Home > First National Bank of Crossett > Performance and Condition Ratios
First National Bank of Crossett, Performance and Condition Ratios
| 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 | 5.2313% | 588 |
| Cost of funding earning assets | 0.3352% | 4,277 |
| Net interest margin | 4.8961% | 317 |
| Noninterest income to average assets | 1.5408% | 411 |
| Noninterest expense to average assets | 3.7963% | 674 |
| Loan and lease loss provision to assets | 0.1224% | 1,644 |
| Net operating income to assets | 1.6198% | 930 |
| Return on assets (ROA) | 1.4252% | 1,400 |
| Pretax return on assets | 1.7865% | 1,043 |
| Return on Equity (ROE) | 13.6655% | 1,212 |
| Retained earnings to average equity (ytd only) | 2.3975% | 4,438 |
| Net charge-offs to loans | -0.0651% | 5,029 |
| Credit loss provision to net charge-offs | -278.4314% | 4,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8208% | 3,212 |
| Assets per employee ($millions) | 3.9366% | 3,990 |
| Cash dividends to net income (ytd only)* | 82.4564% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5882% | 5,059 |
| Loan loss allowance to noncurrent loans | 155.6604% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.3680% | 3,198 |
| Noncurrent loans to loans | 0.3779% | 3,297 |
| Net loans and leases to total assets | 72.6554% | 2,222 |
| Net loans and leases to deposits | 85.6924% | 2,397 |
| Net loans and leases to core deposits | 96.3330% | 2,083 |
| Total domestic deposits to total assets | 84.7863% | 2,690 |
| Equity capital to assets | 10.4907% | 3,154 |
| Core capital (leverage) ratio | 11.3387% | 2,297 |
| Tier 1 risk-based capital ratio | 14.1103% | 3,313 |
| Total risk-based capital ratio | 14.6421% | 3,609 |
| Memoranda: | ||
| Average total assets | $154,636,500 | 3,366 |
| Average earning assets | $139,210,250 | 3,404 |
| Average equity | $16,127,750 | 3,529 |
| Average total loans | $104,417,500 | 3,250 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0319% | 765 |
| Cost of funding earning assets | 0.2873% | 4,516 |
| Net interest margin | 4.7446% | 397 |
| Noninterest income to average assets | 1.4786% | 438 |
| Noninterest expense to average assets | 3.7650% | 694 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5852% | 946 |
| Return on assets (ROA) | 1.2941% | 1,786 |
| Pretax return on assets | 1.6115% | 1,464 |
| Return on Equity (ROE) | 12.4326% | 1,566 |
| Retained earnings to average equity (ytd only) | -4.4623% | 5,264 |
| Net charge-offs to loans | -0.1002% | 5,158 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5878% | 3,043 |
| Assets per employee ($millions) | 3.6760% | 4,379 |
| Cash dividends to net income (ytd only)* | 135.8923% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4697% | 5,297 |
| Loan loss allowance to noncurrent loans | 108.8421% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 0.6211% | 2,359 |
| Noncurrent loans to loans | 0.4316% | 3,151 |
| Net loans and leases to total assets | 70.9512% | 2,441 |
| Net loans and leases to deposits | 81.4319% | 2,824 |
| Net loans and leases to core deposits | 91.1582% | 2,473 |
| Total domestic deposits to total assets | 87.1295% | 1,787 |
| Equity capital to assets | 10.2985% | 3,341 |
| Core capital (leverage) ratio | 10.7799% | 2,724 |
| Tier 1 risk-based capital ratio | 13.7471% | 3,482 |
| Total risk-based capital ratio | 14.1686% | 3,863 |
| Memoranda: | ||
| Average total assets | $155,006,670 | 3,381 |
| Average earning assets | $139,233,000 | 3,418 |
| Average equity | $16,135,000 | 3,543 |
| Average total loans | $101,821,670 | 3,308 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9015% | 868 |
| Cost of funding earning assets | 0.2636% | 4,627 |
| Net interest margin | 4.6380% | 459 |
| Noninterest income to average assets | 1.4680% | 436 |
| Noninterest expense to average assets | 3.6185% | 852 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5427% | 971 |
| Return on assets (ROA) | 1.5427% | 979 |
| Pretax return on assets | 2.0191% | 550 |
| Return on Equity (ROE) | 14.7423% | 848 |
| Retained earnings to average equity (ytd only) | -5.4884% | 5,227 |
| Net charge-offs to loans | -0.0246% | 4,654 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1846% | 3,450 |
| Assets per employee ($millions) | 3.7303% | 4,373 |
| Cash dividends to net income (ytd only)* | 137.2287% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4697% | 5,367 |
| Loan loss allowance to noncurrent loans | 56.6627% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 0.6919% | 2,252 |
| Noncurrent loans to loans | 0.8289% | 2,163 |
| Net loans and leases to total assets | 63.8436% | 3,330 |
| Net loans and leases to deposits | 72.1921% | 3,587 |
| Net loans and leases to core deposits | 83.8538% | 2,995 |
| Total domestic deposits to total assets | 88.4357% | 1,387 |
| Equity capital to assets | 10.1065% | 3,493 |
| Core capital (leverage) ratio | 11.0456% | 2,393 |
| Tier 1 risk-based capital ratio | 14.7998% | 2,981 |
| Total risk-based capital ratio | 15.2107% | 3,313 |
| Memoranda: | ||
| Average total assets | $155,314,000 | 3,413 |
| Average earning assets | $139,630,500 | 3,451 |
| Average equity | $16,252,500 | 3,553 |
| Average total loans | $97,702,500 | 3,401 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7363% | 1,107 |
| Cost of funding earning assets | 0.2035% | 4,921 |
| Net interest margin | 4.5328% | 570 |
| Noninterest income to average assets | 1.4241% | 524 |
| Noninterest expense to average assets | 3.9830% | 550 |
| Loan and lease loss provision to assets | -0.7890% | 5,663 |
| Net operating income to assets | 1.5504% | 723 |
| Return on assets (ROA) | 1.5464% | 741 |
| Pretax return on assets | 2.2670% | 284 |
| Return on Equity (ROE) | 14.5664% | 680 |
| Retained earnings to average equity (ytd only) | 5.0908% | 2,071 |
| Net charge-offs to loans | 0.0780% | 2,332 |
| Credit loss provision to net charge-offs | -1,714.2857% | 5,143 |
| Earnings coverage of net charge-offs (x) | 32.2429% | 1,473 |
| Efficiency ratio | 72.8563% | 2,087 |
| Assets per employee ($millions) | 3.6661% | 4,489 |
| Cash dividends to net income (ytd only)* | 65.0510% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4910% | 5,397 |
| Loan loss allowance to noncurrent loans | 51.3216% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 0.7527% | 2,076 |
| Noncurrent loans to loans | 0.9567% | 1,850 |
| Net loans and leases to total assets | 61.3351% | 3,697 |
| Net loans and leases to deposits | 69.5987% | 3,907 |
| Net loans and leases to core deposits | 77.2734% | 3,646 |
| Total domestic deposits to total assets | 88.1268% | 1,421 |
| Equity capital to assets | 10.7581% | 2,888 |
| Core capital (leverage) ratio | 11.2119% | 2,154 |
| Tier 1 risk-based capital ratio | 15.1952% | 2,750 |
| Total risk-based capital ratio | 15.6089% | 3,071 |
| Memoranda: | ||
| Average total assets | $152,095,600 | 3,442 |
| Average earning assets | $135,655,800 | 3,511 |
| Average equity | $16,146,800 | 3,573 |
| Average total loans | $89,723,200 | 3,531 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7260% | 1,083 |
| Cost of funding earning assets | 0.1991% | 4,983 |
| Net interest margin | 4.5269% | 567 |
| Noninterest income to average assets | 1.4363% | 520 |
| Noninterest expense to average assets | 3.7656% | 708 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1988% | 1,699 |
| Return on assets (ROA) | 1.1950% | 1,747 |
| Pretax return on assets | 1.6899% | 1,151 |
| Return on Equity (ROE) | 11.3763% | 1,537 |
| Retained earnings to average equity (ytd only) | 2.0539% | 4,616 |
| Net charge-offs to loans | 0.1116% | 1,671 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 26.0146% | 1,700 |
| Efficiency ratio | 68.9566% | 2,719 |
| Assets per employee ($millions) | 3.5559% | 4,643 |
| Cash dividends to net income (ytd only)* | 81.9454% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8193% | 825 |
| Loan loss allowance to noncurrent loans | 177.3746% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.7810% | 2,184 |
| Noncurrent loans to loans | 1.0257% | 1,893 |
| Net loans and leases to total assets | 57.3268% | 4,125 |
| Net loans and leases to deposits | 64.4087% | 4,353 |
| Net loans and leases to core deposits | 71.3554% | 4,165 |
| Total domestic deposits to total assets | 89.0048% | 890 |
| Equity capital to assets | 10.3273% | 3,568 |
| Core capital (leverage) ratio | 11.0245% | 2,433 |
| Tier 1 risk-based capital ratio | 15.0550% | 2,893 |
| Total risk-based capital ratio | 16.3076% | 2,823 |
| Memoranda: | ||
| Average total assets | $151,401,500 | 3,481 |
| Average earning assets | $134,599,750 | 3,564 |
| Average equity | $15,904,000 | 3,644 |
| Average total loans | $88,427,000 | 3,589 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7199% | 1,018 |
| Cost of funding earning assets | 0.1959% | 5,025 |
| Net interest margin | 4.5241% | 540 |
| Noninterest income to average assets | 1.4948% | 485 |
| Noninterest expense to average assets | 3.7351% | 735 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2600% | 1,407 |
| Return on assets (ROA) | 1.2544% | 1,445 |
| Pretax return on assets | 1.7941% | 855 |
| Return on Equity (ROE) | 11.8716% | 1,337 |
| Retained earnings to average equity (ytd only) | 3.2113% | 3,806 |
| Net charge-offs to loans | 0.1784% | 1,113 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 17.2949% | 1,931 |
| Efficiency ratio | 67.4548% | 3,102 |
| Assets per employee ($millions) | 3.4675% | 4,769 |
| Cash dividends to net income (ytd only)* | 72.9499% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8969% | 725 |
| Loan loss allowance to noncurrent loans | 174.5263% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.8480% | 2,091 |
| Noncurrent loans to loans | 1.0869% | 1,805 |
| Net loans and leases to total assets | 58.8784% | 3,930 |
| Net loans and leases to deposits | 66.6721% | 4,174 |
| Net loans and leases to core deposits | 76.0047% | 3,774 |
| Total domestic deposits to total assets | 88.3104% | 1,300 |
| Equity capital to assets | 11.1396% | 2,666 |
| Core capital (leverage) ratio | 11.3786% | 2,068 |
| Tier 1 risk-based capital ratio | 16.1206% | 2,452 |
| Total risk-based capital ratio | 17.3744% | 2,398 |
| Memoranda: | ||
| Average total assets | $149,715,670 | 3,524 |
| Average earning assets | $133,773,000 | 3,595 |
| Average equity | $15,819,330 | 3,659 |
| Average total loans | $87,451,000 | 3,628 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6269% | 1,073 |
| Cost of funding earning assets | 0.1922% | 5,043 |
| Net interest margin | 4.4348% | 595 |
| Noninterest income to average assets | 1.4576% | 507 |
| Noninterest expense to average assets | 3.5083% | 1,030 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3495% | 1,120 |
| Return on assets (ROA) | 1.3495% | 1,155 |
| Pretax return on assets | 1.9030% | 630 |
| Return on Equity (ROE) | 13.1135% | 975 |
| Retained earnings to average equity (ytd only) | 8.6826% | 1,197 |
| Net charge-offs to loans | 0.0869% | 1,476 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 1,068 |
| Efficiency ratio | 64.8320% | 3,691 |
| Assets per employee ($millions) | 3.7189% | 4,470 |
| Cash dividends to net income (ytd only)* | 33.7891% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9637% | 717 |
| Loan loss allowance to noncurrent loans | 167.3489% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.8598% | 2,156 |
| Noncurrent loans to loans | 1.1734% | 1,736 |
| Net loans and leases to total assets | 56.2204% | 4,148 |
| Net loans and leases to deposits | 62.9154% | 4,372 |
| Net loans and leases to core deposits | 72.9069% | 3,924 |
| Total domestic deposits to total assets | 89.3588% | 969 |
| Equity capital to assets | 10.4077% | 3,282 |
| Core capital (leverage) ratio | 11.0005% | 2,359 |
| Tier 1 risk-based capital ratio | 15.9638% | 2,562 |
| Total risk-based capital ratio | 17.2182% | 2,513 |
| Memoranda: | ||
| Average total assets | $151,756,500 | 3,534 |
| Average earning assets | $135,294,500 | 3,602 |
| Average equity | $15,617,500 | 3,705 |
| Average total loans | $87,474,000 | 3,657 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5630% | 1,376 |
| Cost of funding earning assets | 0.1859% | 5,150 |
| Net interest margin | 4.3771% | 809 |
| Noninterest income to average assets | 1.3935% | 588 |
| Noninterest expense to average assets | 3.8834% | 705 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0103% | 2,308 |
| Return on assets (ROA) | 1.0180% | 2,376 |
| Pretax return on assets | 1.4597% | 1,714 |
| Return on Equity (ROE) | 9.3364% | 2,255 |
| Retained earnings to average equity (ytd only) | 2.4171% | 4,147 |
| Net charge-offs to loans | -0.0878% | 5,549 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8297% | 2,452 |
| Assets per employee ($millions) | 3.6839% | 4,504 |
| Cash dividends to net income (ytd only)* | 74.1113% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9826% | 678 |
| Loan loss allowance to noncurrent loans | 139.2456% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.9872% | 1,921 |
| Noncurrent loans to loans | 1.4238% | 1,427 |
| Net loans and leases to total assets | 56.7896% | 4,190 |
| Net loans and leases to deposits | 63.7761% | 4,430 |
| Net loans and leases to core deposits | 74.0563% | 3,919 |
| Total domestic deposits to total assets | 89.0453% | 1,095 |
| Equity capital to assets | 10.1735% | 3,516 |
| Core capital (leverage) ratio | 10.5360% | 2,846 |
| Tier 1 risk-based capital ratio | 15.7211% | 2,664 |
| Total risk-based capital ratio | 16.9754% | 2,585 |
| Memoranda: | ||
| Average total assets | $146,470,000 | 3,571 |
| Average earning assets | $131,799,200 | 3,622 |
| Average equity | $15,969,800 | 3,693 |
| Average total loans | $81,989,600 | 3,761 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5435% | 1,421 |
| Cost of funding earning assets | 0.1841% | 5,232 |
| Net interest margin | 4.3595% | 834 |
| Noninterest income to average assets | 1.4395% | 573 |
| Noninterest expense to average assets | 3.6936% | 857 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1519% | 1,802 |
| Return on assets (ROA) | 1.1551% | 1,885 |
| Pretax return on assets | 1.6835% | 1,162 |
| Return on Equity (ROE) | 10.4128% | 1,900 |
| Retained earnings to average equity (ytd only) | 3.7466% | 3,639 |
| Net charge-offs to loans | -0.1356% | 5,668 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7500% | 3,090 |
| Assets per employee ($millions) | 3.7268% | 4,427 |
| Cash dividends to net income (ytd only)* | 64.0193% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9669% | 762 |
| Loan loss allowance to noncurrent loans | 134.7222% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 1.2212% | 1,626 |
| Noncurrent loans to loans | 1.4600% | 1,481 |
| Net loans and leases to total assets | 56.9520% | 4,202 |
| Net loans and leases to deposits | 65.8467% | 4,359 |
| Net loans and leases to core deposits | 76.6658% | 3,778 |
| Total domestic deposits to total assets | 86.4919% | 2,131 |
| Equity capital to assets | 10.8575% | 3,193 |
| Core capital (leverage) ratio | 11.1555% | 2,307 |
| Tier 1 risk-based capital ratio | 16.0149% | 2,621 |
| Total risk-based capital ratio | 17.2708% | 2,559 |
| Memoranda: | ||
| Average total assets | $145,327,500 | 3,601 |
| Average earning assets | $131,114,000 | 3,655 |
| Average equity | $16,120,750 | 3,707 |
| Average total loans | $80,609,500 | 3,807 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5614% | 1,350 |
| Cost of funding earning assets | 0.1836% | 5,289 |
| Net interest margin | 4.3777% | 795 |
| Noninterest income to average assets | 1.4422% | 557 |
| Noninterest expense to average assets | 3.6937% | 890 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1598% | 1,737 |
| Return on assets (ROA) | 1.1636% | 1,828 |
| Pretax return on assets | 1.7264% | 1,035 |
| Return on Equity (ROE) | 10.4107% | 1,883 |
| Retained earnings to average equity (ytd only) | 3.9338% | 3,397 |
| Net charge-offs to loans | -0.1720% | 5,779 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2183% | 3,293 |
| Assets per employee ($millions) | 3.5849% | 4,618 |
| Cash dividends to net income (ytd only)* | 62.2142% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0082% | 722 |
| Loan loss allowance to noncurrent loans | 158.0822% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 1.1123% | 1,901 |
| Noncurrent loans to loans | 1.2704% | 1,789 |
| Net loans and leases to total assets | 58.9030% | 4,022 |
| Net loans and leases to deposits | 68.0349% | 4,180 |
| Net loans and leases to core deposits | 76.0526% | 3,817 |
| Total domestic deposits to total assets | 86.5776% | 2,121 |
| Equity capital to assets | 11.4286% | 2,617 |
| Core capital (leverage) ratio | 11.1962% | 2,241 |
| Tier 1 risk-based capital ratio | 16.6876% | 2,356 |
| Total risk-based capital ratio | 17.9435% | 2,310 |
| Memoranda: | ||
| Average total assets | $142,837,670 | 3,657 |
| Average earning assets | $129,610,000 | 3,699 |
| Average equity | $15,964,330 | 3,740 |
| Average total loans | $77,890,330 | 3,908 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6050% | 1,252 |
| Cost of funding earning assets | 0.1768% | 5,404 |
| Net interest margin | 4.4283% | 697 |
| Noninterest income to average assets | 1.4113% | 560 |
| Noninterest expense to average assets | 3.6532% | 957 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2053% | 1,536 |
| Return on assets (ROA) | 1.1728% | 1,739 |
| Pretax return on assets | 1.7172% | 1,029 |
| Return on Equity (ROE) | 10.6142% | 1,738 |
| Retained earnings to average equity (ytd only) | 4.9262% | 2,987 |
| Net charge-offs to loans | -0.1899% | 5,835 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4262% | 3,554 |
| Assets per employee ($millions) | 3.5937% | 4,660 |
| Cash dividends to net income (ytd only)* | 53.5885% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2648% | 543 |
| Loan loss allowance to noncurrent loans | 148.0836% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 1.2946% | 1,665 |
| Noncurrent loans to loans | 1.5294% | 1,531 |
| Net loans and leases to total assets | 51.0355% | 4,721 |
| Net loans and leases to deposits | 57.6800% | 4,873 |
| Net loans and leases to core deposits | 64.2833% | 4,670 |
| Total domestic deposits to total assets | 88.4805% | 1,362 |
| Equity capital to assets | 11.1446% | 2,779 |
| Core capital (leverage) ratio | 11.2804% | 2,165 |
| Tier 1 risk-based capital ratio | 18.3965% | 1,883 |
| Total risk-based capital ratio | 19.6543% | 1,837 |
| Memoranda: | ||
| Average total assets | $142,559,000 | 3,695 |
| Average earning assets | $128,990,000 | 3,732 |
| Average equity | $15,752,500 | 3,774 |
| Average total loans | $73,738,000 | 4,030 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3141% | 2,180 |
| Cost of funding earning assets | 0.1798% | 5,458 |
| Net interest margin | 4.1343% | 1,325 |
| Noninterest income to average assets | 1.5827% | 506 |
| Noninterest expense to average assets | 4.1373% | 578 |
| Loan and lease loss provision to assets | -0.2954% | 6,058 |
| Net operating income to assets | 0.9561% | 2,589 |
| Return on assets (ROA) | 0.9647% | 2,625 |
| Pretax return on assets | 1.4464% | 1,735 |
| Return on Equity (ROE) | 8.6305% | 2,656 |
| Retained earnings to average equity (ytd only) | -2.4321% | 5,780 |
| Net charge-offs to loans | -0.3586% | 6,041 |
| Credit loss provision to net charge-offs | 170.3704% | 1,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4255% | 1,902 |
| Assets per employee ($millions) | 3.5343% | 4,760 |
| Cash dividends to net income (ytd only)* | 128.1805% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2993% | 512 |
| Loan loss allowance to noncurrent loans | 140.5063% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 1.3426% | 1,572 |
| Noncurrent loans to loans | 1.6364% | 1,393 |
| Net loans and leases to total assets | 50.0449% | 4,867 |
| Net loans and leases to deposits | 56.3764% | 5,022 |
| Net loans and leases to core deposits | 64.3729% | 4,716 |
| Total domestic deposits to total assets | 88.7693% | 1,245 |
| Equity capital to assets | 10.9534% | 2,868 |
| Core capital (leverage) ratio | 11.2402% | 2,167 |
| Tier 1 risk-based capital ratio | 18.2482% | 1,895 |
| Total risk-based capital ratio | 19.5054% | 1,859 |
| Memoranda: | ||
| Average total assets | $140,140,600 | 3,718 |
| Average earning assets | $125,172,400 | 3,786 |
| Average equity | $15,665,400 | 3,736 |
| Average total loans | $67,761,600 | 4,151 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3238% | 2,157 |
| Cost of funding earning assets | 0.1790% | 5,562 |
| Net interest margin | 4.1447% | 1,292 |
| Noninterest income to average assets | 1.6286% | 480 |
| Noninterest expense to average assets | 3.7968% | 857 |
| Loan and lease loss provision to assets | 0.0105% | 4,060 |
| Net operating income to assets | 0.9879% | 2,526 |
| Return on assets (ROA) | 0.9974% | 2,572 |
| Pretax return on assets | 1.5218% | 1,620 |
| Return on Equity (ROE) | 8.8771% | 2,642 |
| Retained earnings to average equity (ytd only) | -3.7596% | 5,979 |
| Net charge-offs to loans | -0.4224% | 6,134 |
| Credit loss provision to net charge-offs | -5.2133% | 4,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4388% | 2,972 |
| Assets per employee ($millions) | 3.1667% | 5,344 |
| Cash dividends to net income (ytd only)* | 142.3517% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9663% | 253 |
| Loan loss allowance to noncurrent loans | 145.5060% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 1.7963% | 1,195 |
| Noncurrent loans to loans | 2.0386% | 1,132 |
| Net loans and leases to total assets | 49.3930% | 4,980 |
| Net loans and leases to deposits | 55.9580% | 5,126 |
| Net loans and leases to core deposits | 62.4943% | 4,903 |
| Total domestic deposits to total assets | 88.2681% | 1,416 |
| Equity capital to assets | 11.3956% | 2,591 |
| Core capital (leverage) ratio | 11.5350% | 2,010 |
| Tier 1 risk-based capital ratio | 18.8251% | 1,813 |
| Total risk-based capital ratio | 20.0904% | 1,782 |
| Memoranda: | ||
| Average total assets | $139,833,000 | 3,759 |
| Average earning assets | $124,363,750 | 3,844 |
| Average equity | $15,710,500 | 3,763 |
| Average total loans | $66,598,500 | 4,220 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2358% | 2,407 |
| Cost of funding earning assets | 0.1838% | 5,583 |
| Net interest margin | 4.0519% | 1,492 |
| Noninterest income to average assets | 1.6121% | 498 |
| Noninterest expense to average assets | 3.6823% | 1,011 |
| Loan and lease loss provision to assets | 0.0085% | 3,941 |
| Net operating income to assets | 0.9777% | 2,507 |
| Return on assets (ROA) | 0.9897% | 2,550 |
| Pretax return on assets | 1.5342% | 1,542 |
| Return on Equity (ROE) | 8.8494% | 2,634 |
| Retained earnings to average equity (ytd only) | -9.2678% | 6,163 |
| Net charge-offs to loans | -0.4902% | 6,201 |
| Credit loss provision to net charge-offs | -3.7267% | 4,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7244% | 3,209 |
| Assets per employee ($millions) | 3.1929% | 5,352 |
| Cash dividends to net income (ytd only)* | 204.7278% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9154% | 293 |
| Loan loss allowance to noncurrent loans | 95.1973% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 2.1392% | 991 |
| Noncurrent loans to loans | 3.0625% | 642 |
| Net loans and leases to total assets | 48.5589% | 5,049 |
| Net loans and leases to deposits | 54.5708% | 5,218 |
| Net loans and leases to core deposits | 61.1095% | 4,998 |
| Total domestic deposits to total assets | 88.9834% | 1,153 |
| Equity capital to assets | 10.7952% | 3,112 |
| Core capital (leverage) ratio | 10.9061% | 2,512 |
| Tier 1 risk-based capital ratio | 18.7653% | 1,850 |
| Total risk-based capital ratio | 20.0294% | 1,815 |
| Memoranda: | ||
| Average total assets | $141,055,000 | 3,768 |
| Average earning assets | $125,125,330 | 3,860 |
| Average equity | $15,775,000 | 3,761 |
| Average total loans | $65,693,670 | 4,283 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1622% | 2,597 |
| Cost of funding earning assets | 0.1862% | 5,636 |
| Net interest margin | 3.9760% | 1,638 |
| Noninterest income to average assets | 1.5252% | 527 |
| Noninterest expense to average assets | 3.5484% | 1,214 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9571% | 2,463 |
| Return on assets (ROA) | 0.9571% | 2,599 |
| Pretax return on assets | 1.5028% | 1,563 |
| Return on Equity (ROE) | 8.4174% | 2,740 |
| Retained earnings to average equity (ytd only) | 5.9562% | 2,529 |
| Net charge-offs to loans | -0.5794% | 6,261 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2493% | 3,438 |
| Assets per employee ($millions) | 3.2475% | 5,327 |
| Cash dividends to net income (ytd only)* | 29.2398% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9374% | 319 |
| Loan loss allowance to noncurrent loans | 78.7260% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 2.3193% | 958 |
| Noncurrent loans to loans | 3.7312% | 488 |
| Net loans and leases to total assets | 44.5853% | 5,301 |
| Net loans and leases to deposits | 50.5687% | 5,419 |
| Net loans and leases to core deposits | 58.0610% | 5,120 |
| Total domestic deposits to total assets | 88.1678% | 1,723 |
| Equity capital to assets | 11.5879% | 2,385 |
| Core capital (leverage) ratio | 11.5187% | 1,993 |
| Tier 1 risk-based capital ratio | 19.7838% | 1,672 |
| Total risk-based capital ratio | 21.0466% | 1,633 |
| Memoranda: | ||
| Average total assets | $142,936,000 | 3,761 |
| Average earning assets | $126,760,500 | 3,852 |
| Average equity | $16,252,000 | 3,709 |
| Average total loans | $64,205,500 | 4,359 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1074% | 3,297 |
| Cost of funding earning assets | 0.2306% | 5,514 |
| Net interest margin | 3.8768% | 2,332 |
| Noninterest income to average assets | 1.7481% | 421 |
| Noninterest expense to average assets | 3.7680% | 1,037 |
| Loan and lease loss provision to assets | 0.0156% | 4,298 |
| Net operating income to assets | 0.7920% | 3,417 |
| Return on assets (ROA) | 0.8142% | 3,391 |
| Pretax return on assets | 1.3077% | 2,216 |
| Return on Equity (ROE) | 7.6464% | 3,301 |
| Retained earnings to average equity (ytd only) | 3.3910% | 3,801 |
| Net charge-offs to loans | -0.1234% | 6,167 |
| Credit loss provision to net charge-offs | -30.1370% | 5,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5169% | 2,748 |
| Assets per employee ($millions) | 3.2496% | 5,350 |
| Cash dividends to net income (ytd only)* | 55.6522% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9231% | 324 |
| Loan loss allowance to noncurrent loans | 141.5895% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 2.5345% | 904 |
| Noncurrent loans to loans | 2.0645% | 1,327 |
| Net loans and leases to total assets | 42.6202% | 5,572 |
| Net loans and leases to deposits | 48.1085% | 5,680 |
| Net loans and leases to core deposits | 55.8238% | 5,397 |
| Total domestic deposits to total assets | 88.5917% | 1,471 |
| Equity capital to assets | 11.1537% | 2,745 |
| Core capital (leverage) ratio | 11.1094% | 2,305 |
| Tier 1 risk-based capital ratio | 20.0562% | 1,596 |
| Total risk-based capital ratio | 21.3190% | 1,555 |
| Memoranda: | ||
| Average total assets | $141,241,200 | 3,775 |
| Average earning assets | $120,538,400 | 3,952 |
| Average equity | $15,039,800 | 3,826 |
| Average total loans | $59,158,800 | 4,514 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1273% | 3,261 |
| Cost of funding earning assets | 0.2396% | 5,519 |
| Net interest margin | 3.8878% | 2,291 |
| Noninterest income to average assets | 1.8664% | 389 |
| Noninterest expense to average assets | 3.7621% | 1,021 |
| Loan and lease loss provision to assets | 0.0151% | 4,111 |
| Net operating income to assets | 0.8584% | 3,132 |
| Return on assets (ROA) | 0.8863% | 3,081 |
| Pretax return on assets | 1.4213% | 1,925 |
| Return on Equity (ROE) | 8.4250% | 2,977 |
| Retained earnings to average equity (ytd only) | 8.4250% | 1,179 |
| Net charge-offs to loans | 0.3136% | 1,271 |
| Credit loss provision to net charge-offs | 11.6788% | 3,683 |
| Earnings coverage of net charge-offs (x) | 10.7373% | 2,510 |
| Efficiency ratio | 72.9794% | 3,005 |
| Assets per employee ($millions) | 3.1919% | 5,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6669% | 513 |
| Loan loss allowance to noncurrent loans | 103.6515% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 2.8915% | 832 |
| Noncurrent loans to loans | 2.5729% | 1,126 |
| Net loans and leases to total assets | 42.0467% | 5,667 |
| Net loans and leases to deposits | 47.7670% | 5,776 |
| Net loans and leases to core deposits | 53.6246% | 5,588 |
| Total domestic deposits to total assets | 88.0244% | 1,754 |
| Equity capital to assets | 11.2928% | 2,663 |
| Core capital (leverage) ratio | 11.9274% | 1,740 |
| Tier 1 risk-based capital ratio | 20.6153% | 1,524 |
| Total risk-based capital ratio | 21.8753% | 1,488 |
| Memoranda: | ||
| Average total assets | $140,805,500 | 3,811 |
| Average earning assets | $119,105,250 | 4,010 |
| Average equity | $14,812,750 | 3,892 |
| Average total loans | $58,254,750 | 4,580 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1010% | 3,337 |
| Cost of funding earning assets | 0.2527% | 5,457 |
| Net interest margin | 3.8483% | 2,379 |
| Noninterest income to average assets | 1.6604% | 468 |
| Noninterest expense to average assets | 3.8006% | 972 |
| Loan and lease loss provision to assets | 0.0085% | 4,064 |
| Net operating income to assets | 0.6744% | 3,967 |
| Return on assets (ROA) | 0.7153% | 3,854 |
| Pretax return on assets | 1.1353% | 2,950 |
| Return on Equity (ROE) | 6.9692% | 3,637 |
| Retained earnings to average equity (ytd only) | 6.9692% | 1,792 |
| Net charge-offs to loans | 0.9086% | 398 |
| Credit loss provision to net charge-offs | 2.2989% | 3,384 |
| Earnings coverage of net charge-offs (x) | 2.9157% | 3,435 |
| Efficiency ratio | 77.8715% | 2,310 |
| Assets per employee ($millions) | 3.1973% | 5,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4995% | 712 |
| Loan loss allowance to noncurrent loans | 106.6810% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 3.5164% | 658 |
| Noncurrent loans to loans | 2.3430% | 1,368 |
| Net loans and leases to total assets | 41.1751% | 5,735 |
| Net loans and leases to deposits | 46.6946% | 5,844 |
| Net loans and leases to core deposits | 52.2011% | 5,656 |
| Total domestic deposits to total assets | 88.1797% | 1,806 |
| Equity capital to assets | 10.8770% | 3,005 |
| Core capital (leverage) ratio | 11.0976% | 2,335 |
| Tier 1 risk-based capital ratio | 19.5927% | 1,789 |
| Total risk-based capital ratio | 20.8490% | 1,757 |
| Memoranda: | ||
| Average total assets | $140,926,000 | 3,832 |
| Average earning assets | $117,922,670 | 4,067 |
| Average equity | $14,463,670 | 3,956 |
| Average total loans | $57,449,670 | 4,640 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9424% | 3,920 |
| Cost of funding earning assets | 0.2683% | 5,402 |
| Net interest margin | 3.6740% | 2,974 |
| Noninterest income to average assets | 1.5881% | 481 |
| Noninterest expense to average assets | 3.7774% | 1,021 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5372% | 4,515 |
| Return on assets (ROA) | 0.5445% | 4,551 |
| Pretax return on assets | 0.8508% | 3,898 |
| Return on Equity (ROE) | 5.4683% | 4,292 |
| Retained earnings to average equity (ytd only) | 5.4683% | 2,803 |
| Net charge-offs to loans | -0.6092% | 6,577 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8182% | 1,950 |
| Assets per employee ($millions) | 3.1878% | 5,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3059% | 323 |
| Loan loss allowance to noncurrent loans | 99.3468% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 3.8933% | 627 |
| Noncurrent loans to loans | 3.3277% | 913 |
| Net loans and leases to total assets | 37.2104% | 6,004 |
| Net loans and leases to deposits | 41.6678% | 6,094 |
| Net loans and leases to core deposits | 45.8169% | 6,004 |
| Total domestic deposits to total assets | 89.3023% | 1,470 |
| Equity capital to assets | 10.0068% | 3,834 |
| Core capital (leverage) ratio | 10.7629% | 2,637 |
| Tier 1 risk-based capital ratio | 19.1833% | 1,911 |
| Total risk-based capital ratio | 20.4473% | 1,871 |
| Memoranda: | ||
| Average total assets | $141,048,000 | 3,862 |
| Average earning assets | $116,275,500 | 4,133 |
| Average equity | $14,044,500 | 4,040 |
| Average total loans | $56,469,000 | 4,709 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3080% | 2,930 |
| Cost of funding earning assets | 0.3635% | 5,017 |
| Net interest margin | 3.9446% | 2,121 |
| Noninterest income to average assets | 1.6733% | 517 |
| Noninterest expense to average assets | 4.1432% | 739 |
| Loan and lease loss provision to assets | 0.5432% | 493 |
| Net operating income to assets | 0.1834% | 5,871 |
| Return on assets (ROA) | 0.2059% | 5,877 |
| Pretax return on assets | 0.3088% | 5,709 |
| Return on Equity (ROE) | 1.9479% | 5,858 |
| Retained earnings to average equity (ytd only) | 1.9479% | 4,848 |
| Net charge-offs to loans | 2.3544% | 130 |
| Credit loss provision to net charge-offs | 48.7869% | 3,844 |
| Earnings coverage of net charge-offs (x) | 0.7351% | 4,846 |
| Efficiency ratio | 83.5050% | 1,686 |
| Assets per employee ($millions) | 3.1510% | 5,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0121% | 460 |
| Loan loss allowance to noncurrent loans | 51.6944% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 5.2234% | 439 |
| Noncurrent loans to loans | 5.8267% | 364 |
| Net loans and leases to total assets | 40.3876% | 5,933 |
| Net loans and leases to deposits | 45.2935% | 6,058 |
| Net loans and leases to core deposits | 49.0148% | 5,986 |
| Total domestic deposits to total assets | 89.1687% | 1,506 |
| Equity capital to assets | 9.9059% | 3,894 |
| Core capital (leverage) ratio | 10.7989% | 2,577 |
| Tier 1 risk-based capital ratio | 19.0053% | 1,917 |
| Total risk-based capital ratio | 20.2643% | 1,878 |
| Memoranda: | ||
| Average total assets | $136,972,800 | 3,934 |
| Average earning assets | $114,182,000 | 4,180 |
| Average equity | $14,477,200 | 3,971 |
| Average total loans | $64,773,600 | 4,452 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2598% | 3,155 |
| Cost of funding earning assets | 0.3817% | 4,985 |
| Net interest margin | 3.8781% | 2,350 |
| Noninterest income to average assets | 1.7204% | 519 |
| Noninterest expense to average assets | 4.2990% | 634 |
| Loan and lease loss provision to assets | 0.7264% | 299 |
| Net operating income to assets | 0.0166% | 6,274 |
| Return on assets (ROA) | 0.0615% | 6,256 |
| Pretax return on assets | 0.0234% | 6,300 |
| Return on Equity (ROE) | 0.5729% | 6,258 |
| Retained earnings to average equity (ytd only) | 0.5729% | 5,740 |
| Net charge-offs to loans | 2.8536% | 84 |
| Credit loss provision to net charge-offs | 52.2472% | 3,452 |
| Earnings coverage of net charge-offs (x) | 0.5070% | 4,695 |
| Efficiency ratio | 85.9122% | 1,367 |
| Assets per employee ($millions) | 2.7550% | 6,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1071% | 492 |
| Loan loss allowance to noncurrent loans | 47.7314% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 5.9717% | 410 |
| Noncurrent loans to loans | 6.5095% | 350 |
| Net loans and leases to total assets | 43.4142% | 5,779 |
| Net loans and leases to deposits | 49.1032% | 5,897 |
| Net loans and leases to core deposits | 51.4698% | 5,920 |
| Total domestic deposits to total assets | 88.4142% | 1,886 |
| Equity capital to assets | 10.4189% | 3,372 |
| Core capital (leverage) ratio | 10.8150% | 2,657 |
| Tier 1 risk-based capital ratio | 17.7969% | 2,405 |
| Total risk-based capital ratio | 19.0721% | 2,358 |
| Memoranda: | ||
| Average total assets | $136,555,000 | 3,984 |
| Average earning assets | $115,621,750 | 4,187 |
| Average equity | $14,663,000 | 3,978 |
| Average total loans | $66,533,500 | 4,429 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2479% | 3,163 |
| Cost of funding earning assets | 0.4059% | 4,884 |
| Net interest margin | 3.8421% | 2,404 |
| Noninterest income to average assets | 1.8117% | 512 |
| Noninterest expense to average assets | 4.3133% | 618 |
| Loan and lease loss provision to assets | 0.4942% | 557 |
| Net operating income to assets | 0.1881% | 5,935 |
| Return on assets (ROA) | 0.2348% | 5,935 |
| Pretax return on assets | 0.3362% | 5,785 |
| Return on Equity (ROE) | 2.1661% | 5,900 |
| Retained earnings to average equity (ytd only) | 2.1661% | 4,898 |
| Net charge-offs to loans | 3.9675% | 57 |
| Credit loss provision to net charge-offs | 24.9269% | 3,665 |
| Earnings coverage of net charge-offs (x) | 0.3852% | 4,409 |
| Efficiency ratio | 84.9558% | 1,536 |
| Assets per employee ($millions) | 2.6817% | 6,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3485% | 1,171 |
| Loan loss allowance to noncurrent loans | 29.0888% | 6,052 |
| Noncurrent assets plus other real estate owned to assets | 6.4936% | 391 |
| Noncurrent loans to loans | 8.0736% | 253 |
| Net loans and leases to total assets | 46.3296% | 5,497 |
| Net loans and leases to deposits | 52.4773% | 5,646 |
| Net loans and leases to core deposits | 55.5838% | 5,634 |
| Total domestic deposits to total assets | 88.2850% | 2,055 |
| Equity capital to assets | 10.5254% | 3,264 |
| Core capital (leverage) ratio | 10.4748% | 2,911 |
| Tier 1 risk-based capital ratio | 17.2429% | 2,616 |
| Total risk-based capital ratio | 18.5112% | 2,582 |
| Memoranda: | ||
| Average total assets | $137,993,330 | 3,987 |
| Average earning assets | $117,280,330 | 4,172 |
| Average equity | $14,958,000 | 3,953 |
| Average total loans | $68,960,670 | 4,348 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2320% | 3,178 |
| Cost of funding earning assets | 0.4373% | 4,732 |
| Net interest margin | 3.7946% | 2,470 |
| Noninterest income to average assets | 1.6949% | 547 |
| Noninterest expense to average assets | 4.1330% | 770 |
| Loan and lease loss provision to assets | 0.9518% | 193 |
| Net operating income to assets | -0.0473% | 6,397 |
| Return on assets (ROA) | -0.0400% | 6,446 |
| Pretax return on assets | -0.1543% | 6,521 |
| Return on Equity (ROE) | -0.3641% | 6,450 |
| Retained earnings to average equity (ytd only) | -0.3641% | 5,846 |
| Net charge-offs to loans | 0.1396% | 2,570 |
| Credit loss provision to net charge-offs | 1,332.0000% | 246 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 1,692 |
| Efficiency ratio | 84.0209% | 1,764 |
| Assets per employee ($millions) | 2.9000% | 6,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2235% | 241 |
| Loan loss allowance to noncurrent loans | 37.7049% | 5,701 |
| Noncurrent assets plus other real estate owned to assets | 8.3226% | 292 |
| Noncurrent loans to loans | 11.2013% | 164 |
| Net loans and leases to total assets | 46.0876% | 5,430 |
| Net loans and leases to deposits | 52.4657% | 5,580 |
| Net loans and leases to core deposits | 56.6201% | 5,462 |
| Total domestic deposits to total assets | 87.8434% | 2,419 |
| Equity capital to assets | 11.0029% | 2,955 |
| Core capital (leverage) ratio | 10.2382% | 3,097 |
| Tier 1 risk-based capital ratio | 16.9654% | 2,766 |
| Total risk-based capital ratio | 18.2527% | 2,722 |
| Memoranda: | ||
| Average total assets | $139,947,500 | 3,988 |
| Average earning assets | $118,904,500 | 4,178 |
| Average equity | $15,380,500 | 3,925 |
| Average total loans | $71,633,500 | 4,285 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0289% | 1,481 |
| Cost of funding earning assets | 0.5530% | 4,790 |
| Net interest margin | 4.4759% | 987 |
| Noninterest income to average assets | 1.5569% | 648 |
| Noninterest expense to average assets | 4.2281% | 742 |
| Loan and lease loss provision to assets | 1.7280% | 153 |
| Net operating income to assets | -0.3075% | 6,448 |
| Return on assets (ROA) | -0.0750% | 6,370 |
| Pretax return on assets | -0.1992% | 6,427 |
| Return on Equity (ROE) | -0.6767% | 6,364 |
| Retained earnings to average equity (ytd only) | -0.6767% | 5,970 |
| Net charge-offs to loans | 2.9588% | 177 |
| Credit loss provision to net charge-offs | 102.5385% | 2,932 |
| Earnings coverage of net charge-offs (x) | 0.6916% | 5,140 |
| Efficiency ratio | 78.3903% | 2,375 |
| Assets per employee ($millions) | 2.7587% | 6,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3048% | 504 |
| Loan loss allowance to noncurrent loans | 38.3422% | 5,699 |
| Noncurrent assets plus other real estate owned to assets | 7.1005% | 432 |
| Noncurrent loans to loans | 8.6191% | 317 |
| Net loans and leases to total assets | 52.4276% | 4,855 |
| Net loans and leases to deposits | 60.3744% | 4,987 |
| Net loans and leases to core deposits | 65.4362% | 4,797 |
| Total domestic deposits to total assets | 86.8375% | 2,919 |
| Equity capital to assets | 10.9776% | 2,976 |
| Core capital (leverage) ratio | 10.0274% | 3,360 |
| Tier 1 risk-based capital ratio | 15.4192% | 3,476 |
| Total risk-based capital ratio | 16.6974% | 3,423 |
| Memoranda: | ||
| Average total assets | $142,592,600 | 3,906 |
| Average earning assets | $122,232,400 | 4,064 |
| Average equity | $15,812,800 | 3,806 |
| Average total loans | $81,214,400 | 4,001 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1241% | 1,370 |
| Cost of funding earning assets | 0.5837% | 4,803 |
| Net interest margin | 4.5404% | 918 |
| Noninterest income to average assets | 1.6085% | 574 |
| Noninterest expense to average assets | 4.0931% | 835 |
| Loan and lease loss provision to assets | 1.9450% | 131 |
| Net operating income to assets | -0.5293% | 6,711 |
| Return on assets (ROA) | -0.2526% | 6,601 |
| Pretax return on assets | -0.2526% | 6,569 |
| Return on Equity (ROE) | -2.2718% | 6,589 |
| Retained earnings to average equity (ytd only) | -2.2718% | 6,425 |
| Net charge-offs to loans | 2.2770% | 290 |
| Credit loss provision to net charge-offs | 148.2244% | 1,915 |
| Earnings coverage of net charge-offs (x) | 1.0788% | 4,769 |
| Efficiency ratio | 74.3021% | 2,933 |
| Assets per employee ($millions) | 2.7264% | 6,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0237% | 302 |
| Loan loss allowance to noncurrent loans | 60.3886% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 7.2366% | 486 |
| Noncurrent loans to loans | 6.6631% | 567 |
| Net loans and leases to total assets | 53.8484% | 4,770 |
| Net loans and leases to deposits | 62.2122% | 4,948 |
| Net loans and leases to core deposits | 65.1523% | 5,039 |
| Total domestic deposits to total assets | 86.5561% | 2,943 |
| Equity capital to assets | 11.3079% | 2,928 |
| Core capital (leverage) ratio | 10.8624% | 2,534 |
| Tier 1 risk-based capital ratio | 15.9451% | 3,293 |
| Total risk-based capital ratio | 17.2093% | 3,258 |
| Memoranda: | ||
| Average total assets | $143,067,000 | 3,938 |
| Average earning assets | $122,894,500 | 4,080 |
| Average equity | $15,904,750 | 3,832 |
| Average total loans | $82,447,000 | 4,008 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0996% | 1,500 |
| Cost of funding earning assets | 0.6278% | 4,653 |
| Net interest margin | 4.4718% | 1,042 |
| Noninterest income to average assets | 1.7741% | 491 |
| Noninterest expense to average assets | 4.2144% | 716 |
| Loan and lease loss provision to assets | 1.9750% | 150 |
| Net operating income to assets | -0.5581% | 6,761 |
| Return on assets (ROA) | -0.1468% | 6,578 |
| Pretax return on assets | -0.1468% | 6,553 |
| Return on Equity (ROE) | -1.3279% | 6,567 |
| Retained earnings to average equity (ytd only) | -1.3279% | 6,257 |
| Net charge-offs to loans | 3.3482% | 165 |
| Credit loss provision to net charge-offs | 101.4947% | 2,679 |
| Earnings coverage of net charge-offs (x) | 0.7281% | 4,686 |
| Efficiency ratio | 74.8401% | 2,929 |
| Assets per employee ($millions) | 2.8348% | 6,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0613% | 734 |
| Loan loss allowance to noncurrent loans | 52.3528% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 7.0191% | 556 |
| Noncurrent loans to loans | 5.8474% | 774 |
| Net loans and leases to total assets | 55.4272% | 4,558 |
| Net loans and leases to deposits | 63.7785% | 4,793 |
| Net loans and leases to core deposits | 67.2813% | 4,867 |
| Total domestic deposits to total assets | 86.9057% | 2,828 |
| Equity capital to assets | 11.0815% | 3,036 |
| Core capital (leverage) ratio | 10.6437% | 2,669 |
| Tier 1 risk-based capital ratio | 15.6496% | 3,361 |
| Total risk-based capital ratio | 16.9095% | 3,320 |
| Memoranda: | ||
| Average total assets | $144,408,000 | 3,932 |
| Average earning assets | $124,559,330 | 4,066 |
| Average equity | $15,965,330 | 3,807 |
| Average total loans | $83,925,330 | 3,981 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0099% | 1,853 |
| Cost of funding earning assets | 0.6809% | 4,452 |
| Net interest margin | 4.3291% | 1,380 |
| Noninterest income to average assets | 1.5809% | 578 |
| Noninterest expense to average assets | 3.7052% | 1,366 |
| Loan and lease loss provision to assets | 0.5709% | 1,014 |
| Net operating income to assets | 0.8995% | 2,917 |
| Return on assets (ROA) | 1.3778% | 1,410 |
| Pretax return on assets | 1.6193% | 1,507 |
| Return on Equity (ROE) | 12.4763% | 1,534 |
| Retained earnings to average equity (ytd only) | 12.4763% | 752 |
| Net charge-offs to loans | 1.7525% | 545 |
| Credit loss provision to net charge-offs | 55.6150% | 3,189 |
| Earnings coverage of net charge-offs (x) | 1.5856% | 3,537 |
| Efficiency ratio | 69.4802% | 3,904 |
| Assets per employee ($millions) | 3.0934% | 5,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7556% | 1,050 |
| Loan loss allowance to noncurrent loans | 34.6630% | 5,930 |
| Noncurrent assets plus other real estate owned to assets | 7.3113% | 563 |
| Noncurrent loans to loans | 7.9496% | 492 |
| Net loans and leases to total assets | 54.5218% | 4,632 |
| Net loans and leases to deposits | 62.5908% | 4,827 |
| Net loans and leases to core deposits | 67.8680% | 4,696 |
| Total domestic deposits to total assets | 87.1082% | 2,897 |
| Equity capital to assets | 10.9475% | 2,965 |
| Core capital (leverage) ratio | 10.9569% | 2,292 |
| Tier 1 risk-based capital ratio | 16.0228% | 3,166 |
| Total risk-based capital ratio | 17.2800% | 3,126 |
| Memoranda: | ||
| Average total assets | $145,741,500 | 3,942 |
| Average earning assets | $126,309,000 | 4,054 |
| Average equity | $16,094,500 | 3,798 |
| Average total loans | $85,366,000 | 3,961 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3001% | 1,697 |
| Cost of funding earning assets | 0.8076% | 4,813 |
| Net interest margin | 4.4925% | 1,154 |
| Noninterest income to average assets | 1.5303% | 562 |
| Noninterest expense to average assets | 4.0733% | 934 |
| Loan and lease loss provision to assets | 1.4965% | 495 |
| Net operating income to assets | -0.0871% | 6,153 |
| Return on assets (ROA) | 0.1396% | 5,899 |
| Pretax return on assets | 0.1362% | 5,908 |
| Return on Equity (ROE) | 1.3249% | 5,884 |
| Retained earnings to average equity (ytd only) | 0.9379% | 5,422 |
| Net charge-offs to loans | 3.0478% | 312 |
| Credit loss provision to net charge-offs | 78.3002% | 4,535 |
| Earnings coverage of net charge-offs (x) | 0.7356% | 5,256 |
| Efficiency ratio | 74.3409% | 3,170 |
| Assets per employee ($millions) | 2.8039% | 6,451 |
| Cash dividends to net income (ytd only)* | 29.2079% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8120% | 966 |
| Loan loss allowance to noncurrent loans | 28.5714% | 6,275 |
| Noncurrent assets plus other real estate owned to assets | 8.1929% | 481 |
| Noncurrent loans to loans | 9.8419% | 334 |
| Net loans and leases to total assets | 59.4562% | 4,096 |
| Net loans and leases to deposits | 69.0167% | 4,273 |
| Net loans and leases to core deposits | 75.6022% | 4,038 |
| Total domestic deposits to total assets | 86.1476% | 3,231 |
| Equity capital to assets | 11.1426% | 2,851 |
| Core capital (leverage) ratio | 10.7249% | 2,503 |
| Tier 1 risk-based capital ratio | 15.9155% | 3,084 |
| Total risk-based capital ratio | 17.1780% | 3,043 |
| Memoranda: | ||
| Average total assets | $144,673,200 | 3,894 |
| Average earning assets | $127,168,000 | 3,991 |
| Average equity | $15,246,600 | 3,857 |
| Average total loans | $90,720,600 | 3,833 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2758% | 1,954 |
| Cost of funding earning assets | 0.8387% | 4,866 |
| Net interest margin | 4.4371% | 1,300 |
| Noninterest income to average assets | 1.6100% | 511 |
| Noninterest expense to average assets | 4.0737% | 921 |
| Loan and lease loss provision to assets | 1.7414% | 354 |
| Net operating income to assets | -0.1859% | 6,369 |
| Return on assets (ROA) | -0.0901% | 6,360 |
| Pretax return on assets | -0.1415% | 6,367 |
| Return on Equity (ROE) | -0.8667% | 6,361 |
| Retained earnings to average equity (ytd only) | -1.3886% | 6,216 |
| Net charge-offs to loans | 4.0088% | 164 |
| Credit loss provision to net charge-offs | 68.8590% | 4,520 |
| Earnings coverage of net charge-offs (x) | 0.5734% | 5,192 |
| Efficiency ratio | 73.7481% | 3,230 |
| Assets per employee ($millions) | 2.8490% | 6,401 |
| Cash dividends to net income (ytd only)* | -60.2021% | 7,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5517% | 1,325 |
| Loan loss allowance to noncurrent loans | 25.1140% | 6,483 |
| Noncurrent assets plus other real estate owned to assets | 8.9405% | 450 |
| Noncurrent loans to loans | 10.1603% | 348 |
| Net loans and leases to total assets | 60.2672% | 4,084 |
| Net loans and leases to deposits | 69.9424% | 4,310 |
| Net loans and leases to core deposits | 76.4908% | 4,134 |
| Total domestic deposits to total assets | 86.1669% | 3,115 |
| Equity capital to assets | 11.0072% | 3,138 |
| Core capital (leverage) ratio | 10.3211% | 3,065 |
| Tier 1 risk-based capital ratio | 15.2382% | 3,527 |
| Total risk-based capital ratio | 16.5003% | 3,482 |
| Memoranda: | ||
| Average total assets | $145,091,250 | 3,909 |
| Average earning assets | $127,977,250 | 3,995 |
| Average equity | $15,074,750 | 3,900 |
| Average total loans | $91,530,000 | 3,853 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0130% | 3,097 |
| Cost of funding earning assets | 0.8672% | 4,928 |
| Net interest margin | 4.1458% | 2,244 |
| Noninterest income to average assets | 1.5900% | 514 |
| Noninterest expense to average assets | 3.9994% | 1,056 |
| Loan and lease loss provision to assets | 2.5796% | 199 |
| Net operating income to assets | -0.8139% | 6,877 |
| Return on assets (ROA) | -0.6902% | 6,817 |
| Pretax return on assets | -1.1190% | 6,936 |
| Return on Equity (ROE) | -6.7701% | 6,816 |
| Retained earnings to average equity (ytd only) | -7.5579% | 6,745 |
| Net charge-offs to loans | 5.4771% | 103 |
| Credit loss provision to net charge-offs | 74.1973% | 3,939 |
| Earnings coverage of net charge-offs (x) | 0.3645% | 5,033 |
| Efficiency ratio | 75.9369% | 3,019 |
| Assets per employee ($millions) | 2.8574% | 6,371 |
| Cash dividends to net income (ytd only)* | -11.6371% | 7,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6780% | 1,202 |
| Loan loss allowance to noncurrent loans | 23.6505% | 6,590 |
| Noncurrent assets plus other real estate owned to assets | 9.4962% | 432 |
| Noncurrent loans to loans | 11.3234% | 298 |
| Net loans and leases to total assets | 61.0732% | 4,074 |
| Net loans and leases to deposits | 70.4798% | 4,372 |
| Net loans and leases to core deposits | 78.6214% | 3,982 |
| Total domestic deposits to total assets | 86.6534% | 2,956 |
| Equity capital to assets | 10.2696% | 3,791 |
| Core capital (leverage) ratio | 9.7390% | 3,618 |
| Tier 1 risk-based capital ratio | 14.2972% | 3,942 |
| Total risk-based capital ratio | 15.5614% | 3,904 |
| Memoranda: | ||
| Average total assets | $146,921,670 | 3,901 |
| Average earning assets | $130,300,000 | 3,977 |
| Average equity | $14,977,670 | 3,908 |
| Average total loans | $93,261,330 | 3,856 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7784% | 4,158 |
| Cost of funding earning assets | 0.8873% | 5,015 |
| Net interest margin | 3.8911% | 3,186 |
| Noninterest income to average assets | 1.5254% | 561 |
| Noninterest expense to average assets | 3.8752% | 1,211 |
| Loan and lease loss provision to assets | 1.0876% | 672 |
| Net operating income to assets | 0.0447% | 6,246 |
| Return on assets (ROA) | 0.2524% | 5,671 |
| Pretax return on assets | 0.2766% | 5,721 |
| Return on Equity (ROE) | 2.4850% | 5,602 |
| Retained earnings to average equity (ytd only) | 0.9253% | 5,459 |
| Net charge-offs to loans | 1.2455% | 1,117 |
| Credit loss provision to net charge-offs | 136.8243% | 2,040 |
| Earnings coverage of net charge-offs (x) | 1.4291% | 3,634 |
| Efficiency ratio | 77.3312% | 2,938 |
| Assets per employee ($millions) | 2.9619% | 6,215 |
| Cash dividends to net income (ytd only)* | 62.7660% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3522% | 687 |
| Loan loss allowance to noncurrent loans | 29.0016% | 6,356 |
| Noncurrent assets plus other real estate owned to assets | 8.4149% | 538 |
| Noncurrent loans to loans | 11.5588% | 305 |
| Net loans and leases to total assets | 61.6939% | 3,923 |
| Net loans and leases to deposits | 71.0542% | 4,191 |
| Net loans and leases to core deposits | 88.2566% | 2,566 |
| Total domestic deposits to total assets | 86.8266% | 3,035 |
| Equity capital to assets | 10.1989% | 3,541 |
| Core capital (leverage) ratio | 9.9264% | 3,233 |
| Tier 1 risk-based capital ratio | 14.2909% | 3,878 |
| Total risk-based capital ratio | 15.5592% | 3,823 |
| Memoranda: | ||
| Average total assets | $148,948,500 | 3,895 |
| Average earning assets | $133,434,000 | 3,946 |
| Average equity | $15,130,500 | 3,876 |
| Average total loans | $95,064,500 | 3,855 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8093% | 1,256 |
| Cost of funding earning assets | 1.1131% | 5,065 |
| Net interest margin | 4.6961% | 825 |
| Noninterest income to average assets | 1.4217% | 714 |
| Noninterest expense to average assets | 3.7345% | 1,619 |
| Loan and lease loss provision to assets | 2.9170% | 340 |
| Net operating income to assets | -0.5675% | 6,430 |
| Return on assets (ROA) | -0.5496% | 6,448 |
| Pretax return on assets | -0.9577% | 6,612 |
| Return on Equity (ROE) | -5.1973% | 6,450 |
| Retained earnings to average equity (ytd only) | -9.1944% | 6,611 |
| Net charge-offs to loans | 3.3429% | 452 |
| Credit loss provision to net charge-offs | 133.1017% | 2,944 |
| Earnings coverage of net charge-offs (x) | 0.8813% | 5,244 |
| Efficiency ratio | 65.9124% | 4,985 |
| Assets per employee ($millions) | 3.0572% | 5,981 |
| Cash dividends to net income (ytd only)* | -76.9053% | 7,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2010% | 736 |
| Loan loss allowance to noncurrent loans | 41.2288% | 5,556 |
| Noncurrent assets plus other real estate owned to assets | 5.9872% | 994 |
| Noncurrent loans to loans | 7.7640% | 679 |
| Net loans and leases to total assets | 61.7711% | 4,328 |
| Net loans and leases to deposits | 71.7776% | 4,556 |
| Net loans and leases to core deposits | 91.2952% | 2,574 |
| Total domestic deposits to total assets | 86.0590% | 3,328 |
| Equity capital to assets | 10.1180% | 3,592 |
| Core capital (leverage) ratio | 9.1481% | 4,265 |
| Tier 1 risk-based capital ratio | 14.1084% | 3,800 |
| Total risk-based capital ratio | 15.3814% | 3,738 |
| Memoranda: | ||
| Average total assets | $157,558,000 | 3,746 |
| Average earning assets | $142,393,400 | 3,772 |
| Average equity | $16,662,400 | 3,650 |
| Average total loans | $103,294,400 | 3,699 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8266% | 1,324 |
| Cost of funding earning assets | 1.1345% | 5,227 |
| Net interest margin | 4.6921% | 859 |
| Noninterest income to average assets | 1.3751% | 716 |
| Noninterest expense to average assets | 3.6723% | 1,630 |
| Loan and lease loss provision to assets | 1.4420% | 933 |
| Net operating income to assets | 0.4448% | 4,566 |
| Return on assets (ROA) | 0.4757% | 4,613 |
| Pretax return on assets | 0.5417% | 4,791 |
| Return on Equity (ROE) | 4.4525% | 4,577 |
| Retained earnings to average equity (ytd only) | 0.6729% | 5,534 |
| Net charge-offs to loans | 1.5345% | 1,309 |
| Credit loss provision to net charge-offs | 142.4443% | 2,774 |
| Earnings coverage of net charge-offs (x) | 1.9248% | 4,265 |
| Efficiency ratio | 65.3331% | 4,995 |
| Assets per employee ($millions) | 3.1602% | 5,781 |
| Cash dividends to net income (ytd only)* | 84.8850% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3440% | 1,559 |
| Loan loss allowance to noncurrent loans | 45.2363% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 4.6010% | 1,465 |
| Noncurrent loans to loans | 5.1817% | 1,316 |
| Net loans and leases to total assets | 64.0976% | 4,100 |
| Net loans and leases to deposits | 75.2625% | 4,303 |
| Net loans and leases to core deposits | 113.2240% | 876 |
| Total domestic deposits to total assets | 85.1654% | 3,535 |
| Equity capital to assets | 10.8886% | 3,071 |
| Core capital (leverage) ratio | 10.3207% | 2,888 |
| Tier 1 risk-based capital ratio | 14.4623% | 3,526 |
| Total risk-based capital ratio | 15.7236% | 3,493 |
| Memoranda: | ||
| Average total assets | $159,496,750 | 3,765 |
| Average earning assets | $144,323,250 | 3,782 |
| Average equity | $17,038,750 | 3,634 |
| Average total loans | $105,219,250 | 3,700 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7786% | 1,485 |
| Cost of funding earning assets | 1.1764% | 5,259 |
| Net interest margin | 4.6022% | 989 |
| Noninterest income to average assets | 1.4826% | 582 |
| Noninterest expense to average assets | 3.5302% | 1,959 |
| Loan and lease loss provision to assets | 1.2951% | 1,064 |
| Net operating income to assets | 0.5688% | 4,004 |
| Return on assets (ROA) | 0.6050% | 3,994 |
| Pretax return on assets | 0.8813% | 3,572 |
| Return on Equity (ROE) | 5.6997% | 3,942 |
| Retained earnings to average equity (ytd only) | 2.1668% | 4,767 |
| Net charge-offs to loans | 2.1244% | 853 |
| Credit loss provision to net charge-offs | 92.2529% | 4,359 |
| Earnings coverage of net charge-offs (x) | 1.5129% | 4,355 |
| Efficiency ratio | 62.4364% | 5,620 |
| Assets per employee ($millions) | 2.9962% | 6,143 |
| Cash dividends to net income (ytd only)* | 61.9835% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7535% | 2,889 |
| Loan loss allowance to noncurrent loans | 77.3784% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 2.7487% | 2,632 |
| Noncurrent loans to loans | 2.2661% | 3,410 |
| Net loans and leases to total assets | 64.5674% | 4,143 |
| Net loans and leases to deposits | 76.1999% | 4,298 |
| Net loans and leases to core deposits | 115.6344% | 859 |
| Total domestic deposits to total assets | 84.7343% | 3,755 |
| Equity capital to assets | 10.8703% | 2,997 |
| Core capital (leverage) ratio | 10.2073% | 2,931 |
| Tier 1 risk-based capital ratio | 14.3491% | 3,518 |
| Total risk-based capital ratio | 15.6113% | 3,480 |
| Memoranda: | ||
| Average total assets | $159,992,670 | 3,794 |
| Average earning assets | $145,017,670 | 3,796 |
| Average equity | $16,983,330 | 3,634 |
| Average total loans | $105,722,000 | 3,729 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6872% | 1,820 |
| Cost of funding earning assets | 1.2269% | 5,248 |
| Net interest margin | 4.4603% | 1,232 |
| Noninterest income to average assets | 1.4447% | 574 |
| Noninterest expense to average assets | 3.3576% | 2,353 |
| Loan and lease loss provision to assets | 1.4272% | 833 |
| Net operating income to assets | 0.9341% | 2,416 |
| Return on assets (ROA) | 1.0362% | 2,110 |
| Pretax return on assets | 0.8095% | 3,825 |
| Return on Equity (ROE) | 9.8789% | 2,143 |
| Retained earnings to average equity (ytd only) | 9.8789% | 1,167 |
| Net charge-offs to loans | 0.0752% | 4,664 |
| Credit loss provision to net charge-offs | 2,865.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 42.8500% | 646 |
| Efficiency ratio | 61.1338% | 5,976 |
| Assets per employee ($millions) | 3.1194% | 5,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3624% | 1,472 |
| Loan loss allowance to noncurrent loans | 42.3889% | 5,527 |
| Noncurrent assets plus other real estate owned to assets | 3.9541% | 1,747 |
| Noncurrent loans to loans | 5.5731% | 1,245 |
| Net loans and leases to total assets | 62.9345% | 4,550 |
| Net loans and leases to deposits | 74.1128% | 4,722 |
| Net loans and leases to core deposits | 90.5933% | 3,286 |
| Total domestic deposits to total assets | 84.9171% | 3,717 |
| Equity capital to assets | 10.5499% | 3,196 |
| Core capital (leverage) ratio | 10.4969% | 2,625 |
| Tier 1 risk-based capital ratio | 14.6761% | 3,269 |
| Total risk-based capital ratio | 15.9337% | 3,234 |
| Memoranda: | ||
| Average total assets | $160,589,000 | 3,832 |
| Average earning assets | $145,730,500 | 3,839 |
| Average equity | $16,844,000 | 3,686 |
| Average total loans | $106,401,500 | 3,766 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2110% | 1,211 |
| Cost of funding earning assets | 1.4333% | 5,790 |
| Net interest margin | 4.7778% | 727 |
| Noninterest income to average assets | 1.4459% | 697 |
| Noninterest expense to average assets | 3.5814% | 2,194 |
| Loan and lease loss provision to assets | 0.6108% | 3,356 |
| Net operating income to assets | 1.1294% | 1,441 |
| Return on assets (ROA) | 1.3222% | 1,033 |
| Pretax return on assets | 1.8603% | 557 |
| Return on Equity (ROE) | 12.9642% | 966 |
| Retained earnings to average equity (ytd only) | -0.7920% | 5,202 |
| Net charge-offs to loans | 0.5321% | 3,652 |
| Credit loss provision to net charge-offs | 168.0342% | 2,560 |
| Earnings coverage of net charge-offs (x) | 6.0513% | 2,444 |
| Efficiency ratio | 61.9518% | 6,162 |
| Assets per employee ($millions) | 3.0571% | 6,077 |
| Cash dividends to net income (ytd only)* | 106.1090% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7709% | 2,637 |
| Loan loss allowance to noncurrent loans | 54.8027% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 2.5703% | 2,724 |
| Noncurrent loans to loans | 3.2315% | 2,363 |
| Net loans and leases to total assets | 66.8877% | 3,952 |
| Net loans and leases to deposits | 79.5550% | 4,080 |
| Net loans and leases to core deposits | 113.0328% | 2,598 |
| Total domestic deposits to total assets | 84.0773% | 3,994 |
| Equity capital to assets | 10.4266% | 3,259 |
| Core capital (leverage) ratio | 10.0487% | 3,037 |
| Tier 1 risk-based capital ratio | 13.9687% | 3,516 |
| Total risk-based capital ratio | 15.2195% | 3,472 |
| Memoranda: | ||
| Average total assets | $160,942,800 | 3,752 |
| Average earning assets | $146,030,400 | 3,779 |
| Average equity | $16,414,400 | 3,799 |
| Average total loans | $109,934,600 | 3,695 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2461% | 1,251 |
| Cost of funding earning assets | 1.4637% | 5,983 |
| Net interest margin | 4.7824% | 714 |
| Noninterest income to average assets | 1.4668% | 692 |
| Noninterest expense to average assets | 3.5274% | 2,209 |
| Loan and lease loss provision to assets | 0.4955% | 3,417 |
| Net operating income to assets | 1.1799% | 1,515 |
| Return on assets (ROA) | 1.4181% | 1,051 |
| Pretax return on assets | 2.1465% | 402 |
| Return on Equity (ROE) | 13.9810% | 934 |
| Retained earnings to average equity (ytd only) | -2.3614% | 5,789 |
| Net charge-offs to loans | 0.6669% | 2,693 |
| Credit loss provision to net charge-offs | 108.6957% | 4,675 |
| Earnings coverage of net charge-offs (x) | 5.0036% | 2,951 |
| Efficiency ratio | 60.7280% | 6,317 |
| Assets per employee ($millions) | 3.0190% | 6,113 |
| Cash dividends to net income (ytd only)* | 116.8896% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4122% | 3,879 |
| Loan loss allowance to noncurrent loans | 57.6683% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 2.1674% | 3,136 |
| Noncurrent loans to loans | 2.4489% | 3,080 |
| Net loans and leases to total assets | 68.4110% | 3,862 |
| Net loans and leases to deposits | 83.9627% | 3,654 |
| Net loans and leases to core deposits | 120.8481% | 2,173 |
| Total domestic deposits to total assets | 81.4778% | 4,884 |
| Equity capital to assets | 10.3114% | 3,718 |
| Core capital (leverage) ratio | 10.1313% | 3,138 |
| Tier 1 risk-based capital ratio | 13.4890% | 3,860 |
| Total risk-based capital ratio | 14.7475% | 3,786 |
| Memoranda: | ||
| Average total assets | $161,436,500 | 3,774 |
| Average earning assets | $146,561,500 | 3,784 |
| Average equity | $16,374,250 | 3,839 |
| Average total loans | $110,356,500 | 3,724 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3008% | 1,206 |
| Cost of funding earning assets | 1.5436% | 5,958 |
| Net interest margin | 4.7572% | 719 |
| Noninterest income to average assets | 1.4304% | 737 |
| Noninterest expense to average assets | 3.4488% | 2,498 |
| Loan and lease loss provision to assets | 0.7411% | 2,212 |
| Net operating income to assets | 0.8940% | 2,478 |
| Return on assets (ROA) | 0.8955% | 2,580 |
| Pretax return on assets | 1.5638% | 1,293 |
| Return on Equity (ROE) | 8.8779% | 2,403 |
| Retained earnings to average equity (ytd only) | -12.6005% | 7,091 |
| Net charge-offs to loans | 0.9135% | 1,878 |
| Credit loss provision to net charge-offs | 119.2843% | 3,897 |
| Earnings coverage of net charge-offs (x) | 3.7058% | 3,328 |
| Efficiency ratio | 59.9656% | 6,561 |
| Assets per employee ($millions) | 2.9814% | 6,185 |
| Cash dividends to net income (ytd only)* | 241.9310% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4368% | 3,536 |
| Loan loss allowance to noncurrent loans | 83.9128% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 1.6622% | 3,701 |
| Noncurrent loans to loans | 1.7122% | 3,943 |
| Net loans and leases to total assets | 68.9019% | 3,971 |
| Net loans and leases to deposits | 85.9075% | 3,570 |
| Net loans and leases to core deposits | 119.0636% | 2,450 |
| Total domestic deposits to total assets | 80.2049% | 5,393 |
| Equity capital to assets | 9.8525% | 4,146 |
| Core capital (leverage) ratio | 9.4967% | 3,890 |
| Tier 1 risk-based capital ratio | 12.8128% | 4,279 |
| Total risk-based capital ratio | 14.0712% | 4,188 |
| Memoranda: | ||
| Average total assets | $161,912,670 | 3,784 |
| Average earning assets | $147,060,000 | 3,796 |
| Average equity | $16,332,670 | 3,848 |
| Average total loans | $110,131,670 | 3,763 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2940% | 1,317 |
| Cost of funding earning assets | 1.6244% | 5,929 |
| Net interest margin | 4.6697% | 820 |
| Noninterest income to average assets | 1.3771% | 750 |
| Noninterest expense to average assets | 3.4021% | 2,352 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7417% | 594 |
| Return on assets (ROA) | 1.7417% | 648 |
| Pretax return on assets | 2.2171% | 429 |
| Return on Equity (ROE) | 17.0690% | 679 |
| Retained earnings to average equity (ytd only) | -19.1936% | 7,620 |
| Net charge-offs to loans | 0.0551% | 4,697 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 649 |
| Efficiency ratio | 60.5436% | 6,316 |
| Assets per employee ($millions) | 3.0254% | 6,084 |
| Cash dividends to net income (ytd only)* | 212.4470% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3700% | 3,682 |
| Loan loss allowance to noncurrent loans | 76.3452% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.4586% | 3,743 |
| Noncurrent loans to loans | 1.7945% | 3,571 |
| Net loans and leases to total assets | 66.2770% | 4,518 |
| Net loans and leases to deposits | 81.6022% | 4,350 |
| Net loans and leases to core deposits | 107.0396% | 3,788 |
| Total domestic deposits to total assets | 81.2195% | 4,883 |
| Equity capital to assets | 9.9411% | 4,064 |
| Core capital (leverage) ratio | 9.6194% | 3,852 |
| Tier 1 risk-based capital ratio | 13.1914% | 4,056 |
| Total risk-based capital ratio | 14.4421% | 3,977 |
| Memoranda: | ||
| Average total assets | $162,372,000 | 3,787 |
| Average earning assets | $147,505,000 | 3,799 |
| Average equity | $16,568,000 | 3,823 |
| Average total loans | $108,925,000 | 3,816 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7839% | 1,738 |
| Cost of funding earning assets | 2.0518% | 6,230 |
| Net interest margin | 4.7321% | 904 |
| Noninterest income to average assets | 1.5410% | 593 |
| Noninterest expense to average assets | 3.7521% | 1,847 |
| Loan and lease loss provision to assets | 0.3210% | 3,809 |
| Net operating income to assets | 1.1183% | 2,078 |
| Return on assets (ROA) | 1.2142% | 1,679 |
| Pretax return on assets | 1.8854% | 788 |
| Return on Equity (ROE) | 11.1470% | 1,858 |
| Retained earnings to average equity (ytd only) | 2.1317% | 3,906 |
| Net charge-offs to loans | 0.1732% | 4,467 |
| Credit loss provision to net charge-offs | 286.1272% | 1,586 |
| Earnings coverage of net charge-offs (x) | 18.3295% | 1,711 |
| Efficiency ratio | 64.5936% | 5,421 |
| Assets per employee ($millions) | 2.9884% | 6,082 |
| Cash dividends to net income (ytd only)* | 80.8761% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4056% | 3,163 |
| Loan loss allowance to noncurrent loans | 135.5040% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.9506% | 4,451 |
| Noncurrent loans to loans | 1.0373% | 4,510 |
| Net loans and leases to total assets | 66.0269% | 4,844 |
| Net loans and leases to deposits | 84.9958% | 4,252 |
| Net loans and leases to core deposits | 110.9007% | 3,699 |
| Total domestic deposits to total assets | 77.6826% | 5,806 |
| Equity capital to assets | 10.4696% | 3,538 |
| Core capital (leverage) ratio | 10.2843% | 3,185 |
| Tier 1 risk-based capital ratio | 14.1710% | 3,468 |
| Total risk-based capital ratio | 15.4213% | 3,387 |
| Memoranda: | ||
| Average total assets | $154,181,600 | 3,817 |
| Average earning assets | $139,049,200 | 3,868 |
| Average equity | $16,793,800 | 3,777 |
| Average total loans | $99,867,800 | 3,955 |