Home > Bank of Little Rock > Performance and Condition Ratios
Bank of Little Rock, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4942% | 4,396 |
| Cost of funding earning assets | 1.3895% | 2,256 |
| Net interest margin | 2.1047% | 4,371 |
| Noninterest income to average assets | 1.5800% | 366 |
| Noninterest expense to average assets | 3.9884% | 368 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.2328% | 4,471 |
| Return on assets (ROA) | -0.2328% | 4,457 |
| Pretax return on assets | -0.4165% | 4,475 |
| Return on Equity (ROE) | -3.1800% | 4,444 |
| Retained earnings to average equity (ytd only) | -5.0300% | 4,392 |
| Net charge-offs to loans | 0.1855% | 579 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | -6.0245% | 4,545 |
| Efficiency ratio | 111.6603% | 102 |
| Assets per employee ($millions) | 4.6222% | 3,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0807% | 330 |
| Loan loss allowance to noncurrent loans | 212.7053% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.3851% | 1,436 |
| Noncurrent loans to loans | 0.9782% | 756 |
| Net loans and leases to total assets | 38.5500% | 4,082 |
| Net loans and leases to deposits | 44.4299% | 4,091 |
| Net loans and leases to core deposits | 49.3342% | 4,096 |
| Total domestic deposits to total assets | 86.7600% | 1,766 |
| Equity capital to assets | 7.1349% | 3,886 |
| Core capital (leverage) ratio | 7.1497% | 4,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9787% | 1,537 |
| Memoranda: | ||
| Average total assets | $295,082,200 | 2,444 |
| Average earning assets | $279,516,800 | 2,417 |
| Average equity | $21,610,400 | 2,724 |
| Average total loans | $109,981,400 | 3,061 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3972% | 4,417 |
| Cost of funding earning assets | 1.2299% | 2,333 |
| Net interest margin | 2.1673% | 4,371 |
| Noninterest income to average assets | 1.7000% | 344 |
| Noninterest expense to average assets | 4.0692% | 346 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.3105% | 4,514 |
| Return on assets (ROA) | -0.3105% | 4,502 |
| Pretax return on assets | -0.3105% | 4,490 |
| Return on Equity (ROE) | -4.2100% | 4,491 |
| Retained earnings to average equity (ytd only) | -6.6745% | 4,458 |
| Net charge-offs to loans | 0.0420% | 1,284 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | -20.1176% | 4,608 |
| Efficiency ratio | 108.2599% | 111 |
| Assets per employee ($millions) | 4.3067% | 4,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2589% | 272 |
| Loan loss allowance to noncurrent loans | 243.3858% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.3638% | 1,578 |
| Noncurrent loans to loans | 0.9281% | 887 |
| Net loans and leases to total assets | 38.3100% | 4,117 |
| Net loans and leases to deposits | 43.8185% | 4,110 |
| Net loans and leases to core deposits | 48.9873% | 4,065 |
| Total domestic deposits to total assets | 87.4300% | 1,764 |
| Equity capital to assets | 7.1190% | 3,557 |
| Core capital (leverage) ratio | 7.1777% | 4,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4679% | 1,434 |
| Memoranda: | ||
| Average total assets | $293,742,750 | 2,456 |
| Average earning assets | $278,494,000 | 2,425 |
| Average equity | $21,654,000 | 2,713 |
| Average total loans | $107,907,750 | 3,091 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2075% | 4,495 |
| Cost of funding earning assets | 1.0334% | 2,494 |
| Net interest margin | 2.1742% | 4,440 |
| Noninterest income to average assets | 1.7500% | 281 |
| Noninterest expense to average assets | 4.0710% | 325 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.2591% | 4,543 |
| Return on assets (ROA) | -0.2591% | 4,529 |
| Pretax return on assets | -0.2591% | 4,523 |
| Return on Equity (ROE) | -3.4700% | 4,519 |
| Retained earnings to average equity (ytd only) | -7.1401% | 4,469 |
| Net charge-offs to loans | 0.0685% | 873 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | -10.5278% | 4,634 |
| Efficiency ratio | 106.7958% | 112 |
| Assets per employee ($millions) | 4.1689% | 4,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2166% | 298 |
| Loan loss allowance to noncurrent loans | 335.3316% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.2576% | 1,911 |
| Noncurrent loans to loans | 0.6610% | 1,128 |
| Net loans and leases to total assets | 38.1100% | 4,107 |
| Net loans and leases to deposits | 43.3606% | 4,125 |
| Net loans and leases to core deposits | 48.7930% | 4,049 |
| Total domestic deposits to total assets | 87.8900% | 1,647 |
| Equity capital to assets | 7.0758% | 3,754 |
| Core capital (leverage) ratio | 7.4559% | 4,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6813% | 1,388 |
| Memoranda: | ||
| Average total assets | $292,603,333 | 2,467 |
| Average earning assets | $277,533,667 | 2,440 |
| Average equity | $21,820,333 | 2,711 |
| Average total loans | $105,053,000 | 3,119 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0903% | 4,531 |
| Cost of funding earning assets | 0.8638% | 2,491 |
| Net interest margin | 2.2265% | 4,486 |
| Noninterest income to average assets | 1.5500% | 315 |
| Noninterest expense to average assets | 4.1348% | 329 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.4757% | 4,585 |
| Return on assets (ROA) | -0.4757% | 4,575 |
| Pretax return on assets | -0.4757% | 4,564 |
| Return on Equity (ROE) | -6.2100% | 4,569 |
| Retained earnings to average equity (ytd only) | -13.4951% | 4,533 |
| Net charge-offs to loans | 0.0244% | 1,197 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | -56.8333% | 4,682 |
| Efficiency ratio | 113.0004% | 91 |
| Assets per employee ($millions) | 4.0289% | 4,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6387% | 197 |
| Loan loss allowance to noncurrent loans | 277.6618% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 1,499 |
| Noncurrent loans to loans | 0.9503% | 793 |
| Net loans and leases to total assets | 34.8000% | 4,232 |
| Net loans and leases to deposits | 38.0831% | 4,277 |
| Net loans and leases to core deposits | 40.9854% | 4,245 |
| Total domestic deposits to total assets | 91.3800% | 679 |
| Equity capital to assets | 7.6966% | 3,449 |
| Core capital (leverage) ratio | 7.9217% | 4,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3004% | 1,115 |
| Memoranda: | ||
| Average total assets | $286,739,500 | 2,530 |
| Average earning assets | $271,817,500 | 2,496 |
| Average equity | $21,963,500 | 2,720 |
| Average total loans | $98,276,000 | 3,227 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8154% | 4,308 |
| Cost of funding earning assets | 0.4593% | 1,654 |
| Net interest margin | 2.3561% | 4,388 |
| Noninterest income to average assets | 2.4600% | 205 |
| Noninterest expense to average assets | 5.7437% | 178 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -0.7306% | 4,652 |
| Return on assets (ROA) | -0.7306% | 4,646 |
| Pretax return on assets | -1.0377% | 4,647 |
| Return on Equity (ROE) | -8.8200% | 4,653 |
| Retained earnings to average equity (ytd only) | -10.7029% | 4,639 |
| Net charge-offs to loans | -0.0907% | 4,498 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 122.0497% | 62 |
| Assets per employee ($millions) | 3.8350% | 4,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3851% | 88 |
| Loan loss allowance to noncurrent loans | 349.2457% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.3184% | 1,589 |
| Noncurrent loans to loans | 0.9693% | 761 |
| Net loans and leases to total assets | 31.7400% | 4,345 |
| Net loans and leases to deposits | 34.7329% | 4,374 |
| Net loans and leases to core deposits | 37.2384% | 4,350 |
| Total domestic deposits to total assets | 91.3800% | 816 |
| Equity capital to assets | 7.6241% | 3,312 |
| Core capital (leverage) ratio | 8.0907% | 4,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5979% | 770 |
| Memoranda: | ||
| Average total assets | $288,823,000 | 2,506 |
| Average earning assets | $274,772,200 | 2,469 |
| Average equity | $23,918,800 | 2,642 |
| Average total loans | $95,910,800 | 3,208 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7604% | 4,233 |
| Cost of funding earning assets | 0.3691% | 1,535 |
| Net interest margin | 2.3913% | 4,335 |
| Noninterest income to average assets | 3.1400% | 178 |
| Noninterest expense to average assets | 6.1177% | 161 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.6959% | 4,694 |
| Return on assets (ROA) | -0.6959% | 4,683 |
| Pretax return on assets | -0.6959% | 4,678 |
| Return on Equity (ROE) | -8.2400% | 4,692 |
| Retained earnings to average equity (ytd only) | -10.7022% | 4,681 |
| Net charge-offs to loans | -0.1181% | 4,532 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 112.8350% | 84 |
| Assets per employee ($millions) | 3.2425% | 4,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1699% | 114 |
| Loan loss allowance to noncurrent loans | 383.7678% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.2925% | 1,778 |
| Noncurrent loans to loans | 0.8260% | 958 |
| Net loans and leases to total assets | 34.2900% | 4,290 |
| Net loans and leases to deposits | 38.7299% | 4,281 |
| Net loans and leases to core deposits | 39.1428% | 4,308 |
| Total domestic deposits to total assets | 88.5200% | 2,271 |
| Equity capital to assets | 7.9273% | 2,945 |
| Core capital (leverage) ratio | 8.2859% | 4,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1474% | 838 |
| Memoranda: | ||
| Average total assets | $288,164,000 | 2,530 |
| Average earning assets | $274,544,000 | 2,485 |
| Average equity | $24,343,250 | 2,664 |
| Average total loans | $95,952,750 | 3,225 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6158% | 4,261 |
| Cost of funding earning assets | 0.3168% | 1,556 |
| Net interest margin | 2.2989% | 4,336 |
| Noninterest income to average assets | 3.9386% | 118 |
| Noninterest expense to average assets | 6.6752% | 111 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.5500% | 4,685 |
| Return on assets (ROA) | -0.5500% | 4,671 |
| Pretax return on assets | -0.5500% | 4,660 |
| Return on Equity (ROE) | -6.3789% | 4,696 |
| Retained earnings to average equity (ytd only) | -10.0032% | 4,661 |
| Net charge-offs to loans | -0.2386% | 4,616 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.9786% | 119 |
| Assets per employee ($millions) | 2.9835% | 4,628 |
| Cash dividends to net income (ytd only)* | -56.8182% | 4,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3673% | 102 |
| Loan loss allowance to noncurrent loans | 318.9453% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.5583% | 1,022 |
| Noncurrent loans to loans | 1.0558% | 786 |
| Net loans and leases to total assets | 32.7237% | 4,379 |
| Net loans and leases to deposits | 35.8679% | 4,393 |
| Net loans and leases to core deposits | 36.2800% | 4,423 |
| Total domestic deposits to total assets | 91.2340% | 1,137 |
| Equity capital to assets | 8.3156% | 2,892 |
| Core capital (leverage) ratio | 8.5026% | 3,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $288,023,333 | 2,546 |
| Average earning assets | $273,953,333 | 2,516 |
| Average equity | $24,832,000 | 2,691 |
| Average total loans | $93,876,667 | 3,277 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5059% | 4,261 |
| Cost of funding earning assets | 0.3167% | 1,496 |
| Net interest margin | 2.1892% | 4,359 |
| Noninterest income to average assets | 5.2308% | 101 |
| Noninterest expense to average assets | 7.2721% | 100 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0360% | 4,521 |
| Return on assets (ROA) | 0.0360% | 4,500 |
| Pretax return on assets | 0.0360% | 4,498 |
| Return on Equity (ROE) | 0.4104% | 4,493 |
| Retained earnings to average equity (ytd only) | -6.6931% | 4,482 |
| Net charge-offs to loans | -0.3900% | 4,691 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5073% | 253 |
| Assets per employee ($millions) | 2.2854% | 4,709 |
| Cash dividends to net income (ytd only)* | 1,730.7692% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5210% | 103 |
| Loan loss allowance to noncurrent loans | 310.1338% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.5668% | 1,055 |
| Noncurrent loans to loans | 1.1353% | 784 |
| Net loans and leases to total assets | 30.1505% | 4,444 |
| Net loans and leases to deposits | 32.9670% | 4,465 |
| Net loans and leases to core deposits | 33.3993% | 4,496 |
| Total domestic deposits to total assets | 91.4566% | 826 |
| Equity capital to assets | 8.4511% | 3,207 |
| Core capital (leverage) ratio | 8.7532% | 3,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $288,828,500 | 2,555 |
| Average earning assets | $274,068,000 | 2,528 |
| Average equity | $25,339,500 | 2,748 |
| Average total loans | $92,319,500 | 3,295 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1775% | 3,520 |
| Cost of funding earning assets | 0.5497% | 710 |
| Net interest margin | 2.6278% | 4,006 |
| Noninterest income to average assets | 7.7354% | 83 |
| Noninterest expense to average assets | 9.1328% | 82 |
| Loan and lease loss provision to assets | 0.0079% | 2,930 |
| Net operating income to assets | 0.8203% | 3,274 |
| Return on assets (ROA) | 0.8203% | 3,344 |
| Pretax return on assets | 1.0410% | 3,151 |
| Return on Equity (ROE) | 8.6618% | 3,029 |
| Retained earnings to average equity (ytd only) | 4.7120% | 2,916 |
| Net charge-offs to loans | 0.0070% | 2,316 |
| Credit loss provision to net charge-offs | 262.5000% | 1,141 |
| Earnings coverage of net charge-offs (x) | 350.5000% | 362 |
| Efficiency ratio | 89.6988% | 340 |
| Assets per employee ($millions) | 2.1926% | 4,758 |
| Cash dividends to net income (ytd only)* | 45.5996% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4095% | 105 |
| Loan loss allowance to noncurrent loans | 486.7284% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.4501% | 1,468 |
| Noncurrent loans to loans | 0.7005% | 1,440 |
| Net loans and leases to total assets | 31.5910% | 4,462 |
| Net loans and leases to deposits | 34.9189% | 4,507 |
| Net loans and leases to core deposits | 35.4008% | 4,528 |
| Total domestic deposits to total assets | 90.4696% | 731 |
| Equity capital to assets | 9.1089% | 3,505 |
| Core capital (leverage) ratio | 9.2388% | 3,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $267,343,200 | 2,620 |
| Average earning assets | $248,877,800 | 2,623 |
| Average equity | $25,318,200 | 2,827 |
| Average total loans | $115,006,200 | 2,995 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3153% | 3,344 |
| Cost of funding earning assets | 0.5767% | 716 |
| Net interest margin | 2.7386% | 3,904 |
| Noninterest income to average assets | 8.4785% | 82 |
| Noninterest expense to average assets | 9.5787% | 79 |
| Loan and lease loss provision to assets | 0.0106% | 2,779 |
| Net operating income to assets | 1.1462% | 2,382 |
| Return on assets (ROA) | 1.1462% | 2,443 |
| Pretax return on assets | 1.4246% | 2,235 |
| Return on Equity (ROE) | 11.9806% | 2,054 |
| Retained earnings to average equity (ytd only) | 6.6912% | 2,539 |
| Net charge-offs to loans | 0.0166% | 1,735 |
| Credit loss provision to net charge-offs | 140.0000% | 1,391 |
| Earnings coverage of net charge-offs (x) | 189.0667% | 577 |
| Efficiency ratio | 86.9693% | 400 |
| Assets per employee ($millions) | 2.0840% | 4,835 |
| Cash dividends to net income (ytd only)* | 44.1501% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1824% | 130 |
| Loan loss allowance to noncurrent loans | 166.1563% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.9556% | 707 |
| Noncurrent loans to loans | 1.9153% | 472 |
| Net loans and leases to total assets | 35.6130% | 4,406 |
| Net loans and leases to deposits | 39.6066% | 4,465 |
| Net loans and leases to core deposits | 40.3259% | 4,503 |
| Total domestic deposits to total assets | 89.9169% | 808 |
| Equity capital to assets | 9.6393% | 3,260 |
| Core capital (leverage) ratio | 9.5906% | 2,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $263,468,250 | 2,669 |
| Average earning assets | $243,913,000 | 2,670 |
| Average equity | $25,206,750 | 2,867 |
| Average total loans | $120,631,000 | 2,988 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5921% | 2,648 |
| Cost of funding earning assets | 0.5851% | 802 |
| Net interest margin | 3.0070% | 3,302 |
| Noninterest income to average assets | 8.9239% | 74 |
| Noninterest expense to average assets | 9.8311% | 74 |
| Loan and lease loss provision to assets | 0.0161% | 2,631 |
| Net operating income to assets | 1.4827% | 1,345 |
| Return on assets (ROA) | 1.4827% | 1,402 |
| Pretax return on assets | 1.8420% | 1,139 |
| Return on Equity (ROE) | 15.5380% | 1,047 |
| Retained earnings to average equity (ytd only) | 7.5287% | 2,238 |
| Net charge-offs to loans | -0.0860% | 4,579 |
| Credit loss provision to net charge-offs | -38.1818% | 2,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1049% | 539 |
| Assets per employee ($millions) | 1.9832% | 4,880 |
| Cash dividends to net income (ytd only)* | 51.5464% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7657% | 196 |
| Loan loss allowance to noncurrent loans | 152.3201% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 1.1729% | 600 |
| Noncurrent loans to loans | 1.8157% | 568 |
| Net loans and leases to total assets | 42.5599% | 4,140 |
| Net loans and leases to deposits | 47.3832% | 4,252 |
| Net loans and leases to core deposits | 48.0871% | 4,323 |
| Total domestic deposits to total assets | 89.8206% | 861 |
| Equity capital to assets | 9.6213% | 3,229 |
| Core capital (leverage) ratio | 9.5930% | 2,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $261,678,667 | 2,669 |
| Average earning assets | $240,639,000 | 2,688 |
| Average equity | $24,971,000 | 2,884 |
| Average total loans | $127,878,667 | 2,925 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2613% | 3,545 |
| Cost of funding earning assets | 0.5905% | 915 |
| Net interest margin | 2.6708% | 4,025 |
| Noninterest income to average assets | 12.3830% | 58 |
| Noninterest expense to average assets | 12.9145% | 52 |
| Loan and lease loss provision to assets | 0.0324% | 2,343 |
| Net operating income to assets | 1.4759% | 1,385 |
| Return on assets (ROA) | 1.4759% | 1,447 |
| Pretax return on assets | 1.8610% | 1,177 |
| Return on Equity (ROE) | 15.5315% | 1,104 |
| Retained earnings to average equity (ytd only) | -0.6809% | 4,427 |
| Net charge-offs to loans | 0.6883% | 114 |
| Credit loss provision to net charge-offs | 9.1304% | 1,451 |
| Earnings coverage of net charge-offs (x) | 5.3435% | 1,682 |
| Efficiency ratio | 87.2139% | 474 |
| Assets per employee ($millions) | 1.9729% | 4,906 |
| Cash dividends to net income (ytd only)* | 104.3841% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4076% | 302 |
| Loan loss allowance to noncurrent loans | 105.8484% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 1.5225% | 414 |
| Noncurrent loans to loans | 2.2746% | 433 |
| Net loans and leases to total assets | 44.6234% | 4,076 |
| Net loans and leases to deposits | 49.3715% | 4,203 |
| Net loans and leases to core deposits | 49.9248% | 4,298 |
| Total domestic deposits to total assets | 90.3829% | 625 |
| Equity capital to assets | 9.2330% | 3,468 |
| Core capital (leverage) ratio | 9.5481% | 2,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $259,646,500 | 2,673 |
| Average earning assets | $235,731,500 | 2,700 |
| Average equity | $24,672,500 | 2,893 |
| Average total loans | $133,659,500 | 2,854 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0870% | 2,461 |
| Cost of funding earning assets | 0.7198% | 1,617 |
| Net interest margin | 3.3672% | 2,877 |
| Noninterest income to average assets | 14.8762% | 53 |
| Noninterest expense to average assets | 15.1637% | 48 |
| Loan and lease loss provision to assets | 0.8436% | 139 |
| Net operating income to assets | 1.4647% | 887 |
| Return on assets (ROA) | 1.4647% | 967 |
| Pretax return on assets | 1.9357% | 521 |
| Return on Equity (ROE) | 14.2770% | 748 |
| Retained earnings to average equity (ytd only) | 11.6582% | 357 |
| Net charge-offs to loans | 0.5123% | 308 |
| Credit loss provision to net charge-offs | 275.0365% | 1,825 |
| Earnings coverage of net charge-offs (x) | 9.0613% | 2,546 |
| Efficiency ratio | 84.5104% | 595 |
| Assets per employee ($millions) | 1.7092% | 4,940 |
| Cash dividends to net income (ytd only)* | 18.3430% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1582% | 444 |
| Loan loss allowance to noncurrent loans | 103.1188% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 1.7122% | 380 |
| Noncurrent loans to loans | 2.0929% | 530 |
| Net loans and leases to total assets | 56.2934% | 3,268 |
| Net loans and leases to deposits | 64.1379% | 3,428 |
| Net loans and leases to core deposits | 64.6504% | 3,651 |
| Total domestic deposits to total assets | 87.7694% | 1,579 |
| Equity capital to assets | 9.7859% | 3,331 |
| Core capital (leverage) ratio | 10.0828% | 2,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $223,329,800 | 2,771 |
| Average earning assets | $203,402,600 | 2,800 |
| Average equity | $22,911,000 | 2,943 |
| Average total loans | $133,712,600 | 2,817 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1870% | 2,432 |
| Cost of funding earning assets | 0.7482% | 1,759 |
| Net interest margin | 3.4389% | 2,785 |
| Noninterest income to average assets | 14.1108% | 53 |
| Noninterest expense to average assets | 14.6937% | 50 |
| Loan and lease loss provision to assets | 0.8739% | 189 |
| Net operating income to assets | 1.2943% | 1,366 |
| Return on assets (ROA) | 1.2943% | 1,466 |
| Pretax return on assets | 1.7080% | 957 |
| Return on Equity (ROE) | 12.4480% | 1,261 |
| Retained earnings to average equity (ytd only) | 8.8846% | 1,014 |
| Net charge-offs to loans | 0.4028% | 393 |
| Credit loss provision to net charge-offs | 358.2278% | 1,583 |
| Earnings coverage of net charge-offs (x) | 10.5848% | 2,348 |
| Efficiency ratio | 85.0556% | 557 |
| Assets per employee ($millions) | 1.7021% | 4,974 |
| Cash dividends to net income (ytd only)* | 28.6260% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9029% | 581 |
| Loan loss allowance to noncurrent loans | 87.0153% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 1.8656% | 389 |
| Noncurrent loans to loans | 2.1868% | 538 |
| Net loans and leases to total assets | 64.5394% | 2,698 |
| Net loans and leases to deposits | 73.3245% | 3,013 |
| Net loans and leases to core deposits | 74.1952% | 3,309 |
| Total domestic deposits to total assets | 88.0189% | 1,212 |
| Equity capital to assets | 9.9726% | 3,254 |
| Core capital (leverage) ratio | 9.8870% | 2,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $215,923,500 | 2,810 |
| Average earning assets | $198,704,250 | 2,817 |
| Average equity | $22,450,250 | 2,979 |
| Average total loans | $130,756,250 | 2,862 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3447% | 2,352 |
| Cost of funding earning assets | 0.7829% | 1,913 |
| Net interest margin | 3.5618% | 2,605 |
| Noninterest income to average assets | 11.7169% | 57 |
| Noninterest expense to average assets | 13.5137% | 51 |
| Loan and lease loss provision to assets | 0.4746% | 788 |
| Net operating income to assets | 0.8257% | 2,955 |
| Return on assets (ROA) | 0.8257% | 3,069 |
| Pretax return on assets | 0.9931% | 3,056 |
| Return on Equity (ROE) | 7.8210% | 2,821 |
| Retained earnings to average equity (ytd only) | 2.3835% | 3,615 |
| Net charge-offs to loans | 0.1258% | 1,092 |
| Credit loss provision to net charge-offs | 644.1558% | 1,057 |
| Earnings coverage of net charge-offs (x) | 19.9221% | 1,699 |
| Efficiency ratio | 90.2031% | 381 |
| Assets per employee ($millions) | 1.6664% | 5,009 |
| Cash dividends to net income (ytd only)* | 69.5249% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6055% | 997 |
| Loan loss allowance to noncurrent loans | 62.0011% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 2.1542% | 313 |
| Noncurrent loans to loans | 2.5894% | 438 |
| Net loans and leases to total assets | 63.3818% | 2,952 |
| Net loans and leases to deposits | 71.1140% | 3,339 |
| Net loans and leases to core deposits | 71.8667% | 3,597 |
| Total domestic deposits to total assets | 89.1270% | 703 |
| Equity capital to assets | 9.7972% | 3,369 |
| Core capital (leverage) ratio | 10.2805% | 2,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $209,032,000 | 2,832 |
| Average earning assets | $191,589,667 | 2,864 |
| Average equity | $22,068,667 | 2,990 |
| Average total loans | $122,454,667 | 2,944 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5032% | 2,303 |
| Cost of funding earning assets | 0.8259% | 2,241 |
| Net interest margin | 3.6772% | 2,411 |
| Noninterest income to average assets | 9.5828% | 58 |
| Noninterest expense to average assets | 11.9560% | 65 |
| Loan and lease loss provision to assets | 0.4574% | 653 |
| Net operating income to assets | 0.5276% | 3,821 |
| Return on assets (ROA) | 0.5276% | 3,878 |
| Pretax return on assets | 0.5276% | 4,074 |
| Return on Equity (ROE) | 4.7994% | 3,710 |
| Retained earnings to average equity (ytd only) | -6.1498% | 4,594 |
| Net charge-offs to loans | -0.0327% | 4,495 |
| Credit loss provision to net charge-offs | -2,533.3333% | 3,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3888% | 416 |
| Assets per employee ($millions) | 1.4698% | 5,057 |
| Cash dividends to net income (ytd only)* | 228.1369% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9029% | 602 |
| Loan loss allowance to noncurrent loans | 54.6092% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 2.4518% | 288 |
| Noncurrent loans to loans | 3.4846% | 271 |
| Net loans and leases to total assets | 55.8093% | 3,856 |
| Net loans and leases to deposits | 63.3382% | 4,018 |
| Net loans and leases to core deposits | 64.1031% | 4,163 |
| Total domestic deposits to total assets | 88.1132% | 1,063 |
| Equity capital to assets | 10.8057% | 3,046 |
| Core capital (leverage) ratio | 10.9258% | 2,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,398,500 | 2,876 |
| Average earning assets | $182,093,500 | 2,903 |
| Average equity | $21,919,500 | 3,001 |
| Average total loans | $110,151,500 | 3,078 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4565% | 3,099 |
| Cost of funding earning assets | 0.7729% | 2,815 |
| Net interest margin | 3.6836% | 2,855 |
| Noninterest income to average assets | 7.7553% | 74 |
| Noninterest expense to average assets | 10.1150% | 70 |
| Loan and lease loss provision to assets | 0.2406% | 780 |
| Net operating income to assets | 0.6032% | 4,150 |
| Return on assets (ROA) | 0.6032% | 4,211 |
| Pretax return on assets | 0.7775% | 4,021 |
| Return on Equity (ROE) | 5.5753% | 4,046 |
| Retained earnings to average equity (ytd only) | 2.7900% | 3,644 |
| Net charge-offs to loans | 1.2820% | 116 |
| Credit loss provision to net charge-offs | 34.8617% | 3,240 |
| Earnings coverage of net charge-offs (x) | 1.4753% | 3,538 |
| Efficiency ratio | 90.8550% | 319 |
| Assets per employee ($millions) | 1.4844% | 5,113 |
| Cash dividends to net income (ytd only)* | 49.9584% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8375% | 620 |
| Loan loss allowance to noncurrent loans | 45.4929% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 2.6419% | 234 |
| Noncurrent loans to loans | 4.0391% | 165 |
| Net loans and leases to total assets | 52.5748% | 4,179 |
| Net loans and leases to deposits | 59.5988% | 4,310 |
| Net loans and leases to core deposits | 60.9414% | 4,399 |
| Total domestic deposits to total assets | 88.2146% | 1,026 |
| Equity capital to assets | 11.1837% | 2,827 |
| Core capital (leverage) ratio | 11.2056% | 2,330 |
| Tier 1 risk-based capital ratio | 17.7766% | 1,815 |
| Total risk-based capital ratio | 19.0305% | 1,769 |
| Memoranda: | ||
| Average total assets | $199,090,800 | 2,846 |
| Average earning assets | $182,563,800 | 2,859 |
| Average equity | $21,541,600 | 3,001 |
| Average total loans | $107,172,600 | 3,129 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4477% | 3,215 |
| Cost of funding earning assets | 0.7563% | 2,940 |
| Net interest margin | 3.6914% | 2,948 |
| Noninterest income to average assets | 7.7443% | 73 |
| Noninterest expense to average assets | 9.9904% | 71 |
| Loan and lease loss provision to assets | 0.2740% | 567 |
| Net operating income to assets | 0.7385% | 3,883 |
| Return on assets (ROA) | 0.7385% | 3,951 |
| Pretax return on assets | 0.8721% | 3,950 |
| Return on Equity (ROE) | 6.8823% | 3,729 |
| Retained earnings to average equity (ytd only) | 3.1453% | 3,831 |
| Net charge-offs to loans | 0.8518% | 180 |
| Credit loss provision to net charge-offs | 59.6798% | 2,715 |
| Earnings coverage of net charge-offs (x) | 2.4964% | 3,191 |
| Efficiency ratio | 89.7084% | 330 |
| Assets per employee ($millions) | 1.6161% | 5,185 |
| Cash dividends to net income (ytd only)* | 54.2985% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1757% | 344 |
| Loan loss allowance to noncurrent loans | 51.5188% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 2.6329% | 241 |
| Noncurrent loans to loans | 4.2232% | 153 |
| Net loans and leases to total assets | 58.4026% | 3,837 |
| Net loans and leases to deposits | 66.2322% | 4,046 |
| Net loans and leases to core deposits | 67.6212% | 4,190 |
| Total domestic deposits to total assets | 88.1786% | 960 |
| Equity capital to assets | 11.1347% | 2,983 |
| Core capital (leverage) ratio | 11.1898% | 2,477 |
| Tier 1 risk-based capital ratio | 16.8929% | 2,121 |
| Total risk-based capital ratio | 18.1518% | 2,058 |
| Memoranda: | ||
| Average total assets | $199,505,750 | 2,867 |
| Average earning assets | $183,341,500 | 2,874 |
| Average equity | $21,407,000 | 3,032 |
| Average total loans | $107,530,250 | 3,160 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3961% | 3,341 |
| Cost of funding earning assets | 0.7410% | 2,938 |
| Net interest margin | 3.6551% | 3,090 |
| Noninterest income to average assets | 6.6394% | 77 |
| Noninterest expense to average assets | 8.9681% | 79 |
| Loan and lease loss provision to assets | 0.3405% | 382 |
| Net operating income to assets | 0.7000% | 4,006 |
| Return on assets (ROA) | 0.7000% | 4,066 |
| Pretax return on assets | 0.7000% | 4,328 |
| Return on Equity (ROE) | 6.6054% | 3,838 |
| Retained earnings to average equity (ytd only) | 0.9517% | 4,451 |
| Net charge-offs to loans | 1.3885% | 86 |
| Credit loss provision to net charge-offs | 47.1646% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.4412% | 3,018 |
| Efficiency ratio | 89.6039% | 366 |
| Assets per employee ($millions) | 1.5526% | 5,233 |
| Cash dividends to net income (ytd only)* | 85.5920% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3693% | 266 |
| Loan loss allowance to noncurrent loans | 73.5629% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 1.8207% | 550 |
| Noncurrent loans to loans | 3.2208% | 293 |
| Net loans and leases to total assets | 51.3450% | 4,396 |
| Net loans and leases to deposits | 58.0812% | 4,511 |
| Net loans and leases to core deposits | 59.3797% | 4,595 |
| Total domestic deposits to total assets | 88.4021% | 921 |
| Equity capital to assets | 10.9178% | 3,159 |
| Core capital (leverage) ratio | 10.8005% | 2,789 |
| Tier 1 risk-based capital ratio | 17.7343% | 1,871 |
| Total risk-based capital ratio | 18.9938% | 1,822 |
| Memoranda: | ||
| Average total assets | $200,288,000 | 2,868 |
| Average earning assets | $184,618,000 | 2,876 |
| Average equity | $21,225,000 | 3,045 |
| Average total loans | $104,138,000 | 3,224 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3376% | 3,436 |
| Cost of funding earning assets | 0.7151% | 2,975 |
| Net interest margin | 3.6225% | 3,171 |
| Noninterest income to average assets | 5.9078% | 81 |
| Noninterest expense to average assets | 8.4112% | 82 |
| Loan and lease loss provision to assets | 0.2055% | 774 |
| Net operating income to assets | 0.6342% | 4,140 |
| Return on assets (ROA) | 0.6342% | 4,179 |
| Pretax return on assets | 0.6342% | 4,454 |
| Return on Equity (ROE) | 5.9235% | 4,046 |
| Retained earnings to average equity (ytd only) | -5.1484% | 4,933 |
| Net charge-offs to loans | 2.5719% | 40 |
| Credit loss provision to net charge-offs | 15.4993% | 2,160 |
| Earnings coverage of net charge-offs (x) | 0.6334% | 2,653 |
| Efficiency ratio | 90.9227% | 359 |
| Assets per employee ($millions) | 1.6931% | 5,289 |
| Cash dividends to net income (ytd only)* | 186.9159% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5291% | 1,246 |
| Loan loss allowance to noncurrent loans | 46.7356% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 1.8413% | 564 |
| Noncurrent loans to loans | 3.2718% | 298 |
| Net loans and leases to total assets | 50.5643% | 4,432 |
| Net loans and leases to deposits | 56.8889% | 4,556 |
| Net loans and leases to core deposits | 59.6586% | 4,579 |
| Total domestic deposits to total assets | 88.8825% | 918 |
| Equity capital to assets | 10.7125% | 3,151 |
| Core capital (leverage) ratio | 10.9151% | 2,651 |
| Tier 1 risk-based capital ratio | 17.0722% | 2,086 |
| Total risk-based capital ratio | 18.3223% | 2,030 |
| Memoranda: | ||
| Average total assets | $202,444,000 | 2,876 |
| Average earning assets | $186,831,500 | 2,886 |
| Average equity | $21,676,500 | 3,009 |
| Average total loans | $104,357,000 | 3,249 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1062% | 3,726 |
| Cost of funding earning assets | 0.5524% | 3,032 |
| Net interest margin | 3.5539% | 3,534 |
| Noninterest income to average assets | 6.3106% | 80 |
| Noninterest expense to average assets | 8.6836% | 81 |
| Loan and lease loss provision to assets | 0.4789% | 253 |
| Net operating income to assets | 0.3640% | 4,914 |
| Return on assets (ROA) | 0.3640% | 4,908 |
| Pretax return on assets | 0.4234% | 4,918 |
| Return on Equity (ROE) | 3.4906% | 4,824 |
| Retained earnings to average equity (ytd only) | 0.6906% | 4,808 |
| Net charge-offs to loans | 1.1692% | 111 |
| Credit loss provision to net charge-offs | 79.6761% | 2,869 |
| Earnings coverage of net charge-offs (x) | 1.5012% | 3,619 |
| Efficiency ratio | 90.5874% | 321 |
| Assets per employee ($millions) | 1.7093% | 5,333 |
| Cash dividends to net income (ytd only)* | 80.2139% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0427% | 440 |
| Loan loss allowance to noncurrent loans | 73.4039% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 1.6563% | 662 |
| Noncurrent loans to loans | 2.7828% | 396 |
| Net loans and leases to total assets | 50.6888% | 4,477 |
| Net loans and leases to deposits | 59.6512% | 4,497 |
| Net loans and leases to core deposits | 60.7206% | 4,598 |
| Total domestic deposits to total assets | 84.9752% | 2,654 |
| Equity capital to assets | 10.7023% | 2,984 |
| Core capital (leverage) ratio | 10.6140% | 2,917 |
| Tier 1 risk-based capital ratio | 16.9526% | 2,084 |
| Total risk-based capital ratio | 18.2087% | 2,025 |
| Memoranda: | ||
| Average total assets | $205,478,400 | 2,809 |
| Average earning assets | $189,371,600 | 2,834 |
| Average equity | $21,429,200 | 2,946 |
| Average total loans | $105,628,200 | 3,206 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0868% | 3,679 |
| Cost of funding earning assets | 0.5214% | 3,048 |
| Net interest margin | 3.5654% | 3,474 |
| Noninterest income to average assets | 6.3533% | 82 |
| Noninterest expense to average assets | 8.8491% | 78 |
| Loan and lease loss provision to assets | 0.5942% | 171 |
| Net operating income to assets | 0.1942% | 5,198 |
| Return on assets (ROA) | 0.1942% | 5,193 |
| Pretax return on assets | 0.1942% | 5,205 |
| Return on Equity (ROE) | 1.8740% | 5,147 |
| Retained earnings to average equity (ytd only) | -1.8740% | 5,189 |
| Net charge-offs to loans | 1.3204% | 95 |
| Credit loss provision to net charge-offs | 87.6791% | 2,447 |
| Earnings coverage of net charge-offs (x) | 1.1633% | 3,372 |
| Efficiency ratio | 91.8200% | 283 |
| Assets per employee ($millions) | 1.5590% | 5,408 |
| Cash dividends to net income (ytd only)* | 200.0000% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2082% | 359 |
| Loan loss allowance to noncurrent loans | 50.0992% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 2.8551% | 269 |
| Noncurrent loans to loans | 4.4077% | 169 |
| Net loans and leases to total assets | 50.0517% | 4,594 |
| Net loans and leases to deposits | 56.5862% | 4,717 |
| Net loans and leases to core deposits | 57.3088% | 4,811 |
| Total domestic deposits to total assets | 88.4522% | 1,065 |
| Equity capital to assets | 10.5205% | 3,123 |
| Core capital (leverage) ratio | 10.0872% | 3,538 |
| Tier 1 risk-based capital ratio | 16.2448% | 2,355 |
| Total risk-based capital ratio | 17.5016% | 2,299 |
| Memoranda: | ||
| Average total assets | $205,997,000 | 2,829 |
| Average earning assets | $189,743,750 | 2,845 |
| Average equity | $21,344,250 | 2,970 |
| Average total loans | $105,722,000 | 3,236 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0065% | 3,767 |
| Cost of funding earning assets | 0.5206% | 2,834 |
| Net interest margin | 3.4859% | 3,685 |
| Noninterest income to average assets | 6.0734% | 82 |
| Noninterest expense to average assets | 8.5847% | 81 |
| Loan and lease loss provision to assets | 0.1175% | 1,683 |
| Net operating income to assets | 0.5770% | 4,574 |
| Return on assets (ROA) | 0.5770% | 4,569 |
| Pretax return on assets | 0.5770% | 4,769 |
| Return on Equity (ROE) | 5.5965% | 4,379 |
| Retained earnings to average equity (ytd only) | -0.0093% | 4,958 |
| Net charge-offs to loans | 1.8884% | 59 |
| Credit loss provision to net charge-offs | 12.1152% | 2,721 |
| Earnings coverage of net charge-offs (x) | 0.7160% | 3,114 |
| Efficiency ratio | 92.5153% | 293 |
| Assets per employee ($millions) | 1.6095% | 5,470 |
| Cash dividends to net income (ytd only)* | 100.1669% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4542% | 1,542 |
| Loan loss allowance to noncurrent loans | 21.7055% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 3.9561% | 141 |
| Noncurrent loans to loans | 6.6997% | 67 |
| Net loans and leases to total assets | 49.5121% | 4,634 |
| Net loans and leases to deposits | 55.5831% | 4,775 |
| Net loans and leases to core deposits | 56.4249% | 4,850 |
| Total domestic deposits to total assets | 89.0776% | 903 |
| Equity capital to assets | 10.3657% | 3,261 |
| Core capital (leverage) ratio | 10.1873% | 3,374 |
| Tier 1 risk-based capital ratio | 16.3062% | 2,329 |
| Total risk-based capital ratio | 17.4940% | 2,294 |
| Memoranda: | ||
| Average total assets | $207,625,330 | 2,834 |
| Average earning assets | $190,940,000 | 2,843 |
| Average equity | $21,406,330 | 2,975 |
| Average total loans | $106,651,670 | 3,230 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9577% | 3,768 |
| Cost of funding earning assets | 0.5201% | 2,637 |
| Net interest margin | 3.4376% | 3,746 |
| Noninterest income to average assets | 5.2518% | 97 |
| Noninterest expense to average assets | 8.1609% | 89 |
| Loan and lease loss provision to assets | 0.1464% | 1,264 |
| Net operating income to assets | 0.1021% | 5,329 |
| Return on assets (ROA) | 0.1021% | 5,325 |
| Pretax return on assets | 0.1021% | 5,335 |
| Return on Equity (ROE) | 0.9930% | 5,311 |
| Retained earnings to average equity (ytd only) | -10.2490% | 5,379 |
| Net charge-offs to loans | -0.0111% | 4,290 |
| Credit loss provision to net charge-offs | -2,533.3333% | 4,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0447% | 225 |
| Assets per employee ($millions) | 1.7801% | 5,524 |
| Cash dividends to net income (ytd only)* | 1,132.0755% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3585% | 300 |
| Loan loss allowance to noncurrent loans | 35.9045% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 3.8967% | 165 |
| Noncurrent loans to loans | 6.5688% | 83 |
| Net loans and leases to total assets | 48.9003% | 4,636 |
| Net loans and leases to deposits | 54.6212% | 4,766 |
| Net loans and leases to core deposits | 55.4342% | 4,855 |
| Total domestic deposits to total assets | 89.5262% | 875 |
| Equity capital to assets | 10.0025% | 3,589 |
| Core capital (leverage) ratio | 10.3548% | 3,111 |
| Tier 1 risk-based capital ratio | 16.3689% | 2,335 |
| Total risk-based capital ratio | 17.6275% | 2,272 |
| Memoranda: | ||
| Average total assets | $207,624,000 | 2,866 |
| Average earning assets | $190,717,000 | 2,872 |
| Average equity | $21,348,500 | 3,008 |
| Average total loans | $107,818,500 | 3,233 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1617% | 2,832 |
| Cost of funding earning assets | 0.5480% | 1,968 |
| Net interest margin | 3.6137% | 3,121 |
| Noninterest income to average assets | 6.3408% | 87 |
| Noninterest expense to average assets | 8.5802% | 82 |
| Loan and lease loss provision to assets | 0.9154% | 118 |
| Net operating income to assets | 0.1205% | 5,235 |
| Return on assets (ROA) | 0.1205% | 5,240 |
| Pretax return on assets | 0.1550% | 5,348 |
| Return on Equity (ROE) | 1.1273% | 5,219 |
| Retained earnings to average equity (ytd only) | -1.6001% | 5,241 |
| Net charge-offs to loans | 0.9791% | 189 |
| Credit loss provision to net charge-offs | 176.5698% | 1,539 |
| Earnings coverage of net charge-offs (x) | 2.0647% | 3,803 |
| Efficiency ratio | 88.9085% | 481 |
| Assets per employee ($millions) | 1.7538% | 5,588 |
| Cash dividends to net income (ytd only)* | 241.9355% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1749% | 391 |
| Loan loss allowance to noncurrent loans | 127.2920% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 1.5409% | 874 |
| Noncurrent loans to loans | 1.7086% | 954 |
| Net loans and leases to total assets | 52.6511% | 4,472 |
| Net loans and leases to deposits | 59.2308% | 4,620 |
| Net loans and leases to core deposits | 60.5178% | 4,733 |
| Total domestic deposits to total assets | 88.8913% | 1,051 |
| Equity capital to assets | 10.5687% | 3,088 |
| Core capital (leverage) ratio | 10.6396% | 2,706 |
| Tier 1 risk-based capital ratio | 16.4709% | 2,279 |
| Total risk-based capital ratio | 17.7278% | 2,212 |
| Memoranda: | ||
| Average total assets | $205,811,000 | 2,864 |
| Average earning assets | $188,504,800 | 2,882 |
| Average equity | $21,998,600 | 2,954 |
| Average total loans | $108,978,000 | 3,200 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1244% | 2,900 |
| Cost of funding earning assets | 0.5464% | 1,921 |
| Net interest margin | 3.5780% | 3,232 |
| Noninterest income to average assets | 6.3660% | 90 |
| Noninterest expense to average assets | 8.5508% | 85 |
| Loan and lease loss provision to assets | 0.2667% | 625 |
| Net operating income to assets | 0.6383% | 4,239 |
| Return on assets (ROA) | 0.6383% | 4,294 |
| Pretax return on assets | 0.8254% | 4,285 |
| Return on Equity (ROE) | 5.9549% | 4,144 |
| Retained earnings to average equity (ytd only) | 2.3312% | 4,481 |
| Net charge-offs to loans | 0.5058% | 406 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 4.0947% | 3,267 |
| Efficiency ratio | 88.6748% | 470 |
| Assets per employee ($millions) | 1.7393% | 5,656 |
| Cash dividends to net income (ytd only)* | 60.8521% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4811% | 1,603 |
| Loan loss allowance to noncurrent loans | 30.7171% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 3.2134% | 269 |
| Noncurrent loans to loans | 4.8217% | 172 |
| Net loans and leases to total assets | 51.8104% | 4,580 |
| Net loans and leases to deposits | 58.6849% | 4,709 |
| Net loans and leases to core deposits | 59.9796% | 4,820 |
| Total domestic deposits to total assets | 88.2856% | 1,218 |
| Equity capital to assets | 11.0504% | 2,817 |
| Core capital (leverage) ratio | 10.9941% | 2,465 |
| Tier 1 risk-based capital ratio | 17.1734% | 2,109 |
| Total risk-based capital ratio | 18.3900% | 2,076 |
| Memoranda: | ||
| Average total assets | $205,963,750 | 2,884 |
| Average earning assets | $188,630,750 | 2,909 |
| Average equity | $22,076,500 | 2,971 |
| Average total loans | $108,612,000 | 3,228 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1264% | 2,744 |
| Cost of funding earning assets | 0.5460% | 1,804 |
| Net interest margin | 3.5805% | 3,109 |
| Noninterest income to average assets | 5.8679% | 98 |
| Noninterest expense to average assets | 8.1988% | 93 |
| Loan and lease loss provision to assets | 0.1751% | 1,099 |
| Net operating income to assets | 0.5552% | 4,497 |
| Return on assets (ROA) | 0.5552% | 4,542 |
| Pretax return on assets | 0.7670% | 4,386 |
| Return on Equity (ROE) | 5.2325% | 4,380 |
| Retained earnings to average equity (ytd only) | -0.2370% | 5,114 |
| Net charge-offs to loans | 0.0568% | 2,122 |
| Credit loss provision to net charge-offs | 583.8710% | 588 |
| Earnings coverage of net charge-offs (x) | 31.4194% | 1,429 |
| Efficiency ratio | 89.6942% | 469 |
| Assets per employee ($millions) | 1.7266% | 5,704 |
| Cash dividends to net income (ytd only)* | 104.5296% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5868% | 1,293 |
| Loan loss allowance to noncurrent loans | 61.7794% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 2.3537% | 488 |
| Noncurrent loans to loans | 2.5685% | 569 |
| Net loans and leases to total assets | 52.4001% | 4,532 |
| Net loans and leases to deposits | 59.1033% | 4,693 |
| Net loans and leases to core deposits | 60.3886% | 4,801 |
| Total domestic deposits to total assets | 88.6585% | 1,127 |
| Equity capital to assets | 10.7497% | 3,078 |
| Core capital (leverage) ratio | 10.6318% | 2,776 |
| Tier 1 risk-based capital ratio | 16.6257% | 2,269 |
| Total risk-based capital ratio | 17.8763% | 2,222 |
| Memoranda: | ||
| Average total assets | $206,787,000 | 2,884 |
| Average earning assets | $189,026,000 | 2,919 |
| Average equity | $21,939,670 | 2,978 |
| Average total loans | $109,144,000 | 3,240 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1407% | 2,513 |
| Cost of funding earning assets | 0.5411% | 1,774 |
| Net interest margin | 3.5996% | 2,890 |
| Noninterest income to average assets | 5.0268% | 115 |
| Noninterest expense to average assets | 7.5354% | 110 |
| Loan and lease loss provision to assets | 0.1735% | 1,017 |
| Net operating income to assets | 0.4666% | 4,718 |
| Return on assets (ROA) | 0.4666% | 4,742 |
| Pretax return on assets | 0.6016% | 4,729 |
| Return on Equity (ROE) | 4.4270% | 4,627 |
| Retained earnings to average equity (ytd only) | -6.5490% | 5,467 |
| Net charge-offs to loans | 0.0147% | 2,507 |
| Credit loss provision to net charge-offs | 2,250.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 100.5000% | 528 |
| Efficiency ratio | 90.6729% | 521 |
| Assets per employee ($millions) | 1.7527% | 5,766 |
| Cash dividends to net income (ytd only)* | 247.9339% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 1,619 |
| Loan loss allowance to noncurrent loans | 95.0512% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 2.1163% | 604 |
| Noncurrent loans to loans | 1.6013% | 1,211 |
| Net loans and leases to total assets | 51.8346% | 4,529 |
| Net loans and leases to deposits | 58.1263% | 4,686 |
| Net loans and leases to core deposits | 59.3634% | 4,811 |
| Total domestic deposits to total assets | 89.1759% | 1,064 |
| Equity capital to assets | 10.3989% | 3,293 |
| Core capital (leverage) ratio | 10.5619% | 2,829 |
| Tier 1 risk-based capital ratio | 16.2734% | 2,449 |
| Total risk-based capital ratio | 17.5232% | 2,392 |
| Memoranda: | ||
| Average total assets | $207,447,000 | 2,913 |
| Average earning assets | $189,241,500 | 2,943 |
| Average equity | $21,866,000 | 2,996 |
| Average total loans | $109,015,500 | 3,264 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2204% | 2,421 |
| Cost of funding earning assets | 0.5650% | 1,566 |
| Net interest margin | 3.6554% | 2,872 |
| Noninterest income to average assets | 5.9991% | 99 |
| Noninterest expense to average assets | 8.0807% | 101 |
| Loan and lease loss provision to assets | 0.6659% | 194 |
| Net operating income to assets | 0.4270% | 4,856 |
| Return on assets (ROA) | 0.4270% | 4,941 |
| Pretax return on assets | 0.5733% | 4,869 |
| Return on Equity (ROE) | 4.0039% | 4,833 |
| Retained earnings to average equity (ytd only) | 1.4900% | 4,668 |
| Net charge-offs to loans | 1.4022% | 109 |
| Credit loss provision to net charge-offs | 87.5080% | 2,848 |
| Earnings coverage of net charge-offs (x) | 1.6284% | 3,962 |
| Efficiency ratio | 86.7036% | 770 |
| Assets per employee ($millions) | 1.8099% | 5,815 |
| Cash dividends to net income (ytd only)* | 62.7854% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4652% | 1,815 |
| Loan loss allowance to noncurrent loans | 83.2983% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 2.2344% | 577 |
| Noncurrent loans to loans | 1.7589% | 1,085 |
| Net loans and leases to total assets | 51.6966% | 4,638 |
| Net loans and leases to deposits | 58.1277% | 4,778 |
| Net loans and leases to core deposits | 59.3814% | 4,890 |
| Total domestic deposits to total assets | 88.9363% | 1,149 |
| Equity capital to assets | 10.6837% | 2,945 |
| Core capital (leverage) ratio | 10.7586% | 2,580 |
| Tier 1 risk-based capital ratio | 16.7736% | 2,238 |
| Total risk-based capital ratio | 17.9836% | 2,200 |
| Memoranda: | ||
| Average total assets | $205,130,200 | 2,901 |
| Average earning assets | $186,356,400 | 2,933 |
| Average equity | $21,878,600 | 2,997 |
| Average total loans | $111,325,600 | 3,196 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2153% | 2,461 |
| Cost of funding earning assets | 0.5664% | 1,574 |
| Net interest margin | 3.6488% | 2,895 |
| Noninterest income to average assets | 6.1037% | 100 |
| Noninterest expense to average assets | 8.1834% | 97 |
| Loan and lease loss provision to assets | 0.8293% | 129 |
| Net operating income to assets | 0.3756% | 5,103 |
| Return on assets (ROA) | 0.3756% | 5,188 |
| Pretax return on assets | 0.4036% | 5,300 |
| Return on Equity (ROE) | 3.5229% | 5,075 |
| Retained earnings to average equity (ytd only) | 0.1649% | 5,299 |
| Net charge-offs to loans | 1.8163% | 68 |
| Credit loss provision to net charge-offs | 83.4316% | 2,622 |
| Earnings coverage of net charge-offs (x) | 1.2403% | 3,718 |
| Efficiency ratio | 86.9072% | 741 |
| Assets per employee ($millions) | 1.8447% | 5,880 |
| Cash dividends to net income (ytd only)* | 95.3218% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3439% | 2,468 |
| Loan loss allowance to noncurrent loans | 72.5546% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 2.4499% | 564 |
| Noncurrent loans to loans | 1.8522% | 1,092 |
| Net loans and leases to total assets | 53.3415% | 4,551 |
| Net loans and leases to deposits | 59.9432% | 4,766 |
| Net loans and leases to core deposits | 61.2101% | 4,876 |
| Total domestic deposits to total assets | 88.9867% | 914 |
| Equity capital to assets | 10.4117% | 3,662 |
| Core capital (leverage) ratio | 10.5122% | 2,982 |
| Tier 1 risk-based capital ratio | 16.3472% | 2,472 |
| Total risk-based capital ratio | 17.4994% | 2,479 |
| Memoranda: | ||
| Average total assets | $204,832,000 | 2,917 |
| Average earning assets | $185,954,000 | 2,956 |
| Average equity | $21,837,500 | 3,023 |
| Average total loans | $112,095,000 | 3,193 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2770% | 2,230 |
| Cost of funding earning assets | 0.5709% | 1,540 |
| Net interest margin | 3.7061% | 2,675 |
| Noninterest income to average assets | 5.5997% | 110 |
| Noninterest expense to average assets | 7.8173% | 115 |
| Loan and lease loss provision to assets | 0.4748% | 284 |
| Net operating income to assets | 0.6305% | 4,142 |
| Return on assets (ROA) | 0.6305% | 4,278 |
| Pretax return on assets | 0.6650% | 4,731 |
| Return on Equity (ROE) | 5.8666% | 4,109 |
| Retained earnings to average equity (ytd only) | 0.8250% | 5,051 |
| Net charge-offs to loans | 0.7601% | 266 |
| Credit loss provision to net charge-offs | 113.6792% | 1,931 |
| Earnings coverage of net charge-offs (x) | 2.7288% | 3,221 |
| Efficiency ratio | 87.2745% | 769 |
| Assets per employee ($millions) | 1.9766% | 5,940 |
| Cash dividends to net income (ytd only)* | 85.9375% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5647% | 1,635 |
| Loan loss allowance to noncurrent loans | 57.5862% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 3.3782% | 328 |
| Noncurrent loans to loans | 2.7171% | 595 |
| Net loans and leases to total assets | 57.3198% | 4,184 |
| Net loans and leases to deposits | 64.7431% | 4,441 |
| Net loans and leases to core deposits | 66.1786% | 4,597 |
| Total domestic deposits to total assets | 88.5343% | 1,150 |
| Equity capital to assets | 10.8924% | 3,173 |
| Core capital (leverage) ratio | 10.7839% | 2,670 |
| Tier 1 risk-based capital ratio | 16.0919% | 2,595 |
| Total risk-based capital ratio | 17.3431% | 2,542 |
| Memoranda: | ||
| Average total assets | $203,012,000 | 2,952 |
| Average earning assets | $183,915,000 | 3,001 |
| Average equity | $21,818,330 | 3,029 |
| Average total loans | $111,559,670 | 3,218 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4166% | 1,758 |
| Cost of funding earning assets | 0.5656% | 1,577 |
| Net interest margin | 3.8510% | 2,099 |
| Noninterest income to average assets | 4.4338% | 139 |
| Noninterest expense to average assets | 7.0120% | 140 |
| Loan and lease loss provision to assets | 0.1787% | 1,134 |
| Net operating income to assets | 0.6637% | 3,910 |
| Return on assets (ROA) | 0.6637% | 4,034 |
| Pretax return on assets | 0.7324% | 4,410 |
| Return on Equity (ROE) | 6.2169% | 3,869 |
| Retained earnings to average equity (ytd only) | -3.8994% | 5,545 |
| Net charge-offs to loans | -0.0258% | 4,995 |
| Credit loss provision to net charge-offs | -1,300.0000% | 4,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5006% | 777 |
| Assets per employee ($millions) | 2.0004% | 5,995 |
| Cash dividends to net income (ytd only)* | 162.7219% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7516% | 1,248 |
| Loan loss allowance to noncurrent loans | 99.5231% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 2.8311% | 472 |
| Noncurrent loans to loans | 1.7600% | 1,261 |
| Net loans and leases to total assets | 52.1372% | 4,618 |
| Net loans and leases to deposits | 58.7591% | 4,798 |
| Net loans and leases to core deposits | 60.0559% | 4,935 |
| Total domestic deposits to total assets | 88.7304% | 1,232 |
| Equity capital to assets | 10.7211% | 3,231 |
| Core capital (leverage) ratio | 10.7447% | 2,676 |
| Tier 1 risk-based capital ratio | 15.7307% | 2,814 |
| Total risk-based capital ratio | 16.9821% | 2,750 |
| Memoranda: | ||
| Average total assets | $203,709,000 | 2,944 |
| Average earning assets | $184,575,000 | 3,000 |
| Average equity | $21,747,000 | 3,046 |
| Average total loans | $108,637,500 | 3,262 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5823% | 1,382 |
| Cost of funding earning assets | 0.5668% | 1,618 |
| Net interest margin | 4.0155% | 1,668 |
| Noninterest income to average assets | 4.6748% | 136 |
| Noninterest expense to average assets | 7.1590% | 136 |
| Loan and lease loss provision to assets | 0.1910% | 1,159 |
| Net operating income to assets | 0.6769% | 3,917 |
| Return on assets (ROA) | 0.6769% | 4,019 |
| Pretax return on assets | 0.9698% | 3,580 |
| Return on Equity (ROE) | 6.4838% | 3,788 |
| Retained earnings to average equity (ytd only) | 4.1260% | 3,065 |
| Net charge-offs to loans | 0.3467% | 856 |
| Credit loss provision to net charge-offs | 101.5707% | 2,465 |
| Earnings coverage of net charge-offs (x) | 6.1728% | 3,266 |
| Efficiency ratio | 86.0473% | 987 |
| Assets per employee ($millions) | 2.0745% | 6,034 |
| Cash dividends to net income (ytd only)* | 36.3636% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6173% | 1,552 |
| Loan loss allowance to noncurrent loans | 67.2714% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 2.7637% | 518 |
| Noncurrent loans to loans | 2.4042% | 787 |
| Net loans and leases to total assets | 52.7218% | 4,632 |
| Net loans and leases to deposits | 59.3680% | 4,822 |
| Net loans and leases to core deposits | 60.6551% | 4,943 |
| Total domestic deposits to total assets | 88.8050% | 1,226 |
| Equity capital to assets | 10.6306% | 3,208 |
| Core capital (leverage) ratio | 10.8637% | 2,540 |
| Tier 1 risk-based capital ratio | 14.9835% | 3,189 |
| Total risk-based capital ratio | 16.2149% | 3,127 |
| Memoranda: | ||
| Average total assets | $203,130,000 | 2,915 |
| Average earning assets | $184,384,400 | 2,952 |
| Average equity | $21,206,800 | 3,047 |
| Average total loans | $110,173,400 | 3,197 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6432% | 1,225 |
| Cost of funding earning assets | 0.5705% | 1,625 |
| Net interest margin | 4.0726% | 1,484 |
| Noninterest income to average assets | 4.6442% | 140 |
| Noninterest expense to average assets | 7.2678% | 137 |
| Loan and lease loss provision to assets | 0.1948% | 1,038 |
| Net operating income to assets | 0.6161% | 4,303 |
| Return on assets (ROA) | 0.6161% | 4,412 |
| Pretax return on assets | 0.8794% | 4,052 |
| Return on Equity (ROE) | 5.9285% | 4,186 |
| Retained earnings to average equity (ytd only) | 2.7616% | 4,458 |
| Net charge-offs to loans | 0.2565% | 1,026 |
| Credit loss provision to net charge-offs | 139.6226% | 1,773 |
| Earnings coverage of net charge-offs (x) | 7.6981% | 2,887 |
| Efficiency ratio | 87.1232% | 926 |
| Assets per employee ($millions) | 2.0058% | 6,135 |
| Cash dividends to net income (ytd only)* | 53.4188% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7194% | 1,426 |
| Loan loss allowance to noncurrent loans | 74.2800% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 3.0266% | 496 |
| Noncurrent loans to loans | 2.3148% | 921 |
| Net loans and leases to total assets | 53.4526% | 4,622 |
| Net loans and leases to deposits | 60.5773% | 4,813 |
| Net loans and leases to core deposits | 61.9451% | 4,946 |
| Total domestic deposits to total assets | 88.2386% | 1,430 |
| Equity capital to assets | 10.7824% | 3,260 |
| Core capital (leverage) ratio | 10.5639% | 2,968 |
| Tier 1 risk-based capital ratio | 15.1694% | 3,203 |
| Total risk-based capital ratio | 16.4207% | 3,139 |
| Memoranda: | ||
| Average total assets | $202,568,000 | 2,944 |
| Average earning assets | $183,922,250 | 2,982 |
| Average equity | $21,050,250 | 3,091 |
| Average total loans | $110,202,000 | 3,229 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5924% | 1,299 |
| Cost of funding earning assets | 0.5658% | 1,677 |
| Net interest margin | 4.0266% | 1,564 |
| Noninterest income to average assets | 4.4179% | 145 |
| Noninterest expense to average assets | 6.9986% | 148 |
| Loan and lease loss provision to assets | 0.2001% | 981 |
| Net operating income to assets | 0.6140% | 4,275 |
| Return on assets (ROA) | 0.6140% | 4,399 |
| Pretax return on assets | 0.8838% | 4,015 |
| Return on Equity (ROE) | 5.9818% | 4,134 |
| Retained earnings to average equity (ytd only) | 1.2040% | 5,078 |
| Net charge-offs to loans | 0.2686% | 978 |
| Credit loss provision to net charge-offs | 136.9128% | 1,631 |
| Earnings coverage of net charge-offs (x) | 7.4161% | 2,675 |
| Efficiency ratio | 86.5898% | 1,012 |
| Assets per employee ($millions) | 2.2952% | 6,128 |
| Cash dividends to net income (ytd only)* | 79.8722% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6100% | 1,875 |
| Loan loss allowance to noncurrent loans | 80.0350% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 2.6693% | 677 |
| Noncurrent loans to loans | 2.0116% | 1,208 |
| Net loans and leases to total assets | 54.0792% | 4,545 |
| Net loans and leases to deposits | 62.8309% | 4,636 |
| Net loans and leases to core deposits | 63.7015% | 4,830 |
| Total domestic deposits to total assets | 86.0711% | 2,664 |
| Equity capital to assets | 10.2067% | 3,798 |
| Core capital (leverage) ratio | 10.1322% | 3,425 |
| Tier 1 risk-based capital ratio | 15.4385% | 3,135 |
| Total risk-based capital ratio | 16.6899% | 3,076 |
| Memoranda: | ||
| Average total assets | $203,899,330 | 2,956 |
| Average earning assets | $185,567,330 | 2,985 |
| Average equity | $20,930,000 | 3,117 |
| Average total loans | $110,936,000 | 3,234 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4724% | 1,545 |
| Cost of funding earning assets | 0.5542% | 1,804 |
| Net interest margin | 3.9182% | 1,825 |
| Noninterest income to average assets | 3.8467% | 166 |
| Noninterest expense to average assets | 6.5323% | 168 |
| Loan and lease loss provision to assets | 0.2231% | 788 |
| Net operating income to assets | 0.4917% | 4,726 |
| Return on assets (ROA) | 0.4917% | 4,842 |
| Pretax return on assets | 0.6655% | 4,709 |
| Return on Equity (ROE) | 4.7763% | 4,630 |
| Retained earnings to average equity (ytd only) | -4.8147% | 5,924 |
| Net charge-offs to loans | 0.0912% | 1,807 |
| Credit loss provision to net charge-offs | 452.0000% | 593 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,501 |
| Efficiency ratio | 88.0255% | 1,013 |
| Assets per employee ($millions) | 2.2637% | 6,209 |
| Cash dividends to net income (ytd only)* | 200.8032% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6490% | 1,886 |
| Loan loss allowance to noncurrent loans | 59.6345% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 2.5764% | 818 |
| Noncurrent loans to loans | 2.7652% | 836 |
| Net loans and leases to total assets | 54.4496% | 4,379 |
| Net loans and leases to deposits | 63.3167% | 4,453 |
| Net loans and leases to core deposits | 64.2068% | 4,679 |
| Total domestic deposits to total assets | 85.9957% | 2,942 |
| Equity capital to assets | 10.1783% | 3,905 |
| Core capital (leverage) ratio | 10.3153% | 3,198 |
| Tier 1 risk-based capital ratio | 14.7691% | 3,564 |
| Total risk-based capital ratio | 16.1069% | 3,449 |
| Memoranda: | ||
| Average total assets | $202,563,500 | 2,983 |
| Average earning assets | $184,776,500 | 3,000 |
| Average equity | $20,853,000 | 3,148 |
| Average total loans | $109,634,000 | 3,264 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7608% | 1,190 |
| Cost of funding earning assets | 0.6051% | 1,723 |
| Net interest margin | 4.1557% | 1,414 |
| Noninterest income to average assets | 2.6551% | 220 |
| Noninterest expense to average assets | 5.1857% | 277 |
| Loan and lease loss provision to assets | 0.1259% | 2,080 |
| Net operating income to assets | 0.7729% | 3,507 |
| Return on assets (ROA) | 0.7729% | 3,601 |
| Pretax return on assets | 1.1186% | 3,014 |
| Return on Equity (ROE) | 7.6872% | 3,283 |
| Retained earnings to average equity (ytd only) | 5.2313% | 2,448 |
| Net charge-offs to loans | 0.8823% | 368 |
| Credit loss provision to net charge-offs | 26.9841% | 3,886 |
| Earnings coverage of net charge-offs (x) | 2.6667% | 4,094 |
| Efficiency ratio | 80.6452% | 1,826 |
| Assets per employee ($millions) | 2.4560% | 6,183 |
| Cash dividends to net income (ytd only)* | 31.9489% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6652% | 1,878 |
| Loan loss allowance to noncurrent loans | 65.3520% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 2.4157% | 964 |
| Noncurrent loans to loans | 2.5480% | 992 |
| Net loans and leases to total assets | 51.9892% | 4,783 |
| Net loans and leases to deposits | 59.6339% | 4,934 |
| Net loans and leases to core deposits | 60.3812% | 5,111 |
| Total domestic deposits to total assets | 87.1806% | 2,177 |
| Equity capital to assets | 10.4121% | 3,600 |
| Core capital (leverage) ratio | 10.1731% | 3,341 |
| Tier 1 risk-based capital ratio | 15.9783% | 2,969 |
| Total risk-based capital ratio | 17.2299% | 2,913 |
| Memoranda: | ||
| Average total assets | $202,479,200 | 2,956 |
| Average earning assets | $183,939,200 | 2,989 |
| Average equity | $20,358,400 | 3,123 |
| Average total loans | $107,109,200 | 3,286 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7844% | 1,135 |
| Cost of funding earning assets | 0.6140% | 1,729 |
| Net interest margin | 4.1704% | 1,375 |
| Noninterest income to average assets | 2.5844% | 229 |
| Noninterest expense to average assets | 5.0425% | 300 |
| Loan and lease loss provision to assets | 0.1256% | 1,993 |
| Net operating income to assets | 0.8963% | 2,924 |
| Return on assets (ROA) | 0.8963% | 3,022 |
| Pretax return on assets | 1.2041% | 2,762 |
| Return on Equity (ROE) | 8.9939% | 2,687 |
| Retained earnings to average equity (ytd only) | 5.6946% | 2,611 |
| Net charge-offs to loans | 1.0565% | 279 |
| Credit loss provision to net charge-offs | 22.4706% | 3,558 |
| Earnings coverage of net charge-offs (x) | 2.3788% | 3,928 |
| Efficiency ratio | 79.1331% | 2,034 |
| Assets per employee ($millions) | 2.7312% | 6,050 |
| Cash dividends to net income (ytd only)* | 36.6837% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7605% | 1,793 |
| Loan loss allowance to noncurrent loans | 64.5081% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 2.5160% | 1,042 |
| Noncurrent loans to loans | 2.7291% | 1,035 |
| Net loans and leases to total assets | 47.2268% | 5,275 |
| Net loans and leases to deposits | 52.6393% | 5,496 |
| Net loans and leases to core deposits | 53.4895% | 5,595 |
| Total domestic deposits to total assets | 89.7177% | 866 |
| Equity capital to assets | 9.7354% | 4,505 |
| Core capital (leverage) ratio | 10.3088% | 3,281 |
| Tier 1 risk-based capital ratio | 15.6882% | 3,221 |
| Total risk-based capital ratio | 16.9399% | 3,157 |
| Memoranda: | ||
| Average total assets | $202,751,500 | 2,982 |
| Average earning assets | $184,150,750 | 3,012 |
| Average equity | $20,205,750 | 3,148 |
| Average total loans | $107,268,000 | 3,300 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9270% | 865 |
| Cost of funding earning assets | 0.6272% | 1,663 |
| Net interest margin | 4.2999% | 1,025 |
| Noninterest income to average assets | 2.5597% | 233 |
| Noninterest expense to average assets | 5.0019% | 312 |
| Loan and lease loss provision to assets | 0.1274% | 1,937 |
| Net operating income to assets | 1.0255% | 2,221 |
| Return on assets (ROA) | 1.0255% | 2,285 |
| Pretax return on assets | 1.3445% | 2,101 |
| Return on Equity (ROE) | 10.2059% | 2,057 |
| Retained earnings to average equity (ytd only) | 5.2128% | 2,822 |
| Net charge-offs to loans | 0.1929% | 1,870 |
| Credit loss provision to net charge-offs | 120.9524% | 1,709 |
| Earnings coverage of net charge-offs (x) | 13.9714% | 1,941 |
| Efficiency ratio | 77.2629% | 2,414 |
| Assets per employee ($millions) | 2.5709% | 6,236 |
| Cash dividends to net income (ytd only)* | 48.9237% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3048% | 892 |
| Loan loss allowance to noncurrent loans | 66.9539% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 3.5366% | 652 |
| Noncurrent loans to loans | 3.4423% | 779 |
| Net loans and leases to total assets | 52.5487% | 4,689 |
| Net loans and leases to deposits | 58.9036% | 4,961 |
| Net loans and leases to core deposits | 59.7496% | 5,145 |
| Total domestic deposits to total assets | 89.2113% | 1,240 |
| Equity capital to assets | 10.1883% | 3,847 |
| Core capital (leverage) ratio | 10.2236% | 3,306 |
| Tier 1 risk-based capital ratio | 15.4906% | 3,356 |
| Total risk-based capital ratio | 16.7485% | 3,300 |
| Memoranda: | ||
| Average total assets | $199,323,330 | 3,042 |
| Average earning assets | $181,447,330 | 3,062 |
| Average equity | $20,027,670 | 3,164 |
| Average total loans | $108,886,330 | 3,271 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1590% | 524 |
| Cost of funding earning assets | 0.6460% | 1,611 |
| Net interest margin | 4.5130% | 641 |
| Noninterest income to average assets | 1.8156% | 394 |
| Noninterest expense to average assets | 4.7283% | 376 |
| Loan and lease loss provision to assets | 0.1268% | 1,918 |
| Net operating income to assets | 0.8696% | 2,796 |
| Return on assets (ROA) | 0.8696% | 2,865 |
| Pretax return on assets | 1.0668% | 3,050 |
| Return on Equity (ROE) | 8.7158% | 2,588 |
| Retained earnings to average equity (ytd only) | -1.3719% | 5,779 |
| Net charge-offs to loans | 0.0695% | 2,455 |
| Credit loss provision to net charge-offs | 331.5789% | 751 |
| Earnings coverage of net charge-offs (x) | 31.2105% | 1,023 |
| Efficiency ratio | 79.8436% | 2,234 |
| Assets per employee ($millions) | 2.6248% | 6,273 |
| Cash dividends to net income (ytd only)* | 115.7407% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2538% | 1,094 |
| Loan loss allowance to noncurrent loans | 83.5110% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 3.0935% | 904 |
| Noncurrent loans to loans | 2.6988% | 1,250 |
| Net loans and leases to total assets | 54.5033% | 4,347 |
| Net loans and leases to deposits | 60.8768% | 4,674 |
| Net loans and leases to core deposits | 62.2440% | 4,855 |
| Total domestic deposits to total assets | 89.5305% | 1,354 |
| Equity capital to assets | 9.9281% | 3,927 |
| Core capital (leverage) ratio | 10.0307% | 3,530 |
| Tier 1 risk-based capital ratio | 14.7261% | 3,872 |
| Total risk-based capital ratio | 15.9838% | 3,819 |
| Memoranda: | ||
| Average total assets | $198,718,000 | 3,069 |
| Average earning assets | $180,811,000 | 3,086 |
| Average equity | $19,826,000 | 3,185 |
| Average total loans | $109,397,500 | 3,273 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0173% | 888 |
| Cost of funding earning assets | 0.7870% | 1,279 |
| Net interest margin | 4.2303% | 1,272 |
| Noninterest income to average assets | 3.5389% | 184 |
| Noninterest expense to average assets | 6.0697% | 196 |
| Loan and lease loss provision to assets | 0.1303% | 2,684 |
| Net operating income to assets | 0.8733% | 2,912 |
| Return on assets (ROA) | 0.8733% | 2,999 |
| Pretax return on assets | 1.1277% | 2,858 |
| Return on Equity (ROE) | 8.9537% | 2,551 |
| Retained earnings to average equity (ytd only) | 6.3448% | 1,776 |
| Net charge-offs to loans | 0.2474% | 2,490 |
| Credit loss provision to net charge-offs | 98.4615% | 2,522 |
| Earnings coverage of net charge-offs (x) | 9.5077% | 2,495 |
| Efficiency ratio | 82.8321% | 1,771 |
| Assets per employee ($millions) | 2.5378% | 6,371 |
| Cash dividends to net income (ytd only)* | 29.1375% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2898% | 1,048 |
| Loan loss allowance to noncurrent loans | 153.7453% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 2.4279% | 1,424 |
| Noncurrent loans to loans | 1.4894% | 2,659 |
| Net loans and leases to total assets | 53.0934% | 4,711 |
| Net loans and leases to deposits | 61.5734% | 4,768 |
| Net loans and leases to core deposits | 64.2061% | 4,849 |
| Total domestic deposits to total assets | 86.2279% | 3,148 |
| Equity capital to assets | 10.0262% | 3,737 |
| Core capital (leverage) ratio | 10.0140% | 3,546 |
| Tier 1 risk-based capital ratio | 14.9258% | 3,712 |
| Total risk-based capital ratio | 16.1833% | 3,656 |
| Memoranda: | ||
| Average total assets | $196,500,800 | 3,069 |
| Average earning assets | $175,991,600 | 3,131 |
| Average equity | $19,165,200 | 3,262 |
| Average total loans | $105,110,800 | 3,339 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0260% | 891 |
| Cost of funding earning assets | 0.8224% | 1,202 |
| Net interest margin | 4.2036% | 1,320 |
| Noninterest income to average assets | 3.7483% | 188 |
| Noninterest expense to average assets | 6.3545% | 176 |
| Loan and lease loss provision to assets | 0.1298% | 2,664 |
| Net operating income to assets | 0.7892% | 3,405 |
| Return on assets (ROA) | 0.7892% | 3,541 |
| Pretax return on assets | 1.0129% | 3,460 |
| Return on Equity (ROE) | 8.1494% | 3,052 |
| Retained earnings to average equity (ytd only) | 4.6398% | 3,367 |
| Net charge-offs to loans | 0.1633% | 2,924 |
| Credit loss provision to net charge-offs | 149.2188% | 1,582 |
| Earnings coverage of net charge-offs (x) | 13.1330% | 2,062 |
| Efficiency ratio | 84.7584% | 1,507 |
| Assets per employee ($millions) | 2.6348% | 6,348 |
| Cash dividends to net income (ytd only)* | 43.0664% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5092% | 921 |
| Loan loss allowance to noncurrent loans | 139.8010% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 2.5301% | 1,516 |
| Noncurrent loans to loans | 1.7949% | 2,504 |
| Net loans and leases to total assets | 50.3954% | 5,096 |
| Net loans and leases to deposits | 56.2973% | 5,349 |
| Net loans and leases to core deposits | 58.6488% | 5,393 |
| Total domestic deposits to total assets | 89.5167% | 1,285 |
| Equity capital to assets | 9.9146% | 4,029 |
| Core capital (leverage) ratio | 9.9117% | 3,796 |
| Tier 1 risk-based capital ratio | 15.3323% | 3,547 |
| Total risk-based capital ratio | 16.5921% | 3,496 |
| Memoranda: | ||
| Average total assets | $196,138,250 | 3,096 |
| Average earning assets | $174,927,000 | 3,177 |
| Average equity | $18,994,750 | 3,314 |
| Average total loans | $104,498,000 | 3,377 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0667% | 821 |
| Cost of funding earning assets | 0.8836% | 970 |
| Net interest margin | 4.1831% | 1,326 |
| Noninterest income to average assets | 4.0697% | 182 |
| Noninterest expense to average assets | 6.6821% | 160 |
| Loan and lease loss provision to assets | 0.1292% | 2,705 |
| Net operating income to assets | 0.6991% | 3,813 |
| Return on assets (ROA) | 0.6991% | 3,987 |
| Pretax return on assets | 0.9729% | 3,623 |
| Return on Equity (ROE) | 7.2765% | 3,456 |
| Retained earnings to average equity (ytd only) | 1.9807% | 5,014 |
| Net charge-offs to loans | 0.1419% | 2,961 |
| Credit loss provision to net charge-offs | 169.3333% | 1,392 |
| Earnings coverage of net charge-offs (x) | 14.4400% | 1,822 |
| Efficiency ratio | 85.8413% | 1,428 |
| Assets per employee ($millions) | 2.6496% | 6,350 |
| Cash dividends to net income (ytd only)* | 72.7802% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4588% | 1,028 |
| Loan loss allowance to noncurrent loans | 140.4350% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 2.8892% | 1,419 |
| Noncurrent loans to loans | 1.7508% | 2,696 |
| Net loans and leases to total assets | 50.9456% | 5,005 |
| Net loans and leases to deposits | 56.6439% | 5,280 |
| Net loans and leases to core deposits | 59.0550% | 5,342 |
| Total domestic deposits to total assets | 89.9400% | 1,064 |
| Equity capital to assets | 9.6214% | 4,421 |
| Core capital (leverage) ratio | 9.5163% | 4,219 |
| Tier 1 risk-based capital ratio | 14.8299% | 3,890 |
| Total risk-based capital ratio | 16.0894% | 3,846 |
| Memoranda: | ||
| Average total assets | $196,525,670 | 3,108 |
| Average earning assets | $174,510,330 | 3,197 |
| Average equity | $18,882,670 | 3,344 |
| Average total loans | $105,734,670 | 3,365 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0438% | 830 |
| Cost of funding earning assets | 0.9515% | 779 |
| Net interest margin | 4.0923% | 1,482 |
| Noninterest income to average assets | 3.9624% | 188 |
| Noninterest expense to average assets | 6.5524% | 171 |
| Loan and lease loss provision to assets | 0.1281% | 2,637 |
| Net operating income to assets | 0.6180% | 4,130 |
| Return on assets (ROA) | 0.6180% | 4,288 |
| Pretax return on assets | 0.8844% | 3,819 |
| Return on Equity (ROE) | 6.4368% | 3,800 |
| Retained earnings to average equity (ytd only) | 6.4368% | 2,438 |
| Net charge-offs to loans | 0.2942% | 1,790 |
| Credit loss provision to net charge-offs | 79.7468% | 2,156 |
| Earnings coverage of net charge-offs (x) | 6.3038% | 2,241 |
| Efficiency ratio | 86.6165% | 1,448 |
| Assets per employee ($millions) | 2.5371% | 6,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3081% | 1,398 |
| Loan loss allowance to noncurrent loans | 111.4091% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 2.8289% | 1,595 |
| Noncurrent loans to loans | 2.0718% | 2,543 |
| Net loans and leases to total assets | 51.7572% | 4,742 |
| Net loans and leases to deposits | 57.4700% | 5,094 |
| Net loans and leases to core deposits | 59.8572% | 5,160 |
| Total domestic deposits to total assets | 90.0595% | 1,008 |
| Equity capital to assets | 9.4965% | 4,853 |
| Core capital (leverage) ratio | 9.7608% | 3,714 |
| Tier 1 risk-based capital ratio | 14.6431% | 4,071 |
| Total risk-based capital ratio | 15.9015% | 4,029 |
| Memoranda: | ||
| Average total assets | $196,751,500 | 3,133 |
| Average earning assets | $173,201,500 | 3,232 |
| Average equity | $18,891,500 | 3,390 |
| Average total loans | $107,397,500 | 3,348 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7006% | 432 |
| Cost of funding earning assets | 1.0505% | 1,120 |
| Net interest margin | 4.6501% | 715 |
| Noninterest income to average assets | 4.6969% | 156 |
| Noninterest expense to average assets | 7.2948% | 133 |
| Loan and lease loss provision to assets | 0.2203% | 2,933 |
| Net operating income to assets | 0.8257% | 3,154 |
| Return on assets (ROA) | 0.8257% | 3,415 |
| Pretax return on assets | 1.2017% | 2,803 |
| Return on Equity (ROE) | 8.4899% | 2,868 |
| Retained earnings to average equity (ytd only) | 8.4899% | 968 |
| Net charge-offs to loans | 0.2291% | 3,562 |
| Credit loss provision to net charge-offs | 156.7050% | 1,722 |
| Earnings coverage of net charge-offs (x) | 10.1149% | 2,180 |
| Efficiency ratio | 83.6866% | 1,665 |
| Assets per employee ($millions) | 2.4753% | 6,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2715% | 1,415 |
| Loan loss allowance to noncurrent loans | 122.0079% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 2.9424% | 1,613 |
| Noncurrent loans to loans | 1.8618% | 2,847 |
| Net loans and leases to total assets | 54.9741% | 4,453 |
| Net loans and leases to deposits | 61.2034% | 4,882 |
| Net loans and leases to core deposits | 66.6744% | 4,672 |
| Total domestic deposits to total assets | 89.8219% | 1,055 |
| Equity capital to assets | 9.7109% | 4,574 |
| Core capital (leverage) ratio | 9.9286% | 3,501 |
| Tier 1 risk-based capital ratio | 14.7472% | 3,866 |
| Total risk-based capital ratio | 16.0059% | 3,813 |
| Memoranda: | ||
| Average total assets | $185,653,000 | 3,230 |
| Average earning assets | $160,491,800 | 3,369 |
| Average equity | $18,056,800 | 3,457 |
| Average total loans | $113,925,200 | 3,211 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7615% | 419 |
| Cost of funding earning assets | 1.0605% | 1,235 |
| Net interest margin | 4.7011% | 672 |
| Noninterest income to average assets | 4.7261% | 150 |
| Noninterest expense to average assets | 7.3027% | 131 |
| Loan and lease loss provision to assets | 0.2314% | 2,728 |
| Net operating income to assets | 0.9633% | 2,691 |
| Return on assets (ROA) | 0.9633% | 2,904 |
| Pretax return on assets | 1.2695% | 2,712 |
| Return on Equity (ROE) | 9.9007% | 2,391 |
| Retained earnings to average equity (ytd only) | 9.9007% | 942 |
| Net charge-offs to loans | 0.2591% | 3,172 |
| Credit loss provision to net charge-offs | 142.4107% | 2,023 |
| Earnings coverage of net charge-offs (x) | 9.2366% | 2,348 |
| Efficiency ratio | 82.9515% | 1,704 |
| Assets per employee ($millions) | 2.3987% | 6,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1489% | 1,809 |
| Loan loss allowance to noncurrent loans | 160.8927% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 3.1077% | 1,673 |
| Noncurrent loans to loans | 1.3356% | 3,800 |
| Net loans and leases to total assets | 59.5387% | 3,871 |
| Net loans and leases to deposits | 66.7318% | 4,371 |
| Net loans and leases to core deposits | 73.0379% | 4,115 |
| Total domestic deposits to total assets | 89.2209% | 1,301 |
| Equity capital to assets | 10.0596% | 4,406 |
| Core capital (leverage) ratio | 9.9536% | 3,607 |
| Tier 1 risk-based capital ratio | 14.3909% | 4,267 |
| Total risk-based capital ratio | 15.6486% | 4,234 |
| Memoranda: | ||
| Average total assets | $183,798,500 | 3,290 |
| Average earning assets | $159,421,000 | 3,421 |
| Average equity | $17,883,750 | 3,521 |
| Average total loans | $115,255,000 | 3,215 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8225% | 397 |
| Cost of funding earning assets | 1.0703% | 1,356 |
| Net interest margin | 4.7522% | 610 |
| Noninterest income to average assets | 4.4033% | 157 |
| Noninterest expense to average assets | 7.0181% | 145 |
| Loan and lease loss provision to assets | 0.2125% | 2,950 |
| Net operating income to assets | 1.0060% | 2,437 |
| Return on assets (ROA) | 1.0060% | 2,654 |
| Pretax return on assets | 1.2861% | 2,609 |
| Return on Equity (ROE) | 10.4579% | 2,192 |
| Retained earnings to average equity (ytd only) | 10.4579% | 861 |
| Net charge-offs to loans | 0.1721% | 3,571 |
| Credit loss provision to net charge-offs | 195.0000% | 1,453 |
| Earnings coverage of net charge-offs (x) | 13.7500% | 1,766 |
| Efficiency ratio | 82.4034% | 1,827 |
| Assets per employee ($millions) | 2.5483% | 6,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1041% | 1,988 |
| Loan loss allowance to noncurrent loans | 123.8462% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 3.2495% | 1,672 |
| Noncurrent loans to loans | 1.6989% | 3,348 |
| Net loans and leases to total assets | 61.2416% | 3,581 |
| Net loans and leases to deposits | 68.3141% | 4,150 |
| Net loans and leases to core deposits | 74.7820% | 3,923 |
| Total domestic deposits to total assets | 89.6471% | 1,130 |
| Equity capital to assets | 9.9038% | 4,479 |
| Core capital (leverage) ratio | 9.8402% | 3,658 |
| Tier 1 risk-based capital ratio | 13.9835% | 4,460 |
| Total risk-based capital ratio | 15.2410% | 4,421 |
| Memoranda: | ||
| Average total assets | $183,498,000 | 3,304 |
| Average earning assets | $158,833,000 | 3,449 |
| Average equity | $17,651,670 | 3,548 |
| Average total loans | $116,212,330 | 3,212 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8441% | 396 |
| Cost of funding earning assets | 1.0901% | 1,454 |
| Net interest margin | 4.7540% | 622 |
| Noninterest income to average assets | 4.0826% | 165 |
| Noninterest expense to average assets | 6.7746% | 153 |
| Loan and lease loss provision to assets | 0.1722% | 3,246 |
| Net operating income to assets | 0.9918% | 2,511 |
| Return on assets (ROA) | 0.9918% | 2,705 |
| Pretax return on assets | 1.2424% | 2,756 |
| Return on Equity (ROE) | 10.4646% | 2,248 |
| Retained earnings to average equity (ytd only) | 10.4646% | 1,167 |
| Net charge-offs to loans | 0.1403% | 3,256 |
| Credit loss provision to net charge-offs | 192.6829% | 1,372 |
| Earnings coverage of net charge-offs (x) | 15.8293% | 1,401 |
| Efficiency ratio | 82.7256% | 1,838 |
| Assets per employee ($millions) | 2.5672% | 6,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0652% | 2,180 |
| Loan loss allowance to noncurrent loans | 98.7851% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 3.6918% | 1,532 |
| Noncurrent loans to loans | 2.0906% | 3,044 |
| Net loans and leases to total assets | 60.4945% | 3,558 |
| Net loans and leases to deposits | 67.1697% | 4,197 |
| Net loans and leases to core deposits | 73.7634% | 3,924 |
| Total domestic deposits to total assets | 90.0622% | 1,054 |
| Equity capital to assets | 9.5147% | 4,784 |
| Core capital (leverage) ratio | 9.6857% | 3,786 |
| Tier 1 risk-based capital ratio | 13.6174% | 4,738 |
| Total risk-based capital ratio | 14.8748% | 4,721 |
| Memoranda: | ||
| Average total assets | $183,509,500 | 3,326 |
| Average earning assets | $158,520,000 | 3,461 |
| Average equity | $17,392,000 | 3,593 |
| Average total loans | $116,929,500 | 3,210 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4501% | 194 |
| Cost of funding earning assets | 1.4296% | 920 |
| Net interest margin | 5.0205% | 400 |
| Noninterest income to average assets | 3.3229% | 187 |
| Noninterest expense to average assets | 6.6322% | 163 |
| Loan and lease loss provision to assets | 0.4385% | 2,400 |
| Net operating income to assets | 0.3698% | 4,995 |
| Return on assets (ROA) | 0.3698% | 5,163 |
| Pretax return on assets | 0.5089% | 4,965 |
| Return on Equity (ROE) | 3.8628% | 4,916 |
| Retained earnings to average equity (ytd only) | 3.8628% | 3,459 |
| Net charge-offs to loans | 0.3430% | 3,687 |
| Credit loss provision to net charge-offs | 196.9388% | 1,287 |
| Earnings coverage of net charge-offs (x) | 4.2551% | 3,200 |
| Efficiency ratio | 87.5000% | 1,400 |
| Assets per employee ($millions) | 2.5303% | 6,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9385% | 2,455 |
| Loan loss allowance to noncurrent loans | 118.1263% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 3.6234% | 1,620 |
| Noncurrent loans to loans | 1.6410% | 3,705 |
| Net loans and leases to total assets | 64.4218% | 3,091 |
| Net loans and leases to deposits | 71.4682% | 3,878 |
| Net loans and leases to core deposits | 76.0991% | 3,968 |
| Total domestic deposits to total assets | 90.1405% | 921 |
| Equity capital to assets | 9.4396% | 4,980 |
| Core capital (leverage) ratio | 9.6853% | 3,760 |
| Tier 1 risk-based capital ratio | 13.1010% | 4,994 |
| Total risk-based capital ratio | 14.3576% | 4,960 |
| Memoranda: | ||
| Average total assets | $176,049,600 | 3,395 |
| Average earning assets | $149,268,600 | 3,588 |
| Average equity | $16,853,200 | 3,600 |
| Average total loans | $114,280,800 | 3,288 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5438% | 186 |
| Cost of funding earning assets | 1.5178% | 801 |
| Net interest margin | 5.0260% | 392 |
| Noninterest income to average assets | 3.1354% | 202 |
| Noninterest expense to average assets | 6.3152% | 177 |
| Loan and lease loss provision to assets | 0.4637% | 2,134 |
| Net operating income to assets | 0.4462% | 4,800 |
| Return on assets (ROA) | 0.4462% | 4,993 |
| Pretax return on assets | 0.6066% | 4,790 |
| Return on Equity (ROE) | 4.6439% | 4,699 |
| Retained earnings to average equity (ytd only) | 4.6439% | 3,416 |
| Net charge-offs to loans | 0.3436% | 3,382 |
| Credit loss provision to net charge-offs | 208.5911% | 1,397 |
| Earnings coverage of net charge-offs (x) | 4.8144% | 2,956 |
| Efficiency ratio | 85.5074% | 1,581 |
| Assets per employee ($millions) | 2.4517% | 6,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9018% | 2,605 |
| Loan loss allowance to noncurrent loans | 313.3333% | 999 |
| Noncurrent assets plus other real estate owned to assets | 2.9311% | 2,196 |
| Noncurrent loans to loans | 0.6070% | 5,674 |
| Net loans and leases to total assets | 65.9232% | 2,918 |
| Net loans and leases to deposits | 73.4773% | 3,729 |
| Net loans and leases to core deposits | 83.1195% | 3,170 |
| Total domestic deposits to total assets | 89.7191% | 1,027 |
| Equity capital to assets | 9.7115% | 4,762 |
| Core capital (leverage) ratio | 9.6003% | 3,989 |
| Tier 1 risk-based capital ratio | 13.1504% | 4,990 |
| Total risk-based capital ratio | 14.4066% | 4,959 |
| Memoranda: | ||
| Average total assets | $174,517,250 | 3,439 |
| Average earning assets | $147,575,750 | 3,635 |
| Average equity | $16,767,250 | 3,621 |
| Average total loans | $112,930,250 | 3,351 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5013% | 205 |
| Cost of funding earning assets | 1.5933% | 711 |
| Net interest margin | 4.9080% | 483 |
| Noninterest income to average assets | 2.7092% | 242 |
| Noninterest expense to average assets | 5.9212% | 202 |
| Loan and lease loss provision to assets | 0.4671% | 2,114 |
| Net operating income to assets | 0.3946% | 4,970 |
| Return on assets (ROA) | 0.3946% | 5,116 |
| Pretax return on assets | 0.4636% | 5,183 |
| Return on Equity (ROE) | 4.1221% | 4,871 |
| Retained earnings to average equity (ytd only) | 4.1221% | 3,575 |
| Net charge-offs to loans | 0.4215% | 2,875 |
| Credit loss provision to net charge-offs | 173.5043% | 1,741 |
| Earnings coverage of net charge-offs (x) | 3.4573% | 3,161 |
| Efficiency ratio | 86.4171% | 1,555 |
| Assets per employee ($millions) | 2.4811% | 6,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9455% | 2,525 |
| Loan loss allowance to noncurrent loans | 89.1185% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 5.1389% | 1,187 |
| Noncurrent loans to loans | 2.1830% | 3,243 |
| Net loans and leases to total assets | 59.6167% | 4,344 |
| Net loans and leases to deposits | 66.1733% | 4,979 |
| Net loans and leases to core deposits | 75.2269% | 4,406 |
| Total domestic deposits to total assets | 90.0917% | 925 |
| Equity capital to assets | 9.4330% | 4,921 |
| Core capital (leverage) ratio | 9.5266% | 3,915 |
| Tier 1 risk-based capital ratio | 13.3642% | 4,636 |
| Total risk-based capital ratio | 14.6193% | 4,619 |
| Memoranda: | ||
| Average total assets | $173,849,000 | 3,470 |
| Average earning assets | $146,739,000 | 3,672 |
| Average equity | $16,642,000 | 3,631 |
| Average total loans | $111,032,000 | 3,432 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5422% | 201 |
| Cost of funding earning assets | 1.6023% | 808 |
| Net interest margin | 4.9399% | 424 |
| Noninterest income to average assets | 2.2863% | 304 |
| Noninterest expense to average assets | 5.5898% | 245 |
| Loan and lease loss provision to assets | 0.3383% | 2,533 |
| Net operating income to assets | 0.4689% | 4,627 |
| Return on assets (ROA) | 0.4689% | 4,708 |
| Pretax return on assets | 0.5156% | 4,976 |
| Return on Equity (ROE) | 4.8617% | 4,474 |
| Retained earnings to average equity (ytd only) | 4.8617% | 3,277 |
| Net charge-offs to loans | 0.2495% | 3,088 |
| Credit loss provision to net charge-offs | 207.1429% | 1,437 |
| Earnings coverage of net charge-offs (x) | 5.2286% | 2,312 |
| Efficiency ratio | 86.7487% | 1,637 |
| Assets per employee ($millions) | 2.3745% | 7,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8959% | 2,704 |
| Loan loss allowance to noncurrent loans | 141.0777% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 4.3018% | 1,521 |
| Noncurrent loans to loans | 1.3439% | 4,467 |
| Net loans and leases to total assets | 59.3668% | 4,394 |
| Net loans and leases to deposits | 65.9892% | 4,980 |
| Net loans and leases to core deposits | 75.8101% | 4,322 |
| Total domestic deposits to total assets | 89.9645% | 1,170 |
| Equity capital to assets | 9.4459% | 4,507 |
| Core capital (leverage) ratio | 9.7553% | 3,443 |
| Tier 1 risk-based capital ratio | 13.3106% | 4,566 |
| Total risk-based capital ratio | 14.5649% | 4,543 |
| Memoranda: | ||
| Average total assets | $171,454,500 | 3,529 |
| Average earning assets | $144,295,000 | 3,746 |
| Average equity | $16,537,500 | 3,633 |
| Average total loans | $112,242,500 | 3,437 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8880% | 167 |
| Cost of funding earning assets | 1.8903% | 876 |
| Net interest margin | 4.9976% | 432 |
| Noninterest income to average assets | 3.4937% | 196 |
| Noninterest expense to average assets | 6.6189% | 178 |
| Loan and lease loss provision to assets | 0.7806% | 2,095 |
| Net operating income to assets | 0.2311% | 5,177 |
| Return on assets (ROA) | 0.2311% | 5,329 |
| Pretax return on assets | 0.3129% | 5,194 |
| Return on Equity (ROE) | 2.7361% | 5,066 |
| Retained earnings to average equity (ytd only) | 2.7361% | 3,941 |
| Net charge-offs to loans | 0.6734% | 2,989 |
| Credit loss provision to net charge-offs | 181.8418% | 1,817 |
| Earnings coverage of net charge-offs (x) | 2.5473% | 3,837 |
| Efficiency ratio | 85.8215% | 1,713 |
| Assets per employee ($millions) | 2.1435% | 7,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6420% | 3,419 |
| Loan loss allowance to noncurrent loans | 104.8082% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 4.9141% | 1,311 |
| Noncurrent loans to loans | 1.5666% | 4,151 |
| Net loans and leases to total assets | 69.5077% | 2,658 |
| Net loans and leases to deposits | 77.5362% | 3,585 |
| Net loans and leases to core deposits | 88.8960% | 2,918 |
| Total domestic deposits to total assets | 89.6455% | 1,294 |
| Equity capital to assets | 9.8551% | 3,931 |
| Core capital (leverage) ratio | 9.3929% | 3,856 |
| Tier 1 risk-based capital ratio | 12.7554% | 4,814 |
| Total risk-based capital ratio | 14.0087% | 4,782 |
| Memoranda: | ||
| Average total assets | $179,608,000 | 3,383 |
| Average earning assets | $151,612,200 | 3,610 |
| Average equity | $15,167,800 | 3,912 |
| Average total loans | $114,493,600 | 3,438 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7675% | 209 |
| Cost of funding earning assets | 1.9462% | 891 |
| Net interest margin | 4.8212% | 649 |
| Noninterest income to average assets | 3.2327% | 208 |
| Noninterest expense to average assets | 6.2742% | 200 |
| Loan and lease loss provision to assets | 0.7173% | 2,129 |
| Net operating income to assets | 0.2722% | 5,269 |
| Return on assets (ROA) | 0.2722% | 5,432 |
| Pretax return on assets | 0.3247% | 5,434 |
| Return on Equity (ROE) | 3.3511% | 5,078 |
| Retained earnings to average equity (ytd only) | 3.3511% | 4,090 |
| Net charge-offs to loans | 0.7525% | 2,545 |
| Credit loss provision to net charge-offs | 153.3541% | 2,516 |
| Earnings coverage of net charge-offs (x) | 2.2278% | 4,061 |
| Efficiency ratio | 85.7570% | 1,658 |
| Assets per employee ($millions) | 2.2680% | 7,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3382% | 4,762 |
| Loan loss allowance to noncurrent loans | 38.1436% | 5,773 |
| Noncurrent assets plus other real estate owned to assets | 5.7422% | 1,057 |
| Noncurrent loans to loans | 3.5082% | 2,251 |
| Net loans and leases to total assets | 68.8532% | 3,019 |
| Net loans and leases to deposits | 79.8382% | 3,484 |
| Net loans and leases to core deposits | 91.4018% | 2,889 |
| Total domestic deposits to total assets | 86.2409% | 2,954 |
| Equity capital to assets | 9.3708% | 5,026 |
| Core capital (leverage) ratio | 9.3772% | 4,092 |
| Tier 1 risk-based capital ratio | 12.5991% | 4,890 |
| Total risk-based capital ratio | 13.8495% | 4,873 |
| Memoranda: | ||
| Average total assets | $182,711,750 | 3,386 |
| Average earning assets | $154,756,500 | 3,607 |
| Average equity | $14,840,500 | 4,022 |
| Average total loans | $113,579,000 | 3,510 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7410% | 226 |
| Cost of funding earning assets | 2.0413% | 795 |
| Net interest margin | 4.6997% | 814 |
| Noninterest income to average assets | 2.6515% | 252 |
| Noninterest expense to average assets | 5.7222% | 242 |
| Loan and lease loss provision to assets | 0.6098% | 2,357 |
| Net operating income to assets | 0.2340% | 5,440 |
| Return on assets (ROA) | 0.2340% | 5,579 |
| Pretax return on assets | 0.3119% | 5,466 |
| Return on Equity (ROE) | 3.0291% | 5,214 |
| Retained earnings to average equity (ytd only) | 3.0291% | 4,185 |
| Net charge-offs to loans | 0.5114% | 2,996 |
| Credit loss provision to net charge-offs | 199.6454% | 1,978 |
| Earnings coverage of net charge-offs (x) | 3.0177% | 3,490 |
| Efficiency ratio | 86.1265% | 1,696 |
| Assets per employee ($millions) | 2.1007% | 7,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4411% | 4,226 |
| Loan loss allowance to noncurrent loans | 29.5539% | 6,396 |
| Noncurrent assets plus other real estate owned to assets | 6.0083% | 979 |
| Noncurrent loans to loans | 4.8763% | 1,439 |
| Net loans and leases to total assets | 61.6242% | 4,758 |
| Net loans and leases to deposits | 67.4242% | 5,622 |
| Net loans and leases to core deposits | 79.0783% | 4,792 |
| Total domestic deposits to total assets | 91.3978% | 359 |
| Equity capital to assets | 8.1511% | 6,597 |
| Core capital (leverage) ratio | 7.7445% | 6,562 |
| Tier 1 risk-based capital ratio | 11.4253% | 5,846 |
| Total risk-based capital ratio | 12.6753% | 5,814 |
| Memoranda: | ||
| Average total assets | $184,648,670 | 3,373 |
| Average earning assets | $156,860,670 | 3,580 |
| Average equity | $14,261,670 | 4,146 |
| Average total loans | $110,287,330 | 3,626 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3823% | 453 |
| Cost of funding earning assets | 2.1424% | 704 |
| Net interest margin | 4.2399% | 1,894 |
| Noninterest income to average assets | 1.9879% | 343 |
| Noninterest expense to average assets | 4.7874% | 441 |
| Loan and lease loss provision to assets | 0.2119% | 4,392 |
| Net operating income to assets | 0.4387% | 4,670 |
| Return on assets (ROA) | 0.4387% | 4,801 |
| Pretax return on assets | 0.5913% | 4,642 |
| Return on Equity (ROE) | 5.8306% | 3,950 |
| Retained earnings to average equity (ytd only) | 5.8306% | 2,696 |
| Net charge-offs to loans | 0.0363% | 5,074 |
| Credit loss provision to net charge-offs | 1,000.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 37.9000% | 726 |
| Efficiency ratio | 85.6331% | 1,831 |
| Assets per employee ($millions) | 2.2050% | 7,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 5,017 |
| Loan loss allowance to noncurrent loans | 22.4196% | 6,884 |
| Noncurrent assets plus other real estate owned to assets | 6.2424% | 937 |
| Noncurrent loans to loans | 5.7321% | 1,182 |
| Net loans and leases to total assets | 58.1030% | 5,419 |
| Net loans and leases to deposits | 63.7143% | 6,079 |
| Net loans and leases to core deposits | 68.9325% | 6,011 |
| Total domestic deposits to total assets | 91.1930% | 467 |
| Equity capital to assets | 7.7169% | 6,916 |
| Core capital (leverage) ratio | 7.5450% | 6,806 |
| Tier 1 risk-based capital ratio | 11.1887% | 5,974 |
| Total risk-based capital ratio | 12.2952% | 6,088 |
| Memoranda: | ||
| Average total assets | $188,745,500 | 3,381 |
| Average earning assets | $160,380,500 | 3,561 |
| Average equity | $14,201,000 | 4,198 |
| Average total loans | $110,266,500 | 3,674 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7563% | 96 |
| Cost of funding earning assets | 2.5392% | 923 |
| Net interest margin | 5.2171% | 282 |
| Noninterest income to average assets | 2.7139% | 253 |
| Noninterest expense to average assets | 6.2385% | 285 |
| Loan and lease loss provision to assets | 0.9434% | 2,387 |
| Net operating income to assets | 0.0567% | 5,317 |
| Return on assets (ROA) | 0.0567% | 5,369 |
| Pretax return on assets | 0.0545% | 5,315 |
| Return on Equity (ROE) | 0.6969% | 5,332 |
| Retained earnings to average equity (ytd only) | -2.0908% | 5,537 |
| Net charge-offs to loans | 1.2847% | 1,935 |
| Credit loss provision to net charge-offs | 115.4060% | 4,724 |
| Earnings coverage of net charge-offs (x) | 1.2207% | 4,904 |
| Efficiency ratio | 86.2104% | 2,089 |
| Assets per employee ($millions) | 2.4339% | 7,310 |
| Cash dividends to net income (ytd only)* | 400.0000% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 5,503 |
| Loan loss allowance to noncurrent loans | 27.8961% | 6,612 |
| Noncurrent assets plus other real estate owned to assets | 5.1915% | 1,156 |
| Noncurrent loans to loans | 4.2111% | 1,732 |
| Net loans and leases to total assets | 57.3169% | 5,773 |
| Net loans and leases to deposits | 62.0889% | 6,463 |
| Net loans and leases to core deposits | 73.9747% | 6,532 |
| Total domestic deposits to total assets | 92.3141% | 217 |
| Equity capital to assets | 7.3379% | 7,168 |
| Core capital (leverage) ratio | 7.1252% | 7,135 |
| Tier 1 risk-based capital ratio | 10.9281% | 5,985 |
| Total risk-based capital ratio | 11.9536% | 6,182 |
| Memoranda: | ||
| Average total assets | $176,276,200 | 3,498 |
| Average earning assets | $152,805,600 | 3,655 |
| Average equity | $14,348,600 | 4,178 |
| Average total loans | $112,169,400 | 3,647 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8666% | 95 |
| Cost of funding earning assets | 2.5483% | 1,160 |
| Net interest margin | 5.3183% | 241 |
| Noninterest income to average assets | 2.7722% | 236 |
| Noninterest expense to average assets | 6.4383% | 254 |
| Loan and lease loss provision to assets | 0.4489% | 3,669 |
| Net operating income to assets | 0.3537% | 4,579 |
| Return on assets (ROA) | 0.3537% | 4,676 |
| Pretax return on assets | 0.5270% | 4,436 |
| Return on Equity (ROE) | 4.2289% | 4,285 |
| Retained earnings to average equity (ytd only) | 0.5275% | 4,992 |
| Net charge-offs to loans | 0.6338% | 2,782 |
| Credit loss provision to net charge-offs | 108.6142% | 4,680 |
| Earnings coverage of net charge-offs (x) | 2.3614% | 4,051 |
| Efficiency ratio | 86.8372% | 1,979 |
| Assets per employee ($millions) | 2.4984% | 7,229 |
| Cash dividends to net income (ytd only)* | 87.5271% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 6,238 |
| Loan loss allowance to noncurrent loans | 20.5765% | 7,063 |
| Noncurrent assets plus other real estate owned to assets | 5.3402% | 1,088 |
| Noncurrent loans to loans | 4.9024% | 1,373 |
| Net loans and leases to total assets | 57.1544% | 6,016 |
| Net loans and leases to deposits | 62.6625% | 6,614 |
| Net loans and leases to core deposits | 79.3172% | 6,399 |
| Total domestic deposits to total assets | 91.2099% | 339 |
| Equity capital to assets | 7.4236% | 7,359 |
| Core capital (leverage) ratio | 7.5913% | 6,873 |
| Tier 1 risk-based capital ratio | 11.2115% | 5,733 |
| Total risk-based capital ratio | 12.1003% | 6,061 |
| Memoranda: | ||
| Average total assets | $172,276,500 | 3,586 |
| Average earning assets | $150,371,250 | 3,721 |
| Average equity | $14,408,500 | 4,207 |
| Average total loans | $112,332,750 | 3,672 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1600% | 82 |
| Cost of funding earning assets | 2.5657% | 1,385 |
| Net interest margin | 5.5943% | 164 |
| Noninterest income to average assets | 2.9525% | 221 |
| Noninterest expense to average assets | 6.7730% | 240 |
| Loan and lease loss provision to assets | 0.1554% | 5,520 |
| Net operating income to assets | 0.6228% | 3,572 |
| Return on assets (ROA) | 0.6228% | 3,684 |
| Pretax return on assets | 0.8947% | 3,358 |
| Return on Equity (ROE) | 7.1304% | 3,151 |
| Retained earnings to average equity (ytd only) | 1.5706% | 4,457 |
| Net charge-offs to loans | 0.0873% | 5,328 |
| Credit loss provision to net charge-offs | 261.2245% | 1,783 |
| Earnings coverage of net charge-offs (x) | 17.6531% | 1,464 |
| Efficiency ratio | 86.5767% | 2,171 |
| Assets per employee ($millions) | 2.5433% | 7,167 |
| Cash dividends to net income (ytd only)* | 77.9727% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 6,318 |
| Loan loss allowance to noncurrent loans | 21.8458% | 7,024 |
| Noncurrent assets plus other real estate owned to assets | 6.1428% | 781 |
| Noncurrent loans to loans | 4.5334% | 1,416 |
| Net loans and leases to total assets | 65.5335% | 4,660 |
| Net loans and leases to deposits | 71.7722% | 5,767 |
| Net loans and leases to core deposits | 96.0785% | 4,897 |
| Total domestic deposits to total assets | 91.3077% | 372 |
| Equity capital to assets | 8.1407% | 6,576 |
| Core capital (leverage) ratio | 8.3838% | 5,653 |
| Tier 1 risk-based capital ratio | 11.3681% | 5,538 |
| Total risk-based capital ratio | 12.2915% | 5,755 |
| Memoranda: | ||
| Average total assets | $164,742,330 | 3,723 |
| Average earning assets | $143,432,000 | 3,872 |
| Average equity | $14,389,000 | 4,220 |
| Average total loans | $112,271,330 | 3,713 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1521% | 76 |
| Cost of funding earning assets | 2.5885% | 1,598 |
| Net interest margin | 5.5636% | 162 |
| Noninterest income to average assets | 2.6161% | 233 |
| Noninterest expense to average assets | 6.4745% | 239 |
| Loan and lease loss provision to assets | 0.0658% | 6,125 |
| Net operating income to assets | 0.6376% | 3,850 |
| Return on assets (ROA) | 0.6376% | 4,033 |
| Pretax return on assets | 0.8830% | 3,779 |
| Return on Equity (ROE) | 7.0308% | 3,580 |
| Retained earnings to average equity (ytd only) | -4.1292% | 6,440 |
| Net charge-offs to loans | -0.0110% | 7,293 |
| Credit loss provision to net charge-offs | -866.6667% | 6,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2188% | 1,958 |
| Assets per employee ($millions) | 2.3961% | 7,470 |
| Cash dividends to net income (ytd only)* | 158.7302% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 6,269 |
| Loan loss allowance to noncurrent loans | 21.1794% | 7,100 |
| Noncurrent assets plus other real estate owned to assets | 5.9853% | 664 |
| Noncurrent loans to loans | 4.6663% | 1,204 |
| Net loans and leases to total assets | 66.7185% | 4,407 |
| Net loans and leases to deposits | 73.3457% | 5,563 |
| Net loans and leases to core deposits | 108.8983% | 3,573 |
| Total domestic deposits to total assets | 90.9645% | 427 |
| Equity capital to assets | 8.4995% | 6,071 |
| Core capital (leverage) ratio | 8.8492% | 4,913 |
| Tier 1 risk-based capital ratio | 11.5560% | 5,351 |
| Total risk-based capital ratio | 12.4709% | 5,592 |
| Memoranda: | ||
| Average total assets | $158,098,000 | 3,864 |
| Average earning assets | $136,603,000 | 4,021 |
| Average equity | $14,337,000 | 4,260 |
| Average total loans | $109,488,500 | 3,796 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1335% | 159 |
| Cost of funding earning assets | 2.9277% | 2,150 |
| Net interest margin | 5.2059% | 341 |
| Noninterest income to average assets | 2.3363% | 276 |
| Noninterest expense to average assets | 5.8687% | 422 |
| Loan and lease loss provision to assets | 0.1450% | 5,502 |
| Net operating income to assets | 0.5866% | 4,364 |
| Return on assets (ROA) | 0.5866% | 4,231 |
| Pretax return on assets | 0.8246% | 3,978 |
| Return on Equity (ROE) | 6.1918% | 3,865 |
| Retained earnings to average equity (ytd only) | 3.3450% | 3,064 |
| Net charge-offs to loans | 0.0048% | 6,916 |
| Credit loss provision to net charge-offs | 4,300.0000% | 115 |
| Earnings coverage of net charge-offs (x) | 287.6000% | 165 |
| Efficiency ratio | 85.8213% | 1,870 |
| Assets per employee ($millions) | 2.1210% | 7,800 |
| Cash dividends to net income (ytd only)* | 45.9770% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 5,802 |
| Loan loss allowance to noncurrent loans | 22.7949% | 7,111 |
| Noncurrent assets plus other real estate owned to assets | 6.4209% | 440 |
| Noncurrent loans to loans | 4.5047% | 1,062 |
| Net loans and leases to total assets | 70.6323% | 3,875 |
| Net loans and leases to deposits | 80.5541% | 4,952 |
| Net loans and leases to core deposits | 116.5435% | 3,063 |
| Total domestic deposits to total assets | 87.6830% | 1,614 |
| Equity capital to assets | 9.7111% | 4,411 |
| Core capital (leverage) ratio | 9.4188% | 4,133 |
| Tier 1 risk-based capital ratio | 12.3777% | 4,519 |
| Total risk-based capital ratio | 13.3221% | 4,643 |
| Memoranda: | ||
| Average total assets | $148,313,200 | 3,932 |
| Average earning assets | $128,259,400 | 4,074 |
| Average equity | $14,050,800 | 4,329 |
| Average total loans | $104,805,800 | 3,832 |