Home > Arkansas County Bank > Performance and Condition Ratios
Arkansas County Bank, Performance and Condition Ratios
| 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 | 3.6018% | 2,635 |
| Cost of funding earning assets | 0.3917% | 2,160 |
| Net interest margin | 3.2100% | 2,663 |
| Noninterest income to average assets | 0.1038% | 4,666 |
| Noninterest expense to average assets | 2.2763% | 2,860 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8639% | 3,225 |
| Return on assets (ROA) | 0.8555% | 3,334 |
| Pretax return on assets | 0.8555% | 3,703 |
| Return on Equity (ROE) | 8.3100% | 3,240 |
| Retained earnings to average equity (ytd only) | 8.3100% | 2,149 |
| Net charge-offs to loans | -0.1430% | 4,721 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4882% | 1,450 |
| Assets per employee ($millions) | 4.3060% | 4,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9897% | 609 |
| Loan loss allowance to noncurrent loans | 107.1386% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 1.0767% | 750 |
| Noncurrent loans to loans | 1.8571% | 610 |
| Net loans and leases to total assets | 46.8255% | 3,901 |
| Net loans and leases to deposits | 58.3062% | 3,621 |
| Net loans and leases to core deposits | 60.5168% | 3,667 |
| Total domestic deposits to total assets | 80.3096% | 4,159 |
| Equity capital to assets | 10.3176% | 2,423 |
| Core capital (leverage) ratio | 9.6663% | 2,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,901,000 | 3,175 |
| Average earning assets | $178,689,000 | 3,137 |
| Average equity | $19,446,500 | 3,287 |
| Average total loans | $92,305,500 | 3,373 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5807% | 1,132 |
| Cost of funding earning assets | 0.5308% | 2,743 |
| Net interest margin | 4.0499% | 878 |
| Noninterest income to average assets | 0.1566% | 4,510 |
| Noninterest expense to average assets | 2.5264% | 2,767 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.4224% | 970 |
| Return on assets (ROA) | 1.4611% | 977 |
| Pretax return on assets | 1.4611% | 1,466 |
| Return on Equity (ROE) | 12.7947% | 1,093 |
| Retained earnings to average equity (ytd only) | -0.3644% | 4,571 |
| Net charge-offs to loans | 0.1030% | 1,436 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 23.8932% | 1,792 |
| Efficiency ratio | 63.9783% | 2,828 |
| Assets per employee ($millions) | 4.4843% | 3,922 |
| Cash dividends to net income (ytd only)* | 102.8481% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8790% | 755 |
| Loan loss allowance to noncurrent loans | 104.6773% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 1.0980% | 833 |
| Noncurrent loans to loans | 1.7950% | 695 |
| Net loans and leases to total assets | 49.0206% | 3,906 |
| Net loans and leases to deposits | 60.6862% | 3,709 |
| Net loans and leases to core deposits | 63.1127% | 3,764 |
| Total domestic deposits to total assets | 80.7772% | 3,914 |
| Equity capital to assets | 10.2714% | 2,863 |
| Core capital (leverage) ratio | 9.6502% | 2,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,015,400 | 3,169 |
| Average earning assets | $162,004,600 | 3,147 |
| Average equity | $19,758,200 | 3,211 |
| Average total loans | $100,013,000 | 3,229 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8116% | 865 |
| Cost of funding earning assets | 0.5696% | 2,807 |
| Net interest margin | 4.2420% | 670 |
| Noninterest income to average assets | 0.1576% | 4,504 |
| Noninterest expense to average assets | 2.6274% | 2,457 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.4918% | 926 |
| Return on assets (ROA) | 1.5430% | 900 |
| Pretax return on assets | 1.5430% | 1,348 |
| Return on Equity (ROE) | 13.1440% | 1,065 |
| Retained earnings to average equity (ytd only) | 13.1440% | 318 |
| Net charge-offs to loans | 0.1235% | 1,142 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 20.1383% | 1,912 |
| Efficiency ratio | 63.7842% | 2,772 |
| Assets per employee ($millions) | 4.2669% | 4,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6186% | 1,048 |
| Loan loss allowance to noncurrent loans | 96.5236% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 1.2388% | 791 |
| Noncurrent loans to loans | 1.6769% | 824 |
| Net loans and leases to total assets | 60.2712% | 3,202 |
| Net loans and leases to deposits | 77.0101% | 2,649 |
| Net loans and leases to core deposits | 80.3625% | 2,810 |
| Total domestic deposits to total assets | 78.2640% | 4,156 |
| Equity capital to assets | 11.9525% | 1,707 |
| Core capital (leverage) ratio | 11.7137% | 1,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,184,500 | 3,186 |
| Average earning assets | $158,002,500 | 3,170 |
| Average equity | $19,861,500 | 3,196 |
| Average total loans | $101,493,000 | 3,214 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8161% | 1,130 |
| Cost of funding earning assets | 0.5896% | 3,020 |
| Net interest margin | 4.2265% | 862 |
| Noninterest income to average assets | 0.1785% | 4,394 |
| Noninterest expense to average assets | 2.6700% | 2,470 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.4508% | 1,020 |
| Return on assets (ROA) | 1.5460% | 924 |
| Pretax return on assets | 1.5460% | 1,350 |
| Return on Equity (ROE) | 13.2561% | 1,041 |
| Retained earnings to average equity (ytd only) | 13.2561% | 333 |
| Net charge-offs to loans | 0.0486% | 1,788 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 50.1250% | 1,104 |
| Efficiency ratio | 64.7937% | 2,693 |
| Assets per employee ($millions) | 3.9226% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7779% | 692 |
| Loan loss allowance to noncurrent loans | 84.9195% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 1.5183% | 613 |
| Noncurrent loans to loans | 2.0937% | 616 |
| Net loans and leases to total assets | 60.4940% | 3,268 |
| Net loans and leases to deposits | 80.3156% | 2,387 |
| Net loans and leases to core deposits | 83.5718% | 2,647 |
| Total domestic deposits to total assets | 75.3203% | 4,490 |
| Equity capital to assets | 12.2237% | 1,528 |
| Core capital (leverage) ratio | 11.7122% | 1,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6343% | 821 |
| Memoranda: | ||
| Average total assets | $165,842,667 | 3,193 |
| Average earning assets | $154,689,333 | 3,182 |
| Average equity | $19,342,000 | 3,239 |
| Average total loans | $98,727,667 | 3,259 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7923% | 1,443 |
| Cost of funding earning assets | 0.6317% | 3,262 |
| Net interest margin | 4.1606% | 1,002 |
| Noninterest income to average assets | 0.2384% | 4,130 |
| Noninterest expense to average assets | 2.9046% | 2,111 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2115% | 1,477 |
| Return on assets (ROA) | 1.4353% | 986 |
| Pretax return on assets | 1.4353% | 1,469 |
| Return on Equity (ROE) | 12.6176% | 953 |
| Retained earnings to average equity (ytd only) | 12.6176% | 360 |
| Net charge-offs to loans | 0.0957% | 1,113 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 21.6522% | 1,383 |
| Efficiency ratio | 70.5674% | 2,271 |
| Assets per employee ($millions) | 3.6234% | 4,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9335% | 567 |
| Loan loss allowance to noncurrent loans | 83.9618% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.6898% | 579 |
| Noncurrent loans to loans | 2.3028% | 547 |
| Net loans and leases to total assets | 58.7927% | 3,610 |
| Net loans and leases to deposits | 77.0930% | 2,967 |
| Net loans and leases to core deposits | 80.5424% | 3,151 |
| Total domestic deposits to total assets | 76.2620% | 4,453 |
| Equity capital to assets | 11.7037% | 2,284 |
| Core capital (leverage) ratio | 11.3841% | 2,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6313% | 913 |
| Memoranda: | ||
| Average total assets | $164,427,500 | 3,180 |
| Average earning assets | $153,246,500 | 3,159 |
| Average equity | $18,704,000 | 3,302 |
| Average total loans | $96,149,500 | 3,275 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9497% | 1,612 |
| Cost of funding earning assets | 0.7051% | 3,140 |
| Net interest margin | 4.2446% | 1,222 |
| Noninterest income to average assets | 0.1859% | 4,553 |
| Noninterest expense to average assets | 2.5129% | 3,413 |
| Loan and lease loss provision to assets | 0.0148% | 3,720 |
| Net operating income to assets | 1.6123% | 812 |
| Return on assets (ROA) | 1.6046% | 889 |
| Pretax return on assets | 1.6046% | 1,477 |
| Return on Equity (ROE) | 14.3498% | 831 |
| Retained earnings to average equity (ytd only) | 0.6280% | 4,509 |
| Net charge-offs to loans | 0.1384% | 1,405 |
| Credit loss provision to net charge-offs | 18.5185% | 3,322 |
| Earnings coverage of net charge-offs (x) | 20.4222% | 1,933 |
| Efficiency ratio | 60.6985% | 3,588 |
| Assets per employee ($millions) | 4.0340% | 3,862 |
| Cash dividends to net income (ytd only)* | 95.6234% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9345% | 519 |
| Loan loss allowance to noncurrent loans | 88.0471% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 1.5570% | 637 |
| Noncurrent loans to loans | 2.1971% | 562 |
| Net loans and leases to total assets | 55.9816% | 3,923 |
| Net loans and leases to deposits | 71.6938% | 3,543 |
| Net loans and leases to core deposits | 78.0815% | 3,442 |
| Total domestic deposits to total assets | 78.0844% | 4,346 |
| Equity capital to assets | 11.0661% | 2,934 |
| Core capital (leverage) ratio | 10.1274% | 3,380 |
| Tier 1 risk-based capital ratio | 17.0199% | 2,044 |
| Total risk-based capital ratio | 18.2753% | 1,984 |
| Memoranda: | ||
| Average total assets | $169,446,200 | 3,115 |
| Average earning assets | $157,847,000 | 3,104 |
| Average equity | $18,948,000 | 3,229 |
| Average total loans | $97,512,800 | 3,259 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9251% | 1,748 |
| Cost of funding earning assets | 0.6566% | 3,421 |
| Net interest margin | 4.2685% | 1,229 |
| Noninterest income to average assets | 0.1833% | 4,625 |
| Noninterest expense to average assets | 2.5895% | 3,194 |
| Loan and lease loss provision to assets | 0.0197% | 3,512 |
| Net operating income to assets | 1.5485% | 1,067 |
| Return on assets (ROA) | 1.5383% | 1,145 |
| Pretax return on assets | 1.5383% | 1,843 |
| Return on Equity (ROE) | 13.7206% | 1,044 |
| Retained earnings to average equity (ytd only) | 13.7206% | 218 |
| Net charge-offs to loans | 0.1487% | 1,097 |
| Credit loss provision to net charge-offs | 22.9358% | 2,951 |
| Earnings coverage of net charge-offs (x) | 18.2844% | 2,056 |
| Efficiency ratio | 62.2824% | 3,281 |
| Assets per employee ($millions) | 4.3095% | 3,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7670% | 722 |
| Loan loss allowance to noncurrent loans | 90.7656% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 1.6420% | 631 |
| Noncurrent loans to loans | 1.9467% | 704 |
| Net loans and leases to total assets | 58.2675% | 3,853 |
| Net loans and leases to deposits | 81.4078% | 2,755 |
| Net loans and leases to core deposits | 95.0117% | 2,085 |
| Total domestic deposits to total assets | 71.5748% | 4,939 |
| Equity capital to assets | 11.4255% | 2,715 |
| Core capital (leverage) ratio | 11.2893% | 2,389 |
| Tier 1 risk-based capital ratio | 17.9150% | 1,845 |
| Total risk-based capital ratio | 19.1708% | 1,785 |
| Memoranda: | ||
| Average total assets | $169,451,000 | 3,150 |
| Average earning assets | $157,771,500 | 3,135 |
| Average equity | $18,997,750 | 3,248 |
| Average total loans | $97,711,250 | 3,298 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7938% | 2,075 |
| Cost of funding earning assets | 0.5616% | 3,828 |
| Net interest margin | 4.2322% | 1,284 |
| Noninterest income to average assets | 0.2029% | 4,535 |
| Noninterest expense to average assets | 2.6364% | 3,093 |
| Loan and lease loss provision to assets | 0.0302% | 3,213 |
| Net operating income to assets | 1.4770% | 1,210 |
| Return on assets (ROA) | 1.4746% | 1,269 |
| Pretax return on assets | 1.4746% | 1,939 |
| Return on Equity (ROE) | 13.2451% | 1,172 |
| Retained earnings to average equity (ytd only) | 13.2451% | 281 |
| Net charge-offs to loans | 0.2476% | 683 |
| Credit loss provision to net charge-offs | 21.3675% | 2,643 |
| Earnings coverage of net charge-offs (x) | 10.6667% | 2,246 |
| Efficiency ratio | 63.6258% | 3,195 |
| Assets per employee ($millions) | 3.9940% | 3,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8582% | 614 |
| Loan loss allowance to noncurrent loans | 89.0198% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 1.7194% | 612 |
| Noncurrent loans to loans | 2.0874% | 667 |
| Net loans and leases to total assets | 58.0923% | 3,906 |
| Net loans and leases to deposits | 81.2096% | 2,814 |
| Net loans and leases to core deposits | 88.5074% | 2,746 |
| Total domestic deposits to total assets | 71.5338% | 4,993 |
| Equity capital to assets | 11.5177% | 2,594 |
| Core capital (leverage) ratio | 11.6516% | 2,060 |
| Tier 1 risk-based capital ratio | 17.4560% | 1,953 |
| Total risk-based capital ratio | 18.7118% | 1,909 |
| Memoranda: | ||
| Average total assets | $165,602,000 | 3,193 |
| Average earning assets | $154,198,000 | 3,189 |
| Average equity | $18,437,000 | 3,301 |
| Average total loans | $94,495,000 | 3,364 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7548% | 2,044 |
| Cost of funding earning assets | 0.5274% | 3,932 |
| Net interest margin | 4.2274% | 1,243 |
| Noninterest income to average assets | 0.1575% | 4,794 |
| Noninterest expense to average assets | 2.8475% | 2,422 |
| Loan and lease loss provision to assets | 0.0615% | 2,426 |
| Net operating income to assets | 1.1739% | 2,158 |
| Return on assets (ROA) | 1.1739% | 2,209 |
| Pretax return on assets | 1.1739% | 2,904 |
| Return on Equity (ROE) | 10.7402% | 2,057 |
| Retained earnings to average equity (ytd only) | 10.7402% | 867 |
| Net charge-offs to loans | 0.2508% | 579 |
| Credit loss provision to net charge-offs | 43.8596% | 2,009 |
| Earnings coverage of net charge-offs (x) | 8.8070% | 2,067 |
| Efficiency ratio | 69.7408% | 2,388 |
| Assets per employee ($millions) | 3.9045% | 4,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1454% | 388 |
| Loan loss allowance to noncurrent loans | 80.1069% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 1.9074% | 536 |
| Noncurrent loans to loans | 2.6782% | 461 |
| Net loans and leases to total assets | 54.2082% | 4,197 |
| Net loans and leases to deposits | 69.3314% | 3,822 |
| Net loans and leases to core deposits | 75.6053% | 3,686 |
| Total domestic deposits to total assets | 78.1871% | 4,487 |
| Equity capital to assets | 11.2300% | 2,624 |
| Core capital (leverage) ratio | 11.5862% | 2,068 |
| Tier 1 risk-based capital ratio | 17.9697% | 1,798 |
| Total risk-based capital ratio | 19.2281% | 1,760 |
| Memoranda: | ||
| Average total assets | $162,531,000 | 3,269 |
| Average earning assets | $150,920,500 | 3,258 |
| Average equity | $17,765,000 | 3,376 |
| Average total loans | $90,913,000 | 3,471 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6255% | 2,063 |
| Cost of funding earning assets | 0.5518% | 3,037 |
| Net interest margin | 4.0736% | 1,762 |
| Noninterest income to average assets | 0.2058% | 4,689 |
| Noninterest expense to average assets | 2.5207% | 3,553 |
| Loan and lease loss provision to assets | 0.1779% | 1,107 |
| Net operating income to assets | 1.3021% | 1,789 |
| Return on assets (ROA) | 1.2879% | 1,845 |
| Pretax return on assets | 1.2879% | 2,547 |
| Return on Equity (ROE) | 12.5745% | 1,520 |
| Retained earnings to average equity (ytd only) | 2.4431% | 4,167 |
| Net charge-offs to loans | 0.2334% | 835 |
| Credit loss provision to net charge-offs | 135.7466% | 1,967 |
| Earnings coverage of net charge-offs (x) | 11.2941% | 2,636 |
| Efficiency ratio | 63.0058% | 3,342 |
| Assets per employee ($millions) | 3.5016% | 4,545 |
| Cash dividends to net income (ytd only)* | 80.5709% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1774% | 343 |
| Loan loss allowance to noncurrent loans | 62.7892% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 2.3778% | 338 |
| Noncurrent loans to loans | 3.4678% | 259 |
| Net loans and leases to total assets | 55.2548% | 4,185 |
| Net loans and leases to deposits | 71.3518% | 3,722 |
| Net loans and leases to core deposits | 74.9177% | 3,790 |
| Total domestic deposits to total assets | 77.4399% | 4,570 |
| Equity capital to assets | 10.6251% | 3,051 |
| Core capital (leverage) ratio | 10.7617% | 2,773 |
| Tier 1 risk-based capital ratio | 17.9077% | 1,781 |
| Total risk-based capital ratio | 19.1661% | 1,739 |
| Memoranda: | ||
| Average total assets | $168,645,800 | 3,186 |
| Average earning assets | $157,108,000 | 3,167 |
| Average equity | $17,273,000 | 3,364 |
| Average total loans | $94,678,200 | 3,395 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4900% | 2,340 |
| Cost of funding earning assets | 0.5050% | 3,167 |
| Net interest margin | 3.9850% | 1,996 |
| Noninterest income to average assets | 0.2056% | 4,734 |
| Noninterest expense to average assets | 2.5816% | 3,339 |
| Loan and lease loss provision to assets | 0.1759% | 1,043 |
| Net operating income to assets | 1.1680% | 2,376 |
| Return on assets (ROA) | 1.1493% | 2,451 |
| Pretax return on assets | 1.1493% | 3,197 |
| Return on Equity (ROE) | 11.3208% | 2,044 |
| Retained earnings to average equity (ytd only) | 11.3208% | 585 |
| Net charge-offs to loans | 0.2943% | 565 |
| Credit loss provision to net charge-offs | 106.6351% | 2,168 |
| Earnings coverage of net charge-offs (x) | 8.1468% | 2,742 |
| Efficiency ratio | 65.7638% | 2,911 |
| Assets per employee ($millions) | 3.8155% | 4,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8013% | 723 |
| Loan loss allowance to noncurrent loans | 53.9718% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 2.4073% | 374 |
| Noncurrent loans to loans | 3.3375% | 302 |
| Net loans and leases to total assets | 59.5125% | 3,901 |
| Net loans and leases to deposits | 88.5073% | 2,085 |
| Net loans and leases to core deposits | 93.7293% | 2,316 |
| Total domestic deposits to total assets | 67.2402% | 5,299 |
| Equity capital to assets | 10.0165% | 3,633 |
| Core capital (leverage) ratio | 11.0018% | 2,576 |
| Tier 1 risk-based capital ratio | 17.0296% | 2,102 |
| Total risk-based capital ratio | 18.2853% | 2,039 |
| Memoranda: | ||
| Average total assets | $170,539,250 | 3,192 |
| Average earning assets | $159,193,500 | 3,176 |
| Average equity | $17,312,750 | 3,389 |
| Average total loans | $95,602,500 | 3,412 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3162% | 2,709 |
| Cost of funding earning assets | 0.4328% | 3,477 |
| Net interest margin | 3.8835% | 2,266 |
| Noninterest income to average assets | 0.2215% | 4,697 |
| Noninterest expense to average assets | 2.5616% | 3,443 |
| Loan and lease loss provision to assets | 0.1776% | 1,018 |
| Net operating income to assets | 1.1061% | 2,557 |
| Return on assets (ROA) | 1.0777% | 2,679 |
| Pretax return on assets | 1.0777% | 3,395 |
| Return on Equity (ROE) | 10.5669% | 2,299 |
| Retained earnings to average equity (ytd only) | 10.5669% | 770 |
| Net charge-offs to loans | 0.4152% | 375 |
| Credit loss provision to net charge-offs | 78.5340% | 2,273 |
| Earnings coverage of net charge-offs (x) | 5.6754% | 2,692 |
| Efficiency ratio | 66.6153% | 2,873 |
| Assets per employee ($millions) | 3.7029% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8746% | 662 |
| Loan loss allowance to noncurrent loans | 49.7993% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 2.5990% | 324 |
| Noncurrent loans to loans | 3.7643% | 249 |
| Net loans and leases to total assets | 57.1909% | 4,068 |
| Net loans and leases to deposits | 80.3549% | 2,911 |
| Net loans and leases to core deposits | 84.2771% | 3,060 |
| Total domestic deposits to total assets | 71.1729% | 5,226 |
| Equity capital to assets | 10.1718% | 3,463 |
| Core capital (leverage) ratio | 11.2355% | 2,315 |
| Tier 1 risk-based capital ratio | 17.3517% | 1,985 |
| Total risk-based capital ratio | 18.6080% | 1,936 |
| Memoranda: | ||
| Average total assets | $168,882,000 | 3,227 |
| Average earning assets | $157,590,670 | 3,203 |
| Average equity | $17,223,670 | 3,421 |
| Average total loans | $92,014,330 | 3,482 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1600% | 3,027 |
| Cost of funding earning assets | 0.4231% | 3,418 |
| Net interest margin | 3.7369% | 2,659 |
| Noninterest income to average assets | 0.1879% | 4,897 |
| Noninterest expense to average assets | 2.7070% | 3,021 |
| Loan and lease loss provision to assets | 0.1784% | 967 |
| Net operating income to assets | 0.7897% | 3,751 |
| Return on assets (ROA) | 0.7541% | 3,894 |
| Pretax return on assets | 0.7541% | 4,279 |
| Return on Equity (ROE) | 7.3839% | 3,638 |
| Retained earnings to average equity (ytd only) | 7.3839% | 2,113 |
| Net charge-offs to loans | 0.7558% | 192 |
| Credit loss provision to net charge-offs | 44.9102% | 1,985 |
| Earnings coverage of net charge-offs (x) | 2.4371% | 2,462 |
| Efficiency ratio | 73.6570% | 1,940 |
| Assets per employee ($millions) | 3.8020% | 4,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0978% | 452 |
| Loan loss allowance to noncurrent loans | 39.2880% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 3.1741% | 241 |
| Noncurrent loans to loans | 5.3397% | 127 |
| Net loans and leases to total assets | 50.4926% | 4,525 |
| Net loans and leases to deposits | 63.6301% | 4,230 |
| Net loans and leases to core deposits | 66.9905% | 4,254 |
| Total domestic deposits to total assets | 79.3532% | 4,521 |
| Equity capital to assets | 10.1614% | 3,436 |
| Core capital (leverage) ratio | 10.6767% | 2,759 |
| Tier 1 risk-based capital ratio | 18.4732% | 1,702 |
| Total risk-based capital ratio | 19.7311% | 1,660 |
| Memoranda: | ||
| Average total assets | $168,156,500 | 3,266 |
| Average earning assets | $156,923,000 | 3,246 |
| Average equity | $17,172,500 | 3,451 |
| Average total loans | $88,383,500 | 3,581 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3907% | 2,054 |
| Cost of funding earning assets | 0.4722% | 2,583 |
| Net interest margin | 3.9185% | 2,033 |
| Noninterest income to average assets | 0.2173% | 4,852 |
| Noninterest expense to average assets | 2.6141% | 3,403 |
| Loan and lease loss provision to assets | 0.1796% | 1,201 |
| Net operating income to assets | 1.0754% | 1,959 |
| Return on assets (ROA) | 1.0712% | 1,993 |
| Pretax return on assets | 1.0712% | 3,297 |
| Return on Equity (ROE) | 9.9797% | 1,896 |
| Retained earnings to average equity (ytd only) | 1.6121% | 4,339 |
| Net charge-offs to loans | 0.0682% | 2,479 |
| Credit loss provision to net charge-offs | 461.5385% | 679 |
| Earnings coverage of net charge-offs (x) | 32.2462% | 1,472 |
| Efficiency ratio | 67.5642% | 2,985 |
| Assets per employee ($millions) | 3.5962% | 4,577 |
| Cash dividends to net income (ytd only)* | 83.8457% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1019% | 443 |
| Loan loss allowance to noncurrent loans | 48.9954% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 2.7405% | 312 |
| Noncurrent loans to loans | 4.2901% | 206 |
| Net loans and leases to total assets | 52.4106% | 4,491 |
| Net loans and leases to deposits | 66.1905% | 4,172 |
| Net loans and leases to core deposits | 69.7495% | 4,194 |
| Total domestic deposits to total assets | 79.1815% | 4,502 |
| Equity capital to assets | 10.2625% | 3,421 |
| Core capital (leverage) ratio | 10.4350% | 2,922 |
| Tier 1 risk-based capital ratio | 17.8239% | 1,851 |
| Total risk-based capital ratio | 19.0827% | 1,798 |
| Memoranda: | ||
| Average total assets | $167,014,400 | 3,276 |
| Average earning assets | $155,647,000 | 3,246 |
| Average equity | $17,926,400 | 3,374 |
| Average total loans | $95,275,400 | 3,429 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3662% | 2,054 |
| Cost of funding earning assets | 0.4634% | 2,585 |
| Net interest margin | 3.9028% | 2,034 |
| Noninterest income to average assets | 0.2074% | 4,969 |
| Noninterest expense to average assets | 2.7000% | 3,063 |
| Loan and lease loss provision to assets | 0.1802% | 1,108 |
| Net operating income to assets | 0.9689% | 2,698 |
| Return on assets (ROA) | 0.9649% | 2,764 |
| Pretax return on assets | 0.9649% | 3,820 |
| Return on Equity (ROE) | 8.8904% | 2,674 |
| Retained earnings to average equity (ytd only) | 8.8904% | 886 |
| Net charge-offs to loans | 0.0871% | 1,923 |
| Credit loss provision to net charge-offs | 357.1429% | 850 |
| Earnings coverage of net charge-offs (x) | 22.7773% | 1,844 |
| Efficiency ratio | 70.1477% | 2,512 |
| Assets per employee ($millions) | 3.5016% | 4,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7856% | 875 |
| Loan loss allowance to noncurrent loans | 43.9136% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 2.8291% | 337 |
| Noncurrent loans to loans | 4.0662% | 237 |
| Net loans and leases to total assets | 58.6335% | 4,004 |
| Net loans and leases to deposits | 82.7284% | 2,688 |
| Net loans and leases to core deposits | 86.7444% | 2,898 |
| Total domestic deposits to total assets | 70.8747% | 5,446 |
| Equity capital to assets | 10.9701% | 2,891 |
| Core capital (leverage) ratio | 10.9326% | 2,524 |
| Tier 1 risk-based capital ratio | 17.4738% | 2,016 |
| Total risk-based capital ratio | 18.7297% | 1,963 |
| Memoranda: | ||
| Average total assets | $166,512,250 | 3,308 |
| Average earning assets | $155,373,250 | 3,285 |
| Average equity | $18,071,500 | 3,382 |
| Average total loans | $96,472,250 | 3,436 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2492% | 2,293 |
| Cost of funding earning assets | 0.4453% | 2,651 |
| Net interest margin | 3.8039% | 2,274 |
| Noninterest income to average assets | 0.2281% | 4,878 |
| Noninterest expense to average assets | 2.7180% | 3,024 |
| Loan and lease loss provision to assets | 0.1820% | 1,040 |
| Net operating income to assets | 0.8834% | 2,999 |
| Return on assets (ROA) | 0.8773% | 3,088 |
| Pretax return on assets | 0.8773% | 4,005 |
| Return on Equity (ROE) | 8.1139% | 2,956 |
| Retained earnings to average equity (ytd only) | 8.1139% | 1,116 |
| Net charge-offs to loans | 0.0381% | 2,439 |
| Credit loss provision to net charge-offs | 833.3333% | 441 |
| Earnings coverage of net charge-offs (x) | 48.7778% | 1,094 |
| Efficiency ratio | 71.8409% | 2,368 |
| Assets per employee ($millions) | 3.3285% | 4,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8100% | 873 |
| Loan loss allowance to noncurrent loans | 53.3037% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 2.4930% | 438 |
| Noncurrent loans to loans | 3.3956% | 350 |
| Net loans and leases to total assets | 59.8394% | 3,860 |
| Net loans and leases to deposits | 79.5629% | 2,959 |
| Net loans and leases to core deposits | 83.4060% | 3,132 |
| Total domestic deposits to total assets | 75.2102% | 5,178 |
| Equity capital to assets | 11.3278% | 2,470 |
| Core capital (leverage) ratio | 11.1693% | 2,255 |
| Tier 1 risk-based capital ratio | 17.4015% | 2,040 |
| Total risk-based capital ratio | 18.6575% | 1,996 |
| Memoranda: | ||
| Average total assets | $164,824,330 | 3,343 |
| Average earning assets | $154,052,000 | 3,320 |
| Average equity | $17,821,330 | 3,427 |
| Average total loans | $94,486,330 | 3,482 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0902% | 2,688 |
| Cost of funding earning assets | 0.4478% | 2,544 |
| Net interest margin | 3.6423% | 2,725 |
| Noninterest income to average assets | 0.1690% | 5,263 |
| Noninterest expense to average assets | 2.8849% | 2,504 |
| Loan and lease loss provision to assets | 0.1811% | 956 |
| Net operating income to assets | 0.4997% | 4,596 |
| Return on assets (ROA) | 0.4877% | 4,671 |
| Pretax return on assets | 0.4877% | 4,989 |
| Return on Equity (ROE) | 4.6186% | 4,554 |
| Retained earnings to average equity (ytd only) | 4.6186% | 3,107 |
| Net charge-offs to loans | 0.0130% | 2,544 |
| Credit loss provision to net charge-offs | 2,500.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 94.0000% | 572 |
| Efficiency ratio | 80.9072% | 1,271 |
| Assets per employee ($millions) | 3.2722% | 5,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9384% | 745 |
| Loan loss allowance to noncurrent loans | 51.7868% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 2.4760% | 468 |
| Noncurrent loans to loans | 3.7431% | 304 |
| Net loans and leases to total assets | 53.7700% | 4,354 |
| Net loans and leases to deposits | 69.2851% | 3,871 |
| Net loans and leases to core deposits | 73.0573% | 3,911 |
| Total domestic deposits to total assets | 77.6068% | 5,022 |
| Equity capital to assets | 10.8283% | 2,825 |
| Core capital (leverage) ratio | 10.6528% | 2,738 |
| Tier 1 risk-based capital ratio | 17.7641% | 1,954 |
| Total risk-based capital ratio | 19.0197% | 1,902 |
| Memoranda: | ||
| Average total assets | $165,689,000 | 3,362 |
| Average earning assets | $154,517,500 | 3,341 |
| Average equity | $17,494,500 | 3,487 |
| Average total loans | $92,032,500 | 3,552 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5740% | 1,344 |
| Cost of funding earning assets | 0.4585% | 2,458 |
| Net interest margin | 4.1154% | 1,344 |
| Noninterest income to average assets | 0.2020% | 5,204 |
| Noninterest expense to average assets | 2.5709% | 3,774 |
| Loan and lease loss provision to assets | 0.1747% | 1,378 |
| Net operating income to assets | 1.2709% | 1,301 |
| Return on assets (ROA) | 1.2726% | 1,365 |
| Pretax return on assets | 1.2726% | 2,386 |
| Return on Equity (ROE) | 11.8729% | 1,280 |
| Retained earnings to average equity (ytd only) | 1.0102% | 4,922 |
| Net charge-offs to loans | 0.3277% | 842 |
| Credit loss provision to net charge-offs | 90.0901% | 2,796 |
| Earnings coverage of net charge-offs (x) | 7.4565% | 3,017 |
| Efficiency ratio | 64.0093% | 3,938 |
| Assets per employee ($millions) | 3.1655% | 5,200 |
| Cash dividends to net income (ytd only)* | 91.4913% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7668% | 1,008 |
| Loan loss allowance to noncurrent loans | 64.6625% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 2.0647% | 649 |
| Noncurrent loans to loans | 2.7323% | 543 |
| Net loans and leases to total assets | 55.2465% | 4,326 |
| Net loans and leases to deposits | 70.3838% | 3,868 |
| Net loans and leases to core deposits | 75.4645% | 3,796 |
| Total domestic deposits to total assets | 78.4932% | 4,892 |
| Equity capital to assets | 10.2956% | 3,391 |
| Core capital (leverage) ratio | 10.1698% | 3,269 |
| Tier 1 risk-based capital ratio | 17.0084% | 2,157 |
| Total risk-based capital ratio | 18.2628% | 2,109 |
| Memoranda: | ||
| Average total assets | $171,769,400 | 3,264 |
| Average earning assets | $159,205,200 | 3,250 |
| Average equity | $18,411,600 | 3,352 |
| Average total loans | $101,629,800 | 3,357 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6038% | 1,285 |
| Cost of funding earning assets | 0.4581% | 2,477 |
| Net interest margin | 4.1456% | 1,265 |
| Noninterest income to average assets | 0.2130% | 5,191 |
| Noninterest expense to average assets | 2.6516% | 3,492 |
| Loan and lease loss provision to assets | 0.1736% | 1,298 |
| Net operating income to assets | 1.2286% | 1,525 |
| Return on assets (ROA) | 1.2394% | 1,592 |
| Pretax return on assets | 1.2394% | 2,660 |
| Return on Equity (ROE) | 11.4530% | 1,506 |
| Retained earnings to average equity (ytd only) | 11.4530% | 366 |
| Net charge-offs to loans | 0.4318% | 497 |
| Credit loss provision to net charge-offs | 67.1642% | 2,835 |
| Earnings coverage of net charge-offs (x) | 5.4238% | 3,129 |
| Efficiency ratio | 65.4102% | 3,686 |
| Assets per employee ($millions) | 3.3316% | 5,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4552% | 1,954 |
| Loan loss allowance to noncurrent loans | 67.6308% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 1.8933% | 849 |
| Noncurrent loans to loans | 2.1516% | 880 |
| Net loans and leases to total assets | 62.1528% | 3,626 |
| Net loans and leases to deposits | 86.6859% | 2,187 |
| Net loans and leases to core deposits | 93.3569% | 2,246 |
| Total domestic deposits to total assets | 71.6989% | 5,609 |
| Equity capital to assets | 11.4105% | 2,588 |
| Core capital (leverage) ratio | 10.9008% | 2,563 |
| Tier 1 risk-based capital ratio | 16.6199% | 2,373 |
| Total risk-based capital ratio | 17.8724% | 2,317 |
| Memoranda: | ||
| Average total assets | $172,769,250 | 3,263 |
| Average earning assets | $160,068,000 | 3,253 |
| Average equity | $18,696,250 | 3,342 |
| Average total loans | $103,448,750 | 3,329 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4393% | 1,713 |
| Cost of funding earning assets | 0.4489% | 2,578 |
| Net interest margin | 3.9904% | 1,673 |
| Noninterest income to average assets | 0.2248% | 5,143 |
| Noninterest expense to average assets | 2.5908% | 3,750 |
| Loan and lease loss provision to assets | 0.1738% | 1,273 |
| Net operating income to assets | 1.1575% | 1,745 |
| Return on assets (ROA) | 1.1726% | 1,792 |
| Pretax return on assets | 1.1726% | 2,890 |
| Return on Equity (ROE) | 11.0366% | 1,623 |
| Retained earnings to average equity (ytd only) | 11.0366% | 435 |
| Net charge-offs to loans | 0.5911% | 356 |
| Credit loss provision to net charge-offs | 50.0000% | 2,666 |
| Earnings coverage of net charge-offs (x) | 3.8300% | 3,054 |
| Efficiency ratio | 66.0561% | 3,678 |
| Assets per employee ($millions) | 3.1700% | 5,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4904% | 1,898 |
| Loan loss allowance to noncurrent loans | 64.4759% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 1.9307% | 861 |
| Noncurrent loans to loans | 2.3116% | 788 |
| Net loans and leases to total assets | 59.8490% | 3,902 |
| Net loans and leases to deposits | 80.8672% | 2,834 |
| Net loans and leases to core deposits | 86.0540% | 2,895 |
| Total domestic deposits to total assets | 74.0091% | 5,520 |
| Equity capital to assets | 11.1614% | 2,889 |
| Core capital (leverage) ratio | 10.6980% | 2,741 |
| Tier 1 risk-based capital ratio | 17.1397% | 2,169 |
| Total risk-based capital ratio | 18.3925% | 2,129 |
| Memoranda: | ||
| Average total assets | $172,611,000 | 3,284 |
| Average earning assets | $159,934,000 | 3,268 |
| Average equity | $18,339,000 | 3,394 |
| Average total loans | $101,509,670 | 3,378 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3127% | 2,086 |
| Cost of funding earning assets | 0.4504% | 2,578 |
| Net interest margin | 3.8623% | 2,059 |
| Noninterest income to average assets | 0.1777% | 5,430 |
| Noninterest expense to average assets | 2.7439% | 3,261 |
| Loan and lease loss provision to assets | 0.1731% | 1,182 |
| Net operating income to assets | 0.8423% | 3,020 |
| Return on assets (ROA) | 0.8700% | 3,017 |
| Pretax return on assets | 0.8700% | 3,971 |
| Return on Equity (ROE) | 8.3985% | 2,704 |
| Retained earnings to average equity (ytd only) | 8.3985% | 1,299 |
| Net charge-offs to loans | -0.0040% | 4,234 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9896% | 2,640 |
| Assets per employee ($millions) | 3.1765% | 5,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8294% | 1,094 |
| Loan loss allowance to noncurrent loans | 44.6007% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 2.7517% | 501 |
| Noncurrent loans to loans | 4.1017% | 288 |
| Net loans and leases to total assets | 55.5617% | 4,302 |
| Net loans and leases to deposits | 70.5018% | 3,812 |
| Net loans and leases to core deposits | 75.4097% | 3,742 |
| Total domestic deposits to total assets | 78.8090% | 5,009 |
| Equity capital to assets | 10.6803% | 3,279 |
| Core capital (leverage) ratio | 10.1190% | 3,406 |
| Tier 1 risk-based capital ratio | 17.4644% | 2,130 |
| Total risk-based capital ratio | 18.7205% | 2,102 |
| Memoranda: | ||
| Average total assets | $173,327,000 | 3,293 |
| Average earning assets | $160,733,500 | 3,272 |
| Average equity | $17,955,500 | 3,446 |
| Average total loans | $100,265,000 | 3,418 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3914% | 1,927 |
| Cost of funding earning assets | 0.4513% | 2,615 |
| Net interest margin | 3.9401% | 1,900 |
| Noninterest income to average assets | 0.1633% | 5,604 |
| Noninterest expense to average assets | 2.4448% | 4,397 |
| Loan and lease loss provision to assets | 0.3367% | 464 |
| Net operating income to assets | 1.0568% | 2,096 |
| Return on assets (ROA) | 1.0563% | 2,184 |
| Pretax return on assets | 1.0563% | 3,239 |
| Return on Equity (ROE) | 10.3323% | 1,871 |
| Retained earnings to average equity (ytd only) | 0.7247% | 5,225 |
| Net charge-offs to loans | 0.1264% | 2,114 |
| Credit loss provision to net charge-offs | 447.7612% | 686 |
| Earnings coverage of net charge-offs (x) | 18.5299% | 2,003 |
| Efficiency ratio | 63.6935% | 4,329 |
| Assets per employee ($millions) | 3.3042% | 5,146 |
| Cash dividends to net income (ytd only)* | 92.9862% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6433% | 1,492 |
| Loan loss allowance to noncurrent loans | 45.2971% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 2.5662% | 593 |
| Noncurrent loans to loans | 3.6279% | 365 |
| Net loans and leases to total assets | 58.1011% | 4,074 |
| Net loans and leases to deposits | 73.2793% | 3,580 |
| Net loans and leases to core deposits | 79.7606% | 3,376 |
| Total domestic deposits to total assets | 79.2872% | 4,907 |
| Equity capital to assets | 10.0449% | 3,908 |
| Core capital (leverage) ratio | 9.6532% | 3,971 |
| Tier 1 risk-based capital ratio | 16.2496% | 2,584 |
| Total risk-based capital ratio | 17.5035% | 2,542 |
| Memoranda: | ||
| Average total assets | $178,174,200 | 3,195 |
| Average earning assets | $166,187,600 | 3,171 |
| Average equity | $18,214,800 | 3,352 |
| Average total loans | $105,989,200 | 3,279 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3708% | 2,010 |
| Cost of funding earning assets | 0.4482% | 2,709 |
| Net interest margin | 3.9226% | 1,957 |
| Noninterest income to average assets | 0.2101% | 5,392 |
| Noninterest expense to average assets | 2.4269% | 4,427 |
| Loan and lease loss provision to assets | 0.1677% | 1,257 |
| Net operating income to assets | 1.2809% | 1,391 |
| Return on assets (ROA) | 1.2853% | 1,433 |
| Pretax return on assets | 1.2853% | 2,448 |
| Return on Equity (ROE) | 12.5196% | 1,236 |
| Retained earnings to average equity (ytd only) | 12.5196% | 312 |
| Net charge-offs to loans | 0.1426% | 1,698 |
| Credit loss provision to net charge-offs | 197.3684% | 1,352 |
| Earnings coverage of net charge-offs (x) | 17.0522% | 2,080 |
| Efficiency ratio | 62.6226% | 4,472 |
| Assets per employee ($millions) | 3.2904% | 5,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1661% | 3,837 |
| Loan loss allowance to noncurrent loans | 53.2252% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 1.8240% | 1,166 |
| Noncurrent loans to loans | 2.1909% | 1,003 |
| Net loans and leases to total assets | 61.8647% | 3,630 |
| Net loans and leases to deposits | 85.0690% | 2,271 |
| Net loans and leases to core deposits | 93.8926% | 2,084 |
| Total domestic deposits to total assets | 72.7230% | 5,813 |
| Equity capital to assets | 10.5337% | 3,572 |
| Core capital (leverage) ratio | 10.1373% | 3,455 |
| Tier 1 risk-based capital ratio | 16.2082% | 2,708 |
| Total risk-based capital ratio | 17.3692% | 2,698 |
| Memoranda: | ||
| Average total assets | $178,936,750 | 3,207 |
| Average earning assets | $167,197,250 | 3,188 |
| Average equity | $18,370,750 | 3,356 |
| Average total loans | $106,624,250 | 3,290 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2048% | 2,530 |
| Cost of funding earning assets | 0.4465% | 2,770 |
| Net interest margin | 3.7582% | 2,484 |
| Noninterest income to average assets | 0.2303% | 5,313 |
| Noninterest expense to average assets | 2.5209% | 4,173 |
| Loan and lease loss provision to assets | 0.1693% | 1,234 |
| Net operating income to assets | 1.0555% | 2,122 |
| Return on assets (ROA) | 1.0623% | 2,199 |
| Pretax return on assets | 1.0623% | 3,329 |
| Return on Equity (ROE) | 10.4414% | 1,874 |
| Retained earnings to average equity (ytd only) | 10.4414% | 593 |
| Net charge-offs to loans | 0.2005% | 1,256 |
| Credit loss provision to net charge-offs | 144.2308% | 1,571 |
| Earnings coverage of net charge-offs (x) | 10.4327% | 2,363 |
| Efficiency ratio | 67.2996% | 3,789 |
| Assets per employee ($millions) | 3.2282% | 5,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1662% | 3,994 |
| Loan loss allowance to noncurrent loans | 50.9757% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 1.8851% | 1,211 |
| Noncurrent loans to loans | 2.2877% | 1,034 |
| Net loans and leases to total assets | 61.0970% | 3,678 |
| Net loans and leases to deposits | 84.6731% | 2,225 |
| Net loans and leases to core deposits | 93.1614% | 2,045 |
| Total domestic deposits to total assets | 72.1563% | 5,929 |
| Equity capital to assets | 10.2854% | 3,704 |
| Core capital (leverage) ratio | 10.3277% | 3,181 |
| Tier 1 risk-based capital ratio | 16.2073% | 2,756 |
| Total risk-based capital ratio | 17.3602% | 2,755 |
| Memoranda: | ||
| Average total assets | $177,160,670 | 3,256 |
| Average earning assets | $165,717,000 | 3,226 |
| Average equity | $18,024,330 | 3,419 |
| Average total loans | $103,719,000 | 3,365 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0667% | 2,964 |
| Cost of funding earning assets | 0.4564% | 2,709 |
| Net interest margin | 3.6103% | 2,964 |
| Noninterest income to average assets | 0.2283% | 5,323 |
| Noninterest expense to average assets | 2.4344% | 4,495 |
| Loan and lease loss provision to assets | 0.1695% | 1,175 |
| Net operating income to assets | 1.0036% | 2,254 |
| Return on assets (ROA) | 1.0126% | 2,339 |
| Pretax return on assets | 1.0126% | 3,445 |
| Return on Equity (ROE) | 10.0081% | 2,007 |
| Retained earnings to average equity (ytd only) | 10.0081% | 925 |
| Net charge-offs to loans | 0.1271% | 1,494 |
| Credit loss provision to net charge-offs | 234.3750% | 953 |
| Earnings coverage of net charge-offs (x) | 16.2188% | 1,584 |
| Efficiency ratio | 67.4812% | 3,909 |
| Assets per employee ($millions) | 3.1345% | 5,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 3,417 |
| Loan loss allowance to noncurrent loans | 43.6581% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 2.1825% | 1,054 |
| Noncurrent loans to loans | 2.9717% | 738 |
| Net loans and leases to total assets | 55.3481% | 4,278 |
| Net loans and leases to deposits | 70.0474% | 3,742 |
| Net loans and leases to core deposits | 77.7734% | 3,404 |
| Total domestic deposits to total assets | 79.0151% | 5,263 |
| Equity capital to assets | 10.4534% | 3,582 |
| Core capital (leverage) ratio | 9.8403% | 3,836 |
| Tier 1 risk-based capital ratio | 16.7697% | 2,572 |
| Total risk-based capital ratio | 17.9934% | 2,533 |
| Memoranda: | ||
| Average total assets | $176,965,000 | 3,278 |
| Average earning assets | $165,638,500 | 3,243 |
| Average equity | $17,905,500 | 3,460 |
| Average total loans | $100,699,000 | 3,443 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4480% | 2,078 |
| Cost of funding earning assets | 0.4731% | 2,951 |
| Net interest margin | 3.9750% | 1,959 |
| Noninterest income to average assets | 0.1942% | 5,694 |
| Noninterest expense to average assets | 2.4686% | 4,645 |
| Loan and lease loss provision to assets | 0.2871% | 727 |
| Net operating income to assets | 1.1378% | 1,826 |
| Return on assets (ROA) | 1.1440% | 1,865 |
| Pretax return on assets | 1.1440% | 2,905 |
| Return on Equity (ROE) | 11.6951% | 1,493 |
| Retained earnings to average equity (ytd only) | 1.6230% | 5,007 |
| Net charge-offs to loans | 0.2228% | 1,884 |
| Credit loss provision to net charge-offs | 225.6637% | 1,115 |
| Earnings coverage of net charge-offs (x) | 11.1991% | 2,528 |
| Efficiency ratio | 63.4037% | 4,684 |
| Assets per employee ($millions) | 3.3660% | 5,135 |
| Cash dividends to net income (ytd only)* | 86.1220% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1984% | 4,010 |
| Loan loss allowance to noncurrent loans | 129.6218% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 1.0426% | 2,656 |
| Noncurrent loans to loans | 0.9246% | 3,005 |
| Net loans and leases to total assets | 57.0261% | 4,189 |
| Net loans and leases to deposits | 71.6527% | 3,721 |
| Net loans and leases to core deposits | 79.8195% | 3,318 |
| Total domestic deposits to total assets | 79.5868% | 5,124 |
| Equity capital to assets | 9.7882% | 4,368 |
| Core capital (leverage) ratio | 9.6554% | 4,029 |
| Tier 1 risk-based capital ratio | 15.2525% | 3,346 |
| Total risk-based capital ratio | 16.3563% | 3,383 |
| Memoranda: | ||
| Average total assets | $177,629,600 | 3,234 |
| Average earning assets | $165,309,800 | 3,213 |
| Average equity | $17,374,800 | 3,476 |
| Average total loans | $101,433,600 | 3,392 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4275% | 2,133 |
| Cost of funding earning assets | 0.4740% | 3,014 |
| Net interest margin | 3.9535% | 2,024 |
| Noninterest income to average assets | 0.1879% | 5,788 |
| Noninterest expense to average assets | 2.4782% | 4,599 |
| Loan and lease loss provision to assets | 0.1390% | 1,798 |
| Net operating income to assets | 1.2496% | 1,528 |
| Return on assets (ROA) | 1.2549% | 1,568 |
| Pretax return on assets | 1.2549% | 2,553 |
| Return on Equity (ROE) | 12.8313% | 1,254 |
| Retained earnings to average equity (ytd only) | 12.8313% | 340 |
| Net charge-offs to loans | 0.2111% | 1,778 |
| Credit loss provision to net charge-offs | 115.6250% | 1,965 |
| Earnings coverage of net charge-offs (x) | 11.5499% | 2,417 |
| Efficiency ratio | 64.0886% | 4,526 |
| Assets per employee ($millions) | 3.4127% | 5,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8669% | 5,697 |
| Loan loss allowance to noncurrent loans | 86.5129% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 1.1599% | 2,628 |
| Noncurrent loans to loans | 1.0021% | 3,061 |
| Net loans and leases to total assets | 61.6421% | 3,542 |
| Net loans and leases to deposits | 87.6346% | 1,719 |
| Net loans and leases to core deposits | 96.5274% | 1,632 |
| Total domestic deposits to total assets | 70.3400% | 6,269 |
| Equity capital to assets | 10.2801% | 3,813 |
| Core capital (leverage) ratio | 10.1852% | 3,430 |
| Tier 1 risk-based capital ratio | 15.9268% | 3,087 |
| Total risk-based capital ratio | 16.7689% | 3,248 |
| Memoranda: | ||
| Average total assets | $177,437,250 | 3,268 |
| Average earning assets | $165,114,000 | 3,247 |
| Average equity | $17,353,000 | 3,490 |
| Average total loans | $101,050,000 | 3,429 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2248% | 2,865 |
| Cost of funding earning assets | 0.4770% | 3,048 |
| Net interest margin | 3.7478% | 2,770 |
| Noninterest income to average assets | 0.2099% | 5,697 |
| Noninterest expense to average assets | 2.5549% | 4,397 |
| Loan and lease loss provision to assets | 0.1248% | 1,977 |
| Net operating income to assets | 1.0154% | 2,269 |
| Return on assets (ROA) | 1.0222% | 2,306 |
| Pretax return on assets | 1.0222% | 3,386 |
| Return on Equity (ROE) | 10.6380% | 1,876 |
| Retained earnings to average equity (ytd only) | 10.6380% | 593 |
| Net charge-offs to loans | 0.2591% | 1,514 |
| Credit loss provision to net charge-offs | 87.3016% | 2,224 |
| Earnings coverage of net charge-offs (x) | 7.9762% | 2,551 |
| Efficiency ratio | 69.1434% | 3,811 |
| Assets per employee ($millions) | 3.0850% | 5,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8706% | 5,812 |
| Loan loss allowance to noncurrent loans | 126.0459% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.9850% | 3,091 |
| Noncurrent loans to loans | 0.6907% | 3,992 |
| Net loans and leases to total assets | 60.4767% | 3,638 |
| Net loans and leases to deposits | 80.8595% | 2,401 |
| Net loans and leases to core deposits | 88.2787% | 2,284 |
| Total domestic deposits to total assets | 74.7923% | 6,037 |
| Equity capital to assets | 10.1158% | 3,948 |
| Core capital (leverage) ratio | 10.2368% | 3,284 |
| Tier 1 risk-based capital ratio | 15.8581% | 3,168 |
| Total risk-based capital ratio | 16.6963% | 3,326 |
| Memoranda: | ||
| Average total assets | $176,292,000 | 3,292 |
| Average earning assets | $163,935,670 | 3,271 |
| Average equity | $16,939,330 | 3,551 |
| Average total loans | $97,243,670 | 3,508 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0314% | 3,559 |
| Cost of funding earning assets | 0.4878% | 3,032 |
| Net interest margin | 3.5436% | 3,507 |
| Noninterest income to average assets | 0.1836% | 5,863 |
| Noninterest expense to average assets | 2.4950% | 4,636 |
| Loan and lease loss provision to assets | 0.1020% | 2,219 |
| Net operating income to assets | 0.8792% | 2,750 |
| Return on assets (ROA) | 0.8792% | 2,815 |
| Pretax return on assets | 0.8792% | 3,783 |
| Return on Equity (ROE) | 9.3975% | 2,296 |
| Retained earnings to average equity (ytd only) | 9.3975% | 1,140 |
| Net charge-offs to loans | 0.0390% | 2,838 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 48.1111% | 772 |
| Efficiency ratio | 71.7731% | 3,529 |
| Assets per employee ($millions) | 3.2108% | 5,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 5,144 |
| Loan loss allowance to noncurrent loans | 94.3541% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 1.1886% | 2,883 |
| Noncurrent loans to loans | 1.1592% | 3,111 |
| Net loans and leases to total assets | 50.4912% | 4,850 |
| Net loans and leases to deposits | 62.7039% | 4,466 |
| Net loans and leases to core deposits | 68.6989% | 4,238 |
| Total domestic deposits to total assets | 80.5232% | 5,380 |
| Equity capital to assets | 9.5688% | 4,406 |
| Core capital (leverage) ratio | 9.7352% | 3,945 |
| Tier 1 risk-based capital ratio | 17.0811% | 2,653 |
| Total risk-based capital ratio | 18.0627% | 2,734 |
| Memoranda: | ||
| Average total assets | $176,516,500 | 3,316 |
| Average earning assets | $164,012,500 | 3,291 |
| Average equity | $16,515,000 | 3,620 |
| Average total loans | $92,226,500 | 3,653 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5320% | 2,085 |
| Cost of funding earning assets | 0.5539% | 3,079 |
| Net interest margin | 3.9781% | 2,010 |
| Noninterest income to average assets | 0.2138% | 5,802 |
| Noninterest expense to average assets | 2.5204% | 4,704 |
| Loan and lease loss provision to assets | 0.1482% | 2,431 |
| Net operating income to assets | 1.2213% | 1,483 |
| Return on assets (ROA) | 1.2201% | 1,558 |
| Pretax return on assets | 1.2201% | 2,497 |
| Return on Equity (ROE) | 13.1065% | 1,147 |
| Retained earnings to average equity (ytd only) | 6.8653% | 1,495 |
| Net charge-offs to loans | 0.3608% | 1,873 |
| Credit loss provision to net charge-offs | 72.0339% | 3,245 |
| Earnings coverage of net charge-offs (x) | 6.6582% | 3,010 |
| Efficiency ratio | 64.7946% | 4,770 |
| Assets per employee ($millions) | 3.0954% | 5,680 |
| Cash dividends to net income (ytd only)* | 47.6190% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 5,527 |
| Loan loss allowance to noncurrent loans | 49.9212% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 1.6028% | 2,318 |
| Noncurrent loans to loans | 2.0180% | 1,970 |
| Net loans and leases to total assets | 52.9092% | 4,735 |
| Net loans and leases to deposits | 65.9671% | 4,299 |
| Net loans and leases to core deposits | 73.0986% | 3,933 |
| Total domestic deposits to total assets | 80.2055% | 5,396 |
| Equity capital to assets | 9.1432% | 4,877 |
| Core capital (leverage) ratio | 9.7511% | 3,908 |
| Tier 1 risk-based capital ratio | 14.9355% | 3,706 |
| Total risk-based capital ratio | 15.7816% | 3,867 |
| Memoranda: | ||
| Average total assets | $172,113,000 | 3,380 |
| Average earning assets | $159,045,600 | 3,362 |
| Average equity | $16,022,600 | 3,697 |
| Average total loans | $98,112,600 | 3,497 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5634% | 1,999 |
| Cost of funding earning assets | 0.5651% | 3,118 |
| Net interest margin | 3.9983% | 1,951 |
| Noninterest income to average assets | 0.2066% | 5,940 |
| Noninterest expense to average assets | 2.5422% | 4,580 |
| Loan and lease loss provision to assets | 0.1403% | 2,538 |
| Net operating income to assets | 1.2138% | 1,586 |
| Return on assets (ROA) | 1.2130% | 1,663 |
| Pretax return on assets | 1.2130% | 2,646 |
| Return on Equity (ROE) | 12.9702% | 1,240 |
| Retained earnings to average equity (ytd only) | 4.6346% | 3,372 |
| Net charge-offs to loans | 0.4818% | 1,332 |
| Credit loss provision to net charge-offs | 50.2793% | 3,490 |
| Earnings coverage of net charge-offs (x) | 4.8520% | 3,341 |
| Efficiency ratio | 65.2461% | 4,613 |
| Assets per employee ($millions) | 3.1921% | 5,511 |
| Cash dividends to net income (ytd only)* | 64.2675% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8054% | 6,273 |
| Loan loss allowance to noncurrent loans | 44.5524% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 1.6421% | 2,503 |
| Noncurrent loans to loans | 1.8078% | 2,486 |
| Net loans and leases to total assets | 61.1012% | 3,508 |
| Net loans and leases to deposits | 84.5302% | 1,810 |
| Net loans and leases to core deposits | 95.0168% | 1,474 |
| Total domestic deposits to total assets | 72.2834% | 6,471 |
| Equity capital to assets | 8.9812% | 5,210 |
| Core capital (leverage) ratio | 9.3791% | 4,563 |
| Tier 1 risk-based capital ratio | 13.2698% | 4,924 |
| Total risk-based capital ratio | 13.9821% | 5,251 |
| Memoranda: | ||
| Average total assets | $171,031,750 | 3,426 |
| Average earning assets | $157,831,500 | 3,412 |
| Average equity | $15,995,250 | 3,744 |
| Average total loans | $99,065,250 | 3,497 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3352% | 2,810 |
| Cost of funding earning assets | 0.5725% | 3,192 |
| Net interest margin | 3.7627% | 2,705 |
| Noninterest income to average assets | 0.2065% | 5,967 |
| Noninterest expense to average assets | 2.5743% | 4,475 |
| Loan and lease loss provision to assets | 0.1239% | 2,772 |
| Net operating income to assets | 0.9899% | 2,379 |
| Return on assets (ROA) | 0.9887% | 2,524 |
| Pretax return on assets | 0.9887% | 3,563 |
| Return on Equity (ROE) | 10.4287% | 2,033 |
| Retained earnings to average equity (ytd only) | -2.0161% | 6,191 |
| Net charge-offs to loans | 0.6477% | 1,016 |
| Credit loss provision to net charge-offs | 33.7621% | 3,522 |
| Earnings coverage of net charge-offs (x) | 3.0354% | 3,520 |
| Efficiency ratio | 69.8017% | 3,867 |
| Assets per employee ($millions) | 2.9271% | 5,976 |
| Cash dividends to net income (ytd only)* | 119.3317% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8058% | 6,343 |
| Loan loss allowance to noncurrent loans | 39.0821% | 5,671 |
| Noncurrent assets plus other real estate owned to assets | 1.7753% | 2,446 |
| Noncurrent loans to loans | 2.0619% | 2,322 |
| Net loans and leases to total assets | 62.1946% | 3,254 |
| Net loans and leases to deposits | 80.1372% | 2,301 |
| Net loans and leases to core deposits | 88.6497% | 2,043 |
| Total domestic deposits to total assets | 77.6102% | 6,050 |
| Equity capital to assets | 9.2044% | 4,986 |
| Core capital (leverage) ratio | 9.3068% | 4,530 |
| Tier 1 risk-based capital ratio | 13.2772% | 4,935 |
| Total risk-based capital ratio | 13.9989% | 5,262 |
| Memoranda: | ||
| Average total assets | $169,520,330 | 3,468 |
| Average earning assets | $156,855,670 | 3,452 |
| Average equity | $16,071,000 | 3,761 |
| Average total loans | $96,039,000 | 3,589 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9893% | 4,166 |
| Cost of funding earning assets | 0.5894% | 3,212 |
| Net interest margin | 3.3999% | 4,116 |
| Noninterest income to average assets | 0.2201% | 5,906 |
| Noninterest expense to average assets | 2.6103% | 4,371 |
| Loan and lease loss provision to assets | 0.0702% | 3,459 |
| Net operating income to assets | 0.6859% | 3,755 |
| Return on assets (ROA) | 0.6883% | 3,894 |
| Pretax return on assets | 0.6883% | 4,627 |
| Return on Equity (ROE) | 7.1585% | 3,402 |
| Retained earnings to average equity (ytd only) | -17.1902% | 6,792 |
| Net charge-offs to loans | 1.3863% | 397 |
| Credit loss provision to net charge-offs | 9.4340% | 3,148 |
| Earnings coverage of net charge-offs (x) | 1.0157% | 3,500 |
| Efficiency ratio | 77.5382% | 2,687 |
| Assets per employee ($millions) | 2.9438% | 6,082 |
| Cash dividends to net income (ytd only)* | 340.1361% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8664% | 6,334 |
| Loan loss allowance to noncurrent loans | 31.4723% | 5,975 |
| Noncurrent assets plus other real estate owned to assets | 1.8894% | 2,488 |
| Noncurrent loans to loans | 2.7529% | 1,850 |
| Net loans and leases to total assets | 50.9974% | 4,841 |
| Net loans and leases to deposits | 63.3477% | 4,381 |
| Net loans and leases to core deposits | 70.5344% | 4,004 |
| Total domestic deposits to total assets | 80.5039% | 5,631 |
| Equity capital to assets | 9.4089% | 4,987 |
| Core capital (leverage) ratio | 8.7081% | 5,317 |
| Tier 1 risk-based capital ratio | 14.2284% | 4,338 |
| Total risk-based capital ratio | 14.9520% | 4,684 |
| Memoranda: | ||
| Average total assets | $170,858,500 | 3,481 |
| Average earning assets | $158,122,000 | 3,464 |
| Average equity | $16,428,000 | 3,749 |
| Average total loans | $91,753,000 | 3,699 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9806% | 1,617 |
| Cost of funding earning assets | 0.7450% | 3,113 |
| Net interest margin | 4.2356% | 1,556 |
| Noninterest income to average assets | 0.2776% | 5,478 |
| Noninterest expense to average assets | 2.6221% | 4,668 |
| Loan and lease loss provision to assets | 0.1345% | 3,945 |
| Net operating income to assets | 1.4349% | 1,035 |
| Return on assets (ROA) | 1.4838% | 1,052 |
| Pretax return on assets | 1.4838% | 1,736 |
| Return on Equity (ROE) | 14.7232% | 867 |
| Retained earnings to average equity (ytd only) | 0.7704% | 5,477 |
| Net charge-offs to loans | 0.0626% | 5,066 |
| Credit loss provision to net charge-offs | 349.2063% | 700 |
| Earnings coverage of net charge-offs (x) | 40.7460% | 788 |
| Efficiency ratio | 62.5583% | 5,160 |
| Assets per employee ($millions) | 2.9478% | 6,084 |
| Cash dividends to net income (ytd only)* | 94.7672% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 5,566 |
| Loan loss allowance to noncurrent loans | 46.2115% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 1.6394% | 2,945 |
| Noncurrent loans to loans | 2.3727% | 2,261 |
| Net loans and leases to total assets | 55.3426% | 4,401 |
| Net loans and leases to deposits | 69.1009% | 3,823 |
| Net loans and leases to core deposits | 78.5845% | 3,188 |
| Total domestic deposits to total assets | 80.0895% | 5,639 |
| Equity capital to assets | 9.8207% | 4,422 |
| Core capital (leverage) ratio | 9.3535% | 4,330 |
| Tier 1 risk-based capital ratio | 13.6393% | 4,648 |
| Total risk-based capital ratio | 14.5523% | 4,841 |
| Memoranda: | ||
| Average total assets | $163,568,400 | 3,557 |
| Average earning assets | $151,146,800 | 3,530 |
| Average equity | $16,484,200 | 3,707 |
| Average total loans | $100,595,800 | 3,504 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1079% | 1,410 |
| Cost of funding earning assets | 0.7644% | 3,232 |
| Net interest margin | 4.3434% | 1,366 |
| Noninterest income to average assets | 0.2614% | 5,696 |
| Noninterest expense to average assets | 2.6267% | 4,652 |
| Loan and lease loss provision to assets | 0.0742% | 4,731 |
| Net operating income to assets | 1.5797% | 896 |
| Return on assets (ROA) | 1.5887% | 966 |
| Pretax return on assets | 1.5887% | 1,611 |
| Return on Equity (ROE) | 15.6591% | 787 |
| Retained earnings to average equity (ytd only) | -3.0311% | 6,481 |
| Net charge-offs to loans | 0.1126% | 4,257 |
| Credit loss provision to net charge-offs | 104.6512% | 2,816 |
| Earnings coverage of net charge-offs (x) | 23.3264% | 1,318 |
| Efficiency ratio | 61.3636% | 5,249 |
| Assets per employee ($millions) | 2.8510% | 6,290 |
| Cash dividends to net income (ytd only)* | 119.3565% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7970% | 6,609 |
| Loan loss allowance to noncurrent loans | 41.4431% | 5,574 |
| Noncurrent assets plus other real estate owned to assets | 1.3704% | 3,553 |
| Noncurrent loans to loans | 1.9231% | 2,935 |
| Net loans and leases to total assets | 67.4448% | 2,378 |
| Net loans and leases to deposits | 88.7852% | 1,269 |
| Net loans and leases to core deposits | 103.0492% | 931 |
| Total domestic deposits to total assets | 75.9640% | 6,386 |
| Equity capital to assets | 9.9537% | 4,564 |
| Core capital (leverage) ratio | 9.0210% | 5,033 |
| Tier 1 risk-based capital ratio | 12.0546% | 5,907 |
| Total risk-based capital ratio | 12.7666% | 6,189 |
| Memoranda: | ||
| Average total assets | $161,716,750 | 3,619 |
| Average earning assets | $149,648,000 | 3,596 |
| Average equity | $16,407,500 | 3,751 |
| Average total loans | $101,827,000 | 3,515 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8523% | 2,295 |
| Cost of funding earning assets | 0.7735% | 3,418 |
| Net interest margin | 4.0788% | 2,174 |
| Noninterest income to average assets | 0.2704% | 5,644 |
| Noninterest expense to average assets | 2.7401% | 4,250 |
| Loan and lease loss provision to assets | 0.0748% | 4,690 |
| Net operating income to assets | 1.2336% | 1,603 |
| Return on assets (ROA) | 1.2685% | 1,684 |
| Pretax return on assets | 1.2685% | 2,653 |
| Return on Equity (ROE) | 12.4220% | 1,527 |
| Retained earnings to average equity (ytd only) | -15.6434% | 6,952 |
| Net charge-offs to loans | 0.2279% | 3,209 |
| Credit loss provision to net charge-offs | 53.5714% | 3,962 |
| Earnings coverage of net charge-offs (x) | 9.3750% | 2,179 |
| Efficiency ratio | 67.6824% | 4,190 |
| Assets per employee ($millions) | 2.8872% | 6,259 |
| Cash dividends to net income (ytd only)* | 225.9332% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7493% | 6,757 |
| Loan loss allowance to noncurrent loans | 34.8692% | 5,928 |
| Noncurrent assets plus other real estate owned to assets | 1.4930% | 3,464 |
| Noncurrent loans to loans | 2.1490% | 2,764 |
| Net loans and leases to total assets | 67.6065% | 2,344 |
| Net loans and leases to deposits | 89.2221% | 1,228 |
| Net loans and leases to core deposits | 102.4088% | 953 |
| Total domestic deposits to total assets | 75.7732% | 6,493 |
| Equity capital to assets | 9.4136% | 5,176 |
| Core capital (leverage) ratio | 8.9062% | 5,036 |
| Tier 1 risk-based capital ratio | 11.3832% | 6,289 |
| Total risk-based capital ratio | 12.0537% | 6,564 |
| Memoranda: | ||
| Average total assets | $160,503,670 | 3,654 |
| Average earning assets | $148,670,330 | 3,626 |
| Average equity | $16,390,330 | 3,747 |
| Average total loans | $98,296,000 | 3,617 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6634% | 3,195 |
| Cost of funding earning assets | 0.7809% | 3,623 |
| Net interest margin | 3.8826% | 2,992 |
| Noninterest income to average assets | 0.2726% | 5,689 |
| Noninterest expense to average assets | 2.7967% | 4,047 |
| Loan and lease loss provision to assets | 0.0757% | 4,451 |
| Net operating income to assets | 0.9895% | 2,518 |
| Return on assets (ROA) | 0.9869% | 2,723 |
| Pretax return on assets | 0.9869% | 3,718 |
| Return on Equity (ROE) | 9.2877% | 2,690 |
| Retained earnings to average equity (ytd only) | 9.2877% | 1,484 |
| Net charge-offs to loans | 0.2495% | 2,676 |
| Credit loss provision to net charge-offs | 52.6316% | 3,237 |
| Earnings coverage of net charge-offs (x) | 7.4035% | 2,083 |
| Efficiency ratio | 72.4183% | 3,361 |
| Assets per employee ($millions) | 2.7939% | 6,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 6,405 |
| Loan loss allowance to noncurrent loans | 43.4019% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 1.3205% | 3,912 |
| Noncurrent loans to loans | 2.1981% | 2,919 |
| Net loans and leases to total assets | 56.3898% | 4,314 |
| Net loans and leases to deposits | 70.6899% | 3,629 |
| Net loans and leases to core deposits | 80.6899% | 2,983 |
| Total domestic deposits to total assets | 79.7707% | 5,906 |
| Equity capital to assets | 10.7206% | 3,240 |
| Core capital (leverage) ratio | 9.9692% | 3,395 |
| Tier 1 risk-based capital ratio | 14.8914% | 3,828 |
| Total risk-based capital ratio | 15.6998% | 4,110 |
| Memoranda: | ||
| Average total assets | $158,470,500 | 3,714 |
| Average earning assets | $146,501,000 | 3,690 |
| Average equity | $16,839,500 | 3,674 |
| Average total loans | $91,394,000 | 3,792 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4441% | 1,317 |
| Cost of funding earning assets | 0.9201% | 3,957 |
| Net interest margin | 4.5240% | 1,085 |
| Noninterest income to average assets | 0.2830% | 5,504 |
| Noninterest expense to average assets | 2.7285% | 4,627 |
| Loan and lease loss provision to assets | 0.2509% | 3,691 |
| Net operating income to assets | 1.4942% | 832 |
| Return on assets (ROA) | 1.5045% | 884 |
| Pretax return on assets | 1.5045% | 1,454 |
| Return on Equity (ROE) | 15.4975% | 675 |
| Retained earnings to average equity (ytd only) | 15.4975% | 113 |
| Net charge-offs to loans | 0.2096% | 4,485 |
| Credit loss provision to net charge-offs | 193.0693% | 1,320 |
| Earnings coverage of net charge-offs (x) | 13.4307% | 1,544 |
| Efficiency ratio | 60.9921% | 5,607 |
| Assets per employee ($millions) | 2.7187% | 6,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 6,340 |
| Loan loss allowance to noncurrent loans | 88.7562% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 0.6373% | 5,379 |
| Noncurrent loans to loans | 1.0910% | 4,529 |
| Net loans and leases to total assets | 57.8538% | 4,393 |
| Net loans and leases to deposits | 72.2816% | 3,759 |
| Net loans and leases to core deposits | 80.3396% | 3,411 |
| Total domestic deposits to total assets | 80.0396% | 5,733 |
| Equity capital to assets | 10.5310% | 3,501 |
| Core capital (leverage) ratio | 9.7965% | 3,612 |
| Tier 1 risk-based capital ratio | 14.3866% | 4,053 |
| Total risk-based capital ratio | 15.2122% | 4,305 |
| Memoranda: | ||
| Average total assets | $155,469,000 | 3,713 |
| Average earning assets | $144,009,200 | 3,675 |
| Average equity | $15,092,800 | 3,889 |
| Average total loans | $96,361,400 | 3,721 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4841% | 1,291 |
| Cost of funding earning assets | 0.9442% | 4,084 |
| Net interest margin | 4.5399% | 1,065 |
| Noninterest income to average assets | 0.2926% | 5,517 |
| Noninterest expense to average assets | 2.7318% | 4,604 |
| Loan and lease loss provision to assets | 0.1936% | 4,084 |
| Net operating income to assets | 1.5802% | 799 |
| Return on assets (ROA) | 1.5793% | 876 |
| Pretax return on assets | 1.5793% | 1,438 |
| Return on Equity (ROE) | 16.6272% | 603 |
| Retained earnings to average equity (ytd only) | 16.6272% | 159 |
| Net charge-offs to loans | 0.2573% | 3,824 |
| Credit loss provision to net charge-offs | 119.6809% | 2,722 |
| Earnings coverage of net charge-offs (x) | 10.9628% | 1,859 |
| Efficiency ratio | 60.6304% | 5,619 |
| Assets per employee ($millions) | 2.7988% | 6,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6773% | 6,998 |
| Loan loss allowance to noncurrent loans | 77.1875% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 0.5914% | 5,637 |
| Noncurrent loans to loans | 0.8774% | 5,102 |
| Net loans and leases to total assets | 66.9439% | 2,685 |
| Net loans and leases to deposits | 91.1128% | 1,098 |
| Net loans and leases to core deposits | 104.1149% | 973 |
| Total domestic deposits to total assets | 73.4737% | 6,818 |
| Equity capital to assets | 9.9789% | 4,371 |
| Core capital (leverage) ratio | 9.1278% | 4,749 |
| Tier 1 risk-based capital ratio | 12.2035% | 5,740 |
| Total risk-based capital ratio | 12.8048% | 6,197 |
| Memoranda: | ||
| Average total assets | $154,914,500 | 3,742 |
| Average earning assets | $143,757,500 | 3,706 |
| Average equity | $14,714,500 | 3,981 |
| Average total loans | $97,421,750 | 3,715 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2288% | 2,153 |
| Cost of funding earning assets | 0.9791% | 4,098 |
| Net interest margin | 4.2497% | 1,846 |
| Noninterest income to average assets | 0.2939% | 5,530 |
| Noninterest expense to average assets | 2.8444% | 4,251 |
| Loan and lease loss provision to assets | 0.1443% | 4,501 |
| Net operating income to assets | 1.2516% | 1,439 |
| Return on assets (ROA) | 1.2529% | 1,505 |
| Pretax return on assets | 1.2529% | 2,294 |
| Return on Equity (ROE) | 13.4321% | 1,107 |
| Retained earnings to average equity (ytd only) | 13.4321% | 362 |
| Net charge-offs to loans | 0.1220% | 4,496 |
| Credit loss provision to net charge-offs | 192.9825% | 1,562 |
| Earnings coverage of net charge-offs (x) | 18.6667% | 1,247 |
| Efficiency ratio | 67.0792% | 4,687 |
| Assets per employee ($millions) | 2.7502% | 6,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7280% | 6,983 |
| Loan loss allowance to noncurrent loans | 47.6101% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 1.0143% | 4,848 |
| Noncurrent loans to loans | 1.5290% | 4,128 |
| Net loans and leases to total assets | 65.8512% | 3,058 |
| Net loans and leases to deposits | 86.9760% | 1,651 |
| Net loans and leases to core deposits | 100.1611% | 1,329 |
| Total domestic deposits to total assets | 75.7119% | 6,642 |
| Equity capital to assets | 9.6157% | 4,640 |
| Core capital (leverage) ratio | 9.2686% | 4,295 |
| Tier 1 risk-based capital ratio | 12.0816% | 5,722 |
| Total risk-based capital ratio | 12.7275% | 6,171 |
| Memoranda: | ||
| Average total assets | $152,441,670 | 3,810 |
| Average earning assets | $141,563,000 | 3,765 |
| Average equity | $14,219,670 | 4,081 |
| Average total loans | $93,424,670 | 3,851 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0366% | 2,922 |
| Cost of funding earning assets | 1.0274% | 4,007 |
| Net interest margin | 4.0092% | 2,651 |
| Noninterest income to average assets | 0.2555% | 5,854 |
| Noninterest expense to average assets | 2.7522% | 4,636 |
| Loan and lease loss provision to assets | 0.2529% | 3,130 |
| Net operating income to assets | 0.9689% | 2,284 |
| Return on assets (ROA) | 0.9689% | 2,348 |
| Pretax return on assets | 0.9689% | 3,252 |
| Return on Equity (ROE) | 10.5565% | 1,890 |
| Retained earnings to average equity (ytd only) | 10.5565% | 981 |
| Net charge-offs to loans | 0.2042% | 3,282 |
| Credit loss provision to net charge-offs | 211.1111% | 1,420 |
| Earnings coverage of net charge-offs (x) | 10.2000% | 1,652 |
| Efficiency ratio | 69.2565% | 4,423 |
| Assets per employee ($millions) | 2.6215% | 6,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8737% | 6,762 |
| Loan loss allowance to noncurrent loans | 62.3656% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 0.8091% | 5,288 |
| Noncurrent loans to loans | 1.4010% | 4,372 |
| Net loans and leases to total assets | 57.2482% | 4,754 |
| Net loans and leases to deposits | 69.7585% | 4,382 |
| Net loans and leases to core deposits | 77.9980% | 4,018 |
| Total domestic deposits to total assets | 82.0663% | 5,282 |
| Equity capital to assets | 9.3741% | 4,617 |
| Core capital (leverage) ratio | 8.9343% | 4,719 |
| Tier 1 risk-based capital ratio | 13.3595% | 4,536 |
| Total risk-based capital ratio | 14.1019% | 4,915 |
| Memoranda: | ||
| Average total assets | $150,280,500 | 3,872 |
| Average earning assets | $139,378,500 | 3,834 |
| Average equity | $13,792,500 | 4,154 |
| Average total loans | $88,143,000 | 4,015 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6390% | 1,773 |
| Cost of funding earning assets | 1.2757% | 4,048 |
| Net interest margin | 4.3632% | 1,606 |
| Noninterest income to average assets | 0.3115% | 5,572 |
| Noninterest expense to average assets | 2.7089% | 4,949 |
| Loan and lease loss provision to assets | 0.2141% | 5,111 |
| Net operating income to assets | 1.4095% | 930 |
| Return on assets (ROA) | 1.4575% | 906 |
| Pretax return on assets | 1.4575% | 1,489 |
| Return on Equity (ROE) | 15.0144% | 715 |
| Retained earnings to average equity (ytd only) | -1.9472% | 5,963 |
| Net charge-offs to loans | 0.2039% | 5,065 |
| Credit loss provision to net charge-offs | 176.6304% | 1,888 |
| Earnings coverage of net charge-offs (x) | 13.3967% | 1,414 |
| Efficiency ratio | 62.5266% | 5,625 |
| Assets per employee ($millions) | 2.7480% | 6,611 |
| Cash dividends to net income (ytd only)* | 112.9688% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7823% | 7,008 |
| Loan loss allowance to noncurrent loans | 67.7575% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 0.6875% | 5,628 |
| Noncurrent loans to loans | 1.1546% | 4,797 |
| Net loans and leases to total assets | 59.0758% | 4,829 |
| Net loans and leases to deposits | 73.4405% | 4,287 |
| Net loans and leases to core deposits | 82.4775% | 3,821 |
| Total domestic deposits to total assets | 80.4404% | 5,709 |
| Equity capital to assets | 8.9838% | 5,165 |
| Core capital (leverage) ratio | 8.8192% | 4,830 |
| Tier 1 risk-based capital ratio | 12.5994% | 4,936 |
| Total risk-based capital ratio | 13.2711% | 5,437 |
| Memoranda: | ||
| Average total assets | $151,832,000 | 3,848 |
| Average earning assets | $139,919,000 | 3,821 |
| Average equity | $14,739,200 | 3,987 |
| Average total loans | $90,241,200 | 4,044 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6055% | 2,039 |
| Cost of funding earning assets | 1.3185% | 4,121 |
| Net interest margin | 4.2870% | 1,891 |
| Noninterest income to average assets | 0.3166% | 5,615 |
| Noninterest expense to average assets | 2.7358% | 4,740 |
| Loan and lease loss provision to assets | 0.2017% | 5,032 |
| Net operating income to assets | 1.3262% | 1,292 |
| Return on assets (ROA) | 1.3929% | 1,198 |
| Pretax return on assets | 1.3929% | 1,899 |
| Return on Equity (ROE) | 14.0875% | 1,016 |
| Retained earnings to average equity (ytd only) | 14.0875% | 266 |
| Net charge-offs to loans | 0.1949% | 4,780 |
| Credit loss provision to net charge-offs | 174.2424% | 2,114 |
| Earnings coverage of net charge-offs (x) | 13.1966% | 1,610 |
| Efficiency ratio | 64.1638% | 5,213 |
| Assets per employee ($millions) | 2.6300% | 6,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6561% | 7,272 |
| Loan loss allowance to noncurrent loans | 27.0458% | 6,517 |
| Noncurrent assets plus other real estate owned to assets | 1.6594% | 3,955 |
| Noncurrent loans to loans | 2.4259% | 3,206 |
| Net loans and leases to total assets | 67.9574% | 3,226 |
| Net loans and leases to deposits | 85.5452% | 2,433 |
| Net loans and leases to core deposits | 96.4313% | 2,206 |
| Total domestic deposits to total assets | 79.4404% | 5,887 |
| Equity capital to assets | 10.8821% | 3,074 |
| Core capital (leverage) ratio | 9.6113% | 3,751 |
| Tier 1 risk-based capital ratio | 13.6497% | 4,081 |
| Total risk-based capital ratio | 14.2480% | 4,555 |
| Memoranda: | ||
| Average total assets | $152,005,500 | 3,899 |
| Average earning assets | $139,953,500 | 3,875 |
| Average equity | $15,029,500 | 3,981 |
| Average total loans | $90,304,000 | 4,105 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2637% | 3,627 |
| Cost of funding earning assets | 1.3290% | 4,347 |
| Net interest margin | 3.9347% | 3,298 |
| Noninterest income to average assets | 0.3269% | 5,537 |
| Noninterest expense to average assets | 2.6983% | 4,917 |
| Loan and lease loss provision to assets | 0.1693% | 5,183 |
| Net operating income to assets | 1.0835% | 1,910 |
| Return on assets (ROA) | 1.1694% | 1,709 |
| Pretax return on assets | 1.1694% | 2,519 |
| Return on Equity (ROE) | 12.2202% | 1,395 |
| Retained earnings to average equity (ytd only) | 12.2202% | 457 |
| Net charge-offs to loans | 0.1221% | 4,964 |
| Credit loss provision to net charge-offs | 245.2830% | 1,568 |
| Earnings coverage of net charge-offs (x) | 18.1509% | 1,300 |
| Efficiency ratio | 68.2927% | 4,526 |
| Assets per employee ($millions) | 2.8324% | 6,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6608% | 7,319 |
| Loan loss allowance to noncurrent loans | 24.5023% | 6,706 |
| Noncurrent assets plus other real estate owned to assets | 1.6767% | 3,921 |
| Noncurrent loans to loans | 2.6970% | 2,952 |
| Net loans and leases to total assets | 61.7579% | 4,730 |
| Net loans and leases to deposits | 82.6854% | 3,137 |
| Net loans and leases to core deposits | 90.0511% | 3,251 |
| Total domestic deposits to total assets | 74.6901% | 6,886 |
| Equity capital to assets | 9.8940% | 4,149 |
| Core capital (leverage) ratio | 9.5053% | 3,816 |
| Tier 1 risk-based capital ratio | 13.2582% | 4,245 |
| Total risk-based capital ratio | 13.8478% | 4,738 |
| Memoranda: | ||
| Average total assets | $153,581,000 | 3,892 |
| Average earning assets | $141,458,330 | 3,877 |
| Average equity | $14,697,000 | 4,052 |
| Average total loans | $86,822,670 | 4,232 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0261% | 4,903 |
| Cost of funding earning assets | 1.4148% | 4,086 |
| Net interest margin | 3.6112% | 4,679 |
| Noninterest income to average assets | 0.2833% | 5,872 |
| Noninterest expense to average assets | 2.7702% | 4,605 |
| Loan and lease loss provision to assets | 0.3017% | 3,625 |
| Net operating income to assets | 0.5325% | 4,219 |
| Return on assets (ROA) | 0.7057% | 3,525 |
| Pretax return on assets | 0.7057% | 4,211 |
| Return on Equity (ROE) | 7.5040% | 3,115 |
| Retained earnings to average equity (ytd only) | 7.5040% | 1,924 |
| Net charge-offs to loans | 0.2591% | 3,377 |
| Credit loss provision to net charge-offs | 216.9811% | 1,727 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,302 |
| Efficiency ratio | 76.8559% | 3,083 |
| Assets per employee ($millions) | 2.7706% | 6,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7675% | 7,207 |
| Loan loss allowance to noncurrent loans | 24.3760% | 6,782 |
| Noncurrent assets plus other real estate owned to assets | 1.7461% | 3,859 |
| Noncurrent loans to loans | 3.1484% | 2,550 |
| Net loans and leases to total assets | 55.0332% | 5,888 |
| Net loans and leases to deposits | 67.0586% | 5,704 |
| Net loans and leases to core deposits | 75.1281% | 5,370 |
| Total domestic deposits to total assets | 82.0674% | 5,051 |
| Equity capital to assets | 9.8125% | 4,091 |
| Core capital (leverage) ratio | 8.9588% | 4,637 |
| Tier 1 risk-based capital ratio | 14.5092% | 3,369 |
| Total risk-based capital ratio | 15.1682% | 3,671 |
| Memoranda: | ||
| Average total assets | $152,481,000 | 3,973 |
| Average earning assets | $140,229,000 | 3,960 |
| Average equity | $14,339,000 | 4,159 |
| Average total loans | $81,810,500 | 4,450 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8888% | 2,284 |
| Cost of funding earning assets | 1.8240% | 3,859 |
| Net interest margin | 4.0649% | 2,590 |
| Noninterest income to average assets | 0.3324% | 5,711 |
| Noninterest expense to average assets | 2.9937% | 4,167 |
| Loan and lease loss provision to assets | 0.0199% | 7,303 |
| Net operating income to assets | 1.0717% | 1,590 |
| Return on assets (ROA) | 1.0511% | 1,706 |
| Pretax return on assets | 1.0511% | 2,408 |
| Return on Equity (ROE) | 11.8020% | 1,210 |
| Retained earnings to average equity (ytd only) | 11.8020% | 226 |
| Net charge-offs to loans | 0.1016% | 6,116 |
| Credit loss provision to net charge-offs | 36.1446% | 6,860 |
| Earnings coverage of net charge-offs (x) | 19.7831% | 1,066 |
| Efficiency ratio | 73.2791% | 4,038 |
| Assets per employee ($millions) | 3.0407% | 6,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6851% | 7,405 |
| Loan loss allowance to noncurrent loans | 45.5133% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 0.7823% | 5,542 |
| Noncurrent loans to loans | 1.5052% | 4,406 |
| Net loans and leases to total assets | 51.6197% | 6,464 |
| Net loans and leases to deposits | 62.1355% | 6,454 |
| Net loans and leases to core deposits | 84.4735% | 5,675 |
| Total domestic deposits to total assets | 83.0759% | 4,492 |
| Equity capital to assets | 9.0243% | 5,106 |
| Core capital (leverage) ratio | 8.5844% | 5,126 |
| Tier 1 risk-based capital ratio | 14.0713% | 3,455 |
| Total risk-based capital ratio | 14.6585% | 3,824 |
| Memoranda: | ||
| Average total assets | $150,414,800 | 3,952 |
| Average earning assets | $138,873,400 | 3,928 |
| Average equity | $13,396,000 | 4,406 |
| Average total loans | $81,677,000 | 4,456 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0174% | 1,961 |
| Cost of funding earning assets | 1.8945% | 3,912 |
| Net interest margin | 4.1230% | 2,310 |
| Noninterest income to average assets | 0.3565% | 5,641 |
| Noninterest expense to average assets | 2.8616% | 4,606 |
| Loan and lease loss provision to assets | 0.0135% | 7,195 |
| Net operating income to assets | 1.2939% | 1,235 |
| Return on assets (ROA) | 1.2750% | 1,348 |
| Pretax return on assets | 1.2750% | 2,029 |
| Return on Equity (ROE) | 14.3673% | 864 |
| Retained earnings to average equity (ytd only) | 14.3673% | 177 |
| Net charge-offs to loans | 0.1063% | 5,607 |
| Credit loss provision to net charge-offs | 23.0769% | 6,547 |
| Earnings coverage of net charge-offs (x) | 22.4011% | 1,160 |
| Efficiency ratio | 68.6410% | 4,854 |
| Assets per employee ($millions) | 2.8330% | 6,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6111% | 7,557 |
| Loan loss allowance to noncurrent loans | 43.7742% | 5,397 |
| Noncurrent assets plus other real estate owned to assets | 0.8611% | 5,360 |
| Noncurrent loans to loans | 1.3959% | 4,581 |
| Net loans and leases to total assets | 61.3124% | 5,358 |
| Net loans and leases to deposits | 75.3164% | 5,156 |
| Net loans and leases to core deposits | 103.4522% | 4,001 |
| Total domestic deposits to total assets | 81.4065% | 4,918 |
| Equity capital to assets | 9.4233% | 4,858 |
| Core capital (leverage) ratio | 8.6947% | 5,133 |
| Tier 1 risk-based capital ratio | 13.1379% | 4,094 |
| Total risk-based capital ratio | 13.6958% | 4,542 |
| Memoranda: | ||
| Average total assets | $148,489,000 | 4,000 |
| Average earning assets | $137,309,000 | 3,978 |
| Average equity | $13,177,750 | 4,492 |
| Average total loans | $81,550,500 | 4,501 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8386% | 2,854 |
| Cost of funding earning assets | 1.9443% | 4,037 |
| Net interest margin | 3.8943% | 3,146 |
| Noninterest income to average assets | 0.3637% | 5,603 |
| Noninterest expense to average assets | 2.7796% | 5,047 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1857% | 1,514 |
| Return on assets (ROA) | 1.1573% | 1,670 |
| Pretax return on assets | 1.1573% | 2,437 |
| Return on Equity (ROE) | 13.3188% | 1,115 |
| Retained earnings to average equity (ytd only) | 13.3188% | 295 |
| Net charge-offs to loans | 0.1310% | 4,859 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 17.1961% | 1,491 |
| Efficiency ratio | 70.0989% | 4,757 |
| Assets per employee ($millions) | 2.6799% | 6,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6447% | 7,553 |
| Loan loss allowance to noncurrent loans | 43.1298% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 0.9125% | 5,152 |
| Noncurrent loans to loans | 1.4947% | 4,254 |
| Net loans and leases to total assets | 59.0766% | 5,827 |
| Net loans and leases to deposits | 72.5809% | 5,657 |
| Net loans and leases to core deposits | 96.9126% | 4,801 |
| Total domestic deposits to total assets | 81.3942% | 4,928 |
| Equity capital to assets | 9.0525% | 5,241 |
| Core capital (leverage) ratio | 8.7223% | 5,057 |
| Tier 1 risk-based capital ratio | 13.1529% | 4,035 |
| Total risk-based capital ratio | 13.7350% | 4,458 |
| Memoranda: | ||
| Average total assets | $147,935,670 | 4,030 |
| Average earning assets | $136,813,670 | 4,012 |
| Average equity | $12,854,000 | 4,580 |
| Average total loans | $77,858,670 | 4,661 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6470% | 4,069 |
| Cost of funding earning assets | 2.0185% | 4,042 |
| Net interest margin | 3.6286% | 4,193 |
| Noninterest income to average assets | 0.2969% | 6,063 |
| Noninterest expense to average assets | 3.0039% | 3,750 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6504% | 3,800 |
| Return on assets (ROA) | 0.6558% | 3,954 |
| Pretax return on assets | 0.6558% | 4,569 |
| Return on Equity (ROE) | 7.7085% | 3,278 |
| Retained earnings to average equity (ytd only) | 7.7085% | 1,923 |
| Net charge-offs to loans | 0.0384% | 4,969 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 34.4286% | 959 |
| Efficiency ratio | 82.2009% | 2,509 |
| Assets per employee ($millions) | 2.6977% | 6,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8106% | 7,116 |
| Loan loss allowance to noncurrent loans | 70.9790% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 0.5890% | 5,714 |
| Noncurrent loans to loans | 1.1420% | 4,709 |
| Net loans and leases to total assets | 51.1546% | 6,758 |
| Net loans and leases to deposits | 60.9975% | 6,814 |
| Net loans and leases to core deposits | 78.9859% | 6,461 |
| Total domestic deposits to total assets | 83.8635% | 3,768 |
| Equity capital to assets | 8.8058% | 5,614 |
| Core capital (leverage) ratio | 8.2517% | 5,998 |
| Tier 1 risk-based capital ratio | 13.9108% | 3,641 |
| Total risk-based capital ratio | 14.6078% | 3,869 |
| Memoranda: | ||
| Average total assets | $148,206,000 | 4,043 |
| Average earning assets | $137,134,500 | 4,012 |
| Average equity | $12,609,500 | 4,676 |
| Average total loans | $72,967,500 | 4,872 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5486% | 2,726 |
| Cost of funding earning assets | 2.4802% | 4,315 |
| Net interest margin | 4.0684% | 2,839 |
| Noninterest income to average assets | 0.3489% | 5,943 |
| Noninterest expense to average assets | 3.0629% | 3,851 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0070% | 2,529 |
| Return on assets (ROA) | 1.0489% | 2,251 |
| Pretax return on assets | 1.0489% | 3,214 |
| Return on Equity (ROE) | 9.8969% | 2,296 |
| Retained earnings to average equity (ytd only) | -52.9845% | 8,158 |
| Net charge-offs to loans | 0.3250% | 3,227 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 5.7837% | 3,536 |
| Efficiency ratio | 75.2576% | 3,367 |
| Assets per employee ($millions) | 2.5548% | 7,099 |
| Cash dividends to net income (ytd only)* | 635.3659% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8700% | 6,809 |
| Loan loss allowance to noncurrent loans | 82.1333% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 0.5082% | 5,659 |
| Noncurrent loans to loans | 1.0592% | 4,456 |
| Net loans and leases to total assets | 46.5649% | 7,276 |
| Net loans and leases to deposits | 55.6887% | 7,343 |
| Net loans and leases to core deposits | 71.8615% | 7,089 |
| Total domestic deposits to total assets | 83.6164% | 3,521 |
| Equity capital to assets | 8.2203% | 6,521 |
| Core capital (leverage) ratio | 8.0234% | 6,451 |
| Tier 1 risk-based capital ratio | 14.1424% | 3,477 |
| Total risk-based capital ratio | 14.8738% | 3,652 |
| Memoranda: | ||
| Average total assets | $140,718,400 | 4,070 |
| Average earning assets | $128,699,600 | 4,066 |
| Average equity | $14,913,800 | 4,158 |
| Average total loans | $75,387,800 | 4,673 |