Home > PREMIER BANK OF ARKANSAS > Performance and Condition Ratios
PREMIER BANK OF ARKANSAS, Performance and Condition Ratios
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4325% | 4,526 |
| Cost of funding earning assets | 0.0763% | 4,490 |
| Net interest margin | 2.3562% | 4,387 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 1.5420% | 4,378 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6940% | 3,633 |
| Return on assets (ROA) | 0.6940% | 3,582 |
| Pretax return on assets | 0.8957% | 3,369 |
| Return on Equity (ROE) | 4.6000% | 4,077 |
| Retained earnings to average equity (ytd only) | -28.1584% | 4,706 |
| Net charge-offs to loans | -0.0013% | 3,380 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.4680% | 2,701 |
| Assets per employee ($millions) | 7.8106% | 1,433 |
| Cash dividends to net income (ytd only)* | 712.0900% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0015% | 4,605 |
| Loan loss allowance to noncurrent loans | 0.1596% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 0.5220% | 969 |
| Noncurrent loans to loans | 0.9124% | 815 |
| Net loans and leases to total assets | 56.7200% | 2,945 |
| Net loans and leases to deposits | 68.9848% | 2,668 |
| Net loans and leases to core deposits | 71.2496% | 2,779 |
| Total domestic deposits to total assets | 82.2200% | 3,585 |
| Equity capital to assets | 17.2333% | 323 |
| Core capital (leverage) ratio | 12.2080% | 1,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9208% | 728 |
| Memoranda: | ||
| Average total assets | $224,064,800 | 2,881 |
| Average earning assets | $206,944,800 | 2,883 |
| Average equity | $33,801,600 | 2,165 |
| Average total loans | $158,177,600 | 2,552 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7667% | 4,642 |
| Cost of funding earning assets | 0.0484% | 4,585 |
| Net interest margin | 1.7183% | 4,612 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.0421% | 4,663 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5836% | 3,871 |
| Return on assets (ROA) | 0.5836% | 3,831 |
| Pretax return on assets | 0.7840% | 3,621 |
| Return on Equity (ROE) | 4.0300% | 4,147 |
| Retained earnings to average equity (ytd only) | -42.3703% | 4,749 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.0668% | 3,504 |
| Assets per employee ($millions) | 7.2900% | 1,761 |
| Cash dividends to net income (ytd only)* | 1,152.2373% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0006% | 4,652 |
| Loan loss allowance to noncurrent loans | 0.0985% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 0.4641% | 1,166 |
| Noncurrent loans to loans | 0.6435% | 1,262 |
| Net loans and leases to total assets | 72.1200% | 1,283 |
| Net loans and leases to deposits | 89.3875% | 934 |
| Net loans and leases to core deposits | 92.8447% | 1,147 |
| Total domestic deposits to total assets | 80.6800% | 4,031 |
| Equity capital to assets | 18.8065% | 247 |
| Core capital (leverage) ratio | 14.6582% | 588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6297% | 905 |
| Memoranda: | ||
| Average total assets | $219,548,500 | 2,925 |
| Average earning assets | $203,914,250 | 2,925 |
| Average equity | $31,820,250 | 2,286 |
| Average total loans | $163,389,500 | 2,515 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6246% | 4,754 |
| Cost of funding earning assets | 0.0185% | 4,720 |
| Net interest margin | 0.6061% | 4,751 |
| Noninterest income to average assets | 0.1638% | 4,190 |
| Noninterest expense to average assets | 0.4039% | 4,759 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2429% | 4,370 |
| Return on assets (ROA) | 0.2429% | 4,333 |
| Pretax return on assets | 0.3266% | 4,263 |
| Return on Equity (ROE) | 1.8595% | 4,367 |
| Retained earnings to average equity (ytd only) | -75.2586% | 4,764 |
| Net charge-offs to loans | 0.0194% | 1,350 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 22.4375% | 1,504 |
| Efficiency ratio | 55.2927% | 3,847 |
| Assets per employee ($millions) | 7.2705% | 1,755 |
| Cash dividends to net income (ytd only)* | 4,147.1910% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2980% | 2,200 |
| Loan loss allowance to noncurrent loans | 264.4472% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.3532% | 1,587 |
| Noncurrent loans to loans | 0.4908% | 1,645 |
| Net loans and leases to total assets | 71.0188% | 1,198 |
| Net loans and leases to deposits | 82.2753% | 1,231 |
| Net loans and leases to core deposits | 85.1482% | 1,386 |
| Total domestic deposits to total assets | 86.3185% | 3,165 |
| Equity capital to assets | 13.2245% | 625 |
| Core capital (leverage) ratio | 7.9937% | 4,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1393% | 2,997 |
| Memoranda: | ||
| Average total assets | $219,831,000 | 2,946 |
| Average earning assets | $205,578,333 | 2,952 |
| Average equity | $28,717,000 | 2,482 |
| Average total loans | $165,279,667 | 2,507 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5772% | 1,569 |
| Cost of funding earning assets | 0.1003% | 4,134 |
| Net interest margin | 3.4768% | 1,133 |
| Noninterest income to average assets | 0.3446% | 3,033 |
| Noninterest expense to average assets | 2.4031% | 2,148 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9417% | 2,103 |
| Return on assets (ROA) | 0.9417% | 2,095 |
| Pretax return on assets | 1.2624% | 1,612 |
| Return on Equity (ROE) | 7.2553% | 2,953 |
| Retained earnings to average equity (ytd only) | 7.2553% | 1,805 |
| Net charge-offs to loans | -0.0048% | 3,328 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5606% | 2,825 |
| Assets per employee ($millions) | 6.4592% | 2,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 2,625 |
| Loan loss allowance to noncurrent loans | 279.9472% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.3696% | 1,634 |
| Noncurrent loans to loans | 0.4448% | 1,917 |
| Net loans and leases to total assets | 81.4156% | 185 |
| Net loans and leases to deposits | 95.0617% | 314 |
| Net loans and leases to core deposits | 99.6182% | 527 |
| Total domestic deposits to total assets | 85.6450% | 3,359 |
| Equity capital to assets | 13.7483% | 562 |
| Core capital (leverage) ratio | 13.3751% | 695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0042% | 1,043 |
| Memoranda: | ||
| Average total assets | $217,054,500 | 2,989 |
| Average earning assets | $207,315,500 | 2,947 |
| Average equity | $28,172,500 | 2,593 |
| Average total loans | $166,834,500 | 2,490 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1130% | 1,139 |
| Cost of funding earning assets | 0.1692% | 3,780 |
| Net interest margin | 3.9438% | 792 |
| Noninterest income to average assets | 0.4716% | 2,717 |
| Noninterest expense to average assets | 2.6563% | 1,737 |
| Loan and lease loss provision to assets | 0.1330% | 917 |
| Net operating income to assets | 1.0518% | 2,478 |
| Return on assets (ROA) | 1.0518% | 2,552 |
| Pretax return on assets | 1.4312% | 1,943 |
| Return on Equity (ROE) | 7.8713% | 3,254 |
| Retained earnings to average equity (ytd only) | 7.8713% | 1,594 |
| Net charge-offs to loans | 0.0019% | 2,579 |
| Credit loss provision to net charge-offs | 8,900.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 1,047.0000% | 141 |
| Efficiency ratio | 62.9381% | 2,723 |
| Assets per employee ($millions) | 7.1067% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 2,361 |
| Loan loss allowance to noncurrent loans | 318.4685% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.2955% | 2,064 |
| Noncurrent loans to loans | 0.4079% | 2,135 |
| Net loans and leases to total assets | 70.8593% | 940 |
| Net loans and leases to deposits | 81.2214% | 1,124 |
| Net loans and leases to core deposits | 86.1834% | 1,193 |
| Total domestic deposits to total assets | 87.2422% | 2,418 |
| Equity capital to assets | 12.2807% | 1,142 |
| Core capital (leverage) ratio | 12.6395% | 889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9800% | 1,045 |
| Memoranda: | ||
| Average total assets | $200,807,800 | 3,061 |
| Average earning assets | $190,881,000 | 3,021 |
| Average equity | $26,831,600 | 2,735 |
| Average total loans | $158,147,200 | 2,565 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0683% | 1,375 |
| Cost of funding earning assets | 0.1810% | 3,811 |
| Net interest margin | 3.8873% | 963 |
| Noninterest income to average assets | 0.5672% | 2,347 |
| Noninterest expense to average assets | 2.6954% | 1,602 |
| Loan and lease loss provision to assets | 0.1834% | 584 |
| Net operating income to assets | 1.0294% | 2,804 |
| Return on assets (ROA) | 1.0294% | 2,866 |
| Pretax return on assets | 1.3762% | 2,419 |
| Return on Equity (ROE) | 7.5256% | 3,522 |
| Retained earnings to average equity (ytd only) | 7.5256% | 2,212 |
| Net charge-offs to loans | 0.0025% | 2,272 |
| Credit loss provision to net charge-offs | 8,900.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 757.0000% | 211 |
| Efficiency ratio | 63.3473% | 2,483 |
| Assets per employee ($millions) | 6.2422% | 2,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 2,727 |
| Loan loss allowance to noncurrent loans | 260.4423% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.4105% | 1,817 |
| Noncurrent loans to loans | 0.4802% | 2,118 |
| Net loans and leases to total assets | 83.8043% | 122 |
| Net loans and leases to deposits | 97.8015% | 280 |
| Net loans and leases to core deposits | 104.6230% | 440 |
| Total domestic deposits to total assets | 85.6882% | 2,873 |
| Equity capital to assets | 13.6765% | 813 |
| Core capital (leverage) ratio | 13.5136% | 731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8345% | 1,674 |
| Memoranda: | ||
| Average total assets | $194,156,250 | 3,143 |
| Average earning assets | $184,183,500 | 3,104 |
| Average equity | $26,557,500 | 2,786 |
| Average total loans | $156,867,750 | 2,609 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3376% | 941 |
| Cost of funding earning assets | 0.1909% | 3,840 |
| Net interest margin | 4.1466% | 638 |
| Noninterest income to average assets | 0.3786% | 3,221 |
| Noninterest expense to average assets | 2.7261% | 1,524 |
| Loan and lease loss provision to assets | 0.2517% | 389 |
| Net operating income to assets | 0.9974% | 2,892 |
| Return on assets (ROA) | 0.9974% | 2,973 |
| Pretax return on assets | 1.3313% | 2,549 |
| Return on Equity (ROE) | 7.2918% | 3,576 |
| Retained earnings to average equity (ytd only) | 7.2918% | 2,322 |
| Net charge-offs to loans | 0.0039% | 2,017 |
| Credit loss provision to net charge-offs | 8,066.6667% | 80 |
| Earnings coverage of net charge-offs (x) | 507.3333% | 258 |
| Efficiency ratio | 63.2633% | 2,530 |
| Assets per employee ($millions) | 6.1401% | 2,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 2,568 |
| Loan loss allowance to noncurrent loans | 321.8126% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.3344% | 2,259 |
| Noncurrent loans to loans | 0.3956% | 2,488 |
| Net loans and leases to total assets | 82.6851% | 189 |
| Net loans and leases to deposits | 96.6116% | 364 |
| Net loans and leases to core deposits | 103.3066% | 551 |
| Total domestic deposits to total assets | 85.5851% | 2,878 |
| Equity capital to assets | 13.6301% | 803 |
| Core capital (leverage) ratio | 13.6148% | 689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9877% | 1,122 |
| Memoranda: | ||
| Average total assets | $192,291,333 | 3,158 |
| Average earning assets | $182,268,667 | 3,122 |
| Average equity | $26,303,667 | 2,796 |
| Average total loans | $152,650,333 | 2,657 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2123% | 1,179 |
| Cost of funding earning assets | 0.2201% | 3,725 |
| Net interest margin | 3.9922% | 852 |
| Noninterest income to average assets | 0.3596% | 3,290 |
| Noninterest expense to average assets | 2.7656% | 1,453 |
| Loan and lease loss provision to assets | 0.0736% | 1,706 |
| Net operating income to assets | 0.9716% | 2,898 |
| Return on assets (ROA) | 0.9716% | 2,994 |
| Pretax return on assets | 1.2976% | 2,578 |
| Return on Equity (ROE) | 7.0900% | 3,585 |
| Retained earnings to average equity (ytd only) | 7.0900% | 2,550 |
| Net charge-offs to loans | -0.0027% | 3,202 |
| Credit loss provision to net charge-offs | -3,500.0000% | 3,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8531% | 2,104 |
| Assets per employee ($millions) | 5.7482% | 2,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2389% | 2,721 |
| Loan loss allowance to noncurrent loans | 288.4146% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.5836% | 1,632 |
| Noncurrent loans to loans | 0.4296% | 2,571 |
| Net loans and leases to total assets | 79.5084% | 362 |
| Net loans and leases to deposits | 93.1304% | 536 |
| Net loans and leases to core deposits | 99.0230% | 760 |
| Total domestic deposits to total assets | 85.3731% | 2,971 |
| Equity capital to assets | 13.8588% | 698 |
| Core capital (leverage) ratio | 13.7891% | 688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4767% | 999 |
| Memoranda: | ||
| Average total assets | $190,195,000 | 3,164 |
| Average earning assets | $179,951,000 | 3,126 |
| Average equity | $26,065,000 | 2,792 |
| Average total loans | $146,696,500 | 2,731 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5198% | 1,262 |
| Cost of funding earning assets | 0.5681% | 2,516 |
| Net interest margin | 3.9517% | 1,085 |
| Noninterest income to average assets | 0.4858% | 2,691 |
| Noninterest expense to average assets | 2.9380% | 1,576 |
| Loan and lease loss provision to assets | 0.1417% | 2,583 |
| Net operating income to assets | 0.8682% | 2,833 |
| Return on assets (ROA) | 0.8718% | 2,958 |
| Pretax return on assets | 1.1252% | 2,604 |
| Return on Equity (ROE) | 6.1693% | 3,528 |
| Retained earnings to average equity (ytd only) | 6.1693% | 1,723 |
| Net charge-offs to loans | -0.0052% | 4,149 |
| Credit loss provision to net charge-offs | -3,571.4286% | 4,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9460% | 1,953 |
| Assets per employee ($millions) | 5.6088% | 2,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 2,317 |
| Loan loss allowance to noncurrent loans | 189.3878% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.7504% | 1,369 |
| Noncurrent loans to loans | 0.6966% | 1,947 |
| Net loans and leases to total assets | 72.7978% | 1,187 |
| Net loans and leases to deposits | 84.8454% | 1,380 |
| Net loans and leases to core deposits | 90.1455% | 1,515 |
| Total domestic deposits to total assets | 85.8006% | 2,457 |
| Equity capital to assets | 13.5507% | 920 |
| Core capital (leverage) ratio | 13.6754% | 743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5217% | 714 |
| Memoranda: | ||
| Average total assets | $176,410,200 | 3,135 |
| Average earning assets | $165,825,400 | 3,113 |
| Average equity | $24,930,000 | 2,807 |
| Average total loans | $133,622,800 | 2,819 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6921% | 1,084 |
| Cost of funding earning assets | 0.6435% | 2,365 |
| Net interest margin | 4.0486% | 1,013 |
| Noninterest income to average assets | 0.5276% | 2,490 |
| Noninterest expense to average assets | 2.9607% | 1,529 |
| Loan and lease loss provision to assets | 0.1927% | 2,054 |
| Net operating income to assets | 0.8853% | 2,753 |
| Return on assets (ROA) | 0.8902% | 2,860 |
| Pretax return on assets | 1.1803% | 2,454 |
| Return on Equity (ROE) | 6.2287% | 3,468 |
| Retained earnings to average equity (ytd only) | 6.2287% | 2,006 |
| Net charge-offs to loans | -0.0061% | 4,100 |
| Credit loss provision to net charge-offs | -4,166.6667% | 4,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4135% | 2,123 |
| Assets per employee ($millions) | 5.1589% | 3,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 2,337 |
| Loan loss allowance to noncurrent loans | 138.8473% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 1.0188% | 1,078 |
| Noncurrent loans to loans | 0.9097% | 1,639 |
| Net loans and leases to total assets | 82.6657% | 388 |
| Net loans and leases to deposits | 97.4731% | 661 |
| Net loans and leases to core deposits | 104.5716% | 897 |
| Total domestic deposits to total assets | 84.8088% | 2,509 |
| Equity capital to assets | 14.5145% | 729 |
| Core capital (leverage) ratio | 14.0974% | 688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2085% | 1,021 |
| Memoranda: | ||
| Average total assets | $172,838,250 | 3,154 |
| Average earning assets | $162,224,750 | 3,133 |
| Average equity | $24,702,250 | 2,812 |
| Average total loans | $131,858,500 | 2,851 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8372% | 1,084 |
| Cost of funding earning assets | 0.6854% | 2,473 |
| Net interest margin | 4.1518% | 1,016 |
| Noninterest income to average assets | 0.5873% | 2,180 |
| Noninterest expense to average assets | 2.9875% | 1,604 |
| Loan and lease loss provision to assets | 0.2907% | 1,478 |
| Net operating income to assets | 0.9102% | 2,651 |
| Return on assets (ROA) | 0.9175% | 2,753 |
| Pretax return on assets | 1.2141% | 2,317 |
| Return on Equity (ROE) | 6.4540% | 3,347 |
| Retained earnings to average equity (ytd only) | 6.4540% | 1,880 |
| Net charge-offs to loans | -0.0063% | 4,080 |
| Credit loss provision to net charge-offs | -6,250.0000% | 4,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6407% | 2,425 |
| Assets per employee ($millions) | 5.5523% | 2,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3209% | 1,905 |
| Loan loss allowance to noncurrent loans | 158.8689% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.8831% | 1,394 |
| Noncurrent loans to loans | 0.8315% | 1,831 |
| Net loans and leases to total assets | 75.5903% | 1,200 |
| Net loans and leases to deposits | 88.1717% | 1,541 |
| Net loans and leases to core deposits | 94.1998% | 1,720 |
| Total domestic deposits to total assets | 85.7307% | 2,114 |
| Equity capital to assets | 13.5718% | 962 |
| Core capital (leverage) ratio | 13.6567% | 838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2893% | 868 |
| Memoranda: | ||
| Average total assets | $171,983,000 | 3,141 |
| Average earning assets | $161,376,000 | 3,119 |
| Average equity | $24,450,000 | 2,819 |
| Average total loans | $126,860,000 | 2,894 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4875% | 2,345 |
| Cost of funding earning assets | 0.7090% | 2,895 |
| Net interest margin | 3.7785% | 2,056 |
| Noninterest income to average assets | 0.8463% | 1,172 |
| Noninterest expense to average assets | 3.1810% | 1,464 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9113% | 2,484 |
| Return on assets (ROA) | 0.9113% | 2,592 |
| Pretax return on assets | 1.2022% | 2,189 |
| Return on Equity (ROE) | 6.2537% | 3,218 |
| Retained earnings to average equity (ytd only) | 6.2537% | 1,786 |
| Net charge-offs to loans | -0.0067% | 3,943 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5727% | 1,993 |
| Assets per employee ($millions) | 5.1110% | 2,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 2,120 |
| Loan loss allowance to noncurrent loans | 106.8712% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 1.1561% | 1,100 |
| Noncurrent loans to loans | 1.2219% | 1,335 |
| Net loans and leases to total assets | 71.7841% | 1,952 |
| Net loans and leases to deposits | 84.5707% | 2,161 |
| Net loans and leases to core deposits | 90.9257% | 2,259 |
| Total domestic deposits to total assets | 84.8806% | 2,454 |
| Equity capital to assets | 14.5046% | 895 |
| Core capital (leverage) ratio | 14.6392% | 760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5629% | 689 |
| Memoranda: | ||
| Average total assets | $166,361,500 | 3,166 |
| Average earning assets | $155,722,500 | 3,140 |
| Average equity | $24,241,500 | 2,829 |
| Average total loans | $120,112,500 | 2,954 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0554% | 1,327 |
| Cost of funding earning assets | 0.7024% | 3,148 |
| Net interest margin | 4.3531% | 979 |
| Noninterest income to average assets | 0.7636% | 1,570 |
| Noninterest expense to average assets | 3.0127% | 1,986 |
| Loan and lease loss provision to assets | 0.2828% | 615 |
| Net operating income to assets | 1.0514% | 2,650 |
| Return on assets (ROA) | 1.0514% | 2,744 |
| Pretax return on assets | 1.4523% | 1,972 |
| Return on Equity (ROE) | 7.2488% | 3,466 |
| Retained earnings to average equity (ytd only) | 7.2488% | 1,280 |
| Net charge-offs to loans | 0.1113% | 1,615 |
| Credit loss provision to net charge-offs | 348.8372% | 804 |
| Earnings coverage of net charge-offs (x) | 21.4031% | 1,891 |
| Efficiency ratio | 63.4547% | 3,154 |
| Assets per employee ($millions) | 4.9715% | 2,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3611% | 1,669 |
| Loan loss allowance to noncurrent loans | 120.9373% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 1.0813% | 1,143 |
| Noncurrent loans to loans | 1.1255% | 1,345 |
| Net loans and leases to total assets | 70.6752% | 2,293 |
| Net loans and leases to deposits | 83.4358% | 2,396 |
| Net loans and leases to core deposits | 88.1031% | 2,591 |
| Total domestic deposits to total assets | 84.7061% | 2,605 |
| Equity capital to assets | 14.6405% | 889 |
| Core capital (leverage) ratio | 14.1024% | 903 |
| Tier 1 risk-based capital ratio | 19.5215% | 1,409 |
| Total risk-based capital ratio | 20.7727% | 1,372 |
| Memoranda: | ||
| Average total assets | $159,123,800 | 3,208 |
| Average earning assets | $145,645,000 | 3,213 |
| Average equity | $23,079,600 | 2,865 |
| Average total loans | $115,853,200 | 2,993 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0647% | 1,371 |
| Cost of funding earning assets | 0.6587% | 3,404 |
| Net interest margin | 4.4060% | 932 |
| Noninterest income to average assets | 0.5658% | 2,379 |
| Noninterest expense to average assets | 2.8416% | 2,434 |
| Loan and lease loss provision to assets | 0.0422% | 3,055 |
| Net operating income to assets | 1.2692% | 1,953 |
| Return on assets (ROA) | 1.2692% | 2,031 |
| Pretax return on assets | 1.6923% | 1,358 |
| Return on Equity (ROE) | 8.7720% | 2,975 |
| Retained earnings to average equity (ytd only) | 8.7720% | 1,108 |
| Net charge-offs to loans | 0.0289% | 2,518 |
| Credit loss provision to net charge-offs | 200.0000% | 1,306 |
| Earnings coverage of net charge-offs (x) | 82.1662% | 850 |
| Efficiency ratio | 62.0963% | 3,311 |
| Assets per employee ($millions) | 5.3087% | 2,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 3,209 |
| Loan loss allowance to noncurrent loans | 351.7520% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.6338% | 2,104 |
| Noncurrent loans to loans | 0.3025% | 3,453 |
| Net loans and leases to total assets | 73.7299% | 1,867 |
| Net loans and leases to deposits | 91.5095% | 1,500 |
| Net loans and leases to core deposits | 98.4607% | 1,787 |
| Total domestic deposits to total assets | 80.5707% | 3,854 |
| Equity capital to assets | 14.4801% | 988 |
| Core capital (leverage) ratio | 14.6587% | 824 |
| Tier 1 risk-based capital ratio | 19.3360% | 1,496 |
| Total risk-based capital ratio | 20.3950% | 1,505 |
| Memoranda: | ||
| Average total assets | $157,890,000 | 3,253 |
| Average earning assets | $143,710,750 | 3,267 |
| Average equity | $22,844,750 | 2,903 |
| Average total loans | $115,429,250 | 3,034 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9373% | 1,645 |
| Cost of funding earning assets | 0.5756% | 3,765 |
| Net interest margin | 4.3616% | 1,013 |
| Noninterest income to average assets | 0.6090% | 2,104 |
| Noninterest expense to average assets | 2.8703% | 2,352 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2913% | 1,814 |
| Return on assets (ROA) | 1.2913% | 1,869 |
| Pretax return on assets | 1.7204% | 1,234 |
| Return on Equity (ROE) | 8.9269% | 2,885 |
| Retained earnings to average equity (ytd only) | 8.1985% | 1,313 |
| Net charge-offs to loans | -0.0088% | 4,285 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5245% | 3,348 |
| Assets per employee ($millions) | 5.2466% | 2,208 |
| Cash dividends to net income (ytd only)* | 8.1592% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0360% | 3,413 |
| Loan loss allowance to noncurrent loans | 524.4898% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.5248% | 2,460 |
| Noncurrent loans to loans | 0.1975% | 3,844 |
| Net loans and leases to total assets | 77.9840% | 1,221 |
| Net loans and leases to deposits | 98.6450% | 784 |
| Net loans and leases to core deposits | 106.8109% | 1,191 |
| Total domestic deposits to total assets | 79.0551% | 4,208 |
| Equity capital to assets | 14.7275% | 882 |
| Core capital (leverage) ratio | 15.1564% | 676 |
| Tier 1 risk-based capital ratio | 18.0010% | 1,808 |
| Total risk-based capital ratio | 18.9925% | 1,824 |
| Memoranda: | ||
| Average total assets | $155,663,000 | 3,288 |
| Average earning assets | $142,102,330 | 3,303 |
| Average equity | $22,516,330 | 2,922 |
| Average total loans | $113,024,670 | 3,090 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7963% | 1,912 |
| Cost of funding earning assets | 0.5402% | 3,868 |
| Net interest margin | 4.2561% | 1,182 |
| Noninterest income to average assets | 0.6641% | 1,758 |
| Noninterest expense to average assets | 2.8916% | 2,300 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2352% | 1,932 |
| Return on assets (ROA) | 1.2352% | 1,980 |
| Pretax return on assets | 1.6409% | 1,368 |
| Return on Equity (ROE) | 8.6188% | 2,981 |
| Retained earnings to average equity (ytd only) | 8.6188% | 1,441 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7970% | 3,270 |
| Assets per employee ($millions) | 5.5750% | 1,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 2,699 |
| Loan loss allowance to noncurrent loans | 292.2374% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.6770% | 2,071 |
| Noncurrent loans to loans | 0.4031% | 3,142 |
| Net loans and leases to total assets | 71.3341% | 2,280 |
| Net loans and leases to deposits | 84.4887% | 2,329 |
| Net loans and leases to core deposits | 91.2921% | 2,368 |
| Total domestic deposits to total assets | 84.4304% | 2,880 |
| Equity capital to assets | 14.9451% | 764 |
| Core capital (leverage) ratio | 14.9446% | 711 |
| Tier 1 risk-based capital ratio | 20.0489% | 1,332 |
| Total risk-based capital ratio | 21.1748% | 1,331 |
| Memoranda: | ||
| Average total assets | $154,795,000 | 3,342 |
| Average earning assets | $140,692,000 | 3,358 |
| Average equity | $22,184,000 | 2,959 |
| Average total loans | $107,521,500 | 3,203 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6221% | 2,075 |
| Cost of funding earning assets | 0.4613% | 3,599 |
| Net interest margin | 4.1607% | 1,501 |
| Noninterest income to average assets | 0.5617% | 2,480 |
| Noninterest expense to average assets | 2.8599% | 2,485 |
| Loan and lease loss provision to assets | 0.1299% | 1,699 |
| Net operating income to assets | 1.0104% | 2,960 |
| Return on assets (ROA) | 1.0104% | 2,945 |
| Pretax return on assets | 1.3319% | 2,393 |
| Return on Equity (ROE) | 7.2406% | 3,752 |
| Retained earnings to average equity (ytd only) | 7.2406% | 1,562 |
| Net charge-offs to loans | 0.0765% | 2,030 |
| Credit loss provision to net charge-offs | 253.1646% | 1,179 |
| Earnings coverage of net charge-offs (x) | 28.4937% | 1,648 |
| Efficiency ratio | 66.1758% | 2,845 |
| Assets per employee ($millions) | 5.6809% | 1,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2022% | 2,559 |
| Loan loss allowance to noncurrent loans | 528.5124% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.8632% | 1,619 |
| Noncurrent loans to loans | 0.2275% | 3,767 |
| Net loans and leases to total assets | 66.0789% | 3,124 |
| Net loans and leases to deposits | 77.2361% | 3,250 |
| Net loans and leases to core deposits | 82.8537% | 3,193 |
| Total domestic deposits to total assets | 85.5544% | 2,419 |
| Equity capital to assets | 13.7503% | 1,046 |
| Core capital (leverage) ratio | 14.7302% | 750 |
| Tier 1 risk-based capital ratio | 19.0735% | 1,509 |
| Total risk-based capital ratio | 20.1667% | 1,492 |
| Memoranda: | ||
| Average total assets | $153,992,200 | 3,344 |
| Average earning assets | $139,158,000 | 3,365 |
| Average equity | $21,489,800 | 2,941 |
| Average total loans | $103,239,600 | 3,243 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5520% | 2,121 |
| Cost of funding earning assets | 0.4310% | 3,659 |
| Net interest margin | 4.1210% | 1,567 |
| Noninterest income to average assets | 0.5055% | 2,836 |
| Noninterest expense to average assets | 2.7352% | 2,861 |
| Loan and lease loss provision to assets | 0.1746% | 1,057 |
| Net operating income to assets | 0.9935% | 3,113 |
| Return on assets (ROA) | 0.9935% | 3,125 |
| Pretax return on assets | 1.3104% | 2,580 |
| Return on Equity (ROE) | 7.0921% | 3,901 |
| Retained earnings to average equity (ytd only) | 7.0921% | 2,082 |
| Net charge-offs to loans | 0.1067% | 1,421 |
| Credit loss provision to net charge-offs | 243.9024% | 1,203 |
| Earnings coverage of net charge-offs (x) | 20.7440% | 1,946 |
| Efficiency ratio | 64.8118% | 3,053 |
| Assets per employee ($millions) | 5.7793% | 1,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 2,725 |
| Loan loss allowance to noncurrent loans | 440.0000% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 1.2759% | 1,078 |
| Noncurrent loans to loans | 0.2687% | 3,726 |
| Net loans and leases to total assets | 68.3423% | 2,885 |
| Net loans and leases to deposits | 88.9439% | 2,028 |
| Net loans and leases to core deposits | 94.6742% | 2,235 |
| Total domestic deposits to total assets | 76.8375% | 4,670 |
| Equity capital to assets | 13.5977% | 1,103 |
| Core capital (leverage) ratio | 13.9178% | 962 |
| Tier 1 risk-based capital ratio | 17.7529% | 1,857 |
| Total risk-based capital ratio | 18.2051% | 2,075 |
| Memoranda: | ||
| Average total assets | $152,723,750 | 3,385 |
| Average earning assets | $137,664,250 | 3,428 |
| Average equity | $21,394,250 | 2,961 |
| Average total loans | $102,452,500 | 3,285 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4663% | 2,195 |
| Cost of funding earning assets | 0.4211% | 3,565 |
| Net interest margin | 4.0453% | 1,711 |
| Noninterest income to average assets | 0.5171% | 2,766 |
| Noninterest expense to average assets | 3.1883% | 1,562 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0038% | 2,999 |
| Return on assets (ROA) | 1.0038% | 2,999 |
| Pretax return on assets | 1.0038% | 3,650 |
| Return on Equity (ROE) | 7.0946% | 3,876 |
| Retained earnings to average equity (ytd only) | 7.0946% | 2,033 |
| Net charge-offs to loans | -0.0258% | 4,681 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0541% | 1,423 |
| Assets per employee ($millions) | 5.5066% | 1,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 3,148 |
| Loan loss allowance to noncurrent loans | 53.5927% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 1.8503% | 613 |
| Noncurrent loans to loans | 2.0913% | 691 |
| Net loans and leases to total assets | 69.4855% | 2,654 |
| Net loans and leases to deposits | 82.3376% | 2,734 |
| Net loans and leases to core deposits | 87.3775% | 2,781 |
| Total domestic deposits to total assets | 84.3910% | 2,917 |
| Equity capital to assets | 14.6129% | 782 |
| Core capital (leverage) ratio | 13.8084% | 962 |
| Tier 1 risk-based capital ratio | 18.2877% | 1,729 |
| Total risk-based capital ratio | 19.3043% | 1,748 |
| Memoranda: | ||
| Average total assets | $151,618,000 | 3,411 |
| Average earning assets | $137,741,330 | 3,447 |
| Average equity | $21,453,000 | 2,971 |
| Average total loans | $100,630,670 | 3,327 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2774% | 2,608 |
| Cost of funding earning assets | 0.3734% | 3,792 |
| Net interest margin | 3.9040% | 2,031 |
| Noninterest income to average assets | 0.5330% | 2,617 |
| Noninterest expense to average assets | 2.7592% | 2,844 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0033% | 2,846 |
| Return on assets (ROA) | 1.0033% | 2,863 |
| Pretax return on assets | 1.3247% | 2,271 |
| Return on Equity (ROE) | 7.2057% | 3,699 |
| Retained earnings to average equity (ytd only) | 7.2057% | 2,181 |
| Net charge-offs to loans | -0.0446% | 4,920 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5624% | 2,901 |
| Assets per employee ($millions) | 5.5331% | 1,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 2,878 |
| Loan loss allowance to noncurrent loans | 43.6846% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 2.1178% | 513 |
| Noncurrent loans to loans | 2.7214% | 465 |
| Net loans and leases to total assets | 62.7141% | 3,459 |
| Net loans and leases to deposits | 73.4627% | 3,469 |
| Net loans and leases to core deposits | 93.1410% | 2,196 |
| Total domestic deposits to total assets | 85.3686% | 2,801 |
| Equity capital to assets | 13.8355% | 935 |
| Core capital (leverage) ratio | 14.8977% | 671 |
| Tier 1 risk-based capital ratio | 21.7072% | 1,099 |
| Total risk-based capital ratio | 22.8676% | 1,081 |
| Memoranda: | ||
| Average total assets | $153,088,500 | 3,431 |
| Average earning assets | $139,243,500 | 3,459 |
| Average equity | $21,316,500 | 3,012 |
| Average total loans | $98,706,000 | 3,381 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3775% | 2,087 |
| Cost of funding earning assets | 0.4039% | 3,211 |
| Net interest margin | 3.9737% | 1,830 |
| Noninterest income to average assets | 0.5079% | 2,951 |
| Noninterest expense to average assets | 2.7362% | 3,014 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8470% | 2,966 |
| Return on assets (ROA) | 0.8470% | 2,993 |
| Pretax return on assets | 1.3932% | 2,019 |
| Return on Equity (ROE) | 6.2108% | 3,671 |
| Retained earnings to average equity (ytd only) | 6.2108% | 1,431 |
| Net charge-offs to loans | 0.2265% | 1,143 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 8.9872% | 2,840 |
| Efficiency ratio | 66.2620% | 3,215 |
| Assets per employee ($millions) | 5.6019% | 1,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1687% | 2,963 |
| Loan loss allowance to noncurrent loans | 48.0697% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 2.0026% | 560 |
| Noncurrent loans to loans | 2.4313% | 567 |
| Net loans and leases to total assets | 64.7431% | 3,265 |
| Net loans and leases to deposits | 76.0421% | 3,324 |
| Net loans and leases to core deposits | 95.1208% | 2,106 |
| Total domestic deposits to total assets | 85.1412% | 2,782 |
| Equity capital to assets | 14.0152% | 905 |
| Core capital (leverage) ratio | 13.1633% | 1,087 |
| Tier 1 risk-based capital ratio | 19.3273% | 1,446 |
| Total risk-based capital ratio | 20.4424% | 1,444 |
| Memoranda: | ||
| Average total assets | $151,595,600 | 3,451 |
| Average earning assets | $138,159,800 | 3,477 |
| Average equity | $20,673,800 | 3,064 |
| Average total loans | $103,733,400 | 3,289 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3454% | 2,119 |
| Cost of funding earning assets | 0.4040% | 3,147 |
| Net interest margin | 3.9414% | 1,890 |
| Noninterest income to average assets | 0.4878% | 3,097 |
| Noninterest expense to average assets | 2.5342% | 3,612 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0003% | 2,550 |
| Return on assets (ROA) | 1.0003% | 2,603 |
| Pretax return on assets | 1.5559% | 1,557 |
| Return on Equity (ROE) | 7.3861% | 3,455 |
| Retained earnings to average equity (ytd only) | 7.3861% | 1,502 |
| Net charge-offs to loans | 0.0381% | 2,673 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 58.9985% | 1,001 |
| Efficiency ratio | 61.9600% | 3,891 |
| Assets per employee ($millions) | 5.3764% | 2,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 2,681 |
| Loan loss allowance to noncurrent loans | 51.3554% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 2.1762% | 565 |
| Noncurrent loans to loans | 2.4199% | 645 |
| Net loans and leases to total assets | 72.0039% | 2,253 |
| Net loans and leases to deposits | 92.5219% | 1,490 |
| Net loans and leases to core deposits | 117.0385% | 706 |
| Total domestic deposits to total assets | 77.8237% | 4,758 |
| Equity capital to assets | 14.0382% | 985 |
| Core capital (leverage) ratio | 13.6056% | 988 |
| Tier 1 risk-based capital ratio | 17.2720% | 2,071 |
| Total risk-based capital ratio | 18.4545% | 2,047 |
| Memoranda: | ||
| Average total assets | $151,682,000 | 3,479 |
| Average earning assets | $138,625,750 | 3,498 |
| Average equity | $20,542,750 | 3,097 |
| Average total loans | $104,896,250 | 3,292 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2261% | 2,377 |
| Cost of funding earning assets | 0.4003% | 3,075 |
| Net interest margin | 3.8258% | 2,191 |
| Noninterest income to average assets | 0.4577% | 3,304 |
| Noninterest expense to average assets | 2.3701% | 4,145 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0206% | 2,331 |
| Return on assets (ROA) | 1.0206% | 2,375 |
| Pretax return on assets | 1.5822% | 1,398 |
| Return on Equity (ROE) | 7.6280% | 3,233 |
| Retained earnings to average equity (ytd only) | 7.6280% | 1,303 |
| Net charge-offs to loans | -0.0116% | 4,586 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9667% | 4,319 |
| Assets per employee ($millions) | 5.0478% | 2,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 2,418 |
| Loan loss allowance to noncurrent loans | 50.4508% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 2.2837% | 511 |
| Noncurrent loans to loans | 2.5749% | 561 |
| Net loans and leases to total assets | 72.6126% | 2,105 |
| Net loans and leases to deposits | 85.2138% | 2,324 |
| Net loans and leases to core deposits | 112.5996% | 869 |
| Total domestic deposits to total assets | 85.2123% | 2,729 |
| Equity capital to assets | 14.1831% | 907 |
| Core capital (leverage) ratio | 13.1429% | 1,119 |
| Tier 1 risk-based capital ratio | 17.4140% | 2,037 |
| Total risk-based capital ratio | 18.6619% | 1,995 |
| Memoranda: | ||
| Average total assets | $152,063,000 | 3,493 |
| Average earning assets | $138,900,000 | 3,512 |
| Average equity | $20,346,000 | 3,119 |
| Average total loans | $103,275,670 | 3,332 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0462% | 2,872 |
| Cost of funding earning assets | 0.4066% | 2,929 |
| Net interest margin | 3.6396% | 2,741 |
| Noninterest income to average assets | 0.4390% | 3,386 |
| Noninterest expense to average assets | 2.2078% | 4,620 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9838% | 2,374 |
| Return on assets (ROA) | 0.9838% | 2,421 |
| Pretax return on assets | 1.5365% | 1,418 |
| Return on Equity (ROE) | 7.5678% | 3,129 |
| Retained earnings to average equity (ytd only) | 7.5678% | 1,621 |
| Net charge-offs to loans | -0.0198% | 4,741 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9655% | 4,593 |
| Assets per employee ($millions) | 5.5719% | 1,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3861% | 2,129 |
| Loan loss allowance to noncurrent loans | 44.4656% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 2.4687% | 470 |
| Noncurrent loans to loans | 3.1173% | 429 |
| Net loans and leases to total assets | 66.1116% | 2,953 |
| Net loans and leases to deposits | 77.0116% | 3,081 |
| Net loans and leases to core deposits | 103.7707% | 1,238 |
| Total domestic deposits to total assets | 85.8463% | 2,742 |
| Equity capital to assets | 13.5203% | 1,064 |
| Core capital (leverage) ratio | 12.6468% | 1,269 |
| Tier 1 risk-based capital ratio | 18.0725% | 1,852 |
| Total risk-based capital ratio | 19.3226% | 1,813 |
| Memoranda: | ||
| Average total assets | $154,902,000 | 3,491 |
| Average earning assets | $140,674,500 | 3,516 |
| Average equity | $20,138,000 | 3,150 |
| Average total loans | $101,067,000 | 3,399 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2469% | 2,325 |
| Cost of funding earning assets | 0.4395% | 2,615 |
| Net interest margin | 3.8073% | 2,298 |
| Noninterest income to average assets | 0.5008% | 3,231 |
| Noninterest expense to average assets | 2.4173% | 4,255 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0016% | 2,351 |
| Return on assets (ROA) | 1.0016% | 2,451 |
| Pretax return on assets | 1.5563% | 1,414 |
| Return on Equity (ROE) | 7.8703% | 3,014 |
| Retained earnings to average equity (ytd only) | 7.8703% | 893 |
| Net charge-offs to loans | 0.0037% | 4,124 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 592.0000% | 140 |
| Efficiency ratio | 60.8336% | 4,448 |
| Assets per employee ($millions) | 6.1293% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3764% | 2,183 |
| Loan loss allowance to noncurrent loans | 51.6679% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 2.1341% | 624 |
| Noncurrent loans to loans | 2.6640% | 570 |
| Net loans and leases to total assets | 62.6764% | 3,516 |
| Net loans and leases to deposits | 72.0075% | 3,711 |
| Net loans and leases to core deposits | 97.5496% | 1,797 |
| Total domestic deposits to total assets | 87.0415% | 2,123 |
| Equity capital to assets | 12.5098% | 1,522 |
| Core capital (leverage) ratio | 11.9957% | 1,602 |
| Tier 1 risk-based capital ratio | 17.8193% | 1,903 |
| Total risk-based capital ratio | 19.0703% | 1,858 |
| Memoranda: | ||
| Average total assets | $152,154,600 | 3,487 |
| Average earning assets | $138,784,600 | 3,512 |
| Average equity | $19,364,000 | 3,231 |
| Average total loans | $107,155,600 | 3,258 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2886% | 2,195 |
| Cost of funding earning assets | 0.4423% | 2,616 |
| Net interest margin | 3.8463% | 2,171 |
| Noninterest income to average assets | 0.5055% | 3,215 |
| Noninterest expense to average assets | 2.4990% | 3,986 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9808% | 2,514 |
| Return on assets (ROA) | 0.9808% | 2,652 |
| Pretax return on assets | 1.5226% | 1,642 |
| Return on Equity (ROE) | 7.6720% | 3,204 |
| Retained earnings to average equity (ytd only) | 7.6720% | 1,327 |
| Net charge-offs to loans | 0.0074% | 3,660 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 286.1600% | 284 |
| Efficiency ratio | 62.1389% | 4,204 |
| Assets per employee ($millions) | 5.3929% | 1,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 2,861 |
| Loan loss allowance to noncurrent loans | 45.4012% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 2.4079% | 583 |
| Noncurrent loans to loans | 2.7876% | 577 |
| Net loans and leases to total assets | 71.9176% | 2,209 |
| Net loans and leases to deposits | 83.3272% | 2,568 |
| Net loans and leases to core deposits | 95.7950% | 2,013 |
| Total domestic deposits to total assets | 86.3075% | 2,213 |
| Equity capital to assets | 13.1031% | 1,442 |
| Core capital (leverage) ratio | 12.4407% | 1,421 |
| Tier 1 risk-based capital ratio | 16.2396% | 2,532 |
| Total risk-based capital ratio | 17.4712% | 2,490 |
| Memoranda: | ||
| Average total assets | $150,352,500 | 3,532 |
| Average earning assets | $137,445,750 | 3,549 |
| Average equity | $19,221,000 | 3,265 |
| Average total loans | $108,625,250 | 3,242 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2531% | 2,322 |
| Cost of funding earning assets | 0.4413% | 2,647 |
| Net interest margin | 3.8117% | 2,266 |
| Noninterest income to average assets | 0.5022% | 3,173 |
| Noninterest expense to average assets | 2.5004% | 4,027 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9591% | 2,584 |
| Return on assets (ROA) | 0.9591% | 2,730 |
| Pretax return on assets | 1.4880% | 1,711 |
| Return on Equity (ROE) | 7.5659% | 3,224 |
| Retained earnings to average equity (ytd only) | 7.5659% | 1,353 |
| Net charge-offs to loans | 0.0222% | 3,049 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 93.0833% | 615 |
| Efficiency ratio | 62.6921% | 4,234 |
| Assets per employee ($millions) | 5.5839% | 1,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2398% | 3,135 |
| Loan loss allowance to noncurrent loans | 43.8847% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 2.4714% | 565 |
| Noncurrent loans to loans | 2.8250% | 555 |
| Net loans and leases to total assets | 73.1813% | 1,987 |
| Net loans and leases to deposits | 84.7403% | 2,377 |
| Net loans and leases to core deposits | 97.7479% | 1,826 |
| Total domestic deposits to total assets | 86.3595% | 2,236 |
| Equity capital to assets | 12.8837% | 1,571 |
| Core capital (leverage) ratio | 12.0252% | 1,612 |
| Tier 1 risk-based capital ratio | 15.9930% | 2,648 |
| Total risk-based capital ratio | 17.2274% | 2,591 |
| Memoranda: | ||
| Average total assets | $150,136,000 | 3,558 |
| Average earning assets | $137,312,670 | 3,575 |
| Average equity | $19,032,670 | 3,297 |
| Average total loans | $108,170,670 | 3,268 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2618% | 2,265 |
| Cost of funding earning assets | 0.4323% | 2,749 |
| Net interest margin | 3.8295% | 2,185 |
| Noninterest income to average assets | 0.4752% | 3,312 |
| Noninterest expense to average assets | 2.5337% | 3,967 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9318% | 2,597 |
| Return on assets (ROA) | 0.9318% | 2,701 |
| Pretax return on assets | 1.4417% | 1,770 |
| Return on Equity (ROE) | 7.4109% | 3,237 |
| Retained earnings to average equity (ytd only) | 7.4109% | 1,704 |
| Net charge-offs to loans | 0.0489% | 2,059 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 41.5385% | 993 |
| Efficiency ratio | 63.7340% | 4,166 |
| Assets per employee ($millions) | 5.1129% | 2,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2923% | 2,955 |
| Loan loss allowance to noncurrent loans | 45.5742% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 2.4340% | 623 |
| Noncurrent loans to loans | 2.8355% | 601 |
| Net loans and leases to total assets | 71.3490% | 2,138 |
| Net loans and leases to deposits | 82.6106% | 2,474 |
| Net loans and leases to core deposits | 115.8869% | 598 |
| Total domestic deposits to total assets | 86.3678% | 2,512 |
| Equity capital to assets | 12.8438% | 1,486 |
| Core capital (leverage) ratio | 12.0101% | 1,593 |
| Tier 1 risk-based capital ratio | 16.3550% | 2,539 |
| Total risk-based capital ratio | 17.6115% | 2,491 |
| Memoranda: | ||
| Average total assets | $149,822,000 | 3,583 |
| Average earning assets | $136,938,500 | 3,599 |
| Average equity | $18,837,000 | 3,322 |
| Average total loans | $106,398,000 | 3,303 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3175% | 2,167 |
| Cost of funding earning assets | 0.4507% | 2,623 |
| Net interest margin | 3.8669% | 2,141 |
| Noninterest income to average assets | 0.6016% | 2,705 |
| Noninterest expense to average assets | 2.6890% | 3,616 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9266% | 2,720 |
| Return on assets (ROA) | 0.9321% | 2,777 |
| Pretax return on assets | 1.4455% | 1,741 |
| Return on Equity (ROE) | 7.8759% | 3,020 |
| Retained earnings to average equity (ytd only) | 7.8759% | 958 |
| Net charge-offs to loans | -0.0210% | 5,281 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1723% | 4,054 |
| Assets per employee ($millions) | 5.2197% | 2,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3236% | 2,779 |
| Loan loss allowance to noncurrent loans | 138.8282% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 1.0418% | 2,104 |
| Noncurrent loans to loans | 0.9534% | 2,426 |
| Net loans and leases to total assets | 68.8518% | 2,565 |
| Net loans and leases to deposits | 79.0967% | 2,931 |
| Net loans and leases to core deposits | 90.8276% | 2,331 |
| Total domestic deposits to total assets | 87.0476% | 2,104 |
| Equity capital to assets | 12.3076% | 1,735 |
| Core capital (leverage) ratio | 11.3692% | 2,070 |
| Tier 1 risk-based capital ratio | 16.3226% | 2,557 |
| Total risk-based capital ratio | 17.5738% | 2,517 |
| Memoranda: | ||
| Average total assets | $151,916,800 | 3,541 |
| Average earning assets | $138,458,200 | 3,555 |
| Average equity | $17,979,000 | 3,385 |
| Average total loans | $109,534,000 | 3,206 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2727% | 2,322 |
| Cost of funding earning assets | 0.4523% | 2,658 |
| Net interest margin | 3.8204% | 2,303 |
| Noninterest income to average assets | 0.6305% | 2,583 |
| Noninterest expense to average assets | 2.5411% | 4,078 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0090% | 2,430 |
| Return on assets (ROA) | 1.0163% | 2,488 |
| Pretax return on assets | 1.5819% | 1,438 |
| Return on Equity (ROE) | 8.6735% | 2,749 |
| Retained earnings to average equity (ytd only) | 8.6735% | 1,014 |
| Net charge-offs to loans | -0.0253% | 5,282 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8042% | 4,604 |
| Assets per employee ($millions) | 5.1397% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 3,531 |
| Loan loss allowance to noncurrent loans | 37.0390% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 2.9111% | 538 |
| Noncurrent loans to loans | 3.3017% | 502 |
| Net loans and leases to total assets | 75.6506% | 1,439 |
| Net loans and leases to deposits | 86.9308% | 2,035 |
| Net loans and leases to core deposits | 101.9097% | 1,387 |
| Total domestic deposits to total assets | 87.0239% | 2,030 |
| Equity capital to assets | 12.3521% | 1,829 |
| Core capital (leverage) ratio | 11.4894% | 2,049 |
| Tier 1 risk-based capital ratio | 13.6731% | 4,041 |
| Total risk-based capital ratio | 14.7992% | 4,041 |
| Memoranda: | ||
| Average total assets | $152,053,500 | 3,569 |
| Average earning assets | $138,550,000 | 3,593 |
| Average equity | $17,816,250 | 3,433 |
| Average total loans | $110,512,750 | 3,219 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2025% | 2,535 |
| Cost of funding earning assets | 0.4534% | 2,686 |
| Net interest margin | 3.7491% | 2,515 |
| Noninterest income to average assets | 0.6403% | 2,525 |
| Noninterest expense to average assets | 2.4684% | 4,336 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0192% | 2,299 |
| Return on assets (ROA) | 1.0192% | 2,405 |
| Pretax return on assets | 1.5864% | 1,372 |
| Return on Equity (ROE) | 8.8546% | 2,631 |
| Retained earnings to average equity (ytd only) | 8.8546% | 976 |
| Net charge-offs to loans | -0.0348% | 5,385 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8766% | 4,851 |
| Assets per employee ($millions) | 4.8123% | 2,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 3,397 |
| Loan loss allowance to noncurrent loans | 84.1279% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 1.5424% | 1,581 |
| Noncurrent loans to loans | 1.5095% | 1,765 |
| Net loans and leases to total assets | 72.6468% | 1,874 |
| Net loans and leases to deposits | 83.1385% | 2,420 |
| Net loans and leases to core deposits | 124.3885% | 367 |
| Total domestic deposits to total assets | 87.3805% | 1,977 |
| Equity capital to assets | 12.0718% | 1,973 |
| Core capital (leverage) ratio | 11.0308% | 2,393 |
| Tier 1 risk-based capital ratio | 15.4315% | 3,142 |
| Total risk-based capital ratio | 16.6831% | 3,079 |
| Memoranda: | ||
| Average total assets | $153,054,330 | 3,580 |
| Average earning assets | $139,391,670 | 3,612 |
| Average equity | $17,618,000 | 3,476 |
| Average total loans | $109,299,000 | 3,265 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1680% | 2,574 |
| Cost of funding earning assets | 0.4480% | 2,785 |
| Net interest margin | 3.7200% | 2,557 |
| Noninterest income to average assets | 0.4129% | 3,897 |
| Noninterest expense to average assets | 2.3898% | 4,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9084% | 2,706 |
| Return on assets (ROA) | 0.9084% | 2,831 |
| Pretax return on assets | 1.4091% | 1,858 |
| Return on Equity (ROE) | 8.0815% | 2,917 |
| Retained earnings to average equity (ytd only) | 8.0815% | 1,540 |
| Net charge-offs to loans | -0.0587% | 5,607 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9076% | 4,638 |
| Assets per employee ($millions) | 5.0201% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2730% | 3,562 |
| Loan loss allowance to noncurrent loans | 248.3929% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.8552% | 2,939 |
| Noncurrent loans to loans | 0.5125% | 4,039 |
| Net loans and leases to total assets | 71.6287% | 1,874 |
| Net loans and leases to deposits | 81.6493% | 2,380 |
| Net loans and leases to core deposits | 120.0866% | 412 |
| Total domestic deposits to total assets | 87.7273% | 1,971 |
| Equity capital to assets | 11.7063% | 2,285 |
| Core capital (leverage) ratio | 10.6756% | 2,770 |
| Tier 1 risk-based capital ratio | 15.0319% | 3,414 |
| Total risk-based capital ratio | 15.0319% | 4,080 |
| Memoranda: | ||
| Average total assets | $154,990,500 | 3,576 |
| Average earning assets | $141,076,500 | 3,605 |
| Average equity | $17,422,500 | 3,532 |
| Average total loans | $109,063,500 | 3,278 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3408% | 2,458 |
| Cost of funding earning assets | 0.4683% | 2,993 |
| Net interest margin | 3.8724% | 2,348 |
| Noninterest income to average assets | 0.5516% | 3,168 |
| Noninterest expense to average assets | 2.5449% | 4,410 |
| Loan and lease loss provision to assets | 0.1352% | 1,937 |
| Net operating income to assets | 0.9052% | 2,846 |
| Return on assets (ROA) | 0.9061% | 2,928 |
| Pretax return on assets | 1.3984% | 1,892 |
| Return on Equity (ROE) | 8.2298% | 3,007 |
| Retained earnings to average equity (ytd only) | 8.2298% | 940 |
| Net charge-offs to loans | 0.0314% | 4,198 |
| Credit loss provision to net charge-offs | 615.1515% | 429 |
| Earnings coverage of net charge-offs (x) | 69.6970% | 709 |
| Efficiency ratio | 62.4183% | 4,839 |
| Assets per employee ($millions) | 4.6876% | 2,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 3,642 |
| Loan loss allowance to noncurrent loans | 935.3741% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.5490% | 3,968 |
| Noncurrent loans to loans | 0.1350% | 5,353 |
| Net loans and leases to total assets | 67.4409% | 2,658 |
| Net loans and leases to deposits | 75.9291% | 3,207 |
| Net loans and leases to core deposits | 87.5978% | 2,542 |
| Total domestic deposits to total assets | 88.8209% | 1,345 |
| Equity capital to assets | 10.8014% | 3,119 |
| Core capital (leverage) ratio | 11.1682% | 2,245 |
| Tier 1 risk-based capital ratio | 15.9183% | 3,006 |
| Total risk-based capital ratio | 17.1692% | 2,950 |
| Memoranda: | ||
| Average total assets | $150,101,800 | 3,633 |
| Average earning assets | $136,658,200 | 3,648 |
| Average equity | $16,525,400 | 3,600 |
| Average total loans | $104,992,000 | 3,324 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3169% | 2,553 |
| Cost of funding earning assets | 0.4719% | 3,038 |
| Net interest margin | 3.8449% | 2,453 |
| Noninterest income to average assets | 0.5567% | 3,158 |
| Noninterest expense to average assets | 2.5325% | 4,423 |
| Loan and lease loss provision to assets | 0.1065% | 2,262 |
| Net operating income to assets | 0.9175% | 2,831 |
| Return on assets (ROA) | 0.9175% | 2,932 |
| Pretax return on assets | 1.4165% | 1,942 |
| Return on Equity (ROE) | 8.2919% | 3,043 |
| Retained earnings to average equity (ytd only) | 8.2919% | 1,225 |
| Net charge-offs to loans | 0.0282% | 3,923 |
| Credit loss provision to net charge-offs | 536.3636% | 539 |
| Earnings coverage of net charge-offs (x) | 76.7341% | 726 |
| Efficiency ratio | 62.4472% | 4,819 |
| Assets per employee ($millions) | 4.5019% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1473% | 4,515 |
| Loan loss allowance to noncurrent loans | 1,172.0721% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.8313% | 3,340 |
| Noncurrent loans to loans | 0.0979% | 5,652 |
| Net loans and leases to total assets | 75.4547% | 1,297 |
| Net loans and leases to deposits | 85.6029% | 1,954 |
| Net loans and leases to core deposits | 99.5100% | 1,412 |
| Total domestic deposits to total assets | 88.1450% | 1,692 |
| Equity capital to assets | 11.3441% | 2,634 |
| Core capital (leverage) ratio | 11.5637% | 2,010 |
| Tier 1 risk-based capital ratio | 14.9855% | 3,601 |
| Total risk-based capital ratio | 16.1437% | 3,585 |
| Memoranda: | ||
| Average total assets | $147,782,750 | 3,696 |
| Average earning assets | $134,477,250 | 3,715 |
| Average equity | $16,353,000 | 3,641 |
| Average total loans | $104,024,750 | 3,372 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1920% | 2,978 |
| Cost of funding earning assets | 0.4724% | 3,091 |
| Net interest margin | 3.7196% | 2,882 |
| Noninterest income to average assets | 0.5613% | 3,044 |
| Noninterest expense to average assets | 2.5271% | 4,491 |
| Loan and lease loss provision to assets | 0.0108% | 4,028 |
| Net operating income to assets | 0.9138% | 2,737 |
| Return on assets (ROA) | 0.9138% | 2,836 |
| Pretax return on assets | 1.4072% | 1,866 |
| Return on Equity (ROE) | 8.3280% | 2,922 |
| Retained earnings to average equity (ytd only) | 8.3280% | 1,198 |
| Net charge-offs to loans | 0.0337% | 3,534 |
| Credit loss provision to net charge-offs | 47.0588% | 2,836 |
| Earnings coverage of net charge-offs (x) | 61.5294% | 792 |
| Efficiency ratio | 64.0550% | 4,678 |
| Assets per employee ($millions) | 4.4647% | 2,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 4,881 |
| Loan loss allowance to noncurrent loans | 207.8261% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.8946% | 3,308 |
| Noncurrent loans to loans | 0.5320% | 4,416 |
| Net loans and leases to total assets | 72.5467% | 1,641 |
| Net loans and leases to deposits | 82.2320% | 2,223 |
| Net loans and leases to core deposits | 95.6517% | 1,632 |
| Total domestic deposits to total assets | 88.2220% | 1,775 |
| Equity capital to assets | 11.2248% | 2,674 |
| Core capital (leverage) ratio | 11.2038% | 2,239 |
| Tier 1 risk-based capital ratio | 15.5595% | 3,326 |
| Total risk-based capital ratio | 16.6873% | 3,331 |
| Memoranda: | ||
| Average total assets | $147,523,000 | 3,718 |
| Average earning assets | $134,206,670 | 3,740 |
| Average equity | $16,186,330 | 3,662 |
| Average total loans | $100,900,330 | 3,440 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0343% | 3,544 |
| Cost of funding earning assets | 0.4732% | 3,196 |
| Net interest margin | 3.5611% | 3,427 |
| Noninterest income to average assets | 0.4606% | 3,707 |
| Noninterest expense to average assets | 2.4902% | 4,657 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7696% | 3,311 |
| Return on assets (ROA) | 0.7696% | 3,393 |
| Pretax return on assets | 1.1923% | 2,513 |
| Return on Equity (ROE) | 7.0953% | 3,417 |
| Retained earnings to average equity (ytd only) | 7.0953% | 1,989 |
| Net charge-offs to loans | -0.0041% | 4,785 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6233% | 4,243 |
| Assets per employee ($millions) | 4.3001% | 3,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 4,514 |
| Loan loss allowance to noncurrent loans | 233.9806% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.8604% | 3,579 |
| Noncurrent loans to loans | 0.5240% | 4,603 |
| Net loans and leases to total assets | 66.4038% | 2,499 |
| Net loans and leases to deposits | 75.1473% | 2,926 |
| Net loans and leases to core deposits | 111.0482% | 549 |
| Total domestic deposits to total assets | 88.3649% | 2,015 |
| Equity capital to assets | 11.0312% | 2,690 |
| Core capital (leverage) ratio | 10.9068% | 2,480 |
| Tier 1 risk-based capital ratio | 16.5209% | 2,889 |
| Total risk-based capital ratio | 17.7578% | 2,862 |
| Memoranda: | ||
| Average total assets | $147,617,500 | 3,740 |
| Average earning assets | $133,553,500 | 3,773 |
| Average equity | $16,010,500 | 3,694 |
| Average total loans | $97,310,000 | 3,529 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2500% | 3,152 |
| Cost of funding earning assets | 0.4979% | 3,638 |
| Net interest margin | 3.7521% | 2,839 |
| Noninterest income to average assets | 0.7734% | 2,193 |
| Noninterest expense to average assets | 2.6448% | 4,298 |
| Loan and lease loss provision to assets | 0.0709% | 3,706 |
| Net operating income to assets | 0.8896% | 2,834 |
| Return on assets (ROA) | 0.8896% | 2,925 |
| Pretax return on assets | 1.3802% | 1,865 |
| Return on Equity (ROE) | 8.2042% | 2,923 |
| Retained earnings to average equity (ytd only) | 8.2042% | 989 |
| Net charge-offs to loans | -0.0142% | 6,077 |
| Credit loss provision to net charge-offs | -769.2308% | 6,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5725% | 4,802 |
| Assets per employee ($millions) | 4.2580% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 4,388 |
| Loan loss allowance to noncurrent loans | 211.9718% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.9964% | 3,420 |
| Noncurrent loans to loans | 0.5896% | 4,512 |
| Net loans and leases to total assets | 63.8297% | 3,067 |
| Net loans and leases to deposits | 71.7120% | 3,564 |
| Net loans and leases to core deposits | 98.8723% | 1,246 |
| Total domestic deposits to total assets | 89.0083% | 1,616 |
| Equity capital to assets | 10.6642% | 2,964 |
| Core capital (leverage) ratio | 11.1526% | 2,233 |
| Tier 1 risk-based capital ratio | 16.3833% | 2,909 |
| Total risk-based capital ratio | 17.6263% | 2,872 |
| Memoranda: | ||
| Average total assets | $141,070,200 | 3,857 |
| Average earning assets | $124,918,000 | 3,952 |
| Average equity | $15,297,000 | 3,813 |
| Average total loans | $91,756,200 | 3,648 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2671% | 3,124 |
| Cost of funding earning assets | 0.5118% | 3,652 |
| Net interest margin | 3.7553% | 2,822 |
| Noninterest income to average assets | 0.8062% | 2,113 |
| Noninterest expense to average assets | 2.6996% | 4,022 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9107% | 2,776 |
| Return on assets (ROA) | 0.9107% | 2,883 |
| Pretax return on assets | 1.4198% | 1,869 |
| Return on Equity (ROE) | 8.3618% | 2,936 |
| Retained earnings to average equity (ytd only) | 8.3618% | 1,262 |
| Net charge-offs to loans | -0.0147% | 5,972 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5341% | 4,569 |
| Assets per employee ($millions) | 3.9342% | 3,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 5,259 |
| Loan loss allowance to noncurrent loans | 196.6071% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 1.2253% | 3,187 |
| Noncurrent loans to loans | 0.5687% | 4,782 |
| Net loans and leases to total assets | 72.7864% | 1,485 |
| Net loans and leases to deposits | 84.2560% | 1,847 |
| Net loans and leases to core deposits | 109.7074% | 587 |
| Total domestic deposits to total assets | 86.3872% | 3,036 |
| Equity capital to assets | 11.6728% | 2,149 |
| Core capital (leverage) ratio | 12.0678% | 1,631 |
| Tier 1 risk-based capital ratio | 15.5638% | 3,444 |
| Total risk-based capital ratio | 16.6648% | 3,467 |
| Memoranda: | ||
| Average total assets | $139,080,000 | 3,930 |
| Average earning assets | $122,702,500 | 4,042 |
| Average equity | $15,148,000 | 3,888 |
| Average total loans | $90,612,750 | 3,702 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0529% | 3,914 |
| Cost of funding earning assets | 0.5136% | 3,772 |
| Net interest margin | 3.5393% | 3,614 |
| Noninterest income to average assets | 0.8662% | 1,938 |
| Noninterest expense to average assets | 2.6098% | 4,343 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8946% | 2,828 |
| Return on assets (ROA) | 0.8946% | 2,971 |
| Pretax return on assets | 1.3972% | 1,941 |
| Return on Equity (ROE) | 8.4041% | 2,898 |
| Retained earnings to average equity (ytd only) | 8.4041% | 1,333 |
| Net charge-offs to loans | -0.0182% | 5,946 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1311% | 4,686 |
| Assets per employee ($millions) | 4.0467% | 3,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 5,059 |
| Loan loss allowance to noncurrent loans | 188.1849% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 1.3389% | 3,094 |
| Noncurrent loans to loans | 0.6305% | 4,678 |
| Net loans and leases to total assets | 68.5345% | 2,141 |
| Net loans and leases to deposits | 77.7367% | 2,602 |
| Net loans and leases to core deposits | 101.8666% | 949 |
| Total domestic deposits to total assets | 88.1623% | 2,129 |
| Equity capital to assets | 11.4393% | 2,344 |
| Core capital (leverage) ratio | 11.4266% | 2,002 |
| Tier 1 risk-based capital ratio | 16.0171% | 3,180 |
| Total risk-based capital ratio | 17.1720% | 3,183 |
| Memoranda: | ||
| Average total assets | $140,852,000 | 3,930 |
| Average earning assets | $124,997,330 | 4,015 |
| Average equity | $14,992,670 | 3,948 |
| Average total loans | $87,996,000 | 3,768 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8720% | 4,577 |
| Cost of funding earning assets | 0.5140% | 3,934 |
| Net interest margin | 3.3580% | 4,280 |
| Noninterest income to average assets | 0.7833% | 2,196 |
| Noninterest expense to average assets | 2.4580% | 4,922 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8359% | 2,971 |
| Return on assets (ROA) | 0.8359% | 3,117 |
| Pretax return on assets | 1.3093% | 2,201 |
| Return on Equity (ROE) | 8.1341% | 2,902 |
| Retained earnings to average equity (ytd only) | 8.1341% | 1,698 |
| Net charge-offs to loans | -0.0140% | 5,566 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2461% | 4,787 |
| Assets per employee ($millions) | 4.4046% | 3,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 4,801 |
| Loan loss allowance to noncurrent loans | 208.7786% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 1.3069% | 3,350 |
| Noncurrent loans to loans | 0.6128% | 4,911 |
| Net loans and leases to total assets | 59.8917% | 3,446 |
| Net loans and leases to deposits | 67.1367% | 3,894 |
| Net loans and leases to core deposits | 87.3219% | 1,975 |
| Total domestic deposits to total assets | 89.2086% | 1,553 |
| Equity capital to assets | 10.6417% | 3,387 |
| Core capital (leverage) ratio | 10.7332% | 2,513 |
| Tier 1 risk-based capital ratio | 16.2039% | 3,157 |
| Total risk-based capital ratio | 17.3923% | 3,140 |
| Memoranda: | ||
| Average total assets | $144,508,000 | 3,903 |
| Average earning assets | $128,408,500 | 3,975 |
| Average equity | $14,851,000 | 4,025 |
| Average total loans | $85,684,000 | 3,850 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7613% | 2,359 |
| Cost of funding earning assets | 0.5832% | 4,507 |
| Net interest margin | 4.1780% | 1,718 |
| Noninterest income to average assets | 0.9310% | 1,768 |
| Noninterest expense to average assets | 3.1865% | 2,659 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9093% | 2,773 |
| Return on assets (ROA) | 0.9093% | 3,011 |
| Pretax return on assets | 1.4183% | 1,972 |
| Return on Equity (ROE) | 8.2985% | 2,964 |
| Retained earnings to average equity (ytd only) | 8.2985% | 1,031 |
| Net charge-offs to loans | 0.0931% | 4,743 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 22.8500% | 1,242 |
| Efficiency ratio | 69.1997% | 3,941 |
| Assets per employee ($millions) | 4.3550% | 3,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 4,778 |
| Loan loss allowance to noncurrent loans | 125.8362% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 1.9943% | 2,459 |
| Noncurrent loans to loans | 1.0098% | 4,174 |
| Net loans and leases to total assets | 57.2486% | 4,092 |
| Net loans and leases to deposits | 63.7689% | 4,563 |
| Net loans and leases to core deposits | 81.1643% | 2,863 |
| Total domestic deposits to total assets | 89.7751% | 1,084 |
| Equity capital to assets | 9.9298% | 4,267 |
| Core capital (leverage) ratio | 10.4111% | 2,873 |
| Tier 1 risk-based capital ratio | 15.5806% | 3,385 |
| Total risk-based capital ratio | 16.7440% | 3,387 |
| Memoranda: | ||
| Average total assets | $128,887,000 | 4,167 |
| Average earning assets | $113,331,000 | 4,268 |
| Average equity | $14,123,000 | 4,134 |
| Average total loans | $85,890,600 | 3,849 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9627% | 1,796 |
| Cost of funding earning assets | 0.6038% | 4,605 |
| Net interest margin | 4.3589% | 1,322 |
| Noninterest income to average assets | 0.8896% | 1,871 |
| Noninterest expense to average assets | 3.2599% | 2,393 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9358% | 2,813 |
| Return on assets (ROA) | 0.9358% | 3,034 |
| Pretax return on assets | 1.4612% | 2,036 |
| Return on Equity (ROE) | 8.3081% | 3,130 |
| Retained earnings to average equity (ytd only) | 8.3081% | 1,489 |
| Net charge-offs to loans | 0.0078% | 5,615 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 271.8576% | 170 |
| Efficiency ratio | 69.0487% | 3,872 |
| Assets per employee ($millions) | 3.8477% | 4,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 4,988 |
| Loan loss allowance to noncurrent loans | 57.4951% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 2.7151% | 1,945 |
| Noncurrent loans to loans | 2.1970% | 2,623 |
| Net loans and leases to total assets | 69.6672% | 1,979 |
| Net loans and leases to deposits | 86.0761% | 1,590 |
| Net loans and leases to core deposits | 106.1100% | 734 |
| Total domestic deposits to total assets | 80.9367% | 5,381 |
| Equity capital to assets | 11.0280% | 3,242 |
| Core capital (leverage) ratio | 11.0697% | 2,321 |
| Tier 1 risk-based capital ratio | 14.8093% | 3,975 |
| Total risk-based capital ratio | 16.0166% | 3,961 |
| Memoranda: | ||
| Average total assets | $124,091,250 | 4,309 |
| Average earning assets | $109,077,500 | 4,420 |
| Average equity | $13,978,000 | 4,196 |
| Average total loans | $85,898,500 | 3,892 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9578% | 1,906 |
| Cost of funding earning assets | 0.6207% | 4,714 |
| Net interest margin | 4.3371% | 1,373 |
| Noninterest income to average assets | 0.8650% | 1,910 |
| Noninterest expense to average assets | 3.1892% | 2,627 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9619% | 2,612 |
| Return on assets (ROA) | 0.9619% | 2,858 |
| Pretax return on assets | 1.4953% | 1,860 |
| Return on Equity (ROE) | 8.4754% | 3,027 |
| Retained earnings to average equity (ytd only) | 8.4754% | 1,458 |
| Net charge-offs to loans | -0.0024% | 6,101 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0799% | 4,102 |
| Assets per employee ($millions) | 3.7670% | 4,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 4,847 |
| Loan loss allowance to noncurrent loans | 60.9148% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 2.8483% | 1,933 |
| Noncurrent loans to loans | 2.1524% | 2,761 |
| Net loans and leases to total assets | 68.8773% | 2,126 |
| Net loans and leases to deposits | 77.6946% | 2,723 |
| Net loans and leases to core deposits | 93.5790% | 1,649 |
| Total domestic deposits to total assets | 88.6514% | 1,738 |
| Equity capital to assets | 11.0340% | 3,080 |
| Core capital (leverage) ratio | 11.2219% | 2,107 |
| Tier 1 risk-based capital ratio | 15.0688% | 3,726 |
| Total risk-based capital ratio | 16.3191% | 3,682 |
| Memoranda: | ||
| Average total assets | $121,847,670 | 4,379 |
| Average earning assets | $107,306,000 | 4,478 |
| Average equity | $13,828,330 | 4,227 |
| Average total loans | $83,762,670 | 3,987 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0810% | 1,632 |
| Cost of funding earning assets | 0.6390% | 4,825 |
| Net interest margin | 4.4420% | 1,126 |
| Noninterest income to average assets | 0.9366% | 1,609 |
| Noninterest expense to average assets | 3.2173% | 2,546 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0241% | 2,387 |
| Return on assets (ROA) | 1.0241% | 2,575 |
| Pretax return on assets | 1.6070% | 1,549 |
| Return on Equity (ROE) | 8.8912% | 2,871 |
| Retained earnings to average equity (ytd only) | 8.8912% | 1,626 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6899% | 4,429 |
| Assets per employee ($millions) | 3.5871% | 4,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4091% | 4,574 |
| Loan loss allowance to noncurrent loans | 115.9406% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 2.2876% | 2,603 |
| Noncurrent loans to loans | 1.2154% | 4,303 |
| Net loans and leases to total assets | 67.1761% | 2,263 |
| Net loans and leases to deposits | 76.1035% | 2,782 |
| Net loans and leases to core deposits | 88.7562% | 1,975 |
| Total domestic deposits to total assets | 88.2694% | 2,150 |
| Equity capital to assets | 11.3305% | 2,596 |
| Core capital (leverage) ratio | 11.3154% | 2,020 |
| Tier 1 risk-based capital ratio | 15.9583% | 3,197 |
| Total risk-based capital ratio | 17.2089% | 3,164 |
| Memoranda: | ||
| Average total assets | $118,733,000 | 4,480 |
| Average earning assets | $103,916,500 | 4,600 |
| Average equity | $13,676,500 | 4,264 |
| Average total loans | $80,950,000 | 4,094 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8426% | 585 |
| Cost of funding earning assets | 0.7411% | 5,274 |
| Net interest margin | 5.1015% | 339 |
| Noninterest income to average assets | 1.0094% | 1,346 |
| Noninterest expense to average assets | 3.6925% | 1,551 |
| Loan and lease loss provision to assets | 0.1912% | 4,272 |
| Net operating income to assets | 0.9741% | 2,303 |
| Return on assets (ROA) | 0.9759% | 2,433 |
| Pretax return on assets | 1.5370% | 1,375 |
| Return on Equity (ROE) | 7.8444% | 2,990 |
| Retained earnings to average equity (ytd only) | 7.8444% | 1,134 |
| Net charge-offs to loans | 0.2319% | 4,330 |
| Credit loss provision to net charge-offs | 109.8901% | 3,052 |
| Earnings coverage of net charge-offs (x) | 9.9176% | 1,909 |
| Efficiency ratio | 68.1546% | 4,328 |
| Assets per employee ($millions) | 3.3971% | 5,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4861% | 4,089 |
| Loan loss allowance to noncurrent loans | 159.3197% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 2.2008% | 2,738 |
| Noncurrent loans to loans | 0.9328% | 4,832 |
| Net loans and leases to total assets | 67.2086% | 2,538 |
| Net loans and leases to deposits | 76.6870% | 3,060 |
| Net loans and leases to core deposits | 88.0426% | 2,370 |
| Total domestic deposits to total assets | 87.6401% | 2,375 |
| Equity capital to assets | 11.7174% | 2,325 |
| Core capital (leverage) ratio | 11.8005% | 1,708 |
| Tier 1 risk-based capital ratio | 15.8681% | 3,114 |
| Total risk-based capital ratio | 17.1180% | 3,082 |
| Memoranda: | ||
| Average total assets | $104,618,800 | 4,773 |
| Average earning assets | $90,404,200 | 4,923 |
| Average equity | $13,015,600 | 4,338 |
| Average total loans | $78,494,200 | 4,193 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9938% | 467 |
| Cost of funding earning assets | 0.7903% | 5,213 |
| Net interest margin | 5.2035% | 287 |
| Noninterest income to average assets | 1.0049% | 1,327 |
| Noninterest expense to average assets | 3.7632% | 1,376 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1071% | 1,942 |
| Return on assets (ROA) | 1.1096% | 2,073 |
| Pretax return on assets | 1.7429% | 1,055 |
| Return on Equity (ROE) | 8.7742% | 2,698 |
| Retained earnings to average equity (ytd only) | 8.7742% | 1,225 |
| Net charge-offs to loans | 0.2057% | 4,153 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 10.9835% | 1,855 |
| Efficiency ratio | 68.3948% | 4,238 |
| Assets per employee ($millions) | 2.9502% | 6,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2446% | 5,276 |
| Loan loss allowance to noncurrent loans | 102.3810% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 2.6856% | 2,412 |
| Noncurrent loans to loans | 1.2156% | 4,518 |
| Net loans and leases to total assets | 79.3058% | 581 |
| Net loans and leases to deposits | 93.9180% | 843 |
| Net loans and leases to core deposits | 107.8481% | 774 |
| Total domestic deposits to total assets | 84.4416% | 4,037 |
| Equity capital to assets | 12.9174% | 1,657 |
| Core capital (leverage) ratio | 12.8820% | 1,268 |
| Tier 1 risk-based capital ratio | 15.5890% | 3,338 |
| Total risk-based capital ratio | 16.8040% | 3,316 |
| Memoranda: | ||
| Average total assets | $101,897,750 | 4,872 |
| Average earning assets | $88,066,500 | 5,025 |
| Average equity | $12,886,000 | 4,371 |
| Average total loans | $78,418,000 | 4,228 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9165% | 558 |
| Cost of funding earning assets | 0.8325% | 5,180 |
| Net interest margin | 5.0839% | 343 |
| Noninterest income to average assets | 0.9542% | 1,450 |
| Noninterest expense to average assets | 3.8326% | 1,305 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9779% | 2,320 |
| Return on assets (ROA) | 0.9779% | 2,420 |
| Pretax return on assets | 1.5279% | 1,446 |
| Return on Equity (ROE) | 7.7894% | 3,051 |
| Retained earnings to average equity (ytd only) | 7.7894% | 1,536 |
| Net charge-offs to loans | 0.3172% | 3,286 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 6.3525% | 2,413 |
| Efficiency ratio | 71.4969% | 3,824 |
| Assets per employee ($millions) | 2.8334% | 6,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 5,138 |
| Loan loss allowance to noncurrent loans | 143.1944% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 2.4950% | 2,672 |
| Noncurrent loans to loans | 0.8961% | 5,173 |
| Net loans and leases to total assets | 77.7573% | 809 |
| Net loans and leases to deposits | 91.7604% | 1,083 |
| Net loans and leases to core deposits | 104.4224% | 1,017 |
| Total domestic deposits to total assets | 84.7395% | 3,998 |
| Equity capital to assets | 12.7154% | 1,663 |
| Core capital (leverage) ratio | 12.8085% | 1,245 |
| Tier 1 risk-based capital ratio | 15.4136% | 3,286 |
| Total risk-based capital ratio | 16.6471% | 3,242 |
| Memoranda: | ||
| Average total assets | $101,445,000 | 4,918 |
| Average earning assets | $87,924,000 | 5,065 |
| Average equity | $12,735,330 | 4,395 |
| Average total loans | $76,917,330 | 4,316 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7099% | 863 |
| Cost of funding earning assets | 0.8970% | 4,946 |
| Net interest margin | 4.8129% | 556 |
| Noninterest income to average assets | 1.0715% | 1,142 |
| Noninterest expense to average assets | 3.6376% | 1,684 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0280% | 2,079 |
| Return on assets (ROA) | 1.0280% | 2,126 |
| Pretax return on assets | 1.6132% | 1,157 |
| Return on Equity (ROE) | 8.2422% | 2,807 |
| Retained earnings to average equity (ytd only) | 8.2422% | 1,641 |
| Net charge-offs to loans | -0.0160% | 6,498 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2771% | 4,419 |
| Assets per employee ($millions) | 3.0512% | 6,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5052% | 4,181 |
| Loan loss allowance to noncurrent loans | 45.5477% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 3.3675% | 2,026 |
| Noncurrent loans to loans | 3.3048% | 2,274 |
| Net loans and leases to total assets | 77.4719% | 807 |
| Net loans and leases to deposits | 89.5882% | 1,279 |
| Net loans and leases to core deposits | 102.6127% | 1,155 |
| Total domestic deposits to total assets | 86.4756% | 3,252 |
| Equity capital to assets | 13.0523% | 1,361 |
| Core capital (leverage) ratio | 12.7423% | 1,219 |
| Tier 1 risk-based capital ratio | 15.9256% | 2,936 |
| Total risk-based capital ratio | 17.1785% | 2,910 |
| Memoranda: | ||
| Average total assets | $101,166,500 | 4,974 |
| Average earning assets | $87,848,000 | 5,096 |
| Average equity | $12,618,000 | 4,413 |
| Average total loans | $75,203,500 | 4,416 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0276% | 802 |
| Cost of funding earning assets | 1.3828% | 3,374 |
| Net interest margin | 4.6448% | 917 |
| Noninterest income to average assets | 0.9209% | 1,776 |
| Noninterest expense to average assets | 3.5414% | 2,069 |
| Loan and lease loss provision to assets | 0.1877% | 5,351 |
| Net operating income to assets | 0.7646% | 2,939 |
| Return on assets (ROA) | 0.8231% | 2,842 |
| Pretax return on assets | 1.2747% | 2,000 |
| Return on Equity (ROE) | 6.8308% | 3,196 |
| Retained earnings to average equity (ytd only) | 6.8308% | 1,397 |
| Net charge-offs to loans | 0.2407% | 4,843 |
| Credit loss provision to net charge-offs | 104.9724% | 4,274 |
| Earnings coverage of net charge-offs (x) | 7.6740% | 2,085 |
| Efficiency ratio | 72.0692% | 3,781 |
| Assets per employee ($millions) | 3.4898% | 4,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5664% | 3,714 |
| Loan loss allowance to noncurrent loans | 45.6634% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 3.9400% | 1,731 |
| Noncurrent loans to loans | 3.4303% | 2,212 |
| Net loans and leases to total assets | 69.2067% | 2,722 |
| Net loans and leases to deposits | 78.9978% | 3,338 |
| Net loans and leases to core deposits | 89.6877% | 2,811 |
| Total domestic deposits to total assets | 87.6059% | 2,478 |
| Equity capital to assets | 11.9318% | 1,951 |
| Core capital (leverage) ratio | 11.6694% | 1,748 |
| Tier 1 risk-based capital ratio | 15.7100% | 2,889 |
| Total risk-based capital ratio | 16.9617% | 2,851 |
| Memoranda: | ||
| Average total assets | $101,204,000 | 4,950 |
| Average earning assets | $87,000,400 | 5,116 |
| Average equity | $12,194,800 | 4,557 |
| Average total loans | $75,211,200 | 4,478 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1651% | 664 |
| Cost of funding earning assets | 1.4627% | 3,204 |
| Net interest margin | 4.7025% | 842 |
| Noninterest income to average assets | 0.7987% | 2,240 |
| Noninterest expense to average assets | 3.5641% | 1,868 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8237% | 2,905 |
| Return on assets (ROA) | 0.9023% | 2,747 |
| Pretax return on assets | 1.3887% | 1,908 |
| Return on Equity (ROE) | 7.4692% | 3,118 |
| Retained earnings to average equity (ytd only) | 7.4692% | 1,609 |
| Net charge-offs to loans | 0.0459% | 6,077 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 36.6879% | 745 |
| Efficiency ratio | 73.7624% | 3,368 |
| Assets per employee ($millions) | 3.3152% | 5,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4358% | 4,281 |
| Loan loss allowance to noncurrent loans | 35.6619% | 5,951 |
| Noncurrent assets plus other real estate owned to assets | 3.9164% | 1,796 |
| Noncurrent loans to loans | 4.0261% | 1,860 |
| Net loans and leases to total assets | 74.6789% | 1,642 |
| Net loans and leases to deposits | 85.4428% | 2,447 |
| Net loans and leases to core deposits | 96.0551% | 2,253 |
| Total domestic deposits to total assets | 87.4022% | 2,317 |
| Equity capital to assets | 12.0140% | 2,152 |
| Core capital (leverage) ratio | 10.4903% | 2,700 |
| Tier 1 risk-based capital ratio | 15.0262% | 3,239 |
| Total risk-based capital ratio | 16.2779% | 3,225 |
| Memoranda: | ||
| Average total assets | $100,331,250 | 5,037 |
| Average earning assets | $86,051,750 | 5,204 |
| Average equity | $12,120,500 | 4,642 |
| Average total loans | $75,611,750 | 4,537 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1438% | 692 |
| Cost of funding earning assets | 1.5155% | 3,165 |
| Net interest margin | 4.6283% | 935 |
| Noninterest income to average assets | 0.7978% | 2,127 |
| Noninterest expense to average assets | 3.6054% | 1,767 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7614% | 3,145 |
| Return on assets (ROA) | 0.8802% | 2,750 |
| Pretax return on assets | 1.3525% | 1,942 |
| Return on Equity (ROE) | 7.2727% | 3,189 |
| Retained earnings to average equity (ytd only) | 7.2727% | 1,723 |
| Net charge-offs to loans | 0.0775% | 5,367 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 20.0690% | 1,233 |
| Efficiency ratio | 75.5051% | 3,159 |
| Assets per employee ($millions) | 2.8199% | 6,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4458% | 4,198 |
| Loan loss allowance to noncurrent loans | 37.1543% | 5,887 |
| Noncurrent assets plus other real estate owned to assets | 4.9038% | 1,321 |
| Noncurrent loans to loans | 3.8914% | 1,963 |
| Net loans and leases to total assets | 77.0056% | 1,292 |
| Net loans and leases to deposits | 88.3458% | 2,114 |
| Net loans and leases to core deposits | 99.5090% | 2,072 |
| Total domestic deposits to total assets | 87.1639% | 2,450 |
| Equity capital to assets | 12.4116% | 1,858 |
| Core capital (leverage) ratio | 12.3574% | 1,467 |
| Tier 1 risk-based capital ratio | 15.1012% | 3,106 |
| Total risk-based capital ratio | 16.3524% | 3,064 |
| Memoranda: | ||
| Average total assets | $99,517,670 | 5,093 |
| Average earning assets | $85,517,000 | 5,255 |
| Average equity | $12,045,000 | 4,667 |
| Average total loans | $74,860,000 | 4,608 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1151% | 759 |
| Cost of funding earning assets | 1.5195% | 3,425 |
| Net interest margin | 4.5956% | 958 |
| Noninterest income to average assets | 0.7846% | 2,097 |
| Noninterest expense to average assets | 3.3504% | 2,371 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8926% | 2,576 |
| Return on assets (ROA) | 0.8926% | 2,649 |
| Pretax return on assets | 1.3810% | 1,831 |
| Return on Equity (ROE) | 7.4691% | 3,127 |
| Retained earnings to average equity (ytd only) | 7.4691% | 1,938 |
| Net charge-offs to loans | -0.0543% | 7,367 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8122% | 4,153 |
| Assets per employee ($millions) | 3.3997% | 5,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5502% | 3,661 |
| Loan loss allowance to noncurrent loans | 70.8155% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 3.5493% | 1,976 |
| Noncurrent loans to loans | 2.1891% | 3,542 |
| Net loans and leases to total assets | 71.9184% | 2,464 |
| Net loans and leases to deposits | 81.9088% | 3,297 |
| Net loans and leases to core deposits | 91.7633% | 3,134 |
| Total domestic deposits to total assets | 87.8030% | 2,176 |
| Equity capital to assets | 11.8460% | 2,137 |
| Core capital (leverage) ratio | 10.3413% | 2,771 |
| Tier 1 risk-based capital ratio | 15.0809% | 3,076 |
| Total risk-based capital ratio | 16.3326% | 3,031 |
| Memoranda: | ||
| Average total assets | $99,927,500 | 5,152 |
| Average earning assets | $85,820,500 | 5,309 |
| Average equity | $11,942,500 | 4,728 |
| Average total loans | $73,731,000 | 4,725 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6267% | 533 |
| Cost of funding earning assets | 1.7264% | 4,374 |
| Net interest margin | 4.9002% | 556 |
| Noninterest income to average assets | 0.9142% | 1,889 |
| Noninterest expense to average assets | 3.6458% | 2,043 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.9485% | 2,010 |
| Return on assets (ROA) | 0.9485% | 2,064 |
| Pretax return on assets | 1.4626% | 1,283 |
| Return on Equity (ROE) | 8.3640% | 2,249 |
| Retained earnings to average equity (ytd only) | 8.3640% | 614 |
| Net charge-offs to loans | 0.0688% | 6,430 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 28.4510% | 804 |
| Efficiency ratio | 70.9353% | 4,451 |
| Assets per employee ($millions) | 3.1569% | 5,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5681% | 3,407 |
| Loan loss allowance to noncurrent loans | 120.0420% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 3.0451% | 2,292 |
| Noncurrent loans to loans | 1.3063% | 4,737 |
| Net loans and leases to total assets | 73.3801% | 2,410 |
| Net loans and leases to deposits | 83.7614% | 3,322 |
| Net loans and leases to core deposits | 116.7428% | 2,242 |
| Total domestic deposits to total assets | 87.6061% | 2,171 |
| Equity capital to assets | 12.0607% | 1,998 |
| Core capital (leverage) ratio | 11.6906% | 1,818 |
| Tier 1 risk-based capital ratio | 14.8425% | 3,030 |
| Total risk-based capital ratio | 16.0955% | 2,980 |
| Memoranda: | ||
| Average total assets | $99,210,000 | 5,103 |
| Average earning assets | $84,914,600 | 5,300 |
| Average equity | $11,250,600 | 4,959 |
| Average total loans | $74,114,400 | 4,726 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6118% | 603 |
| Cost of funding earning assets | 1.7511% | 4,630 |
| Net interest margin | 4.8607% | 606 |
| Noninterest income to average assets | 0.9550% | 1,763 |
| Noninterest expense to average assets | 3.6163% | 1,998 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9737% | 2,151 |
| Return on assets (ROA) | 0.9737% | 2,206 |
| Pretax return on assets | 1.5028% | 1,408 |
| Return on Equity (ROE) | 8.7227% | 2,366 |
| Retained earnings to average equity (ytd only) | 8.7227% | 917 |
| Net charge-offs to loans | 0.0502% | 6,216 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 40.0739% | 748 |
| Efficiency ratio | 70.1727% | 4,557 |
| Assets per employee ($millions) | 3.7283% | 4,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 3,303 |
| Loan loss allowance to noncurrent loans | 87.0896% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 3.7511% | 1,734 |
| Noncurrent loans to loans | 1.7516% | 3,990 |
| Net loans and leases to total assets | 74.8381% | 2,281 |
| Net loans and leases to deposits | 92.1687% | 2,206 |
| Net loans and leases to core deposits | 129.3238% | 1,475 |
| Total domestic deposits to total assets | 81.1969% | 4,998 |
| Equity capital to assets | 11.5344% | 2,555 |
| Core capital (leverage) ratio | 11.6347% | 2,003 |
| Tier 1 risk-based capital ratio | 13.8525% | 3,627 |
| Total risk-based capital ratio | 15.1028% | 3,575 |
| Memoranda: | ||
| Average total assets | $99,546,750 | 5,131 |
| Average earning assets | $85,280,250 | 5,327 |
| Average equity | $11,112,500 | 5,043 |
| Average total loans | $74,404,000 | 4,757 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5593% | 716 |
| Cost of funding earning assets | 1.8011% | 4,753 |
| Net interest margin | 4.7582% | 718 |
| Noninterest income to average assets | 0.8672% | 2,107 |
| Noninterest expense to average assets | 3.5554% | 2,178 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9055% | 2,436 |
| Return on assets (ROA) | 0.9055% | 2,535 |
| Pretax return on assets | 1.3875% | 1,761 |
| Return on Equity (ROE) | 8.2037% | 2,691 |
| Retained earnings to average equity (ytd only) | 8.2037% | 1,152 |
| Net charge-offs to loans | 0.0244% | 6,146 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 76.4444% | 504 |
| Efficiency ratio | 71.3586% | 4,531 |
| Assets per employee ($millions) | 3.2561% | 5,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5870% | 2,797 |
| Loan loss allowance to noncurrent loans | 41.8490% | 5,562 |
| Noncurrent assets plus other real estate owned to assets | 4.1420% | 1,401 |
| Noncurrent loans to loans | 3.7923% | 1,807 |
| Net loans and leases to total assets | 75.2895% | 2,368 |
| Net loans and leases to deposits | 91.8543% | 2,498 |
| Net loans and leases to core deposits | 128.1227% | 1,705 |
| Total domestic deposits to total assets | 81.9662% | 4,705 |
| Equity capital to assets | 11.5168% | 2,529 |
| Core capital (leverage) ratio | 11.4830% | 2,096 |
| Tier 1 risk-based capital ratio | 14.0536% | 3,485 |
| Total risk-based capital ratio | 15.3058% | 3,425 |
| Memoranda: | ||
| Average total assets | $99,174,330 | 5,186 |
| Average earning assets | $84,947,670 | 5,382 |
| Average equity | $10,946,330 | 5,103 |
| Average total loans | $73,704,670 | 4,818 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7761% | 504 |
| Cost of funding earning assets | 1.8836% | 4,722 |
| Net interest margin | 4.8926% | 511 |
| Noninterest income to average assets | 0.7006% | 2,891 |
| Noninterest expense to average assets | 3.3147% | 2,614 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0008% | 2,309 |
| Return on assets (ROA) | 1.0008% | 2,443 |
| Pretax return on assets | 1.5452% | 1,542 |
| Return on Equity (ROE) | 9.2640% | 2,621 |
| Retained earnings to average equity (ytd only) | 9.2640% | 1,407 |
| Net charge-offs to loans | -0.0984% | 7,871 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6277% | 5,037 |
| Assets per employee ($millions) | 3.2654% | 5,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6543% | 2,298 |
| Loan loss allowance to noncurrent loans | 41.8276% | 5,751 |
| Noncurrent assets plus other real estate owned to assets | 4.2078% | 1,193 |
| Noncurrent loans to loans | 3.9549% | 1,528 |
| Net loans and leases to total assets | 73.6140% | 2,866 |
| Net loans and leases to deposits | 88.2980% | 3,237 |
| Net loans and leases to core deposits | 117.3886% | 2,650 |
| Total domestic deposits to total assets | 83.3699% | 3,964 |
| Equity capital to assets | 11.1391% | 2,862 |
| Core capital (leverage) ratio | 10.9928% | 2,502 |
| Tier 1 risk-based capital ratio | 14.3126% | 3,425 |
| Total risk-based capital ratio | 14.3126% | 4,065 |
| Memoranda: | ||
| Average total assets | $99,920,000 | 5,184 |
| Average earning assets | $84,945,000 | 5,394 |
| Average equity | $10,794,500 | 5,163 |
| Average total loans | $73,191,500 | 4,865 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1185% | 884 |
| Cost of funding earning assets | 2.3880% | 4,772 |
| Net interest margin | 4.7305% | 911 |
| Noninterest income to average assets | 0.8006% | 2,511 |
| Noninterest expense to average assets | 3.1770% | 3,421 |
| Loan and lease loss provision to assets | 0.3138% | 3,864 |
| Net operating income to assets | 0.9139% | 2,941 |
| Return on assets (ROA) | 0.9139% | 2,792 |
| Pretax return on assets | 1.4018% | 1,968 |
| Return on Equity (ROE) | 8.8493% | 2,693 |
| Retained earnings to average equity (ytd only) | 8.8493% | 631 |
| Net charge-offs to loans | 0.0678% | 5,802 |
| Credit loss provision to net charge-offs | 645.8333% | 658 |
| Earnings coverage of net charge-offs (x) | 35.3125% | 1,028 |
| Efficiency ratio | 64.6463% | 5,407 |
| Assets per employee ($millions) | 3.3960% | 4,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6357% | 2,108 |
| Loan loss allowance to noncurrent loans | 38.0694% | 6,177 |
| Noncurrent assets plus other real estate owned to assets | 3.8075% | 1,118 |
| Noncurrent loans to loans | 4.2966% | 1,126 |
| Net loans and leases to total assets | 70.5366% | 3,897 |
| Net loans and leases to deposits | 87.5128% | 3,866 |
| Net loans and leases to core deposits | 116.7046% | 3,042 |
| Total domestic deposits to total assets | 80.6015% | 4,805 |
| Equity capital to assets | 10.4801% | 3,527 |
| Core capital (leverage) ratio | 10.6727% | 2,842 |
| Tier 1 risk-based capital ratio | 14.0176% | 3,541 |
| Total risk-based capital ratio | 14.0176% | 4,170 |
| Memoranda: | ||
| Average total assets | $98,804,600 | 5,092 |
| Average earning assets | $85,467,400 | 5,249 |
| Average equity | $10,204,200 | 5,341 |
| Average total loans | $70,798,600 | 4,834 |