Home > Peach State Bank & Trust > Performance and Condition Ratios
Peach State Bank & Trust, 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 | 4.8002% | 2,474 |
| Cost of funding earning assets | 1.8170% | 1,221 |
| Net interest margin | 2.9832% | 3,322 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.0070% | 3,606 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7849% | 2,917 |
| Return on assets (ROA) | 0.7849% | 2,900 |
| Pretax return on assets | 1.0469% | 2,544 |
| Return on Equity (ROE) | 9.8500% | 2,542 |
| Retained earnings to average equity (ytd only) | 9.8535% | 1,056 |
| Net charge-offs to loans | 0.0014% | 2,794 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 1,363.8000% | 114 |
| Efficiency ratio | 65.5372% | 2,409 |
| Assets per employee ($millions) | 9.7621% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 1,982 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 54.8200% | 3,285 |
| Net loans and leases to deposits | 64.4237% | 3,267 |
| Net loans and leases to core deposits | 66.1417% | 3,492 |
| Total domestic deposits to total assets | 85.1000% | 2,282 |
| Equity capital to assets | 7.8903% | 3,485 |
| Core capital (leverage) ratio | 9.4590% | 3,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8743% | 1,099 |
| Memoranda: | ||
| Average total assets | $651,333,200 | 1,372 |
| Average earning assets | $611,935,200 | 1,357 |
| Average equity | $51,880,000 | 1,560 |
| Average total loans | $368,109,400 | 1,552 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6820% | 2,507 |
| Cost of funding earning assets | 1.6394% | 1,306 |
| Net interest margin | 3.0426% | 3,252 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 1.9903% | 3,615 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8541% | 2,848 |
| Return on assets (ROA) | 0.8541% | 2,830 |
| Pretax return on assets | 1.1345% | 2,472 |
| Return on Equity (ROE) | 10.6900% | 2,452 |
| Retained earnings to average equity (ytd only) | 10.6942% | 1,220 |
| Net charge-offs to loans | -0.0011% | 3,500 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.5046% | 2,560 |
| Assets per employee ($millions) | 9.2941% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3153% | 1,795 |
| Loan loss allowance to noncurrent loans | 55,322.2222% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 3,873 |
| Noncurrent loans to loans | 0.0024% | 3,805 |
| Net loans and leases to total assets | 55.0600% | 3,280 |
| Net loans and leases to deposits | 64.9774% | 3,203 |
| Net loans and leases to core deposits | 66.7083% | 3,391 |
| Total domestic deposits to total assets | 84.7400% | 2,583 |
| Equity capital to assets | 7.5766% | 3,310 |
| Core capital (leverage) ratio | 9.6602% | 3,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0481% | 1,090 |
| Memoranda: | ||
| Average total assets | $636,007,750 | 1,401 |
| Average earning assets | $598,987,250 | 1,381 |
| Average equity | $50,792,750 | 1,576 |
| Average total loans | $361,221,000 | 1,569 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5775% | 2,461 |
| Cost of funding earning assets | 1.3473% | 1,588 |
| Net interest margin | 3.2303% | 2,913 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.0288% | 3,524 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9520% | 2,578 |
| Return on assets (ROA) | 0.9520% | 2,567 |
| Pretax return on assets | 1.2627% | 2,181 |
| Return on Equity (ROE) | 11.7000% | 2,250 |
| Retained earnings to average equity (ytd only) | 11.7022% | 1,044 |
| Net charge-offs to loans | -0.0011% | 3,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.4520% | 2,782 |
| Assets per employee ($millions) | 9.1005% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 1,708 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 56.2700% | 3,102 |
| Net loans and leases to deposits | 66.8247% | 3,013 |
| Net loans and leases to core deposits | 68.4256% | 3,210 |
| Total domestic deposits to total assets | 84.2100% | 2,774 |
| Equity capital to assets | 7.9219% | 3,267 |
| Core capital (leverage) ratio | 9.9848% | 2,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1568% | 1,093 |
| Memoranda: | ||
| Average total assets | $621,854,333 | 1,427 |
| Average earning assets | $585,030,000 | 1,412 |
| Average equity | $50,588,667 | 1,586 |
| Average total loans | $355,443,667 | 1,579 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4939% | 2,329 |
| Cost of funding earning assets | 0.7888% | 2,773 |
| Net interest margin | 3.7052% | 1,888 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.1879% | 3,131 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1750% | 2,008 |
| Return on assets (ROA) | 1.1750% | 1,968 |
| Pretax return on assets | 1.5614% | 1,552 |
| Return on Equity (ROE) | 14.2500% | 1,728 |
| Retained earnings to average equity (ytd only) | 14.2454% | 910 |
| Net charge-offs to loans | -0.0023% | 3,450 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.1977% | 3,174 |
| Assets per employee ($millions) | 8.9340% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4115% | 1,578 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 56.4000% | 3,012 |
| Net loans and leases to deposits | 63.6198% | 3,119 |
| Net loans and leases to core deposits | 65.0530% | 3,284 |
| Total domestic deposits to total assets | 88.6600% | 1,681 |
| Equity capital to assets | 8.3399% | 3,013 |
| Core capital (leverage) ratio | 9.9891% | 2,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4286% | 1,084 |
| Memoranda: | ||
| Average total assets | $609,715,500 | 1,474 |
| Average earning assets | $575,087,000 | 1,457 |
| Average equity | $50,290,000 | 1,609 |
| Average total loans | $348,882,000 | 1,621 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8008% | 2,277 |
| Cost of funding earning assets | 0.2225% | 3,579 |
| Net interest margin | 3.5783% | 1,706 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.1462% | 3,169 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.1765% | 1,872 |
| Return on assets (ROA) | 1.1765% | 1,808 |
| Pretax return on assets | 1.5642% | 1,255 |
| Return on Equity (ROE) | 15.2500% | 1,197 |
| Retained earnings to average equity (ytd only) | 15.2458% | 274 |
| Net charge-offs to loans | -0.0021% | 3,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.0036% | 3,467 |
| Assets per employee ($millions) | 8.7389% | 998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1522% | 2,633 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 56.5700% | 2,963 |
| Net loans and leases to deposits | 61.9067% | 3,206 |
| Net loans and leases to core deposits | 63.3606% | 3,306 |
| Total domestic deposits to total assets | 91.3800% | 816 |
| Equity capital to assets | 8.1543% | 2,959 |
| Core capital (leverage) ratio | 9.7535% | 2,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4910% | 1,052 |
| Memoranda: | ||
| Average total assets | $584,976,000 | 1,524 |
| Average earning assets | $539,438,600 | 1,522 |
| Average equity | $45,140,200 | 1,751 |
| Average total loans | $331,201,200 | 1,599 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6196% | 2,288 |
| Cost of funding earning assets | 0.1767% | 3,552 |
| Net interest margin | 3.4429% | 1,831 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.1697% | 3,007 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.9909% | 2,503 |
| Return on assets (ROA) | 0.9909% | 2,476 |
| Pretax return on assets | 1.3141% | 1,997 |
| Return on Equity (ROE) | 13.0300% | 1,689 |
| Retained earnings to average equity (ytd only) | 13.0330% | 610 |
| Net charge-offs to loans | 0.0004% | 2,328 |
| Credit loss provision to net charge-offs | 24,800.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 5,969.0000% | 16 |
| Efficiency ratio | 61.0704% | 2,957 |
| Assets per employee ($millions) | 8.4318% | 1,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 2,450 |
| Loan loss allowance to noncurrent loans | 396,800.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 4,049 |
| Noncurrent loans to loans | 0.0003% | 3,988 |
| Net loans and leases to total assets | 53.8900% | 3,114 |
| Net loans and leases to deposits | 58.8004% | 3,287 |
| Net loans and leases to core deposits | 60.1705% | 3,371 |
| Total domestic deposits to total assets | 91.6500% | 992 |
| Equity capital to assets | 7.7381% | 3,058 |
| Core capital (leverage) ratio | 9.5052% | 3,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4970% | 1,088 |
| Memoranda: | ||
| Average total assets | $580,474,250 | 1,543 |
| Average earning assets | $531,870,000 | 1,562 |
| Average equity | $44,133,000 | 1,809 |
| Average total loans | $327,731,750 | 1,608 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4606% | 2,254 |
| Cost of funding earning assets | 0.1520% | 3,545 |
| Net interest margin | 3.3086% | 1,884 |
| Noninterest income to average assets | 0.4039% | 2,737 |
| Noninterest expense to average assets | 2.1887% | 2,897 |
| Loan and lease loss provision to assets | 0.0863% | 1,149 |
| Net operating income to assets | 0.8541% | 2,760 |
| Return on assets (ROA) | 0.8541% | 2,735 |
| Pretax return on assets | 1.1298% | 2,306 |
| Return on Equity (ROE) | 11.3035% | 1,889 |
| Retained earnings to average equity (ytd only) | 11.3035% | 735 |
| Net charge-offs to loans | 0.0043% | 1,864 |
| Credit loss provision to net charge-offs | 3,542.8571% | 151 |
| Earnings coverage of net charge-offs (x) | 499.0000% | 260 |
| Efficiency ratio | 64.0659% | 2,766 |
| Assets per employee ($millions) | 8.8494% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 2,683 |
| Loan loss allowance to noncurrent loans | 198,100.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 4,088 |
| Noncurrent loans to loans | 0.0006% | 4,017 |
| Net loans and leases to total assets | 54.2721% | 2,931 |
| Net loans and leases to deposits | 58.6228% | 3,168 |
| Net loans and leases to core deposits | 60.3652% | 3,247 |
| Total domestic deposits to total assets | 92.5786% | 626 |
| Equity capital to assets | 6.9152% | 3,812 |
| Core capital (leverage) ratio | 8.2154% | 4,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7815% | 1,773 |
| Memoranda: | ||
| Average total assets | $574,413,000 | 1,564 |
| Average earning assets | $521,013,000 | 1,606 |
| Average equity | $43,402,333 | 1,879 |
| Average total loans | $328,109,667 | 1,603 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4106% | 2,058 |
| Cost of funding earning assets | 0.1436% | 3,582 |
| Net interest margin | 3.2670% | 1,662 |
| Noninterest income to average assets | 0.3995% | 2,690 |
| Noninterest expense to average assets | 2.2213% | 2,771 |
| Loan and lease loss provision to assets | 0.1769% | 431 |
| Net operating income to assets | 0.6877% | 3,103 |
| Return on assets (ROA) | 0.6877% | 3,092 |
| Pretax return on assets | 0.9067% | 2,752 |
| Return on Equity (ROE) | 8.7049% | 2,433 |
| Retained earnings to average equity (ytd only) | 8.7049% | 1,365 |
| Net charge-offs to loans | -0.0024% | 3,141 |
| Credit loss provision to net charge-offs | -12,400.0000% | 3,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9760% | 2,641 |
| Assets per employee ($millions) | 8.4988% | 1,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2129% | 2,791 |
| Loan loss allowance to noncurrent loans | 24,818.7500% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 4,079 |
| Noncurrent loans to loans | 0.0049% | 4,002 |
| Net loans and leases to total assets | 56.8003% | 2,441 |
| Net loans and leases to deposits | 61.6926% | 2,742 |
| Net loans and leases to core deposits | 63.5969% | 2,826 |
| Total domestic deposits to total assets | 92.0698% | 548 |
| Equity capital to assets | 7.5056% | 3,935 |
| Core capital (leverage) ratio | 8.3019% | 4,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8166% | 1,864 |
| Memoranda: | ||
| Average total assets | $560,740,500 | 1,603 |
| Average earning assets | $498,685,500 | 1,672 |
| Average equity | $44,297,000 | 1,911 |
| Average total loans | $326,890,000 | 1,595 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7831% | 1,917 |
| Cost of funding earning assets | 0.1801% | 3,659 |
| Net interest margin | 3.6030% | 1,461 |
| Noninterest income to average assets | 0.4818% | 2,670 |
| Noninterest expense to average assets | 2.4354% | 2,374 |
| Loan and lease loss provision to assets | 0.2030% | 524 |
| Net operating income to assets | 0.6620% | 3,714 |
| Return on assets (ROA) | 0.6646% | 3,763 |
| Pretax return on assets | 0.8701% | 3,567 |
| Return on Equity (ROE) | 7.5207% | 3,368 |
| Retained earnings to average equity (ytd only) | 7.5207% | 1,712 |
| Net charge-offs to loans | 0.0216% | 1,834 |
| Credit loss provision to net charge-offs | 1,557.1429% | 370 |
| Earnings coverage of net charge-offs (x) | 82.0476% | 981 |
| Efficiency ratio | 69.1840% | 1,834 |
| Assets per employee ($millions) | 8.3646% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1401% | 3,173 |
| Loan loss allowance to noncurrent loans | 33,827.2727% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 4,180 |
| Noncurrent loans to loans | 0.0034% | 4,096 |
| Net loans and leases to total assets | 58.4457% | 2,325 |
| Net loans and leases to deposits | 64.0901% | 2,678 |
| Net loans and leases to core deposits | 66.0932% | 2,810 |
| Total domestic deposits to total assets | 91.1930% | 421 |
| Equity capital to assets | 8.3063% | 4,174 |
| Core capital (leverage) ratio | 8.5670% | 3,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9415% | 1,868 |
| Memoranda: | ||
| Average total assets | $483,171,800 | 1,737 |
| Average earning assets | $405,437,200 | 1,887 |
| Average equity | $42,695,400 | 1,987 |
| Average total loans | $291,894,000 | 1,741 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8377% | 1,937 |
| Cost of funding earning assets | 0.1877% | 3,732 |
| Net interest margin | 3.6500% | 1,466 |
| Noninterest income to average assets | 0.4873% | 2,680 |
| Noninterest expense to average assets | 2.4460% | 2,286 |
| Loan and lease loss provision to assets | 0.2144% | 463 |
| Net operating income to assets | 0.6860% | 3,802 |
| Return on assets (ROA) | 0.6896% | 3,857 |
| Pretax return on assets | 0.9028% | 3,688 |
| Return on Equity (ROE) | 7.6679% | 3,485 |
| Retained earnings to average equity (ytd only) | 7.6679% | 2,158 |
| Net charge-offs to loans | 0.0339% | 1,398 |
| Credit loss provision to net charge-offs | 1,040.2778% | 505 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 1,196 |
| Efficiency ratio | 68.4223% | 1,775 |
| Assets per employee ($millions) | 8.1985% | 1,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 3,291 |
| Loan loss allowance to noncurrent loans | 2,761.9048% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 4,011 |
| Noncurrent loans to loans | 0.0409% | 3,918 |
| Net loans and leases to total assets | 58.9346% | 2,378 |
| Net loans and leases to deposits | 64.9373% | 2,740 |
| Net loans and leases to core deposits | 67.0558% | 2,854 |
| Total domestic deposits to total assets | 90.7562% | 450 |
| Equity capital to assets | 8.8483% | 3,962 |
| Core capital (leverage) ratio | 8.9369% | 3,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3519% | 1,846 |
| Memoranda: | ||
| Average total assets | $465,949,000 | 1,808 |
| Average earning assets | $392,067,250 | 1,947 |
| Average equity | $41,905,250 | 2,046 |
| Average total loans | $283,273,000 | 1,808 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9055% | 1,800 |
| Cost of funding earning assets | 0.2002% | 3,742 |
| Net interest margin | 3.7052% | 1,341 |
| Noninterest income to average assets | 0.4876% | 2,680 |
| Noninterest expense to average assets | 2.4796% | 2,211 |
| Loan and lease loss provision to assets | 0.2302% | 454 |
| Net operating income to assets | 0.7007% | 3,763 |
| Return on assets (ROA) | 0.7063% | 3,814 |
| Pretax return on assets | 0.9245% | 3,607 |
| Return on Equity (ROE) | 7.8052% | 3,453 |
| Retained earnings to average equity (ytd only) | 7.8052% | 2,149 |
| Net charge-offs to loans | 0.0458% | 1,173 |
| Credit loss provision to net charge-offs | 820.6349% | 533 |
| Earnings coverage of net charge-offs (x) | 40.9048% | 1,153 |
| Efficiency ratio | 68.0172% | 1,880 |
| Assets per employee ($millions) | 7.3294% | 1,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1013% | 3,408 |
| Loan loss allowance to noncurrent loans | 2,360.8696% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 4,077 |
| Noncurrent loans to loans | 0.0466% | 3,945 |
| Net loans and leases to total assets | 59.5785% | 2,475 |
| Net loans and leases to deposits | 65.9482% | 2,830 |
| Net loans and leases to core deposits | 68.0481% | 2,956 |
| Total domestic deposits to total assets | 90.3414% | 629 |
| Equity capital to assets | 9.1868% | 3,614 |
| Core capital (leverage) ratio | 9.4607% | 2,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4371% | 1,489 |
| Memoranda: | ||
| Average total assets | $449,096,000 | 1,849 |
| Average earning assets | $380,541,333 | 1,975 |
| Average equity | $40,639,667 | 2,077 |
| Average total loans | $275,070,000 | 1,857 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9595% | 1,678 |
| Cost of funding earning assets | 0.2227% | 3,703 |
| Net interest margin | 3.7368% | 1,253 |
| Noninterest income to average assets | 0.4793% | 2,705 |
| Noninterest expense to average assets | 2.5358% | 2,071 |
| Loan and lease loss provision to assets | 0.2663% | 370 |
| Net operating income to assets | 0.6675% | 3,785 |
| Return on assets (ROA) | 0.6793% | 3,823 |
| Pretax return on assets | 0.8904% | 3,624 |
| Return on Equity (ROE) | 7.5724% | 3,457 |
| Retained earnings to average equity (ytd only) | 7.5724% | 2,393 |
| Net charge-offs to loans | 0.0574% | 938 |
| Credit loss provision to net charge-offs | 750.0000% | 491 |
| Earnings coverage of net charge-offs (x) | 32.1579% | 1,067 |
| Efficiency ratio | 68.5467% | 1,867 |
| Assets per employee ($millions) | 6.9500% | 1,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1087% | 3,391 |
| Loan loss allowance to noncurrent loans | 25,416.6667% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 4,391 |
| Noncurrent loans to loans | 0.0044% | 4,312 |
| Net loans and leases to total assets | 59.3076% | 2,636 |
| Net loans and leases to deposits | 67.1113% | 2,800 |
| Net loans and leases to core deposits | 69.2070% | 2,945 |
| Total domestic deposits to total assets | 88.3721% | 1,666 |
| Equity capital to assets | 9.6037% | 3,100 |
| Core capital (leverage) ratio | 10.7983% | 1,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3565% | 1,209 |
| Memoranda: | ||
| Average total assets | $428,107,500 | 1,908 |
| Average earning assets | $366,411,500 | 2,019 |
| Average equity | $38,402,500 | 2,148 |
| Average total loans | $264,689,000 | 1,899 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5286% | 1,242 |
| Cost of funding earning assets | 0.3988% | 3,587 |
| Net interest margin | 4.1297% | 740 |
| Noninterest income to average assets | 0.4443% | 2,893 |
| Noninterest expense to average assets | 2.6985% | 2,246 |
| Loan and lease loss provision to assets | 0.2043% | 1,922 |
| Net operating income to assets | 0.8436% | 2,922 |
| Return on assets (ROA) | 0.8461% | 3,049 |
| Pretax return on assets | 1.1095% | 2,657 |
| Return on Equity (ROE) | 9.5637% | 2,175 |
| Retained earnings to average equity (ytd only) | 9.5637% | 671 |
| Net charge-offs to loans | 0.0486% | 2,101 |
| Credit loss provision to net charge-offs | 645.9459% | 1,056 |
| Earnings coverage of net charge-offs (x) | 41.4324% | 1,353 |
| Efficiency ratio | 67.3088% | 2,322 |
| Assets per employee ($millions) | 6.6253% | 1,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1023% | 3,449 |
| Loan loss allowance to noncurrent loans | 10,010.7143% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 4,413 |
| Noncurrent loans to loans | 0.0110% | 4,334 |
| Net loans and leases to total assets | 63.2632% | 2,460 |
| Net loans and leases to deposits | 72.6178% | 2,624 |
| Net loans and leases to core deposits | 75.3547% | 2,787 |
| Total domestic deposits to total assets | 87.1180% | 1,880 |
| Equity capital to assets | 8.2394% | 4,606 |
| Core capital (leverage) ratio | 8.3349% | 4,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2823% | 2,128 |
| Memoranda: | ||
| Average total assets | $350,893,400 | 2,046 |
| Average earning assets | $302,900,200 | 2,160 |
| Average equity | $31,044,600 | 2,428 |
| Average total loans | $228,182,200 | 2,044 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6980% | 1,071 |
| Cost of funding earning assets | 0.4435% | 3,562 |
| Net interest margin | 4.2545% | 646 |
| Noninterest income to average assets | 0.4119% | 3,019 |
| Noninterest expense to average assets | 2.7488% | 2,124 |
| Loan and lease loss provision to assets | 0.2049% | 1,953 |
| Net operating income to assets | 0.8337% | 2,969 |
| Return on assets (ROA) | 0.8372% | 3,086 |
| Pretax return on assets | 1.0973% | 2,755 |
| Return on Equity (ROE) | 9.2755% | 2,293 |
| Retained earnings to average equity (ytd only) | 9.2755% | 919 |
| Net charge-offs to loans | 0.0469% | 1,944 |
| Credit loss provision to net charge-offs | 667.9487% | 1,097 |
| Earnings coverage of net charge-offs (x) | 42.3333% | 1,320 |
| Efficiency ratio | 67.9293% | 2,203 |
| Assets per employee ($millions) | 6.8218% | 1,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0611% | 3,409 |
| Loan loss allowance to noncurrent loans | 18,857.1429% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 4,517 |
| Noncurrent loans to loans | 0.0056% | 4,433 |
| Net loans and leases to total assets | 60.1419% | 3,216 |
| Net loans and leases to deposits | 72.4410% | 3,092 |
| Net loans and leases to core deposits | 74.8761% | 3,249 |
| Total domestic deposits to total assets | 83.0220% | 3,143 |
| Equity capital to assets | 7.8115% | 4,776 |
| Core capital (leverage) ratio | 8.5231% | 4,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8716% | 1,869 |
| Memoranda: | ||
| Average total assets | $339,237,500 | 2,082 |
| Average earning assets | $289,818,750 | 2,217 |
| Average equity | $30,617,500 | 2,442 |
| Average total loans | $221,656,500 | 2,092 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0774% | 715 |
| Cost of funding earning assets | 0.4949% | 3,567 |
| Net interest margin | 4.5825% | 426 |
| Noninterest income to average assets | 0.3995% | 3,083 |
| Noninterest expense to average assets | 2.9201% | 1,784 |
| Loan and lease loss provision to assets | 0.2691% | 1,594 |
| Net operating income to assets | 0.9295% | 2,582 |
| Return on assets (ROA) | 0.9295% | 2,712 |
| Pretax return on assets | 1.2201% | 2,294 |
| Return on Equity (ROE) | 9.7329% | 2,072 |
| Retained earnings to average equity (ytd only) | 9.7329% | 840 |
| Net charge-offs to loans | 0.0433% | 1,881 |
| Credit loss provision to net charge-offs | 923.9130% | 835 |
| Earnings coverage of net charge-offs (x) | 51.1304% | 1,088 |
| Efficiency ratio | 66.2263% | 2,484 |
| Assets per employee ($millions) | 6.9117% | 1,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0730% | 3,216 |
| Loan loss allowance to noncurrent loans | 18,400.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 4,580 |
| Noncurrent loans to loans | 0.0058% | 4,497 |
| Net loans and leases to total assets | 60.2854% | 3,293 |
| Net loans and leases to deposits | 72.9819% | 3,164 |
| Net loans and leases to core deposits | 75.4166% | 3,337 |
| Total domestic deposits to total assets | 82.6032% | 3,204 |
| Equity capital to assets | 7.9194% | 4,760 |
| Core capital (leverage) ratio | 9.2899% | 3,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5167% | 1,629 |
| Memoranda: | ||
| Average total assets | $315,881,667 | 2,169 |
| Average earning assets | $276,400,000 | 2,272 |
| Average equity | $30,165,667 | 2,452 |
| Average total loans | $212,607,333 | 2,138 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9868% | 997 |
| Cost of funding earning assets | 0.7004% | 2,926 |
| Net interest margin | 4.2864% | 782 |
| Noninterest income to average assets | 0.4161% | 2,998 |
| Noninterest expense to average assets | 3.1585% | 1,512 |
| Loan and lease loss provision to assets | 0.0925% | 2,529 |
| Net operating income to assets | 0.7687% | 3,028 |
| Return on assets (ROA) | 0.7687% | 3,103 |
| Pretax return on assets | 1.0028% | 2,835 |
| Return on Equity (ROE) | 7.1774% | 2,877 |
| Retained earnings to average equity (ytd only) | 7.1774% | 1,484 |
| Net charge-offs to loans | 0.0322% | 1,745 |
| Credit loss provision to net charge-offs | 400.0000% | 996 |
| Earnings coverage of net charge-offs (x) | 47.3750% | 934 |
| Efficiency ratio | 74.2527% | 1,780 |
| Assets per employee ($millions) | 5.2251% | 2,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1214% | 3,084 |
| Loan loss allowance to noncurrent loans | 17,269.2308% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.1228% | 4,017 |
| Noncurrent loans to loans | 0.0065% | 4,550 |
| Net loans and leases to total assets | 68.8807% | 2,411 |
| Net loans and leases to deposits | 77.5090% | 2,931 |
| Net loans and leases to core deposits | 80.6450% | 3,141 |
| Total domestic deposits to total assets | 88.8680% | 724 |
| Equity capital to assets | 10.4563% | 3,361 |
| Core capital (leverage) ratio | 10.8088% | 2,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3948% | 1,783 |
| Memoranda: | ||
| Average total assets | $276,838,500 | 2,345 |
| Average earning assets | $247,855,500 | 2,384 |
| Average equity | $29,648,500 | 2,475 |
| Average total loans | $198,870,500 | 2,197 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2389% | 917 |
| Cost of funding earning assets | 0.6411% | 3,453 |
| Net interest margin | 4.5977% | 576 |
| Noninterest income to average assets | 0.5292% | 2,583 |
| Noninterest expense to average assets | 3.3385% | 1,231 |
| Loan and lease loss provision to assets | 0.1041% | 1,984 |
| Net operating income to assets | 1.0084% | 2,817 |
| Return on assets (ROA) | 1.0461% | 2,767 |
| Pretax return on assets | 1.3687% | 2,272 |
| Return on Equity (ROE) | 10.0264% | 2,283 |
| Retained earnings to average equity (ytd only) | 9.5372% | 582 |
| Net charge-offs to loans | 0.1131% | 1,603 |
| Credit loss provision to net charge-offs | 123.1884% | 2,065 |
| Earnings coverage of net charge-offs (x) | 16.8599% | 2,138 |
| Efficiency ratio | 70.0840% | 2,157 |
| Assets per employee ($millions) | 4.9315% | 2,671 |
| Cash dividends to net income (ytd only)* | 4.8790% | 3,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1116% | 2,881 |
| Loan loss allowance to noncurrent loans | 27,450.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.1307% | 3,987 |
| Noncurrent loans to loans | 0.0040% | 4,587 |
| Net loans and leases to total assets | 73.3581% | 1,868 |
| Net loans and leases to deposits | 84.3026% | 2,303 |
| Net loans and leases to core deposits | 88.0682% | 2,598 |
| Total domestic deposits to total assets | 87.0176% | 1,597 |
| Equity capital to assets | 10.9831% | 3,010 |
| Core capital (leverage) ratio | 10.8092% | 2,670 |
| Tier 1 risk-based capital ratio | 15.0563% | 2,761 |
| Total risk-based capital ratio | 16.1816% | 2,749 |
| Memoranda: | ||
| Average total assets | $244,903,600 | 2,494 |
| Average earning assets | $225,545,200 | 2,493 |
| Average equity | $25,552,600 | 2,676 |
| Average total loans | $183,039,800 | 2,288 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1369% | 1,188 |
| Cost of funding earning assets | 0.5741% | 3,803 |
| Net interest margin | 4.5628% | 668 |
| Noninterest income to average assets | 0.5345% | 2,539 |
| Noninterest expense to average assets | 3.4322% | 1,037 |
| Loan and lease loss provision to assets | 0.1214% | 1,610 |
| Net operating income to assets | 0.9518% | 3,160 |
| Return on assets (ROA) | 0.9861% | 3,108 |
| Pretax return on assets | 1.2901% | 2,702 |
| Return on Equity (ROE) | 9.5863% | 2,627 |
| Retained earnings to average equity (ytd only) | 8.9097% | 1,077 |
| Net charge-offs to loans | 0.1055% | 1,412 |
| Credit loss provision to net charge-offs | 153.5211% | 1,602 |
| Earnings coverage of net charge-offs (x) | 17.3027% | 2,098 |
| Efficiency ratio | 71.4998% | 1,900 |
| Assets per employee ($millions) | 4.8768% | 2,693 |
| Cash dividends to net income (ytd only)* | 7.0581% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1444% | 2,801 |
| Loan loss allowance to noncurrent loans | 24,711.1111% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.1325% | 4,065 |
| Noncurrent loans to loans | 0.0046% | 4,667 |
| Net loans and leases to total assets | 72.9487% | 2,007 |
| Net loans and leases to deposits | 84.7673% | 2,346 |
| Net loans and leases to core deposits | 88.4908% | 2,683 |
| Total domestic deposits to total assets | 86.0576% | 1,973 |
| Equity capital to assets | 10.9057% | 3,192 |
| Core capital (leverage) ratio | 11.4413% | 2,266 |
| Tier 1 risk-based capital ratio | 14.5953% | 3,028 |
| Total risk-based capital ratio | 15.7313% | 3,003 |
| Memoranda: | ||
| Average total assets | $239,454,750 | 2,546 |
| Average earning assets | $223,862,750 | 2,528 |
| Average equity | $24,631,750 | 2,760 |
| Average total loans | $179,412,750 | 2,347 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0918% | 1,239 |
| Cost of funding earning assets | 0.5475% | 3,888 |
| Net interest margin | 4.5443% | 696 |
| Noninterest income to average assets | 0.5426% | 2,420 |
| Noninterest expense to average assets | 3.4861% | 976 |
| Loan and lease loss provision to assets | 0.1019% | 1,833 |
| Net operating income to assets | 0.9312% | 3,161 |
| Return on assets (ROA) | 0.9305% | 3,230 |
| Pretax return on assets | 1.2130% | 2,867 |
| Return on Equity (ROE) | 9.2570% | 2,751 |
| Retained earnings to average equity (ytd only) | 8.1826% | 1,323 |
| Net charge-offs to loans | 0.1169% | 1,262 |
| Credit loss provision to net charge-offs | 115.6863% | 1,798 |
| Earnings coverage of net charge-offs (x) | 14.9314% | 2,008 |
| Efficiency ratio | 72.5981% | 1,826 |
| Assets per employee ($millions) | 4.6179% | 2,982 |
| Cash dividends to net income (ytd only)* | 11.6063% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 2,376 |
| Loan loss allowance to noncurrent loans | 43,280.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.1437% | 4,043 |
| Noncurrent loans to loans | 0.0028% | 4,725 |
| Net loans and leases to total assets | 72.5513% | 2,141 |
| Net loans and leases to deposits | 83.3153% | 2,570 |
| Net loans and leases to core deposits | 86.7836% | 2,899 |
| Total domestic deposits to total assets | 87.0804% | 1,561 |
| Equity capital to assets | 10.0137% | 3,967 |
| Core capital (leverage) ratio | 10.1807% | 3,410 |
| Tier 1 risk-based capital ratio | 13.9060% | 3,364 |
| Total risk-based capital ratio | 15.1562% | 3,268 |
| Memoranda: | ||
| Average total assets | $231,490,330 | 2,604 |
| Average earning assets | $216,977,330 | 2,588 |
| Average equity | $23,269,000 | 2,856 |
| Average total loans | $174,439,330 | 2,412 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0396% | 1,238 |
| Cost of funding earning assets | 0.5314% | 3,912 |
| Net interest margin | 4.5082% | 728 |
| Noninterest income to average assets | 0.5194% | 2,439 |
| Noninterest expense to average assets | 3.4582% | 1,025 |
| Loan and lease loss provision to assets | 0.1321% | 1,313 |
| Net operating income to assets | 0.8893% | 3,274 |
| Return on assets (ROA) | 0.8698% | 3,402 |
| Pretax return on assets | 1.1322% | 3,036 |
| Return on Equity (ROE) | 8.6362% | 2,972 |
| Retained earnings to average equity (ytd only) | 6.4509% | 2,261 |
| Net charge-offs to loans | 0.1245% | 1,000 |
| Credit loss provision to net charge-offs | 138.8889% | 1,302 |
| Earnings coverage of net charge-offs (x) | 13.5556% | 1,834 |
| Efficiency ratio | 72.8487% | 1,902 |
| Assets per employee ($millions) | 4.5403% | 3,126 |
| Cash dividends to net income (ytd only)* | 25.3036% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 2,272 |
| Loan loss allowance to noncurrent loans | 19,718.1818% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.1516% | 4,049 |
| Noncurrent loans to loans | 0.0064% | 4,772 |
| Net loans and leases to total assets | 73.4038% | 1,911 |
| Net loans and leases to deposits | 84.4929% | 2,326 |
| Net loans and leases to core deposits | 89.5027% | 2,553 |
| Total domestic deposits to total assets | 86.8757% | 1,877 |
| Equity capital to assets | 10.0140% | 3,810 |
| Core capital (leverage) ratio | 10.3107% | 3,264 |
| Tier 1 risk-based capital ratio | 13.7136% | 3,489 |
| Total risk-based capital ratio | 14.9634% | 3,406 |
| Memoranda: | ||
| Average total assets | $227,169,500 | 2,658 |
| Average earning assets | $213,034,000 | 2,640 |
| Average equity | $22,880,500 | 2,892 |
| Average total loans | $173,467,500 | 2,442 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0115% | 1,022 |
| Cost of funding earning assets | 0.4437% | 3,719 |
| Net interest margin | 4.5678% | 659 |
| Noninterest income to average assets | 0.4775% | 2,955 |
| Noninterest expense to average assets | 3.3010% | 1,317 |
| Loan and lease loss provision to assets | 0.1920% | 993 |
| Net operating income to assets | 0.9689% | 3,144 |
| Return on assets (ROA) | 0.9620% | 3,171 |
| Pretax return on assets | 1.2720% | 2,607 |
| Return on Equity (ROE) | 9.6724% | 2,656 |
| Retained earnings to average equity (ytd only) | 8.2767% | 1,129 |
| Net charge-offs to loans | 0.0678% | 2,145 |
| Credit loss provision to net charge-offs | 370.5357% | 866 |
| Earnings coverage of net charge-offs (x) | 28.4196% | 1,650 |
| Efficiency ratio | 69.1480% | 2,357 |
| Assets per employee ($millions) | 4.9507% | 2,562 |
| Cash dividends to net income (ytd only)* | 14.4300% | 3,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2289% | 2,415 |
| Loan loss allowance to noncurrent loans | 5,805.4054% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.1692% | 3,973 |
| Noncurrent loans to loans | 0.0212% | 4,692 |
| Net loans and leases to total assets | 77.4956% | 1,354 |
| Net loans and leases to deposits | 88.2834% | 2,013 |
| Net loans and leases to core deposits | 93.6655% | 2,254 |
| Total domestic deposits to total assets | 87.7805% | 1,399 |
| Equity capital to assets | 10.1323% | 3,540 |
| Core capital (leverage) ratio | 10.0407% | 3,530 |
| Tier 1 risk-based capital ratio | 13.2890% | 3,665 |
| Total risk-based capital ratio | 14.5362% | 3,553 |
| Memoranda: | ||
| Average total assets | $216,117,200 | 2,719 |
| Average earning assets | $203,272,400 | 2,696 |
| Average equity | $21,494,200 | 2,940 |
| Average total loans | $165,262,400 | 2,477 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9376% | 1,076 |
| Cost of funding earning assets | 0.4316% | 3,653 |
| Net interest margin | 4.5060% | 731 |
| Noninterest income to average assets | 0.4992% | 2,873 |
| Noninterest expense to average assets | 3.2883% | 1,325 |
| Loan and lease loss provision to assets | 0.1902% | 934 |
| Net operating income to assets | 0.9537% | 3,293 |
| Return on assets (ROA) | 0.9444% | 3,334 |
| Pretax return on assets | 1.2472% | 2,820 |
| Return on Equity (ROE) | 9.5422% | 2,824 |
| Retained earnings to average equity (ytd only) | 7.6576% | 1,817 |
| Net charge-offs to loans | 0.0745% | 1,783 |
| Credit loss provision to net charge-offs | 336.2637% | 933 |
| Earnings coverage of net charge-offs (x) | 25.6154% | 1,771 |
| Efficiency ratio | 69.4094% | 2,284 |
| Assets per employee ($millions) | 5.2183% | 2,205 |
| Cash dividends to net income (ytd only)* | 19.7499% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 2,607 |
| Loan loss allowance to noncurrent loans | 34,333.3333% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.2012% | 3,935 |
| Noncurrent loans to loans | 0.0035% | 4,929 |
| Net loans and leases to total assets | 73.6924% | 2,040 |
| Net loans and leases to deposits | 84.0911% | 2,590 |
| Net loans and leases to core deposits | 89.1762% | 2,731 |
| Total domestic deposits to total assets | 87.6341% | 1,426 |
| Equity capital to assets | 9.4470% | 4,130 |
| Core capital (leverage) ratio | 9.9454% | 3,696 |
| Tier 1 risk-based capital ratio | 13.3040% | 3,727 |
| Total risk-based capital ratio | 14.5322% | 3,656 |
| Memoranda: | ||
| Average total assets | $214,450,750 | 2,753 |
| Average earning assets | $201,713,250 | 2,722 |
| Average equity | $21,224,500 | 2,982 |
| Average total loans | $162,879,250 | 2,512 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9490% | 922 |
| Cost of funding earning assets | 0.4302% | 3,497 |
| Net interest margin | 4.5188% | 672 |
| Noninterest income to average assets | 0.5101% | 2,803 |
| Noninterest expense to average assets | 3.3078% | 1,301 |
| Loan and lease loss provision to assets | 0.1700% | 1,081 |
| Net operating income to assets | 0.9819% | 3,100 |
| Return on assets (ROA) | 0.9819% | 3,106 |
| Pretax return on assets | 1.2761% | 2,609 |
| Return on Equity (ROE) | 9.7584% | 2,683 |
| Retained earnings to average equity (ytd only) | 6.9106% | 2,108 |
| Net charge-offs to loans | -0.0062% | 4,163 |
| Credit loss provision to net charge-offs | -3,560.0000% | 4,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5801% | 2,383 |
| Assets per employee ($millions) | 5.4638% | 1,924 |
| Cash dividends to net income (ytd only)* | 29.1829% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1931% | 2,772 |
| Loan loss allowance to noncurrent loans | 6,541.9355% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.2228% | 3,890 |
| Noncurrent loans to loans | 0.0182% | 4,858 |
| Net loans and leases to total assets | 76.8466% | 1,501 |
| Net loans and leases to deposits | 87.6799% | 2,149 |
| Net loans and leases to core deposits | 92.7398% | 2,333 |
| Total domestic deposits to total assets | 87.6445% | 1,567 |
| Equity capital to assets | 9.7318% | 3,886 |
| Core capital (leverage) ratio | 10.0053% | 3,577 |
| Tier 1 risk-based capital ratio | 13.0526% | 3,865 |
| Total risk-based capital ratio | 14.2678% | 3,803 |
| Memoranda: | ||
| Average total assets | $209,384,670 | 2,813 |
| Average earning assets | $196,645,670 | 2,784 |
| Average equity | $21,069,000 | 3,011 |
| Average total loans | $160,084,670 | 2,548 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8816% | 904 |
| Cost of funding earning assets | 0.4297% | 3,373 |
| Net interest margin | 4.4518% | 680 |
| Noninterest income to average assets | 0.4668% | 3,017 |
| Noninterest expense to average assets | 3.1562% | 1,677 |
| Loan and lease loss provision to assets | 0.1758% | 990 |
| Net operating income to assets | 1.0019% | 2,854 |
| Return on assets (ROA) | 1.0019% | 2,873 |
| Pretax return on assets | 1.3027% | 2,358 |
| Return on Equity (ROE) | 9.7859% | 2,544 |
| Retained earnings to average equity (ytd only) | 9.7859% | 1,226 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0995% | 2,812 |
| Assets per employee ($millions) | 5.4644% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2109% | 2,742 |
| Loan loss allowance to noncurrent loans | 96,750.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.5542% | 2,672 |
| Noncurrent loans to loans | 0.0013% | 5,028 |
| Net loans and leases to total assets | 74.0761% | 1,845 |
| Net loans and leases to deposits | 84.2621% | 2,362 |
| Net loans and leases to core deposits | 89.2296% | 2,519 |
| Total domestic deposits to total assets | 87.9115% | 1,671 |
| Equity capital to assets | 9.9098% | 3,687 |
| Core capital (leverage) ratio | 10.4743% | 2,975 |
| Tier 1 risk-based capital ratio | 13.4795% | 3,665 |
| Total risk-based capital ratio | 14.6896% | 3,610 |
| Memoranda: | ||
| Average total assets | $204,801,500 | 2,891 |
| Average earning assets | $191,741,500 | 2,864 |
| Average equity | $20,969,000 | 3,047 |
| Average total loans | $155,138,500 | 2,626 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5706% | 1,512 |
| Cost of funding earning assets | 0.4537% | 2,738 |
| Net interest margin | 4.1169% | 1,380 |
| Noninterest income to average assets | 0.5541% | 2,692 |
| Noninterest expense to average assets | 3.0989% | 1,863 |
| Loan and lease loss provision to assets | 0.1997% | 1,038 |
| Net operating income to assets | 0.5980% | 4,018 |
| Return on assets (ROA) | 0.5966% | 4,067 |
| Pretax return on assets | 1.0947% | 3,207 |
| Return on Equity (ROE) | 6.5134% | 3,523 |
| Retained earnings to average equity (ytd only) | 5.0238% | 2,112 |
| Net charge-offs to loans | 0.0742% | 2,387 |
| Credit loss provision to net charge-offs | 381.1881% | 790 |
| Earnings coverage of net charge-offs (x) | 24.7426% | 1,743 |
| Efficiency ratio | 70.5028% | 2,470 |
| Assets per employee ($millions) | 4.9123% | 2,582 |
| Cash dividends to net income (ytd only)* | 22.8696% | 3,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 2,627 |
| Loan loss allowance to noncurrent loans | 7,687.5000% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.6117% | 2,497 |
| Noncurrent loans to loans | 0.0159% | 4,959 |
| Net loans and leases to total assets | 75.6432% | 1,660 |
| Net loans and leases to deposits | 86.0737% | 2,253 |
| Net loans and leases to core deposits | 91.4073% | 2,424 |
| Total domestic deposits to total assets | 87.8819% | 1,561 |
| Equity capital to assets | 10.5954% | 3,056 |
| Core capital (leverage) ratio | 10.2246% | 3,156 |
| Tier 1 risk-based capital ratio | 13.9871% | 3,368 |
| Total risk-based capital ratio | 15.2247% | 3,282 |
| Memoranda: | ||
| Average total assets | $192,748,600 | 2,987 |
| Average earning assets | $179,844,600 | 2,968 |
| Average equity | $17,656,000 | 3,407 |
| Average total loans | $136,164,600 | 2,834 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4660% | 1,742 |
| Cost of funding earning assets | 0.4539% | 2,682 |
| Net interest margin | 4.0121% | 1,661 |
| Noninterest income to average assets | 0.6027% | 2,471 |
| Noninterest expense to average assets | 3.0911% | 1,827 |
| Loan and lease loss provision to assets | 0.1634% | 1,245 |
| Net operating income to assets | 0.7097% | 3,931 |
| Return on assets (ROA) | 0.7097% | 3,995 |
| Pretax return on assets | 1.0899% | 3,341 |
| Return on Equity (ROE) | 8.0716% | 3,089 |
| Retained earnings to average equity (ytd only) | 5.9924% | 2,243 |
| Net charge-offs to loans | 0.0503% | 2,424 |
| Credit loss provision to net charge-offs | 470.0000% | 682 |
| Earnings coverage of net charge-offs (x) | 36.0573% | 1,396 |
| Efficiency ratio | 71.1520% | 2,342 |
| Assets per employee ($millions) | 5.0600% | 2,378 |
| Cash dividends to net income (ytd only)* | 25.7592% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 2,838 |
| Loan loss allowance to noncurrent loans | 6,466.6667% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.5954% | 2,729 |
| Noncurrent loans to loans | 0.0188% | 5,052 |
| Net loans and leases to total assets | 70.1433% | 2,536 |
| Net loans and leases to deposits | 78.5897% | 3,110 |
| Net loans and leases to core deposits | 83.6476% | 3,162 |
| Total domestic deposits to total assets | 89.2525% | 763 |
| Equity capital to assets | 8.5682% | 5,242 |
| Core capital (leverage) ratio | 8.1614% | 5,445 |
| Tier 1 risk-based capital ratio | 11.7220% | 4,819 |
| Total risk-based capital ratio | 12.9614% | 4,704 |
| Memoranda: | ||
| Average total assets | $191,813,000 | 3,025 |
| Average earning assets | $178,889,750 | 2,999 |
| Average equity | $16,865,250 | 3,533 |
| Average total loans | $132,586,500 | 2,900 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4067% | 1,797 |
| Cost of funding earning assets | 0.4613% | 2,492 |
| Net interest margin | 3.9454% | 1,798 |
| Noninterest income to average assets | 0.6225% | 2,366 |
| Noninterest expense to average assets | 3.0358% | 2,029 |
| Loan and lease loss provision to assets | 0.1593% | 1,250 |
| Net operating income to assets | 0.7138% | 3,779 |
| Return on assets (ROA) | 0.7138% | 3,849 |
| Pretax return on assets | 1.0973% | 3,189 |
| Return on Equity (ROE) | 8.0449% | 3,006 |
| Retained earnings to average equity (ytd only) | 4.8963% | 2,778 |
| Net charge-offs to loans | 0.0652% | 2,000 |
| Credit loss provision to net charge-offs | 357.1429% | 854 |
| Earnings coverage of net charge-offs (x) | 28.1667% | 1,514 |
| Efficiency ratio | 70.7251% | 2,548 |
| Assets per employee ($millions) | 5.2282% | 2,128 |
| Cash dividends to net income (ytd only)* | 39.1369% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 3,110 |
| Loan loss allowance to noncurrent loans | 4,768.5714% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.7087% | 2,442 |
| Noncurrent loans to loans | 0.0249% | 5,063 |
| Net loans and leases to total assets | 68.2176% | 2,783 |
| Net loans and leases to deposits | 76.3432% | 3,301 |
| Net loans and leases to core deposits | 82.7405% | 3,193 |
| Total domestic deposits to total assets | 89.3565% | 782 |
| Equity capital to assets | 8.3458% | 5,387 |
| Core capital (leverage) ratio | 8.2758% | 5,370 |
| Tier 1 risk-based capital ratio | 11.7942% | 4,763 |
| Total risk-based capital ratio | 13.0251% | 4,672 |
| Memoranda: | ||
| Average total assets | $188,284,000 | 3,076 |
| Average earning assets | $175,142,000 | 3,045 |
| Average equity | $16,706,330 | 3,563 |
| Average total loans | $128,876,670 | 2,963 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3745% | 1,735 |
| Cost of funding earning assets | 0.4738% | 2,320 |
| Net interest margin | 3.9007% | 1,777 |
| Noninterest income to average assets | 0.8622% | 1,355 |
| Noninterest expense to average assets | 3.0453% | 2,030 |
| Loan and lease loss provision to assets | 0.2216% | 715 |
| Net operating income to assets | 0.7824% | 3,297 |
| Return on assets (ROA) | 0.7824% | 3,353 |
| Pretax return on assets | 1.2079% | 2,561 |
| Return on Equity (ROE) | 8.5312% | 2,657 |
| Retained earnings to average equity (ytd only) | 6.3078% | 2,182 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0535% | 3,186 |
| Assets per employee ($millions) | 5.2901% | 2,084 |
| Cash dividends to net income (ytd only)* | 26.0623% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3104% | 2,485 |
| Loan loss allowance to noncurrent loans | 1,552.3364% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.8333% | 2,214 |
| Noncurrent loans to loans | 0.0844% | 4,860 |
| Net loans and leases to total assets | 65.6862% | 3,023 |
| Net loans and leases to deposits | 74.1248% | 3,389 |
| Net loans and leases to core deposits | 79.6323% | 3,327 |
| Total domestic deposits to total assets | 88.6156% | 1,367 |
| Equity capital to assets | 8.7863% | 5,010 |
| Core capital (leverage) ratio | 8.6529% | 5,098 |
| Tier 1 risk-based capital ratio | 12.1104% | 4,644 |
| Total risk-based capital ratio | 13.3651% | 4,540 |
| Memoranda: | ||
| Average total assets | $180,476,500 | 3,184 |
| Average earning assets | $167,151,000 | 3,172 |
| Average equity | $16,551,000 | 3,596 |
| Average total loans | $122,933,000 | 3,073 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1986% | 2,490 |
| Cost of funding earning assets | 0.4694% | 2,359 |
| Net interest margin | 3.7292% | 2,578 |
| Noninterest income to average assets | 0.2838% | 4,712 |
| Noninterest expense to average assets | 2.6677% | 3,458 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6467% | 4,013 |
| Return on assets (ROA) | 0.6508% | 4,112 |
| Pretax return on assets | 1.0507% | 3,293 |
| Return on Equity (ROE) | 6.8303% | 3,560 |
| Retained earnings to average equity (ytd only) | 5.9750% | 1,718 |
| Net charge-offs to loans | 0.1246% | 2,006 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 13.0956% | 2,396 |
| Efficiency ratio | 71.8686% | 2,605 |
| Assets per employee ($millions) | 4.8717% | 2,540 |
| Cash dividends to net income (ytd only)* | 12.5225% | 3,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3106% | 2,490 |
| Loan loss allowance to noncurrent loans | 2,027.2727% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.9741% | 1,943 |
| Noncurrent loans to loans | 0.0646% | 4,981 |
| Net loans and leases to total assets | 68.9399% | 2,632 |
| Net loans and leases to deposits | 77.5163% | 3,158 |
| Net loans and leases to core deposits | 84.1155% | 3,014 |
| Total domestic deposits to total assets | 88.9360% | 1,150 |
| Equity capital to assets | 9.6001% | 4,168 |
| Core capital (leverage) ratio | 8.6400% | 5,130 |
| Tier 1 risk-based capital ratio | 12.4337% | 4,420 |
| Total risk-based capital ratio | 13.6910% | 4,304 |
| Memoranda: | ||
| Average total assets | $170,559,000 | 3,282 |
| Average earning assets | $156,789,200 | 3,284 |
| Average equity | $16,251,000 | 3,658 |
| Average total loans | $109,178,600 | 3,221 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1088% | 2,843 |
| Cost of funding earning assets | 0.4615% | 2,450 |
| Net interest margin | 3.6472% | 2,901 |
| Noninterest income to average assets | 0.3768% | 4,088 |
| Noninterest expense to average assets | 2.6436% | 3,524 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7028% | 3,830 |
| Return on assets (ROA) | 0.7058% | 3,947 |
| Pretax return on assets | 1.0857% | 3,290 |
| Return on Equity (ROE) | 7.4221% | 3,342 |
| Retained earnings to average equity (ytd only) | 6.2796% | 2,019 |
| Net charge-offs to loans | 0.0887% | 2,077 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 19.4797% | 1,932 |
| Efficiency ratio | 70.9759% | 2,748 |
| Assets per employee ($millions) | 5.9312% | 1,483 |
| Cash dividends to net income (ytd only)* | 15.3932% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4380% | 2,028 |
| Loan loss allowance to noncurrent loans | 1,935.7143% | 339 |
| Noncurrent assets plus other real estate owned to assets | 1.4359% | 1,279 |
| Noncurrent loans to loans | 0.0743% | 5,050 |
| Net loans and leases to total assets | 62.6323% | 3,564 |
| Net loans and leases to deposits | 71.2716% | 3,859 |
| Net loans and leases to core deposits | 76.4748% | 3,792 |
| Total domestic deposits to total assets | 87.8783% | 1,464 |
| Equity capital to assets | 9.3932% | 4,768 |
| Core capital (leverage) ratio | 8.4772% | 5,378 |
| Tier 1 risk-based capital ratio | 12.7443% | 4,312 |
| Total risk-based capital ratio | 14.0029% | 4,220 |
| Memoranda: | ||
| Average total assets | $170,571,750 | 3,289 |
| Average earning assets | $156,571,250 | 3,301 |
| Average equity | $16,221,500 | 3,694 |
| Average total loans | $106,696,000 | 3,279 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0745% | 2,976 |
| Cost of funding earning assets | 0.4556% | 2,515 |
| Net interest margin | 3.6189% | 3,026 |
| Noninterest income to average assets | 0.3581% | 4,210 |
| Noninterest expense to average assets | 2.6720% | 3,480 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6543% | 4,026 |
| Return on assets (ROA) | 0.6543% | 4,171 |
| Pretax return on assets | 1.0029% | 3,574 |
| Return on Equity (ROE) | 6.8505% | 3,627 |
| Retained earnings to average equity (ytd only) | 5.1192% | 2,654 |
| Net charge-offs to loans | 0.0402% | 2,655 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 40.1429% | 1,154 |
| Efficiency ratio | 72.7096% | 2,561 |
| Assets per employee ($millions) | 6.0782% | 1,349 |
| Cash dividends to net income (ytd only)* | 25.2727% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5442% | 1,701 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3565% | 1,469 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 60.6236% | 3,798 |
| Net loans and leases to deposits | 68.7893% | 4,104 |
| Net loans and leases to core deposits | 73.8345% | 3,997 |
| Total domestic deposits to total assets | 88.1294% | 1,365 |
| Equity capital to assets | 9.3721% | 4,891 |
| Core capital (leverage) ratio | 8.3868% | 5,457 |
| Tier 1 risk-based capital ratio | 12.8347% | 4,293 |
| Total risk-based capital ratio | 14.0958% | 4,203 |
| Memoranda: | ||
| Average total assets | $168,116,670 | 3,341 |
| Average earning assets | $154,081,330 | 3,348 |
| Average equity | $16,057,330 | 3,723 |
| Average total loans | $104,570,670 | 3,329 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0453% | 3,053 |
| Cost of funding earning assets | 0.4489% | 2,598 |
| Net interest margin | 3.5964% | 3,094 |
| Noninterest income to average assets | 0.2633% | 4,846 |
| Noninterest expense to average assets | 2.6432% | 3,597 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6079% | 4,141 |
| Return on assets (ROA) | 0.5999% | 4,290 |
| Pretax return on assets | 0.9095% | 3,805 |
| Return on Equity (ROE) | 6.2176% | 3,868 |
| Retained earnings to average equity (ytd only) | 6.2176% | 2,271 |
| Net charge-offs to loans | -0.1209% | 5,706 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1450% | 2,451 |
| Assets per employee ($millions) | 6.1101% | 1,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6475% | 1,487 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3976% | 1,484 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 60.2986% | 3,730 |
| Net loans and leases to deposits | 68.2131% | 4,037 |
| Net loans and leases to core deposits | 72.6366% | 4,015 |
| Total domestic deposits to total assets | 88.3974% | 1,409 |
| Equity capital to assets | 9.4510% | 4,717 |
| Core capital (leverage) ratio | 8.7543% | 5,117 |
| Tier 1 risk-based capital ratio | 13.0298% | 4,249 |
| Total risk-based capital ratio | 14.2935% | 4,157 |
| Memoranda: | ||
| Average total assets | $164,041,000 | 3,403 |
| Average earning assets | $150,593,500 | 3,417 |
| Average equity | $15,826,000 | 3,755 |
| Average total loans | $102,588,000 | 3,381 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0004% | 3,303 |
| Cost of funding earning assets | 0.4613% | 2,528 |
| Net interest margin | 3.5391% | 3,380 |
| Noninterest income to average assets | 0.4379% | 3,762 |
| Noninterest expense to average assets | 2.7966% | 3,243 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9717% | 2,512 |
| Return on assets (ROA) | 0.9948% | 2,485 |
| Pretax return on assets | 0.8916% | 3,873 |
| Return on Equity (ROE) | 10.1846% | 1,937 |
| Retained earnings to average equity (ytd only) | 9.3991% | 559 |
| Net charge-offs to loans | 0.1562% | 1,818 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 8.6954% | 2,917 |
| Efficiency ratio | 76.3039% | 2,220 |
| Assets per employee ($millions) | 5.8148% | 1,520 |
| Cash dividends to net income (ytd only)* | 7.7128% | 4,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6921% | 1,369 |
| Loan loss allowance to noncurrent loans | 168.1863% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 2.2771% | 724 |
| Noncurrent loans to loans | 1.0061% | 2,329 |
| Net loans and leases to total assets | 62.7968% | 3,447 |
| Net loans and leases to deposits | 70.7060% | 3,836 |
| Net loans and leases to core deposits | 75.2465% | 3,826 |
| Total domestic deposits to total assets | 88.8140% | 1,219 |
| Equity capital to assets | 9.8618% | 4,122 |
| Core capital (leverage) ratio | 8.5667% | 5,360 |
| Tier 1 risk-based capital ratio | 12.8614% | 4,414 |
| Total risk-based capital ratio | 14.1322% | 4,291 |
| Memoranda: | ||
| Average total assets | $151,186,000 | 3,551 |
| Average earning assets | $137,859,800 | 3,564 |
| Average equity | $14,767,400 | 3,870 |
| Average total loans | $96,650,200 | 3,446 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0838% | 3,007 |
| Cost of funding earning assets | 0.4598% | 2,589 |
| Net interest margin | 3.6239% | 3,064 |
| Noninterest income to average assets | 0.3900% | 4,156 |
| Noninterest expense to average assets | 2.9038% | 2,839 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5146% | 4,737 |
| Return on assets (ROA) | 0.5369% | 4,743 |
| Pretax return on assets | 0.8183% | 4,281 |
| Return on Equity (ROE) | 5.5111% | 4,404 |
| Retained earnings to average equity (ytd only) | 4.4509% | 3,295 |
| Net charge-offs to loans | -0.2465% | 6,049 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7301% | 1,854 |
| Assets per employee ($millions) | 5.8244% | 1,490 |
| Cash dividends to net income (ytd only)* | 19.2368% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0810% | 803 |
| Loan loss allowance to noncurrent loans | 59.4016% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 3.7257% | 330 |
| Noncurrent loans to loans | 3.5033% | 446 |
| Net loans and leases to total assets | 60.5895% | 3,798 |
| Net loans and leases to deposits | 71.8808% | 3,784 |
| Net loans and leases to core deposits | 76.6773% | 3,723 |
| Total domestic deposits to total assets | 84.2916% | 3,307 |
| Equity capital to assets | 9.4544% | 4,805 |
| Core capital (leverage) ratio | 8.7573% | 5,291 |
| Tier 1 risk-based capital ratio | 13.3373% | 4,225 |
| Total risk-based capital ratio | 14.6089% | 4,137 |
| Memoranda: | ||
| Average total assets | $149,732,500 | 3,605 |
| Average earning assets | $136,275,750 | 3,623 |
| Average equity | $14,588,500 | 3,936 |
| Average total loans | $95,740,750 | 3,493 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0493% | 3,078 |
| Cost of funding earning assets | 0.4644% | 2,567 |
| Net interest margin | 3.5849% | 3,152 |
| Noninterest income to average assets | 0.3546% | 4,421 |
| Noninterest expense to average assets | 2.8990% | 2,899 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4644% | 4,921 |
| Return on assets (ROA) | 0.4931% | 4,905 |
| Pretax return on assets | 0.7499% | 4,496 |
| Return on Equity (ROE) | 5.0085% | 4,614 |
| Retained earnings to average equity (ytd only) | 3.4080% | 3,872 |
| Net charge-offs to loans | -0.3487% | 6,149 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4069% | 1,699 |
| Assets per employee ($millions) | 5.5137% | 1,724 |
| Cash dividends to net income (ytd only)* | 31.9559% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0906% | 866 |
| Loan loss allowance to noncurrent loans | 52.7778% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 5.1851% | 201 |
| Noncurrent loans to loans | 3.9612% | 396 |
| Net loans and leases to total assets | 63.3573% | 3,361 |
| Net loans and leases to deposits | 75.3000% | 3,343 |
| Net loans and leases to core deposits | 80.4366% | 3,339 |
| Total domestic deposits to total assets | 84.1399% | 3,502 |
| Equity capital to assets | 9.7562% | 4,333 |
| Core capital (leverage) ratio | 8.6479% | 5,376 |
| Tier 1 risk-based capital ratio | 12.9465% | 4,544 |
| Total risk-based capital ratio | 14.2192% | 4,449 |
| Memoranda: | ||
| Average total assets | $147,223,330 | 3,671 |
| Average earning assets | $133,504,330 | 3,703 |
| Average equity | $14,495,330 | 3,964 |
| Average total loans | $95,218,330 | 3,531 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1001% | 2,827 |
| Cost of funding earning assets | 0.4556% | 2,715 |
| Net interest margin | 3.6445% | 2,835 |
| Noninterest income to average assets | 0.3251% | 4,583 |
| Noninterest expense to average assets | 2.8333% | 3,125 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5148% | 4,598 |
| Return on assets (ROA) | 0.5574% | 4,563 |
| Pretax return on assets | 0.8579% | 4,033 |
| Return on Equity (ROE) | 5.6350% | 4,214 |
| Retained earnings to average equity (ytd only) | 5.6350% | 2,692 |
| Net charge-offs to loans | -0.6676% | 6,281 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1462% | 2,165 |
| Assets per employee ($millions) | 5.7339% | 1,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1108% | 913 |
| Loan loss allowance to noncurrent loans | 42.6536% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 5.3447% | 217 |
| Noncurrent loans to loans | 4.9488% | 276 |
| Net loans and leases to total assets | 62.4006% | 3,303 |
| Net loans and leases to deposits | 73.1186% | 3,415 |
| Net loans and leases to core deposits | 77.9710% | 3,379 |
| Total domestic deposits to total assets | 85.3416% | 3,247 |
| Equity capital to assets | 9.8087% | 4,378 |
| Core capital (leverage) ratio | 8.7940% | 5,212 |
| Tier 1 risk-based capital ratio | 13.6245% | 4,265 |
| Total risk-based capital ratio | 14.8998% | 4,159 |
| Memoranda: | ||
| Average total assets | $146,400,000 | 3,707 |
| Average earning assets | $132,583,500 | 3,739 |
| Average equity | $14,481,000 | 4,000 |
| Average total loans | $94,660,500 | 3,551 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2243% | 2,869 |
| Cost of funding earning assets | 0.4308% | 3,374 |
| Net interest margin | 3.7936% | 2,650 |
| Noninterest income to average assets | 0.3565% | 4,550 |
| Noninterest expense to average assets | 2.7871% | 3,532 |
| Loan and lease loss provision to assets | 0.2643% | 838 |
| Net operating income to assets | 1.1431% | 1,800 |
| Return on assets (ROA) | 1.1610% | 1,791 |
| Pretax return on assets | 0.7959% | 4,274 |
| Return on Equity (ROE) | 12.3082% | 1,321 |
| Retained earnings to average equity (ytd only) | 12.3082% | 275 |
| Net charge-offs to loans | 0.7130% | 518 |
| Credit loss provision to net charge-offs | 55.8069% | 3,360 |
| Earnings coverage of net charge-offs (x) | 2.2006% | 4,224 |
| Efficiency ratio | 72.7799% | 3,075 |
| Assets per employee ($millions) | 5.5276% | 1,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9600% | 1,184 |
| Loan loss allowance to noncurrent loans | 36.3493% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 5.7961% | 206 |
| Noncurrent loans to loans | 5.3920% | 245 |
| Net loans and leases to total assets | 64.3197% | 3,175 |
| Net loans and leases to deposits | 74.1362% | 3,419 |
| Net loans and leases to core deposits | 78.8991% | 3,423 |
| Total domestic deposits to total assets | 86.7588% | 2,414 |
| Equity capital to assets | 9.9772% | 4,140 |
| Core capital (leverage) ratio | 9.0530% | 4,901 |
| Tier 1 risk-based capital ratio | 13.0597% | 4,687 |
| Total risk-based capital ratio | 14.3168% | 4,598 |
| Memoranda: | ||
| Average total assets | $139,966,800 | 3,803 |
| Average earning assets | $128,138,400 | 3,804 |
| Average equity | $13,202,600 | 4,155 |
| Average total loans | $92,986,000 | 3,565 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2296% | 2,889 |
| Cost of funding earning assets | 0.4175% | 3,604 |
| Net interest margin | 3.8121% | 2,568 |
| Noninterest income to average assets | 0.4344% | 3,989 |
| Noninterest expense to average assets | 2.8895% | 3,160 |
| Loan and lease loss provision to assets | 0.3548% | 494 |
| Net operating income to assets | 0.6924% | 3,980 |
| Return on assets (ROA) | 0.7173% | 3,955 |
| Pretax return on assets | 0.7173% | 4,648 |
| Return on Equity (ROE) | 7.7200% | 3,355 |
| Retained earnings to average equity (ytd only) | 7.7200% | 1,484 |
| Net charge-offs to loans | 0.5655% | 664 |
| Credit loss provision to net charge-offs | 94.1476% | 2,358 |
| Earnings coverage of net charge-offs (x) | 2.7786% | 3,826 |
| Efficiency ratio | 73.3983% | 2,922 |
| Assets per employee ($millions) | 5.4664% | 1,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2442% | 883 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 5.4367% | 285 |
| Noncurrent loans to loans | 4.4885% | 441 |
| Net loans and leases to total assets | 64.9121% | 3,039 |
| Net loans and leases to deposits | 75.2418% | 3,279 |
| Net loans and leases to core deposits | 79.3261% | 3,397 |
| Total domestic deposits to total assets | 86.2713% | 2,719 |
| Equity capital to assets | 9.4233% | 4,890 |
| Core capital (leverage) ratio | 9.0267% | 5,040 |
| Tier 1 risk-based capital ratio | 12.5513% | 5,139 |
| Total risk-based capital ratio | 13.8125% | 5,066 |
| Memoranda: | ||
| Average total assets | $139,029,000 | 3,845 |
| Average earning assets | $127,731,250 | 3,840 |
| Average equity | $12,918,500 | 4,238 |
| Average total loans | $92,660,750 | 3,609 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1579% | 3,111 |
| Cost of funding earning assets | 0.4063% | 3,807 |
| Net interest margin | 3.7515% | 2,752 |
| Noninterest income to average assets | 0.5029% | 3,465 |
| Noninterest expense to average assets | 2.8537% | 3,328 |
| Loan and lease loss provision to assets | 0.4449% | 365 |
| Net operating income to assets | 0.6565% | 4,060 |
| Return on assets (ROA) | 0.6623% | 4,131 |
| Pretax return on assets | 0.6623% | 4,761 |
| Return on Equity (ROE) | 7.1628% | 3,538 |
| Retained earnings to average equity (ytd only) | 7.1628% | 1,685 |
| Net charge-offs to loans | -0.0130% | 5,401 |
| Credit loss provision to net charge-offs | -5,116.6667% | 5,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1510% | 3,305 |
| Assets per employee ($millions) | 5.6676% | 1,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6529% | 569 |
| Loan loss allowance to noncurrent loans | 43.6655% | 5,393 |
| Noncurrent assets plus other real estate owned to assets | 6.5530% | 209 |
| Noncurrent loans to loans | 6.0756% | 252 |
| Net loans and leases to total assets | 63.5521% | 3,149 |
| Net loans and leases to deposits | 73.6171% | 3,371 |
| Net loans and leases to core deposits | 77.7736% | 3,466 |
| Total domestic deposits to total assets | 86.3279% | 2,857 |
| Equity capital to assets | 9.2992% | 4,984 |
| Core capital (leverage) ratio | 9.0221% | 4,989 |
| Tier 1 risk-based capital ratio | 12.7989% | 5,034 |
| Total risk-based capital ratio | 14.0650% | 4,968 |
| Memoranda: | ||
| Average total assets | $137,996,670 | 3,886 |
| Average earning assets | $126,988,330 | 3,874 |
| Average equity | $12,760,330 | 4,274 |
| Average total loans | $92,089,330 | 3,634 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2671% | 2,644 |
| Cost of funding earning assets | 0.4065% | 3,883 |
| Net interest margin | 3.8605% | 2,227 |
| Noninterest income to average assets | 0.3379% | 4,672 |
| Noninterest expense to average assets | 2.9056% | 3,188 |
| Loan and lease loss provision to assets | 0.3672% | 465 |
| Net operating income to assets | 0.6082% | 4,159 |
| Return on assets (ROA) | 0.6111% | 4,228 |
| Pretax return on assets | 0.6111% | 4,797 |
| Return on Equity (ROE) | 6.6282% | 3,671 |
| Retained earnings to average equity (ytd only) | 6.6282% | 2,221 |
| Net charge-offs to loans | 0.0174% | 3,234 |
| Credit loss provision to net charge-offs | 3,125.0000% | 117 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 524 |
| Efficiency ratio | 74.8675% | 2,987 |
| Assets per employee ($millions) | 5.4808% | 1,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4354% | 870 |
| Loan loss allowance to noncurrent loans | 76.8603% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 5.2941% | 371 |
| Noncurrent loans to loans | 3.1686% | 972 |
| Net loans and leases to total assets | 66.1351% | 2,545 |
| Net loans and leases to deposits | 76.7736% | 2,718 |
| Net loans and leases to core deposits | 81.9496% | 2,741 |
| Total domestic deposits to total assets | 86.1430% | 3,284 |
| Equity capital to assets | 9.3519% | 4,695 |
| Core capital (leverage) ratio | 8.8627% | 5,185 |
| Tier 1 risk-based capital ratio | 12.3324% | 5,420 |
| Total risk-based capital ratio | 13.5959% | 5,343 |
| Memoranda: | ||
| Average total assets | $136,150,000 | 3,956 |
| Average earning assets | $124,956,500 | 3,946 |
| Average equity | $12,552,500 | 4,330 |
| Average total loans | $91,883,500 | 3,666 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1557% | 3,518 |
| Cost of funding earning assets | 0.5465% | 3,141 |
| Net interest margin | 3.6092% | 3,428 |
| Noninterest income to average assets | -0.1962% | 6,758 |
| Noninterest expense to average assets | 2.7208% | 4,023 |
| Loan and lease loss provision to assets | 0.1610% | 2,267 |
| Net operating income to assets | 1.2583% | 1,371 |
| Return on assets (ROA) | 1.2685% | 1,395 |
| Pretax return on assets | 0.2438% | 5,857 |
| Return on Equity (ROE) | 15.1967% | 729 |
| Retained earnings to average equity (ytd only) | 15.1967% | 161 |
| Net charge-offs to loans | 1.7713% | 236 |
| Credit loss provision to net charge-offs | 13.6731% | 4,541 |
| Earnings coverage of net charge-offs (x) | 0.3350% | 4,970 |
| Efficiency ratio | 87.3355% | 1,287 |
| Assets per employee ($millions) | 5.6366% | 1,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3557% | 980 |
| Loan loss allowance to noncurrent loans | 40.2141% | 5,626 |
| Noncurrent assets plus other real estate owned to assets | 6.4947% | 279 |
| Noncurrent loans to loans | 5.8579% | 361 |
| Net loans and leases to total assets | 65.6015% | 2,752 |
| Net loans and leases to deposits | 74.7528% | 3,144 |
| Net loans and leases to core deposits | 79.6248% | 3,175 |
| Total domestic deposits to total assets | 87.7579% | 2,331 |
| Equity capital to assets | 9.0857% | 4,937 |
| Core capital (leverage) ratio | 8.4787% | 5,697 |
| Tier 1 risk-based capital ratio | 12.3350% | 5,404 |
| Total risk-based capital ratio | 13.5928% | 5,325 |
| Memoranda: | ||
| Average total assets | $136,612,800 | 3,945 |
| Average earning assets | $125,346,800 | 3,941 |
| Average equity | $11,403,800 | 4,557 |
| Average total loans | $90,836,400 | 3,671 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1278% | 3,652 |
| Cost of funding earning assets | 0.5786% | 3,009 |
| Net interest margin | 3.5492% | 3,658 |
| Noninterest income to average assets | 0.0798% | 6,539 |
| Noninterest expense to average assets | 2.7183% | 3,955 |
| Loan and lease loss provision to assets | 0.1460% | 2,453 |
| Net operating income to assets | 0.4702% | 4,930 |
| Return on assets (ROA) | 0.4702% | 5,079 |
| Pretax return on assets | 0.4702% | 5,442 |
| Return on Equity (ROE) | 5.7591% | 4,308 |
| Retained earnings to average equity (ytd only) | 5.7591% | 2,562 |
| Net charge-offs to loans | 1.9671% | 198 |
| Credit loss provision to net charge-offs | 11.1940% | 4,209 |
| Earnings coverage of net charge-offs (x) | 0.4724% | 4,706 |
| Efficiency ratio | 81.5182% | 1,895 |
| Assets per employee ($millions) | 5.7464% | 1,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6064% | 827 |
| Loan loss allowance to noncurrent loans | 47.2250% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 7.5352% | 256 |
| Noncurrent loans to loans | 5.5190% | 495 |
| Net loans and leases to total assets | 63.4023% | 3,096 |
| Net loans and leases to deposits | 73.3963% | 3,334 |
| Net loans and leases to core deposits | 78.1482% | 3,341 |
| Total domestic deposits to total assets | 86.3834% | 3,038 |
| Equity capital to assets | 8.0594% | 6,113 |
| Core capital (leverage) ratio | 8.4207% | 5,841 |
| Tier 1 risk-based capital ratio | 12.6437% | 5,366 |
| Total risk-based capital ratio | 13.8937% | 5,310 |
| Memoranda: | ||
| Average total assets | $136,946,250 | 3,978 |
| Average earning assets | $125,585,000 | 3,973 |
| Average equity | $11,182,000 | 4,652 |
| Average total loans | $90,824,000 | 3,697 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1566% | 3,511 |
| Cost of funding earning assets | 0.6363% | 2,629 |
| Net interest margin | 3.5204% | 3,697 |
| Noninterest income to average assets | -0.0205% | 6,822 |
| Noninterest expense to average assets | 2.6247% | 4,300 |
| Loan and lease loss provision to assets | 0.1464% | 2,504 |
| Net operating income to assets | 0.4318% | 5,100 |
| Return on assets (ROA) | 0.4318% | 5,257 |
| Pretax return on assets | 0.4318% | 5,573 |
| Return on Equity (ROE) | 5.2658% | 4,583 |
| Retained earnings to average equity (ytd only) | 5.2658% | 2,879 |
| Net charge-offs to loans | 2.8912% | 108 |
| Credit loss provision to net charge-offs | 7.5873% | 3,930 |
| Earnings coverage of net charge-offs (x) | 0.2997% | 4,441 |
| Efficiency ratio | 81.9470% | 1,894 |
| Assets per employee ($millions) | 5.5942% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5216% | 961 |
| Loan loss allowance to noncurrent loans | 44.4018% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 8.0641% | 248 |
| Noncurrent loans to loans | 5.6790% | 530 |
| Net loans and leases to total assets | 66.5696% | 2,491 |
| Net loans and leases to deposits | 77.1782% | 2,701 |
| Net loans and leases to core deposits | 82.6654% | 2,732 |
| Total domestic deposits to total assets | 86.2544% | 3,230 |
| Equity capital to assets | 8.1893% | 6,063 |
| Core capital (leverage) ratio | 8.2126% | 5,996 |
| Tier 1 risk-based capital ratio | 12.2304% | 5,658 |
| Total risk-based capital ratio | 13.4961% | 5,599 |
| Memoranda: | ||
| Average total assets | $136,624,000 | 4,006 |
| Average earning assets | $125,101,000 | 4,010 |
| Average equity | $11,204,330 | 4,682 |
| Average total loans | $91,172,000 | 3,697 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0407% | 3,951 |
| Cost of funding earning assets | 0.6523% | 2,635 |
| Net interest margin | 3.3884% | 4,164 |
| Noninterest income to average assets | -0.1451% | 6,936 |
| Noninterest expense to average assets | 2.5863% | 4,447 |
| Loan and lease loss provision to assets | 0.1451% | 2,427 |
| Net operating income to assets | 0.2293% | 5,794 |
| Return on assets (ROA) | 0.2293% | 5,920 |
| Pretax return on assets | 0.2293% | 6,022 |
| Return on Equity (ROE) | 2.7942% | 5,666 |
| Retained earnings to average equity (ytd only) | 2.7942% | 4,608 |
| Net charge-offs to loans | 5.7989% | 35 |
| Credit loss provision to net charge-offs | 3.7936% | 3,203 |
| Earnings coverage of net charge-offs (x) | 0.0979% | 3,786 |
| Efficiency ratio | 87.3529% | 1,387 |
| Assets per employee ($millions) | 6.2372% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5427% | 1,066 |
| Loan loss allowance to noncurrent loans | 40.9116% | 5,567 |
| Noncurrent assets plus other real estate owned to assets | 7.9144% | 319 |
| Noncurrent loans to loans | 6.2152% | 524 |
| Net loans and leases to total assets | 63.1822% | 2,857 |
| Net loans and leases to deposits | 73.1863% | 3,023 |
| Net loans and leases to core deposits | 79.9023% | 2,819 |
| Total domestic deposits to total assets | 86.3306% | 3,341 |
| Equity capital to assets | 8.2663% | 6,207 |
| Core capital (leverage) ratio | 7.9672% | 6,176 |
| Tier 1 risk-based capital ratio | 11.8540% | 5,993 |
| Total risk-based capital ratio | 13.1183% | 5,959 |
| Memoranda: | ||
| Average total assets | $137,805,500 | 4,024 |
| Average earning assets | $126,314,500 | 4,013 |
| Average equity | $11,309,000 | 4,714 |
| Average total loans | $90,913,500 | 3,724 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5570% | 3,182 |
| Cost of funding earning assets | 0.8696% | 2,141 |
| Net interest margin | 3.6874% | 3,698 |
| Noninterest income to average assets | -0.0576% | 6,892 |
| Noninterest expense to average assets | 2.4854% | 5,152 |
| Loan and lease loss provision to assets | 0.6380% | 842 |
| Net operating income to assets | 0.1241% | 5,960 |
| Return on assets (ROA) | 0.3280% | 5,584 |
| Pretax return on assets | 0.3280% | 5,769 |
| Return on Equity (ROE) | 4.2577% | 5,036 |
| Retained earnings to average equity (ytd only) | 4.2577% | 3,227 |
| Net charge-offs to loans | 1.8675% | 415 |
| Credit loss provision to net charge-offs | 51.5695% | 4,659 |
| Earnings coverage of net charge-offs (x) | 0.6160% | 5,179 |
| Efficiency ratio | 76.5321% | 2,659 |
| Assets per employee ($millions) | 6.5901% | 957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8011% | 330 |
| Loan loss allowance to noncurrent loans | 48.5691% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 9.4290% | 244 |
| Noncurrent loans to loans | 7.8262% | 377 |
| Net loans and leases to total assets | 64.5536% | 2,802 |
| Net loans and leases to deposits | 74.0783% | 3,077 |
| Net loans and leases to core deposits | 79.6450% | 3,056 |
| Total domestic deposits to total assets | 87.1423% | 2,747 |
| Equity capital to assets | 8.1471% | 6,324 |
| Core capital (leverage) ratio | 7.7812% | 6,351 |
| Tier 1 risk-based capital ratio | 11.4573% | 6,132 |
| Total risk-based capital ratio | 12.7367% | 6,080 |
| Memoranda: | ||
| Average total assets | $144,203,200 | 3,877 |
| Average earning assets | $129,251,800 | 3,918 |
| Average equity | $11,109,400 | 4,740 |
| Average total loans | $95,531,000 | 3,631 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6611% | 2,961 |
| Cost of funding earning assets | 0.9201% | 2,046 |
| Net interest margin | 3.7410% | 3,605 |
| Noninterest income to average assets | -0.0613% | 6,999 |
| Noninterest expense to average assets | 2.4038% | 5,388 |
| Loan and lease loss provision to assets | 0.6636% | 784 |
| Net operating income to assets | 0.2060% | 5,902 |
| Return on assets (ROA) | 0.4522% | 5,271 |
| Pretax return on assets | 0.4522% | 5,590 |
| Return on Equity (ROE) | 5.9509% | 4,352 |
| Retained earnings to average equity (ytd only) | 5.9509% | 2,724 |
| Net charge-offs to loans | 2.0790% | 333 |
| Credit loss provision to net charge-offs | 48.3333% | 4,439 |
| Earnings coverage of net charge-offs (x) | 0.6333% | 5,005 |
| Efficiency ratio | 73.4340% | 3,079 |
| Assets per employee ($millions) | 6.4301% | 985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9076% | 334 |
| Loan loss allowance to noncurrent loans | 73.0079% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 7.9865% | 388 |
| Noncurrent loans to loans | 5.3523% | 815 |
| Net loans and leases to total assets | 62.9111% | 3,221 |
| Net loans and leases to deposits | 72.5491% | 3,523 |
| Net loans and leases to core deposits | 77.7461% | 3,493 |
| Total domestic deposits to total assets | 86.7153% | 2,843 |
| Equity capital to assets | 7.9095% | 6,634 |
| Core capital (leverage) ratio | 7.6551% | 6,549 |
| Tier 1 risk-based capital ratio | 11.8780% | 6,011 |
| Total risk-based capital ratio | 13.1600% | 5,980 |
| Memoranda: | ||
| Average total assets | $145,656,000 | 3,889 |
| Average earning assets | $129,836,750 | 3,945 |
| Average equity | $11,068,000 | 4,790 |
| Average total loans | $96,197,000 | 3,650 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7719% | 2,630 |
| Cost of funding earning assets | 0.9860% | 1,848 |
| Net interest margin | 3.7859% | 3,430 |
| Noninterest income to average assets | -0.0952% | 7,087 |
| Noninterest expense to average assets | 2.3202% | 5,675 |
| Loan and lease loss provision to assets | 0.6120% | 961 |
| Net operating income to assets | 0.3251% | 5,520 |
| Return on assets (ROA) | 0.3971% | 5,458 |
| Pretax return on assets | 0.3971% | 5,717 |
| Return on Equity (ROE) | 5.2958% | 4,667 |
| Retained earnings to average equity (ytd only) | 5.2958% | 3,095 |
| Net charge-offs to loans | 2.3698% | 307 |
| Credit loss provision to net charge-offs | 38.9948% | 4,285 |
| Earnings coverage of net charge-offs (x) | 0.5971% | 4,769 |
| Efficiency ratio | 71.2317% | 3,561 |
| Assets per employee ($millions) | 6.6490% | 884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9052% | 368 |
| Loan loss allowance to noncurrent loans | 106.0955% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 7.3086% | 508 |
| Noncurrent loans to loans | 3.6808% | 1,546 |
| Net loans and leases to total assets | 62.0732% | 3,419 |
| Net loans and leases to deposits | 71.2682% | 3,728 |
| Net loans and leases to core deposits | 76.9153% | 3,666 |
| Total domestic deposits to total assets | 87.0979% | 2,718 |
| Equity capital to assets | 7.7284% | 6,704 |
| Core capital (leverage) ratio | 7.3539% | 6,684 |
| Tier 1 risk-based capital ratio | 11.4134% | 6,272 |
| Total risk-based capital ratio | 12.6954% | 6,223 |
| Memoranda: | ||
| Average total assets | $147,053,670 | 3,885 |
| Average earning assets | $130,220,000 | 3,953 |
| Average equity | $11,027,670 | 4,803 |
| Average total loans | $97,391,000 | 3,639 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9158% | 2,181 |
| Cost of funding earning assets | 1.0638% | 1,602 |
| Net interest margin | 3.8520% | 3,133 |
| Noninterest income to average assets | 0.0950% | 6,770 |
| Noninterest expense to average assets | 2.4579% | 5,295 |
| Loan and lease loss provision to assets | 0.6104% | 932 |
| Net operating income to assets | 0.3961% | 5,273 |
| Return on assets (ROA) | 0.5453% | 4,832 |
| Pretax return on assets | 0.5453% | 5,303 |
| Return on Equity (ROE) | 7.3836% | 3,568 |
| Retained earnings to average equity (ytd only) | 7.3836% | 2,238 |
| Net charge-offs to loans | 3.1323% | 227 |
| Credit loss provision to net charge-offs | 29.0698% | 3,640 |
| Earnings coverage of net charge-offs (x) | 0.4793% | 4,100 |
| Efficiency ratio | 70.9475% | 3,629 |
| Assets per employee ($millions) | 6.7283% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9369% | 388 |
| Loan loss allowance to noncurrent loans | 78.6459% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 7.5225% | 539 |
| Noncurrent loans to loans | 5.0059% | 1,119 |
| Net loans and leases to total assets | 63.3825% | 2,971 |
| Net loans and leases to deposits | 72.3367% | 3,377 |
| Net loans and leases to core deposits | 77.7815% | 3,357 |
| Total domestic deposits to total assets | 87.6214% | 2,575 |
| Equity capital to assets | 7.4563% | 6,798 |
| Core capital (leverage) ratio | 7.2726% | 6,737 |
| Tier 1 risk-based capital ratio | 10.9992% | 6,538 |
| Total risk-based capital ratio | 12.2818% | 6,504 |
| Memoranda: | ||
| Average total assets | $147,441,000 | 3,915 |
| Average earning assets | $128,972,500 | 4,006 |
| Average equity | $10,889,000 | 4,840 |
| Average total loans | $98,841,500 | 3,628 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0629% | 2,593 |
| Cost of funding earning assets | 1.4445% | 868 |
| Net interest margin | 3.6185% | 4,659 |
| Noninterest income to average assets | -0.1565% | 7,139 |
| Noninterest expense to average assets | 2.3744% | 5,841 |
| Loan and lease loss provision to assets | 2.2844% | 221 |
| Net operating income to assets | -1.6725% | 6,950 |
| Return on assets (ROA) | -1.6725% | 6,966 |
| Pretax return on assets | -1.6705% | 6,933 |
| Return on Equity (ROE) | -29.4870% | 7,089 |
| Retained earnings to average equity (ytd only) | -29.4870% | 7,082 |
| Net charge-offs to loans | 2.0567% | 659 |
| Credit loss provision to net charge-offs | 154.9431% | 1,812 |
| Earnings coverage of net charge-offs (x) | 0.4164% | 5,507 |
| Efficiency ratio | 79.4561% | 2,380 |
| Assets per employee ($millions) | 6.9933% | 746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3932% | 278 |
| Loan loss allowance to noncurrent loans | 67.2791% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 8.4271% | 452 |
| Noncurrent loans to loans | 6.5298% | 711 |
| Net loans and leases to total assets | 65.1124% | 2,954 |
| Net loans and leases to deposits | 73.9157% | 3,510 |
| Net loans and leases to core deposits | 81.7397% | 3,219 |
| Total domestic deposits to total assets | 88.0900% | 2,097 |
| Equity capital to assets | 7.3138% | 6,873 |
| Core capital (leverage) ratio | 6.8950% | 6,898 |
| Tier 1 risk-based capital ratio | 10.3007% | 6,770 |
| Total risk-based capital ratio | 11.5892% | 6,730 |
| Memoranda: | ||
| Average total assets | $148,880,400 | 3,824 |
| Average earning assets | $129,391,800 | 3,947 |
| Average equity | $8,444,400 | 5,420 |
| Average total loans | $106,723,400 | 3,454 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0549% | 2,825 |
| Cost of funding earning assets | 1.5035% | 849 |
| Net interest margin | 3.5514% | 4,978 |
| Noninterest income to average assets | -0.1401% | 7,240 |
| Noninterest expense to average assets | 2.2991% | 6,041 |
| Loan and lease loss provision to assets | 1.9734% | 282 |
| Net operating income to assets | -1.3031% | 6,988 |
| Return on assets (ROA) | -1.3031% | 7,006 |
| Pretax return on assets | -1.3031% | 6,963 |
| Return on Equity (ROE) | -24.7339% | 7,163 |
| Retained earnings to average equity (ytd only) | -24.7339% | 7,152 |
| Net charge-offs to loans | 0.7085% | 2,144 |
| Credit loss provision to net charge-offs | 383.8542% | 737 |
| Earnings coverage of net charge-offs (x) | 1.3038% | 4,642 |
| Efficiency ratio | 77.4271% | 2,619 |
| Assets per employee ($millions) | 6.8651% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6279% | 241 |
| Loan loss allowance to noncurrent loans | 60.5828% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 7.7917% | 578 |
| Noncurrent loans to loans | 7.6389% | 606 |
| Net loans and leases to total assets | 65.8092% | 2,945 |
| Net loans and leases to deposits | 72.9672% | 3,814 |
| Net loans and leases to core deposits | 79.4128% | 3,721 |
| Total domestic deposits to total assets | 90.1902% | 769 |
| Equity capital to assets | 4.7612% | 7,277 |
| Core capital (leverage) ratio | 4.7042% | 7,260 |
| Tier 1 risk-based capital ratio | 6.7154% | 7,262 |
| Total risk-based capital ratio | 8.0068% | 7,264 |
| Memoranda: | ||
| Average total assets | $149,385,500 | 3,835 |
| Average earning assets | $130,801,250 | 3,940 |
| Average equity | $7,870,250 | 5,637 |
| Average total loans | $108,399,750 | 3,455 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1638% | 2,401 |
| Cost of funding earning assets | 1.6303% | 622 |
| Net interest margin | 3.5334% | 5,000 |
| Noninterest income to average assets | -0.2473% | 7,357 |
| Noninterest expense to average assets | 2.3637% | 5,952 |
| Loan and lease loss provision to assets | 1.7738% | 378 |
| Net operating income to assets | -1.3209% | 7,045 |
| Return on assets (ROA) | -1.3209% | 7,053 |
| Pretax return on assets | -1.3209% | 7,007 |
| Return on Equity (ROE) | -24.2816% | 7,190 |
| Retained earnings to average equity (ytd only) | -24.2816% | 7,180 |
| Net charge-offs to loans | 0.2113% | 3,882 |
| Credit loss provision to net charge-offs | 1,137.9310% | 299 |
| Earnings coverage of net charge-offs (x) | 2.9052% | 3,394 |
| Efficiency ratio | 83.9218% | 1,821 |
| Assets per employee ($millions) | 6.6620% | 854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0509% | 402 |
| Loan loss allowance to noncurrent loans | 72.4513% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 6.3426% | 855 |
| Noncurrent loans to loans | 5.5912% | 1,118 |
| Net loans and leases to total assets | 70.9774% | 2,011 |
| Net loans and leases to deposits | 79.0985% | 2,955 |
| Net loans and leases to core deposits | 86.5371% | 2,821 |
| Total domestic deposits to total assets | 89.7329% | 1,105 |
| Equity capital to assets | 5.2291% | 7,310 |
| Core capital (leverage) ratio | 5.0754% | 7,297 |
| Tier 1 risk-based capital ratio | 6.8814% | 7,317 |
| Total risk-based capital ratio | 8.1660% | 7,322 |
| Memoranda: | ||
| Average total assets | $148,836,670 | 3,866 |
| Average earning assets | $129,052,670 | 4,012 |
| Average equity | $8,096,670 | 5,581 |
| Average total loans | $109,794,330 | 3,462 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2456% | 2,067 |
| Cost of funding earning assets | 1.7938% | 387 |
| Net interest margin | 3.4518% | 5,214 |
| Noninterest income to average assets | -0.0960% | 7,387 |
| Noninterest expense to average assets | 2.3364% | 6,089 |
| Loan and lease loss provision to assets | 1.7603% | 331 |
| Net operating income to assets | -1.2776% | 7,127 |
| Return on assets (ROA) | -1.2776% | 7,133 |
| Pretax return on assets | -1.2776% | 7,090 |
| Return on Equity (ROE) | -23.0482% | 7,257 |
| Retained earnings to average equity (ytd only) | -23.0482% | 7,209 |
| Net charge-offs to loans | 0.3584% | 2,627 |
| Credit loss provision to net charge-offs | 666.6667% | 564 |
| Earnings coverage of net charge-offs (x) | 1.8283% | 3,389 |
| Efficiency ratio | 82.8761% | 2,100 |
| Assets per employee ($millions) | 6.0645% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4231% | 651 |
| Loan loss allowance to noncurrent loans | 72.6832% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 6.5848% | 837 |
| Noncurrent loans to loans | 4.7096% | 1,469 |
| Net loans and leases to total assets | 72.6722% | 1,575 |
| Net loans and leases to deposits | 81.1248% | 2,503 |
| Net loans and leases to core deposits | 92.7695% | 2,036 |
| Total domestic deposits to total assets | 89.5808% | 1,439 |
| Equity capital to assets | 5.5535% | 7,336 |
| Core capital (leverage) ratio | 5.2332% | 7,335 |
| Tier 1 risk-based capital ratio | 7.0579% | 7,361 |
| Total risk-based capital ratio | 8.3339% | 7,367 |
| Memoranda: | ||
| Average total assets | $149,972,500 | 3,878 |
| Average earning assets | $126,658,500 | 4,091 |
| Average equity | $8,313,000 | 5,513 |
| Average total loans | $110,481,500 | 3,474 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9963% | 4,578 |
| Cost of funding earning assets | 1.9940% | 622 |
| Net interest margin | 3.0024% | 6,733 |
| Noninterest income to average assets | -0.0790% | 7,376 |
| Noninterest expense to average assets | 2.1071% | 6,827 |
| Loan and lease loss provision to assets | 1.8701% | 732 |
| Net operating income to assets | -2.2364% | 7,123 |
| Return on assets (ROA) | -2.1670% | 7,116 |
| Pretax return on assets | -1.3846% | 6,814 |
| Return on Equity (ROE) | -31.8511% | 7,254 |
| Retained earnings to average equity (ytd only) | -31.8511% | 7,243 |
| Net charge-offs to loans | 2.8371% | 614 |
| Credit loss provision to net charge-offs | 89.4104% | 5,151 |
| Earnings coverage of net charge-offs (x) | 0.1989% | 5,909 |
| Efficiency ratio | 83.5113% | 1,983 |
| Assets per employee ($millions) | 6.1759% | 1,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8607% | 993 |
| Loan loss allowance to noncurrent loans | 54.2638% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 6.8907% | 799 |
| Noncurrent loans to loans | 5.2718% | 1,263 |
| Net loans and leases to total assets | 70.1134% | 2,513 |
| Net loans and leases to deposits | 77.7077% | 3,557 |
| Net loans and leases to core deposits | 90.2326% | 2,735 |
| Total domestic deposits to total assets | 90.2271% | 972 |
| Equity capital to assets | 5.5331% | 7,393 |
| Core capital (leverage) ratio | 5.2586% | 7,389 |
| Tier 1 risk-based capital ratio | 7.3266% | 7,398 |
| Total risk-based capital ratio | 8.5950% | 7,401 |
| Memoranda: | ||
| Average total assets | $167,053,000 | 3,591 |
| Average earning assets | $144,786,400 | 3,729 |
| Average equity | $11,365,400 | 4,772 |
| Average total loans | $123,154,600 | 3,251 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9141% | 5,202 |
| Cost of funding earning assets | 2.0028% | 749 |
| Net interest margin | 2.9113% | 6,992 |
| Noninterest income to average assets | 0.1159% | 6,971 |
| Noninterest expense to average assets | 2.0240% | 7,006 |
| Loan and lease loss provision to assets | 1.5055% | 883 |
| Net operating income to assets | -0.4913% | 6,583 |
| Return on assets (ROA) | -0.4332% | 6,586 |
| Pretax return on assets | -0.7551% | 6,707 |
| Return on Equity (ROE) | -6.1081% | 6,727 |
| Retained earnings to average equity (ytd only) | -6.1081% | 6,645 |
| Net charge-offs to loans | 2.4385% | 699 |
| Credit loss provision to net charge-offs | 83.3478% | 5,025 |
| Earnings coverage of net charge-offs (x) | 0.3651% | 5,664 |
| Efficiency ratio | 75.4232% | 3,053 |
| Assets per employee ($millions) | 7.1176% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6886% | 1,095 |
| Loan loss allowance to noncurrent loans | 37.8940% | 5,803 |
| Noncurrent assets plus other real estate owned to assets | 7.5361% | 693 |
| Noncurrent loans to loans | 7.0949% | 780 |
| Net loans and leases to total assets | 70.1762% | 2,695 |
| Net loans and leases to deposits | 79.4795% | 3,548 |
| Net loans and leases to core deposits | 92.2317% | 2,766 |
| Total domestic deposits to total assets | 88.2948% | 1,800 |
| Equity capital to assets | 7.1989% | 7,265 |
| Core capital (leverage) ratio | 6.0465% | 7,426 |
| Tier 1 risk-based capital ratio | 8.1745% | 7,467 |
| Total risk-based capital ratio | 9.4416% | 7,469 |
| Memoranda: | ||
| Average total assets | $170,217,000 | 3,576 |
| Average earning assets | $150,122,500 | 3,683 |
| Average equity | $12,071,000 | 4,656 |
| Average total loans | $126,083,000 | 3,247 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9162% | 5,319 |
| Cost of funding earning assets | 2.0219% | 851 |
| Net interest margin | 2.8943% | 7,017 |
| Noninterest income to average assets | 0.1520% | 6,801 |
| Noninterest expense to average assets | 1.9282% | 7,213 |
| Loan and lease loss provision to assets | 1.5976% | 819 |
| Net operating income to assets | -0.4277% | 6,593 |
| Return on assets (ROA) | -0.3898% | 6,597 |
| Pretax return on assets | -0.6857% | 6,714 |
| Return on Equity (ROE) | -5.5234% | 6,743 |
| Retained earnings to average equity (ytd only) | -5.5234% | 6,615 |
| Net charge-offs to loans | 0.9817% | 1,884 |
| Credit loss provision to net charge-offs | 217.8797% | 1,792 |
| Earnings coverage of net charge-offs (x) | 1.1630% | 4,633 |
| Efficiency ratio | 69.3367% | 4,310 |
| Assets per employee ($millions) | 6.9582% | 785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4652% | 557 |
| Loan loss allowance to noncurrent loans | 48.0353% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 7.3007% | 707 |
| Noncurrent loans to loans | 7.2138% | 761 |
| Net loans and leases to total assets | 71.7827% | 2,460 |
| Net loans and leases to deposits | 81.1518% | 3,408 |
| Net loans and leases to core deposits | 92.2357% | 2,950 |
| Total domestic deposits to total assets | 88.4549% | 1,755 |
| Equity capital to assets | 7.1971% | 7,276 |
| Core capital (leverage) ratio | 5.9945% | 7,481 |
| Tier 1 risk-based capital ratio | 7.8743% | 7,530 |
| Total risk-based capital ratio | 9.1498% | 7,537 |
| Memoranda: | ||
| Average total assets | $172,387,670 | 3,564 |
| Average earning assets | $156,584,670 | 3,584 |
| Average equity | $12,166,330 | 4,636 |
| Average total loans | $128,758,670 | 3,219 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0680% | 4,686 |
| Cost of funding earning assets | 2.0683% | 893 |
| Net interest margin | 2.9998% | 6,832 |
| Noninterest income to average assets | 0.1485% | 6,907 |
| Noninterest expense to average assets | 1.8300% | 7,437 |
| Loan and lease loss provision to assets | 0.9024% | 1,408 |
| Net operating income to assets | 0.1325% | 5,914 |
| Return on assets (ROA) | 0.1325% | 6,038 |
| Pretax return on assets | 0.1531% | 6,012 |
| Return on Equity (ROE) | 1.8954% | 5,804 |
| Retained earnings to average equity (ytd only) | 1.8954% | 4,985 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4204% | 5,599 |
| Assets per employee ($millions) | 7.6878% | 589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0319% | 797 |
| Loan loss allowance to noncurrent loans | 75.5832% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 3.7869% | 1,835 |
| Noncurrent loans to loans | 4.0114% | 1,954 |
| Net loans and leases to total assets | 71.5008% | 2,567 |
| Net loans and leases to deposits | 80.3461% | 3,594 |
| Net loans and leases to core deposits | 91.0254% | 3,225 |
| Total domestic deposits to total assets | 88.9910% | 1,520 |
| Equity capital to assets | 6.9812% | 7,381 |
| Core capital (leverage) ratio | 6.2012% | 7,546 |
| Tier 1 risk-based capital ratio | 7.9052% | 7,625 |
| Total risk-based capital ratio | 9.1757% | 7,632 |
| Memoranda: | ||
| Average total assets | $175,083,000 | 3,576 |
| Average earning assets | $159,746,000 | 3,570 |
| Average equity | $12,240,000 | 4,648 |
| Average total loans | $131,049,000 | 3,244 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4716% | 4,316 |
| Cost of funding earning assets | 2.5564% | 882 |
| Net interest margin | 2.9153% | 6,831 |
| Noninterest income to average assets | -0.1013% | 7,804 |
| Noninterest expense to average assets | 2.0623% | 7,262 |
| Loan and lease loss provision to assets | 2.6172% | 748 |
| Net operating income to assets | -1.2921% | 6,756 |
| Return on assets (ROA) | -1.1814% | 6,696 |
| Pretax return on assets | -1.9453% | 6,923 |
| Return on Equity (ROE) | -14.8782% | 6,928 |
| Retained earnings to average equity (ytd only) | -14.8782% | 6,879 |
| Net charge-offs to loans | 2.0051% | 1,225 |
| Credit loss provision to net charge-offs | 168.5414% | 2,548 |
| Earnings coverage of net charge-offs (x) | 0.3213% | 5,791 |
| Efficiency ratio | 80.5183% | 2,807 |
| Assets per employee ($millions) | 7.8794% | 544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7012% | 1,014 |
| Loan loss allowance to noncurrent loans | 94.0523% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 3.0736% | 2,260 |
| Noncurrent loans to loans | 2.8720% | 2,685 |
| Net loans and leases to total assets | 73.9326% | 2,290 |
| Net loans and leases to deposits | 82.6087% | 3,517 |
| Net loans and leases to core deposits | 106.7386% | 3,245 |
| Total domestic deposits to total assets | 89.4974% | 1,209 |
| Equity capital to assets | 7.0010% | 7,370 |
| Core capital (leverage) ratio | 6.3419% | 7,539 |
| Tier 1 risk-based capital ratio | 8.0577% | 7,644 |
| Total risk-based capital ratio | 9.3241% | 7,653 |
| Memoranda: | ||
| Average total assets | $171,746,400 | 3,579 |
| Average earning assets | $156,863,200 | 3,580 |
| Average equity | $13,637,400 | 4,351 |
| Average total loans | $133,012,600 | 3,211 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5199% | 4,319 |
| Cost of funding earning assets | 2.6284% | 963 |
| Net interest margin | 2.8916% | 6,877 |
| Noninterest income to average assets | 0.1268% | 7,254 |
| Noninterest expense to average assets | 2.1157% | 7,163 |
| Loan and lease loss provision to assets | 0.5120% | 3,338 |
| Net operating income to assets | 0.0989% | 5,467 |
| Return on assets (ROA) | 0.2607% | 5,041 |
| Pretax return on assets | 0.3719% | 4,870 |
| Return on Equity (ROE) | 3.1875% | 4,705 |
| Retained earnings to average equity (ytd only) | 3.1875% | 3,528 |
| Net charge-offs to loans | 0.1760% | 4,989 |
| Credit loss provision to net charge-offs | 373.8636% | 1,079 |
| Earnings coverage of net charge-offs (x) | 4.7671% | 3,015 |
| Efficiency ratio | 76.4193% | 3,431 |
| Assets per employee ($millions) | 7.5910% | 606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6336% | 2,866 |
| Loan loss allowance to noncurrent loans | 5,978.3784% | 67 |
| Noncurrent assets plus other real estate owned to assets | 1.1295% | 4,817 |
| Noncurrent loans to loans | 0.0273% | 7,453 |
| Net loans and leases to total assets | 76.2890% | 1,934 |
| Net loans and leases to deposits | 89.4245% | 2,691 |
| Net loans and leases to core deposits | 124.9845% | 1,817 |
| Total domestic deposits to total assets | 85.3111% | 3,069 |
| Equity capital to assets | 8.4213% | 6,359 |
| Core capital (leverage) ratio | 8.4409% | 5,594 |
| Tier 1 risk-based capital ratio | 10.2304% | 6,751 |
| Total risk-based capital ratio | 11.4846% | 6,685 |
| Memoranda: | ||
| Average total assets | $171,346,250 | 3,605 |
| Average earning assets | $156,543,750 | 3,609 |
| Average equity | $14,012,750 | 4,292 |
| Average total loans | $133,336,250 | 3,236 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5181% | 4,522 |
| Cost of funding earning assets | 2.7442% | 917 |
| Net interest margin | 2.7738% | 7,065 |
| Noninterest income to average assets | 0.2408% | 6,560 |
| Noninterest expense to average assets | 2.1590% | 7,155 |
| Loan and lease loss provision to assets | 0.5826% | 2,695 |
| Net operating income to assets | 0.0189% | 5,783 |
| Return on assets (ROA) | 0.2631% | 5,131 |
| Pretax return on assets | 0.3771% | 4,996 |
| Return on Equity (ROE) | 3.2505% | 4,802 |
| Retained earnings to average equity (ytd only) | 3.2505% | 3,510 |
| Net charge-offs to loans | 0.0633% | 5,613 |
| Credit loss provision to net charge-offs | 1,180.9524% | 425 |
| Earnings coverage of net charge-offs (x) | 12.3810% | 1,820 |
| Efficiency ratio | 77.9474% | 3,355 |
| Assets per employee ($millions) | 7.1497% | 722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6301% | 2,612 |
| Loan loss allowance to noncurrent loans | 1,866.6667% | 206 |
| Noncurrent assets plus other real estate owned to assets | 1.3334% | 4,284 |
| Noncurrent loans to loans | 0.0873% | 7,306 |
| Net loans and leases to total assets | 76.8073% | 1,986 |
| Net loans and leases to deposits | 88.1284% | 3,148 |
| Net loans and leases to core deposits | 122.3574% | 2,174 |
| Total domestic deposits to total assets | 87.1539% | 2,167 |
| Equity capital to assets | 8.0534% | 6,685 |
| Core capital (leverage) ratio | 8.0717% | 6,213 |
| Tier 1 risk-based capital ratio | 9.9963% | 6,935 |
| Total risk-based capital ratio | 11.2503% | 6,855 |
| Memoranda: | ||
| Average total assets | $170,263,670 | 3,634 |
| Average earning assets | $155,235,670 | 3,646 |
| Average equity | $13,782,670 | 4,360 |
| Average total loans | $132,645,670 | 3,294 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5122% | 4,847 |
| Cost of funding earning assets | 2.7716% | 1,051 |
| Net interest margin | 2.7406% | 7,120 |
| Noninterest income to average assets | 0.2241% | 6,676 |
| Noninterest expense to average assets | 2.0873% | 7,149 |
| Loan and lease loss provision to assets | 0.4953% | 2,496 |
| Net operating income to assets | 0.0905% | 6,010 |
| Return on assets (ROA) | 0.2807% | 5,539 |
| Pretax return on assets | 0.4363% | 5,288 |
| Return on Equity (ROE) | 3.4582% | 5,186 |
| Retained earnings to average equity (ytd only) | 3.4582% | 3,967 |
| Net charge-offs to loans | 0.1273% | 3,946 |
| Credit loss provision to net charge-offs | 500.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 6.4048% | 2,503 |
| Efficiency ratio | 76.6898% | 3,369 |
| Assets per employee ($millions) | 7.1688% | 719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4190% | 3,399 |
| Loan loss allowance to noncurrent loans | 63,266.6667% | 5 |
| Noncurrent assets plus other real estate owned to assets | 1.3955% | 3,858 |
| Noncurrent loans to loans | 0.0022% | 7,582 |
| Net loans and leases to total assets | 76.6412% | 2,132 |
| Net loans and leases to deposits | 87.3212% | 3,417 |
| Net loans and leases to core deposits | 123.2689% | 2,137 |
| Total domestic deposits to total assets | 87.7693% | 1,860 |
| Equity capital to assets | 8.1435% | 6,607 |
| Core capital (leverage) ratio | 8.3896% | 5,731 |
| Tier 1 risk-based capital ratio | 9.9198% | 7,014 |
| Total risk-based capital ratio | 11.1713% | 6,906 |
| Memoranda: | ||
| Average total assets | $169,599,000 | 3,656 |
| Average earning assets | $154,567,500 | 3,669 |
| Average equity | $13,764,500 | 4,387 |
| Average total loans | $131,978,500 | 3,321 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9684% | 5,709 |
| Cost of funding earning assets | 3.1286% | 1,422 |
| Net interest margin | 2.8398% | 7,270 |
| Noninterest income to average assets | 0.2671% | 6,549 |
| Noninterest expense to average assets | 2.4134% | 6,352 |
| Loan and lease loss provision to assets | 0.4532% | 3,022 |
| Net operating income to assets | 0.0388% | 6,262 |
| Return on assets (ROA) | 0.0529% | 6,078 |
| Pretax return on assets | 0.0345% | 6,087 |
| Return on Equity (ROE) | 0.5789% | 6,046 |
| Retained earnings to average equity (ytd only) | 0.5789% | 4,894 |
| Net charge-offs to loans | 0.1281% | 4,954 |
| Credit loss provision to net charge-offs | 456.0284% | 960 |
| Earnings coverage of net charge-offs (x) | 4.7660% | 3,869 |
| Efficiency ratio | 83.5938% | 2,106 |
| Assets per employee ($millions) | 6.9645% | 719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3288% | 3,601 |
| Loan loss allowance to noncurrent loans | 77.7179% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 2.1951% | 2,227 |
| Noncurrent loans to loans | 1.7097% | 3,205 |
| Net loans and leases to total assets | 76.8587% | 2,411 |
| Net loans and leases to deposits | 88.8688% | 3,655 |
| Net loans and leases to core deposits | 130.1670% | 1,840 |
| Total domestic deposits to total assets | 86.4855% | 2,174 |
| Equity capital to assets | 8.0875% | 6,718 |
| Core capital (leverage) ratio | 8.5486% | 5,483 |
| Tier 1 risk-based capital ratio | 9.7299% | 7,047 |
| Total risk-based capital ratio | 10.9788% | 6,956 |
| Memoranda: | ||
| Average total assets | $141,874,800 | 4,050 |
| Average earning assets | $130,888,600 | 4,027 |
| Average equity | $12,956,600 | 4,591 |
| Average total loans | $110,038,000 | 3,676 |