Home > Georgia Community Bank > Performance and Condition Ratios
Georgia Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0472% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 105,535.0000% | 16 |
| Cost of funding earning assets | 250.0000% | 17 |
| Net interest margin | 379.0000% | 4 |
| Noninterest income to average assets | -0.0049% | 4,578 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 1.4794% | 1,028 |
| Pretax return on assets | 1.4794% | 1,473 |
| Return on Equity (ROE) | 13.8100% | 1,524 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0250% | 1,815 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 1.2915% | 2,764 |
| Efficiency ratio | 0.0000% | 4,579 |
| Assets per employee ($millions) | 1.1715% | 4,479 |
| Cash dividends to net income (ytd only)* | 55.0000% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 2.0000% | 144 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 5,032.0000% | 23 |
| Total domestic deposits to total assets | 0.0000% | 4,545 |
| Equity capital to assets | 5,477.0000% | 39 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $29,919,000 | 4,465 |
| Average earning assets | $3,091 | 4,585 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3340% | 1,235 |
| Cost of funding earning assets | 1.1348% | 2,645 |
| Net interest margin | 4.1992% | 924 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.7859% | 1,467 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.4366% | 1,240 |
| Return on assets (ROA) | 1.4366% | 1,223 |
| Pretax return on assets | 1.4366% | 1,698 |
| Return on Equity (ROE) | 13.6900% | 1,737 |
| Retained earnings to average equity (ytd only) | 2.4446% | 3,642 |
| Net charge-offs to loans | 0.1416% | 580 |
| Credit loss provision to net charge-offs | 71.7131% | 1,798 |
| Earnings coverage of net charge-offs (x) | 17.2550% | 1,906 |
| Efficiency ratio | 65.0190% | 2,386 |
| Assets per employee ($millions) | 4.7698% | 3,760 |
| Cash dividends to net income (ytd only)* | 82.1489% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2277% | 2,231 |
| Loan loss allowance to noncurrent loans | 388.7035% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.2631% | 1,950 |
| Noncurrent loans to loans | 0.3158% | 2,102 |
| Net loans and leases to total assets | 65.4800% | 2,296 |
| Net loans and leases to deposits | 73.7979% | 2,587 |
| Net loans and leases to core deposits | 84.1795% | 2,316 |
| Total domestic deposits to total assets | 88.7300% | 1,339 |
| Equity capital to assets | 10.6329% | 1,496 |
| Core capital (leverage) ratio | 12.1895% | 1,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $385,260,750 | 2,057 |
| Average earning assets | $354,245,250 | 2,071 |
| Average equity | $40,414,500 | 1,857 |
| Average total loans | $236,392,250 | 2,072 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1262% | 1,327 |
| Cost of funding earning assets | 1.0691% | 2,381 |
| Net interest margin | 4.0571% | 1,147 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.7926% | 1,429 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.3068% | 1,557 |
| Return on assets (ROA) | 1.3068% | 1,541 |
| Pretax return on assets | 1.3068% | 2,067 |
| Return on Equity (ROE) | 12.5100% | 2,006 |
| Retained earnings to average equity (ytd only) | -0.2654% | 4,134 |
| Net charge-offs to loans | 0.0919% | 714 |
| Credit loss provision to net charge-offs | 84.1121% | 1,535 |
| Earnings coverage of net charge-offs (x) | 24.6355% | 1,644 |
| Efficiency ratio | 67.3641% | 2,063 |
| Assets per employee ($millions) | 4.6439% | 3,867 |
| Cash dividends to net income (ytd only)* | 102.1210% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2968% | 1,943 |
| Loan loss allowance to noncurrent loans | 234.7296% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.3774% | 1,414 |
| Noncurrent loans to loans | 0.5524% | 1,352 |
| Net loans and leases to total assets | 61.6000% | 2,615 |
| Net loans and leases to deposits | 69.3154% | 2,837 |
| Net loans and leases to core deposits | 78.2109% | 2,594 |
| Total domestic deposits to total assets | 88.8800% | 1,298 |
| Equity capital to assets | 10.6390% | 1,532 |
| Core capital (leverage) ratio | 11.8443% | 1,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $389,667,000 | 2,042 |
| Average earning assets | $358,235,667 | 2,053 |
| Average equity | $40,699,667 | 1,852 |
| Average total loans | $232,976,333 | 2,084 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9575% | 1,308 |
| Cost of funding earning assets | 1.0482% | 1,887 |
| Net interest margin | 3.9094% | 1,464 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.7729% | 1,501 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.1510% | 2,063 |
| Return on assets (ROA) | 1.1510% | 2,031 |
| Pretax return on assets | 1.1510% | 2,561 |
| Return on Equity (ROE) | 11.1200% | 2,461 |
| Retained earnings to average equity (ytd only) | 3.1770% | 3,467 |
| Net charge-offs to loans | 0.0035% | 1,879 |
| Credit loss provision to net charge-offs | 4,500.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 612.0000% | 185 |
| Efficiency ratio | 69.0597% | 1,854 |
| Assets per employee ($millions) | 4.7652% | 3,824 |
| Cash dividends to net income (ytd only)* | 71.4286% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3973% | 1,634 |
| Loan loss allowance to noncurrent loans | 272.5406% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.3355% | 1,518 |
| Noncurrent loans to loans | 0.5127% | 1,444 |
| Net loans and leases to total assets | 58.2500% | 2,849 |
| Net loans and leases to deposits | 65.4798% | 2,976 |
| Net loans and leases to core deposits | 73.1066% | 2,744 |
| Total domestic deposits to total assets | 88.9500% | 1,560 |
| Equity capital to assets | 10.6995% | 1,455 |
| Core capital (leverage) ratio | 11.5134% | 1,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $394,101,500 | 2,064 |
| Average earning assets | $361,389,000 | 2,061 |
| Average equity | $40,793,000 | 1,873 |
| Average total loans | $230,629,000 | 2,113 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0835% | 1,510 |
| Cost of funding earning assets | 0.4589% | 1,657 |
| Net interest margin | 3.6246% | 1,575 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.5100% | 2,082 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.2983% | 1,436 |
| Return on assets (ROA) | 1.2983% | 1,398 |
| Pretax return on assets | 1.2983% | 2,093 |
| Return on Equity (ROE) | 12.9500% | 1,828 |
| Retained earnings to average equity (ytd only) | 7.6775% | 1,962 |
| Net charge-offs to loans | -0.1238% | 4,559 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.2182% | 2,334 |
| Assets per employee ($millions) | 4.9052% | 3,742 |
| Cash dividends to net income (ytd only)* | 40.7371% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 1,764 |
| Loan loss allowance to noncurrent loans | 283.3638% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.2720% | 1,798 |
| Noncurrent loans to loans | 0.4690% | 1,528 |
| Net loans and leases to total assets | 57.2200% | 2,894 |
| Net loans and leases to deposits | 63.7550% | 3,060 |
| Net loans and leases to core deposits | 70.8918% | 2,810 |
| Total domestic deposits to total assets | 89.7500% | 1,467 |
| Equity capital to assets | 10.0163% | 1,695 |
| Core capital (leverage) ratio | 11.7938% | 1,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $397,050,000 | 2,038 |
| Average earning assets | $367,653,200 | 2,039 |
| Average equity | $39,791,800 | 1,922 |
| Average total loans | $223,796,200 | 2,085 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9329% | 1,398 |
| Cost of funding earning assets | 0.3337% | 1,825 |
| Net interest margin | 3.5991% | 1,392 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 2.5301% | 1,926 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.2910% | 1,383 |
| Return on assets (ROA) | 1.2910% | 1,351 |
| Pretax return on assets | 1.2910% | 2,072 |
| Return on Equity (ROE) | 12.8800% | 1,740 |
| Retained earnings to average equity (ytd only) | 5.8215% | 2,813 |
| Net charge-offs to loans | -0.2246% | 4,656 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.2930% | 2,371 |
| Assets per employee ($millions) | 4.5417% | 4,021 |
| Cash dividends to net income (ytd only)* | 54.8017% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3701% | 1,715 |
| Loan loss allowance to noncurrent loans | 261.3246% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.3284% | 1,623 |
| Noncurrent loans to loans | 0.5243% | 1,488 |
| Net loans and leases to total assets | 61.7800% | 2,314 |
| Net loans and leases to deposits | 69.0576% | 2,448 |
| Net loans and leases to core deposits | 76.7512% | 2,137 |
| Total domestic deposits to total assets | 89.4600% | 1,887 |
| Equity capital to assets | 10.1209% | 1,558 |
| Core capital (leverage) ratio | 11.3897% | 1,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $395,756,500 | 2,059 |
| Average earning assets | $367,560,750 | 2,053 |
| Average equity | $39,667,750 | 1,954 |
| Average total loans | $221,432,000 | 2,100 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6440% | 1,702 |
| Cost of funding earning assets | 0.3154% | 1,573 |
| Net interest margin | 3.3286% | 1,826 |
| Noninterest income to average assets | 0.4148% | 2,663 |
| Noninterest expense to average assets | 2.4548% | 2,070 |
| Loan and lease loss provision to assets | 0.0595% | 1,527 |
| Net operating income to assets | 0.9967% | 2,167 |
| Return on assets (ROA) | 0.9967% | 2,141 |
| Pretax return on assets | 0.9967% | 2,748 |
| Return on Equity (ROE) | 9.9736% | 2,348 |
| Retained earnings to average equity (ytd only) | 2.1624% | 3,705 |
| Net charge-offs to loans | 0.0212% | 1,307 |
| Credit loss provision to net charge-offs | 521.7391% | 616 |
| Earnings coverage of net charge-offs (x) | 92.6522% | 856 |
| Efficiency ratio | 69.9181% | 1,971 |
| Assets per employee ($millions) | 4.8386% | 3,822 |
| Cash dividends to net income (ytd only)* | 78.3192% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 2,476 |
| Loan loss allowance to noncurrent loans | 130.0660% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.5440% | 1,046 |
| Noncurrent loans to loans | 0.9523% | 876 |
| Net loans and leases to total assets | 56.1483% | 2,739 |
| Net loans and leases to deposits | 63.0019% | 2,804 |
| Net loans and leases to core deposits | 69.7460% | 2,503 |
| Total domestic deposits to total assets | 89.1215% | 2,125 |
| Equity capital to assets | 9.8176% | 1,813 |
| Core capital (leverage) ratio | 10.5184% | 1,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $403,535,667 | 2,040 |
| Average earning assets | $375,356,333 | 2,045 |
| Average equity | $40,326,333 | 1,979 |
| Average total loans | $217,489,333 | 2,126 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4966% | 1,823 |
| Cost of funding earning assets | 0.3217% | 1,447 |
| Net interest margin | 3.1749% | 1,957 |
| Noninterest income to average assets | 0.3293% | 3,132 |
| Noninterest expense to average assets | 2.4176% | 2,105 |
| Loan and lease loss provision to assets | 0.0586% | 1,350 |
| Net operating income to assets | 0.8140% | 2,620 |
| Return on assets (ROA) | 0.8140% | 2,610 |
| Pretax return on assets | 0.8140% | 3,066 |
| Return on Equity (ROE) | 8.0775% | 2,659 |
| Retained earnings to average equity (ytd only) | 2.9866% | 3,268 |
| Net charge-offs to loans | 0.0037% | 1,637 |
| Credit loss provision to net charge-offs | 3,000.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 446.5000% | 231 |
| Efficiency ratio | 73.4779% | 1,799 |
| Assets per employee ($millions) | 5.2630% | 3,534 |
| Cash dividends to net income (ytd only)* | 63.0252% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2714% | 2,491 |
| Loan loss allowance to noncurrent loans | 128.0603% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.5357% | 1,120 |
| Noncurrent loans to loans | 0.9928% | 912 |
| Net loans and leases to total assets | 51.4520% | 3,032 |
| Net loans and leases to deposits | 57.5903% | 3,112 |
| Net loans and leases to core deposits | 63.7536% | 2,816 |
| Total domestic deposits to total assets | 89.3414% | 1,908 |
| Equity capital to assets | 9.6981% | 2,134 |
| Core capital (leverage) ratio | 10.3149% | 2,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $409,338,500 | 2,025 |
| Average earning assets | $381,747,500 | 2,022 |
| Average equity | $41,250,500 | 2,009 |
| Average total loans | $214,823,000 | 2,141 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7753% | 1,926 |
| Cost of funding earning assets | 0.5490% | 714 |
| Net interest margin | 3.2263% | 2,537 |
| Noninterest income to average assets | 0.2360% | 3,966 |
| Noninterest expense to average assets | 2.3331% | 2,705 |
| Loan and lease loss provision to assets | 0.1393% | 868 |
| Net operating income to assets | 0.7849% | 3,379 |
| Return on assets (ROA) | 0.8077% | 3,385 |
| Pretax return on assets | 0.8077% | 3,708 |
| Return on Equity (ROE) | 7.4580% | 3,389 |
| Retained earnings to average equity (ytd only) | 1.3658% | 4,154 |
| Net charge-offs to loans | 0.2999% | 289 |
| Credit loss provision to net charge-offs | 83.8415% | 1,930 |
| Earnings coverage of net charge-offs (x) | 5.5625% | 2,439 |
| Efficiency ratio | 71.6274% | 1,550 |
| Assets per employee ($millions) | 5.1666% | 3,585 |
| Cash dividends to net income (ytd only)* | 81.6870% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2341% | 2,717 |
| Loan loss allowance to noncurrent loans | 123.4121% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.5924% | 1,115 |
| Noncurrent loans to loans | 1.0000% | 986 |
| Net loans and leases to total assets | 52.1964% | 3,037 |
| Net loans and leases to deposits | 58.9311% | 3,177 |
| Net loans and leases to core deposits | 65.3713% | 2,875 |
| Total domestic deposits to total assets | 88.5720% | 1,754 |
| Equity capital to assets | 10.4588% | 2,209 |
| Core capital (leverage) ratio | 10.5896% | 1,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $394,841,800 | 2,010 |
| Average earning assets | $369,747,200 | 2,005 |
| Average equity | $42,759,400 | 1,985 |
| Average total loans | $218,763,600 | 2,110 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8860% | 1,799 |
| Cost of funding earning assets | 0.6069% | 623 |
| Net interest margin | 3.2791% | 2,479 |
| Noninterest income to average assets | 0.2520% | 3,884 |
| Noninterest expense to average assets | 2.3484% | 2,599 |
| Loan and lease loss provision to assets | 0.0340% | 2,323 |
| Net operating income to assets | 0.9461% | 3,096 |
| Return on assets (ROA) | 0.9740% | 3,087 |
| Pretax return on assets | 0.9740% | 3,535 |
| Return on Equity (ROE) | 8.9142% | 3,135 |
| Retained earnings to average equity (ytd only) | 0.7948% | 4,449 |
| Net charge-offs to loans | 0.1883% | 448 |
| Credit loss provision to net charge-offs | 32.2581% | 1,946 |
| Earnings coverage of net charge-offs (x) | 9.2839% | 2,082 |
| Efficiency ratio | 70.5545% | 1,543 |
| Assets per employee ($millions) | 4.9752% | 3,726 |
| Cash dividends to net income (ytd only)* | 91.0839% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1400% | 3,253 |
| Loan loss allowance to noncurrent loans | 134.3307% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.6165% | 1,233 |
| Noncurrent loans to loans | 0.8487% | 1,346 |
| Net loans and leases to total assets | 56.4598% | 2,676 |
| Net loans and leases to deposits | 64.1592% | 2,834 |
| Net loans and leases to core deposits | 71.9520% | 2,428 |
| Total domestic deposits to total assets | 87.9996% | 1,842 |
| Equity capital to assets | 10.8522% | 2,121 |
| Core capital (leverage) ratio | 10.5937% | 1,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $391,511,250 | 2,038 |
| Average earning assets | $367,331,000 | 2,032 |
| Average equity | $42,777,000 | 2,014 |
| Average total loans | $219,527,250 | 2,136 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9107% | 1,784 |
| Cost of funding earning assets | 0.6595% | 539 |
| Net interest margin | 3.2512% | 2,606 |
| Noninterest income to average assets | 0.2552% | 3,866 |
| Noninterest expense to average assets | 2.3739% | 2,544 |
| Loan and lease loss provision to assets | 0.0512% | 2,011 |
| Net operating income to assets | 0.8941% | 3,238 |
| Return on assets (ROA) | 0.9361% | 3,190 |
| Pretax return on assets | 0.9361% | 3,580 |
| Return on Equity (ROE) | 8.5477% | 3,247 |
| Retained earnings to average equity (ytd only) | -0.2102% | 4,540 |
| Net charge-offs to loans | 0.1487% | 553 |
| Credit loss provision to net charge-offs | 61.7284% | 1,551 |
| Earnings coverage of net charge-offs (x) | 11.4074% | 1,762 |
| Efficiency ratio | 71.5210% | 1,475 |
| Assets per employee ($millions) | 5.1490% | 3,509 |
| Cash dividends to net income (ytd only)* | 102.4590% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2082% | 2,882 |
| Loan loss allowance to noncurrent loans | 103.5988% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 0.8900% | 871 |
| Noncurrent loans to loans | 1.1662% | 1,040 |
| Net loans and leases to total assets | 56.5430% | 2,836 |
| Net loans and leases to deposits | 64.1539% | 2,986 |
| Net loans and leases to core deposits | 73.8195% | 2,425 |
| Total domestic deposits to total assets | 88.1365% | 1,756 |
| Equity capital to assets | 10.8370% | 2,117 |
| Core capital (leverage) ratio | 10.5055% | 1,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $391,002,667 | 2,031 |
| Average earning assets | $368,480,667 | 2,026 |
| Average equity | $42,818,333 | 2,005 |
| Average total loans | $217,880,667 | 2,159 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8278% | 2,019 |
| Cost of funding earning assets | 0.7074% | 530 |
| Net interest margin | 3.1203% | 2,929 |
| Noninterest income to average assets | 0.2896% | 3,675 |
| Noninterest expense to average assets | 2.2823% | 2,847 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9416% | 3,003 |
| Return on assets (ROA) | 1.0081% | 2,874 |
| Pretax return on assets | 1.0081% | 3,347 |
| Return on Equity (ROE) | 9.1578% | 2,980 |
| Retained earnings to average equity (ytd only) | 3.8119% | 3,557 |
| Net charge-offs to loans | 0.0633% | 901 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 27.0588% | 1,135 |
| Efficiency ratio | 70.7937% | 1,624 |
| Assets per employee ($millions) | 5.2486% | 3,383 |
| Cash dividends to net income (ytd only)* | 58.3756% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 2,540 |
| Loan loss allowance to noncurrent loans | 52.3554% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 1.5109% | 420 |
| Noncurrent loans to loans | 2.4387% | 389 |
| Net loans and leases to total assets | 52.9959% | 3,351 |
| Net loans and leases to deposits | 60.1042% | 3,474 |
| Net loans and leases to core deposits | 69.0746% | 2,961 |
| Total domestic deposits to total assets | 88.1733% | 1,751 |
| Equity capital to assets | 10.7442% | 2,044 |
| Core capital (leverage) ratio | 10.7662% | 1,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $390,840,500 | 2,028 |
| Average earning assets | $367,525,500 | 2,012 |
| Average equity | $43,023,500 | 1,983 |
| Average total loans | $214,834,000 | 2,180 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5127% | 1,278 |
| Cost of funding earning assets | 0.9270% | 776 |
| Net interest margin | 3.5856% | 2,190 |
| Noninterest income to average assets | 0.2555% | 3,954 |
| Noninterest expense to average assets | 2.4681% | 2,943 |
| Loan and lease loss provision to assets | 0.1142% | 2,920 |
| Net operating income to assets | 1.0054% | 2,271 |
| Return on assets (ROA) | 1.1607% | 1,802 |
| Pretax return on assets | 1.1607% | 2,474 |
| Return on Equity (ROE) | 9.6446% | 2,146 |
| Retained earnings to average equity (ytd only) | 4.1890% | 2,718 |
| Net charge-offs to loans | 0.1435% | 1,125 |
| Credit loss provision to net charge-offs | 129.0323% | 2,557 |
| Earnings coverage of net charge-offs (x) | 12.6516% | 2,321 |
| Efficiency ratio | 68.7938% | 2,125 |
| Assets per employee ($millions) | 5.0367% | 3,356 |
| Cash dividends to net income (ytd only)* | 56.5667% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2842% | 2,491 |
| Loan loss allowance to noncurrent loans | 52.0496% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 1.5552% | 457 |
| Noncurrent loans to loans | 2.4673% | 412 |
| Net loans and leases to total assets | 55.5841% | 3,339 |
| Net loans and leases to deposits | 63.4127% | 3,483 |
| Net loans and leases to core deposits | 73.0973% | 2,990 |
| Total domestic deposits to total assets | 87.6545% | 1,631 |
| Equity capital to assets | 11.2828% | 2,032 |
| Core capital (leverage) ratio | 11.2037% | 1,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $350,313,800 | 2,049 |
| Average earning assets | $325,551,400 | 2,050 |
| Average equity | $42,158,200 | 1,940 |
| Average total loans | $216,080,000 | 2,131 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6669% | 1,142 |
| Cost of funding earning assets | 0.9500% | 908 |
| Net interest margin | 3.7170% | 1,887 |
| Noninterest income to average assets | 0.3125% | 3,615 |
| Noninterest expense to average assets | 2.4905% | 2,879 |
| Loan and lease loss provision to assets | 0.0780% | 3,343 |
| Net operating income to assets | 1.2001% | 1,631 |
| Return on assets (ROA) | 1.3945% | 1,212 |
| Pretax return on assets | 1.3945% | 1,757 |
| Return on Equity (ROE) | 11.3886% | 1,563 |
| Retained earnings to average equity (ytd only) | 4.0699% | 3,011 |
| Net charge-offs to loans | 0.1677% | 877 |
| Credit loss provision to net charge-offs | 73.5294% | 2,793 |
| Earnings coverage of net charge-offs (x) | 12.0588% | 2,267 |
| Efficiency ratio | 66.0877% | 2,459 |
| Assets per employee ($millions) | 4.5293% | 3,812 |
| Cash dividends to net income (ytd only)* | 64.2638% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1384% | 2,990 |
| Loan loss allowance to noncurrent loans | 43.0530% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 1.8518% | 400 |
| Noncurrent loans to loans | 2.6441% | 389 |
| Net loans and leases to total assets | 62.4606% | 2,952 |
| Net loans and leases to deposits | 71.8728% | 3,142 |
| Net loans and leases to core deposits | 83.4231% | 2,531 |
| Total domestic deposits to total assets | 86.9044% | 1,712 |
| Equity capital to assets | 11.7982% | 1,803 |
| Core capital (leverage) ratio | 11.5296% | 1,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $342,195,750 | 2,065 |
| Average earning assets | $318,174,000 | 2,064 |
| Average equity | $41,900,500 | 1,936 |
| Average total loans | $216,216,000 | 2,127 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6876% | 1,438 |
| Cost of funding earning assets | 0.9853% | 1,031 |
| Net interest margin | 3.7023% | 2,149 |
| Noninterest income to average assets | 0.3350% | 3,464 |
| Noninterest expense to average assets | 2.4854% | 3,003 |
| Loan and lease loss provision to assets | 0.1192% | 2,827 |
| Net operating income to assets | 1.1464% | 1,813 |
| Return on assets (ROA) | 1.3151% | 1,429 |
| Pretax return on assets | 1.3151% | 1,985 |
| Return on Equity (ROE) | 10.6014% | 1,776 |
| Retained earnings to average equity (ytd only) | 2.3115% | 3,634 |
| Net charge-offs to loans | 0.1227% | 1,110 |
| Credit loss provision to net charge-offs | 153.8462% | 2,109 |
| Earnings coverage of net charge-offs (x) | 16.3308% | 1,866 |
| Efficiency ratio | 66.2587% | 2,479 |
| Assets per employee ($millions) | 4.4457% | 3,859 |
| Cash dividends to net income (ytd only)* | 78.1958% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2194% | 2,419 |
| Loan loss allowance to noncurrent loans | 32.5515% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 2.6652% | 199 |
| Noncurrent loans to loans | 3.7459% | 196 |
| Net loans and leases to total assets | 64.1987% | 2,854 |
| Net loans and leases to deposits | 74.2856% | 3,051 |
| Net loans and leases to core deposits | 84.3610% | 2,586 |
| Total domestic deposits to total assets | 86.4215% | 1,838 |
| Equity capital to assets | 12.1401% | 1,575 |
| Core capital (leverage) ratio | 11.6553% | 1,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $335,480,333 | 2,069 |
| Average earning assets | $309,539,667 | 2,074 |
| Average equity | $41,617,333 | 1,932 |
| Average total loans | $211,979,000 | 2,141 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7913% | 1,447 |
| Cost of funding earning assets | 1.0404% | 1,256 |
| Net interest margin | 3.7508% | 2,138 |
| Noninterest income to average assets | 0.3735% | 3,274 |
| Noninterest expense to average assets | 2.6231% | 2,913 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1824% | 1,578 |
| Return on assets (ROA) | 1.2685% | 1,428 |
| Pretax return on assets | 1.2685% | 1,969 |
| Return on Equity (ROE) | 10.1118% | 1,709 |
| Retained earnings to average equity (ytd only) | 4.5532% | 2,481 |
| Net charge-offs to loans | 0.0857% | 1,191 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 22.1591% | 1,366 |
| Efficiency ratio | 68.9293% | 2,516 |
| Assets per employee ($millions) | 4.2071% | 3,652 |
| Cash dividends to net income (ytd only)* | 54.9713% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 2,247 |
| Loan loss allowance to noncurrent loans | 40.6356% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 2.1109% | 370 |
| Noncurrent loans to loans | 3.1431% | 327 |
| Net loans and leases to total assets | 62.0433% | 3,295 |
| Net loans and leases to deposits | 72.8981% | 3,363 |
| Net loans and leases to core deposits | 82.8354% | 2,951 |
| Total domestic deposits to total assets | 85.1097% | 2,371 |
| Equity capital to assets | 12.6913% | 1,628 |
| Core capital (leverage) ratio | 12.1404% | 1,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $329,840,000 | 2,042 |
| Average earning assets | $301,799,500 | 2,065 |
| Average equity | $41,377,500 | 1,937 |
| Average total loans | $205,286,500 | 2,147 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1766% | 1,051 |
| Cost of funding earning assets | 1.0337% | 1,584 |
| Net interest margin | 4.1430% | 1,444 |
| Noninterest income to average assets | 0.4080% | 3,243 |
| Noninterest expense to average assets | 2.8579% | 2,419 |
| Loan and lease loss provision to assets | 0.1488% | 1,436 |
| Net operating income to assets | 1.2023% | 2,049 |
| Return on assets (ROA) | 1.2023% | 2,149 |
| Pretax return on assets | 1.2023% | 2,840 |
| Return on Equity (ROE) | 10.0007% | 2,299 |
| Retained earnings to average equity (ytd only) | 5.1924% | 2,314 |
| Net charge-offs to loans | 0.2383% | 859 |
| Credit loss provision to net charge-offs | 98.3936% | 2,530 |
| Earnings coverage of net charge-offs (x) | 8.9317% | 2,719 |
| Efficiency ratio | 67.8984% | 2,480 |
| Assets per employee ($millions) | 4.4801% | 3,254 |
| Cash dividends to net income (ytd only)* | 48.0798% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 1,867 |
| Loan loss allowance to noncurrent loans | 50.0187% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 1.7401% | 524 |
| Noncurrent loans to loans | 2.6201% | 400 |
| Net loans and leases to total assets | 60.8288% | 3,521 |
| Net loans and leases to deposits | 72.1858% | 3,510 |
| Net loans and leases to core deposits | 82.0009% | 3,120 |
| Total domestic deposits to total assets | 84.2670% | 2,766 |
| Equity capital to assets | 12.3996% | 1,887 |
| Core capital (leverage) ratio | 12.2224% | 1,641 |
| Tier 1 risk-based capital ratio | 20.5521% | 1,245 |
| Total risk-based capital ratio | 21.8037% | 1,212 |
| Memoranda: | ||
| Average total assets | $329,195,800 | 1,990 |
| Average earning assets | $302,029,600 | 2,009 |
| Average equity | $39,577,200 | 1,952 |
| Average total loans | $208,956,800 | 2,092 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5294% | 561 |
| Cost of funding earning assets | 1.2739% | 850 |
| Net interest margin | 4.2554% | 1,261 |
| Noninterest income to average assets | 0.3478% | 3,645 |
| Noninterest expense to average assets | 2.7191% | 2,813 |
| Loan and lease loss provision to assets | 0.1397% | 1,382 |
| Net operating income to assets | 1.4873% | 1,224 |
| Return on assets (ROA) | 1.4873% | 1,279 |
| Pretax return on assets | 1.4873% | 1,996 |
| Return on Equity (ROE) | 15.2368% | 726 |
| Retained earnings to average equity (ytd only) | 7.1651% | 1,779 |
| Net charge-offs to loans | -0.0040% | 4,153 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5647% | 3,238 |
| Assets per employee ($millions) | 4.9532% | 2,609 |
| Cash dividends to net income (ytd only)* | 52.9750% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1518% | 2,768 |
| Loan loss allowance to noncurrent loans | 60.7806% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 1.5713% | 673 |
| Noncurrent loans to loans | 1.8950% | 745 |
| Net loans and leases to total assets | 79.4066% | 929 |
| Net loans and leases to deposits | 91.7721% | 1,466 |
| Net loans and leases to core deposits | 120.7141% | 513 |
| Total domestic deposits to total assets | 86.5258% | 1,758 |
| Equity capital to assets | 10.0576% | 3,959 |
| Core capital (leverage) ratio | 10.0102% | 3,633 |
| Tier 1 risk-based capital ratio | 14.5438% | 3,054 |
| Total risk-based capital ratio | 15.7947% | 2,981 |
| Memoranda: | ||
| Average total assets | $171,765,500 | 3,126 |
| Average earning assets | $161,389,250 | 3,103 |
| Average equity | $16,766,000 | 3,484 |
| Average total loans | $134,192,000 | 2,813 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4514% | 617 |
| Cost of funding earning assets | 1.2326% | 908 |
| Net interest margin | 4.2188% | 1,316 |
| Noninterest income to average assets | 0.3446% | 3,630 |
| Noninterest expense to average assets | 2.8230% | 2,506 |
| Loan and lease loss provision to assets | 0.1402% | 1,323 |
| Net operating income to assets | 1.3549% | 1,555 |
| Return on assets (ROA) | 1.3549% | 1,624 |
| Pretax return on assets | 1.3549% | 2,368 |
| Return on Equity (ROE) | 14.0243% | 976 |
| Retained earnings to average equity (ytd only) | 3.8688% | 3,311 |
| Net charge-offs to loans | 0.1947% | 852 |
| Credit loss provision to net charge-offs | 93.0233% | 2,102 |
| Earnings coverage of net charge-offs (x) | 9.9225% | 2,305 |
| Efficiency ratio | 65.3773% | 2,910 |
| Assets per employee ($millions) | 6.4388% | 1,269 |
| Cash dividends to net income (ytd only)* | 72.4138% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 3,374 |
| Loan loss allowance to noncurrent loans | 83.9881% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 1.0440% | 1,318 |
| Noncurrent loans to loans | 1.2419% | 1,282 |
| Net loans and leases to total assets | 77.0033% | 1,389 |
| Net loans and leases to deposits | 87.3995% | 2,071 |
| Net loans and leases to core deposits | 113.6526% | 792 |
| Total domestic deposits to total assets | 88.1051% | 1,052 |
| Equity capital to assets | 9.6786% | 4,249 |
| Core capital (leverage) ratio | 9.6593% | 3,970 |
| Tier 1 risk-based capital ratio | 13.7922% | 3,427 |
| Total risk-based capital ratio | 14.9545% | 3,371 |
| Memoranda: | ||
| Average total assets | $171,233,670 | 3,146 |
| Average earning assets | $161,278,670 | 3,118 |
| Average equity | $16,542,670 | 3,512 |
| Average total loans | $132,501,330 | 2,837 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3059% | 749 |
| Cost of funding earning assets | 1.1919% | 924 |
| Net interest margin | 4.1140% | 1,516 |
| Noninterest income to average assets | 0.4096% | 3,120 |
| Noninterest expense to average assets | 2.7612% | 2,699 |
| Loan and lease loss provision to assets | 0.1412% | 1,213 |
| Net operating income to assets | 1.3747% | 1,442 |
| Return on assets (ROA) | 1.3747% | 1,476 |
| Pretax return on assets | 1.3747% | 2,170 |
| Return on Equity (ROE) | 14.2430% | 916 |
| Retained earnings to average equity (ytd only) | 3.8778% | 3,365 |
| Net charge-offs to loans | 0.3417% | 452 |
| Credit loss provision to net charge-offs | 53.5714% | 1,951 |
| Earnings coverage of net charge-offs (x) | 5.7500% | 2,240 |
| Efficiency ratio | 64.5570% | 3,151 |
| Assets per employee ($millions) | 5.7219% | 1,777 |
| Cash dividends to net income (ytd only)* | 72.7740% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0372% | 3,483 |
| Loan loss allowance to noncurrent loans | 87.7486% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 1.0451% | 1,328 |
| Noncurrent loans to loans | 1.1820% | 1,407 |
| Net loans and leases to total assets | 76.0390% | 1,474 |
| Net loans and leases to deposits | 86.1957% | 2,109 |
| Net loans and leases to core deposits | 111.9404% | 834 |
| Total domestic deposits to total assets | 88.2167% | 1,231 |
| Equity capital to assets | 9.6413% | 4,138 |
| Core capital (leverage) ratio | 9.8353% | 3,781 |
| Tier 1 risk-based capital ratio | 13.9156% | 3,383 |
| Total risk-based capital ratio | 15.0636% | 3,357 |
| Memoranda: | ||
| Average total assets | $169,927,000 | 3,193 |
| Average earning assets | $159,745,500 | 3,170 |
| Average equity | $16,401,000 | 3,545 |
| Average total loans | $131,112,500 | 2,892 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4203% | 471 |
| Cost of funding earning assets | 0.9123% | 1,047 |
| Net interest margin | 4.5080% | 751 |
| Noninterest income to average assets | 0.4277% | 3,260 |
| Noninterest expense to average assets | 2.9507% | 2,188 |
| Loan and lease loss provision to assets | 0.1496% | 1,419 |
| Net operating income to assets | 1.5723% | 945 |
| Return on assets (ROA) | 1.5723% | 935 |
| Pretax return on assets | 1.5723% | 1,544 |
| Return on Equity (ROE) | 14.4499% | 948 |
| Retained earnings to average equity (ytd only) | 4.6982% | 2,934 |
| Net charge-offs to loans | 0.1639% | 1,175 |
| Credit loss provision to net charge-offs | 114.2857% | 2,272 |
| Earnings coverage of net charge-offs (x) | 13.1524% | 2,481 |
| Efficiency ratio | 63.1488% | 3,313 |
| Assets per employee ($millions) | 6.0070% | 1,516 |
| Cash dividends to net income (ytd only)* | 67.4861% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0895% | 3,177 |
| Loan loss allowance to noncurrent loans | 74.4625% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 1.1724% | 1,117 |
| Noncurrent loans to loans | 1.4632% | 1,048 |
| Net loans and leases to total assets | 76.6427% | 1,500 |
| Net loans and leases to deposits | 86.8847% | 2,170 |
| Net loans and leases to core deposits | 111.0977% | 934 |
| Total domestic deposits to total assets | 88.2120% | 1,210 |
| Equity capital to assets | 10.7161% | 2,962 |
| Core capital (leverage) ratio | 11.1519% | 2,398 |
| Tier 1 risk-based capital ratio | 15.8311% | 2,480 |
| Total risk-based capital ratio | 17.0666% | 2,410 |
| Memoranda: | ||
| Average total assets | $160,404,400 | 3,274 |
| Average earning assets | $151,042,400 | 3,232 |
| Average equity | $17,453,400 | 3,350 |
| Average total loans | $128,119,200 | 2,899 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4222% | 429 |
| Cost of funding earning assets | 0.8499% | 1,121 |
| Net interest margin | 4.5722% | 633 |
| Noninterest income to average assets | 0.4131% | 3,405 |
| Noninterest expense to average assets | 2.8617% | 2,426 |
| Loan and lease loss provision to assets | 0.1515% | 1,301 |
| Net operating income to assets | 1.7047% | 736 |
| Return on assets (ROA) | 1.7047% | 742 |
| Pretax return on assets | 1.7047% | 1,269 |
| Return on Equity (ROE) | 15.6046% | 766 |
| Retained earnings to average equity (ytd only) | 2.4955% | 4,399 |
| Net charge-offs to loans | 0.2101% | 808 |
| Credit loss provision to net charge-offs | 89.5522% | 2,428 |
| Earnings coverage of net charge-offs (x) | 10.9753% | 2,553 |
| Efficiency ratio | 60.6563% | 3,713 |
| Assets per employee ($millions) | 5.4984% | 1,915 |
| Cash dividends to net income (ytd only)* | 84.0079% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0272% | 3,604 |
| Loan loss allowance to noncurrent loans | 72.8191% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 1.2198% | 1,142 |
| Noncurrent loans to loans | 1.4107% | 1,177 |
| Net loans and leases to total assets | 82.7204% | 598 |
| Net loans and leases to deposits | 94.2372% | 1,358 |
| Net loans and leases to core deposits | 119.6869% | 581 |
| Total domestic deposits to total assets | 87.7789% | 1,345 |
| Equity capital to assets | 10.9242% | 2,727 |
| Core capital (leverage) ratio | 11.2888% | 2,339 |
| Tier 1 risk-based capital ratio | 15.2041% | 2,785 |
| Total risk-based capital ratio | 16.3801% | 2,750 |
| Memoranda: | ||
| Average total assets | $158,456,500 | 3,328 |
| Average earning assets | $149,186,250 | 3,280 |
| Average equity | $17,310,750 | 3,390 |
| Average total loans | $127,566,500 | 2,934 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3497% | 430 |
| Cost of funding earning assets | 0.8001% | 1,125 |
| Net interest margin | 4.5496% | 624 |
| Noninterest income to average assets | 0.3946% | 3,526 |
| Noninterest expense to average assets | 2.8408% | 2,532 |
| Loan and lease loss provision to assets | 0.1518% | 1,250 |
| Net operating income to assets | 1.6885% | 739 |
| Return on assets (ROA) | 1.6885% | 746 |
| Pretax return on assets | 1.6885% | 1,247 |
| Return on Equity (ROE) | 15.4562% | 768 |
| Retained earnings to average equity (ytd only) | 0.4515% | 4,875 |
| Net charge-offs to loans | 0.0859% | 1,478 |
| Credit loss provision to net charge-offs | 222.2222% | 1,215 |
| Earnings coverage of net charge-offs (x) | 26.9444% | 1,584 |
| Efficiency ratio | 60.6863% | 3,817 |
| Assets per employee ($millions) | 5.4071% | 1,986 |
| Cash dividends to net income (ytd only)* | 97.0787% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 3,096 |
| Loan loss allowance to noncurrent loans | 95.9157% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 1.0484% | 1,423 |
| Noncurrent loans to loans | 1.1778% | 1,473 |
| Net loans and leases to total assets | 81.2616% | 816 |
| Net loans and leases to deposits | 92.5541% | 1,516 |
| Net loans and leases to core deposits | 116.6984% | 681 |
| Total domestic deposits to total assets | 87.7989% | 1,472 |
| Equity capital to assets | 10.9549% | 2,677 |
| Core capital (leverage) ratio | 11.1296% | 2,411 |
| Tier 1 risk-based capital ratio | 15.4171% | 2,681 |
| Total risk-based capital ratio | 16.6673% | 2,611 |
| Memoranda: | ||
| Average total assets | $158,124,000 | 3,340 |
| Average earning assets | $148,981,000 | 3,304 |
| Average equity | $17,274,670 | 3,411 |
| Average total loans | $125,665,330 | 2,974 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2790% | 418 |
| Cost of funding earning assets | 0.7752% | 1,073 |
| Net interest margin | 4.5038% | 611 |
| Noninterest income to average assets | 0.4912% | 2,859 |
| Noninterest expense to average assets | 2.8996% | 2,371 |
| Loan and lease loss provision to assets | 0.1511% | 1,199 |
| Net operating income to assets | 1.6702% | 734 |
| Return on assets (ROA) | 1.6702% | 737 |
| Pretax return on assets | 1.6702% | 1,190 |
| Return on Equity (ROE) | 15.3091% | 753 |
| Retained earnings to average equity (ytd only) | 5.6110% | 2,893 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4194% | 3,885 |
| Assets per employee ($millions) | 5.4479% | 1,987 |
| Cash dividends to net income (ytd only)* | 63.3484% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 3,038 |
| Loan loss allowance to noncurrent loans | 139.8649% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.8475% | 1,866 |
| Noncurrent loans to loans | 0.8296% | 2,162 |
| Net loans and leases to total assets | 78.1214% | 1,219 |
| Net loans and leases to deposits | 88.9228% | 1,821 |
| Net loans and leases to core deposits | 109.4903% | 1,031 |
| Total domestic deposits to total assets | 87.8530% | 1,700 |
| Equity capital to assets | 11.0020% | 2,577 |
| Core capital (leverage) ratio | 11.1770% | 2,261 |
| Tier 1 risk-based capital ratio | 15.9034% | 2,518 |
| Total risk-based capital ratio | 17.1546% | 2,455 |
| Memoranda: | ||
| Average total assets | $158,783,000 | 3,376 |
| Average earning assets | $149,119,500 | 3,344 |
| Average equity | $17,323,000 | 3,431 |
| Average total loans | $124,058,500 | 3,014 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2267% | 421 |
| Cost of funding earning assets | 0.7839% | 679 |
| Net interest margin | 4.4428% | 695 |
| Noninterest income to average assets | 0.3424% | 4,018 |
| Noninterest expense to average assets | 2.7176% | 3,072 |
| Loan and lease loss provision to assets | 0.2527% | 732 |
| Net operating income to assets | 1.5357% | 745 |
| Return on assets (ROA) | 1.5357% | 759 |
| Pretax return on assets | 1.5357% | 1,503 |
| Return on Equity (ROE) | 14.6709% | 662 |
| Retained earnings to average equity (ytd only) | 7.2178% | 1,005 |
| Net charge-offs to loans | 0.2250% | 1,154 |
| Credit loss provision to net charge-offs | 145.4545% | 1,827 |
| Earnings coverage of net charge-offs (x) | 10.2945% | 2,694 |
| Efficiency ratio | 60.3112% | 4,214 |
| Assets per employee ($millions) | 5.5026% | 1,933 |
| Cash dividends to net income (ytd only)* | 50.8021% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 3,204 |
| Loan loss allowance to noncurrent loans | 110.3257% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.9080% | 1,710 |
| Noncurrent loans to loans | 1.0216% | 1,739 |
| Net loans and leases to total assets | 76.3617% | 1,530 |
| Net loans and leases to deposits | 86.6771% | 2,176 |
| Net loans and leases to core deposits | 107.3556% | 1,194 |
| Total domestic deposits to total assets | 88.0991% | 1,443 |
| Equity capital to assets | 10.8187% | 2,820 |
| Core capital (leverage) ratio | 10.9294% | 2,399 |
| Tier 1 risk-based capital ratio | 12.5823% | 4,158 |
| Total risk-based capital ratio | 13.5881% | 4,215 |
| Memoranda: | ||
| Average total assets | $158,302,400 | 3,372 |
| Average earning assets | $148,353,600 | 3,343 |
| Average equity | $16,570,200 | 3,530 |
| Average total loans | $122,244,200 | 3,024 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1536% | 456 |
| Cost of funding earning assets | 0.7896% | 613 |
| Net interest margin | 4.3640% | 798 |
| Noninterest income to average assets | 0.4456% | 3,364 |
| Noninterest expense to average assets | 2.7369% | 2,936 |
| Loan and lease loss provision to assets | 0.3038% | 514 |
| Net operating income to assets | 1.4955% | 907 |
| Return on assets (ROA) | 1.4955% | 926 |
| Pretax return on assets | 1.4955% | 1,781 |
| Return on Equity (ROE) | 14.4090% | 752 |
| Retained earnings to average equity (ytd only) | 4.3666% | 3,303 |
| Net charge-offs to loans | 0.1464% | 1,367 |
| Credit loss provision to net charge-offs | 268.6567% | 1,070 |
| Earnings coverage of net charge-offs (x) | 15.9107% | 2,201 |
| Efficiency ratio | 60.3349% | 4,155 |
| Assets per employee ($millions) | 5.3197% | 2,098 |
| Cash dividends to net income (ytd only)* | 69.6954% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 3,091 |
| Loan loss allowance to noncurrent loans | 110.7727% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 1.4047% | 1,104 |
| Noncurrent loans to loans | 1.0562% | 1,829 |
| Net loans and leases to total assets | 81.6428% | 747 |
| Net loans and leases to deposits | 92.9309% | 1,430 |
| Net loans and leases to core deposits | 115.9854% | 750 |
| Total domestic deposits to total assets | 87.8533% | 1,443 |
| Equity capital to assets | 10.8497% | 3,020 |
| Core capital (leverage) ratio | 10.8185% | 2,624 |
| Tier 1 risk-based capital ratio | 15.1702% | 2,852 |
| Total risk-based capital ratio | 16.4209% | 2,782 |
| Memoranda: | ||
| Average total assets | $157,984,000 | 3,399 |
| Average earning assets | $148,086,750 | 3,378 |
| Average equity | $16,396,750 | 3,581 |
| Average total loans | $121,994,250 | 3,051 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0437% | 526 |
| Cost of funding earning assets | 0.7962% | 537 |
| Net interest margin | 4.2475% | 979 |
| Noninterest income to average assets | 0.4384% | 3,434 |
| Noninterest expense to average assets | 2.7132% | 3,047 |
| Loan and lease loss provision to assets | 0.3015% | 507 |
| Net operating income to assets | 1.4043% | 1,057 |
| Return on assets (ROA) | 1.4043% | 1,082 |
| Pretax return on assets | 1.4043% | 2,001 |
| Return on Equity (ROE) | 13.7321% | 863 |
| Retained earnings to average equity (ytd only) | 2.2477% | 4,330 |
| Net charge-offs to loans | 0.1265% | 1,404 |
| Credit loss provision to net charge-offs | 315.7895% | 926 |
| Earnings coverage of net charge-offs (x) | 17.8684% | 1,906 |
| Efficiency ratio | 61.3985% | 4,100 |
| Assets per employee ($millions) | 5.3882% | 1,980 |
| Cash dividends to net income (ytd only)* | 83.6315% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 3,248 |
| Loan loss allowance to noncurrent loans | 102.5090% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 1.3081% | 1,261 |
| Noncurrent loans to loans | 1.1319% | 1,732 |
| Net loans and leases to total assets | 77.9594% | 1,254 |
| Net loans and leases to deposits | 88.2885% | 1,951 |
| Net loans and leases to core deposits | 109.4984% | 1,026 |
| Total domestic deposits to total assets | 88.3007% | 1,305 |
| Equity capital to assets | 10.4872% | 3,366 |
| Core capital (leverage) ratio | 10.2939% | 3,153 |
| Tier 1 risk-based capital ratio | 15.1504% | 2,866 |
| Total risk-based capital ratio | 16.4014% | 2,796 |
| Memoranda: | ||
| Average total assets | $159,221,330 | 3,404 |
| Average earning assets | $149,216,670 | 3,383 |
| Average equity | $16,283,000 | 3,604 |
| Average total loans | $120,178,000 | 3,092 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9554% | 562 |
| Cost of funding earning assets | 0.7966% | 496 |
| Net interest margin | 4.1588% | 1,073 |
| Noninterest income to average assets | 0.4306% | 3,441 |
| Noninterest expense to average assets | 2.5662% | 3,601 |
| Loan and lease loss provision to assets | 0.2987% | 457 |
| Net operating income to assets | 1.4511% | 895 |
| Return on assets (ROA) | 1.4511% | 917 |
| Pretax return on assets | 1.4511% | 1,693 |
| Return on Equity (ROE) | 14.3676% | 743 |
| Retained earnings to average equity (ytd only) | 7.5904% | 1,615 |
| Net charge-offs to loans | 0.1011% | 1,362 |
| Credit loss provision to net charge-offs | 400.0000% | 650 |
| Earnings coverage of net charge-offs (x) | 23.4333% | 1,388 |
| Efficiency ratio | 59.4579% | 4,533 |
| Assets per employee ($millions) | 5.7947% | 1,661 |
| Cash dividends to net income (ytd only)* | 47.1698% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 3,506 |
| Loan loss allowance to noncurrent loans | 115.9966% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 1.1137% | 1,595 |
| Noncurrent loans to loans | 0.9761% | 2,095 |
| Net loans and leases to total assets | 72.9808% | 1,917 |
| Net loans and leases to deposits | 82.2129% | 2,477 |
| Net loans and leases to core deposits | 104.5396% | 1,195 |
| Total domestic deposits to total assets | 88.7705% | 1,276 |
| Equity capital to assets | 10.1232% | 3,599 |
| Core capital (leverage) ratio | 10.2716% | 3,156 |
| Tier 1 risk-based capital ratio | 15.5305% | 2,744 |
| Total risk-based capital ratio | 16.7805% | 2,673 |
| Memoranda: | ||
| Average total assets | $160,703,500 | 3,415 |
| Average earning assets | $150,140,000 | 3,395 |
| Average equity | $16,231,000 | 3,634 |
| Average total loans | $118,643,500 | 3,130 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2488% | 381 |
| Cost of funding earning assets | 0.8362% | 420 |
| Net interest margin | 4.4126% | 756 |
| Noninterest income to average assets | 0.3248% | 4,415 |
| Noninterest expense to average assets | 2.8198% | 2,960 |
| Loan and lease loss provision to assets | 0.4166% | 361 |
| Net operating income to assets | 1.1723% | 1,596 |
| Return on assets (ROA) | 1.1723% | 1,694 |
| Pretax return on assets | 1.1723% | 2,792 |
| Return on Equity (ROE) | 11.4833% | 1,410 |
| Retained earnings to average equity (ytd only) | 5.9999% | 1,704 |
| Net charge-offs to loans | 0.5193% | 469 |
| Credit loss provision to net charge-offs | 103.2258% | 2,508 |
| Earnings coverage of net charge-offs (x) | 3.9371% | 3,589 |
| Efficiency ratio | 63.9598% | 3,947 |
| Assets per employee ($millions) | 5.1341% | 2,246 |
| Cash dividends to net income (ytd only)* | 47.7512% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 3,849 |
| Loan loss allowance to noncurrent loans | 109.3345% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 1.2064% | 1,496 |
| Noncurrent loans to loans | 0.9845% | 2,126 |
| Net loans and leases to total assets | 73.0441% | 2,009 |
| Net loans and leases to deposits | 82.2286% | 2,643 |
| Net loans and leases to core deposits | 103.8066% | 1,298 |
| Total domestic deposits to total assets | 88.8305% | 1,192 |
| Equity capital to assets | 10.0763% | 3,638 |
| Core capital (leverage) ratio | 10.0624% | 3,412 |
| Tier 1 risk-based capital ratio | 15.3157% | 2,836 |
| Total risk-based capital ratio | 16.5132% | 2,788 |
| Memoranda: | ||
| Average total assets | $153,629,400 | 3,462 |
| Average earning assets | $142,184,200 | 3,475 |
| Average equity | $15,683,600 | 3,736 |
| Average total loans | $119,387,200 | 3,079 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3227% | 350 |
| Cost of funding earning assets | 0.8499% | 383 |
| Net interest margin | 4.4728% | 672 |
| Noninterest income to average assets | 0.4107% | 3,840 |
| Noninterest expense to average assets | 2.8470% | 2,838 |
| Loan and lease loss provision to assets | 0.3503% | 455 |
| Net operating income to assets | 1.3381% | 1,192 |
| Return on assets (ROA) | 1.3381% | 1,272 |
| Pretax return on assets | 1.3381% | 2,276 |
| Return on Equity (ROE) | 13.0635% | 1,039 |
| Retained earnings to average equity (ytd only) | 5.7110% | 2,349 |
| Net charge-offs to loans | 0.6274% | 328 |
| Credit loss provision to net charge-offs | 70.9220% | 2,774 |
| Earnings coverage of net charge-offs (x) | 3.4184% | 3,420 |
| Efficiency ratio | 62.7727% | 4,101 |
| Assets per employee ($millions) | 4.9302% | 2,453 |
| Cash dividends to net income (ytd only)* | 56.2829% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8630% | 4,998 |
| Loan loss allowance to noncurrent loans | 89.4955% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 1.2850% | 1,499 |
| Noncurrent loans to loans | 0.9642% | 2,311 |
| Net loans and leases to total assets | 81.3297% | 713 |
| Net loans and leases to deposits | 92.2196% | 1,468 |
| Net loans and leases to core deposits | 111.9688% | 810 |
| Total domestic deposits to total assets | 88.1913% | 1,305 |
| Equity capital to assets | 10.4714% | 3,598 |
| Core capital (leverage) ratio | 10.4034% | 3,107 |
| Tier 1 risk-based capital ratio | 14.4649% | 3,300 |
| Total risk-based capital ratio | 15.4488% | 3,383 |
| Memoranda: | ||
| Average total assets | $152,247,750 | 3,495 |
| Average earning assets | $140,401,250 | 3,510 |
| Average equity | $15,595,250 | 3,774 |
| Average total loans | $119,854,250 | 3,078 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2005% | 425 |
| Cost of funding earning assets | 0.8512% | 375 |
| Net interest margin | 4.3493% | 854 |
| Noninterest income to average assets | 0.4617% | 3,450 |
| Noninterest expense to average assets | 2.8346% | 2,895 |
| Loan and lease loss provision to assets | 0.3157% | 553 |
| Net operating income to assets | 1.2904% | 1,297 |
| Return on assets (ROA) | 1.2904% | 1,408 |
| Pretax return on assets | 1.2904% | 2,448 |
| Return on Equity (ROE) | 12.6916% | 1,105 |
| Retained earnings to average equity (ytd only) | 4.0235% | 3,346 |
| Net charge-offs to loans | 0.1186% | 1,646 |
| Credit loss provision to net charge-offs | 342.8571% | 865 |
| Earnings coverage of net charge-offs (x) | 17.4429% | 1,875 |
| Efficiency ratio | 63.8329% | 4,052 |
| Assets per employee ($millions) | 4.9111% | 2,399 |
| Cash dividends to net income (ytd only)* | 68.2977% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 3,710 |
| Loan loss allowance to noncurrent loans | 82.9812% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 1.6868% | 1,067 |
| Noncurrent loans to loans | 1.3751% | 1,626 |
| Net loans and leases to total assets | 80.4682% | 834 |
| Net loans and leases to deposits | 90.2234% | 1,730 |
| Net loans and leases to core deposits | 106.0538% | 1,177 |
| Total domestic deposits to total assets | 89.1878% | 820 |
| Equity capital to assets | 10.3203% | 3,830 |
| Core capital (leverage) ratio | 10.2907% | 3,209 |
| Tier 1 risk-based capital ratio | 14.1651% | 3,518 |
| Total risk-based capital ratio | 15.4150% | 3,431 |
| Memoranda: | ||
| Average total assets | $152,051,670 | 3,530 |
| Average earning assets | $139,102,670 | 3,548 |
| Average equity | $15,459,000 | 3,805 |
| Average total loans | $118,011,330 | 3,112 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0551% | 526 |
| Cost of funding earning assets | 0.8656% | 357 |
| Net interest margin | 4.1895% | 1,120 |
| Noninterest income to average assets | 0.5344% | 2,902 |
| Noninterest expense to average assets | 2.8982% | 2,711 |
| Loan and lease loss provision to assets | 0.3159% | 484 |
| Net operating income to assets | 1.1424% | 1,739 |
| Return on assets (ROA) | 1.1424% | 1,860 |
| Pretax return on assets | 1.1424% | 2,923 |
| Return on Equity (ROE) | 11.3224% | 1,496 |
| Retained earnings to average equity (ytd only) | 4.5394% | 3,214 |
| Net charge-offs to loans | 0.1147% | 1,429 |
| Credit loss provision to net charge-offs | 363.6364% | 755 |
| Earnings coverage of net charge-offs (x) | 16.7879% | 1,605 |
| Efficiency ratio | 66.5257% | 3,713 |
| Assets per employee ($millions) | 5.1021% | 2,238 |
| Cash dividends to net income (ytd only)* | 59.9078% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1529% | 3,752 |
| Loan loss allowance to noncurrent loans | 60.5826% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 1.9319% | 926 |
| Noncurrent loans to loans | 1.9030% | 1,152 |
| Net loans and leases to total assets | 74.5561% | 1,640 |
| Net loans and leases to deposits | 83.3099% | 2,390 |
| Net loans and leases to core deposits | 96.0912% | 1,784 |
| Total domestic deposits to total assets | 89.4925% | 837 |
| Equity capital to assets | 10.1037% | 3,945 |
| Core capital (leverage) ratio | 9.9969% | 3,538 |
| Tier 1 risk-based capital ratio | 14.9656% | 3,177 |
| Total risk-based capital ratio | 16.2153% | 3,110 |
| Memoranda: | ||
| Average total assets | $151,955,500 | 3,558 |
| Average earning assets | $138,633,500 | 3,579 |
| Average equity | $15,332,500 | 3,832 |
| Average total loans | $115,056,000 | 3,160 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4970% | 261 |
| Cost of funding earning assets | 0.8682% | 336 |
| Net interest margin | 4.6287% | 514 |
| Noninterest income to average assets | 0.5227% | 3,179 |
| Noninterest expense to average assets | 3.3974% | 1,493 |
| Loan and lease loss provision to assets | 0.3989% | 342 |
| Net operating income to assets | 0.9539% | 2,596 |
| Return on assets (ROA) | 0.9539% | 2,672 |
| Pretax return on assets | 0.9539% | 3,636 |
| Return on Equity (ROE) | 9.5804% | 2,189 |
| Retained earnings to average equity (ytd only) | 9.5804% | 521 |
| Net charge-offs to loans | 1.0461% | 188 |
| Credit loss provision to net charge-offs | 48.2529% | 3,429 |
| Earnings coverage of net charge-offs (x) | 1.6364% | 4,054 |
| Efficiency ratio | 71.5216% | 2,979 |
| Assets per employee ($millions) | 5.0283% | 2,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 4,120 |
| Loan loss allowance to noncurrent loans | 107.6125% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.9301% | 2,338 |
| Noncurrent loans to loans | 1.0082% | 2,325 |
| Net loans and leases to total assets | 75.1878% | 1,536 |
| Net loans and leases to deposits | 83.9433% | 2,371 |
| Net loans and leases to core deposits | 96.3923% | 1,806 |
| Total domestic deposits to total assets | 89.5697% | 814 |
| Equity capital to assets | 10.0763% | 3,881 |
| Core capital (leverage) ratio | 10.2788% | 3,179 |
| Tier 1 risk-based capital ratio | 14.6778% | 3,338 |
| Total risk-based capital ratio | 15.8760% | 3,293 |
| Memoranda: | ||
| Average total assets | $145,403,200 | 3,639 |
| Average earning assets | $132,800,800 | 3,650 |
| Average equity | $14,477,400 | 3,913 |
| Average total loans | $114,907,600 | 3,122 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5292% | 250 |
| Cost of funding earning assets | 0.8707% | 341 |
| Net interest margin | 4.6586% | 486 |
| Noninterest income to average assets | 0.6118% | 2,681 |
| Noninterest expense to average assets | 3.4878% | 1,312 |
| Loan and lease loss provision to assets | 0.3795% | 331 |
| Net operating income to assets | 0.9988% | 2,475 |
| Return on assets (ROA) | 0.9988% | 2,565 |
| Pretax return on assets | 0.9988% | 3,621 |
| Return on Equity (ROE) | 10.0626% | 2,081 |
| Retained earnings to average equity (ytd only) | 10.0626% | 624 |
| Net charge-offs to loans | 0.3502% | 753 |
| Credit loss provision to net charge-offs | 135.7616% | 1,815 |
| Earnings coverage of net charge-offs (x) | 4.9304% | 3,276 |
| Efficiency ratio | 71.6759% | 2,933 |
| Assets per employee ($millions) | 4.7758% | 2,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6673% | 1,562 |
| Loan loss allowance to noncurrent loans | 65.1055% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 2.3354% | 774 |
| Noncurrent loans to loans | 2.5609% | 784 |
| Net loans and leases to total assets | 81.2563% | 673 |
| Net loans and leases to deposits | 91.2983% | 1,488 |
| Net loans and leases to core deposits | 104.1529% | 1,218 |
| Total domestic deposits to total assets | 89.0009% | 1,028 |
| Equity capital to assets | 10.3968% | 3,711 |
| Core capital (leverage) ratio | 10.3020% | 3,255 |
| Tier 1 risk-based capital ratio | 14.1169% | 3,788 |
| Total risk-based capital ratio | 15.3744% | 3,715 |
| Memoranda: | ||
| Average total assets | $144,041,750 | 3,686 |
| Average earning assets | $131,539,750 | 3,704 |
| Average equity | $14,296,750 | 3,978 |
| Average total loans | $114,968,500 | 3,153 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4560% | 287 |
| Cost of funding earning assets | 0.8619% | 350 |
| Net interest margin | 4.5941% | 536 |
| Noninterest income to average assets | 0.4518% | 3,693 |
| Noninterest expense to average assets | 3.3126% | 1,664 |
| Loan and lease loss provision to assets | 0.4019% | 291 |
| Net operating income to assets | 0.9411% | 2,680 |
| Return on assets (ROA) | 0.9411% | 2,805 |
| Pretax return on assets | 0.9411% | 3,803 |
| Return on Equity (ROE) | 9.6333% | 2,235 |
| Retained earnings to average equity (ytd only) | 9.6333% | 745 |
| Net charge-offs to loans | 0.1950% | 1,285 |
| Credit loss provision to net charge-offs | 261.2613% | 1,017 |
| Earnings coverage of net charge-offs (x) | 8.7297% | 2,535 |
| Efficiency ratio | 71.1521% | 3,138 |
| Assets per employee ($millions) | 4.8415% | 2,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7431% | 1,515 |
| Loan loss allowance to noncurrent loans | 65.6400% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 2.2245% | 931 |
| Noncurrent loans to loans | 2.6555% | 823 |
| Net loans and leases to total assets | 79.4045% | 884 |
| Net loans and leases to deposits | 89.2006% | 1,692 |
| Net loans and leases to core deposits | 101.2839% | 1,378 |
| Total domestic deposits to total assets | 89.0179% | 1,130 |
| Equity capital to assets | 9.9184% | 4,130 |
| Core capital (leverage) ratio | 10.1571% | 3,389 |
| Tier 1 risk-based capital ratio | 13.9573% | 3,954 |
| Total risk-based capital ratio | 15.2157% | 3,885 |
| Memoranda: | ||
| Average total assets | $144,297,330 | 3,712 |
| Average earning assets | $132,039,330 | 3,720 |
| Average equity | $14,097,000 | 4,032 |
| Average total loans | $113,826,670 | 3,182 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0872% | 494 |
| Cost of funding earning assets | 0.8636% | 353 |
| Net interest margin | 4.2236% | 1,018 |
| Noninterest income to average assets | 0.4923% | 3,334 |
| Noninterest expense to average assets | 3.0871% | 2,308 |
| Loan and lease loss provision to assets | 0.4728% | 225 |
| Net operating income to assets | 0.7954% | 3,285 |
| Return on assets (ROA) | 0.7954% | 3,415 |
| Pretax return on assets | 0.7954% | 4,259 |
| Return on Equity (ROE) | 8.2051% | 2,857 |
| Retained earnings to average equity (ytd only) | 8.2051% | 1,492 |
| Net charge-offs to loans | 0.1392% | 1,411 |
| Credit loss provision to net charge-offs | 435.8974% | 612 |
| Earnings coverage of net charge-offs (x) | 11.6923% | 1,843 |
| Efficiency ratio | 70.8812% | 3,336 |
| Assets per employee ($millions) | 4.7675% | 2,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7875% | 1,520 |
| Loan loss allowance to noncurrent loans | 50.6336% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 3.2072% | 554 |
| Noncurrent loans to loans | 3.5303% | 544 |
| Net loans and leases to total assets | 76.7536% | 1,090 |
| Net loans and leases to deposits | 85.5633% | 1,890 |
| Net loans and leases to core deposits | 94.8758% | 1,700 |
| Total domestic deposits to total assets | 89.7038% | 899 |
| Equity capital to assets | 9.8802% | 4,291 |
| Core capital (leverage) ratio | 9.8868% | 3,771 |
| Tier 1 risk-based capital ratio | 13.9898% | 4,028 |
| Total risk-based capital ratio | 15.2472% | 3,940 |
| Memoranda: | ||
| Average total assets | $143,823,500 | 3,745 |
| Average earning assets | $131,545,000 | 3,753 |
| Average equity | $13,942,500 | 4,081 |
| Average total loans | $112,051,500 | 3,226 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3855% | 391 |
| Cost of funding earning assets | 0.9155% | 355 |
| Net interest margin | 4.4700% | 791 |
| Noninterest income to average assets | 0.3274% | 4,773 |
| Noninterest expense to average assets | 2.9575% | 2,976 |
| Loan and lease loss provision to assets | 1.5053% | 56 |
| Net operating income to assets | -0.0846% | 6,146 |
| Return on assets (ROA) | -0.0720% | 6,144 |
| Pretax return on assets | -0.0720% | 6,129 |
| Return on Equity (ROE) | -0.6954% | 6,149 |
| Retained earnings to average equity (ytd only) | -9.2016% | 6,293 |
| Net charge-offs to loans | 1.6879% | 134 |
| Credit loss provision to net charge-offs | 115.5126% | 2,065 |
| Earnings coverage of net charge-offs (x) | 1.0902% | 4,496 |
| Efficiency ratio | 67.5507% | 3,973 |
| Assets per employee ($millions) | 4.6653% | 2,772 |
| Cash dividends to net income (ytd only)* | -1,223.3010% | 6,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6612% | 1,886 |
| Loan loss allowance to noncurrent loans | 20.2981% | 5,828 |
| Noncurrent assets plus other real estate owned to assets | 6.4360% | 176 |
| Noncurrent loans to loans | 8.1840% | 106 |
| Net loans and leases to total assets | 76.3800% | 1,210 |
| Net loans and leases to deposits | 84.7349% | 2,131 |
| Net loans and leases to core deposits | 93.1344% | 1,978 |
| Total domestic deposits to total assets | 90.1399% | 677 |
| Equity capital to assets | 9.5102% | 4,706 |
| Core capital (leverage) ratio | 9.6524% | 4,031 |
| Tier 1 risk-based capital ratio | 13.5587% | 4,380 |
| Total risk-based capital ratio | 14.8156% | 4,308 |
| Memoranda: | ||
| Average total assets | $142,956,800 | 3,741 |
| Average earning assets | $129,552,600 | 3,783 |
| Average equity | $14,812,600 | 3,876 |
| Average total loans | $110,375,000 | 3,208 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4772% | 327 |
| Cost of funding earning assets | 0.9225% | 358 |
| Net interest margin | 4.5547% | 682 |
| Noninterest income to average assets | 0.4200% | 4,096 |
| Noninterest expense to average assets | 2.8352% | 3,334 |
| Loan and lease loss provision to assets | 0.2451% | 891 |
| Net operating income to assets | 1.4592% | 1,008 |
| Return on assets (ROA) | 1.4686% | 1,028 |
| Pretax return on assets | 1.4686% | 1,740 |
| Return on Equity (ROE) | 13.8837% | 1,009 |
| Retained earnings to average equity (ytd only) | 2.7413% | 4,642 |
| Net charge-offs to loans | 0.3519% | 1,143 |
| Credit loss provision to net charge-offs | 90.3448% | 2,423 |
| Earnings coverage of net charge-offs (x) | 6.2827% | 3,109 |
| Efficiency ratio | 62.4562% | 4,818 |
| Assets per employee ($millions) | 4.6848% | 2,689 |
| Cash dividends to net income (ytd only)* | 80.2549% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3850% | 3,250 |
| Loan loss allowance to noncurrent loans | 95.8565% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.2487% | 2,461 |
| Noncurrent loans to loans | 1.4448% | 2,256 |
| Net loans and leases to total assets | 78.5277% | 896 |
| Net loans and leases to deposits | 89.0558% | 1,547 |
| Net loans and leases to core deposits | 98.1424% | 1,518 |
| Total domestic deposits to total assets | 88.1781% | 1,671 |
| Equity capital to assets | 10.9375% | 3,019 |
| Core capital (leverage) ratio | 10.8885% | 2,590 |
| Tier 1 risk-based capital ratio | 15.1097% | 3,527 |
| Total risk-based capital ratio | 16.3623% | 3,466 |
| Memoranda: | ||
| Average total assets | $142,540,250 | 3,780 |
| Average earning assets | $128,918,250 | 3,807 |
| Average equity | $15,077,250 | 3,840 |
| Average total loans | $109,886,500 | 3,239 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3539% | 401 |
| Cost of funding earning assets | 0.9243% | 375 |
| Net interest margin | 4.4296% | 807 |
| Noninterest income to average assets | 0.4707% | 3,705 |
| Noninterest expense to average assets | 2.8812% | 3,231 |
| Loan and lease loss provision to assets | 0.2402% | 937 |
| Net operating income to assets | 1.3449% | 1,195 |
| Return on assets (ROA) | 1.3603% | 1,202 |
| Pretax return on assets | 1.3603% | 2,038 |
| Return on Equity (ROE) | 13.0049% | 1,175 |
| Retained earnings to average equity (ytd only) | 0.9880% | 5,362 |
| Net charge-offs to loans | 0.6208% | 635 |
| Credit loss provision to net charge-offs | 50.7375% | 2,785 |
| Earnings coverage of net charge-offs (x) | 3.3481% | 3,334 |
| Efficiency ratio | 64.5091% | 4,612 |
| Assets per employee ($millions) | 4.5530% | 2,842 |
| Cash dividends to net income (ytd only)* | 92.4025% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 3,951 |
| Loan loss allowance to noncurrent loans | 100.2131% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 1.3362% | 2,448 |
| Noncurrent loans to loans | 1.2795% | 2,667 |
| Net loans and leases to total assets | 76.9672% | 1,055 |
| Net loans and leases to deposits | 86.6942% | 1,751 |
| Net loans and leases to core deposits | 94.9365% | 1,693 |
| Total domestic deposits to total assets | 88.7801% | 1,487 |
| Equity capital to assets | 10.6970% | 3,203 |
| Core capital (leverage) ratio | 10.8727% | 2,555 |
| Tier 1 risk-based capital ratio | 15.0732% | 3,591 |
| Total risk-based capital ratio | 16.3244% | 3,537 |
| Memoranda: | ||
| Average total assets | $143,205,670 | 3,795 |
| Average earning assets | $129,177,670 | 3,829 |
| Average equity | $14,979,000 | 3,859 |
| Average total loans | $109,210,000 | 3,263 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2881% | 418 |
| Cost of funding earning assets | 0.9337% | 373 |
| Net interest margin | 4.3543% | 887 |
| Noninterest income to average assets | 0.4354% | 3,905 |
| Noninterest expense to average assets | 2.8120% | 3,522 |
| Loan and lease loss provision to assets | 0.1664% | 1,453 |
| Net operating income to assets | 1.3755% | 1,046 |
| Return on assets (ROA) | 1.3755% | 1,086 |
| Pretax return on assets | 1.3755% | 1,832 |
| Return on Equity (ROE) | 13.2980% | 1,082 |
| Retained earnings to average equity (ytd only) | 5.2549% | 2,958 |
| Net charge-offs to loans | 1.0221% | 329 |
| Credit loss provision to net charge-offs | 21.5827% | 2,484 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 2,971 |
| Efficiency ratio | 64.5860% | 4,764 |
| Assets per employee ($millions) | 4.6093% | 2,798 |
| Cash dividends to net income (ytd only)* | 60.4839% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2413% | 4,433 |
| Loan loss allowance to noncurrent loans | 88.5491% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 1.5397% | 2,297 |
| Noncurrent loans to loans | 1.4019% | 2,684 |
| Net loans and leases to total assets | 75.7777% | 1,029 |
| Net loans and leases to deposits | 85.1383% | 1,710 |
| Net loans and leases to core deposits | 92.7323% | 1,663 |
| Total domestic deposits to total assets | 89.0055% | 1,660 |
| Equity capital to assets | 10.5704% | 3,180 |
| Core capital (leverage) ratio | 10.7308% | 2,672 |
| Tier 1 risk-based capital ratio | 14.9374% | 3,747 |
| Total risk-based capital ratio | 16.1878% | 3,697 |
| Memoranda: | ||
| Average total assets | $144,237,500 | 3,802 |
| Average earning assets | $129,802,000 | 3,839 |
| Average equity | $14,919,500 | 3,875 |
| Average total loans | $108,793,000 | 3,284 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4153% | 420 |
| Cost of funding earning assets | 1.0552% | 348 |
| Net interest margin | 4.3601% | 977 |
| Noninterest income to average assets | 0.5174% | 3,653 |
| Noninterest expense to average assets | 2.6767% | 4,186 |
| Loan and lease loss provision to assets | 0.4590% | 628 |
| Net operating income to assets | 1.3185% | 1,207 |
| Return on assets (ROA) | 1.3443% | 1,184 |
| Pretax return on assets | 1.3443% | 1,993 |
| Return on Equity (ROE) | 13.6741% | 1,026 |
| Retained earnings to average equity (ytd only) | 8.8638% | 802 |
| Net charge-offs to loans | 0.5556% | 1,192 |
| Credit loss provision to net charge-offs | 113.0137% | 2,136 |
| Earnings coverage of net charge-offs (x) | 4.3767% | 3,587 |
| Efficiency ratio | 60.0937% | 5,456 |
| Assets per employee ($millions) | 4.8529% | 2,370 |
| Cash dividends to net income (ytd only)* | 35.1785% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4618% | 3,369 |
| Loan loss allowance to noncurrent loans | 93.5388% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 1.3889% | 2,664 |
| Noncurrent loans to loans | 1.5628% | 2,552 |
| Net loans and leases to total assets | 73.0627% | 1,513 |
| Net loans and leases to deposits | 81.6314% | 2,228 |
| Net loans and leases to core deposits | 88.6970% | 2,163 |
| Total domestic deposits to total assets | 89.5031% | 1,336 |
| Equity capital to assets | 10.1212% | 3,601 |
| Core capital (leverage) ratio | 10.5360% | 2,874 |
| Tier 1 risk-based capital ratio | 15.1631% | 3,569 |
| Total risk-based capital ratio | 16.4168% | 3,512 |
| Memoranda: | ||
| Average total assets | $143,797,400 | 3,815 |
| Average earning assets | $129,836,600 | 3,847 |
| Average equity | $14,136,200 | 4,039 |
| Average total loans | $105,102,200 | 3,340 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3574% | 484 |
| Cost of funding earning assets | 1.0610% | 373 |
| Net interest margin | 4.2963% | 1,105 |
| Noninterest income to average assets | 0.3469% | 4,913 |
| Noninterest expense to average assets | 2.5596% | 4,514 |
| Loan and lease loss provision to assets | 0.5023% | 541 |
| Net operating income to assets | 1.1831% | 1,689 |
| Return on assets (ROA) | 1.2175% | 1,649 |
| Pretax return on assets | 1.2175% | 2,629 |
| Return on Equity (ROE) | 12.4784% | 1,360 |
| Retained earnings to average equity (ytd only) | 5.9961% | 2,407 |
| Net charge-offs to loans | 0.7497% | 797 |
| Credit loss provision to net charge-offs | 91.9932% | 2,585 |
| Earnings coverage of net charge-offs (x) | 3.0869% | 3,807 |
| Efficiency ratio | 60.2980% | 5,390 |
| Assets per employee ($millions) | 4.7148% | 2,553 |
| Cash dividends to net income (ytd only)* | 51.9478% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 4,269 |
| Loan loss allowance to noncurrent loans | 106.5886% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 1.2061% | 3,235 |
| Noncurrent loans to loans | 1.2431% | 3,325 |
| Net loans and leases to total assets | 76.6591% | 911 |
| Net loans and leases to deposits | 85.7289% | 1,644 |
| Net loans and leases to core deposits | 93.3654% | 1,635 |
| Total domestic deposits to total assets | 89.4205% | 1,342 |
| Equity capital to assets | 10.0542% | 3,823 |
| Core capital (leverage) ratio | 10.3044% | 3,238 |
| Tier 1 risk-based capital ratio | 14.3143% | 4,205 |
| Total risk-based capital ratio | 15.5662% | 4,150 |
| Memoranda: | ||
| Average total assets | $143,350,250 | 3,861 |
| Average earning assets | $130,061,000 | 3,880 |
| Average equity | $13,986,500 | 4,117 |
| Average total loans | $104,391,000 | 3,381 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2300% | 600 |
| Cost of funding earning assets | 1.0717% | 385 |
| Net interest margin | 4.1583% | 1,387 |
| Noninterest income to average assets | 0.3209% | 5,141 |
| Noninterest expense to average assets | 2.5294% | 4,632 |
| Loan and lease loss provision to assets | 0.5834% | 439 |
| Net operating income to assets | 0.9862% | 2,385 |
| Return on assets (ROA) | 1.0376% | 2,285 |
| Pretax return on assets | 1.0376% | 3,342 |
| Return on Equity (ROE) | 10.7418% | 1,909 |
| Retained earnings to average equity (ytd only) | 2.9766% | 4,424 |
| Net charge-offs to loans | 1.1603% | 505 |
| Credit loss provision to net charge-offs | 70.5882% | 2,809 |
| Earnings coverage of net charge-offs (x) | 1.8992% | 3,890 |
| Efficiency ratio | 61.7079% | 5,212 |
| Assets per employee ($millions) | 4.5688% | 2,702 |
| Cash dividends to net income (ytd only)* | 72.2892% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2555% | 4,716 |
| Loan loss allowance to noncurrent loans | 134.9593% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 1.1071% | 3,514 |
| Noncurrent loans to loans | 0.9303% | 4,063 |
| Net loans and leases to total assets | 73.7439% | 1,292 |
| Net loans and leases to deposits | 82.0786% | 2,049 |
| Net loans and leases to core deposits | 89.0227% | 2,003 |
| Total domestic deposits to total assets | 89.8455% | 1,124 |
| Equity capital to assets | 9.7040% | 4,302 |
| Core capital (leverage) ratio | 9.8662% | 3,691 |
| Tier 1 risk-based capital ratio | 14.3801% | 4,173 |
| Total risk-based capital ratio | 15.6315% | 4,129 |
| Memoranda: | ||
| Average total assets | $143,986,000 | 3,873 |
| Average earning assets | $130,822,670 | 3,889 |
| Average equity | $13,908,330 | 4,164 |
| Average total loans | $102,559,670 | 3,424 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9891% | 905 |
| Cost of funding earning assets | 1.1124% | 355 |
| Net interest margin | 3.8767% | 2,193 |
| Noninterest income to average assets | 0.3775% | 4,643 |
| Noninterest expense to average assets | 2.7142% | 4,001 |
| Loan and lease loss provision to assets | 0.7715% | 286 |
| Net operating income to assets | 0.4161% | 5,064 |
| Return on assets (ROA) | 0.4161% | 5,215 |
| Pretax return on assets | 0.4161% | 5,516 |
| Return on Equity (ROE) | 4.3172% | 4,935 |
| Retained earnings to average equity (ytd only) | -1.4010% | 6,004 |
| Net charge-offs to loans | 2.4685% | 169 |
| Credit loss provision to net charge-offs | 44.9438% | 2,690 |
| Earnings coverage of net charge-offs (x) | 0.6918% | 3,598 |
| Efficiency ratio | 69.5621% | 4,045 |
| Assets per employee ($millions) | 4.7191% | 2,618 |
| Cash dividends to net income (ytd only)* | 132.4503% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1474% | 5,419 |
| Loan loss allowance to noncurrent loans | 68.2353% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 1.7158% | 2,721 |
| Noncurrent loans to loans | 1.6815% | 3,024 |
| Net loans and leases to total assets | 68.3152% | 1,954 |
| Net loans and leases to deposits | 75.8147% | 2,663 |
| Net loans and leases to core deposits | 82.1468% | 2,550 |
| Total domestic deposits to total assets | 90.1081% | 978 |
| Equity capital to assets | 9.5426% | 4,791 |
| Core capital (leverage) ratio | 9.6241% | 3,880 |
| Tier 1 risk-based capital ratio | 14.2752% | 4,306 |
| Total risk-based capital ratio | 15.4654% | 4,316 |
| Memoranda: | ||
| Average total assets | $145,163,000 | 3,893 |
| Average earning assets | $131,969,000 | 3,903 |
| Average equity | $13,990,500 | 4,200 |
| Average total loans | $100,953,000 | 3,480 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3393% | 847 |
| Cost of funding earning assets | 1.4126% | 242 |
| Net interest margin | 3.9267% | 2,712 |
| Noninterest income to average assets | 0.2137% | 5,896 |
| Noninterest expense to average assets | 2.6166% | 4,685 |
| Loan and lease loss provision to assets | 0.6321% | 854 |
| Net operating income to assets | 0.5304% | 4,562 |
| Return on assets (ROA) | 0.7789% | 3,627 |
| Pretax return on assets | 0.7789% | 4,369 |
| Return on Equity (ROE) | 8.1613% | 3,017 |
| Retained earnings to average equity (ytd only) | 0.6151% | 5,545 |
| Net charge-offs to loans | 1.0147% | 1,069 |
| Credit loss provision to net charge-offs | 89.5551% | 3,494 |
| Earnings coverage of net charge-offs (x) | 1.6470% | 4,622 |
| Efficiency ratio | 69.2377% | 3,935 |
| Assets per employee ($millions) | 5.3346% | 1,857 |
| Cash dividends to net income (ytd only)* | 92.4628% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 3,789 |
| Loan loss allowance to noncurrent loans | 77.1561% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.8669% | 2,617 |
| Noncurrent loans to loans | 1.9324% | 2,769 |
| Net loans and leases to total assets | 68.9444% | 2,047 |
| Net loans and leases to deposits | 76.6655% | 2,694 |
| Net loans and leases to core deposits | 83.5084% | 2,604 |
| Total domestic deposits to total assets | 89.9288% | 984 |
| Equity capital to assets | 9.7344% | 4,551 |
| Core capital (leverage) ratio | 9.8615% | 3,591 |
| Tier 1 risk-based capital ratio | 14.5024% | 4,034 |
| Total risk-based capital ratio | 15.7562% | 3,982 |
| Memoranda: | ||
| Average total assets | $146,489,400 | 3,835 |
| Average earning assets | $133,013,600 | 3,843 |
| Average equity | $13,980,600 | 4,160 |
| Average total loans | $101,903,000 | 3,473 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3630% | 900 |
| Cost of funding earning assets | 1.4895% | 214 |
| Net interest margin | 3.8735% | 3,014 |
| Noninterest income to average assets | 0.2638% | 5,670 |
| Noninterest expense to average assets | 2.5832% | 4,796 |
| Loan and lease loss provision to assets | 0.6943% | 733 |
| Net operating income to assets | 0.5030% | 4,834 |
| Return on assets (ROA) | 0.6734% | 4,299 |
| Pretax return on assets | 0.6734% | 4,944 |
| Return on Equity (ROE) | 7.0909% | 3,755 |
| Retained earnings to average equity (ytd only) | -2.8345% | 6,468 |
| Net charge-offs to loans | 0.9813% | 1,085 |
| Credit loss provision to net charge-offs | 101.8617% | 2,891 |
| Earnings coverage of net charge-offs (x) | 1.7567% | 4,391 |
| Efficiency ratio | 68.3289% | 3,995 |
| Assets per employee ($millions) | 4.7621% | 2,514 |
| Cash dividends to net income (ytd only)* | 139.9731% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5654% | 3,669 |
| Loan loss allowance to noncurrent loans | 63.0823% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 2.2419% | 2,377 |
| Noncurrent loans to loans | 2.4815% | 2,318 |
| Net loans and leases to total assets | 73.9935% | 1,246 |
| Net loans and leases to deposits | 82.7939% | 2,016 |
| Net loans and leases to core deposits | 90.0356% | 1,976 |
| Total domestic deposits to total assets | 89.3707% | 1,202 |
| Equity capital to assets | 10.0920% | 4,367 |
| Core capital (leverage) ratio | 9.7738% | 3,837 |
| Tier 1 risk-based capital ratio | 13.8889% | 4,621 |
| Total risk-based capital ratio | 15.1439% | 4,576 |
| Memoranda: | ||
| Average total assets | $147,103,000 | 3,866 |
| Average earning assets | $133,553,500 | 3,879 |
| Average equity | $13,970,500 | 4,198 |
| Average total loans | $102,177,000 | 3,505 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2403% | 1,160 |
| Cost of funding earning assets | 1.5878% | 162 |
| Net interest margin | 3.6526% | 4,024 |
| Noninterest income to average assets | 0.2558% | 5,750 |
| Noninterest expense to average assets | 2.5236% | 5,059 |
| Loan and lease loss provision to assets | 0.7275% | 722 |
| Net operating income to assets | 0.3304% | 5,498 |
| Return on assets (ROA) | 0.5809% | 4,721 |
| Pretax return on assets | 0.5809% | 5,207 |
| Return on Equity (ROE) | 6.2367% | 4,189 |
| Retained earnings to average equity (ytd only) | -5.7790% | 6,661 |
| Net charge-offs to loans | 1.1473% | 942 |
| Credit loss provision to net charge-offs | 93.6535% | 2,936 |
| Earnings coverage of net charge-offs (x) | 1.3619% | 4,326 |
| Efficiency ratio | 70.4613% | 3,691 |
| Assets per employee ($millions) | 4.9489% | 2,242 |
| Cash dividends to net income (ytd only)* | 192.6606% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4872% | 4,070 |
| Loan loss allowance to noncurrent loans | 51.7253% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 2.6352% | 2,103 |
| Noncurrent loans to loans | 2.8751% | 2,085 |
| Net loans and leases to total assets | 72.6501% | 1,454 |
| Net loans and leases to deposits | 82.0372% | 2,108 |
| Net loans and leases to core deposits | 88.4307% | 2,161 |
| Total domestic deposits to total assets | 88.5575% | 1,780 |
| Equity capital to assets | 9.5807% | 4,936 |
| Core capital (leverage) ratio | 9.1504% | 4,687 |
| Tier 1 risk-based capital ratio | 13.4323% | 4,880 |
| Total risk-based capital ratio | 14.6867% | 4,834 |
| Memoranda: | ||
| Average total assets | $150,104,000 | 3,832 |
| Average earning assets | $136,671,000 | 3,835 |
| Average equity | $13,981,670 | 4,199 |
| Average total loans | $101,632,670 | 3,526 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0785% | 1,643 |
| Cost of funding earning assets | 1.6995% | 124 |
| Net interest margin | 3.3790% | 5,201 |
| Noninterest income to average assets | 0.1851% | 6,271 |
| Noninterest expense to average assets | 2.3729% | 5,563 |
| Loan and lease loss provision to assets | 0.5163% | 1,168 |
| Net operating income to assets | 0.3755% | 5,365 |
| Return on assets (ROA) | 0.5789% | 4,668 |
| Pretax return on assets | 0.5789% | 5,188 |
| Return on Equity (ROE) | 6.2990% | 4,139 |
| Retained earnings to average equity (ytd only) | -8.6824% | 6,796 |
| Net charge-offs to loans | 1.5513% | 648 |
| Credit loss provision to net charge-offs | 51.2953% | 3,261 |
| Earnings coverage of net charge-offs (x) | 0.8860% | 3,884 |
| Efficiency ratio | 72.6837% | 3,314 |
| Assets per employee ($millions) | 5.1390% | 2,071 |
| Cash dividends to net income (ytd only)* | 237.8378% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4435% | 4,404 |
| Loan loss allowance to noncurrent loans | 60.9161% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 2.2839% | 2,610 |
| Noncurrent loans to loans | 2.3696% | 2,733 |
| Net loans and leases to total assets | 63.0217% | 3,040 |
| Net loans and leases to deposits | 73.3272% | 3,229 |
| Net loans and leases to core deposits | 79.2645% | 3,142 |
| Total domestic deposits to total assets | 85.9459% | 3,557 |
| Equity capital to assets | 9.0206% | 5,465 |
| Core capital (leverage) ratio | 8.8310% | 5,096 |
| Tier 1 risk-based capital ratio | 14.0267% | 4,458 |
| Total risk-based capital ratio | 15.2795% | 4,417 |
| Memoranda: | ||
| Average total assets | $153,397,000 | 3,816 |
| Average earning assets | $139,806,000 | 3,821 |
| Average equity | $14,097,500 | 4,183 |
| Average total loans | $99,529,000 | 3,606 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4051% | 1,404 |
| Cost of funding earning assets | 1.9153% | 140 |
| Net interest margin | 3.4898% | 5,186 |
| Noninterest income to average assets | 0.3939% | 4,666 |
| Noninterest expense to average assets | 2.4769% | 5,544 |
| Loan and lease loss provision to assets | 0.2568% | 3,639 |
| Net operating income to assets | 0.8349% | 2,896 |
| Return on assets (ROA) | 0.8709% | 2,874 |
| Pretax return on assets | 0.8709% | 3,707 |
| Return on Equity (ROE) | 9.5016% | 2,248 |
| Retained earnings to average equity (ytd only) | 4.4931% | 2,975 |
| Net charge-offs to loans | 0.5233% | 2,901 |
| Credit loss provision to net charge-offs | 72.8302% | 4,741 |
| Earnings coverage of net charge-offs (x) | 3.0962% | 3,657 |
| Efficiency ratio | 69.4072% | 4,069 |
| Assets per employee ($millions) | 5.0875% | 2,086 |
| Cash dividends to net income (ytd only)* | 52.7120% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6034% | 3,572 |
| Loan loss allowance to noncurrent loans | 73.8991% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 2.4282% | 2,508 |
| Noncurrent loans to loans | 2.1697% | 2,985 |
| Net loans and leases to total assets | 64.7758% | 3,027 |
| Net loans and leases to deposits | 75.6136% | 3,239 |
| Net loans and leases to core deposits | 81.3187% | 3,276 |
| Total domestic deposits to total assets | 85.6668% | 3,500 |
| Equity capital to assets | 9.3615% | 5,073 |
| Core capital (leverage) ratio | 9.0411% | 4,708 |
| Tier 1 risk-based capital ratio | 13.8073% | 4,472 |
| Total risk-based capital ratio | 15.0622% | 4,426 |
| Memoranda: | ||
| Average total assets | $150,310,600 | 3,792 |
| Average earning assets | $136,742,400 | 3,808 |
| Average equity | $13,776,600 | 4,165 |
| Average total loans | $101,283,800 | 3,587 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4409% | 1,405 |
| Cost of funding earning assets | 2.0136% | 114 |
| Net interest margin | 3.4273% | 5,474 |
| Noninterest income to average assets | 0.4069% | 4,616 |
| Noninterest expense to average assets | 2.5610% | 5,231 |
| Loan and lease loss provision to assets | 0.2191% | 3,822 |
| Net operating income to assets | 0.7507% | 3,377 |
| Return on assets (ROA) | 0.7987% | 3,330 |
| Pretax return on assets | 0.7987% | 4,132 |
| Return on Equity (ROE) | 8.7625% | 2,703 |
| Retained earnings to average equity (ytd only) | 2.0221% | 5,124 |
| Net charge-offs to loans | 0.7108% | 2,136 |
| Credit loss provision to net charge-offs | 45.4713% | 5,130 |
| Earnings coverage of net charge-offs (x) | 2.0129% | 4,136 |
| Efficiency ratio | 72.5347% | 3,449 |
| Assets per employee ($millions) | 5.2884% | 1,829 |
| Cash dividends to net income (ytd only)* | 76.9233% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4152% | 4,489 |
| Loan loss allowance to noncurrent loans | 80.4408% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 2.1941% | 2,900 |
| Noncurrent loans to loans | 1.7593% | 3,694 |
| Net loans and leases to total assets | 66.3165% | 2,821 |
| Net loans and leases to deposits | 77.3275% | 3,115 |
| Net loans and leases to core deposits | 83.0896% | 3,174 |
| Total domestic deposits to total assets | 85.7606% | 3,350 |
| Equity capital to assets | 9.0361% | 5,708 |
| Core capital (leverage) ratio | 8.8971% | 5,110 |
| Tier 1 risk-based capital ratio | 12.9582% | 5,132 |
| Total risk-based capital ratio | 14.2104% | 5,096 |
| Memoranda: | ||
| Average total assets | $149,732,000 | 3,827 |
| Average earning assets | $136,468,750 | 3,825 |
| Average equity | $13,648,750 | 4,202 |
| Average total loans | $101,486,000 | 3,607 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3332% | 1,775 |
| Cost of funding earning assets | 1.9692% | 158 |
| Net interest margin | 3.3640% | 5,665 |
| Noninterest income to average assets | 0.5225% | 3,683 |
| Noninterest expense to average assets | 2.5882% | 5,230 |
| Loan and lease loss provision to assets | 0.2141% | 3,773 |
| Net operating income to assets | 0.7958% | 3,100 |
| Return on assets (ROA) | 0.8686% | 2,870 |
| Pretax return on assets | 0.8686% | 3,765 |
| Return on Equity (ROE) | 9.5000% | 2,309 |
| Retained earnings to average equity (ytd only) | 4.1977% | 3,527 |
| Net charge-offs to loans | 0.7471% | 2,007 |
| Credit loss provision to net charge-offs | 42.1751% | 4,773 |
| Earnings coverage of net charge-offs (x) | 1.9894% | 3,875 |
| Efficiency ratio | 71.9311% | 3,746 |
| Assets per employee ($millions) | 4.9966% | 2,127 |
| Cash dividends to net income (ytd only)* | 55.8140% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5240% | 4,016 |
| Loan loss allowance to noncurrent loans | 58.5301% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 2.3683% | 2,784 |
| Noncurrent loans to loans | 2.6039% | 2,774 |
| Net loans and leases to total assets | 66.2542% | 2,980 |
| Net loans and leases to deposits | 77.4425% | 3,227 |
| Net loans and leases to core deposits | 83.6898% | 3,258 |
| Total domestic deposits to total assets | 85.5527% | 3,594 |
| Equity capital to assets | 9.2190% | 5,250 |
| Core capital (leverage) ratio | 8.9551% | 4,798 |
| Tier 1 risk-based capital ratio | 13.4296% | 4,586 |
| Total risk-based capital ratio | 14.6910% | 4,561 |
| Memoranda: | ||
| Average total assets | $148,521,670 | 3,873 |
| Average earning assets | $135,791,330 | 3,862 |
| Average equity | $13,579,000 | 4,205 |
| Average total loans | $100,926,330 | 3,662 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3175% | 1,814 |
| Cost of funding earning assets | 1.9554% | 197 |
| Net interest margin | 3.3622% | 5,574 |
| Noninterest income to average assets | 0.7441% | 2,290 |
| Noninterest expense to average assets | 2.5461% | 5,399 |
| Loan and lease loss provision to assets | 0.3572% | 2,415 |
| Net operating income to assets | 0.9254% | 2,458 |
| Return on assets (ROA) | 1.0715% | 1,995 |
| Pretax return on assets | 1.0715% | 2,866 |
| Return on Equity (ROE) | 11.7691% | 1,526 |
| Retained earnings to average equity (ytd only) | 7.3111% | 2,022 |
| Net charge-offs to loans | 1.6204% | 829 |
| Credit loss provision to net charge-offs | 32.2738% | 4,078 |
| Earnings coverage of net charge-offs (x) | 1.1589% | 3,789 |
| Efficiency ratio | 66.5018% | 4,946 |
| Assets per employee ($millions) | 4.9858% | 2,187 |
| Cash dividends to net income (ytd only)* | 37.8788% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4915% | 4,254 |
| Loan loss allowance to noncurrent loans | 87.5592% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 1.5491% | 3,925 |
| Noncurrent loans to loans | 1.7035% | 3,938 |
| Net loans and leases to total assets | 65.2616% | 3,185 |
| Net loans and leases to deposits | 76.1416% | 3,397 |
| Net loans and leases to core deposits | 82.2520% | 3,421 |
| Total domestic deposits to total assets | 85.7108% | 3,686 |
| Equity capital to assets | 9.0710% | 5,092 |
| Core capital (leverage) ratio | 9.0424% | 4,550 |
| Tier 1 risk-based capital ratio | 13.4093% | 4,495 |
| Total risk-based capital ratio | 14.6645% | 4,472 |
| Memoranda: | ||
| Average total assets | $147,834,000 | 3,915 |
| Average earning assets | $135,627,000 | 3,906 |
| Average equity | $13,459,000 | 4,227 |
| Average total loans | $100,964,500 | 3,694 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2469% | 512 |
| Cost of funding earning assets | 1.9693% | 677 |
| Net interest margin | 4.2776% | 1,893 |
| Noninterest income to average assets | 0.4129% | 4,796 |
| Noninterest expense to average assets | 2.6073% | 5,386 |
| Loan and lease loss provision to assets | 0.5310% | 3,026 |
| Net operating income to assets | 1.1637% | 1,501 |
| Return on assets (ROA) | 1.1629% | 1,586 |
| Pretax return on assets | 1.1629% | 2,354 |
| Return on Equity (ROE) | 11.8452% | 1,351 |
| Retained earnings to average equity (ytd only) | 5.2645% | 2,266 |
| Net charge-offs to loans | 0.4978% | 3,641 |
| Credit loss provision to net charge-offs | 141.3043% | 2,662 |
| Earnings coverage of net charge-offs (x) | 4.5099% | 2,899 |
| Efficiency ratio | 60.6076% | 5,952 |
| Assets per employee ($millions) | 4.7127% | 2,542 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7056% | 3,199 |
| Loan loss allowance to noncurrent loans | 78.4436% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 2.2054% | 3,088 |
| Noncurrent loans to loans | 2.1743% | 3,340 |
| Net loans and leases to total assets | 69.1902% | 2,727 |
| Net loans and leases to deposits | 80.9375% | 3,004 |
| Net loans and leases to core deposits | 95.6582% | 2,051 |
| Total domestic deposits to total assets | 85.4860% | 3,607 |
| Equity capital to assets | 9.1380% | 4,934 |
| Core capital (leverage) ratio | 9.4526% | 3,760 |
| Tier 1 risk-based capital ratio | 13.1538% | 4,485 |
| Total risk-based capital ratio | 14.3971% | 4,448 |
| Memoranda: | ||
| Average total assets | $134,661,000 | 4,166 |
| Average earning assets | $122,428,800 | 4,177 |
| Average equity | $13,220,600 | 4,322 |
| Average total loans | $101,641,400 | 3,749 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3870% | 427 |
| Cost of funding earning assets | 2.0021% | 750 |
| Net interest margin | 4.3849% | 1,574 |
| Noninterest income to average assets | 0.4987% | 4,200 |
| Noninterest expense to average assets | 2.6898% | 4,919 |
| Loan and lease loss provision to assets | 0.4997% | 2,963 |
| Net operating income to assets | 1.2837% | 1,364 |
| Return on assets (ROA) | 1.2837% | 1,450 |
| Pretax return on assets | 1.2837% | 2,215 |
| Return on Equity (ROE) | 12.8293% | 1,303 |
| Retained earnings to average equity (ytd only) | 6.5612% | 2,061 |
| Net charge-offs to loans | 0.5092% | 3,254 |
| Credit loss provision to net charge-offs | 127.6486% | 3,191 |
| Earnings coverage of net charge-offs (x) | 4.5555% | 3,002 |
| Efficiency ratio | 60.1312% | 5,929 |
| Assets per employee ($millions) | 4.6248% | 2,713 |
| Cash dividends to net income (ytd only)* | 48.8575% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5454% | 3,751 |
| Loan loss allowance to noncurrent loans | 68.7318% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 2.3710% | 3,005 |
| Noncurrent loans to loans | 2.2484% | 3,391 |
| Net loans and leases to total assets | 78.5226% | 951 |
| Net loans and leases to deposits | 93.5542% | 1,254 |
| Net loans and leases to core deposits | 116.9040% | 719 |
| Total domestic deposits to total assets | 83.9328% | 4,165 |
| Equity capital to assets | 10.1679% | 3,923 |
| Core capital (leverage) ratio | 9.8830% | 3,381 |
| Tier 1 risk-based capital ratio | 12.9455% | 4,617 |
| Total risk-based capital ratio | 14.1940% | 4,599 |
| Memoranda: | ||
| Average total assets | $131,803,000 | 4,282 |
| Average earning assets | $119,469,000 | 4,296 |
| Average equity | $13,188,250 | 4,396 |
| Average total loans | $101,342,750 | 3,823 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3596% | 446 |
| Cost of funding earning assets | 2.0225% | 848 |
| Net interest margin | 4.3371% | 1,648 |
| Noninterest income to average assets | 0.5938% | 3,384 |
| Noninterest expense to average assets | 2.6620% | 5,073 |
| Loan and lease loss provision to assets | 0.4030% | 3,305 |
| Net operating income to assets | 1.4500% | 989 |
| Return on assets (ROA) | 1.4500% | 1,057 |
| Pretax return on assets | 1.4500% | 1,697 |
| Return on Equity (ROE) | 14.5720% | 930 |
| Retained earnings to average equity (ytd only) | 6.7492% | 1,948 |
| Net charge-offs to loans | 0.3599% | 3,555 |
| Credit loss provision to net charge-offs | 147.4860% | 2,678 |
| Earnings coverage of net charge-offs (x) | 6.7821% | 2,403 |
| Efficiency ratio | 58.9588% | 6,228 |
| Assets per employee ($millions) | 3.9577% | 3,851 |
| Cash dividends to net income (ytd only)* | 53.6842% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5895% | 3,495 |
| Loan loss allowance to noncurrent loans | 74.4292% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 2.2036% | 3,256 |
| Noncurrent loans to loans | 2.1356% | 3,547 |
| Net loans and leases to total assets | 77.2696% | 1,238 |
| Net loans and leases to deposits | 92.2519% | 1,489 |
| Net loans and leases to core deposits | 110.2724% | 1,149 |
| Total domestic deposits to total assets | 83.7594% | 4,218 |
| Equity capital to assets | 10.1864% | 3,788 |
| Core capital (leverage) ratio | 9.9372% | 3,232 |
| Tier 1 risk-based capital ratio | 12.9495% | 4,493 |
| Total risk-based capital ratio | 14.1377% | 4,490 |
| Memoranda: | ||
| Average total assets | $131,031,330 | 4,325 |
| Average earning assets | $118,466,670 | 4,353 |
| Average equity | $13,038,670 | 4,431 |
| Average total loans | $99,468,330 | 3,917 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2880% | 539 |
| Cost of funding earning assets | 2.0409% | 968 |
| Net interest margin | 4.2471% | 1,865 |
| Noninterest income to average assets | 0.2712% | 5,985 |
| Noninterest expense to average assets | 2.6150% | 5,289 |
| Loan and lease loss provision to assets | 0.4419% | 2,754 |
| Net operating income to assets | 1.0515% | 1,996 |
| Return on assets (ROA) | 1.0515% | 2,059 |
| Pretax return on assets | 1.0515% | 2,900 |
| Return on Equity (ROE) | 10.6927% | 1,874 |
| Retained earnings to average equity (ytd only) | 5.4238% | 2,917 |
| Net charge-offs to loans | 0.3676% | 2,940 |
| Credit loss provision to net charge-offs | 161.1111% | 2,241 |
| Earnings coverage of net charge-offs (x) | 5.4444% | 2,397 |
| Efficiency ratio | 63.6499% | 5,555 |
| Assets per employee ($millions) | 4.3699% | 3,177 |
| Cash dividends to net income (ytd only)* | 49.2754% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6307% | 3,324 |
| Loan loss allowance to noncurrent loans | 87.0985% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 1.7727% | 3,826 |
| Noncurrent loans to loans | 1.8722% | 3,965 |
| Net loans and leases to total assets | 73.6235% | 2,051 |
| Net loans and leases to deposits | 87.4876% | 2,316 |
| Net loans and leases to core deposits | 108.7906% | 1,366 |
| Total domestic deposits to total assets | 84.1531% | 4,074 |
| Equity capital to assets | 9.9117% | 3,972 |
| Core capital (leverage) ratio | 9.8315% | 3,366 |
| Tier 1 risk-based capital ratio | 12.9228% | 4,393 |
| Total risk-based capital ratio | 14.1465% | 4,383 |
| Memoranda: | ||
| Average total assets | $131,244,500 | 4,374 |
| Average earning assets | $118,575,000 | 4,412 |
| Average equity | $12,906,000 | 4,498 |
| Average total loans | $97,928,500 | 4,024 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5360% | 616 |
| Cost of funding earning assets | 2.5611% | 872 |
| Net interest margin | 3.9749% | 2,969 |
| Noninterest income to average assets | 0.6556% | 3,251 |
| Noninterest expense to average assets | 3.0361% | 4,006 |
| Loan and lease loss provision to assets | 0.9408% | 2,395 |
| Net operating income to assets | 0.3207% | 4,449 |
| Return on assets (ROA) | 0.3207% | 4,535 |
| Pretax return on assets | 0.3207% | 4,707 |
| Return on Equity (ROE) | 3.1816% | 4,423 |
| Retained earnings to average equity (ytd only) | 1.0710% | 4,293 |
| Net charge-offs to loans | 0.7763% | 2,883 |
| Credit loss provision to net charge-offs | 156.8988% | 2,877 |
| Earnings coverage of net charge-offs (x) | 2.1038% | 4,157 |
| Efficiency ratio | 70.6454% | 4,501 |
| Assets per employee ($millions) | 3.9815% | 3,850 |
| Cash dividends to net income (ytd only)* | 66.3391% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5808% | 3,357 |
| Loan loss allowance to noncurrent loans | 89.8778% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 1.7223% | 3,783 |
| Noncurrent loans to loans | 1.7588% | 3,998 |
| Net loans and leases to total assets | 73.2113% | 2,445 |
| Net loans and leases to deposits | 86.7088% | 2,800 |
| Net loans and leases to core deposits | 132.4735% | 1,141 |
| Total domestic deposits to total assets | 84.4335% | 3,829 |
| Equity capital to assets | 9.7556% | 4,057 |
| Core capital (leverage) ratio | 9.8039% | 3,322 |
| Tier 1 risk-based capital ratio | 12.6931% | 4,371 |
| Total risk-based capital ratio | 13.9219% | 4,319 |
| Memoranda: | ||
| Average total assets | $126,908,200 | 4,402 |
| Average earning assets | $116,278,200 | 4,388 |
| Average equity | $12,792,200 | 4,557 |
| Average total loans | $98,031,000 | 4,005 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5222% | 716 |
| Cost of funding earning assets | 2.6544% | 898 |
| Net interest margin | 3.8679% | 3,349 |
| Noninterest income to average assets | 0.6042% | 3,666 |
| Noninterest expense to average assets | 3.1322% | 3,528 |
| Loan and lease loss provision to assets | 0.5586% | 3,153 |
| Net operating income to assets | 0.4844% | 4,057 |
| Return on assets (ROA) | 0.4844% | 4,149 |
| Pretax return on assets | 0.4844% | 4,567 |
| Return on Equity (ROE) | 4.7656% | 4,060 |
| Retained earnings to average equity (ytd only) | 1.9501% | 4,239 |
| Net charge-offs to loans | 0.2908% | 4,213 |
| Credit loss provision to net charge-offs | 246.2617% | 1,761 |
| Earnings coverage of net charge-offs (x) | 4.5981% | 3,079 |
| Efficiency ratio | 75.0190% | 3,688 |
| Assets per employee ($millions) | 3.6111% | 4,658 |
| Cash dividends to net income (ytd only)* | 59.0806% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4164% | 3,858 |
| Loan loss allowance to noncurrent loans | 45.9948% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 2.8911% | 2,401 |
| Noncurrent loans to loans | 3.0794% | 2,455 |
| Net loans and leases to total assets | 78.4220% | 1,501 |
| Net loans and leases to deposits | 94.0272% | 1,879 |
| Net loans and leases to core deposits | 146.9343% | 660 |
| Total domestic deposits to total assets | 83.4035% | 4,017 |
| Equity capital to assets | 10.2328% | 3,808 |
| Core capital (leverage) ratio | 10.0930% | 3,185 |
| Tier 1 risk-based capital ratio | 12.6235% | 4,458 |
| Total risk-based capital ratio | 13.8756% | 4,404 |
| Memoranda: | ||
| Average total assets | $125,787,500 | 4,451 |
| Average earning assets | $116,133,000 | 4,424 |
| Average equity | $12,785,750 | 4,588 |
| Average total loans | $98,104,250 | 4,040 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5076% | 810 |
| Cost of funding earning assets | 2.7641% | 867 |
| Net interest margin | 3.7435% | 3,780 |
| Noninterest income to average assets | 0.7612% | 2,644 |
| Noninterest expense to average assets | 3.1102% | 3,657 |
| Loan and lease loss provision to assets | 0.5001% | 3,036 |
| Net operating income to assets | 0.6083% | 3,644 |
| Return on assets (ROA) | 0.6083% | 3,753 |
| Pretax return on assets | 0.6083% | 4,300 |
| Return on Equity (ROE) | 5.9984% | 3,649 |
| Retained earnings to average equity (ytd only) | 1.7587% | 4,363 |
| Net charge-offs to loans | 0.3597% | 3,381 |
| Credit loss provision to net charge-offs | 179.4286% | 2,546 |
| Earnings coverage of net charge-offs (x) | 3.9771% | 3,257 |
| Efficiency ratio | 73.7259% | 4,076 |
| Assets per employee ($millions) | 3.5713% | 4,640 |
| Cash dividends to net income (ytd only)* | 70.6806% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2749% | 4,427 |
| Loan loss allowance to noncurrent loans | 58.7600% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 2.1129% | 3,044 |
| Noncurrent loans to loans | 2.1696% | 3,287 |
| Net loans and leases to total assets | 77.5053% | 1,861 |
| Net loans and leases to deposits | 92.8884% | 2,294 |
| Net loans and leases to core deposits | 137.4103% | 1,134 |
| Total domestic deposits to total assets | 83.4392% | 4,042 |
| Equity capital to assets | 10.1789% | 3,744 |
| Core capital (leverage) ratio | 9.9867% | 3,311 |
| Tier 1 risk-based capital ratio | 12.9285% | 4,199 |
| Total risk-based capital ratio | 14.1795% | 4,109 |
| Memoranda: | ||
| Average total assets | $125,587,330 | 4,490 |
| Average earning assets | $115,986,670 | 4,463 |
| Average equity | $12,736,670 | 4,615 |
| Average total loans | $97,292,330 | 4,089 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5083% | 850 |
| Cost of funding earning assets | 2.8968% | 776 |
| Net interest margin | 3.6115% | 4,273 |
| Noninterest income to average assets | 0.5275% | 4,080 |
| Noninterest expense to average assets | 2.9043% | 4,145 |
| Loan and lease loss provision to assets | 0.2860% | 3,674 |
| Net operating income to assets | 0.6768% | 3,673 |
| Return on assets (ROA) | 1.0168% | 2,379 |
| Pretax return on assets | 1.0168% | 3,285 |
| Return on Equity (ROE) | 10.0443% | 2,298 |
| Retained earnings to average equity (ytd only) | 10.0443% | 1,180 |
| Net charge-offs to loans | 0.0867% | 4,298 |
| Credit loss provision to net charge-offs | 428.5714% | 1,228 |
| Earnings coverage of net charge-offs (x) | 14.4286% | 1,668 |
| Efficiency ratio | 75.1027% | 3,643 |
| Assets per employee ($millions) | 3.5963% | 4,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 4,649 |
| Loan loss allowance to noncurrent loans | 65.8305% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 1.8447% | 3,149 |
| Noncurrent loans to loans | 1.8561% | 3,478 |
| Net loans and leases to total assets | 75.8485% | 2,300 |
| Net loans and leases to deposits | 90.7416% | 2,823 |
| Net loans and leases to core deposits | 132.7678% | 1,486 |
| Total domestic deposits to total assets | 83.5873% | 3,883 |
| Equity capital to assets | 10.2644% | 3,692 |
| Core capital (leverage) ratio | 9.9808% | 3,432 |
| Tier 1 risk-based capital ratio | 13.0993% | 4,123 |
| Total risk-based capital ratio | 14.3132% | 4,063 |
| Memoranda: | ||
| Average total assets | $125,884,000 | 4,498 |
| Average earning assets | $116,404,500 | 4,470 |
| Average equity | $12,743,500 | 4,642 |
| Average total loans | $96,874,500 | 4,121 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2794% | 620 |
| Cost of funding earning assets | 3.2232% | 1,117 |
| Net interest margin | 4.0563% | 2,888 |
| Noninterest income to average assets | 0.3982% | 5,484 |
| Noninterest expense to average assets | 2.7883% | 4,871 |
| Loan and lease loss provision to assets | 0.2838% | 4,113 |
| Net operating income to assets | 1.1032% | 2,132 |
| Return on assets (ROA) | 1.1032% | 2,046 |
| Pretax return on assets | 1.1032% | 3,017 |
| Return on Equity (ROE) | 11.0787% | 1,878 |
| Retained earnings to average equity (ytd only) | 1.7400% | 4,167 |
| Net charge-offs to loans | 0.7596% | 1,632 |
| Credit loss provision to net charge-offs | 47.8552% | 6,375 |
| Earnings coverage of net charge-offs (x) | 2.3391% | 4,919 |
| Efficiency ratio | 66.7809% | 4,953 |
| Assets per employee ($millions) | 3.7028% | 4,174 |
| Cash dividends to net income (ytd only)* | 84.2939% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1453% | 4,957 |
| Loan loss allowance to noncurrent loans | 83.7349% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.2852% | 3,655 |
| Noncurrent loans to loans | 1.3677% | 3,784 |
| Net loans and leases to total assets | 76.2407% | 2,558 |
| Net loans and leases to deposits | 91.0984% | 3,275 |
| Net loans and leases to core deposits | 135.4291% | 1,515 |
| Total domestic deposits to total assets | 83.6905% | 3,483 |
| Equity capital to assets | 9.9820% | 4,059 |
| Core capital (leverage) ratio | 9.9552% | 3,487 |
| Tier 1 risk-based capital ratio | 12.4945% | 4,439 |
| Total risk-based capital ratio | 13.6127% | 4,432 |
| Memoranda: | ||
| Average total assets | $125,810,600 | 4,377 |
| Average earning assets | $117,152,400 | 4,334 |
| Average equity | $12,528,600 | 4,693 |
| Average total loans | $98,211,800 | 4,000 |