Home > Georgia Primary Bank > Performance and Condition Ratios
Georgia Primary Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7709% | 865 |
| Cost of funding earning assets | 2.2257% | 614 |
| Net interest margin | 3.5452% | 2,084 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.8701% | 1,332 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.6667% | 3,277 |
| Return on assets (ROA) | 0.6667% | 3,261 |
| Pretax return on assets | 0.8616% | 3,062 |
| Return on Equity (ROE) | 7.8900% | 3,053 |
| Retained earnings to average equity (ytd only) | 7.8903% | 1,575 |
| Net charge-offs to loans | -0.0067% | 3,906 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.6056% | 1,287 |
| Assets per employee ($millions) | 8.1285% | 1,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1766% | 2,431 |
| Loan loss allowance to noncurrent loans | 66.3838% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 1.2425% | 343 |
| Noncurrent loans to loans | 1.7724% | 343 |
| Net loans and leases to total assets | 69.2800% | 1,890 |
| Net loans and leases to deposits | 75.8967% | 2,460 |
| Net loans and leases to core deposits | 114.9090% | 784 |
| Total domestic deposits to total assets | 91.2800% | 431 |
| Equity capital to assets | 8.1155% | 3,343 |
| Core capital (leverage) ratio | 10.7102% | 2,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5861% | 2,383 |
| Memoranda: | ||
| Average total assets | $308,834,600 | 2,386 |
| Average earning assets | $289,799,800 | 2,352 |
| Average equity | $26,095,200 | 2,456 |
| Average total loans | $222,740,000 | 2,144 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6661% | 831 |
| Cost of funding earning assets | 1.9324% | 810 |
| Net interest margin | 3.7338% | 1,718 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.9664% | 1,119 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.7418% | 3,197 |
| Return on assets (ROA) | 0.7418% | 3,190 |
| Pretax return on assets | 0.9564% | 2,965 |
| Return on Equity (ROE) | 8.6800% | 3,014 |
| Retained earnings to average equity (ytd only) | 8.6820% | 1,772 |
| Net charge-offs to loans | 0.0037% | 2,371 |
| Credit loss provision to net charge-offs | 1,150.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 376.0000% | 380 |
| Efficiency ratio | 74.7820% | 1,292 |
| Assets per employee ($millions) | 7.7576% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 2,438 |
| Loan loss allowance to noncurrent loans | 135.0200% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.6432% | 892 |
| Noncurrent loans to loans | 0.8784% | 941 |
| Net loans and leases to total assets | 72.3600% | 1,530 |
| Net loans and leases to deposits | 79.1067% | 2,130 |
| Net loans and leases to core deposits | 116.8100% | 641 |
| Total domestic deposits to total assets | 91.4700% | 564 |
| Equity capital to assets | 8.2480% | 2,888 |
| Core capital (leverage) ratio | 10.8068% | 2,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0305% | 2,262 |
| Memoranda: | ||
| Average total assets | $300,694,500 | 2,428 |
| Average earning assets | $281,924,750 | 2,401 |
| Average equity | $25,692,500 | 2,469 |
| Average total loans | $218,590,250 | 2,167 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5653% | 763 |
| Cost of funding earning assets | 1.6155% | 1,026 |
| Net interest margin | 3.9498% | 1,328 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.9843% | 1,068 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.8989% | 2,756 |
| Return on assets (ROA) | 0.8989% | 2,744 |
| Pretax return on assets | 1.1550% | 2,491 |
| Return on Equity (ROE) | 10.3900% | 2,599 |
| Retained earnings to average equity (ytd only) | 10.3944% | 1,313 |
| Net charge-offs to loans | 0.0074% | 1,954 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 218.5000% | 561 |
| Efficiency ratio | 71.7472% | 1,583 |
| Assets per employee ($millions) | 7.6598% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 2,446 |
| Loan loss allowance to noncurrent loans | 65.0149% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 1.3173% | 294 |
| Noncurrent loans to loans | 1.8450% | 323 |
| Net loans and leases to total assets | 70.5400% | 1,685 |
| Net loans and leases to deposits | 77.3692% | 2,189 |
| Net loans and leases to core deposits | 112.2821% | 741 |
| Total domestic deposits to total assets | 91.1800% | 596 |
| Equity capital to assets | 8.5567% | 2,816 |
| Core capital (leverage) ratio | 11.1257% | 1,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2561% | 2,194 |
| Memoranda: | ||
| Average total assets | $297,491,000 | 2,451 |
| Average earning assets | $278,800,667 | 2,429 |
| Average equity | $25,725,333 | 2,484 |
| Average total loans | $215,711,667 | 2,185 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8635% | 383 |
| Cost of funding earning assets | 1.4174% | 996 |
| Net interest margin | 4.4460% | 629 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 3.0931% | 950 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.0756% | 2,303 |
| Return on assets (ROA) | 1.0756% | 2,273 |
| Pretax return on assets | 1.3855% | 1,920 |
| Return on Equity (ROE) | 12.3700% | 2,124 |
| Retained earnings to average equity (ytd only) | 12.3707% | 1,200 |
| Net charge-offs to loans | -0.0486% | 4,351 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.5420% | 1,912 |
| Assets per employee ($millions) | 7.7138% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2633% | 2,226 |
| Loan loss allowance to noncurrent loans | 86.4109% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 1.0494% | 381 |
| Noncurrent loans to loans | 1.4619% | 448 |
| Net loans and leases to total assets | 70.8700% | 1,540 |
| Net loans and leases to deposits | 78.2297% | 1,945 |
| Net loans and leases to core deposits | 102.8726% | 973 |
| Total domestic deposits to total assets | 90.6000% | 945 |
| Equity capital to assets | 9.0286% | 2,496 |
| Core capital (leverage) ratio | 10.6826% | 2,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7809% | 2,056 |
| Memoranda: | ||
| Average total assets | $293,040,000 | 2,502 |
| Average earning assets | $274,582,000 | 2,480 |
| Average equity | $25,479,500 | 2,519 |
| Average total loans | $214,188,500 | 2,214 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5868% | 626 |
| Cost of funding earning assets | 0.6176% | 836 |
| Net interest margin | 3.9692% | 827 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.9763% | 1,003 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9420% | 2,806 |
| Return on assets (ROA) | 0.9406% | 2,753 |
| Pretax return on assets | 1.2126% | 2,395 |
| Return on Equity (ROE) | 10.7200% | 2,571 |
| Retained earnings to average equity (ytd only) | 10.7229% | 952 |
| Net charge-offs to loans | 0.0089% | 2,054 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 194.0000% | 655 |
| Efficiency ratio | 71.0232% | 1,558 |
| Assets per employee ($millions) | 7.5117% | 1,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 2,262 |
| Loan loss allowance to noncurrent loans | 420.4403% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.2171% | 2,072 |
| Noncurrent loans to loans | 0.2918% | 2,097 |
| Net loans and leases to total assets | 73.4900% | 1,265 |
| Net loans and leases to deposits | 85.1850% | 1,376 |
| Net loans and leases to core deposits | 106.7247% | 722 |
| Total domestic deposits to total assets | 86.2700% | 2,651 |
| Equity capital to assets | 8.3610% | 2,805 |
| Core capital (leverage) ratio | 10.5504% | 2,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0120% | 2,374 |
| Memoranda: | ||
| Average total assets | $287,570,000 | 2,514 |
| Average earning assets | $270,581,200 | 2,488 |
| Average equity | $25,226,400 | 2,566 |
| Average total loans | $202,202,000 | 2,212 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3971% | 591 |
| Cost of funding earning assets | 0.4878% | 800 |
| Net interest margin | 3.9093% | 784 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.9240% | 1,013 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9591% | 2,626 |
| Return on assets (ROA) | 0.9573% | 2,605 |
| Pretax return on assets | 1.2191% | 2,294 |
| Return on Equity (ROE) | 10.7800% | 2,473 |
| Retained earnings to average equity (ytd only) | 10.7831% | 1,109 |
| Net charge-offs to loans | -0.0040% | 3,426 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.5360% | 1,698 |
| Assets per employee ($millions) | 7.4438% | 1,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2586% | 2,224 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 72.9100% | 1,188 |
| Net loans and leases to deposits | 79.6417% | 1,595 |
| Net loans and leases to core deposits | 96.1123% | 993 |
| Total domestic deposits to total assets | 91.5500% | 1,027 |
| Equity capital to assets | 8.2209% | 2,737 |
| Core capital (leverage) ratio | 10.6673% | 1,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8990% | 2,516 |
| Memoranda: | ||
| Average total assets | $286,223,250 | 2,538 |
| Average earning assets | $269,774,500 | 2,518 |
| Average equity | $25,409,500 | 2,602 |
| Average total loans | $198,259,250 | 2,241 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2228% | 605 |
| Cost of funding earning assets | 0.4056% | 883 |
| Net interest margin | 3.8172% | 725 |
| Noninterest income to average assets | 0.4339% | 2,547 |
| Noninterest expense to average assets | 2.8273% | 1,119 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9471% | 2,370 |
| Return on assets (ROA) | 0.9471% | 2,343 |
| Pretax return on assets | 1.2076% | 2,051 |
| Return on Equity (ROE) | 10.4073% | 2,189 |
| Retained earnings to average equity (ytd only) | 10.4073% | 923 |
| Net charge-offs to loans | -0.0041% | 3,284 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0713% | 1,947 |
| Assets per employee ($millions) | 7.0337% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3060% | 2,165 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 72.4159% | 1,062 |
| Net loans and leases to deposits | 80.9160% | 1,318 |
| Net loans and leases to core deposits | 92.9238% | 978 |
| Total domestic deposits to total assets | 89.4952% | 1,950 |
| Equity capital to assets | 8.8840% | 2,465 |
| Core capital (leverage) ratio | 10.9648% | 1,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1860% | 2,417 |
| Memoranda: | ||
| Average total assets | $284,861,667 | 2,565 |
| Average earning assets | $268,730,000 | 2,547 |
| Average equity | $25,924,000 | 2,636 |
| Average total loans | $192,889,667 | 2,280 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9498% | 848 |
| Cost of funding earning assets | 0.4236% | 761 |
| Net interest margin | 3.5262% | 1,038 |
| Noninterest income to average assets | 0.4829% | 2,221 |
| Noninterest expense to average assets | 2.7716% | 1,211 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8192% | 2,599 |
| Return on assets (ROA) | 0.8192% | 2,589 |
| Pretax return on assets | 1.0453% | 2,309 |
| Return on Equity (ROE) | 8.8978% | 2,355 |
| Retained earnings to average equity (ytd only) | 8.8978% | 1,294 |
| Net charge-offs to loans | -0.0043% | 3,295 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6143% | 1,896 |
| Assets per employee ($millions) | 7.5763% | 1,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4025% | 1,893 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 65.7859% | 1,430 |
| Net loans and leases to deposits | 72.6787% | 1,727 |
| Net loans and leases to core deposits | 81.0130% | 1,422 |
| Total domestic deposits to total assets | 90.5161% | 1,287 |
| Equity capital to assets | 9.2987% | 2,441 |
| Core capital (leverage) ratio | 10.3234% | 1,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8928% | 2,262 |
| Memoranda: | ||
| Average total assets | $286,619,000 | 2,572 |
| Average earning assets | $270,998,000 | 2,550 |
| Average equity | $26,388,500 | 2,689 |
| Average total loans | $186,116,500 | 2,328 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1512% | 1,080 |
| Cost of funding earning assets | 0.5621% | 659 |
| Net interest margin | 3.5890% | 1,498 |
| Noninterest income to average assets | 0.6485% | 1,947 |
| Noninterest expense to average assets | 2.7887% | 1,390 |
| Loan and lease loss provision to assets | 0.0553% | 1,944 |
| Net operating income to assets | 0.9515% | 2,865 |
| Return on assets (ROA) | 0.9640% | 2,885 |
| Pretax return on assets | 1.2232% | 2,593 |
| Return on Equity (ROE) | 10.7080% | 2,274 |
| Retained earnings to average equity (ytd only) | 9.8070% | 968 |
| Net charge-offs to loans | -0.0040% | 3,502 |
| Credit loss provision to net charge-offs | -1,925.0000% | 4,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8342% | 1,879 |
| Assets per employee ($millions) | 7.7119% | 1,487 |
| Cash dividends to net income (ytd only)* | 8.4140% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4944% | 1,582 |
| Loan loss allowance to noncurrent loans | 2,804.1667% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 3,793 |
| Noncurrent loans to loans | 0.0533% | 3,701 |
| Net loans and leases to total assets | 62.1892% | 1,915 |
| Net loans and leases to deposits | 68.6272% | 2,251 |
| Net loans and leases to core deposits | 78.3430% | 1,732 |
| Total domestic deposits to total assets | 90.6189% | 660 |
| Equity capital to assets | 9.1141% | 3,500 |
| Core capital (leverage) ratio | 9.0616% | 3,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5278% | 2,438 |
| Memoranda: | ||
| Average total assets | $278,624,800 | 2,553 |
| Average earning assets | $264,165,800 | 2,528 |
| Average equity | $25,084,000 | 2,841 |
| Average total loans | $199,788,400 | 2,234 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1425% | 1,210 |
| Cost of funding earning assets | 0.5832% | 692 |
| Net interest margin | 3.5592% | 1,699 |
| Noninterest income to average assets | 0.6933% | 1,845 |
| Noninterest expense to average assets | 2.7726% | 1,403 |
| Loan and lease loss provision to assets | 0.0740% | 1,566 |
| Net operating income to assets | 0.9707% | 3,016 |
| Return on assets (ROA) | 0.9874% | 3,035 |
| Pretax return on assets | 1.2435% | 2,791 |
| Return on Equity (ROE) | 11.0029% | 2,366 |
| Retained earnings to average equity (ytd only) | 9.7905% | 1,384 |
| Net charge-offs to loans | -0.0039% | 3,360 |
| Credit loss provision to net charge-offs | -2,566.6667% | 4,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1377% | 1,807 |
| Assets per employee ($millions) | 7.6331% | 1,486 |
| Cash dividends to net income (ytd only)* | 11.0190% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4012% | 2,011 |
| Loan loss allowance to noncurrent loans | 2,663.3663% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 3,917 |
| Noncurrent loans to loans | 0.0526% | 3,849 |
| Net loans and leases to total assets | 67.0232% | 1,428 |
| Net loans and leases to deposits | 75.7770% | 1,689 |
| Net loans and leases to core deposits | 86.9181% | 1,222 |
| Total domestic deposits to total assets | 88.4479% | 1,598 |
| Equity capital to assets | 9.1089% | 3,733 |
| Core capital (leverage) ratio | 9.2209% | 3,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8650% | 2,752 |
| Memoranda: | ||
| Average total assets | $276,946,250 | 2,574 |
| Average earning assets | $262,672,000 | 2,556 |
| Average equity | $24,853,500 | 2,898 |
| Average total loans | $204,700,000 | 2,240 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1102% | 1,323 |
| Cost of funding earning assets | 0.6154% | 687 |
| Net interest margin | 3.4948% | 1,870 |
| Noninterest income to average assets | 0.7524% | 1,669 |
| Noninterest expense to average assets | 2.6774% | 1,648 |
| Loan and lease loss provision to assets | 0.0858% | 1,432 |
| Net operating income to assets | 0.9750% | 2,976 |
| Return on assets (ROA) | 1.0003% | 2,963 |
| Pretax return on assets | 1.3361% | 2,530 |
| Return on Equity (ROE) | 11.2040% | 2,347 |
| Retained earnings to average equity (ytd only) | 9.3638% | 1,598 |
| Net charge-offs to loans | -0.0029% | 3,275 |
| Credit loss provision to net charge-offs | -3,933.3333% | 3,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8266% | 2,188 |
| Assets per employee ($millions) | 7.3901% | 1,539 |
| Cash dividends to net income (ytd only)* | 16.4244% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3386% | 2,252 |
| Loan loss allowance to noncurrent loans | 2,549.0385% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 4,001 |
| Noncurrent loans to loans | 0.0525% | 3,915 |
| Net loans and leases to total assets | 71.4590% | 1,027 |
| Net loans and leases to deposits | 80.5220% | 1,381 |
| Net loans and leases to core deposits | 93.6957% | 919 |
| Total domestic deposits to total assets | 88.7447% | 1,418 |
| Equity capital to assets | 9.1642% | 3,642 |
| Core capital (leverage) ratio | 9.3615% | 3,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2731% | 2,620 |
| Memoranda: | ||
| Average total assets | $275,119,667 | 2,578 |
| Average earning assets | $260,960,000 | 2,552 |
| Average equity | $24,562,667 | 2,905 |
| Average total loans | $208,939,667 | 2,217 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0071% | 1,598 |
| Cost of funding earning assets | 0.6401% | 734 |
| Net interest margin | 3.3670% | 2,199 |
| Noninterest income to average assets | 0.2826% | 3,707 |
| Noninterest expense to average assets | 2.5003% | 2,173 |
| Loan and lease loss provision to assets | 0.0377% | 2,271 |
| Net operating income to assets | 0.7033% | 3,696 |
| Return on assets (ROA) | 0.7537% | 3,631 |
| Pretax return on assets | 1.0030% | 3,360 |
| Return on Equity (ROE) | 8.5544% | 3,172 |
| Retained earnings to average equity (ytd only) | 8.5544% | 2,077 |
| Net charge-offs to loans | -0.0037% | 3,288 |
| Credit loss provision to net charge-offs | -1,300.0000% | 3,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9050% | 1,506 |
| Assets per employee ($millions) | 7.9977% | 1,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1872% | 2,993 |
| Loan loss allowance to noncurrent loans | 2,390.6542% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 4,099 |
| Noncurrent loans to loans | 0.0497% | 4,038 |
| Net loans and leases to total assets | 76.0626% | 626 |
| Net loans and leases to deposits | 93.0576% | 542 |
| Net loans and leases to core deposits | 109.8849% | 412 |
| Total domestic deposits to total assets | 81.7372% | 3,946 |
| Equity capital to assets | 8.6768% | 3,978 |
| Core capital (leverage) ratio | 9.6765% | 2,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2313% | 2,585 |
| Memoranda: | ||
| Average total assets | $275,962,000 | 2,564 |
| Average earning assets | $261,834,000 | 2,541 |
| Average equity | $24,315,000 | 2,908 |
| Average total loans | $214,387,000 | 2,184 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8076% | 730 |
| Cost of funding earning assets | 0.9880% | 616 |
| Net interest margin | 3.8196% | 1,448 |
| Noninterest income to average assets | 0.5338% | 2,493 |
| Noninterest expense to average assets | 2.9376% | 1,578 |
| Loan and lease loss provision to assets | 0.1786% | 2,164 |
| Net operating income to assets | 0.8144% | 3,034 |
| Return on assets (ROA) | 0.9055% | 2,807 |
| Pretax return on assets | 1.2113% | 2,290 |
| Return on Equity (ROE) | 9.7579% | 2,089 |
| Retained earnings to average equity (ytd only) | 9.7579% | 634 |
| Net charge-offs to loans | -0.0281% | 4,514 |
| Credit loss provision to net charge-offs | -842.5926% | 4,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7419% | 1,982 |
| Assets per employee ($millions) | 7.5557% | 1,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1861% | 3,024 |
| Loan loss allowance to noncurrent loans | 2,300.0000% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 4,146 |
| Noncurrent loans to loans | 0.0516% | 4,086 |
| Net loans and leases to total assets | 77.4884% | 649 |
| Net loans and leases to deposits | 95.1039% | 592 |
| Net loans and leases to core deposits | 115.1859% | 381 |
| Total domestic deposits to total assets | 81.4776% | 3,765 |
| Equity capital to assets | 8.9491% | 4,105 |
| Core capital (leverage) ratio | 9.1510% | 3,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8262% | 2,693 |
| Memoranda: | ||
| Average total assets | $254,767,800 | 2,548 |
| Average earning assets | $245,341,800 | 2,489 |
| Average equity | $23,642,400 | 2,897 |
| Average total loans | $191,878,800 | 2,309 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0810% | 520 |
| Cost of funding earning assets | 1.0673% | 604 |
| Net interest margin | 4.0137% | 1,085 |
| Noninterest income to average assets | 0.4195% | 2,988 |
| Noninterest expense to average assets | 2.9093% | 1,679 |
| Loan and lease loss provision to assets | 0.1010% | 3,055 |
| Net operating income to assets | 0.9512% | 2,514 |
| Return on assets (ROA) | 0.9630% | 2,609 |
| Pretax return on assets | 1.3058% | 2,025 |
| Return on Equity (ROE) | 10.2778% | 1,916 |
| Retained earnings to average equity (ytd only) | 10.2778% | 705 |
| Net charge-offs to loans | -0.0343% | 4,571 |
| Credit loss provision to net charge-offs | -395.8333% | 3,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6361% | 2,235 |
| Assets per employee ($millions) | 7.5323% | 1,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 3,578 |
| Loan loss allowance to noncurrent loans | 1,999.1150% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 4,248 |
| Noncurrent loans to loans | 0.0514% | 4,168 |
| Net loans and leases to total assets | 78.1159% | 818 |
| Net loans and leases to deposits | 95.9137% | 764 |
| Net loans and leases to core deposits | 114.6661% | 533 |
| Total domestic deposits to total assets | 81.4439% | 3,553 |
| Equity capital to assets | 8.6184% | 4,389 |
| Core capital (leverage) ratio | 9.0795% | 3,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9583% | 2,629 |
| Memoranda: | ||
| Average total assets | $250,458,250 | 2,560 |
| Average earning assets | $242,228,750 | 2,500 |
| Average equity | $23,467,500 | 2,905 |
| Average total loans | $186,522,750 | 2,362 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0963% | 690 |
| Cost of funding earning assets | 1.2012% | 502 |
| Net interest margin | 3.8950% | 1,581 |
| Noninterest income to average assets | 0.3294% | 3,499 |
| Noninterest expense to average assets | 2.9463% | 1,726 |
| Loan and lease loss provision to assets | 0.0415% | 3,758 |
| Net operating income to assets | 0.8090% | 3,014 |
| Return on assets (ROA) | 0.8090% | 3,128 |
| Pretax return on assets | 1.1027% | 2,700 |
| Return on Equity (ROE) | 8.3750% | 2,605 |
| Retained earnings to average equity (ytd only) | 8.3750% | 1,197 |
| Net charge-offs to loans | -0.1095% | 4,866 |
| Credit loss provision to net charge-offs | -52.0833% | 3,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0284% | 1,678 |
| Assets per employee ($millions) | 7.7283% | 1,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 3,527 |
| Loan loss allowance to noncurrent loans | 685.7595% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 3,961 |
| Noncurrent loans to loans | 0.1471% | 3,867 |
| Net loans and leases to total assets | 76.4124% | 1,072 |
| Net loans and leases to deposits | 92.8447% | 1,067 |
| Net loans and leases to core deposits | 106.6303% | 867 |
| Total domestic deposits to total assets | 82.3013% | 3,289 |
| Equity capital to assets | 8.2701% | 4,603 |
| Core capital (leverage) ratio | 8.7741% | 4,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5795% | 2,779 |
| Memoranda: | ||
| Average total assets | $241,046,000 | 2,599 |
| Average earning assets | $232,759,333 | 2,532 |
| Average equity | $23,283,667 | 2,911 |
| Average total loans | $175,375,667 | 2,430 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6979% | 1,711 |
| Cost of funding earning assets | 1.4176% | 365 |
| Net interest margin | 3.2803% | 3,643 |
| Noninterest income to average assets | 0.3524% | 3,412 |
| Noninterest expense to average assets | 2.9578% | 1,991 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3938% | 4,149 |
| Return on assets (ROA) | 0.3938% | 4,183 |
| Pretax return on assets | 0.5484% | 4,038 |
| Return on Equity (ROE) | 3.7402% | 4,023 |
| Retained earnings to average equity (ytd only) | 3.7402% | 2,786 |
| Net charge-offs to loans | -0.2415% | 4,962 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3590% | 806 |
| Assets per employee ($millions) | 6.7790% | 1,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3616% | 1,853 |
| Loan loss allowance to noncurrent loans | 1,215.5172% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0733% | 4,235 |
| Noncurrent loans to loans | 0.1120% | 4,072 |
| Net loans and leases to total assets | 64.5739% | 2,993 |
| Net loans and leases to deposits | 71.2670% | 3,499 |
| Net loans and leases to core deposits | 84.3242% | 2,823 |
| Total domestic deposits to total assets | 90.6084% | 165 |
| Equity capital to assets | 9.2512% | 4,429 |
| Core capital (leverage) ratio | 9.7696% | 3,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6389% | 2,871 |
| Memoranda: | ||
| Average total assets | $222,460,000 | 2,695 |
| Average earning assets | $213,881,000 | 2,630 |
| Average equity | $23,421,000 | 2,890 |
| Average total loans | $155,683,500 | 2,582 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4424% | 616 |
| Cost of funding earning assets | 1.5591% | 336 |
| Net interest margin | 3.8833% | 2,232 |
| Noninterest income to average assets | 0.4761% | 2,871 |
| Noninterest expense to average assets | 3.0160% | 1,976 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8411% | 3,414 |
| Return on assets (ROA) | 0.8470% | 3,487 |
| Pretax return on assets | 1.1724% | 2,940 |
| Return on Equity (ROE) | 7.1193% | 3,511 |
| Retained earnings to average equity (ytd only) | 7.1193% | 1,344 |
| Net charge-offs to loans | -0.0107% | 4,484 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1356% | 1,847 |
| Assets per employee ($millions) | 6.1075% | 1,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 1,945 |
| Loan loss allowance to noncurrent loans | 1,670.2479% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 4,331 |
| Noncurrent loans to loans | 0.0775% | 4,217 |
| Net loans and leases to total assets | 74.1710% | 1,723 |
| Net loans and leases to deposits | 84.4504% | 2,286 |
| Net loans and leases to core deposits | 105.6263% | 1,131 |
| Total domestic deposits to total assets | 87.8278% | 1,212 |
| Equity capital to assets | 11.9872% | 2,140 |
| Core capital (leverage) ratio | 11.8220% | 1,881 |
| Tier 1 risk-based capital ratio | 13.5737% | 3,472 |
| Total risk-based capital ratio | 14.7032% | 3,436 |
| Memoranda: | ||
| Average total assets | $202,486,200 | 2,819 |
| Average earning assets | $193,186,400 | 2,768 |
| Average equity | $24,089,400 | 2,787 |
| Average total loans | $149,539,200 | 2,623 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4997% | 584 |
| Cost of funding earning assets | 1.5534% | 346 |
| Net interest margin | 3.9462% | 2,116 |
| Noninterest income to average assets | 0.5017% | 2,721 |
| Noninterest expense to average assets | 2.9549% | 2,093 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9438% | 3,190 |
| Return on assets (ROA) | 0.9516% | 3,236 |
| Pretax return on assets | 1.3141% | 2,619 |
| Return on Equity (ROE) | 8.0147% | 3,303 |
| Retained earnings to average equity (ytd only) | 8.0147% | 1,385 |
| Net charge-offs to loans | 0.0063% | 3,159 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 281.2358% | 326 |
| Efficiency ratio | 69.3792% | 2,209 |
| Assets per employee ($millions) | 6.8672% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 1,915 |
| Loan loss allowance to noncurrent loans | 1,611.2903% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 4,423 |
| Noncurrent loans to loans | 0.0815% | 4,279 |
| Net loans and leases to total assets | 68.3548% | 2,737 |
| Net loans and leases to deposits | 77.3106% | 3,168 |
| Net loans and leases to core deposits | 96.7374% | 1,941 |
| Total domestic deposits to total assets | 88.4159% | 864 |
| Equity capital to assets | 11.3539% | 2,793 |
| Core capital (leverage) ratio | 11.6249% | 2,127 |
| Tier 1 risk-based capital ratio | 13.5920% | 3,524 |
| Total risk-based capital ratio | 14.7152% | 3,500 |
| Memoranda: | ||
| Average total assets | $201,194,250 | 2,849 |
| Average earning assets | $191,569,500 | 2,801 |
| Average equity | $23,888,750 | 2,814 |
| Average total loans | $147,914,000 | 2,670 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6477% | 439 |
| Cost of funding earning assets | 1.5556% | 318 |
| Net interest margin | 4.0920% | 1,634 |
| Noninterest income to average assets | 0.2872% | 4,020 |
| Noninterest expense to average assets | 3.0799% | 1,793 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7984% | 3,660 |
| Return on assets (ROA) | 0.8082% | 3,681 |
| Pretax return on assets | 1.1179% | 3,182 |
| Return on Equity (ROE) | 6.6964% | 3,795 |
| Retained earnings to average equity (ytd only) | 6.6964% | 1,955 |
| Net charge-offs to loans | -0.0191% | 4,530 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5849% | 1,689 |
| Assets per employee ($millions) | 6.1993% | 1,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3575% | 1,787 |
| Loan loss allowance to noncurrent loans | 668.5430% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.1522% | 4,002 |
| Noncurrent loans to loans | 0.2031% | 3,823 |
| Net loans and leases to total assets | 73.9565% | 1,900 |
| Net loans and leases to deposits | 85.4383% | 2,319 |
| Net loans and leases to core deposits | 108.0783% | 1,100 |
| Total domestic deposits to total assets | 86.5614% | 1,793 |
| Equity capital to assets | 12.2555% | 2,018 |
| Core capital (leverage) ratio | 12.1199% | 1,743 |
| Tier 1 risk-based capital ratio | 13.9301% | 3,357 |
| Total risk-based capital ratio | 15.1328% | 3,283 |
| Memoranda: | ||
| Average total assets | $195,009,330 | 2,913 |
| Average earning assets | $185,775,670 | 2,866 |
| Average equity | $23,535,000 | 2,839 |
| Average total loans | $146,483,000 | 2,692 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6600% | 385 |
| Cost of funding earning assets | 1.5060% | 320 |
| Net interest margin | 4.1540% | 1,421 |
| Noninterest income to average assets | 0.3166% | 3,742 |
| Noninterest expense to average assets | 2.9836% | 2,039 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9289% | 3,123 |
| Return on assets (ROA) | 0.8897% | 3,326 |
| Pretax return on assets | 1.2269% | 2,709 |
| Return on Equity (ROE) | 7.4309% | 3,486 |
| Retained earnings to average equity (ytd only) | 7.4309% | 1,875 |
| Net charge-offs to loans | -0.0055% | 4,050 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0340% | 2,333 |
| Assets per employee ($millions) | 6.2042% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3627% | 1,820 |
| Loan loss allowance to noncurrent loans | 583.4302% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.1789% | 3,922 |
| Noncurrent loans to loans | 0.2336% | 3,738 |
| Net loans and leases to total assets | 75.5316% | 1,552 |
| Net loans and leases to deposits | 90.5182% | 1,567 |
| Net loans and leases to core deposits | 107.5437% | 1,072 |
| Total domestic deposits to total assets | 83.4436% | 3,239 |
| Equity capital to assets | 12.2389% | 1,885 |
| Core capital (leverage) ratio | 11.8886% | 1,838 |
| Tier 1 risk-based capital ratio | 13.4857% | 3,611 |
| Total risk-based capital ratio | 14.6701% | 3,551 |
| Memoranda: | ||
| Average total assets | $193,326,000 | 2,965 |
| Average earning assets | $183,532,500 | 2,916 |
| Average equity | $23,146,500 | 2,871 |
| Average total loans | $145,359,000 | 2,735 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3678% | 508 |
| Cost of funding earning assets | 1.0899% | 515 |
| Net interest margin | 4.2779% | 1,206 |
| Noninterest income to average assets | 0.2999% | 4,101 |
| Noninterest expense to average assets | 3.1773% | 1,607 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8272% | 3,703 |
| Return on assets (ROA) | 0.8083% | 3,774 |
| Pretax return on assets | 1.1265% | 3,183 |
| Return on Equity (ROE) | 6.7020% | 3,935 |
| Retained earnings to average equity (ytd only) | 6.7020% | 1,821 |
| Net charge-offs to loans | -0.0888% | 5,121 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4158% | 1,709 |
| Assets per employee ($millions) | 7.1971% | 902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 1,649 |
| Loan loss allowance to noncurrent loans | 88.0545% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.1718% | 1,118 |
| Noncurrent loans to loans | 1.5874% | 925 |
| Net loans and leases to total assets | 72.7843% | 2,131 |
| Net loans and leases to deposits | 88.4224% | 1,999 |
| Net loans and leases to core deposits | 107.4864% | 1,159 |
| Total domestic deposits to total assets | 82.3144% | 3,550 |
| Equity capital to assets | 11.7094% | 2,091 |
| Core capital (leverage) ratio | 11.8847% | 1,812 |
| Tier 1 risk-based capital ratio | 13.2769% | 3,676 |
| Total risk-based capital ratio | 14.4747% | 3,594 |
| Memoranda: | ||
| Average total assets | $179,398,200 | 3,059 |
| Average earning assets | $168,915,000 | 3,039 |
| Average equity | $21,635,200 | 2,925 |
| Average total loans | $128,349,600 | 2,896 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0535% | 833 |
| Cost of funding earning assets | 0.9915% | 621 |
| Net interest margin | 4.0620% | 1,752 |
| Noninterest income to average assets | 0.2748% | 4,317 |
| Noninterest expense to average assets | 3.2530% | 1,402 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5935% | 4,519 |
| Return on assets (ROA) | 0.5935% | 4,526 |
| Pretax return on assets | 0.8372% | 4,203 |
| Return on Equity (ROE) | 4.8823% | 4,601 |
| Retained earnings to average equity (ytd only) | 4.8823% | 3,301 |
| Net charge-offs to loans | -0.0749% | 5,075 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5324% | 988 |
| Assets per employee ($millions) | 7.1602% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4684% | 1,456 |
| Loan loss allowance to noncurrent loans | 67.6907% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 1.5561% | 814 |
| Noncurrent loans to loans | 2.1693% | 656 |
| Net loans and leases to total assets | 70.6808% | 2,544 |
| Net loans and leases to deposits | 84.0496% | 2,593 |
| Net loans and leases to core deposits | 98.3107% | 1,912 |
| Total domestic deposits to total assets | 84.0942% | 2,910 |
| Equity capital to assets | 11.5392% | 2,235 |
| Core capital (leverage) ratio | 11.6696% | 2,027 |
| Tier 1 risk-based capital ratio | 13.6290% | 3,557 |
| Total risk-based capital ratio | 14.8790% | 3,468 |
| Memoranda: | ||
| Average total assets | $175,667,250 | 3,122 |
| Average earning assets | $165,004,750 | 3,097 |
| Average equity | $21,355,500 | 2,968 |
| Average total loans | $124,576,750 | 2,973 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9321% | 953 |
| Cost of funding earning assets | 0.8417% | 956 |
| Net interest margin | 4.0905% | 1,589 |
| Noninterest income to average assets | 0.3578% | 3,764 |
| Noninterest expense to average assets | 3.3549% | 1,209 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5866% | 4,540 |
| Return on assets (ROA) | 0.5866% | 4,537 |
| Pretax return on assets | 0.8306% | 4,160 |
| Return on Equity (ROE) | 4.7388% | 4,621 |
| Retained earnings to average equity (ytd only) | 4.7388% | 3,214 |
| Net charge-offs to loans | -0.0757% | 5,063 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1554% | 1,007 |
| Assets per employee ($millions) | 6.6820% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5414% | 1,267 |
| Loan loss allowance to noncurrent loans | 62.3030% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 2.7571% | 290 |
| Noncurrent loans to loans | 2.4740% | 527 |
| Net loans and leases to total assets | 71.2200% | 2,406 |
| Net loans and leases to deposits | 85.3095% | 2,400 |
| Net loans and leases to core deposits | 98.3108% | 1,869 |
| Total domestic deposits to total assets | 83.4843% | 3,254 |
| Equity capital to assets | 12.3288% | 1,647 |
| Core capital (leverage) ratio | 12.2624% | 1,559 |
| Tier 1 risk-based capital ratio | 14.0273% | 3,348 |
| Total risk-based capital ratio | 15.2782% | 3,266 |
| Memoranda: | ||
| Average total assets | $172,168,000 | 3,189 |
| Average earning assets | $161,106,670 | 3,173 |
| Average equity | $21,313,330 | 2,986 |
| Average total loans | $121,587,670 | 3,017 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7576% | 1,169 |
| Cost of funding earning assets | 0.7738% | 1,084 |
| Net interest margin | 3.9838% | 1,776 |
| Noninterest income to average assets | 0.5205% | 2,683 |
| Noninterest expense to average assets | 3.4542% | 1,076 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5508% | 4,574 |
| Return on assets (ROA) | 0.5508% | 4,577 |
| Pretax return on assets | 0.7912% | 4,170 |
| Return on Equity (ROE) | 4.4402% | 4,649 |
| Retained earnings to average equity (ytd only) | 4.4402% | 3,421 |
| Net charge-offs to loans | -0.0770% | 5,136 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3634% | 1,014 |
| Assets per employee ($millions) | 6.6387% | 1,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6005% | 1,156 |
| Loan loss allowance to noncurrent loans | 61.0332% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 2.7908% | 305 |
| Noncurrent loans to loans | 2.6223% | 495 |
| Net loans and leases to total assets | 68.1765% | 2,746 |
| Net loans and leases to deposits | 80.5531% | 2,747 |
| Net loans and leases to core deposits | 91.9638% | 2,307 |
| Total domestic deposits to total assets | 84.6354% | 3,059 |
| Equity capital to assets | 12.2899% | 1,610 |
| Core capital (leverage) ratio | 11.9524% | 1,677 |
| Tier 1 risk-based capital ratio | 14.3717% | 3,181 |
| Total risk-based capital ratio | 15.6228% | 3,101 |
| Memoranda: | ||
| Average total assets | $171,386,000 | 3,235 |
| Average earning assets | $160,250,000 | 3,216 |
| Average equity | $21,260,500 | 3,024 |
| Average total loans | $119,547,000 | 3,071 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6440% | 1,325 |
| Cost of funding earning assets | 0.7347% | 873 |
| Net interest margin | 3.9092% | 2,058 |
| Noninterest income to average assets | 0.3444% | 4,005 |
| Noninterest expense to average assets | 3.3180% | 1,337 |
| Loan and lease loss provision to assets | -0.1173% | 5,502 |
| Net operating income to assets | 1.5059% | 789 |
| Return on assets (ROA) | 1.5059% | 806 |
| Pretax return on assets | 0.8019% | 4,232 |
| Return on Equity (ROE) | 12.9551% | 960 |
| Retained earnings to average equity (ytd only) | 12.9551% | 135 |
| Net charge-offs to loans | -0.0895% | 5,340 |
| Credit loss provision to net charge-offs | 181.8182% | 1,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8961% | 860 |
| Assets per employee ($millions) | 6.5449% | 1,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5824% | 1,177 |
| Loan loss allowance to noncurrent loans | 28.3806% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 4.9663% | 92 |
| Noncurrent loans to loans | 5.5755% | 105 |
| Net loans and leases to total assets | 69.1162% | 2,662 |
| Net loans and leases to deposits | 81.9397% | 2,722 |
| Net loans and leases to core deposits | 93.9251% | 2,205 |
| Total domestic deposits to total assets | 84.3501% | 3,082 |
| Equity capital to assets | 12.5218% | 1,506 |
| Core capital (leverage) ratio | 12.1312% | 1,540 |
| Tier 1 risk-based capital ratio | 14.2073% | 3,248 |
| Total risk-based capital ratio | 15.4615% | 3,140 |
| Memoranda: | ||
| Average total assets | $170,461,800 | 3,241 |
| Average earning assets | $159,519,200 | 3,206 |
| Average equity | $19,814,600 | 3,166 |
| Average total loans | $122,905,800 | 3,015 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6832% | 1,177 |
| Cost of funding earning assets | 0.7342% | 828 |
| Net interest margin | 3.9490% | 1,865 |
| Noninterest income to average assets | 0.4019% | 3,672 |
| Noninterest expense to average assets | 3.2360% | 1,486 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8624% | 3,216 |
| Return on assets (ROA) | 0.8624% | 3,267 |
| Pretax return on assets | 0.8624% | 4,167 |
| Return on Equity (ROE) | 7.5645% | 3,363 |
| Retained earnings to average equity (ytd only) | 7.5645% | 1,405 |
| Net charge-offs to loans | -0.0765% | 5,303 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9584% | 1,218 |
| Assets per employee ($millions) | 7.0198% | 946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6802% | 1,068 |
| Loan loss allowance to noncurrent loans | 31.1712% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 4.9853% | 104 |
| Noncurrent loans to loans | 5.3901% | 133 |
| Net loans and leases to total assets | 71.2741% | 2,367 |
| Net loans and leases to deposits | 84.0324% | 2,557 |
| Net loans and leases to core deposits | 95.9619% | 2,080 |
| Total domestic deposits to total assets | 84.8173% | 2,794 |
| Equity capital to assets | 11.9596% | 1,989 |
| Core capital (leverage) ratio | 11.5298% | 1,995 |
| Tier 1 risk-based capital ratio | 13.8424% | 3,514 |
| Total risk-based capital ratio | 15.0955% | 3,444 |
| Memoranda: | ||
| Average total assets | $170,535,500 | 3,263 |
| Average earning assets | $159,629,500 | 3,230 |
| Average equity | $19,441,250 | 3,229 |
| Average total loans | $123,756,250 | 3,031 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6624% | 1,134 |
| Cost of funding earning assets | 0.7167% | 821 |
| Net interest margin | 3.9457% | 1,796 |
| Noninterest income to average assets | 0.3738% | 3,883 |
| Noninterest expense to average assets | 3.2496% | 1,474 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8153% | 3,331 |
| Return on assets (ROA) | 0.8153% | 3,380 |
| Pretax return on assets | 0.8153% | 4,215 |
| Return on Equity (ROE) | 7.2688% | 3,413 |
| Retained earnings to average equity (ytd only) | 7.2688% | 1,465 |
| Net charge-offs to loans | -0.0805% | 5,346 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9425% | 1,213 |
| Assets per employee ($millions) | 7.0048% | 934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6293% | 1,197 |
| Loan loss allowance to noncurrent loans | 30.5184% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 4.8372% | 115 |
| Noncurrent loans to loans | 5.3387% | 130 |
| Net loans and leases to total assets | 70.0224% | 2,522 |
| Net loans and leases to deposits | 81.7482% | 2,724 |
| Net loans and leases to core deposits | 92.2290% | 2,320 |
| Total domestic deposits to total assets | 85.6562% | 2,546 |
| Equity capital to assets | 11.2865% | 2,507 |
| Core capital (leverage) ratio | 10.9449% | 2,463 |
| Tier 1 risk-based capital ratio | 13.3737% | 3,763 |
| Total risk-based capital ratio | 14.6266% | 3,679 |
| Memoranda: | ||
| Average total assets | $171,222,330 | 3,264 |
| Average earning assets | $160,174,670 | 3,241 |
| Average equity | $19,205,330 | 3,252 |
| Average total loans | $124,298,000 | 3,035 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7348% | 875 |
| Cost of funding earning assets | 0.7076% | 811 |
| Net interest margin | 4.0272% | 1,397 |
| Noninterest income to average assets | 0.0354% | 5,753 |
| Noninterest expense to average assets | 3.2445% | 1,491 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5435% | 4,409 |
| Return on assets (ROA) | 0.5435% | 4,449 |
| Pretax return on assets | 0.5435% | 4,857 |
| Return on Equity (ROE) | 4.8612% | 4,451 |
| Retained earnings to average equity (ytd only) | 4.8612% | 2,977 |
| Net charge-offs to loans | -0.0806% | 5,375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6519% | 828 |
| Assets per employee ($millions) | 6.6312% | 1,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6120% | 1,350 |
| Loan loss allowance to noncurrent loans | 29.9135% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 4.9428% | 121 |
| Noncurrent loans to loans | 5.3890% | 142 |
| Net loans and leases to total assets | 71.0113% | 2,221 |
| Net loans and leases to deposits | 82.6740% | 2,439 |
| Net loans and leases to core deposits | 93.1857% | 2,050 |
| Total domestic deposits to total assets | 85.8931% | 2,721 |
| Equity capital to assets | 11.0775% | 2,558 |
| Core capital (leverage) ratio | 11.0581% | 2,301 |
| Tier 1 risk-based capital ratio | 12.9080% | 4,140 |
| Total risk-based capital ratio | 14.1602% | 4,035 |
| Memoranda: | ||
| Average total assets | $169,273,000 | 3,318 |
| Average earning assets | $157,726,000 | 3,300 |
| Average equity | $18,925,500 | 3,297 |
| Average total loans | $124,119,500 | 3,053 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4739% | 1,618 |
| Cost of funding earning assets | 0.6369% | 1,129 |
| Net interest margin | 3.8370% | 2,180 |
| Noninterest income to average assets | -0.2342% | 5,901 |
| Noninterest expense to average assets | 3.1984% | 1,794 |
| Loan and lease loss provision to assets | -0.4697% | 5,873 |
| Net operating income to assets | 0.9814% | 2,429 |
| Return on assets (ROA) | 1.0897% | 2,041 |
| Pretax return on assets | 0.6920% | 4,518 |
| Return on Equity (ROE) | 9.6473% | 2,128 |
| Retained earnings to average equity (ytd only) | 9.6473% | 472 |
| Net charge-offs to loans | -0.1485% | 5,681 |
| Credit loss provision to net charge-offs | 454.5455% | 708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5589% | 293 |
| Assets per employee ($millions) | 6.9223% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6001% | 1,374 |
| Loan loss allowance to noncurrent loans | 27.8661% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 5.5461% | 100 |
| Noncurrent loans to loans | 5.7423% | 114 |
| Net loans and leases to total assets | 73.3264% | 1,954 |
| Net loans and leases to deposits | 85.6916% | 2,223 |
| Net loans and leases to core deposits | 95.9908% | 1,926 |
| Total domestic deposits to total assets | 85.5701% | 2,795 |
| Equity capital to assets | 11.2873% | 2,337 |
| Core capital (leverage) ratio | 11.3599% | 2,032 |
| Tier 1 risk-based capital ratio | 13.0427% | 4,040 |
| Total risk-based capital ratio | 14.2971% | 3,952 |
| Memoranda: | ||
| Average total assets | $159,671,800 | 3,398 |
| Average earning assets | $147,590,200 | 3,396 |
| Average equity | $18,036,200 | 3,401 |
| Average total loans | $111,104,800 | 3,203 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4686% | 1,638 |
| Cost of funding earning assets | 0.6254% | 1,166 |
| Net interest margin | 3.8432% | 2,183 |
| Noninterest income to average assets | 0.1223% | 5,635 |
| Noninterest expense to average assets | 3.2249% | 1,722 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4378% | 4,912 |
| Return on assets (ROA) | 0.5483% | 4,611 |
| Pretax return on assets | 0.5483% | 5,009 |
| Return on Equity (ROE) | 4.8532% | 4,579 |
| Retained earnings to average equity (ytd only) | 4.8532% | 2,927 |
| Net charge-offs to loans | -0.1569% | 5,700 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0470% | 668 |
| Assets per employee ($millions) | 6.7930% | 965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4126% | 371 |
| Loan loss allowance to noncurrent loans | 39.6554% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 7.0655% | 71 |
| Noncurrent loans to loans | 6.0840% | 112 |
| Net loans and leases to total assets | 66.8139% | 2,988 |
| Net loans and leases to deposits | 75.4553% | 3,457 |
| Net loans and leases to core deposits | 83.2147% | 3,195 |
| Total domestic deposits to total assets | 88.5476% | 1,133 |
| Equity capital to assets | 11.2193% | 2,777 |
| Core capital (leverage) ratio | 11.0655% | 2,384 |
| Tier 1 risk-based capital ratio | 13.7507% | 3,704 |
| Total risk-based capital ratio | 15.0105% | 3,618 |
| Memoranda: | ||
| Average total assets | $158,056,250 | 3,429 |
| Average earning assets | $145,605,000 | 3,444 |
| Average equity | $17,857,250 | 3,457 |
| Average total loans | $107,930,750 | 3,255 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4453% | 1,691 |
| Cost of funding earning assets | 0.6087% | 1,257 |
| Net interest margin | 3.8366% | 2,189 |
| Noninterest income to average assets | 0.0818% | 5,837 |
| Noninterest expense to average assets | 3.2494% | 1,698 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3708% | 5,122 |
| Return on assets (ROA) | 0.4808% | 4,856 |
| Pretax return on assets | 0.4808% | 5,171 |
| Return on Equity (ROE) | 4.2455% | 4,822 |
| Retained earnings to average equity (ytd only) | 4.2455% | 3,209 |
| Net charge-offs to loans | -0.2062% | 5,817 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7563% | 617 |
| Assets per employee ($millions) | 8.1157% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4158% | 402 |
| Loan loss allowance to noncurrent loans | 43.2800% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 6.7222% | 89 |
| Noncurrent loans to loans | 5.5819% | 141 |
| Net loans and leases to total assets | 66.5950% | 3,001 |
| Net loans and leases to deposits | 75.0907% | 3,472 |
| Net loans and leases to core deposits | 81.8192% | 3,286 |
| Total domestic deposits to total assets | 88.6861% | 1,068 |
| Equity capital to assets | 11.0970% | 2,950 |
| Core capital (leverage) ratio | 11.1557% | 2,279 |
| Tier 1 risk-based capital ratio | 13.6652% | 3,792 |
| Total risk-based capital ratio | 14.9250% | 3,713 |
| Memoranda: | ||
| Average total assets | $156,397,670 | 3,470 |
| Average earning assets | $144,242,000 | 3,476 |
| Average equity | $17,712,670 | 3,482 |
| Average total loans | $106,700,670 | 3,295 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4135% | 1,765 |
| Cost of funding earning assets | 0.5809% | 1,472 |
| Net interest margin | 3.8326% | 2,167 |
| Noninterest income to average assets | 0.1043% | 5,810 |
| Noninterest expense to average assets | 3.3733% | 1,441 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2737% | 5,372 |
| Return on assets (ROA) | 0.4979% | 4,734 |
| Pretax return on assets | 0.4979% | 5,095 |
| Return on Equity (ROE) | 4.3501% | 4,759 |
| Retained earnings to average equity (ytd only) | 4.3501% | 3,303 |
| Net charge-offs to loans | -0.0153% | 4,726 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4946% | 519 |
| Assets per employee ($millions) | 7.3936% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4366% | 419 |
| Loan loss allowance to noncurrent loans | 41.1134% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 7.0711% | 86 |
| Noncurrent loans to loans | 5.9264% | 145 |
| Net loans and leases to total assets | 66.2783% | 2,906 |
| Net loans and leases to deposits | 74.9641% | 3,325 |
| Net loans and leases to core deposits | 81.0655% | 3,230 |
| Total domestic deposits to total assets | 88.4134% | 1,400 |
| Equity capital to assets | 11.4211% | 2,516 |
| Core capital (leverage) ratio | 11.6087% | 1,900 |
| Tier 1 risk-based capital ratio | 14.3589% | 3,466 |
| Total risk-based capital ratio | 15.6191% | 3,390 |
| Memoranda: | ||
| Average total assets | $153,439,500 | 3,528 |
| Average earning assets | $141,837,000 | 3,530 |
| Average equity | $17,563,000 | 3,504 |
| Average total loans | $104,666,500 | 3,340 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5944% | 1,348 |
| Cost of funding earning assets | 0.5799% | 1,493 |
| Net interest margin | 4.0145% | 1,671 |
| Noninterest income to average assets | 0.3496% | 4,404 |
| Noninterest expense to average assets | 3.5939% | 1,137 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4357% | 4,935 |
| Return on assets (ROA) | 0.4685% | 4,897 |
| Pretax return on assets | 0.4685% | 5,180 |
| Return on Equity (ROE) | 4.1436% | 4,879 |
| Retained earnings to average equity (ytd only) | 4.1436% | 3,051 |
| Net charge-offs to loans | -0.2371% | 5,980 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1389% | 746 |
| Assets per employee ($millions) | 7.2197% | 818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4698% | 414 |
| Loan loss allowance to noncurrent loans | 40.7466% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 7.2704% | 94 |
| Noncurrent loans to loans | 6.0613% | 139 |
| Net loans and leases to total assets | 66.8085% | 2,874 |
| Net loans and leases to deposits | 75.6208% | 3,304 |
| Net loans and leases to core deposits | 80.3119% | 3,306 |
| Total domestic deposits to total assets | 88.3467% | 1,450 |
| Equity capital to assets | 11.4719% | 2,383 |
| Core capital (leverage) ratio | 11.4745% | 1,976 |
| Tier 1 risk-based capital ratio | 14.3736% | 3,508 |
| Total risk-based capital ratio | 15.6342% | 3,419 |
| Memoranda: | ||
| Average total assets | $152,175,600 | 3,537 |
| Average earning assets | $139,495,000 | 3,542 |
| Average equity | $17,207,400 | 3,504 |
| Average total loans | $100,780,200 | 3,372 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6385% | 1,237 |
| Cost of funding earning assets | 0.5818% | 1,524 |
| Net interest margin | 4.0566% | 1,539 |
| Noninterest income to average assets | 0.4517% | 3,701 |
| Noninterest expense to average assets | 3.6511% | 1,043 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5112% | 4,746 |
| Return on assets (ROA) | 0.5550% | 4,668 |
| Pretax return on assets | 0.5550% | 5,084 |
| Return on Equity (ROE) | 4.9258% | 4,654 |
| Retained earnings to average equity (ytd only) | 4.9258% | 2,959 |
| Net charge-offs to loans | -0.2426% | 6,040 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6551% | 879 |
| Assets per employee ($millions) | 6.9873% | 878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4753% | 446 |
| Loan loss allowance to noncurrent loans | 72.2350% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 6.0077% | 141 |
| Noncurrent loans to loans | 3.4267% | 467 |
| Net loans and leases to total assets | 64.2818% | 3,263 |
| Net loans and leases to deposits | 72.7317% | 3,682 |
| Net loans and leases to core deposits | 77.0095% | 3,690 |
| Total domestic deposits to total assets | 88.3821% | 1,352 |
| Equity capital to assets | 11.3726% | 2,617 |
| Core capital (leverage) ratio | 11.5380% | 2,007 |
| Tier 1 risk-based capital ratio | 14.5607% | 3,522 |
| Total risk-based capital ratio | 15.8208% | 3,443 |
| Memoranda: | ||
| Average total assets | $152,316,000 | 3,565 |
| Average earning assets | $139,323,500 | 3,581 |
| Average equity | $17,161,000 | 3,533 |
| Average total loans | $100,011,250 | 3,423 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7715% | 944 |
| Cost of funding earning assets | 0.5905% | 1,485 |
| Net interest margin | 4.1810% | 1,148 |
| Noninterest income to average assets | 0.6559% | 2,446 |
| Noninterest expense to average assets | 3.8064% | 862 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6730% | 4,016 |
| Return on assets (ROA) | 0.7389% | 3,802 |
| Pretax return on assets | 0.7389% | 4,528 |
| Return on Equity (ROE) | 6.5791% | 3,841 |
| Retained earnings to average equity (ytd only) | 6.5791% | 1,910 |
| Net charge-offs to loans | -0.3113% | 6,128 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9162% | 1,160 |
| Assets per employee ($millions) | 6.8109% | 921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6106% | 426 |
| Loan loss allowance to noncurrent loans | 42.7832% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 7.5147% | 105 |
| Noncurrent loans to loans | 6.1019% | 154 |
| Net loans and leases to total assets | 61.7696% | 3,586 |
| Net loans and leases to deposits | 70.0352% | 3,928 |
| Net loans and leases to core deposits | 74.2608% | 3,940 |
| Total domestic deposits to total assets | 88.1980% | 1,551 |
| Equity capital to assets | 11.4590% | 2,449 |
| Core capital (leverage) ratio | 11.5049% | 1,986 |
| Tier 1 risk-based capital ratio | 15.0839% | 3,312 |
| Total risk-based capital ratio | 16.3451% | 3,244 |
| Memoranda: | ||
| Average total assets | $151,848,000 | 3,604 |
| Average earning assets | $138,866,000 | 3,616 |
| Average equity | $17,054,000 | 3,560 |
| Average total loans | $99,574,330 | 3,446 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8674% | 751 |
| Cost of funding earning assets | 0.5870% | 1,525 |
| Net interest margin | 4.2804% | 920 |
| Noninterest income to average assets | 0.4056% | 3,957 |
| Noninterest expense to average assets | 3.8625% | 812 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4553% | 4,848 |
| Return on assets (ROA) | 0.4553% | 4,962 |
| Pretax return on assets | 0.4553% | 5,300 |
| Return on Equity (ROE) | 4.0951% | 4,946 |
| Retained earnings to average equity (ytd only) | 4.0951% | 3,548 |
| Net charge-offs to loans | -0.0864% | 5,791 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3939% | 895 |
| Assets per employee ($millions) | 7.1708% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3583% | 654 |
| Loan loss allowance to noncurrent loans | 33.7163% | 5,452 |
| Noncurrent assets plus other real estate owned to assets | 8.2511% | 93 |
| Noncurrent loans to loans | 6.9944% | 128 |
| Net loans and leases to total assets | 64.5591% | 3,017 |
| Net loans and leases to deposits | 73.1158% | 3,416 |
| Net loans and leases to core deposits | 77.0231% | 3,486 |
| Total domestic deposits to total assets | 88.2971% | 1,662 |
| Equity capital to assets | 11.3649% | 2,588 |
| Core capital (leverage) ratio | 10.9793% | 2,431 |
| Tier 1 risk-based capital ratio | 14.4185% | 3,766 |
| Total risk-based capital ratio | 15.6781% | 3,685 |
| Memoranda: | ||
| Average total assets | $152,852,500 | 3,608 |
| Average earning assets | $139,705,000 | 3,630 |
| Average equity | $16,996,000 | 3,591 |
| Average total loans | $101,843,500 | 3,416 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5136% | 1,815 |
| Cost of funding earning assets | 0.6130% | 1,653 |
| Net interest margin | 3.9005% | 2,242 |
| Noninterest income to average assets | -0.4082% | 6,489 |
| Noninterest expense to average assets | 3.6097% | 1,286 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.4839% | 6,291 |
| Return on assets (ROA) | -0.4839% | 6,294 |
| Pretax return on assets | -0.4839% | 6,285 |
| Return on Equity (ROE) | -4.7606% | 6,285 |
| Retained earnings to average equity (ytd only) | -4.7606% | 6,170 |
| Net charge-offs to loans | 3.2333% | 30 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -0.2158% | 4,736 |
| Efficiency ratio | 115.3861% | 156 |
| Assets per employee ($millions) | 6.2048% | 1,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2339% | 787 |
| Loan loss allowance to noncurrent loans | 21.3865% | 5,813 |
| Noncurrent assets plus other real estate owned to assets | 11.4602% | 65 |
| Noncurrent loans to loans | 10.4454% | 64 |
| Net loans and leases to total assets | 65.6245% | 2,959 |
| Net loans and leases to deposits | 73.8776% | 3,452 |
| Net loans and leases to core deposits | 77.3708% | 3,579 |
| Total domestic deposits to total assets | 88.8286% | 1,339 |
| Equity capital to assets | 10.8807% | 3,033 |
| Core capital (leverage) ratio | 10.6731% | 2,747 |
| Tier 1 risk-based capital ratio | 13.8284% | 4,221 |
| Total risk-based capital ratio | 15.0870% | 4,149 |
| Memoranda: | ||
| Average total assets | $167,797,000 | 3,369 |
| Average earning assets | $152,030,400 | 3,410 |
| Average equity | $17,056,600 | 3,518 |
| Average total loans | $116,381,400 | 3,108 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5403% | 1,731 |
| Cost of funding earning assets | 0.6178% | 1,697 |
| Net interest margin | 3.9224% | 2,148 |
| Noninterest income to average assets | -0.5506% | 6,575 |
| Noninterest expense to average assets | 3.5866% | 1,318 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.5872% | 6,388 |
| Return on assets (ROA) | -0.5872% | 6,387 |
| Pretax return on assets | -0.5872% | 6,379 |
| Return on Equity (ROE) | -5.8707% | 6,382 |
| Retained earnings to average equity (ytd only) | -5.8707% | 6,282 |
| Net charge-offs to loans | 3.4659% | 22 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -0.2425% | 4,478 |
| Efficiency ratio | 119.4488% | 135 |
| Assets per employee ($millions) | 6.5606% | 994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8683% | 412 |
| Loan loss allowance to noncurrent loans | 17.9792% | 5,956 |
| Noncurrent assets plus other real estate owned to assets | 14.9237% | 35 |
| Noncurrent loans to loans | 15.9537% | 24 |
| Net loans and leases to total assets | 64.1762% | 3,154 |
| Net loans and leases to deposits | 72.1117% | 3,675 |
| Net loans and leases to core deposits | 75.4495% | 3,810 |
| Total domestic deposits to total assets | 88.9955% | 1,237 |
| Equity capital to assets | 10.6190% | 3,410 |
| Core capital (leverage) ratio | 10.3197% | 3,269 |
| Tier 1 risk-based capital ratio | 14.2730% | 4,042 |
| Total risk-based capital ratio | 15.5387% | 3,953 |
| Memoranda: | ||
| Average total assets | $170,966,500 | 3,351 |
| Average earning assets | $154,729,500 | 3,387 |
| Average equity | $17,101,250 | 3,533 |
| Average total loans | $119,446,250 | 3,065 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5312% | 1,732 |
| Cost of funding earning assets | 0.6181% | 1,747 |
| Net interest margin | 3.9131% | 2,108 |
| Noninterest income to average assets | -0.0729% | 6,594 |
| Noninterest expense to average assets | 3.7488% | 1,052 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.2861% | 6,364 |
| Return on assets (ROA) | -0.2861% | 6,371 |
| Pretax return on assets | -0.2861% | 6,355 |
| Return on Equity (ROE) | -2.9138% | 6,377 |
| Retained earnings to average equity (ytd only) | -2.9138% | 6,091 |
| Net charge-offs to loans | 0.7401% | 514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -0.5445% | 4,178 |
| Efficiency ratio | 108.1633% | 256 |
| Assets per employee ($millions) | 7.9327% | 513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7926% | 94 |
| Loan loss allowance to noncurrent loans | 24.4738% | 5,914 |
| Noncurrent assets plus other real estate owned to assets | 18.4277% | 17 |
| Noncurrent loans to loans | 19.5827% | 13 |
| Net loans and leases to total assets | 67.1137% | 2,561 |
| Net loans and leases to deposits | 75.4578% | 3,132 |
| Net loans and leases to core deposits | 78.6021% | 3,368 |
| Total domestic deposits to total assets | 88.9420% | 1,389 |
| Equity capital to assets | 10.3496% | 3,624 |
| Core capital (leverage) ratio | 10.0787% | 3,500 |
| Tier 1 risk-based capital ratio | 13.4290% | 4,630 |
| Total risk-based capital ratio | 14.7172% | 4,546 |
| Memoranda: | ||
| Average total assets | $175,470,670 | 3,303 |
| Average earning assets | $158,546,000 | 3,345 |
| Average equity | $17,228,330 | 3,512 |
| Average total loans | $124,584,330 | 2,980 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5274% | 1,711 |
| Cost of funding earning assets | 0.6224% | 1,786 |
| Net interest margin | 3.9050% | 2,066 |
| Noninterest income to average assets | -0.1890% | 6,684 |
| Noninterest expense to average assets | 3.4105% | 1,675 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0845% | 6,274 |
| Return on assets (ROA) | -0.0845% | 6,285 |
| Pretax return on assets | -0.0845% | 6,279 |
| Return on Equity (ROE) | -0.8826% | 6,287 |
| Retained earnings to average equity (ytd only) | -0.8826% | 5,709 |
| Net charge-offs to loans | -0.0499% | 5,802 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4064% | 414 |
| Assets per employee ($millions) | 8.7812% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7973% | 103 |
| Loan loss allowance to noncurrent loans | 26.1098% | 5,948 |
| Noncurrent assets plus other real estate owned to assets | 18.6576% | 21 |
| Noncurrent loans to loans | 18.3734% | 22 |
| Net loans and leases to total assets | 68.9858% | 2,062 |
| Net loans and leases to deposits | 76.8779% | 2,701 |
| Net loans and leases to core deposits | 79.4178% | 3,043 |
| Total domestic deposits to total assets | 89.7343% | 1,220 |
| Equity capital to assets | 9.8347% | 4,053 |
| Core capital (leverage) ratio | 9.6024% | 4,129 |
| Tier 1 risk-based capital ratio | 12.6671% | 5,212 |
| Total risk-based capital ratio | 13.9565% | 5,120 |
| Memoranda: | ||
| Average total assets | $179,913,000 | 3,279 |
| Average earning assets | $161,948,000 | 3,325 |
| Average equity | $17,222,000 | 3,516 |
| Average total loans | $128,161,500 | 2,907 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6617% | 1,681 |
| Cost of funding earning assets | 0.7352% | 1,593 |
| Net interest margin | 3.9265% | 2,196 |
| Noninterest income to average assets | -0.1306% | 6,733 |
| Noninterest expense to average assets | 3.1820% | 2,476 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2833% | 5,580 |
| Return on assets (ROA) | 0.2833% | 5,675 |
| Pretax return on assets | 0.2833% | 5,773 |
| Return on Equity (ROE) | 3.4802% | 5,328 |
| Retained earnings to average equity (ytd only) | 3.4802% | 3,750 |
| Net charge-offs to loans | 1.0866% | 518 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.3432% | 4,968 |
| Efficiency ratio | 91.6267% | 901 |
| Assets per employee ($millions) | 9.2102% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7179% | 109 |
| Loan loss allowance to noncurrent loans | 32.0339% | 5,893 |
| Noncurrent assets plus other real estate owned to assets | 16.4156% | 37 |
| Noncurrent loans to loans | 14.7277% | 42 |
| Net loans and leases to total assets | 66.7600% | 2,561 |
| Net loans and leases to deposits | 73.9231% | 3,268 |
| Net loans and leases to core deposits | 76.0357% | 3,605 |
| Total domestic deposits to total assets | 90.3101% | 912 |
| Equity capital to assets | 9.3223% | 4,667 |
| Core capital (leverage) ratio | 9.2488% | 4,639 |
| Tier 1 risk-based capital ratio | 12.3815% | 5,369 |
| Total risk-based capital ratio | 13.6694% | 5,282 |
| Memoranda: | ||
| Average total assets | $204,368,200 | 2,978 |
| Average earning assets | $187,162,200 | 2,995 |
| Average equity | $16,636,800 | 3,605 |
| Average total loans | $155,251,400 | 2,491 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6044% | 1,889 |
| Cost of funding earning assets | 0.7612% | 1,538 |
| Net interest margin | 3.8432% | 2,493 |
| Noninterest income to average assets | 0.5316% | 3,578 |
| Noninterest expense to average assets | 3.5286% | 1,549 |
| Loan and lease loss provision to assets | 0.8086% | 238 |
| Net operating income to assets | -0.2693% | 6,508 |
| Return on assets (ROA) | -0.2693% | 6,523 |
| Pretax return on assets | -0.2693% | 6,502 |
| Return on Equity (ROE) | -3.4175% | 6,541 |
| Retained earnings to average equity (ytd only) | -3.4175% | 6,387 |
| Net charge-offs to loans | 1.5748% | 278 |
| Credit loss provision to net charge-offs | 66.4574% | 3,150 |
| Earnings coverage of net charge-offs (x) | 0.4432% | 4,715 |
| Efficiency ratio | 86.5394% | 1,315 |
| Assets per employee ($millions) | 9.8169% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1178% | 104 |
| Loan loss allowance to noncurrent loans | 28.3124% | 6,040 |
| Noncurrent assets plus other real estate owned to assets | 17.4104% | 31 |
| Noncurrent loans to loans | 18.0761% | 26 |
| Net loans and leases to total assets | 67.3745% | 2,400 |
| Net loans and leases to deposits | 73.7139% | 3,284 |
| Net loans and leases to core deposits | 75.5503% | 3,667 |
| Total domestic deposits to total assets | 91.4000% | 392 |
| Equity capital to assets | 8.2608% | 5,945 |
| Core capital (leverage) ratio | 8.1899% | 6,072 |
| Tier 1 risk-based capital ratio | 11.1531% | 6,217 |
| Total risk-based capital ratio | 12.4468% | 6,156 |
| Memoranda: | ||
| Average total assets | $209,409,500 | 2,940 |
| Average earning assets | $192,679,500 | 2,938 |
| Average equity | $16,503,000 | 3,672 |
| Average total loans | $161,798,500 | 2,410 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5632% | 1,980 |
| Cost of funding earning assets | 0.7849% | 1,495 |
| Net interest margin | 3.7783% | 2,640 |
| Noninterest income to average assets | 0.7747% | 2,300 |
| Noninterest expense to average assets | 3.6245% | 1,375 |
| Loan and lease loss provision to assets | 1.1882% | 136 |
| Net operating income to assets | -0.5567% | 6,654 |
| Return on assets (ROA) | -0.5567% | 6,665 |
| Pretax return on assets | -0.5567% | 6,651 |
| Return on Equity (ROE) | -7.1697% | 6,691 |
| Retained earnings to average equity (ytd only) | -7.1697% | 6,578 |
| Net charge-offs to loans | 1.7299% | 280 |
| Credit loss provision to net charge-offs | 86.7486% | 2,503 |
| Earnings coverage of net charge-offs (x) | 0.4611% | 4,383 |
| Efficiency ratio | 84.9198% | 1,540 |
| Assets per employee ($millions) | 10.3125% | 202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7100% | 147 |
| Loan loss allowance to noncurrent loans | 23.2363% | 6,227 |
| Noncurrent assets plus other real estate owned to assets | 20.3016% | 22 |
| Noncurrent loans to loans | 20.2700% | 22 |
| Net loans and leases to total assets | 74.3733% | 1,199 |
| Net loans and leases to deposits | 81.0084% | 2,177 |
| Net loans and leases to core deposits | 83.2334% | 2,662 |
| Total domestic deposits to total assets | 91.8095% | 289 |
| Equity capital to assets | 7.8065% | 6,314 |
| Core capital (leverage) ratio | 7.8581% | 6,274 |
| Tier 1 risk-based capital ratio | 9.5996% | 6,710 |
| Total risk-based capital ratio | 10.8890% | 6,683 |
| Memoranda: | ||
| Average total assets | $213,767,000 | 2,917 |
| Average earning assets | $196,968,670 | 2,903 |
| Average equity | $16,597,670 | 3,688 |
| Average total loans | $169,259,330 | 2,315 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4791% | 2,239 |
| Cost of funding earning assets | 0.7956% | 1,555 |
| Net interest margin | 3.6835% | 2,929 |
| Noninterest income to average assets | 0.3843% | 4,586 |
| Noninterest expense to average assets | 3.0654% | 2,790 |
| Loan and lease loss provision to assets | 1.4159% | 103 |
| Net operating income to assets | -0.6914% | 6,735 |
| Return on assets (ROA) | -0.6914% | 6,749 |
| Pretax return on assets | -0.6914% | 6,729 |
| Return on Equity (ROE) | -8.9279% | 6,783 |
| Retained earnings to average equity (ytd only) | -8.9279% | 6,572 |
| Net charge-offs to loans | 3.2641% | 103 |
| Credit loss provision to net charge-offs | 54.4170% | 2,541 |
| Earnings coverage of net charge-offs (x) | 0.2784% | 3,723 |
| Efficiency ratio | 80.5919% | 2,235 |
| Assets per employee ($millions) | 10.5219% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2441% | 238 |
| Loan loss allowance to noncurrent loans | 20.0975% | 6,344 |
| Noncurrent assets plus other real estate owned to assets | 21.2775% | 18 |
| Noncurrent loans to loans | 21.1177% | 22 |
| Net loans and leases to total assets | 76.4543% | 785 |
| Net loans and leases to deposits | 83.3212% | 1,662 |
| Net loans and leases to core deposits | 85.7010% | 2,135 |
| Total domestic deposits to total assets | 91.7586% | 295 |
| Equity capital to assets | 7.9035% | 6,430 |
| Core capital (leverage) ratio | 7.6503% | 6,386 |
| Tier 1 risk-based capital ratio | 9.3512% | 6,779 |
| Total risk-based capital ratio | 10.6352% | 6,770 |
| Memoranda: | ||
| Average total assets | $217,525,500 | 2,904 |
| Average earning assets | $201,114,000 | 2,889 |
| Average equity | $16,846,000 | 3,690 |
| Average total loans | $173,400,500 | 2,290 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4841% | 3,466 |
| Cost of funding earning assets | 0.8955% | 1,961 |
| Net interest margin | 3.5886% | 4,133 |
| Noninterest income to average assets | 0.2176% | 5,870 |
| Noninterest expense to average assets | 2.9944% | 3,296 |
| Loan and lease loss provision to assets | 3.5692% | 25 |
| Net operating income to assets | -2.9514% | 7,003 |
| Return on assets (ROA) | -2.9514% | 7,007 |
| Pretax return on assets | -2.9514% | 7,009 |
| Return on Equity (ROE) | -34.2237% | 6,975 |
| Retained earnings to average equity (ytd only) | -34.2237% | 6,960 |
| Net charge-offs to loans | 4.3054% | 57 |
| Credit loss provision to net charge-offs | 102.6866% | 2,927 |
| Earnings coverage of net charge-offs (x) | 0.1777% | 5,396 |
| Efficiency ratio | 82.6176% | 1,794 |
| Assets per employee ($millions) | 11.8217% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3495% | 219 |
| Loan loss allowance to noncurrent loans | 17.8623% | 6,440 |
| Noncurrent assets plus other real estate owned to assets | 22.2360% | 17 |
| Noncurrent loans to loans | 24.3499% | 12 |
| Net loans and leases to total assets | 76.1332% | 891 |
| Net loans and leases to deposits | 82.7002% | 1,910 |
| Net loans and leases to core deposits | 84.9993% | 2,429 |
| Total domestic deposits to total assets | 92.0592% | 238 |
| Equity capital to assets | 7.5953% | 6,595 |
| Core capital (leverage) ratio | 7.3769% | 6,551 |
| Tier 1 risk-based capital ratio | 9.2183% | 6,834 |
| Total risk-based capital ratio | 10.5049% | 6,827 |
| Memoranda: | ||
| Average total assets | $255,942,400 | 2,480 |
| Average earning assets | $242,099,000 | 2,395 |
| Average equity | $22,072,400 | 2,966 |
| Average total loans | $206,625,600 | 1,950 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6011% | 3,192 |
| Cost of funding earning assets | 0.9238% | 2,022 |
| Net interest margin | 3.6772% | 3,893 |
| Noninterest income to average assets | 0.0485% | 6,811 |
| Noninterest expense to average assets | 2.5779% | 4,811 |
| Loan and lease loss provision to assets | 3.1465% | 34 |
| Net operating income to assets | -2.1872% | 7,059 |
| Return on assets (ROA) | -2.1872% | 7,067 |
| Pretax return on assets | -2.1872% | 7,055 |
| Return on Equity (ROE) | -24.7334% | 7,036 |
| Retained earnings to average equity (ytd only) | -24.7334% | 7,025 |
| Net charge-offs to loans | 3.3753% | 143 |
| Credit loss provision to net charge-offs | 115.1285% | 2,533 |
| Earnings coverage of net charge-offs (x) | 0.3510% | 5,150 |
| Efficiency ratio | 72.5922% | 3,214 |
| Assets per employee ($millions) | 11.2709% | 169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4339% | 224 |
| Loan loss allowance to noncurrent loans | 22.3839% | 6,432 |
| Noncurrent assets plus other real estate owned to assets | 18.2991% | 52 |
| Noncurrent loans to loans | 19.8083% | 41 |
| Net loans and leases to total assets | 76.0834% | 964 |
| Net loans and leases to deposits | 83.3712% | 1,945 |
| Net loans and leases to core deposits | 85.5919% | 2,517 |
| Total domestic deposits to total assets | 91.2586% | 342 |
| Equity capital to assets | 8.5940% | 6,177 |
| Core capital (leverage) ratio | 8.1637% | 6,174 |
| Tier 1 risk-based capital ratio | 10.4011% | 6,701 |
| Total risk-based capital ratio | 11.6888% | 6,668 |
| Memoranda: | ||
| Average total assets | $263,774,750 | 2,424 |
| Average earning assets | $250,254,500 | 2,342 |
| Average equity | $23,325,500 | 2,843 |
| Average total loans | $213,586,750 | 1,923 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6861% | 2,975 |
| Cost of funding earning assets | 0.9663% | 1,956 |
| Net interest margin | 3.7198% | 3,727 |
| Noninterest income to average assets | 0.0491% | 6,859 |
| Noninterest expense to average assets | 2.2250% | 5,937 |
| Loan and lease loss provision to assets | 2.0711% | 134 |
| Net operating income to assets | -0.7053% | 6,820 |
| Return on assets (ROA) | -0.7053% | 6,857 |
| Pretax return on assets | -0.7053% | 6,824 |
| Return on Equity (ROE) | -7.9111% | 6,861 |
| Retained earnings to average equity (ytd only) | -7.9111% | 6,763 |
| Net charge-offs to loans | 1.8696% | 471 |
| Credit loss provision to net charge-offs | 136.1446% | 2,021 |
| Earnings coverage of net charge-offs (x) | 0.8978% | 4,594 |
| Efficiency ratio | 61.6987% | 5,297 |
| Assets per employee ($millions) | 13.0115% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0245% | 338 |
| Loan loss allowance to noncurrent loans | 21.5040% | 6,476 |
| Noncurrent assets plus other real estate owned to assets | 15.9048% | 79 |
| Noncurrent loans to loans | 18.7150% | 56 |
| Net loans and leases to total assets | 75.9439% | 973 |
| Net loans and leases to deposits | 83.8014% | 1,877 |
| Net loans and leases to core deposits | 87.6745% | 2,242 |
| Total domestic deposits to total assets | 90.6236% | 604 |
| Equity capital to assets | 9.0793% | 5,602 |
| Core capital (leverage) ratio | 8.7383% | 5,316 |
| Tier 1 risk-based capital ratio | 11.2600% | 6,365 |
| Total risk-based capital ratio | 12.5433% | 6,318 |
| Memoranda: | ||
| Average total assets | $272,803,330 | 2,351 |
| Average earning assets | $259,748,330 | 2,258 |
| Average equity | $24,320,330 | 2,735 |
| Average total loans | $221,970,330 | 1,829 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7231% | 2,959 |
| Cost of funding earning assets | 1.0278% | 1,828 |
| Net interest margin | 3.6953% | 3,855 |
| Noninterest income to average assets | 0.0444% | 6,960 |
| Noninterest expense to average assets | 2.1197% | 6,229 |
| Loan and lease loss provision to assets | 1.0391% | 394 |
| Net operating income to assets | 0.3999% | 5,258 |
| Return on assets (ROA) | 0.3999% | 5,441 |
| Pretax return on assets | 0.3999% | 5,725 |
| Return on Equity (ROE) | 4.5243% | 5,030 |
| Retained earnings to average equity (ytd only) | 4.5243% | 3,868 |
| Net charge-offs to loans | 2.9183% | 253 |
| Credit loss provision to net charge-offs | 43.2062% | 3,391 |
| Earnings coverage of net charge-offs (x) | 0.5983% | 4,037 |
| Efficiency ratio | 59.2831% | 5,725 |
| Assets per employee ($millions) | 14.7498% | 98 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9428% | 880 |
| Loan loss allowance to noncurrent loans | 17.2600% | 6,634 |
| Noncurrent assets plus other real estate owned to assets | 13.8275% | 134 |
| Noncurrent loans to loans | 17.0497% | 84 |
| Net loans and leases to total assets | 77.4855% | 638 |
| Net loans and leases to deposits | 85.1171% | 1,525 |
| Net loans and leases to core deposits | 88.6442% | 1,986 |
| Total domestic deposits to total assets | 91.0339% | 543 |
| Equity capital to assets | 8.8519% | 5,690 |
| Core capital (leverage) ratio | 8.8538% | 5,061 |
| Tier 1 risk-based capital ratio | 10.9788% | 6,549 |
| Total risk-based capital ratio | 12.2494% | 6,525 |
| Memoranda: | ||
| Average total assets | $279,090,500 | 2,321 |
| Average earning assets | $265,416,500 | 2,237 |
| Average equity | $24,667,000 | 2,695 |
| Average total loans | $229,998,000 | 1,791 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2525% | 1,860 |
| Cost of funding earning assets | 1.1630% | 2,263 |
| Net interest margin | 4.0895% | 2,473 |
| Noninterest income to average assets | 0.1529% | 6,389 |
| Noninterest expense to average assets | 1.8395% | 6,909 |
| Loan and lease loss provision to assets | 4.5123% | 34 |
| Net operating income to assets | -1.8032% | 6,989 |
| Return on assets (ROA) | -1.8032% | 7,007 |
| Pretax return on assets | -2.2822% | 7,083 |
| Return on Equity (ROE) | -18.5236% | 6,964 |
| Retained earnings to average equity (ytd only) | -18.5236% | 6,949 |
| Net charge-offs to loans | 4.6547% | 99 |
| Credit loss provision to net charge-offs | 114.2585% | 2,864 |
| Earnings coverage of net charge-offs (x) | 0.5647% | 5,409 |
| Efficiency ratio | 44.9983% | 7,090 |
| Assets per employee ($millions) | 12.6334% | 131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1901% | 687 |
| Loan loss allowance to noncurrent loans | 25.1409% | 6,427 |
| Noncurrent assets plus other real estate owned to assets | 11.0040% | 265 |
| Noncurrent loans to loans | 12.6889% | 190 |
| Net loans and leases to total assets | 82.2944% | 318 |
| Net loans and leases to deposits | 90.4162% | 1,109 |
| Net loans and leases to core deposits | 94.3850% | 1,651 |
| Total domestic deposits to total assets | 91.0173% | 501 |
| Equity capital to assets | 8.8247% | 5,769 |
| Core capital (leverage) ratio | 8.4775% | 5,602 |
| Tier 1 risk-based capital ratio | 10.1899% | 6,803 |
| Total risk-based capital ratio | 11.4631% | 6,777 |
| Memoranda: | ||
| Average total assets | $292,311,600 | 2,182 |
| Average earning assets | $279,962,800 | 2,099 |
| Average equity | $28,455,600 | 2,299 |
| Average total loans | $248,009,600 | 1,687 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2380% | 2,071 |
| Cost of funding earning assets | 1.1600% | 2,571 |
| Net interest margin | 4.0780% | 2,562 |
| Noninterest income to average assets | 0.1892% | 6,243 |
| Noninterest expense to average assets | 1.8064% | 6,990 |
| Loan and lease loss provision to assets | 2.9130% | 117 |
| Net operating income to assets | -0.3943% | 6,575 |
| Return on assets (ROA) | -0.3943% | 6,629 |
| Pretax return on assets | -0.6159% | 6,688 |
| Return on Equity (ROE) | -3.9631% | 6,629 |
| Retained earnings to average equity (ytd only) | -3.9631% | 6,515 |
| Net charge-offs to loans | 3.5656% | 212 |
| Credit loss provision to net charge-offs | 96.3344% | 3,563 |
| Earnings coverage of net charge-offs (x) | 0.7596% | 5,045 |
| Efficiency ratio | 43.8344% | 7,152 |
| Assets per employee ($millions) | 14.7073% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2675% | 1,740 |
| Loan loss allowance to noncurrent loans | 19.7890% | 6,682 |
| Noncurrent assets plus other real estate owned to assets | 9.8720% | 367 |
| Noncurrent loans to loans | 11.4585% | 262 |
| Net loans and leases to total assets | 82.7163% | 310 |
| Net loans and leases to deposits | 91.8760% | 1,023 |
| Net loans and leases to core deposits | 95.7140% | 1,636 |
| Total domestic deposits to total assets | 90.0304% | 851 |
| Equity capital to assets | 9.8295% | 4,586 |
| Core capital (leverage) ratio | 9.7410% | 3,788 |
| Tier 1 risk-based capital ratio | 11.3843% | 6,308 |
| Total risk-based capital ratio | 12.6464% | 6,297 |
| Memoranda: | ||
| Average total assets | $295,905,750 | 2,167 |
| Average earning assets | $284,018,750 | 2,072 |
| Average equity | $29,437,750 | 2,231 |
| Average total loans | $250,946,500 | 1,683 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2818% | 1,944 |
| Cost of funding earning assets | 1.1576% | 2,856 |
| Net interest margin | 4.1243% | 2,321 |
| Noninterest income to average assets | 0.2307% | 6,004 |
| Noninterest expense to average assets | 1.7532% | 7,130 |
| Loan and lease loss provision to assets | 3.3492% | 121 |
| Net operating income to assets | -0.5862% | 6,749 |
| Return on assets (ROA) | -0.5862% | 6,766 |
| Pretax return on assets | -0.9133% | 6,865 |
| Return on Equity (ROE) | -5.8691% | 6,769 |
| Retained earnings to average equity (ytd only) | -5.8691% | 6,643 |
| Net charge-offs to loans | 5.2176% | 110 |
| Credit loss provision to net charge-offs | 75.6399% | 3,896 |
| Earnings coverage of net charge-offs (x) | 0.5501% | 4,892 |
| Efficiency ratio | 41.6586% | 7,309 |
| Assets per employee ($millions) | 14.1971% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7424% | 3,178 |
| Loan loss allowance to noncurrent loans | 18.6091% | 6,760 |
| Noncurrent assets plus other real estate owned to assets | 7.9329% | 589 |
| Noncurrent loans to loans | 9.3634% | 435 |
| Net loans and leases to total assets | 81.1803% | 435 |
| Net loans and leases to deposits | 90.0275% | 1,268 |
| Net loans and leases to core deposits | 93.1942% | 1,997 |
| Total domestic deposits to total assets | 90.1727% | 883 |
| Equity capital to assets | 9.6992% | 4,539 |
| Core capital (leverage) ratio | 9.7764% | 3,554 |
| Tier 1 risk-based capital ratio | 11.2445% | 6,357 |
| Total risk-based capital ratio | 12.4989% | 6,349 |
| Memoranda: | ||
| Average total assets | $296,492,670 | 2,170 |
| Average earning assets | $284,560,330 | 2,077 |
| Average equity | $29,612,670 | 2,205 |
| Average total loans | $251,611,670 | 1,702 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3038% | 1,854 |
| Cost of funding earning assets | 1.1597% | 3,089 |
| Net interest margin | 4.1441% | 2,102 |
| Noninterest income to average assets | 0.0514% | 7,129 |
| Noninterest expense to average assets | 1.7493% | 7,190 |
| Loan and lease loss provision to assets | 1.1364% | 633 |
| Net operating income to assets | 0.6791% | 3,613 |
| Return on assets (ROA) | 0.6791% | 3,679 |
| Pretax return on assets | 1.1445% | 2,586 |
| Return on Equity (ROE) | 6.7022% | 3,532 |
| Retained earnings to average equity (ytd only) | 6.7022% | 2,278 |
| Net charge-offs to loans | 2.0782% | 609 |
| Credit loss provision to net charge-offs | 63.5882% | 3,477 |
| Earnings coverage of net charge-offs (x) | 1.2763% | 3,713 |
| Efficiency ratio | 43.2024% | 7,310 |
| Assets per employee ($millions) | 14.8024% | 98 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1380% | 2,103 |
| Loan loss allowance to noncurrent loans | 22.5520% | 6,665 |
| Noncurrent assets plus other real estate owned to assets | 8.1740% | 572 |
| Noncurrent loans to loans | 9.4805% | 444 |
| Net loans and leases to total assets | 83.6438% | 243 |
| Net loans and leases to deposits | 93.4106% | 881 |
| Net loans and leases to core deposits | 96.2738% | 1,655 |
| Total domestic deposits to total assets | 89.5442% | 1,457 |
| Equity capital to assets | 10.2170% | 3,517 |
| Core capital (leverage) ratio | 10.2217% | 2,909 |
| Tier 1 risk-based capital ratio | 11.6112% | 6,013 |
| Total risk-based capital ratio | 12.8714% | 5,991 |
| Memoranda: | ||
| Average total assets | $295,669,500 | 2,189 |
| Average earning assets | $283,874,000 | 2,090 |
| Average equity | $29,960,500 | 2,177 |
| Average total loans | $254,256,500 | 1,705 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7252% | 1,486 |
| Cost of funding earning assets | 1.7459% | 1,395 |
| Net interest margin | 3.9794% | 3,107 |
| Noninterest income to average assets | 0.2568% | 5,965 |
| Noninterest expense to average assets | 1.5212% | 7,438 |
| Loan and lease loss provision to assets | 1.9106% | 709 |
| Net operating income to assets | 0.3639% | 4,697 |
| Return on assets (ROA) | 0.3639% | 4,851 |
| Pretax return on assets | 0.6193% | 4,261 |
| Return on Equity (ROE) | 3.5374% | 4,732 |
| Retained earnings to average equity (ytd only) | 3.5374% | 3,381 |
| Net charge-offs to loans | 0.9662% | 2,244 |
| Credit loss provision to net charge-offs | 237.4348% | 1,228 |
| Earnings coverage of net charge-offs (x) | 3.1439% | 3,499 |
| Efficiency ratio | 37.3780% | 7,533 |
| Assets per employee ($millions) | 14.7646% | 98 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3059% | 1,685 |
| Loan loss allowance to noncurrent loans | 25.7451% | 6,556 |
| Noncurrent assets plus other real estate owned to assets | 7.8201% | 650 |
| Noncurrent loans to loans | 8.9565% | 525 |
| Net loans and leases to total assets | 84.5221% | 265 |
| Net loans and leases to deposits | 94.0521% | 1,064 |
| Net loans and leases to core deposits | 97.2283% | 1,872 |
| Total domestic deposits to total assets | 89.8673% | 1,179 |
| Equity capital to assets | 10.0490% | 3,690 |
| Core capital (leverage) ratio | 9.8013% | 3,312 |
| Tier 1 risk-based capital ratio | 11.0777% | 6,268 |
| Total risk-based capital ratio | 12.3392% | 6,231 |
| Memoranda: | ||
| Average total assets | $285,821,600 | 2,241 |
| Average earning assets | $272,531,400 | 2,167 |
| Average equity | $29,400,000 | 2,222 |
| Average total loans | $238,045,400 | 1,836 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6101% | 2,027 |
| Cost of funding earning assets | 1.9071% | 1,012 |
| Net interest margin | 3.7030% | 4,385 |
| Noninterest income to average assets | 0.2371% | 6,194 |
| Noninterest expense to average assets | 1.4967% | 7,549 |
| Loan and lease loss provision to assets | 1.3998% | 962 |
| Net operating income to assets | 0.5080% | 4,279 |
| Return on assets (ROA) | 0.5080% | 4,468 |
| Pretax return on assets | 0.8660% | 3,681 |
| Return on Equity (ROE) | 4.9093% | 4,333 |
| Retained earnings to average equity (ytd only) | 4.9093% | 3,052 |
| Net charge-offs to loans | 0.5243% | 3,203 |
| Credit loss provision to net charge-offs | 323.8303% | 979 |
| Earnings coverage of net charge-offs (x) | 5.2416% | 2,797 |
| Efficiency ratio | 39.5924% | 7,589 |
| Assets per employee ($millions) | 15.2869% | 97 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8808% | 2,543 |
| Loan loss allowance to noncurrent loans | 25.3468% | 6,620 |
| Noncurrent assets plus other real estate owned to assets | 6.2459% | 931 |
| Noncurrent loans to loans | 7.4202% | 727 |
| Net loans and leases to total assets | 81.6824% | 538 |
| Net loans and leases to deposits | 90.5926% | 1,641 |
| Net loans and leases to core deposits | 92.8334% | 2,678 |
| Total domestic deposits to total assets | 90.1645% | 796 |
| Equity capital to assets | 9.7260% | 4,507 |
| Core capital (leverage) ratio | 9.8374% | 3,443 |
| Tier 1 risk-based capital ratio | 11.0088% | 6,378 |
| Total risk-based capital ratio | 12.2651% | 6,348 |
| Memoranda: | ||
| Average total assets | $283,454,000 | 2,289 |
| Average earning assets | $269,863,250 | 2,215 |
| Average equity | $29,331,500 | 2,251 |
| Average total loans | $233,687,250 | 1,896 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9139% | 1,152 |
| Cost of funding earning assets | 2.0185% | 860 |
| Net interest margin | 3.8954% | 3,469 |
| Noninterest income to average assets | 0.1753% | 6,647 |
| Noninterest expense to average assets | 1.4158% | 7,657 |
| Loan and lease loss provision to assets | 0.8014% | 1,802 |
| Net operating income to assets | 0.9745% | 2,282 |
| Return on assets (ROA) | 0.9745% | 2,363 |
| Pretax return on assets | 1.6636% | 1,131 |
| Return on Equity (ROE) | 9.2134% | 2,383 |
| Retained earnings to average equity (ytd only) | 9.2134% | 1,044 |
| Net charge-offs to loans | 0.0547% | 5,616 |
| Credit loss provision to net charge-offs | 1,783.8710% | 228 |
| Earnings coverage of net charge-offs (x) | 54.8710% | 551 |
| Efficiency ratio | 36.2957% | 7,696 |
| Assets per employee ($millions) | 14.9322% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5873% | 3,505 |
| Loan loss allowance to noncurrent loans | 424.0449% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.2980% | 6,666 |
| Noncurrent loans to loans | 0.3743% | 6,493 |
| Net loans and leases to total assets | 78.3497% | 1,053 |
| Net loans and leases to deposits | 87.1424% | 2,315 |
| Net loans and leases to core deposits | 93.2178% | 2,818 |
| Total domestic deposits to total assets | 89.9100% | 960 |
| Equity capital to assets | 10.0257% | 3,993 |
| Core capital (leverage) ratio | 10.3815% | 2,735 |
| Tier 1 risk-based capital ratio | 11.5390% | 5,725 |
| Total risk-based capital ratio | 12.7916% | 5,699 |
| Memoranda: | ||
| Average total assets | $276,026,000 | 2,362 |
| Average earning assets | $262,566,330 | 2,280 |
| Average equity | $29,196,670 | 2,247 |
| Average total loans | $226,742,670 | 1,968 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8514% | 1,322 |
| Cost of funding earning assets | 2.0719% | 882 |
| Net interest margin | 3.7794% | 3,875 |
| Noninterest income to average assets | 0.2070% | 6,481 |
| Noninterest expense to average assets | 1.3992% | 7,761 |
| Loan and lease loss provision to assets | 0.8930% | 1,423 |
| Net operating income to assets | 0.9353% | 2,413 |
| Return on assets (ROA) | 0.9353% | 2,476 |
| Pretax return on assets | 1.5035% | 1,503 |
| Return on Equity (ROE) | 8.5899% | 2,631 |
| Retained earnings to average equity (ytd only) | 8.5899% | 1,512 |
| Net charge-offs to loans | 0.0181% | 5,329 |
| Credit loss provision to net charge-offs | 5,910.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 158.6000% | 210 |
| Efficiency ratio | 36.6640% | 7,785 |
| Assets per employee ($millions) | 13.8467% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4707% | 4,064 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 80.1003% | 834 |
| Net loans and leases to deposits | 89.7365% | 1,936 |
| Net loans and leases to core deposits | 96.4641% | 2,533 |
| Total domestic deposits to total assets | 89.2617% | 1,390 |
| Equity capital to assets | 10.5292% | 3,219 |
| Core capital (leverage) ratio | 10.9491% | 2,264 |
| Tier 1 risk-based capital ratio | 11.8643% | 5,331 |
| Total risk-based capital ratio | 13.1154% | 5,277 |
| Memoranda: | ||
| Average total assets | $264,717,500 | 2,519 |
| Average earning assets | $251,359,500 | 2,436 |
| Average equity | $28,824,500 | 2,302 |
| Average total loans | $221,234,000 | 2,065 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1527% | 1,366 |
| Cost of funding earning assets | 2.7036% | 587 |
| Net interest margin | 3.4491% | 5,174 |
| Noninterest income to average assets | 0.4171% | 5,070 |
| Noninterest expense to average assets | 1.5662% | 7,784 |
| Loan and lease loss provision to assets | 0.4408% | 4,185 |
| Net operating income to assets | 1.3221% | 989 |
| Return on assets (ROA) | 1.3221% | 1,035 |
| Pretax return on assets | 1.6869% | 807 |
| Return on Equity (ROE) | 12.1305% | 1,132 |
| Retained earnings to average equity (ytd only) | 12.1305% | 198 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1966% | 7,821 |
| Assets per employee ($millions) | 13.2895% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 5,012 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 84.9906% | 353 |
| Net loans and leases to deposits | 96.6140% | 1,256 |
| Net loans and leases to core deposits | 103.9794% | 3,578 |
| Total domestic deposits to total assets | 87.9692% | 1,984 |
| Equity capital to assets | 11.2831% | 2,475 |
| Core capital (leverage) ratio | 11.4010% | 1,971 |
| Tier 1 risk-based capital ratio | 11.9894% | 4,955 |
| Total risk-based capital ratio | 13.1386% | 5,006 |
| Memoranda: | ||
| Average total assets | $227,749,000 | 2,849 |
| Average earning assets | $216,375,000 | 2,751 |
| Average equity | $24,821,800 | 2,624 |
| Average total loans | $192,703,000 | 2,372 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1069% | 1,625 |
| Cost of funding earning assets | 2.8420% | 534 |
| Net interest margin | 3.2649% | 5,774 |
| Noninterest income to average assets | 0.3033% | 6,055 |
| Noninterest expense to average assets | 1.5983% | 7,830 |
| Loan and lease loss provision to assets | 0.4640% | 3,587 |
| Net operating income to assets | 1.2240% | 1,407 |
| Return on assets (ROA) | 1.2240% | 1,469 |
| Pretax return on assets | 1.3444% | 1,834 |
| Return on Equity (ROE) | 11.3447% | 1,530 |
| Retained earnings to average equity (ytd only) | 11.3447% | 431 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6879% | 7,738 |
| Assets per employee ($millions) | 12.8830% | 144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 5,114 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 84.0361% | 537 |
| Net loans and leases to deposits | 95.3348% | 1,666 |
| Net loans and leases to core deposits | 103.8485% | 3,956 |
| Total domestic deposits to total assets | 88.1484% | 1,594 |
| Equity capital to assets | 11.2200% | 2,817 |
| Core capital (leverage) ratio | 11.3082% | 2,183 |
| Tier 1 risk-based capital ratio | 12.0893% | 4,888 |
| Total risk-based capital ratio | 13.1888% | 4,968 |
| Memoranda: | ||
| Average total assets | $221,561,000 | 2,940 |
| Average earning assets | $210,599,500 | 2,848 |
| Average equity | $23,904,750 | 2,770 |
| Average total loans | $186,545,750 | 2,465 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0892% | 1,823 |
| Cost of funding earning assets | 3.0323% | 425 |
| Net interest margin | 3.0569% | 6,374 |
| Noninterest income to average assets | 0.3358% | 5,824 |
| Noninterest expense to average assets | 1.6846% | 7,847 |
| Loan and lease loss provision to assets | 0.6819% | 2,383 |
| Net operating income to assets | 0.8708% | 2,570 |
| Return on assets (ROA) | 0.8708% | 2,678 |
| Pretax return on assets | 0.8708% | 3,441 |
| Return on Equity (ROE) | 8.1960% | 2,693 |
| Retained earnings to average equity (ytd only) | 8.1960% | 1,154 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8058% | 7,530 |
| Assets per employee ($millions) | 12.2165% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 4,862 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 86.2825% | 353 |
| Net loans and leases to deposits | 113.0770% | 443 |
| Net loans and leases to core deposits | 127.3054% | 1,762 |
| Total domestic deposits to total assets | 76.3042% | 6,486 |
| Equity capital to assets | 11.3178% | 2,665 |
| Core capital (leverage) ratio | 11.7940% | 1,925 |
| Tier 1 risk-based capital ratio | 11.9050% | 4,995 |
| Total risk-based capital ratio | 13.0176% | 5,050 |
| Memoranda: | ||
| Average total assets | $213,822,330 | 3,059 |
| Average earning assets | $202,948,670 | 2,963 |
| Average equity | $22,718,330 | 2,887 |
| Average total loans | $179,328,330 | 2,580 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1475% | 1,774 |
| Cost of funding earning assets | 3.3224% | 253 |
| Net interest margin | 2.8250% | 6,940 |
| Noninterest income to average assets | 0.0430% | 7,869 |
| Noninterest expense to average assets | 1.5869% | 7,920 |
| Loan and lease loss provision to assets | 0.6371% | 1,980 |
| Net operating income to assets | 0.4827% | 4,504 |
| Return on assets (ROA) | 0.4827% | 4,694 |
| Pretax return on assets | 0.4827% | 5,132 |
| Return on Equity (ROE) | 4.7177% | 4,596 |
| Retained earnings to average equity (ytd only) | 4.7177% | 3,286 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3394% | 6,642 |
| Assets per employee ($millions) | 12.0904% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 5,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 78.0430% | 1,814 |
| Net loans and leases to deposits | 86.0573% | 3,619 |
| Net loans and leases to core deposits | 99.0213% | 4,639 |
| Total domestic deposits to total assets | 90.6872% | 524 |
| Equity capital to assets | 9.1752% | 5,117 |
| Core capital (leverage) ratio | 9.7884% | 3,650 |
| Tier 1 risk-based capital ratio | 10.3774% | 6,518 |
| Total risk-based capital ratio | 11.3882% | 6,684 |
| Memoranda: | ||
| Average total assets | $204,677,000 | 3,188 |
| Average earning assets | $192,990,500 | 3,113 |
| Average equity | $20,942,500 | 3,126 |
| Average total loans | $167,628,500 | 2,733 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5566% | 2,689 |
| Cost of funding earning assets | 3.4645% | 575 |
| Net interest margin | 3.0921% | 6,670 |
| Noninterest income to average assets | 0.0549% | 7,869 |
| Noninterest expense to average assets | 2.2655% | 6,802 |
| Loan and lease loss provision to assets | 1.1482% | 1,271 |
| Net operating income to assets | -0.4509% | 6,882 |
| Return on assets (ROA) | -0.4509% | 6,759 |
| Pretax return on assets | -0.4509% | 6,608 |
| Return on Equity (ROE) | -2.6404% | 6,579 |
| Retained earnings to average equity (ytd only) | -2.6404% | 6,024 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1022% | 3,224 |
| Assets per employee ($millions) | 9.4546% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1213% | 5,118 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 84.7270% | 779 |
| Net loans and leases to deposits | 95.9762% | 2,456 |
| Net loans and leases to core deposits | 112.3064% | 3,534 |
| Total domestic deposits to total assets | 88.2791% | 1,348 |
| Equity capital to assets | 11.5834% | 2,581 |
| Core capital (leverage) ratio | 12.0455% | 1,943 |
| Tier 1 risk-based capital ratio | 12.1623% | 4,700 |
| Total risk-based capital ratio | 13.1727% | 4,776 |
| Memoranda: | ||
| Average total assets | $120,192,600 | 4,514 |
| Average earning assets | $113,030,600 | 4,445 |
| Average equity | $20,527,400 | 3,153 |
| Average total loans | $99,316,400 | 3,968 |