Home > Georgia Banking Company > Performance and Condition Ratios
Georgia Banking Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0365% | 214 |
| Cost of funding earning assets | 2.5018% | 360 |
| Net interest margin | 4.5347% | 579 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 3.0898% | 978 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.0175% | 2,162 |
| Return on assets (ROA) | 1.0175% | 2,147 |
| Pretax return on assets | 1.3646% | 1,711 |
| Return on Equity (ROE) | 11.2100% | 2,170 |
| Retained earnings to average equity (ytd only) | 11.2103% | 750 |
| Net charge-offs to loans | 0.0124% | 2,185 |
| Credit loss provision to net charge-offs | 1,055.6250% | 395 |
| Earnings coverage of net charge-offs (x) | 148.4313% | 712 |
| Efficiency ratio | 67.7744% | 2,134 |
| Assets per employee ($millions) | 9.2093% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3366% | 1,620 |
| Loan loss allowance to noncurrent loans | 529.6988% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 2,279 |
| Noncurrent loans to loans | 0.2523% | 2,288 |
| Net loans and leases to total assets | 74.1900% | 1,329 |
| Net loans and leases to deposits | 87.4029% | 1,491 |
| Net loans and leases to core deposits | 111.3961% | 904 |
| Total domestic deposits to total assets | 84.8800% | 2,346 |
| Equity capital to assets | 8.8541% | 2,784 |
| Core capital (leverage) ratio | 9.6191% | 3,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3846% | 2,461 |
| Memoranda: | ||
| Average total assets | $1,616,538,400 | 676 |
| Average earning assets | $1,527,515,600 | 655 |
| Average equity | $146,731,200 | 683 |
| Average total loans | $1,288,620,400 | 587 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0105% | 199 |
| Cost of funding earning assets | 2.3773% | 347 |
| Net interest margin | 4.6332% | 506 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 3.0553% | 984 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.1099% | 2,023 |
| Return on assets (ROA) | 1.1099% | 2,003 |
| Pretax return on assets | 1.4999% | 1,551 |
| Return on Equity (ROE) | 12.1500% | 2,084 |
| Retained earnings to average equity (ytd only) | 12.1459% | 947 |
| Net charge-offs to loans | -0.0026% | 3,622 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.5418% | 2,324 |
| Assets per employee ($millions) | 8.7881% | 1,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3432% | 1,680 |
| Loan loss allowance to noncurrent loans | 489.0048% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.2206% | 2,159 |
| Noncurrent loans to loans | 0.2747% | 2,256 |
| Net loans and leases to total assets | 79.2200% | 740 |
| Net loans and leases to deposits | 92.9273% | 973 |
| Net loans and leases to core deposits | 117.4475% | 624 |
| Total domestic deposits to total assets | 85.2500% | 2,429 |
| Equity capital to assets | 9.3163% | 2,214 |
| Core capital (leverage) ratio | 9.7578% | 3,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4557% | 2,464 |
| Memoranda: | ||
| Average total assets | $1,583,230,500 | 693 |
| Average earning assets | $1,499,221,500 | 670 |
| Average equity | $144,682,250 | 686 |
| Average total loans | $1,281,836,500 | 590 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9044% | 186 |
| Cost of funding earning assets | 2.2086% | 332 |
| Net interest margin | 4.6958% | 460 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 3.0275% | 999 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.1561% | 1,956 |
| Return on assets (ROA) | 1.1561% | 1,948 |
| Pretax return on assets | 1.5624% | 1,475 |
| Return on Equity (ROE) | 12.7400% | 1,960 |
| Retained earnings to average equity (ytd only) | 12.7358% | 847 |
| Net charge-offs to loans | 0.0059% | 2,036 |
| Credit loss provision to net charge-offs | 2,207.8947% | 237 |
| Earnings coverage of net charge-offs (x) | 345.8421% | 405 |
| Efficiency ratio | 64.4638% | 2,428 |
| Assets per employee ($millions) | 9.0310% | 900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3329% | 1,792 |
| Loan loss allowance to noncurrent loans | 474.4723% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 2,063 |
| Noncurrent loans to loans | 0.2809% | 2,138 |
| Net loans and leases to total assets | 78.9600% | 739 |
| Net loans and leases to deposits | 92.6047% | 975 |
| Net loans and leases to core deposits | 119.0087% | 535 |
| Total domestic deposits to total assets | 85.2600% | 2,472 |
| Equity capital to assets | 9.2466% | 2,349 |
| Core capital (leverage) ratio | 9.1577% | 3,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2050% | 2,572 |
| Memoranda: | ||
| Average total assets | $1,574,902,000 | 682 |
| Average earning assets | $1,490,986,000 | 661 |
| Average equity | $142,967,333 | 689 |
| Average total loans | $1,278,666,667 | 579 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5698% | 166 |
| Cost of funding earning assets | 1.7024% | 573 |
| Net interest margin | 4.8673% | 339 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.9588% | 1,136 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.2813% | 1,718 |
| Return on assets (ROA) | 1.2813% | 1,691 |
| Pretax return on assets | 1.7314% | 1,214 |
| Return on Equity (ROE) | 14.2500% | 1,728 |
| Retained earnings to average equity (ytd only) | 14.2478% | 909 |
| Net charge-offs to loans | -0.0028% | 3,496 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.6858% | 2,731 |
| Assets per employee ($millions) | 9.0281% | 919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2842% | 2,113 |
| Loan loss allowance to noncurrent loans | 522.1096% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.1932% | 2,176 |
| Noncurrent loans to loans | 0.2460% | 2,269 |
| Net loans and leases to total assets | 77.5400% | 815 |
| Net loans and leases to deposits | 90.0444% | 1,043 |
| Net loans and leases to core deposits | 120.2362% | 424 |
| Total domestic deposits to total assets | 86.1100% | 2,551 |
| Equity capital to assets | 8.7345% | 2,710 |
| Core capital (leverage) ratio | 9.6271% | 3,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7339% | 2,807 |
| Memoranda: | ||
| Average total assets | $1,572,142,000 | 697 |
| Average earning assets | $1,489,857,500 | 672 |
| Average equity | $141,383,000 | 705 |
| Average total loans | $1,285,634,500 | 584 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8362% | 402 |
| Cost of funding earning assets | 0.7516% | 468 |
| Net interest margin | 4.0846% | 680 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 3.2872% | 636 |
| Loan and lease loss provision to assets | 0.2400% | 394 |
| Net operating income to assets | 0.5889% | 3,906 |
| Return on assets (ROA) | 0.5889% | 3,868 |
| Pretax return on assets | 0.7884% | 3,655 |
| Return on Equity (ROE) | 6.3900% | 3,754 |
| Retained earnings to average equity (ytd only) | 6.3938% | 2,495 |
| Net charge-offs to loans | -0.0194% | 4,056 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.0952% | 1,001 |
| Assets per employee ($millions) | 9.0431% | 905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 3,461 |
| Loan loss allowance to noncurrent loans | 447.1004% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.1873% | 2,247 |
| Noncurrent loans to loans | 0.2196% | 2,393 |
| Net loans and leases to total assets | 84.4400% | 228 |
| Net loans and leases to deposits | 95.5472% | 675 |
| Net loans and leases to core deposits | 118.4301% | 394 |
| Total domestic deposits to total assets | 88.3700% | 1,940 |
| Equity capital to assets | 9.2728% | 2,177 |
| Core capital (leverage) ratio | 9.9996% | 2,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1799% | 2,942 |
| Memoranda: | ||
| Average total assets | $1,315,270,600 | 779 |
| Average earning assets | $1,257,236,600 | 753 |
| Average equity | $121,147,800 | 806 |
| Average total loans | $1,130,579,600 | 614 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3196% | 703 |
| Cost of funding earning assets | 0.5709% | 513 |
| Net interest margin | 3.7488% | 1,038 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 3.3146% | 585 |
| Loan and lease loss provision to assets | 0.2400% | 344 |
| Net operating income to assets | 0.3727% | 4,284 |
| Return on assets (ROA) | 0.3727% | 4,229 |
| Pretax return on assets | 0.4839% | 4,171 |
| Return on Equity (ROE) | 4.0500% | 4,145 |
| Retained earnings to average equity (ytd only) | 4.0540% | 3,424 |
| Net charge-offs to loans | -0.0108% | 3,737 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 82.0568% | 645 |
| Assets per employee ($millions) | 8.0585% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 3,682 |
| Loan loss allowance to noncurrent loans | 378.9732% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.2219% | 2,123 |
| Noncurrent loans to loans | 0.2514% | 2,370 |
| Net loans and leases to total assets | 87.4200% | 75 |
| Net loans and leases to deposits | 96.8203% | 505 |
| Net loans and leases to core deposits | 108.5111% | 516 |
| Total domestic deposits to total assets | 90.3000% | 1,527 |
| Equity capital to assets | 9.0687% | 2,163 |
| Core capital (leverage) ratio | 9.3663% | 3,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8952% | 3,051 |
| Memoranda: | ||
| Average total assets | $1,266,539,750 | 814 |
| Average earning assets | $1,214,274,250 | 787 |
| Average equity | $116,425,500 | 852 |
| Average total loans | $1,091,278,500 | 630 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8493% | 1,209 |
| Cost of funding earning assets | 0.5328% | 435 |
| Net interest margin | 3.3166% | 1,864 |
| Noninterest income to average assets | 0.3509% | 3,052 |
| Noninterest expense to average assets | 3.3435% | 514 |
| Loan and lease loss provision to assets | 0.2500% | 287 |
| Net operating income to assets | -0.0490% | 4,599 |
| Return on assets (ROA) | -0.0490% | 4,568 |
| Pretax return on assets | -0.0636% | 4,562 |
| Return on Equity (ROE) | -0.5300% | 4,572 |
| Retained earnings to average equity (ytd only) | -0.5300% | 4,243 |
| Net charge-offs to loans | -0.0288% | 4,023 |
| Credit loss provision to net charge-offs | -1,017.8808% | 3,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7184% | 275 |
| Assets per employee ($millions) | 7.9076% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9538% | 3,782 |
| Loan loss allowance to noncurrent loans | 321.2791% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.2569% | 2,028 |
| Noncurrent loans to loans | 0.2969% | 2,273 |
| Net loans and leases to total assets | 85.7216% | 96 |
| Net loans and leases to deposits | 95.1143% | 473 |
| Net loans and leases to core deposits | 105.5496% | 466 |
| Total domestic deposits to total assets | 90.1249% | 1,662 |
| Equity capital to assets | 9.2205% | 2,216 |
| Core capital (leverage) ratio | 9.8899% | 2,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0123% | 3,013 |
| Memoranda: | ||
| Average total assets | $1,229,384,000 | 832 |
| Average earning assets | $1,178,389,667 | 812 |
| Average equity | $113,578,000 | 878 |
| Average total loans | $1,049,602,000 | 641 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6253% | 1,437 |
| Cost of funding earning assets | 0.5255% | 436 |
| Net interest margin | 3.0998% | 2,176 |
| Noninterest income to average assets | 0.4872% | 2,208 |
| Noninterest expense to average assets | 3.4949% | 417 |
| Loan and lease loss provision to assets | 0.2534% | 254 |
| Net operating income to assets | -0.2179% | 4,646 |
| Return on assets (ROA) | -0.2179% | 4,630 |
| Pretax return on assets | -0.2832% | 4,633 |
| Return on Equity (ROE) | -2.3565% | 4,647 |
| Retained earnings to average equity (ytd only) | -2.3565% | 4,274 |
| Net charge-offs to loans | -0.0012% | 3,035 |
| Credit loss provision to net charge-offs | -25,000.0000% | 3,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8581% | 232 |
| Assets per employee ($millions) | 7.2064% | 1,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9868% | 3,777 |
| Loan loss allowance to noncurrent loans | 309.4070% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.2676% | 2,072 |
| Noncurrent loans to loans | 0.3189% | 2,327 |
| Net loans and leases to total assets | 83.0917% | 119 |
| Net loans and leases to deposits | 91.9309% | 432 |
| Net loans and leases to core deposits | 100.3899% | 498 |
| Total domestic deposits to total assets | 90.3850% | 1,339 |
| Equity capital to assets | 9.0226% | 2,691 |
| Core capital (leverage) ratio | 8.9150% | 3,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9967% | 3,052 |
| Memoranda: | ||
| Average total assets | $1,183,791,500 | 870 |
| Average earning assets | $1,137,244,500 | 847 |
| Average equity | $109,485,500 | 933 |
| Average total loans | $1,002,946,000 | 666 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2407% | 3,375 |
| Cost of funding earning assets | 0.6649% | 387 |
| Net interest margin | 2.5758% | 4,087 |
| Noninterest income to average assets | 0.7512% | 1,591 |
| Noninterest expense to average assets | 3.8630% | 332 |
| Loan and lease loss provision to assets | 0.9980% | 35 |
| Net operating income to assets | -1.2822% | 4,796 |
| Return on assets (ROA) | -1.2822% | 4,799 |
| Pretax return on assets | -1.6418% | 4,805 |
| Return on Equity (ROE) | -11.3872% | 4,811 |
| Retained earnings to average equity (ytd only) | -11.3872% | 4,779 |
| Net charge-offs to loans | 0.1063% | 826 |
| Credit loss provision to net charge-offs | 1,188.6686% | 473 |
| Earnings coverage of net charge-offs (x) | -7.6686% | 2,680 |
| Efficiency ratio | 120.0007% | 66 |
| Assets per employee ($millions) | 7.1859% | 1,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9250% | 4,002 |
| Loan loss allowance to noncurrent loans | 296.4286% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.2670% | 2,212 |
| Noncurrent loans to loans | 0.3121% | 2,471 |
| Net loans and leases to total assets | 84.7623% | 85 |
| Net loans and leases to deposits | 94.8073% | 354 |
| Net loans and leases to core deposits | 109.2984% | 296 |
| Total domestic deposits to total assets | 89.4049% | 1,294 |
| Equity capital to assets | 9.4825% | 3,163 |
| Core capital (leverage) ratio | 10.4421% | 1,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6010% | 2,970 |
| Memoranda: | ||
| Average total assets | $840,882,200 | 1,103 |
| Average earning assets | $805,653,600 | 1,080 |
| Average equity | $94,685,600 | 1,055 |
| Average total loans | $663,903,600 | 918 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2055% | 3,595 |
| Cost of funding earning assets | 0.7084% | 367 |
| Net interest margin | 2.4971% | 4,281 |
| Noninterest income to average assets | 0.9430% | 1,166 |
| Noninterest expense to average assets | 4.0748% | 271 |
| Loan and lease loss provision to assets | 0.8672% | 49 |
| Net operating income to assets | -1.2576% | 4,874 |
| Return on assets (ROA) | -1.2576% | 4,874 |
| Pretax return on assets | -1.6095% | 4,879 |
| Return on Equity (ROE) | -10.5315% | 4,883 |
| Retained earnings to average equity (ytd only) | -10.5315% | 4,851 |
| Net charge-offs to loans | 0.1627% | 518 |
| Credit loss provision to net charge-offs | 697.1791% | 643 |
| Earnings coverage of net charge-offs (x) | -5.9690% | 2,433 |
| Efficiency ratio | 122.2772% | 68 |
| Assets per employee ($millions) | 6.3796% | 2,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8683% | 4,233 |
| Loan loss allowance to noncurrent loans | 151.3663% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.3776% | 1,936 |
| Noncurrent loans to loans | 0.5736% | 1,872 |
| Net loans and leases to total assets | 65.2518% | 1,628 |
| Net loans and leases to deposits | 73.8698% | 1,868 |
| Net loans and leases to core deposits | 82.0839% | 1,565 |
| Total domestic deposits to total assets | 88.3335% | 1,651 |
| Equity capital to assets | 10.1124% | 2,795 |
| Core capital (leverage) ratio | 12.1089% | 1,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5659% | 1,461 |
| Memoranda: | ||
| Average total assets | $760,072,250 | 1,221 |
| Average earning assets | $727,268,750 | 1,194 |
| Average equity | $90,760,000 | 1,108 |
| Average total loans | $580,892,000 | 1,060 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4349% | 3,070 |
| Cost of funding earning assets | 0.7613% | 349 |
| Net interest margin | 2.6736% | 4,032 |
| Noninterest income to average assets | 1.2125% | 791 |
| Noninterest expense to average assets | 4.4293% | 227 |
| Loan and lease loss provision to assets | 0.9719% | 40 |
| Net operating income to assets | -1.2716% | 4,908 |
| Return on assets (ROA) | -1.2716% | 4,908 |
| Pretax return on assets | -1.6258% | 4,912 |
| Return on Equity (ROE) | -9.8970% | 4,915 |
| Retained earnings to average equity (ytd only) | -9.8970% | 4,872 |
| Net charge-offs to loans | 0.2563% | 348 |
| Credit loss provision to net charge-offs | 464.3159% | 707 |
| Earnings coverage of net charge-offs (x) | -3.1241% | 2,222 |
| Efficiency ratio | 117.3209% | 81 |
| Assets per employee ($millions) | 4.7955% | 3,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7854% | 4,384 |
| Loan loss allowance to noncurrent loans | 121.7713% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.4571% | 1,818 |
| Noncurrent loans to loans | 0.6450% | 1,802 |
| Net loans and leases to total assets | 70.3192% | 1,155 |
| Net loans and leases to deposits | 83.0216% | 1,124 |
| Net loans and leases to core deposits | 99.5610% | 673 |
| Total domestic deposits to total assets | 84.6998% | 3,219 |
| Equity capital to assets | 14.2000% | 678 |
| Core capital (leverage) ratio | 15.5978% | 415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2258% | 332 |
| Memoranda: | ||
| Average total assets | $677,437,667 | 1,328 |
| Average earning assets | $649,384,667 | 1,304 |
| Average equity | $87,036,333 | 1,141 |
| Average total loans | $553,361,667 | 1,106 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7306% | 2,288 |
| Cost of funding earning assets | 0.8080% | 335 |
| Net interest margin | 2.9225% | 3,461 |
| Noninterest income to average assets | 1.6417% | 523 |
| Noninterest expense to average assets | 4.5441% | 206 |
| Loan and lease loss provision to assets | 1.7703% | 17 |
| Net operating income to assets | -1.4518% | 4,941 |
| Return on assets (ROA) | -1.4518% | 4,940 |
| Pretax return on assets | -1.8525% | 4,948 |
| Return on Equity (ROE) | -12.0225% | 4,946 |
| Retained earnings to average equity (ytd only) | -12.0225% | 4,843 |
| Net charge-offs to loans | 0.4990% | 166 |
| Credit loss provision to net charge-offs | 403.8082% | 652 |
| Earnings coverage of net charge-offs (x) | -0.1876% | 1,895 |
| Efficiency ratio | 101.8431% | 173 |
| Assets per employee ($millions) | 6.0466% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6862% | 4,592 |
| Loan loss allowance to noncurrent loans | 103.1101% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.5631% | 1,684 |
| Noncurrent loans to loans | 0.6655% | 1,911 |
| Net loans and leases to total assets | 83.0933% | 183 |
| Net loans and leases to deposits | 101.2829% | 252 |
| Net loans and leases to core deposits | 120.7968% | 231 |
| Total domestic deposits to total assets | 82.0408% | 3,885 |
| Equity capital to assets | 16.6704% | 340 |
| Core capital (leverage) ratio | 17.5826% | 279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $646,899,500 | 1,365 |
| Average earning assets | $624,251,000 | 1,328 |
| Average equity | $78,120,000 | 1,235 |
| Average total loans | $568,328,500 | 1,087 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0942% | 2,437 |
| Cost of funding earning assets | 1.0997% | 402 |
| Net interest margin | 2.9945% | 3,899 |
| Noninterest income to average assets | 0.9967% | 1,044 |
| Noninterest expense to average assets | 2.8570% | 1,797 |
| Loan and lease loss provision to assets | 0.0341% | 3,977 |
| Net operating income to assets | 0.8077% | 3,063 |
| Return on assets (ROA) | 0.8077% | 3,179 |
| Pretax return on assets | 0.9916% | 3,072 |
| Return on Equity (ROE) | 11.5370% | 1,465 |
| Retained earnings to average equity (ytd only) | 11.5370% | 375 |
| Net charge-offs to loans | 0.0309% | 2,416 |
| Credit loss provision to net charge-offs | 120.1087% | 2,633 |
| Earnings coverage of net charge-offs (x) | 36.0054% | 1,466 |
| Efficiency ratio | 73.5835% | 1,496 |
| Assets per employee ($millions) | 7.0200% | 1,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2545% | 4,916 |
| Loan loss allowance to noncurrent loans | 34.2371% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 0.7576% | 1,354 |
| Noncurrent loans to loans | 0.7433% | 1,843 |
| Net loans and leases to total assets | 91.7304% | 14 |
| Net loans and leases to deposits | 104.9208% | 246 |
| Net loans and leases to core deposits | 126.4996% | 233 |
| Total domestic deposits to total assets | 87.4283% | 1,736 |
| Equity capital to assets | 7.5656% | 4,827 |
| Core capital (leverage) ratio | 7.1156% | 4,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6593% | 2,750 |
| Memoranda: | ||
| Average total assets | $645,923,600 | 1,258 |
| Average earning assets | $622,517,400 | 1,224 |
| Average equity | $45,219,600 | 1,844 |
| Average total loans | $594,812,200 | 988 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9990% | 2,978 |
| Cost of funding earning assets | 1.1567% | 426 |
| Net interest margin | 2.8424% | 4,275 |
| Noninterest income to average assets | 0.9858% | 1,045 |
| Noninterest expense to average assets | 2.6967% | 2,267 |
| Loan and lease loss provision to assets | 0.0216% | 4,066 |
| Net operating income to assets | 0.7735% | 3,197 |
| Return on assets (ROA) | 0.7735% | 3,311 |
| Pretax return on assets | 1.0044% | 3,057 |
| Return on Equity (ROE) | 11.2788% | 1,595 |
| Retained earnings to average equity (ytd only) | 11.2788% | 526 |
| Net charge-offs to loans | -0.0288% | 4,518 |
| Credit loss provision to net charge-offs | -82.0313% | 3,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4397% | 1,588 |
| Assets per employee ($millions) | 7.9796% | 1,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2495% | 4,951 |
| Loan loss allowance to noncurrent loans | 42.7650% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 0.6658% | 1,732 |
| Noncurrent loans to loans | 0.5834% | 2,340 |
| Net loans and leases to total assets | 93.8387% | 6 |
| Net loans and leases to deposits | 108.3605% | 261 |
| Net loans and leases to core deposits | 135.6271% | 184 |
| Total domestic deposits to total assets | 86.5986% | 1,816 |
| Equity capital to assets | 6.5267% | 4,988 |
| Core capital (leverage) ratio | 7.1286% | 4,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8655% | 3,101 |
| Memoranda: | ||
| Average total assets | $644,189,000 | 1,249 |
| Average earning assets | $620,267,250 | 1,213 |
| Average equity | $44,176,250 | 1,863 |
| Average total loans | $593,415,000 | 982 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9696% | 3,403 |
| Cost of funding earning assets | 1.2727% | 400 |
| Net interest margin | 2.6969% | 4,556 |
| Noninterest income to average assets | 0.9993% | 985 |
| Noninterest expense to average assets | 2.7505% | 2,213 |
| Loan and lease loss provision to assets | 0.0192% | 3,996 |
| Net operating income to assets | 0.6314% | 3,633 |
| Return on assets (ROA) | 0.6314% | 3,719 |
| Pretax return on assets | 0.8199% | 3,533 |
| Return on Equity (ROE) | 9.0332% | 2,351 |
| Retained earnings to average equity (ytd only) | 9.0332% | 997 |
| Net charge-offs to loans | -0.0492% | 4,677 |
| Credit loss provision to net charge-offs | -42.7536% | 3,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6237% | 1,205 |
| Assets per employee ($millions) | 7.7425% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2586% | 4,974 |
| Loan loss allowance to noncurrent loans | 43.2377% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 0.8195% | 1,513 |
| Noncurrent loans to loans | 0.5982% | 2,353 |
| Net loans and leases to total assets | 92.3906% | 8 |
| Net loans and leases to deposits | 112.8179% | 178 |
| Net loans and leases to core deposits | 136.5247% | 197 |
| Total domestic deposits to total assets | 81.8935% | 3,399 |
| Equity capital to assets | 6.2658% | 5,028 |
| Core capital (leverage) ratio | 7.3162% | 4,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4470% | 3,194 |
| Memoranda: | ||
| Average total assets | $614,212,333 | 1,271 |
| Average earning assets | $589,935,667 | 1,236 |
| Average equity | $42,930,333 | 1,887 |
| Average total loans | $561,016,333 | 1,021 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1085% | 3,502 |
| Cost of funding earning assets | 1.4644% | 305 |
| Net interest margin | 2.6440% | 4,723 |
| Noninterest income to average assets | 0.8899% | 1,089 |
| Noninterest expense to average assets | 2.9693% | 1,959 |
| Loan and lease loss provision to assets | 0.0098% | 3,645 |
| Net operating income to assets | 0.3409% | 4,257 |
| Return on assets (ROA) | 0.3409% | 4,292 |
| Pretax return on assets | 0.4429% | 4,216 |
| Return on Equity (ROE) | 4.5839% | 3,788 |
| Retained earnings to average equity (ytd only) | 4.5839% | 2,466 |
| Net charge-offs to loans | -0.0761% | 4,758 |
| Credit loss provision to net charge-offs | -14.2857% | 3,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7707% | 648 |
| Assets per employee ($millions) | 7.3693% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2642% | 5,011 |
| Loan loss allowance to noncurrent loans | 38.0703% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 0.9163% | 1,460 |
| Noncurrent loans to loans | 0.6941% | 2,259 |
| Net loans and leases to total assets | 91.1663% | 17 |
| Net loans and leases to deposits | 109.1166% | 202 |
| Net loans and leases to core deposits | 135.0575% | 211 |
| Total domestic deposits to total assets | 83.5494% | 2,931 |
| Equity capital to assets | 6.4303% | 5,093 |
| Core capital (leverage) ratio | 8.8823% | 4,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5082% | 3,373 |
| Memoranda: | ||
| Average total assets | $569,032,500 | 1,310 |
| Average earning assets | $544,924,000 | 1,272 |
| Average equity | $42,322,000 | 1,903 |
| Average total loans | $515,201,500 | 1,072 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2932% | 831 |
| Cost of funding earning assets | 2.0266% | 52 |
| Net interest margin | 3.2666% | 4,051 |
| Noninterest income to average assets | 1.4989% | 414 |
| Noninterest expense to average assets | 3.7068% | 760 |
| Loan and lease loss provision to assets | 0.2083% | 964 |
| Net operating income to assets | 0.5237% | 4,349 |
| Return on assets (ROA) | 0.5269% | 4,391 |
| Pretax return on assets | 0.6817% | 4,249 |
| Return on Equity (ROE) | 6.0164% | 3,914 |
| Retained earnings to average equity (ytd only) | -0.3141% | 4,743 |
| Net charge-offs to loans | 0.2543% | 811 |
| Credit loss provision to net charge-offs | 92.6945% | 2,618 |
| Earnings coverage of net charge-offs (x) | 3.9421% | 3,276 |
| Efficiency ratio | 80.7103% | 882 |
| Assets per employee ($millions) | 4.7483% | 2,895 |
| Cash dividends to net income (ytd only)* | 105.2206% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3513% | 5,015 |
| Loan loss allowance to noncurrent loans | 29.1414% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 1.4868% | 683 |
| Noncurrent loans to loans | 1.2055% | 1,245 |
| Net loans and leases to total assets | 89.0138% | 65 |
| Net loans and leases to deposits | 102.5077% | 442 |
| Net loans and leases to core deposits | 121.8248% | 431 |
| Total domestic deposits to total assets | 86.8361% | 1,693 |
| Equity capital to assets | 8.8444% | 4,767 |
| Core capital (leverage) ratio | 8.0046% | 5,035 |
| Tier 1 risk-based capital ratio | 13.5705% | 3,473 |
| Total risk-based capital ratio | 14.0542% | 3,782 |
| Memoranda: | ||
| Average total assets | $469,008,400 | 1,497 |
| Average earning assets | $444,192,800 | 1,472 |
| Average equity | $41,071,200 | 1,885 |
| Average total loans | $414,437,200 | 1,231 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1937% | 1,056 |
| Cost of funding earning assets | 1.9710% | 70 |
| Net interest margin | 3.2227% | 4,248 |
| Noninterest income to average assets | 1.4407% | 437 |
| Noninterest expense to average assets | 3.6712% | 775 |
| Loan and lease loss provision to assets | 0.0482% | 2,929 |
| Net operating income to assets | 0.5926% | 4,315 |
| Return on assets (ROA) | 0.5969% | 4,351 |
| Pretax return on assets | 0.7751% | 4,182 |
| Return on Equity (ROE) | 6.8330% | 3,748 |
| Retained earnings to average equity (ytd only) | -1.6552% | 4,903 |
| Net charge-offs to loans | 0.1107% | 1,361 |
| Credit loss provision to net charge-offs | 49.4152% | 2,796 |
| Earnings coverage of net charge-offs (x) | 8.3859% | 2,659 |
| Efficiency ratio | 81.7812% | 770 |
| Assets per employee ($millions) | 5.9303% | 1,652 |
| Cash dividends to net income (ytd only)* | 124.2235% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2623% | 5,135 |
| Loan loss allowance to noncurrent loans | 24.7342% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 1.3601% | 868 |
| Noncurrent loans to loans | 1.0605% | 1,509 |
| Net loans and leases to total assets | 92.2792% | 16 |
| Net loans and leases to deposits | 113.2322% | 147 |
| Net loans and leases to core deposits | 136.2331% | 226 |
| Total domestic deposits to total assets | 81.4956% | 3,615 |
| Equity capital to assets | 7.2420% | 5,202 |
| Core capital (leverage) ratio | 8.1387% | 5,080 |
| Tier 1 risk-based capital ratio | 11.4510% | 4,689 |
| Total risk-based capital ratio | 11.8363% | 4,977 |
| Memoranda: | ||
| Average total assets | $467,553,000 | 1,510 |
| Average earning assets | $442,272,500 | 1,483 |
| Average equity | $40,840,000 | 1,903 |
| Average total loans | $412,008,000 | 1,248 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1784% | 1,024 |
| Cost of funding earning assets | 1.9086% | 85 |
| Net interest margin | 3.2698% | 4,199 |
| Noninterest income to average assets | 1.3627% | 474 |
| Noninterest expense to average assets | 3.8869% | 607 |
| Loan and lease loss provision to assets | 0.0310% | 3,200 |
| Net operating income to assets | 0.4036% | 4,732 |
| Return on assets (ROA) | 0.4105% | 4,738 |
| Pretax return on assets | 0.5333% | 4,647 |
| Return on Equity (ROE) | 4.3681% | 4,505 |
| Retained earnings to average equity (ytd only) | -8.4502% | 5,146 |
| Net charge-offs to loans | 0.1554% | 1,010 |
| Credit loss provision to net charge-offs | 23.1834% | 2,636 |
| Earnings coverage of net charge-offs (x) | 4.1488% | 2,759 |
| Efficiency ratio | 87.4948% | 463 |
| Assets per employee ($millions) | 4.7218% | 2,844 |
| Cash dividends to net income (ytd only)* | 293.4537% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2878% | 5,179 |
| Loan loss allowance to noncurrent loans | 23.4658% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 1.5523% | 709 |
| Noncurrent loans to loans | 1.2265% | 1,300 |
| Net loans and leases to total assets | 91.4458% | 28 |
| Net loans and leases to deposits | 113.3072% | 158 |
| Net loans and leases to core deposits | 123.0311% | 457 |
| Total domestic deposits to total assets | 80.7061% | 3,892 |
| Equity capital to assets | 7.9167% | 5,194 |
| Core capital (leverage) ratio | 8.7525% | 4,805 |
| Tier 1 risk-based capital ratio | 11.9441% | 4,450 |
| Total risk-based capital ratio | 12.3433% | 4,780 |
| Memoranda: | ||
| Average total assets | $431,657,000 | 1,629 |
| Average earning assets | $406,572,330 | 1,605 |
| Average equity | $40,567,000 | 1,905 |
| Average total loans | $371,936,000 | 1,361 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0147% | 1,305 |
| Cost of funding earning assets | 1.6886% | 166 |
| Net interest margin | 3.3260% | 4,100 |
| Noninterest income to average assets | 1.1587% | 601 |
| Noninterest expense to average assets | 4.0631% | 492 |
| Loan and lease loss provision to assets | 0.0377% | 2,869 |
| Net operating income to assets | 0.1325% | 5,070 |
| Return on assets (ROA) | 0.1325% | 5,076 |
| Pretax return on assets | 0.1712% | 5,054 |
| Return on Equity (ROE) | 1.2788% | 5,051 |
| Retained earnings to average equity (ytd only) | -24.2964% | 5,285 |
| Net charge-offs to loans | -0.0037% | 3,956 |
| Credit loss provision to net charge-offs | -1,233.3333% | 3,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1097% | 247 |
| Assets per employee ($millions) | 4.1033% | 3,771 |
| Cash dividends to net income (ytd only)* | 2,000.0000% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4292% | 5,147 |
| Loan loss allowance to noncurrent loans | 26.8999% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 1.8763% | 550 |
| Noncurrent loans to loans | 1.5955% | 993 |
| Net loans and leases to total assets | 85.7134% | 210 |
| Net loans and leases to deposits | 111.0441% | 192 |
| Net loans and leases to core deposits | 120.7448% | 507 |
| Total domestic deposits to total assets | 77.1886% | 4,636 |
| Equity capital to assets | 9.0925% | 4,623 |
| Core capital (leverage) ratio | 11.2340% | 2,356 |
| Tier 1 risk-based capital ratio | 18.1620% | 1,753 |
| Total risk-based capital ratio | 18.9023% | 1,855 |
| Memoranda: | ||
| Average total assets | $392,506,000 | 1,797 |
| Average earning assets | $367,403,500 | 1,784 |
| Average equity | $40,664,500 | 1,902 |
| Average total loans | $324,063,000 | 1,550 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5240% | 377 |
| Cost of funding earning assets | 1.5672% | 67 |
| Net interest margin | 3.9568% | 2,135 |
| Noninterest income to average assets | 2.0902% | 253 |
| Noninterest expense to average assets | 4.1453% | 435 |
| Loan and lease loss provision to assets | 0.0807% | 2,514 |
| Net operating income to assets | 1.2024% | 2,162 |
| Return on assets (ROA) | 1.2024% | 2,155 |
| Pretax return on assets | 1.5584% | 1,596 |
| Return on Equity (ROE) | 12.9589% | 1,367 |
| Retained earnings to average equity (ytd only) | 9.7458% | 666 |
| Net charge-offs to loans | 0.1621% | 1,186 |
| Credit loss provision to net charge-offs | 57.7049% | 3,126 |
| Earnings coverage of net charge-offs (x) | 11.7164% | 2,607 |
| Efficiency ratio | 71.6636% | 1,950 |
| Assets per employee ($millions) | 3.2413% | 4,789 |
| Cash dividends to net income (ytd only)* | 24.7950% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5725% | 5,018 |
| Loan loss allowance to noncurrent loans | 27.1718% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 2.2722% | 370 |
| Noncurrent loans to loans | 2.1070% | 626 |
| Net loans and leases to total assets | 77.7408% | 1,316 |
| Net loans and leases to deposits | 89.8498% | 1,819 |
| Net loans and leases to core deposits | 110.2970% | 980 |
| Total domestic deposits to total assets | 86.5231% | 2,007 |
| Equity capital to assets | 11.9355% | 1,948 |
| Core capital (leverage) ratio | 11.0895% | 2,449 |
| Tier 1 risk-based capital ratio | 18.8607% | 1,540 |
| Total risk-based capital ratio | 19.5750% | 1,614 |
| Memoranda: | ||
| Average total assets | $436,031,400 | 1,573 |
| Average earning assets | $407,094,600 | 1,562 |
| Average equity | $40,458,600 | 1,836 |
| Average total loans | $376,386,000 | 1,320 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4123% | 435 |
| Cost of funding earning assets | 1.5142% | 63 |
| Net interest margin | 3.8981% | 2,309 |
| Noninterest income to average assets | 2.0554% | 265 |
| Noninterest expense to average assets | 4.0087% | 525 |
| Loan and lease loss provision to assets | 0.1064% | 1,883 |
| Net operating income to assets | 1.2213% | 2,149 |
| Return on assets (ROA) | 1.2213% | 2,149 |
| Pretax return on assets | 1.5809% | 1,633 |
| Return on Equity (ROE) | 13.9251% | 1,141 |
| Retained earnings to average equity (ytd only) | 13.9251% | 259 |
| Net charge-offs to loans | 0.0955% | 1,537 |
| Credit loss provision to net charge-offs | 126.7361% | 1,928 |
| Earnings coverage of net charge-offs (x) | 20.1042% | 1,967 |
| Efficiency ratio | 70.3776% | 2,141 |
| Assets per employee ($millions) | 3.7665% | 4,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5118% | 5,175 |
| Loan loss allowance to noncurrent loans | 33.8434% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 1.8507% | 614 |
| Noncurrent loans to loans | 1.5123% | 1,075 |
| Net loans and leases to total assets | 87.6441% | 158 |
| Net loans and leases to deposits | 109.2317% | 312 |
| Net loans and leases to core deposits | 128.5537% | 361 |
| Total domestic deposits to total assets | 80.2369% | 4,059 |
| Equity capital to assets | 9.9356% | 3,714 |
| Core capital (leverage) ratio | 9.7505% | 3,900 |
| Tier 1 risk-based capital ratio | 14.7639% | 2,986 |
| Total risk-based capital ratio | 15.4384% | 3,189 |
| Memoranda: | ||
| Average total assets | $457,524,750 | 1,531 |
| Average earning assets | $427,309,250 | 1,515 |
| Average equity | $40,128,000 | 1,854 |
| Average total loans | $402,056,250 | 1,252 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2535% | 507 |
| Cost of funding earning assets | 1.4277% | 67 |
| Net interest margin | 3.8258% | 2,477 |
| Noninterest income to average assets | 2.2952% | 231 |
| Noninterest expense to average assets | 3.9406% | 582 |
| Loan and lease loss provision to assets | 0.0831% | 2,252 |
| Net operating income to assets | 1.3779% | 1,511 |
| Return on assets (ROA) | 1.3779% | 1,515 |
| Pretax return on assets | 1.8427% | 886 |
| Return on Equity (ROE) | 16.3610% | 606 |
| Retained earnings to average equity (ytd only) | 16.3610% | 143 |
| Net charge-offs to loans | 0.1286% | 1,150 |
| Credit loss provision to net charge-offs | 73.5849% | 2,318 |
| Earnings coverage of net charge-offs (x) | 17.0566% | 1,973 |
| Efficiency ratio | 67.1726% | 2,786 |
| Assets per employee ($millions) | 3.9383% | 4,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4328% | 5,329 |
| Loan loss allowance to noncurrent loans | 35.5912% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 1.5822% | 817 |
| Noncurrent loans to loans | 1.2160% | 1,427 |
| Net loans and leases to total assets | 86.8788% | 206 |
| Net loans and leases to deposits | 107.2968% | 379 |
| Net loans and leases to core deposits | 132.6007% | 287 |
| Total domestic deposits to total assets | 80.9705% | 4,007 |
| Equity capital to assets | 8.8341% | 4,692 |
| Core capital (leverage) ratio | 8.8587% | 4,833 |
| Tier 1 risk-based capital ratio | 13.6187% | 3,553 |
| Total risk-based capital ratio | 14.2062% | 3,836 |
| Memoranda: | ||
| Average total assets | $469,417,670 | 1,503 |
| Average earning assets | $438,185,330 | 1,496 |
| Average equity | $39,533,000 | 1,882 |
| Average total loans | $412,200,000 | 1,225 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9597% | 763 |
| Cost of funding earning assets | 1.2881% | 88 |
| Net interest margin | 3.6716% | 2,913 |
| Noninterest income to average assets | 2.2359% | 234 |
| Noninterest expense to average assets | 3.6272% | 845 |
| Loan and lease loss provision to assets | 0.1577% | 1,144 |
| Net operating income to assets | 1.4032% | 1,332 |
| Return on assets (ROA) | 1.4032% | 1,337 |
| Pretax return on assets | 1.8730% | 774 |
| Return on Equity (ROE) | 17.0740% | 502 |
| Retained earnings to average equity (ytd only) | 17.0740% | 190 |
| Net charge-offs to loans | 0.0010% | 2,699 |
| Credit loss provision to net charge-offs | 18,600.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 2,395.0000% | 21 |
| Efficiency ratio | 64.1091% | 3,467 |
| Assets per employee ($millions) | 3.7039% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5111% | 5,320 |
| Loan loss allowance to noncurrent loans | 41.1043% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 1.6888% | 763 |
| Noncurrent loans to loans | 1.2434% | 1,463 |
| Net loans and leases to total assets | 88.0333% | 131 |
| Net loans and leases to deposits | 106.5105% | 362 |
| Net loans and leases to core deposits | 174.5631% | 58 |
| Total domestic deposits to total assets | 82.6522% | 3,769 |
| Equity capital to assets | 8.8886% | 4,671 |
| Core capital (leverage) ratio | 8.9048% | 4,798 |
| Tier 1 risk-based capital ratio | 12.5898% | 4,183 |
| Total risk-based capital ratio | 13.2348% | 4,449 |
| Memoranda: | ||
| Average total assets | $471,766,000 | 1,505 |
| Average earning assets | $439,703,000 | 1,497 |
| Average equity | $38,772,500 | 1,924 |
| Average total loans | $415,550,500 | 1,224 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7326% | 1,120 |
| Cost of funding earning assets | 1.0915% | 136 |
| Net interest margin | 3.6411% | 3,021 |
| Noninterest income to average assets | 1.7695% | 356 |
| Noninterest expense to average assets | 3.9831% | 549 |
| Loan and lease loss provision to assets | 0.1399% | 1,632 |
| Net operating income to assets | 0.5697% | 4,145 |
| Return on assets (ROA) | 0.5697% | 4,179 |
| Pretax return on assets | 1.0523% | 3,373 |
| Return on Equity (ROE) | 7.0246% | 3,265 |
| Retained earnings to average equity (ytd only) | 7.0246% | 1,064 |
| Net charge-offs to loans | 0.0241% | 3,328 |
| Credit loss provision to net charge-offs | 663.4409% | 494 |
| Earnings coverage of net charge-offs (x) | 56.5484% | 993 |
| Efficiency ratio | 76.9645% | 1,488 |
| Assets per employee ($millions) | 4.1938% | 3,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4168% | 5,472 |
| Loan loss allowance to noncurrent loans | 37.7144% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 1.5190% | 893 |
| Noncurrent loans to loans | 1.1053% | 1,602 |
| Net loans and leases to total assets | 87.3608% | 166 |
| Net loans and leases to deposits | 111.6401% | 228 |
| Net loans and leases to core deposits | 183.5847% | 50 |
| Total domestic deposits to total assets | 78.2522% | 4,678 |
| Equity capital to assets | 7.6218% | 5,513 |
| Core capital (leverage) ratio | 7.8989% | 5,479 |
| Tier 1 risk-based capital ratio | 11.3177% | 4,968 |
| Total risk-based capital ratio | 11.8673% | 5,229 |
| Memoranda: | ||
| Average total assets | $441,142,000 | 1,574 |
| Average earning assets | $412,625,800 | 1,557 |
| Average equity | $35,774,400 | 2,039 |
| Average total loans | $386,477,400 | 1,270 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5550% | 1,488 |
| Cost of funding earning assets | 1.0325% | 163 |
| Net interest margin | 3.5225% | 3,417 |
| Noninterest income to average assets | 1.8219% | 357 |
| Noninterest expense to average assets | 3.9606% | 545 |
| Loan and lease loss provision to assets | 0.0937% | 2,208 |
| Net operating income to assets | 0.6800% | 4,082 |
| Return on assets (ROA) | 0.6800% | 4,141 |
| Pretax return on assets | 1.0672% | 3,431 |
| Return on Equity (ROE) | 8.2402% | 3,000 |
| Retained earnings to average equity (ytd only) | 8.2402% | 1,113 |
| Net charge-offs to loans | 0.0335% | 2,761 |
| Credit loss provision to net charge-offs | 319.1489% | 939 |
| Earnings coverage of net charge-offs (x) | 39.5213% | 1,312 |
| Efficiency ratio | 77.3324% | 1,418 |
| Assets per employee ($millions) | 4.0376% | 3,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3471% | 5,600 |
| Loan loss allowance to noncurrent loans | 41.9660% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 1.3263% | 1,208 |
| Noncurrent loans to loans | 0.8272% | 2,297 |
| Net loans and leases to total assets | 89.2920% | 105 |
| Net loans and leases to deposits | 114.2598% | 176 |
| Net loans and leases to core deposits | 180.1485% | 52 |
| Total domestic deposits to total assets | 78.1482% | 4,701 |
| Equity capital to assets | 7.7938% | 5,572 |
| Core capital (leverage) ratio | 8.1515% | 5,448 |
| Tier 1 risk-based capital ratio | 11.8008% | 4,768 |
| Total risk-based capital ratio | 12.2814% | 5,117 |
| Memoranda: | ||
| Average total assets | $426,661,000 | 1,626 |
| Average earning assets | $399,668,000 | 1,608 |
| Average equity | $35,208,500 | 2,075 |
| Average total loans | $373,643,500 | 1,315 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3500% | 1,974 |
| Cost of funding earning assets | 0.9505% | 225 |
| Net interest margin | 3.3995% | 3,771 |
| Noninterest income to average assets | 1.6211% | 429 |
| Noninterest expense to average assets | 4.0012% | 527 |
| Loan and lease loss provision to assets | 0.0447% | 3,097 |
| Net operating income to assets | 0.4846% | 4,745 |
| Return on assets (ROA) | 0.4846% | 4,782 |
| Pretax return on assets | 0.7570% | 4,417 |
| Return on Equity (ROE) | 5.7455% | 4,159 |
| Retained earnings to average equity (ytd only) | 5.7455% | 2,265 |
| Net charge-offs to loans | -0.0170% | 4,713 |
| Credit loss provision to net charge-offs | -303.3333% | 4,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3078% | 897 |
| Assets per employee ($millions) | 3.6942% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3711% | 5,626 |
| Loan loss allowance to noncurrent loans | 40.0113% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 1.5852% | 939 |
| Noncurrent loans to loans | 0.9274% | 2,115 |
| Net loans and leases to total assets | 89.0954% | 110 |
| Net loans and leases to deposits | 105.7821% | 405 |
| Net loans and leases to core deposits | 167.1600% | 77 |
| Total domestic deposits to total assets | 84.2254% | 3,117 |
| Equity capital to assets | 8.5381% | 5,277 |
| Core capital (leverage) ratio | 8.9941% | 4,736 |
| Tier 1 risk-based capital ratio | 13.2697% | 3,824 |
| Total risk-based capital ratio | 13.7957% | 4,175 |
| Memoranda: | ||
| Average total assets | $407,376,670 | 1,687 |
| Average earning assets | $381,291,000 | 1,677 |
| Average equity | $34,357,330 | 2,122 |
| Average total loans | $353,478,330 | 1,384 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0830% | 2,711 |
| Cost of funding earning assets | 0.8893% | 300 |
| Net interest margin | 3.1938% | 4,364 |
| Noninterest income to average assets | 1.5826% | 448 |
| Noninterest expense to average assets | 3.9768% | 553 |
| Loan and lease loss provision to assets | 0.0101% | 3,429 |
| Net operating income to assets | 0.3730% | 5,015 |
| Return on assets (ROA) | 0.3730% | 5,038 |
| Pretax return on assets | 0.5827% | 4,771 |
| Return on Equity (ROE) | 4.4522% | 4,619 |
| Retained earnings to average equity (ytd only) | 4.4522% | 3,200 |
| Net charge-offs to loans | -0.0331% | 4,980 |
| Credit loss provision to net charge-offs | -35.7143% | 3,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0285% | 732 |
| Assets per employee ($millions) | 3.2843% | 5,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4427% | 5,651 |
| Loan loss allowance to noncurrent loans | 42.2131% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 1.8173% | 775 |
| Noncurrent loans to loans | 1.0488% | 1,962 |
| Net loans and leases to total assets | 84.8853% | 299 |
| Net loans and leases to deposits | 104.0048% | 401 |
| Net loans and leases to core deposits | 140.8963% | 163 |
| Total domestic deposits to total assets | 81.6167% | 4,273 |
| Equity capital to assets | 9.4272% | 4,365 |
| Core capital (leverage) ratio | 9.3351% | 4,298 |
| Tier 1 risk-based capital ratio | 14.7981% | 3,066 |
| Total risk-based capital ratio | 15.4034% | 3,304 |
| Memoranda: | ||
| Average total assets | $396,803,000 | 1,743 |
| Average earning assets | $371,096,000 | 1,727 |
| Average equity | $33,242,000 | 2,185 |
| Average total loans | $338,609,000 | 1,428 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2517% | 2,308 |
| Cost of funding earning assets | 0.8469% | 398 |
| Net interest margin | 3.4048% | 3,809 |
| Noninterest income to average assets | 1.8636% | 373 |
| Noninterest expense to average assets | 3.6902% | 899 |
| Loan and lease loss provision to assets | 0.0514% | 3,361 |
| Net operating income to assets | 0.8645% | 3,004 |
| Return on assets (ROA) | 0.8720% | 3,078 |
| Pretax return on assets | 1.3522% | 2,093 |
| Return on Equity (ROE) | 12.0016% | 1,248 |
| Retained earnings to average equity (ytd only) | 12.0016% | 218 |
| Net charge-offs to loans | -0.0052% | 4,815 |
| Credit loss provision to net charge-offs | -1,152.6316% | 5,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6123% | 2,488 |
| Assets per employee ($millions) | 4.1406% | 3,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3471% | 5,772 |
| Loan loss allowance to noncurrent loans | 38.1190% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 1.5277% | 1,075 |
| Noncurrent loans to loans | 0.9107% | 2,275 |
| Net loans and leases to total assets | 85.0957% | 295 |
| Net loans and leases to deposits | 104.3805% | 418 |
| Net loans and leases to core deposits | 162.2419% | 79 |
| Total domestic deposits to total assets | 81.5245% | 4,200 |
| Equity capital to assets | 7.5291% | 5,713 |
| Core capital (leverage) ratio | 7.4876% | 5,751 |
| Tier 1 risk-based capital ratio | 12.7520% | 4,234 |
| Total risk-based capital ratio | 13.2602% | 4,604 |
| Memoranda: | ||
| Average total assets | $426,480,000 | 1,595 |
| Average earning assets | $403,131,000 | 1,555 |
| Average equity | $30,987,600 | 2,297 |
| Average total loans | $367,122,400 | 1,282 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1699% | 2,610 |
| Cost of funding earning assets | 0.8011% | 503 |
| Net interest margin | 3.3688% | 3,961 |
| Noninterest income to average assets | 1.8347% | 398 |
| Noninterest expense to average assets | 3.6254% | 960 |
| Loan and lease loss provision to assets | 0.0699% | 2,818 |
| Net operating income to assets | 0.9070% | 2,865 |
| Return on assets (ROA) | 0.9177% | 2,941 |
| Pretax return on assets | 1.3441% | 2,258 |
| Return on Equity (ROE) | 12.7497% | 1,116 |
| Retained earnings to average equity (ytd only) | 12.7497% | 236 |
| Net charge-offs to loans | -0.0007% | 4,426 |
| Credit loss provision to net charge-offs | -11,100.0000% | 5,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1665% | 2,556 |
| Assets per employee ($millions) | 4.4514% | 3,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3112% | 5,850 |
| Loan loss allowance to noncurrent loans | 44.4406% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 1.5248% | 1,168 |
| Noncurrent loans to loans | 0.7002% | 2,936 |
| Net loans and leases to total assets | 88.2179% | 121 |
| Net loans and leases to deposits | 103.1294% | 494 |
| Net loans and leases to core deposits | 162.3808% | 86 |
| Total domestic deposits to total assets | 85.5410% | 2,586 |
| Equity capital to assets | 6.9185% | 5,891 |
| Core capital (leverage) ratio | 7.1618% | 5,863 |
| Tier 1 risk-based capital ratio | 11.8341% | 4,898 |
| Total risk-based capital ratio | 12.3051% | 5,249 |
| Memoranda: | ||
| Average total assets | $423,375,250 | 1,607 |
| Average earning assets | $400,766,000 | 1,565 |
| Average equity | $30,473,250 | 2,334 |
| Average total loans | $365,206,750 | 1,286 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0050% | 3,229 |
| Cost of funding earning assets | 0.7768% | 549 |
| Net interest margin | 3.2282% | 4,452 |
| Noninterest income to average assets | 1.7803% | 406 |
| Noninterest expense to average assets | 3.6853% | 900 |
| Loan and lease loss provision to assets | 0.0440% | 3,270 |
| Net operating income to assets | 0.7416% | 3,594 |
| Return on assets (ROA) | 0.7580% | 3,657 |
| Pretax return on assets | 1.1319% | 3,079 |
| Return on Equity (ROE) | 10.3779% | 1,897 |
| Retained earnings to average equity (ytd only) | 10.3779% | 532 |
| Net charge-offs to loans | -0.0349% | 5,204 |
| Credit loss provision to net charge-offs | -147.5410% | 4,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1938% | 2,054 |
| Assets per employee ($millions) | 4.6577% | 2,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3035% | 5,937 |
| Loan loss allowance to noncurrent loans | 75.1703% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 1.1764% | 1,782 |
| Noncurrent loans to loans | 0.4038% | 3,917 |
| Net loans and leases to total assets | 84.7637% | 362 |
| Net loans and leases to deposits | 91.5869% | 1,568 |
| Net loans and leases to core deposits | 149.3757% | 127 |
| Total domestic deposits to total assets | 92.5500% | 47 |
| Equity capital to assets | 6.5810% | 5,985 |
| Core capital (leverage) ratio | 7.5915% | 5,859 |
| Tier 1 risk-based capital ratio | 11.5135% | 5,141 |
| Total risk-based capital ratio | 11.9650% | 5,495 |
| Memoranda: | ||
| Average total assets | $408,701,670 | 1,656 |
| Average earning assets | $386,968,330 | 1,614 |
| Average equity | $29,852,000 | 2,380 |
| Average total loans | $349,071,000 | 1,338 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9392% | 3,438 |
| Cost of funding earning assets | 0.7566% | 614 |
| Net interest margin | 3.1826% | 4,634 |
| Noninterest income to average assets | 1.8992% | 365 |
| Noninterest expense to average assets | 3.7932% | 784 |
| Loan and lease loss provision to assets | 0.0985% | 2,051 |
| Net operating income to assets | 0.6754% | 3,845 |
| Return on assets (ROA) | 0.6754% | 3,966 |
| Pretax return on assets | 1.0089% | 3,446 |
| Return on Equity (ROE) | 8.7103% | 2,554 |
| Retained earnings to average equity (ytd only) | 8.7103% | 1,195 |
| Net charge-offs to loans | -0.0717% | 5,512 |
| Credit loss provision to net charge-offs | -160.3448% | 4,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4033% | 1,979 |
| Assets per employee ($millions) | 4.0387% | 3,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3813% | 5,960 |
| Loan loss allowance to noncurrent loans | 41.1805% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 1.8667% | 977 |
| Noncurrent loans to loans | 0.9260% | 2,532 |
| Net loans and leases to total assets | 85.3507% | 269 |
| Net loans and leases to deposits | 108.3898% | 269 |
| Net loans and leases to core deposits | 151.8618% | 102 |
| Total domestic deposits to total assets | 78.7443% | 5,023 |
| Equity capital to assets | 7.9823% | 5,833 |
| Core capital (leverage) ratio | 8.8572% | 5,018 |
| Tier 1 risk-based capital ratio | 13.0560% | 4,233 |
| Total risk-based capital ratio | 13.5908% | 4,596 |
| Memoranda: | ||
| Average total assets | $377,837,500 | 1,771 |
| Average earning assets | $356,315,500 | 1,747 |
| Average equity | $29,298,500 | 2,418 |
| Average total loans | $323,622,500 | 1,432 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8825% | 3,768 |
| Cost of funding earning assets | 0.7171% | 754 |
| Net interest margin | 3.1654% | 4,735 |
| Noninterest income to average assets | 2.3425% | 287 |
| Noninterest expense to average assets | 4.3055% | 485 |
| Loan and lease loss provision to assets | 0.0428% | 3,476 |
| Net operating income to assets | 0.7170% | 3,730 |
| Return on assets (ROA) | 0.7194% | 3,820 |
| Pretax return on assets | 0.9803% | 3,542 |
| Return on Equity (ROE) | 8.6377% | 2,652 |
| Retained earnings to average equity (ytd only) | 8.6377% | 745 |
| Net charge-offs to loans | -0.0058% | 4,999 |
| Credit loss provision to net charge-offs | -893.7500% | 5,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8493% | 1,557 |
| Assets per employee ($millions) | 3.9130% | 4,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3232% | 6,043 |
| Loan loss allowance to noncurrent loans | 32.7783% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 1.8408% | 1,023 |
| Noncurrent loans to loans | 0.9860% | 2,365 |
| Net loans and leases to total assets | 85.4925% | 271 |
| Net loans and leases to deposits | 106.9894% | 329 |
| Net loans and leases to core deposits | 113.9030% | 685 |
| Total domestic deposits to total assets | 79.9074% | 4,766 |
| Equity capital to assets | 7.5651% | 5,971 |
| Core capital (leverage) ratio | 9.1670% | 4,669 |
| Tier 1 risk-based capital ratio | 12.9571% | 4,354 |
| Total risk-based capital ratio | 13.4318% | 4,740 |
| Memoranda: | ||
| Average total assets | $333,873,800 | 1,971 |
| Average earning assets | $314,620,000 | 1,926 |
| Average equity | $27,808,200 | 2,474 |
| Average total loans | $278,232,400 | 1,575 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9654% | 3,479 |
| Cost of funding earning assets | 0.7241% | 738 |
| Net interest margin | 3.2413% | 4,551 |
| Noninterest income to average assets | 2.5590% | 258 |
| Noninterest expense to average assets | 4.5357% | 399 |
| Loan and lease loss provision to assets | 0.0697% | 2,781 |
| Net operating income to assets | 0.7556% | 3,656 |
| Return on assets (ROA) | 0.7590% | 3,740 |
| Pretax return on assets | 1.0087% | 3,578 |
| Return on Equity (ROE) | 8.8700% | 2,647 |
| Retained earnings to average equity (ytd only) | 8.8700% | 949 |
| Net charge-offs to loans | -0.0040% | 4,797 |
| Credit loss provision to net charge-offs | -2,100.0000% | 5,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8577% | 1,538 |
| Assets per employee ($millions) | 3.8238% | 4,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3855% | 6,099 |
| Loan loss allowance to noncurrent loans | 32.1046% | 5,397 |
| Noncurrent assets plus other real estate owned to assets | 2.1635% | 889 |
| Noncurrent loans to loans | 1.2009% | 2,127 |
| Net loans and leases to total assets | 82.9278% | 480 |
| Net loans and leases to deposits | 106.2538% | 356 |
| Net loans and leases to core deposits | 114.1656% | 661 |
| Total domestic deposits to total assets | 78.0469% | 5,176 |
| Equity capital to assets | 8.4632% | 5,728 |
| Core capital (leverage) ratio | 8.6846% | 5,368 |
| Tier 1 risk-based capital ratio | 14.4920% | 3,578 |
| Total risk-based capital ratio | 15.0416% | 3,909 |
| Memoranda: | ||
| Average total assets | $321,474,750 | 2,050 |
| Average earning assets | $302,542,750 | 2,022 |
| Average equity | $27,507,750 | 2,516 |
| Average total loans | $265,565,250 | 1,652 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8157% | 4,005 |
| Cost of funding earning assets | 0.7112% | 800 |
| Net interest margin | 3.1045% | 4,960 |
| Noninterest income to average assets | 2.7769% | 235 |
| Noninterest expense to average assets | 4.6918% | 365 |
| Loan and lease loss provision to assets | 0.0550% | 3,012 |
| Net operating income to assets | 0.7579% | 3,606 |
| Return on assets (ROA) | 0.7634% | 3,674 |
| Pretax return on assets | 0.9587% | 3,742 |
| Return on Equity (ROE) | 8.8875% | 2,610 |
| Retained earnings to average equity (ytd only) | 8.8875% | 964 |
| Net charge-offs to loans | -0.0445% | 5,503 |
| Credit loss provision to net charge-offs | -150.0000% | 4,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3334% | 1,442 |
| Assets per employee ($millions) | 4.3989% | 3,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3304% | 6,202 |
| Loan loss allowance to noncurrent loans | 45.4703% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 1.7880% | 1,291 |
| Noncurrent loans to loans | 0.7267% | 3,304 |
| Net loans and leases to total assets | 86.6641% | 204 |
| Net loans and leases to deposits | 110.8618% | 245 |
| Net loans and leases to core deposits | 118.3178% | 515 |
| Total domestic deposits to total assets | 78.1731% | 5,244 |
| Equity capital to assets | 7.6096% | 6,095 |
| Core capital (leverage) ratio | 8.5480% | 5,489 |
| Tier 1 risk-based capital ratio | 13.6395% | 4,138 |
| Total risk-based capital ratio | 14.1518% | 4,490 |
| Memoranda: | ||
| Average total assets | $316,468,330 | 2,094 |
| Average earning assets | $297,822,670 | 2,059 |
| Average equity | $27,184,330 | 2,550 |
| Average total loans | $260,711,330 | 1,681 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5370% | 4,870 |
| Cost of funding earning assets | 0.6852% | 924 |
| Net interest margin | 2.8518% | 5,544 |
| Noninterest income to average assets | 3.0806% | 214 |
| Noninterest expense to average assets | 4.5305% | 421 |
| Loan and lease loss provision to assets | 0.0301% | 3,289 |
| Net operating income to assets | 0.8058% | 3,233 |
| Return on assets (ROA) | 0.8160% | 3,305 |
| Pretax return on assets | 1.2076% | 2,635 |
| Return on Equity (ROE) | 8.8674% | 2,513 |
| Retained earnings to average equity (ytd only) | 8.8674% | 1,245 |
| Net charge-offs to loans | -0.0499% | 5,511 |
| Credit loss provision to net charge-offs | -75.8621% | 4,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7482% | 2,079 |
| Assets per employee ($millions) | 4.2948% | 3,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3542% | 6,262 |
| Loan loss allowance to noncurrent loans | 41.2527% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 2.0585% | 1,140 |
| Noncurrent loans to loans | 0.8586% | 3,097 |
| Net loans and leases to total assets | 82.3148% | 429 |
| Net loans and leases to deposits | 107.7694% | 265 |
| Net loans and leases to core deposits | 117.6289% | 468 |
| Total domestic deposits to total assets | 76.3805% | 5,695 |
| Equity capital to assets | 8.3460% | 5,840 |
| Core capital (leverage) ratio | 10.8165% | 2,606 |
| Tier 1 risk-based capital ratio | 15.7465% | 3,038 |
| Total risk-based capital ratio | 16.2961% | 3,334 |
| Memoranda: | ||
| Average total assets | $292,150,000 | 2,237 |
| Average earning assets | $273,793,500 | 2,220 |
| Average equity | $26,885,000 | 2,592 |
| Average total loans | $232,335,000 | 1,859 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5069% | 5,298 |
| Cost of funding earning assets | 0.7278% | 964 |
| Net interest margin | 2.7791% | 5,842 |
| Noninterest income to average assets | 2.0063% | 337 |
| Noninterest expense to average assets | 4.5803% | 432 |
| Loan and lease loss provision to assets | -0.0491% | 6,032 |
| Net operating income to assets | 0.0408% | 6,040 |
| Return on assets (ROA) | 0.0715% | 6,018 |
| Pretax return on assets | 0.0732% | 6,018 |
| Return on Equity (ROE) | 0.6482% | 6,014 |
| Retained earnings to average equity (ytd only) | 0.6482% | 5,470 |
| Net charge-offs to loans | -0.0475% | 5,918 |
| Credit loss provision to net charge-offs | 145.0000% | 1,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1573% | 358 |
| Assets per employee ($millions) | 3.3492% | 5,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4635% | 6,287 |
| Loan loss allowance to noncurrent loans | 34.6493% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 2.7620% | 788 |
| Noncurrent loans to loans | 1.3377% | 2,196 |
| Net loans and leases to total assets | 75.2753% | 1,369 |
| Net loans and leases to deposits | 100.3655% | 605 |
| Net loans and leases to core deposits | 114.2789% | 591 |
| Total domestic deposits to total assets | 75.0012% | 5,862 |
| Equity capital to assets | 10.2865% | 3,744 |
| Core capital (leverage) ratio | 11.4841% | 1,978 |
| Tier 1 risk-based capital ratio | 19.1000% | 1,814 |
| Total risk-based capital ratio | 19.7475% | 1,963 |
| Memoranda: | ||
| Average total assets | $236,250,600 | 2,648 |
| Average earning assets | $218,199,200 | 2,638 |
| Average equity | $26,070,600 | 2,562 |
| Average total loans | $168,393,800 | 2,335 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4614% | 5,470 |
| Cost of funding earning assets | 0.7304% | 991 |
| Net interest margin | 2.7310% | 5,971 |
| Noninterest income to average assets | 1.9008% | 376 |
| Noninterest expense to average assets | 4.6213% | 410 |
| Loan and lease loss provision to assets | -0.1288% | 6,325 |
| Net operating income to assets | -0.0349% | 6,168 |
| Return on assets (ROA) | -0.0075% | 6,163 |
| Pretax return on assets | -0.0306% | 6,164 |
| Return on Equity (ROE) | -0.0668% | 6,162 |
| Retained earnings to average equity (ytd only) | -0.0668% | 5,806 |
| Net charge-offs to loans | -0.0635% | 6,003 |
| Credit loss provision to net charge-offs | 289.6104% | 935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.5746% | 285 |
| Assets per employee ($millions) | 3.1015% | 5,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4306% | 6,387 |
| Loan loss allowance to noncurrent loans | 22.8621% | 5,894 |
| Noncurrent assets plus other real estate owned to assets | 3.2732% | 679 |
| Noncurrent loans to loans | 1.8835% | 1,697 |
| Net loans and leases to total assets | 74.9296% | 1,374 |
| Net loans and leases to deposits | 95.3398% | 931 |
| Net loans and leases to core deposits | 109.5214% | 765 |
| Total domestic deposits to total assets | 78.5921% | 5,419 |
| Equity capital to assets | 10.7023% | 3,298 |
| Core capital (leverage) ratio | 11.0876% | 2,405 |
| Tier 1 risk-based capital ratio | 20.7763% | 1,499 |
| Total risk-based capital ratio | 21.3992% | 1,601 |
| Memoranda: | ||
| Average total assets | $230,840,250 | 2,708 |
| Average earning assets | $212,855,750 | 2,702 |
| Average equity | $25,956,250 | 2,578 |
| Average total loans | $161,734,000 | 2,427 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2022% | 5,949 |
| Cost of funding earning assets | 0.7181% | 1,097 |
| Net interest margin | 2.4841% | 6,296 |
| Noninterest income to average assets | 1.6019% | 494 |
| Noninterest expense to average assets | 4.5154% | 445 |
| Loan and lease loss provision to assets | -0.0690% | 6,332 |
| Net operating income to assets | -0.3570% | 6,394 |
| Return on assets (ROA) | -0.3282% | 6,392 |
| Pretax return on assets | -0.5139% | 6,424 |
| Return on Equity (ROE) | -2.8685% | 6,374 |
| Retained earnings to average equity (ytd only) | -2.8685% | 6,087 |
| Net charge-offs to loans | 0.1544% | 2,156 |
| Credit loss provision to net charge-offs | -65.5462% | 5,202 |
| Earnings coverage of net charge-offs (x) | -5.9664% | 4,297 |
| Efficiency ratio | 116.1547% | 177 |
| Assets per employee ($millions) | 3.1098% | 5,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4505% | 6,457 |
| Loan loss allowance to noncurrent loans | 20.1628% | 5,993 |
| Noncurrent assets plus other real estate owned to assets | 3.5565% | 642 |
| Noncurrent loans to loans | 2.2344% | 1,466 |
| Net loans and leases to total assets | 70.3939% | 2,020 |
| Net loans and leases to deposits | 96.1180% | 795 |
| Net loans and leases to core deposits | 108.2474% | 758 |
| Total domestic deposits to total assets | 73.2369% | 6,172 |
| Equity capital to assets | 11.0718% | 2,810 |
| Core capital (leverage) ratio | 12.6137% | 1,337 |
| Tier 1 risk-based capital ratio | 22.2721% | 1,222 |
| Total risk-based capital ratio | 22.9055% | 1,297 |
| Memoranda: | ||
| Average total assets | $226,113,000 | 2,763 |
| Average earning assets | $208,042,000 | 2,757 |
| Average equity | $25,867,330 | 2,579 |
| Average total loans | $154,182,670 | 2,515 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0717% | 6,156 |
| Cost of funding earning assets | 0.7195% | 1,124 |
| Net interest margin | 2.3521% | 6,448 |
| Noninterest income to average assets | 1.3156% | 656 |
| Noninterest expense to average assets | 4.3675% | 523 |
| Loan and lease loss provision to assets | -0.1474% | 6,527 |
| Net operating income to assets | -0.4901% | 6,465 |
| Return on assets (ROA) | -0.4296% | 6,447 |
| Pretax return on assets | -0.6506% | 6,496 |
| Return on Equity (ROE) | -3.6926% | 6,433 |
| Retained earnings to average equity (ytd only) | -3.6926% | 6,031 |
| Net charge-offs to loans | -0.1371% | 6,258 |
| Credit loss provision to net charge-offs | 160.7843% | 1,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.5814% | 145 |
| Assets per employee ($millions) | 2.8265% | 6,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6031% | 6,404 |
| Loan loss allowance to noncurrent loans | 25.6417% | 5,961 |
| Noncurrent assets plus other real estate owned to assets | 3.7801% | 656 |
| Noncurrent loans to loans | 2.3519% | 1,497 |
| Net loans and leases to total assets | 68.8387% | 2,080 |
| Net loans and leases to deposits | 98.0081% | 543 |
| Net loans and leases to core deposits | 112.8509% | 498 |
| Total domestic deposits to total assets | 70.2378% | 6,444 |
| Equity capital to assets | 11.8654% | 1,964 |
| Core capital (leverage) ratio | 13.5452% | 958 |
| Tier 1 risk-based capital ratio | 24.1706% | 976 |
| Total risk-based capital ratio | 25.0074% | 1,022 |
| Memoranda: | ||
| Average total assets | $222,553,500 | 2,801 |
| Average earning assets | $204,580,000 | 2,803 |
| Average equity | $25,889,500 | 2,562 |
| Average total loans | $148,812,000 | 2,605 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7908% | 4,846 |
| Cost of funding earning assets | 0.7624% | 1,423 |
| Net interest margin | 3.0285% | 5,509 |
| Noninterest income to average assets | 2.2701% | 331 |
| Noninterest expense to average assets | 4.3359% | 611 |
| Loan and lease loss provision to assets | -0.1016% | 6,486 |
| Net operating income to assets | 0.7506% | 3,550 |
| Return on assets (ROA) | 0.7634% | 3,572 |
| Pretax return on assets | 0.9058% | 3,745 |
| Return on Equity (ROE) | 8.0125% | 3,029 |
| Retained earnings to average equity (ytd only) | 8.0125% | 1,052 |
| Net charge-offs to loans | 0.0869% | 3,985 |
| Credit loss provision to net charge-offs | -157.2254% | 5,956 |
| Earnings coverage of net charge-offs (x) | 12.2023% | 2,154 |
| Efficiency ratio | 84.6070% | 1,562 |
| Assets per employee ($millions) | 3.0739% | 5,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6399% | 6,430 |
| Loan loss allowance to noncurrent loans | 27.3733% | 6,021 |
| Noncurrent assets plus other real estate owned to assets | 3.5663% | 804 |
| Noncurrent loans to loans | 2.3378% | 1,639 |
| Net loans and leases to total assets | 64.1650% | 3,015 |
| Net loans and leases to deposits | 91.1876% | 1,141 |
| Net loans and leases to core deposits | 104.5329% | 876 |
| Total domestic deposits to total assets | 70.3660% | 6,508 |
| Equity capital to assets | 11.4105% | 2,232 |
| Core capital (leverage) ratio | 12.5764% | 1,320 |
| Tier 1 risk-based capital ratio | 24.5948% | 897 |
| Total risk-based capital ratio | 25.4674% | 922 |
| Memoranda: | ||
| Average total assets | $267,605,200 | 2,375 |
| Average earning assets | $252,240,800 | 2,311 |
| Average equity | $25,497,600 | 2,586 |
| Average total loans | $199,062,400 | 2,009 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8764% | 4,591 |
| Cost of funding earning assets | 0.7716% | 1,476 |
| Net interest margin | 3.1048% | 5,306 |
| Noninterest income to average assets | 2.3891% | 316 |
| Noninterest expense to average assets | 4.2721% | 650 |
| Loan and lease loss provision to assets | -0.0202% | 6,489 |
| Net operating income to assets | 0.7394% | 3,649 |
| Return on assets (ROA) | 0.7530% | 3,714 |
| Pretax return on assets | 1.0978% | 3,123 |
| Return on Equity (ROE) | 8.2362% | 3,006 |
| Retained earnings to average equity (ytd only) | 8.2362% | 1,321 |
| Net charge-offs to loans | 0.0465% | 4,245 |
| Credit loss provision to net charge-offs | -56.7568% | 5,728 |
| Earnings coverage of net charge-offs (x) | 29.7715% | 1,240 |
| Efficiency ratio | 80.1514% | 2,072 |
| Assets per employee ($millions) | 2.4510% | 6,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0544% | 5,506 |
| Loan loss allowance to noncurrent loans | 21.1888% | 6,216 |
| Noncurrent assets plus other real estate owned to assets | 5.3000% | 510 |
| Noncurrent loans to loans | 4.9763% | 603 |
| Net loans and leases to total assets | 57.8385% | 4,036 |
| Net loans and leases to deposits | 66.5237% | 4,238 |
| Net loans and leases to core deposits | 77.7668% | 3,388 |
| Total domestic deposits to total assets | 86.9443% | 2,723 |
| Equity capital to assets | 12.4214% | 1,626 |
| Core capital (leverage) ratio | 11.2858% | 2,209 |
| Tier 1 risk-based capital ratio | 28.8340% | 575 |
| Total risk-based capital ratio | 30.0861% | 562 |
| Memoranda: | ||
| Average total assets | $277,640,250 | 2,298 |
| Average earning assets | $262,987,500 | 2,237 |
| Average equity | $25,383,250 | 2,625 |
| Average total loans | $212,104,750 | 1,917 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9156% | 4,419 |
| Cost of funding earning assets | 0.7518% | 1,696 |
| Net interest margin | 3.1638% | 5,072 |
| Noninterest income to average assets | 2.5375% | 312 |
| Noninterest expense to average assets | 4.1803% | 710 |
| Loan and lease loss provision to assets | -0.0279% | 6,610 |
| Net operating income to assets | 0.8973% | 2,811 |
| Return on assets (ROA) | 0.8973% | 2,956 |
| Pretax return on assets | 1.4021% | 1,924 |
| Return on Equity (ROE) | 10.6873% | 1,933 |
| Retained earnings to average equity (ytd only) | 10.6873% | 704 |
| Net charge-offs to loans | 0.0214% | 4,408 |
| Credit loss provision to net charge-offs | -161.5385% | 5,687 |
| Earnings coverage of net charge-offs (x) | 79.6923% | 568 |
| Efficiency ratio | 75.2597% | 2,902 |
| Assets per employee ($millions) | 3.2583% | 5,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5837% | 6,633 |
| Loan loss allowance to noncurrent loans | 22.4591% | 6,249 |
| Noncurrent assets plus other real estate owned to assets | 3.7770% | 972 |
| Noncurrent loans to loans | 2.5990% | 1,772 |
| Net loans and leases to total assets | 76.4911% | 925 |
| Net loans and leases to deposits | 91.9668% | 965 |
| Net loans and leases to core deposits | 106.1612% | 732 |
| Total domestic deposits to total assets | 83.1725% | 4,635 |
| Equity capital to assets | 8.6797% | 5,577 |
| Core capital (leverage) ratio | 10.2676% | 3,141 |
| Tier 1 risk-based capital ratio | 17.6992% | 2,437 |
| Total risk-based capital ratio | 18.6024% | 2,547 |
| Memoranda: | ||
| Average total assets | $301,558,000 | 2,156 |
| Average earning assets | $287,568,330 | 2,078 |
| Average equity | $25,319,670 | 2,647 |
| Average total loans | $242,689,330 | 1,705 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2129% | 3,253 |
| Cost of funding earning assets | 0.7657% | 1,742 |
| Net interest margin | 3.4471% | 3,923 |
| Noninterest income to average assets | 2.5017% | 320 |
| Noninterest expense to average assets | 4.1123% | 784 |
| Loan and lease loss provision to assets | -0.0471% | 6,789 |
| Net operating income to assets | 1.1187% | 1,785 |
| Return on assets (ROA) | 1.1187% | 1,895 |
| Pretax return on assets | 1.7467% | 978 |
| Return on Equity (ROE) | 13.5429% | 1,046 |
| Retained earnings to average equity (ytd only) | 13.5429% | 493 |
| Net charge-offs to loans | -0.0096% | 5,421 |
| Credit loss provision to net charge-offs | 600.0000% | 450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7564% | 3,837 |
| Assets per employee ($millions) | 2.9793% | 6,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7369% | 6,541 |
| Loan loss allowance to noncurrent loans | 21.1719% | 6,318 |
| Noncurrent assets plus other real estate owned to assets | 4.7278% | 789 |
| Noncurrent loans to loans | 3.4806% | 1,383 |
| Net loans and leases to total assets | 72.9309% | 1,216 |
| Net loans and leases to deposits | 83.9260% | 1,607 |
| Net loans and leases to core deposits | 100.7118% | 910 |
| Total domestic deposits to total assets | 86.8990% | 3,022 |
| Equity capital to assets | 10.2568% | 3,851 |
| Core capital (leverage) ratio | 9.0890% | 4,739 |
| Tier 1 risk-based capital ratio | 21.3914% | 1,448 |
| Total risk-based capital ratio | 22.5366% | 1,447 |
| Memoranda: | ||
| Average total assets | $305,714,000 | 2,148 |
| Average earning assets | $293,577,500 | 2,053 |
| Average equity | $25,253,000 | 2,683 |
| Average total loans | $251,222,000 | 1,661 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6935% | 2,628 |
| Cost of funding earning assets | 0.8372% | 2,378 |
| Net interest margin | 3.8564% | 2,997 |
| Noninterest income to average assets | 2.6512% | 293 |
| Noninterest expense to average assets | 4.1789% | 789 |
| Loan and lease loss provision to assets | 0.7068% | 724 |
| Net operating income to assets | 0.9243% | 2,683 |
| Return on assets (ROA) | 0.9243% | 2,928 |
| Pretax return on assets | 1.4625% | 1,810 |
| Return on Equity (ROE) | 12.4937% | 1,361 |
| Retained earnings to average equity (ytd only) | 12.4937% | 285 |
| Net charge-offs to loans | 1.0637% | 1,004 |
| Credit loss provision to net charge-offs | 76.2829% | 3,955 |
| Earnings coverage of net charge-offs (x) | 2.3412% | 4,242 |
| Efficiency ratio | 65.8282% | 4,538 |
| Assets per employee ($millions) | 4.6303% | 2,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4348% | 6,875 |
| Loan loss allowance to noncurrent loans | 20.1748% | 6,384 |
| Noncurrent assets plus other real estate owned to assets | 3.3874% | 1,354 |
| Noncurrent loans to loans | 2.1549% | 2,521 |
| Net loans and leases to total assets | 87.8227% | 86 |
| Net loans and leases to deposits | 102.0600% | 325 |
| Net loans and leases to core deposits | 115.8548% | 364 |
| Total domestic deposits to total assets | 86.0501% | 3,332 |
| Equity capital to assets | 6.8769% | 6,794 |
| Core capital (leverage) ratio | 7.5217% | 6,491 |
| Tier 1 risk-based capital ratio | 13.6159% | 4,660 |
| Total risk-based capital ratio | 14.3870% | 4,958 |
| Memoranda: | ||
| Average total assets | $311,251,400 | 2,067 |
| Average earning assets | $298,390,000 | 1,982 |
| Average equity | $23,027,600 | 2,848 |
| Average total loans | $271,131,800 | 1,532 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7000% | 2,805 |
| Cost of funding earning assets | 0.8607% | 2,456 |
| Net interest margin | 3.8393% | 3,164 |
| Noninterest income to average assets | 2.9176% | 256 |
| Noninterest expense to average assets | 4.5554% | 526 |
| Loan and lease loss provision to assets | 0.9300% | 464 |
| Net operating income to assets | 0.6850% | 3,980 |
| Return on assets (ROA) | 0.6850% | 4,239 |
| Pretax return on assets | 1.1049% | 3,339 |
| Return on Equity (ROE) | 9.0658% | 2,771 |
| Retained earnings to average equity (ytd only) | 9.0658% | 1,206 |
| Net charge-offs to loans | 1.2111% | 801 |
| Credit loss provision to net charge-offs | 88.4926% | 3,346 |
| Earnings coverage of net charge-offs (x) | 1.9363% | 4,294 |
| Efficiency ratio | 69.1224% | 3,860 |
| Assets per employee ($millions) | 3.8425% | 4,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6163% | 6,846 |
| Loan loss allowance to noncurrent loans | 23.4176% | 6,397 |
| Noncurrent assets plus other real estate owned to assets | 3.9243% | 1,236 |
| Noncurrent loans to loans | 2.6319% | 2,158 |
| Net loans and leases to total assets | 87.7354% | 99 |
| Net loans and leases to deposits | 100.6150% | 412 |
| Net loans and leases to core deposits | 115.9510% | 388 |
| Total domestic deposits to total assets | 87.1991% | 2,557 |
| Equity capital to assets | 7.1465% | 6,856 |
| Core capital (leverage) ratio | 7.7449% | 6,497 |
| Tier 1 risk-based capital ratio | 13.8236% | 4,676 |
| Total risk-based capital ratio | 14.8989% | 4,740 |
| Memoranda: | ||
| Average total assets | $298,773,000 | 2,167 |
| Average earning assets | $285,806,250 | 2,095 |
| Average equity | $22,575,250 | 2,926 |
| Average total loans | $259,272,250 | 1,609 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5061% | 3,738 |
| Cost of funding earning assets | 0.8896% | 2,486 |
| Net interest margin | 3.6165% | 4,192 |
| Noninterest income to average assets | 2.3052% | 327 |
| Noninterest expense to average assets | 4.1629% | 771 |
| Loan and lease loss provision to assets | 1.3594% | 285 |
| Net operating income to assets | 0.1464% | 6,053 |
| Return on assets (ROA) | 0.1464% | 6,220 |
| Pretax return on assets | 0.2359% | 6,086 |
| Return on Equity (ROE) | 1.8985% | 6,073 |
| Retained earnings to average equity (ytd only) | 1.8985% | 5,252 |
| Net charge-offs to loans | 1.7315% | 519 |
| Credit loss provision to net charge-offs | 91.0739% | 3,011 |
| Earnings coverage of net charge-offs (x) | 1.0688% | 4,486 |
| Efficiency ratio | 72.2945% | 3,376 |
| Assets per employee ($millions) | 4.3979% | 3,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7232% | 6,797 |
| Loan loss allowance to noncurrent loans | 26.9800% | 6,280 |
| Noncurrent assets plus other real estate owned to assets | 3.9628% | 1,301 |
| Noncurrent loans to loans | 2.6805% | 2,243 |
| Net loans and leases to total assets | 86.1607% | 134 |
| Net loans and leases to deposits | 102.5740% | 316 |
| Net loans and leases to core deposits | 122.0077% | 277 |
| Total domestic deposits to total assets | 83.9986% | 4,318 |
| Equity capital to assets | 7.4301% | 6,817 |
| Core capital (leverage) ratio | 8.9722% | 4,952 |
| Tier 1 risk-based capital ratio | 14.2586% | 4,263 |
| Total risk-based capital ratio | 15.4870% | 4,248 |
| Memoranda: | ||
| Average total assets | $288,212,670 | 2,249 |
| Average earning assets | $275,182,330 | 2,152 |
| Average equity | $22,228,330 | 2,958 |
| Average total loans | $248,455,330 | 1,670 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7349% | 2,913 |
| Cost of funding earning assets | 0.9470% | 2,317 |
| Net interest margin | 3.7880% | 3,446 |
| Noninterest income to average assets | 2.6224% | 285 |
| Noninterest expense to average assets | 4.1996% | 741 |
| Loan and lease loss provision to assets | 0.8826% | 507 |
| Net operating income to assets | 0.7313% | 3,729 |
| Return on assets (ROA) | 0.7313% | 3,964 |
| Pretax return on assets | 1.1556% | 3,089 |
| Return on Equity (ROE) | 9.3017% | 2,681 |
| Retained earnings to average equity (ytd only) | 9.3017% | 1,473 |
| Net charge-offs to loans | 2.3400% | 363 |
| Credit loss provision to net charge-offs | 43.9127% | 3,380 |
| Earnings coverage of net charge-offs (x) | 1.0141% | 3,820 |
| Efficiency ratio | 67.3243% | 4,297 |
| Assets per employee ($millions) | 4.1778% | 3,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5418% | 7,034 |
| Loan loss allowance to noncurrent loans | 16.3014% | 6,653 |
| Noncurrent assets plus other real estate owned to assets | 4.8756% | 1,082 |
| Noncurrent loans to loans | 3.3237% | 1,918 |
| Net loans and leases to total assets | 84.6807% | 168 |
| Net loans and leases to deposits | 101.3279% | 332 |
| Net loans and leases to core deposits | 126.2241% | 232 |
| Total domestic deposits to total assets | 83.5710% | 4,688 |
| Equity capital to assets | 8.1632% | 6,400 |
| Core capital (leverage) ratio | 8.4345% | 5,698 |
| Tier 1 risk-based capital ratio | 15.5712% | 3,402 |
| Total risk-based capital ratio | 16.4677% | 3,571 |
| Memoranda: | ||
| Average total assets | $282,791,500 | 2,297 |
| Average earning assets | $269,908,000 | 2,201 |
| Average equity | $22,232,500 | 2,955 |
| Average total loans | $242,910,500 | 1,702 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3898% | 5,465 |
| Cost of funding earning assets | 1.2634% | 1,661 |
| Net interest margin | 3.1264% | 6,281 |
| Noninterest income to average assets | 1.6515% | 510 |
| Noninterest expense to average assets | 4.3943% | 650 |
| Loan and lease loss provision to assets | 1.0044% | 942 |
| Net operating income to assets | -0.5142% | 6,499 |
| Return on assets (ROA) | -0.3890% | 6,458 |
| Pretax return on assets | -0.6075% | 6,552 |
| Return on Equity (ROE) | -4.3662% | 6,494 |
| Retained earnings to average equity (ytd only) | -4.3662% | 6,400 |
| Net charge-offs to loans | 1.1229% | 1,526 |
| Credit loss provision to net charge-offs | 123.0996% | 2,565 |
| Earnings coverage of net charge-offs (x) | 0.2467% | 5,641 |
| Efficiency ratio | 95.6200% | 841 |
| Assets per employee ($millions) | 4.9126% | 2,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8241% | 6,693 |
| Loan loss allowance to noncurrent loans | 22.8543% | 6,518 |
| Noncurrent assets plus other real estate owned to assets | 5.0848% | 1,043 |
| Noncurrent loans to loans | 3.6060% | 1,769 |
| Net loans and leases to total assets | 85.9021% | 132 |
| Net loans and leases to deposits | 102.1226% | 367 |
| Net loans and leases to core deposits | 129.7124% | 239 |
| Total domestic deposits to total assets | 84.1167% | 4,274 |
| Equity capital to assets | 7.5751% | 6,780 |
| Core capital (leverage) ratio | 8.1964% | 6,009 |
| Tier 1 risk-based capital ratio | 14.3128% | 4,099 |
| Total risk-based capital ratio | 15.5639% | 4,063 |
| Memoranda: | ||
| Average total assets | $249,891,800 | 2,525 |
| Average earning assets | $235,320,800 | 2,446 |
| Average equity | $22,262,000 | 2,865 |
| Average total loans | $181,578,800 | 2,218 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1557% | 6,302 |
| Cost of funding earning assets | 1.3538% | 1,436 |
| Net interest margin | 2.8019% | 6,879 |
| Noninterest income to average assets | 1.5150% | 573 |
| Noninterest expense to average assets | 4.2605% | 748 |
| Loan and lease loss provision to assets | 0.8509% | 1,074 |
| Net operating income to assets | -0.6222% | 6,709 |
| Return on assets (ROA) | -0.4835% | 6,676 |
| Pretax return on assets | -0.7525% | 6,760 |
| Return on Equity (ROE) | -5.1927% | 6,683 |
| Retained earnings to average equity (ytd only) | -5.1927% | 6,605 |
| Net charge-offs to loans | 1.0677% | 1,492 |
| Credit loss provision to net charge-offs | 116.4259% | 2,807 |
| Earnings coverage of net charge-offs (x) | -0.1620% | 5,703 |
| Efficiency ratio | 102.8579% | 582 |
| Assets per employee ($millions) | 4.4068% | 3,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8692% | 6,682 |
| Loan loss allowance to noncurrent loans | 18.3872% | 6,731 |
| Noncurrent assets plus other real estate owned to assets | 6.0400% | 883 |
| Noncurrent loans to loans | 4.7272% | 1,357 |
| Net loans and leases to total assets | 78.2883% | 685 |
| Net loans and leases to deposits | 96.8077% | 653 |
| Net loans and leases to core deposits | 128.4376% | 261 |
| Total domestic deposits to total assets | 80.8700% | 5,474 |
| Equity capital to assets | 8.4242% | 6,373 |
| Core capital (leverage) ratio | 9.8792% | 3,606 |
| Tier 1 risk-based capital ratio | 16.3412% | 2,947 |
| Total risk-based capital ratio | 17.5924% | 2,914 |
| Memoranda: | ||
| Average total assets | $239,903,500 | 2,649 |
| Average earning assets | $224,937,000 | 2,567 |
| Average equity | $22,338,500 | 2,855 |
| Average total loans | $164,210,500 | 2,453 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1445% | 6,395 |
| Cost of funding earning assets | 1.4835% | 1,059 |
| Net interest margin | 2.6610% | 7,066 |
| Noninterest income to average assets | 1.0874% | 1,093 |
| Noninterest expense to average assets | 4.1910% | 844 |
| Loan and lease loss provision to assets | 0.7465% | 1,248 |
| Net operating income to assets | -0.8726% | 6,900 |
| Return on assets (ROA) | -0.8467% | 6,893 |
| Pretax return on assets | -1.3248% | 7,008 |
| Return on Equity (ROE) | -8.7746% | 6,898 |
| Retained earnings to average equity (ytd only) | -8.7746% | 6,816 |
| Net charge-offs to loans | 1.3071% | 1,171 |
| Credit loss provision to net charge-offs | 88.6270% | 3,496 |
| Earnings coverage of net charge-offs (x) | -0.7346% | 5,583 |
| Efficiency ratio | 117.3230% | 371 |
| Assets per employee ($millions) | 3.9523% | 3,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0559% | 6,114 |
| Loan loss allowance to noncurrent loans | 15.0729% | 6,862 |
| Noncurrent assets plus other real estate owned to assets | 7.2825% | 678 |
| Noncurrent loans to loans | 7.0049% | 738 |
| Net loans and leases to total assets | 60.8294% | 4,123 |
| Net loans and leases to deposits | 80.5873% | 2,687 |
| Net loans and leases to core deposits | 113.1202% | 610 |
| Total domestic deposits to total assets | 75.4826% | 6,675 |
| Equity capital to assets | 9.6923% | 4,546 |
| Core capital (leverage) ratio | 10.1064% | 3,138 |
| Tier 1 risk-based capital ratio | 20.4223% | 1,532 |
| Total risk-based capital ratio | 21.5870% | 1,518 |
| Memoranda: | ||
| Average total assets | $231,736,000 | 2,737 |
| Average earning assets | $216,385,000 | 2,687 |
| Average equity | $22,360,000 | 2,832 |
| Average total loans | $149,342,670 | 2,693 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0771% | 6,551 |
| Cost of funding earning assets | 1.5547% | 963 |
| Net interest margin | 2.5224% | 7,178 |
| Noninterest income to average assets | 1.0936% | 1,098 |
| Noninterest expense to average assets | 4.0912% | 929 |
| Loan and lease loss provision to assets | 0.4738% | 1,854 |
| Net operating income to assets | -0.7039% | 6,918 |
| Return on assets (ROA) | -0.7039% | 6,924 |
| Pretax return on assets | -1.1177% | 7,032 |
| Return on Equity (ROE) | -7.3113% | 6,930 |
| Retained earnings to average equity (ytd only) | -7.3113% | 6,700 |
| Net charge-offs to loans | 1.0655% | 1,287 |
| Credit loss provision to net charge-offs | 67.4817% | 3,394 |
| Earnings coverage of net charge-offs (x) | -0.9169% | 4,885 |
| Efficiency ratio | 118.6753% | 361 |
| Assets per employee ($millions) | 4.2154% | 3,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2065% | 5,602 |
| Loan loss allowance to noncurrent loans | 14.6380% | 6,927 |
| Noncurrent assets plus other real estate owned to assets | 7.5385% | 667 |
| Noncurrent loans to loans | 8.2423% | 585 |
| Net loans and leases to total assets | 53.7307% | 5,340 |
| Net loans and leases to deposits | 63.1454% | 5,368 |
| Net loans and leases to core deposits | 89.6338% | 2,387 |
| Total domestic deposits to total assets | 85.0905% | 3,992 |
| Equity capital to assets | 9.9730% | 3,807 |
| Core capital (leverage) ratio | 9.4653% | 3,870 |
| Tier 1 risk-based capital ratio | 22.2303% | 1,188 |
| Total risk-based capital ratio | 23.4814% | 1,161 |
| Memoranda: | ||
| Average total assets | $232,987,500 | 2,749 |
| Average earning assets | $217,409,000 | 2,698 |
| Average equity | $22,431,000 | 2,809 |
| Average total loans | $153,549,500 | 2,655 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1009% | 4,092 |
| Cost of funding earning assets | 1.7458% | 1,396 |
| Net interest margin | 3.3551% | 5,772 |
| Noninterest income to average assets | 2.5974% | 276 |
| Noninterest expense to average assets | 4.4639% | 674 |
| Loan and lease loss provision to assets | 1.0626% | 1,514 |
| Net operating income to assets | 0.1349% | 5,487 |
| Return on assets (ROA) | 0.2084% | 5,415 |
| Pretax return on assets | 0.3167% | 5,184 |
| Return on Equity (ROE) | 2.1631% | 5,324 |
| Retained earnings to average equity (ytd only) | 2.1631% | 4,379 |
| Net charge-offs to loans | 1.4550% | 1,521 |
| Credit loss provision to net charge-offs | 94.8236% | 4,901 |
| Earnings coverage of net charge-offs (x) | 1.1315% | 4,976 |
| Efficiency ratio | 77.8786% | 2,725 |
| Assets per employee ($millions) | 3.7317% | 4,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8616% | 6,820 |
| Loan loss allowance to noncurrent loans | 19.3724% | 6,835 |
| Noncurrent assets plus other real estate owned to assets | 6.2104% | 934 |
| Noncurrent loans to loans | 4.4474% | 1,597 |
| Net loans and leases to total assets | 75.8539% | 1,303 |
| Net loans and leases to deposits | 89.5364% | 1,587 |
| Net loans and leases to core deposits | 136.7096% | 257 |
| Total domestic deposits to total assets | 84.7185% | 3,989 |
| Equity capital to assets | 9.3094% | 4,675 |
| Core capital (leverage) ratio | 8.7849% | 4,879 |
| Tier 1 risk-based capital ratio | 18.2344% | 1,927 |
| Total risk-based capital ratio | 19.4838% | 1,890 |
| Memoranda: | ||
| Average total assets | $232,735,400 | 2,711 |
| Average earning assets | $217,433,000 | 2,660 |
| Average equity | $22,421,800 | 2,828 |
| Average total loans | $179,247,200 | 2,367 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7818% | 5,734 |
| Cost of funding earning assets | 1.7024% | 1,868 |
| Net interest margin | 3.0794% | 6,660 |
| Noninterest income to average assets | 2.3779% | 298 |
| Noninterest expense to average assets | 4.2000% | 828 |
| Loan and lease loss provision to assets | 0.8326% | 1,824 |
| Net operating income to assets | 0.1566% | 5,626 |
| Return on assets (ROA) | 0.2559% | 5,489 |
| Pretax return on assets | 0.3630% | 5,338 |
| Return on Equity (ROE) | 2.6330% | 5,374 |
| Retained earnings to average equity (ytd only) | 2.6330% | 4,572 |
| Net charge-offs to loans | 1.4064% | 1,448 |
| Credit loss provision to net charge-offs | 76.7343% | 5,234 |
| Earnings coverage of net charge-offs (x) | 0.9712% | 5,091 |
| Efficiency ratio | 79.9427% | 2,346 |
| Assets per employee ($millions) | 4.2979% | 3,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6190% | 7,327 |
| Loan loss allowance to noncurrent loans | 13.4243% | 7,109 |
| Noncurrent assets plus other real estate owned to assets | 6.1430% | 964 |
| Noncurrent loans to loans | 4.6111% | 1,546 |
| Net loans and leases to total assets | 79.4873% | 828 |
| Net loans and leases to deposits | 100.6948% | 609 |
| Net loans and leases to core deposits | 152.3772% | 177 |
| Total domestic deposits to total assets | 78.9388% | 6,039 |
| Equity capital to assets | 8.7638% | 5,913 |
| Core capital (leverage) ratio | 9.3344% | 4,155 |
| Tier 1 risk-based capital ratio | 16.6177% | 2,504 |
| Total risk-based capital ratio | 17.5761% | 2,582 |
| Memoranda: | ||
| Average total assets | $230,279,000 | 2,780 |
| Average earning assets | $215,060,500 | 2,724 |
| Average equity | $22,382,000 | 2,878 |
| Average total loans | $177,661,250 | 2,413 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5567% | 6,570 |
| Cost of funding earning assets | 1.7743% | 1,745 |
| Net interest margin | 2.7824% | 7,165 |
| Noninterest income to average assets | 2.2044% | 310 |
| Noninterest expense to average assets | 4.1047% | 919 |
| Loan and lease loss provision to assets | 0.8131% | 1,778 |
| Net operating income to assets | -0.0836% | 6,205 |
| Return on assets (ROA) | 0.0592% | 6,069 |
| Pretax return on assets | 0.0956% | 5,987 |
| Return on Equity (ROE) | 0.5860% | 6,064 |
| Retained earnings to average equity (ytd only) | 0.5860% | 5,525 |
| Net charge-offs to loans | 1.1522% | 1,650 |
| Credit loss provision to net charge-offs | 92.8274% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.7827% | 4,980 |
| Efficiency ratio | 85.6871% | 1,754 |
| Assets per employee ($millions) | 3.8136% | 4,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8809% | 6,822 |
| Loan loss allowance to noncurrent loans | 17.8094% | 7,037 |
| Noncurrent assets plus other real estate owned to assets | 6.3299% | 908 |
| Noncurrent loans to loans | 4.9462% | 1,404 |
| Net loans and leases to total assets | 75.5776% | 1,575 |
| Net loans and leases to deposits | 97.6697% | 908 |
| Net loans and leases to core deposits | 149.6752% | 216 |
| Total domestic deposits to total assets | 77.3808% | 6,416 |
| Equity capital to assets | 9.0900% | 5,308 |
| Core capital (leverage) ratio | 10.5684% | 2,568 |
| Tier 1 risk-based capital ratio | 17.3218% | 2,158 |
| Total risk-based capital ratio | 18.5727% | 2,125 |
| Memoranda: | ||
| Average total assets | $219,649,000 | 2,943 |
| Average earning assets | $204,139,670 | 2,884 |
| Average equity | $22,184,000 | 2,905 |
| Average total loans | $166,985,330 | 2,601 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2922% | 7,143 |
| Cost of funding earning assets | 2.0093% | 1,055 |
| Net interest margin | 2.2829% | 7,603 |
| Noninterest income to average assets | 1.9481% | 352 |
| Noninterest expense to average assets | 4.1960% | 813 |
| Loan and lease loss provision to assets | 1.3137% | 914 |
| Net operating income to assets | -0.9084% | 7,066 |
| Return on assets (ROA) | -0.6169% | 6,939 |
| Pretax return on assets | -0.9945% | 7,046 |
| Return on Equity (ROE) | -5.7611% | 6,924 |
| Retained earnings to average equity (ytd only) | -5.7611% | 6,641 |
| Net charge-offs to loans | 2.2440% | 758 |
| Credit loss provision to net charge-offs | 77.1429% | 3,951 |
| Earnings coverage of net charge-offs (x) | -0.0800% | 5,084 |
| Efficiency ratio | 103.3557% | 741 |
| Assets per employee ($millions) | 3.5234% | 4,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0632% | 6,169 |
| Loan loss allowance to noncurrent loans | 13.3137% | 7,256 |
| Noncurrent assets plus other real estate owned to assets | 8.6564% | 534 |
| Noncurrent loans to loans | 7.9861% | 676 |
| Net loans and leases to total assets | 68.6651% | 3,241 |
| Net loans and leases to deposits | 93.4885% | 1,407 |
| Net loans and leases to core deposits | 149.2092% | 249 |
| Total domestic deposits to total assets | 73.4477% | 7,114 |
| Equity capital to assets | 10.4863% | 3,258 |
| Core capital (leverage) ratio | 11.4049% | 1,964 |
| Tier 1 risk-based capital ratio | 20.3649% | 1,451 |
| Total risk-based capital ratio | 21.6170% | 1,416 |
| Memoranda: | ||
| Average total assets | $205,530,000 | 3,151 |
| Average earning assets | $190,112,500 | 3,117 |
| Average equity | $22,009,500 | 2,945 |
| Average total loans | $155,972,000 | 2,812 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5148% | 4,067 |
| Cost of funding earning assets | 2.9027% | 306 |
| Net interest margin | 2.6122% | 7,322 |
| Noninterest income to average assets | 2.2086% | 327 |
| Noninterest expense to average assets | 4.0822% | 1,254 |
| Loan and lease loss provision to assets | 0.8211% | 2,670 |
| Net operating income to assets | -0.1604% | 5,780 |
| Return on assets (ROA) | -0.1604% | 5,783 |
| Pretax return on assets | -0.2585% | 5,786 |
| Return on Equity (ROE) | -1.5420% | 5,787 |
| Retained earnings to average equity (ytd only) | -1.5420% | 5,399 |
| Net charge-offs to loans | 1.2444% | 1,981 |
| Credit loss provision to net charge-offs | 76.7111% | 6,367 |
| Earnings coverage of net charge-offs (x) | 0.5256% | 5,590 |
| Efficiency ratio | 87.8869% | 1,892 |
| Assets per employee ($millions) | 3.6942% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0342% | 6,198 |
| Loan loss allowance to noncurrent loans | 15.0993% | 7,256 |
| Noncurrent assets plus other real estate owned to assets | 8.5240% | 492 |
| Noncurrent loans to loans | 6.8492% | 839 |
| Net loans and leases to total assets | 81.6690% | 740 |
| Net loans and leases to deposits | 97.6657% | 1,137 |
| Net loans and leases to core deposits | 187.0407% | 132 |
| Total domestic deposits to total assets | 83.6209% | 4,222 |
| Equity capital to assets | 10.9361% | 2,748 |
| Core capital (leverage) ratio | 11.2213% | 2,088 |
| Tier 1 risk-based capital ratio | 19.3738% | 1,576 |
| Total risk-based capital ratio | 20.6285% | 1,538 |
| Memoranda: | ||
| Average total assets | $217,016,000 | 2,983 |
| Average earning assets | $202,400,000 | 2,943 |
| Average equity | $22,567,800 | 2,880 |
| Average total loans | $186,679,400 | 2,440 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5519% | 4,142 |
| Cost of funding earning assets | 3.0536% | 278 |
| Net interest margin | 2.4983% | 7,467 |
| Noninterest income to average assets | 2.1625% | 327 |
| Noninterest expense to average assets | 3.8830% | 1,454 |
| Loan and lease loss provision to assets | 0.6350% | 2,852 |
| Net operating income to assets | -0.0133% | 5,730 |
| Return on assets (ROA) | -0.0133% | 5,792 |
| Pretax return on assets | -0.0212% | 5,739 |
| Return on Equity (ROE) | -0.1295% | 5,799 |
| Retained earnings to average equity (ytd only) | -0.1295% | 5,241 |
| Net charge-offs to loans | 1.1931% | 1,702 |
| Credit loss provision to net charge-offs | 61.2960% | 6,151 |
| Earnings coverage of net charge-offs (x) | 0.5925% | 5,443 |
| Efficiency ratio | 86.3502% | 2,024 |
| Assets per employee ($millions) | 3.4706% | 5,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9808% | 6,393 |
| Loan loss allowance to noncurrent loans | 11.8721% | 7,414 |
| Noncurrent assets plus other real estate owned to assets | 9.7509% | 364 |
| Noncurrent loans to loans | 8.2612% | 577 |
| Net loans and leases to total assets | 85.2587% | 407 |
| Net loans and leases to deposits | 108.4800% | 530 |
| Net loans and leases to core deposits | 183.6178% | 164 |
| Total domestic deposits to total assets | 78.5939% | 5,930 |
| Equity capital to assets | 11.8244% | 2,339 |
| Core capital (leverage) ratio | 11.1943% | 2,267 |
| Tier 1 risk-based capital ratio | 20.6667% | 1,427 |
| Total risk-based capital ratio | 21.9221% | 1,381 |
| Memoranda: | ||
| Average total assets | $220,475,000 | 2,949 |
| Average earning assets | $206,003,000 | 2,908 |
| Average equity | $22,654,750 | 2,893 |
| Average total loans | $191,432,000 | 2,414 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6447% | 3,843 |
| Cost of funding earning assets | 3.1071% | 341 |
| Net interest margin | 2.5376% | 7,430 |
| Noninterest income to average assets | 2.2905% | 297 |
| Noninterest expense to average assets | 3.8092% | 1,644 |
| Loan and lease loss provision to assets | 0.5227% | 2,932 |
| Net operating income to assets | 0.2075% | 5,238 |
| Return on assets (ROA) | 0.2075% | 5,313 |
| Pretax return on assets | 0.3343% | 5,115 |
| Return on Equity (ROE) | 2.1073% | 5,260 |
| Retained earnings to average equity (ytd only) | 2.1073% | 4,173 |
| Net charge-offs to loans | 1.5704% | 1,203 |
| Credit loss provision to net charge-offs | 38.2465% | 5,927 |
| Earnings coverage of net charge-offs (x) | 0.6271% | 5,081 |
| Efficiency ratio | 81.6338% | 2,772 |
| Assets per employee ($millions) | 3.8670% | 3,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7190% | 7,377 |
| Loan loss allowance to noncurrent loans | 10.5140% | 7,485 |
| Noncurrent assets plus other real estate owned to assets | 8.2391% | 452 |
| Noncurrent loans to loans | 6.8389% | 731 |
| Net loans and leases to total assets | 83.0794% | 777 |
| Net loans and leases to deposits | 98.8077% | 1,423 |
| Net loans and leases to core deposits | 180.6489% | 215 |
| Total domestic deposits to total assets | 84.0819% | 3,720 |
| Equity capital to assets | 10.5120% | 3,391 |
| Core capital (leverage) ratio | 9.7857% | 3,537 |
| Tier 1 risk-based capital ratio | 18.5795% | 1,864 |
| Total risk-based capital ratio | 19.6483% | 1,856 |
| Memoranda: | ||
| Average total assets | $230,338,330 | 2,857 |
| Average earning assets | $215,634,000 | 2,804 |
| Average equity | $22,682,670 | 2,890 |
| Average total loans | $200,456,670 | 2,349 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7313% | 3,637 |
| Cost of funding earning assets | 3.0489% | 532 |
| Net interest margin | 2.6823% | 7,245 |
| Noninterest income to average assets | 1.9357% | 386 |
| Noninterest expense to average assets | 3.6454% | 1,764 |
| Loan and lease loss provision to assets | 0.2748% | 3,768 |
| Net operating income to assets | 0.3372% | 5,131 |
| Return on assets (ROA) | 0.3372% | 5,314 |
| Pretax return on assets | 0.5446% | 4,934 |
| Return on Equity (ROE) | 3.5333% | 5,156 |
| Retained earnings to average equity (ytd only) | 3.5333% | 3,929 |
| Net charge-offs to loans | 2.3039% | 630 |
| Credit loss provision to net charge-offs | 13.4711% | 5,160 |
| Earnings coverage of net charge-offs (x) | 0.4017% | 4,665 |
| Efficiency ratio | 81.6465% | 2,587 |
| Assets per employee ($millions) | 4.7095% | 2,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5972% | 7,660 |
| Loan loss allowance to noncurrent loans | 9.6733% | 7,516 |
| Noncurrent assets plus other real estate owned to assets | 7.1391% | 468 |
| Noncurrent loans to loans | 6.1739% | 755 |
| Net loans and leases to total assets | 84.9582% | 553 |
| Net loans and leases to deposits | 100.0986% | 1,397 |
| Net loans and leases to core deposits | 187.4085% | 193 |
| Total domestic deposits to total assets | 84.8745% | 3,266 |
| Equity capital to assets | 9.4786% | 4,698 |
| Core capital (leverage) ratio | 9.7343% | 3,703 |
| Tier 1 risk-based capital ratio | 16.8949% | 2,367 |
| Total risk-based capital ratio | 17.8114% | 2,422 |
| Memoranda: | ||
| Average total assets | $237,231,500 | 2,800 |
| Average earning assets | $223,685,500 | 2,722 |
| Average equity | $22,642,000 | 2,905 |
| Average total loans | $210,078,500 | 2,268 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9108% | 5,985 |
| Cost of funding earning assets | 3.5082% | 504 |
| Net interest margin | 2.4026% | 7,844 |
| Noninterest income to average assets | 1.4326% | 699 |
| Noninterest expense to average assets | 4.1673% | 1,183 |
| Loan and lease loss provision to assets | 1.4630% | 928 |
| Net operating income to assets | -1.1318% | 7,309 |
| Return on assets (ROA) | -1.1173% | 7,240 |
| Pretax return on assets | -1.8919% | 7,404 |
| Return on Equity (ROE) | -10.5832% | 7,317 |
| Retained earnings to average equity (ytd only) | -10.5832% | 7,123 |
| Net charge-offs to loans | 1.4462% | 805 |
| Credit loss provision to net charge-offs | 109.8675% | 4,905 |
| Earnings coverage of net charge-offs (x) | -0.3391% | 6,436 |
| Efficiency ratio | 112.1520% | 671 |
| Assets per employee ($millions) | 4.5054% | 2,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0588% | 5,553 |
| Loan loss allowance to noncurrent loans | 17.1582% | 7,333 |
| Noncurrent assets plus other real estate owned to assets | 6.5046% | 426 |
| Noncurrent loans to loans | 6.1706% | 558 |
| Net loans and leases to total assets | 90.7465% | 145 |
| Net loans and leases to deposits | 121.0685% | 363 |
| Net loans and leases to core deposits | 222.1827% | 107 |
| Total domestic deposits to total assets | 74.9546% | 6,461 |
| Equity capital to assets | 9.6116% | 4,526 |
| Core capital (leverage) ratio | 11.4309% | 2,295 |
| Tier 1 risk-based capital ratio | 16.4684% | 2,498 |
| Total risk-based capital ratio | 17.7234% | 2,426 |
| Memoranda: | ||
| Average total assets | $203,970,400 | 3,087 |
| Average earning assets | $193,832,000 | 2,981 |
| Average equity | $21,534,200 | 3,036 |
| Average total loans | $187,798,600 | 2,421 |