Home > The First National Bank and Trust Company of Broken Arrow > Performance and Condition Ratios
The First National Bank and Trust Company of Broken Arrow, 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 | 5.1006% | 1,853 |
| Cost of funding earning assets | 0.2749% | 4,396 |
| Net interest margin | 4.8257% | 404 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.5106% | 2,265 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.8103% | 602 |
| Return on assets (ROA) | 1.8103% | 582 |
| Pretax return on assets | 2.3463% | 404 |
| Return on Equity (ROE) | 16.3800% | 1,044 |
| Retained earnings to average equity (ytd only) | 14.7953% | 337 |
| Net charge-offs to loans | -0.0048% | 3,824 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 51.6912% | 3,861 |
| Assets per employee ($millions) | 6.7843% | 2,222 |
| Cash dividends to net income (ytd only)* | 9.6990% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5037% | 1,039 |
| Loan loss allowance to noncurrent loans | 81.9153% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 1.1565% | 388 |
| Noncurrent loans to loans | 1.8357% | 323 |
| Net loans and leases to total assets | 62.0500% | 2,670 |
| Net loans and leases to deposits | 70.7760% | 2,833 |
| Net loans and leases to core deposits | 72.3326% | 3,168 |
| Total domestic deposits to total assets | 87.6700% | 1,462 |
| Equity capital to assets | 11.8685% | 1,179 |
| Core capital (leverage) ratio | 12.4239% | 1,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5818% | 642 |
| Memoranda: | ||
| Average total assets | $247,748,200 | 2,699 |
| Average earning assets | $230,228,000 | 2,687 |
| Average equity | $27,373,600 | 2,396 |
| Average total loans | $144,648,200 | 2,719 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9052% | 2,048 |
| Cost of funding earning assets | 0.2492% | 4,402 |
| Net interest margin | 4.6560% | 488 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.5388% | 2,113 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6803% | 820 |
| Return on assets (ROA) | 1.6803% | 813 |
| Pretax return on assets | 2.1609% | 588 |
| Return on Equity (ROE) | 15.5000% | 1,346 |
| Retained earnings to average equity (ytd only) | 15.5001% | 508 |
| Net charge-offs to loans | -0.0085% | 3,890 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.0211% | 3,586 |
| Assets per employee ($millions) | 6.5873% | 2,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6218% | 852 |
| Loan loss allowance to noncurrent loans | 86.7050% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 1.1118% | 426 |
| Noncurrent loans to loans | 1.8705% | 342 |
| Net loans and leases to total assets | 58.4700% | 2,988 |
| Net loans and leases to deposits | 66.4127% | 3,097 |
| Net loans and leases to core deposits | 67.8690% | 3,336 |
| Total domestic deposits to total assets | 88.0400% | 1,559 |
| Equity capital to assets | 11.3475% | 1,226 |
| Core capital (leverage) ratio | 12.2734% | 1,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2998% | 604 |
| Memoranda: | ||
| Average total assets | $246,930,750 | 2,708 |
| Average earning assets | $229,517,250 | 2,693 |
| Average equity | $26,769,000 | 2,411 |
| Average total loans | $141,275,500 | 2,761 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6967% | 2,217 |
| Cost of funding earning assets | 0.2173% | 4,412 |
| Net interest margin | 4.4793% | 628 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.5159% | 2,159 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5614% | 1,002 |
| Return on assets (ROA) | 1.5614% | 999 |
| Pretax return on assets | 2.0081% | 733 |
| Return on Equity (ROE) | 14.6400% | 1,545 |
| Retained earnings to average equity (ytd only) | 14.6356% | 607 |
| Net charge-offs to loans | -0.0072% | 3,817 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.6115% | 3,468 |
| Assets per employee ($millions) | 6.3688% | 2,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6759% | 787 |
| Loan loss allowance to noncurrent loans | 86.7479% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 1.1241% | 381 |
| Noncurrent loans to loans | 1.9320% | 297 |
| Net loans and leases to total assets | 57.2100% | 3,029 |
| Net loans and leases to deposits | 64.6356% | 3,152 |
| Net loans and leases to core deposits | 66.0492% | 3,348 |
| Total domestic deposits to total assets | 88.5100% | 1,422 |
| Equity capital to assets | 10.9573% | 1,404 |
| Core capital (leverage) ratio | 12.0795% | 1,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1105% | 627 |
| Memoranda: | ||
| Average total assets | $245,801,333 | 2,718 |
| Average earning assets | $228,203,667 | 2,708 |
| Average equity | $26,223,667 | 2,449 |
| Average total loans | $138,773,333 | 2,786 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5811% | 2,129 |
| Cost of funding earning assets | 0.1711% | 4,420 |
| Net interest margin | 4.4100% | 671 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.4915% | 2,271 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4920% | 1,203 |
| Return on assets (ROA) | 1.4920% | 1,183 |
| Pretax return on assets | 1.9435% | 856 |
| Return on Equity (ROE) | 14.1800% | 1,744 |
| Retained earnings to average equity (ytd only) | 14.1794% | 917 |
| Net charge-offs to loans | -0.0118% | 3,910 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.1785% | 3,392 |
| Assets per employee ($millions) | 6.9043% | 2,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7786% | 686 |
| Loan loss allowance to noncurrent loans | 11,857.1429% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 3,789 |
| Noncurrent loans to loans | 0.0150% | 3,698 |
| Net loans and leases to total assets | 56.9000% | 2,966 |
| Net loans and leases to deposits | 64.2471% | 3,065 |
| Net loans and leases to core deposits | 65.7625% | 3,245 |
| Total domestic deposits to total assets | 88.5700% | 1,712 |
| Equity capital to assets | 10.9013% | 1,376 |
| Core capital (leverage) ratio | 11.7024% | 1,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9878% | 660 |
| Memoranda: | ||
| Average total assets | $244,510,500 | 2,756 |
| Average earning assets | $226,758,500 | 2,761 |
| Average equity | $25,727,500 | 2,501 |
| Average total loans | $135,901,500 | 2,841 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5075% | 3,053 |
| Cost of funding earning assets | 0.0591% | 4,551 |
| Net interest margin | 3.4485% | 2,102 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.3164% | 2,672 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0483% | 2,381 |
| Return on assets (ROA) | 1.0483% | 2,327 |
| Pretax return on assets | 1.3583% | 1,910 |
| Return on Equity (ROE) | 10.8700% | 2,523 |
| Retained earnings to average equity (ytd only) | 9.2889% | 1,394 |
| Net charge-offs to loans | -0.0325% | 4,218 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.0374% | 2,624 |
| Assets per employee ($millions) | 6.6857% | 2,191 |
| Cash dividends to net income (ytd only)* | 14.5778% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9734% | 452 |
| Loan loss allowance to noncurrent loans | 565.4348% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.1860% | 2,253 |
| Noncurrent loans to loans | 0.3490% | 1,895 |
| Net loans and leases to total assets | 52.2300% | 3,339 |
| Net loans and leases to deposits | 58.3135% | 3,433 |
| Net loans and leases to core deposits | 59.6441% | 3,530 |
| Total domestic deposits to total assets | 89.5700% | 1,529 |
| Equity capital to assets | 10.1515% | 1,635 |
| Core capital (leverage) ratio | 10.9150% | 1,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3419% | 599 |
| Memoranda: | ||
| Average total assets | $251,938,200 | 2,715 |
| Average earning assets | $233,583,200 | 2,712 |
| Average equity | $24,287,000 | 2,618 |
| Average total loans | $129,045,400 | 2,840 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2306% | 3,361 |
| Cost of funding earning assets | 0.0449% | 4,597 |
| Net interest margin | 3.1857% | 2,671 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.3138% | 2,593 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8034% | 3,250 |
| Return on assets (ROA) | 0.8034% | 3,209 |
| Pretax return on assets | 1.0242% | 2,952 |
| Return on Equity (ROE) | 8.4400% | 3,190 |
| Retained earnings to average equity (ytd only) | 6.7272% | 2,471 |
| Net charge-offs to loans | -0.0332% | 4,163 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.3182% | 1,846 |
| Assets per employee ($millions) | 6.7863% | 2,106 |
| Cash dividends to net income (ytd only)* | 20.3279% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0063% | 500 |
| Loan loss allowance to noncurrent loans | 641.3366% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.4727% | 1,144 |
| Noncurrent loans to loans | 0.3128% | 2,127 |
| Net loans and leases to total assets | 50.4000% | 3,428 |
| Net loans and leases to deposits | 55.9350% | 3,484 |
| Net loans and leases to core deposits | 57.1885% | 3,552 |
| Total domestic deposits to total assets | 90.1000% | 1,612 |
| Equity capital to assets | 9.5359% | 1,856 |
| Core capital (leverage) ratio | 10.2510% | 2,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0627% | 637 |
| Memoranda: | ||
| Average total assets | $253,079,750 | 2,733 |
| Average earning assets | $234,498,750 | 2,727 |
| Average equity | $24,080,750 | 2,681 |
| Average total loans | $128,355,500 | 2,844 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0255% | 3,491 |
| Cost of funding earning assets | 0.0417% | 4,641 |
| Net interest margin | 2.9838% | 2,929 |
| Noninterest income to average assets | 0.3917% | 2,807 |
| Noninterest expense to average assets | 2.2929% | 2,570 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6849% | 3,361 |
| Return on assets (ROA) | 0.6849% | 3,314 |
| Pretax return on assets | 0.8591% | 3,174 |
| Return on Equity (ROE) | 7.2037% | 3,250 |
| Retained earnings to average equity (ytd only) | 7.2037% | 1,917 |
| Net charge-offs to loans | -0.0437% | 4,187 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7432% | 1,662 |
| Assets per employee ($millions) | 6.6521% | 2,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0660% | 483 |
| Loan loss allowance to noncurrent loans | 3,643.6620% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.3292% | 1,683 |
| Noncurrent loans to loans | 0.0567% | 3,530 |
| Net loans and leases to total assets | 47.2677% | 3,611 |
| Net loans and leases to deposits | 52.2353% | 3,664 |
| Net loans and leases to core deposits | 53.3608% | 3,731 |
| Total domestic deposits to total assets | 90.4900% | 1,471 |
| Equity capital to assets | 9.2008% | 2,231 |
| Core capital (leverage) ratio | 9.9751% | 2,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6568% | 568 |
| Memoranda: | ||
| Average total assets | $253,742,333 | 2,747 |
| Average earning assets | $234,738,000 | 2,756 |
| Average equity | $24,126,333 | 2,736 |
| Average total loans | $128,094,000 | 2,867 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8609% | 3,625 |
| Cost of funding earning assets | 0.0413% | 4,654 |
| Net interest margin | 2.8195% | 3,080 |
| Noninterest income to average assets | 0.3699% | 2,871 |
| Noninterest expense to average assets | 2.2942% | 2,522 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5213% | 3,650 |
| Return on assets (ROA) | 0.5213% | 3,616 |
| Pretax return on assets | 0.6855% | 3,431 |
| Return on Equity (ROE) | 5.3928% | 3,515 |
| Retained earnings to average equity (ytd only) | 5.3928% | 2,445 |
| Net charge-offs to loans | -0.0648% | 4,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9930% | 1,410 |
| Assets per employee ($millions) | 6.4629% | 2,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9809% | 637 |
| Loan loss allowance to noncurrent loans | 3,394.7368% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.3408% | 1,744 |
| Noncurrent loans to loans | 0.0584% | 3,568 |
| Net loans and leases to total assets | 50.6511% | 3,111 |
| Net loans and leases to deposits | 56.1571% | 3,257 |
| Net loans and leases to core deposits | 57.4071% | 3,354 |
| Total domestic deposits to total assets | 90.1953% | 1,447 |
| Equity capital to assets | 9.5330% | 2,253 |
| Core capital (leverage) ratio | 10.4470% | 1,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5886% | 686 |
| Memoranda: | ||
| Average total assets | $250,897,000 | 2,783 |
| Average earning assets | $232,238,000 | 2,786 |
| Average equity | $24,254,500 | 2,822 |
| Average total loans | $129,533,500 | 2,853 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2242% | 3,423 |
| Cost of funding earning assets | 0.0555% | 4,661 |
| Net interest margin | 3.1687% | 2,687 |
| Noninterest income to average assets | 0.6274% | 2,035 |
| Noninterest expense to average assets | 2.3484% | 2,664 |
| Loan and lease loss provision to assets | 0.0100% | 2,880 |
| Net operating income to assets | 0.9501% | 2,866 |
| Return on assets (ROA) | 0.9505% | 2,940 |
| Pretax return on assets | 1.1814% | 2,727 |
| Return on Equity (ROE) | 9.7524% | 2,617 |
| Retained earnings to average equity (ytd only) | 8.4333% | 1,378 |
| Net charge-offs to loans | -0.0280% | 4,096 |
| Credit loss provision to net charge-offs | -64.8649% | 3,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3503% | 2,213 |
| Assets per employee ($millions) | 6.7498% | 2,106 |
| Cash dividends to net income (ytd only)* | 13.5253% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9865% | 616 |
| Loan loss allowance to noncurrent loans | 3,046.4286% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.3472% | 1,835 |
| Noncurrent loans to loans | 0.0652% | 3,618 |
| Net loans and leases to total assets | 50.5566% | 3,218 |
| Net loans and leases to deposits | 56.1647% | 3,402 |
| Net loans and leases to core deposits | 57.4776% | 3,517 |
| Total domestic deposits to total assets | 90.0149% | 948 |
| Equity capital to assets | 9.8025% | 2,848 |
| Core capital (leverage) ratio | 10.0255% | 2,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4564% | 704 |
| Memoranda: | ||
| Average total assets | $241,148,000 | 2,785 |
| Average earning assets | $221,605,200 | 2,800 |
| Average equity | $23,502,000 | 2,941 |
| Average total loans | $132,377,400 | 2,822 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2993% | 3,391 |
| Cost of funding earning assets | 0.0596% | 4,738 |
| Net interest margin | 3.2397% | 2,612 |
| Noninterest income to average assets | 0.4005% | 3,080 |
| Noninterest expense to average assets | 2.4691% | 2,213 |
| Loan and lease loss provision to assets | 0.0134% | 2,723 |
| Net operating income to assets | 0.6751% | 3,828 |
| Return on assets (ROA) | 0.6756% | 3,886 |
| Pretax return on assets | 0.8892% | 3,718 |
| Return on Equity (ROE) | 6.9425% | 3,681 |
| Retained earnings to average equity (ytd only) | 6.9425% | 2,441 |
| Net charge-offs to loans | -0.0330% | 4,173 |
| Credit loss provision to net charge-offs | -72.7273% | 3,192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2418% | 1,280 |
| Assets per employee ($millions) | 6.2081% | 2,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9852% | 654 |
| Loan loss allowance to noncurrent loans | 1,738.0952% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 1,905 |
| Noncurrent loans to loans | 0.1142% | 3,519 |
| Net loans and leases to total assets | 52.1021% | 3,183 |
| Net loans and leases to deposits | 58.0205% | 3,408 |
| Net loans and leases to core deposits | 59.3259% | 3,530 |
| Total domestic deposits to total assets | 89.7995% | 865 |
| Equity capital to assets | 9.8511% | 3,053 |
| Core capital (leverage) ratio | 9.7105% | 2,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8357% | 846 |
| Memoranda: | ||
| Average total assets | $238,999,500 | 2,826 |
| Average earning assets | $219,150,500 | 2,841 |
| Average equity | $23,257,250 | 2,997 |
| Average total loans | $133,266,750 | 2,844 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4685% | 2,981 |
| Cost of funding earning assets | 0.0652% | 4,765 |
| Net interest margin | 3.4033% | 2,131 |
| Noninterest income to average assets | 0.3900% | 3,158 |
| Noninterest expense to average assets | 2.4685% | 2,244 |
| Loan and lease loss provision to assets | 0.0202% | 2,560 |
| Net operating income to assets | 0.7642% | 3,608 |
| Return on assets (ROA) | 0.7648% | 3,673 |
| Pretax return on assets | 1.0187% | 3,399 |
| Return on Equity (ROE) | 7.8927% | 3,433 |
| Retained earnings to average equity (ytd only) | 7.8927% | 2,112 |
| Net charge-offs to loans | -0.0430% | 4,302 |
| Credit loss provision to net charge-offs | -82.7586% | 3,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3979% | 1,586 |
| Assets per employee ($millions) | 6.5909% | 2,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0125% | 598 |
| Loan loss allowance to noncurrent loans | 1,518.4524% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.3900% | 2,046 |
| Noncurrent loans to loans | 0.1325% | 3,526 |
| Net loans and leases to total assets | 50.9321% | 3,459 |
| Net loans and leases to deposits | 56.5175% | 3,679 |
| Net loans and leases to core deposits | 57.7749% | 3,773 |
| Total domestic deposits to total assets | 90.1174% | 714 |
| Equity capital to assets | 9.6345% | 3,213 |
| Core capital (leverage) ratio | 9.6777% | 2,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2078% | 787 |
| Memoranda: | ||
| Average total assets | $237,961,000 | 2,822 |
| Average earning assets | $217,906,333 | 2,849 |
| Average equity | $23,059,333 | 3,006 |
| Average total loans | $134,788,333 | 2,833 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6203% | 2,579 |
| Cost of funding earning assets | 0.0764% | 4,765 |
| Net interest margin | 3.5439% | 1,716 |
| Noninterest income to average assets | 0.3830% | 3,179 |
| Noninterest expense to average assets | 2.4850% | 2,216 |
| Loan and lease loss provision to assets | 0.0408% | 2,238 |
| Net operating income to assets | 0.8242% | 3,342 |
| Return on assets (ROA) | 0.8255% | 3,415 |
| Pretax return on assets | 1.0944% | 3,127 |
| Return on Equity (ROE) | 8.4933% | 3,187 |
| Retained earnings to average equity (ytd only) | 8.4933% | 2,099 |
| Net charge-offs to loans | -0.0173% | 3,922 |
| Credit loss provision to net charge-offs | -400.0000% | 3,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6736% | 1,854 |
| Assets per employee ($millions) | 6.1503% | 2,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8022% | 870 |
| Loan loss allowance to noncurrent loans | 1,469.7674% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.3882% | 2,246 |
| Noncurrent loans to loans | 0.1226% | 3,699 |
| Net loans and leases to total assets | 55.9906% | 3,040 |
| Net loans and leases to deposits | 61.9610% | 3,318 |
| Net loans and leases to core deposits | 63.3972% | 3,464 |
| Total domestic deposits to total assets | 90.3643% | 638 |
| Equity capital to assets | 9.3557% | 3,325 |
| Core capital (leverage) ratio | 9.8606% | 2,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1881% | 895 |
| Memoranda: | ||
| Average total assets | $235,010,500 | 2,824 |
| Average earning assets | $214,568,500 | 2,860 |
| Average equity | $22,841,500 | 3,009 |
| Average total loans | $138,805,000 | 2,799 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2235% | 2,072 |
| Cost of funding earning assets | 0.1829% | 4,637 |
| Net interest margin | 4.0406% | 893 |
| Noninterest income to average assets | 0.4809% | 2,718 |
| Noninterest expense to average assets | 2.8677% | 1,764 |
| Loan and lease loss provision to assets | 0.2586% | 1,503 |
| Net operating income to assets | 0.8060% | 3,070 |
| Return on assets (ROA) | 0.8060% | 3,186 |
| Pretax return on assets | 1.0077% | 3,020 |
| Return on Equity (ROE) | 7.6359% | 2,951 |
| Retained earnings to average equity (ytd only) | 6.2772% | 1,673 |
| Net charge-offs to loans | 0.0049% | 3,170 |
| Credit loss provision to net charge-offs | 7,728.5714% | 138 |
| Earnings coverage of net charge-offs (x) | 378.4286% | 290 |
| Efficiency ratio | 69.3686% | 2,040 |
| Assets per employee ($millions) | 5.6003% | 2,741 |
| Cash dividends to net income (ytd only)* | 17.7936% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8189% | 826 |
| Loan loss allowance to noncurrent loans | 1,224.5098% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.4406% | 2,261 |
| Noncurrent loans to loans | 0.1485% | 3,691 |
| Net loans and leases to total assets | 60.1942% | 2,836 |
| Net loans and leases to deposits | 67.1201% | 3,171 |
| Net loans and leases to core deposits | 69.3099% | 3,308 |
| Total domestic deposits to total assets | 89.6813% | 684 |
| Equity capital to assets | 10.1187% | 3,011 |
| Core capital (leverage) ratio | 9.9775% | 2,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6633% | 955 |
| Memoranda: | ||
| Average total assets | $209,191,200 | 2,867 |
| Average earning assets | $189,132,400 | 2,916 |
| Average equity | $22,079,800 | 2,999 |
| Average total loans | $141,501,600 | 2,740 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4578% | 1,682 |
| Cost of funding earning assets | 0.2054% | 4,653 |
| Net interest margin | 4.2524% | 649 |
| Noninterest income to average assets | 0.4789% | 2,701 |
| Noninterest expense to average assets | 2.9412% | 1,583 |
| Loan and lease loss provision to assets | 0.3353% | 1,153 |
| Net operating income to assets | 0.8695% | 2,826 |
| Return on assets (ROA) | 0.8695% | 2,959 |
| Pretax return on assets | 1.0440% | 2,925 |
| Return on Equity (ROE) | 8.1458% | 2,751 |
| Retained earnings to average equity (ytd only) | 8.1458% | 1,255 |
| Net charge-offs to loans | 0.0019% | 3,140 |
| Credit loss provision to net charge-offs | 25,850.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 1,063.0000% | 114 |
| Efficiency ratio | 68.0733% | 2,183 |
| Assets per employee ($millions) | 5.3252% | 2,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8034% | 718 |
| Loan loss allowance to noncurrent loans | 1,609.7403% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 4,095 |
| Noncurrent loans to loans | 0.1120% | 3,921 |
| Net loans and leases to total assets | 60.3542% | 3,186 |
| Net loans and leases to deposits | 67.3625% | 3,527 |
| Net loans and leases to core deposits | 69.4513% | 3,666 |
| Total domestic deposits to total assets | 89.5962% | 556 |
| Equity capital to assets | 10.1168% | 3,128 |
| Core capital (leverage) ratio | 10.0714% | 2,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1211% | 898 |
| Memoranda: | ||
| Average total assets | $205,486,500 | 2,879 |
| Average earning assets | $185,647,500 | 2,931 |
| Average equity | $21,933,000 | 3,004 |
| Average total loans | $142,542,250 | 2,730 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9001% | 974 |
| Cost of funding earning assets | 0.2375% | 4,657 |
| Net interest margin | 4.6627% | 366 |
| Noninterest income to average assets | 0.4633% | 2,748 |
| Noninterest expense to average assets | 3.0327% | 1,499 |
| Loan and lease loss provision to assets | 0.4944% | 734 |
| Net operating income to assets | 0.9387% | 2,546 |
| Return on assets (ROA) | 0.9387% | 2,675 |
| Pretax return on assets | 1.1503% | 2,548 |
| Return on Equity (ROE) | 8.6261% | 2,522 |
| Retained earnings to average equity (ytd only) | 8.6261% | 1,125 |
| Net charge-offs to loans | 0.0374% | 1,991 |
| Credit loss provision to net charge-offs | 1,825.9259% | 523 |
| Earnings coverage of net charge-offs (x) | 60.7407% | 957 |
| Efficiency ratio | 64.8370% | 2,685 |
| Assets per employee ($millions) | 5.0776% | 3,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7037% | 807 |
| Loan loss allowance to noncurrent loans | 4,050.0000% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 4,417 |
| Noncurrent loans to loans | 0.0421% | 4,312 |
| Net loans and leases to total assets | 62.7546% | 3,040 |
| Net loans and leases to deposits | 70.0201% | 3,420 |
| Net loans and leases to core deposits | 72.3754% | 3,567 |
| Total domestic deposits to total assets | 89.6237% | 517 |
| Equity capital to assets | 9.9515% | 3,254 |
| Core capital (leverage) ratio | 10.2155% | 2,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2719% | 1,007 |
| Memoranda: | ||
| Average total assets | $199,429,333 | 2,905 |
| Average earning assets | $180,239,667 | 2,956 |
| Average equity | $21,701,667 | 3,009 |
| Average total loans | $144,234,333 | 2,707 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2775% | 574 |
| Cost of funding earning assets | 0.2907% | 4,685 |
| Net interest margin | 4.9868% | 199 |
| Noninterest income to average assets | 0.5207% | 2,439 |
| Noninterest expense to average assets | 3.2459% | 1,327 |
| Loan and lease loss provision to assets | 0.3607% | 851 |
| Net operating income to assets | 1.0350% | 2,060 |
| Return on assets (ROA) | 1.0350% | 2,157 |
| Pretax return on assets | 1.3807% | 1,624 |
| Return on Equity (ROE) | 9.0502% | 2,093 |
| Retained earnings to average equity (ytd only) | 9.0502% | 963 |
| Net charge-offs to loans | -0.0276% | 4,439 |
| Credit loss provision to net charge-offs | -1,690.0000% | 3,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0834% | 3,077 |
| Assets per employee ($millions) | 4.2430% | 3,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5172% | 1,285 |
| Loan loss allowance to noncurrent loans | 2,100.9804% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 4,325 |
| Noncurrent loans to loans | 0.0722% | 4,236 |
| Net loans and leases to total assets | 72.8549% | 1,794 |
| Net loans and leases to deposits | 82.5127% | 2,386 |
| Net loans and leases to core deposits | 86.5500% | 2,639 |
| Total domestic deposits to total assets | 88.2954% | 977 |
| Equity capital to assets | 11.3412% | 2,556 |
| Core capital (leverage) ratio | 11.6315% | 1,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6710% | 1,429 |
| Memoranda: | ||
| Average total assets | $187,437,500 | 2,979 |
| Average earning assets | $167,882,000 | 3,035 |
| Average equity | $21,436,000 | 3,036 |
| Average total loans | $145,035,500 | 2,679 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1439% | 1,123 |
| Cost of funding earning assets | 0.2892% | 4,754 |
| Net interest margin | 4.8548% | 364 |
| Noninterest income to average assets | 0.5380% | 2,545 |
| Noninterest expense to average assets | 3.2581% | 1,388 |
| Loan and lease loss provision to assets | 0.1712% | 1,219 |
| Net operating income to assets | 1.1926% | 2,089 |
| Return on assets (ROA) | 1.1926% | 2,184 |
| Pretax return on assets | 1.5702% | 1,587 |
| Return on Equity (ROE) | 10.6110% | 2,044 |
| Retained earnings to average equity (ytd only) | 4.6760% | 2,600 |
| Net charge-offs to loans | 0.3530% | 565 |
| Credit loss provision to net charge-offs | 59.5865% | 3,040 |
| Earnings coverage of net charge-offs (x) | 6.0602% | 3,011 |
| Efficiency ratio | 65.1685% | 2,901 |
| Assets per employee ($millions) | 3.9987% | 3,899 |
| Cash dividends to net income (ytd only)* | 55.9330% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 1,839 |
| Loan loss allowance to noncurrent loans | 1,925.4902% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 4,349 |
| Noncurrent loans to loans | 0.0685% | 4,263 |
| Net loans and leases to total assets | 79.8404% | 813 |
| Net loans and leases to deposits | 90.5531% | 1,529 |
| Net loans and leases to core deposits | 93.9730% | 2,063 |
| Total domestic deposits to total assets | 88.1696% | 1,049 |
| Equity capital to assets | 11.5352% | 2,505 |
| Core capital (leverage) ratio | 11.5776% | 2,054 |
| Tier 1 risk-based capital ratio | 14.3289% | 3,102 |
| Total risk-based capital ratio | 15.5798% | 3,011 |
| Memoranda: | ||
| Average total assets | $185,138,200 | 2,962 |
| Average earning assets | $170,141,800 | 2,984 |
| Average equity | $20,808,600 | 3,053 |
| Average total loans | $150,690,600 | 2,613 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1327% | 1,200 |
| Cost of funding earning assets | 0.2853% | 4,833 |
| Net interest margin | 4.8475% | 379 |
| Noninterest income to average assets | 0.5357% | 2,535 |
| Noninterest expense to average assets | 3.2902% | 1,292 |
| Loan and lease loss provision to assets | 0.1129% | 1,733 |
| Net operating income to assets | 1.2151% | 2,145 |
| Return on assets (ROA) | 1.2151% | 2,218 |
| Pretax return on assets | 1.6041% | 1,625 |
| Return on Equity (ROE) | 10.8821% | 2,064 |
| Retained earnings to average equity (ytd only) | 4.9259% | 2,928 |
| Net charge-offs to loans | -0.0150% | 4,502 |
| Credit loss provision to net charge-offs | -923.5294% | 4,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7094% | 2,767 |
| Assets per employee ($millions) | 4.1216% | 3,728 |
| Cash dividends to net income (ytd only)* | 54.7335% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5546% | 1,104 |
| Loan loss allowance to noncurrent loans | 386.5353% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.3284% | 3,231 |
| Noncurrent loans to loans | 0.4022% | 3,103 |
| Net loans and leases to total assets | 80.3742% | 800 |
| Net loans and leases to deposits | 91.0690% | 1,557 |
| Net loans and leases to core deposits | 94.6092% | 2,122 |
| Total domestic deposits to total assets | 88.2563% | 936 |
| Equity capital to assets | 11.3210% | 2,821 |
| Core capital (leverage) ratio | 11.3734% | 2,322 |
| Tier 1 risk-based capital ratio | 14.1297% | 3,267 |
| Total risk-based capital ratio | 15.3840% | 3,167 |
| Memoranda: | ||
| Average total assets | $185,437,250 | 2,991 |
| Average earning assets | $171,054,500 | 2,995 |
| Average equity | $20,706,250 | 3,089 |
| Average total loans | $151,157,250 | 2,637 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1191% | 1,177 |
| Cost of funding earning assets | 0.2736% | 4,890 |
| Net interest margin | 4.8455% | 375 |
| Noninterest income to average assets | 0.5210% | 2,563 |
| Noninterest expense to average assets | 3.2951% | 1,293 |
| Loan and lease loss provision to assets | 0.1046% | 1,787 |
| Net operating income to assets | 1.1962% | 2,163 |
| Return on assets (ROA) | 1.1962% | 2,225 |
| Pretax return on assets | 1.5909% | 1,574 |
| Return on Equity (ROE) | 10.7621% | 2,069 |
| Retained earnings to average equity (ytd only) | 7.4141% | 1,637 |
| Net charge-offs to loans | -0.0172% | 4,503 |
| Credit loss provision to net charge-offs | -746.1538% | 4,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0255% | 2,803 |
| Assets per employee ($millions) | 4.2102% | 3,561 |
| Cash dividends to net income (ytd only)* | 31.1091% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4923% | 1,300 |
| Loan loss allowance to noncurrent loans | 354.8837% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.3482% | 3,141 |
| Noncurrent loans to loans | 0.4205% | 3,025 |
| Net loans and leases to total assets | 81.5641% | 666 |
| Net loans and leases to deposits | 92.3716% | 1,447 |
| Net loans and leases to core deposits | 95.8074% | 2,089 |
| Total domestic deposits to total assets | 88.2999% | 966 |
| Equity capital to assets | 11.3357% | 2,752 |
| Core capital (leverage) ratio | 11.3494% | 2,297 |
| Tier 1 risk-based capital ratio | 13.8634% | 3,392 |
| Total risk-based capital ratio | 15.1166% | 3,290 |
| Memoranda: | ||
| Average total assets | $185,426,330 | 2,997 |
| Average earning assets | $171,044,670 | 3,009 |
| Average equity | $20,609,330 | 3,092 |
| Average total loans | $151,068,330 | 2,647 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0829% | 1,133 |
| Cost of funding earning assets | 0.2735% | 4,921 |
| Net interest margin | 4.8093% | 404 |
| Noninterest income to average assets | 0.4830% | 2,663 |
| Noninterest expense to average assets | 3.2278% | 1,427 |
| Loan and lease loss provision to assets | 0.0819% | 2,061 |
| Net operating income to assets | 1.2312% | 1,944 |
| Return on assets (ROA) | 1.2312% | 1,992 |
| Pretax return on assets | 1.6085% | 1,449 |
| Return on Equity (ROE) | 11.1881% | 1,874 |
| Retained earnings to average equity (ytd only) | 11.1881% | 764 |
| Net charge-offs to loans | -0.0107% | 4,248 |
| Credit loss provision to net charge-offs | -950.0000% | 3,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6291% | 2,993 |
| Assets per employee ($millions) | 4.2385% | 3,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4727% | 1,423 |
| Loan loss allowance to noncurrent loans | 328.5503% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.3625% | 3,150 |
| Noncurrent loans to loans | 0.4482% | 2,977 |
| Net loans and leases to total assets | 79.6754% | 878 |
| Net loans and leases to deposits | 89.9885% | 1,633 |
| Net loans and leases to core deposits | 93.6330% | 2,158 |
| Total domestic deposits to total assets | 88.5395% | 1,066 |
| Equity capital to assets | 11.1162% | 2,730 |
| Core capital (leverage) ratio | 11.3341% | 2,262 |
| Tier 1 risk-based capital ratio | 13.9455% | 3,366 |
| Total risk-based capital ratio | 15.1984% | 3,282 |
| Memoranda: | ||
| Average total assets | $185,516,000 | 3,029 |
| Average earning assets | $171,084,500 | 3,040 |
| Average equity | $20,414,500 | 3,118 |
| Average total loans | $149,910,500 | 2,690 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7347% | 1,719 |
| Cost of funding earning assets | 0.1971% | 5,016 |
| Net interest margin | 4.5376% | 714 |
| Noninterest income to average assets | 0.7853% | 1,497 |
| Noninterest expense to average assets | 3.2976% | 1,330 |
| Loan and lease loss provision to assets | 0.0150% | 3,849 |
| Net operating income to assets | 1.3033% | 1,785 |
| Return on assets (ROA) | 1.3046% | 1,764 |
| Pretax return on assets | 1.6403% | 1,342 |
| Return on Equity (ROE) | 12.5127% | 1,545 |
| Retained earnings to average equity (ytd only) | 7.1266% | 1,613 |
| Net charge-offs to loans | -0.0405% | 4,902 |
| Credit loss provision to net charge-offs | -48.2759% | 4,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6018% | 2,763 |
| Assets per employee ($millions) | 4.1941% | 3,622 |
| Cash dividends to net income (ytd only)* | 43.0447% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4623% | 1,408 |
| Loan loss allowance to noncurrent loans | 339.9376% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.3474% | 3,156 |
| Noncurrent loans to loans | 0.4302% | 2,997 |
| Net loans and leases to total assets | 79.5669% | 1,005 |
| Net loans and leases to deposits | 89.6279% | 1,845 |
| Net loans and leases to core deposits | 93.3505% | 2,284 |
| Total domestic deposits to total assets | 88.7747% | 957 |
| Equity capital to assets | 10.8909% | 2,799 |
| Core capital (leverage) ratio | 10.6948% | 2,843 |
| Tier 1 risk-based capital ratio | 13.5742% | 3,509 |
| Total risk-based capital ratio | 14.8254% | 3,415 |
| Memoranda: | ||
| Average total assets | $186,799,800 | 2,990 |
| Average earning assets | $171,500,000 | 3,006 |
| Average equity | $19,476,200 | 3,139 |
| Average total loans | $143,142,800 | 2,730 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5980% | 1,978 |
| Cost of funding earning assets | 0.1721% | 5,134 |
| Net interest margin | 4.4258% | 856 |
| Noninterest income to average assets | 0.5266% | 2,704 |
| Noninterest expense to average assets | 3.2293% | 1,460 |
| Loan and lease loss provision to assets | 0.0199% | 3,608 |
| Net operating income to assets | 1.0671% | 2,802 |
| Return on assets (ROA) | 1.0688% | 2,802 |
| Pretax return on assets | 1.3414% | 2,462 |
| Return on Equity (ROE) | 10.3651% | 2,450 |
| Retained earnings to average equity (ytd only) | 9.3300% | 1,103 |
| Net charge-offs to loans | -0.0527% | 4,946 |
| Credit loss provision to net charge-offs | -50.0000% | 4,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3784% | 2,140 |
| Assets per employee ($millions) | 4.2360% | 3,522 |
| Cash dividends to net income (ytd only)* | 9.9869% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5723% | 1,145 |
| Loan loss allowance to noncurrent loans | 353.4091% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.3546% | 3,256 |
| Noncurrent loans to loans | 0.4449% | 3,062 |
| Net loans and leases to total assets | 71.4917% | 2,411 |
| Net loans and leases to deposits | 80.1877% | 3,021 |
| Net loans and leases to core deposits | 83.0757% | 3,240 |
| Total domestic deposits to total assets | 89.1555% | 793 |
| Equity capital to assets | 10.4925% | 3,149 |
| Core capital (leverage) ratio | 10.5471% | 3,042 |
| Tier 1 risk-based capital ratio | 14.3372% | 3,195 |
| Total risk-based capital ratio | 15.5903% | 3,108 |
| Memoranda: | ||
| Average total assets | $187,365,000 | 3,010 |
| Average earning assets | $171,955,500 | 3,030 |
| Average equity | $19,320,750 | 3,176 |
| Average total loans | $141,675,750 | 2,764 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5166% | 2,037 |
| Cost of funding earning assets | 0.1451% | 5,265 |
| Net interest margin | 4.3715% | 905 |
| Noninterest income to average assets | 0.5304% | 2,681 |
| Noninterest expense to average assets | 3.2596% | 1,412 |
| Loan and lease loss provision to assets | 0.0301% | 3,306 |
| Net operating income to assets | 0.9659% | 3,162 |
| Return on assets (ROA) | 0.9684% | 3,153 |
| Pretax return on assets | 1.2562% | 2,697 |
| Return on Equity (ROE) | 9.4480% | 2,831 |
| Retained earnings to average equity (ytd only) | 7.8768% | 1,679 |
| Net charge-offs to loans | -0.1163% | 5,208 |
| Credit loss provision to net charge-offs | -33.7349% | 3,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7561% | 2,040 |
| Assets per employee ($millions) | 4.2033% | 3,573 |
| Cash dividends to net income (ytd only)* | 16.6297% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5629% | 1,206 |
| Loan loss allowance to noncurrent loans | 151.2697% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.7846% | 1,912 |
| Noncurrent loans to loans | 1.0332% | 1,705 |
| Net loans and leases to total assets | 71.7933% | 2,307 |
| Net loans and leases to deposits | 80.0693% | 2,938 |
| Net loans and leases to core deposits | 82.5909% | 3,197 |
| Total domestic deposits to total assets | 89.6639% | 684 |
| Equity capital to assets | 10.0449% | 3,577 |
| Core capital (leverage) ratio | 10.5790% | 2,945 |
| Tier 1 risk-based capital ratio | 13.4377% | 3,650 |
| Total risk-based capital ratio | 14.6907% | 3,567 |
| Memoranda: | ||
| Average total assets | $186,279,330 | 3,034 |
| Average earning assets | $170,970,330 | 3,054 |
| Average equity | $19,094,000 | 3,214 |
| Average total loans | $142,749,000 | 2,766 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5155% | 1,817 |
| Cost of funding earning assets | 0.1353% | 5,338 |
| Net interest margin | 4.3801% | 802 |
| Noninterest income to average assets | 0.5275% | 2,646 |
| Noninterest expense to average assets | 3.3774% | 1,203 |
| Loan and lease loss provision to assets | 0.0613% | 2,552 |
| Net operating income to assets | 0.8616% | 3,449 |
| Return on assets (ROA) | 0.8668% | 3,442 |
| Pretax return on assets | 1.1338% | 3,032 |
| Return on Equity (ROE) | 8.3677% | 3,208 |
| Retained earnings to average equity (ytd only) | 8.3677% | 1,699 |
| Net charge-offs to loans | -0.2145% | 5,390 |
| Credit loss provision to net charge-offs | -36.3636% | 3,601 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9693% | 1,902 |
| Assets per employee ($millions) | 3.6898% | 4,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5375% | 1,327 |
| Loan loss allowance to noncurrent loans | 110.6801% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 1.1085% | 1,400 |
| Noncurrent loans to loans | 1.3891% | 1,281 |
| Net loans and leases to total assets | 76.2628% | 1,497 |
| Net loans and leases to deposits | 85.5156% | 2,228 |
| Net loans and leases to core deposits | 87.1665% | 2,704 |
| Total domestic deposits to total assets | 89.1800% | 1,014 |
| Equity capital to assets | 10.3382% | 3,229 |
| Core capital (leverage) ratio | 10.6575% | 2,786 |
| Tier 1 risk-based capital ratio | 12.8920% | 4,008 |
| Total risk-based capital ratio | 14.1450% | 3,898 |
| Memoranda: | ||
| Average total assets | $182,743,500 | 3,102 |
| Average earning assets | $168,487,500 | 3,114 |
| Average equity | $18,930,000 | 3,251 |
| Average total loans | $143,615,000 | 2,768 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4498% | 1,879 |
| Cost of funding earning assets | 0.0928% | 5,521 |
| Net interest margin | 4.3570% | 850 |
| Noninterest income to average assets | 0.6680% | 2,098 |
| Noninterest expense to average assets | 3.4872% | 1,060 |
| Loan and lease loss provision to assets | 0.0666% | 2,876 |
| Net operating income to assets | 0.7647% | 3,321 |
| Return on assets (ROA) | 0.7654% | 3,356 |
| Pretax return on assets | 1.1298% | 3,061 |
| Return on Equity (ROE) | 7.7466% | 2,922 |
| Retained earnings to average equity (ytd only) | 5.8346% | 1,634 |
| Net charge-offs to loans | 0.0971% | 2,109 |
| Credit loss provision to net charge-offs | 92.4812% | 2,735 |
| Earnings coverage of net charge-offs (x) | 16.6015% | 2,167 |
| Efficiency ratio | 74.4740% | 1,829 |
| Assets per employee ($millions) | 3.6199% | 4,541 |
| Cash dividends to net income (ytd only)* | 24.6818% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 1,580 |
| Loan loss allowance to noncurrent loans | 84.2254% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.4172% | 990 |
| Noncurrent loans to loans | 1.7217% | 940 |
| Net loans and leases to total assets | 78.5885% | 1,200 |
| Net loans and leases to deposits | 91.2609% | 1,618 |
| Net loans and leases to core deposits | 93.1202% | 2,274 |
| Total domestic deposits to total assets | 86.1141% | 2,384 |
| Equity capital to assets | 10.3798% | 3,294 |
| Core capital (leverage) ratio | 10.3474% | 3,017 |
| Tier 1 risk-based capital ratio | 12.4642% | 4,228 |
| Total risk-based capital ratio | 13.7155% | 4,129 |
| Memoranda: | ||
| Average total assets | $184,730,400 | 3,069 |
| Average earning assets | $170,208,800 | 3,071 |
| Average equity | $18,253,200 | 3,334 |
| Average total loans | $136,967,800 | 2,824 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4569% | 1,766 |
| Cost of funding earning assets | 0.0892% | 5,591 |
| Net interest margin | 4.3677% | 786 |
| Noninterest income to average assets | 0.5644% | 2,649 |
| Noninterest expense to average assets | 3.5044% | 990 |
| Loan and lease loss provision to assets | 0.0646% | 2,781 |
| Net operating income to assets | 0.6741% | 4,106 |
| Return on assets (ROA) | 0.6750% | 4,160 |
| Pretax return on assets | 1.0068% | 3,660 |
| Return on Equity (ROE) | 6.9168% | 3,707 |
| Retained earnings to average equity (ytd only) | 5.9970% | 2,240 |
| Net charge-offs to loans | 0.0533% | 2,377 |
| Credit loss provision to net charge-offs | 166.6667% | 1,553 |
| Earnings coverage of net charge-offs (x) | 27.5919% | 1,627 |
| Efficiency ratio | 76.6091% | 1,510 |
| Assets per employee ($millions) | 4.1888% | 3,675 |
| Cash dividends to net income (ytd only)* | 13.2977% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5576% | 1,337 |
| Loan loss allowance to noncurrent loans | 297.4965% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.4239% | 3,325 |
| Noncurrent loans to loans | 0.5236% | 3,131 |
| Net loans and leases to total assets | 71.7180% | 2,296 |
| Net loans and leases to deposits | 80.0700% | 2,968 |
| Net loans and leases to core deposits | 81.8066% | 3,305 |
| Total domestic deposits to total assets | 89.5691% | 633 |
| Equity capital to assets | 9.8834% | 4,045 |
| Core capital (leverage) ratio | 10.0221% | 3,542 |
| Tier 1 risk-based capital ratio | 12.8184% | 4,132 |
| Total risk-based capital ratio | 14.0710% | 4,033 |
| Memoranda: | ||
| Average total assets | $185,664,000 | 3,089 |
| Average earning assets | $170,458,000 | 3,096 |
| Average equity | $18,119,750 | 3,376 |
| Average total loans | $135,126,000 | 2,865 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3028% | 2,114 |
| Cost of funding earning assets | 0.0894% | 5,635 |
| Net interest margin | 4.2134% | 1,050 |
| Noninterest income to average assets | 0.5847% | 2,535 |
| Noninterest expense to average assets | 3.5535% | 931 |
| Loan and lease loss provision to assets | 0.0974% | 2,057 |
| Net operating income to assets | 0.5442% | 4,550 |
| Return on assets (ROA) | 0.5457% | 4,581 |
| Pretax return on assets | 0.8142% | 4,220 |
| Return on Equity (ROE) | 5.6157% | 4,217 |
| Retained earnings to average equity (ytd only) | 4.2229% | 3,193 |
| Net charge-offs to loans | 0.1057% | 1,573 |
| Credit loss provision to net charge-offs | 126.7606% | 1,712 |
| Earnings coverage of net charge-offs (x) | 11.8310% | 2,237 |
| Efficiency ratio | 79.6215% | 1,260 |
| Assets per employee ($millions) | 3.8034% | 4,273 |
| Cash dividends to net income (ytd only)* | 24.8016% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5631% | 1,352 |
| Loan loss allowance to noncurrent loans | 288.3152% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.6385% | 2,642 |
| Noncurrent loans to loans | 0.5421% | 3,122 |
| Net loans and leases to total assets | 71.7049% | 2,249 |
| Net loans and leases to deposits | 79.8193% | 2,931 |
| Net loans and leases to core deposits | 81.5708% | 3,288 |
| Total domestic deposits to total assets | 89.8341% | 589 |
| Equity capital to assets | 9.7672% | 4,160 |
| Core capital (leverage) ratio | 9.8636% | 3,700 |
| Tier 1 risk-based capital ratio | 12.7137% | 4,180 |
| Total risk-based capital ratio | 13.9662% | 4,085 |
| Memoranda: | ||
| Average total assets | $184,719,330 | 3,108 |
| Average earning assets | $170,030,000 | 3,111 |
| Average equity | $17,949,670 | 3,401 |
| Average total loans | $134,392,670 | 2,880 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2767% | 2,025 |
| Cost of funding earning assets | 0.0986% | 5,653 |
| Net interest margin | 4.1781% | 1,035 |
| Noninterest income to average assets | 0.6221% | 2,309 |
| Noninterest expense to average assets | 3.5890% | 908 |
| Loan and lease loss provision to assets | 0.1631% | 1,101 |
| Net operating income to assets | 0.4894% | 4,641 |
| Return on assets (ROA) | 0.4894% | 4,664 |
| Pretax return on assets | 0.7417% | 4,308 |
| Return on Equity (ROE) | 5.0497% | 4,370 |
| Retained earnings to average equity (ytd only) | 5.0497% | 2,862 |
| Net charge-offs to loans | 0.1825% | 927 |
| Credit loss provision to net charge-offs | 122.9508% | 1,367 |
| Earnings coverage of net charge-offs (x) | 6.8197% | 2,190 |
| Efficiency ratio | 79.8645% | 1,401 |
| Assets per employee ($millions) | 3.6152% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5671% | 1,463 |
| Loan loss allowance to noncurrent loans | 286.4682% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.8846% | 2,091 |
| Noncurrent loans to loans | 0.5470% | 3,175 |
| Net loans and leases to total assets | 72.1202% | 2,055 |
| Net loans and leases to deposits | 80.3098% | 2,709 |
| Net loans and leases to core deposits | 81.2227% | 3,175 |
| Total domestic deposits to total assets | 89.8024% | 747 |
| Equity capital to assets | 9.7485% | 4,021 |
| Core capital (leverage) ratio | 9.6981% | 3,875 |
| Tier 1 risk-based capital ratio | 12.9146% | 4,134 |
| Total risk-based capital ratio | 14.1677% | 4,026 |
| Memoranda: | ||
| Average total assets | $183,895,000 | 3,143 |
| Average earning assets | $170,412,500 | 3,130 |
| Average equity | $17,823,000 | 3,431 |
| Average total loans | $133,710,500 | 2,903 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9333% | 3,447 |
| Cost of funding earning assets | 0.0949% | 5,727 |
| Net interest margin | 3.8384% | 2,176 |
| Noninterest income to average assets | 0.7947% | 1,762 |
| Noninterest expense to average assets | 3.3848% | 1,394 |
| Loan and lease loss provision to assets | 0.2086% | 1,087 |
| Net operating income to assets | 0.5256% | 4,526 |
| Return on assets (ROA) | 0.5492% | 4,538 |
| Pretax return on assets | 0.8049% | 4,176 |
| Return on Equity (ROE) | 5.8406% | 4,060 |
| Retained earnings to average equity (ytd only) | 3.1563% | 3,663 |
| Net charge-offs to loans | 0.1409% | 1,853 |
| Credit loss provision to net charge-offs | 224.1379% | 1,281 |
| Earnings coverage of net charge-offs (x) | 10.5172% | 2,634 |
| Efficiency ratio | 77.5708% | 1,761 |
| Assets per employee ($millions) | 3.5963% | 4,613 |
| Cash dividends to net income (ytd only)* | 45.9591% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5892% | 1,397 |
| Loan loss allowance to noncurrent loans | 154.6324% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.8358% | 2,255 |
| Noncurrent loans to loans | 1.0277% | 2,029 |
| Net loans and leases to total assets | 71.0026% | 2,332 |
| Net loans and leases to deposits | 80.5079% | 2,837 |
| Net loans and leases to core deposits | 81.2245% | 3,291 |
| Total domestic deposits to total assets | 88.1933% | 1,539 |
| Equity capital to assets | 9.6351% | 4,135 |
| Core capital (leverage) ratio | 9.5840% | 3,988 |
| Tier 1 risk-based capital ratio | 13.3463% | 3,863 |
| Total risk-based capital ratio | 14.6000% | 3,771 |
| Memoranda: | ||
| Average total assets | $186,984,400 | 3,088 |
| Average earning assets | $173,848,200 | 3,069 |
| Average equity | $17,583,800 | 3,477 |
| Average total loans | $123,477,800 | 3,020 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8615% | 3,729 |
| Cost of funding earning assets | 0.0970% | 5,782 |
| Net interest margin | 3.7645% | 2,475 |
| Noninterest income to average assets | 0.6515% | 2,414 |
| Noninterest expense to average assets | 3.3503% | 1,455 |
| Loan and lease loss provision to assets | 0.0426% | 3,380 |
| Net operating income to assets | 0.5182% | 4,631 |
| Return on assets (ROA) | 0.5500% | 4,602 |
| Pretax return on assets | 0.8012% | 4,303 |
| Return on Equity (ROE) | 5.8839% | 4,129 |
| Retained earnings to average equity (ytd only) | 3.7353% | 3,647 |
| Net charge-offs to loans | -0.0044% | 4,596 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7699% | 1,327 |
| Assets per employee ($millions) | 3.6722% | 4,531 |
| Cash dividends to net income (ytd only)* | 36.5157% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5248% | 1,677 |
| Loan loss allowance to noncurrent loans | 108.0886% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 1.1128% | 1,825 |
| Noncurrent loans to loans | 1.4107% | 1,553 |
| Net loans and leases to total assets | 67.2796% | 2,907 |
| Net loans and leases to deposits | 75.2008% | 3,478 |
| Net loans and leases to core deposits | 75.9739% | 3,835 |
| Total domestic deposits to total assets | 89.4666% | 686 |
| Equity capital to assets | 9.5637% | 4,596 |
| Core capital (leverage) ratio | 9.3965% | 4,328 |
| Tier 1 risk-based capital ratio | 13.5018% | 3,858 |
| Total risk-based capital ratio | 14.7547% | 3,765 |
| Memoranda: | ||
| Average total assets | $187,877,250 | 3,094 |
| Average earning assets | $174,504,250 | 3,081 |
| Average equity | $17,561,750 | 3,505 |
| Average total loans | $121,264,500 | 3,050 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8052% | 3,937 |
| Cost of funding earning assets | 0.0962% | 5,868 |
| Net interest margin | 3.7090% | 2,660 |
| Noninterest income to average assets | 0.6625% | 2,319 |
| Noninterest expense to average assets | 3.3550% | 1,470 |
| Loan and lease loss provision to assets | 0.0160% | 3,793 |
| Net operating income to assets | 0.5022% | 4,669 |
| Return on assets (ROA) | 0.5253% | 4,707 |
| Pretax return on assets | 0.7678% | 4,400 |
| Return on Equity (ROE) | 5.6634% | 4,216 |
| Retained earnings to average equity (ytd only) | 2.4190% | 4,348 |
| Net charge-offs to loans | 0.0202% | 3,089 |
| Credit loss provision to net charge-offs | 125.0000% | 1,802 |
| Earnings coverage of net charge-offs (x) | 58.7500% | 899 |
| Efficiency ratio | 81.7358% | 1,302 |
| Assets per employee ($millions) | 3.8242% | 4,226 |
| Cash dividends to net income (ytd only)* | 57.2874% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5759% | 1,599 |
| Loan loss allowance to noncurrent loans | 112.2995% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.0470% | 2,033 |
| Noncurrent loans to loans | 1.4033% | 1,592 |
| Net loans and leases to total assets | 62.9936% | 3,500 |
| Net loans and leases to deposits | 69.9065% | 3,994 |
| Net loans and leases to core deposits | 70.6192% | 4,285 |
| Total domestic deposits to total assets | 90.1112% | 445 |
| Equity capital to assets | 9.4341% | 4,836 |
| Core capital (leverage) ratio | 9.1986% | 4,596 |
| Tier 1 risk-based capital ratio | 14.0758% | 3,559 |
| Total risk-based capital ratio | 15.3289% | 3,476 |
| Memoranda: | ||
| Average total assets | $188,076,000 | 3,108 |
| Average earning assets | $174,550,330 | 3,089 |
| Average equity | $17,445,330 | 3,523 |
| Average total loans | $119,035,000 | 3,096 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7761% | 4,033 |
| Cost of funding earning assets | 0.0988% | 5,922 |
| Net interest margin | 3.6772% | 2,772 |
| Noninterest income to average assets | 0.6326% | 2,353 |
| Noninterest expense to average assets | 3.3584% | 1,469 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4624% | 4,773 |
| Return on assets (ROA) | 0.4946% | 4,746 |
| Pretax return on assets | 0.7175% | 4,463 |
| Return on Equity (ROE) | 5.3783% | 4,303 |
| Retained earnings to average equity (ytd only) | 3.5778% | 3,707 |
| Net charge-offs to loans | -0.0304% | 5,071 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3509% | 1,218 |
| Assets per employee ($millions) | 3.7990% | 4,304 |
| Cash dividends to net income (ytd only)* | 33.4764% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5756% | 1,699 |
| Loan loss allowance to noncurrent loans | 86.1818% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 1.3077% | 1,638 |
| Noncurrent loans to loans | 1.8282% | 1,217 |
| Net loans and leases to total assets | 62.3541% | 3,479 |
| Net loans and leases to deposits | 68.8771% | 3,970 |
| Net loans and leases to core deposits | 69.3177% | 4,285 |
| Total domestic deposits to total assets | 90.5296% | 421 |
| Equity capital to assets | 9.1972% | 4,989 |
| Core capital (leverage) ratio | 9.3839% | 4,374 |
| Tier 1 risk-based capital ratio | 14.1946% | 3,567 |
| Total risk-based capital ratio | 15.4476% | 3,499 |
| Memoranda: | ||
| Average total assets | $188,422,000 | 3,106 |
| Average earning assets | $174,043,500 | 3,112 |
| Average equity | $17,329,000 | 3,538 |
| Average total loans | $118,587,500 | 3,106 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7588% | 4,166 |
| Cost of funding earning assets | 0.1306% | 5,810 |
| Net interest margin | 3.6282% | 3,023 |
| Noninterest income to average assets | 0.6356% | 2,532 |
| Noninterest expense to average assets | 3.3233% | 1,665 |
| Loan and lease loss provision to assets | 0.0442% | 3,444 |
| Net operating income to assets | 0.4435% | 4,905 |
| Return on assets (ROA) | 0.4524% | 4,960 |
| Pretax return on assets | 0.6351% | 4,720 |
| Return on Equity (ROE) | 5.1407% | 4,443 |
| Retained earnings to average equity (ytd only) | 4.7799% | 2,595 |
| Net charge-offs to loans | -0.0236% | 5,324 |
| Credit loss provision to net charge-offs | -314.8148% | 5,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2877% | 1,248 |
| Assets per employee ($millions) | 3.8936% | 4,126 |
| Cash dividends to net income (ytd only)* | 7.0196% | 4,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6151% | 1,568 |
| Loan loss allowance to noncurrent loans | 82.9086% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 1.3853% | 1,508 |
| Noncurrent loans to loans | 1.9480% | 1,089 |
| Net loans and leases to total assets | 61.5057% | 3,629 |
| Net loans and leases to deposits | 67.9725% | 4,133 |
| Net loans and leases to core deposits | 68.5162% | 4,408 |
| Total domestic deposits to total assets | 90.4861% | 441 |
| Equity capital to assets | 9.1966% | 4,918 |
| Core capital (leverage) ratio | 8.9786% | 4,909 |
| Tier 1 risk-based capital ratio | 14.1413% | 3,643 |
| Total risk-based capital ratio | 15.3945% | 3,554 |
| Memoranda: | ||
| Average total assets | $192,100,200 | 3,025 |
| Average earning assets | $177,608,800 | 3,023 |
| Average equity | $16,904,200 | 3,540 |
| Average total loans | $114,581,600 | 3,129 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7350% | 4,314 |
| Cost of funding earning assets | 0.1389% | 5,859 |
| Net interest margin | 3.5961% | 3,178 |
| Noninterest income to average assets | 0.7501% | 2,026 |
| Noninterest expense to average assets | 3.3725% | 1,526 |
| Loan and lease loss provision to assets | 0.0586% | 3,015 |
| Net operating income to assets | 0.4598% | 4,936 |
| Return on assets (ROA) | 0.4598% | 5,030 |
| Pretax return on assets | 0.6391% | 4,868 |
| Return on Equity (ROE) | 5.2831% | 4,501 |
| Retained earnings to average equity (ytd only) | 5.0851% | 2,854 |
| Net charge-offs to loans | -0.0269% | 5,306 |
| Credit loss provision to net charge-offs | -369.5652% | 5,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8591% | 1,284 |
| Assets per employee ($millions) | 3.6985% | 4,453 |
| Cash dividends to net income (ytd only)* | 3.7478% | 3,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6363% | 1,648 |
| Loan loss allowance to noncurrent loans | 101.9491% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.0285% | 2,297 |
| Noncurrent loans to loans | 1.6050% | 1,542 |
| Net loans and leases to total assets | 57.7466% | 4,171 |
| Net loans and leases to deposits | 63.6405% | 4,585 |
| Net loans and leases to core deposits | 64.0332% | 4,816 |
| Total domestic deposits to total assets | 90.7388% | 329 |
| Equity capital to assets | 8.7801% | 5,505 |
| Core capital (leverage) ratio | 8.7257% | 5,321 |
| Tier 1 risk-based capital ratio | 14.0037% | 3,845 |
| Total risk-based capital ratio | 15.2576% | 3,787 |
| Memoranda: | ||
| Average total assets | $193,401,500 | 3,036 |
| Average earning assets | $178,557,250 | 3,040 |
| Average equity | $16,833,250 | 3,582 |
| Average total loans | $114,017,500 | 3,165 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7324% | 4,308 |
| Cost of funding earning assets | 0.1481% | 5,860 |
| Net interest margin | 3.5843% | 3,154 |
| Noninterest income to average assets | 0.7355% | 2,059 |
| Noninterest expense to average assets | 3.4457% | 1,384 |
| Loan and lease loss provision to assets | 0.0883% | 2,342 |
| Net operating income to assets | 0.3667% | 5,246 |
| Return on assets (ROA) | 0.3667% | 5,353 |
| Pretax return on assets | 0.5194% | 5,179 |
| Return on Equity (ROE) | 4.2257% | 4,936 |
| Retained earnings to average equity (ytd only) | 3.9264% | 3,508 |
| Net charge-offs to loans | -0.0106% | 4,934 |
| Credit loss provision to net charge-offs | -1,416.6667% | 5,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0077% | 1,152 |
| Assets per employee ($millions) | 3.3199% | 5,130 |
| Cash dividends to net income (ytd only)* | 7.0822% | 3,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6106% | 1,872 |
| Loan loss allowance to noncurrent loans | 112.5452% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 1.0184% | 2,475 |
| Noncurrent loans to loans | 1.4311% | 1,869 |
| Net loans and leases to total assets | 59.1998% | 3,945 |
| Net loans and leases to deposits | 65.2365% | 4,411 |
| Net loans and leases to core deposits | 65.6460% | 4,682 |
| Total domestic deposits to total assets | 90.7464% | 377 |
| Equity capital to assets | 8.7545% | 5,480 |
| Core capital (leverage) ratio | 8.5300% | 5,505 |
| Tier 1 risk-based capital ratio | 13.7347% | 4,075 |
| Total risk-based capital ratio | 14.9888% | 4,014 |
| Memoranda: | ||
| Average total assets | $192,528,000 | 3,072 |
| Average earning assets | $178,222,670 | 3,065 |
| Average equity | $16,707,330 | 3,610 |
| Average total loans | $113,663,670 | 3,187 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7208% | 4,296 |
| Cost of funding earning assets | 0.1572% | 5,865 |
| Net interest margin | 3.5636% | 3,155 |
| Noninterest income to average assets | 0.7563% | 1,880 |
| Noninterest expense to average assets | 3.4366% | 1,427 |
| Loan and lease loss provision to assets | 0.0519% | 2,897 |
| Net operating income to assets | 0.3927% | 5,094 |
| Return on assets (ROA) | 0.3927% | 5,209 |
| Pretax return on assets | 0.5651% | 5,008 |
| Return on Equity (ROE) | 4.5453% | 4,740 |
| Retained earnings to average equity (ytd only) | 4.5453% | 3,299 |
| Net charge-offs to loans | -0.0711% | 5,701 |
| Credit loss provision to net charge-offs | -125.0000% | 4,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7770% | 1,289 |
| Assets per employee ($millions) | 3.5882% | 4,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5701% | 2,159 |
| Loan loss allowance to noncurrent loans | 103.5857% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.6103% | 1,587 |
| Noncurrent loans to loans | 1.5158% | 1,860 |
| Net loans and leases to total assets | 57.8128% | 3,972 |
| Net loans and leases to deposits | 63.4929% | 4,427 |
| Net loans and leases to core deposits | 63.7904% | 4,716 |
| Total domestic deposits to total assets | 91.0539% | 346 |
| Equity capital to assets | 8.5108% | 5,734 |
| Core capital (leverage) ratio | 8.5334% | 5,490 |
| Tier 1 risk-based capital ratio | 13.3435% | 4,403 |
| Total risk-based capital ratio | 14.5968% | 4,315 |
| Memoranda: | ||
| Average total assets | $192,515,500 | 3,085 |
| Average earning assets | $178,133,500 | 3,085 |
| Average equity | $16,632,500 | 3,643 |
| Average total loans | $112,567,000 | 3,220 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6687% | 4,881 |
| Cost of funding earning assets | 0.2181% | 5,606 |
| Net interest margin | 3.4507% | 3,978 |
| Noninterest income to average assets | 0.8456% | 1,694 |
| Noninterest expense to average assets | 3.8755% | 879 |
| Loan and lease loss provision to assets | 0.0011% | 4,587 |
| Net operating income to assets | 0.1775% | 5,809 |
| Return on assets (ROA) | 0.1800% | 5,853 |
| Pretax return on assets | 0.1923% | 5,885 |
| Return on Equity (ROE) | 2.1145% | 5,741 |
| Retained earnings to average equity (ytd only) | 0.2886% | 5,649 |
| Net charge-offs to loans | 0.1662% | 2,371 |
| Credit loss provision to net charge-offs | 1.1561% | 4,196 |
| Earnings coverage of net charge-offs (x) | 2.0636% | 4,260 |
| Efficiency ratio | 95.3100% | 533 |
| Assets per employee ($millions) | 3.2927% | 5,272 |
| Cash dividends to net income (ytd only)* | 86.3501% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6251% | 2,009 |
| Loan loss allowance to noncurrent loans | 106.0968% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.6523% | 1,630 |
| Noncurrent loans to loans | 1.5318% | 1,917 |
| Net loans and leases to total assets | 57.2490% | 4,163 |
| Net loans and leases to deposits | 63.0533% | 4,626 |
| Net loans and leases to core deposits | 63.3645% | 4,884 |
| Total domestic deposits to total assets | 90.7945% | 433 |
| Equity capital to assets | 8.7749% | 5,507 |
| Core capital (leverage) ratio | 8.5406% | 5,514 |
| Tier 1 risk-based capital ratio | 14.2756% | 3,918 |
| Total risk-based capital ratio | 15.2189% | 4,042 |
| Memoranda: | ||
| Average total assets | $187,203,000 | 3,131 |
| Average earning assets | $174,720,400 | 3,101 |
| Average equity | $15,937,400 | 3,674 |
| Average total loans | $104,062,200 | 3,342 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6018% | 5,137 |
| Cost of funding earning assets | 0.2217% | 5,649 |
| Net interest margin | 3.3801% | 4,312 |
| Noninterest income to average assets | 0.8631% | 1,650 |
| Noninterest expense to average assets | 3.7109% | 1,099 |
| Loan and lease loss provision to assets | 0.0014% | 4,382 |
| Net operating income to assets | 0.2366% | 5,761 |
| Return on assets (ROA) | 0.2395% | 5,814 |
| Pretax return on assets | 0.3050% | 5,766 |
| Return on Equity (ROE) | 2.8346% | 5,597 |
| Retained earnings to average equity (ytd only) | 0.6833% | 5,600 |
| Net charge-offs to loans | 0.1051% | 2,747 |
| Credit loss provision to net charge-offs | 2.4691% | 3,784 |
| Earnings coverage of net charge-offs (x) | 5.2468% | 3,304 |
| Efficiency ratio | 92.4538% | 676 |
| Assets per employee ($millions) | 3.3531% | 5,136 |
| Cash dividends to net income (ytd only)* | 75.8923% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6882% | 2,009 |
| Loan loss allowance to noncurrent loans | 77.7269% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 1.9795% | 1,458 |
| Noncurrent loans to loans | 2.1719% | 1,408 |
| Net loans and leases to total assets | 57.9029% | 4,083 |
| Net loans and leases to deposits | 63.7215% | 4,573 |
| Net loans and leases to core deposits | 64.1368% | 4,871 |
| Total domestic deposits to total assets | 90.8688% | 397 |
| Equity capital to assets | 8.5715% | 5,744 |
| Core capital (leverage) ratio | 8.6030% | 5,549 |
| Tier 1 risk-based capital ratio | 14.3356% | 3,999 |
| Total risk-based capital ratio | 15.5904% | 3,923 |
| Memoranda: | ||
| Average total assets | $187,083,250 | 3,167 |
| Average earning assets | $174,388,500 | 3,131 |
| Average equity | $15,804,500 | 3,716 |
| Average total loans | $102,772,500 | 3,394 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5759% | 5,218 |
| Cost of funding earning assets | 0.2246% | 5,704 |
| Net interest margin | 3.3513% | 4,394 |
| Noninterest income to average assets | 0.8413% | 1,698 |
| Noninterest expense to average assets | 3.7067% | 1,128 |
| Loan and lease loss provision to assets | 0.0011% | 4,188 |
| Net operating income to assets | 0.2043% | 5,825 |
| Return on assets (ROA) | 0.2087% | 5,865 |
| Pretax return on assets | 0.2526% | 5,867 |
| Return on Equity (ROE) | 2.4829% | 5,702 |
| Retained earnings to average equity (ytd only) | -0.7640% | 5,817 |
| Net charge-offs to loans | 0.1737% | 2,004 |
| Credit loss provision to net charge-offs | 1.1494% | 3,395 |
| Earnings coverage of net charge-offs (x) | 2.6667% | 3,493 |
| Efficiency ratio | 93.7212% | 657 |
| Assets per employee ($millions) | 3.3191% | 5,223 |
| Cash dividends to net income (ytd only)* | 130.7692% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8190% | 1,796 |
| Loan loss allowance to noncurrent loans | 83.4455% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 1.9626% | 1,638 |
| Noncurrent loans to loans | 2.1798% | 1,507 |
| Net loans and leases to total assets | 53.0668% | 4,637 |
| Net loans and leases to deposits | 58.2208% | 5,025 |
| Net loans and leases to core deposits | 58.5960% | 5,226 |
| Total domestic deposits to total assets | 91.1474% | 366 |
| Equity capital to assets | 8.4244% | 5,863 |
| Core capital (leverage) ratio | 8.2864% | 5,861 |
| Tier 1 risk-based capital ratio | 14.5384% | 3,905 |
| Total risk-based capital ratio | 15.7943% | 3,841 |
| Memoranda: | ||
| Average total assets | $186,853,330 | 3,186 |
| Average earning assets | $173,604,670 | 3,154 |
| Average equity | $15,707,670 | 3,742 |
| Average total loans | $100,165,670 | 3,453 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6236% | 5,094 |
| Cost of funding earning assets | 0.2323% | 5,735 |
| Net interest margin | 3.3914% | 4,157 |
| Noninterest income to average assets | 0.9048% | 1,378 |
| Noninterest expense to average assets | 3.7396% | 1,074 |
| Loan and lease loss provision to assets | 0.0022% | 3,797 |
| Net operating income to assets | 0.2413% | 5,691 |
| Return on assets (ROA) | 0.2413% | 5,736 |
| Pretax return on assets | 0.3080% | 5,700 |
| Return on Equity (ROE) | 2.8732% | 5,502 |
| Retained earnings to average equity (ytd only) | -3.6684% | 6,029 |
| Net charge-offs to loans | 0.1130% | 2,048 |
| Credit loss provision to net charge-offs | 3.5714% | 2,656 |
| Earnings coverage of net charge-offs (x) | 5.1429% | 2,417 |
| Efficiency ratio | 92.3404% | 860 |
| Assets per employee ($millions) | 3.4311% | 5,077 |
| Cash dividends to net income (ytd only)* | 227.6786% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9406% | 1,645 |
| Loan loss allowance to noncurrent loans | 79.1993% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 2.1319% | 1,575 |
| Noncurrent loans to loans | 2.4502% | 1,421 |
| Net loans and leases to total assets | 51.3855% | 4,740 |
| Net loans and leases to deposits | 56.3550% | 5,084 |
| Net loans and leases to core deposits | 56.6358% | 5,309 |
| Total domestic deposits to total assets | 91.1817% | 495 |
| Equity capital to assets | 8.3022% | 5,822 |
| Core capital (leverage) ratio | 8.4028% | 5,743 |
| Tier 1 risk-based capital ratio | 14.8143% | 3,803 |
| Total risk-based capital ratio | 16.0712% | 3,756 |
| Memoranda: | ||
| Average total assets | $185,686,000 | 3,223 |
| Average earning assets | $172,202,500 | 3,191 |
| Average equity | $15,592,500 | 3,768 |
| Average total loans | $99,120,500 | 3,489 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5174% | 5,606 |
| Cost of funding earning assets | 0.2580% | 5,921 |
| Net interest margin | 3.2594% | 4,810 |
| Noninterest income to average assets | 1.3142% | 800 |
| Noninterest expense to average assets | 4.4426% | 550 |
| Loan and lease loss provision to assets | 0.0032% | 5,046 |
| Net operating income to assets | -0.1388% | 6,333 |
| Return on assets (ROA) | 0.0834% | 6,125 |
| Pretax return on assets | 0.0689% | 6,130 |
| Return on Equity (ROE) | 0.9890% | 6,084 |
| Retained earnings to average equity (ytd only) | 0.9890% | 5,396 |
| Net charge-offs to loans | 0.0298% | 4,831 |
| Credit loss provision to net charge-offs | 21.4286% | 4,420 |
| Earnings coverage of net charge-offs (x) | -9.9643% | 5,424 |
| Efficiency ratio | 103.4980% | 385 |
| Assets per employee ($millions) | 3.3826% | 5,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9587% | 1,650 |
| Loan loss allowance to noncurrent loans | 66.1230% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 2.7269% | 1,221 |
| Noncurrent loans to loans | 2.9622% | 1,164 |
| Net loans and leases to total assets | 53.3261% | 4,676 |
| Net loans and leases to deposits | 58.5639% | 5,071 |
| Net loans and leases to core deposits | 58.9552% | 5,310 |
| Total domestic deposits to total assets | 91.0562% | 550 |
| Equity capital to assets | 8.4954% | 5,588 |
| Core capital (leverage) ratio | 8.5226% | 5,644 |
| Tier 1 risk-based capital ratio | 14.6688% | 3,854 |
| Total risk-based capital ratio | 15.9255% | 3,796 |
| Memoranda: | ||
| Average total assets | $185,816,400 | 3,213 |
| Average earning assets | $169,784,000 | 3,222 |
| Average equity | $15,672,400 | 3,753 |
| Average total loans | $93,845,800 | 3,605 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4402% | 5,802 |
| Cost of funding earning assets | 0.2622% | 6,008 |
| Net interest margin | 3.1780% | 5,062 |
| Noninterest income to average assets | 1.3083% | 868 |
| Noninterest expense to average assets | 4.5978% | 472 |
| Loan and lease loss provision to assets | 0.0029% | 4,901 |
| Net operating income to assets | -0.2673% | 6,502 |
| Return on assets (ROA) | -0.0700% | 6,394 |
| Pretax return on assets | -0.1050% | 6,403 |
| Return on Equity (ROE) | -0.8316% | 6,414 |
| Retained earnings to average equity (ytd only) | -0.8316% | 6,108 |
| Net charge-offs to loans | 0.0231% | 4,671 |
| Credit loss provision to net charge-offs | 25.0000% | 3,978 |
| Earnings coverage of net charge-offs (x) | -34.6920% | 5,192 |
| Efficiency ratio | 109.4388% | 276 |
| Assets per employee ($millions) | 3.4264% | 5,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1227% | 1,463 |
| Loan loss allowance to noncurrent loans | 64.9618% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 3.8409% | 843 |
| Noncurrent loans to loans | 3.2676% | 1,197 |
| Net loans and leases to total assets | 49.6655% | 5,177 |
| Net loans and leases to deposits | 54.5646% | 5,488 |
| Net loans and leases to core deposits | 54.9312% | 5,701 |
| Total domestic deposits to total assets | 91.0213% | 523 |
| Equity capital to assets | 8.4280% | 5,817 |
| Core capital (leverage) ratio | 8.4797% | 5,787 |
| Tier 1 risk-based capital ratio | 15.4400% | 3,500 |
| Total risk-based capital ratio | 16.6980% | 3,453 |
| Memoranda: | ||
| Average total assets | $186,604,750 | 3,232 |
| Average earning assets | $169,871,750 | 3,242 |
| Average equity | $15,711,000 | 3,791 |
| Average total loans | $92,469,000 | 3,659 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4050% | 5,895 |
| Cost of funding earning assets | 0.2642% | 6,084 |
| Net interest margin | 3.1408% | 5,155 |
| Noninterest income to average assets | 1.3172% | 898 |
| Noninterest expense to average assets | 4.9640% | 363 |
| Loan and lease loss provision to assets | 0.0032% | 4,744 |
| Net operating income to assets | -0.7141% | 6,698 |
| Return on assets (ROA) | -0.3622% | 6,611 |
| Pretax return on assets | -0.4047% | 6,595 |
| Return on Equity (ROE) | -4.3038% | 6,622 |
| Retained earnings to average equity (ytd only) | -4.3038% | 6,418 |
| Net charge-offs to loans | 0.0540% | 3,922 |
| Credit loss provision to net charge-offs | 12.0000% | 3,871 |
| Earnings coverage of net charge-offs (x) | -29.8400% | 4,890 |
| Efficiency ratio | 118.9967% | 193 |
| Assets per employee ($millions) | 3.5974% | 4,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1183% | 1,591 |
| Loan loss allowance to noncurrent loans | 40.3567% | 5,609 |
| Noncurrent assets plus other real estate owned to assets | 4.8169% | 649 |
| Noncurrent loans to loans | 5.2489% | 595 |
| Net loans and leases to total assets | 47.1620% | 5,412 |
| Net loans and leases to deposits | 51.4976% | 5,728 |
| Net loans and leases to core deposits | 51.8244% | 5,897 |
| Total domestic deposits to total assets | 91.5809% | 350 |
| Equity capital to assets | 7.9628% | 6,223 |
| Core capital (leverage) ratio | 8.2813% | 5,905 |
| Tier 1 risk-based capital ratio | 15.0716% | 3,732 |
| Total risk-based capital ratio | 16.3248% | 3,695 |
| Memoranda: | ||
| Average total assets | $188,274,000 | 3,223 |
| Average earning assets | $171,101,330 | 3,236 |
| Average equity | $15,846,330 | 3,797 |
| Average total loans | $92,576,330 | 3,666 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5007% | 5,705 |
| Cost of funding earning assets | 0.2740% | 6,139 |
| Net interest margin | 3.2267% | 4,817 |
| Noninterest income to average assets | 1.3043% | 904 |
| Noninterest expense to average assets | 5.1443% | 338 |
| Loan and lease loss provision to assets | 0.0021% | 4,394 |
| Net operating income to assets | -0.9921% | 6,807 |
| Return on assets (ROA) | -0.5367% | 6,713 |
| Pretax return on assets | -0.4661% | 6,665 |
| Return on Equity (ROE) | -6.2058% | 6,724 |
| Retained earnings to average equity (ytd only) | -6.2058% | 6,428 |
| Net charge-offs to loans | 0.0732% | 3,111 |
| Credit loss provision to net charge-offs | 5.8824% | 3,186 |
| Earnings coverage of net charge-offs (x) | -25.2941% | 4,131 |
| Efficiency ratio | 121.7611% | 204 |
| Assets per employee ($millions) | 3.5375% | 4,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1328% | 1,724 |
| Loan loss allowance to noncurrent loans | 53.8334% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 4.9657% | 741 |
| Noncurrent loans to loans | 3.9619% | 1,146 |
| Net loans and leases to total assets | 47.7734% | 5,249 |
| Net loans and leases to deposits | 52.5871% | 5,566 |
| Net loans and leases to core deposits | 52.9289% | 5,751 |
| Total domestic deposits to total assets | 90.8463% | 594 |
| Equity capital to assets | 8.5414% | 5,980 |
| Core capital (leverage) ratio | 8.3389% | 5,778 |
| Tier 1 risk-based capital ratio | 15.3290% | 3,635 |
| Total risk-based capital ratio | 16.5874% | 3,583 |
| Memoranda: | ||
| Average total assets | $187,080,000 | 3,268 |
| Average earning assets | $169,335,500 | 3,287 |
| Average equity | $16,178,500 | 3,790 |
| Average total loans | $92,931,500 | 3,676 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7401% | 5,967 |
| Cost of funding earning assets | 0.3935% | 5,962 |
| Net interest margin | 3.3466% | 5,081 |
| Noninterest income to average assets | 1.2936% | 918 |
| Noninterest expense to average assets | 3.9038% | 1,097 |
| Loan and lease loss provision to assets | 0.1912% | 3,244 |
| Net operating income to assets | 0.1599% | 5,864 |
| Return on assets (ROA) | 0.3053% | 5,654 |
| Pretax return on assets | 0.4233% | 5,512 |
| Return on Equity (ROE) | 3.5351% | 5,339 |
| Retained earnings to average equity (ytd only) | 3.5351% | 3,731 |
| Net charge-offs to loans | 0.6833% | 1,728 |
| Credit loss provision to net charge-offs | 54.7840% | 4,587 |
| Earnings coverage of net charge-offs (x) | 1.1821% | 4,869 |
| Efficiency ratio | 90.4429% | 1,026 |
| Assets per employee ($millions) | 3.3941% | 5,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0860% | 1,802 |
| Loan loss allowance to noncurrent loans | 50.6694% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 5.5487% | 665 |
| Noncurrent loans to loans | 4.1169% | 1,124 |
| Net loans and leases to total assets | 49.4844% | 5,242 |
| Net loans and leases to deposits | 54.5923% | 5,601 |
| Net loans and leases to core deposits | 54.9492% | 5,799 |
| Total domestic deposits to total assets | 90.6435% | 640 |
| Equity capital to assets | 8.7549% | 5,788 |
| Core capital (leverage) ratio | 8.4108% | 5,742 |
| Tier 1 risk-based capital ratio | 15.2269% | 3,596 |
| Total risk-based capital ratio | 16.4850% | 3,538 |
| Memoranda: | ||
| Average total assets | $185,690,400 | 3,228 |
| Average earning assets | $167,721,600 | 3,259 |
| Average equity | $16,039,200 | 3,768 |
| Average total loans | $94,827,200 | 3,644 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7591% | 6,108 |
| Cost of funding earning assets | 0.4176% | 6,004 |
| Net interest margin | 3.3415% | 5,243 |
| Noninterest income to average assets | 0.8843% | 1,891 |
| Noninterest expense to average assets | 3.4669% | 1,837 |
| Loan and lease loss provision to assets | 0.2531% | 2,544 |
| Net operating income to assets | 0.1355% | 6,058 |
| Return on assets (ROA) | 0.2919% | 5,840 |
| Pretax return on assets | 0.3990% | 5,721 |
| Return on Equity (ROE) | 3.3910% | 5,537 |
| Retained earnings to average equity (ytd only) | 3.3910% | 4,480 |
| Net charge-offs to loans | 0.7049% | 1,568 |
| Credit loss provision to net charge-offs | 70.1195% | 3,899 |
| Earnings coverage of net charge-offs (x) | 1.2131% | 4,691 |
| Efficiency ratio | 88.7866% | 1,127 |
| Assets per employee ($millions) | 3.2191% | 5,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2529% | 1,606 |
| Loan loss allowance to noncurrent loans | 49.7525% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 5.6334% | 745 |
| Noncurrent loans to loans | 4.5281% | 1,041 |
| Net loans and leases to total assets | 49.0563% | 5,429 |
| Net loans and leases to deposits | 54.3328% | 5,781 |
| Net loans and leases to core deposits | 54.6890% | 5,994 |
| Total domestic deposits to total assets | 90.2886% | 687 |
| Equity capital to assets | 8.7666% | 6,050 |
| Core capital (leverage) ratio | 8.3729% | 5,922 |
| Tier 1 risk-based capital ratio | 15.0818% | 3,795 |
| Total risk-based capital ratio | 16.3382% | 3,740 |
| Memoranda: | ||
| Average total assets | $185,444,750 | 3,266 |
| Average earning assets | $167,625,500 | 3,289 |
| Average equity | $15,963,250 | 3,821 |
| Average total loans | $94,948,500 | 3,680 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7964% | 6,148 |
| Cost of funding earning assets | 0.4513% | 5,965 |
| Net interest margin | 3.3452% | 5,286 |
| Noninterest income to average assets | 0.9102% | 1,748 |
| Noninterest expense to average assets | 3.3920% | 2,049 |
| Loan and lease loss provision to assets | 0.3783% | 1,734 |
| Net operating income to assets | 0.1198% | 6,115 |
| Return on assets (ROA) | 0.3232% | 5,735 |
| Pretax return on assets | 0.4551% | 5,565 |
| Return on Equity (ROE) | 3.7780% | 5,371 |
| Retained earnings to average equity (ytd only) | 3.7780% | 4,099 |
| Net charge-offs to loans | 1.0612% | 1,037 |
| Credit loss provision to net charge-offs | 69.1700% | 3,583 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,525 |
| Efficiency ratio | 86.1142% | 1,421 |
| Assets per employee ($millions) | 3.2277% | 5,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2602% | 1,657 |
| Loan loss allowance to noncurrent loans | 49.5178% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 5.7071% | 762 |
| Noncurrent loans to loans | 4.5645% | 1,152 |
| Net loans and leases to total assets | 48.6237% | 5,545 |
| Net loans and leases to deposits | 53.6725% | 5,907 |
| Net loans and leases to core deposits | 54.1408% | 6,087 |
| Total domestic deposits to total assets | 90.5933% | 619 |
| Equity capital to assets | 8.5916% | 6,129 |
| Core capital (leverage) ratio | 8.3124% | 5,892 |
| Tier 1 risk-based capital ratio | 14.9557% | 3,793 |
| Total risk-based capital ratio | 16.2152% | 3,738 |
| Memoranda: | ||
| Average total assets | $185,023,670 | 3,278 |
| Average earning assets | $167,526,000 | 3,304 |
| Average equity | $15,828,330 | 3,832 |
| Average total loans | $95,363,670 | 3,683 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8387% | 6,165 |
| Cost of funding earning assets | 0.4849% | 5,904 |
| Net interest margin | 3.3537% | 5,297 |
| Noninterest income to average assets | 0.9134% | 1,690 |
| Noninterest expense to average assets | 3.4752% | 1,816 |
| Loan and lease loss provision to assets | 0.7612% | 663 |
| Net operating income to assets | -0.2539% | 6,680 |
| Return on assets (ROA) | 0.1196% | 6,324 |
| Pretax return on assets | 0.1348% | 6,327 |
| Return on Equity (ROE) | 1.4012% | 6,254 |
| Retained earnings to average equity (ytd only) | 1.4012% | 5,536 |
| Net charge-offs to loans | 2.0854% | 438 |
| Credit loss provision to net charge-offs | 69.5825% | 2,921 |
| Earnings coverage of net charge-offs (x) | 0.4354% | 4,130 |
| Efficiency ratio | 87.9472% | 1,287 |
| Assets per employee ($millions) | 3.2655% | 5,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2453% | 1,786 |
| Loan loss allowance to noncurrent loans | 54.5690% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 5.6201% | 863 |
| Noncurrent loans to loans | 4.1146% | 1,474 |
| Net loans and leases to total assets | 49.3070% | 5,392 |
| Net loans and leases to deposits | 54.2529% | 5,783 |
| Net loans and leases to core deposits | 54.7255% | 6,001 |
| Total domestic deposits to total assets | 90.8835% | 606 |
| Equity capital to assets | 8.4261% | 6,147 |
| Core capital (leverage) ratio | 8.2889% | 5,889 |
| Tier 1 risk-based capital ratio | 14.6097% | 4,014 |
| Total risk-based capital ratio | 15.8696% | 3,969 |
| Memoranda: | ||
| Average total assets | $183,932,000 | 3,321 |
| Average earning assets | $166,620,500 | 3,339 |
| Average equity | $15,700,500 | 3,861 |
| Average total loans | $96,479,500 | 3,675 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8802% | 6,639 |
| Cost of funding earning assets | 0.5957% | 6,109 |
| Net interest margin | 3.2845% | 5,858 |
| Noninterest income to average assets | 0.6845% | 2,690 |
| Noninterest expense to average assets | 3.5311% | 1,909 |
| Loan and lease loss provision to assets | 0.2848% | 3,385 |
| Net operating income to assets | -0.0775% | 6,141 |
| Return on assets (ROA) | -0.0184% | 6,180 |
| Pretax return on assets | -0.0515% | 6,173 |
| Return on Equity (ROE) | -0.2153% | 6,184 |
| Retained earnings to average equity (ytd only) | -2.3367% | 6,196 |
| Net charge-offs to loans | 0.2312% | 4,336 |
| Credit loss provision to net charge-offs | 221.5190% | 1,097 |
| Earnings coverage of net charge-offs (x) | 1.0970% | 4,964 |
| Efficiency ratio | 96.1595% | 815 |
| Assets per employee ($millions) | 3.1882% | 5,735 |
| Cash dividends to net income (ytd only)* | -985.2941% | 7,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2822% | 1,652 |
| Loan loss allowance to noncurrent loans | 54.0909% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 4.9497% | 1,082 |
| Noncurrent loans to loans | 4.2191% | 1,454 |
| Net loans and leases to total assets | 53.2730% | 5,133 |
| Net loans and leases to deposits | 58.8101% | 5,620 |
| Net loans and leases to core deposits | 59.3345% | 5,901 |
| Total domestic deposits to total assets | 90.5848% | 671 |
| Equity capital to assets | 8.6486% | 5,959 |
| Core capital (leverage) ratio | 8.1686% | 6,044 |
| Tier 1 risk-based capital ratio | 14.5968% | 3,906 |
| Total risk-based capital ratio | 15.8584% | 3,879 |
| Memoranda: | ||
| Average total assets | $184,364,400 | 3,267 |
| Average earning assets | $167,695,800 | 3,285 |
| Average equity | $15,791,200 | 3,756 |
| Average total loans | $102,515,400 | 3,558 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9350% | 6,683 |
| Cost of funding earning assets | 0.6228% | 6,168 |
| Net interest margin | 3.3122% | 5,824 |
| Noninterest income to average assets | 0.7192% | 2,482 |
| Noninterest expense to average assets | 3.5786% | 1,759 |
| Loan and lease loss provision to assets | 0.0540% | 5,771 |
| Net operating income to assets | 0.0916% | 5,983 |
| Return on assets (ROA) | 0.1304% | 6,006 |
| Pretax return on assets | 0.1405% | 6,026 |
| Return on Equity (ROE) | 1.5265% | 5,928 |
| Retained earnings to average equity (ytd only) | -1.2988% | 6,202 |
| Net charge-offs to loans | 0.2425% | 3,908 |
| Credit loss provision to net charge-offs | 39.8936% | 5,249 |
| Earnings coverage of net charge-offs (x) | 1.1277% | 4,782 |
| Efficiency ratio | 95.9058% | 830 |
| Assets per employee ($millions) | 3.1979% | 5,686 |
| Cash dividends to net income (ytd only)* | 185.0827% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8221% | 2,858 |
| Loan loss allowance to noncurrent loans | 40.7002% | 5,586 |
| Noncurrent assets plus other real estate owned to assets | 4.6755% | 1,268 |
| Noncurrent loans to loans | 4.4769% | 1,438 |
| Net loans and leases to total assets | 54.0337% | 5,155 |
| Net loans and leases to deposits | 59.7768% | 5,656 |
| Net loans and leases to core deposits | 60.2132% | 5,979 |
| Total domestic deposits to total assets | 90.3923% | 679 |
| Equity capital to assets | 8.6431% | 6,151 |
| Core capital (leverage) ratio | 8.4210% | 5,823 |
| Tier 1 risk-based capital ratio | 15.3485% | 3,461 |
| Total risk-based capital ratio | 16.6060% | 3,425 |
| Memoranda: | ||
| Average total assets | $185,023,500 | 3,277 |
| Average earning assets | $168,263,250 | 3,284 |
| Average equity | $15,809,750 | 3,773 |
| Average total loans | $103,376,000 | 3,561 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9803% | 6,695 |
| Cost of funding earning assets | 0.6515% | 6,223 |
| Net interest margin | 3.3288% | 5,774 |
| Noninterest income to average assets | 0.6653% | 2,737 |
| Noninterest expense to average assets | 3.5927% | 1,757 |
| Loan and lease loss provision to assets | 0.0811% | 5,294 |
| Net operating income to assets | 0.0389% | 6,148 |
| Return on assets (ROA) | 0.0995% | 6,098 |
| Pretax return on assets | 0.0757% | 6,137 |
| Return on Equity (ROE) | 1.1693% | 6,041 |
| Retained earnings to average equity (ytd only) | -2.2496% | 6,283 |
| Net charge-offs to loans | 0.3506% | 3,148 |
| Credit loss provision to net charge-offs | 41.2088% | 4,797 |
| Earnings coverage of net charge-offs (x) | 0.4890% | 4,942 |
| Efficiency ratio | 97.3900% | 814 |
| Assets per employee ($millions) | 3.2095% | 5,617 |
| Cash dividends to net income (ytd only)* | 292.3913% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8259% | 2,903 |
| Loan loss allowance to noncurrent loans | 42.0460% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 4.4455% | 1,422 |
| Noncurrent loans to loans | 4.3426% | 1,554 |
| Net loans and leases to total assets | 52.9843% | 5,439 |
| Net loans and leases to deposits | 58.3494% | 5,896 |
| Net loans and leases to core deposits | 59.0208% | 6,189 |
| Total domestic deposits to total assets | 90.8052% | 587 |
| Equity capital to assets | 8.3688% | 6,341 |
| Core capital (leverage) ratio | 8.4541% | 5,624 |
| Tier 1 risk-based capital ratio | 15.2921% | 3,354 |
| Total risk-based capital ratio | 16.5497% | 3,305 |
| Memoranda: | ||
| Average total assets | $184,872,330 | 3,304 |
| Average earning assets | $167,926,000 | 3,310 |
| Average equity | $15,736,000 | 3,778 |
| Average total loans | $103,808,000 | 3,587 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0389% | 6,621 |
| Cost of funding earning assets | 0.6735% | 6,281 |
| Net interest margin | 3.3653% | 5,560 |
| Noninterest income to average assets | 0.5366% | 3,607 |
| Noninterest expense to average assets | 3.5832% | 1,806 |
| Loan and lease loss provision to assets | 0.1643% | 3,990 |
| Net operating income to assets | -0.0388% | 6,398 |
| Return on assets (ROA) | 0.0285% | 6,318 |
| Pretax return on assets | -0.0635% | 6,416 |
| Return on Equity (ROE) | 0.3316% | 6,295 |
| Retained earnings to average equity (ytd only) | -6.5304% | 6,642 |
| Net charge-offs to loans | 0.3365% | 2,713 |
| Credit loss provision to net charge-offs | 85.2273% | 3,033 |
| Earnings coverage of net charge-offs (x) | -0.0227% | 4,593 |
| Efficiency ratio | 100.1224% | 740 |
| Assets per employee ($millions) | 3.0005% | 6,142 |
| Cash dividends to net income (ytd only)* | 2,069.2308% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8796% | 2,759 |
| Loan loss allowance to noncurrent loans | 46.2373% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 4.4818% | 1,448 |
| Noncurrent loans to loans | 4.0651% | 1,773 |
| Net loans and leases to total assets | 55.9015% | 5,010 |
| Net loans and leases to deposits | 61.6475% | 5,553 |
| Net loans and leases to core deposits | 62.3793% | 5,892 |
| Total domestic deposits to total assets | 90.6792% | 769 |
| Equity capital to assets | 8.4936% | 5,914 |
| Core capital (leverage) ratio | 8.5030% | 5,445 |
| Tier 1 risk-based capital ratio | 14.8382% | 3,515 |
| Total risk-based capital ratio | 16.0963% | 3,473 |
| Memoranda: | ||
| Average total assets | $182,629,500 | 3,361 |
| Average earning assets | $165,096,000 | 3,378 |
| Average equity | $15,680,500 | 3,783 |
| Average total loans | $104,614,000 | 3,610 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2456% | 6,864 |
| Cost of funding earning assets | 0.9856% | 5,760 |
| Net interest margin | 3.2600% | 6,103 |
| Noninterest income to average assets | 0.9526% | 1,664 |
| Noninterest expense to average assets | 3.7728% | 1,537 |
| Loan and lease loss provision to assets | 0.8532% | 1,920 |
| Net operating income to assets | -0.3605% | 6,274 |
| Return on assets (ROA) | -0.1030% | 6,057 |
| Pretax return on assets | -0.3130% | 6,170 |
| Return on Equity (ROE) | -1.2453% | 6,088 |
| Retained earnings to average equity (ytd only) | -1.4717% | 5,882 |
| Net charge-offs to loans | 1.2793% | 1,755 |
| Credit loss provision to net charge-offs | 118.9993% | 3,568 |
| Earnings coverage of net charge-offs (x) | 0.1922% | 5,919 |
| Efficiency ratio | 96.4765% | 946 |
| Assets per employee ($millions) | 2.9392% | 6,232 |
| Cash dividends to net income (ytd only)* | -18.1818% | 7,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8790% | 2,617 |
| Loan loss allowance to noncurrent loans | 47.0083% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 5.8087% | 1,042 |
| Noncurrent loans to loans | 3.9971% | 1,815 |
| Net loans and leases to total assets | 56.5111% | 5,256 |
| Net loans and leases to deposits | 62.4289% | 5,799 |
| Net loans and leases to core deposits | 64.0596% | 6,047 |
| Total domestic deposits to total assets | 90.5207% | 821 |
| Equity capital to assets | 8.6787% | 5,614 |
| Core capital (leverage) ratio | 8.4797% | 5,401 |
| Tier 1 risk-based capital ratio | 14.4159% | 3,605 |
| Total risk-based capital ratio | 15.6724% | 3,554 |
| Memoranda: | ||
| Average total assets | $192,325,400 | 3,198 |
| Average earning assets | $174,510,000 | 3,196 |
| Average equity | $15,900,000 | 3,787 |
| Average total loans | $107,792,000 | 3,599 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2683% | 7,008 |
| Cost of funding earning assets | 1.0643% | 5,623 |
| Net interest margin | 3.2040% | 6,330 |
| Noninterest income to average assets | 0.9635% | 1,569 |
| Noninterest expense to average assets | 3.8333% | 1,311 |
| Loan and lease loss provision to assets | 0.7814% | 1,949 |
| Net operating income to assets | -0.3682% | 6,486 |
| Return on assets (ROA) | -0.0958% | 6,268 |
| Pretax return on assets | -0.3127% | 6,415 |
| Return on Equity (ROE) | -1.1724% | 6,301 |
| Retained earnings to average equity (ytd only) | -1.4739% | 6,094 |
| Net charge-offs to loans | 1.3591% | 1,493 |
| Credit loss provision to net charge-offs | 103.2550% | 4,157 |
| Earnings coverage of net charge-offs (x) | 0.0570% | 5,971 |
| Efficiency ratio | 98.8879% | 782 |
| Assets per employee ($millions) | 3.0189% | 6,115 |
| Cash dividends to net income (ytd only)* | -25.7152% | 7,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6640% | 3,278 |
| Loan loss allowance to noncurrent loans | 31.3634% | 6,257 |
| Noncurrent assets plus other real estate owned to assets | 5.9731% | 1,002 |
| Noncurrent loans to loans | 5.3054% | 1,275 |
| Net loans and leases to total assets | 55.1287% | 5,675 |
| Net loans and leases to deposits | 60.9419% | 6,222 |
| Net loans and leases to core deposits | 62.2786% | 6,437 |
| Total domestic deposits to total assets | 90.4611% | 652 |
| Equity capital to assets | 8.6050% | 6,148 |
| Core capital (leverage) ratio | 8.0652% | 6,254 |
| Tier 1 risk-based capital ratio | 14.6141% | 3,454 |
| Total risk-based capital ratio | 15.8682% | 3,418 |
| Memoranda: | ||
| Average total assets | $194,849,750 | 3,208 |
| Average earning assets | $177,147,000 | 3,200 |
| Average equity | $15,921,250 | 3,823 |
| Average total loans | $108,502,250 | 3,631 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3255% | 7,004 |
| Cost of funding earning assets | 1.1075% | 5,630 |
| Net interest margin | 3.2180% | 6,260 |
| Noninterest income to average assets | 1.0577% | 1,197 |
| Noninterest expense to average assets | 3.5611% | 1,884 |
| Loan and lease loss provision to assets | 0.6474% | 2,224 |
| Net operating income to assets | -0.1327% | 6,270 |
| Return on assets (ROA) | 0.1033% | 5,972 |
| Pretax return on assets | 0.0142% | 6,132 |
| Return on Equity (ROE) | 1.2863% | 5,874 |
| Retained earnings to average equity (ytd only) | 1.2863% | 5,239 |
| Net charge-offs to loans | 1.3675% | 1,394 |
| Credit loss provision to net charge-offs | 85.2000% | 4,564 |
| Earnings coverage of net charge-offs (x) | 0.5600% | 5,173 |
| Efficiency ratio | 89.3266% | 1,391 |
| Assets per employee ($millions) | 3.1349% | 5,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 3,913 |
| Loan loss allowance to noncurrent loans | 40.0651% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 5.1357% | 1,236 |
| Noncurrent loans to loans | 3.7538% | 2,073 |
| Net loans and leases to total assets | 53.0220% | 6,106 |
| Net loans and leases to deposits | 60.0835% | 6,405 |
| Net loans and leases to core deposits | 60.8683% | 6,643 |
| Total domestic deposits to total assets | 88.2471% | 1,854 |
| Equity capital to assets | 8.3503% | 6,355 |
| Core capital (leverage) ratio | 8.0829% | 6,149 |
| Tier 1 risk-based capital ratio | 14.8958% | 3,209 |
| Total risk-based capital ratio | 16.1484% | 3,183 |
| Memoranda: | ||
| Average total assets | $197,409,330 | 3,202 |
| Average earning assets | $179,676,670 | 3,195 |
| Average equity | $15,859,670 | 3,823 |
| Average total loans | $109,692,670 | 3,646 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3735% | 7,034 |
| Cost of funding earning assets | 1.1261% | 5,771 |
| Net interest margin | 3.2475% | 6,139 |
| Noninterest income to average assets | 1.1066% | 1,031 |
| Noninterest expense to average assets | 3.5123% | 1,950 |
| Loan and lease loss provision to assets | 0.4378% | 2,773 |
| Net operating income to assets | 0.1723% | 5,782 |
| Return on assets (ROA) | 0.1723% | 5,907 |
| Pretax return on assets | 0.1257% | 6,072 |
| Return on Equity (ROE) | 2.1874% | 5,685 |
| Retained earnings to average equity (ytd only) | 2.1874% | 4,823 |
| Net charge-offs to loans | 1.1708% | 1,444 |
| Credit loss provision to net charge-offs | 66.2577% | 4,176 |
| Earnings coverage of net charge-offs (x) | 0.8528% | 4,284 |
| Efficiency ratio | 86.1760% | 1,775 |
| Assets per employee ($millions) | 3.1350% | 5,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4744% | 4,045 |
| Loan loss allowance to noncurrent loans | 26.8411% | 6,606 |
| Noncurrent assets plus other real estate owned to assets | 5.3035% | 1,181 |
| Noncurrent loans to loans | 5.4930% | 1,278 |
| Net loans and leases to total assets | 53.2895% | 6,117 |
| Net loans and leases to deposits | 60.0583% | 6,463 |
| Net loans and leases to core deposits | 60.8839% | 6,676 |
| Total domestic deposits to total assets | 88.7296% | 1,658 |
| Equity capital to assets | 7.7741% | 6,865 |
| Core capital (leverage) ratio | 7.5473% | 6,805 |
| Tier 1 risk-based capital ratio | 13.7691% | 3,817 |
| Total risk-based capital ratio | 15.0215% | 3,769 |
| Memoranda: | ||
| Average total assets | $197,363,500 | 3,252 |
| Average earning assets | $180,449,000 | 3,243 |
| Average equity | $15,543,500 | 3,911 |
| Average total loans | $111,380,000 | 3,656 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9657% | 6,539 |
| Cost of funding earning assets | 1.4702% | 5,634 |
| Net interest margin | 3.4955% | 4,973 |
| Noninterest income to average assets | 1.2187% | 1,027 |
| Noninterest expense to average assets | 3.6274% | 2,085 |
| Loan and lease loss provision to assets | 1.2066% | 1,908 |
| Net operating income to assets | -0.2013% | 5,841 |
| Return on assets (ROA) | -0.0556% | 5,619 |
| Pretax return on assets | -0.1960% | 5,700 |
| Return on Equity (ROE) | -0.7156% | 5,660 |
| Retained earnings to average equity (ytd only) | -2.9722% | 5,696 |
| Net charge-offs to loans | 1.4526% | 1,729 |
| Credit loss provision to net charge-offs | 147.1271% | 3,202 |
| Earnings coverage of net charge-offs (x) | 0.9548% | 5,159 |
| Efficiency ratio | 82.2460% | 2,568 |
| Assets per employee ($millions) | 3.0326% | 6,140 |
| Cash dividends to net income (ytd only)* | -315.3153% | 7,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4968% | 3,747 |
| Loan loss allowance to noncurrent loans | 92.9348% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 3.3686% | 2,021 |
| Noncurrent loans to loans | 1.6106% | 4,242 |
| Net loans and leases to total assets | 57.9792% | 5,670 |
| Net loans and leases to deposits | 65.6033% | 6,100 |
| Net loans and leases to core deposits | 71.3018% | 6,695 |
| Total domestic deposits to total assets | 88.3784% | 1,781 |
| Equity capital to assets | 7.9804% | 6,604 |
| Core capital (leverage) ratio | 7.5801% | 6,707 |
| Tier 1 risk-based capital ratio | 12.8562% | 4,241 |
| Total risk-based capital ratio | 14.1085% | 4,195 |
| Memoranda: | ||
| Average total assets | $199,482,600 | 3,187 |
| Average earning assets | $182,150,400 | 3,195 |
| Average equity | $15,510,600 | 3,969 |
| Average total loans | $112,628,800 | 3,634 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0450% | 6,462 |
| Cost of funding earning assets | 1.5468% | 5,647 |
| Net interest margin | 3.4982% | 4,871 |
| Noninterest income to average assets | 1.2521% | 985 |
| Noninterest expense to average assets | 3.3918% | 2,603 |
| Loan and lease loss provision to assets | 1.5309% | 1,243 |
| Net operating income to assets | -0.1577% | 5,997 |
| Return on assets (ROA) | 0.0352% | 5,684 |
| Pretax return on assets | -0.1726% | 5,939 |
| Return on Equity (ROE) | 0.4554% | 5,650 |
| Retained earnings to average equity (ytd only) | -2.5607% | 5,832 |
| Net charge-offs to loans | 1.6763% | 1,210 |
| Credit loss provision to net charge-offs | 163.4302% | 2,886 |
| Earnings coverage of net charge-offs (x) | 1.1283% | 4,933 |
| Efficiency ratio | 76.2424% | 3,462 |
| Assets per employee ($millions) | 3.1549% | 5,769 |
| Cash dividends to net income (ytd only)* | 662.3125% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6652% | 2,744 |
| Loan loss allowance to noncurrent loans | 135.3506% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 3.0369% | 2,279 |
| Noncurrent loans to loans | 1.2303% | 4,894 |
| Net loans and leases to total assets | 54.4904% | 6,326 |
| Net loans and leases to deposits | 61.6527% | 6,708 |
| Net loans and leases to core deposits | 66.6117% | 7,135 |
| Total domestic deposits to total assets | 88.3829% | 1,484 |
| Equity capital to assets | 7.8925% | 6,952 |
| Core capital (leverage) ratio | 7.2744% | 7,209 |
| Tier 1 risk-based capital ratio | 13.4659% | 3,878 |
| Total risk-based capital ratio | 14.7205% | 3,809 |
| Memoranda: | ||
| Average total assets | $200,831,500 | 3,196 |
| Average earning assets | $183,516,500 | 3,198 |
| Average equity | $15,516,000 | 4,001 |
| Average total loans | $112,226,000 | 3,679 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1107% | 6,388 |
| Cost of funding earning assets | 1.6184% | 5,673 |
| Net interest margin | 3.4923% | 4,836 |
| Noninterest income to average assets | 1.2435% | 994 |
| Noninterest expense to average assets | 3.3674% | 2,733 |
| Loan and lease loss provision to assets | 2.1854% | 731 |
| Net operating income to assets | -0.5799% | 6,634 |
| Return on assets (ROA) | -0.5012% | 6,559 |
| Pretax return on assets | -0.9994% | 6,816 |
| Return on Equity (ROE) | -6.5334% | 6,763 |
| Retained earnings to average equity (ytd only) | -10.4146% | 6,917 |
| Net charge-offs to loans | 2.2724% | 787 |
| Credit loss provision to net charge-offs | 171.6290% | 2,678 |
| Earnings coverage of net charge-offs (x) | 0.8348% | 4,913 |
| Efficiency ratio | 76.0081% | 3,684 |
| Assets per employee ($millions) | 3.2792% | 5,373 |
| Cash dividends to net income (ytd only)* | -59.4059% | 8,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6616% | 2,484 |
| Loan loss allowance to noncurrent loans | 109.4873% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 2.9677% | 2,145 |
| Noncurrent loans to loans | 1.5176% | 4,218 |
| Net loans and leases to total assets | 53.2269% | 6,545 |
| Net loans and leases to deposits | 61.4907% | 6,777 |
| Net loans and leases to core deposits | 66.4303% | 7,193 |
| Total domestic deposits to total assets | 86.5609% | 2,479 |
| Equity capital to assets | 7.3788% | 7,366 |
| Core capital (leverage) ratio | 7.0108% | 7,531 |
| Tier 1 risk-based capital ratio | 12.6778% | 4,371 |
| Total risk-based capital ratio | 13.9325% | 4,285 |
| Memoranda: | ||
| Average total assets | $201,522,670 | 3,205 |
| Average earning assets | $183,888,670 | 3,214 |
| Average equity | $15,459,000 | 4,024 |
| Average total loans | $112,922,000 | 3,703 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2089% | 6,258 |
| Cost of funding earning assets | 1.7319% | 5,467 |
| Net interest margin | 3.4770% | 4,820 |
| Noninterest income to average assets | 1.0533% | 1,334 |
| Noninterest expense to average assets | 3.3489% | 2,501 |
| Loan and lease loss provision to assets | 4.3299% | 209 |
| Net operating income to assets | -1.9760% | 7,655 |
| Return on assets (ROA) | -1.9760% | 7,653 |
| Pretax return on assets | -3.4615% | 7,830 |
| Return on Equity (ROE) | -25.2594% | 7,849 |
| Retained earnings to average equity (ytd only) | -32.9682% | 7,886 |
| Net charge-offs to loans | 4.3535% | 267 |
| Credit loss provision to net charge-offs | 174.4130% | 2,472 |
| Earnings coverage of net charge-offs (x) | 0.3498% | 4,693 |
| Efficiency ratio | 79.4090% | 2,924 |
| Assets per employee ($millions) | 3.2126% | 5,562 |
| Cash dividends to net income (ytd only)* | -30.5188% | 8,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6267% | 2,415 |
| Loan loss allowance to noncurrent loans | 109.4229% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 3.0104% | 1,875 |
| Noncurrent loans to loans | 1.4866% | 4,062 |
| Net loans and leases to total assets | 55.5169% | 6,305 |
| Net loans and leases to deposits | 64.3054% | 6,531 |
| Net loans and leases to core deposits | 69.6593% | 7,040 |
| Total domestic deposits to total assets | 86.3332% | 2,532 |
| Equity capital to assets | 7.3870% | 7,429 |
| Core capital (leverage) ratio | 6.9357% | 7,674 |
| Tier 1 risk-based capital ratio | 11.9629% | 4,991 |
| Total risk-based capital ratio | 13.2136% | 4,893 |
| Memoranda: | ||
| Average total assets | $198,988,500 | 3,257 |
| Average earning assets | $181,075,000 | 3,264 |
| Average equity | $15,566,500 | 4,027 |
| Average total loans | $113,473,000 | 3,709 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1493% | 4,780 |
| Cost of funding earning assets | 2.2618% | 5,332 |
| Net interest margin | 3.8875% | 3,628 |
| Noninterest income to average assets | 1.0820% | 1,347 |
| Noninterest expense to average assets | 3.9277% | 1,519 |
| Loan and lease loss provision to assets | 0.1583% | 5,344 |
| Net operating income to assets | 0.4058% | 5,128 |
| Return on assets (ROA) | 0.4058% | 4,944 |
| Pretax return on assets | 0.5000% | 4,975 |
| Return on Equity (ROE) | 5.0603% | 4,359 |
| Retained earnings to average equity (ytd only) | 0.9905% | 4,635 |
| Net charge-offs to loans | 0.2438% | 3,826 |
| Credit loss provision to net charge-offs | 113.5036% | 4,754 |
| Earnings coverage of net charge-offs (x) | 4.7190% | 3,887 |
| Efficiency ratio | 85.6445% | 1,893 |
| Assets per employee ($millions) | 3.0560% | 5,917 |
| Cash dividends to net income (ytd only)* | 80.4266% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8330% | 6,965 |
| Loan loss allowance to noncurrent loans | 29.5748% | 6,733 |
| Noncurrent assets plus other real estate owned to assets | 3.5198% | 1,264 |
| Noncurrent loans to loans | 2.8166% | 1,926 |
| Net loans and leases to total assets | 57.1553% | 6,314 |
| Net loans and leases to deposits | 67.0999% | 6,546 |
| Net loans and leases to core deposits | 74.4692% | 6,941 |
| Total domestic deposits to total assets | 85.1795% | 2,761 |
| Equity capital to assets | 8.2738% | 6,454 |
| Core capital (leverage) ratio | 7.8186% | 6,774 |
| Tier 1 risk-based capital ratio | 13.7153% | 3,685 |
| Total risk-based capital ratio | 14.5464% | 3,844 |
| Memoranda: | ||
| Average total assets | $196,402,000 | 3,185 |
| Average earning assets | $177,027,200 | 3,227 |
| Average equity | $15,750,000 | 3,984 |
| Average total loans | $112,405,200 | 3,627 |