Home > North Georgia National Bank > Performance and Condition Ratios
North Georgia National 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 | 4.7729% | 2,530 |
| Cost of funding earning assets | 0.9631% | 3,383 |
| Net interest margin | 3.8099% | 1,550 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.4822% | 2,350 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 1.0182% | 2,157 |
| Return on assets (ROA) | 1.0189% | 2,139 |
| Pretax return on assets | 1.2922% | 1,887 |
| Return on Equity (ROE) | 25.6600% | 290 |
| Retained earnings to average equity (ytd only) | 18.3989% | 175 |
| Net charge-offs to loans | -0.0070% | 3,923 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.8014% | 2,755 |
| Assets per employee ($millions) | 6.2224% | 2,615 |
| Cash dividends to net income (ytd only)* | 28.2847% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 2,123 |
| Loan loss allowance to noncurrent loans | 244.5840% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.2767% | 1,839 |
| Noncurrent loans to loans | 0.5022% | 1,528 |
| Net loans and leases to total assets | 54.4200% | 3,320 |
| Net loans and leases to deposits | 57.4259% | 3,650 |
| Net loans and leases to core deposits | 63.5731% | 3,606 |
| Total domestic deposits to total assets | 94.7700% | 66 |
| Equity capital to assets | 4.3987% | 4,477 |
| Core capital (leverage) ratio | 9.3345% | 3,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $215,135,000 | 2,873 |
| Average earning assets | $199,876,600 | 2,873 |
| Average equity | $8,544,000 | 3,872 |
| Average total loans | $113,805,400 | 3,010 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7048% | 2,461 |
| Cost of funding earning assets | 0.8663% | 3,356 |
| Net interest margin | 3.8386% | 1,518 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.4558% | 2,359 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 1.0869% | 2,094 |
| Return on assets (ROA) | 1.0869% | 2,082 |
| Pretax return on assets | 1.3846% | 1,812 |
| Return on Equity (ROE) | 28.1900% | 267 |
| Retained earnings to average equity (ytd only) | 21.7301% | 204 |
| Net charge-offs to loans | -0.0096% | 3,923 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.5105% | 2,781 |
| Assets per employee ($millions) | 5.6763% | 3,044 |
| Cash dividends to net income (ytd only)* | 22.9251% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2434% | 2,148 |
| Loan loss allowance to noncurrent loans | 225.9027% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.3033% | 1,797 |
| Noncurrent loans to loans | 0.5504% | 1,449 |
| Net loans and leases to total assets | 54.4200% | 3,329 |
| Net loans and leases to deposits | 56.8417% | 3,668 |
| Net loans and leases to core deposits | 61.6401% | 3,629 |
| Total domestic deposits to total assets | 95.7400% | 88 |
| Equity capital to assets | 3.3929% | 4,463 |
| Core capital (leverage) ratio | 9.5550% | 3,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $211,361,750 | 2,912 |
| Average earning assets | $195,935,250 | 2,910 |
| Average equity | $8,148,250 | 3,917 |
| Average total loans | $110,544,000 | 3,047 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5813% | 2,451 |
| Cost of funding earning assets | 0.7698% | 3,296 |
| Net interest margin | 3.8115% | 1,600 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.4022% | 2,477 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.1747% | 1,895 |
| Return on assets (ROA) | 1.1747% | 1,892 |
| Pretax return on assets | 1.4598% | 1,677 |
| Return on Equity (ROE) | 29.3100% | 229 |
| Retained earnings to average equity (ytd only) | 23.6541% | 150 |
| Net charge-offs to loans | -0.0110% | 3,941 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.1418% | 2,945 |
| Assets per employee ($millions) | 6.1122% | 2,613 |
| Cash dividends to net income (ytd only)* | 19.2926% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 2,276 |
| Loan loss allowance to noncurrent loans | 264.5545% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 2,010 |
| Noncurrent loans to loans | 0.4656% | 1,548 |
| Net loans and leases to total assets | 50.0800% | 3,557 |
| Net loans and leases to deposits | 53.0033% | 3,796 |
| Net loans and leases to core deposits | 56.5542% | 3,791 |
| Total domestic deposits to total assets | 94.4800% | 122 |
| Equity capital to assets | 4.0425% | 4,497 |
| Core capital (leverage) ratio | 9.3084% | 3,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0965% | 1,550 |
| Memoranda: | ||
| Average total assets | $211,807,667 | 2,922 |
| Average earning assets | $196,405,333 | 2,918 |
| Average equity | $8,489,000 | 3,905 |
| Average total loans | $108,815,667 | 3,066 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4428% | 2,440 |
| Cost of funding earning assets | 0.6807% | 3,118 |
| Net interest margin | 3.7621% | 1,762 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.4029% | 2,520 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.0648% | 2,335 |
| Return on assets (ROA) | 1.0648% | 2,304 |
| Pretax return on assets | 1.3229% | 2,106 |
| Return on Equity (ROE) | 26.6800% | 332 |
| Retained earnings to average equity (ytd only) | 26.6841% | 148 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.1197% | 2,681 |
| Assets per employee ($millions) | 6.2110% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1521% | 2,811 |
| Loan loss allowance to noncurrent loans | 141.9753% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.4219% | 1,223 |
| Noncurrent loans to loans | 0.8115% | 942 |
| Net loans and leases to total assets | 51.4000% | 3,391 |
| Net loans and leases to deposits | 54.4912% | 3,652 |
| Net loans and leases to core deposits | 57.6815% | 3,649 |
| Total domestic deposits to total assets | 94.3200% | 144 |
| Equity capital to assets | 4.3268% | 4,520 |
| Core capital (leverage) ratio | 8.9756% | 3,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4720% | 1,502 |
| Memoranda: | ||
| Average total assets | $210,748,500 | 2,966 |
| Average earning assets | $195,104,000 | 2,961 |
| Average equity | $8,409,500 | 3,965 |
| Average total loans | $108,993,000 | 3,102 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9159% | 1,949 |
| Cost of funding earning assets | 0.2885% | 2,973 |
| Net interest margin | 3.6273% | 1,564 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.5279% | 2,031 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 0.9392% | 2,821 |
| Return on assets (ROA) | 0.9392% | 2,760 |
| Pretax return on assets | 1.1555% | 2,585 |
| Return on Equity (ROE) | 18.6500% | 613 |
| Retained earnings to average equity (ytd only) | 17.0786% | 171 |
| Net charge-offs to loans | -0.0029% | 3,519 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.3117% | 2,183 |
| Assets per employee ($millions) | 6.0092% | 2,755 |
| Cash dividends to net income (ytd only)* | 8.4344% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 2,186 |
| Loan loss allowance to noncurrent loans | 102.5172% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 0.6233% | 795 |
| Noncurrent loans to loans | 1.2118% | 581 |
| Net loans and leases to total assets | 50.8000% | 3,451 |
| Net loans and leases to deposits | 53.2476% | 3,723 |
| Net loans and leases to core deposits | 55.4674% | 3,741 |
| Total domestic deposits to total assets | 95.4000% | 113 |
| Equity capital to assets | 3.6525% | 4,553 |
| Core capital (leverage) ratio | 9.0579% | 3,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2697% | 1,544 |
| Memoranda: | ||
| Average total assets | $201,989,600 | 3,035 |
| Average earning assets | $187,850,800 | 3,015 |
| Average equity | $10,170,600 | 3,850 |
| Average total loans | $103,107,200 | 3,108 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7693% | 1,840 |
| Cost of funding earning assets | 0.2299% | 2,929 |
| Net interest margin | 3.5394% | 1,547 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.5305% | 1,924 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 0.8477% | 3,080 |
| Return on assets (ROA) | 0.8477% | 3,051 |
| Pretax return on assets | 1.0785% | 2,786 |
| Return on Equity (ROE) | 15.7000% | 1,039 |
| Retained earnings to average equity (ytd only) | 14.7132% | 391 |
| Net charge-offs to loans | 0.0013% | 2,268 |
| Credit loss provision to net charge-offs | 21,000.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 1,827.0000% | 70 |
| Efficiency ratio | 67.4969% | 2,085 |
| Assets per employee ($millions) | 5.7956% | 2,932 |
| Cash dividends to net income (ytd only)* | 6.2943% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2217% | 2,413 |
| Loan loss allowance to noncurrent loans | 98.4744% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 0.6463% | 814 |
| Noncurrent loans to loans | 1.2407% | 586 |
| Net loans and leases to total assets | 51.4600% | 3,341 |
| Net loans and leases to deposits | 53.6595% | 3,623 |
| Net loans and leases to core deposits | 55.1905% | 3,678 |
| Total domestic deposits to total assets | 95.9000% | 142 |
| Equity capital to assets | 3.2261% | 4,573 |
| Core capital (leverage) ratio | 8.6420% | 3,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0757% | 1,161 |
| Memoranda: | ||
| Average total assets | $199,906,250 | 3,068 |
| Average earning assets | $186,167,000 | 3,050 |
| Average equity | $10,792,750 | 3,832 |
| Average total loans | $101,837,250 | 3,125 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5995% | 1,850 |
| Cost of funding earning assets | 0.2075% | 2,816 |
| Net interest margin | 3.3920% | 1,630 |
| Noninterest income to average assets | 0.4414% | 2,498 |
| Noninterest expense to average assets | 2.4713% | 2,025 |
| Loan and lease loss provision to assets | 0.1026% | 974 |
| Net operating income to assets | 0.8063% | 2,933 |
| Return on assets (ROA) | 0.8063% | 2,904 |
| Pretax return on assets | 1.0396% | 2,607 |
| Return on Equity (ROE) | 13.1378% | 1,348 |
| Retained earnings to average equity (ytd only) | 12.3188% | 557 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3918% | 2,188 |
| Assets per employee ($millions) | 5.6977% | 3,028 |
| Cash dividends to net income (ytd only)* | 6.2344% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 3,096 |
| Loan loss allowance to noncurrent loans | 90.3127% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 0.6574% | 835 |
| Noncurrent loans to loans | 1.2370% | 640 |
| Net loans and leases to total assets | 52.5532% | 3,105 |
| Net loans and leases to deposits | 55.7473% | 3,404 |
| Net loans and leases to core deposits | 57.3928% | 3,472 |
| Total domestic deposits to total assets | 94.2704% | 239 |
| Equity capital to assets | 4.1756% | 4,606 |
| Core capital (leverage) ratio | 8.6382% | 3,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,926,667 | 3,103 |
| Average earning assets | $186,024,333 | 3,094 |
| Average equity | $12,209,000 | 3,766 |
| Average total loans | $100,560,000 | 3,179 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5034% | 1,800 |
| Cost of funding earning assets | 0.2141% | 2,610 |
| Net interest margin | 3.2892% | 1,592 |
| Noninterest income to average assets | 0.3866% | 2,773 |
| Noninterest expense to average assets | 2.4240% | 2,091 |
| Loan and lease loss provision to assets | 0.0745% | 1,109 |
| Net operating income to assets | 0.7691% | 2,779 |
| Return on assets (ROA) | 0.7691% | 2,770 |
| Pretax return on assets | 0.9805% | 2,500 |
| Return on Equity (ROE) | 10.7986% | 1,682 |
| Retained earnings to average equity (ytd only) | 10.2332% | 968 |
| Net charge-offs to loans | -0.0123% | 3,666 |
| Credit loss provision to net charge-offs | -1,233.3333% | 3,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6759% | 2,279 |
| Assets per employee ($millions) | 5.6679% | 3,154 |
| Cash dividends to net income (ytd only)* | 5.2356% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 3,237 |
| 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 | 49.9133% | 3,187 |
| Net loans and leases to deposits | 53.8352% | 3,429 |
| Net loans and leases to core deposits | 55.2846% | 3,503 |
| Total domestic deposits to total assets | 92.7149% | 340 |
| Equity capital to assets | 6.1373% | 4,555 |
| Core capital (leverage) ratio | 8.5459% | 3,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,680,500 | 3,111 |
| Average earning assets | $186,790,500 | 3,101 |
| Average equity | $14,150,000 | 3,639 |
| Average total loans | $97,847,500 | 3,216 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7122% | 2,075 |
| Cost of funding earning assets | 0.2961% | 2,442 |
| Net interest margin | 3.4161% | 1,973 |
| Noninterest income to average assets | 0.4181% | 2,958 |
| Noninterest expense to average assets | 2.4468% | 2,344 |
| Loan and lease loss provision to assets | 0.0183% | 2,702 |
| Net operating income to assets | 0.9414% | 2,897 |
| Return on assets (ROA) | 0.9555% | 2,919 |
| Pretax return on assets | 1.1665% | 2,774 |
| Return on Equity (ROE) | 10.8114% | 2,231 |
| Retained earnings to average equity (ytd only) | 10.1832% | 870 |
| Net charge-offs to loans | -0.0157% | 3,892 |
| Credit loss provision to net charge-offs | -235.7143% | 3,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6959% | 2,030 |
| Assets per employee ($millions) | 5.6852% | 3,075 |
| Cash dividends to net income (ytd only)* | 5.8106% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1323% | 3,215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 47.4784% | 3,541 |
| Net loans and leases to deposits | 52.3814% | 3,710 |
| Net loans and leases to core deposits | 53.5100% | 3,795 |
| Total domestic deposits to total assets | 90.6399% | 650 |
| Equity capital to assets | 8.1037% | 4,303 |
| Core capital (leverage) ratio | 8.8996% | 3,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,111,000 | 3,208 |
| Average earning assets | $168,525,800 | 3,201 |
| Average equity | $15,918,400 | 3,548 |
| Average total loans | $89,035,400 | 3,351 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8265% | 1,962 |
| Cost of funding earning assets | 0.3174% | 2,429 |
| Net interest margin | 3.5090% | 1,840 |
| Noninterest income to average assets | 0.3968% | 3,104 |
| Noninterest expense to average assets | 2.4615% | 2,235 |
| Loan and lease loss provision to assets | 0.0251% | 2,496 |
| Net operating income to assets | 0.9194% | 3,180 |
| Return on assets (ROA) | 0.9381% | 3,212 |
| Pretax return on assets | 1.2110% | 2,894 |
| Return on Equity (ROE) | 10.3694% | 2,602 |
| Retained earnings to average equity (ytd only) | 10.3694% | 1,203 |
| Net charge-offs to loans | -0.0153% | 3,853 |
| Credit loss provision to net charge-offs | -330.0000% | 3,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9977% | 1,971 |
| Assets per employee ($millions) | 5.5062% | 3,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 2,918 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 3,898 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 48.1943% | 3,609 |
| Net loans and leases to deposits | 53.9004% | 3,747 |
| Net loans and leases to core deposits | 55.8866% | 3,779 |
| Total domestic deposits to total assets | 89.4137% | 1,063 |
| Equity capital to assets | 9.0355% | 3,796 |
| Core capital (leverage) ratio | 8.8682% | 3,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,393,000 | 3,281 |
| Average earning assets | $163,802,750 | 3,274 |
| Average equity | $15,866,750 | 3,597 |
| Average total loans | $87,405,250 | 3,417 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8104% | 2,042 |
| Cost of funding earning assets | 0.3278% | 2,518 |
| Net interest margin | 3.4826% | 1,908 |
| Noninterest income to average assets | 0.4651% | 2,780 |
| Noninterest expense to average assets | 2.4502% | 2,308 |
| Loan and lease loss provision to assets | 0.0289% | 2,404 |
| Net operating income to assets | 0.9914% | 2,919 |
| Return on assets (ROA) | 0.9914% | 3,004 |
| Pretax return on assets | 1.2603% | 2,737 |
| Return on Equity (ROE) | 10.9545% | 2,438 |
| Retained earnings to average equity (ytd only) | 10.9545% | 1,136 |
| Net charge-offs to loans | -0.0184% | 3,958 |
| Credit loss provision to net charge-offs | -312.5000% | 3,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5247% | 2,220 |
| Assets per employee ($millions) | 5.7716% | 2,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1894% | 2,996 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1251% | 3,401 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 47.9945% | 3,725 |
| Net loans and leases to deposits | 53.8298% | 3,864 |
| Net loans and leases to core deposits | 55.8073% | 3,904 |
| Total domestic deposits to total assets | 89.1597% | 1,195 |
| Equity capital to assets | 8.6875% | 4,060 |
| Core capital (leverage) ratio | 9.0008% | 3,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,288,667 | 3,308 |
| Average earning assets | $162,922,333 | 3,282 |
| Average equity | $15,683,000 | 3,618 |
| Average total loans | $86,990,667 | 3,441 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4385% | 3,092 |
| Cost of funding earning assets | 0.3555% | 2,482 |
| Net interest margin | 3.0830% | 3,044 |
| Noninterest income to average assets | 0.4344% | 2,902 |
| Noninterest expense to average assets | 2.4966% | 2,184 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6468% | 3,816 |
| Return on assets (ROA) | 0.6468% | 3,890 |
| Pretax return on assets | 0.8354% | 3,750 |
| Return on Equity (ROE) | 6.9926% | 3,608 |
| Retained earnings to average equity (ytd only) | 6.9926% | 2,579 |
| Net charge-offs to loans | -0.0280% | 4,140 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9284% | 1,231 |
| Assets per employee ($millions) | 5.7783% | 2,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 2,867 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1333% | 3,508 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 48.8682% | 3,725 |
| Net loans and leases to deposits | 54.9197% | 3,875 |
| Net loans and leases to core deposits | 56.9033% | 3,918 |
| Total domestic deposits to total assets | 88.9811% | 1,353 |
| Equity capital to assets | 8.8216% | 3,861 |
| Core capital (leverage) ratio | 9.2964% | 3,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,588,000 | 3,360 |
| Average earning assets | $157,510,500 | 3,335 |
| Average equity | $15,502,000 | 3,635 |
| Average total loans | $85,632,000 | 3,474 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1103% | 2,391 |
| Cost of funding earning assets | 0.4977% | 2,966 |
| Net interest margin | 3.6126% | 2,097 |
| Noninterest income to average assets | 0.4233% | 3,003 |
| Noninterest expense to average assets | 3.0038% | 1,428 |
| Loan and lease loss provision to assets | 0.0660% | 3,550 |
| Net operating income to assets | 0.5355% | 3,953 |
| Return on assets (ROA) | 0.6074% | 3,851 |
| Pretax return on assets | 0.7791% | 3,681 |
| Return on Equity (ROE) | 5.6579% | 3,689 |
| Retained earnings to average equity (ytd only) | 1.2559% | 4,124 |
| Net charge-offs to loans | -0.0417% | 4,630 |
| Credit loss provision to net charge-offs | -279.4118% | 3,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9334% | 898 |
| Assets per employee ($millions) | 5.0571% | 3,330 |
| Cash dividends to net income (ytd only)* | 77.8032% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 2,891 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1427% | 3,576 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 52.2023% | 3,646 |
| Net loans and leases to deposits | 59.1053% | 3,819 |
| Net loans and leases to core deposits | 61.4001% | 3,864 |
| Total domestic deposits to total assets | 88.3209% | 1,316 |
| Equity capital to assets | 9.7091% | 3,394 |
| Core capital (leverage) ratio | 9.9087% | 2,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,882,800 | 3,471 |
| Average earning assets | $132,814,200 | 3,474 |
| Average equity | $15,447,400 | 3,617 |
| Average total loans | $81,619,600 | 3,526 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2658% | 2,201 |
| Cost of funding earning assets | 0.5271% | 3,063 |
| Net interest margin | 3.7387% | 1,800 |
| Noninterest income to average assets | 0.4142% | 3,010 |
| Noninterest expense to average assets | 3.1009% | 1,236 |
| Loan and lease loss provision to assets | 0.0911% | 3,172 |
| Net operating income to assets | 0.5141% | 3,993 |
| Return on assets (ROA) | 0.6131% | 3,820 |
| Pretax return on assets | 0.7872% | 3,681 |
| Return on Equity (ROE) | 5.5564% | 3,701 |
| Retained earnings to average equity (ytd only) | 2.5398% | 3,716 |
| Net charge-offs to loans | -0.0827% | 4,790 |
| Credit loss provision to net charge-offs | -190.0000% | 3,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4666% | 842 |
| Assets per employee ($millions) | 4.5371% | 3,802 |
| Cash dividends to net income (ytd only)* | 54.2902% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2435% | 2,428 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.2314% | 3,290 |
| Noncurrent loans to loans | 0.1243% | 3,882 |
| Net loans and leases to total assets | 57.4380% | 3,471 |
| Net loans and leases to deposits | 66.3431% | 3,594 |
| Net loans and leases to core deposits | 68.2517% | 3,746 |
| Total domestic deposits to total assets | 86.5772% | 1,822 |
| Equity capital to assets | 10.9205% | 2,455 |
| Core capital (leverage) ratio | 10.5545% | 2,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,396,500 | 3,510 |
| Average earning assets | $128,242,500 | 3,512 |
| Average equity | $15,381,250 | 3,620 |
| Average total loans | $80,646,500 | 3,563 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3249% | 2,409 |
| Cost of funding earning assets | 0.5487% | 3,244 |
| Net interest margin | 3.7761% | 1,896 |
| Noninterest income to average assets | 0.4176% | 2,984 |
| Noninterest expense to average assets | 3.0873% | 1,379 |
| Loan and lease loss provision to assets | 0.1382% | 2,636 |
| Net operating income to assets | 0.5143% | 3,973 |
| Return on assets (ROA) | 0.6649% | 3,618 |
| Pretax return on assets | 0.8468% | 3,461 |
| Return on Equity (ROE) | 6.0039% | 3,505 |
| Retained earnings to average equity (ytd only) | 1.4320% | 3,961 |
| Net charge-offs to loans | 0.0983% | 1,286 |
| Credit loss provision to net charge-offs | 243.5897% | 1,766 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,967 |
| Efficiency ratio | 79.5352% | 923 |
| Assets per employee ($millions) | 4.5425% | 3,730 |
| Cash dividends to net income (ytd only)* | 76.1488% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 2,849 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1665% | 3,691 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 57.5189% | 3,552 |
| Net loans and leases to deposits | 66.5102% | 3,676 |
| Net loans and leases to core deposits | 68.5395% | 3,826 |
| Total domestic deposits to total assets | 86.4812% | 1,811 |
| Equity capital to assets | 10.7876% | 2,498 |
| Core capital (leverage) ratio | 10.6996% | 2,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,466,667 | 3,513 |
| Average earning assets | $126,107,667 | 3,519 |
| Average equity | $15,223,333 | 3,635 |
| Average total loans | $79,381,333 | 3,586 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4403% | 2,477 |
| Cost of funding earning assets | 0.5955% | 3,460 |
| Net interest margin | 3.8448% | 1,833 |
| Noninterest income to average assets | 0.4254% | 2,935 |
| Noninterest expense to average assets | 3.1905% | 1,445 |
| Loan and lease loss provision to assets | 0.1288% | 2,103 |
| Net operating income to assets | 0.5080% | 3,870 |
| Return on assets (ROA) | 0.7070% | 3,329 |
| Pretax return on assets | 0.8718% | 3,218 |
| Return on Equity (ROE) | 6.2956% | 3,206 |
| Retained earnings to average equity (ytd only) | -1.7073% | 4,222 |
| Net charge-offs to loans | -0.0156% | 4,236 |
| Credit loss provision to net charge-offs | -1,433.3333% | 3,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8656% | 1,055 |
| Assets per employee ($millions) | 3.7895% | 4,184 |
| Cash dividends to net income (ytd only)* | 127.1186% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 2,629 |
| Loan loss allowance to noncurrent loans | 408.1545% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.3589% | 3,003 |
| Noncurrent loans to loans | 0.2957% | 3,440 |
| Net loans and leases to total assets | 58.6827% | 3,620 |
| Net loans and leases to deposits | 68.4755% | 3,697 |
| Net loans and leases to core deposits | 70.1493% | 3,871 |
| Total domestic deposits to total assets | 85.6988% | 2,129 |
| Equity capital to assets | 11.2590% | 2,630 |
| Core capital (leverage) ratio | 11.3415% | 2,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,519,500 | 3,541 |
| Average earning assets | $122,243,500 | 3,545 |
| Average equity | $14,994,500 | 3,661 |
| Average total loans | $76,786,500 | 3,630 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3729% | 3,326 |
| Cost of funding earning assets | 0.5267% | 3,981 |
| Net interest margin | 3.8462% | 2,354 |
| Noninterest income to average assets | 0.4596% | 2,952 |
| Noninterest expense to average assets | 3.3287% | 1,243 |
| Loan and lease loss provision to assets | 0.0834% | 2,339 |
| Net operating income to assets | 0.4395% | 4,521 |
| Return on assets (ROA) | 0.4808% | 4,495 |
| Pretax return on assets | 0.6386% | 4,350 |
| Return on Equity (ROE) | 4.3368% | 4,388 |
| Retained earnings to average equity (ytd only) | 4.3368% | 2,796 |
| Net charge-offs to loans | 0.1217% | 1,538 |
| Credit loss provision to net charge-offs | 127.9070% | 1,995 |
| Earnings coverage of net charge-offs (x) | 10.2674% | 2,584 |
| Efficiency ratio | 83.2511% | 708 |
| Assets per employee ($millions) | 3.9531% | 3,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 2,381 |
| Loan loss allowance to noncurrent loans | 388.4120% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.3541% | 2,983 |
| Noncurrent loans to loans | 0.3115% | 3,325 |
| Net loans and leases to total assets | 54.9711% | 4,002 |
| Net loans and leases to deposits | 64.2842% | 4,060 |
| Net loans and leases to core deposits | 65.9658% | 4,190 |
| Total domestic deposits to total assets | 85.5127% | 2,280 |
| Equity capital to assets | 11.2018% | 2,815 |
| Core capital (leverage) ratio | 11.8593% | 1,862 |
| Tier 1 risk-based capital ratio | 18.9287% | 1,531 |
| Total risk-based capital ratio | 20.0793% | 1,528 |
| Memoranda: | ||
| Average total assets | $131,854,000 | 3,542 |
| Average earning assets | $121,315,000 | 3,545 |
| Average equity | $14,619,000 | 3,675 |
| Average total loans | $70,678,800 | 3,765 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3589% | 3,486 |
| Cost of funding earning assets | 0.5105% | 4,098 |
| Net interest margin | 3.8484% | 2,443 |
| Noninterest income to average assets | 0.4400% | 3,081 |
| Noninterest expense to average assets | 3.3217% | 1,223 |
| Loan and lease loss provision to assets | 0.0813% | 2,284 |
| Net operating income to assets | 0.4230% | 4,679 |
| Return on assets (ROA) | 0.4623% | 4,632 |
| Pretax return on assets | 0.6178% | 4,511 |
| Return on Equity (ROE) | 4.1810% | 4,559 |
| Retained earnings to average equity (ytd only) | 4.1810% | 3,314 |
| Net charge-offs to loans | -0.0345% | 4,739 |
| Credit loss provision to net charge-offs | -444.4444% | 4,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6489% | 638 |
| Assets per employee ($millions) | 3.7198% | 4,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3611% | 1,718 |
| Loan loss allowance to noncurrent loans | 281.3218% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.2835% | 3,417 |
| Noncurrent loans to loans | 0.4838% | 2,849 |
| Net loans and leases to total assets | 57.7964% | 3,897 |
| Net loans and leases to deposits | 68.6955% | 3,863 |
| Net loans and leases to core deposits | 70.7570% | 4,015 |
| Total domestic deposits to total assets | 84.1343% | 2,771 |
| Equity capital to assets | 12.2569% | 2,072 |
| Core capital (leverage) ratio | 11.8818% | 1,932 |
| Tier 1 risk-based capital ratio | 19.3186% | 1,505 |
| Total risk-based capital ratio | 20.5690% | 1,472 |
| Memoranda: | ||
| Average total assets | $131,215,750 | 3,582 |
| Average earning assets | $120,393,000 | 3,598 |
| Average equity | $14,509,750 | 3,715 |
| Average total loans | $69,651,000 | 3,820 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2587% | 3,764 |
| Cost of funding earning assets | 0.4791% | 4,208 |
| Net interest margin | 3.7796% | 2,650 |
| Noninterest income to average assets | 0.4357% | 3,033 |
| Noninterest expense to average assets | 3.4065% | 1,092 |
| Loan and lease loss provision to assets | 0.0895% | 2,054 |
| Net operating income to assets | 0.3077% | 4,868 |
| Return on assets (ROA) | 0.3089% | 4,876 |
| Pretax return on assets | 0.4133% | 4,816 |
| Return on Equity (ROE) | 2.8888% | 4,808 |
| Retained earnings to average equity (ytd only) | 2.8888% | 3,773 |
| Net charge-offs to loans | -0.0203% | 4,549 |
| Credit loss provision to net charge-offs | -857.1429% | 4,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1707% | 487 |
| Assets per employee ($millions) | 3.7039% | 4,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3817% | 1,692 |
| Loan loss allowance to noncurrent loans | 11,850.0000% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 4,779 |
| Noncurrent loans to loans | 0.0117% | 4,666 |
| Net loans and leases to total assets | 53.7282% | 4,232 |
| Net loans and leases to deposits | 63.4754% | 4,252 |
| Net loans and leases to core deposits | 65.0012% | 4,365 |
| Total domestic deposits to total assets | 84.6441% | 2,621 |
| Equity capital to assets | 11.8778% | 2,281 |
| Core capital (leverage) ratio | 11.3061% | 2,330 |
| Tier 1 risk-based capital ratio | 19.6447% | 1,413 |
| Total risk-based capital ratio | 20.8957% | 1,385 |
| Memoranda: | ||
| Average total assets | $134,036,000 | 3,567 |
| Average earning assets | $123,135,330 | 3,580 |
| Average equity | $14,331,000 | 3,743 |
| Average total loans | $68,892,330 | 3,860 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0639% | 4,226 |
| Cost of funding earning assets | 0.4352% | 4,346 |
| Net interest margin | 3.6287% | 3,140 |
| Noninterest income to average assets | 0.4084% | 3,131 |
| Noninterest expense to average assets | 3.1197% | 1,688 |
| Loan and lease loss provision to assets | 0.0869% | 1,970 |
| Net operating income to assets | 0.4171% | 4,691 |
| Return on assets (ROA) | 0.4171% | 4,705 |
| Pretax return on assets | 0.5591% | 4,587 |
| Return on Equity (ROE) | 4.0976% | 4,554 |
| Retained earnings to average equity (ytd only) | 4.0976% | 3,279 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8462% | 806 |
| Assets per employee ($millions) | 4.1043% | 3,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 2,043 |
| Loan loss allowance to noncurrent loans | 129.5875% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.5353% | 2,497 |
| Noncurrent loans to loans | 1.0112% | 1,651 |
| Net loans and leases to total assets | 52.2374% | 4,320 |
| Net loans and leases to deposits | 60.8725% | 4,368 |
| Net loans and leases to core deposits | 62.1069% | 4,470 |
| Total domestic deposits to total assets | 85.8144% | 2,354 |
| Equity capital to assets | 10.8895% | 2,965 |
| Core capital (leverage) ratio | 11.1068% | 2,468 |
| Tier 1 risk-based capital ratio | 18.7520% | 1,599 |
| Total risk-based capital ratio | 19.9385% | 1,573 |
| Memoranda: | ||
| Average total assets | $138,088,000 | 3,558 |
| Average earning assets | $127,758,500 | 3,548 |
| Average equity | $14,057,000 | 3,793 |
| Average total loans | $69,034,000 | 3,889 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9841% | 4,073 |
| Cost of funding earning assets | 0.3802% | 4,105 |
| Net interest margin | 3.6039% | 3,374 |
| Noninterest income to average assets | 0.4526% | 3,090 |
| Noninterest expense to average assets | 3.0912% | 1,825 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5375% | 4,576 |
| Return on assets (ROA) | 0.5381% | 4,571 |
| Pretax return on assets | 0.7026% | 4,408 |
| Return on Equity (ROE) | 5.3999% | 4,353 |
| Retained earnings to average equity (ytd only) | 3.5657% | 3,628 |
| Net charge-offs to loans | -0.0399% | 4,899 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4958% | 845 |
| Assets per employee ($millions) | 4.1383% | 3,699 |
| Cash dividends to net income (ytd only)* | 33.9674% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2852% | 2,118 |
| Loan loss allowance to noncurrent loans | 127.3121% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.4778% | 2,657 |
| Noncurrent loans to loans | 1.0095% | 1,612 |
| Net loans and leases to total assets | 46.7202% | 4,709 |
| Net loans and leases to deposits | 53.6992% | 4,760 |
| Net loans and leases to core deposits | 54.7112% | 4,826 |
| Total domestic deposits to total assets | 87.0035% | 1,784 |
| Equity capital to assets | 9.5361% | 4,095 |
| Core capital (leverage) ratio | 11.5571% | 2,057 |
| Tier 1 risk-based capital ratio | 18.6071% | 1,593 |
| Total risk-based capital ratio | 19.7572% | 1,569 |
| Memoranda: | ||
| Average total assets | $136,775,600 | 3,554 |
| Average earning assets | $126,778,600 | 3,550 |
| Average equity | $13,630,000 | 3,795 |
| Average total loans | $65,158,000 | 3,982 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9909% | 3,958 |
| Cost of funding earning assets | 0.3695% | 4,053 |
| Net interest margin | 3.6214% | 3,297 |
| Noninterest income to average assets | 0.4680% | 3,056 |
| Noninterest expense to average assets | 2.9157% | 2,260 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6948% | 4,238 |
| Return on assets (ROA) | 0.6955% | 4,244 |
| Pretax return on assets | 0.9083% | 3,993 |
| Return on Equity (ROE) | 6.8998% | 3,968 |
| Retained earnings to average equity (ytd only) | 6.8998% | 2,177 |
| Net charge-offs to loans | -0.0332% | 4,784 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2681% | 1,323 |
| Assets per employee ($millions) | 3.4562% | 4,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 2,218 |
| Loan loss allowance to noncurrent loans | 124.2511% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.5634% | 2,503 |
| Noncurrent loans to loans | 1.0265% | 1,673 |
| Net loans and leases to total assets | 54.1865% | 4,354 |
| Net loans and leases to deposits | 63.5933% | 4,356 |
| Net loans and leases to core deposits | 63.7840% | 4,532 |
| Total domestic deposits to total assets | 85.2078% | 2,523 |
| Equity capital to assets | 11.0196% | 2,643 |
| Core capital (leverage) ratio | 11.4437% | 2,217 |
| Tier 1 risk-based capital ratio | 19.2895% | 1,476 |
| Total risk-based capital ratio | 20.4505% | 1,459 |
| Memoranda: | ||
| Average total assets | $134,759,750 | 3,616 |
| Average earning assets | $124,849,000 | 3,612 |
| Average equity | $13,584,500 | 3,831 |
| Average total loans | $64,310,000 | 4,039 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8357% | 4,254 |
| Cost of funding earning assets | 0.3525% | 4,059 |
| Net interest margin | 3.4832% | 3,694 |
| Noninterest income to average assets | 0.4674% | 3,050 |
| Noninterest expense to average assets | 2.8002% | 2,658 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6874% | 4,231 |
| Return on assets (ROA) | 0.6874% | 4,235 |
| Pretax return on assets | 0.8987% | 3,971 |
| Return on Equity (ROE) | 7.0150% | 3,900 |
| Retained earnings to average equity (ytd only) | 7.0150% | 2,065 |
| Net charge-offs to loans | -0.0222% | 4,608 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7042% | 1,464 |
| Assets per employee ($millions) | 3.8698% | 4,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3414% | 1,987 |
| Loan loss allowance to noncurrent loans | 853.4653% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.0768% | 4,626 |
| Noncurrent loans to loans | 0.1572% | 4,200 |
| Net loans and leases to total assets | 48.1851% | 4,711 |
| Net loans and leases to deposits | 54.9399% | 4,803 |
| Net loans and leases to core deposits | 54.9399% | 4,902 |
| Total domestic deposits to total assets | 87.7050% | 1,538 |
| Equity capital to assets | 10.3083% | 3,331 |
| Core capital (leverage) ratio | 10.8039% | 2,694 |
| Tier 1 risk-based capital ratio | 19.3695% | 1,461 |
| Total risk-based capital ratio | 20.5418% | 1,439 |
| Memoranda: | ||
| Average total assets | $138,205,000 | 3,593 |
| Average earning assets | $128,216,670 | 3,583 |
| Average equity | $13,542,330 | 3,861 |
| Average total loans | $62,982,670 | 4,100 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6877% | 4,492 |
| Cost of funding earning assets | 0.3496% | 3,998 |
| Net interest margin | 3.3381% | 4,084 |
| Noninterest income to average assets | 0.4777% | 2,957 |
| Noninterest expense to average assets | 2.6653% | 3,143 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7010% | 4,093 |
| Return on assets (ROA) | 0.7010% | 4,098 |
| Pretax return on assets | 0.9158% | 3,796 |
| Return on Equity (ROE) | 7.3308% | 3,657 |
| Retained earnings to average equity (ytd only) | 7.3308% | 2,130 |
| Net charge-offs to loans | -0.0128% | 4,354 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4278% | 1,836 |
| Assets per employee ($millions) | 4.2149% | 3,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3817% | 1,910 |
| Loan loss allowance to noncurrent loans | 848.5149% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.0726% | 4,725 |
| Noncurrent loans to loans | 0.1628% | 4,248 |
| Net loans and leases to total assets | 43.9756% | 4,898 |
| Net loans and leases to deposits | 49.6864% | 4,973 |
| Net loans and leases to core deposits | 49.6864% | 5,048 |
| Total domestic deposits to total assets | 88.5063% | 1,350 |
| Equity capital to assets | 9.6892% | 3,900 |
| Core capital (leverage) ratio | 9.8615% | 3,697 |
| Tier 1 risk-based capital ratio | 19.1540% | 1,518 |
| Total risk-based capital ratio | 20.3257% | 1,496 |
| Memoranda: | ||
| Average total assets | $141,520,500 | 3,584 |
| Average earning assets | $131,573,000 | 3,569 |
| Average equity | $13,532,000 | 3,898 |
| Average total loans | $62,343,500 | 4,145 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5687% | 4,640 |
| Cost of funding earning assets | 0.3324% | 3,849 |
| Net interest margin | 3.2363% | 4,341 |
| Noninterest income to average assets | 0.3524% | 3,949 |
| Noninterest expense to average assets | 2.7509% | 2,953 |
| Loan and lease loss provision to assets | -0.1784% | 5,565 |
| Net operating income to assets | 0.4466% | 4,547 |
| Return on assets (ROA) | 0.4466% | 4,573 |
| Pretax return on assets | 0.7662% | 4,345 |
| Return on Equity (ROE) | 4.5235% | 4,339 |
| Retained earnings to average equity (ytd only) | 0.9105% | 4,658 |
| Net charge-offs to loans | -0.0847% | 5,334 |
| Credit loss provision to net charge-offs | 480.7692% | 648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3932% | 900 |
| Assets per employee ($millions) | 4.4984% | 3,186 |
| Cash dividends to net income (ytd only)* | 79.8722% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 1,912 |
| Loan loss allowance to noncurrent loans | 846.5347% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 4,770 |
| Noncurrent loans to loans | 0.1612% | 4,283 |
| Net loans and leases to total assets | 42.9377% | 5,036 |
| Net loans and leases to deposits | 48.4845% | 5,112 |
| Net loans and leases to core deposits | 48.4845% | 5,181 |
| Total domestic deposits to total assets | 88.5598% | 1,220 |
| Equity capital to assets | 9.4388% | 4,285 |
| Core capital (leverage) ratio | 9.8905% | 3,595 |
| Tier 1 risk-based capital ratio | 19.2821% | 1,452 |
| Total risk-based capital ratio | 20.4833% | 1,434 |
| Memoranda: | ||
| Average total assets | $140,169,800 | 3,614 |
| Average earning assets | $129,345,200 | 3,595 |
| Average equity | $13,838,800 | 3,864 |
| Average total loans | $61,425,800 | 4,168 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5373% | 4,720 |
| Cost of funding earning assets | 0.3244% | 3,898 |
| Net interest margin | 3.2129% | 4,420 |
| Noninterest income to average assets | 0.3246% | 4,215 |
| Noninterest expense to average assets | 2.7274% | 2,972 |
| Loan and lease loss provision to assets | -0.2394% | 5,674 |
| Net operating income to assets | 0.5171% | 4,685 |
| Return on assets (ROA) | 0.5171% | 4,710 |
| Pretax return on assets | 0.7958% | 4,356 |
| Return on Equity (ROE) | 5.1791% | 4,457 |
| Retained earnings to average equity (ytd only) | 5.1791% | 2,760 |
| Net charge-offs to loans | -0.0044% | 4,432 |
| Credit loss provision to net charge-offs | 12,500.0000% | 36 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0563% | 834 |
| Assets per employee ($millions) | 4.0121% | 3,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3186% | 2,271 |
| Loan loss allowance to noncurrent loans | 193.5096% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.5315% | 2,932 |
| Noncurrent loans to loans | 0.6814% | 2,665 |
| Net loans and leases to total assets | 44.1636% | 5,017 |
| Net loans and leases to deposits | 50.4218% | 5,114 |
| Net loans and leases to core deposits | 50.4218% | 5,188 |
| Total domestic deposits to total assets | 87.5882% | 1,588 |
| Equity capital to assets | 10.4148% | 3,459 |
| Core capital (leverage) ratio | 9.7664% | 3,863 |
| Tier 1 risk-based capital ratio | 20.7176% | 1,244 |
| Total risk-based capital ratio | 21.8960% | 1,225 |
| Memoranda: | ||
| Average total assets | $139,225,250 | 3,660 |
| Average earning assets | $128,231,250 | 3,642 |
| Average equity | $13,901,750 | 3,894 |
| Average total loans | $61,116,500 | 4,216 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4669% | 4,841 |
| Cost of funding earning assets | 0.3049% | 4,035 |
| Net interest margin | 3.1620% | 4,514 |
| Noninterest income to average assets | 0.2297% | 4,861 |
| Noninterest expense to average assets | 2.6997% | 3,089 |
| Loan and lease loss provision to assets | -0.3567% | 5,744 |
| Net operating income to assets | 0.5194% | 4,657 |
| Return on assets (ROA) | 0.5194% | 4,687 |
| Pretax return on assets | 0.8019% | 4,271 |
| Return on Equity (ROE) | 5.2754% | 4,361 |
| Retained earnings to average equity (ytd only) | 5.2754% | 2,529 |
| Net charge-offs to loans | -0.0949% | 5,394 |
| Credit loss provision to net charge-offs | 862.0690% | 431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8439% | 703 |
| Assets per employee ($millions) | 5.0183% | 2,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3436% | 2,212 |
| Loan loss allowance to noncurrent loans | 330.1587% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 3,618 |
| Noncurrent loans to loans | 0.4070% | 3,565 |
| Net loans and leases to total assets | 40.5791% | 5,207 |
| Net loans and leases to deposits | 45.6728% | 5,290 |
| Net loans and leases to core deposits | 45.6728% | 5,349 |
| Total domestic deposits to total assets | 88.8474% | 1,032 |
| Equity capital to assets | 9.3545% | 4,560 |
| Core capital (leverage) ratio | 9.3231% | 4,336 |
| Tier 1 risk-based capital ratio | 20.2822% | 1,308 |
| Total risk-based capital ratio | 21.4951% | 1,287 |
| Memoranda: | ||
| Average total assets | $140,163,330 | 3,661 |
| Average earning assets | $129,220,670 | 3,654 |
| Average equity | $13,800,000 | 3,919 |
| Average total loans | $61,139,000 | 4,235 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4617% | 4,797 |
| Cost of funding earning assets | 0.2780% | 4,273 |
| Net interest margin | 3.1837% | 4,396 |
| Noninterest income to average assets | 0.1482% | 5,374 |
| Noninterest expense to average assets | 2.7384% | 2,996 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2252% | 5,356 |
| Return on assets (ROA) | 0.2252% | 5,366 |
| Pretax return on assets | 0.3290% | 5,273 |
| Return on Equity (ROE) | 2.2257% | 5,299 |
| Retained earnings to average equity (ytd only) | 2.2257% | 4,253 |
| Net charge-offs to loans | -0.1383% | 5,539 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2754% | 591 |
| Assets per employee ($millions) | 4.6716% | 2,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7572% | 1,040 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2629% | 4,161 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 40.1670% | 5,247 |
| Net loans and leases to deposits | 45.5080% | 5,316 |
| Net loans and leases to core deposits | 45.5958% | 5,375 |
| Total domestic deposits to total assets | 88.2635% | 1,551 |
| Equity capital to assets | 9.1731% | 4,642 |
| Core capital (leverage) ratio | 11.1815% | 2,206 |
| Tier 1 risk-based capital ratio | 19.8870% | 1,416 |
| Total risk-based capital ratio | 21.1416% | 1,385 |
| Memoranda: | ||
| Average total assets | $134,971,000 | 3,771 |
| Average earning assets | $123,755,500 | 3,778 |
| Average equity | $13,658,500 | 3,971 |
| Average total loans | $60,747,000 | 4,278 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0280% | 3,103 |
| Cost of funding earning assets | 0.4145% | 2,868 |
| Net interest margin | 3.6135% | 3,028 |
| Noninterest income to average assets | 0.7111% | 2,127 |
| Noninterest expense to average assets | 3.1961% | 1,797 |
| Loan and lease loss provision to assets | -0.3366% | 5,854 |
| Net operating income to assets | 0.7070% | 3,751 |
| Return on assets (ROA) | 0.7161% | 3,827 |
| Pretax return on assets | 1.1159% | 3,043 |
| Return on Equity (ROE) | 6.1173% | 3,921 |
| Retained earnings to average equity (ytd only) | 0.7260% | 5,037 |
| Net charge-offs to loans | 0.0324% | 3,375 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,381 |
| Earnings coverage of net charge-offs (x) | 45.4500% | 1,071 |
| Efficiency ratio | 80.6883% | 1,339 |
| Assets per employee ($millions) | 4.0150% | 3,941 |
| Cash dividends to net income (ytd only)* | 88.1316% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7441% | 1,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4541% | 3,447 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 49.2491% | 4,812 |
| Net loans and leases to deposits | 57.5630% | 4,826 |
| Net loans and leases to core deposits | 57.7047% | 4,986 |
| Total domestic deposits to total assets | 85.5568% | 2,805 |
| Equity capital to assets | 11.2942% | 2,331 |
| Core capital (leverage) ratio | 11.8159% | 1,711 |
| Tier 1 risk-based capital ratio | 20.4811% | 1,290 |
| Total risk-based capital ratio | 21.7364% | 1,261 |
| Memoranda: | ||
| Average total assets | $118,830,600 | 4,018 |
| Average earning assets | $106,876,000 | 4,060 |
| Average equity | $13,911,400 | 3,951 |
| Average total loans | $61,813,200 | 4,235 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0165% | 3,163 |
| Cost of funding earning assets | 0.4400% | 2,635 |
| Net interest margin | 3.5764% | 3,174 |
| Noninterest income to average assets | 0.7600% | 1,930 |
| Noninterest expense to average assets | 3.2323% | 1,714 |
| Loan and lease loss provision to assets | -0.4503% | 5,939 |
| Net operating income to assets | 0.7712% | 3,506 |
| Return on assets (ROA) | 0.7836% | 3,583 |
| Pretax return on assets | 1.2092% | 2,799 |
| Return on Equity (ROE) | 6.6340% | 3,760 |
| Retained earnings to average equity (ytd only) | 6.6340% | 1,830 |
| Net charge-offs to loans | -0.1716% | 5,722 |
| Credit loss provision to net charge-offs | 500.0000% | 698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3776% | 1,261 |
| Assets per employee ($millions) | 3.7692% | 4,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8085% | 1,001 |
| Loan loss allowance to noncurrent loans | 333.2370% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 1.0621% | 1,939 |
| Noncurrent loans to loans | 0.5427% | 3,368 |
| Net loans and leases to total assets | 53.5756% | 4,533 |
| Net loans and leases to deposits | 63.1982% | 4,545 |
| Net loans and leases to core deposits | 63.5246% | 4,748 |
| Total domestic deposits to total assets | 84.7740% | 2,903 |
| Equity capital to assets | 12.3727% | 1,856 |
| Core capital (leverage) ratio | 11.8961% | 1,745 |
| Tier 1 risk-based capital ratio | 20.2597% | 1,397 |
| Total risk-based capital ratio | 21.5166% | 1,364 |
| Memoranda: | ||
| Average total assets | $118,425,500 | 4,051 |
| Average earning assets | $106,359,750 | 4,097 |
| Average equity | $13,988,250 | 3,975 |
| Average total loans | $62,173,000 | 4,254 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9258% | 3,522 |
| Cost of funding earning assets | 0.4750% | 2,314 |
| Net interest margin | 3.4508% | 3,678 |
| Noninterest income to average assets | 0.4506% | 3,518 |
| Noninterest expense to average assets | 3.1626% | 1,904 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2658% | 5,402 |
| Return on assets (ROA) | 0.2858% | 5,440 |
| Pretax return on assets | 0.4069% | 5,332 |
| Return on Equity (ROE) | 2.4581% | 5,398 |
| Retained earnings to average equity (ytd only) | 2.4581% | 4,322 |
| Net charge-offs to loans | -0.2660% | 5,860 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3162% | 634 |
| Assets per employee ($millions) | 3.6134% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4726% | 376 |
| Loan loss allowance to noncurrent loans | 157.7079% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 1.7066% | 1,046 |
| Noncurrent loans to loans | 1.5678% | 1,371 |
| Net loans and leases to total assets | 51.4378% | 4,722 |
| Net loans and leases to deposits | 60.0217% | 4,797 |
| Net loans and leases to core deposits | 60.3216% | 4,968 |
| Total domestic deposits to total assets | 85.6987% | 2,557 |
| Equity capital to assets | 11.7032% | 2,354 |
| Core capital (leverage) ratio | 11.0552% | 2,380 |
| Tier 1 risk-based capital ratio | 19.7800% | 1,506 |
| Total risk-based capital ratio | 21.0444% | 1,466 |
| Memoranda: | ||
| Average total assets | $118,952,000 | 4,062 |
| Average earning assets | $106,525,000 | 4,125 |
| Average equity | $13,832,000 | 4,013 |
| Average total loans | $61,646,000 | 4,293 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9094% | 3,554 |
| Cost of funding earning assets | 0.4806% | 2,270 |
| Net interest margin | 3.4288% | 3,769 |
| Noninterest income to average assets | 0.5690% | 2,686 |
| Noninterest expense to average assets | 3.1210% | 2,044 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3354% | 5,194 |
| Return on assets (ROA) | 0.3737% | 5,147 |
| Pretax return on assets | 0.5555% | 4,942 |
| Return on Equity (ROE) | 3.2243% | 5,153 |
| Retained earnings to average equity (ytd only) | 3.2243% | 3,888 |
| Net charge-offs to loans | -0.1377% | 5,748 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2326% | 953 |
| Assets per employee ($millions) | 3.6161% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4502% | 410 |
| Loan loss allowance to noncurrent loans | 144.0694% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 1.9944% | 868 |
| Noncurrent loans to loans | 1.7007% | 1,329 |
| Net loans and leases to total assets | 48.3790% | 4,942 |
| Net loans and leases to deposits | 56.2097% | 4,968 |
| Net loans and leases to core deposits | 57.6513% | 5,066 |
| Total domestic deposits to total assets | 86.0687% | 2,644 |
| Equity capital to assets | 11.2814% | 2,649 |
| Core capital (leverage) ratio | 11.1487% | 2,265 |
| Tier 1 risk-based capital ratio | 20.0371% | 1,489 |
| Total risk-based capital ratio | 21.3011% | 1,462 |
| Memoranda: | ||
| Average total assets | $118,807,500 | 4,101 |
| Average earning assets | $105,694,000 | 4,168 |
| Average equity | $13,770,500 | 4,032 |
| Average total loans | $61,024,000 | 4,343 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1180% | 2,851 |
| Cost of funding earning assets | 0.5750% | 1,548 |
| Net interest margin | 3.5430% | 3,358 |
| Noninterest income to average assets | 0.4102% | 3,951 |
| Noninterest expense to average assets | 3.5103% | 1,275 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3642% | 5,161 |
| Return on assets (ROA) | 0.4162% | 5,085 |
| Pretax return on assets | 0.0998% | 5,800 |
| Return on Equity (ROE) | 3.6703% | 5,077 |
| Retained earnings to average equity (ytd only) | 3.6703% | 3,443 |
| Net charge-offs to loans | 0.0233% | 3,795 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 3.7333% | 3,672 |
| Efficiency ratio | 98.6577% | 317 |
| Assets per employee ($millions) | 3.3726% | 5,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4118% | 445 |
| Loan loss allowance to noncurrent loans | 131.2834% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 2.2831% | 717 |
| Noncurrent loans to loans | 1.8371% | 1,179 |
| Net loans and leases to total assets | 51.9766% | 4,697 |
| Net loans and leases to deposits | 60.9137% | 4,707 |
| Net loans and leases to core deposits | 62.8245% | 4,811 |
| Total domestic deposits to total assets | 85.3282% | 2,934 |
| Equity capital to assets | 11.9221% | 2,017 |
| Core capital (leverage) ratio | 11.1772% | 2,240 |
| Tier 1 risk-based capital ratio | 19.4183% | 1,608 |
| Total risk-based capital ratio | 20.6839% | 1,566 |
| Memoranda: | ||
| Average total assets | $117,256,600 | 4,112 |
| Average earning assets | $104,176,000 | 4,184 |
| Average equity | $13,295,800 | 4,076 |
| Average total loans | $64,349,000 | 4,247 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0385% | 3,176 |
| Cost of funding earning assets | 0.5769% | 1,568 |
| Net interest margin | 3.4615% | 3,716 |
| Noninterest income to average assets | 0.2375% | 5,233 |
| Noninterest expense to average assets | 3.4570% | 1,368 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.1459% | 6,026 |
| Return on assets (ROA) | -0.0769% | 6,011 |
| Pretax return on assets | -0.0701% | 6,004 |
| Return on Equity (ROE) | -0.6867% | 6,007 |
| Retained earnings to average equity (ytd only) | -0.6867% | 5,714 |
| Net charge-offs to loans | -0.1289% | 5,879 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1922% | 207 |
| Assets per employee ($millions) | 3.4418% | 4,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3359% | 545 |
| Loan loss allowance to noncurrent loans | 85.7854% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 2.5526% | 667 |
| Noncurrent loans to loans | 2.7230% | 699 |
| Net loans and leases to total assets | 55.4145% | 4,417 |
| Net loans and leases to deposits | 64.6443% | 4,503 |
| Net loans and leases to core deposits | 67.3571% | 4,597 |
| Total domestic deposits to total assets | 85.7221% | 2,682 |
| Equity capital to assets | 11.2835% | 2,718 |
| Core capital (leverage) ratio | 10.7719% | 2,744 |
| Tier 1 risk-based capital ratio | 17.8493% | 2,074 |
| Total risk-based capital ratio | 19.1109% | 2,034 |
| Memoranda: | ||
| Average total assets | $117,903,500 | 4,145 |
| Average earning assets | $104,922,000 | 4,212 |
| Average equity | $13,202,000 | 4,142 |
| Average total loans | $65,167,750 | 4,272 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9286% | 3,579 |
| Cost of funding earning assets | 0.5683% | 1,657 |
| Net interest margin | 3.3603% | 4,055 |
| Noninterest income to average assets | 0.2234% | 5,366 |
| Noninterest expense to average assets | 3.4214% | 1,435 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.2132% | 6,110 |
| Return on assets (ROA) | -0.1100% | 6,081 |
| Pretax return on assets | -0.1032% | 6,068 |
| Return on Equity (ROE) | -0.9847% | 6,082 |
| Retained earnings to average equity (ytd only) | -0.9847% | 5,688 |
| Net charge-offs to loans | -0.1235% | 5,860 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.4211% | 216 |
| Assets per employee ($millions) | 3.6268% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2570% | 676 |
| Loan loss allowance to noncurrent loans | 60.9008% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 4.0833% | 324 |
| Noncurrent loans to loans | 3.7060% | 459 |
| Net loans and leases to total assets | 55.2902% | 4,411 |
| Net loans and leases to deposits | 64.0808% | 4,524 |
| Net loans and leases to core deposits | 67.3709% | 4,545 |
| Total domestic deposits to total assets | 86.2821% | 2,536 |
| Equity capital to assets | 10.9815% | 2,899 |
| Core capital (leverage) ratio | 10.7860% | 2,631 |
| Tier 1 risk-based capital ratio | 17.5522% | 2,199 |
| Total risk-based capital ratio | 18.8129% | 2,152 |
| Memoranda: | ||
| Average total assets | $118,198,000 | 4,183 |
| Average earning assets | $105,229,000 | 4,237 |
| Average equity | $13,201,330 | 4,168 |
| Average total loans | $64,758,000 | 4,319 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9342% | 3,485 |
| Cost of funding earning assets | 0.5763% | 1,608 |
| Net interest margin | 3.3579% | 3,993 |
| Noninterest income to average assets | -0.0409% | 6,357 |
| Noninterest expense to average assets | 3.4771% | 1,361 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.5517% | 6,259 |
| Return on assets (ROA) | -0.3440% | 6,217 |
| Pretax return on assets | -0.3337% | 6,198 |
| Return on Equity (ROE) | -3.0536% | 6,218 |
| Retained earnings to average equity (ytd only) | -3.0536% | 5,799 |
| Net charge-offs to loans | -0.0442% | 5,457 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.4455% | 138 |
| Assets per employee ($millions) | 3.5622% | 4,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3737% | 643 |
| Loan loss allowance to noncurrent loans | 82.3238% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 3.5729% | 458 |
| Noncurrent loans to loans | 2.8834% | 781 |
| Net loans and leases to total assets | 52.3067% | 4,635 |
| Net loans and leases to deposits | 60.7970% | 4,683 |
| Net loans and leases to core deposits | 63.9863% | 4,697 |
| Total domestic deposits to total assets | 86.0350% | 2,918 |
| Equity capital to assets | 11.2283% | 2,725 |
| Core capital (leverage) ratio | 10.9502% | 2,460 |
| Tier 1 risk-based capital ratio | 18.1646% | 2,092 |
| Total risk-based capital ratio | 19.4249% | 2,044 |
| Memoranda: | ||
| Average total assets | $117,455,500 | 4,228 |
| Average earning assets | $104,113,500 | 4,295 |
| Average equity | $13,230,500 | 4,194 |
| Average total loans | $63,286,500 | 4,388 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0650% | 3,460 |
| Cost of funding earning assets | 0.7026% | 1,090 |
| Net interest margin | 3.3624% | 4,363 |
| Noninterest income to average assets | 0.8387% | 1,718 |
| Noninterest expense to average assets | 3.3946% | 1,708 |
| Loan and lease loss provision to assets | -0.6889% | 6,468 |
| Net operating income to assets | 1.1333% | 1,843 |
| Return on assets (ROA) | 1.1711% | 1,747 |
| Pretax return on assets | 1.1711% | 2,774 |
| Return on Equity (ROE) | 11.0375% | 1,717 |
| Retained earnings to average equity (ytd only) | 11.0375% | 376 |
| Net charge-offs to loans | -0.0062% | 5,491 |
| Credit loss provision to net charge-offs | 20,000.0000% | 12 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4253% | 955 |
| Assets per employee ($millions) | 3.5564% | 4,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3400% | 682 |
| Loan loss allowance to noncurrent loans | 79.4023% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 3.6716% | 492 |
| Noncurrent loans to loans | 2.9470% | 770 |
| Net loans and leases to total assets | 52.9167% | 4,699 |
| Net loans and leases to deposits | 60.9678% | 4,813 |
| Net loans and leases to core deposits | 64.3768% | 4,800 |
| Total domestic deposits to total assets | 86.7945% | 2,393 |
| Equity capital to assets | 11.3003% | 2,602 |
| Core capital (leverage) ratio | 10.9117% | 2,485 |
| Tier 1 risk-based capital ratio | 17.6516% | 2,263 |
| Total risk-based capital ratio | 18.9119% | 2,227 |
| Memoranda: | ||
| Average total assets | $116,125,800 | 4,254 |
| Average earning assets | $103,615,800 | 4,317 |
| Average equity | $12,321,600 | 4,298 |
| Average total loans | $64,632,000 | 4,345 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0658% | 3,503 |
| Cost of funding earning assets | 0.7212% | 1,043 |
| Net interest margin | 3.3446% | 4,452 |
| Noninterest income to average assets | 0.5871% | 2,949 |
| Noninterest expense to average assets | 3.4018% | 1,659 |
| Loan and lease loss provision to assets | -0.9210% | 6,567 |
| Net operating income to assets | 1.0960% | 2,053 |
| Return on assets (ROA) | 1.1466% | 1,935 |
| Pretax return on assets | 1.1466% | 3,003 |
| Return on Equity (ROE) | 10.9872% | 1,792 |
| Retained earnings to average equity (ytd only) | 10.9872% | 512 |
| Net charge-offs to loans | -0.4602% | 6,448 |
| Credit loss provision to net charge-offs | 357.1429% | 790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1078% | 540 |
| Assets per employee ($millions) | 3.6867% | 4,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7729% | 456 |
| Loan loss allowance to noncurrent loans | 55.4186% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 3.8858% | 524 |
| Noncurrent loans to loans | 5.0035% | 366 |
| Net loans and leases to total assets | 52.4014% | 4,761 |
| Net loans and leases to deposits | 60.3051% | 4,912 |
| Net loans and leases to core deposits | 65.7875% | 4,729 |
| Total domestic deposits to total assets | 86.8938% | 2,375 |
| Equity capital to assets | 11.2067% | 2,752 |
| Core capital (leverage) ratio | 10.7128% | 2,806 |
| Tier 1 risk-based capital ratio | 18.4400% | 2,073 |
| Total risk-based capital ratio | 19.7061% | 2,029 |
| Memoranda: | ||
| Average total assets | $115,817,250 | 4,303 |
| Average earning assets | $103,527,000 | 4,359 |
| Average equity | $12,086,500 | 4,372 |
| Average total loans | $64,892,250 | 4,375 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1158% | 3,278 |
| Cost of funding earning assets | 0.7242% | 1,056 |
| Net interest margin | 3.3916% | 4,213 |
| Noninterest income to average assets | 0.5399% | 3,208 |
| Noninterest expense to average assets | 3.4162% | 1,643 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1513% | 5,952 |
| Return on assets (ROA) | 0.2269% | 5,832 |
| Pretax return on assets | 0.2269% | 5,911 |
| Return on Equity (ROE) | 2.2286% | 5,786 |
| Retained earnings to average equity (ytd only) | 2.2286% | 4,775 |
| Net charge-offs to loans | -0.4243% | 6,492 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7590% | 569 |
| Assets per employee ($millions) | 3.7492% | 4,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6956% | 213 |
| Loan loss allowance to noncurrent loans | 81.0431% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 3.9321% | 554 |
| Noncurrent loans to loans | 4.5600% | 477 |
| Net loans and leases to total assets | 54.3502% | 4,495 |
| Net loans and leases to deposits | 61.8609% | 4,706 |
| Net loans and leases to core deposits | 67.5312% | 4,505 |
| Total domestic deposits to total assets | 87.8588% | 1,992 |
| Equity capital to assets | 10.2862% | 3,713 |
| Core capital (leverage) ratio | 9.6757% | 4,077 |
| Tier 1 risk-based capital ratio | 16.4640% | 2,844 |
| Total risk-based capital ratio | 17.7413% | 2,795 |
| Memoranda: | ||
| Average total assets | $116,326,670 | 4,322 |
| Average earning assets | $103,844,330 | 4,370 |
| Average equity | $11,846,000 | 4,426 |
| Average total loans | $65,990,670 | 4,356 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1556% | 3,052 |
| Cost of funding earning assets | 0.7267% | 1,097 |
| Net interest margin | 3.4288% | 3,989 |
| Noninterest income to average assets | 0.4571% | 3,730 |
| Noninterest expense to average assets | 3.4061% | 1,690 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0997% | 6,033 |
| Return on assets (ROA) | 0.2509% | 5,701 |
| Pretax return on assets | 0.2509% | 5,819 |
| Return on Equity (ROE) | 2.4764% | 5,636 |
| Retained earnings to average equity (ytd only) | 2.4764% | 4,589 |
| Net charge-offs to loans | -0.6345% | 6,582 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1569% | 587 |
| Assets per employee ($millions) | 3.8002% | 4,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6245% | 245 |
| Loan loss allowance to noncurrent loans | 67.2958% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 4.8919% | 429 |
| Noncurrent loans to loans | 5.3859% | 378 |
| Net loans and leases to total assets | 53.9221% | 4,429 |
| Net loans and leases to deposits | 61.1855% | 4,642 |
| Net loans and leases to core deposits | 66.6905% | 4,425 |
| Total domestic deposits to total assets | 88.1289% | 2,152 |
| Equity capital to assets | 10.0486% | 3,788 |
| Core capital (leverage) ratio | 9.7730% | 3,897 |
| Tier 1 risk-based capital ratio | 16.2298% | 3,042 |
| Total risk-based capital ratio | 17.5063% | 2,990 |
| Memoranda: | ||
| Average total assets | $116,378,000 | 4,358 |
| Average earning assets | $103,475,000 | 4,410 |
| Average equity | $11,791,500 | 4,451 |
| Average total loans | $66,190,000 | 4,382 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4279% | 2,480 |
| Cost of funding earning assets | 0.8728% | 851 |
| Net interest margin | 3.5550% | 3,656 |
| Noninterest income to average assets | 0.2740% | 5,395 |
| Noninterest expense to average assets | 3.3342% | 2,042 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0880% | 6,074 |
| Return on assets (ROA) | 0.2092% | 5,862 |
| Pretax return on assets | 0.2092% | 5,919 |
| Return on Equity (ROE) | 2.1278% | 5,795 |
| Retained earnings to average equity (ytd only) | 2.1278% | 4,730 |
| Net charge-offs to loans | 0.3376% | 1,989 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.4549% | 4,927 |
| Efficiency ratio | 97.4284% | 570 |
| Assets per employee ($millions) | 3.7080% | 4,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4363% | 306 |
| Loan loss allowance to noncurrent loans | 67.9762% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 4.9396% | 481 |
| Noncurrent loans to loans | 5.0551% | 486 |
| Net loans and leases to total assets | 55.8361% | 4,343 |
| Net loans and leases to deposits | 63.9069% | 4,513 |
| Net loans and leases to core deposits | 69.6944% | 4,313 |
| Total domestic deposits to total assets | 87.3709% | 2,539 |
| Equity capital to assets | 10.2176% | 3,488 |
| Core capital (leverage) ratio | 9.6875% | 4,005 |
| Tier 1 risk-based capital ratio | 16.3916% | 2,906 |
| Total risk-based capital ratio | 17.6659% | 2,853 |
| Memoranda: | ||
| Average total assets | $120,449,600 | 4,268 |
| Average earning assets | $106,665,600 | 4,346 |
| Average equity | $11,843,000 | 4,471 |
| Average total loans | $69,017,000 | 4,308 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4353% | 2,478 |
| Cost of funding earning assets | 0.8885% | 864 |
| Net interest margin | 3.5467% | 3,673 |
| Noninterest income to average assets | 0.1532% | 6,272 |
| Noninterest expense to average assets | 3.2844% | 2,108 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0099% | 6,284 |
| Return on assets (ROA) | 0.0471% | 6,278 |
| Pretax return on assets | 0.0471% | 6,263 |
| Return on Equity (ROE) | 0.4831% | 6,274 |
| Retained earnings to average equity (ytd only) | 0.4831% | 5,775 |
| Net charge-offs to loans | 0.6546% | 934 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.0263% | 4,850 |
| Efficiency ratio | 99.7010% | 475 |
| Assets per employee ($millions) | 3.8566% | 4,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2104% | 450 |
| Loan loss allowance to noncurrent loans | 148.4642% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 3.4703% | 982 |
| Noncurrent loans to loans | 2.1624% | 2,048 |
| Net loans and leases to total assets | 54.8471% | 4,476 |
| Net loans and leases to deposits | 62.1180% | 4,751 |
| Net loans and leases to core deposits | 69.8678% | 4,336 |
| Total domestic deposits to total assets | 88.2950% | 1,942 |
| Equity capital to assets | 9.7477% | 4,244 |
| Core capital (leverage) ratio | 9.2377% | 4,774 |
| Tier 1 risk-based capital ratio | 15.8025% | 3,298 |
| Total risk-based capital ratio | 17.0748% | 3,239 |
| Memoranda: | ||
| Average total assets | $121,824,750 | 4,279 |
| Average earning assets | $107,890,000 | 4,355 |
| Average equity | $11,867,500 | 4,524 |
| Average total loans | $69,654,500 | 4,311 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4304% | 2,455 |
| Cost of funding earning assets | 0.8986% | 907 |
| Net interest margin | 3.5318% | 3,647 |
| Noninterest income to average assets | 0.1697% | 6,197 |
| Noninterest expense to average assets | 3.1783% | 2,408 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1142% | 6,103 |
| Return on assets (ROA) | 0.1697% | 6,093 |
| Pretax return on assets | 0.1697% | 6,128 |
| Return on Equity (ROE) | 1.7422% | 6,033 |
| Retained earnings to average equity (ytd only) | 1.7422% | 5,142 |
| Net charge-offs to loans | 1.5280% | 343 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.1304% | 4,500 |
| Efficiency ratio | 96.5312% | 635 |
| Assets per employee ($millions) | 4.0225% | 3,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8554% | 672 |
| Loan loss allowance to noncurrent loans | 124.2938% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 4.1493% | 820 |
| Noncurrent loans to loans | 2.2973% | 2,057 |
| Net loans and leases to total assets | 54.0213% | 4,585 |
| Net loans and leases to deposits | 60.9454% | 4,869 |
| Net loans and leases to core deposits | 69.1058% | 4,374 |
| Total domestic deposits to total assets | 88.6389% | 1,817 |
| Equity capital to assets | 9.4686% | 4,620 |
| Core capital (leverage) ratio | 9.0885% | 4,841 |
| Tier 1 risk-based capital ratio | 15.0649% | 3,742 |
| Total risk-based capital ratio | 16.3316% | 3,689 |
| Memoranda: | ||
| Average total assets | $122,581,000 | 4,288 |
| Average earning assets | $108,387,670 | 4,378 |
| Average equity | $11,938,670 | 4,549 |
| Average total loans | $70,290,000 | 4,299 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5177% | 2,107 |
| Cost of funding earning assets | 0.9222% | 884 |
| Net interest margin | 3.5955% | 3,284 |
| Noninterest income to average assets | 0.4213% | 4,305 |
| Noninterest expense to average assets | 3.0644% | 2,796 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5266% | 4,543 |
| Return on assets (ROA) | 0.5266% | 4,690 |
| Pretax return on assets | 0.5266% | 5,186 |
| Return on Equity (ROE) | 5.3313% | 4,385 |
| Retained earnings to average equity (ytd only) | 5.3313% | 3,039 |
| Net charge-offs to loans | -0.0509% | 6,148 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3346% | 1,604 |
| Assets per employee ($millions) | 4.3052% | 3,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5476% | 402 |
| Loan loss allowance to noncurrent loans | 116.0846% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 4.4241% | 846 |
| Noncurrent loans to loans | 3.0560% | 1,633 |
| Net loans and leases to total assets | 53.1740% | 4,535 |
| Net loans and leases to deposits | 59.8621% | 4,807 |
| Net loans and leases to core deposits | 68.2053% | 4,276 |
| Total domestic deposits to total assets | 88.8276% | 1,778 |
| Equity capital to assets | 9.3359% | 5,088 |
| Core capital (leverage) ratio | 9.3160% | 4,372 |
| Tier 1 risk-based capital ratio | 14.5867% | 4,117 |
| Total risk-based capital ratio | 15.8633% | 4,060 |
| Memoranda: | ||
| Average total assets | $121,523,000 | 4,355 |
| Average earning assets | $107,135,000 | 4,443 |
| Average equity | $12,004,500 | 4,575 |
| Average total loans | $70,763,500 | 4,320 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6741% | 2,690 |
| Cost of funding earning assets | 1.2159% | 541 |
| Net interest margin | 3.4581% | 4,674 |
| Noninterest income to average assets | 0.5577% | 3,521 |
| Noninterest expense to average assets | 3.1234% | 2,860 |
| Loan and lease loss provision to assets | 0.5827% | 953 |
| Net operating income to assets | -0.0939% | 6,281 |
| Return on assets (ROA) | 0.0688% | 6,205 |
| Pretax return on assets | 0.0688% | 6,198 |
| Return on Equity (ROE) | 0.7109% | 6,184 |
| Retained earnings to average equity (ytd only) | 0.7109% | 5,514 |
| Net charge-offs to loans | 0.7882% | 1,486 |
| Credit loss provision to net charge-offs | 126.0946% | 2,239 |
| Earnings coverage of net charge-offs (x) | 1.0578% | 4,934 |
| Efficiency ratio | 86.4665% | 1,386 |
| Assets per employee ($millions) | 3.7963% | 4,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5792% | 401 |
| Loan loss allowance to noncurrent loans | 74.0730% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 6.3132% | 529 |
| Noncurrent loans to loans | 4.8320% | 846 |
| Net loans and leases to total assets | 59.5369% | 3,679 |
| Net loans and leases to deposits | 68.1522% | 3,961 |
| Net loans and leases to core deposits | 79.4800% | 3,080 |
| Total domestic deposits to total assets | 87.3587% | 2,612 |
| Equity capital to assets | 10.4936% | 3,536 |
| Core capital (leverage) ratio | 9.9211% | 3,513 |
| Tier 1 risk-based capital ratio | 14.7874% | 3,841 |
| Total risk-based capital ratio | 16.0632% | 3,779 |
| Memoranda: | ||
| Average total assets | $123,553,000 | 4,280 |
| Average earning assets | $109,133,800 | 4,363 |
| Average equity | $11,957,000 | 4,577 |
| Average total loans | $72,442,400 | 4,256 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6009% | 3,193 |
| Cost of funding earning assets | 1.2698% | 503 |
| Net interest margin | 3.3311% | 5,275 |
| Noninterest income to average assets | 0.6583% | 2,945 |
| Noninterest expense to average assets | 2.9774% | 3,315 |
| Loan and lease loss provision to assets | 0.6986% | 728 |
| Net operating income to assets | -0.0688% | 6,366 |
| Return on assets (ROA) | 0.1439% | 6,196 |
| Pretax return on assets | 0.1439% | 6,213 |
| Return on Equity (ROE) | 1.5163% | 6,154 |
| Retained earnings to average equity (ytd only) | 1.5163% | 5,580 |
| Net charge-offs to loans | 1.0543% | 999 |
| Credit loss provision to net charge-offs | 114.3847% | 2,549 |
| Earnings coverage of net charge-offs (x) | 1.0312% | 4,799 |
| Efficiency ratio | 82.5411% | 1,748 |
| Assets per employee ($millions) | 3.8186% | 4,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4030% | 509 |
| Loan loss allowance to noncurrent loans | 100.4097% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 5.7875% | 718 |
| Noncurrent loans to loans | 3.3891% | 1,613 |
| Net loans and leases to total assets | 62.8270% | 3,238 |
| Net loans and leases to deposits | 72.5281% | 3,529 |
| Net loans and leases to core deposits | 85.8017% | 2,491 |
| Total domestic deposits to total assets | 86.6244% | 2,901 |
| Equity capital to assets | 10.8589% | 3,435 |
| Core capital (leverage) ratio | 9.3269% | 4,534 |
| Tier 1 risk-based capital ratio | 14.4638% | 4,213 |
| Total risk-based capital ratio | 15.7361% | 4,163 |
| Memoranda: | ||
| Average total assets | $125,969,000 | 4,270 |
| Average earning assets | $111,512,250 | 4,348 |
| Average equity | $11,958,500 | 4,621 |
| Average total loans | $72,972,250 | 4,296 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3936% | 4,209 |
| Cost of funding earning assets | 1.2673% | 602 |
| Net interest margin | 3.1263% | 5,921 |
| Noninterest income to average assets | 0.8211% | 2,092 |
| Noninterest expense to average assets | 2.8753% | 3,728 |
| Loan and lease loss provision to assets | 0.7326% | 716 |
| Net operating income to assets | -0.0046% | 6,324 |
| Return on assets (ROA) | 0.1557% | 6,196 |
| Pretax return on assets | 0.1557% | 6,216 |
| Return on Equity (ROE) | 1.7091% | 6,128 |
| Retained earnings to average equity (ytd only) | 1.7091% | 5,339 |
| Net charge-offs to loans | 1.1871% | 914 |
| Credit loss provision to net charge-offs | 110.3448% | 2,466 |
| Earnings coverage of net charge-offs (x) | 1.0966% | 4,467 |
| Efficiency ratio | 79.7967% | 2,217 |
| Assets per employee ($millions) | 4.1503% | 3,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3825% | 546 |
| Loan loss allowance to noncurrent loans | 63.0355% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 5.9374% | 720 |
| Noncurrent loans to loans | 5.3661% | 875 |
| Net loans and leases to total assets | 53.5707% | 4,868 |
| Net loans and leases to deposits | 62.0015% | 4,992 |
| Net loans and leases to core deposits | 73.7423% | 4,067 |
| Total domestic deposits to total assets | 86.4021% | 3,140 |
| Equity capital to assets | 9.3588% | 5,247 |
| Core capital (leverage) ratio | 8.6686% | 5,419 |
| Tier 1 risk-based capital ratio | 14.5004% | 4,106 |
| Total risk-based capital ratio | 15.7716% | 4,052 |
| Memoranda: | ||
| Average total assets | $131,045,670 | 4,185 |
| Average earning assets | $116,623,670 | 4,254 |
| Average equity | $11,936,330 | 4,621 |
| Average total loans | $73,288,000 | 4,305 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2944% | 4,760 |
| Cost of funding earning assets | 1.3073% | 615 |
| Net interest margin | 2.9871% | 6,317 |
| Noninterest income to average assets | 0.8197% | 2,067 |
| Noninterest expense to average assets | 2.8131% | 3,978 |
| Loan and lease loss provision to assets | 0.7260% | 706 |
| Net operating income to assets | -0.0514% | 6,485 |
| Return on assets (ROA) | -0.0514% | 6,580 |
| Pretax return on assets | -0.0514% | 6,572 |
| Return on Equity (ROE) | -0.5722% | 6,591 |
| Retained earnings to average equity (ytd only) | -0.5722% | 6,087 |
| Net charge-offs to loans | 2.3807% | 355 |
| Credit loss provision to net charge-offs | 54.2986% | 3,215 |
| Earnings coverage of net charge-offs (x) | 0.5045% | 4,087 |
| Efficiency ratio | 80.6592% | 2,128 |
| Assets per employee ($millions) | 4.2569% | 3,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9672% | 860 |
| Loan loss allowance to noncurrent loans | 42.6378% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 6.7351% | 652 |
| Noncurrent loans to loans | 6.9592% | 644 |
| Net loans and leases to total assets | 53.6741% | 4,773 |
| Net loans and leases to deposits | 61.8963% | 4,936 |
| Net loans and leases to core deposits | 73.2149% | 3,988 |
| Total domestic deposits to total assets | 86.7162% | 3,110 |
| Equity capital to assets | 8.9842% | 5,520 |
| Core capital (leverage) ratio | 8.5145% | 5,568 |
| Tier 1 risk-based capital ratio | 13.8948% | 4,534 |
| Total risk-based capital ratio | 15.1635% | 4,501 |
| Memoranda: | ||
| Average total assets | $132,238,500 | 4,183 |
| Average earning assets | $118,108,500 | 4,248 |
| Average equity | $11,884,000 | 4,637 |
| Average total loans | $74,263,500 | 4,305 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1339% | 2,312 |
| Cost of funding earning assets | 1.5053% | 698 |
| Net interest margin | 3.6286% | 4,615 |
| Noninterest income to average assets | 0.3160% | 5,280 |
| Noninterest expense to average assets | 3.1283% | 3,101 |
| Loan and lease loss provision to assets | 2.3423% | 208 |
| Net operating income to assets | -1.8822% | 7,007 |
| Return on assets (ROA) | -1.8731% | 7,020 |
| Pretax return on assets | -1.9336% | 7,009 |
| Return on Equity (ROE) | -18.1076% | 6,953 |
| Retained earnings to average equity (ytd only) | -18.1076% | 6,938 |
| Net charge-offs to loans | 3.5527% | 210 |
| Credit loss provision to net charge-offs | 106.5808% | 3,186 |
| Earnings coverage of net charge-offs (x) | 0.1817% | 5,697 |
| Efficiency ratio | 88.6809% | 1,300 |
| Assets per employee ($millions) | 4.2746% | 3,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1352% | 721 |
| Loan loss allowance to noncurrent loans | 36.2135% | 5,825 |
| Noncurrent assets plus other real estate owned to assets | 7.3699% | 605 |
| Noncurrent loans to loans | 8.6575% | 424 |
| Net loans and leases to total assets | 55.2116% | 4,852 |
| Net loans and leases to deposits | 63.7327% | 5,043 |
| Net loans and leases to core deposits | 76.0915% | 3,969 |
| Total domestic deposits to total assets | 86.6299% | 2,958 |
| Equity capital to assets | 8.9894% | 5,561 |
| Core capital (leverage) ratio | 8.9466% | 4,869 |
| Tier 1 risk-based capital ratio | 13.5876% | 4,630 |
| Total risk-based capital ratio | 14.8576% | 4,585 |
| Memoranda: | ||
| Average total assets | $127,225,400 | 4,225 |
| Average earning assets | $112,605,400 | 4,317 |
| Average equity | $13,160,200 | 4,312 |
| Average total loans | $78,700,600 | 4,180 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3257% | 1,770 |
| Cost of funding earning assets | 1.5580% | 700 |
| Net interest margin | 3.7677% | 4,024 |
| Noninterest income to average assets | 0.2732% | 5,662 |
| Noninterest expense to average assets | 3.0414% | 3,395 |
| Loan and lease loss provision to assets | 1.8638% | 317 |
| Net operating income to assets | -0.9335% | 6,854 |
| Return on assets (ROA) | -0.9245% | 6,890 |
| Pretax return on assets | -1.2951% | 6,960 |
| Return on Equity (ROE) | -8.6398% | 6,850 |
| Retained earnings to average equity (ytd only) | -8.6398% | 6,804 |
| Net charge-offs to loans | 3.2690% | 263 |
| Credit loss provision to net charge-offs | 90.3027% | 3,760 |
| Earnings coverage of net charge-offs (x) | 0.2694% | 5,396 |
| Efficiency ratio | 84.5452% | 1,683 |
| Assets per employee ($millions) | 3.8365% | 4,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5301% | 1,354 |
| Loan loss allowance to noncurrent loans | 35.1666% | 5,949 |
| Noncurrent assets plus other real estate owned to assets | 6.6047% | 771 |
| Noncurrent loans to loans | 7.1947% | 677 |
| Net loans and leases to total assets | 64.6215% | 3,185 |
| Net loans and leases to deposits | 76.1295% | 3,309 |
| Net loans and leases to core deposits | 93.5909% | 1,829 |
| Total domestic deposits to total assets | 84.8837% | 3,824 |
| Equity capital to assets | 11.3410% | 2,823 |
| Core capital (leverage) ratio | 9.9560% | 3,498 |
| Tier 1 risk-based capital ratio | 14.7297% | 3,816 |
| Total risk-based capital ratio | 15.9933% | 3,784 |
| Memoranda: | ||
| Average total assets | $125,903,750 | 4,276 |
| Average earning assets | $111,081,500 | 4,388 |
| Average equity | $13,472,250 | 4,249 |
| Average total loans | $79,493,250 | 4,189 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3579% | 1,697 |
| Cost of funding earning assets | 1.5727% | 777 |
| Net interest margin | 3.7852% | 3,864 |
| Noninterest income to average assets | 0.6535% | 2,810 |
| Noninterest expense to average assets | 2.9775% | 3,726 |
| Loan and lease loss provision to assets | 2.4644% | 212 |
| Net operating income to assets | -0.8626% | 6,896 |
| Return on assets (ROA) | -0.8516% | 6,896 |
| Pretax return on assets | -1.4303% | 7,040 |
| Return on Equity (ROE) | -8.1087% | 6,870 |
| Retained earnings to average equity (ytd only) | -8.1087% | 6,781 |
| Net charge-offs to loans | 2.5067% | 472 |
| Credit loss provision to net charge-offs | 158.1582% | 1,925 |
| Earnings coverage of net charge-offs (x) | 0.6527% | 4,806 |
| Efficiency ratio | 74.5412% | 3,265 |
| Assets per employee ($millions) | 3.9891% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5373% | 583 |
| Loan loss allowance to noncurrent loans | 54.4613% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 6.0156% | 932 |
| Noncurrent loans to loans | 6.4951% | 861 |
| Net loans and leases to total assets | 59.0689% | 4,457 |
| Net loans and leases to deposits | 68.8496% | 4,584 |
| Net loans and leases to core deposits | 84.8959% | 3,087 |
| Total domestic deposits to total assets | 85.7941% | 3,447 |
| Equity capital to assets | 10.5734% | 3,415 |
| Core capital (leverage) ratio | 9.8220% | 3,490 |
| Tier 1 risk-based capital ratio | 15.0187% | 3,484 |
| Total risk-based capital ratio | 16.2928% | 3,443 |
| Memoranda: | ||
| Average total assets | $128,228,000 | 4,265 |
| Average earning assets | $113,179,000 | 4,355 |
| Average equity | $13,467,000 | 4,234 |
| Average total loans | $79,707,670 | 4,228 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5428% | 1,194 |
| Cost of funding earning assets | 1.6013% | 812 |
| Net interest margin | 3.9414% | 2,946 |
| Noninterest income to average assets | 0.6381% | 2,910 |
| Noninterest expense to average assets | 2.9568% | 3,832 |
| Loan and lease loss provision to assets | 4.3574% | 88 |
| Net operating income to assets | -1.9422% | 7,272 |
| Return on assets (ROA) | -1.9422% | 7,270 |
| Pretax return on assets | -3.2058% | 7,394 |
| Return on Equity (ROE) | -18.5549% | 7,199 |
| Retained earnings to average equity (ytd only) | -18.5549% | 7,128 |
| Net charge-offs to loans | 4.2546% | 203 |
| Credit loss provision to net charge-offs | 163.5514% | 1,770 |
| Earnings coverage of net charge-offs (x) | 0.4322% | 4,298 |
| Efficiency ratio | 71.9697% | 3,872 |
| Assets per employee ($millions) | 3.9594% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4060% | 660 |
| Loan loss allowance to noncurrent loans | 51.3554% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 6.3371% | 888 |
| Noncurrent loans to loans | 6.6322% | 879 |
| Net loans and leases to total assets | 59.2121% | 4,424 |
| Net loans and leases to deposits | 69.2760% | 4,476 |
| Net loans and leases to core deposits | 85.8744% | 2,892 |
| Total domestic deposits to total assets | 85.4729% | 3,799 |
| Equity capital to assets | 10.0529% | 3,707 |
| Core capital (leverage) ratio | 9.7818% | 3,407 |
| Tier 1 risk-based capital ratio | 14.4303% | 3,786 |
| Total risk-based capital ratio | 15.7037% | 3,731 |
| Memoranda: | ||
| Average total assets | $128,516,500 | 4,293 |
| Average earning assets | $113,156,500 | 4,372 |
| Average equity | $13,452,000 | 4,229 |
| Average total loans | $80,478,000 | 4,237 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0652% | 4,262 |
| Cost of funding earning assets | 1.7942% | 1,193 |
| Net interest margin | 3.2710% | 6,065 |
| Noninterest income to average assets | 0.6530% | 3,131 |
| Noninterest expense to average assets | 2.7583% | 4,747 |
| Loan and lease loss provision to assets | 0.4659% | 3,338 |
| Net operating income to assets | 0.2953% | 4,955 |
| Return on assets (ROA) | 0.3104% | 5,071 |
| Pretax return on assets | 0.3964% | 4,954 |
| Return on Equity (ROE) | 3.1562% | 4,890 |
| Retained earnings to average equity (ytd only) | 3.1562% | 3,653 |
| Net charge-offs to loans | 1.5190% | 1,447 |
| Credit loss provision to net charge-offs | 49.8849% | 6,260 |
| Earnings coverage of net charge-offs (x) | 0.9025% | 5,212 |
| Efficiency ratio | 76.5924% | 2,950 |
| Assets per employee ($millions) | 3.8295% | 4,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7009% | 1,166 |
| Loan loss allowance to noncurrent loans | 29.5775% | 6,317 |
| Noncurrent assets plus other real estate owned to assets | 7.9407% | 626 |
| Noncurrent loans to loans | 9.1316% | 506 |
| Net loans and leases to total assets | 62.2581% | 4,230 |
| Net loans and leases to deposits | 73.8844% | 4,212 |
| Net loans and leases to core deposits | 92.6659% | 2,422 |
| Total domestic deposits to total assets | 84.2642% | 4,236 |
| Equity capital to assets | 10.8954% | 2,779 |
| Core capital (leverage) ratio | 10.3437% | 2,728 |
| Tier 1 risk-based capital ratio | 15.5868% | 2,958 |
| Total risk-based capital ratio | 16.8524% | 2,911 |
| Memoranda: | ||
| Average total assets | $139,507,200 | 4,063 |
| Average earning assets | $125,741,400 | 4,109 |
| Average equity | $13,719,200 | 4,208 |
| Average total loans | $85,778,200 | 4,156 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0182% | 4,725 |
| Cost of funding earning assets | 1.8237% | 1,328 |
| Net interest margin | 3.1945% | 6,359 |
| Noninterest income to average assets | 0.7106% | 2,757 |
| Noninterest expense to average assets | 2.6360% | 5,173 |
| Loan and lease loss provision to assets | 0.2334% | 4,737 |
| Net operating income to assets | 0.5281% | 4,190 |
| Return on assets (ROA) | 0.5462% | 4,274 |
| Pretax return on assets | 0.7582% | 4,055 |
| Return on Equity (ROE) | 5.6905% | 3,966 |
| Retained earnings to average equity (ytd only) | 5.6905% | 2,553 |
| Net charge-offs to loans | 1.8511% | 1,038 |
| Credit loss provision to net charge-offs | 20.6954% | 6,242 |
| Earnings coverage of net charge-offs (x) | 0.8568% | 5,193 |
| Efficiency ratio | 73.1726% | 3,489 |
| Assets per employee ($millions) | 4.0678% | 3,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2455% | 1,706 |
| Loan loss allowance to noncurrent loans | 35.7768% | 5,946 |
| Noncurrent assets plus other real estate owned to assets | 5.5267% | 1,118 |
| Noncurrent loans to loans | 6.2765% | 965 |
| Net loans and leases to total assets | 62.8403% | 4,362 |
| Net loans and leases to deposits | 74.6053% | 4,419 |
| Net loans and leases to core deposits | 98.3421% | 2,011 |
| Total domestic deposits to total assets | 84.2304% | 3,987 |
| Equity capital to assets | 10.9313% | 3,023 |
| Core capital (leverage) ratio | 10.0053% | 3,251 |
| Tier 1 risk-based capital ratio | 15.3750% | 3,059 |
| Total risk-based capital ratio | 16.6357% | 3,019 |
| Memoranda: | ||
| Average total assets | $142,790,500 | 4,063 |
| Average earning assets | $129,259,250 | 4,084 |
| Average equity | $13,706,750 | 4,272 |
| Average total loans | $87,007,250 | 4,199 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9244% | 5,290 |
| Cost of funding earning assets | 1.8468% | 1,446 |
| Net interest margin | 3.0776% | 6,659 |
| Noninterest income to average assets | 0.7633% | 2,313 |
| Noninterest expense to average assets | 2.5306% | 5,606 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7368% | 3,250 |
| Return on assets (ROA) | 0.7633% | 3,288 |
| Pretax return on assets | 1.0626% | 2,892 |
| Return on Equity (ROE) | 8.2910% | 2,766 |
| Retained earnings to average equity (ytd only) | 8.2910% | 1,339 |
| Net charge-offs to loans | 1.0373% | 1,802 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 1.6499% | 4,264 |
| Efficiency ratio | 71.1553% | 3,961 |
| Assets per employee ($millions) | 4.2903% | 3,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8073% | 994 |
| Loan loss allowance to noncurrent loans | 38.8952% | 5,753 |
| Noncurrent assets plus other real estate owned to assets | 5.1646% | 1,227 |
| Noncurrent loans to loans | 7.2177% | 759 |
| Net loans and leases to total assets | 58.1989% | 5,382 |
| Net loans and leases to deposits | 67.8301% | 5,576 |
| Net loans and leases to core deposits | 106.3955% | 1,406 |
| Total domestic deposits to total assets | 85.8010% | 3,203 |
| Equity capital to assets | 9.9082% | 4,129 |
| Core capital (leverage) ratio | 9.3970% | 3,968 |
| Tier 1 risk-based capital ratio | 14.9713% | 3,160 |
| Total risk-based capital ratio | 16.2380% | 3,128 |
| Memoranda: | ||
| Average total assets | $146,998,000 | 4,014 |
| Average earning assets | $133,416,670 | 4,034 |
| Average equity | $13,532,670 | 4,311 |
| Average total loans | $88,117,330 | 4,195 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8604% | 5,642 |
| Cost of funding earning assets | 1.8818% | 1,526 |
| Net interest margin | 2.9786% | 6,882 |
| Noninterest income to average assets | 0.6466% | 2,957 |
| Noninterest expense to average assets | 2.4635% | 5,863 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5745% | 4,011 |
| Return on assets (ROA) | 0.5745% | 4,153 |
| Pretax return on assets | 0.8897% | 3,508 |
| Return on Equity (ROE) | 6.4735% | 3,630 |
| Retained earnings to average equity (ytd only) | 6.4735% | 2,370 |
| Net charge-offs to loans | 1.9112% | 905 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.7762% | 4,342 |
| Efficiency ratio | 73.4661% | 3,673 |
| Assets per employee ($millions) | 4.3680% | 3,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7399% | 1,047 |
| Loan loss allowance to noncurrent loans | 34.4936% | 6,085 |
| Noncurrent assets plus other real estate owned to assets | 5.2777% | 1,190 |
| Noncurrent loans to loans | 7.9431% | 682 |
| Net loans and leases to total assets | 57.5576% | 5,517 |
| Net loans and leases to deposits | 68.9321% | 5,479 |
| Net loans and leases to core deposits | 109.7516% | 1,291 |
| Total domestic deposits to total assets | 83.4990% | 4,387 |
| Equity capital to assets | 9.0491% | 5,211 |
| Core capital (leverage) ratio | 9.0910% | 4,393 |
| Tier 1 risk-based capital ratio | 13.9817% | 3,662 |
| Total risk-based capital ratio | 15.2475% | 3,620 |
| Memoranda: | ||
| Average total assets | $149,707,000 | 4,011 |
| Average earning assets | $136,038,000 | 4,038 |
| Average equity | $13,285,000 | 4,415 |
| Average total loans | $89,787,000 | 4,203 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7950% | 2,677 |
| Cost of funding earning assets | 2.3587% | 1,431 |
| Net interest margin | 3.4363% | 5,229 |
| Noninterest income to average assets | 0.6372% | 3,370 |
| Noninterest expense to average assets | 3.6553% | 2,017 |
| Loan and lease loss provision to assets | 2.1338% | 990 |
| Net operating income to assets | -1.4407% | 6,827 |
| Return on assets (ROA) | -1.1952% | 6,706 |
| Pretax return on assets | -1.6715% | 6,798 |
| Return on Equity (ROE) | -13.0644% | 6,837 |
| Retained earnings to average equity (ytd only) | -13.9228% | 6,813 |
| Net charge-offs to loans | 1.7634% | 1,418 |
| Credit loss provision to net charge-offs | 184.6409% | 2,214 |
| Earnings coverage of net charge-offs (x) | 0.1050% | 6,053 |
| Efficiency ratio | 96.7878% | 1,281 |
| Assets per employee ($millions) | 4.5728% | 2,804 |
| Cash dividends to net income (ytd only)* | -6.5705% | 7,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0943% | 719 |
| Loan loss allowance to noncurrent loans | 147.5299% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 1.8761% | 3,560 |
| Noncurrent loans to loans | 2.0974% | 3,522 |
| Net loans and leases to total assets | 58.8786% | 5,505 |
| Net loans and leases to deposits | 70.2830% | 5,571 |
| Net loans and leases to core deposits | 110.8700% | 2,811 |
| Total domestic deposits to total assets | 83.7736% | 4,137 |
| Equity capital to assets | 8.7017% | 5,579 |
| Core capital (leverage) ratio | 8.3254% | 5,566 |
| Tier 1 risk-based capital ratio | 13.3313% | 3,926 |
| Total risk-based capital ratio | 14.6021% | 3,858 |
| Memoranda: | ||
| Average total assets | $156,621,600 | 3,842 |
| Average earning assets | $143,088,000 | 3,835 |
| Average equity | $14,329,000 | 4,184 |
| Average total loans | $102,643,800 | 3,878 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8728% | 2,571 |
| Cost of funding earning assets | 2.4118% | 1,590 |
| Net interest margin | 3.4610% | 5,025 |
| Noninterest income to average assets | 0.5576% | 4,026 |
| Noninterest expense to average assets | 3.1668% | 3,416 |
| Loan and lease loss provision to assets | 2.8193% | 552 |
| Net operating income to assets | -1.6233% | 7,167 |
| Return on assets (ROA) | -1.4569% | 7,087 |
| Pretax return on assets | -2.0305% | 7,195 |
| Return on Equity (ROE) | -15.7406% | 7,224 |
| Retained earnings to average equity (ytd only) | -16.8617% | 7,226 |
| Net charge-offs to loans | 2.0104% | 975 |
| Credit loss provision to net charge-offs | 210.3210% | 2,092 |
| Earnings coverage of net charge-offs (x) | 0.4160% | 5,616 |
| Efficiency ratio | 85.0283% | 2,181 |
| Assets per employee ($millions) | 4.1626% | 3,439 |
| Cash dividends to net income (ytd only)* | -7.1224% | 7,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1611% | 584 |
| Loan loss allowance to noncurrent loans | 90.3131% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 3.1497% | 2,169 |
| Noncurrent loans to loans | 3.5002% | 2,135 |
| Net loans and leases to total assets | 62.5135% | 5,159 |
| Net loans and leases to deposits | 76.1154% | 5,018 |
| Net loans and leases to core deposits | 115.8648% | 2,638 |
| Total domestic deposits to total assets | 82.1299% | 4,627 |
| Equity capital to assets | 8.9047% | 5,626 |
| Core capital (leverage) ratio | 8.3281% | 5,790 |
| Tier 1 risk-based capital ratio | 12.4184% | 4,611 |
| Total risk-based capital ratio | 13.6885% | 4,547 |
| Memoranda: | ||
| Average total assets | $158,051,500 | 3,825 |
| Average earning assets | $144,617,000 | 3,827 |
| Average equity | $14,628,500 | 4,160 |
| Average total loans | $105,383,250 | 3,840 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8622% | 2,751 |
| Cost of funding earning assets | 2.4655% | 1,727 |
| Net interest margin | 3.3967% | 5,186 |
| Noninterest income to average assets | 0.4826% | 4,602 |
| Noninterest expense to average assets | 3.3610% | 2,749 |
| Loan and lease loss provision to assets | 0.2177% | 4,865 |
| Net operating income to assets | -0.1183% | 6,046 |
| Return on assets (ROA) | 0.0274% | 5,849 |
| Pretax return on assets | 0.2488% | 5,329 |
| Return on Equity (ROE) | 0.2922% | 5,840 |
| Retained earnings to average equity (ytd only) | -0.8767% | 5,447 |
| Net charge-offs to loans | 0.0739% | 5,470 |
| Credit loss provision to net charge-offs | 437.5000% | 1,061 |
| Earnings coverage of net charge-offs (x) | 4.8000% | 2,997 |
| Efficiency ratio | 93.3656% | 1,542 |
| Assets per employee ($millions) | 4.5764% | 2,657 |
| Cash dividends to net income (ytd only)* | 400.0000% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 3,919 |
| Loan loss allowance to noncurrent loans | 67.0079% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 1.5235% | 3,939 |
| Noncurrent loans to loans | 2.0343% | 3,468 |
| Net loans and leases to total assets | 63.2470% | 5,138 |
| Net loans and leases to deposits | 75.4034% | 5,258 |
| Net loans and leases to core deposits | 110.8758% | 3,275 |
| Total domestic deposits to total assets | 83.8781% | 3,831 |
| Equity capital to assets | 8.9092% | 5,439 |
| Core capital (leverage) ratio | 8.8928% | 4,796 |
| Tier 1 risk-based capital ratio | 13.0426% | 4,116 |
| Total risk-based capital ratio | 14.2931% | 4,037 |
| Memoranda: | ||
| Average total assets | $160,784,000 | 3,811 |
| Average earning assets | $147,555,670 | 3,783 |
| Average equity | $15,056,670 | 4,105 |
| Average total loans | $108,265,330 | 3,805 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8201% | 3,199 |
| Cost of funding earning assets | 2.5864% | 1,606 |
| Net interest margin | 3.2337% | 5,746 |
| Noninterest income to average assets | 0.5214% | 4,123 |
| Noninterest expense to average assets | 2.7859% | 4,615 |
| Loan and lease loss provision to assets | 0.1385% | 5,191 |
| Net operating income to assets | 0.3652% | 4,991 |
| Return on assets (ROA) | 0.3652% | 5,176 |
| Pretax return on assets | 0.5542% | 4,898 |
| Return on Equity (ROE) | 3.8043% | 5,027 |
| Retained earnings to average equity (ytd only) | 2.5712% | 4,448 |
| Net charge-offs to loans | 0.0548% | 4,704 |
| Credit loss provision to net charge-offs | 366.6667% | 1,389 |
| Earnings coverage of net charge-offs (x) | 18.3333% | 1,467 |
| Efficiency ratio | 80.0869% | 2,807 |
| Assets per employee ($millions) | 4.4973% | 2,722 |
| Cash dividends to net income (ytd only)* | 32.4138% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2258% | 4,617 |
| Loan loss allowance to noncurrent loans | 63.3537% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 1.7969% | 3,220 |
| Noncurrent loans to loans | 1.9349% | 3,360 |
| Net loans and leases to total assets | 65.1298% | 4,787 |
| Net loans and leases to deposits | 78.1601% | 4,899 |
| Net loans and leases to core deposits | 124.4557% | 2,045 |
| Total domestic deposits to total assets | 83.3287% | 3,989 |
| Equity capital to assets | 9.2494% | 5,010 |
| Core capital (leverage) ratio | 9.4287% | 4,070 |
| Tier 1 risk-based capital ratio | 12.5799% | 4,488 |
| Total risk-based capital ratio | 13.7028% | 4,497 |
| Memoranda: | ||
| Average total assets | $158,800,500 | 3,852 |
| Average earning assets | $145,220,500 | 3,850 |
| Average equity | $15,246,000 | 4,094 |
| Average total loans | $109,578,000 | 3,795 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7974% | 1,683 |
| Cost of funding earning assets | 3.1132% | 1,468 |
| Net interest margin | 3.6842% | 4,531 |
| Noninterest income to average assets | 0.6994% | 3,126 |
| Noninterest expense to average assets | 2.8839% | 4,507 |
| Loan and lease loss provision to assets | 0.8138% | 1,826 |
| Net operating income to assets | 0.2302% | 5,755 |
| Return on assets (ROA) | 0.3623% | 5,104 |
| Pretax return on assets | 0.5501% | 4,854 |
| Return on Equity (ROE) | 3.8593% | 4,875 |
| Retained earnings to average equity (ytd only) | 0.4694% | 4,960 |
| Net charge-offs to loans | 1.2433% | 969 |
| Credit loss provision to net charge-offs | 99.8498% | 5,379 |
| Earnings coverage of net charge-offs (x) | 1.4279% | 5,402 |
| Efficiency ratio | 71.2472% | 4,078 |
| Assets per employee ($millions) | 3.8769% | 3,794 |
| Cash dividends to net income (ytd only)* | 87.8378% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1925% | 4,594 |
| Loan loss allowance to noncurrent loans | 75.0000% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 1.7956% | 2,733 |
| Noncurrent loans to loans | 1.5900% | 3,387 |
| Net loans and leases to total assets | 71.5141% | 3,686 |
| Net loans and leases to deposits | 88.2111% | 3,770 |
| Net loans and leases to core deposits | 145.5512% | 1,027 |
| Total domestic deposits to total assets | 81.0716% | 4,610 |
| Equity capital to assets | 9.9874% | 4,051 |
| Core capital (leverage) ratio | 9.7598% | 3,701 |
| Tier 1 risk-based capital ratio | 12.7559% | 4,256 |
| Total risk-based capital ratio | 13.8678% | 4,266 |
| Memoranda: | ||
| Average total assets | $163,421,800 | 3,658 |
| Average earning assets | $148,526,600 | 3,683 |
| Average equity | $15,339,600 | 4,062 |
| Average total loans | $107,136,200 | 3,762 |