Home > Northeast Georgia Bank > Performance and Condition Ratios
Northeast Georgia Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0957% | 1,862 |
| Cost of funding earning assets | 0.5456% | 4,147 |
| Net interest margin | 4.5502% | 565 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 1.9575% | 3,718 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 2.4414% | 253 |
| Return on assets (ROA) | 2.4414% | 245 |
| Pretax return on assets | 2.5778% | 313 |
| Return on Equity (ROE) | 26.6000% | 264 |
| Retained earnings to average equity (ytd only) | 15.0994% | 318 |
| Net charge-offs to loans | 0.0168% | 2,037 |
| Credit loss provision to net charge-offs | 1,004.2553% | 405 |
| Earnings coverage of net charge-offs (x) | 347.8085% | 386 |
| Efficiency ratio | 42.4442% | 4,304 |
| Assets per employee ($millions) | 7.0424% | 2,044 |
| Cash dividends to net income (ytd only)* | 43.2325% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 1,247 |
| Loan loss allowance to noncurrent loans | 1,277.5076% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 3,251 |
| Noncurrent loans to loans | 0.1124% | 2,967 |
| Net loans and leases to total assets | 45.0100% | 3,860 |
| Net loans and leases to deposits | 50.7116% | 3,925 |
| Net loans and leases to core deposits | 52.8323% | 4,007 |
| Total domestic deposits to total assets | 88.7500% | 1,138 |
| Equity capital to assets | 10.1567% | 1,913 |
| Core capital (leverage) ratio | 12.0615% | 1,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $615,833,600 | 1,449 |
| Average earning assets | $565,078,800 | 1,452 |
| Average equity | $56,525,400 | 1,456 |
| Average total loans | $279,621,800 | 1,874 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9838% | 1,862 |
| Cost of funding earning assets | 0.4486% | 4,204 |
| Net interest margin | 4.5352% | 587 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.0770% | 3,405 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 2.3638% | 303 |
| Return on assets (ROA) | 2.3638% | 294 |
| Pretax return on assets | 2.4937% | 381 |
| Return on Equity (ROE) | 26.4900% | 330 |
| Retained earnings to average equity (ytd only) | 10.5592% | 1,253 |
| Net charge-offs to loans | 0.0174% | 1,785 |
| Credit loss provision to net charge-offs | 733.3333% | 496 |
| Earnings coverage of net charge-offs (x) | 324.0278% | 422 |
| Efficiency ratio | 44.8750% | 4,193 |
| Assets per employee ($millions) | 6.3505% | 2,455 |
| Cash dividends to net income (ytd only)* | 60.1462% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 1,406 |
| Loan loss allowance to noncurrent loans | 442.1634% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.1534% | 2,557 |
| Noncurrent loans to loans | 0.3195% | 2,085 |
| Net loans and leases to total assets | 47.3300% | 3,771 |
| Net loans and leases to deposits | 53.1461% | 3,831 |
| Net loans and leases to core deposits | 55.1093% | 3,896 |
| Total domestic deposits to total assets | 89.0600% | 1,223 |
| Equity capital to assets | 9.5010% | 2,094 |
| Core capital (leverage) ratio | 11.7799% | 1,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $609,577,750 | 1,458 |
| Average earning assets | $562,582,000 | 1,453 |
| Average equity | $54,384,250 | 1,494 |
| Average total loans | $276,371,000 | 1,890 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8357% | 1,915 |
| Cost of funding earning assets | 0.3228% | 4,281 |
| Net interest margin | 4.5129% | 595 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.0506% | 3,459 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 2.3789% | 278 |
| Return on assets (ROA) | 2.3789% | 272 |
| Pretax return on assets | 2.5030% | 359 |
| Return on Equity (ROE) | 27.2300% | 286 |
| Retained earnings to average equity (ytd only) | 3.0702% | 3,457 |
| Net charge-offs to loans | 0.0190% | 1,519 |
| Credit loss provision to net charge-offs | 642.3077% | 553 |
| Earnings coverage of net charge-offs (x) | 302.8846% | 448 |
| Efficiency ratio | 44.5032% | 4,233 |
| Assets per employee ($millions) | 6.5305% | 2,257 |
| Cash dividends to net income (ytd only)* | 88.7251% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 1,528 |
| Loan loss allowance to noncurrent loans | 335.2438% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.1925% | 2,234 |
| Noncurrent loans to loans | 0.4184% | 1,678 |
| Net loans and leases to total assets | 45.3600% | 3,829 |
| Net loans and leases to deposits | 50.3605% | 3,908 |
| Net loans and leases to core deposits | 51.9957% | 3,953 |
| Total domestic deposits to total assets | 90.0700% | 908 |
| Equity capital to assets | 9.0243% | 2,502 |
| Core capital (leverage) ratio | 11.1071% | 1,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $615,906,000 | 1,440 |
| Average earning assets | $569,433,000 | 1,444 |
| Average equity | $53,808,333 | 1,511 |
| Average total loans | $273,976,667 | 1,892 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4125% | 3,312 |
| Cost of funding earning assets | 0.0880% | 4,435 |
| Net interest margin | 3.3246% | 2,493 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 1.7758% | 4,056 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.6386% | 624 |
| Return on assets (ROA) | 1.6386% | 593 |
| Pretax return on assets | 1.6386% | 1,063 |
| Return on Equity (ROE) | 19.1800% | 548 |
| Retained earnings to average equity (ytd only) | 15.4402% | 258 |
| Net charge-offs to loans | 0.0192% | 1,716 |
| Credit loss provision to net charge-offs | 990.0000% | 440 |
| Earnings coverage of net charge-offs (x) | 215.0600% | 624 |
| Efficiency ratio | 50.8322% | 4,078 |
| Assets per employee ($millions) | 7.0382% | 1,945 |
| Cash dividends to net income (ytd only)* | 19.4970% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3122% | 1,842 |
| Loan loss allowance to noncurrent loans | 682.6511% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.0819% | 2,979 |
| Noncurrent loans to loans | 0.1922% | 2,519 |
| Net loans and leases to total assets | 42.0500% | 3,976 |
| Net loans and leases to deposits | 47.2099% | 4,004 |
| Net loans and leases to core deposits | 47.9444% | 4,061 |
| Total domestic deposits to total assets | 89.0600% | 1,703 |
| Equity capital to assets | 8.5685% | 2,659 |
| Core capital (leverage) ratio | 10.5626% | 2,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $626,025,000 | 1,428 |
| Average earning assets | $576,377,200 | 1,435 |
| Average equity | $53,483,800 | 1,533 |
| Average total loans | $260,881,400 | 1,893 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1245% | 3,618 |
| Cost of funding earning assets | 0.0899% | 4,348 |
| Net interest margin | 3.0346% | 3,129 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 1.8604% | 3,842 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.3060% | 1,331 |
| Return on assets (ROA) | 1.3060% | 1,297 |
| Pretax return on assets | 1.3060% | 2,032 |
| Return on Equity (ROE) | 15.3000% | 1,111 |
| Retained earnings to average equity (ytd only) | 10.3073% | 1,253 |
| Net charge-offs to loans | 0.0180% | 1,484 |
| Credit loss provision to net charge-offs | 968.5714% | 416 |
| Earnings coverage of net charge-offs (x) | 184.8571% | 650 |
| Efficiency ratio | 57.4454% | 3,452 |
| Assets per employee ($millions) | 6.9791% | 1,957 |
| Cash dividends to net income (ytd only)* | 32.6211% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 2,267 |
| Loan loss allowance to noncurrent loans | 293.0253% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.1847% | 2,367 |
| Noncurrent loans to loans | 0.4262% | 1,744 |
| Net loans and leases to total assets | 42.7900% | 3,950 |
| Net loans and leases to deposits | 47.4572% | 3,973 |
| Net loans and leases to core deposits | 48.2433% | 4,021 |
| Total domestic deposits to total assets | 90.1700% | 1,583 |
| Equity capital to assets | 7.9438% | 2,935 |
| Core capital (leverage) ratio | 9.9986% | 2,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $625,931,000 | 1,435 |
| Average earning assets | $575,439,500 | 1,442 |
| Average equity | $53,436,500 | 1,552 |
| Average total loans | $259,383,500 | 1,900 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8556% | 3,880 |
| Cost of funding earning assets | 0.0913% | 4,284 |
| Net interest margin | 2.7644% | 3,538 |
| Noninterest income to average assets | 0.4274% | 2,581 |
| Noninterest expense to average assets | 1.8367% | 3,868 |
| Loan and lease loss provision to assets | 0.0580% | 1,545 |
| Net operating income to assets | 1.0623% | 1,931 |
| Return on assets (ROA) | 1.0623% | 1,901 |
| Pretax return on assets | 1.0623% | 2,537 |
| Return on Equity (ROE) | 12.1639% | 1,628 |
| Retained earnings to average equity (ytd only) | 4.8648% | 2,754 |
| Net charge-offs to loans | 0.0133% | 1,518 |
| Credit loss provision to net charge-offs | 1,070.5882% | 384 |
| Earnings coverage of net charge-offs (x) | 206.7647% | 531 |
| Efficiency ratio | 62.1147% | 3,033 |
| Assets per employee ($millions) | 6.7196% | 2,158 |
| Cash dividends to net income (ytd only)* | 60.0060% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2295% | 2,536 |
| Loan loss allowance to noncurrent loans | 349.4577% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.2419% | 2,122 |
| Noncurrent loans to loans | 0.3518% | 2,091 |
| Net loans and leases to total assets | 40.9781% | 4,033 |
| Net loans and leases to deposits | 45.1355% | 4,063 |
| Net loans and leases to core deposits | 46.0352% | 4,122 |
| Total domestic deposits to total assets | 90.7891% | 1,344 |
| Equity capital to assets | 8.0981% | 3,042 |
| Core capital (leverage) ratio | 9.5949% | 2,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $627,528,000 | 1,438 |
| Average earning assets | $574,238,000 | 1,458 |
| Average equity | $54,801,333 | 1,558 |
| Average total loans | $256,128,000 | 1,913 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7408% | 3,862 |
| Cost of funding earning assets | 0.0930% | 4,227 |
| Net interest margin | 2.6478% | 3,530 |
| Noninterest income to average assets | 0.4259% | 2,523 |
| Noninterest expense to average assets | 1.8668% | 3,760 |
| Loan and lease loss provision to assets | 0.0230% | 1,945 |
| Net operating income to assets | 0.9586% | 2,037 |
| Return on assets (ROA) | 0.9586% | 2,034 |
| Pretax return on assets | 0.9586% | 2,578 |
| Return on Equity (ROE) | 10.5887% | 1,761 |
| Retained earnings to average equity (ytd only) | -3.5390% | 4,345 |
| Net charge-offs to loans | 0.0032% | 1,672 |
| Credit loss provision to net charge-offs | 1,800.0000% | 230 |
| Earnings coverage of net charge-offs (x) | 767.5000% | 125 |
| Efficiency ratio | 65.5366% | 2,827 |
| Assets per employee ($millions) | 7.2072% | 1,850 |
| Cash dividends to net income (ytd only)* | 133.4223% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 2,734 |
| Loan loss allowance to noncurrent loans | 313.1712% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.2541% | 2,128 |
| Noncurrent loans to loans | 0.3911% | 2,085 |
| Net loans and leases to total assets | 39.7509% | 4,031 |
| Net loans and leases to deposits | 43.8438% | 4,072 |
| Net loans and leases to core deposits | 44.7580% | 4,128 |
| Total domestic deposits to total assets | 90.6649% | 1,204 |
| Equity capital to assets | 8.4801% | 3,177 |
| Core capital (leverage) ratio | 9.3698% | 2,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $625,471,000 | 1,442 |
| Average earning assets | $572,239,500 | 1,470 |
| Average equity | $56,626,500 | 1,553 |
| Average total loans | $253,163,500 | 1,920 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0576% | 3,766 |
| Cost of funding earning assets | 0.1250% | 4,186 |
| Net interest margin | 2.9325% | 3,366 |
| Noninterest income to average assets | 0.5512% | 2,356 |
| Noninterest expense to average assets | 2.6226% | 1,817 |
| Loan and lease loss provision to assets | 0.0301% | 2,454 |
| Net operating income to assets | 0.4844% | 4,127 |
| Return on assets (ROA) | 0.4847% | 4,168 |
| Pretax return on assets | 0.4847% | 4,278 |
| Return on Equity (ROE) | 5.0231% | 3,994 |
| Retained earnings to average equity (ytd only) | -2.2516% | 4,635 |
| Net charge-offs to loans | 0.0133% | 2,060 |
| Credit loss provision to net charge-offs | 533.3333% | 775 |
| Earnings coverage of net charge-offs (x) | 91.0606% | 920 |
| Efficiency ratio | 83.5990% | 594 |
| Assets per employee ($millions) | 6.7817% | 2,083 |
| Cash dividends to net income (ytd only)* | 144.8252% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 2,869 |
| Loan loss allowance to noncurrent loans | 326.6026% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 2,215 |
| Noncurrent loans to loans | 0.3685% | 2,264 |
| Net loans and leases to total assets | 40.2187% | 4,081 |
| Net loans and leases to deposits | 45.0587% | 4,138 |
| Net loans and leases to core deposits | 46.0703% | 4,182 |
| Total domestic deposits to total assets | 89.2584% | 1,374 |
| Equity capital to assets | 9.6296% | 3,016 |
| Core capital (leverage) ratio | 9.6966% | 2,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $584,032,800 | 1,488 |
| Average earning assets | $515,012,800 | 1,560 |
| Average equity | $56,360,000 | 1,600 |
| Average total loans | $247,883,600 | 1,943 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1083% | 3,790 |
| Cost of funding earning assets | 0.1350% | 4,231 |
| Net interest margin | 2.9733% | 3,374 |
| Noninterest income to average assets | 0.5767% | 2,317 |
| Noninterest expense to average assets | 3.1206% | 790 |
| Loan and lease loss provision to assets | 0.0279% | 2,439 |
| Net operating income to assets | 0.0265% | 4,729 |
| Return on assets (ROA) | 0.0269% | 4,741 |
| Pretax return on assets | 0.0269% | 4,743 |
| Return on Equity (ROE) | 0.2790% | 4,738 |
| Retained earnings to average equity (ytd only) | -9.5830% | 4,844 |
| Net charge-offs to loans | 0.0130% | 1,847 |
| Credit loss provision to net charge-offs | 500.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 9.7500% | 2,064 |
| Efficiency ratio | 98.2882% | 171 |
| Assets per employee ($millions) | 6.5304% | 2,221 |
| Cash dividends to net income (ytd only)* | 3,534.4828% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 2,963 |
| Loan loss allowance to noncurrent loans | 282.3640% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.3014% | 2,264 |
| Noncurrent loans to loans | 0.4272% | 2,280 |
| Net loans and leases to total assets | 41.4881% | 4,124 |
| Net loans and leases to deposits | 46.6365% | 4,202 |
| Net loans and leases to core deposits | 47.5866% | 4,258 |
| Total domestic deposits to total assets | 88.9605% | 1,301 |
| Equity capital to assets | 9.1020% | 3,741 |
| Core capital (leverage) ratio | 9.6516% | 2,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $574,063,000 | 1,522 |
| Average earning assets | $501,655,000 | 1,607 |
| Average equity | $55,430,000 | 1,640 |
| Average total loans | $246,358,000 | 1,983 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1094% | 3,848 |
| Cost of funding earning assets | 0.1461% | 4,236 |
| Net interest margin | 2.9633% | 3,410 |
| Noninterest income to average assets | 0.6187% | 2,135 |
| Noninterest expense to average assets | 3.1125% | 824 |
| Loan and lease loss provision to assets | 0.0314% | 2,357 |
| Net operating income to assets | 0.0268% | 4,763 |
| Return on assets (ROA) | 0.0275% | 4,771 |
| Pretax return on assets | 0.0275% | 4,770 |
| Return on Equity (ROE) | 0.2792% | 4,767 |
| Retained earnings to average equity (ytd only) | -14.3960% | 4,901 |
| Net charge-offs to loans | 0.0155% | 1,638 |
| Credit loss provision to net charge-offs | 468.4211% | 704 |
| Earnings coverage of net charge-offs (x) | 8.6842% | 1,869 |
| Efficiency ratio | 98.1654% | 185 |
| Assets per employee ($millions) | 6.2370% | 2,400 |
| Cash dividends to net income (ytd only)* | 5,256.4103% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2122% | 2,860 |
| Loan loss allowance to noncurrent loans | 260.3839% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.3226% | 2,307 |
| Noncurrent loans to loans | 0.4655% | 2,279 |
| Net loans and leases to total assets | 41.9255% | 4,185 |
| Net loans and leases to deposits | 47.0966% | 4,264 |
| Net loans and leases to core deposits | 48.3550% | 4,310 |
| Total domestic deposits to total assets | 89.0200% | 1,275 |
| Equity capital to assets | 9.4363% | 3,397 |
| Core capital (leverage) ratio | 9.8399% | 2,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $567,328,333 | 1,532 |
| Average earning assets | $488,576,000 | 1,642 |
| Average equity | $55,876,667 | 1,618 |
| Average total loans | $245,290,667 | 1,998 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1439% | 3,793 |
| Cost of funding earning assets | 0.1591% | 4,243 |
| Net interest margin | 2.9848% | 3,297 |
| Noninterest income to average assets | 0.7152% | 1,824 |
| Noninterest expense to average assets | 3.2401% | 666 |
| Loan and lease loss provision to assets | 0.0250% | 2,460 |
| Net operating income to assets | 0.0185% | 4,766 |
| Return on assets (ROA) | 0.0200% | 4,776 |
| Pretax return on assets | 0.0200% | 4,777 |
| Return on Equity (ROE) | 0.1984% | 4,773 |
| Retained earnings to average equity (ytd only) | -28.8549% | 4,945 |
| Net charge-offs to loans | 0.0212% | 1,313 |
| Credit loss provision to net charge-offs | 269.2308% | 790 |
| Earnings coverage of net charge-offs (x) | 4.6923% | 1,717 |
| Efficiency ratio | 98.6754% | 208 |
| Assets per employee ($millions) | 5.9437% | 2,654 |
| Cash dividends to net income (ytd only)* | 14,642.8571% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 2,970 |
| Loan loss allowance to noncurrent loans | 203.8889% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.4296% | 2,112 |
| Noncurrent loans to loans | 0.5852% | 2,108 |
| Net loans and leases to total assets | 42.1689% | 4,223 |
| Net loans and leases to deposits | 47.4417% | 4,284 |
| Net loans and leases to core deposits | 48.8964% | 4,342 |
| Total domestic deposits to total assets | 88.8859% | 1,399 |
| Equity capital to assets | 9.3323% | 3,354 |
| Core capital (leverage) ratio | 10.0679% | 2,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $560,973,000 | 1,535 |
| Average earning assets | $482,711,500 | 1,640 |
| Average equity | $56,448,000 | 1,598 |
| Average total loans | $244,852,000 | 1,995 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5547% | 3,915 |
| Cost of funding earning assets | 0.3139% | 4,066 |
| Net interest margin | 3.2408% | 3,243 |
| Noninterest income to average assets | 0.6528% | 2,017 |
| Noninterest expense to average assets | 2.1439% | 3,841 |
| Loan and lease loss provision to assets | 0.0534% | 3,705 |
| Net operating income to assets | 1.3024% | 1,242 |
| Return on assets (ROA) | 1.3394% | 1,245 |
| Pretax return on assets | 1.3394% | 1,857 |
| Return on Equity (ROE) | 12.3600% | 1,217 |
| Retained earnings to average equity (ytd only) | 3.3748% | 3,138 |
| Net charge-offs to loans | 0.0402% | 2,257 |
| Credit loss provision to net charge-offs | 282.4742% | 1,798 |
| Earnings coverage of net charge-offs (x) | 71.7732% | 959 |
| Efficiency ratio | 61.2598% | 3,267 |
| Assets per employee ($millions) | 5.7411% | 2,589 |
| Cash dividends to net income (ytd only)* | 72.6956% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1960% | 2,972 |
| Loan loss allowance to noncurrent loans | 162.0690% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.3682% | 2,507 |
| Noncurrent loans to loans | 0.7379% | 1,859 |
| Net loans and leases to total assets | 44.1383% | 4,237 |
| Net loans and leases to deposits | 49.9496% | 4,319 |
| Net loans and leases to core deposits | 51.7760% | 4,351 |
| Total domestic deposits to total assets | 88.3658% | 1,295 |
| Equity capital to assets | 10.8345% | 2,398 |
| Core capital (leverage) ratio | 11.2610% | 1,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $513,509,200 | 1,508 |
| Average earning assets | $451,092,600 | 1,593 |
| Average equity | $55,647,200 | 1,539 |
| Average total loans | $241,072,000 | 1,964 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6057% | 3,996 |
| Cost of funding earning assets | 0.3535% | 4,039 |
| Net interest margin | 3.2521% | 3,327 |
| Noninterest income to average assets | 0.5726% | 2,291 |
| Noninterest expense to average assets | 2.2365% | 3,588 |
| Loan and lease loss provision to assets | 0.0576% | 3,634 |
| Net operating income to assets | 1.1486% | 1,824 |
| Return on assets (ROA) | 1.1987% | 1,766 |
| Pretax return on assets | 1.1987% | 2,394 |
| Return on Equity (ROE) | 11.0609% | 1,658 |
| Retained earnings to average equity (ytd only) | -1.1073% | 4,622 |
| Net charge-offs to loans | 0.0627% | 1,709 |
| Credit loss provision to net charge-offs | 192.9204% | 2,137 |
| Earnings coverage of net charge-offs (x) | 40.4690% | 1,351 |
| Efficiency ratio | 64.9659% | 2,599 |
| Assets per employee ($millions) | 5.5804% | 2,637 |
| Cash dividends to net income (ytd only)* | 110.0110% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 3,191 |
| Loan loss allowance to noncurrent loans | 157.1903% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.4198% | 2,488 |
| Noncurrent loans to loans | 0.7021% | 2,036 |
| Net loans and leases to total assets | 48.5495% | 4,188 |
| Net loans and leases to deposits | 54.9153% | 4,300 |
| Net loans and leases to core deposits | 56.8651% | 4,345 |
| Total domestic deposits to total assets | 88.4079% | 1,010 |
| Equity capital to assets | 10.8254% | 2,532 |
| Core capital (leverage) ratio | 11.0538% | 1,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $505,534,500 | 1,506 |
| Average earning assets | $446,135,000 | 1,591 |
| Average equity | $54,786,000 | 1,557 |
| Average total loans | $240,428,000 | 1,969 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6719% | 4,140 |
| Cost of funding earning assets | 0.4014% | 4,029 |
| Net interest margin | 3.2704% | 3,462 |
| Noninterest income to average assets | 0.5825% | 2,196 |
| Noninterest expense to average assets | 2.2540% | 3,645 |
| Loan and lease loss provision to assets | 0.0549% | 3,615 |
| Net operating income to assets | 1.1362% | 1,853 |
| Return on assets (ROA) | 1.2124% | 1,728 |
| Pretax return on assets | 1.2124% | 2,322 |
| Return on Equity (ROE) | 11.1827% | 1,576 |
| Retained earnings to average equity (ytd only) | -7.2950% | 4,856 |
| Net charge-offs to loans | 0.0826% | 1,423 |
| Credit loss provision to net charge-offs | 141.2371% | 2,170 |
| Earnings coverage of net charge-offs (x) | 30.6495% | 1,418 |
| Efficiency ratio | 65.4262% | 2,600 |
| Assets per employee ($millions) | 5.6648% | 2,474 |
| Cash dividends to net income (ytd only)* | 165.2346% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 2,980 |
| Loan loss allowance to noncurrent loans | 151.6658% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.4721% | 2,430 |
| Noncurrent loans to loans | 0.7340% | 2,042 |
| Net loans and leases to total assets | 46.3252% | 4,348 |
| Net loans and leases to deposits | 52.5218% | 4,427 |
| Net loans and leases to core deposits | 54.3329% | 4,489 |
| Total domestic deposits to total assets | 88.2019% | 1,082 |
| Equity capital to assets | 10.3568% | 2,878 |
| Core capital (leverage) ratio | 10.9349% | 2,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $499,192,000 | 1,502 |
| Average earning assets | $436,943,667 | 1,589 |
| Average equity | $54,119,333 | 1,552 |
| Average total loans | $234,732,667 | 1,984 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9833% | 3,842 |
| Cost of funding earning assets | 0.4422% | 4,188 |
| Net interest margin | 3.5411% | 2,845 |
| Noninterest income to average assets | 0.5935% | 2,066 |
| Noninterest expense to average assets | 2.3501% | 3,652 |
| Loan and lease loss provision to assets | 0.0274% | 3,448 |
| Net operating income to assets | 1.3363% | 1,143 |
| Return on assets (ROA) | 1.3412% | 1,220 |
| Pretax return on assets | 1.3412% | 1,748 |
| Return on Equity (ROE) | 12.0736% | 1,083 |
| Retained earnings to average equity (ytd only) | -25.2367% | 5,008 |
| Net charge-offs to loans | 0.1020% | 1,070 |
| Credit loss provision to net charge-offs | 56.8966% | 2,028 |
| Earnings coverage of net charge-offs (x) | 28.3621% | 1,212 |
| Efficiency ratio | 63.2813% | 3,329 |
| Assets per employee ($millions) | 4.9747% | 2,673 |
| Cash dividends to net income (ytd only)* | 309.0235% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1917% | 2,713 |
| Loan loss allowance to noncurrent loans | 124.5179% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.5889% | 2,235 |
| Noncurrent loans to loans | 0.9571% | 1,717 |
| Net loans and leases to total assets | 46.1236% | 4,418 |
| Net loans and leases to deposits | 52.3244% | 4,505 |
| Net loans and leases to core deposits | 54.2404% | 4,563 |
| Total domestic deposits to total assets | 88.1494% | 1,040 |
| Equity capital to assets | 10.8544% | 2,982 |
| Core capital (leverage) ratio | 11.5368% | 2,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $482,542,000 | 1,505 |
| Average earning assets | $425,177,000 | 1,575 |
| Average equity | $53,604,500 | 1,554 |
| Average total loans | $227,371,500 | 2,004 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1481% | 3,931 |
| Cost of funding earning assets | 0.4506% | 4,270 |
| Net interest margin | 3.6976% | 2,822 |
| Noninterest income to average assets | 0.7721% | 1,539 |
| Noninterest expense to average assets | 2.2730% | 4,016 |
| Loan and lease loss provision to assets | 0.0175% | 3,666 |
| Net operating income to assets | 1.7739% | 555 |
| Return on assets (ROA) | 1.7893% | 568 |
| Pretax return on assets | 1.7893% | 968 |
| Return on Equity (ROE) | 16.2803% | 506 |
| Retained earnings to average equity (ytd only) | 7.6443% | 1,097 |
| Net charge-offs to loans | 0.0454% | 2,474 |
| Credit loss provision to net charge-offs | 77.3585% | 2,830 |
| Earnings coverage of net charge-offs (x) | 79.2358% | 796 |
| Efficiency ratio | 55.9246% | 4,212 |
| Assets per employee ($millions) | 4.8731% | 2,747 |
| Cash dividends to net income (ytd only)* | 53.0457% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 2,412 |
| Loan loss allowance to noncurrent loans | 207.3485% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.4288% | 2,674 |
| Noncurrent loans to loans | 0.5811% | 2,442 |
| Net loans and leases to total assets | 46.9952% | 4,477 |
| Net loans and leases to deposits | 53.5498% | 4,552 |
| Net loans and leases to core deposits | 56.0091% | 4,581 |
| Total domestic deposits to total assets | 87.7598% | 1,247 |
| Equity capital to assets | 11.8331% | 2,256 |
| Core capital (leverage) ratio | 12.3650% | 1,559 |
| Tier 1 risk-based capital ratio | 21.1815% | 1,134 |
| Total risk-based capital ratio | 22.1719% | 1,157 |
| Memoranda: | ||
| Average total assets | $468,855,400 | 1,498 |
| Average earning assets | $417,464,000 | 1,558 |
| Average equity | $51,528,600 | 1,555 |
| Average total loans | $233,566,600 | 1,934 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1686% | 3,993 |
| Cost of funding earning assets | 0.4424% | 4,358 |
| Net interest margin | 3.7261% | 2,834 |
| Noninterest income to average assets | 0.8271% | 1,338 |
| Noninterest expense to average assets | 2.3736% | 3,759 |
| Loan and lease loss provision to assets | 0.0137% | 3,628 |
| Net operating income to assets | 1.7628% | 659 |
| Return on assets (ROA) | 1.7833% | 664 |
| Pretax return on assets | 1.7833% | 1,130 |
| Return on Equity (ROE) | 16.5512% | 531 |
| Retained earnings to average equity (ytd only) | 4.7516% | 3,028 |
| Net charge-offs to loans | 0.0499% | 2,119 |
| Credit loss provision to net charge-offs | 54.5455% | 2,749 |
| Earnings coverage of net charge-offs (x) | 70.6593% | 939 |
| Efficiency ratio | 57.1940% | 4,043 |
| Assets per employee ($millions) | 4.7956% | 2,797 |
| Cash dividends to net income (ytd only)* | 71.2913% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1655% | 2,686 |
| Loan loss allowance to noncurrent loans | 273.1928% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.4075% | 2,880 |
| Noncurrent loans to loans | 0.4266% | 3,028 |
| Net loans and leases to total assets | 50.1181% | 4,424 |
| Net loans and leases to deposits | 57.2864% | 4,500 |
| Net loans and leases to core deposits | 59.7419% | 4,546 |
| Total domestic deposits to total assets | 87.4868% | 1,261 |
| Equity capital to assets | 11.6843% | 2,520 |
| Core capital (leverage) ratio | 12.2943% | 1,684 |
| Tier 1 risk-based capital ratio | 19.9789% | 1,361 |
| Total risk-based capital ratio | 20.9432% | 1,384 |
| Memoranda: | ||
| Average total assets | $466,677,750 | 1,512 |
| Average earning assets | $416,184,750 | 1,568 |
| Average equity | $50,283,000 | 1,593 |
| Average total loans | $235,165,750 | 1,938 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1526% | 4,042 |
| Cost of funding earning assets | 0.4250% | 4,416 |
| Net interest margin | 3.7276% | 2,841 |
| Noninterest income to average assets | 0.6097% | 2,100 |
| Noninterest expense to average assets | 2.3226% | 3,948 |
| Loan and lease loss provision to assets | 0.0171% | 3,450 |
| Net operating income to assets | 1.5892% | 931 |
| Return on assets (ROA) | 1.6020% | 951 |
| Pretax return on assets | 1.6020% | 1,543 |
| Return on Equity (ROE) | 15.2912% | 706 |
| Retained earnings to average equity (ytd only) | -2.8302% | 4,962 |
| Net charge-offs to loans | 0.0747% | 1,622 |
| Credit loss provision to net charge-offs | 45.4545% | 2,503 |
| Earnings coverage of net charge-offs (x) | 42.7841% | 1,199 |
| Efficiency ratio | 59.1161% | 3,847 |
| Assets per employee ($millions) | 4.6154% | 2,985 |
| Cash dividends to net income (ytd only)* | 118.5087% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 2,927 |
| Loan loss allowance to noncurrent loans | 186.9745% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.5158% | 2,491 |
| Noncurrent loans to loans | 0.6026% | 2,460 |
| Net loans and leases to total assets | 52.1016% | 4,345 |
| Net loans and leases to deposits | 59.3713% | 4,461 |
| Net loans and leases to core deposits | 61.7460% | 4,512 |
| Total domestic deposits to total assets | 87.7555% | 1,219 |
| Equity capital to assets | 11.1419% | 2,913 |
| Core capital (leverage) ratio | 11.6151% | 2,085 |
| Tier 1 risk-based capital ratio | 18.4951% | 1,672 |
| Total risk-based capital ratio | 19.4264% | 1,714 |
| Memoranda: | ||
| Average total assets | $468,778,000 | 1,514 |
| Average earning assets | $417,427,000 | 1,563 |
| Average equity | $49,113,330 | 1,621 |
| Average total loans | $235,736,670 | 1,936 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0393% | 4,284 |
| Cost of funding earning assets | 0.4151% | 4,424 |
| Net interest margin | 3.6242% | 3,162 |
| Noninterest income to average assets | 0.6067% | 2,015 |
| Noninterest expense to average assets | 2.2928% | 4,041 |
| Loan and lease loss provision to assets | 0.0270% | 3,069 |
| Net operating income to assets | 1.4948% | 1,125 |
| Return on assets (ROA) | 1.4990% | 1,149 |
| Pretax return on assets | 1.4990% | 1,776 |
| Return on Equity (ROE) | 14.7589% | 800 |
| Retained earnings to average equity (ytd only) | -22.1591% | 5,271 |
| Net charge-offs to loans | 0.0635% | 1,406 |
| Credit loss provision to net charge-offs | 86.4865% | 1,742 |
| Earnings coverage of net charge-offs (x) | 48.8108% | 1,046 |
| Efficiency ratio | 60.1060% | 3,794 |
| Assets per employee ($millions) | 4.8393% | 2,728 |
| Cash dividends to net income (ytd only)* | 250.1405% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 2,668 |
| Loan loss allowance to noncurrent loans | 199.4211% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.5818% | 2,327 |
| Noncurrent loans to loans | 0.5940% | 2,560 |
| Net loans and leases to total assets | 48.4763% | 4,558 |
| Net loans and leases to deposits | 54.3466% | 4,666 |
| Net loans and leases to core deposits | 56.5142% | 4,690 |
| Total domestic deposits to total assets | 89.1984% | 767 |
| Equity capital to assets | 10.0062% | 3,817 |
| Core capital (leverage) ratio | 11.0020% | 2,572 |
| Tier 1 risk-based capital ratio | 18.3224% | 1,710 |
| Total risk-based capital ratio | 19.2956% | 1,743 |
| Memoranda: | ||
| Average total assets | $474,705,500 | 1,509 |
| Average earning assets | $420,176,000 | 1,559 |
| Average equity | $48,215,000 | 1,633 |
| Average total loans | $233,216,500 | 1,970 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0348% | 3,931 |
| Cost of funding earning assets | 0.2760% | 4,674 |
| Net interest margin | 3.7588% | 2,831 |
| Noninterest income to average assets | 0.5983% | 2,299 |
| Noninterest expense to average assets | 2.2381% | 4,250 |
| Loan and lease loss provision to assets | 0.0884% | 2,378 |
| Net operating income to assets | 1.5863% | 905 |
| Return on assets (ROA) | 1.5863% | 893 |
| Pretax return on assets | 1.5863% | 1,508 |
| Return on Equity (ROE) | 16.4543% | 544 |
| Retained earnings to average equity (ytd only) | 8.5724% | 1,021 |
| Net charge-offs to loans | 0.1662% | 1,161 |
| Credit loss provision to net charge-offs | 108.9710% | 2,356 |
| Earnings coverage of net charge-offs (x) | 20.6438% | 1,981 |
| Efficiency ratio | 57.1991% | 4,263 |
| Assets per employee ($millions) | 4.7996% | 2,746 |
| Cash dividends to net income (ytd only)* | 47.9018% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 2,667 |
| Loan loss allowance to noncurrent loans | 165.9255% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.6324% | 2,148 |
| Noncurrent loans to loans | 0.7118% | 2,211 |
| Net loans and leases to total assets | 48.6187% | 4,600 |
| Net loans and leases to deposits | 54.5924% | 4,724 |
| Net loans and leases to core deposits | 56.6708% | 4,756 |
| Total domestic deposits to total assets | 89.0575% | 834 |
| Equity capital to assets | 10.2741% | 3,408 |
| Core capital (leverage) ratio | 11.6773% | 1,971 |
| Tier 1 risk-based capital ratio | 18.9408% | 1,529 |
| Total risk-based capital ratio | 19.8996% | 1,541 |
| Memoranda: | ||
| Average total assets | $467,176,200 | 1,495 |
| Average earning assets | $411,964,800 | 1,551 |
| Average equity | $45,039,800 | 1,663 |
| Average total loans | $228,091,800 | 1,961 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0104% | 3,892 |
| Cost of funding earning assets | 0.2388% | 4,851 |
| Net interest margin | 3.7716% | 2,747 |
| Noninterest income to average assets | 0.5950% | 2,335 |
| Noninterest expense to average assets | 2.3236% | 4,043 |
| Loan and lease loss provision to assets | 0.1015% | 1,974 |
| Net operating income to assets | 1.5013% | 1,187 |
| Return on assets (ROA) | 1.5013% | 1,183 |
| Pretax return on assets | 1.5013% | 1,890 |
| Return on Equity (ROE) | 15.8381% | 720 |
| Retained earnings to average equity (ytd only) | 5.1040% | 3,179 |
| Net charge-offs to loans | 0.2135% | 800 |
| Credit loss provision to net charge-offs | 97.5207% | 2,330 |
| Earnings coverage of net charge-offs (x) | 15.4049% | 2,227 |
| Efficiency ratio | 59.1795% | 3,938 |
| Assets per employee ($millions) | 4.4654% | 3,173 |
| Cash dividends to net income (ytd only)* | 67.7740% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 2,775 |
| Loan loss allowance to noncurrent loans | 209.3991% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.5831% | 2,429 |
| Noncurrent loans to loans | 0.5604% | 2,701 |
| Net loans and leases to total assets | 50.2533% | 4,576 |
| Net loans and leases to deposits | 56.2579% | 4,739 |
| Net loans and leases to core deposits | 58.0832% | 4,786 |
| Total domestic deposits to total assets | 89.3266% | 727 |
| Equity capital to assets | 9.8808% | 3,758 |
| Core capital (leverage) ratio | 11.3955% | 2,252 |
| Tier 1 risk-based capital ratio | 18.5185% | 1,661 |
| Total risk-based capital ratio | 19.4798% | 1,688 |
| Memoranda: | ||
| Average total assets | $465,181,000 | 1,512 |
| Average earning assets | $410,888,500 | 1,563 |
| Average equity | $44,095,250 | 1,698 |
| Average total loans | $226,670,750 | 1,981 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0019% | 3,781 |
| Cost of funding earning assets | 0.2147% | 4,950 |
| Net interest margin | 3.7872% | 2,607 |
| Noninterest income to average assets | 0.5875% | 2,394 |
| Noninterest expense to average assets | 2.3193% | 4,104 |
| Loan and lease loss provision to assets | 0.1366% | 1,434 |
| Net operating income to assets | 1.4457% | 1,296 |
| Return on assets (ROA) | 1.4457% | 1,297 |
| Pretax return on assets | 1.4457% | 2,001 |
| Return on Equity (ROE) | 15.4639% | 763 |
| Retained earnings to average equity (ytd only) | -0.7490% | 5,053 |
| Net charge-offs to loans | 0.0755% | 1,570 |
| Credit loss provision to net charge-offs | 376.4706% | 856 |
| Earnings coverage of net charge-offs (x) | 43.6000% | 1,228 |
| Efficiency ratio | 59.4441% | 4,021 |
| Assets per employee ($millions) | 4.5727% | 3,006 |
| Cash dividends to net income (ytd only)* | 104.8435% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 2,377 |
| Loan loss allowance to noncurrent loans | 142.4723% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.6889% | 2,170 |
| Noncurrent loans to loans | 0.8844% | 1,957 |
| Net loans and leases to total assets | 50.7630% | 4,562 |
| Net loans and leases to deposits | 56.5742% | 4,718 |
| Net loans and leases to core deposits | 57.8788% | 4,797 |
| Total domestic deposits to total assets | 89.7281% | 658 |
| Equity capital to assets | 9.5393% | 4,063 |
| Core capital (leverage) ratio | 10.8971% | 2,616 |
| Tier 1 risk-based capital ratio | 17.4711% | 1,949 |
| Total risk-based capital ratio | 18.4960% | 1,971 |
| Memoranda: | ||
| Average total assets | $468,418,330 | 1,506 |
| Average earning assets | $409,904,000 | 1,573 |
| Average equity | $43,792,330 | 1,711 |
| Average total loans | $225,025,670 | 1,989 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1110% | 3,200 |
| Cost of funding earning assets | 0.2192% | 4,900 |
| Net interest margin | 3.8918% | 2,074 |
| Noninterest income to average assets | 0.5705% | 2,422 |
| Noninterest expense to average assets | 2.3072% | 4,176 |
| Loan and lease loss provision to assets | 0.2633% | 539 |
| Net operating income to assets | 1.3561% | 1,461 |
| Return on assets (ROA) | 1.3561% | 1,475 |
| Pretax return on assets | 1.3561% | 2,166 |
| Return on Equity (ROE) | 14.6495% | 866 |
| Retained earnings to average equity (ytd only) | -17.7125% | 5,483 |
| Net charge-offs to loans | 0.0636% | 1,472 |
| Credit loss provision to net charge-offs | 891.4286% | 376 |
| Earnings coverage of net charge-offs (x) | 54.8286% | 894 |
| Efficiency ratio | 58.7578% | 4,259 |
| Assets per employee ($millions) | 4.5478% | 3,077 |
| Cash dividends to net income (ytd only)* | 220.9085% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 1,902 |
| Loan loss allowance to noncurrent loans | 152.6423% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.7536% | 2,064 |
| Noncurrent loans to loans | 0.9063% | 2,008 |
| Net loans and leases to total assets | 45.7171% | 4,807 |
| Net loans and leases to deposits | 50.6754% | 4,936 |
| Net loans and leases to core deposits | 52.4279% | 4,967 |
| Total domestic deposits to total assets | 90.2157% | 576 |
| Equity capital to assets | 9.0386% | 4,515 |
| Core capital (leverage) ratio | 10.3628% | 3,104 |
| Tier 1 risk-based capital ratio | 17.6725% | 1,924 |
| Total risk-based capital ratio | 18.7627% | 1,926 |
| Memoranda: | ||
| Average total assets | $473,993,500 | 1,495 |
| Average earning assets | $408,754,000 | 1,587 |
| Average equity | $43,878,500 | 1,714 |
| Average total loans | $219,996,000 | 2,038 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5502% | 4,693 |
| Cost of funding earning assets | 0.2386% | 4,659 |
| Net interest margin | 3.3116% | 4,118 |
| Noninterest income to average assets | 0.4271% | 3,461 |
| Noninterest expense to average assets | 2.2085% | 4,511 |
| Loan and lease loss provision to assets | -0.1211% | 5,505 |
| Net operating income to assets | 1.2054% | 1,505 |
| Return on assets (ROA) | 1.2086% | 1,522 |
| Pretax return on assets | 1.2086% | 2,742 |
| Return on Equity (ROE) | 13.0475% | 941 |
| Retained earnings to average equity (ytd only) | 5.4551% | 1,843 |
| Net charge-offs to loans | 0.1098% | 1,970 |
| Credit loss provision to net charge-offs | -236.6667% | 4,832 |
| Earnings coverage of net charge-offs (x) | 21.2000% | 1,925 |
| Efficiency ratio | 67.0701% | 3,067 |
| Assets per employee ($millions) | 4.7016% | 2,862 |
| Cash dividends to net income (ytd only)* | 58.1908% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2238% | 2,643 |
| Loan loss allowance to noncurrent loans | 62.3599% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 1.2818% | 1,140 |
| Noncurrent loans to loans | 1.9624% | 784 |
| Net loans and leases to total assets | 45.8982% | 4,896 |
| Net loans and leases to deposits | 51.0491% | 5,024 |
| Net loans and leases to core deposits | 52.7443% | 5,053 |
| Total domestic deposits to total assets | 89.9100% | 600 |
| Equity capital to assets | 9.4707% | 4,253 |
| Core capital (leverage) ratio | 10.9644% | 2,375 |
| Tier 1 risk-based capital ratio | 18.0509% | 1,791 |
| Total risk-based capital ratio | 19.0232% | 1,815 |
| Memoranda: | ||
| Average total assets | $469,226,000 | 1,479 |
| Average earning assets | $406,063,600 | 1,579 |
| Average equity | $43,464,200 | 1,709 |
| Average total loans | $218,501,200 | 2,010 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5020% | 4,810 |
| Cost of funding earning assets | 0.2422% | 4,642 |
| Net interest margin | 3.2598% | 4,299 |
| Noninterest income to average assets | 0.3769% | 3,835 |
| Noninterest expense to average assets | 2.3078% | 4,284 |
| Loan and lease loss provision to assets | -0.1646% | 5,638 |
| Net operating income to assets | 1.0680% | 2,241 |
| Return on assets (ROA) | 1.0729% | 2,263 |
| Pretax return on assets | 1.0729% | 3,411 |
| Return on Equity (ROE) | 11.6497% | 1,443 |
| Retained earnings to average equity (ytd only) | 1.4116% | 4,849 |
| Net charge-offs to loans | 0.1276% | 1,510 |
| Credit loss provision to net charge-offs | -276.9231% | 4,690 |
| Earnings coverage of net charge-offs (x) | 15.2017% | 2,244 |
| Efficiency ratio | 71.8658% | 2,222 |
| Assets per employee ($millions) | 4.4980% | 3,149 |
| Cash dividends to net income (ytd only)* | 87.8828% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2217% | 2,793 |
| Loan loss allowance to noncurrent loans | 60.3157% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 1.4052% | 1,102 |
| Noncurrent loans to loans | 2.0255% | 839 |
| Net loans and leases to total assets | 48.9605% | 4,770 |
| Net loans and leases to deposits | 54.8768% | 4,924 |
| Net loans and leases to core deposits | 56.8458% | 4,953 |
| Total domestic deposits to total assets | 89.2190% | 772 |
| Equity capital to assets | 9.7440% | 4,201 |
| Core capital (leverage) ratio | 10.5253% | 2,962 |
| Tier 1 risk-based capital ratio | 17.7163% | 1,941 |
| Total risk-based capital ratio | 18.7171% | 1,966 |
| Memoranda: | ||
| Average total assets | $466,641,750 | 1,499 |
| Average earning assets | $405,735,500 | 1,588 |
| Average equity | $42,975,750 | 1,746 |
| Average total loans | $217,417,000 | 2,027 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3986% | 4,974 |
| Cost of funding earning assets | 0.2473% | 4,560 |
| Net interest margin | 3.1513% | 4,542 |
| Noninterest income to average assets | 0.2923% | 4,461 |
| Noninterest expense to average assets | 2.2895% | 4,375 |
| Loan and lease loss provision to assets | -0.2485% | 5,719 |
| Net operating income to assets | 0.9636% | 2,592 |
| Return on assets (ROA) | 0.9708% | 2,612 |
| Pretax return on assets | 0.9708% | 3,686 |
| Return on Equity (ROE) | 10.7415% | 1,741 |
| Retained earnings to average equity (ytd only) | -4.7714% | 5,527 |
| Net charge-offs to loans | 0.1760% | 1,122 |
| Credit loss provision to net charge-offs | -309.5238% | 4,569 |
| Earnings coverage of net charge-offs (x) | 8.9048% | 2,475 |
| Efficiency ratio | 76.2019% | 1,689 |
| Assets per employee ($millions) | 4.6928% | 2,803 |
| Cash dividends to net income (ytd only)* | 144.4201% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 2,713 |
| Loan loss allowance to noncurrent loans | 68.5963% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 1.3600% | 1,172 |
| Noncurrent loans to loans | 1.8168% | 987 |
| Net loans and leases to total assets | 46.1592% | 4,946 |
| Net loans and leases to deposits | 51.3906% | 5,085 |
| Net loans and leases to core deposits | 53.1534% | 5,113 |
| Total domestic deposits to total assets | 89.8203% | 595 |
| Equity capital to assets | 9.0335% | 4,866 |
| Core capital (leverage) ratio | 9.9600% | 3,583 |
| Tier 1 risk-based capital ratio | 17.3257% | 2,059 |
| Total risk-based capital ratio | 18.3389% | 2,083 |
| Memoranda: | ||
| Average total assets | $470,756,000 | 1,494 |
| Average earning assets | $405,166,000 | 1,598 |
| Average equity | $42,545,330 | 1,758 |
| Average total loans | $214,830,000 | 2,048 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3798% | 4,975 |
| Cost of funding earning assets | 0.2526% | 4,513 |
| Net interest margin | 3.1271% | 4,577 |
| Noninterest income to average assets | 0.6113% | 2,366 |
| Noninterest expense to average assets | 2.2961% | 4,415 |
| Loan and lease loss provision to assets | 0.0068% | 3,473 |
| Net operating income to assets | 0.9890% | 2,353 |
| Return on assets (ROA) | 0.9890% | 2,402 |
| Pretax return on assets | 0.9890% | 3,412 |
| Return on Equity (ROE) | 10.9408% | 1,590 |
| Retained earnings to average equity (ytd only) | -20.1839% | 5,728 |
| Net charge-offs to loans | 0.3443% | 533 |
| Credit loss provision to net charge-offs | 4.3956% | 2,260 |
| Earnings coverage of net charge-offs (x) | 6.4176% | 2,216 |
| Efficiency ratio | 69.7488% | 2,934 |
| Assets per employee ($millions) | 4.7005% | 2,847 |
| Cash dividends to net income (ytd only)* | 284.4828% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5688% | 1,458 |
| Loan loss allowance to noncurrent loans | 103.9270% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 1.3313% | 1,270 |
| Noncurrent loans to loans | 1.5095% | 1,319 |
| Net loans and leases to total assets | 43.9845% | 5,041 |
| Net loans and leases to deposits | 48.8114% | 5,184 |
| Net loans and leases to core deposits | 50.4590% | 5,202 |
| Total domestic deposits to total assets | 90.1110% | 613 |
| Equity capital to assets | 8.6451% | 5,114 |
| Core capital (leverage) ratio | 9.9081% | 3,615 |
| Tier 1 risk-based capital ratio | 17.3322% | 2,087 |
| Total risk-based capital ratio | 18.5822% | 2,032 |
| Memoranda: | ||
| Average total assets | $469,148,500 | 1,503 |
| Average earning assets | $402,156,000 | 1,617 |
| Average equity | $42,410,000 | 1,761 |
| Average total loans | $211,474,000 | 2,086 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3073% | 5,148 |
| Cost of funding earning assets | 0.2652% | 4,412 |
| Net interest margin | 3.0422% | 4,871 |
| Noninterest income to average assets | 0.6731% | 2,300 |
| Noninterest expense to average assets | 2.2643% | 4,623 |
| Loan and lease loss provision to assets | 0.0075% | 4,210 |
| Net operating income to assets | 1.0948% | 1,920 |
| Return on assets (ROA) | 1.0972% | 2,008 |
| Pretax return on assets | 1.0972% | 3,114 |
| Return on Equity (ROE) | 11.5051% | 1,401 |
| Retained earnings to average equity (ytd only) | 4.6441% | 2,591 |
| Net charge-offs to loans | 0.0245% | 3,558 |
| Credit loss provision to net charge-offs | 66.6667% | 3,162 |
| Earnings coverage of net charge-offs (x) | 98.1373% | 608 |
| Efficiency ratio | 67.2576% | 3,391 |
| Assets per employee ($millions) | 4.5430% | 3,053 |
| Cash dividends to net income (ytd only)* | 59.6347% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6938% | 1,150 |
| Loan loss allowance to noncurrent loans | 98.8811% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 1.6267% | 969 |
| Noncurrent loans to loans | 1.7130% | 1,128 |
| Net loans and leases to total assets | 44.7139% | 5,077 |
| Net loans and leases to deposits | 50.0670% | 5,212 |
| Net loans and leases to core deposits | 51.8622% | 5,232 |
| Total domestic deposits to total assets | 89.3082% | 951 |
| Equity capital to assets | 9.4716% | 4,301 |
| Core capital (leverage) ratio | 10.5943% | 2,780 |
| Tier 1 risk-based capital ratio | 18.6522% | 1,688 |
| Total risk-based capital ratio | 19.9036% | 1,659 |
| Memoranda: | ||
| Average total assets | $454,050,200 | 1,501 |
| Average earning assets | $402,014,000 | 1,557 |
| Average equity | $43,302,600 | 1,714 |
| Average total loans | $208,584,400 | 2,055 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3024% | 5,214 |
| Cost of funding earning assets | 0.2665% | 4,429 |
| Net interest margin | 3.0359% | 4,937 |
| Noninterest income to average assets | 0.7093% | 2,129 |
| Noninterest expense to average assets | 2.2977% | 4,537 |
| Loan and lease loss provision to assets | 0.0074% | 4,079 |
| Net operating income to assets | 1.1070% | 1,962 |
| Return on assets (ROA) | 1.1103% | 2,054 |
| Pretax return on assets | 1.1103% | 3,185 |
| Return on Equity (ROE) | 11.6216% | 1,444 |
| Retained earnings to average equity (ytd only) | 2.4655% | 4,447 |
| Net charge-offs to loans | 0.0320% | 3,009 |
| Credit loss provision to net charge-offs | 50.0000% | 3,029 |
| Earnings coverage of net charge-offs (x) | 75.6943% | 818 |
| Efficiency ratio | 67.3397% | 3,350 |
| Assets per employee ($millions) | 4.4938% | 3,096 |
| Cash dividends to net income (ytd only)* | 78.7854% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6777% | 1,267 |
| Loan loss allowance to noncurrent loans | 106.4273% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 1.6267% | 1,067 |
| Noncurrent loans to loans | 1.5764% | 1,374 |
| Net loans and leases to total assets | 45.9976% | 5,097 |
| Net loans and leases to deposits | 51.9084% | 5,206 |
| Net loans and leases to core deposits | 53.9103% | 5,230 |
| Total domestic deposits to total assets | 88.6130% | 1,100 |
| Equity capital to assets | 9.9450% | 4,181 |
| Core capital (leverage) ratio | 10.4491% | 3,047 |
| Tier 1 risk-based capital ratio | 17.9864% | 1,930 |
| Total risk-based capital ratio | 19.2376% | 1,892 |
| Memoranda: | ||
| Average total assets | $452,851,250 | 1,504 |
| Average earning assets | $403,170,250 | 1,553 |
| Average equity | $43,263,250 | 1,726 |
| Average total loans | $208,554,750 | 2,064 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2893% | 5,306 |
| Cost of funding earning assets | 0.2682% | 4,462 |
| Net interest margin | 3.0210% | 5,037 |
| Noninterest income to average assets | 0.7586% | 1,897 |
| Noninterest expense to average assets | 2.2471% | 4,737 |
| Loan and lease loss provision to assets | 0.0070% | 3,928 |
| Net operating income to assets | 1.1987% | 1,606 |
| Return on assets (ROA) | 1.2017% | 1,688 |
| Pretax return on assets | 1.2017% | 2,777 |
| Return on Equity (ROE) | 12.7514% | 1,092 |
| Retained earnings to average equity (ytd only) | -1.1359% | 5,452 |
| Net charge-offs to loans | 0.0240% | 3,006 |
| Credit loss provision to net charge-offs | 64.0000% | 2,533 |
| Earnings coverage of net charge-offs (x) | 109.4800% | 528 |
| Efficiency ratio | 65.0804% | 3,831 |
| Assets per employee ($millions) | 4.8142% | 2,542 |
| Cash dividends to net income (ytd only)* | 108.9076% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6679% | 1,346 |
| Loan loss allowance to noncurrent loans | 110.0311% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.7529% | 1,003 |
| Noncurrent loans to loans | 1.5158% | 1,443 |
| Net loans and leases to total assets | 45.6734% | 5,148 |
| Net loans and leases to deposits | 51.3249% | 5,279 |
| Net loans and leases to core deposits | 53.1741% | 5,316 |
| Total domestic deposits to total assets | 88.9889% | 923 |
| Equity capital to assets | 9.6491% | 4,616 |
| Core capital (leverage) ratio | 10.0840% | 3,468 |
| Tier 1 risk-based capital ratio | 17.3593% | 2,114 |
| Total risk-based capital ratio | 18.6102% | 2,074 |
| Memoranda: | ||
| Average total assets | $454,007,670 | 1,511 |
| Average earning assets | $404,894,000 | 1,551 |
| Average equity | $42,787,330 | 1,740 |
| Average total loans | $207,995,670 | 2,073 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3089% | 5,304 |
| Cost of funding earning assets | 0.2730% | 4,466 |
| Net interest margin | 3.0359% | 5,031 |
| Noninterest income to average assets | 0.9303% | 1,233 |
| Noninterest expense to average assets | 2.2930% | 4,683 |
| Loan and lease loss provision to assets | 0.0071% | 3,589 |
| Net operating income to assets | 1.3344% | 1,173 |
| Return on assets (ROA) | 1.3406% | 1,230 |
| Pretax return on assets | 1.3406% | 2,134 |
| Return on Equity (ROE) | 14.3983% | 762 |
| Retained earnings to average equity (ytd only) | -6.6958% | 5,706 |
| Net charge-offs to loans | 0.0408% | 2,184 |
| Credit loss provision to net charge-offs | 38.0952% | 2,159 |
| Earnings coverage of net charge-offs (x) | 72.2381% | 678 |
| Efficiency ratio | 63.0900% | 4,288 |
| Assets per employee ($millions) | 4.7104% | 2,725 |
| Cash dividends to net income (ytd only)* | 146.5040% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6606% | 1,456 |
| Loan loss allowance to noncurrent loans | 98.1420% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.7846% | 1,049 |
| Noncurrent loans to loans | 1.6920% | 1,335 |
| Net loans and leases to total assets | 45.4009% | 5,162 |
| Net loans and leases to deposits | 50.7624% | 5,298 |
| Net loans and leases to core deposits | 52.6159% | 5,324 |
| Total domestic deposits to total assets | 89.4381% | 866 |
| Equity capital to assets | 9.2613% | 4,933 |
| Core capital (leverage) ratio | 10.0361% | 3,494 |
| Tier 1 risk-based capital ratio | 17.0671% | 2,265 |
| Total risk-based capital ratio | 18.3180% | 2,225 |
| Memoranda: | ||
| Average total assets | $452,338,000 | 1,515 |
| Average earning assets | $402,917,500 | 1,555 |
| Average equity | $42,116,000 | 1,758 |
| Average total loans | $205,779,000 | 2,091 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3780% | 5,210 |
| Cost of funding earning assets | 0.2904% | 4,364 |
| Net interest margin | 3.0876% | 4,934 |
| Noninterest income to average assets | 0.3658% | 4,291 |
| Noninterest expense to average assets | 2.3295% | 4,707 |
| Loan and lease loss provision to assets | -0.2613% | 6,037 |
| Net operating income to assets | 1.0434% | 2,155 |
| Return on assets (ROA) | 1.0434% | 2,243 |
| Pretax return on assets | 1.0434% | 3,291 |
| Return on Equity (ROE) | 11.0410% | 1,597 |
| Retained earnings to average equity (ytd only) | 5.7864% | 1,906 |
| Net charge-offs to loans | -0.4247% | 6,068 |
| Credit loss provision to net charge-offs | 128.0783% | 2,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8661% | 2,446 |
| Assets per employee ($millions) | 4.4306% | 3,151 |
| Cash dividends to net income (ytd only)* | 47.5923% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7900% | 1,152 |
| Loan loss allowance to noncurrent loans | 100.7088% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 1.7718% | 1,078 |
| Noncurrent loans to loans | 1.7774% | 1,248 |
| Net loans and leases to total assets | 43.9871% | 5,280 |
| Net loans and leases to deposits | 49.2167% | 5,428 |
| Net loans and leases to core deposits | 51.0386% | 5,455 |
| Total domestic deposits to total assets | 89.3742% | 924 |
| Equity capital to assets | 9.3875% | 4,688 |
| Core capital (leverage) ratio | 10.6654% | 2,750 |
| Tier 1 risk-based capital ratio | 18.3895% | 1,861 |
| Total risk-based capital ratio | 19.6414% | 1,808 |
| Memoranda: | ||
| Average total assets | $425,932,800 | 1,560 |
| Average earning assets | $378,774,400 | 1,610 |
| Average equity | $40,249,800 | 1,787 |
| Average total loans | $204,613,400 | 2,033 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4012% | 5,200 |
| Cost of funding earning assets | 0.2933% | 4,415 |
| Net interest margin | 3.1080% | 4,941 |
| Noninterest income to average assets | 0.5081% | 3,311 |
| Noninterest expense to average assets | 2.3829% | 4,556 |
| Loan and lease loss provision to assets | -0.3551% | 6,172 |
| Net operating income to assets | 1.2481% | 1,491 |
| Return on assets (ROA) | 1.2481% | 1,546 |
| Pretax return on assets | 1.2481% | 2,609 |
| Return on Equity (ROE) | 13.1846% | 1,087 |
| Retained earnings to average equity (ytd only) | 6.5038% | 1,955 |
| Net charge-offs to loans | -0.5659% | 6,169 |
| Credit loss provision to net charge-offs | 128.3429% | 1,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7413% | 2,760 |
| Assets per employee ($millions) | 4.3732% | 3,210 |
| Cash dividends to net income (ytd only)* | 50.6713% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7387% | 1,394 |
| Loan loss allowance to noncurrent loans | 109.1692% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 2.0521% | 981 |
| Noncurrent loans to loans | 1.5927% | 1,558 |
| Net loans and leases to total assets | 47.2686% | 5,137 |
| Net loans and leases to deposits | 53.3843% | 5,298 |
| Net loans and leases to core deposits | 55.5968% | 5,326 |
| Total domestic deposits to total assets | 88.5440% | 1,276 |
| Equity capital to assets | 9.9253% | 4,258 |
| Core capital (leverage) ratio | 10.8474% | 2,646 |
| Tier 1 risk-based capital ratio | 17.8549% | 2,068 |
| Total risk-based capital ratio | 19.1064% | 2,038 |
| Memoranda: | ||
| Average total assets | $421,652,250 | 1,585 |
| Average earning assets | $375,499,750 | 1,632 |
| Average equity | $39,914,250 | 1,821 |
| Average total loans | $206,157,000 | 2,035 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3772% | 5,276 |
| Cost of funding earning assets | 0.2953% | 4,444 |
| Net interest margin | 3.0820% | 5,008 |
| Noninterest income to average assets | 0.4140% | 3,977 |
| Noninterest expense to average assets | 2.3384% | 4,750 |
| Loan and lease loss provision to assets | -0.5385% | 6,280 |
| Net operating income to assets | 1.3526% | 1,185 |
| Return on assets (ROA) | 1.3526% | 1,232 |
| Pretax return on assets | 1.3526% | 2,177 |
| Return on Equity (ROE) | 14.5261% | 814 |
| Retained earnings to average equity (ytd only) | 4.3180% | 3,278 |
| Net charge-offs to loans | -0.9330% | 6,266 |
| Credit loss provision to net charge-offs | 117.4093% | 1,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1746% | 2,659 |
| Assets per employee ($millions) | 4.2721% | 3,349 |
| Cash dividends to net income (ytd only)* | 70.2741% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7243% | 1,552 |
| Loan loss allowance to noncurrent loans | 81.3271% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 2.3320% | 856 |
| Noncurrent loans to loans | 2.1202% | 1,137 |
| Net loans and leases to total assets | 48.8896% | 5,024 |
| Net loans and leases to deposits | 54.8134% | 5,202 |
| Net loans and leases to core deposits | 57.2172% | 5,238 |
| Total domestic deposits to total assets | 89.1927% | 1,054 |
| Equity capital to assets | 9.3927% | 4,788 |
| Core capital (leverage) ratio | 10.6790% | 2,755 |
| Tier 1 risk-based capital ratio | 17.2346% | 2,312 |
| Total risk-based capital ratio | 18.4863% | 2,269 |
| Memoranda: | ||
| Average total assets | $420,804,000 | 1,597 |
| Average earning assets | $373,915,000 | 1,646 |
| Average equity | $39,184,670 | 1,854 |
| Average total loans | $206,856,000 | 2,033 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3018% | 5,450 |
| Cost of funding earning assets | 0.2979% | 4,466 |
| Net interest margin | 3.0039% | 5,205 |
| Noninterest income to average assets | 0.4975% | 3,302 |
| Noninterest expense to average assets | 2.3786% | 4,657 |
| Loan and lease loss provision to assets | 0.0076% | 3,608 |
| Net operating income to assets | 0.7729% | 3,399 |
| Return on assets (ROA) | 0.7729% | 3,539 |
| Pretax return on assets | 0.7729% | 4,336 |
| Return on Equity (ROE) | 8.3362% | 2,792 |
| Retained earnings to average equity (ytd only) | -12.2217% | 6,180 |
| Net charge-offs to loans | 0.0195% | 2,767 |
| Credit loss provision to net charge-offs | 80.0000% | 1,825 |
| Earnings coverage of net charge-offs (x) | 81.9000% | 584 |
| Efficiency ratio | 75.2941% | 2,610 |
| Assets per employee ($millions) | 4.3387% | 3,310 |
| Cash dividends to net income (ytd only)* | 246.6091% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8062% | 1,490 |
| Loan loss allowance to noncurrent loans | 80.6719% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 2.5605% | 830 |
| Noncurrent loans to loans | 2.2389% | 1,120 |
| Net loans and leases to total assets | 49.0118% | 4,938 |
| Net loans and leases to deposits | 54.8306% | 5,141 |
| Net loans and leases to core deposits | 57.3501% | 5,162 |
| Total domestic deposits to total assets | 89.3877% | 1,054 |
| Equity capital to assets | 9.2370% | 5,041 |
| Core capital (leverage) ratio | 10.2794% | 3,243 |
| Tier 1 risk-based capital ratio | 16.4479% | 2,706 |
| Total risk-based capital ratio | 17.7004% | 2,647 |
| Memoranda: | ||
| Average total assets | $419,737,500 | 1,614 |
| Average earning assets | $371,913,000 | 1,665 |
| Average equity | $38,914,500 | 1,876 |
| Average total loans | $205,084,000 | 2,051 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6808% | 4,851 |
| Cost of funding earning assets | 0.3148% | 4,633 |
| Net interest margin | 3.3660% | 4,351 |
| Noninterest income to average assets | 0.5005% | 3,504 |
| Noninterest expense to average assets | 2.4344% | 4,746 |
| Loan and lease loss provision to assets | 0.0096% | 4,435 |
| Net operating income to assets | 1.0194% | 2,300 |
| Return on assets (ROA) | 1.0390% | 2,295 |
| Pretax return on assets | 1.0390% | 3,357 |
| Return on Equity (ROE) | 11.5025% | 1,557 |
| Retained earnings to average equity (ytd only) | 8.2417% | 935 |
| Net charge-offs to loans | 0.1572% | 2,462 |
| Credit loss provision to net charge-offs | 12.2642% | 4,073 |
| Earnings coverage of net charge-offs (x) | 13.1824% | 2,296 |
| Efficiency ratio | 70.2906% | 3,483 |
| Assets per employee ($millions) | 4.1863% | 3,571 |
| Cash dividends to net income (ytd only)* | 28.3487% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8970% | 1,320 |
| Loan loss allowance to noncurrent loans | 87.5461% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 2.5622% | 889 |
| Noncurrent loans to loans | 2.1668% | 1,241 |
| Net loans and leases to total assets | 46.8945% | 5,258 |
| Net loans and leases to deposits | 52.5602% | 5,439 |
| Net loans and leases to core deposits | 54.9132% | 5,451 |
| Total domestic deposits to total assets | 89.2204% | 1,107 |
| Equity capital to assets | 9.3055% | 4,947 |
| Core capital (leverage) ratio | 10.7039% | 2,714 |
| Tier 1 risk-based capital ratio | 17.0377% | 2,499 |
| Total risk-based capital ratio | 18.2904% | 2,449 |
| Memoranda: | ||
| Average total assets | $407,408,400 | 1,622 |
| Average earning assets | $358,617,200 | 1,668 |
| Average equity | $36,800,600 | 1,911 |
| Average total loans | $202,245,000 | 2,018 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7378% | 4,747 |
| Cost of funding earning assets | 0.3170% | 4,706 |
| Net interest margin | 3.4208% | 4,147 |
| Noninterest income to average assets | 0.5062% | 3,507 |
| Noninterest expense to average assets | 2.6541% | 4,000 |
| Loan and lease loss provision to assets | 0.0096% | 4,232 |
| Net operating income to assets | 0.8479% | 3,189 |
| Return on assets (ROA) | 0.8785% | 3,123 |
| Pretax return on assets | 0.8785% | 4,082 |
| Return on Equity (ROE) | 9.8025% | 2,308 |
| Retained earnings to average equity (ytd only) | 5.3903% | 2,830 |
| Net charge-offs to loans | 0.0848% | 2,993 |
| Credit loss provision to net charge-offs | 22.4806% | 3,557 |
| Earnings coverage of net charge-offs (x) | 20.1701% | 1,750 |
| Efficiency ratio | 75.5818% | 2,563 |
| Assets per employee ($millions) | 4.0567% | 3,762 |
| Cash dividends to net income (ytd only)* | 45.0112% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9346% | 1,383 |
| Loan loss allowance to noncurrent loans | 72.6824% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 3.0751% | 756 |
| Noncurrent loans to loans | 2.6618% | 1,077 |
| Net loans and leases to total assets | 50.1697% | 4,987 |
| Net loans and leases to deposits | 56.4072% | 5,214 |
| Net loans and leases to core deposits | 58.9856% | 5,265 |
| Total domestic deposits to total assets | 88.9420% | 1,272 |
| Equity capital to assets | 9.4966% | 4,799 |
| Core capital (leverage) ratio | 10.5008% | 3,040 |
| Tier 1 risk-based capital ratio | 16.1840% | 2,966 |
| Total risk-based capital ratio | 17.4372% | 2,921 |
| Memoranda: | ||
| Average total assets | $404,604,250 | 1,643 |
| Average earning assets | $355,459,500 | 1,700 |
| Average equity | $36,262,000 | 1,947 |
| Average total loans | $202,779,250 | 2,029 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7149% | 4,813 |
| Cost of funding earning assets | 0.3165% | 4,805 |
| Net interest margin | 3.3984% | 4,179 |
| Noninterest income to average assets | 0.4408% | 3,935 |
| Noninterest expense to average assets | 2.7022% | 3,854 |
| Loan and lease loss provision to assets | 0.0094% | 4,048 |
| Net operating income to assets | 0.7155% | 3,758 |
| Return on assets (ROA) | 0.7465% | 3,691 |
| Pretax return on assets | 0.7465% | 4,471 |
| Return on Equity (ROE) | 8.4970% | 2,836 |
| Retained earnings to average equity (ytd only) | 1.7623% | 5,016 |
| Net charge-offs to loans | 0.1139% | 2,522 |
| Credit loss provision to net charge-offs | 16.5217% | 3,239 |
| Earnings coverage of net charge-offs (x) | 12.7826% | 2,033 |
| Efficiency ratio | 78.8489% | 2,187 |
| Assets per employee ($millions) | 4.0468% | 3,743 |
| Cash dividends to net income (ytd only)* | 79.2602% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9744% | 1,412 |
| Loan loss allowance to noncurrent loans | 76.4457% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 3.0167% | 840 |
| Noncurrent loans to loans | 2.5827% | 1,194 |
| Net loans and leases to total assets | 48.8167% | 5,102 |
| Net loans and leases to deposits | 54.5019% | 5,320 |
| Net loans and leases to core deposits | 57.1670% | 5,325 |
| Total domestic deposits to total assets | 89.5688% | 1,040 |
| Equity capital to assets | 9.2355% | 5,062 |
| Core capital (leverage) ratio | 10.1558% | 3,408 |
| Tier 1 risk-based capital ratio | 15.8818% | 3,153 |
| Total risk-based capital ratio | 17.1353% | 3,088 |
| Memoranda: | ||
| Average total assets | $405,600,000 | 1,642 |
| Average earning assets | $356,402,330 | 1,698 |
| Average equity | $35,636,000 | 1,961 |
| Average total loans | $201,884,000 | 2,036 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7072% | 4,823 |
| Cost of funding earning assets | 0.3154% | 4,911 |
| Net interest margin | 3.3918% | 4,153 |
| Noninterest income to average assets | 0.4236% | 3,999 |
| Noninterest expense to average assets | 2.8193% | 3,497 |
| Loan and lease loss provision to assets | 0.0089% | 3,709 |
| Net operating income to assets | 0.5723% | 4,341 |
| Return on assets (ROA) | 0.5704% | 4,424 |
| Pretax return on assets | 0.5704% | 4,934 |
| Return on Equity (ROE) | 6.6615% | 3,654 |
| Retained earnings to average equity (ytd only) | -7.1447% | 6,252 |
| Net charge-offs to loans | 0.1683% | 1,710 |
| Credit loss provision to net charge-offs | 10.5882% | 2,599 |
| Earnings coverage of net charge-offs (x) | 6.9412% | 2,176 |
| Efficiency ratio | 82.9085% | 1,812 |
| Assets per employee ($millions) | 4.1311% | 3,660 |
| Cash dividends to net income (ytd only)* | 207.2539% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9882% | 1,537 |
| Loan loss allowance to noncurrent loans | 74.3447% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 3.1285% | 883 |
| Noncurrent loans to loans | 2.6743% | 1,268 |
| Net loans and leases to total assets | 48.2025% | 5,097 |
| Net loans and leases to deposits | 53.4160% | 5,335 |
| Net loans and leases to core deposits | 55.8683% | 5,364 |
| Total domestic deposits to total assets | 90.2398% | 943 |
| Equity capital to assets | 8.6202% | 5,528 |
| Core capital (leverage) ratio | 9.9784% | 3,600 |
| Tier 1 risk-based capital ratio | 15.3879% | 3,505 |
| Total risk-based capital ratio | 16.6415% | 3,454 |
| Memoranda: | ||
| Average total assets | $406,060,500 | 1,648 |
| Average earning assets | $356,388,500 | 1,705 |
| Average equity | $34,767,000 | 1,993 |
| Average total loans | $202,061,000 | 2,034 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8966% | 4,476 |
| Cost of funding earning assets | 0.3517% | 5,115 |
| Net interest margin | 3.5449% | 3,712 |
| Noninterest income to average assets | 0.3800% | 4,596 |
| Noninterest expense to average assets | 2.8298% | 3,617 |
| Loan and lease loss provision to assets | -0.0146% | 6,286 |
| Net operating income to assets | 0.6091% | 4,225 |
| Return on assets (ROA) | 0.6155% | 4,305 |
| Pretax return on assets | 0.6155% | 4,823 |
| Return on Equity (ROE) | 7.2644% | 3,425 |
| Retained earnings to average equity (ytd only) | 7.2644% | 1,331 |
| Net charge-offs to loans | 0.5414% | 1,223 |
| Credit loss provision to net charge-offs | -5.5140% | 5,671 |
| Earnings coverage of net charge-offs (x) | 2.2514% | 4,263 |
| Efficiency ratio | 82.6391% | 1,793 |
| Assets per employee ($millions) | 4.1137% | 3,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0075% | 1,528 |
| Loan loss allowance to noncurrent loans | 63.7217% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 3.5705% | 803 |
| Noncurrent loans to loans | 3.1505% | 1,088 |
| Net loans and leases to total assets | 49.3399% | 5,152 |
| Net loans and leases to deposits | 54.5963% | 5,418 |
| Net loans and leases to core deposits | 57.1929% | 5,449 |
| Total domestic deposits to total assets | 90.3724% | 894 |
| Equity capital to assets | 8.5030% | 5,580 |
| Core capital (leverage) ratio | 10.1013% | 3,429 |
| Tier 1 risk-based capital ratio | 15.3813% | 3,443 |
| Total risk-based capital ratio | 16.6349% | 3,388 |
| Memoranda: | ||
| Average total assets | $405,219,600 | 1,628 |
| Average earning assets | $347,995,400 | 1,720 |
| Average equity | $34,332,000 | 2,001 |
| Average total loans | $197,646,000 | 2,023 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9493% | 4,321 |
| Cost of funding earning assets | 0.3594% | 5,205 |
| Net interest margin | 3.5899% | 3,488 |
| Noninterest income to average assets | 0.5718% | 3,320 |
| Noninterest expense to average assets | 3.0564% | 2,799 |
| Loan and lease loss provision to assets | 0.0099% | 4,793 |
| Net operating income to assets | 0.5744% | 4,447 |
| Return on assets (ROA) | 0.5813% | 4,551 |
| Pretax return on assets | 0.5813% | 5,091 |
| Return on Equity (ROE) | 6.8674% | 3,724 |
| Retained earnings to average equity (ytd only) | 6.8674% | 1,939 |
| Net charge-offs to loans | 0.7783% | 761 |
| Credit loss provision to net charge-offs | 2.6178% | 4,309 |
| Earnings coverage of net charge-offs (x) | 1.5515% | 4,322 |
| Efficiency ratio | 83.9516% | 1,603 |
| Assets per employee ($millions) | 3.9997% | 3,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9885% | 1,747 |
| Loan loss allowance to noncurrent loans | 275.8435% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 3.1030% | 1,181 |
| Noncurrent loans to loans | 0.7209% | 4,410 |
| Net loans and leases to total assets | 50.8863% | 5,018 |
| Net loans and leases to deposits | 56.7862% | 5,306 |
| Net loans and leases to core deposits | 59.3004% | 5,350 |
| Total domestic deposits to total assets | 89.6104% | 1,217 |
| Equity capital to assets | 8.2430% | 5,962 |
| Core capital (leverage) ratio | 10.0488% | 3,604 |
| Tier 1 risk-based capital ratio | 14.8774% | 3,828 |
| Total risk-based capital ratio | 16.1309% | 3,780 |
| Memoranda: | ||
| Average total assets | $405,739,000 | 1,635 |
| Average earning assets | $346,851,500 | 1,739 |
| Average equity | $34,345,250 | 2,021 |
| Average total loans | $196,311,250 | 2,037 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8410% | 4,686 |
| Cost of funding earning assets | 0.3688% | 5,237 |
| Net interest margin | 3.4722% | 3,913 |
| Noninterest income to average assets | 0.5051% | 3,795 |
| Noninterest expense to average assets | 2.9658% | 3,104 |
| Loan and lease loss provision to assets | 0.0093% | 4,679 |
| Net operating income to assets | 0.4993% | 4,803 |
| Return on assets (ROA) | 0.5095% | 4,924 |
| Pretax return on assets | 0.5095% | 5,338 |
| Return on Equity (ROE) | 5.9690% | 4,197 |
| Retained earnings to average equity (ytd only) | 5.9690% | 2,463 |
| Net charge-offs to loans | 0.8498% | 731 |
| Credit loss provision to net charge-offs | 2.3143% | 3,981 |
| Earnings coverage of net charge-offs (x) | 1.2667% | 4,120 |
| Efficiency ratio | 85.3624% | 1,476 |
| Assets per employee ($millions) | 3.8811% | 4,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3089% | 1,248 |
| Loan loss allowance to noncurrent loans | 162.9534% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 3.5185% | 1,096 |
| Noncurrent loans to loans | 1.4169% | 3,172 |
| Net loans and leases to total assets | 46.1545% | 5,515 |
| Net loans and leases to deposits | 51.3335% | 5,744 |
| Net loans and leases to core deposits | 53.4676% | 5,798 |
| Total domestic deposits to total assets | 89.9110% | 1,073 |
| Equity capital to assets | 8.2666% | 6,000 |
| Core capital (leverage) ratio | 9.6208% | 4,048 |
| Tier 1 risk-based capital ratio | 15.1723% | 3,662 |
| Total risk-based capital ratio | 16.4280% | 3,629 |
| Memoranda: | ||
| Average total assets | $408,995,000 | 1,626 |
| Average earning assets | $349,751,330 | 1,727 |
| Average equity | $34,913,670 | 1,992 |
| Average total loans | $193,220,670 | 2,068 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7362% | 5,032 |
| Cost of funding earning assets | 0.3838% | 5,246 |
| Net interest margin | 3.3524% | 4,303 |
| Noninterest income to average assets | 0.4751% | 3,958 |
| Noninterest expense to average assets | 2.9256% | 3,250 |
| Loan and lease loss provision to assets | 0.0097% | 4,332 |
| Net operating income to assets | 0.4256% | 5,025 |
| Return on assets (ROA) | 0.4460% | 5,091 |
| Pretax return on assets | 0.4460% | 5,428 |
| Return on Equity (ROE) | 5.1447% | 4,492 |
| Retained earnings to average equity (ytd only) | 5.1447% | 3,145 |
| Net charge-offs to loans | 0.0473% | 3,369 |
| Credit loss provision to net charge-offs | 43.4783% | 2,705 |
| Earnings coverage of net charge-offs (x) | 19.4783% | 1,220 |
| Efficiency ratio | 87.0483% | 1,414 |
| Assets per employee ($millions) | 3.8552% | 4,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7075% | 907 |
| Loan loss allowance to noncurrent loans | 66.3471% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 4.1735% | 928 |
| Noncurrent loans to loans | 4.0807% | 1,096 |
| Net loans and leases to total assets | 45.2208% | 5,522 |
| Net loans and leases to deposits | 50.4353% | 5,755 |
| Net loans and leases to core deposits | 52.9225% | 5,753 |
| Total domestic deposits to total assets | 89.6610% | 1,257 |
| Equity capital to assets | 8.7022% | 5,807 |
| Core capital (leverage) ratio | 9.4573% | 4,152 |
| Tier 1 risk-based capital ratio | 14.9508% | 3,873 |
| Total risk-based capital ratio | 16.2103% | 3,831 |
| Memoranda: | ||
| Average total assets | $411,673,500 | 1,630 |
| Average earning assets | $354,372,500 | 1,717 |
| Average equity | $35,687,000 | 1,977 |
| Average total loans | $194,481,000 | 2,068 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0509% | 5,142 |
| Cost of funding earning assets | 0.5225% | 5,049 |
| Net interest margin | 3.5285% | 4,384 |
| Noninterest income to average assets | 0.6134% | 3,213 |
| Noninterest expense to average assets | 3.0918% | 2,953 |
| Loan and lease loss provision to assets | 0.3504% | 1,904 |
| Net operating income to assets | 0.1286% | 5,948 |
| Return on assets (ROA) | 0.4165% | 5,284 |
| Pretax return on assets | 0.4165% | 5,531 |
| Return on Equity (ROE) | 4.8872% | 4,730 |
| Retained earnings to average equity (ytd only) | 4.8872% | 2,776 |
| Net charge-offs to loans | 0.6401% | 1,833 |
| Credit loss provision to net charge-offs | 116.9206% | 2,470 |
| Earnings coverage of net charge-offs (x) | 1.5982% | 4,646 |
| Efficiency ratio | 86.5854% | 1,373 |
| Assets per employee ($millions) | 3.8396% | 4,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6385% | 981 |
| Loan loss allowance to noncurrent loans | 58.2755% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 4.4102% | 946 |
| Noncurrent loans to loans | 4.5277% | 941 |
| Net loans and leases to total assets | 46.7403% | 5,544 |
| Net loans and leases to deposits | 52.0776% | 5,799 |
| Net loans and leases to core deposits | 54.4816% | 5,843 |
| Total domestic deposits to total assets | 89.7512% | 1,093 |
| Equity capital to assets | 8.6352% | 5,925 |
| Core capital (leverage) ratio | 9.1676% | 4,631 |
| Tier 1 risk-based capital ratio | 14.6717% | 3,911 |
| Total risk-based capital ratio | 15.9309% | 3,867 |
| Memoranda: | ||
| Average total assets | $416,071,400 | 1,573 |
| Average earning assets | $348,735,600 | 1,712 |
| Average equity | $35,460,000 | 1,951 |
| Average total loans | $194,814,400 | 2,048 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1137% | 5,140 |
| Cost of funding earning assets | 0.5572% | 5,026 |
| Net interest margin | 3.5565% | 4,414 |
| Noninterest income to average assets | 0.6629% | 2,915 |
| Noninterest expense to average assets | 2.9903% | 3,262 |
| Loan and lease loss provision to assets | 0.4622% | 1,343 |
| Net operating income to assets | 0.1709% | 5,987 |
| Return on assets (ROA) | 0.5459% | 4,901 |
| Pretax return on assets | 0.5459% | 5,323 |
| Return on Equity (ROE) | 6.4266% | 4,106 |
| Retained earnings to average equity (ytd only) | 6.4266% | 2,415 |
| Net charge-offs to loans | 0.7703% | 1,437 |
| Credit loss provision to net charge-offs | 128.9661% | 2,231 |
| Earnings coverage of net charge-offs (x) | 1.7665% | 4,385 |
| Efficiency ratio | 82.5267% | 1,752 |
| Assets per employee ($millions) | 3.8362% | 4,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7890% | 892 |
| Loan loss allowance to noncurrent loans | 84.8843% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 4.1906% | 1,136 |
| Noncurrent loans to loans | 3.2857% | 1,673 |
| Net loans and leases to total assets | 45.1579% | 5,856 |
| Net loans and leases to deposits | 50.4757% | 6,078 |
| Net loans and leases to core deposits | 52.8584% | 6,125 |
| Total domestic deposits to total assets | 89.4645% | 1,149 |
| Equity capital to assets | 8.6879% | 6,116 |
| Core capital (leverage) ratio | 9.1311% | 4,865 |
| Tier 1 risk-based capital ratio | 14.9869% | 3,859 |
| Total risk-based capital ratio | 16.2473% | 3,803 |
| Memoranda: | ||
| Average total assets | $417,379,250 | 1,589 |
| Average earning assets | $347,451,000 | 1,734 |
| Average equity | $35,455,750 | 1,962 |
| Average total loans | $194,210,000 | 2,084 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1570% | 5,102 |
| Cost of funding earning assets | 0.5874% | 5,009 |
| Net interest margin | 3.5696% | 4,387 |
| Noninterest income to average assets | 0.7301% | 2,516 |
| Noninterest expense to average assets | 2.7144% | 4,349 |
| Loan and lease loss provision to assets | 0.5890% | 1,018 |
| Net operating income to assets | 0.3893% | 5,249 |
| Return on assets (ROA) | 0.5976% | 4,636 |
| Pretax return on assets | 0.5976% | 5,142 |
| Return on Equity (ROE) | 7.0873% | 3,731 |
| Retained earnings to average equity (ytd only) | 7.0873% | 2,051 |
| Net charge-offs to loans | 0.8373% | 1,319 |
| Credit loss provision to net charge-offs | 151.1002% | 1,830 |
| Earnings coverage of net charge-offs (x) | 2.5098% | 3,758 |
| Efficiency ratio | 73.5063% | 3,158 |
| Assets per employee ($millions) | 3.9253% | 4,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8677% | 890 |
| Loan loss allowance to noncurrent loans | 61.1067% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 5.2515% | 882 |
| Noncurrent loans to loans | 4.6929% | 1,104 |
| Net loans and leases to total assets | 43.6368% | 6,049 |
| Net loans and leases to deposits | 48.6510% | 6,272 |
| Net loans and leases to core deposits | 51.3336% | 6,278 |
| Total domestic deposits to total assets | 89.6936% | 1,107 |
| Equity capital to assets | 8.5729% | 6,144 |
| Core capital (leverage) ratio | 8.9794% | 4,945 |
| Tier 1 risk-based capital ratio | 14.8116% | 3,890 |
| Total risk-based capital ratio | 16.0723% | 3,848 |
| Memoranda: | ||
| Average total assets | $419,682,670 | 1,585 |
| Average earning assets | $348,330,670 | 1,734 |
| Average equity | $35,387,330 | 1,954 |
| Average total loans | $195,387,670 | 2,069 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1650% | 5,232 |
| Cost of funding earning assets | 0.6464% | 4,764 |
| Net interest margin | 3.5186% | 4,598 |
| Noninterest income to average assets | 0.6588% | 2,876 |
| Noninterest expense to average assets | 2.5839% | 4,879 |
| Loan and lease loss provision to assets | 0.5530% | 1,060 |
| Net operating income to assets | 0.4596% | 4,995 |
| Return on assets (ROA) | 0.6055% | 4,537 |
| Pretax return on assets | 0.6055% | 5,097 |
| Return on Equity (ROE) | 7.2411% | 3,635 |
| Retained earnings to average equity (ytd only) | 7.2411% | 2,306 |
| Net charge-offs to loans | 1.0506% | 988 |
| Credit loss provision to net charge-offs | 111.1111% | 2,113 |
| Earnings coverage of net charge-offs (x) | 2.0345% | 3,332 |
| Efficiency ratio | 71.8452% | 3,470 |
| Assets per employee ($millions) | 3.9413% | 4,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5701% | 1,265 |
| Loan loss allowance to noncurrent loans | 52.4343% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 5.2485% | 970 |
| Noncurrent loans to loans | 4.9016% | 1,159 |
| Net loans and leases to total assets | 45.4043% | 5,853 |
| Net loans and leases to deposits | 50.5535% | 6,096 |
| Net loans and leases to core deposits | 53.3577% | 6,109 |
| Total domestic deposits to total assets | 89.8143% | 1,180 |
| Equity capital to assets | 8.4042% | 6,173 |
| Core capital (leverage) ratio | 8.8443% | 5,074 |
| Tier 1 risk-based capital ratio | 14.0610% | 4,428 |
| Total risk-based capital ratio | 15.3191% | 4,386 |
| Memoranda: | ||
| Average total assets | $419,519,000 | 1,587 |
| Average earning assets | $350,254,500 | 1,727 |
| Average equity | $35,077,500 | 1,972 |
| Average total loans | $198,736,500 | 2,047 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3810% | 5,495 |
| Cost of funding earning assets | 1.0722% | 2,859 |
| Net interest margin | 3.3088% | 5,782 |
| Noninterest income to average assets | 0.3236% | 5,226 |
| Noninterest expense to average assets | 3.3084% | 2,496 |
| Loan and lease loss provision to assets | 1.1967% | 736 |
| Net operating income to assets | -1.5154% | 6,908 |
| Return on assets (ROA) | -1.3103% | 6,881 |
| Pretax return on assets | -1.3100% | 6,846 |
| Return on Equity (ROE) | -15.2121% | 6,895 |
| Retained earnings to average equity (ytd only) | -15.2121% | 6,874 |
| Net charge-offs to loans | 3.0054% | 326 |
| Credit loss provision to net charge-offs | 80.2087% | 4,439 |
| Earnings coverage of net charge-offs (x) | -0.2135% | 5,964 |
| Efficiency ratio | 110.6527% | 425 |
| Assets per employee ($millions) | 3.9002% | 4,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4848% | 1,340 |
| Loan loss allowance to noncurrent loans | 46.4163% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 5.8025% | 869 |
| Noncurrent loans to loans | 5.3532% | 1,009 |
| Net loans and leases to total assets | 46.9546% | 5,922 |
| Net loans and leases to deposits | 52.2348% | 6,187 |
| Net loans and leases to core deposits | 55.2681% | 6,207 |
| Total domestic deposits to total assets | 89.8915% | 1,047 |
| Equity capital to assets | 8.3181% | 6,332 |
| Core capital (leverage) ratio | 8.5266% | 5,514 |
| Tier 1 risk-based capital ratio | 13.5653% | 4,645 |
| Total risk-based capital ratio | 14.8227% | 4,611 |
| Memoranda: | ||
| Average total assets | $430,444,200 | 1,514 |
| Average earning assets | $346,862,400 | 1,714 |
| Average equity | $37,075,800 | 1,822 |
| Average total loans | $213,683,000 | 1,924 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4219% | 5,535 |
| Cost of funding earning assets | 1.1221% | 2,818 |
| Net interest margin | 3.2998% | 5,857 |
| Noninterest income to average assets | 0.5453% | 3,547 |
| Noninterest expense to average assets | 2.8558% | 4,122 |
| Loan and lease loss provision to assets | 0.8451% | 1,083 |
| Net operating income to assets | -0.5115% | 6,644 |
| Return on assets (ROA) | -0.3846% | 6,622 |
| Pretax return on assets | -0.3843% | 6,555 |
| Return on Equity (ROE) | -4.4282% | 6,651 |
| Retained earnings to average equity (ytd only) | -4.4282% | 6,553 |
| Net charge-offs to loans | 2.7334% | 377 |
| Credit loss provision to net charge-offs | 61.8309% | 4,751 |
| Earnings coverage of net charge-offs (x) | 0.2443% | 5,413 |
| Efficiency ratio | 89.5335% | 1,197 |
| Assets per employee ($millions) | 3.9918% | 3,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2057% | 1,846 |
| Loan loss allowance to noncurrent loans | 25.2907% | 6,471 |
| Noncurrent assets plus other real estate owned to assets | 7.8380% | 572 |
| Noncurrent loans to loans | 8.7214% | 476 |
| Net loans and leases to total assets | 47.4070% | 6,018 |
| Net loans and leases to deposits | 53.0028% | 6,293 |
| Net loans and leases to core deposits | 55.9448% | 6,324 |
| Total domestic deposits to total assets | 89.4424% | 1,171 |
| Equity capital to assets | 8.7848% | 5,994 |
| Core capital (leverage) ratio | 8.8233% | 5,224 |
| Tier 1 risk-based capital ratio | 13.2949% | 4,880 |
| Total risk-based capital ratio | 14.5498% | 4,850 |
| Memoranda: | ||
| Average total assets | $433,725,250 | 1,513 |
| Average earning assets | $347,565,500 | 1,714 |
| Average equity | $37,666,500 | 1,793 |
| Average total loans | $216,867,750 | 1,903 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5502% | 5,169 |
| Cost of funding earning assets | 1.1865% | 2,665 |
| Net interest margin | 3.3637% | 5,666 |
| Noninterest income to average assets | 0.4960% | 3,900 |
| Noninterest expense to average assets | 2.5917% | 5,222 |
| Loan and lease loss provision to assets | 0.3836% | 2,501 |
| Net operating income to assets | 0.2138% | 5,693 |
| Return on assets (ROA) | 0.2725% | 5,600 |
| Pretax return on assets | 0.2730% | 5,734 |
| Return on Equity (ROE) | 3.1500% | 5,332 |
| Retained earnings to average equity (ytd only) | 3.1500% | 4,269 |
| Net charge-offs to loans | 3.0444% | 335 |
| Credit loss provision to net charge-offs | 24.9478% | 5,069 |
| Earnings coverage of net charge-offs (x) | 0.3888% | 5,011 |
| Efficiency ratio | 81.2572% | 2,209 |
| Assets per employee ($millions) | 4.0312% | 3,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7630% | 3,110 |
| Loan loss allowance to noncurrent loans | 24.8048% | 6,533 |
| Noncurrent assets plus other real estate owned to assets | 7.4142% | 659 |
| Noncurrent loans to loans | 7.1076% | 715 |
| Net loans and leases to total assets | 48.4301% | 6,007 |
| Net loans and leases to deposits | 54.2111% | 6,293 |
| Net loans and leases to core deposits | 57.1907% | 6,334 |
| Total domestic deposits to total assets | 89.3362% | 1,341 |
| Equity capital to assets | 9.0131% | 5,561 |
| Core capital (leverage) ratio | 9.1937% | 4,417 |
| Tier 1 risk-based capital ratio | 13.7156% | 4,369 |
| Total risk-based capital ratio | 14.9661% | 4,346 |
| Memoranda: | ||
| Average total assets | $435,925,330 | 1,518 |
| Average earning assets | $349,081,670 | 1,720 |
| Average equity | $37,714,670 | 1,776 |
| Average total loans | $220,139,000 | 1,908 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5977% | 4,953 |
| Cost of funding earning assets | 1.3184% | 2,078 |
| Net interest margin | 3.2793% | 5,845 |
| Noninterest income to average assets | 0.4235% | 4,504 |
| Noninterest expense to average assets | 2.5494% | 5,392 |
| Loan and lease loss provision to assets | 0.2428% | 3,242 |
| Net operating income to assets | 0.2528% | 5,606 |
| Return on assets (ROA) | 0.2528% | 5,670 |
| Pretax return on assets | 0.2538% | 5,799 |
| Return on Equity (ROE) | 2.9838% | 5,381 |
| Retained earnings to average equity (ytd only) | 2.9838% | 4,377 |
| Net charge-offs to loans | 2.4495% | 475 |
| Credit loss provision to net charge-offs | 19.4019% | 4,259 |
| Earnings coverage of net charge-offs (x) | 0.3968% | 4,326 |
| Efficiency ratio | 83.6979% | 1,992 |
| Assets per employee ($millions) | 4.1831% | 3,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3709% | 1,641 |
| Loan loss allowance to noncurrent loans | 28.2530% | 6,397 |
| Noncurrent assets plus other real estate owned to assets | 7.0106% | 763 |
| Noncurrent loans to loans | 8.3918% | 567 |
| Net loans and leases to total assets | 48.3663% | 6,037 |
| Net loans and leases to deposits | 53.8392% | 6,300 |
| Net loans and leases to core deposits | 56.6314% | 6,360 |
| Total domestic deposits to total assets | 89.8347% | 1,250 |
| Equity capital to assets | 8.5217% | 5,876 |
| Core capital (leverage) ratio | 9.1157% | 4,424 |
| Tier 1 risk-based capital ratio | 13.1257% | 4,730 |
| Total risk-based capital ratio | 14.3816% | 4,705 |
| Memoranda: | ||
| Average total assets | $438,219,500 | 1,520 |
| Average earning assets | $350,438,000 | 1,716 |
| Average equity | $37,133,500 | 1,795 |
| Average total loans | $223,885,500 | 1,904 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0350% | 4,390 |
| Cost of funding earning assets | 1.6899% | 1,650 |
| Net interest margin | 3.3451% | 5,810 |
| Noninterest income to average assets | 1.4710% | 670 |
| Noninterest expense to average assets | 2.6177% | 5,344 |
| Loan and lease loss provision to assets | 1.1015% | 1,452 |
| Net operating income to assets | 0.4460% | 4,330 |
| Return on assets (ROA) | 0.5212% | 4,153 |
| Pretax return on assets | 0.5263% | 4,536 |
| Return on Equity (ROE) | 6.1004% | 3,571 |
| Retained earnings to average equity (ytd only) | 6.1004% | 1,764 |
| Net charge-offs to loans | 1.4185% | 1,569 |
| Credit loss provision to net charge-offs | 136.9823% | 2,793 |
| Earnings coverage of net charge-offs (x) | 1.9299% | 4,280 |
| Efficiency ratio | 62.7813% | 5,559 |
| Assets per employee ($millions) | 3.9389% | 3,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7214% | 1,140 |
| Loan loss allowance to noncurrent loans | 68.2056% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 4.7846% | 1,363 |
| Noncurrent loans to loans | 3.9900% | 1,821 |
| Net loans and leases to total assets | 51.2131% | 6,023 |
| Net loans and leases to deposits | 56.9450% | 6,357 |
| Net loans and leases to core deposits | 59.7511% | 6,411 |
| Total domestic deposits to total assets | 89.9343% | 1,140 |
| Equity capital to assets | 8.4255% | 5,957 |
| Core capital (leverage) ratio | 9.1607% | 4,244 |
| Tier 1 risk-based capital ratio | 13.2478% | 4,413 |
| Total risk-based capital ratio | 14.5071% | 4,359 |
| Memoranda: | ||
| Average total assets | $429,425,800 | 1,555 |
| Average earning assets | $346,414,600 | 1,729 |
| Average equity | $36,686,200 | 1,805 |
| Average total loans | $243,428,000 | 1,800 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1222% | 4,206 |
| Cost of funding earning assets | 1.7222% | 1,758 |
| Net interest margin | 3.4001% | 5,684 |
| Noninterest income to average assets | 1.8040% | 452 |
| Noninterest expense to average assets | 2.6533% | 5,098 |
| Loan and lease loss provision to assets | 1.3920% | 967 |
| Net operating income to assets | 0.4800% | 4,403 |
| Return on assets (ROA) | 0.5131% | 4,442 |
| Pretax return on assets | 0.5193% | 4,862 |
| Return on Equity (ROE) | 5.9847% | 3,819 |
| Retained earnings to average equity (ytd only) | 5.9847% | 2,361 |
| Net charge-offs to loans | 1.7681% | 1,100 |
| Credit loss provision to net charge-offs | 136.3998% | 2,935 |
| Earnings coverage of net charge-offs (x) | 1.8402% | 4,331 |
| Efficiency ratio | 58.5559% | 6,179 |
| Assets per employee ($millions) | 3.8729% | 4,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6083% | 1,196 |
| Loan loss allowance to noncurrent loans | 59.5011% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 4.9402% | 1,310 |
| Noncurrent loans to loans | 4.3836% | 1,658 |
| Net loans and leases to total assets | 54.1482% | 5,829 |
| Net loans and leases to deposits | 60.7266% | 6,248 |
| Net loans and leases to core deposits | 64.2075% | 6,283 |
| Total domestic deposits to total assets | 89.1671% | 1,304 |
| Equity capital to assets | 9.0031% | 5,577 |
| Core capital (leverage) ratio | 9.6825% | 3,644 |
| Tier 1 risk-based capital ratio | 12.8499% | 4,692 |
| Total risk-based capital ratio | 14.1081% | 4,673 |
| Memoranda: | ||
| Average total assets | $427,477,750 | 1,578 |
| Average earning assets | $342,888,000 | 1,770 |
| Average equity | $36,648,250 | 1,827 |
| Average total loans | $246,740,750 | 1,804 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1532% | 4,176 |
| Cost of funding earning assets | 1.7452% | 1,893 |
| Net interest margin | 3.4080% | 5,609 |
| Noninterest income to average assets | 1.5240% | 554 |
| Noninterest expense to average assets | 2.6236% | 5,234 |
| Loan and lease loss provision to assets | 1.1585% | 1,231 |
| Net operating income to assets | 0.4715% | 4,455 |
| Return on assets (ROA) | 0.4715% | 4,611 |
| Pretax return on assets | 0.4715% | 4,998 |
| Return on Equity (ROE) | 5.5932% | 3,997 |
| Retained earnings to average equity (ytd only) | 5.5932% | 2,561 |
| Net charge-offs to loans | 1.9997% | 907 |
| Credit loss provision to net charge-offs | 99.1600% | 4,142 |
| Earnings coverage of net charge-offs (x) | 1.3952% | 4,441 |
| Efficiency ratio | 61.6788% | 5,742 |
| Assets per employee ($millions) | 3.8678% | 4,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0408% | 2,092 |
| Loan loss allowance to noncurrent loans | 42.9448% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 4.8994% | 1,323 |
| Noncurrent loans to loans | 4.7521% | 1,490 |
| Net loans and leases to total assets | 56.0385% | 5,693 |
| Net loans and leases to deposits | 63.0537% | 6,135 |
| Net loans and leases to core deposits | 66.8293% | 6,171 |
| Total domestic deposits to total assets | 88.8744% | 1,506 |
| Equity capital to assets | 8.7397% | 5,823 |
| Core capital (leverage) ratio | 9.8165% | 3,380 |
| Tier 1 risk-based capital ratio | 12.3948% | 4,953 |
| Total risk-based capital ratio | 13.6429% | 4,937 |
| Memoranda: | ||
| Average total assets | $427,964,330 | 1,595 |
| Average earning assets | $342,776,670 | 1,785 |
| Average equity | $36,079,330 | 1,853 |
| Average total loans | $250,034,670 | 1,815 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1599% | 4,243 |
| Cost of funding earning assets | 1.7422% | 2,171 |
| Net interest margin | 3.4177% | 5,511 |
| Noninterest income to average assets | 2.4463% | 262 |
| Noninterest expense to average assets | 2.5889% | 5,396 |
| Loan and lease loss provision to assets | 2.0605% | 534 |
| Net operating income to assets | 0.5191% | 4,298 |
| Return on assets (ROA) | 0.5191% | 4,435 |
| Pretax return on assets | 0.5191% | 4,897 |
| Return on Equity (ROE) | 6.2713% | 3,741 |
| Retained earnings to average equity (ytd only) | 6.2713% | 2,486 |
| Net charge-offs to loans | 2.9760% | 518 |
| Credit loss provision to net charge-offs | 117.2944% | 2,973 |
| Earnings coverage of net charge-offs (x) | 1.4684% | 3,856 |
| Efficiency ratio | 50.0902% | 7,311 |
| Assets per employee ($millions) | 3.8877% | 4,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1153% | 1,925 |
| Loan loss allowance to noncurrent loans | 36.3904% | 5,947 |
| Noncurrent assets plus other real estate owned to assets | 5.4055% | 1,153 |
| Noncurrent loans to loans | 5.8127% | 1,152 |
| Net loans and leases to total assets | 56.9733% | 5,612 |
| Net loans and leases to deposits | 64.1582% | 6,039 |
| Net loans and leases to core deposits | 67.6843% | 6,129 |
| Total domestic deposits to total assets | 88.8012% | 1,618 |
| Equity capital to assets | 8.3508% | 6,224 |
| Core capital (leverage) ratio | 9.7898% | 3,408 |
| Tier 1 risk-based capital ratio | 11.7882% | 5,411 |
| Total risk-based capital ratio | 13.0434% | 5,344 |
| Memoranda: | ||
| Average total assets | $429,217,000 | 1,623 |
| Average earning assets | $341,866,500 | 1,830 |
| Average equity | $35,527,000 | 1,895 |
| Average total loans | $253,358,000 | 1,843 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7066% | 3,073 |
| Cost of funding earning assets | 1.9769% | 3,074 |
| Net interest margin | 3.7297% | 3,999 |
| Noninterest income to average assets | 0.6765% | 3,109 |
| Noninterest expense to average assets | 2.9780% | 4,241 |
| Loan and lease loss provision to assets | 0.7112% | 2,984 |
| Net operating income to assets | 0.1597% | 5,023 |
| Return on assets (ROA) | 0.3901% | 4,266 |
| Pretax return on assets | 0.3901% | 4,522 |
| Return on Equity (ROE) | 4.4273% | 3,914 |
| Retained earnings to average equity (ytd only) | 4.4273% | 2,146 |
| Net charge-offs to loans | 0.8152% | 2,788 |
| Credit loss provision to net charge-offs | 127.8237% | 4,045 |
| Earnings coverage of net charge-offs (x) | 1.5652% | 4,568 |
| Efficiency ratio | 77.3729% | 3,296 |
| Assets per employee ($millions) | 3.7121% | 4,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9515% | 2,140 |
| Loan loss allowance to noncurrent loans | 62.9990% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 3.5985% | 1,860 |
| Noncurrent loans to loans | 3.0977% | 2,464 |
| Net loans and leases to total assets | 58.6922% | 5,533 |
| Net loans and leases to deposits | 65.9877% | 6,048 |
| Net loans and leases to core deposits | 81.6727% | 5,938 |
| Total domestic deposits to total assets | 88.9441% | 1,503 |
| Equity capital to assets | 8.2027% | 6,340 |
| Core capital (leverage) ratio | 9.0053% | 4,410 |
| Tier 1 risk-based capital ratio | 11.4306% | 5,474 |
| Total risk-based capital ratio | 12.6843% | 5,429 |
| Memoranda: | ||
| Average total assets | $391,443,600 | 1,757 |
| Average earning assets | $332,945,200 | 1,867 |
| Average equity | $34,490,400 | 1,951 |
| Average total loans | $267,160,000 | 1,794 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7086% | 3,296 |
| Cost of funding earning assets | 1.9964% | 3,377 |
| Net interest margin | 3.7122% | 4,018 |
| Noninterest income to average assets | 0.6750% | 3,181 |
| Noninterest expense to average assets | 3.0062% | 4,020 |
| Loan and lease loss provision to assets | 0.3969% | 3,936 |
| Net operating income to assets | 0.4855% | 4,051 |
| Return on assets (ROA) | 0.6590% | 3,422 |
| Pretax return on assets | 0.6590% | 3,989 |
| Return on Equity (ROE) | 7.3381% | 2,932 |
| Retained earnings to average equity (ytd only) | 7.3381% | 1,379 |
| Net charge-offs to loans | 0.8951% | 2,174 |
| Credit loss provision to net charge-offs | 62.8240% | 6,127 |
| Earnings coverage of net charge-offs (x) | 1.3966% | 4,737 |
| Efficiency ratio | 77.3078% | 3,271 |
| Assets per employee ($millions) | 3.2909% | 5,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9075% | 6,729 |
| Loan loss allowance to noncurrent loans | 17.5253% | 7,220 |
| Noncurrent assets plus other real estate owned to assets | 8.6015% | 472 |
| Noncurrent loans to loans | 5.1780% | 1,246 |
| Net loans and leases to total assets | 68.1864% | 3,915 |
| Net loans and leases to deposits | 77.2517% | 4,853 |
| Net loans and leases to core deposits | 97.0075% | 4,703 |
| Total domestic deposits to total assets | 88.2653% | 1,530 |
| Equity capital to assets | 8.8713% | 5,676 |
| Core capital (leverage) ratio | 9.2089% | 4,320 |
| Tier 1 risk-based capital ratio | 11.4010% | 5,535 |
| Total risk-based capital ratio | 12.1689% | 5,989 |
| Memoranda: | ||
| Average total assets | $382,580,750 | 1,798 |
| Average earning assets | $331,186,250 | 1,891 |
| Average equity | $34,358,750 | 1,976 |
| Average total loans | $270,064,750 | 1,797 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6242% | 3,943 |
| Cost of funding earning assets | 1.9604% | 3,958 |
| Net interest margin | 3.6638% | 4,102 |
| Noninterest income to average assets | 0.6548% | 3,309 |
| Noninterest expense to average assets | 3.0190% | 4,010 |
| Loan and lease loss provision to assets | 0.2854% | 4,295 |
| Net operating income to assets | 0.5549% | 3,859 |
| Return on assets (ROA) | 0.8122% | 2,903 |
| Pretax return on assets | 0.8122% | 3,631 |
| Return on Equity (ROE) | 9.0043% | 2,357 |
| Retained earnings to average equity (ytd only) | 9.0043% | 935 |
| Net charge-offs to loans | 0.3366% | 3,495 |
| Credit loss provision to net charge-offs | 119.0687% | 3,903 |
| Earnings coverage of net charge-offs (x) | 3.5055% | 3,417 |
| Efficiency ratio | 78.2261% | 3,312 |
| Assets per employee ($millions) | 3.1146% | 5,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 6,554 |
| Loan loss allowance to noncurrent loans | 13.5160% | 7,415 |
| Noncurrent assets plus other real estate owned to assets | 8.5483% | 413 |
| Noncurrent loans to loans | 7.0306% | 693 |
| Net loans and leases to total assets | 71.2315% | 3,413 |
| Net loans and leases to deposits | 81.5631% | 4,290 |
| Net loans and leases to core deposits | 100.6508% | 4,447 |
| Total domestic deposits to total assets | 87.3330% | 2,080 |
| Equity capital to assets | 8.5576% | 5,962 |
| Core capital (leverage) ratio | 10.2296% | 3,061 |
| Tier 1 risk-based capital ratio | 10.9179% | 5,966 |
| Total risk-based capital ratio | 11.7376% | 6,333 |
| Memoranda: | ||
| Average total assets | $376,279,000 | 1,849 |
| Average earning assets | $329,112,330 | 1,920 |
| Average equity | $33,939,330 | 2,000 |
| Average total loans | $267,997,670 | 1,839 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3756% | 5,546 |
| Cost of funding earning assets | 1.8823% | 4,731 |
| Net interest margin | 3.4932% | 4,760 |
| Noninterest income to average assets | 0.5304% | 4,055 |
| Noninterest expense to average assets | 2.8091% | 4,518 |
| Loan and lease loss provision to assets | 0.2962% | 3,578 |
| Net operating income to assets | 0.5260% | 4,307 |
| Return on assets (ROA) | 1.1703% | 1,854 |
| Pretax return on assets | 1.1703% | 2,726 |
| Return on Equity (ROE) | 12.6131% | 1,482 |
| Retained earnings to average equity (ytd only) | 12.6131% | 697 |
| Net charge-offs to loans | 0.1903% | 3,496 |
| Credit loss provision to net charge-offs | 219.6721% | 2,058 |
| Earnings coverage of net charge-offs (x) | 6.0984% | 2,544 |
| Efficiency ratio | 77.3585% | 3,277 |
| Assets per employee ($millions) | 3.1905% | 5,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9259% | 6,626 |
| Loan loss allowance to noncurrent loans | 11.5242% | 7,489 |
| Noncurrent assets plus other real estate owned to assets | 8.4255% | 329 |
| Noncurrent loans to loans | 8.0343% | 446 |
| Net loans and leases to total assets | 72.9339% | 3,021 |
| Net loans and leases to deposits | 82.9992% | 4,134 |
| Net loans and leases to core deposits | 103.6605% | 4,175 |
| Total domestic deposits to total assets | 87.8731% | 1,807 |
| Equity capital to assets | 8.2358% | 6,488 |
| Core capital (leverage) ratio | 11.5741% | 2,102 |
| Tier 1 risk-based capital ratio | 10.4301% | 6,465 |
| Total risk-based capital ratio | 11.2410% | 6,835 |
| Memoranda: | ||
| Average total assets | $361,968,000 | 1,919 |
| Average earning assets | $321,306,000 | 1,974 |
| Average equity | $33,584,000 | 2,019 |
| Average total loans | $256,404,500 | 1,922 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6293% | 2,350 |
| Cost of funding earning assets | 2.3176% | 5,073 |
| Net interest margin | 4.3117% | 1,938 |
| Noninterest income to average assets | 0.7046% | 3,100 |
| Noninterest expense to average assets | 2.9636% | 4,212 |
| Loan and lease loss provision to assets | 0.2117% | 4,777 |
| Net operating income to assets | 1.3264% | 1,411 |
| Return on assets (ROA) | 1.3299% | 1,358 |
| Pretax return on assets | 1.3299% | 2,205 |
| Return on Equity (ROE) | 12.6073% | 1,424 |
| Retained earnings to average equity (ytd only) | 1.2762% | 4,453 |
| Net charge-offs to loans | 0.3189% | 3,263 |
| Credit loss provision to net charge-offs | 101.0511% | 5,255 |
| Earnings coverage of net charge-offs (x) | 7.3423% | 3,137 |
| Efficiency ratio | 65.8329% | 5,160 |
| Assets per employee ($millions) | 3.0311% | 5,983 |
| Cash dividends to net income (ytd only)* | 89.8770% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 3,835 |
| Loan loss allowance to noncurrent loans | 51.1930% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 2.8123% | 1,671 |
| Noncurrent loans to loans | 2.5251% | 2,152 |
| Net loans and leases to total assets | 66.2403% | 4,798 |
| Net loans and leases to deposits | 76.3077% | 5,552 |
| Net loans and leases to core deposits | 87.5066% | 6,023 |
| Total domestic deposits to total assets | 86.8067% | 2,030 |
| Equity capital to assets | 10.6765% | 3,311 |
| Core capital (leverage) ratio | 10.3987% | 3,075 |
| Tier 1 risk-based capital ratio | 13.0037% | 4,107 |
| Total risk-based capital ratio | 14.0784% | 4,130 |
| Memoranda: | ||
| Average total assets | $317,921,600 | 2,110 |
| Average earning assets | $279,982,800 | 2,171 |
| Average equity | $33,536,000 | 2,020 |
| Average total loans | $208,846,400 | 2,214 |