Home > Bank of Gravette > Performance and Condition Ratios
Bank of Gravette, 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 | 4.3510% | 966 |
| Cost of funding earning assets | 0.7380% | 471 |
| Net interest margin | 3.6130% | 1,549 |
| Noninterest income to average assets | 0.4813% | 2,703 |
| Noninterest expense to average assets | 2.8501% | 1,255 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4523% | 4,269 |
| Return on assets (ROA) | 0.4523% | 4,305 |
| Pretax return on assets | 0.6263% | 4,153 |
| Return on Equity (ROE) | 3.4519% | 4,385 |
| Retained earnings to average equity (ytd only) | -7.6119% | 4,766 |
| Net charge-offs to loans | -0.4643% | 4,886 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4804% | 1,092 |
| Assets per employee ($millions) | 5.3773% | 3,249 |
| Cash dividends to net income (ytd only)* | 320.5128% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8351% | 4,335 |
| Loan loss allowance to noncurrent loans | 100.4926% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 0.5808% | 1,640 |
| Noncurrent loans to loans | 0.8310% | 1,608 |
| Net loans and leases to total assets | 69.3055% | 1,380 |
| Net loans and leases to deposits | 79.8076% | 1,536 |
| Net loans and leases to core deposits | 84.2222% | 1,658 |
| Total domestic deposits to total assets | 86.8407% | 2,375 |
| Equity capital to assets | 12.8052% | 969 |
| Core capital (leverage) ratio | 8.5635% | 4,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,961,500 | 3,663 |
| Average earning assets | $114,363,500 | 3,808 |
| Average equity | $18,077,000 | 3,414 |
| Average total loans | $97,344,500 | 3,301 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8794% | 621 |
| Cost of funding earning assets | 1.1009% | 398 |
| Net interest margin | 3.7786% | 1,560 |
| Noninterest income to average assets | 0.4617% | 2,812 |
| Noninterest expense to average assets | 3.1005% | 1,229 |
| Loan and lease loss provision to assets | 0.0599% | 3,622 |
| Net operating income to assets | 0.3171% | 4,409 |
| Return on assets (ROA) | 0.3330% | 4,450 |
| Pretax return on assets | 0.4348% | 4,368 |
| Return on Equity (ROE) | 2.4182% | 4,504 |
| Retained earnings to average equity (ytd only) | -0.2989% | 4,565 |
| Net charge-offs to loans | -0.0402% | 4,621 |
| Credit loss provision to net charge-offs | -228.5714% | 3,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0341% | 813 |
| Assets per employee ($millions) | 5.2351% | 3,111 |
| Cash dividends to net income (ytd only)* | 112.3596% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7259% | 4,547 |
| Loan loss allowance to noncurrent loans | 85.3333% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 0.6061% | 1,743 |
| Noncurrent loans to loans | 0.8507% | 1,661 |
| Net loans and leases to total assets | 70.7302% | 1,464 |
| Net loans and leases to deposits | 81.9861% | 1,664 |
| Net loans and leases to core deposits | 86.8686% | 1,800 |
| Total domestic deposits to total assets | 86.2710% | 2,244 |
| Equity capital to assets | 13.4087% | 962 |
| Core capital (leverage) ratio | 8.9784% | 3,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,625,200 | 3,579 |
| Average earning assets | $110,094,600 | 3,768 |
| Average equity | $18,402,000 | 3,332 |
| Average total loans | $87,055,400 | 3,453 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9161% | 712 |
| Cost of funding earning assets | 1.1761% | 405 |
| Net interest margin | 3.7400% | 1,794 |
| Noninterest income to average assets | 0.5052% | 2,599 |
| Noninterest expense to average assets | 3.1808% | 1,098 |
| Loan and lease loss provision to assets | 0.0804% | 3,306 |
| Net operating income to assets | 0.2362% | 4,539 |
| Return on assets (ROA) | 0.2576% | 4,557 |
| Pretax return on assets | 0.3509% | 4,488 |
| Return on Equity (ROE) | 1.8583% | 4,572 |
| Retained earnings to average equity (ytd only) | 1.8583% | 3,978 |
| Net charge-offs to loans | -0.0520% | 4,688 |
| Credit loss provision to net charge-offs | -242.4242% | 3,670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0257% | 670 |
| Assets per employee ($millions) | 4.9594% | 3,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7168% | 4,545 |
| Loan loss allowance to noncurrent loans | 85.2977% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 1.2121% | 820 |
| Noncurrent loans to loans | 0.8403% | 1,751 |
| Net loans and leases to total assets | 72.6157% | 1,568 |
| Net loans and leases to deposits | 84.5405% | 1,852 |
| Net loans and leases to core deposits | 89.8952% | 1,982 |
| Total domestic deposits to total assets | 85.8945% | 2,113 |
| Equity capital to assets | 13.8703% | 893 |
| Core capital (leverage) ratio | 9.1693% | 3,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,003,250 | 3,576 |
| Average earning assets | $109,515,500 | 3,763 |
| Average equity | $18,439,750 | 3,323 |
| Average total loans | $84,575,000 | 3,509 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9864% | 842 |
| Cost of funding earning assets | 1.2365% | 454 |
| Net interest margin | 3.7499% | 1,992 |
| Noninterest income to average assets | 0.5004% | 2,558 |
| Noninterest expense to average assets | 3.2358% | 1,098 |
| Loan and lease loss provision to assets | 0.1206% | 2,820 |
| Net operating income to assets | 0.1683% | 4,609 |
| Return on assets (ROA) | 0.2004% | 4,615 |
| Pretax return on assets | 0.2743% | 4,564 |
| Return on Equity (ROE) | 1.4460% | 4,628 |
| Retained earnings to average equity (ytd only) | 1.4460% | 3,957 |
| Net charge-offs to loans | -0.0799% | 4,804 |
| Credit loss provision to net charge-offs | -250.0000% | 3,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4249% | 617 |
| Assets per employee ($millions) | 4.8571% | 3,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8403% | 4,219 |
| Loan loss allowance to noncurrent loans | 62.4221% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 1.4140% | 686 |
| Noncurrent loans to loans | 1.3461% | 1,142 |
| Net loans and leases to total assets | 60.8269% | 3,235 |
| Net loans and leases to deposits | 70.6481% | 3,374 |
| Net loans and leases to core deposits | 75.4031% | 3,338 |
| Total domestic deposits to total assets | 86.0984% | 1,972 |
| Equity capital to assets | 13.5707% | 963 |
| Core capital (leverage) ratio | 9.1022% | 3,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,702,667 | 3,567 |
| Average earning assets | $109,337,000 | 3,752 |
| Average equity | $18,395,333 | 3,327 |
| Average total loans | $80,120,667 | 3,569 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2470% | 607 |
| Cost of funding earning assets | 1.3302% | 514 |
| Net interest margin | 3.9168% | 1,618 |
| Noninterest income to average assets | 0.5433% | 2,314 |
| Noninterest expense to average assets | 3.2963% | 1,235 |
| Loan and lease loss provision to assets | 0.1831% | 1,634 |
| Net operating income to assets | 0.2126% | 4,508 |
| Return on assets (ROA) | 0.2777% | 4,415 |
| Pretax return on assets | 0.3815% | 4,328 |
| Return on Equity (ROE) | 1.9820% | 4,447 |
| Retained earnings to average equity (ytd only) | 1.9820% | 3,448 |
| Net charge-offs to loans | -0.0051% | 3,873 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8255% | 986 |
| Assets per employee ($millions) | 4.1274% | 3,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8012% | 4,409 |
| Loan loss allowance to noncurrent loans | 72.4638% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 1.3263% | 872 |
| Noncurrent loans to loans | 1.1056% | 1,499 |
| Net loans and leases to total assets | 62.9001% | 3,200 |
| Net loans and leases to deposits | 73.8261% | 3,287 |
| Net loans and leases to core deposits | 78.6798% | 3,302 |
| Total domestic deposits to total assets | 85.2004% | 2,335 |
| Equity capital to assets | 14.4003% | 926 |
| Core capital (leverage) ratio | 9.1998% | 4,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,054,500 | 3,574 |
| Average earning assets | $108,253,000 | 3,745 |
| Average equity | $18,365,000 | 3,338 |
| Average total loans | $78,468,500 | 3,609 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4755% | 584 |
| Cost of funding earning assets | 1.3792% | 603 |
| Net interest margin | 4.0963% | 1,553 |
| Noninterest income to average assets | 0.5618% | 2,410 |
| Noninterest expense to average assets | 3.2350% | 1,434 |
| Loan and lease loss provision to assets | 0.2172% | 906 |
| Net operating income to assets | 0.3889% | 4,610 |
| Return on assets (ROA) | 0.3895% | 4,643 |
| Pretax return on assets | 0.5318% | 4,520 |
| Return on Equity (ROE) | 2.8880% | 4,682 |
| Retained earnings to average equity (ytd only) | 2.8880% | 3,586 |
| Net charge-offs to loans | 0.0830% | 1,927 |
| Credit loss provision to net charge-offs | 467.7419% | 622 |
| Earnings coverage of net charge-offs (x) | 16.1129% | 2,192 |
| Efficiency ratio | 76.5325% | 1,308 |
| Assets per employee ($millions) | 4.1925% | 3,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7770% | 4,373 |
| Loan loss allowance to noncurrent loans | 57.6321% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 1.3581% | 785 |
| Noncurrent loans to loans | 1.3482% | 1,104 |
| Net loans and leases to total assets | 56.0659% | 3,918 |
| Net loans and leases to deposits | 65.1565% | 3,997 |
| Net loans and leases to core deposits | 69.2481% | 4,005 |
| Total domestic deposits to total assets | 86.0480% | 2,050 |
| Equity capital to assets | 13.6442% | 1,231 |
| Core capital (leverage) ratio | 8.8692% | 4,626 |
| Tier 1 risk-based capital ratio | 13.6753% | 3,424 |
| Total risk-based capital ratio | 14.3830% | 3,609 |
| Memoranda: | ||
| Average total assets | $133,509,000 | 3,519 |
| Average earning assets | $111,515,000 | 3,683 |
| Average equity | $18,005,400 | 3,341 |
| Average total loans | $74,695,400 | 3,689 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5040% | 581 |
| Cost of funding earning assets | 1.3470% | 682 |
| Net interest margin | 4.1571% | 1,478 |
| Noninterest income to average assets | 0.5619% | 2,402 |
| Noninterest expense to average assets | 3.2866% | 1,302 |
| Loan and lease loss provision to assets | 0.2340% | 718 |
| Net operating income to assets | 0.3772% | 4,757 |
| Return on assets (ROA) | 0.3780% | 4,781 |
| Pretax return on assets | 0.5169% | 4,679 |
| Return on Equity (ROE) | 2.8108% | 4,796 |
| Retained earnings to average equity (ytd only) | 2.8108% | 3,967 |
| Net charge-offs to loans | 0.0753% | 1,744 |
| Credit loss provision to net charge-offs | 557.1429% | 581 |
| Earnings coverage of net charge-offs (x) | 17.8568% | 2,074 |
| Efficiency ratio | 76.8145% | 1,236 |
| Assets per employee ($millions) | 4.2468% | 3,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7423% | 4,566 |
| Loan loss allowance to noncurrent loans | 129.5082% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.9139% | 1,484 |
| Noncurrent loans to loans | 0.5732% | 2,581 |
| Net loans and leases to total assets | 54.4125% | 4,144 |
| Net loans and leases to deposits | 63.0172% | 4,235 |
| Net loans and leases to core deposits | 67.3832% | 4,197 |
| Total domestic deposits to total assets | 86.3455% | 1,847 |
| Equity capital to assets | 13.3756% | 1,417 |
| Core capital (leverage) ratio | 8.7232% | 4,816 |
| Tier 1 risk-based capital ratio | 14.0941% | 3,282 |
| Total risk-based capital ratio | 14.7907% | 3,459 |
| Memoranda: | ||
| Average total assets | $133,346,250 | 3,555 |
| Average earning assets | $111,454,500 | 3,725 |
| Average equity | $17,930,500 | 3,372 |
| Average total loans | $74,417,500 | 3,735 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4035% | 673 |
| Cost of funding earning assets | 1.2791% | 791 |
| Net interest margin | 4.1244% | 1,539 |
| Noninterest income to average assets | 0.5585% | 2,350 |
| Noninterest expense to average assets | 3.3510% | 1,192 |
| Loan and lease loss provision to assets | 0.2234% | 736 |
| Net operating income to assets | 0.3173% | 4,854 |
| Return on assets (ROA) | 0.3185% | 4,863 |
| Pretax return on assets | 0.4317% | 4,788 |
| Return on Equity (ROE) | 2.3644% | 4,896 |
| Retained earnings to average equity (ytd only) | 2.3644% | 3,999 |
| Net charge-offs to loans | -0.0027% | 4,010 |
| Credit loss provision to net charge-offs | -14,800.0000% | 4,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0803% | 1,056 |
| Assets per employee ($millions) | 3.9554% | 3,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6570% | 4,785 |
| Loan loss allowance to noncurrent loans | 65.3846% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 1.2053% | 1,095 |
| Noncurrent loans to loans | 1.0049% | 1,631 |
| Net loans and leases to total assets | 57.3395% | 3,976 |
| Net loans and leases to deposits | 66.4544% | 4,065 |
| Net loans and leases to core deposits | 70.5117% | 4,092 |
| Total domestic deposits to total assets | 86.2840% | 1,902 |
| Equity capital to assets | 13.3784% | 1,387 |
| Core capital (leverage) ratio | 8.6536% | 4,879 |
| Tier 1 risk-based capital ratio | 13.2178% | 3,727 |
| Total risk-based capital ratio | 13.8324% | 3,976 |
| Memoranda: | ||
| Average total assets | $132,496,000 | 3,592 |
| Average earning assets | $110,706,670 | 3,766 |
| Average equity | $17,848,330 | 3,373 |
| Average total loans | $74,390,670 | 3,758 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1943% | 921 |
| Cost of funding earning assets | 1.0359% | 1,426 |
| Net interest margin | 4.1584% | 1,406 |
| Noninterest income to average assets | 0.5566% | 2,247 |
| Noninterest expense to average assets | 3.2851% | 1,320 |
| Loan and lease loss provision to assets | 0.1703% | 982 |
| Net operating income to assets | 0.4174% | 4,690 |
| Return on assets (ROA) | 0.4198% | 4,698 |
| Pretax return on assets | 0.5719% | 4,565 |
| Return on Equity (ROE) | 3.1052% | 4,767 |
| Retained earnings to average equity (ytd only) | 3.1052% | 3,696 |
| Net charge-offs to loans | 0.0110% | 2,291 |
| Credit loss provision to net charge-offs | 2,800.0000% | 157 |
| Earnings coverage of net charge-offs (x) | 121.5000% | 581 |
| Efficiency ratio | 77.7778% | 1,294 |
| Assets per employee ($millions) | 4.0683% | 3,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3840% | 5,189 |
| Loan loss allowance to noncurrent loans | 30.9471% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 1.3184% | 983 |
| Noncurrent loans to loans | 1.2409% | 1,327 |
| Net loans and leases to total assets | 54.2941% | 4,193 |
| Net loans and leases to deposits | 62.7779% | 4,253 |
| Net loans and leases to core deposits | 65.8387% | 4,288 |
| Total domestic deposits to total assets | 86.4861% | 2,076 |
| Equity capital to assets | 13.3165% | 1,287 |
| Core capital (leverage) ratio | 8.7246% | 4,851 |
| Tier 1 risk-based capital ratio | 14.0989% | 3,297 |
| Total risk-based capital ratio | 14.4642% | 3,670 |
| Memoranda: | ||
| Average total assets | $131,501,500 | 3,640 |
| Average earning assets | $109,658,000 | 3,821 |
| Average equity | $17,776,500 | 3,372 |
| Average total loans | $72,640,500 | 3,825 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6798% | 5,322 |
| Cost of funding earning assets | 0.4402% | 3,739 |
| Net interest margin | 2.2396% | 5,296 |
| Noninterest income to average assets | 0.3172% | 3,993 |
| Noninterest expense to average assets | 1.7925% | 5,007 |
| Loan and lease loss provision to assets | 0.1553% | 1,354 |
| Net operating income to assets | 0.2217% | 5,086 |
| Return on assets (ROA) | 0.2217% | 5,083 |
| Pretax return on assets | 0.2873% | 5,058 |
| Return on Equity (ROE) | 1.5759% | 5,099 |
| Retained earnings to average equity (ytd only) | 1.5759% | 4,505 |
| Net charge-offs to loans | -0.0201% | 4,702 |
| Credit loss provision to net charge-offs | -1,246.6667% | 4,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3744% | 1,305 |
| Assets per employee ($millions) | 3.6785% | 4,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3148% | 5,275 |
| Loan loss allowance to noncurrent loans | 24.0212% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 1.4035% | 867 |
| Noncurrent loans to loans | 1.3105% | 1,201 |
| Net loans and leases to total assets | 55.8303% | 4,148 |
| Net loans and leases to deposits | 64.8751% | 4,200 |
| Net loans and leases to core deposits | 68.2358% | 4,226 |
| Total domestic deposits to total assets | 86.0581% | 2,200 |
| Equity capital to assets | 13.7283% | 1,055 |
| Core capital (leverage) ratio | 8.7011% | 4,877 |
| Tier 1 risk-based capital ratio | 14.0861% | 3,254 |
| Total risk-based capital ratio | 14.3862% | 3,652 |
| Memoranda: | ||
| Average total assets | $120,443,400 | 3,778 |
| Average earning assets | $103,141,600 | 3,931 |
| Average equity | $16,943,200 | 3,401 |
| Average total loans | $74,565,400 | 3,782 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6993% | 5,459 |
| Cost of funding earning assets | 0.2582% | 4,739 |
| Net interest margin | 1.4410% | 5,453 |
| Noninterest income to average assets | 0.2061% | 4,728 |
| Noninterest expense to average assets | 1.1163% | 5,407 |
| Loan and lease loss provision to assets | 0.1036% | 1,935 |
| Net operating income to assets | 0.1757% | 5,207 |
| Return on assets (ROA) | 0.1757% | 5,201 |
| Pretax return on assets | 0.2309% | 5,188 |
| Return on Equity (ROE) | 1.2410% | 5,209 |
| Retained earnings to average equity (ytd only) | 1.2410% | 4,794 |
| Net charge-offs to loans | -0.0036% | 4,163 |
| Credit loss provision to net charge-offs | -4,600.0000% | 4,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9814% | 1,737 |
| Assets per employee ($millions) | 3.6040% | 4,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1204% | 5,414 |
| Loan loss allowance to noncurrent loans | 21.4612% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 1.0251% | 1,416 |
| Noncurrent loans to loans | 0.5612% | 2,699 |
| Net loans and leases to total assets | 60.0842% | 3,834 |
| Net loans and leases to deposits | 69.6892% | 3,941 |
| Net loans and leases to core deposits | 73.0552% | 4,008 |
| Total domestic deposits to total assets | 86.2174% | 2,091 |
| Equity capital to assets | 13.5129% | 1,129 |
| Core capital (leverage) ratio | 9.7871% | 3,857 |
| Tier 1 risk-based capital ratio | 13.0152% | 3,895 |
| Total risk-based capital ratio | 13.1321% | 4,443 |
| Memoranda: | ||
| Average total assets | $118,367,000 | 3,853 |
| Average earning assets | $102,238,500 | 3,983 |
| Average equity | $16,760,250 | 3,444 |
| Average total loans | $75,179,750 | 3,808 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2577% | 505 |
| Cost of funding earning assets | 0.5579% | 2,538 |
| Net interest margin | 4.6999% | 434 |
| Noninterest income to average assets | 0.7489% | 1,650 |
| Noninterest expense to average assets | 3.5173% | 975 |
| Loan and lease loss provision to assets | 0.0279% | 3,355 |
| Net operating income to assets | 1.3214% | 1,698 |
| Return on assets (ROA) | 0.2706% | 5,152 |
| Pretax return on assets | 0.2706% | 5,185 |
| Return on Equity (ROE) | 1.8784% | 5,187 |
| Retained earnings to average equity (ytd only) | 0.5938% | 4,840 |
| Net charge-offs to loans | -0.9404% | 5,486 |
| Credit loss provision to net charge-offs | -4.5845% | 3,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2740% | 1,956 |
| Assets per employee ($millions) | 2.7305% | 5,247 |
| Cash dividends to net income (ytd only)* | 68.3871% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0047% | 515 |
| Loan loss allowance to noncurrent loans | 299.1786% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 1.2318% | 1,163 |
| Noncurrent loans to loans | 0.6701% | 2,432 |
| Net loans and leases to total assets | 63.6207% | 3,441 |
| Net loans and leases to deposits | 74.8843% | 3,449 |
| Net loans and leases to core deposits | 76.7665% | 3,679 |
| Total domestic deposits to total assets | 84.9586% | 2,694 |
| Equity capital to assets | 14.8360% | 719 |
| Core capital (leverage) ratio | 14.5587% | 763 |
| Tier 1 risk-based capital ratio | 23.0372% | 932 |
| Total risk-based capital ratio | 24.2958% | 916 |
| Memoranda: | ||
| Average total assets | $114,575,000 | 3,944 |
| Average earning assets | $100,385,330 | 4,040 |
| Average equity | $16,503,000 | 3,502 |
| Average total loans | $74,223,330 | 3,843 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7475% | 1,195 |
| Cost of funding earning assets | 0.5153% | 2,676 |
| Net interest margin | 4.2322% | 1,098 |
| Noninterest income to average assets | 0.7559% | 1,600 |
| Noninterest expense to average assets | 3.5483% | 925 |
| Loan and lease loss provision to assets | 0.0276% | 3,155 |
| Net operating income to assets | 0.8940% | 3,321 |
| Return on assets (ROA) | 0.8940% | 3,330 |
| Pretax return on assets | 0.8940% | 3,869 |
| Return on Equity (ROE) | 6.2979% | 4,058 |
| Retained earnings to average equity (ytd only) | 6.2979% | 2,584 |
| Net charge-offs to loans | -0.0107% | 4,271 |
| Credit loss provision to net charge-offs | -400.0000% | 3,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3822% | 1,210 |
| Assets per employee ($millions) | 2.9413% | 5,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4681% | 1,587 |
| Loan loss allowance to noncurrent loans | 314.8571% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 1.0165% | 1,544 |
| Noncurrent loans to loans | 0.4663% | 3,130 |
| Net loans and leases to total assets | 62.8637% | 3,438 |
| Net loans and leases to deposits | 73.2229% | 3,493 |
| Net loans and leases to core deposits | 75.1445% | 3,731 |
| Total domestic deposits to total assets | 85.8525% | 2,610 |
| Equity capital to assets | 13.9350% | 907 |
| Core capital (leverage) ratio | 14.6899% | 716 |
| Tier 1 risk-based capital ratio | 21.8470% | 1,076 |
| Total risk-based capital ratio | 23.0986% | 1,051 |
| Memoranda: | ||
| Average total assets | $115,887,000 | 3,966 |
| Average earning assets | $101,696,500 | 4,071 |
| Average equity | $16,450,000 | 3,539 |
| Average total loans | $74,994,500 | 3,867 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7787% | 1,012 |
| Cost of funding earning assets | 0.4693% | 2,609 |
| Net interest margin | 4.3094% | 948 |
| Noninterest income to average assets | 0.7664% | 1,707 |
| Noninterest expense to average assets | 3.7403% | 747 |
| Loan and lease loss provision to assets | -0.0761% | 5,444 |
| Net operating income to assets | 0.8878% | 2,779 |
| Return on assets (ROA) | 0.8861% | 2,810 |
| Pretax return on assets | 0.8861% | 3,958 |
| Return on Equity (ROE) | 6.2895% | 3,630 |
| Retained earnings to average equity (ytd only) | 3.5272% | 3,164 |
| Net charge-offs to loans | 0.2758% | 951 |
| Credit loss provision to net charge-offs | -42.1801% | 4,641 |
| Earnings coverage of net charge-offs (x) | 4.4976% | 3,457 |
| Efficiency ratio | 82.1684% | 919 |
| Assets per employee ($millions) | 2.7834% | 5,336 |
| Cash dividends to net income (ytd only)* | 43.9189% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4574% | 1,557 |
| Loan loss allowance to noncurrent loans | 291.2000% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 1.0848% | 1,404 |
| Noncurrent loans to loans | 0.5005% | 3,024 |
| Net loans and leases to total assets | 64.6980% | 3,270 |
| Net loans and leases to deposits | 75.8275% | 3,343 |
| Net loans and leases to core deposits | 77.6440% | 3,616 |
| Total domestic deposits to total assets | 85.3226% | 2,717 |
| Equity capital to assets | 14.4627% | 789 |
| Core capital (leverage) ratio | 14.3063% | 769 |
| Tier 1 risk-based capital ratio | 21.7603% | 1,047 |
| Total risk-based capital ratio | 23.0119% | 1,026 |
| Memoranda: | ||
| Average total assets | $116,915,600 | 3,948 |
| Average earning assets | $102,705,800 | 4,052 |
| Average equity | $16,471,800 | 3,541 |
| Average total loans | $76,511,200 | 3,809 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7456% | 1,042 |
| Cost of funding earning assets | 0.4593% | 2,622 |
| Net interest margin | 4.2863% | 954 |
| Noninterest income to average assets | 0.7493% | 1,789 |
| Noninterest expense to average assets | 3.6582% | 806 |
| Loan and lease loss provision to assets | 0.0261% | 3,613 |
| Net operating income to assets | 0.8309% | 3,383 |
| Return on assets (ROA) | 0.8309% | 3,421 |
| Pretax return on assets | 0.8309% | 4,270 |
| Return on Equity (ROE) | 5.9362% | 4,158 |
| Retained earnings to average equity (ytd only) | 5.7338% | 2,410 |
| Net charge-offs to loans | 0.0139% | 3,246 |
| Credit loss provision to net charge-offs | 287.5000% | 1,026 |
| Earnings coverage of net charge-offs (x) | 94.4677% | 719 |
| Efficiency ratio | 81.0193% | 996 |
| Assets per employee ($millions) | 2.8707% | 5,342 |
| Cash dividends to net income (ytd only)* | 3.4104% | 3,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8847% | 724 |
| Loan loss allowance to noncurrent loans | 212.8593% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 1.2455% | 1,309 |
| Noncurrent loans to loans | 0.8854% | 2,163 |
| Net loans and leases to total assets | 62.2328% | 3,628 |
| Net loans and leases to deposits | 73.0136% | 3,664 |
| Net loans and leases to core deposits | 74.7223% | 3,912 |
| Total domestic deposits to total assets | 85.2345% | 2,624 |
| Equity capital to assets | 14.3271% | 905 |
| Core capital (leverage) ratio | 14.1351% | 856 |
| Tier 1 risk-based capital ratio | 22.1878% | 1,027 |
| Total risk-based capital ratio | 23.4454% | 1,005 |
| Memoranda: | ||
| Average total assets | $117,614,250 | 3,971 |
| Average earning assets | $103,335,500 | 4,080 |
| Average equity | $16,463,500 | 3,573 |
| Average total loans | $76,907,500 | 3,843 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7536% | 958 |
| Cost of funding earning assets | 0.4455% | 2,646 |
| Net interest margin | 4.3080% | 838 |
| Noninterest income to average assets | 0.7535% | 1,754 |
| Noninterest expense to average assets | 3.7437% | 724 |
| Loan and lease loss provision to assets | 0.0255% | 3,490 |
| Net operating income to assets | 0.7671% | 3,558 |
| Return on assets (ROA) | 0.7671% | 3,607 |
| Pretax return on assets | 0.7671% | 4,385 |
| Return on Equity (ROE) | 5.5235% | 4,258 |
| Retained earnings to average equity (ytd only) | 5.5235% | 2,396 |
| Net charge-offs to loans | 0.0283% | 2,645 |
| Credit loss provision to net charge-offs | 136.3636% | 1,624 |
| Earnings coverage of net charge-offs (x) | 42.3636% | 1,206 |
| Efficiency ratio | 82.5272% | 955 |
| Assets per employee ($millions) | 2.8555% | 5,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8382% | 815 |
| Loan loss allowance to noncurrent loans | 209.6096% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 1.2265% | 1,385 |
| Noncurrent loans to loans | 0.8770% | 2,230 |
| Net loans and leases to total assets | 62.1569% | 3,616 |
| Net loans and leases to deposits | 72.3755% | 3,700 |
| Net loans and leases to core deposits | 73.7889% | 3,959 |
| Total domestic deposits to total assets | 85.8812% | 2,424 |
| Equity capital to assets | 13.8929% | 1,002 |
| Core capital (leverage) ratio | 13.9679% | 875 |
| Tier 1 risk-based capital ratio | 21.6821% | 1,088 |
| Total risk-based capital ratio | 22.9389% | 1,066 |
| Memoranda: | ||
| Average total assets | $117,585,670 | 3,997 |
| Average earning assets | $103,249,000 | 4,114 |
| Average equity | $16,330,330 | 3,598 |
| Average total loans | $77,658,330 | 3,846 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7598% | 817 |
| Cost of funding earning assets | 0.4384% | 2,635 |
| Net interest margin | 4.3214% | 745 |
| Noninterest income to average assets | 0.7559% | 1,726 |
| Noninterest expense to average assets | 3.8140% | 672 |
| Loan and lease loss provision to assets | 0.0275% | 3,217 |
| Net operating income to assets | 0.7078% | 3,672 |
| Return on assets (ROA) | 0.7078% | 3,713 |
| Pretax return on assets | 0.7078% | 4,429 |
| Return on Equity (ROE) | 5.0976% | 4,340 |
| Retained earnings to average equity (ytd only) | 5.0976% | 2,830 |
| Net charge-offs to loans | 0.0153% | 2,497 |
| Credit loss provision to net charge-offs | 266.6667% | 845 |
| Earnings coverage of net charge-offs (x) | 71.3333% | 713 |
| Efficiency ratio | 83.8369% | 984 |
| Assets per employee ($millions) | 2.7888% | 5,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7689% | 1,019 |
| Loan loss allowance to noncurrent loans | 192.1596% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 1.3079% | 1,299 |
| Noncurrent loans to loans | 0.9205% | 2,200 |
| Net loans and leases to total assets | 66.2341% | 2,938 |
| Net loans and leases to deposits | 77.1602% | 3,061 |
| Net loans and leases to core deposits | 78.7015% | 3,425 |
| Total domestic deposits to total assets | 85.8397% | 2,746 |
| Equity capital to assets | 13.9008% | 933 |
| Core capital (leverage) ratio | 14.0055% | 841 |
| Tier 1 risk-based capital ratio | 20.9278% | 1,226 |
| Total risk-based capital ratio | 22.1843% | 1,202 |
| Memoranda: | ||
| Average total assets | $116,412,500 | 4,053 |
| Average earning assets | $102,188,500 | 4,171 |
| Average equity | $16,164,500 | 3,642 |
| Average total loans | $78,516,500 | 3,851 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6937% | 1,071 |
| Cost of funding earning assets | 0.4416% | 2,602 |
| Net interest margin | 4.2521% | 1,010 |
| Noninterest income to average assets | 0.6779% | 2,275 |
| Noninterest expense to average assets | 3.6813% | 906 |
| Loan and lease loss provision to assets | 0.0258% | 3,835 |
| Net operating income to assets | 0.7204% | 3,688 |
| Return on assets (ROA) | 0.7671% | 3,568 |
| Pretax return on assets | 0.7671% | 4,280 |
| Return on Equity (ROE) | 5.5394% | 4,190 |
| Retained earnings to average equity (ytd only) | -6.3462% | 5,715 |
| Net charge-offs to loans | 0.0483% | 3,077 |
| Credit loss provision to net charge-offs | 81.5789% | 2,950 |
| Earnings coverage of net charge-offs (x) | 23.5526% | 1,674 |
| Efficiency ratio | 83.1450% | 1,090 |
| Assets per employee ($millions) | 2.7546% | 5,523 |
| Cash dividends to net income (ytd only)* | 214.5652% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7833% | 974 |
| Loan loss allowance to noncurrent loans | 126.5455% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 1.6466% | 953 |
| Noncurrent loans to loans | 1.4092% | 1,442 |
| Net loans and leases to total assets | 66.2639% | 3,038 |
| Net loans and leases to deposits | 78.7186% | 3,018 |
| Net loans and leases to core deposits | 80.3395% | 3,369 |
| Total domestic deposits to total assets | 84.1782% | 3,356 |
| Equity capital to assets | 13.8701% | 933 |
| Core capital (leverage) ratio | 14.1212% | 793 |
| Tier 1 risk-based capital ratio | 20.9633% | 1,214 |
| Total risk-based capital ratio | 22.2198% | 1,193 |
| Memoranda: | ||
| Average total assets | $119,931,200 | 4,000 |
| Average earning assets | $105,758,600 | 4,080 |
| Average equity | $16,608,400 | 3,608 |
| Average total loans | $78,727,800 | 3,832 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6990% | 1,067 |
| Cost of funding earning assets | 0.4418% | 2,618 |
| Net interest margin | 4.2572% | 1,012 |
| Noninterest income to average assets | 0.6601% | 2,364 |
| Noninterest expense to average assets | 3.6388% | 936 |
| Loan and lease loss provision to assets | 0.0253% | 3,739 |
| Net operating income to assets | 0.7549% | 3,585 |
| Return on assets (ROA) | 0.8144% | 3,439 |
| Pretax return on assets | 0.8144% | 4,266 |
| Return on Equity (ROE) | 5.8829% | 4,131 |
| Retained earnings to average equity (ytd only) | -7.1884% | 5,798 |
| Net charge-offs to loans | 0.0558% | 2,564 |
| Credit loss provision to net charge-offs | 69.6970% | 2,795 |
| Earnings coverage of net charge-offs (x) | 21.4541% | 1,818 |
| Efficiency ratio | 82.3441% | 1,156 |
| Assets per employee ($millions) | 2.7677% | 5,566 |
| Cash dividends to net income (ytd only)* | 222.1920% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7776% | 1,052 |
| Loan loss allowance to noncurrent loans | 151.4722% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 1.5175% | 1,177 |
| Noncurrent loans to loans | 1.1736% | 1,910 |
| Net loans and leases to total assets | 67.6346% | 2,847 |
| Net loans and leases to deposits | 81.2976% | 2,820 |
| Net loans and leases to core deposits | 83.6857% | 3,157 |
| Total domestic deposits to total assets | 83.1938% | 3,515 |
| Equity capital to assets | 14.5934% | 844 |
| Core capital (leverage) ratio | 13.4039% | 1,032 |
| Tier 1 risk-based capital ratio | 20.7620% | 1,310 |
| Total risk-based capital ratio | 22.0177% | 1,283 |
| Memoranda: | ||
| Average total assets | $120,990,250 | 3,993 |
| Average earning assets | $106,829,250 | 4,089 |
| Average equity | $16,748,750 | 3,615 |
| Average total loans | $78,895,750 | 3,850 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6220% | 1,231 |
| Cost of funding earning assets | 0.4315% | 2,725 |
| Net interest margin | 4.1905% | 1,136 |
| Noninterest income to average assets | 0.6624% | 2,320 |
| Noninterest expense to average assets | 3.5483% | 1,086 |
| Loan and lease loss provision to assets | 0.0243% | 3,642 |
| Net operating income to assets | 0.8017% | 3,303 |
| Return on assets (ROA) | 0.8470% | 3,238 |
| Pretax return on assets | 0.8470% | 4,132 |
| Return on Equity (ROE) | 6.2219% | 3,952 |
| Retained earnings to average equity (ytd only) | -13.3122% | 5,920 |
| Net charge-offs to loans | 0.0834% | 2,014 |
| Credit loss provision to net charge-offs | 45.4545% | 2,714 |
| Earnings coverage of net charge-offs (x) | 15.4545% | 1,991 |
| Efficiency ratio | 81.1181% | 1,371 |
| Assets per employee ($millions) | 2.9296% | 5,500 |
| Cash dividends to net income (ytd only)* | 313.9579% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7494% | 1,179 |
| Loan loss allowance to noncurrent loans | 180.5229% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 1.3442% | 1,486 |
| Noncurrent loans to loans | 0.9691% | 2,343 |
| Net loans and leases to total assets | 63.0365% | 3,496 |
| Net loans and leases to deposits | 73.7415% | 3,624 |
| Net loans and leases to core deposits | 75.6643% | 3,847 |
| Total domestic deposits to total assets | 85.4831% | 2,653 |
| Equity capital to assets | 13.3165% | 1,322 |
| Core capital (leverage) ratio | 12.9510% | 1,167 |
| Tier 1 risk-based capital ratio | 20.4419% | 1,361 |
| Total risk-based capital ratio | 21.6986% | 1,336 |
| Memoranda: | ||
| Average total assets | $123,495,000 | 3,987 |
| Average earning assets | $109,390,000 | 4,069 |
| Average equity | $16,811,670 | 3,615 |
| Average total loans | $79,148,330 | 3,865 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5429% | 1,390 |
| Cost of funding earning assets | 0.4342% | 2,731 |
| Net interest margin | 4.1087% | 1,314 |
| Noninterest income to average assets | 0.6822% | 2,126 |
| Noninterest expense to average assets | 3.4659% | 1,244 |
| Loan and lease loss provision to assets | 0.0226% | 3,387 |
| Net operating income to assets | 0.8341% | 3,065 |
| Return on assets (ROA) | 0.8341% | 3,199 |
| Pretax return on assets | 0.8341% | 4,084 |
| Return on Equity (ROE) | 6.0617% | 3,957 |
| Retained earnings to average equity (ytd only) | -15.6006% | 5,916 |
| Net charge-offs to loans | 0.1161% | 1,421 |
| Credit loss provision to net charge-offs | 30.4348% | 2,221 |
| Earnings coverage of net charge-offs (x) | 11.5217% | 1,854 |
| Efficiency ratio | 80.1795% | 1,584 |
| Assets per employee ($millions) | 3.1084% | 5,388 |
| Cash dividends to net income (ytd only)* | 357.3643% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7772% | 1,197 |
| Loan loss allowance to noncurrent loans | 205.1929% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 1.2587% | 1,724 |
| Noncurrent loans to loans | 0.8661% | 2,678 |
| Net loans and leases to total assets | 61.4733% | 3,598 |
| Net loans and leases to deposits | 71.4063% | 3,705 |
| Net loans and leases to core deposits | 73.2533% | 3,961 |
| Total domestic deposits to total assets | 86.0894% | 2,638 |
| Equity capital to assets | 13.4715% | 1,186 |
| Core capital (leverage) ratio | 13.2830% | 1,058 |
| Tier 1 risk-based capital ratio | 21.1565% | 1,288 |
| Total risk-based capital ratio | 22.4127% | 1,263 |
| Memoranda: | ||
| Average total assets | $123,721,000 | 4,012 |
| Average earning assets | $109,621,000 | 4,096 |
| Average equity | $17,025,000 | 3,586 |
| Average total loans | $79,251,000 | 3,880 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6724% | 1,173 |
| Cost of funding earning assets | 0.4881% | 2,282 |
| Net interest margin | 4.1843% | 1,199 |
| Noninterest income to average assets | 0.7093% | 2,160 |
| Noninterest expense to average assets | 4.8784% | 307 |
| Loan and lease loss provision to assets | -0.2226% | 6,009 |
| Net operating income to assets | -0.2425% | 5,977 |
| Return on assets (ROA) | -0.2425% | 5,986 |
| Pretax return on assets | -0.2425% | 5,974 |
| Return on Equity (ROE) | -1.6564% | 5,969 |
| Retained earnings to average equity (ytd only) | -3.0414% | 5,825 |
| Net charge-offs to loans | -0.5784% | 6,097 |
| Credit loss provision to net charge-offs | 60.7223% | 3,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.5401% | 137 |
| Assets per employee ($millions) | 3.0026% | 5,518 |
| Cash dividends to net income (ytd only)* | -83.6177% | 6,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7339% | 1,280 |
| Loan loss allowance to noncurrent loans | 218.5938% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 1.2445% | 1,723 |
| Noncurrent loans to loans | 0.7932% | 2,808 |
| Net loans and leases to total assets | 64.4052% | 3,211 |
| Net loans and leases to deposits | 75.2011% | 3,351 |
| Net loans and leases to core deposits | 77.3635% | 3,622 |
| Total domestic deposits to total assets | 85.6440% | 2,789 |
| Equity capital to assets | 14.0530% | 913 |
| Core capital (leverage) ratio | 13.9767% | 827 |
| Tier 1 risk-based capital ratio | 21.4378% | 1,224 |
| Total risk-based capital ratio | 22.6942% | 1,205 |
| Memoranda: | ||
| Average total assets | $120,819,000 | 4,054 |
| Average earning assets | $106,948,200 | 4,118 |
| Average equity | $17,689,200 | 3,427 |
| Average total loans | $76,585,800 | 3,924 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7152% | 1,071 |
| Cost of funding earning assets | 0.4936% | 2,281 |
| Net interest margin | 4.2216% | 1,119 |
| Noninterest income to average assets | 0.7773% | 1,893 |
| Noninterest expense to average assets | 5.3677% | 225 |
| Loan and lease loss provision to assets | 0.0255% | 3,757 |
| Net operating income to assets | -0.8793% | 6,184 |
| Return on assets (ROA) | -0.8793% | 6,182 |
| Pretax return on assets | -0.8793% | 6,175 |
| Return on Equity (ROE) | -5.9445% | 6,150 |
| Retained earnings to average equity (ytd only) | -5.9445% | 6,057 |
| Net charge-offs to loans | -0.9599% | 6,204 |
| Credit loss provision to net charge-offs | -4.2279% | 4,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.9143% | 100 |
| Assets per employee ($millions) | 2.8898% | 5,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3629% | 526 |
| Loan loss allowance to noncurrent loans | 230.0385% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 1.4023% | 1,641 |
| Noncurrent loans to loans | 1.0272% | 2,426 |
| Net loans and leases to total assets | 61.0086% | 3,733 |
| Net loans and leases to deposits | 71.8668% | 3,786 |
| Net loans and leases to core deposits | 74.2239% | 3,996 |
| Total domestic deposits to total assets | 84.8912% | 3,059 |
| Equity capital to assets | 14.7644% | 793 |
| Core capital (leverage) ratio | 14.5368% | 729 |
| Tier 1 risk-based capital ratio | 23.5855% | 990 |
| Total risk-based capital ratio | 24.8487% | 976 |
| Memoranda: | ||
| Average total assets | $120,247,500 | 4,114 |
| Average earning assets | $106,433,250 | 4,171 |
| Average equity | $17,786,500 | 3,438 |
| Average total loans | $75,561,000 | 3,991 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6877% | 1,097 |
| Cost of funding earning assets | 0.4953% | 2,289 |
| Net interest margin | 4.1924% | 1,121 |
| Noninterest income to average assets | 0.7058% | 2,188 |
| Noninterest expense to average assets | 6.1832% | 174 |
| Loan and lease loss provision to assets | 0.0250% | 3,635 |
| Net operating income to assets | -1.7886% | 6,297 |
| Return on assets (ROA) | -1.7886% | 6,296 |
| Pretax return on assets | -1.7886% | 6,295 |
| Return on Equity (ROE) | -12.0843% | 6,268 |
| Retained earnings to average equity (ytd only) | -12.0843% | 6,209 |
| Net charge-offs to loans | -1.3569% | 6,281 |
| Credit loss provision to net charge-offs | -2.9297% | 4,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.9018% | 60 |
| Assets per employee ($millions) | 2.9871% | 5,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2728% | 658 |
| Loan loss allowance to noncurrent loans | 184.6154% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 1.5743% | 1,537 |
| Noncurrent loans to loans | 1.2311% | 2,193 |
| Net loans and leases to total assets | 63.0508% | 3,406 |
| Net loans and leases to deposits | 74.2151% | 3,469 |
| Net loans and leases to core deposits | 76.8427% | 3,682 |
| Total domestic deposits to total assets | 84.9569% | 3,143 |
| Equity capital to assets | 14.7820% | 749 |
| Core capital (leverage) ratio | 14.3960% | 738 |
| Tier 1 risk-based capital ratio | 22.9711% | 1,089 |
| Total risk-based capital ratio | 24.2339% | 1,060 |
| Memoranda: | ||
| Average total assets | $119,872,330 | 4,159 |
| Average earning assets | $106,193,000 | 4,217 |
| Average equity | $17,742,000 | 3,461 |
| Average total loans | $75,468,000 | 4,016 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5668% | 1,295 |
| Cost of funding earning assets | 0.4987% | 2,293 |
| Net interest margin | 4.0681% | 1,359 |
| Noninterest income to average assets | 0.7329% | 2,006 |
| Noninterest expense to average assets | 3.5014% | 1,305 |
| Loan and lease loss provision to assets | 0.0233% | 3,404 |
| Net operating income to assets | 0.8229% | 3,141 |
| Return on assets (ROA) | 0.8229% | 3,269 |
| Pretax return on assets | 0.8229% | 4,158 |
| Return on Equity (ROE) | 5.5562% | 4,253 |
| Retained earnings to average equity (ytd only) | 5.5562% | 2,746 |
| Net charge-offs to loans | 0.2732% | 874 |
| Credit loss provision to net charge-offs | 13.7255% | 2,408 |
| Earnings coverage of net charge-offs (x) | 4.9804% | 2,431 |
| Efficiency ratio | 80.5364% | 1,825 |
| Assets per employee ($millions) | 2.9835% | 5,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5759% | 2,140 |
| Loan loss allowance to noncurrent loans | 81.6736% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 1.3137% | 2,026 |
| Noncurrent loans to loans | 1.9295% | 1,382 |
| Net loans and leases to total assets | 60.2997% | 3,611 |
| Net loans and leases to deposits | 71.6899% | 3,562 |
| Net loans and leases to core deposits | 73.5815% | 3,819 |
| Total domestic deposits to total assets | 84.1119% | 3,779 |
| Equity capital to assets | 14.6169% | 800 |
| Core capital (leverage) ratio | 15.6464% | 512 |
| Tier 1 risk-based capital ratio | 23.1764% | 1,087 |
| Total risk-based capital ratio | 24.4291% | 1,062 |
| Memoranda: | ||
| Average total assets | $120,067,000 | 4,181 |
| Average earning assets | $106,683,000 | 4,240 |
| Average equity | $17,782,000 | 3,483 |
| Average total loans | $74,658,500 | 4,058 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7049% | 1,296 |
| Cost of funding earning assets | 0.5504% | 2,200 |
| Net interest margin | 4.1545% | 1,421 |
| Noninterest income to average assets | 0.8393% | 1,716 |
| Noninterest expense to average assets | 3.7185% | 1,114 |
| Loan and lease loss provision to assets | 0.0289% | 4,030 |
| Net operating income to assets | 0.7740% | 3,502 |
| Return on assets (ROA) | 0.7599% | 3,671 |
| Pretax return on assets | 0.7599% | 4,404 |
| Return on Equity (ROE) | 5.2231% | 4,546 |
| Retained earnings to average equity (ytd only) | 4.0864% | 3,296 |
| Net charge-offs to loans | 0.1547% | 2,487 |
| Credit loss provision to net charge-offs | 29.9145% | 3,836 |
| Earnings coverage of net charge-offs (x) | 8.2991% | 2,903 |
| Efficiency ratio | 82.2421% | 1,636 |
| Assets per employee ($millions) | 2.7398% | 5,991 |
| Cash dividends to net income (ytd only)* | 21.7628% | 3,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6471% | 1,937 |
| Loan loss allowance to noncurrent loans | 111.9744% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.0823% | 2,582 |
| Noncurrent loans to loans | 1.4709% | 1,993 |
| Net loans and leases to total assets | 62.0915% | 3,485 |
| Net loans and leases to deposits | 74.2127% | 3,410 |
| Net loans and leases to core deposits | 76.2575% | 3,678 |
| Total domestic deposits to total assets | 83.6669% | 3,857 |
| Equity capital to assets | 15.1702% | 677 |
| Core capital (leverage) ratio | 15.4991% | 532 |
| Tier 1 risk-based capital ratio | 25.4020% | 803 |
| Total risk-based capital ratio | 26.6571% | 792 |
| Memoranda: | ||
| Average total assets | $120,936,000 | 4,158 |
| Average earning assets | $107,185,800 | 4,244 |
| Average equity | $17,595,000 | 3,439 |
| Average total loans | $75,633,600 | 3,999 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6890% | 1,335 |
| Cost of funding earning assets | 0.5551% | 2,238 |
| Net interest margin | 4.1339% | 1,476 |
| Noninterest income to average assets | 0.8971% | 1,530 |
| Noninterest expense to average assets | 3.5469% | 1,382 |
| Loan and lease loss provision to assets | 0.0285% | 3,837 |
| Net operating income to assets | 0.9848% | 2,520 |
| Return on assets (ROA) | 0.9585% | 2,726 |
| Pretax return on assets | 0.9585% | 3,765 |
| Return on Equity (ROE) | 6.6567% | 3,874 |
| Retained earnings to average equity (ytd only) | 6.6567% | 2,008 |
| Net charge-offs to loans | 0.1440% | 2,359 |
| Credit loss provision to net charge-offs | 31.7073% | 3,429 |
| Earnings coverage of net charge-offs (x) | 11.2805% | 2,444 |
| Efficiency ratio | 77.7804% | 2,217 |
| Assets per employee ($millions) | 2.7273% | 6,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6975% | 1,980 |
| Loan loss allowance to noncurrent loans | 99.6019% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.3549% | 2,279 |
| Noncurrent loans to loans | 1.7043% | 1,911 |
| Net loans and leases to total assets | 61.7753% | 3,520 |
| Net loans and leases to deposits | 73.9663% | 3,433 |
| Net loans and leases to core deposits | 76.2656% | 3,708 |
| Total domestic deposits to total assets | 83.5182% | 3,946 |
| Equity capital to assets | 15.3622% | 660 |
| Core capital (leverage) ratio | 15.6155% | 525 |
| Tier 1 risk-based capital ratio | 27.0939% | 702 |
| Total risk-based capital ratio | 28.3504% | 687 |
| Memoranda: | ||
| Average total assets | $121,717,500 | 4,187 |
| Average earning assets | $107,852,500 | 4,269 |
| Average equity | $17,525,750 | 3,466 |
| Average total loans | $75,948,250 | 4,034 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6680% | 1,352 |
| Cost of funding earning assets | 0.5602% | 2,258 |
| Net interest margin | 4.1078% | 1,484 |
| Noninterest income to average assets | 0.9984% | 1,205 |
| Noninterest expense to average assets | 3.5049% | 1,469 |
| Loan and lease loss provision to assets | 0.0276% | 3,718 |
| Net operating income to assets | 1.1088% | 1,905 |
| Return on assets (ROA) | 1.0698% | 2,118 |
| Pretax return on assets | 1.0698% | 3,212 |
| Return on Equity (ROE) | 7.5911% | 3,323 |
| Retained earnings to average equity (ytd only) | 7.5911% | 1,482 |
| Net charge-offs to loans | 0.1095% | 2,573 |
| Credit loss provision to net charge-offs | 40.4762% | 2,921 |
| Earnings coverage of net charge-offs (x) | 16.6667% | 1,776 |
| Efficiency ratio | 75.5159% | 2,719 |
| Assets per employee ($millions) | 2.7321% | 6,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6918% | 2,156 |
| Loan loss allowance to noncurrent loans | 113.3510% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 1.3152% | 2,482 |
| Noncurrent loans to loans | 1.4925% | 2,331 |
| Net loans and leases to total assets | 61.9710% | 3,414 |
| Net loans and leases to deposits | 73.6607% | 3,364 |
| Net loans and leases to core deposits | 76.5648% | 3,565 |
| Total domestic deposits to total assets | 84.1304% | 3,882 |
| Equity capital to assets | 14.8780% | 730 |
| Core capital (leverage) ratio | 15.1057% | 590 |
| Tier 1 risk-based capital ratio | 25.1079% | 860 |
| Total risk-based capital ratio | 26.3633% | 848 |
| Memoranda: | ||
| Average total assets | $123,198,330 | 4,178 |
| Average earning assets | $109,254,330 | 4,259 |
| Average equity | $17,362,330 | 3,487 |
| Average total loans | $76,698,330 | 4,016 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6094% | 1,481 |
| Cost of funding earning assets | 0.5644% | 2,300 |
| Net interest margin | 4.0450% | 1,617 |
| Noninterest income to average assets | 0.6544% | 2,437 |
| Noninterest expense to average assets | 3.4677% | 1,556 |
| Loan and lease loss provision to assets | 0.0257% | 3,498 |
| Net operating income to assets | 0.7474% | 3,434 |
| Return on assets (ROA) | 0.7442% | 3,542 |
| Pretax return on assets | 0.7442% | 4,333 |
| Return on Equity (ROE) | 5.4266% | 4,317 |
| Retained earnings to average equity (ytd only) | 5.4266% | 2,835 |
| Net charge-offs to loans | 0.0311% | 2,969 |
| Credit loss provision to net charge-offs | 133.3333% | 1,358 |
| Earnings coverage of net charge-offs (x) | 40.1667% | 871 |
| Efficiency ratio | 81.7700% | 1,957 |
| Assets per employee ($millions) | 2.9706% | 5,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7207% | 2,282 |
| Loan loss allowance to noncurrent loans | 98.4951% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.2648% | 2,749 |
| Noncurrent loans to loans | 1.7470% | 2,213 |
| Net loans and leases to total assets | 59.9247% | 3,572 |
| Net loans and leases to deposits | 70.2897% | 3,562 |
| Net loans and leases to core deposits | 72.9151% | 3,770 |
| Total domestic deposits to total assets | 85.2539% | 3,744 |
| Equity capital to assets | 13.7955% | 989 |
| Core capital (leverage) ratio | 14.3472% | 725 |
| Tier 1 risk-based capital ratio | 24.5534% | 934 |
| Total risk-based capital ratio | 25.8100% | 913 |
| Memoranda: | ||
| Average total assets | $124,692,000 | 4,175 |
| Average earning assets | $110,556,000 | 4,260 |
| Average equity | $17,101,000 | 3,541 |
| Average total loans | $77,158,500 | 4,025 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4536% | 2,380 |
| Cost of funding earning assets | 0.7174% | 1,694 |
| Net interest margin | 3.7362% | 2,915 |
| Noninterest income to average assets | 0.8067% | 2,055 |
| Noninterest expense to average assets | 3.7279% | 1,244 |
| Loan and lease loss provision to assets | 0.0716% | 3,684 |
| Net operating income to assets | 0.3264% | 5,430 |
| Return on assets (ROA) | 0.2817% | 5,678 |
| Pretax return on assets | 0.2817% | 5,777 |
| Return on Equity (ROE) | 2.3009% | 5,735 |
| Retained earnings to average equity (ytd only) | 1.3579% | 5,217 |
| Net charge-offs to loans | 0.3815% | 1,764 |
| Credit loss provision to net charge-offs | 31.8493% | 4,215 |
| Earnings coverage of net charge-offs (x) | 1.7705% | 4,454 |
| Efficiency ratio | 90.3545% | 994 |
| Assets per employee ($millions) | 2.8323% | 6,065 |
| Cash dividends to net income (ytd only)* | 40.9836% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6704% | 2,497 |
| Loan loss allowance to noncurrent loans | 129.9205% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 1.1587% | 3,083 |
| Noncurrent loans to loans | 1.2857% | 2,988 |
| Net loans and leases to total assets | 61.7370% | 3,404 |
| Net loans and leases to deposits | 73.8052% | 3,291 |
| Net loans and leases to core deposits | 76.6234% | 3,543 |
| Total domestic deposits to total assets | 83.6486% | 4,300 |
| Equity capital to assets | 13.6336% | 1,022 |
| Core capital (leverage) ratio | 14.2458% | 757 |
| Tier 1 risk-based capital ratio | 23.3674% | 1,042 |
| Total risk-based capital ratio | 24.6234% | 1,017 |
| Memoranda: | ||
| Average total assets | $129,911,600 | 4,075 |
| Average earning assets | $115,411,200 | 4,150 |
| Average equity | $15,906,800 | 3,717 |
| Average total loans | $76,538,200 | 4,041 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3525% | 2,772 |
| Cost of funding earning assets | 0.7542% | 1,572 |
| Net interest margin | 3.5984% | 3,455 |
| Noninterest income to average assets | 0.7914% | 2,193 |
| Noninterest expense to average assets | 3.5620% | 1,475 |
| Loan and lease loss provision to assets | 0.0843% | 3,370 |
| Net operating income to assets | 0.3444% | 5,454 |
| Return on assets (ROA) | 0.3434% | 5,582 |
| Pretax return on assets | 0.3434% | 5,764 |
| Return on Equity (ROE) | 2.8822% | 5,647 |
| Retained earnings to average equity (ytd only) | 2.8822% | 4,602 |
| Net charge-offs to loans | 0.4187% | 1,529 |
| Credit loss provision to net charge-offs | 34.7280% | 3,808 |
| Earnings coverage of net charge-offs (x) | 1.7657% | 4,248 |
| Efficiency ratio | 89.2566% | 1,059 |
| Assets per employee ($millions) | 2.8314% | 6,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7590% | 2,425 |
| Loan loss allowance to noncurrent loans | 97.3324% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 1.5034% | 2,677 |
| Noncurrent loans to loans | 1.8072% | 2,488 |
| Net loans and leases to total assets | 60.5205% | 3,613 |
| Net loans and leases to deposits | 70.8772% | 3,656 |
| Net loans and leases to core deposits | 73.5358% | 3,904 |
| Total domestic deposits to total assets | 85.3878% | 3,549 |
| Equity capital to assets | 12.7443% | 1,453 |
| Core capital (leverage) ratio | 14.0042% | 872 |
| Tier 1 risk-based capital ratio | 23.8006% | 1,032 |
| Total risk-based capital ratio | 25.0566% | 1,011 |
| Memoranda: | ||
| Average total assets | $131,234,750 | 4,084 |
| Average earning assets | $116,679,750 | 4,158 |
| Average equity | $15,636,000 | 3,804 |
| Average total loans | $76,112,000 | 4,084 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2446% | 3,175 |
| Cost of funding earning assets | 0.7863% | 1,488 |
| Net interest margin | 3.4583% | 3,964 |
| Noninterest income to average assets | 0.7658% | 2,347 |
| Noninterest expense to average assets | 3.5248% | 1,546 |
| Loan and lease loss provision to assets | 0.1109% | 2,956 |
| Net operating income to assets | 0.2083% | 5,869 |
| Return on assets (ROA) | 0.2083% | 6,001 |
| Pretax return on assets | 0.2083% | 6,073 |
| Return on Equity (ROE) | 1.7871% | 6,018 |
| Retained earnings to average equity (ytd only) | 1.7871% | 5,120 |
| Net charge-offs to loans | 0.5349% | 1,237 |
| Credit loss provision to net charge-offs | 36.4532% | 3,483 |
| Earnings coverage of net charge-offs (x) | 1.0493% | 4,186 |
| Efficiency ratio | 91.6959% | 912 |
| Assets per employee ($millions) | 2.8471% | 6,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7738% | 2,514 |
| Loan loss allowance to noncurrent loans | 103.6898% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 1.5360% | 2,802 |
| Noncurrent loans to loans | 1.7107% | 2,748 |
| Net loans and leases to total assets | 59.5164% | 3,745 |
| Net loans and leases to deposits | 70.3558% | 3,669 |
| Net loans and leases to core deposits | 72.6981% | 3,962 |
| Total domestic deposits to total assets | 84.5935% | 4,089 |
| Equity capital to assets | 11.9988% | 1,912 |
| Core capital (leverage) ratio | 13.6060% | 939 |
| Tier 1 risk-based capital ratio | 22.6009% | 1,195 |
| Total risk-based capital ratio | 23.8566% | 1,180 |
| Memoranda: | ||
| Average total assets | $133,452,670 | 4,070 |
| Average earning assets | $118,785,330 | 4,145 |
| Average equity | $15,555,670 | 3,842 |
| Average total loans | $75,900,330 | 4,110 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1415% | 3,550 |
| Cost of funding earning assets | 0.8375% | 1,325 |
| Net interest margin | 3.3040% | 4,503 |
| Noninterest income to average assets | 0.7464% | 2,352 |
| Noninterest expense to average assets | 3.4294% | 1,766 |
| Loan and lease loss provision to assets | 0.1910% | 1,926 |
| Net operating income to assets | 0.0705% | 6,206 |
| Return on assets (ROA) | 0.0705% | 6,292 |
| Pretax return on assets | 0.0705% | 6,303 |
| Return on Equity (ROE) | 0.6135% | 6,305 |
| Retained earnings to average equity (ytd only) | 0.6135% | 5,583 |
| Net charge-offs to loans | 0.3465% | 1,605 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 1.3692% | 3,377 |
| Efficiency ratio | 92.9140% | 911 |
| Assets per employee ($millions) | 2.9281% | 6,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0142% | 2,005 |
| Loan loss allowance to noncurrent loans | 102.0325% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 1.5421% | 2,953 |
| Noncurrent loans to loans | 1.9741% | 2,645 |
| Net loans and leases to total assets | 55.6016% | 4,153 |
| Net loans and leases to deposits | 64.3327% | 4,279 |
| Net loans and leases to core deposits | 69.3309% | 4,153 |
| Total domestic deposits to total assets | 86.4282% | 3,287 |
| Equity capital to assets | 11.8923% | 2,115 |
| Core capital (leverage) ratio | 12.6042% | 1,294 |
| Tier 1 risk-based capital ratio | 23.0461% | 1,157 |
| Total risk-based capital ratio | 24.3049% | 1,128 |
| Memoranda: | ||
| Average total assets | $136,118,500 | 4,060 |
| Average earning assets | $121,308,000 | 4,130 |
| Average equity | $15,647,000 | 3,882 |
| Average total loans | $75,035,500 | 4,166 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6587% | 2,759 |
| Cost of funding earning assets | 0.9463% | 1,663 |
| Net interest margin | 3.7124% | 3,595 |
| Noninterest income to average assets | 0.5953% | 3,305 |
| Noninterest expense to average assets | 3.5867% | 1,635 |
| Loan and lease loss provision to assets | 0.0271% | 5,557 |
| Net operating income to assets | 0.2816% | 5,536 |
| Return on assets (ROA) | 0.3992% | 5,346 |
| Pretax return on assets | 0.3992% | 5,581 |
| Return on Equity (ROE) | 3.5145% | 5,343 |
| Retained earnings to average equity (ytd only) | 1.6318% | 5,050 |
| Net charge-offs to loans | 0.0026% | 5,954 |
| Credit loss provision to net charge-offs | 1,900.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 216.5000% | 196 |
| Efficiency ratio | 92.0754% | 914 |
| Assets per employee ($millions) | 2.9265% | 6,116 |
| Cash dividends to net income (ytd only)* | 53.5714% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0000% | 2,019 |
| Loan loss allowance to noncurrent loans | 95.8625% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 1.5071% | 3,129 |
| Noncurrent loans to loans | 2.0863% | 2,596 |
| Net loans and leases to total assets | 52.5340% | 4,835 |
| Net loans and leases to deposits | 60.3152% | 4,995 |
| Net loans and leases to core deposits | 66.5882% | 4,680 |
| Total domestic deposits to total assets | 87.0991% | 2,780 |
| Equity capital to assets | 11.1226% | 2,808 |
| Core capital (leverage) ratio | 12.5730% | 1,295 |
| Tier 1 risk-based capital ratio | 22.4394% | 1,190 |
| Total risk-based capital ratio | 23.6972% | 1,165 |
| Memoranda: | ||
| Average total assets | $140,268,000 | 3,946 |
| Average earning assets | $124,691,200 | 4,005 |
| Average equity | $15,933,800 | 3,783 |
| Average total loans | $76,577,600 | 4,135 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7464% | 2,594 |
| Cost of funding earning assets | 0.9765% | 1,699 |
| Net interest margin | 3.7699% | 3,469 |
| Noninterest income to average assets | 0.5135% | 3,837 |
| Noninterest expense to average assets | 3.4260% | 1,940 |
| Loan and lease loss provision to assets | 0.0266% | 5,452 |
| Net operating income to assets | 0.4089% | 5,212 |
| Return on assets (ROA) | 0.5658% | 4,812 |
| Pretax return on assets | 0.5658% | 5,262 |
| Return on Equity (ROE) | 4.9547% | 4,837 |
| Retained earnings to average equity (ytd only) | 4.9547% | 3,396 |
| Net charge-offs to loans | 0.0694% | 4,721 |
| Credit loss provision to net charge-offs | 70.0000% | 3,903 |
| Earnings coverage of net charge-offs (x) | 11.4504% | 2,076 |
| Efficiency ratio | 88.7220% | 1,133 |
| Assets per employee ($millions) | 2.9699% | 6,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9376% | 2,366 |
| Loan loss allowance to noncurrent loans | 55.7126% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 2.4530% | 2,158 |
| Noncurrent loans to loans | 3.4778% | 1,560 |
| Net loans and leases to total assets | 52.8638% | 4,934 |
| Net loans and leases to deposits | 60.8475% | 5,105 |
| Net loans and leases to core deposits | 67.2208% | 4,815 |
| Total domestic deposits to total assets | 86.8792% | 2,749 |
| Equity capital to assets | 11.6408% | 2,606 |
| Core capital (leverage) ratio | 12.6865% | 1,325 |
| Tier 1 risk-based capital ratio | 22.9838% | 1,175 |
| Total risk-based capital ratio | 24.2418% | 1,147 |
| Memoranda: | ||
| Average total assets | $140,217,250 | 3,981 |
| Average earning assets | $124,526,000 | 4,053 |
| Average equity | $16,011,250 | 3,813 |
| Average total loans | $76,896,750 | 4,168 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8328% | 2,369 |
| Cost of funding earning assets | 1.0115% | 1,695 |
| Net interest margin | 3.8213% | 3,263 |
| Noninterest income to average assets | 0.4600% | 4,208 |
| Noninterest expense to average assets | 3.4452% | 1,916 |
| Loan and lease loss provision to assets | 0.0256% | 5,344 |
| Net operating income to assets | 0.3788% | 5,306 |
| Return on assets (ROA) | 0.4558% | 5,248 |
| Pretax return on assets | 0.4558% | 5,564 |
| Return on Equity (ROE) | 4.0171% | 5,254 |
| Retained earnings to average equity (ytd only) | 4.0171% | 3,935 |
| Net charge-offs to loans | -0.0232% | 6,462 |
| Credit loss provision to net charge-offs | -200.0000% | 6,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4932% | 1,117 |
| Assets per employee ($millions) | 2.8339% | 6,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9580% | 2,348 |
| Loan loss allowance to noncurrent loans | 57.0503% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 2.5421% | 2,198 |
| Noncurrent loans to loans | 3.4320% | 1,687 |
| Net loans and leases to total assets | 53.9817% | 4,808 |
| Net loans and leases to deposits | 62.0735% | 4,983 |
| Net loans and leases to core deposits | 68.5769% | 4,719 |
| Total domestic deposits to total assets | 86.9640% | 2,786 |
| Equity capital to assets | 11.5410% | 2,550 |
| Core capital (leverage) ratio | 12.6387% | 1,296 |
| Tier 1 risk-based capital ratio | 22.1021% | 1,273 |
| Total risk-based capital ratio | 23.3594% | 1,253 |
| Memoranda: | ||
| Average total assets | $140,427,330 | 4,001 |
| Average earning assets | $124,566,330 | 4,065 |
| Average equity | $15,932,000 | 3,815 |
| Average total loans | $77,446,000 | 4,170 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9126% | 2,191 |
| Cost of funding earning assets | 1.0459% | 1,707 |
| Net interest margin | 3.8668% | 3,067 |
| Noninterest income to average assets | 0.4334% | 4,428 |
| Noninterest expense to average assets | 3.3879% | 2,036 |
| Loan and lease loss provision to assets | 0.0255% | 5,030 |
| Net operating income to assets | 0.4447% | 5,059 |
| Return on assets (ROA) | 0.4447% | 5,251 |
| Pretax return on assets | 0.4447% | 5,603 |
| Return on Equity (ROE) | 3.9534% | 5,317 |
| Retained earnings to average equity (ytd only) | 3.9534% | 4,213 |
| Net charge-offs to loans | -0.0821% | 6,721 |
| Credit loss provision to net charge-offs | -56.2500% | 5,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8120% | 1,301 |
| Assets per employee ($millions) | 2.8097% | 6,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9218% | 2,610 |
| Loan loss allowance to noncurrent loans | 59.6330% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 2.9434% | 1,965 |
| Noncurrent loans to loans | 3.2228% | 1,992 |
| Net loans and leases to total assets | 54.3091% | 4,671 |
| Net loans and leases to deposits | 62.3218% | 4,868 |
| Net loans and leases to core deposits | 68.7528% | 4,597 |
| Total domestic deposits to total assets | 87.1429% | 2,865 |
| Equity capital to assets | 11.4142% | 2,513 |
| Core capital (leverage) ratio | 12.3446% | 1,412 |
| Tier 1 risk-based capital ratio | 21.3503% | 1,407 |
| Total risk-based capital ratio | 22.6078% | 1,385 |
| Memoranda: | ||
| Average total assets | $141,210,000 | 4,012 |
| Average earning assets | $125,065,500 | 4,085 |
| Average equity | $15,885,000 | 3,833 |
| Average total loans | $77,940,500 | 4,187 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3167% | 1,654 |
| Cost of funding earning assets | 1.4359% | 898 |
| Net interest margin | 3.8807% | 3,423 |
| Noninterest income to average assets | 0.5839% | 3,261 |
| Noninterest expense to average assets | 3.4000% | 2,246 |
| Loan and lease loss provision to assets | 0.2464% | 3,747 |
| Net operating income to assets | 0.3216% | 5,186 |
| Return on assets (ROA) | 0.4169% | 4,970 |
| Pretax return on assets | 0.4169% | 5,236 |
| Return on Equity (ROE) | 3.6207% | 5,016 |
| Retained earnings to average equity (ytd only) | 2.1700% | 4,671 |
| Net charge-offs to loans | 1.9621% | 711 |
| Credit loss provision to net charge-offs | 22.0561% | 5,888 |
| Earnings coverage of net charge-offs (x) | 0.5084% | 5,447 |
| Efficiency ratio | 85.6867% | 1,598 |
| Assets per employee ($millions) | 2.9570% | 6,178 |
| Cash dividends to net income (ytd only)* | 40.0668% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8824% | 2,624 |
| Loan loss allowance to noncurrent loans | 60.0490% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 3.0133% | 1,998 |
| Noncurrent loans to loans | 3.1348% | 2,062 |
| Net loans and leases to total assets | 53.9824% | 5,041 |
| Net loans and leases to deposits | 61.8555% | 5,265 |
| Net loans and leases to core deposits | 67.9535% | 5,032 |
| Total domestic deposits to total assets | 87.2718% | 2,596 |
| Equity capital to assets | 11.0859% | 2,908 |
| Core capital (leverage) ratio | 12.1062% | 1,534 |
| Tier 1 risk-based capital ratio | 20.9601% | 1,421 |
| Total risk-based capital ratio | 22.2166% | 1,399 |
| Memoranda: | ||
| Average total assets | $143,678,400 | 3,917 |
| Average earning assets | $125,285,600 | 4,029 |
| Average equity | $16,543,600 | 3,644 |
| Average total loans | $81,798,400 | 4,087 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3813% | 1,566 |
| Cost of funding earning assets | 1.5290% | 774 |
| Net interest margin | 3.8523% | 3,603 |
| Noninterest income to average assets | 0.5792% | 3,305 |
| Noninterest expense to average assets | 3.5036% | 1,927 |
| Loan and lease loss provision to assets | 0.2211% | 3,805 |
| Net operating income to assets | 0.2017% | 5,700 |
| Return on assets (ROA) | 0.2035% | 5,824 |
| Pretax return on assets | 0.2035% | 5,887 |
| Return on Equity (ROE) | 1.7517% | 5,855 |
| Retained earnings to average equity (ytd only) | 1.7517% | 5,268 |
| Net charge-offs to loans | 1.7471% | 781 |
| Credit loss provision to net charge-offs | 22.0480% | 5,533 |
| Earnings coverage of net charge-offs (x) | 0.4216% | 5,305 |
| Efficiency ratio | 89.2319% | 1,222 |
| Assets per employee ($millions) | 2.9858% | 6,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3623% | 1,599 |
| Loan loss allowance to noncurrent loans | 56.7110% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 3.7846% | 1,639 |
| Noncurrent loans to loans | 4.1655% | 1,580 |
| Net loans and leases to total assets | 54.1017% | 5,147 |
| Net loans and leases to deposits | 63.0001% | 5,292 |
| Net loans and leases to core deposits | 69.3828% | 5,021 |
| Total domestic deposits to total assets | 85.8756% | 3,286 |
| Equity capital to assets | 11.8107% | 2,405 |
| Core capital (leverage) ratio | 11.6299% | 1,935 |
| Tier 1 risk-based capital ratio | 20.3851% | 1,591 |
| Total risk-based capital ratio | 21.6467% | 1,561 |
| Memoranda: | ||
| Average total assets | $144,113,750 | 3,921 |
| Average earning assets | $125,221,000 | 4,060 |
| Average equity | $16,745,750 | 3,624 |
| Average total loans | $82,725,250 | 4,097 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3764% | 1,632 |
| Cost of funding earning assets | 1.6064% | 679 |
| Net interest margin | 3.7701% | 3,937 |
| Noninterest income to average assets | 0.6511% | 2,828 |
| Noninterest expense to average assets | 3.5462% | 1,867 |
| Loan and lease loss provision to assets | 0.2604% | 3,319 |
| Net operating income to assets | 0.1053% | 6,002 |
| Return on assets (ROA) | 0.1067% | 6,082 |
| Pretax return on assets | 0.1067% | 6,095 |
| Return on Equity (ROE) | 0.9230% | 6,105 |
| Retained earnings to average equity (ytd only) | 0.9230% | 5,499 |
| Net charge-offs to loans | 2.4598% | 488 |
| Credit loss provision to net charge-offs | 18.2347% | 5,155 |
| Earnings coverage of net charge-offs (x) | 0.2561% | 5,119 |
| Efficiency ratio | 90.6516% | 1,200 |
| Assets per employee ($millions) | 2.9949% | 6,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3337% | 1,689 |
| Loan loss allowance to noncurrent loans | 64.8481% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 4.4436% | 1,423 |
| Noncurrent loans to loans | 3.5988% | 1,959 |
| Net loans and leases to total assets | 53.5560% | 5,356 |
| Net loans and leases to deposits | 63.3154% | 5,358 |
| Net loans and leases to core deposits | 69.9353% | 5,082 |
| Total domestic deposits to total assets | 84.5861% | 4,084 |
| Equity capital to assets | 11.4118% | 2,589 |
| Core capital (leverage) ratio | 11.3791% | 1,992 |
| Tier 1 risk-based capital ratio | 19.5897% | 1,695 |
| Total risk-based capital ratio | 20.8511% | 1,661 |
| Memoranda: | ||
| Average total assets | $144,378,670 | 3,947 |
| Average earning assets | $124,878,330 | 4,098 |
| Average equity | $16,685,330 | 3,622 |
| Average total loans | $83,829,000 | 4,100 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4401% | 1,449 |
| Cost of funding earning assets | 1.6207% | 756 |
| Net interest margin | 3.8194% | 3,516 |
| Noninterest income to average assets | 0.7794% | 2,115 |
| Noninterest expense to average assets | 3.5309% | 1,928 |
| Loan and lease loss provision to assets | 0.0279% | 5,613 |
| Net operating income to assets | 0.5252% | 4,380 |
| Return on assets (ROA) | 0.5252% | 4,464 |
| Pretax return on assets | 0.5252% | 4,940 |
| Return on Equity (ROE) | 4.5153% | 4,647 |
| Retained earnings to average equity (ytd only) | 4.5153% | 3,465 |
| Net charge-offs to loans | 0.4772% | 2,281 |
| Credit loss provision to net charge-offs | 9.8039% | 4,384 |
| Earnings coverage of net charge-offs (x) | 1.9412% | 3,340 |
| Efficiency ratio | 86.4569% | 1,659 |
| Assets per employee ($millions) | 2.9326% | 6,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1522% | 801 |
| Loan loss allowance to noncurrent loans | 68.3212% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 5.5712% | 1,077 |
| Noncurrent loans to loans | 4.6139% | 1,501 |
| Net loans and leases to total assets | 55.0860% | 5,147 |
| Net loans and leases to deposits | 65.0962% | 5,112 |
| Net loans and leases to core deposits | 72.3744% | 4,739 |
| Total domestic deposits to total assets | 84.6224% | 4,217 |
| Equity capital to assets | 11.4029% | 2,343 |
| Core capital (leverage) ratio | 11.8360% | 1,657 |
| Tier 1 risk-based capital ratio | 19.0934% | 1,778 |
| Total risk-based capital ratio | 20.3638% | 1,738 |
| Memoranda: | ||
| Average total assets | $143,192,500 | 4,009 |
| Average earning assets | $123,894,500 | 4,142 |
| Average equity | $16,654,500 | 3,614 |
| Average total loans | $85,507,500 | 4,091 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8860% | 1,073 |
| Cost of funding earning assets | 1.6698% | 1,729 |
| Net interest margin | 4.2162% | 2,121 |
| Noninterest income to average assets | 0.6483% | 3,162 |
| Noninterest expense to average assets | 3.4763% | 2,238 |
| Loan and lease loss provision to assets | 0.5509% | 2,933 |
| Net operating income to assets | 0.3039% | 4,922 |
| Return on assets (ROA) | 0.3060% | 5,086 |
| Pretax return on assets | 0.3060% | 5,216 |
| Return on Equity (ROE) | 2.6570% | 5,106 |
| Retained earnings to average equity (ytd only) | 2.6570% | 4,002 |
| Net charge-offs to loans | 0.5367% | 3,468 |
| Credit loss provision to net charge-offs | 159.9602% | 2,185 |
| Earnings coverage of net charge-offs (x) | 2.4821% | 3,877 |
| Efficiency ratio | 80.2629% | 2,380 |
| Assets per employee ($millions) | 2.7403% | 6,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1057% | 796 |
| Loan loss allowance to noncurrent loans | 70.4193% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 5.7243% | 1,066 |
| Noncurrent loans to loans | 4.4103% | 1,619 |
| Net loans and leases to total assets | 60.7437% | 4,537 |
| Net loans and leases to deposits | 72.3769% | 4,448 |
| Net loans and leases to core deposits | 80.7490% | 4,100 |
| Total domestic deposits to total assets | 83.9270% | 4,389 |
| Equity capital to assets | 11.8700% | 1,990 |
| Core capital (leverage) ratio | 12.0174% | 1,538 |
| Tier 1 risk-based capital ratio | 18.4317% | 1,864 |
| Total risk-based capital ratio | 19.7030% | 1,820 |
| Memoranda: | ||
| Average total assets | $145,759,600 | 3,953 |
| Average earning assets | $127,319,400 | 4,077 |
| Average equity | $16,785,800 | 3,634 |
| Average total loans | $93,530,400 | 3,966 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9069% | 1,122 |
| Cost of funding earning assets | 1.6719% | 1,999 |
| Net interest margin | 4.2350% | 2,089 |
| Noninterest income to average assets | 0.7144% | 2,743 |
| Noninterest expense to average assets | 3.3627% | 2,391 |
| Loan and lease loss provision to assets | 0.2544% | 4,547 |
| Net operating income to assets | 0.8058% | 2,978 |
| Return on assets (ROA) | 0.8058% | 3,124 |
| Pretax return on assets | 0.8058% | 3,880 |
| Return on Equity (ROE) | 7.0486% | 3,324 |
| Retained earnings to average equity (ytd only) | 7.0486% | 1,820 |
| Net charge-offs to loans | 0.3396% | 3,945 |
| Credit loss provision to net charge-offs | 116.1157% | 3,591 |
| Earnings coverage of net charge-offs (x) | 4.8388% | 2,920 |
| Efficiency ratio | 76.0287% | 2,944 |
| Assets per employee ($millions) | 2.7361% | 6,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7228% | 1,058 |
| Loan loss allowance to noncurrent loans | 57.0534% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 5.2322% | 1,201 |
| Noncurrent loans to loans | 4.7724% | 1,476 |
| Net loans and leases to total assets | 62.9578% | 4,337 |
| Net loans and leases to deposits | 75.3655% | 4,288 |
| Net loans and leases to core deposits | 84.1140% | 3,915 |
| Total domestic deposits to total assets | 83.5367% | 4,356 |
| Equity capital to assets | 12.3448% | 1,945 |
| Core capital (leverage) ratio | 12.1423% | 1,591 |
| Tier 1 risk-based capital ratio | 18.5373% | 1,862 |
| Total risk-based capital ratio | 19.8037% | 1,826 |
| Memoranda: | ||
| Average total assets | $147,260,500 | 3,976 |
| Average earning assets | $128,952,750 | 4,089 |
| Average equity | $16,835,000 | 3,670 |
| Average total loans | $95,009,500 | 3,998 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9796% | 994 |
| Cost of funding earning assets | 1.6782% | 2,239 |
| Net interest margin | 4.3014% | 1,779 |
| Noninterest income to average assets | 0.6714% | 2,879 |
| Noninterest expense to average assets | 3.3224% | 2,493 |
| Loan and lease loss provision to assets | 0.3564% | 3,580 |
| Net operating income to assets | 0.7662% | 3,118 |
| Return on assets (ROA) | 0.7662% | 3,268 |
| Pretax return on assets | 0.7662% | 3,998 |
| Return on Equity (ROE) | 6.8723% | 3,361 |
| Retained earnings to average equity (ytd only) | 6.8723% | 1,892 |
| Net charge-offs to loans | 0.4991% | 3,041 |
| Credit loss provision to net charge-offs | 110.7884% | 3,664 |
| Earnings coverage of net charge-offs (x) | 3.4896% | 3,303 |
| Efficiency ratio | 74.7447% | 3,319 |
| Assets per employee ($millions) | 2.8282% | 6,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6349% | 1,156 |
| Loan loss allowance to noncurrent loans | 56.3984% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 4.9841% | 1,296 |
| Noncurrent loans to loans | 4.6720% | 1,534 |
| Net loans and leases to total assets | 62.6622% | 4,545 |
| Net loans and leases to deposits | 74.3944% | 4,611 |
| Net loans and leases to core deposits | 82.4002% | 4,358 |
| Total domestic deposits to total assets | 84.2298% | 4,001 |
| Equity capital to assets | 11.7630% | 2,232 |
| Core capital (leverage) ratio | 11.5576% | 1,877 |
| Tier 1 risk-based capital ratio | 17.5672% | 2,088 |
| Total risk-based capital ratio | 18.8323% | 2,045 |
| Memoranda: | ||
| Average total assets | $149,833,670 | 3,955 |
| Average earning assets | $131,446,670 | 4,065 |
| Average equity | $16,704,670 | 3,681 |
| Average total loans | $96,575,670 | 3,998 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0152% | 947 |
| Cost of funding earning assets | 1.7220% | 2,280 |
| Net interest margin | 4.2932% | 1,707 |
| Noninterest income to average assets | 0.7050% | 2,564 |
| Noninterest expense to average assets | 3.3152% | 2,476 |
| Loan and lease loss provision to assets | 0.4062% | 2,931 |
| Net operating income to assets | 0.7600% | 3,159 |
| Return on assets (ROA) | 0.7600% | 3,269 |
| Pretax return on assets | 0.7600% | 4,026 |
| Return on Equity (ROE) | 6.9991% | 3,340 |
| Retained earnings to average equity (ytd only) | 6.9991% | 2,131 |
| Net charge-offs to loans | 0.6826% | 2,126 |
| Credit loss provision to net charge-offs | 92.2619% | 3,611 |
| Earnings coverage of net charge-offs (x) | 2.6488% | 3,207 |
| Efficiency ratio | 73.9766% | 3,581 |
| Assets per employee ($millions) | 2.8418% | 6,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5370% | 1,249 |
| Loan loss allowance to noncurrent loans | 67.0287% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 4.5869% | 1,465 |
| Noncurrent loans to loans | 3.7850% | 2,093 |
| Net loans and leases to total assets | 63.8005% | 4,374 |
| Net loans and leases to deposits | 75.5137% | 4,495 |
| Net loans and leases to core deposits | 83.5152% | 4,269 |
| Total domestic deposits to total assets | 84.4887% | 3,899 |
| Equity capital to assets | 11.5453% | 2,327 |
| Core capital (leverage) ratio | 10.8719% | 2,316 |
| Tier 1 risk-based capital ratio | 17.0044% | 2,269 |
| Total risk-based capital ratio | 18.2689% | 2,212 |
| Memoranda: | ||
| Average total assets | $152,630,500 | 3,971 |
| Average earning assets | $134,260,000 | 4,070 |
| Average equity | $16,573,500 | 3,741 |
| Average total loans | $98,448,500 | 4,002 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7912% | 2,693 |
| Cost of funding earning assets | 2.3735% | 1,381 |
| Net interest margin | 3.4177% | 5,303 |
| Noninterest income to average assets | -0.4606% | 7,935 |
| Noninterest expense to average assets | 3.0934% | 3,770 |
| Loan and lease loss provision to assets | 2.8752% | 631 |
| Net operating income to assets | -3.4258% | 7,492 |
| Return on assets (ROA) | -3.4206% | 7,491 |
| Pretax return on assets | -3.4206% | 7,398 |
| Return on Equity (ROE) | -29.2595% | 7,393 |
| Retained earnings to average equity (ytd only) | -29.2595% | 7,375 |
| Net charge-offs to loans | 5.0159% | 260 |
| Credit loss provision to net charge-offs | 89.1813% | 6,031 |
| Earnings coverage of net charge-offs (x) | -0.1708% | 6,411 |
| Efficiency ratio | 121.6571% | 583 |
| Assets per employee ($millions) | 3.1437% | 5,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3720% | 1,384 |
| Loan loss allowance to noncurrent loans | 40.6859% | 5,684 |
| Noncurrent assets plus other real estate owned to assets | 5.4077% | 1,088 |
| Noncurrent loans to loans | 5.8301% | 1,082 |
| Net loans and leases to total assets | 62.1239% | 4,966 |
| Net loans and leases to deposits | 72.1174% | 5,309 |
| Net loans and leases to core deposits | 104.6888% | 3,492 |
| Total domestic deposits to total assets | 86.1428% | 2,938 |
| Equity capital to assets | 10.2378% | 3,475 |
| Core capital (leverage) ratio | 9.7788% | 3,358 |
| Tier 1 risk-based capital ratio | 15.2741% | 2,814 |
| Total risk-based capital ratio | 16.5358% | 2,767 |
| Memoranda: | ||
| Average total assets | $170,877,800 | 3,597 |
| Average earning assets | $150,158,800 | 3,715 |
| Average equity | $19,976,400 | 3,206 |
| Average total loans | $109,831,600 | 3,698 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8122% | 2,832 |
| Cost of funding earning assets | 2.5123% | 1,260 |
| Net interest margin | 3.2999% | 5,643 |
| Noninterest income to average assets | 0.3104% | 6,003 |
| Noninterest expense to average assets | 3.1051% | 3,636 |
| Loan and lease loss provision to assets | 2.5188% | 660 |
| Net operating income to assets | -2.4189% | 7,450 |
| Return on assets (ROA) | -2.4428% | 7,445 |
| Pretax return on assets | -2.4428% | 7,326 |
| Return on Equity (ROE) | -20.3123% | 7,385 |
| Retained earnings to average equity (ytd only) | -20.3123% | 7,349 |
| Net charge-offs to loans | 3.3218% | 472 |
| Credit loss provision to net charge-offs | 117.7020% | 4,317 |
| Earnings coverage of net charge-offs (x) | 0.0467% | 6,003 |
| Efficiency ratio | 96.8832% | 1,218 |
| Assets per employee ($millions) | 3.2553% | 5,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2952% | 507 |
| Loan loss allowance to noncurrent loans | 43.1771% | 5,434 |
| Noncurrent assets plus other real estate owned to assets | 7.5669% | 587 |
| Noncurrent loans to loans | 7.6318% | 667 |
| Net loans and leases to total assets | 60.8350% | 5,451 |
| Net loans and leases to deposits | 71.2485% | 5,770 |
| Net loans and leases to core deposits | 108.0067% | 3,473 |
| Total domestic deposits to total assets | 85.3842% | 3,034 |
| Equity capital to assets | 11.2054% | 2,829 |
| Core capital (leverage) ratio | 11.0190% | 2,390 |
| Tier 1 risk-based capital ratio | 17.0861% | 2,250 |
| Total risk-based capital ratio | 18.3578% | 2,193 |
| Memoranda: | ||
| Average total assets | $173,515,250 | 3,563 |
| Average earning assets | $152,204,250 | 3,690 |
| Average equity | $20,867,000 | 3,114 |
| Average total loans | $111,784,000 | 3,698 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8650% | 2,741 |
| Cost of funding earning assets | 2.6147% | 1,247 |
| Net interest margin | 3.2503% | 5,734 |
| Noninterest income to average assets | 0.4905% | 4,527 |
| Noninterest expense to average assets | 3.0641% | 3,829 |
| Loan and lease loss provision to assets | 1.2691% | 1,348 |
| Net operating income to assets | -1.0016% | 6,987 |
| Return on assets (ROA) | -1.0038% | 6,989 |
| Pretax return on assets | -1.0038% | 6,819 |
| Return on Equity (ROE) | -8.1674% | 6,902 |
| Retained earnings to average equity (ytd only) | -8.1674% | 6,689 |
| Net charge-offs to loans | 3.6002% | 428 |
| Credit loss provision to net charge-offs | 54.3053% | 5,693 |
| Earnings coverage of net charge-offs (x) | 0.1145% | 5,558 |
| Efficiency ratio | 91.9698% | 1,641 |
| Assets per employee ($millions) | 3.3462% | 5,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9183% | 1,748 |
| Loan loss allowance to noncurrent loans | 26.3778% | 6,748 |
| Noncurrent assets plus other real estate owned to assets | 7.9828% | 476 |
| Noncurrent loans to loans | 7.2725% | 657 |
| Net loans and leases to total assets | 62.3773% | 5,289 |
| Net loans and leases to deposits | 74.1481% | 5,432 |
| Net loans and leases to core deposits | 113.7943% | 2,933 |
| Total domestic deposits to total assets | 84.1253% | 3,699 |
| Equity capital to assets | 12.3940% | 1,978 |
| Core capital (leverage) ratio | 12.3635% | 1,666 |
| Tier 1 risk-based capital ratio | 18.3490% | 1,916 |
| Total risk-based capital ratio | 19.5824% | 1,871 |
| Memoranda: | ||
| Average total assets | $174,928,330 | 3,556 |
| Average earning assets | $152,907,330 | 3,685 |
| Average equity | $21,500,000 | 3,034 |
| Average total loans | $113,549,330 | 3,687 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6920% | 3,842 |
| Cost of funding earning assets | 2.8059% | 967 |
| Net interest margin | 2.8861% | 6,777 |
| Noninterest income to average assets | 0.5241% | 4,104 |
| Noninterest expense to average assets | 3.1107% | 3,338 |
| Loan and lease loss provision to assets | 1.3193% | 978 |
| Net operating income to assets | -1.3848% | 7,456 |
| Return on assets (ROA) | -1.3600% | 7,458 |
| Pretax return on assets | -1.3600% | 7,323 |
| Return on Equity (ROE) | -11.1098% | 7,432 |
| Retained earnings to average equity (ytd only) | -11.1098% | 7,215 |
| Net charge-offs to loans | 6.0142% | 157 |
| Credit loss provision to net charge-offs | 33.4670% | 4,909 |
| Earnings coverage of net charge-offs (x) | -0.0166% | 4,999 |
| Efficiency ratio | 102.1513% | 1,043 |
| Assets per employee ($millions) | 3.4238% | 5,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6551% | 2,295 |
| Loan loss allowance to noncurrent loans | 24.9764% | 6,901 |
| Noncurrent assets plus other real estate owned to assets | 7.5107% | 417 |
| Noncurrent loans to loans | 6.6268% | 643 |
| Net loans and leases to total assets | 61.9078% | 5,348 |
| Net loans and leases to deposits | 76.4631% | 5,156 |
| Net loans and leases to core deposits | 118.4206% | 2,557 |
| Total domestic deposits to total assets | 80.9643% | 4,986 |
| Equity capital to assets | 12.1282% | 2,180 |
| Core capital (leverage) ratio | 12.0411% | 1,882 |
| Tier 1 risk-based capital ratio | 18.0792% | 2,031 |
| Total risk-based capital ratio | 19.3330% | 1,978 |
| Memoranda: | ||
| Average total assets | $177,065,000 | 3,553 |
| Average earning assets | $154,674,000 | 3,667 |
| Average equity | $21,674,500 | 3,022 |
| Average total loans | $116,058,000 | 3,652 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6022% | 2,486 |
| Cost of funding earning assets | 3.2071% | 1,167 |
| Net interest margin | 3.3951% | 5,681 |
| Noninterest income to average assets | 0.5900% | 3,915 |
| Noninterest expense to average assets | 2.6799% | 5,340 |
| Loan and lease loss provision to assets | 1.6114% | 813 |
| Net operating income to assets | -0.6219% | 7,018 |
| Return on assets (ROA) | -0.5962% | 6,892 |
| Pretax return on assets | -0.5962% | 6,731 |
| Return on Equity (ROE) | -4.8836% | 6,854 |
| Retained earnings to average equity (ytd only) | -8.3106% | 6,906 |
| Net charge-offs to loans | 1.2327% | 978 |
| Credit loss provision to net charge-offs | 198.9025% | 2,457 |
| Earnings coverage of net charge-offs (x) | 1.2214% | 5,516 |
| Efficiency ratio | 73.0331% | 3,743 |
| Assets per employee ($millions) | 3.3225% | 5,158 |
| Cash dividends to net income (ytd only)* | -70.1754% | 8,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5125% | 667 |
| Loan loss allowance to noncurrent loans | 27.5560% | 6,857 |
| Noncurrent assets plus other real estate owned to assets | 7.4450% | 328 |
| Noncurrent loans to loans | 9.1177% | 253 |
| Net loans and leases to total assets | 66.4571% | 4,762 |
| Net loans and leases to deposits | 82.4567% | 4,655 |
| Net loans and leases to core deposits | 128.0053% | 1,998 |
| Total domestic deposits to total assets | 80.5964% | 4,809 |
| Equity capital to assets | 12.3550% | 2,083 |
| Core capital (leverage) ratio | 12.4331% | 1,780 |
| Tier 1 risk-based capital ratio | 18.0475% | 2,028 |
| Total risk-based capital ratio | 19.3121% | 1,975 |
| Memoranda: | ||
| Average total assets | $191,200,600 | 3,256 |
| Average earning assets | $173,427,400 | 3,278 |
| Average equity | $23,343,600 | 2,809 |
| Average total loans | $125,657,400 | 3,334 |