Home > Century Bank of Georgia > Performance and Condition Ratios
Century Bank of Georgia, 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 | 4.1180% | 3,768 |
| Cost of funding earning assets | 0.7999% | 3,731 |
| Net interest margin | 3.3181% | 2,584 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 1.8125% | 3,986 |
| Loan and lease loss provision to assets | -0.1800% | 4,554 |
| Net operating income to assets | 1.4762% | 1,066 |
| Return on assets (ROA) | 1.4762% | 1,040 |
| Pretax return on assets | 1.9070% | 764 |
| Return on Equity (ROE) | 24.2100% | 346 |
| Retained earnings to average equity (ytd only) | 18.4704% | 171 |
| Net charge-offs to loans | -0.0049% | 3,827 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 51.2671% | 3,884 |
| Assets per employee ($millions) | 10.8154% | 560 |
| Cash dividends to net income (ytd only)* | 23.6957% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2339% | 2,094 |
| 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 | 41.3400% | 3,986 |
| Net loans and leases to deposits | 44.7593% | 4,081 |
| Net loans and leases to core deposits | 46.3571% | 4,150 |
| Total domestic deposits to total assets | 92.3700% | 247 |
| Equity capital to assets | 7.1587% | 3,872 |
| Core capital (leverage) ratio | 10.6309% | 2,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8559% | 489 |
| Memoranda: | ||
| Average total assets | $325,908,000 | 2,291 |
| Average earning assets | $302,163,200 | 2,293 |
| Average equity | $19,875,000 | 2,867 |
| Average total loans | $123,205,800 | 2,921 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0639% | 3,722 |
| Cost of funding earning assets | 0.6738% | 3,820 |
| Net interest margin | 3.3902% | 2,475 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 1.8271% | 3,932 |
| Loan and lease loss provision to assets | -0.2400% | 4,595 |
| Net operating income to assets | 1.5596% | 1,004 |
| Return on assets (ROA) | 1.5596% | 1,001 |
| Pretax return on assets | 2.0179% | 739 |
| Return on Equity (ROE) | 26.6800% | 320 |
| Retained earnings to average equity (ytd only) | 20.7512% | 235 |
| Net charge-offs to loans | -0.0066% | 3,817 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.7258% | 3,858 |
| Assets per employee ($millions) | 10.3761% | 600 |
| Cash dividends to net income (ytd only)* | 22.2193% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2898% | 1,913 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 39.8300% | 4,061 |
| Net loans and leases to deposits | 42.8234% | 4,137 |
| Net loans and leases to core deposits | 43.9321% | 4,172 |
| Total domestic deposits to total assets | 93.0000% | 301 |
| Equity capital to assets | 6.3482% | 3,877 |
| Core capital (leverage) ratio | 10.4031% | 2,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9603% | 494 |
| Memoranda: | ||
| Average total assets | $328,973,000 | 2,275 |
| Average earning assets | $305,149,000 | 2,272 |
| Average equity | $19,230,500 | 2,915 |
| Average total loans | $121,184,000 | 2,941 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0063% | 3,676 |
| Cost of funding earning assets | 0.5494% | 3,885 |
| Net interest margin | 3.4569% | 2,369 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 1.7947% | 4,009 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4352% | 1,246 |
| Return on assets (ROA) | 1.4352% | 1,237 |
| Pretax return on assets | 1.8521% | 933 |
| Return on Equity (ROE) | 25.2200% | 373 |
| Retained earnings to average equity (ytd only) | 19.2404% | 275 |
| Net charge-offs to loans | -0.0100% | 3,909 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 49.2139% | 3,985 |
| Assets per employee ($millions) | 10.6474% | 555 |
| Cash dividends to net income (ytd only)* | 23.7203% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7891% | 626 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 3,877 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 38.1500% | 4,106 |
| Net loans and leases to deposits | 40.9088% | 4,190 |
| Net loans and leases to core deposits | 41.7717% | 4,220 |
| Total domestic deposits to total assets | 93.2600% | 216 |
| Equity capital to assets | 6.2140% | 4,095 |
| Core capital (leverage) ratio | 9.6058% | 3,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3357% | 537 |
| Memoranda: | ||
| Average total assets | $334,869,333 | 2,255 |
| Average earning assets | $311,258,333 | 2,252 |
| Average equity | $19,053,667 | 2,943 |
| Average total loans | $119,713,333 | 2,952 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8101% | 3,838 |
| Cost of funding earning assets | 0.4310% | 3,876 |
| Net interest margin | 3.3791% | 2,688 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 1.7467% | 4,124 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4034% | 1,398 |
| Return on assets (ROA) | 1.4034% | 1,376 |
| Pretax return on assets | 1.8144% | 1,047 |
| Return on Equity (ROE) | 25.7700% | 374 |
| Retained earnings to average equity (ytd only) | 19.6612% | 397 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.0492% | 4,021 |
| Assets per employee ($millions) | 10.8668% | 530 |
| Cash dividends to net income (ytd only)* | 23.7105% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8991% | 530 |
| Loan loss allowance to noncurrent loans | 75,333.3333% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 3,888 |
| Noncurrent loans to loans | 0.0025% | 3,844 |
| Net loans and leases to total assets | 34.6500% | 4,242 |
| Net loans and leases to deposits | 37.0043% | 4,294 |
| Net loans and leases to core deposits | 37.5332% | 4,328 |
| Total domestic deposits to total assets | 93.6500% | 209 |
| Equity capital to assets | 5.7357% | 4,281 |
| Core capital (leverage) ratio | 8.9584% | 3,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4851% | 537 |
| Memoranda: | ||
| Average total assets | $342,592,500 | 2,265 |
| Average earning assets | $319,260,000 | 2,258 |
| Average equity | $18,656,000 | 3,008 |
| Average total loans | $117,527,000 | 3,007 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0915% | 4,002 |
| Cost of funding earning assets | 0.1872% | 3,856 |
| Net interest margin | 2.9043% | 3,667 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 1.7000% | 4,181 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1427% | 1,999 |
| Return on assets (ROA) | 1.1427% | 1,943 |
| Pretax return on assets | 1.4614% | 1,568 |
| Return on Equity (ROE) | 20.3600% | 444 |
| Retained earnings to average equity (ytd only) | 14.7451% | 311 |
| Net charge-offs to loans | 0.0422% | 1,276 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 103.8542% | 960 |
| Efficiency ratio | 53.7741% | 3,812 |
| Assets per employee ($millions) | 11.2360% | 474 |
| Cash dividends to net income (ytd only)* | 27.5782% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1189% | 351 |
| Loan loss allowance to noncurrent loans | 40,983.3333% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 3,901 |
| Noncurrent loans to loans | 0.0052% | 3,837 |
| Net loans and leases to total assets | 32.6100% | 4,322 |
| Net loans and leases to deposits | 34.5651% | 4,380 |
| Net loans and leases to core deposits | 35.0581% | 4,394 |
| Total domestic deposits to total assets | 94.3500% | 205 |
| Equity capital to assets | 5.1649% | 4,322 |
| Core capital (leverage) ratio | 8.5326% | 4,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1595% | 616 |
| Memoranda: | ||
| Average total assets | $341,111,000 | 2,257 |
| Average earning assets | $317,389,600 | 2,252 |
| Average equity | $19,145,400 | 3,025 |
| Average total loans | $113,762,400 | 2,991 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9083% | 4,048 |
| Cost of funding earning assets | 0.1362% | 3,976 |
| Net interest margin | 2.7721% | 3,796 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 1.6535% | 4,237 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1042% | 2,070 |
| Return on assets (ROA) | 1.1042% | 2,040 |
| Pretax return on assets | 1.4083% | 1,688 |
| Return on Equity (ROE) | 19.2800% | 504 |
| Retained earnings to average equity (ytd only) | 13.8583% | 483 |
| Net charge-offs to loans | -0.0012% | 3,198 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.0041% | 3,822 |
| Assets per employee ($millions) | 11.3457% | 463 |
| Cash dividends to net income (ytd only)* | 28.1139% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2530% | 318 |
| Loan loss allowance to noncurrent loans | 4,478.5714% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 3,764 |
| Noncurrent loans to loans | 0.0503% | 3,515 |
| Net loans and leases to total assets | 31.9700% | 4,375 |
| Net loans and leases to deposits | 33.6715% | 4,425 |
| Net loans and leases to core deposits | 34.0974% | 4,440 |
| Total domestic deposits to total assets | 94.9400% | 235 |
| Equity capital to assets | 4.6226% | 4,372 |
| Core capital (leverage) ratio | 8.2699% | 4,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4377% | 689 |
| Memoranda: | ||
| Average total assets | $339,310,000 | 2,274 |
| Average earning assets | $316,097,000 | 2,271 |
| Average equity | $19,434,250 | 3,045 |
| Average total loans | $113,190,000 | 3,007 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7379% | 4,089 |
| Cost of funding earning assets | 0.1163% | 4,009 |
| Net interest margin | 2.6216% | 3,871 |
| Noninterest income to average assets | 0.4396% | 2,509 |
| Noninterest expense to average assets | 1.6504% | 4,212 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9683% | 2,276 |
| Return on assets (ROA) | 0.9683% | 2,251 |
| Pretax return on assets | 1.2503% | 1,900 |
| Return on Equity (ROE) | 15.8799% | 723 |
| Retained earnings to average equity (ytd only) | 10.9930% | 785 |
| Net charge-offs to loans | -0.0018% | 3,111 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8959% | 3,690 |
| Assets per employee ($millions) | 10.9861% | 496 |
| Cash dividends to net income (ytd only)* | 30.7739% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3125% | 323 |
| Loan loss allowance to noncurrent loans | 15,675.0000% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 3,975 |
| Noncurrent loans to loans | 0.0148% | 3,857 |
| Net loans and leases to total assets | 31.1082% | 4,421 |
| Net loans and leases to deposits | 32.8352% | 4,476 |
| Net loans and leases to core deposits | 33.3138% | 4,497 |
| Total domestic deposits to total assets | 94.7406% | 169 |
| Equity capital to assets | 4.8269% | 4,507 |
| Core capital (leverage) ratio | 8.0949% | 4,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1442% | 617 |
| Memoranda: | ||
| Average total assets | $338,956,333 | 2,294 |
| Average earning assets | $318,203,000 | 2,283 |
| Average equity | $20,667,667 | 3,001 |
| Average total loans | $113,813,667 | 3,021 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5675% | 4,178 |
| Cost of funding earning assets | 0.1164% | 3,935 |
| Net interest margin | 2.4511% | 3,989 |
| Noninterest income to average assets | 0.4140% | 2,593 |
| Noninterest expense to average assets | 1.6525% | 4,208 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8339% | 2,540 |
| Return on assets (ROA) | 0.8339% | 2,536 |
| Pretax return on assets | 1.0776% | 2,218 |
| Return on Equity (ROE) | 12.3782% | 1,201 |
| Retained earnings to average equity (ytd only) | 7.9010% | 1,614 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5286% | 3,430 |
| Assets per employee ($millions) | 10.9732% | 514 |
| Cash dividends to net income (ytd only)* | 36.1702% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1993% | 440 |
| Loan loss allowance to noncurrent loans | 13,194.7368% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 4,002 |
| Noncurrent loans to loans | 0.0167% | 3,884 |
| Net loans and leases to total assets | 32.7725% | 4,345 |
| Net loans and leases to deposits | 34.9629% | 4,422 |
| Net loans and leases to core deposits | 35.5763% | 4,440 |
| Total domestic deposits to total assets | 93.7352% | 139 |
| Equity capital to assets | 5.8062% | 4,616 |
| Core capital (leverage) ratio | 8.0729% | 4,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1857% | 626 |
| Memoranda: | ||
| Average total assets | $338,150,000 | 2,308 |
| Average earning assets | $319,528,000 | 2,288 |
| Average equity | $22,782,000 | 2,925 |
| Average total loans | $116,494,000 | 2,978 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1552% | 3,572 |
| Cost of funding earning assets | 0.1620% | 3,848 |
| Net interest margin | 2.9932% | 3,210 |
| Noninterest income to average assets | 0.4518% | 2,810 |
| Noninterest expense to average assets | 1.8485% | 4,050 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0728% | 2,399 |
| Return on assets (ROA) | 1.0728% | 2,475 |
| Pretax return on assets | 1.4069% | 2,031 |
| Return on Equity (ROE) | 13.3581% | 1,358 |
| Retained earnings to average equity (ytd only) | 9.9088% | 939 |
| Net charge-offs to loans | -0.0563% | 4,376 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7825% | 3,604 |
| Assets per employee ($millions) | 10.5041% | 580 |
| Cash dividends to net income (ytd only)* | 25.8223% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1067% | 515 |
| Loan loss allowance to noncurrent loans | 11,395.4545% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 4,071 |
| Noncurrent loans to loans | 0.0185% | 3,943 |
| Net loans and leases to total assets | 34.6567% | 4,348 |
| Net loans and leases to deposits | 37.7375% | 4,416 |
| Net loans and leases to core deposits | 38.4567% | 4,443 |
| Total domestic deposits to total assets | 91.8362% | 228 |
| Equity capital to assets | 7.6794% | 4,510 |
| Core capital (leverage) ratio | 8.1037% | 4,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5576% | 591 |
| Memoranda: | ||
| Average total assets | $303,213,800 | 2,422 |
| Average earning assets | $284,006,800 | 2,409 |
| Average equity | $24,352,200 | 2,892 |
| Average total loans | $127,851,600 | 2,881 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1488% | 3,704 |
| Cost of funding earning assets | 0.1678% | 3,943 |
| Net interest margin | 2.9810% | 3,353 |
| Noninterest income to average assets | 0.5361% | 2,471 |
| Noninterest expense to average assets | 1.8577% | 4,037 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1060% | 2,535 |
| Return on assets (ROA) | 1.1060% | 2,591 |
| Pretax return on assets | 1.4568% | 2,128 |
| Return on Equity (ROE) | 13.6015% | 1,519 |
| Retained earnings to average equity (ytd only) | 10.0997% | 1,285 |
| Net charge-offs to loans | -0.0738% | 4,503 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0480% | 3,523 |
| Assets per employee ($millions) | 9.6936% | 713 |
| Cash dividends to net income (ytd only)* | 25.7458% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0331% | 596 |
| Loan loss allowance to noncurrent loans | 10,900.0000% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 4,200 |
| Noncurrent loans to loans | 0.0187% | 4,060 |
| Net loans and leases to total assets | 38.9447% | 4,256 |
| Net loans and leases to deposits | 42.5485% | 4,363 |
| Net loans and leases to core deposits | 43.3867% | 4,401 |
| Total domestic deposits to total assets | 91.5302% | 231 |
| Equity capital to assets | 7.9717% | 4,536 |
| Core capital (leverage) ratio | 8.0392% | 4,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2308% | 777 |
| Memoranda: | ||
| Average total assets | $294,984,500 | 2,476 |
| Average earning assets | $274,932,750 | 2,483 |
| Average equity | $23,987,000 | 2,944 |
| Average total loans | $130,064,750 | 2,890 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1997% | 3,683 |
| Cost of funding earning assets | 0.1712% | 4,033 |
| Net interest margin | 3.0285% | 3,246 |
| Noninterest income to average assets | 0.5153% | 2,562 |
| Noninterest expense to average assets | 1.8902% | 3,990 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0948% | 2,574 |
| Return on assets (ROA) | 1.0948% | 2,639 |
| Pretax return on assets | 1.4446% | 2,193 |
| Return on Equity (ROE) | 13.3698% | 1,602 |
| Retained earnings to average equity (ytd only) | 9.8315% | 1,452 |
| Net charge-offs to loans | -0.1073% | 4,645 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6818% | 3,450 |
| Assets per employee ($millions) | 9.9437% | 620 |
| Cash dividends to net income (ytd only)* | 26.4650% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9120% | 720 |
| Loan loss allowance to noncurrent loans | 9,638.4615% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 4,256 |
| Noncurrent loans to loans | 0.0198% | 4,122 |
| Net loans and leases to total assets | 41.7054% | 4,198 |
| Net loans and leases to deposits | 45.5007% | 4,327 |
| Net loans and leases to core deposits | 46.4047% | 4,383 |
| Total domestic deposits to total assets | 91.6589% | 204 |
| Equity capital to assets | 7.8808% | 4,585 |
| Core capital (leverage) ratio | 8.0318% | 4,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9411% | 815 |
| Memoranda: | ||
| Average total assets | $289,914,000 | 2,496 |
| Average earning assets | $269,904,000 | 2,504 |
| Average equity | $23,740,000 | 2,956 |
| Average total loans | $132,315,667 | 2,869 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3959% | 3,210 |
| Cost of funding earning assets | 0.1736% | 4,133 |
| Net interest margin | 3.2223% | 2,627 |
| Noninterest income to average assets | 0.5699% | 2,326 |
| Noninterest expense to average assets | 1.9691% | 3,809 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2025% | 2,134 |
| Return on assets (ROA) | 1.2025% | 2,215 |
| Pretax return on assets | 1.5901% | 1,755 |
| Return on Equity (ROE) | 14.3883% | 1,350 |
| Retained earnings to average equity (ytd only) | 10.8083% | 1,446 |
| Net charge-offs to loans | -0.1865% | 4,774 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3243% | 3,631 |
| Assets per employee ($millions) | 9.5548% | 690 |
| Cash dividends to net income (ytd only)* | 24.8815% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8321% | 824 |
| Loan loss allowance to noncurrent loans | 1,687.1622% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 4,019 |
| Noncurrent loans to loans | 0.1086% | 3,766 |
| Net loans and leases to total assets | 45.1691% | 4,027 |
| Net loans and leases to deposits | 49.3570% | 4,204 |
| Net loans and leases to core deposits | 50.4305% | 4,275 |
| Total domestic deposits to total assets | 91.5152% | 239 |
| Equity capital to assets | 7.9028% | 4,543 |
| Core capital (leverage) ratio | 8.4085% | 4,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0045% | 788 |
| Memoranda: | ||
| Average total assets | $280,743,500 | 2,538 |
| Average earning assets | $260,435,000 | 2,546 |
| Average equity | $23,463,500 | 2,964 |
| Average total loans | $132,941,000 | 2,867 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1559% | 2,262 |
| Cost of funding earning assets | 0.2764% | 4,264 |
| Net interest margin | 3.8795% | 1,278 |
| Noninterest income to average assets | 0.5756% | 2,317 |
| Noninterest expense to average assets | 2.2712% | 3,487 |
| Loan and lease loss provision to assets | 0.3595% | 943 |
| Net operating income to assets | 1.1610% | 1,681 |
| Return on assets (ROA) | 1.2726% | 1,430 |
| Pretax return on assets | 1.6596% | 931 |
| Return on Equity (ROE) | 13.4859% | 926 |
| Retained earnings to average equity (ytd only) | 9.8646% | 614 |
| Net charge-offs to loans | 0.0135% | 2,857 |
| Credit loss provision to net charge-offs | 5,000.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 261.1765% | 383 |
| Efficiency ratio | 54.7401% | 4,121 |
| Assets per employee ($millions) | 8.5576% | 875 |
| Cash dividends to net income (ytd only)* | 26.8528% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8789% | 756 |
| Loan loss allowance to noncurrent loans | 1,612.5828% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0573% | 4,052 |
| Noncurrent loans to loans | 0.1165% | 3,818 |
| Net loans and leases to total assets | 47.9326% | 3,980 |
| Net loans and leases to deposits | 52.9351% | 4,167 |
| Net loans and leases to core deposits | 54.0343% | 4,255 |
| Total domestic deposits to total assets | 90.5499% | 354 |
| Equity capital to assets | 8.8655% | 4,176 |
| Core capital (leverage) ratio | 8.5432% | 4,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2032% | 748 |
| Memoranda: | ||
| Average total assets | $236,436,200 | 2,681 |
| Average earning assets | $217,786,800 | 2,686 |
| Average equity | $22,312,200 | 2,987 |
| Average total loans | $125,478,400 | 2,918 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5100% | 1,546 |
| Cost of funding earning assets | 0.3031% | 4,305 |
| Net interest margin | 4.2069% | 717 |
| Noninterest income to average assets | 0.5654% | 2,325 |
| Noninterest expense to average assets | 2.3935% | 3,153 |
| Loan and lease loss provision to assets | 0.4943% | 600 |
| Net operating income to assets | 1.1675% | 1,754 |
| Return on assets (ROA) | 1.3209% | 1,396 |
| Pretax return on assets | 1.7386% | 892 |
| Return on Equity (ROE) | 13.7567% | 929 |
| Retained earnings to average equity (ytd only) | 10.1949% | 720 |
| Net charge-offs to loans | 0.0150% | 2,586 |
| Credit loss provision to net charge-offs | 6,071.4286% | 188 |
| Earnings coverage of net charge-offs (x) | 250.3571% | 408 |
| Efficiency ratio | 54.0026% | 4,147 |
| Assets per employee ($millions) | 7.4609% | 1,236 |
| Cash dividends to net income (ytd only)* | 25.8917% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7160% | 871 |
| Loan loss allowance to noncurrent loans | 1,385.2273% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 4,090 |
| Noncurrent loans to loans | 0.1239% | 3,886 |
| Net loans and leases to total assets | 55.0481% | 3,704 |
| Net loans and leases to deposits | 60.8673% | 4,004 |
| Net loans and leases to core deposits | 62.1902% | 4,091 |
| Total domestic deposits to total assets | 90.4395% | 296 |
| Equity capital to assets | 9.0843% | 4,046 |
| Core capital (leverage) ratio | 8.8478% | 3,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0548% | 778 |
| Memoranda: | ||
| Average total assets | $229,223,500 | 2,706 |
| Average earning assets | $210,696,000 | 2,723 |
| Average equity | $22,010,500 | 3,000 |
| Average total loans | $124,449,500 | 2,937 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9944% | 832 |
| Cost of funding earning assets | 0.3352% | 4,337 |
| Net interest margin | 4.6592% | 367 |
| Noninterest income to average assets | 0.5464% | 2,365 |
| Noninterest expense to average assets | 2.5240% | 2,901 |
| Loan and lease loss provision to assets | 0.7690% | 324 |
| Net operating income to assets | 1.1617% | 1,758 |
| Return on assets (ROA) | 1.4004% | 1,205 |
| Pretax return on assets | 1.8437% | 752 |
| Return on Equity (ROE) | 14.2897% | 829 |
| Retained earnings to average equity (ytd only) | 10.8926% | 621 |
| Net charge-offs to loans | 0.0405% | 1,934 |
| Credit loss provision to net charge-offs | 3,541.6667% | 310 |
| Earnings coverage of net charge-offs (x) | 106.4167% | 673 |
| Efficiency ratio | 52.2081% | 4,342 |
| Assets per employee ($millions) | 7.3323% | 1,261 |
| Cash dividends to net income (ytd only)* | 23.7726% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7469% | 737 |
| Loan loss allowance to noncurrent loans | 150.8075% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.6458% | 1,886 |
| Noncurrent loans to loans | 1.1583% | 1,361 |
| Net loans and leases to total assets | 54.7798% | 3,806 |
| Net loans and leases to deposits | 60.6869% | 4,084 |
| Net loans and leases to core deposits | 62.1165% | 4,174 |
| Total domestic deposits to total assets | 90.2663% | 328 |
| Equity capital to assets | 9.0322% | 4,063 |
| Core capital (leverage) ratio | 9.1350% | 3,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9211% | 780 |
| Memoranda: | ||
| Average total assets | $221,075,000 | 2,747 |
| Average earning assets | $203,469,667 | 2,753 |
| Average equity | $21,666,000 | 3,016 |
| Average total loans | $118,573,333 | 2,999 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3176% | 2,868 |
| Cost of funding earning assets | 0.4210% | 4,274 |
| Net interest margin | 3.8966% | 1,682 |
| Noninterest income to average assets | 0.6107% | 1,995 |
| Noninterest expense to average assets | 2.5782% | 3,050 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2109% | 1,480 |
| Return on assets (ROA) | 1.6583% | 607 |
| Pretax return on assets | 2.1762% | 311 |
| Return on Equity (ROE) | 16.1578% | 404 |
| Retained earnings to average equity (ytd only) | 12.6927% | 352 |
| Net charge-offs to loans | -0.0517% | 4,645 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5598% | 3,545 |
| Assets per employee ($millions) | 6.2516% | 1,487 |
| Cash dividends to net income (ytd only)* | 21.4452% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4589% | 1,492 |
| Loan loss allowance to noncurrent loans | 758.6854% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.2653% | 3,398 |
| Noncurrent loans to loans | 0.1923% | 3,790 |
| Net loans and leases to total assets | 51.3519% | 4,157 |
| Net loans and leases to deposits | 57.5161% | 4,300 |
| Net loans and leases to core deposits | 59.3742% | 4,386 |
| Total domestic deposits to total assets | 89.2827% | 552 |
| Equity capital to assets | 10.1899% | 3,607 |
| Core capital (leverage) ratio | 10.1790% | 3,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3105% | 942 |
| Memoranda: | ||
| Average total assets | $206,963,500 | 2,816 |
| Average earning assets | $190,013,000 | 2,830 |
| Average equity | $21,240,500 | 3,052 |
| Average total loans | $108,363,500 | 3,099 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6430% | 2,492 |
| Cost of funding earning assets | 0.4831% | 4,160 |
| Net interest margin | 4.1599% | 1,395 |
| Noninterest income to average assets | 0.7365% | 1,674 |
| Noninterest expense to average assets | 2.7167% | 2,841 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4401% | 1,219 |
| Return on assets (ROA) | 1.4553% | 1,230 |
| Pretax return on assets | 1.8416% | 852 |
| Return on Equity (ROE) | 13.3768% | 1,050 |
| Retained earnings to average equity (ytd only) | -6.6767% | 5,022 |
| Net charge-offs to loans | -0.0317% | 4,724 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8524% | 3,720 |
| Assets per employee ($millions) | 5.9228% | 1,686 |
| Cash dividends to net income (ytd only)* | 149.9128% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5119% | 1,189 |
| Loan loss allowance to noncurrent loans | 752.1127% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 3,303 |
| Noncurrent loans to loans | 0.2010% | 3,736 |
| Net loans and leases to total assets | 51.8235% | 4,243 |
| Net loans and leases to deposits | 58.1131% | 4,368 |
| Net loans and leases to core deposits | 59.9289% | 4,446 |
| Total domestic deposits to total assets | 89.1769% | 602 |
| Equity capital to assets | 10.3400% | 3,594 |
| Core capital (leverage) ratio | 9.9827% | 3,539 |
| Tier 1 risk-based capital ratio | 17.3272% | 1,954 |
| Total risk-based capital ratio | 18.5778% | 1,903 |
| Memoranda: | ||
| Average total assets | $197,005,600 | 2,865 |
| Average earning assets | $180,076,400 | 2,887 |
| Average equity | $21,432,600 | 3,010 |
| Average total loans | $100,979,000 | 3,213 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6002% | 2,720 |
| Cost of funding earning assets | 0.4738% | 4,250 |
| Net interest margin | 4.1264% | 1,558 |
| Noninterest income to average assets | 0.7200% | 1,702 |
| Noninterest expense to average assets | 2.7093% | 2,842 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3951% | 1,485 |
| Return on assets (ROA) | 1.4156% | 1,479 |
| Pretax return on assets | 1.8062% | 1,077 |
| Return on Equity (ROE) | 12.8479% | 1,340 |
| Retained earnings to average equity (ytd only) | -12.5206% | 5,166 |
| Net charge-offs to loans | -0.0348% | 4,742 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3456% | 3,574 |
| Assets per employee ($millions) | 5.6726% | 1,872 |
| Cash dividends to net income (ytd only)* | 197.4521% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5540% | 1,108 |
| Loan loss allowance to noncurrent loans | 5,503.4483% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.1914% | 3,799 |
| Noncurrent loans to loans | 0.0282% | 4,545 |
| Net loans and leases to total assets | 50.9242% | 4,377 |
| Net loans and leases to deposits | 57.0518% | 4,513 |
| Net loans and leases to core deposits | 58.8562% | 4,569 |
| Total domestic deposits to total assets | 89.2596% | 533 |
| Equity capital to assets | 10.2513% | 3,776 |
| Core capital (leverage) ratio | 9.9362% | 3,696 |
| Tier 1 risk-based capital ratio | 17.5104% | 1,942 |
| Total risk-based capital ratio | 18.7623% | 1,908 |
| Memoranda: | ||
| Average total assets | $195,913,500 | 2,897 |
| Average earning assets | $178,973,500 | 2,919 |
| Average equity | $21,585,250 | 3,017 |
| Average total loans | $99,733,500 | 3,272 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5679% | 2,777 |
| Cost of funding earning assets | 0.4588% | 4,292 |
| Net interest margin | 4.1091% | 1,580 |
| Noninterest income to average assets | 0.7035% | 1,699 |
| Noninterest expense to average assets | 2.7205% | 2,844 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3502% | 1,574 |
| Return on assets (ROA) | 1.3608% | 1,604 |
| Pretax return on assets | 1.7340% | 1,207 |
| Return on Equity (ROE) | 12.0658% | 1,553 |
| Retained earnings to average equity (ytd only) | 5.8647% | 2,343 |
| Net charge-offs to loans | -0.0263% | 4,641 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2561% | 3,549 |
| Assets per employee ($millions) | 5.8118% | 1,685 |
| Cash dividends to net income (ytd only)* | 51.3941% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6209% | 985 |
| Loan loss allowance to noncurrent loans | 4,946.8750% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.1938% | 3,804 |
| Noncurrent loans to loans | 0.0328% | 4,555 |
| Net loans and leases to total assets | 48.6225% | 4,542 |
| Net loans and leases to deposits | 55.2268% | 4,625 |
| Net loans and leases to core deposits | 56.9196% | 4,681 |
| Total domestic deposits to total assets | 88.0415% | 1,088 |
| Equity capital to assets | 11.5845% | 2,539 |
| Core capital (leverage) ratio | 11.4348% | 2,223 |
| Tier 1 risk-based capital ratio | 20.2984% | 1,292 |
| Total risk-based capital ratio | 21.5505% | 1,260 |
| Memoranda: | ||
| Average total assets | $195,038,000 | 2,912 |
| Average earning assets | $177,411,330 | 2,945 |
| Average equity | $21,996,000 | 2,974 |
| Average total loans | $98,744,330 | 3,304 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5152% | 2,812 |
| Cost of funding earning assets | 0.4263% | 4,374 |
| Net interest margin | 4.0889% | 1,578 |
| Noninterest income to average assets | 0.6441% | 1,839 |
| Noninterest expense to average assets | 2.7622% | 2,696 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2861% | 1,752 |
| Return on assets (ROA) | 1.2861% | 1,790 |
| Pretax return on assets | 1.6247% | 1,407 |
| Return on Equity (ROE) | 11.5646% | 1,706 |
| Retained earnings to average equity (ytd only) | 0.5940% | 4,412 |
| Net charge-offs to loans | -0.0242% | 4,566 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9647% | 3,386 |
| Assets per employee ($millions) | 5.9011% | 1,621 |
| Cash dividends to net income (ytd only)* | 94.8636% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5931% | 1,074 |
| Loan loss allowance to noncurrent loans | 4,775.7576% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.1972% | 3,822 |
| Noncurrent loans to loans | 0.0334% | 4,622 |
| Net loans and leases to total assets | 49.9918% | 4,471 |
| Net loans and leases to deposits | 56.5290% | 4,571 |
| Net loans and leases to core deposits | 58.3911% | 4,628 |
| Total domestic deposits to total assets | 88.4356% | 1,117 |
| Equity capital to assets | 11.2172% | 2,631 |
| Core capital (leverage) ratio | 11.4345% | 2,185 |
| Tier 1 risk-based capital ratio | 19.3756% | 1,470 |
| Total risk-based capital ratio | 20.6274% | 1,440 |
| Memoranda: | ||
| Average total assets | $193,757,000 | 2,962 |
| Average earning assets | $177,357,000 | 2,980 |
| Average equity | $21,548,500 | 3,021 |
| Average total loans | $99,286,000 | 3,334 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4086% | 2,735 |
| Cost of funding earning assets | 0.3532% | 4,264 |
| Net interest margin | 4.0554% | 1,803 |
| Noninterest income to average assets | 0.4339% | 3,212 |
| Noninterest expense to average assets | 2.9038% | 2,342 |
| Loan and lease loss provision to assets | -0.5751% | 5,391 |
| Net operating income to assets | 1.3536% | 1,603 |
| Return on assets (ROA) | 1.3536% | 1,590 |
| Pretax return on assets | 1.8147% | 884 |
| Return on Equity (ROE) | 12.9081% | 1,378 |
| Retained earnings to average equity (ytd only) | 9.5278% | 731 |
| Net charge-offs to loans | -1.0177% | 5,361 |
| Credit loss provision to net charge-offs | 110.6640% | 2,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0820% | 2,169 |
| Assets per employee ($millions) | 5.6699% | 1,800 |
| Cash dividends to net income (ytd only)* | 26.1877% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5756% | 1,080 |
| Loan loss allowance to noncurrent loans | 3,829.2683% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.2033% | 3,811 |
| Noncurrent loans to loans | 0.0411% | 4,568 |
| Net loans and leases to total assets | 50.8741% | 4,464 |
| Net loans and leases to deposits | 57.4537% | 4,595 |
| Net loans and leases to core deposits | 59.6147% | 4,648 |
| Total domestic deposits to total assets | 88.5480% | 1,049 |
| Equity capital to assets | 11.0246% | 2,662 |
| Core capital (leverage) ratio | 11.1293% | 2,417 |
| Tier 1 risk-based capital ratio | 19.7612% | 1,346 |
| Total risk-based capital ratio | 21.0125% | 1,316 |
| Memoranda: | ||
| Average total assets | $191,268,200 | 2,949 |
| Average earning assets | $174,951,800 | 2,980 |
| Average equity | $20,057,200 | 3,085 |
| Average total loans | $97,674,600 | 3,345 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3378% | 2,821 |
| Cost of funding earning assets | 0.3277% | 4,326 |
| Net interest margin | 4.0101% | 1,926 |
| Noninterest income to average assets | 0.7145% | 1,817 |
| Noninterest expense to average assets | 2.6374% | 3,172 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2991% | 1,864 |
| Return on assets (ROA) | 1.2991% | 1,862 |
| Pretax return on assets | 1.7357% | 1,192 |
| Return on Equity (ROE) | 12.5514% | 1,592 |
| Retained earnings to average equity (ytd only) | 8.5903% | 1,379 |
| Net charge-offs to loans | -1.3596% | 5,435 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3099% | 3,772 |
| Assets per employee ($millions) | 5.7457% | 1,695 |
| Cash dividends to net income (ytd only)* | 31.5592% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5934% | 212 |
| Loan loss allowance to noncurrent loans | 8,603.2258% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.5841% | 2,424 |
| Noncurrent loans to loans | 0.0301% | 4,755 |
| Net loans and leases to total assets | 51.2759% | 4,513 |
| Net loans and leases to deposits | 57.3757% | 4,678 |
| Net loans and leases to core deposits | 59.5690% | 4,721 |
| Total domestic deposits to total assets | 89.3686% | 714 |
| Equity capital to assets | 10.3494% | 3,284 |
| Core capital (leverage) ratio | 10.8590% | 2,719 |
| Tier 1 risk-based capital ratio | 19.1414% | 1,503 |
| Total risk-based capital ratio | 20.4051% | 1,471 |
| Memoranda: | ||
| Average total assets | $190,890,750 | 2,979 |
| Average earning assets | $174,155,500 | 3,008 |
| Average equity | $19,758,250 | 3,135 |
| Average total loans | $97,182,250 | 3,384 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1536% | 3,263 |
| Cost of funding earning assets | 0.3116% | 4,333 |
| Net interest margin | 3.8420% | 2,409 |
| Noninterest income to average assets | 0.7170% | 1,806 |
| Noninterest expense to average assets | 2.6557% | 3,149 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1753% | 2,299 |
| Return on assets (ROA) | 1.1753% | 2,296 |
| Pretax return on assets | 1.5639% | 1,623 |
| Return on Equity (ROE) | 11.3542% | 1,973 |
| Retained earnings to average equity (ytd only) | 6.2943% | 2,420 |
| Net charge-offs to loans | -2.0315% | 5,501 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9379% | 3,493 |
| Assets per employee ($millions) | 5.6836% | 1,731 |
| Cash dividends to net income (ytd only)* | 44.5642% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6390% | 211 |
| Loan loss allowance to noncurrent loans | 2,185.1240% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.6370% | 2,310 |
| Noncurrent loans to loans | 0.1208% | 4,364 |
| Net loans and leases to total assets | 50.4776% | 4,580 |
| Net loans and leases to deposits | 56.3336% | 4,733 |
| Net loans and leases to core deposits | 58.0048% | 4,793 |
| Total domestic deposits to total assets | 89.6049% | 705 |
| Equity capital to assets | 10.2052% | 3,435 |
| Core capital (leverage) ratio | 10.7942% | 2,709 |
| Tier 1 risk-based capital ratio | 20.0010% | 1,318 |
| Total risk-based capital ratio | 21.2671% | 1,287 |
| Memoranda: | ||
| Average total assets | $189,402,670 | 3,009 |
| Average earning assets | $172,668,330 | 3,034 |
| Average equity | $19,605,000 | 3,163 |
| Average total loans | $95,297,330 | 3,422 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0468% | 3,436 |
| Cost of funding earning assets | 0.2732% | 4,558 |
| Net interest margin | 3.7736% | 2,527 |
| Noninterest income to average assets | 0.7126% | 1,778 |
| Noninterest expense to average assets | 2.7096% | 3,012 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0966% | 2,436 |
| Return on assets (ROA) | 1.0966% | 2,447 |
| Pretax return on assets | 1.4508% | 1,833 |
| Return on Equity (ROE) | 10.5182% | 2,163 |
| Retained earnings to average equity (ytd only) | 8.6561% | 1,599 |
| Net charge-offs to loans | -0.0474% | 4,947 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1282% | 3,300 |
| Assets per employee ($millions) | 5.7850% | 1,697 |
| Cash dividends to net income (ytd only)* | 17.7043% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7946% | 796 |
| Loan loss allowance to noncurrent loans | 1,287.7863% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.6501% | 2,375 |
| Noncurrent loans to loans | 0.1394% | 4,342 |
| Net loans and leases to total assets | 48.3578% | 4,676 |
| Net loans and leases to deposits | 54.0241% | 4,794 |
| Net loans and leases to core deposits | 55.6458% | 4,851 |
| Total domestic deposits to total assets | 89.5116% | 883 |
| Equity capital to assets | 10.2506% | 3,332 |
| Core capital (leverage) ratio | 10.9055% | 2,537 |
| Tier 1 risk-based capital ratio | 20.7169% | 1,241 |
| Total risk-based capital ratio | 21.9724% | 1,221 |
| Memoranda: | ||
| Average total assets | $187,482,000 | 3,058 |
| Average earning assets | $171,297,500 | 3,080 |
| Average equity | $19,547,000 | 3,194 |
| Average total loans | $92,851,500 | 3,489 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8911% | 3,758 |
| Cost of funding earning assets | 0.2877% | 4,248 |
| Net interest margin | 3.6034% | 3,150 |
| Noninterest income to average assets | 0.7343% | 1,825 |
| Noninterest expense to average assets | 2.6223% | 3,374 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8800% | 2,815 |
| Return on assets (ROA) | 0.8800% | 2,836 |
| Pretax return on assets | 1.4015% | 1,979 |
| Return on Equity (ROE) | 8.2178% | 2,690 |
| Retained earnings to average equity (ytd only) | 4.6367% | 2,365 |
| Net charge-offs to loans | -0.3732% | 5,588 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1701% | 3,410 |
| Assets per employee ($millions) | 5.2588% | 2,192 |
| Cash dividends to net income (ytd only)* | 43.5768% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8277% | 741 |
| Loan loss allowance to noncurrent loans | 1,180.2817% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.6802% | 2,280 |
| Noncurrent loans to loans | 0.1549% | 4,312 |
| Net loans and leases to total assets | 48.9096% | 4,707 |
| Net loans and leases to deposits | 54.8493% | 4,857 |
| Net loans and leases to core deposits | 56.4808% | 4,916 |
| Total domestic deposits to total assets | 89.1708% | 918 |
| Equity capital to assets | 10.6081% | 3,044 |
| Core capital (leverage) ratio | 10.7738% | 2,562 |
| Tier 1 risk-based capital ratio | 20.9863% | 1,148 |
| Total risk-based capital ratio | 22.2420% | 1,128 |
| Memoranda: | ||
| Average total assets | $180,450,000 | 3,108 |
| Average earning assets | $164,735,400 | 3,145 |
| Average equity | $19,324,000 | 3,214 |
| Average total loans | $88,424,200 | 3,553 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8434% | 3,855 |
| Cost of funding earning assets | 0.2870% | 4,249 |
| Net interest margin | 3.5564% | 3,301 |
| Noninterest income to average assets | 0.7485% | 1,794 |
| Noninterest expense to average assets | 2.5471% | 3,577 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9780% | 2,653 |
| Return on assets (ROA) | 0.9780% | 2,709 |
| Pretax return on assets | 1.4495% | 1,946 |
| Return on Equity (ROE) | 9.1106% | 2,545 |
| Retained earnings to average equity (ytd only) | 7.4434% | 1,460 |
| Net charge-offs to loans | -0.3881% | 5,632 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7310% | 3,601 |
| Assets per employee ($millions) | 5.5044% | 1,919 |
| Cash dividends to net income (ytd only)* | 18.2994% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7777% | 890 |
| Loan loss allowance to noncurrent loans | 2,254.9296% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.6502% | 2,552 |
| Noncurrent loans to loans | 0.0788% | 4,760 |
| Net loans and leases to total assets | 48.6983% | 4,783 |
| Net loans and leases to deposits | 54.8329% | 4,927 |
| Net loans and leases to core deposits | 56.4898% | 4,972 |
| Total domestic deposits to total assets | 88.8122% | 964 |
| Equity capital to assets | 10.9797% | 2,883 |
| Core capital (leverage) ratio | 11.1990% | 2,280 |
| Tier 1 risk-based capital ratio | 21.5066% | 1,114 |
| Total risk-based capital ratio | 22.7616% | 1,095 |
| Memoranda: | ||
| Average total assets | $179,548,000 | 3,145 |
| Average earning assets | $163,981,500 | 3,184 |
| Average equity | $19,273,750 | 3,246 |
| Average total loans | $87,605,750 | 3,605 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7494% | 4,077 |
| Cost of funding earning assets | 0.2877% | 4,211 |
| Net interest margin | 3.4617% | 3,537 |
| Noninterest income to average assets | 0.7582% | 1,734 |
| Noninterest expense to average assets | 2.5575% | 3,560 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9181% | 2,814 |
| Return on assets (ROA) | 0.9181% | 2,867 |
| Pretax return on assets | 1.3632% | 2,155 |
| Return on Equity (ROE) | 8.6193% | 2,708 |
| Retained earnings to average equity (ytd only) | 7.0445% | 1,576 |
| Net charge-offs to loans | -0.5784% | 5,701 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2310% | 3,469 |
| Assets per employee ($millions) | 5.2921% | 2,067 |
| Cash dividends to net income (ytd only)* | 18.2704% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8050% | 878 |
| Loan loss allowance to noncurrent loans | 897.1910% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.7158% | 2,418 |
| Noncurrent loans to loans | 0.2012% | 4,309 |
| Net loans and leases to total assets | 48.2838% | 4,805 |
| Net loans and leases to deposits | 54.2618% | 4,949 |
| Net loans and leases to core deposits | 56.0005% | 4,990 |
| Total domestic deposits to total assets | 88.9831% | 967 |
| Equity capital to assets | 10.8535% | 2,959 |
| Core capital (leverage) ratio | 10.8970% | 2,509 |
| Tier 1 risk-based capital ratio | 21.8608% | 1,069 |
| Total risk-based capital ratio | 23.1172% | 1,049 |
| Memoranda: | ||
| Average total assets | $178,849,000 | 3,169 |
| Average earning assets | $163,387,000 | 3,192 |
| Average equity | $19,050,330 | 3,270 |
| Average total loans | $86,788,000 | 3,637 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5814% | 4,468 |
| Cost of funding earning assets | 0.2878% | 4,166 |
| Net interest margin | 3.2936% | 4,029 |
| Noninterest income to average assets | 0.7201% | 1,871 |
| Noninterest expense to average assets | 2.5888% | 3,535 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7672% | 3,385 |
| Return on assets (ROA) | 0.7672% | 3,438 |
| Pretax return on assets | 1.1351% | 2,841 |
| Return on Equity (ROE) | 7.2723% | 3,282 |
| Retained earnings to average equity (ytd only) | 5.6775% | 2,501 |
| Net charge-offs to loans | -1.1356% | 5,787 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5181% | 2,968 |
| Assets per employee ($millions) | 5.3221% | 2,051 |
| Cash dividends to net income (ytd only)* | 21.9298% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8340% | 905 |
| Loan loss allowance to noncurrent loans | 1,303.2787% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.6958% | 2,551 |
| Noncurrent loans to loans | 0.1407% | 4,629 |
| Net loans and leases to total assets | 47.0329% | 4,889 |
| Net loans and leases to deposits | 52.6900% | 4,998 |
| Net loans and leases to core deposits | 54.3600% | 5,044 |
| Total domestic deposits to total assets | 89.2633% | 1,019 |
| Equity capital to assets | 10.4935% | 3,195 |
| Core capital (leverage) ratio | 10.9184% | 2,455 |
| Tier 1 risk-based capital ratio | 21.5620% | 1,145 |
| Total risk-based capital ratio | 22.8182% | 1,122 |
| Memoranda: | ||
| Average total assets | $178,307,500 | 3,207 |
| Average earning assets | $162,619,500 | 3,236 |
| Average equity | $18,811,000 | 3,310 |
| Average total loans | $85,944,500 | 3,686 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7764% | 3,978 |
| Cost of funding earning assets | 0.3177% | 3,871 |
| Net interest margin | 3.4588% | 3,590 |
| Noninterest income to average assets | 0.7475% | 1,964 |
| Noninterest expense to average assets | 2.6878% | 3,382 |
| Loan and lease loss provision to assets | -0.5799% | 5,885 |
| Net operating income to assets | 1.1888% | 1,545 |
| Return on assets (ROA) | 1.1888% | 1,636 |
| Pretax return on assets | 1.7901% | 821 |
| Return on Equity (ROE) | 11.3386% | 1,453 |
| Retained earnings to average equity (ytd only) | 9.6793% | 468 |
| Net charge-offs to loans | -0.1058% | 5,609 |
| Credit loss provision to net charge-offs | 1,063.8298% | 366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9527% | 3,084 |
| Assets per employee ($millions) | 5.0190% | 2,372 |
| Cash dividends to net income (ytd only)* | 14.6341% | 3,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5799% | 1,423 |
| Loan loss allowance to noncurrent loans | 1,004.4776% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.7235% | 2,557 |
| Noncurrent loans to loans | 0.1573% | 4,612 |
| Net loans and leases to total assets | 47.7312% | 4,916 |
| Net loans and leases to deposits | 53.7732% | 5,021 |
| Net loans and leases to core deposits | 55.5370% | 5,067 |
| Total domestic deposits to total assets | 88.7638% | 1,224 |
| Equity capital to assets | 10.6077% | 3,031 |
| Core capital (leverage) ratio | 10.6196% | 2,753 |
| Tier 1 risk-based capital ratio | 21.5497% | 1,132 |
| Total risk-based capital ratio | 22.8024% | 1,120 |
| Memoranda: | ||
| Average total assets | $172,446,400 | 3,257 |
| Average earning assets | $157,079,400 | 3,279 |
| Average equity | $18,079,800 | 3,394 |
| Average total loans | $88,819,000 | 3,600 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8168% | 3,877 |
| Cost of funding earning assets | 0.3204% | 3,864 |
| Net interest margin | 3.4964% | 3,482 |
| Noninterest income to average assets | 0.7100% | 2,125 |
| Noninterest expense to average assets | 2.6139% | 3,611 |
| Loan and lease loss provision to assets | -0.7768% | 5,960 |
| Net operating income to assets | 1.3609% | 1,142 |
| Return on assets (ROA) | 1.3609% | 1,222 |
| Pretax return on assets | 2.0515% | 509 |
| Return on Equity (ROE) | 13.0199% | 1,053 |
| Retained earnings to average equity (ytd only) | 11.3479% | 380 |
| Net charge-offs to loans | -0.1308% | 5,660 |
| Credit loss provision to net charge-offs | 1,136.3636% | 360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2193% | 3,377 |
| Assets per employee ($millions) | 5.2084% | 2,135 |
| Cash dividends to net income (ytd only)* | 12.8424% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5699% | 1,563 |
| Loan loss allowance to noncurrent loans | 911.5646% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.7251% | 2,747 |
| Noncurrent loans to loans | 0.1722% | 4,669 |
| Net loans and leases to total assets | 47.4433% | 4,998 |
| Net loans and leases to deposits | 53.5991% | 5,135 |
| Net loans and leases to core deposits | 55.6685% | 5,162 |
| Total domestic deposits to total assets | 88.5152% | 1,151 |
| Equity capital to assets | 10.6902% | 3,362 |
| Core capital (leverage) ratio | 10.7335% | 2,745 |
| Tier 1 risk-based capital ratio | 21.5274% | 1,192 |
| Total risk-based capital ratio | 22.7799% | 1,173 |
| Memoranda: | ||
| Average total assets | $171,641,750 | 3,272 |
| Average earning assets | $156,042,500 | 3,311 |
| Average equity | $17,941,250 | 3,443 |
| Average total loans | $89,725,500 | 3,602 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8690% | 3,707 |
| Cost of funding earning assets | 0.3241% | 3,857 |
| Net interest margin | 3.5449% | 3,310 |
| Noninterest income to average assets | 0.7207% | 2,046 |
| Noninterest expense to average assets | 2.6239% | 3,641 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9033% | 2,845 |
| Return on assets (ROA) | 0.9033% | 2,976 |
| Pretax return on assets | 1.3296% | 2,290 |
| Return on Equity (ROE) | 8.7103% | 2,632 |
| Retained earnings to average equity (ytd only) | 7.0069% | 1,594 |
| Net charge-offs to loans | 0.1821% | 1,251 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 13.6024% | 2,115 |
| Efficiency ratio | 66.3688% | 3,616 |
| Assets per employee ($millions) | 5.5103% | 1,792 |
| Cash dividends to net income (ytd only)* | 19.5567% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4114% | 406 |
| Loan loss allowance to noncurrent loans | 1,268.4211% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.7418% | 2,755 |
| Noncurrent loans to loans | 0.1901% | 4,677 |
| Net loans and leases to total assets | 49.7800% | 4,856 |
| Net loans and leases to deposits | 55.8151% | 5,027 |
| Net loans and leases to core deposits | 57.9398% | 5,076 |
| Total domestic deposits to total assets | 89.1873% | 821 |
| Equity capital to assets | 10.2234% | 3,946 |
| Core capital (leverage) ratio | 10.3341% | 3,154 |
| Tier 1 risk-based capital ratio | 20.3865% | 1,365 |
| Total risk-based capital ratio | 21.6516% | 1,344 |
| Memoranda: | ||
| Average total assets | $169,826,670 | 3,308 |
| Average earning assets | $154,870,330 | 3,339 |
| Average equity | $17,611,330 | 3,499 |
| Average total loans | $91,182,000 | 3,583 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9515% | 3,396 |
| Cost of funding earning assets | 0.3328% | 3,802 |
| Net interest margin | 3.6186% | 3,011 |
| Noninterest income to average assets | 0.6940% | 2,067 |
| Noninterest expense to average assets | 2.7183% | 3,354 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8573% | 2,959 |
| Return on assets (ROA) | 0.8573% | 3,076 |
| Pretax return on assets | 1.2655% | 2,448 |
| Return on Equity (ROE) | 8.2052% | 2,803 |
| Retained earnings to average equity (ytd only) | 6.4815% | 2,147 |
| Net charge-offs to loans | 0.1569% | 1,186 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 14.6389% | 1,688 |
| Efficiency ratio | 68.2339% | 3,421 |
| Assets per employee ($millions) | 5.0239% | 2,317 |
| Cash dividends to net income (ytd only)* | 21.0084% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4172% | 430 |
| Loan loss allowance to noncurrent loans | 897.1660% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.7944% | 2,710 |
| Noncurrent loans to loans | 0.2694% | 4,470 |
| Net loans and leases to total assets | 52.3731% | 4,599 |
| Net loans and leases to deposits | 58.7757% | 4,796 |
| Net loans and leases to core deposits | 61.2997% | 4,856 |
| Total domestic deposits to total assets | 89.1067% | 1,053 |
| Equity capital to assets | 10.3032% | 3,741 |
| Core capital (leverage) ratio | 10.5040% | 2,958 |
| Tier 1 risk-based capital ratio | 19.9198% | 1,515 |
| Total risk-based capital ratio | 21.1850% | 1,482 |
| Memoranda: | ||
| Average total assets | $166,575,000 | 3,374 |
| Average earning assets | $151,438,000 | 3,406 |
| Average equity | $17,403,500 | 3,526 |
| Average total loans | $91,800,000 | 3,582 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7770% | 4,110 |
| Cost of funding earning assets | 0.3702% | 3,487 |
| Net interest margin | 3.4068% | 3,882 |
| Noninterest income to average assets | 0.8830% | 1,490 |
| Noninterest expense to average assets | 2.8253% | 3,132 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7831% | 3,407 |
| Return on assets (ROA) | 0.7831% | 3,484 |
| Pretax return on assets | 1.1477% | 2,853 |
| Return on Equity (ROE) | 7.6066% | 3,191 |
| Retained earnings to average equity (ytd only) | 5.8210% | 1,883 |
| Net charge-offs to loans | 0.4664% | 587 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 4.5572% | 3,531 |
| Efficiency ratio | 71.1135% | 3,050 |
| Assets per employee ($millions) | 5.0731% | 2,278 |
| Cash dividends to net income (ytd only)* | 23.4742% | 3,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4498% | 426 |
| Loan loss allowance to noncurrent loans | 474.1053% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.8168% | 2,632 |
| Noncurrent loans to loans | 0.5167% | 3,627 |
| Net loans and leases to total assets | 55.2381% | 4,360 |
| Net loans and leases to deposits | 62.2176% | 4,617 |
| Net loans and leases to core deposits | 65.1708% | 4,655 |
| Total domestic deposits to total assets | 88.7821% | 1,237 |
| Equity capital to assets | 10.6000% | 3,250 |
| Core capital (leverage) ratio | 10.4569% | 2,974 |
| Tier 1 risk-based capital ratio | 20.2318% | 1,441 |
| Total risk-based capital ratio | 21.4982% | 1,412 |
| Memoranda: | ||
| Average total assets | $163,201,800 | 3,388 |
| Average earning assets | $148,028,000 | 3,432 |
| Average equity | $16,801,200 | 3,560 |
| Average total loans | $88,115,400 | 3,627 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7380% | 4,302 |
| Cost of funding earning assets | 0.3758% | 3,482 |
| Net interest margin | 3.3622% | 4,099 |
| Noninterest income to average assets | 0.8428% | 1,642 |
| Noninterest expense to average assets | 2.7348% | 3,448 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7890% | 3,482 |
| Return on assets (ROA) | 0.7890% | 3,570 |
| Pretax return on assets | 1.1520% | 3,008 |
| Return on Equity (ROE) | 7.7206% | 3,224 |
| Retained earnings to average equity (ytd only) | 5.9242% | 2,298 |
| Net charge-offs to loans | 0.0841% | 2,343 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 25.6733% | 1,653 |
| Efficiency ratio | 70.3610% | 3,156 |
| Assets per employee ($millions) | 4.9225% | 2,394 |
| Cash dividends to net income (ytd only)* | 23.2677% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0492% | 231 |
| Loan loss allowance to noncurrent loans | 189.8108% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.8803% | 2,677 |
| Noncurrent loans to loans | 1.6065% | 1,539 |
| Net loans and leases to total assets | 51.0471% | 4,853 |
| Net loans and leases to deposits | 57.4558% | 5,038 |
| Net loans and leases to core deposits | 59.7016% | 5,089 |
| Total domestic deposits to total assets | 88.8459% | 1,101 |
| Equity capital to assets | 10.5053% | 3,597 |
| Core capital (leverage) ratio | 10.1804% | 3,399 |
| Tier 1 risk-based capital ratio | 21.0863% | 1,331 |
| Total risk-based capital ratio | 22.3599% | 1,305 |
| Memoranda: | ||
| Average total assets | $163,417,500 | 3,422 |
| Average earning assets | $147,954,000 | 3,465 |
| Average equity | $16,699,500 | 3,602 |
| Average total loans | $87,163,000 | 3,693 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7310% | 4,314 |
| Cost of funding earning assets | 0.3795% | 3,504 |
| Net interest margin | 3.3515% | 4,102 |
| Noninterest income to average assets | 0.8941% | 1,463 |
| Noninterest expense to average assets | 2.6871% | 3,639 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8330% | 3,201 |
| Return on assets (ROA) | 0.8330% | 3,320 |
| Pretax return on assets | 1.2275% | 2,660 |
| Return on Equity (ROE) | 8.2279% | 2,925 |
| Retained earnings to average equity (ytd only) | 6.4183% | 1,990 |
| Net charge-offs to loans | -0.1345% | 5,893 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6427% | 3,565 |
| Assets per employee ($millions) | 5.2814% | 1,945 |
| Cash dividends to net income (ytd only)* | 21.9941% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1185% | 241 |
| Loan loss allowance to noncurrent loans | 180.5040% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.9396% | 2,657 |
| Noncurrent loans to loans | 1.7277% | 1,488 |
| Net loans and leases to total assets | 50.0367% | 4,928 |
| Net loans and leases to deposits | 55.9345% | 5,122 |
| Net loans and leases to core deposits | 57.9118% | 5,203 |
| Total domestic deposits to total assets | 89.4559% | 917 |
| Equity capital to assets | 9.9507% | 4,092 |
| Core capital (leverage) ratio | 9.9007% | 3,739 |
| Tier 1 risk-based capital ratio | 21.1123% | 1,333 |
| Total risk-based capital ratio | 22.3884% | 1,308 |
| Memoranda: | ||
| Average total assets | $163,742,670 | 3,435 |
| Average earning assets | $147,575,330 | 3,494 |
| Average equity | $16,577,670 | 3,626 |
| Average total loans | $87,707,330 | 3,697 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8315% | 3,887 |
| Cost of funding earning assets | 0.3982% | 3,325 |
| Net interest margin | 3.4333% | 3,696 |
| Noninterest income to average assets | 0.9161% | 1,337 |
| Noninterest expense to average assets | 2.7211% | 3,514 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8441% | 3,035 |
| Return on assets (ROA) | 0.8441% | 3,161 |
| Pretax return on assets | 1.2563% | 2,442 |
| Return on Equity (ROE) | 8.2635% | 2,822 |
| Retained earnings to average equity (ytd only) | 6.4406% | 2,264 |
| Net charge-offs to loans | -0.1592% | 5,994 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4145% | 3,755 |
| Assets per employee ($millions) | 5.2789% | 2,018 |
| Cash dividends to net income (ytd only)* | 22.0588% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0432% | 286 |
| Loan loss allowance to noncurrent loans | 176.3399% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.9632% | 2,695 |
| Noncurrent loans to loans | 1.7258% | 1,588 |
| Net loans and leases to total assets | 50.8862% | 4,760 |
| Net loans and leases to deposits | 56.8039% | 4,996 |
| Net loans and leases to core deposits | 59.5234% | 5,030 |
| Total domestic deposits to total assets | 89.5823% | 951 |
| Equity capital to assets | 9.8299% | 4,350 |
| Core capital (leverage) ratio | 10.4637% | 3,015 |
| Tier 1 risk-based capital ratio | 17.0809% | 2,451 |
| Total risk-based capital ratio | 18.3499% | 2,399 |
| Memoranda: | ||
| Average total assets | $161,112,000 | 3,494 |
| Average earning assets | $143,651,000 | 3,569 |
| Average equity | $16,458,000 | 3,667 |
| Average total loans | $87,918,000 | 3,705 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4047% | 2,206 |
| Cost of funding earning assets | 0.4215% | 3,464 |
| Net interest margin | 3.9832% | 1,943 |
| Noninterest income to average assets | 1.0099% | 1,190 |
| Noninterest expense to average assets | 3.1039% | 2,502 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0106% | 2,334 |
| Return on assets (ROA) | 1.0106% | 2,414 |
| Pretax return on assets | 1.4958% | 1,558 |
| Return on Equity (ROE) | 8.4174% | 2,896 |
| Retained earnings to average equity (ytd only) | -14.0486% | 6,376 |
| Net charge-offs to loans | 0.0845% | 3,288 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 31.6622% | 1,283 |
| Efficiency ratio | 67.4809% | 3,988 |
| Assets per employee ($millions) | 4.6455% | 2,804 |
| Cash dividends to net income (ytd only)* | 266.8983% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0546% | 281 |
| Loan loss allowance to noncurrent loans | 173.3724% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 1.1755% | 2,414 |
| Noncurrent loans to loans | 1.7619% | 1,637 |
| Net loans and leases to total assets | 55.1311% | 4,433 |
| Net loans and leases to deposits | 62.3587% | 4,695 |
| Net loans and leases to core deposits | 65.3208% | 4,721 |
| Total domestic deposits to total assets | 88.4097% | 1,560 |
| Equity capital to assets | 10.6399% | 3,311 |
| Core capital (leverage) ratio | 10.3005% | 3,173 |
| Tier 1 risk-based capital ratio | 17.9319% | 2,162 |
| Total risk-based capital ratio | 19.2030% | 2,119 |
| Memoranda: | ||
| Average total assets | $156,642,800 | 3,542 |
| Average earning assets | $141,168,800 | 3,584 |
| Average equity | $18,806,200 | 3,309 |
| Average total loans | $87,541,800 | 3,685 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4051% | 2,199 |
| Cost of funding earning assets | 0.4253% | 3,519 |
| Net interest margin | 3.9799% | 1,939 |
| Noninterest income to average assets | 1.0549% | 1,106 |
| Noninterest expense to average assets | 3.1462% | 2,330 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0109% | 2,405 |
| Return on assets (ROA) | 1.0109% | 2,461 |
| Pretax return on assets | 1.4901% | 1,675 |
| Return on Equity (ROE) | 8.1933% | 3,100 |
| Retained earnings to average equity (ytd only) | 6.6494% | 2,012 |
| Net charge-offs to loans | 0.1141% | 2,660 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 23.4661% | 1,589 |
| Efficiency ratio | 67.8598% | 3,884 |
| Assets per employee ($millions) | 4.4886% | 2,991 |
| Cash dividends to net income (ytd only)* | 18.8441% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0130% | 357 |
| Loan loss allowance to noncurrent loans | 126.4008% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 1.5780% | 1,935 |
| Noncurrent loans to loans | 2.3837% | 1,247 |
| Net loans and leases to total assets | 54.5433% | 4,512 |
| Net loans and leases to deposits | 63.0476% | 4,633 |
| Net loans and leases to core deposits | 66.1653% | 4,689 |
| Total domestic deposits to total assets | 86.5112% | 2,582 |
| Equity capital to assets | 12.6778% | 1,594 |
| Core capital (leverage) ratio | 12.6435% | 1,332 |
| Tier 1 risk-based capital ratio | 21.6584% | 1,312 |
| Total risk-based capital ratio | 22.9291% | 1,290 |
| Memoranda: | ||
| Average total assets | $157,478,500 | 3,554 |
| Average earning assets | $141,709,750 | 3,601 |
| Average equity | $19,430,000 | 3,237 |
| Average total loans | $87,632,500 | 3,717 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3915% | 2,205 |
| Cost of funding earning assets | 0.4386% | 3,455 |
| Net interest margin | 3.9529% | 1,955 |
| Noninterest income to average assets | 1.1814% | 838 |
| Noninterest expense to average assets | 3.3108% | 1,895 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9644% | 2,480 |
| Return on assets (ROA) | 0.9644% | 2,569 |
| Pretax return on assets | 1.4162% | 1,835 |
| Return on Equity (ROE) | 7.8889% | 3,162 |
| Retained earnings to average equity (ytd only) | 6.3319% | 2,131 |
| Net charge-offs to loans | 0.1121% | 2,539 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 22.7755% | 1,496 |
| Efficiency ratio | 70.0403% | 3,653 |
| Assets per employee ($millions) | 4.4412% | 3,019 |
| Cash dividends to net income (ytd only)* | 19.7368% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0904% | 346 |
| Loan loss allowance to noncurrent loans | 130.4221% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 1.6231% | 2,015 |
| Noncurrent loans to loans | 2.3695% | 1,349 |
| Net loans and leases to total assets | 54.2270% | 4,513 |
| Net loans and leases to deposits | 62.5149% | 4,637 |
| Net loans and leases to core deposits | 65.2157% | 4,715 |
| Total domestic deposits to total assets | 86.7424% | 2,610 |
| Equity capital to assets | 12.5988% | 1,582 |
| Core capital (leverage) ratio | 12.3686% | 1,465 |
| Tier 1 risk-based capital ratio | 21.6924% | 1,312 |
| Total risk-based capital ratio | 22.9640% | 1,287 |
| Memoranda: | ||
| Average total assets | $157,604,330 | 3,570 |
| Average earning assets | $141,363,670 | 3,628 |
| Average equity | $19,267,670 | 3,245 |
| Average total loans | $87,393,330 | 3,734 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3843% | 2,199 |
| Cost of funding earning assets | 0.4693% | 3,234 |
| Net interest margin | 3.9150% | 2,040 |
| Noninterest income to average assets | 1.4671% | 542 |
| Noninterest expense to average assets | 3.6550% | 1,202 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9125% | 2,589 |
| Return on assets (ROA) | 0.9125% | 2,662 |
| Pretax return on assets | 1.3234% | 2,016 |
| Return on Equity (ROE) | 7.5774% | 3,157 |
| Retained earnings to average equity (ytd only) | 7.5774% | 1,778 |
| Net charge-offs to loans | 0.2877% | 1,202 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 8.3333% | 2,036 |
| Efficiency ratio | 73.4177% | 3,243 |
| Assets per employee ($millions) | 4.6268% | 2,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0466% | 408 |
| Loan loss allowance to noncurrent loans | 129.7428% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 1.6038% | 2,194 |
| Noncurrent loans to loans | 2.3482% | 1,501 |
| Net loans and leases to total assets | 54.0935% | 4,402 |
| Net loans and leases to deposits | 62.0973% | 4,533 |
| Net loans and leases to core deposits | 64.8570% | 4,609 |
| Total domestic deposits to total assets | 87.1109% | 2,740 |
| Equity capital to assets | 12.2674% | 1,706 |
| Core capital (leverage) ratio | 12.0812% | 1,608 |
| Tier 1 risk-based capital ratio | 20.8236% | 1,508 |
| Total risk-based capital ratio | 22.0936% | 1,479 |
| Memoranda: | ||
| Average total assets | $158,685,000 | 3,579 |
| Average earning assets | $142,326,000 | 3,642 |
| Average equity | $19,109,500 | 3,265 |
| Average total loans | $87,600,000 | 3,756 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1194% | 744 |
| Cost of funding earning assets | 0.5378% | 3,216 |
| Net interest margin | 4.5816% | 636 |
| Noninterest income to average assets | 0.9267% | 1,592 |
| Noninterest expense to average assets | 2.9714% | 3,128 |
| Loan and lease loss provision to assets | 0.5600% | 467 |
| Net operating income to assets | 1.0155% | 2,264 |
| Return on assets (ROA) | 1.0160% | 2,319 |
| Pretax return on assets | 1.4713% | 1,546 |
| Return on Equity (ROE) | 8.7116% | 2,695 |
| Retained earnings to average equity (ytd only) | 6.9343% | 1,460 |
| Net charge-offs to loans | 1.3757% | 357 |
| Credit loss provision to net charge-offs | 76.8154% | 3,118 |
| Earnings coverage of net charge-offs (x) | 2.7857% | 4,073 |
| Efficiency ratio | 59.4033% | 5,554 |
| Assets per employee ($millions) | 4.7076% | 2,579 |
| Cash dividends to net income (ytd only)* | 20.4018% | 3,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1305% | 406 |
| Loan loss allowance to noncurrent loans | 104.4656% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 2.8333% | 1,138 |
| Noncurrent loans to loans | 2.9966% | 1,150 |
| Net loans and leases to total assets | 52.9142% | 4,733 |
| Net loans and leases to deposits | 62.6453% | 4,663 |
| Net loans and leases to core deposits | 65.2109% | 4,758 |
| Total domestic deposits to total assets | 84.4664% | 3,981 |
| Equity capital to assets | 11.8213% | 1,929 |
| Core capital (leverage) ratio | 11.8359% | 1,728 |
| Tier 1 risk-based capital ratio | 20.4297% | 1,553 |
| Total risk-based capital ratio | 21.6943% | 1,521 |
| Memoranda: | ||
| Average total assets | $156,797,000 | 3,605 |
| Average earning assets | $139,469,800 | 3,674 |
| Average equity | $18,286,000 | 3,372 |
| Average total loans | $83,085,000 | 3,847 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2543% | 578 |
| Cost of funding earning assets | 0.5455% | 3,311 |
| Net interest margin | 4.7087% | 507 |
| Noninterest income to average assets | 0.9155% | 1,705 |
| Noninterest expense to average assets | 2.9610% | 3,105 |
| Loan and lease loss provision to assets | 0.7505% | 281 |
| Net operating income to assets | 0.9397% | 2,643 |
| Return on assets (ROA) | 0.9403% | 2,749 |
| Pretax return on assets | 1.3882% | 1,968 |
| Return on Equity (ROE) | 8.0907% | 3,077 |
| Retained earnings to average equity (ytd only) | 5.7003% | 2,598 |
| Net charge-offs to loans | 1.3984% | 358 |
| Credit loss provision to net charge-offs | 102.0930% | 2,293 |
| Earnings coverage of net charge-offs (x) | 2.9081% | 3,867 |
| Efficiency ratio | 58.0721% | 5,675 |
| Assets per employee ($millions) | 4.6294% | 2,667 |
| Cash dividends to net income (ytd only)* | 29.5453% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5726% | 314 |
| Loan loss allowance to noncurrent loans | 89.0855% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 3.3126% | 1,066 |
| Noncurrent loans to loans | 4.0103% | 874 |
| Net loans and leases to total assets | 51.7865% | 4,895 |
| Net loans and leases to deposits | 61.1080% | 4,858 |
| Net loans and leases to core deposits | 63.8904% | 4,915 |
| Total domestic deposits to total assets | 84.7459% | 3,864 |
| Equity capital to assets | 11.7344% | 2,101 |
| Core capital (leverage) ratio | 11.7352% | 1,863 |
| Tier 1 risk-based capital ratio | 21.2114% | 1,455 |
| Total risk-based capital ratio | 22.4891% | 1,414 |
| Memoranda: | ||
| Average total assets | $155,981,500 | 3,651 |
| Average earning assets | $138,576,250 | 3,721 |
| Average equity | $18,127,250 | 3,435 |
| Average total loans | $81,998,500 | 3,914 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5795% | 333 |
| Cost of funding earning assets | 0.5556% | 3,357 |
| Net interest margin | 5.0239% | 303 |
| Noninterest income to average assets | 0.9813% | 1,577 |
| Noninterest expense to average assets | 2.9452% | 3,187 |
| Loan and lease loss provision to assets | 1.1292% | 149 |
| Net operating income to assets | 0.9225% | 2,689 |
| Return on assets (ROA) | 0.9234% | 2,825 |
| Pretax return on assets | 1.3620% | 2,079 |
| Return on Equity (ROE) | 7.9720% | 3,114 |
| Retained earnings to average equity (ytd only) | 5.1962% | 2,928 |
| Net charge-offs to loans | 2.1317% | 199 |
| Credit loss provision to net charge-offs | 101.5029% | 2,179 |
| Earnings coverage of net charge-offs (x) | 2.2382% | 3,778 |
| Efficiency ratio | 54.1884% | 6,136 |
| Assets per employee ($millions) | 4.4718% | 2,860 |
| Cash dividends to net income (ytd only)* | 34.8189% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6827% | 324 |
| Loan loss allowance to noncurrent loans | 87.8753% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 3.3735% | 1,155 |
| Noncurrent loans to loans | 4.1908% | 896 |
| Net loans and leases to total assets | 50.3821% | 5,068 |
| Net loans and leases to deposits | 59.3829% | 5,032 |
| Net loans and leases to core deposits | 61.9887% | 5,093 |
| Total domestic deposits to total assets | 84.8427% | 3,970 |
| Equity capital to assets | 11.6138% | 2,204 |
| Core capital (leverage) ratio | 11.5423% | 1,905 |
| Tier 1 risk-based capital ratio | 21.2866% | 1,423 |
| Total risk-based capital ratio | 22.5647% | 1,392 |
| Memoranda: | ||
| Average total assets | $155,508,670 | 3,680 |
| Average earning assets | $137,861,670 | 3,759 |
| Average equity | $18,013,000 | 3,483 |
| Average total loans | $81,154,000 | 3,952 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5216% | 357 |
| Cost of funding earning assets | 0.5691% | 3,392 |
| Net interest margin | 4.9525% | 313 |
| Noninterest income to average assets | 0.9858% | 1,505 |
| Noninterest expense to average assets | 2.9289% | 3,235 |
| Loan and lease loss provision to assets | 1.1277% | 148 |
| Net operating income to assets | 0.8671% | 2,825 |
| Return on assets (ROA) | 0.8671% | 2,967 |
| Pretax return on assets | 1.3083% | 2,205 |
| Return on Equity (ROE) | 7.4954% | 3,217 |
| Retained earnings to average equity (ytd only) | 3.0339% | 4,460 |
| Net charge-offs to loans | 4.0249% | 66 |
| Credit loss provision to net charge-offs | 53.7515% | 2,549 |
| Earnings coverage of net charge-offs (x) | 1.1611% | 3,442 |
| Efficiency ratio | 54.5936% | 6,184 |
| Assets per employee ($millions) | 4.4692% | 3,030 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2618% | 513 |
| Loan loss allowance to noncurrent loans | 95.6997% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 2.9868% | 1,505 |
| Noncurrent loans to loans | 3.4084% | 1,414 |
| Net loans and leases to total assets | 49.7894% | 5,022 |
| Net loans and leases to deposits | 58.4893% | 4,976 |
| Net loans and leases to core deposits | 61.1664% | 5,035 |
| Total domestic deposits to total assets | 85.1256% | 3,976 |
| Equity capital to assets | 11.5047% | 2,409 |
| Core capital (leverage) ratio | 11.5189% | 1,868 |
| Tier 1 risk-based capital ratio | 21.0208% | 1,527 |
| Total risk-based capital ratio | 22.2936% | 1,498 |
| Memoranda: | ||
| Average total assets | $155,007,000 | 3,725 |
| Average earning assets | $137,062,000 | 3,808 |
| Average equity | $17,931,000 | 3,534 |
| Average total loans | $80,796,500 | 3,995 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5969% | 120 |
| Cost of funding earning assets | 0.7255% | 3,288 |
| Net interest margin | 5.8715% | 93 |
| Noninterest income to average assets | 0.5372% | 3,663 |
| Noninterest expense to average assets | 3.1941% | 2,633 |
| Loan and lease loss provision to assets | 1.0258% | 388 |
| Net operating income to assets | 0.9096% | 2,771 |
| Return on assets (ROA) | 0.9096% | 3,010 |
| Pretax return on assets | 1.3408% | 2,249 |
| Return on Equity (ROE) | 7.9491% | 3,108 |
| Retained earnings to average equity (ytd only) | 7.9491% | 1,142 |
| Net charge-offs to loans | 0.3189% | 3,046 |
| Credit loss provision to net charge-offs | 595.7364% | 415 |
| Earnings coverage of net charge-offs (x) | 13.7442% | 1,792 |
| Efficiency ratio | 57.4412% | 5,904 |
| Assets per employee ($millions) | 4.3883% | 3,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7023% | 356 |
| Loan loss allowance to noncurrent loans | 123.6409% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 3.1551% | 1,477 |
| Noncurrent loans to loans | 2.9944% | 1,741 |
| Net loans and leases to total assets | 50.8383% | 5,060 |
| Net loans and leases to deposits | 59.8713% | 5,041 |
| Net loans and leases to core deposits | 63.0434% | 5,057 |
| Total domestic deposits to total assets | 84.9125% | 3,898 |
| Equity capital to assets | 11.6322% | 2,323 |
| Core capital (leverage) ratio | 11.5312% | 1,856 |
| Tier 1 risk-based capital ratio | 20.5044% | 1,561 |
| Total risk-based capital ratio | 21.7824% | 1,529 |
| Memoranda: | ||
| Average total assets | $149,838,200 | 3,777 |
| Average earning assets | $128,195,800 | 3,940 |
| Average equity | $17,146,600 | 3,601 |
| Average total loans | $80,913,400 | 4,012 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7365% | 100 |
| Cost of funding earning assets | 0.7676% | 3,215 |
| Net interest margin | 5.9689% | 93 |
| Noninterest income to average assets | 0.5784% | 3,418 |
| Noninterest expense to average assets | 3.2442% | 2,440 |
| Loan and lease loss provision to assets | 1.0888% | 357 |
| Net operating income to assets | 0.8757% | 3,104 |
| Return on assets (ROA) | 0.8757% | 3,347 |
| Pretax return on assets | 1.3145% | 2,540 |
| Return on Equity (ROE) | 7.6854% | 3,430 |
| Retained earnings to average equity (ytd only) | 7.6854% | 1,763 |
| Net charge-offs to loans | 0.4583% | 2,266 |
| Credit loss provision to net charge-offs | 437.4101% | 615 |
| Earnings coverage of net charge-offs (x) | 9.6546% | 2,291 |
| Efficiency ratio | 57.4441% | 5,865 |
| Assets per employee ($millions) | 4.3276% | 3,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3711% | 521 |
| Loan loss allowance to noncurrent loans | 105.2195% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 3.7771% | 1,303 |
| Noncurrent loans to loans | 3.2039% | 1,722 |
| Net loans and leases to total assets | 50.3572% | 5,270 |
| Net loans and leases to deposits | 59.4099% | 5,271 |
| Net loans and leases to core deposits | 62.6491% | 5,298 |
| Total domestic deposits to total assets | 84.7623% | 3,854 |
| Equity capital to assets | 11.5769% | 2,672 |
| Core capital (leverage) ratio | 11.4458% | 2,025 |
| Tier 1 risk-based capital ratio | 20.5881% | 1,620 |
| Total risk-based capital ratio | 21.8617% | 1,585 |
| Memoranda: | ||
| Average total assets | $148,900,000 | 3,837 |
| Average earning assets | $126,453,000 | 4,007 |
| Average equity | $16,966,750 | 3,664 |
| Average total loans | $80,870,500 | 4,058 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8075% | 99 |
| Cost of funding earning assets | 0.8183% | 3,051 |
| Net interest margin | 5.9893% | 90 |
| Noninterest income to average assets | 0.3648% | 4,909 |
| Noninterest expense to average assets | 3.2274% | 2,500 |
| Loan and lease loss provision to assets | 0.8903% | 526 |
| Net operating income to assets | 0.8268% | 3,264 |
| Return on assets (ROA) | 0.8268% | 3,527 |
| Pretax return on assets | 1.2604% | 2,690 |
| Return on Equity (ROE) | 7.2956% | 3,620 |
| Retained earnings to average equity (ytd only) | 7.2956% | 1,958 |
| Net charge-offs to loans | 0.1325% | 3,869 |
| Credit loss provision to net charge-offs | 1,220.3704% | 266 |
| Earnings coverage of net charge-offs (x) | 29.4815% | 1,085 |
| Efficiency ratio | 60.0100% | 5,573 |
| Assets per employee ($millions) | 4.2735% | 3,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8824% | 881 |
| Loan loss allowance to noncurrent loans | 71.8962% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 3.9058% | 1,330 |
| Noncurrent loans to loans | 4.0092% | 1,374 |
| Net loans and leases to total assets | 52.4403% | 5,042 |
| Net loans and leases to deposits | 61.8369% | 5,018 |
| Net loans and leases to core deposits | 65.4029% | 5,066 |
| Total domestic deposits to total assets | 84.8042% | 3,947 |
| Equity capital to assets | 11.4485% | 2,638 |
| Core capital (leverage) ratio | 11.2602% | 2,077 |
| Tier 1 risk-based capital ratio | 19.5569% | 1,831 |
| Total risk-based capital ratio | 20.8245% | 1,800 |
| Memoranda: | ||
| Average total assets | $148,044,670 | 3,871 |
| Average earning assets | $123,922,000 | 4,082 |
| Average equity | $16,777,330 | 3,687 |
| Average total loans | $81,515,670 | 4,056 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2422% | 221 |
| Cost of funding earning assets | 0.8927% | 2,748 |
| Net interest margin | 5.3495% | 229 |
| Noninterest income to average assets | 0.6871% | 2,724 |
| Noninterest expense to average assets | 3.6773% | 1,415 |
| Loan and lease loss provision to assets | 0.4074% | 1,550 |
| Net operating income to assets | 0.6681% | 4,038 |
| Return on assets (ROA) | 0.6681% | 4,253 |
| Pretax return on assets | 0.9479% | 3,873 |
| Return on Equity (ROE) | 5.9263% | 4,332 |
| Retained earnings to average equity (ytd only) | 5.9263% | 3,002 |
| Net charge-offs to loans | 0.1856% | 2,992 |
| Credit loss provision to net charge-offs | 394.7368% | 796 |
| Earnings coverage of net charge-offs (x) | 13.1316% | 1,556 |
| Efficiency ratio | 73.0707% | 3,245 |
| Assets per employee ($millions) | 3.9724% | 4,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2358% | 1,811 |
| Loan loss allowance to noncurrent loans | 44.5388% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 4.5415% | 1,172 |
| Noncurrent loans to loans | 5.0199% | 1,113 |
| Net loans and leases to total assets | 54.5925% | 4,621 |
| Net loans and leases to deposits | 64.5070% | 4,560 |
| Net loans and leases to core deposits | 68.0164% | 4,674 |
| Total domestic deposits to total assets | 84.6304% | 4,197 |
| Equity capital to assets | 11.3799% | 2,543 |
| Core capital (leverage) ratio | 10.8368% | 2,402 |
| Tier 1 risk-based capital ratio | 18.3019% | 2,205 |
| Total risk-based capital ratio | 19.5724% | 2,166 |
| Memoranda: | ||
| Average total assets | $147,280,000 | 3,920 |
| Average earning assets | $119,638,000 | 4,206 |
| Average equity | $16,604,000 | 3,712 |
| Average total loans | $81,891,000 | 4,067 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4551% | 1,279 |
| Cost of funding earning assets | 1.3858% | 1,097 |
| Net interest margin | 4.0693% | 2,572 |
| Noninterest income to average assets | 3.2359% | 194 |
| Noninterest expense to average assets | 3.7454% | 1,453 |
| Loan and lease loss provision to assets | 0.4866% | 2,173 |
| Net operating income to assets | 1.5754% | 705 |
| Return on assets (ROA) | 1.6650% | 629 |
| Pretax return on assets | 2.5326% | 197 |
| Return on Equity (ROE) | 14.8466% | 779 |
| Retained earnings to average equity (ytd only) | 14.8466% | 142 |
| Net charge-offs to loans | 0.8068% | 2,140 |
| Credit loss provision to net charge-offs | 102.0583% | 3,398 |
| Earnings coverage of net charge-offs (x) | 6.0480% | 2,608 |
| Efficiency ratio | 56.5014% | 6,251 |
| Assets per employee ($millions) | 3.9887% | 3,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1087% | 1,979 |
| Loan loss allowance to noncurrent loans | 49.1864% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 4.1184% | 1,392 |
| Noncurrent loans to loans | 4.2872% | 1,424 |
| Net loans and leases to total assets | 54.1970% | 5,008 |
| Net loans and leases to deposits | 63.9287% | 5,023 |
| Net loans and leases to core deposits | 68.1361% | 5,008 |
| Total domestic deposits to total assets | 84.7773% | 3,972 |
| Equity capital to assets | 11.1680% | 2,827 |
| Core capital (leverage) ratio | 10.6265% | 2,591 |
| Tier 1 risk-based capital ratio | 17.8912% | 2,231 |
| Total risk-based capital ratio | 19.1596% | 2,196 |
| Memoranda: | ||
| Average total assets | $122,283,800 | 4,339 |
| Average earning assets | $101,959,400 | 4,587 |
| Average equity | $13,713,600 | 4,187 |
| Average total loans | $72,256,600 | 4,404 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2203% | 2,131 |
| Cost of funding earning assets | 1.4218% | 1,143 |
| Net interest margin | 3.7985% | 3,886 |
| Noninterest income to average assets | 1.1521% | 991 |
| Noninterest expense to average assets | 3.2620% | 2,628 |
| Loan and lease loss provision to assets | 0.6841% | 1,413 |
| Net operating income to assets | 0.3446% | 5,228 |
| Return on assets (ROA) | 0.4208% | 5,090 |
| Pretax return on assets | 0.5416% | 5,007 |
| Return on Equity (ROE) | 3.7476% | 5,110 |
| Retained earnings to average equity (ytd only) | 3.7476% | 4,081 |
| Net charge-offs to loans | 0.4464% | 2,939 |
| Credit loss provision to net charge-offs | 254.2735% | 1,124 |
| Earnings coverage of net charge-offs (x) | 4.1923% | 3,148 |
| Efficiency ratio | 74.3059% | 3,119 |
| Assets per employee ($millions) | 4.1562% | 3,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0274% | 845 |
| Loan loss allowance to noncurrent loans | 65.9453% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 5.2426% | 1,089 |
| Noncurrent loans to loans | 4.5908% | 1,409 |
| Net loans and leases to total assets | 57.0308% | 4,677 |
| Net loans and leases to deposits | 71.7386% | 4,025 |
| Net loans and leases to core deposits | 76.5643% | 4,121 |
| Total domestic deposits to total assets | 79.4980% | 5,869 |
| Equity capital to assets | 11.4734% | 2,707 |
| Core capital (leverage) ratio | 11.3232% | 2,144 |
| Tier 1 risk-based capital ratio | 16.9605% | 2,656 |
| Total risk-based capital ratio | 18.2284% | 2,614 |
| Memoranda: | ||
| Average total assets | $115,959,250 | 4,533 |
| Average earning assets | $98,842,500 | 4,697 |
| Average equity | $13,021,500 | 4,347 |
| Average total loans | $69,893,750 | 4,530 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2520% | 2,057 |
| Cost of funding earning assets | 1.4739% | 1,096 |
| Net interest margin | 3.7781% | 3,898 |
| Noninterest income to average assets | 0.9636% | 1,418 |
| Noninterest expense to average assets | 3.3086% | 2,526 |
| Loan and lease loss provision to assets | 0.5267% | 1,855 |
| Net operating income to assets | 0.2748% | 5,463 |
| Return on assets (ROA) | 0.3937% | 5,120 |
| Pretax return on assets | 0.4887% | 5,105 |
| Return on Equity (ROE) | 3.5318% | 5,153 |
| Retained earnings to average equity (ytd only) | 3.5318% | 4,000 |
| Net charge-offs to loans | 0.5002% | 2,606 |
| Credit loss provision to net charge-offs | 173.2955% | 1,744 |
| Earnings coverage of net charge-offs (x) | 2.8580% | 3,413 |
| Efficiency ratio | 79.2063% | 2,522 |
| Assets per employee ($millions) | 4.1087% | 3,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5899% | 1,324 |
| Loan loss allowance to noncurrent loans | 72.2702% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 5.0355% | 1,214 |
| Noncurrent loans to loans | 3.5836% | 1,972 |
| Net loans and leases to total assets | 60.1552% | 4,243 |
| Net loans and leases to deposits | 75.5942% | 3,545 |
| Net loans and leases to core deposits | 81.0819% | 3,640 |
| Total domestic deposits to total assets | 79.5765% | 5,934 |
| Equity capital to assets | 11.4069% | 2,596 |
| Core capital (leverage) ratio | 11.1342% | 2,152 |
| Tier 1 risk-based capital ratio | 15.9116% | 3,027 |
| Total risk-based capital ratio | 17.1744% | 2,992 |
| Memoranda: | ||
| Average total assets | $115,821,000 | 4,565 |
| Average earning assets | $98,515,000 | 4,744 |
| Average equity | $12,911,330 | 4,361 |
| Average total loans | $70,378,000 | 4,563 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2576% | 2,015 |
| Cost of funding earning assets | 1.4975% | 1,168 |
| Net interest margin | 3.7600% | 3,798 |
| Noninterest income to average assets | 1.1393% | 1,005 |
| Noninterest expense to average assets | 3.3801% | 2,330 |
| Loan and lease loss provision to assets | 0.7400% | 1,148 |
| Net operating income to assets | 0.1766% | 5,865 |
| Return on assets (ROA) | 0.4165% | 4,966 |
| Pretax return on assets | 0.5094% | 4,993 |
| Return on Equity (ROE) | 3.7796% | 5,009 |
| Retained earnings to average equity (ytd only) | 3.7796% | 3,906 |
| Net charge-offs to loans | 1.0565% | 1,294 |
| Credit loss provision to net charge-offs | 116.2162% | 2,328 |
| Earnings coverage of net charge-offs (x) | 1.5027% | 3,582 |
| Efficiency ratio | 77.9365% | 2,854 |
| Assets per employee ($millions) | 4.2969% | 3,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5548% | 1,381 |
| Loan loss allowance to noncurrent loans | 63.9603% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 5.2691% | 1,176 |
| Noncurrent loans to loans | 3.9944% | 1,818 |
| Net loans and leases to total assets | 57.2373% | 4,755 |
| Net loans and leases to deposits | 71.5409% | 4,131 |
| Net loans and leases to core deposits | 76.6421% | 4,213 |
| Total domestic deposits to total assets | 80.0064% | 5,949 |
| Equity capital to assets | 11.0915% | 2,600 |
| Core capital (leverage) ratio | 10.9580% | 2,227 |
| Tier 1 risk-based capital ratio | 16.1843% | 2,818 |
| Total risk-based capital ratio | 17.4470% | 2,777 |
| Memoranda: | ||
| Average total assets | $116,209,500 | 4,582 |
| Average earning assets | $98,828,500 | 4,772 |
| Average equity | $12,805,500 | 4,382 |
| Average total loans | $70,044,500 | 4,617 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3516% | 2,890 |
| Cost of funding earning assets | 1.8665% | 956 |
| Net interest margin | 3.4852% | 5,307 |
| Noninterest income to average assets | 0.7370% | 2,611 |
| Noninterest expense to average assets | 3.4430% | 2,324 |
| Loan and lease loss provision to assets | 0.6840% | 2,406 |
| Net operating income to assets | -0.1795% | 6,088 |
| Return on assets (ROA) | -0.1932% | 6,158 |
| Pretax return on assets | -0.4292% | 6,270 |
| Return on Equity (ROE) | -1.8206% | 6,154 |
| Retained earnings to average equity (ytd only) | -1.8206% | 5,942 |
| Net charge-offs to loans | 1.0651% | 2,081 |
| Credit loss provision to net charge-offs | 103.7613% | 4,334 |
| Earnings coverage of net charge-offs (x) | 0.4189% | 5,690 |
| Efficiency ratio | 92.5747% | 1,143 |
| Assets per employee ($millions) | 4.1572% | 3,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3783% | 1,580 |
| Loan loss allowance to noncurrent loans | 62.6281% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 5.3032% | 1,176 |
| Noncurrent loans to loans | 3.7975% | 1,946 |
| Net loans and leases to total assets | 60.3357% | 4,626 |
| Net loans and leases to deposits | 75.2593% | 3,965 |
| Net loans and leases to core deposits | 82.7602% | 3,785 |
| Total domestic deposits to total assets | 80.1704% | 5,786 |
| Equity capital to assets | 10.9474% | 2,732 |
| Core capital (leverage) ratio | 10.4454% | 2,612 |
| Tier 1 risk-based capital ratio | 15.0090% | 3,249 |
| Total risk-based capital ratio | 16.2698% | 3,193 |
| Memoranda: | ||
| Average total assets | $116,961,600 | 4,554 |
| Average earning assets | $100,081,400 | 4,727 |
| Average equity | $12,413,400 | 4,504 |
| Average total loans | $72,385,600 | 4,594 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3609% | 3,070 |
| Cost of funding earning assets | 1.9413% | 899 |
| Net interest margin | 3.4196% | 5,603 |
| Noninterest income to average assets | 0.8095% | 2,190 |
| Noninterest expense to average assets | 3.4135% | 2,254 |
| Loan and lease loss provision to assets | 0.7685% | 1,988 |
| Net operating income to assets | -0.1936% | 6,312 |
| Return on assets (ROA) | -0.2118% | 6,394 |
| Pretax return on assets | -0.4748% | 6,530 |
| Return on Equity (ROE) | -2.0111% | 6,403 |
| Retained earnings to average equity (ytd only) | -2.0111% | 6,204 |
| Net charge-offs to loans | 0.8607% | 2,292 |
| Credit loss provision to net charge-offs | 144.2308% | 2,726 |
| Earnings coverage of net charge-offs (x) | 0.6047% | 5,424 |
| Efficiency ratio | 91.3746% | 1,182 |
| Assets per employee ($millions) | 4.2964% | 3,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6531% | 1,134 |
| Loan loss allowance to noncurrent loans | 76.4159% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 4.8529% | 1,347 |
| Noncurrent loans to loans | 3.4720% | 2,290 |
| Net loans and leases to total assets | 57.6143% | 5,316 |
| Net loans and leases to deposits | 71.1558% | 4,973 |
| Net loans and leases to core deposits | 80.5247% | 4,444 |
| Total domestic deposits to total assets | 80.9692% | 5,379 |
| Equity capital to assets | 10.4023% | 3,635 |
| Core capital (leverage) ratio | 9.9611% | 3,286 |
| Tier 1 risk-based capital ratio | 14.9160% | 3,293 |
| Total risk-based capital ratio | 16.1797% | 3,269 |
| Memoranda: | ||
| Average total assets | $117,101,500 | 4,606 |
| Average earning assets | $100,204,750 | 4,775 |
| Average equity | $12,331,000 | 4,590 |
| Average total loans | $72,496,250 | 4,657 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4381% | 2,807 |
| Cost of funding earning assets | 1.9920% | 927 |
| Net interest margin | 3.4461% | 5,452 |
| Noninterest income to average assets | 0.7739% | 2,262 |
| Noninterest expense to average assets | 3.3869% | 2,300 |
| Loan and lease loss provision to assets | 1.1634% | 1,221 |
| Net operating income to assets | -0.4292% | 6,596 |
| Return on assets (ROA) | -0.4568% | 6,649 |
| Pretax return on assets | -0.8825% | 6,835 |
| Return on Equity (ROE) | -4.3195% | 6,639 |
| Retained earnings to average equity (ytd only) | -4.3195% | 6,477 |
| Net charge-offs to loans | 0.9352% | 1,966 |
| Credit loss provision to net charge-offs | 197.9472% | 1,996 |
| Earnings coverage of net charge-offs (x) | 0.5513% | 5,187 |
| Efficiency ratio | 91.2680% | 1,240 |
| Assets per employee ($millions) | 4.1466% | 3,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8356% | 968 |
| Loan loss allowance to noncurrent loans | 61.6208% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 5.0977% | 1,248 |
| Noncurrent loans to loans | 4.6016% | 1,566 |
| Net loans and leases to total assets | 57.4195% | 5,501 |
| Net loans and leases to deposits | 70.7260% | 5,171 |
| Net loans and leases to core deposits | 81.7753% | 4,447 |
| Total domestic deposits to total assets | 81.1859% | 5,338 |
| Equity capital to assets | 10.2445% | 3,713 |
| Core capital (leverage) ratio | 10.1579% | 2,991 |
| Tier 1 risk-based capital ratio | 14.2348% | 3,584 |
| Total risk-based capital ratio | 15.5001% | 3,543 |
| Memoranda: | ||
| Average total assets | $116,035,330 | 4,657 |
| Average earning assets | $98,894,670 | 4,848 |
| Average equity | $12,270,000 | 4,606 |
| Average total loans | $72,928,670 | 4,680 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5133% | 2,524 |
| Cost of funding earning assets | 2.0675% | 899 |
| Net interest margin | 3.4458% | 5,393 |
| Noninterest income to average assets | 0.6846% | 2,704 |
| Noninterest expense to average assets | 3.5250% | 1,923 |
| Loan and lease loss provision to assets | 2.3699% | 448 |
| Net operating income to assets | -1.3272% | 7,266 |
| Return on assets (ROA) | -1.3272% | 7,278 |
| Pretax return on assets | -2.2611% | 7,470 |
| Return on Equity (ROE) | -12.3474% | 7,230 |
| Retained earnings to average equity (ytd only) | -12.3474% | 7,090 |
| Net charge-offs to loans | 0.9640% | 1,689 |
| Credit loss provision to net charge-offs | 379.2135% | 1,061 |
| Earnings coverage of net charge-offs (x) | 0.1742% | 4,881 |
| Efficiency ratio | 97.0048% | 967 |
| Assets per employee ($millions) | 3.7572% | 4,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0236% | 803 |
| Loan loss allowance to noncurrent loans | 47.0525% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 6.7160% | 825 |
| Noncurrent loans to loans | 6.4260% | 974 |
| Net loans and leases to total assets | 62.0036% | 4,754 |
| Net loans and leases to deposits | 77.3431% | 4,160 |
| Net loans and leases to core deposits | 93.3670% | 2,925 |
| Total domestic deposits to total assets | 80.1670% | 5,732 |
| Equity capital to assets | 10.7172% | 3,031 |
| Core capital (leverage) ratio | 10.6808% | 2,463 |
| Tier 1 risk-based capital ratio | 14.2199% | 3,524 |
| Total risk-based capital ratio | 15.4865% | 3,486 |
| Memoranda: | ||
| Average total assets | $113,928,000 | 4,769 |
| Average earning assets | $97,510,000 | 4,939 |
| Average equity | $12,245,500 | 4,646 |
| Average total loans | $73,862,000 | 4,720 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2250% | 1,176 |
| Cost of funding earning assets | 2.7435% | 525 |
| Net interest margin | 3.4815% | 5,030 |
| Noninterest income to average assets | 1.0637% | 1,356 |
| Noninterest expense to average assets | 3.4070% | 2,656 |
| Loan and lease loss provision to assets | 2.6342% | 737 |
| Net operating income to assets | -1.1327% | 6,665 |
| Return on assets (ROA) | -1.0413% | 6,605 |
| Pretax return on assets | -1.8631% | 6,885 |
| Return on Equity (ROE) | -10.0010% | 6,622 |
| Retained earnings to average equity (ytd only) | -10.0010% | 6,519 |
| Net charge-offs to loans | 3.4199% | 577 |
| Credit loss provision to net charge-offs | 114.3444% | 4,790 |
| Earnings coverage of net charge-offs (x) | 0.2727% | 5,840 |
| Efficiency ratio | 84.4316% | 2,299 |
| Assets per employee ($millions) | 3.7142% | 4,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2232% | 1,602 |
| Loan loss allowance to noncurrent loans | 25.6481% | 6,755 |
| Noncurrent assets plus other real estate owned to assets | 6.8977% | 741 |
| Noncurrent loans to loans | 8.6681% | 544 |
| Net loans and leases to total assets | 64.2479% | 4,547 |
| Net loans and leases to deposits | 80.0994% | 3,968 |
| Net loans and leases to core deposits | 106.1380% | 3,314 |
| Total domestic deposits to total assets | 80.2102% | 5,613 |
| Equity capital to assets | 10.7791% | 2,889 |
| Core capital (leverage) ratio | 10.6746% | 2,453 |
| Tier 1 risk-based capital ratio | 13.9765% | 3,513 |
| Total risk-based capital ratio | 15.2269% | 3,467 |
| Memoranda: | ||
| Average total assets | $116,202,800 | 4,677 |
| Average earning assets | $99,180,000 | 4,861 |
| Average equity | $12,098,800 | 4,724 |
| Average total loans | $78,277,800 | 4,572 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4191% | 891 |
| Cost of funding earning assets | 2.8532% | 521 |
| Net interest margin | 3.5659% | 4,613 |
| Noninterest income to average assets | 1.3188% | 889 |
| Noninterest expense to average assets | 3.3404% | 2,765 |
| Loan and lease loss provision to assets | 1.0143% | 1,895 |
| Net operating income to assets | 0.0550% | 5,593 |
| Return on assets (ROA) | 0.2450% | 5,090 |
| Pretax return on assets | 0.1958% | 5,312 |
| Return on Equity (ROE) | 2.3736% | 5,040 |
| Retained earnings to average equity (ytd only) | 2.3736% | 3,997 |
| Net charge-offs to loans | 1.3564% | 1,518 |
| Credit loss provision to net charge-offs | 110.3362% | 4,611 |
| Earnings coverage of net charge-offs (x) | 1.1096% | 4,954 |
| Efficiency ratio | 76.6080% | 3,400 |
| Assets per employee ($millions) | 3.5062% | 4,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7473% | 2,451 |
| Loan loss allowance to noncurrent loans | 118.8468% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 2.5179% | 2,753 |
| Noncurrent loans to loans | 1.4702% | 4,481 |
| Net loans and leases to total assets | 69.2140% | 3,673 |
| Net loans and leases to deposits | 86.6590% | 3,194 |
| Net loans and leases to core deposits | 123.3026% | 1,968 |
| Total domestic deposits to total assets | 79.8693% | 5,484 |
| Equity capital to assets | 10.8862% | 3,132 |
| Core capital (leverage) ratio | 10.6756% | 2,649 |
| Tier 1 risk-based capital ratio | 13.7588% | 3,680 |
| Total risk-based capital ratio | 15.0130% | 3,630 |
| Memoranda: | ||
| Average total assets | $116,468,500 | 4,687 |
| Average earning assets | $99,347,250 | 4,881 |
| Average equity | $12,020,750 | 4,783 |
| Average total loans | $78,933,000 | 4,593 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3543% | 1,090 |
| Cost of funding earning assets | 2.9942% | 485 |
| Net interest margin | 3.3600% | 5,321 |
| Noninterest income to average assets | 0.8330% | 2,251 |
| Noninterest expense to average assets | 3.2402% | 3,192 |
| Loan and lease loss provision to assets | 0.3393% | 3,903 |
| Net operating income to assets | 0.0989% | 5,565 |
| Return on assets (ROA) | 0.1866% | 5,392 |
| Pretax return on assets | 0.1985% | 5,471 |
| Return on Equity (ROE) | 1.8400% | 5,361 |
| Retained earnings to average equity (ytd only) | 1.8400% | 4,319 |
| Net charge-offs to loans | 1.0165% | 1,743 |
| Credit loss provision to net charge-offs | 49.8753% | 5,770 |
| Earnings coverage of net charge-offs (x) | 0.6534% | 5,047 |
| Efficiency ratio | 87.9374% | 2,023 |
| Assets per employee ($millions) | 3.6361% | 4,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3975% | 3,736 |
| Loan loss allowance to noncurrent loans | 40.1832% | 5,696 |
| Noncurrent assets plus other real estate owned to assets | 4.0961% | 1,426 |
| Noncurrent loans to loans | 3.4778% | 2,022 |
| Net loans and leases to total assets | 66.5208% | 4,454 |
| Net loans and leases to deposits | 82.3266% | 4,169 |
| Net loans and leases to core deposits | 119.6177% | 2,405 |
| Total domestic deposits to total assets | 80.8012% | 5,148 |
| Equity capital to assets | 10.2401% | 3,682 |
| Core capital (leverage) ratio | 10.1907% | 3,107 |
| Tier 1 risk-based capital ratio | 13.6506% | 3,724 |
| Total risk-based capital ratio | 14.8844% | 3,661 |
| Memoranda: | ||
| Average total assets | $117,892,330 | 4,688 |
| Average earning assets | $100,059,000 | 4,889 |
| Average equity | $11,956,330 | 4,822 |
| Average total loans | $78,898,330 | 4,623 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3131% | 1,262 |
| Cost of funding earning assets | 3.0309% | 568 |
| Net interest margin | 3.2822% | 5,563 |
| Noninterest income to average assets | 0.8832% | 1,919 |
| Noninterest expense to average assets | 3.1721% | 3,103 |
| Loan and lease loss provision to assets | 0.2528% | 3,950 |
| Net operating income to assets | 0.2495% | 5,491 |
| Return on assets (ROA) | 0.2495% | 5,655 |
| Pretax return on assets | 0.2764% | 5,745 |
| Return on Equity (ROE) | 2.4714% | 5,586 |
| Retained earnings to average equity (ytd only) | 2.4714% | 4,498 |
| Net charge-offs to loans | 0.0051% | 5,629 |
| Credit loss provision to net charge-offs | 7,500.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 157.0000% | 278 |
| Efficiency ratio | 85.7013% | 2,108 |
| Assets per employee ($millions) | 3.7518% | 4,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7563% | 1,965 |
| Loan loss allowance to noncurrent loans | 48.4806% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 3.2372% | 1,704 |
| Noncurrent loans to loans | 3.6227% | 1,732 |
| Net loans and leases to total assets | 61.9872% | 5,327 |
| Net loans and leases to deposits | 75.6844% | 5,262 |
| Net loans and leases to core deposits | 113.3684% | 3,070 |
| Total domestic deposits to total assets | 81.9023% | 4,587 |
| Equity capital to assets | 9.7019% | 4,380 |
| Core capital (leverage) ratio | 10.1305% | 3,260 |
| Tier 1 risk-based capital ratio | 13.5193% | 3,849 |
| Total risk-based capital ratio | 14.7768% | 3,771 |
| Memoranda: | ||
| Average total assets | $118,660,500 | 4,690 |
| Average earning assets | $101,884,000 | 4,864 |
| Average equity | $11,977,000 | 4,841 |
| Average total loans | $79,098,500 | 4,641 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8789% | 1,469 |
| Cost of funding earning assets | 3.2601% | 1,023 |
| Net interest margin | 3.6188% | 4,796 |
| Noninterest income to average assets | 0.9313% | 1,851 |
| Noninterest expense to average assets | 3.3520% | 2,816 |
| Loan and lease loss provision to assets | 0.8854% | 1,687 |
| Net operating income to assets | 0.0339% | 6,272 |
| Return on assets (ROA) | -0.1644% | 6,423 |
| Pretax return on assets | -0.3064% | 6,470 |
| Return on Equity (ROE) | -1.5660% | 6,442 |
| Retained earnings to average equity (ytd only) | -1.5660% | 5,756 |
| Net charge-offs to loans | 1.0673% | 1,146 |
| Credit loss provision to net charge-offs | 120.2115% | 4,470 |
| Earnings coverage of net charge-offs (x) | 1.2068% | 5,527 |
| Efficiency ratio | 79.0408% | 2,746 |
| Assets per employee ($millions) | 3.5472% | 4,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6209% | 2,157 |
| Loan loss allowance to noncurrent loans | 40.3984% | 6,036 |
| Noncurrent assets plus other real estate owned to assets | 2.9751% | 1,551 |
| Noncurrent loans to loans | 4.0123% | 1,224 |
| Net loans and leases to total assets | 69.4036% | 4,166 |
| Net loans and leases to deposits | 86.5191% | 4,030 |
| Net loans and leases to core deposits | 133.6296% | 1,618 |
| Total domestic deposits to total assets | 80.2176% | 4,941 |
| Equity capital to assets | 10.5207% | 3,477 |
| Core capital (leverage) ratio | 10.4583% | 3,014 |
| Tier 1 risk-based capital ratio | 13.3139% | 3,922 |
| Total risk-based capital ratio | 14.5536% | 3,837 |
| Memoranda: | ||
| Average total assets | $115,543,200 | 4,619 |
| Average earning assets | $105,671,200 | 4,621 |
| Average equity | $12,133,200 | 4,799 |
| Average total loans | $79,735,400 | 4,524 |