets | 89.3838% | 707 |
| Equity capital to assets | 5.1365% | 5,715 |
| Core capital (leverage) ratio | 5.4174% | 5,714 |
| Tier 1 risk-based capital ratio | 10.1805% | 5,557 |
| Total risk-based capital ratio | 11.1791% | 5,580 |
| Memoranda: | ||
| Average total assets | $259,286,250 | 2,435 |
| Average earning assets | $243,680,750 | 2,412 |
| Average equity | $12,751,250 | 4,056 |
| Average total loans | $103,945,750 | 3,310 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5284% | 4,688 |
| Cost of funding earning assets | 0.1364% | 5,410 |
| Net interest margin | 3.3920% | 3,799 |
| Noninterest income to average assets | 0.9342% | 1,170 |
| Noninterest expense to average assets | 3.6779% | 797 |
| Loan and lease loss provision to assets | 0.0404% | 3,201 |
| Net operating income to assets | 0.3993% | 4,979 |
| Return on assets (ROA) | 0.4100% | 4,984 |
| Pretax return on assets | 0.4124% | 5,159 |
| Return on Equity (ROE) | 8.4667% | 2,790 |
| Retained earnings to average equity (ytd only) | 8.4667% | 1,005 |
| Net charge-offs to loans | 0.0775% | 1,845 |
| Credit loss provision to net charge-offs | 130.0000% | 1,685 |
| Earnings coverage of net charge-offs (x) | 14.2250% | 2,086 |
| Efficiency ratio | 89.2743% | 485 |
| Assets per employee ($millions) | 2.8934% | 5,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3282% | 2,284 |
| Loan loss allowance to noncurrent loans | 151.6903% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.5587% | 2,899 |
| Noncurrent loans to loans | 0.8756% | 2,233 |
| Net loans and leases to total assets | 39.6836% | 5,235 |
| Net loans and leases to deposits | 43.9708% | 5,344 |
| Net loans and leases to core deposits | 44.1374% | 5,395 |
| Total domestic deposits to total assets | 90.2498% | 445 |
| Equity capital to assets | 5.0859% | 5,765 |
| Core capital (leverage) ratio | 5.3065% | 5,761 |
| Tier 1 risk-based capital ratio | 9.8929% | 5,653 |
| Total risk-based capital ratio | 10.8956% | 5,667 |
| Memoranda: | ||
| Average total assets | $257,535,330 | 2,462 |
| Average earning assets | $241,863,000 | 2,431 |
| Average equity | $12,472,330 | 4,116 |
| Average total loans | $103,245,670 | 3,334 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4892% | 4,723 |
| Cost of funding earning assets | 0.1382% | 5,447 |
| Net interest margin | 3.3510% | 3,844 |
| Noninterest income to average assets | 0.9403% | 1,135 |
| Noninterest expense to average assets | 3.7220% | 752 |
| Loan and lease loss provision to assets | 0.0500% | 2,808 |
| Net operating income to assets | 0.3108% | 5,163 |
| Return on assets (ROA) | 0.3327% | 5,147 |
| Pretax return on assets | 0.3327% | 5,266 |
| Return on Equity (ROE) | 7.0492% | 3,380 |
| Retained earnings to average equity (ytd only) | 7.0492% | 1,830 |
| Net charge-offs to loans | 0.1756% | 948 |
| Credit loss provision to net charge-offs | 71.1111% | 1,829 |
| Earnings coverage of net charge-offs (x) | 5.1333% | 2,315 |
| Efficiency ratio | 91.1630% | 497 |
| Assets per employee ($millions) | 2.9297% | 5,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3599% | 2,262 |
| Loan loss allowance to noncurrent loans | 133.6595% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.6037% | 2,835 |
| Noncurrent loans to loans | 1.0175% | 2,018 |
| Net loans and leases to total assets | 37.9981% | 5,323 |
| Net loans and leases to deposits | 41.6227% | 5,425 |
| Net loans and leases to core deposits | 41.8351% | 5,474 |
| Total domestic deposits to total assets | 91.2919% | 212 |
| Equity capital to assets | 4.7299% | 5,832 |
| Core capital (leverage) ratio | 5.3077% | 5,827 |
| Tier 1 risk-based capital ratio | 10.0549% | 5,683 |
| Total risk-based capital ratio | 11.0792% | 5,707 |
| Memoranda: | ||
| Average total assets | $256,100,500 | 2,495 |
| Average earning assets | $240,170,000 | 2,468 |
| Average equity | $12,086,500 | 4,200 |
| Average total loans | $102,504,000 | 3,375 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4012% | 4,977 |
| Cost of funding earning assets | 0.1493% | 5,432 |
| Net interest margin | 3.2519% | 4,291 |
| Noninterest income to average assets | 1.0068% | 1,127 |
| Noninterest expense to average assets | 3.8036% | 773 |
| Loan and lease loss provision to assets | 0.0273% | 3,809 |
| Net operating income to assets | 0.2154% | 5,394 |
| Return on assets (ROA) | 0.3364% | 5,196 |
| Pretax return on assets | 0.3364% | 5,318 |
| Return on Equity (ROE) | 6.8273% | 3,564 |
| Retained earnings to average equity (ytd only) | 6.8273% | 1,298 |
| Net charge-offs to loans | 0.1497% | 1,766 |
| Credit loss provision to net charge-offs | 46.3087% | 3,423 |
| Earnings coverage of net charge-offs (x) | 4.1208% | 3,551 |
| Efficiency ratio | 94.0016% | 379 |
| Assets per employee ($millions) | 2.7632% | 5,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3188% | 2,437 |
| Loan loss allowance to noncurrent loans | 120.2267% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 0.8045% | 2,341 |
| Noncurrent loans to loans | 1.0969% | 1,901 |
| Net loans and leases to total assets | 41.0349% | 5,274 |
| Net loans and leases to deposits | 45.4321% | 5,386 |
| Net loans and leases to core deposits | 45.6100% | 5,446 |
| Total domestic deposits to total assets | 90.3215% | 505 |
| Equity capital to assets | 4.7086% | 5,882 |
| Core capital (leverage) ratio | 5.1694% | 5,880 |
| Tier 1 risk-based capital ratio | 9.5273% | 5,813 |
| Total risk-based capital ratio | 10.5229% | 5,840 |
| Memoranda: | ||
| Average total assets | $252,971,200 | 2,480 |
| Average earning assets | $236,445,200 | 2,466 |
| Average equity | $12,464,600 | 4,178 |
| Average total loans | $99,557,000 | 3,391 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3654% | 5,095 |
| Cost of funding earning assets | 0.1498% | 5,487 |
| Net interest margin | 3.2157% | 4,443 |
| Noninterest income to average assets | 1.0120% | 1,123 |
| Noninterest expense to average assets | 3.7981% | 747 |
| Loan and lease loss provision to assets | 0.0279% | 3,680 |
| Net operating income to assets | 0.1916% | 5,478 |
| Return on assets (ROA) | 0.3352% | 5,274 |
| Pretax return on assets | 0.3352% | 5,401 |
| Return on Equity (ROE) | 6.7295% | 3,707 |
| Retained earnings to average equity (ytd only) | 6.7295% | 1,768 |
| Net charge-offs to loans | 0.1641% | 1,390 |
| Credit loss provision to net charge-offs | 43.8017% | 3,114 |
| Earnings coverage of net charge-offs (x) | 3.4463% | 3,415 |
| Efficiency ratio | 94.5376% | 367 |
| Assets per employee ($millions) | 2.8276% | 5,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 2,291 |
| Loan loss allowance to noncurrent loans | 102.8086% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 0.8721% | 2,368 |
| Noncurrent loans to loans | 1.3425% | 1,643 |
| Net loans and leases to total assets | 38.6268% | 5,443 |
| Net loans and leases to deposits | 42.7227% | 5,560 |
| Net loans and leases to core deposits | 42.8384% | 5,616 |
| Total domestic deposits to total assets | 90.4128% | 343 |
| Equity capital to assets | 5.1424% | 5,947 |
| Core capital (leverage) ratio | 5.1383% | 5,946 |
| Tier 1 risk-based capital ratio | 9.5669% | 5,866 |
| Total risk-based capital ratio | 10.5920% | 5,890 |
| Memoranda: | ||
| Average total assets | $253,350,500 | 2,488 |
| Average earning assets | $236,793,750 | 2,468 |
| Average equity | $12,620,750 | 4,192 |
| Average total loans | $98,305,500 | 3,420 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3239% | 5,241 |
| Cost of funding earning assets | 0.1522% | 5,533 |
| Net interest margin | 3.1717% | 4,637 |
| Noninterest income to average assets | 0.9808% | 1,171 |
| Noninterest expense to average assets | 3.8091% | 760 |
| Loan and lease loss provision to assets | 0.0198% | 3,744 |
| Net operating income to assets | 0.1111% | 5,654 |
| Return on assets (ROA) | 0.2643% | 5,476 |
| Pretax return on assets | 0.2643% | 5,545 |
| Return on Equity (ROE) | 5.3636% | 4,352 |
| Retained earnings to average equity (ytd only) | 5.3636% | 2,508 |
| Net charge-offs to loans | 0.1108% | 1,722 |
| Credit loss provision to net charge-offs | 46.2963% | 2,706 |
| Earnings coverage of net charge-offs (x) | 3.0556% | 3,171 |
| Efficiency ratio | 96.6767% | 322 |
| Assets per employee ($millions) | 2.7950% | 5,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4444% | 2,091 |
| Loan loss allowance to noncurrent loans | 106.2407% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 0.8831% | 2,388 |
| Noncurrent loans to loans | 1.3595% | 1,650 |
| Net loans and leases to total assets | 38.3641% | 5,499 |
| Net loans and leases to deposits | 42.6476% | 5,599 |
| Net loans and leases to core deposits | 42.7650% | 5,657 |
| Total domestic deposits to total assets | 89.9560% | 504 |
| Equity capital to assets | 5.0444% | 6,031 |
| Core capital (leverage) ratio | 5.0644% | 6,026 |
| Tier 1 risk-based capital ratio | 9.5919% | 5,933 |
| Total risk-based capital ratio | 10.6738% | 5,945 |
| Memoranda: | ||
| Average total assets | $252,030,330 | 2,518 |
| Average earning assets | $235,142,000 | 2,496 |
| Average equity | $12,417,000 | 4,248 |
| Average total loans | $97,480,000 | 3,451 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2603% | 5,395 |
| Cost of funding earning assets | 0.1553% | 5,570 |
| Net interest margin | 3.1049% | 4,846 |
| Noninterest income to average assets | 0.8801% | 1,356 |
| Noninterest expense to average assets | 3.7309% | 860 |
| Loan and lease loss provision to assets | 0.0080% | 3,579 |
| Net operating income to assets | 0.0415% | 5,754 |
| Return on assets (ROA) | 0.2950% | 5,398 |
| Pretax return on assets | 0.2950% | 5,515 |
| Return on Equity (ROE) | 6.0604% | 3,959 |
| Retained earnings to average equity (ytd only) | 6.0604% | 2,346 |
| Net charge-offs to loans | 0.0124% | 2,712 |
| Credit loss provision to net charge-offs | 166.6667% | 1,201 |
| Earnings coverage of net charge-offs (x) | 10.3333% | 1,929 |
| Efficiency ratio | 98.6925% | 325 |
| Assets per employee ($millions) | 2.7643% | 5,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5018% | 1,977 |
| Loan loss allowance to noncurrent loans | 113.1681% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 0.9665% | 2,295 |
| Noncurrent loans to loans | 1.3271% | 1,798 |
| Net loans and leases to total assets | 37.6769% | 5,568 |
| Net loans and leases to deposits | 41.8284% | 5,658 |
| Net loans and leases to core deposits | 42.0040% | 5,711 |
| Total domestic deposits to total assets | 90.0751% | 572 |
| Equity capital to assets | 4.9371% | 6,092 |
| Core capital (leverage) ratio | 5.0080% | 6,089 |
| Tier 1 risk-based capital ratio | 9.6070% | 5,993 |
| Total risk-based capital ratio | 10.7271% | 5,991 |
| Memoranda: | ||
| Average total assets | $250,874,500 | 2,531 |
| Average earning assets | $234,336,500 | 2,513 |
| Average equity | $12,210,500 | 4,295 |
| Average total loans | $96,717,000 | 3,479 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3926% | 5,178 |
| Cost of funding earning assets | 0.1849% | 5,400 |
| Net interest margin | 3.2077% | 4,603 |
| Noninterest income to average assets | 1.1717% | 867 |
| Noninterest expense to average assets | 3.9664% | 703 |
| Loan and lease loss provision to assets | -0.1783% | 5,962 |
| Net operating income to assets | 0.3619% | 5,171 |
| Return on assets (ROA) | 0.3775% | 5,204 |
| Pretax return on assets | 0.3775% | 5,364 |
| Return on Equity (ROE) | 7.8329% | 3,047 |
| Retained earnings to average equity (ytd only) | 7.8329% | 966 |
| Net charge-offs to loans | 0.3049% | 985 |
| Credit loss provision to net charge-offs | -150.3472% | 5,232 |
| Earnings coverage of net charge-offs (x) | 1.5486% | 4,066 |
| Efficiency ratio | 95.5754% | 419 |
| Assets per employee ($millions) | 2.7190% | 5,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5174% | 1,918 |
| Loan loss allowance to noncurrent loans | 113.9844% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 1.1862% | 1,835 |
| Noncurrent loans to loans | 1.3312% | 1,770 |
| Net loans and leases to total assets | 38.2712% | 5,610 |
| Net loans and leases to deposits | 42.5595% | 5,691 |
| Net loans and leases to core deposits | 42.7959% | 5,744 |
| Total domestic deposits to total assets | 89.9240% | 663 |
| Equity capital to assets | 4.7953% | 6,147 |
| Core capital (leverage) ratio | 5.0038% | 6,146 |
| Tier 1 risk-based capital ratio | 9.5037% | 6,043 |
| Total risk-based capital ratio | 10.6269% | 6,051 |
| Memoranda: | ||
| Average total assets | $242,891,200 | 2,553 |
| Average earning assets | $225,522,600 | 2,544 |
| Average equity | $11,707,000 | 4,354 |
| Average total loans | $94,457,000 | 3,492 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3691% | 5,279 |
| Cost of funding earning assets | 0.1897% | 5,466 |
| Net interest margin | 3.1793% | 4,741 |
| Noninterest income to average assets | 1.2050% | 831 |
| Noninterest expense to average assets | 3.9775% | 686 |
| Loan and lease loss provision to assets | -0.2531% | 6,134 |
| Net operating income to assets | 0.4285% | 5,056 |
| Return on assets (ROA) | 0.4495% | 5,058 |
| Pretax return on assets | 0.4495% | 5,349 |
| Return on Equity (ROE) | 9.3134% | 2,411 |
| Retained earnings to average equity (ytd only) | 9.3134% | 788 |
| Net charge-offs to loans | 0.2581% | 1,020 |
| Credit loss provision to net charge-offs | -252.1978% | 5,228 |
| Earnings coverage of net charge-offs (x) | 1.7473% | 3,787 |
| Efficiency ratio | 95.7769% | 421 |
| Assets per employee ($millions) | 2.6183% | 5,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6246% | 1,696 |
| Loan loss allowance to noncurrent loans | 194.0731% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 1.3408% | 1,747 |
| Noncurrent loans to loans | 0.8371% | 2,878 |
| Net loans and leases to total assets | 38.2704% | 5,684 |
| Net loans and leases to deposits | 41.9945% | 5,804 |
| Net loans and leases to core deposits | 42.2282% | 5,848 |
| Total domestic deposits to total assets | 91.1320% | 218 |
| Equity capital to assets | 5.0057% | 6,228 |
| Core capital (leverage) ratio | 5.0627% | 6,227 |
| Tier 1 risk-based capital ratio | 9.5218% | 6,145 |
| Total risk-based capital ratio | 10.7188% | 6,126 |
| Memoranda: | ||
| Average total assets | $241,756,750 | 2,581 |
| Average earning assets | $224,149,750 | 2,574 |
| Average equity | $11,667,500 | 4,411 |
| Average total loans | $94,033,000 | 3,531 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3592% | 5,312 |
| Cost of funding earning assets | 0.1953% | 5,484 |
| Net interest margin | 3.1638% | 4,774 |
| Noninterest income to average assets | 1.2141% | 824 |
| Noninterest expense to average assets | 3.9515% | 717 |
| Loan and lease loss provision to assets | -0.3956% | 6,257 |
| Net operating income to assets | 0.5863% | 4,411 |
| Return on assets (ROA) | 0.6012% | 4,441 |
| Pretax return on assets | 0.6012% | 4,970 |
| Return on Equity (ROE) | 12.6156% | 1,196 |
| Retained earnings to average equity (ytd only) | 12.6156% | 341 |
| Net charge-offs to loans | 0.1151% | 1,851 |
| Credit loss provision to net charge-offs | -883.3333% | 5,335 |
| Earnings coverage of net charge-offs (x) | 4.2593% | 3,071 |
| Efficiency ratio | 95.3954% | 463 |
| Assets per employee ($millions) | 2.5809% | 5,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7805% | 1,413 |
| Loan loss allowance to noncurrent loans | 120.6291% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 1.6157% | 1,489 |
| Noncurrent loans to loans | 1.4760% | 1,798 |
| Net loans and leases to total assets | 37.8993% | 5,743 |
| Net loans and leases to deposits | 41.5474% | 5,856 |
| Net loans and leases to core deposits | 41.8880% | 5,903 |
| Total domestic deposits to total assets | 91.2195% | 251 |
| Equity capital to assets | 4.8558% | 6,304 |
| Core capital (leverage) ratio | 5.0346% | 6,300 |
| Tier 1 risk-based capital ratio | 9.5925% | 6,189 |
| Total risk-based capital ratio | 10.8427% | 6,157 |
| Memoranda: | ||
| Average total assets | $241,174,330 | 2,600 |
| Average earning assets | $223,210,000 | 2,597 |
| Average equity | $11,493,670 | 4,472 |
| Average total loans | $93,801,000 | 3,557 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3762% | 5,261 |
| Cost of funding earning assets | 0.1986% | 5,526 |
| Net interest margin | 3.1776% | 4,683 |
| Noninterest income to average assets | 1.1764% | 826 |
| Noninterest expense to average assets | 3.9115% | 755 |
| Loan and lease loss provision to assets | 0.0215% | 3,434 |
| Net operating income to assets | 0.1820% | 5,720 |
| Return on assets (ROA) | 0.2118% | 5,748 |
| Pretax return on assets | 0.2118% | 5,813 |
| Return on Equity (ROE) | 4.4861% | 4,763 |
| Retained earnings to average equity (ytd only) | 4.4861% | 3,330 |
| Net charge-offs to loans | 0.0085% | 3,045 |
| Credit loss provision to net charge-offs | 650.0000% | 448 |
| Earnings coverage of net charge-offs (x) | 61.5000% | 722 |
| Efficiency ratio | 95.0543% | 539 |
| Assets per employee ($millions) | 2.6233% | 6,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3728% | 644 |
| Loan loss allowance to noncurrent loans | 181.9767% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 1.7560% | 1,403 |
| Noncurrent loans to loans | 1.3039% | 2,207 |
| Net loans and leases to total assets | 36.9515% | 5,777 |
| Net loans and leases to deposits | 40.6862% | 5,890 |
| Net loans and leases to core deposits | 41.0695% | 5,937 |
| Total domestic deposits to total assets | 90.8207% | 427 |
| Equity capital to assets | 4.8356% | 6,378 |
| Core capital (leverage) ratio | 4.8376% | 6,373 |
| Tier 1 risk-based capital ratio | 9.2953% | 6,292 |
| Total risk-based capital ratio | 10.5517% | 6,280 |
| Memoranda: | ||
| Average total assets | $241,751,500 | 2,622 |
| Average earning assets | $223,564,500 | 2,608 |
| Average equity | $11,413,000 | 4,519 |
| Average total loans | $94,394,000 | 3,552 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5370% | 5,235 |
| Cost of funding earning assets | 0.2439% | 5,388 |
| Net interest margin | 3.2931% | 4,598 |
| Noninterest income to average assets | 1.1506% | 909 |
| Noninterest expense to average assets | 3.9615% | 786 |
| Loan and lease loss provision to assets | -0.3970% | 6,420 |
| Net operating income to assets | 0.5960% | 4,392 |
| Return on assets (ROA) | 0.5918% | 4,494 |
| Pretax return on assets | 0.5918% | 4,971 |
| Return on Equity (ROE) | 14.1444% | 911 |
| Retained earnings to average equity (ytd only) | 14.1444% | 171 |
| Net charge-offs to loans | 0.4894% | 847 |
| Credit loss provision to net charge-offs | -200.0000% | 5,624 |
| Earnings coverage of net charge-offs (x) | 1.0021% | 4,516 |
| Efficiency ratio | 95.2183% | 535 |
| Assets per employee ($millions) | 2.5757% | 6,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2603% | 761 |
| Loan loss allowance to noncurrent loans | 134.2365% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 2.0623% | 1,210 |
| Noncurrent loans to loans | 1.6838% | 1,737 |
| Net loans and leases to total assets | 39.3542% | 5,783 |
| Net loans and leases to deposits | 43.4610% | 5,897 |
| Net loans and leases to core deposits | 43.8885% | 5,958 |
| Total domestic deposits to total assets | 90.5506% | 521 |
| Equity capital to assets | 4.6042% | 6,468 |
| Core capital (leverage) ratio | 4.8186% | 6,462 |
| Tier 1 risk-based capital ratio | 9.4730% | 6,355 |
| Total risk-based capital ratio | 10.7296% | 6,334 |
| Memoranda: | ||
| Average total assets | $237,261,200 | 2,636 |
| Average earning assets | $216,850,000 | 2,648 |
| Average equity | $9,926,200 | 4,764 |
| Average total loans | $96,241,400 | 3,495 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5441% | 5,288 |
| Cost of funding earning assets | 0.2510% | 5,396 |
| Net interest margin | 3.2931% | 4,633 |
| Noninterest income to average assets | 1.1722% | 870 |
| Noninterest expense to average assets | 4.0130% | 741 |
| Loan and lease loss provision to assets | -0.5419% | 6,537 |
| Net operating income to assets | 0.7013% | 3,935 |
| Return on assets (ROA) | 0.6957% | 4,054 |
| Pretax return on assets | 0.6957% | 4,716 |
| Return on Equity (ROE) | 17.0626% | 539 |
| Retained earnings to average equity (ytd only) | 17.0626% | 138 |
| Net charge-offs to loans | 0.4366% | 903 |
| Credit loss provision to net charge-offs | -305.3968% | 5,649 |
| Earnings coverage of net charge-offs (x) | 0.8984% | 4,281 |
| Efficiency ratio | 96.1793% | 499 |
| Assets per employee ($millions) | 2.5437% | 6,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3651% | 768 |
| Loan loss allowance to noncurrent loans | 155.5406% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 2.1170% | 1,327 |
| Noncurrent loans to loans | 1.5206% | 2,132 |
| Net loans and leases to total assets | 40.4150% | 5,791 |
| Net loans and leases to deposits | 44.3409% | 5,953 |
| Net loans and leases to core deposits | 44.7825% | 6,005 |
| Total domestic deposits to total assets | 91.1461% | 322 |
| Equity capital to assets | 4.4415% | 6,538 |
| Core capital (leverage) ratio | 4.7952% | 6,530 |
| Tier 1 risk-based capital ratio | 9.1548% | 6,468 |
| Total risk-based capital ratio | 10.4125% | 6,457 |
| Memoranda: | ||
| Average total assets | $236,691,500 | 2,657 |
| Average earning assets | $215,640,250 | 2,673 |
| Average equity | $9,650,500 | 4,865 |
| Average total loans | $96,189,500 | 3,525 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5120% | 5,388 |
| Cost of funding earning assets | 0.2580% | 5,406 |
| Net interest margin | 3.2541% | 4,763 |
| Noninterest income to average assets | 1.1895% | 827 |
| Noninterest expense to average assets | 4.0239% | 738 |
| Loan and lease loss provision to assets | -0.8254% | 6,624 |
| Net operating income to assets | 0.9538% | 2,538 |
| Return on assets (ROA) | 0.9631% | 2,577 |
| Pretax return on assets | 0.9631% | 3,632 |
| Return on Equity (ROE) | 24.3460% | 126 |
| Retained earnings to average equity (ytd only) | 24.3460% | 48 |
| Net charge-offs to loans | 0.3723% | 1,092 |
| Credit loss provision to net charge-offs | -548.8764% | 5,593 |
| Earnings coverage of net charge-offs (x) | 0.8539% | 3,954 |
| Efficiency ratio | 96.9074% | 514 |
| Assets per employee ($millions) | 2.5137% | 6,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5493% | 671 |
| Loan loss allowance to noncurrent loans | 141.9092% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 2.2727% | 1,325 |
| Noncurrent loans to loans | 1.7965% | 1,912 |
| Net loans and leases to total assets | 39.8661% | 5,827 |
| Net loans and leases to deposits | 42.9492% | 6,032 |
| Net loans and leases to core deposits | 43.3735% | 6,096 |
| Total domestic deposits to total assets | 92.8216% | 95 |
| Equity capital to assets | 4.4386% | 6,603 |
| Core capital (leverage) ratio | 4.7139% | 6,595 |
| Tier 1 risk-based capital ratio | 9.3635% | 6,507 |
| Total risk-based capital ratio | 10.6232% | 6,493 |
| Memoranda: | ||
| Average total assets | $236,734,330 | 2,664 |
| Average earning assets | $215,545,330 | 2,682 |
| Average equity | $9,365,000 | 4,945 |
| Average total loans | $95,611,670 | 3,547 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4821% | 5,475 |
| Cost of funding earning assets | 0.2666% | 5,425 |
| Net interest margin | 3.2155% | 4,878 |
| Noninterest income to average assets | 1.1956% | 775 |
| Noninterest expense to average assets | 4.0333% | 727 |
| Loan and lease loss provision to assets | 0.0319% | 3,403 |
| Net operating income to assets | 0.0470% | 6,139 |
| Return on assets (ROA) | 0.0521% | 6,141 |
| Pretax return on assets | 0.0521% | 6,153 |
| Return on Equity (ROE) | 1.3996% | 5,947 |
| Retained earnings to average equity (ytd only) | 1.3996% | 5,053 |
| Net charge-offs to loans | 0.5439% | 678 |
| Credit loss provision to net charge-offs | 14.6154% | 2,565 |
| Earnings coverage of net charge-offs (x) | 0.3615% | 3,361 |
| Efficiency ratio | 98.0808% | 540 |
| Assets per employee ($millions) | 2.6080% | 6,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6153% | 246 |
| Loan loss allowance to noncurrent loans | 204.2815% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 2.2777% | 1,443 |
| Noncurrent loans to loans | 1.7698% | 2,176 |
| Net loans and leases to total assets | 38.7004% | 5,893 |
| Net loans and leases to deposits | 41.7712% | 6,088 |
| Net loans and leases to core deposits | 42.2286% | 6,151 |
| Total domestic deposits to total assets | 92.6485% | 154 |
| Equity capital to assets | 3.7789% | 6,677 |
| Core capital (leverage) ratio | 4.2551% | 6,671 |
| Tier 1 risk-based capital ratio | 8.5763% | 6,609 |
| Total risk-based capital ratio | 9.8479% | 6,611 |
| Memoranda: | ||
| Average total assets | $238,216,500 | 2,658 |
| Average earning assets | $216,078,000 | 2,681 |
| Average equity | $8,859,500 | 5,091 |
| Average total loans | $95,601,000 | 3,565 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5849% | 5,446 |
| Cost of funding earning assets | 0.3694% | 4,962 |
| Net interest margin | 3.2156% | 4,948 |
| Noninterest income to average assets | 1.0096% | 1,375 |
| Noninterest expense to average assets | 4.1576% | 728 |
| Loan and lease loss provision to assets | 0.0207% | 4,717 |
| Net operating income to assets | -0.2056% | 6,369 |
| Return on assets (ROA) | -0.1618% | 6,358 |
| Pretax return on assets | -0.2302% | 6,377 |
| Return on Equity (ROE) | -4.0217% | 6,458 |
| Retained earnings to average equity (ytd only) | -4.0217% | 6,321 |
| Net charge-offs to loans | 0.3881% | 1,736 |
| Credit loss provision to net charge-offs | 12.7604% | 4,553 |
| Earnings coverage of net charge-offs (x) | -1.6771% | 5,308 |
| Efficiency ratio | 107.0015% | 318 |
| Assets per employee ($millions) | 2.4894% | 6,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7876% | 230 |
| Loan loss allowance to noncurrent loans | 177.7833% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 2.8064% | 1,163 |
| Noncurrent loans to loans | 2.1305% | 1,849 |
| Net loans and leases to total assets | 38.5924% | 6,049 |
| Net loans and leases to deposits | 41.9163% | 6,229 |
| Net loans and leases to core deposits | 42.3953% | 6,292 |
| Total domestic deposits to total assets | 92.0700% | 271 |
| Equity capital to assets | 3.6584% | 6,749 |
| Core capital (leverage) ratio | 4.1980% | 6,743 |
| Tier 1 risk-based capital ratio | 8.6673% | 6,674 |
| Total risk-based capital ratio | 9.9399% | 6,675 |
| Memoranda: | ||
| Average total assets | $236,725,200 | 2,649 |
| Average earning assets | $211,718,800 | 2,705 |
| Average equity | $9,523,400 | 4,967 |
| Average total loans | $98,938,800 | 3,470 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6022% | 5,436 |
| Cost of funding earning assets | 0.3871% | 4,927 |
| Net interest margin | 3.2151% | 4,949 |
| Noninterest income to average assets | 0.9972% | 1,463 |
| Noninterest expense to average assets | 4.1545% | 716 |
| Loan and lease loss provision to assets | 0.0135% | 4,733 |
| Net operating income to assets | -0.1823% | 6,456 |
| Return on assets (ROA) | -0.1289% | 6,441 |
| Pretax return on assets | -0.2202% | 6,478 |
| Return on Equity (ROE) | -3.1344% | 6,528 |
| Retained earnings to average equity (ytd only) | -3.1344% | 6,365 |
| Net charge-offs to loans | 0.4415% | 1,458 |
| Credit loss provision to net charge-offs | 7.2508% | 4,254 |
| Earnings coverage of net charge-offs (x) | -1.5559% | 5,049 |
| Efficiency ratio | 107.5040% | 305 |
| Assets per employee ($millions) | 2.4947% | 6,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6753% | 289 |
| Loan loss allowance to noncurrent loans | 182.3766% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 3.6081% | 921 |
| Noncurrent loans to loans | 2.0152% | 2,232 |
| Net loans and leases to total assets | 40.4809% | 5,997 |
| Net loans and leases to deposits | 43.7404% | 6,216 |
| Net loans and leases to core deposits | 44.2434% | 6,293 |
| Total domestic deposits to total assets | 92.5481% | 172 |
| Equity capital to assets | 3.8840% | 6,821 |
| Core capital (leverage) ratio | 4.3133% | 6,814 |
| Tier 1 risk-based capital ratio | 8.3822% | 6,752 |
| Total risk-based capital ratio | 9.6536% | 6,753 |
| Memoranda: | ||
| Average total assets | $236,782,750 | 2,666 |
| Average earning assets | $211,163,500 | 2,722 |
| Average equity | $9,741,250 | 4,966 |
| Average total loans | $99,958,000 | 3,476 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5532% | 5,583 |
| Cost of funding earning assets | 0.4029% | 4,918 |
| Net interest margin | 3.1502% | 5,122 |
| Noninterest income to average assets | 0.9607% | 1,626 |
| Noninterest expense to average assets | 4.1222% | 756 |
| Loan and lease loss provision to assets | 0.0101% | 4,667 |
| Net operating income to assets | -0.1783% | 6,477 |
| Return on assets (ROA) | -0.1196% | 6,467 |
| Pretax return on assets | -0.2560% | 6,529 |
| Return on Equity (ROE) | -2.8536% | 6,570 |
| Retained earnings to average equity (ytd only) | -2.8536% | 6,293 |
| Net charge-offs to loans | 0.2330% | 2,331 |
| Credit loss provision to net charge-offs | 10.2564% | 3,897 |
| Earnings coverage of net charge-offs (x) | -3.4274% | 4,799 |
| Efficiency ratio | 108.9210% | 297 |
| Assets per employee ($millions) | 2.4924% | 6,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8685% | 283 |
| Loan loss allowance to noncurrent loans | 129.2765% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 4.2226% | 803 |
| Noncurrent loans to loans | 2.9924% | 1,488 |
| Net loans and leases to total assets | 40.1336% | 6,032 |
| Net loans and leases to deposits | 43.3663% | 6,263 |
| Net loans and leases to core deposits | 43.8593% | 6,335 |
| Total domestic deposits to total assets | 92.5456% | 177 |
| Equity capital to assets | 4.0862% | 6,865 |
| Core capital (leverage) ratio | 4.3312% | 6,859 |
| Tier 1 risk-based capital ratio | 8.5477% | 6,786 |
| Total risk-based capital ratio | 9.8217% | 6,786 |
| Memoranda: | ||
| Average total assets | $237,542,670 | 2,672 |
| Average earning assets | $212,936,670 | 2,711 |
| Average equity | $9,952,330 | 4,955 |
| Average total loans | $100,427,000 | 3,477 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5457% | 5,590 |
| Cost of funding earning assets | 0.4274% | 4,839 |
| Net interest margin | 3.1183% | 5,201 |
| Noninterest income to average assets | 1.3214% | 885 |
| Noninterest expense to average assets | 4.0685% | 822 |
| Loan and lease loss provision to assets | 0.0151% | 4,268 |
| Net operating income to assets | 0.2942% | 5,591 |
| Return on assets (ROA) | 0.3009% | 5,688 |
| Pretax return on assets | 0.0286% | 6,372 |
| Return on Equity (ROE) | 7.0954% | 3,443 |
| Retained earnings to average equity (ytd only) | 7.0954% | 2,110 |
| Net charge-offs to loans | 0.3003% | 1,763 |
| Credit loss provision to net charge-offs | 11.8421% | 3,128 |
| Earnings coverage of net charge-offs (x) | 0.2895% | 3,716 |
| Efficiency ratio | 99.0991% | 579 |
| Assets per employee ($millions) | 2.5084% | 6,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8721% | 320 |
| Loan loss allowance to noncurrent loans | 113.8897% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 5.1877% | 683 |
| Noncurrent loans to loans | 3.3999% | 1,418 |
| Net loans and leases to total assets | 39.8153% | 6,014 |
| Net loans and leases to deposits | 43.3261% | 6,249 |
| Net loans and leases to core deposits | 43.9722% | 6,316 |
| Total domestic deposits to total assets | 91.8967% | 266 |
| Equity capital to assets | 4.2350% | 6,930 |
| Core capital (leverage) ratio | 4.2035% | 6,925 |
| Tier 1 risk-based capital ratio | 8.2926% | 6,850 |
| Total risk-based capital ratio | 9.5672% | 6,851 |
| Memoranda: | ||
| Average total assets | $237,927,000 | 2,695 |
| Average earning assets | $212,425,500 | 2,743 |
| Average equity | $10,091,000 | 4,965 |
| Average total loans | $101,215,500 | 3,473 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1073% | 4,927 |
| Cost of funding earning assets | 0.5779% | 4,559 |
| Net interest margin | 3.5293% | 4,380 |
| Noninterest income to average assets | 0.4183% | 4,466 |
| Noninterest expense to average assets | 4.3553% | 648 |
| Loan and lease loss provision to assets | 0.0222% | 5,619 |
| Net operating income to assets | -0.8646% | 6,698 |
| Return on assets (ROA) | -0.3013% | 6,493 |
| Pretax return on assets | -0.2762% | 6,464 |
| Return on Equity (ROE) | -7.4128% | 6,668 |
| Retained earnings to average equity (ytd only) | -7.4128% | 6,546 |
| Net charge-offs to loans | 0.2976% | 3,158 |
| Credit loss provision to net charge-offs | 16.2080% | 5,325 |
| Earnings coverage of net charge-offs (x) | -5.9633% | 5,918 |
| Efficiency ratio | 123.0988% | 187 |
| Assets per employee ($millions) | 2.4232% | 6,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8260% | 324 |
| Loan loss allowance to noncurrent loans | 111.6193% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 5.8311% | 604 |
| Noncurrent loans to loans | 3.4277% | 1,466 |
| Net loans and leases to total assets | 42.0179% | 6,004 |
| Net loans and leases to deposits | 46.1512% | 6,244 |
| Net loans and leases to core deposits | 46.9125% | 6,330 |
| Total domestic deposits to total assets | 91.0441% | 478 |
| Equity capital to assets | 4.2476% | 6,987 |
| Core capital (leverage) ratio | 4.0516% | 6,988 |
| Tier 1 risk-based capital ratio | 8.0973% | 6,907 |
| Total risk-based capital ratio | 9.3724% | 6,909 |
| Memoranda: | ||
| Average total assets | $238,606,800 | 2,648 |
| Average earning assets | $210,919,600 | 2,720 |
| Average equity | $9,699,400 | 5,052 |
| Average total loans | $109,884,600 | 3,298 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1965% | 4,829 |
| Cost of funding earning assets | 0.6057% | 4,586 |
| Net interest margin | 3.5908% | 4,270 |
| Noninterest income to average assets | 0.4225% | 4,459 |
| Noninterest expense to average assets | 4.3373% | 638 |
| Loan and lease loss provision to assets | 0.0184% | 5,573 |
| Net operating income to assets | -0.7900% | 6,807 |
| Return on assets (ROA) | -0.4376% | 6,707 |
| Pretax return on assets | -0.4125% | 6,663 |
| Return on Equity (ROE) | -10.8843% | 6,876 |
| Retained earnings to average equity (ytd only) | -10.8843% | 6,837 |
| Net charge-offs to loans | -0.0633% | 6,763 |
| Credit loss provision to net charge-offs | -62.2642% | 6,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.7907% | 187 |
| Assets per employee ($millions) | 2.4662% | 6,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0043% | 308 |
| Loan loss allowance to noncurrent loans | 108.9408% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 6.2861% | 617 |
| Noncurrent loans to loans | 3.6757% | 1,456 |
| Net loans and leases to total assets | 42.9807% | 6,038 |
| Net loans and leases to deposits | 47.1569% | 6,306 |
| Net loans and leases to core deposits | 47.9251% | 6,421 |
| Total domestic deposits to total assets | 91.1439% | 376 |
| Equity capital to assets | 4.2700% | 7,088 |
| Core capital (leverage) ratio | 4.0433% | 7,094 |
| Tier 1 risk-based capital ratio | 7.7955% | 7,004 |
| Total risk-based capital ratio | 9.0726% | 7,005 |
| Memoranda: | ||
| Average total assets | $239,495,500 | 2,658 |
| Average earning assets | $211,313,750 | 2,746 |
| Average equity | $9,628,250 | 5,122 |
| Average total loans | $111,682,500 | 3,282 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2530% | 4,750 |
| Cost of funding earning assets | 0.6356% | 4,565 |
| Net interest margin | 3.6173% | 4,189 |
| Noninterest income to average assets | 0.1653% | 6,348 |
| Noninterest expense to average assets | 4.2958% | 653 |
| Loan and lease loss provision to assets | 0.0192% | 5,425 |
| Net operating income to assets | -0.9917% | 6,904 |
| Return on assets (ROA) | -0.7071% | 6,858 |
| Pretax return on assets | -0.6820% | 6,817 |
| Return on Equity (ROE) | -17.9589% | 7,012 |
| Retained earnings to average equity (ytd only) | -17.9589% | 6,985 |
| Net charge-offs to loans | -0.2862% | 7,065 |
| Credit loss provision to net charge-offs | -14.1975% | 5,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.2972% | 174 |
| Assets per employee ($millions) | 2.4106% | 6,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0182% | 339 |
| Loan loss allowance to noncurrent loans | 104.4513% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 6.7154% | 602 |
| Noncurrent loans to loans | 3.8469% | 1,453 |
| Net loans and leases to total assets | 43.9213% | 6,021 |
| Net loans and leases to deposits | 47.7561% | 6,327 |
| Net loans and leases to core deposits | 48.5264% | 6,428 |
| Total domestic deposits to total assets | 91.9701% | 229 |
| Equity capital to assets | 4.3039% | 7,127 |
| Core capital (leverage) ratio | 4.0174% | 7,134 |
| Tier 1 risk-based capital ratio | 7.5645% | 7,060 |
| Total risk-based capital ratio | 8.8417% | 7,061 |
| Memoranda: | ||
| Average total assets | $239,585,330 | 2,662 |
| Average earning assets | $210,818,330 | 2,752 |
| Average equity | $9,432,670 | 5,175 |
| Average total loans | $113,206,670 | 3,270 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3459% | 4,533 |
| Cost of funding earning assets | 0.6756% | 4,504 |
| Net interest margin | 3.6703% | 3,960 |
| Noninterest income to average assets | 1.2380% | 929 |
| Noninterest expense to average assets | 4.2107% | 729 |
| Loan and lease loss provision to assets | 0.0350% | 4,944 |
| Net operating income to assets | 0.2074% | 5,962 |
| Return on assets (ROA) | 0.5016% | 5,037 |
| Pretax return on assets | 0.5182% | 5,368 |
| Return on Equity (ROE) | 13.3577% | 1,312 |
| Retained earnings to average equity (ytd only) | 13.3577% | 635 |
| Net charge-offs to loans | 0.4027% | 2,095 |
| Credit loss provision to net charge-offs | 18.1034% | 3,803 |
| Earnings coverage of net charge-offs (x) | 1.2931% | 3,683 |
| Efficiency ratio | 94.3967% | 799 |
| Assets per employee ($millions) | 2.4578% | 6,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6619% | 478 |
| Loan loss allowance to noncurrent loans | 91.3295% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 7.4189% | 548 |
| Noncurrent loans to loans | 4.0096% | 1,524 |
| Net loans and leases to total assets | 44.4151% | 5,967 |
| Net loans and leases to deposits | 48.1195% | 6,281 |
| Net loans and leases to core deposits | 48.9341% | 6,400 |
| Total domestic deposits to total assets | 92.3017% | 216 |
| Equity capital to assets | 4.1048% | 7,179 |
| Core capital (leverage) ratio | 3.9463% | 7,183 |
| Tier 1 risk-based capital ratio | 7.1166% | 7,125 |
| Total risk-based capital ratio | 8.3895% | 7,126 |
| Memoranda: | ||
| Average total assets | $240,055,500 | 2,670 |
| Average earning assets | $210,775,000 | 2,764 |
| Average equity | $9,013,500 | 5,277 |
| Average total loans | $115,208,000 | 3,248 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5723% | 4,782 |
| Cost of funding earning assets | 0.8435% | 4,519 |
| Net interest margin | 3.7288% | 4,162 |
| Noninterest income to average assets | -2.1139% | 7,352 |
| Noninterest expense to average assets | 4.5528% | 560 |
| Loan and lease loss provision to assets | 1.8714% | 343 |
| Net operating income to assets | -6.2068% | 7,324 |
| Return on assets (ROA) | -6.1656% | 7,323 |
| Pretax return on assets | -5.2958% | 7,316 |
| Return on Equity (ROE) | -85.7872% | 7,297 |
| Retained earnings to average equity (ytd only) | -85.7872% | 7,297 |
| Net charge-offs to loans | 3.3216% | 246 |
| Credit loss provision to net charge-offs | 109.8111% | 3,054 |
| Earnings coverage of net charge-offs (x) | -2.0336% | 6,281 |
| Efficiency ratio | 418.7726% | 14 |
| Assets per employee ($millions) | 2.3918% | 6,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5548% | 514 |
| Loan loss allowance to noncurrent loans | 63.2410% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 8.0431% | 505 |
| Noncurrent loans to loans | 5.6210% | 931 |
| Net loans and leases to total assets | 48.1583% | 5,808 |
| Net loans and leases to deposits | 52.4353% | 6,172 |
| Net loans and leases to core deposits | 53.5050% | 6,334 |
| Total domestic deposits to total assets | 91.8433% | 257 |
| Equity capital to assets | 3.3950% | 7,258 |
| Core capital (leverage) ratio | 2.9635% | 7,271 |
| Tier 1 risk-based capital ratio | 5.3433% | 7,229 |
| Total risk-based capital ratio | 6.6155% | 7,231 |
| Memoranda: | ||
| Average total assets | $254,786,000 | 2,474 |
| Average earning assets | $218,731,600 | 2,627 |
| Average equity | $18,311,600 | 3,386 |
| Average total loans | $130,721,400 | 2,973 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5848% | 4,924 |
| Cost of funding earning assets | 0.8731% | 4,617 |
| Net interest margin | 3.7117% | 4,285 |
| Noninterest income to average assets | -0.7400% | 7,386 |
| Noninterest expense to average assets | 4.4711% | 593 |
| Loan and lease loss provision to assets | 2.2651% | 216 |
| Net operating income to assets | -2.6382% | 7,231 |
| Return on assets (ROA) | -2.6184% | 7,243 |
| Pretax return on assets | -4.2757% | 7,351 |
| Return on Equity (ROE) | -32.5155% | 7,213 |
| Retained earnings to average equity (ytd only) | -32.5155% | 7,206 |
| Net charge-offs to loans | 3.7795% | 183 |
| Credit loss provision to net charge-offs | 116.1044% | 2,816 |
| Earnings coverage of net charge-offs (x) | -1.0464% | 5,938 |
| Efficiency ratio | 184.0212% | 64 |
| Assets per employee ($millions) | 2.6375% | 6,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5027% | 560 |
| Loan loss allowance to noncurrent loans | 65.3365% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 9.3071% | 409 |
| Noncurrent loans to loans | 5.3610% | 1,124 |
| Net loans and leases to total assets | 46.7682% | 6,075 |
| Net loans and leases to deposits | 53.3760% | 6,262 |
| Net loans and leases to core deposits | 54.4878% | 6,424 |
| Total domestic deposits to total assets | 87.6203% | 2,280 |
| Equity capital to assets | 7.1820% | 7,019 |
| Core capital (leverage) ratio | 5.0204% | 7,240 |
| Tier 1 risk-based capital ratio | 8.4695% | 7,158 |
| Total risk-based capital ratio | 9.7406% | 7,160 |
| Memoranda: | ||
| Average total assets | $259,286,000 | 2,444 |
| Average earning assets | $221,422,500 | 2,612 |
| Average equity | $20,879,750 | 3,025 |
| Average total loans | $133,843,000 | 2,944 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5971% | 4,976 |
| Cost of funding earning assets | 0.9127% | 4,566 |
| Net interest margin | 3.6843% | 4,337 |
| Noninterest income to average assets | -1.1512% | 7,486 |
| Noninterest expense to average assets | 4.4592% | 622 |
| Loan and lease loss provision to assets | 3.1099% | 142 |
| Net operating income to assets | -3.4247% | 7,359 |
| Return on assets (ROA) | -3.3966% | 7,360 |
| Pretax return on assets | -5.5287% | 7,452 |
| Return on Equity (ROE) | -40.7174% | 7,308 |
| Retained earnings to average equity (ytd only) | -40.7174% | 7,303 |
| Net charge-offs to loans | 5.0417% | 122 |
| Credit loss provision to net charge-offs | 117.1213% | 2,622 |
| Earnings coverage of net charge-offs (x) | -0.9275% | 5,619 |
| Efficiency ratio | 223.3501% | 45 |
| Assets per employee ($millions) | 2.5247% | 6,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4137% | 641 |
| Loan loss allowance to noncurrent loans | 60.3427% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 9.8666% | 402 |
| Noncurrent loans to loans | 5.6573% | 1,099 |
| Net loans and leases to total assets | 48.4554% | 5,998 |
| Net loans and leases to deposits | 54.3822% | 6,283 |
| Net loans and leases to core deposits | 55.5078% | 6,451 |
| Total domestic deposits to total assets | 89.1016% | 1,478 |
| Equity capital to assets | 7.5022% | 6,943 |
| Core capital (leverage) ratio | 5.4010% | 7,264 |
| Tier 1 risk-based capital ratio | 9.0562% | 7,170 |
| Total risk-based capital ratio | 10.3267% | 7,169 |
| Memoranda: | ||
| Average total assets | $259,555,000 | 2,462 |
| Average earning assets | $221,749,670 | 2,629 |
| Average equity | $21,651,670 | 2,910 |
| Average total loans | $136,699,330 | 2,922 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5694% | 5,084 |
| Cost of funding earning assets | 0.9420% | 4,629 |
| Net interest margin | 3.6274% | 4,449 |
| Noninterest income to average assets | 1.0526% | 1,189 |
| Noninterest expense to average assets | 4.2316% | 792 |
| Loan and lease loss provision to assets | 0.4965% | 1,762 |
| Net operating income to assets | -0.3143% | 6,675 |
| Return on assets (ROA) | -0.2918% | 6,668 |
| Pretax return on assets | -0.5225% | 6,765 |
| Return on Equity (ROE) | -3.3344% | 6,695 |
| Retained earnings to average equity (ytd only) | -3.3344% | 6,339 |
| Net charge-offs to loans | 0.5472% | 2,126 |
| Credit loss provision to net charge-offs | 168.3938% | 1,714 |
| Earnings coverage of net charge-offs (x) | -0.2073% | 4,700 |
| Efficiency ratio | 101.4652% | 693 |
| Assets per employee ($millions) | 2.6289% | 6,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7890% | 1,126 |
| Loan loss allowance to noncurrent loans | 35.5428% | 5,928 |
| Noncurrent assets plus other real estate owned to assets | 10.9822% | 334 |
| Noncurrent loans to loans | 7.8468% | 649 |
| Net loans and leases to total assets | 51.8280% | 5,603 |
| Net loans and leases to deposits | 59.1176% | 5,809 |
| Net loans and leases to core deposits | 60.4135% | 6,066 |
| Total domestic deposits to total assets | 87.6693% | 2,571 |
| Equity capital to assets | 8.6987% | 5,662 |
| Core capital (leverage) ratio | 8.0591% | 6,177 |
| Tier 1 risk-based capital ratio | 12.6012% | 5,166 |
| Total risk-based capital ratio | 13.8646% | 5,133 |
| Memoranda: | ||
| Average total assets | $261,837,000 | 2,458 |
| Average earning assets | $225,063,000 | 2,599 |
| Average equity | $22,912,500 | 2,756 |
| Average total loans | $141,087,000 | 2,865 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1784% | 3,710 |
| Cost of funding earning assets | 1.1529% | 4,835 |
| Net interest margin | 4.0255% | 2,905 |
| Noninterest income to average assets | 1.1152% | 1,189 |
| Noninterest expense to average assets | 4.0723% | 1,062 |
| Loan and lease loss provision to assets | 1.2778% | 1,210 |
| Net operating income to assets | -0.5587% | 6,423 |
| Return on assets (ROA) | -0.2764% | 6,237 |
| Pretax return on assets | -0.3909% | 6,238 |
| Return on Equity (ROE) | -3.1114% | 6,285 |
| Retained earnings to average equity (ytd only) | -3.1114% | 6,106 |
| Net charge-offs to loans | 2.6122% | 705 |
| Credit loss provision to net charge-offs | 86.0781% | 5,282 |
| Earnings coverage of net charge-offs (x) | 0.3296% | 5,777 |
| Efficiency ratio | 89.2734% | 1,381 |
| Assets per employee ($millions) | 2.5567% | 6,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6596% | 1,217 |
| Loan loss allowance to noncurrent loans | 34.3395% | 6,025 |
| Noncurrent assets plus other real estate owned to assets | 11.0125% | 350 |
| Noncurrent loans to loans | 7.7450% | 683 |
| Net loans and leases to total assets | 53.0084% | 5,782 |
| Net loans and leases to deposits | 61.6960% | 5,874 |
| Net loans and leases to core deposits | 63.7529% | 6,074 |
| Total domestic deposits to total assets | 85.9187% | 3,403 |
| Equity capital to assets | 8.8030% | 5,428 |
| Core capital (leverage) ratio | 8.0374% | 6,140 |
| Tier 1 risk-based capital ratio | 12.8371% | 4,738 |
| Total risk-based capital ratio | 14.0995% | 4,697 |
| Memoranda: | ||
| Average total assets | $272,427,000 | 2,341 |
| Average earning assets | $233,240,000 | 2,499 |
| Average equity | $24,201,200 | 2,638 |
| Average total loans | $154,814,400 | 2,685 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2490% | 3,584 |
| Cost of funding earning assets | 1.1776% | 4,994 |
| Net interest margin | 4.0714% | 2,752 |
| Noninterest income to average assets | 1.3113% | 800 |
| Noninterest expense to average assets | 4.0115% | 1,031 |
| Loan and lease loss provision to assets | 0.8087% | 1,872 |
| Net operating income to assets | -0.0250% | 6,051 |
| Return on assets (ROA) | 0.2508% | 5,507 |
| Pretax return on assets | 0.2833% | 5,548 |
| Return on Equity (ROE) | 2.8176% | 5,297 |
| Retained earnings to average equity (ytd only) | 2.8176% | 4,454 |
| Net charge-offs to loans | 2.1432% | 856 |
| Credit loss provision to net charge-offs | 65.7480% | 5,542 |
| Earnings coverage of net charge-offs (x) | 0.6358% | 5,402 |
| Efficiency ratio | 83.6852% | 1,869 |
| Assets per employee ($millions) | 2.7113% | 6,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3282% | 1,578 |
| Loan loss allowance to noncurrent loans | 42.4068% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 10.0135% | 409 |
| Noncurrent loans to loans | 5.4902% | 1,206 |
| Net loans and leases to total assets | 52.6542% | 6,020 |
| Net loans and leases to deposits | 62.3337% | 6,086 |
| Net loans and leases to core deposits | 64.3345% | 6,271 |
| Total domestic deposits to total assets | 84.4714% | 3,885 |
| Equity capital to assets | 9.0357% | 5,529 |
| Core capital (leverage) ratio | 8.8751% | 4,883 |
| Tier 1 risk-based capital ratio | 13.3584% | 4,302 |
| Total risk-based capital ratio | 14.6167% | 4,264 |
| Memoranda: | ||
| Average total assets | $275,337,500 | 2,348 |
| Average earning assets | $235,492,750 | 2,516 |
| Average equity | $24,512,250 | 2,650 |
| Average total loans | $158,014,250 | 2,685 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3719% | 3,094 |
| Cost of funding earning assets | 1.2344% | 4,934 |
| Net interest margin | 4.1375% | 2,392 |
| Noninterest income to average assets | 1.3647% | 677 |
| Noninterest expense to average assets | 4.0046% | 1,046 |
| Loan and lease loss provision to assets | 0.6867% | 2,110 |
| Net operating income to assets | 0.1675% | 5,670 |
| Return on assets (ROA) | 0.3063% | 5,308 |
| Pretax return on assets | 0.3666% | 5,320 |
| Return on Equity (ROE) | 3.4574% | 5,035 |
| Retained earnings to average equity (ytd only) | 3.4574% | 3,906 |
| Net charge-offs to loans | 2.0274% | 896 |
| Credit loss provision to net charge-offs | 57.8431% | 5,256 |
| Earnings coverage of net charge-offs (x) | 0.7482% | 4,999 |
| Efficiency ratio | 81.8466% | 2,189 |
| Assets per employee ($millions) | 2.5932% | 6,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3294% | 1,540 |
| Loan loss allowance to noncurrent loans | 28.0729% | 6,484 |
| Noncurrent assets plus other real estate owned to assets | 10.8341% | 338 |
| Noncurrent loans to loans | 8.2977% | 612 |
| Net loans and leases to total assets | 57.3287% | 5,515 |
| Net loans and leases to deposits | 66.2634% | 5,772 |
| Net loans and leases to core deposits | 68.4062% | 6,028 |
| Total domestic deposits to total assets | 86.5164% | 2,809 |
| Equity capital to assets | 9.3032% | 5,001 |
| Core capital (leverage) ratio | 8.5088% | 5,389 |
| Tier 1 risk-based capital ratio | 12.2586% | 5,072 |
| Total risk-based capital ratio | 13.5170% | 5,037 |
| Memoranda: | ||
| Average total assets | $274,934,000 | 2,370 |
| Average earning assets | $234,443,670 | 2,549 |
| Average equity | $24,353,670 | 2,657 |
| Average total loans | $160,990,670 | 2,684 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4073% | 3,001 |
| Cost of funding earning assets | 1.3207% | 4,686 |
| Net interest margin | 4.0867% | 2,500 |
| Noninterest income to average assets | 1.5578% | 507 |
| Noninterest expense to average assets | 3.7956% | 1,336 |
| Loan and lease loss provision to assets | 0.5394% | 2,348 |
| Net operating income to assets | 0.4910% | 4,436 |
| Return on assets (ROA) | 0.4920% | 4,566 |
| Pretax return on assets | 0.7043% | 4,215 |
| Return on Equity (ROE) | 5.6915% | 4,015 |
| Retained earnings to average equity (ytd only) | 5.6915% | 2,769 |
| Net charge-offs to loans | 2.6095% | 622 |
| Credit loss provision to net charge-offs | 35.3383% | 4,735 |
| Earnings coverage of net charge-offs (x) | 0.8139% | 4,317 |
| Efficiency ratio | 75.3417% | 3,341 |
| Assets per employee ($millions) | 2.7298% | 6,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2576% | 1,646 |
| Loan loss allowance to noncurrent loans | 26.7272% | 6,613 |
| Noncurrent assets plus other real estate owned to assets | 10.5571% | 359 |
| Noncurrent loans to loans | 8.4468% | 619 |
| Net loans and leases to total assets | 56.7857% | 5,641 |
| Net loans and leases to deposits | 65.5627% | 5,869 |
| Net loans and leases to core deposits | 67.9723% | 6,104 |
| Total domestic deposits to total assets | 86.6128% | 2,835 |
| Equity capital to assets | 8.7775% | 5,593 |
| Core capital (leverage) ratio | 8.4814% | 5,407 |
| Tier 1 risk-based capital ratio | 11.9511% | 5,250 |
| Total risk-based capital ratio | 13.2087% | 5,200 |
| Memoranda: | ||
| Average total assets | $278,850,000 | 2,404 |
| Average earning assets | $237,455,500 | 2,559 |
| Average equity | $24,106,000 | 2,710 |
| Average total loans | $163,097,000 | 2,716 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4944% | 4,171 |
| Cost of funding earning assets | 1.8363% | 3,803 |
| Net interest margin | 3.6581% | 4,320 |
| Noninterest income to average assets | 0.6402% | 3,352 |
| Noninterest expense to average assets | 4.4685% | 817 |
| Loan and lease loss provision to assets | 3.2089% | 508 |
| Net operating income to assets | -2.3979% | 7,228 |
| Return on assets (ROA) | -2.3639% | 7,222 |
| Pretax return on assets | -3.8457% | 7,496 |
| Return on Equity (ROE) | -25.3681% | 7,296 |
| Retained earnings to average equity (ytd only) | -25.3681% | 7,273 |
| Net charge-offs to loans | 5.1600% | 237 |
| Credit loss provision to net charge-offs | 102.8008% | 5,369 |
| Earnings coverage of net charge-offs (x) | -0.2210% | 6,476 |
| Efficiency ratio | 118.2611% | 638 |
| Assets per employee ($millions) | 2.6596% | 6,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6394% | 1,080 |
| Loan loss allowance to noncurrent loans | 28.5189% | 6,569 |
| Noncurrent assets plus other real estate owned to assets | 11.7671% | 260 |
| Noncurrent loans to loans | 9.2551% | 475 |
| Net loans and leases to total assets | 57.3257% | 5,772 |
| Net loans and leases to deposits | 66.4465% | 6,004 |
| Net loans and leases to core deposits | 80.1664% | 6,082 |
| Total domestic deposits to total assets | 86.2735% | 2,877 |
| Equity capital to assets | 8.5124% | 5,861 |
| Core capital (leverage) ratio | 8.2052% | 5,803 |
| Tier 1 risk-based capital ratio | 11.8073% | 5,108 |
| Total risk-based capital ratio | 13.0686% | 5,062 |
| Memoranda: | ||
| Average total assets | $297,395,600 | 2,229 |
| Average earning assets | $255,131,800 | 2,364 |
| Average equity | $27,712,000 | 2,401 |
| Average total loans | $179,903,000 | 2,513 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4654% | 4,601 |
| Cost of funding earning assets | 1.9043% | 3,864 |
| Net interest margin | 3.5612% | 4,629 |
| Noninterest income to average assets | 1.0823% | 1,356 |
| Noninterest expense to average assets | 4.3298% | 874 |
| Loan and lease loss provision to assets | 3.2046% | 433 |
| Net operating income to assets | -2.0094% | 7,321 |
| Return on assets (ROA) | -1.9673% | 7,306 |
| Pretax return on assets | -3.3168% | 7,575 |
| Return on Equity (ROE) | -20.6985% | 7,398 |
| Retained earnings to average equity (ytd only) | -20.6985% | 7,366 |
| Net charge-offs to loans | 5.0496% | 221 |
| Credit loss provision to net charge-offs | 104.2672% | 4,876 |
| Earnings coverage of net charge-offs (x) | -0.0579% | 6,136 |
| Efficiency ratio | 104.0949% | 916 |
| Assets per employee ($millions) | 2.7566% | 6,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4901% | 1,073 |
| Loan loss allowance to noncurrent loans | 23.0842% | 6,907 |
| Noncurrent assets plus other real estate owned to assets | 11.9650% | 227 |
| Noncurrent loans to loans | 10.7869% | 343 |
| Net loans and leases to total assets | 56.0161% | 6,141 |
| Net loans and leases to deposits | 66.9881% | 6,215 |
| Net loans and leases to core deposits | 79.8242% | 6,368 |
| Total domestic deposits to total assets | 83.6211% | 3,893 |
| Equity capital to assets | 8.7017% | 5,948 |
| Core capital (leverage) ratio | 8.0604% | 6,251 |
| Tier 1 risk-based capital ratio | 11.3175% | 5,622 |
| Total risk-based capital ratio | 12.5805% | 5,551 |
| Memoranda: | ||
| Average total assets | $301,929,000 | 2,216 |
| Average earning assets | $260,246,500 | 2,336 |
| Average equity | $28,697,000 | 2,344 |
| Average total loans | $183,771,500 | 2,490 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5600% | 4,287 |
| Cost of funding earning assets | 1.9808% | 3,867 |
| Net interest margin | 3.5792% | 4,452 |
| Noninterest income to average assets | 1.1218% | 1,254 |
| Noninterest expense to average assets | 4.3609% | 890 |
| Loan and lease loss provision to assets | 2.7134% | 566 |
| Net operating income to assets | -1.6876% | 7,320 |
| Return on assets (ROA) | -1.6322% | 7,301 |
| Pretax return on assets | -2.7760% | 7,499 |
| Return on Equity (ROE) | -16.6943% | 7,408 |
| Retained earnings to average equity (ytd only) | -16.6943% | 7,331 |
| Net charge-offs to loans | 4.1762% | 327 |
| Credit loss provision to net charge-offs | 104.7521% | 4,388 |
| Earnings coverage of net charge-offs (x) | -0.0575% | 5,756 |
| Efficiency ratio | 103.2543% | 1,049 |
| Assets per employee ($millions) | 2.5665% | 7,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3394% | 1,058 |
| Loan loss allowance to noncurrent loans | 18.3710% | 7,222 |
| Noncurrent assets plus other real estate owned to assets | 13.2555% | 142 |
| Noncurrent loans to loans | 12.7344% | 191 |
| Net loans and leases to total assets | 59.8029% | 5,712 |
| Net loans and leases to deposits | 69.2092% | 6,071 |
| Net loans and leases to core deposits | 82.8362% | 6,173 |
| Total domestic deposits to total assets | 86.4090% | 2,565 |
| Equity capital to assets | 9.3226% | 4,837 |
| Core capital (leverage) ratio | 9.4310% | 3,989 |
| Tier 1 risk-based capital ratio | 12.4565% | 4,553 |
| Total risk-based capital ratio | 13.7143% | 4,470 |
| Memoranda: | ||
| Average total assets | $300,577,000 | 2,256 |
| Average earning assets | $259,497,000 | 2,356 |
| Average equity | $29,387,330 | 2,316 |
| Average total loans | $186,436,000 | 2,500 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6381% | 4,118 |
| Cost of funding earning assets | 2.0250% | 4,008 |
| Net interest margin | 3.6131% | 4,266 |
| Noninterest income to average assets | 1.2437% | 924 |
| Noninterest expense to average assets | 4.1920% | 948 |
| Loan and lease loss provision to assets | 1.5880% | 795 |
| Net operating income to assets | -0.7980% | 7,123 |
| Return on assets (ROA) | -0.7497% | 7,129 |
| Pretax return on assets | -1.3602% | 7,324 |
| Return on Equity (ROE) | -7.4958% | 7,193 |
| Retained earnings to average equity (ytd only) | -7.4958% | 6,853 |
| Net charge-offs to loans | 2.8838% | 449 |
| Credit loss provision to net charge-offs | 88.2266% | 4,043 |
| Earnings coverage of net charge-offs (x) | 0.0846% | 4,917 |
| Efficiency ratio | 96.2195% | 1,307 |
| Assets per employee ($millions) | 2.5731% | 7,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1480% | 1,149 |
| Loan loss allowance to noncurrent loans | 16.4223% | 7,342 |
| Noncurrent assets plus other real estate owned to assets | 14.0310% | 95 |
| Noncurrent loans to loans | 13.0796% | 147 |
| Net loans and leases to total assets | 58.3205% | 5,892 |
| Net loans and leases to deposits | 68.9259% | 6,087 |
| Net loans and leases to core deposits | 82.0079% | 6,236 |
| Total domestic deposits to total assets | 84.6134% | 3,411 |
| Equity capital to assets | 9.8024% | 4,237 |
| Core capital (leverage) ratio | 10.1676% | 3,226 |
| Tier 1 risk-based capital ratio | 12.8765% | 4,274 |
| Total risk-based capital ratio | 14.1319% | 4,190 |
| Memoranda: | ||
| Average total assets | $302,006,500 | 2,255 |
| Average earning assets | $259,164,500 | 2,374 |
| Average equity | $30,203,500 | 2,255 |
| Average total loans | $188,499,500 | 2,489 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1028% | 5,029 |
| Cost of funding earning assets | 2.4494% | 4,474 |
| Net interest margin | 3.6534% | 4,662 |
| Noninterest income to average assets | 1.2898% | 884 |
| Noninterest expense to average assets | 5.4113% | 522 |
| Loan and lease loss provision to assets | 2.3858% | 452 |
| Net operating income to assets | -2.4209% | 7,687 |
| Return on assets (ROA) | -2.3874% | 7,645 |
| Pretax return on assets | -3.2035% | 7,758 |
| Return on Equity (ROE) | -20.6387% | 7,772 |
| Retained earnings to average equity (ytd only) | -22.6809% | 7,752 |
| Net charge-offs to loans | 3.1727% | 271 |
| Credit loss provision to net charge-offs | 112.9872% | 4,776 |
| Earnings coverage of net charge-offs (x) | -0.4084% | 6,460 |
| Efficiency ratio | 88.3088% | 1,653 |
| Assets per employee ($millions) | 2.4212% | 7,361 |
| Cash dividends to net income (ytd only)* | -9.8947% | 7,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0977% | 1,078 |
| Loan loss allowance to noncurrent loans | 12.9200% | 7,452 |
| Noncurrent assets plus other real estate owned to assets | 14.7539% | 62 |
| Noncurrent loans to loans | 16.2359% | 60 |
| Net loans and leases to total assets | 63.9400% | 5,283 |
| Net loans and leases to deposits | 77.0252% | 5,472 |
| Net loans and leases to core deposits | 92.1176% | 5,626 |
| Total domestic deposits to total assets | 83.0118% | 3,772 |
| Equity capital to assets | 10.2051% | 3,802 |
| Core capital (leverage) ratio | 10.0806% | 3,373 |
| Tier 1 risk-based capital ratio | 12.7978% | 4,218 |
| Total risk-based capital ratio | 14.0532% | 4,146 |
| Memoranda: | ||
| Average total assets | $318,336,400 | 2,105 |
| Average earning assets | $283,983,200 | 2,147 |
| Average equity | $36,824,000 | 1,839 |
| Average total loans | $211,872,600 | 2,190 |