Home > Royal Business Bank > Performance and Condition Ratios
Royal Business Bank, 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 | 5.9176% | 705 |
| Cost of funding earning assets | 2.4623% | 398 |
| Net interest margin | 3.4553% | 2,291 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 1.7258% | 4,106 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.2518% | 1,535 |
| Return on assets (ROA) | 1.2518% | 1,509 |
| Pretax return on assets | 1.7803% | 913 |
| Return on Equity (ROE) | 8.2600% | 2,954 |
| Retained earnings to average equity (ytd only) | -5.6338% | 4,403 |
| Net charge-offs to loans | 0.0952% | 938 |
| Credit loss provision to net charge-offs | 127.0970% | 1,617 |
| Earnings coverage of net charge-offs (x) | 24.6452% | 1,754 |
| Efficiency ratio | 47.4436% | 4,118 |
| Assets per employee ($millions) | 10.6907% | 584 |
| Cash dividends to net income (ytd only)* | 168.2402% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3812% | 1,455 |
| Loan loss allowance to noncurrent loans | 132.4661% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.7870% | 652 |
| Noncurrent loans to loans | 1.0427% | 709 |
| Net loans and leases to total assets | 74.4300% | 1,300 |
| Net loans and leases to deposits | 92.7674% | 1,032 |
| Net loans and leases to core deposits | 138.6022% | 292 |
| Total domestic deposits to total assets | 80.2300% | 3,426 |
| Equity capital to assets | 14.6759% | 582 |
| Core capital (leverage) ratio | 13.6154% | 882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6713% | 441 |
| Memoranda: | ||
| Average total assets | $4,036,155,800 | 318 |
| Average earning assets | $3,732,898,000 | 306 |
| Average equity | $611,964,000 | 230 |
| Average total loans | $3,205,681,200 | 287 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9285% | 579 |
| Cost of funding earning assets | 2.3218% | 389 |
| Net interest margin | 3.6067% | 1,993 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 1.7612% | 4,044 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.3246% | 1,485 |
| Return on assets (ROA) | 1.3246% | 1,466 |
| Pretax return on assets | 1.8846% | 882 |
| Return on Equity (ROE) | 8.6500% | 3,021 |
| Retained earnings to average equity (ytd only) | -1.0481% | 4,257 |
| Net charge-offs to loans | 0.1207% | 669 |
| Credit loss provision to net charge-offs | 146.0231% | 1,343 |
| Earnings coverage of net charge-offs (x) | 20.7009% | 1,798 |
| Efficiency ratio | 46.0843% | 4,130 |
| Assets per employee ($millions) | 10.7017% | 547 |
| Cash dividends to net income (ytd only)* | 112.1104% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3595% | 1,621 |
| Loan loss allowance to noncurrent loans | 105.6051% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.9950% | 527 |
| Noncurrent loans to loans | 1.2873% | 590 |
| Net loans and leases to total assets | 75.7000% | 1,153 |
| Net loans and leases to deposits | 95.3609% | 792 |
| Net loans and leases to core deposits | 141.7523% | 203 |
| Total domestic deposits to total assets | 79.3900% | 3,624 |
| Equity capital to assets | 15.0778% | 532 |
| Core capital (leverage) ratio | 14.0737% | 809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2241% | 474 |
| Memoranda: | ||
| Average total assets | $4,040,272,000 | 320 |
| Average earning assets | $3,734,787,500 | 310 |
| Average equity | $618,346,000 | 228 |
| Average total loans | $3,248,658,500 | 285 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9136% | 494 |
| Cost of funding earning assets | 2.1248% | 396 |
| Net interest margin | 3.7888% | 1,651 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 1.8256% | 3,949 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.2852% | 1,607 |
| Return on assets (ROA) | 1.2852% | 1,594 |
| Pretax return on assets | 1.8257% | 962 |
| Return on Equity (ROE) | 8.3600% | 3,150 |
| Retained earnings to average equity (ytd only) | -6.1586% | 4,454 |
| Net charge-offs to loans | 0.0448% | 1,059 |
| Credit loss provision to net charge-offs | 373.0352% | 761 |
| Earnings coverage of net charge-offs (x) | 53.1111% | 1,254 |
| Efficiency ratio | 47.8025% | 4,077 |
| Assets per employee ($millions) | 11.0371% | 508 |
| Cash dividends to net income (ytd only)* | 173.7049% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3481% | 1,724 |
| Loan loss allowance to noncurrent loans | 103.4796% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 1.0367% | 434 |
| Noncurrent loans to loans | 1.3027% | 544 |
| Net loans and leases to total assets | 77.4300% | 896 |
| Net loans and leases to deposits | 96.8547% | 678 |
| Net loans and leases to core deposits | 145.2961% | 166 |
| Total domestic deposits to total assets | 79.9400% | 3,585 |
| Equity capital to assets | 14.7848% | 544 |
| Core capital (leverage) ratio | 13.7864% | 812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0227% | 552 |
| Memoranda: | ||
| Average total assets | $4,031,486,667 | 310 |
| Average earning assets | $3,731,330,667 | 299 |
| Average equity | $620,074,667 | 226 |
| Average total loans | $3,291,206,667 | 266 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7901% | 424 |
| Cost of funding earning assets | 1.8449% | 415 |
| Net interest margin | 3.9453% | 1,376 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 1.8712% | 3,913 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 1.2931% | 1,690 |
| Return on assets (ROA) | 1.2931% | 1,666 |
| Pretax return on assets | 1.8361% | 1,012 |
| Return on Equity (ROE) | 8.2400% | 3,233 |
| Retained earnings to average equity (ytd only) | 8.2449% | 2,152 |
| Net charge-offs to loans | 0.0189% | 1,297 |
| Credit loss provision to net charge-offs | 1,362.0253% | 295 |
| Earnings coverage of net charge-offs (x) | 129.2658% | 668 |
| Efficiency ratio | 47.2759% | 4,138 |
| Assets per employee ($millions) | 11.3119% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2890% | 2,085 |
| Loan loss allowance to noncurrent loans | 170.4028% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.6296% | 800 |
| Noncurrent loans to loans | 0.7564% | 1,016 |
| Net loans and leases to total assets | 80.3300% | 507 |
| Net loans and leases to deposits | 103.3815% | 319 |
| Net loans and leases to core deposits | 158.4591% | 94 |
| Total domestic deposits to total assets | 77.7000% | 4,029 |
| Equity capital to assets | 15.5027% | 440 |
| Core capital (leverage) ratio | 14.8628% | 595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8822% | 510 |
| Memoranda: | ||
| Average total assets | $4,010,878,000 | 320 |
| Average earning assets | $3,710,178,000 | 310 |
| Average equity | $629,042,000 | 228 |
| Average total loans | $3,338,535,000 | 271 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8761% | 376 |
| Cost of funding earning assets | 0.5871% | 954 |
| Net interest margin | 4.2890% | 437 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 1.5502% | 4,367 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.8073% | 436 |
| Return on assets (ROA) | 1.8073% | 421 |
| Pretax return on assets | 2.5711% | 195 |
| Return on Equity (ROE) | 12.2000% | 2,075 |
| Retained earnings to average equity (ytd only) | 12.2007% | 630 |
| Net charge-offs to loans | -0.0001% | 3,264 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 35.6541% | 4,605 |
| Assets per employee ($millions) | 10.3312% | 607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 2,243 |
| Loan loss allowance to noncurrent loans | 396.3431% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.2794% | 1,755 |
| Noncurrent loans to loans | 0.3107% | 2,034 |
| Net loans and leases to total assets | 84.1400% | 246 |
| Net loans and leases to deposits | 108.9663% | 176 |
| Net loans and leases to core deposits | 161.3212% | 69 |
| Total domestic deposits to total assets | 77.2200% | 4,152 |
| Equity capital to assets | 15.8729% | 395 |
| Core capital (leverage) ratio | 14.8874% | 586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3985% | 522 |
| Memoranda: | ||
| Average total assets | $4,002,652,600 | 315 |
| Average earning assets | $3,708,199,400 | 309 |
| Average equity | $592,916,600 | 238 |
| Average total loans | $3,216,058,000 | 270 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5811% | 439 |
| Cost of funding earning assets | 0.3788% | 1,453 |
| Net interest margin | 4.2023% | 417 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 1.6392% | 4,257 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.7452% | 480 |
| Return on assets (ROA) | 1.7452% | 467 |
| Pretax return on assets | 2.4716% | 219 |
| Return on Equity (ROE) | 11.9900% | 2,035 |
| Retained earnings to average equity (ytd only) | 11.9901% | 793 |
| Net charge-offs to loans | -0.0037% | 3,405 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 38.2646% | 4,610 |
| Assets per employee ($millions) | 10.2082% | 615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1053% | 2,991 |
| Loan loss allowance to noncurrent loans | 346.6058% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.2742% | 1,851 |
| Noncurrent loans to loans | 0.3189% | 2,099 |
| Net loans and leases to total assets | 82.7100% | 338 |
| Net loans and leases to deposits | 106.9902% | 175 |
| Net loans and leases to core deposits | 136.8814% | 115 |
| Total domestic deposits to total assets | 77.3000% | 4,305 |
| Equity capital to assets | 15.4643% | 415 |
| Core capital (leverage) ratio | 14.5695% | 603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6662% | 590 |
| Memoranda: | ||
| Average total assets | $4,024,433,250 | 312 |
| Average earning assets | $3,732,380,500 | 306 |
| Average equity | $585,768,750 | 243 |
| Average total loans | $3,186,183,750 | 269 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3341% | 505 |
| Cost of funding earning assets | 0.2963% | 1,751 |
| Net interest margin | 4.0378% | 457 |
| Noninterest income to average assets | 0.3333% | 3,161 |
| Noninterest expense to average assets | 1.6252% | 4,273 |
| Loan and lease loss provision to assets | 0.0631% | 1,467 |
| Net operating income to assets | 1.6752% | 453 |
| Return on assets (ROA) | 1.6752% | 448 |
| Pretax return on assets | 2.3960% | 190 |
| Return on Equity (ROE) | 11.7435% | 1,745 |
| Retained earnings to average equity (ytd only) | 11.7435% | 650 |
| Net charge-offs to loans | 0.0025% | 2,006 |
| Credit loss provision to net charge-offs | 3,287.1795% | 161 |
| Earnings coverage of net charge-offs (x) | 1,281.8718% | 96 |
| Efficiency ratio | 39.1225% | 4,633 |
| Assets per employee ($millions) | 10.5701% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 3,215 |
| Loan loss allowance to noncurrent loans | 273.3056% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 1,713 |
| Noncurrent loans to loans | 0.3974% | 1,939 |
| Net loans and leases to total assets | 78.4825% | 522 |
| Net loans and leases to deposits | 100.8532% | 244 |
| Net loans and leases to core deposits | 124.7164% | 150 |
| Total domestic deposits to total assets | 77.8185% | 4,363 |
| Equity capital to assets | 14.9078% | 413 |
| Core capital (leverage) ratio | 13.8988% | 649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7638% | 638 |
| Memoranda: | ||
| Average total assets | $4,066,073,000 | 309 |
| Average earning assets | $3,777,159,333 | 306 |
| Average equity | $580,014,667 | 246 |
| Average total loans | $3,161,180,333 | 269 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1264% | 608 |
| Cost of funding earning assets | 0.2846% | 1,778 |
| Net interest margin | 3.8418% | 582 |
| Noninterest income to average assets | 0.3058% | 3,275 |
| Noninterest expense to average assets | 1.5465% | 4,369 |
| Loan and lease loss provision to assets | 0.0356% | 1,720 |
| Net operating income to assets | 1.5997% | 509 |
| Return on assets (ROA) | 1.5997% | 508 |
| Pretax return on assets | 2.3003% | 227 |
| Return on Equity (ROE) | 11.4633% | 1,472 |
| Retained earnings to average equity (ytd only) | 11.4633% | 692 |
| Net charge-offs to loans | -0.0018% | 3,087 |
| Credit loss provision to net charge-offs | -2,614.2857% | 3,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.1357% | 4,659 |
| Assets per employee ($millions) | 11.2379% | 476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 3,572 |
| Loan loss allowance to noncurrent loans | 173.2965% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.4862% | 1,241 |
| Noncurrent loans to loans | 0.5986% | 1,565 |
| Net loans and leases to total assets | 79.1601% | 282 |
| Net loans and leases to deposits | 98.0316% | 228 |
| Net loans and leases to core deposits | 118.2199% | 162 |
| Total domestic deposits to total assets | 80.7496% | 4,222 |
| Equity capital to assets | 14.4219% | 460 |
| Core capital (leverage) ratio | 12.2871% | 976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3652% | 847 |
| Memoranda: | ||
| Average total assets | $4,117,216,500 | 311 |
| Average earning assets | $3,832,901,500 | 306 |
| Average equity | $574,566,000 | 249 |
| Average total loans | $3,169,254,000 | 266 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1814% | 1,023 |
| Cost of funding earning assets | 0.3904% | 1,609 |
| Net interest margin | 3.7910% | 1,029 |
| Noninterest income to average assets | 0.5291% | 2,448 |
| Noninterest expense to average assets | 1.5328% | 4,502 |
| Loan and lease loss provision to assets | 0.1046% | 1,208 |
| Net operating income to assets | 1.6945% | 637 |
| Return on assets (ROA) | 1.6945% | 663 |
| Pretax return on assets | 2.4133% | 293 |
| Return on Equity (ROE) | 11.8077% | 1,875 |
| Retained earnings to average equity (ytd only) | 7.2032% | 1,840 |
| Net charge-offs to loans | 0.0131% | 2,069 |
| Credit loss provision to net charge-offs | 1,030.9896% | 522 |
| Earnings coverage of net charge-offs (x) | 248.0807% | 466 |
| Efficiency ratio | 37.1087% | 4,737 |
| Assets per employee ($millions) | 11.5679% | 443 |
| Cash dividends to net income (ytd only)* | 38.9961% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0517% | 3,567 |
| Loan loss allowance to noncurrent loans | 170.5727% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.4639% | 1,420 |
| Noncurrent loans to loans | 0.6166% | 1,604 |
| Net loans and leases to total assets | 73.3364% | 720 |
| Net loans and leases to deposits | 89.3630% | 587 |
| Net loans and leases to core deposits | 107.3616% | 338 |
| Total domestic deposits to total assets | 82.0657% | 3,958 |
| Equity capital to assets | 13.5070% | 763 |
| Core capital (leverage) ratio | 12.4506% | 949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0455% | 751 |
| Memoranda: | ||
| Average total assets | $3,783,334,400 | 315 |
| Average earning assets | $3,514,585,800 | 311 |
| Average equity | $542,941,400 | 259 |
| Average total loans | $2,920,617,000 | 275 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2461% | 1,033 |
| Cost of funding earning assets | 0.4243% | 1,528 |
| Net interest margin | 3.8219% | 1,074 |
| Noninterest income to average assets | 0.6071% | 2,188 |
| Noninterest expense to average assets | 1.6261% | 4,433 |
| Loan and lease loss provision to assets | 0.1206% | 977 |
| Net operating income to assets | 1.6921% | 844 |
| Return on assets (ROA) | 1.6921% | 887 |
| Pretax return on assets | 2.4062% | 390 |
| Return on Equity (ROE) | 11.5948% | 2,181 |
| Retained earnings to average equity (ytd only) | 5.3772% | 3,074 |
| Net charge-offs to loans | 0.0200% | 1,649 |
| Credit loss provision to net charge-offs | 773.0233% | 602 |
| Earnings coverage of net charge-offs (x) | 161.9070% | 639 |
| Efficiency ratio | 38.3967% | 4,757 |
| Assets per employee ($millions) | 10.2333% | 602 |
| Cash dividends to net income (ytd only)* | 53.6239% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 3,600 |
| Loan loss allowance to noncurrent loans | 251.9622% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.3447% | 2,062 |
| Noncurrent loans to loans | 0.4229% | 2,299 |
| Net loans and leases to total assets | 78.8180% | 356 |
| Net loans and leases to deposits | 98.0025% | 274 |
| Net loans and leases to core deposits | 121.9590% | 168 |
| Total domestic deposits to total assets | 80.4245% | 4,176 |
| Equity capital to assets | 14.5849% | 623 |
| Core capital (leverage) ratio | 12.4239% | 1,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8882% | 834 |
| Memoranda: | ||
| Average total assets | $3,673,599,250 | 321 |
| Average earning assets | $3,408,264,500 | 314 |
| Average equity | $536,101,000 | 260 |
| Average total loans | $2,868,427,500 | 281 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2389% | 1,112 |
| Cost of funding earning assets | 0.4542% | 1,495 |
| Net interest margin | 3.7847% | 1,164 |
| Noninterest income to average assets | 0.5822% | 2,289 |
| Noninterest expense to average assets | 1.6630% | 4,418 |
| Loan and lease loss provision to assets | 0.1172% | 1,080 |
| Net operating income to assets | 1.6150% | 1,023 |
| Return on assets (ROA) | 1.6150% | 1,076 |
| Pretax return on assets | 2.3148% | 469 |
| Return on Equity (ROE) | 11.0647% | 2,403 |
| Retained earnings to average equity (ytd only) | 1.6348% | 4,204 |
| Net charge-offs to loans | 0.0080% | 1,842 |
| Credit loss provision to net charge-offs | 1,883.1858% | 306 |
| Earnings coverage of net charge-offs (x) | 390.9027% | 314 |
| Efficiency ratio | 39.8201% | 4,752 |
| Assets per employee ($millions) | 10.5293% | 521 |
| Cash dividends to net income (ytd only)* | 85.2253% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1088% | 3,375 |
| Loan loss allowance to noncurrent loans | 176.7106% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.4642% | 1,801 |
| Noncurrent loans to loans | 0.6275% | 1,843 |
| Net loans and leases to total assets | 71.9669% | 974 |
| Net loans and leases to deposits | 88.5216% | 747 |
| Net loans and leases to core deposits | 110.5881% | 345 |
| Total domestic deposits to total assets | 81.2987% | 4,045 |
| Equity capital to assets | 13.8180% | 754 |
| Core capital (leverage) ratio | 12.3357% | 972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8313% | 832 |
| Memoranda: | ||
| Average total assets | $3,632,613,333 | 322 |
| Average earning assets | $3,371,540,333 | 315 |
| Average equity | $530,226,667 | 262 |
| Average total loans | $2,816,369,667 | 284 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3653% | 946 |
| Cost of funding earning assets | 0.5037% | 1,371 |
| Net interest margin | 3.8616% | 1,045 |
| Noninterest income to average assets | 0.6924% | 1,890 |
| Noninterest expense to average assets | 1.7886% | 4,234 |
| Loan and lease loss provision to assets | 0.1711% | 728 |
| Net operating income to assets | 1.5970% | 1,137 |
| Return on assets (ROA) | 1.5970% | 1,187 |
| Pretax return on assets | 2.3168% | 576 |
| Return on Equity (ROE) | 10.6274% | 2,489 |
| Retained earnings to average equity (ytd only) | -8.3514% | 4,791 |
| Net charge-offs to loans | 0.0060% | 1,686 |
| Credit loss provision to net charge-offs | 3,571.4286% | 158 |
| Earnings coverage of net charge-offs (x) | 519.2381% | 183 |
| Efficiency ratio | 41.0206% | 4,710 |
| Assets per employee ($millions) | 10.0086% | 588 |
| Cash dividends to net income (ytd only)* | 178.5842% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0963% | 3,455 |
| Loan loss allowance to noncurrent loans | 167.7927% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.5090% | 1,861 |
| Noncurrent loans to loans | 0.6534% | 1,936 |
| Net loans and leases to total assets | 75.8387% | 641 |
| Net loans and leases to deposits | 94.4478% | 472 |
| Net loans and leases to core deposits | 119.1883% | 251 |
| Total domestic deposits to total assets | 80.2969% | 4,163 |
| Equity capital to assets | 14.2201% | 624 |
| Core capital (leverage) ratio | 13.4371% | 753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2110% | 893 |
| Memoranda: | ||
| Average total assets | $3,506,261,500 | 330 |
| Average earning assets | $3,254,264,500 | 325 |
| Average equity | $526,903,000 | 260 |
| Average total loans | $2,810,807,500 | 284 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7656% | 778 |
| Cost of funding earning assets | 0.9149% | 816 |
| Net interest margin | 3.8507% | 1,353 |
| Noninterest income to average assets | 0.4629% | 2,803 |
| Noninterest expense to average assets | 1.8713% | 4,363 |
| Loan and lease loss provision to assets | 0.3752% | 872 |
| Net operating income to assets | 1.2343% | 1,432 |
| Return on assets (ROA) | 1.2396% | 1,526 |
| Pretax return on assets | 1.7881% | 700 |
| Return on Equity (ROE) | 7.6739% | 2,934 |
| Retained earnings to average equity (ytd only) | 2.7614% | 3,480 |
| Net charge-offs to loans | 0.0493% | 2,090 |
| Credit loss provision to net charge-offs | 907.9877% | 828 |
| Earnings coverage of net charge-offs (x) | 52.1874% | 1,159 |
| Efficiency ratio | 45.0313% | 4,756 |
| Assets per employee ($millions) | 9.1513% | 701 |
| Cash dividends to net income (ytd only)* | 64.0156% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 3,707 |
| Loan loss allowance to noncurrent loans | 163.1556% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.5456% | 1,916 |
| Noncurrent loans to loans | 0.6393% | 2,086 |
| Net loans and leases to total assets | 83.1021% | 225 |
| Net loans and leases to deposits | 105.2704% | 238 |
| Net loans and leases to core deposits | 137.2005% | 142 |
| Total domestic deposits to total assets | 78.9415% | 4,207 |
| Equity capital to assets | 15.9105% | 435 |
| Core capital (leverage) ratio | 14.1123% | 665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1898% | 751 |
| Memoranda: | ||
| Average total assets | $3,150,576,800 | 329 |
| Average earning assets | $2,916,925,200 | 322 |
| Average equity | $508,906,800 | 254 |
| Average total loans | $2,640,615,000 | 290 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7961% | 882 |
| Cost of funding earning assets | 1.0042% | 752 |
| Net interest margin | 3.7919% | 1,639 |
| Noninterest income to average assets | 0.4273% | 2,950 |
| Noninterest expense to average assets | 1.9185% | 4,295 |
| Loan and lease loss provision to assets | 0.3790% | 970 |
| Net operating income to assets | 1.1295% | 1,880 |
| Return on assets (ROA) | 1.1366% | 1,980 |
| Pretax return on assets | 1.6461% | 1,075 |
| Return on Equity (ROE) | 7.0084% | 3,197 |
| Retained earnings to average equity (ytd only) | 0.3804% | 4,411 |
| Net charge-offs to loans | 0.0512% | 1,877 |
| Credit loss provision to net charge-offs | 884.1525% | 915 |
| Earnings coverage of net charge-offs (x) | 47.0311% | 1,237 |
| Efficiency ratio | 47.1347% | 4,655 |
| Assets per employee ($millions) | 9.8474% | 532 |
| Cash dividends to net income (ytd only)* | 94.5716% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9395% | 3,935 |
| Loan loss allowance to noncurrent loans | 162.6107% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.4965% | 2,220 |
| Noncurrent loans to loans | 0.5777% | 2,357 |
| Net loans and leases to total assets | 83.6342% | 311 |
| Net loans and leases to deposits | 106.8601% | 303 |
| Net loans and leases to core deposits | 139.7185% | 165 |
| Total domestic deposits to total assets | 78.2652% | 4,155 |
| Equity capital to assets | 15.4851% | 541 |
| Core capital (leverage) ratio | 14.1572% | 680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2624% | 873 |
| Memoranda: | ||
| Average total assets | $3,100,879,250 | 326 |
| Average earning assets | $2,868,285,750 | 319 |
| Average equity | $502,908,500 | 255 |
| Average total loans | $2,597,586,000 | 292 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8913% | 991 |
| Cost of funding earning assets | 1.1233% | 664 |
| Net interest margin | 3.7680% | 1,927 |
| Noninterest income to average assets | 0.4696% | 2,713 |
| Noninterest expense to average assets | 2.0444% | 4,142 |
| Loan and lease loss provision to assets | 0.3286% | 1,299 |
| Net operating income to assets | 1.0783% | 2,042 |
| Return on assets (ROA) | 1.0866% | 2,135 |
| Pretax return on assets | 1.5856% | 1,260 |
| Return on Equity (ROE) | 6.5891% | 3,294 |
| Retained earnings to average equity (ytd only) | -3.4669% | 4,690 |
| Net charge-offs to loans | 0.0754% | 1,498 |
| Credit loss provision to net charge-offs | 521.4737% | 1,197 |
| Earnings coverage of net charge-offs (x) | 30.2116% | 1,431 |
| Efficiency ratio | 49.9647% | 4,510 |
| Assets per employee ($millions) | 8.9827% | 682 |
| Cash dividends to net income (ytd only)* | 152.6158% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8559% | 4,167 |
| Loan loss allowance to noncurrent loans | 148.2781% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.5003% | 2,336 |
| Noncurrent loans to loans | 0.5772% | 2,418 |
| Net loans and leases to total assets | 84.3164% | 228 |
| Net loans and leases to deposits | 107.7701% | 275 |
| Net loans and leases to core deposits | 139.9793% | 168 |
| Total domestic deposits to total assets | 78.2373% | 4,158 |
| Equity capital to assets | 16.2642% | 437 |
| Core capital (leverage) ratio | 14.1389% | 721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1274% | 760 |
| Memoranda: | ||
| Average total assets | $3,015,184,333 | 330 |
| Average earning assets | $2,783,576,000 | 323 |
| Average equity | $497,217,000 | 258 |
| Average total loans | $2,518,434,333 | 297 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9944% | 983 |
| Cost of funding earning assets | 1.2453% | 664 |
| Net interest margin | 3.7491% | 2,146 |
| Noninterest income to average assets | 0.6455% | 1,844 |
| Noninterest expense to average assets | 2.1904% | 4,028 |
| Loan and lease loss provision to assets | 0.2633% | 1,184 |
| Net operating income to assets | 1.1164% | 1,797 |
| Return on assets (ROA) | 1.1164% | 1,891 |
| Pretax return on assets | 1.6465% | 963 |
| Return on Equity (ROE) | 6.7209% | 3,057 |
| Retained earnings to average equity (ytd only) | 6.7209% | 1,639 |
| Net charge-offs to loans | 0.1031% | 1,060 |
| Credit loss provision to net charge-offs | 308.7302% | 1,155 |
| Earnings coverage of net charge-offs (x) | 22.3968% | 1,359 |
| Efficiency ratio | 52.2431% | 4,540 |
| Assets per employee ($millions) | 8.2082% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7994% | 4,416 |
| Loan loss allowance to noncurrent loans | 108.3598% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.6034% | 2,192 |
| Noncurrent loans to loans | 0.7377% | 2,157 |
| Net loans and leases to total assets | 79.8752% | 711 |
| Net loans and leases to deposits | 101.6588% | 455 |
| Net loans and leases to core deposits | 139.2921% | 175 |
| Total domestic deposits to total assets | 78.5718% | 4,129 |
| Equity capital to assets | 16.0247% | 578 |
| Core capital (leverage) ratio | 14.4436% | 808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7685% | 771 |
| Memoranda: | ||
| Average total assets | $2,955,299,500 | 328 |
| Average earning assets | $2,723,232,500 | 324 |
| Average equity | $490,888,000 | 260 |
| Average total loans | $2,444,601,000 | 298 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3336% | 771 |
| Cost of funding earning assets | 1.3998% | 567 |
| Net interest margin | 3.9338% | 2,054 |
| Noninterest income to average assets | 0.6642% | 1,946 |
| Noninterest expense to average assets | 1.9832% | 4,556 |
| Loan and lease loss provision to assets | 0.0833% | 2,342 |
| Net operating income to assets | 1.5797% | 875 |
| Return on assets (ROA) | 1.5799% | 934 |
| Pretax return on assets | 2.2382% | 356 |
| Return on Equity (ROE) | 9.9127% | 2,337 |
| Retained earnings to average equity (ytd only) | 9.9127% | 509 |
| Net charge-offs to loans | 0.0471% | 2,447 |
| Credit loss provision to net charge-offs | 207.4653% | 1,279 |
| Earnings coverage of net charge-offs (x) | 57.8073% | 1,005 |
| Efficiency ratio | 44.8583% | 4,949 |
| Assets per employee ($millions) | 7.8402% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7935% | 4,323 |
| Loan loss allowance to noncurrent loans | 161.0184% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.4304% | 2,669 |
| Noncurrent loans to loans | 0.4928% | 2,707 |
| Net loans and leases to total assets | 84.5156% | 277 |
| Net loans and leases to deposits | 102.9572% | 419 |
| Net loans and leases to core deposits | 145.1798% | 147 |
| Total domestic deposits to total assets | 82.0880% | 3,489 |
| Equity capital to assets | 17.2685% | 435 |
| Core capital (leverage) ratio | 15.2272% | 644 |
| Tier 1 risk-based capital ratio | 20.8737% | 1,184 |
| Total risk-based capital ratio | 21.8568% | 1,203 |
| Memoranda: | ||
| Average total assets | $2,868,927,000 | 324 |
| Average earning assets | $2,654,888,600 | 321 |
| Average equity | $457,243,800 | 263 |
| Average total loans | $2,446,794,200 | 287 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3655% | 753 |
| Cost of funding earning assets | 1.4093% | 562 |
| Net interest margin | 3.9562% | 2,084 |
| Noninterest income to average assets | 0.5987% | 2,209 |
| Noninterest expense to average assets | 2.0129% | 4,525 |
| Loan and lease loss provision to assets | 0.0799% | 2,311 |
| Net operating income to assets | 1.5261% | 1,119 |
| Return on assets (ROA) | 1.5314% | 1,161 |
| Pretax return on assets | 2.1766% | 471 |
| Return on Equity (ROE) | 9.8058% | 2,513 |
| Retained earnings to average equity (ytd only) | 9.8058% | 801 |
| Net charge-offs to loans | -0.0043% | 4,166 |
| Credit loss provision to net charge-offs | -2,191.1392% | 4,539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9710% | 4,938 |
| Assets per employee ($millions) | 7.8214% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7973% | 4,416 |
| Loan loss allowance to noncurrent loans | 282.1158% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.2891% | 3,396 |
| Noncurrent loans to loans | 0.2826% | 3,524 |
| Net loans and leases to total assets | 85.6655% | 210 |
| Net loans and leases to deposits | 105.1826% | 353 |
| Net loans and leases to core deposits | 152.6748% | 115 |
| Total domestic deposits to total assets | 81.4445% | 3,628 |
| Equity capital to assets | 16.6371% | 534 |
| Core capital (leverage) ratio | 14.9754% | 742 |
| Tier 1 risk-based capital ratio | 20.5283% | 1,279 |
| Total risk-based capital ratio | 21.5428% | 1,287 |
| Memoranda: | ||
| Average total assets | $2,890,337,750 | 326 |
| Average earning assets | $2,676,792,500 | 319 |
| Average equity | $451,396,750 | 270 |
| Average total loans | $2,465,712,000 | 289 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4100% | 665 |
| Cost of funding earning assets | 1.4108% | 517 |
| Net interest margin | 3.9992% | 1,925 |
| Noninterest income to average assets | 0.6844% | 1,781 |
| Noninterest expense to average assets | 2.0582% | 4,498 |
| Loan and lease loss provision to assets | 0.0622% | 2,575 |
| Net operating income to assets | 1.6112% | 882 |
| Return on assets (ROA) | 1.6192% | 908 |
| Pretax return on assets | 2.2804% | 374 |
| Return on Equity (ROE) | 10.5902% | 2,142 |
| Retained earnings to average equity (ytd only) | 10.5902% | 622 |
| Net charge-offs to loans | -0.0062% | 4,185 |
| Credit loss provision to net charge-offs | -1,177.9221% | 4,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6679% | 5,003 |
| Assets per employee ($millions) | 7.5224% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7861% | 4,487 |
| Loan loss allowance to noncurrent loans | 532.5968% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.1987% | 3,779 |
| Noncurrent loans to loans | 0.1476% | 4,025 |
| Net loans and leases to total assets | 83.7094% | 384 |
| Net loans and leases to deposits | 102.7099% | 495 |
| Net loans and leases to core deposits | 151.3256% | 126 |
| Total domestic deposits to total assets | 81.5008% | 3,668 |
| Equity capital to assets | 16.3800% | 555 |
| Core capital (leverage) ratio | 14.1765% | 911 |
| Tier 1 risk-based capital ratio | 20.3113% | 1,289 |
| Total risk-based capital ratio | 21.2979% | 1,314 |
| Memoranda: | ||
| Average total assets | $2,915,215,330 | 326 |
| Average earning assets | $2,701,686,000 | 321 |
| Average equity | $445,712,000 | 269 |
| Average total loans | $2,477,124,670 | 291 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3875% | 652 |
| Cost of funding earning assets | 1.3568% | 538 |
| Net interest margin | 4.0308% | 1,753 |
| Noninterest income to average assets | 0.5685% | 2,191 |
| Noninterest expense to average assets | 2.0481% | 4,561 |
| Loan and lease loss provision to assets | 0.0740% | 2,194 |
| Net operating income to assets | 1.5813% | 931 |
| Return on assets (ROA) | 1.5970% | 930 |
| Pretax return on assets | 2.2066% | 444 |
| Return on Equity (ROE) | 10.8078% | 2,019 |
| Retained earnings to average equity (ytd only) | 10.8078% | 844 |
| Net charge-offs to loans | -0.0172% | 4,429 |
| Credit loss provision to net charge-offs | -504.5872% | 3,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3210% | 5,012 |
| Assets per employee ($millions) | 7.8972% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7310% | 4,714 |
| Loan loss allowance to noncurrent loans | 10,919.7605% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 4,443 |
| Noncurrent loans to loans | 0.0067% | 4,769 |
| Net loans and leases to total assets | 83.1839% | 445 |
| Net loans and leases to deposits | 110.8101% | 199 |
| Net loans and leases to core deposits | 164.0691% | 78 |
| Total domestic deposits to total assets | 75.0689% | 4,851 |
| Equity capital to assets | 14.9742% | 757 |
| Core capital (leverage) ratio | 13.4310% | 1,109 |
| Tier 1 risk-based capital ratio | 19.3909% | 1,466 |
| Total risk-based capital ratio | 20.3473% | 1,499 |
| Memoranda: | ||
| Average total assets | $2,973,661,500 | 325 |
| Average earning assets | $2,759,477,000 | 318 |
| Average equity | $439,385,000 | 272 |
| Average total loans | $2,535,177,000 | 288 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3249% | 556 |
| Cost of funding earning assets | 1.0225% | 693 |
| Net interest margin | 4.3023% | 1,150 |
| Noninterest income to average assets | 0.5546% | 2,520 |
| Noninterest expense to average assets | 1.8846% | 4,916 |
| Loan and lease loss provision to assets | 0.2165% | 837 |
| Net operating income to assets | 1.9014% | 443 |
| Return on assets (ROA) | 1.9016% | 437 |
| Pretax return on assets | 2.4418% | 233 |
| Return on Equity (ROE) | 12.7252% | 1,456 |
| Retained earnings to average equity (ytd only) | 12.7229% | 255 |
| Net charge-offs to loans | 0.0377% | 2,645 |
| Credit loss provision to net charge-offs | 672.0301% | 516 |
| Earnings coverage of net charge-offs (x) | 82.4947% | 849 |
| Efficiency ratio | 40.8723% | 5,268 |
| Assets per employee ($millions) | 8.1402% | 633 |
| Cash dividends to net income (ytd only)* | 0.0178% | 4,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6824% | 4,835 |
| Loan loss allowance to noncurrent loans | 1,136.1991% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 4,373 |
| Noncurrent loans to loans | 0.0601% | 4,479 |
| Net loans and leases to total assets | 86.1006% | 228 |
| Net loans and leases to deposits | 116.5325% | 141 |
| Net loans and leases to core deposits | 159.0896% | 93 |
| Total domestic deposits to total assets | 73.8855% | 4,955 |
| Equity capital to assets | 14.5733% | 816 |
| Core capital (leverage) ratio | 13.5988% | 1,040 |
| Tier 1 risk-based capital ratio | 18.0861% | 1,732 |
| Total risk-based capital ratio | 18.9825% | 1,790 |
| Memoranda: | ||
| Average total assets | $2,063,812,000 | 408 |
| Average earning assets | $1,913,074,400 | 404 |
| Average equity | $308,411,200 | 338 |
| Average total loans | $1,763,572,800 | 361 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2261% | 597 |
| Cost of funding earning assets | 0.8839% | 987 |
| Net interest margin | 4.3422% | 1,028 |
| Noninterest income to average assets | 0.5337% | 2,653 |
| Noninterest expense to average assets | 1.7467% | 5,090 |
| Loan and lease loss provision to assets | 0.1872% | 963 |
| Net operating income to assets | 2.1177% | 299 |
| Return on assets (ROA) | 2.1177% | 294 |
| Pretax return on assets | 2.6249% | 183 |
| Return on Equity (ROE) | 14.0306% | 1,114 |
| Retained earnings to average equity (ytd only) | 14.0306% | 244 |
| Net charge-offs to loans | 0.0149% | 2,888 |
| Credit loss provision to net charge-offs | 1,482.1839% | 279 |
| Earnings coverage of net charge-offs (x) | 222.6707% | 407 |
| Efficiency ratio | 37.9404% | 5,371 |
| Assets per employee ($millions) | 8.7078% | 492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9202% | 4,183 |
| Loan loss allowance to noncurrent loans | 722.2321% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.1187% | 4,383 |
| Noncurrent loans to loans | 0.1274% | 4,311 |
| Net loans and leases to total assets | 81.6517% | 771 |
| Net loans and leases to deposits | 107.5993% | 370 |
| Net loans and leases to core deposits | 162.0669% | 83 |
| Total domestic deposits to total assets | 75.8850% | 4,801 |
| Equity capital to assets | 13.6670% | 1,069 |
| Core capital (leverage) ratio | 13.9384% | 953 |
| Tier 1 risk-based capital ratio | 17.3968% | 1,966 |
| Total risk-based capital ratio | 18.5073% | 1,955 |
| Memoranda: | ||
| Average total assets | $1,836,969,500 | 447 |
| Average earning assets | $1,702,795,000 | 437 |
| Average equity | $277,264,000 | 353 |
| Average total loans | $1,560,520,000 | 389 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2723% | 495 |
| Cost of funding earning assets | 0.7917% | 1,162 |
| Net interest margin | 4.4806% | 724 |
| Noninterest income to average assets | 0.6039% | 2,302 |
| Noninterest expense to average assets | 1.8308% | 5,061 |
| Loan and lease loss provision to assets | 0.1017% | 1,912 |
| Net operating income to assets | 2.2879% | 215 |
| Return on assets (ROA) | 2.2879% | 210 |
| Pretax return on assets | 2.8108% | 139 |
| Return on Equity (ROE) | 14.5941% | 936 |
| Retained earnings to average equity (ytd only) | 14.5941% | 229 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.2141% | 5,429 |
| Assets per employee ($millions) | 7.4939% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9375% | 4,172 |
| Loan loss allowance to noncurrent loans | 674.5053% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 4,315 |
| Noncurrent loans to loans | 0.1390% | 4,277 |
| Net loans and leases to total assets | 85.4040% | 313 |
| Net loans and leases to deposits | 104.7863% | 494 |
| Net loans and leases to core deposits | 146.3901% | 144 |
| Total domestic deposits to total assets | 81.5030% | 3,868 |
| Equity capital to assets | 15.5667% | 585 |
| Core capital (leverage) ratio | 14.8358% | 708 |
| Tier 1 risk-based capital ratio | 18.0588% | 1,782 |
| Total risk-based capital ratio | 19.1409% | 1,793 |
| Memoranda: | ||
| Average total assets | $1,738,157,670 | 469 |
| Average earning assets | $1,605,817,670 | 465 |
| Average equity | $272,494,330 | 356 |
| Average total loans | $1,494,646,670 | 399 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1154% | 568 |
| Cost of funding earning assets | 0.7173% | 1,357 |
| Net interest margin | 4.3981% | 771 |
| Noninterest income to average assets | 0.5779% | 2,375 |
| Noninterest expense to average assets | 1.8989% | 5,021 |
| Loan and lease loss provision to assets | 0.0433% | 2,891 |
| Net operating income to assets | 2.2597% | 216 |
| Return on assets (ROA) | 2.2597% | 216 |
| Pretax return on assets | 2.7060% | 154 |
| Return on Equity (ROE) | 14.3504% | 937 |
| Retained earnings to average equity (ytd only) | 14.3504% | 381 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4416% | 5,448 |
| Assets per employee ($millions) | 7.8091% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9508% | 4,212 |
| Loan loss allowance to noncurrent loans | 697.5012% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.1341% | 4,420 |
| Noncurrent loans to loans | 0.1363% | 4,356 |
| Net loans and leases to total assets | 85.0185% | 338 |
| Net loans and leases to deposits | 101.8143% | 593 |
| Net loans and leases to core deposits | 136.0585% | 256 |
| Total domestic deposits to total assets | 83.5034% | 3,502 |
| Equity capital to assets | 15.9137% | 499 |
| Core capital (leverage) ratio | 14.8394% | 677 |
| Tier 1 risk-based capital ratio | 17.7503% | 1,908 |
| Total risk-based capital ratio | 18.8154% | 1,910 |
| Memoranda: | ||
| Average total assets | $1,699,334,000 | 483 |
| Average earning assets | $1,572,662,000 | 476 |
| Average equity | $267,589,000 | 361 |
| Average total loans | $1,460,232,000 | 406 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1314% | 500 |
| Cost of funding earning assets | 0.7182% | 931 |
| Net interest margin | 4.4132% | 742 |
| Noninterest income to average assets | 0.8440% | 1,428 |
| Noninterest expense to average assets | 1.7284% | 5,303 |
| Loan and lease loss provision to assets | -0.0679% | 5,426 |
| Net operating income to assets | 1.7819% | 438 |
| Return on assets (ROA) | 1.7819% | 449 |
| Pretax return on assets | 3.2702% | 86 |
| Return on Equity (ROE) | 11.7852% | 1,269 |
| Retained earnings to average equity (ytd only) | 11.7852% | 188 |
| Net charge-offs to loans | -0.0505% | 5,190 |
| Credit loss provision to net charge-offs | 158.5843% | 1,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.5894% | 5,601 |
| Assets per employee ($millions) | 8.3176% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9482% | 4,220 |
| Loan loss allowance to noncurrent loans | 8,885.8065% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 5,018 |
| Noncurrent loans to loans | 0.0107% | 4,991 |
| Net loans and leases to total assets | 85.2103% | 323 |
| Net loans and leases to deposits | 103.7833% | 497 |
| Net loans and leases to core deposits | 137.4368% | 238 |
| Total domestic deposits to total assets | 82.1040% | 3,844 |
| Equity capital to assets | 15.5775% | 575 |
| Core capital (leverage) ratio | 14.4994% | 731 |
| Tier 1 risk-based capital ratio | 17.4219% | 1,962 |
| Total risk-based capital ratio | 18.4738% | 1,969 |
| Memoranda: | ||
| Average total assets | $1,550,059,000 | 502 |
| Average earning assets | $1,435,381,200 | 496 |
| Average equity | $234,362,600 | 391 |
| Average total loans | $1,314,818,000 | 428 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8956% | 767 |
| Cost of funding earning assets | 0.7240% | 869 |
| Net interest margin | 4.1715% | 1,225 |
| Noninterest income to average assets | 0.8751% | 1,354 |
| Noninterest expense to average assets | 1.7736% | 5,302 |
| Loan and lease loss provision to assets | -0.3069% | 5,694 |
| Net operating income to assets | 1.9593% | 342 |
| Return on assets (ROA) | 1.9593% | 348 |
| Pretax return on assets | 3.2756% | 97 |
| Return on Equity (ROE) | 13.0691% | 1,041 |
| Retained earnings to average equity (ytd only) | 13.0691% | 217 |
| Net charge-offs to loans | -0.0777% | 5,308 |
| Credit loss provision to net charge-offs | 467.5603% | 686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.9022% | 5,628 |
| Assets per employee ($millions) | 8.3963% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8063% | 4,875 |
| Loan loss allowance to noncurrent loans | 14,831.1688% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 5,140 |
| Noncurrent loans to loans | 0.0054% | 5,123 |
| Net loans and leases to total assets | 85.8074% | 267 |
| Net loans and leases to deposits | 102.6068% | 572 |
| Net loans and leases to core deposits | 136.8779% | 244 |
| Total domestic deposits to total assets | 83.6274% | 3,249 |
| Equity capital to assets | 15.7407% | 592 |
| Core capital (leverage) ratio | 14.5667% | 751 |
| Tier 1 risk-based capital ratio | 18.1275% | 1,825 |
| Total risk-based capital ratio | 19.0780% | 1,853 |
| Memoranda: | ||
| Average total assets | $1,515,456,250 | 516 |
| Average earning assets | $1,404,879,000 | 505 |
| Average equity | $227,197,750 | 401 |
| Average total loans | $1,280,391,750 | 435 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9797% | 578 |
| Cost of funding earning assets | 0.7211% | 795 |
| Net interest margin | 4.2585% | 958 |
| Noninterest income to average assets | 0.7441% | 1,795 |
| Noninterest expense to average assets | 1.7881% | 5,328 |
| Loan and lease loss provision to assets | -0.5679% | 5,765 |
| Net operating income to assets | 2.0398% | 283 |
| Return on assets (ROA) | 2.0398% | 292 |
| Pretax return on assets | 3.4638% | 93 |
| Return on Equity (ROE) | 13.8621% | 834 |
| Retained earnings to average equity (ytd only) | 13.8621% | 188 |
| Net charge-offs to loans | -0.1057% | 5,424 |
| Credit loss provision to net charge-offs | 641.3476% | 536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.6509% | 5,667 |
| Assets per employee ($millions) | 8.2617% | 555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8268% | 4,877 |
| Loan loss allowance to noncurrent loans | 180.0881% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.4406% | 3,352 |
| Noncurrent loans to loans | 0.4591% | 3,369 |
| Net loans and leases to total assets | 83.4038% | 497 |
| Net loans and leases to deposits | 98.5809% | 834 |
| Net loans and leases to core deposits | 137.4693% | 210 |
| Total domestic deposits to total assets | 84.6044% | 2,978 |
| Equity capital to assets | 14.7436% | 757 |
| Core capital (leverage) ratio | 13.3209% | 1,047 |
| Tier 1 risk-based capital ratio | 16.5834% | 2,287 |
| Total risk-based capital ratio | 17.5329% | 2,342 |
| Memoranda: | ||
| Average total assets | $1,474,846,330 | 529 |
| Average earning assets | $1,364,503,000 | 518 |
| Average equity | $217,023,670 | 415 |
| Average total loans | $1,235,078,330 | 453 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9103% | 616 |
| Cost of funding earning assets | 0.6987% | 848 |
| Net interest margin | 4.2116% | 965 |
| Noninterest income to average assets | 0.7301% | 1,830 |
| Noninterest expense to average assets | 1.7952% | 5,381 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6596% | 595 |
| Return on assets (ROA) | 1.6596% | 608 |
| Pretax return on assets | 2.8330% | 149 |
| Return on Equity (ROE) | 11.2898% | 1,469 |
| Retained earnings to average equity (ytd only) | 11.2898% | 562 |
| Net charge-offs to loans | -0.0079% | 4,334 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.2274% | 5,722 |
| Assets per employee ($millions) | 8.4891% | 509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 3,364 |
| Loan loss allowance to noncurrent loans | 398.5951% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.2923% | 4,035 |
| Noncurrent loans to loans | 0.2909% | 4,072 |
| Net loans and leases to total assets | 80.4727% | 771 |
| Net loans and leases to deposits | 95.6236% | 965 |
| Net loans and leases to core deposits | 136.0328% | 202 |
| Total domestic deposits to total assets | 84.1557% | 3,418 |
| Equity capital to assets | 14.3755% | 792 |
| Core capital (leverage) ratio | 13.2075% | 1,068 |
| Tier 1 risk-based capital ratio | 15.6943% | 2,663 |
| Total risk-based capital ratio | 16.9447% | 2,608 |
| Memoranda: | ||
| Average total assets | $1,448,065,500 | 539 |
| Average earning assets | $1,340,294,000 | 524 |
| Average equity | $212,864,500 | 422 |
| Average total loans | $1,209,928,500 | 459 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3256% | 339 |
| Cost of funding earning assets | 0.7133% | 769 |
| Net interest margin | 4.6123% | 499 |
| Noninterest income to average assets | 0.7120% | 2,122 |
| Noninterest expense to average assets | 2.0577% | 5,083 |
| Loan and lease loss provision to assets | 0.3689% | 449 |
| Net operating income to assets | 1.5181% | 799 |
| Return on assets (ROA) | 1.5190% | 826 |
| Pretax return on assets | 2.5920% | 176 |
| Return on Equity (ROE) | 10.7594% | 1,665 |
| Retained earnings to average equity (ytd only) | 10.7594% | 330 |
| Net charge-offs to loans | 0.0720% | 2,671 |
| Credit loss provision to net charge-offs | 594.9761% | 579 |
| Earnings coverage of net charge-offs (x) | 47.7368% | 1,039 |
| Efficiency ratio | 40.4626% | 5,775 |
| Assets per employee ($millions) | 8.1974% | 555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 3,214 |
| Loan loss allowance to noncurrent loans | 395.9184% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.3165% | 4,010 |
| Noncurrent loans to loans | 0.2990% | 4,074 |
| Net loans and leases to total assets | 84.8438% | 315 |
| Net loans and leases to deposits | 100.8047% | 621 |
| Net loans and leases to core deposits | 145.9980% | 140 |
| Total domestic deposits to total assets | 84.1666% | 3,364 |
| Equity capital to assets | 15.0497% | 634 |
| Core capital (leverage) ratio | 12.8113% | 1,207 |
| Tier 1 risk-based capital ratio | 15.8063% | 2,628 |
| Total risk-based capital ratio | 17.0573% | 2,553 |
| Memoranda: | ||
| Average total assets | $1,348,476,400 | 547 |
| Average earning assets | $1,258,673,600 | 538 |
| Average equity | $190,372,800 | 443 |
| Average total loans | $1,161,850,200 | 451 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3335% | 343 |
| Cost of funding earning assets | 0.7099% | 776 |
| Net interest margin | 4.6237% | 484 |
| Noninterest income to average assets | 0.6750% | 2,289 |
| Noninterest expense to average assets | 2.2128% | 4,734 |
| Loan and lease loss provision to assets | 0.3588% | 440 |
| Net operating income to assets | 1.4259% | 1,015 |
| Return on assets (ROA) | 1.4271% | 1,062 |
| Pretax return on assets | 2.4287% | 247 |
| Return on Equity (ROE) | 10.2857% | 1,936 |
| Retained earnings to average equity (ytd only) | 10.2857% | 516 |
| Net charge-offs to loans | 0.0258% | 3,152 |
| Credit loss provision to net charge-offs | 1,613.9013% | 290 |
| Earnings coverage of net charge-offs (x) | 125.2808% | 554 |
| Efficiency ratio | 43.7354% | 5,751 |
| Assets per employee ($millions) | 8.5546% | 475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0884% | 3,894 |
| Loan loss allowance to noncurrent loans | 276.6102% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.3553% | 3,988 |
| Noncurrent loans to loans | 0.3935% | 3,855 |
| Net loans and leases to total assets | 84.2235% | 392 |
| Net loans and leases to deposits | 99.7309% | 718 |
| Net loans and leases to core deposits | 143.3237% | 169 |
| Total domestic deposits to total assets | 84.4508% | 3,042 |
| Equity capital to assets | 14.0961% | 1,000 |
| Core capital (leverage) ratio | 12.2744% | 1,493 |
| Tier 1 risk-based capital ratio | 14.8454% | 3,123 |
| Total risk-based capital ratio | 16.0501% | 3,081 |
| Memoranda: | ||
| Average total assets | $1,337,204,500 | 554 |
| Average earning assets | $1,250,371,750 | 541 |
| Average equity | $185,534,250 | 452 |
| Average total loans | $1,153,184,000 | 456 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2204% | 410 |
| Cost of funding earning assets | 0.7096% | 766 |
| Net interest margin | 4.5108% | 605 |
| Noninterest income to average assets | 0.6138% | 2,544 |
| Noninterest expense to average assets | 2.3378% | 4,505 |
| Loan and lease loss provision to assets | 0.3611% | 446 |
| Net operating income to assets | 1.2619% | 1,386 |
| Return on assets (ROA) | 1.2638% | 1,501 |
| Pretax return on assets | 2.1395% | 431 |
| Return on Equity (ROE) | 9.1625% | 2,425 |
| Retained earnings to average equity (ytd only) | 9.1625% | 807 |
| Net charge-offs to loans | 0.0396% | 2,669 |
| Credit loss provision to net charge-offs | 1,053.3632% | 360 |
| Earnings coverage of net charge-offs (x) | 72.8610% | 753 |
| Efficiency ratio | 47.8224% | 5,675 |
| Assets per employee ($millions) | 8.9233% | 401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9567% | 4,731 |
| Loan loss allowance to noncurrent loans | 250.8051% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.3576% | 4,053 |
| Noncurrent loans to loans | 0.3815% | 3,996 |
| Net loans and leases to total assets | 87.5428% | 164 |
| Net loans and leases to deposits | 103.0586% | 509 |
| Net loans and leases to core deposits | 145.8094% | 143 |
| Total domestic deposits to total assets | 84.9447% | 2,905 |
| Equity capital to assets | 13.7444% | 1,123 |
| Core capital (leverage) ratio | 11.8449% | 1,733 |
| Tier 1 risk-based capital ratio | 13.7195% | 3,758 |
| Total risk-based capital ratio | 14.7462% | 3,819 |
| Memoranda: | ||
| Average total assets | $1,301,029,330 | 565 |
| Average earning assets | $1,217,652,670 | 555 |
| Average equity | $179,448,330 | 466 |
| Average total loans | $1,127,230,670 | 460 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7444% | 964 |
| Cost of funding earning assets | 0.7079% | 779 |
| Net interest margin | 4.0366% | 1,516 |
| Noninterest income to average assets | 0.4843% | 3,232 |
| Noninterest expense to average assets | 2.4751% | 4,150 |
| Loan and lease loss provision to assets | 0.3237% | 474 |
| Net operating income to assets | 0.8702% | 2,899 |
| Return on assets (ROA) | 0.8702% | 3,015 |
| Pretax return on assets | 1.4661% | 1,695 |
| Return on Equity (ROE) | 6.2965% | 3,834 |
| Retained earnings to average equity (ytd only) | 6.2965% | 2,234 |
| Net charge-offs to loans | 0.0845% | 1,652 |
| Credit loss provision to net charge-offs | 447.5336% | 657 |
| Earnings coverage of net charge-offs (x) | 24.7444% | 1,319 |
| Efficiency ratio | 57.5709% | 5,047 |
| Assets per employee ($millions) | 8.7584% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8658% | 5,168 |
| Loan loss allowance to noncurrent loans | 222.9149% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.3555% | 4,145 |
| Noncurrent loans to loans | 0.3884% | 4,046 |
| Net loans and leases to total assets | 85.5517% | 252 |
| Net loans and leases to deposits | 99.1587% | 679 |
| Net loans and leases to core deposits | 142.4260% | 151 |
| Total domestic deposits to total assets | 86.2775% | 2,550 |
| Equity capital to assets | 13.2574% | 1,289 |
| Core capital (leverage) ratio | 13.5424% | 971 |
| Tier 1 risk-based capital ratio | 12.8814% | 4,338 |
| Total risk-based capital ratio | 13.7675% | 4,477 |
| Memoranda: | ||
| Average total assets | $1,233,220,000 | 593 |
| Average earning assets | $1,155,039,000 | 579 |
| Average equity | $170,443,000 | 478 |
| Average total loans | $1,055,930,500 | 480 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4434% | 1,763 |
| Cost of funding earning assets | 0.7447% | 658 |
| Net interest margin | 3.6987% | 2,752 |
| Noninterest income to average assets | 0.7488% | 1,990 |
| Noninterest expense to average assets | 1.9930% | 5,466 |
| Loan and lease loss provision to assets | 0.1402% | 1,691 |
| Net operating income to assets | 1.2398% | 1,421 |
| Return on assets (ROA) | 1.2448% | 1,455 |
| Pretax return on assets | 2.1071% | 423 |
| Return on Equity (ROE) | 8.6482% | 2,648 |
| Retained earnings to average equity (ytd only) | 8.6482% | 742 |
| Net charge-offs to loans | 0.0255% | 3,728 |
| Credit loss provision to net charge-offs | 656.8720% | 511 |
| Earnings coverage of net charge-offs (x) | 104.9526% | 553 |
| Efficiency ratio | 46.8103% | 5,886 |
| Assets per employee ($millions) | 7.6217% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 3,711 |
| Loan loss allowance to noncurrent loans | 229.6220% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.4561% | 3,784 |
| Noncurrent loans to loans | 0.5048% | 3,669 |
| Net loans and leases to total assets | 83.6873% | 418 |
| Net loans and leases to deposits | 98.8281% | 758 |
| Net loans and leases to core deposits | 146.7547% | 127 |
| Total domestic deposits to total assets | 84.6797% | 3,218 |
| Equity capital to assets | 14.6185% | 746 |
| Core capital (leverage) ratio | 13.9398% | 842 |
| Tier 1 risk-based capital ratio | 18.4814% | 1,836 |
| Total risk-based capital ratio | 19.7325% | 1,780 |
| Memoranda: | ||
| Average total assets | $988,888,400 | 697 |
| Average earning assets | $931,378,600 | 679 |
| Average equity | $142,342,000 | 532 |
| Average total loans | $828,880,200 | 565 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3812% | 1,978 |
| Cost of funding earning assets | 0.7294% | 716 |
| Net interest margin | 3.6518% | 2,954 |
| Noninterest income to average assets | 0.5609% | 2,976 |
| Noninterest expense to average assets | 1.9944% | 5,491 |
| Loan and lease loss provision to assets | 0.0334% | 3,559 |
| Net operating income to assets | 1.1703% | 1,752 |
| Return on assets (ROA) | 1.1771% | 1,799 |
| Pretax return on assets | 1.9834% | 614 |
| Return on Equity (ROE) | 8.2111% | 2,964 |
| Retained earnings to average equity (ytd only) | 8.2111% | 1,158 |
| Net charge-offs to loans | 0.0343% | 3,230 |
| Credit loss provision to net charge-offs | 116.5877% | 2,037 |
| Earnings coverage of net charge-offs (x) | 69.9422% | 815 |
| Efficiency ratio | 49.5532% | 5,799 |
| Assets per employee ($millions) | 7.9703% | 547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9808% | 4,834 |
| Loan loss allowance to noncurrent loans | 203.5052% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.4427% | 4,012 |
| Noncurrent loans to loans | 0.4820% | 3,916 |
| Net loans and leases to total assets | 85.2404% | 276 |
| Net loans and leases to deposits | 99.6381% | 688 |
| Net loans and leases to core deposits | 143.8360% | 142 |
| Total domestic deposits to total assets | 85.5500% | 2,759 |
| Equity capital to assets | 13.8202% | 1,095 |
| Core capital (leverage) ratio | 13.5544% | 997 |
| Tier 1 risk-based capital ratio | 18.0280% | 2,021 |
| Total risk-based capital ratio | 19.1936% | 2,007 |
| Memoranda: | ||
| Average total assets | $980,782,750 | 711 |
| Average earning assets | $923,841,750 | 690 |
| Average equity | $140,602,500 | 538 |
| Average total loans | $819,917,500 | 571 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4063% | 1,834 |
| Cost of funding earning assets | 0.7139% | 785 |
| Net interest margin | 3.6924% | 2,744 |
| Noninterest income to average assets | 0.6290% | 2,587 |
| Noninterest expense to average assets | 2.0539% | 5,432 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2203% | 1,541 |
| Return on assets (ROA) | 1.2307% | 1,586 |
| Pretax return on assets | 2.0645% | 524 |
| Return on Equity (ROE) | 8.4732% | 2,813 |
| Retained earnings to average equity (ytd only) | 8.4732% | 1,088 |
| Net charge-offs to loans | 0.0559% | 2,611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 44.3484% | 1,048 |
| Efficiency ratio | 49.7631% | 5,864 |
| Assets per employee ($millions) | 7.3437% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0307% | 4,708 |
| Loan loss allowance to noncurrent loans | 190.3575% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.4796% | 4,014 |
| Noncurrent loans to loans | 0.5415% | 3,831 |
| Net loans and leases to total assets | 82.3353% | 521 |
| Net loans and leases to deposits | 96.5803% | 902 |
| Net loans and leases to core deposits | 142.0814% | 153 |
| Total domestic deposits to total assets | 85.2507% | 3,021 |
| Equity capital to assets | 14.1334% | 943 |
| Core capital (leverage) ratio | 14.2225% | 778 |
| Tier 1 risk-based capital ratio | 18.1852% | 2,012 |
| Total risk-based capital ratio | 19.3573% | 1,994 |
| Memoranda: | ||
| Average total assets | $957,016,000 | 732 |
| Average earning assets | $900,165,330 | 705 |
| Average equity | $139,003,330 | 548 |
| Average total loans | $791,329,000 | 590 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4667% | 1,563 |
| Cost of funding earning assets | 0.7054% | 835 |
| Net interest margin | 3.7613% | 2,385 |
| Noninterest income to average assets | 0.8661% | 1,514 |
| Noninterest expense to average assets | 2.1972% | 5,155 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3148% | 1,226 |
| Return on assets (ROA) | 1.3362% | 1,240 |
| Pretax return on assets | 2.2362% | 361 |
| Return on Equity (ROE) | 9.0679% | 2,416 |
| Retained earnings to average equity (ytd only) | 9.0679% | 1,173 |
| Net charge-offs to loans | 0.1192% | 1,557 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 22.4236% | 1,352 |
| Efficiency ratio | 49.6344% | 5,935 |
| Assets per employee ($millions) | 6.8424% | 919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 4,535 |
| Loan loss allowance to noncurrent loans | 181.0714% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.5351% | 3,889 |
| Noncurrent loans to loans | 0.6062% | 3,756 |
| Net loans and leases to total assets | 82.2390% | 439 |
| Net loans and leases to deposits | 97.1655% | 754 |
| Net loans and leases to core deposits | 145.1109% | 121 |
| Total domestic deposits to total assets | 84.6381% | 3,567 |
| Equity capital to assets | 14.7378% | 771 |
| Core capital (leverage) ratio | 14.4924% | 695 |
| Tier 1 risk-based capital ratio | 18.1457% | 2,094 |
| Total risk-based capital ratio | 19.3461% | 2,058 |
| Memoranda: | ||
| Average total assets | $932,480,000 | 747 |
| Average earning assets | $876,076,500 | 731 |
| Average equity | $137,408,000 | 552 |
| Average total loans | $768,497,000 | 604 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9134% | 905 |
| Cost of funding earning assets | 0.6013% | 1,751 |
| Net interest margin | 4.3121% | 1,032 |
| Noninterest income to average assets | 0.6796% | 2,400 |
| Noninterest expense to average assets | 2.4506% | 4,706 |
| Loan and lease loss provision to assets | 0.1785% | 1,444 |
| Net operating income to assets | 1.2176% | 1,534 |
| Return on assets (ROA) | 1.2388% | 1,524 |
| Pretax return on assets | 2.0860% | 424 |
| Return on Equity (ROE) | 7.9944% | 3,141 |
| Retained earnings to average equity (ytd only) | 7.9944% | 1,019 |
| Net charge-offs to loans | 0.0216% | 4,409 |
| Credit loss provision to net charge-offs | 983.6735% | 280 |
| Earnings coverage of net charge-offs (x) | 122.9864% | 429 |
| Efficiency ratio | 51.9956% | 5,984 |
| Assets per employee ($millions) | 6.7205% | 946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1769% | 4,139 |
| Loan loss allowance to noncurrent loans | 1,184.4712% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.1130% | 5,581 |
| Noncurrent loans to loans | 0.0994% | 5,499 |
| Net loans and leases to total assets | 80.6970% | 648 |
| Net loans and leases to deposits | 95.3475% | 954 |
| Net loans and leases to core deposits | 140.5167% | 163 |
| Total domestic deposits to total assets | 84.6346% | 3,445 |
| Equity capital to assets | 14.7337% | 752 |
| Core capital (leverage) ratio | 15.0285% | 609 |
| Tier 1 risk-based capital ratio | 18.3149% | 2,049 |
| Total risk-based capital ratio | 19.5655% | 2,010 |
| Memoranda: | ||
| Average total assets | $810,213,000 | 837 |
| Average earning assets | $752,029,600 | 816 |
| Average equity | $125,550,600 | 581 |
| Average total loans | $681,427,400 | 634 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8786% | 972 |
| Cost of funding earning assets | 0.5801% | 2,017 |
| Net interest margin | 4.2985% | 1,052 |
| Noninterest income to average assets | 0.6961% | 2,350 |
| Noninterest expense to average assets | 2.4002% | 4,824 |
| Loan and lease loss provision to assets | 0.2646% | 801 |
| Net operating income to assets | 1.1862% | 1,727 |
| Return on assets (ROA) | 1.2154% | 1,694 |
| Pretax return on assets | 2.0536% | 506 |
| Return on Equity (ROE) | 7.7316% | 3,347 |
| Retained earnings to average equity (ytd only) | 7.7316% | 1,476 |
| Net charge-offs to loans | 0.0078% | 4,442 |
| Credit loss provision to net charge-offs | 3,982.0513% | 96 |
| Earnings coverage of net charge-offs (x) | 342.0171% | 205 |
| Efficiency ratio | 51.0008% | 6,051 |
| Assets per employee ($millions) | 6.2934% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 4,275 |
| Loan loss allowance to noncurrent loans | 1,794.6535% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0939% | 5,787 |
| Noncurrent loans to loans | 0.0664% | 5,751 |
| Net loans and leases to total assets | 88.4188% | 97 |
| Net loans and leases to deposits | 105.5772% | 350 |
| Net loans and leases to core deposits | 150.5263% | 101 |
| Total domestic deposits to total assets | 83.7481% | 3,857 |
| Equity capital to assets | 15.5567% | 622 |
| Core capital (leverage) ratio | 15.4539% | 547 |
| Tier 1 risk-based capital ratio | 18.0711% | 2,195 |
| Total risk-based capital ratio | 19.3226% | 2,149 |
| Memoranda: | ||
| Average total assets | $782,587,500 | 866 |
| Average earning assets | $723,990,500 | 850 |
| Average equity | $123,024,500 | 593 |
| Average total loans | $663,825,000 | 653 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8723% | 959 |
| Cost of funding earning assets | 0.5495% | 2,354 |
| Net interest margin | 4.3228% | 980 |
| Noninterest income to average assets | 0.7090% | 2,233 |
| Noninterest expense to average assets | 2.5102% | 4,549 |
| Loan and lease loss provision to assets | 0.0616% | 3,034 |
| Net operating income to assets | 1.2194% | 1,534 |
| Return on assets (ROA) | 1.2643% | 1,469 |
| Pretax return on assets | 2.1974% | 361 |
| Return on Equity (ROE) | 8.0116% | 3,088 |
| Retained earnings to average equity (ytd only) | 8.0116% | 1,328 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0344% | 5,995 |
| Assets per employee ($millions) | 6.0237% | 1,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 4,718 |
| Loan loss allowance to noncurrent loans | 155.9719% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.6545% | 4,020 |
| Noncurrent loans to loans | 0.7299% | 3,872 |
| Net loans and leases to total assets | 83.7305% | 320 |
| Net loans and leases to deposits | 100.5600% | 528 |
| Net loans and leases to core deposits | 132.4995% | 204 |
| Total domestic deposits to total assets | 83.2642% | 4,204 |
| Equity capital to assets | 16.0465% | 547 |
| Core capital (leverage) ratio | 16.2013% | 451 |
| Tier 1 risk-based capital ratio | 18.6343% | 2,026 |
| Total risk-based capital ratio | 19.8844% | 1,984 |
| Memoranda: | ||
| Average total assets | $760,249,000 | 895 |
| Average earning assets | $701,722,330 | 876 |
| Average equity | $119,976,000 | 604 |
| Average total loans | $631,676,000 | 682 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8835% | 894 |
| Cost of funding earning assets | 0.5400% | 2,504 |
| Net interest margin | 4.3435% | 912 |
| Noninterest income to average assets | 0.6613% | 2,396 |
| Noninterest expense to average assets | 2.3860% | 4,967 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3122% | 1,185 |
| Return on assets (ROA) | 1.3122% | 1,228 |
| Pretax return on assets | 2.2710% | 321 |
| Return on Equity (ROE) | 8.3922% | 2,740 |
| Retained earnings to average equity (ytd only) | 8.3922% | 1,458 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8160% | 6,204 |
| Assets per employee ($millions) | 5.9528% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2034% | 4,622 |
| Loan loss allowance to noncurrent loans | 741.5521% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.2197% | 5,551 |
| Noncurrent loans to loans | 0.1623% | 5,599 |
| Net loans and leases to total assets | 81.9798% | 359 |
| Net loans and leases to deposits | 98.5072% | 513 |
| Net loans and leases to core deposits | 132.2799% | 173 |
| Total domestic deposits to total assets | 83.2222% | 4,527 |
| Equity capital to assets | 15.4365% | 608 |
| Core capital (leverage) ratio | 15.4355% | 547 |
| Tier 1 risk-based capital ratio | 17.7297% | 2,398 |
| Total risk-based capital ratio | 18.9804% | 2,368 |
| Memoranda: | ||
| Average total assets | $736,784,000 | 925 |
| Average earning assets | $677,791,000 | 914 |
| Average equity | $115,202,000 | 622 |
| Average total loans | $605,695,000 | 715 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0148% | 894 |
| Cost of funding earning assets | 0.5434% | 3,169 |
| Net interest margin | 4.4714% | 785 |
| Noninterest income to average assets | 0.5945% | 3,126 |
| Noninterest expense to average assets | 2.6954% | 4,116 |
| Loan and lease loss provision to assets | 0.2441% | 1,478 |
| Net operating income to assets | 1.0462% | 2,130 |
| Return on assets (ROA) | 1.0636% | 2,146 |
| Pretax return on assets | 1.8738% | 644 |
| Return on Equity (ROE) | 6.6248% | 3,760 |
| Retained earnings to average equity (ytd only) | 6.6248% | 1,608 |
| Net charge-offs to loans | 0.2458% | 2,505 |
| Credit loss provision to net charge-offs | 136.0034% | 1,726 |
| Earnings coverage of net charge-offs (x) | 11.6509% | 2,214 |
| Efficiency ratio | 56.3164% | 5,914 |
| Assets per employee ($millions) | 5.9302% | 1,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 4,184 |
| Loan loss allowance to noncurrent loans | 1,613.0342% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 5,851 |
| Noncurrent loans to loans | 0.0801% | 5,976 |
| Net loans and leases to total assets | 80.3442% | 563 |
| Net loans and leases to deposits | 97.2924% | 640 |
| Net loans and leases to core deposits | 130.4434% | 191 |
| Total domestic deposits to total assets | 82.5801% | 4,687 |
| Equity capital to assets | 15.8458% | 551 |
| Core capital (leverage) ratio | 15.2819% | 570 |
| Tier 1 risk-based capital ratio | 18.3564% | 2,130 |
| Total risk-based capital ratio | 19.6082% | 2,087 |
| Memoranda: | ||
| Average total assets | $660,899,800 | 1,012 |
| Average earning assets | $619,563,600 | 984 |
| Average equity | $106,101,400 | 670 |
| Average total loans | $482,408,200 | 882 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9358% | 1,057 |
| Cost of funding earning assets | 0.5453% | 3,316 |
| Net interest margin | 4.3905% | 914 |
| Noninterest income to average assets | 0.7032% | 2,586 |
| Noninterest expense to average assets | 2.7491% | 3,834 |
| Loan and lease loss provision to assets | 0.3325% | 992 |
| Net operating income to assets | 0.9900% | 2,412 |
| Return on assets (ROA) | 1.0036% | 2,448 |
| Pretax return on assets | 1.7812% | 941 |
| Return on Equity (ROE) | 6.2288% | 4,058 |
| Retained earnings to average equity (ytd only) | 6.2288% | 2,272 |
| Net charge-offs to loans | 0.3384% | 1,857 |
| Credit loss provision to net charge-offs | 139.0517% | 1,682 |
| Earnings coverage of net charge-offs (x) | 8.7500% | 2,581 |
| Efficiency ratio | 56.7809% | 5,825 |
| Assets per employee ($millions) | 5.8357% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 4,304 |
| Loan loss allowance to noncurrent loans | 204.2329% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.6250% | 4,570 |
| Noncurrent loans to loans | 0.6444% | 4,584 |
| Net loans and leases to total assets | 77.8644% | 763 |
| Net loans and leases to deposits | 92.8936% | 908 |
| Net loans and leases to core deposits | 123.7294% | 266 |
| Total domestic deposits to total assets | 83.8211% | 4,269 |
| Equity capital to assets | 15.2929% | 661 |
| Core capital (leverage) ratio | 14.8783% | 661 |
| Tier 1 risk-based capital ratio | 17.8050% | 2,400 |
| Total risk-based capital ratio | 19.0569% | 2,367 |
| Memoranda: | ||
| Average total assets | $646,735,000 | 1,040 |
| Average earning assets | $609,604,250 | 1,012 |
| Average equity | $104,201,000 | 686 |
| Average total loans | $456,993,750 | 935 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4351% | 2,440 |
| Cost of funding earning assets | 0.5458% | 3,462 |
| Net interest margin | 3.8893% | 2,243 |
| Noninterest income to average assets | 0.9477% | 1,669 |
| Noninterest expense to average assets | 2.7806% | 3,742 |
| Loan and lease loss provision to assets | 0.4745% | 596 |
| Net operating income to assets | 0.7774% | 3,420 |
| Return on assets (ROA) | 0.7817% | 3,558 |
| Pretax return on assets | 1.4074% | 1,905 |
| Return on Equity (ROE) | 4.7568% | 4,865 |
| Retained earnings to average equity (ytd only) | 4.7568% | 3,218 |
| Net charge-offs to loans | 0.5553% | 1,187 |
| Credit loss provision to net charge-offs | 126.7472% | 1,781 |
| Earnings coverage of net charge-offs (x) | 5.0086% | 2,984 |
| Efficiency ratio | 59.7239% | 5,518 |
| Assets per employee ($millions) | 5.8864% | 1,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4358% | 3,864 |
| Loan loss allowance to noncurrent loans | 472.4730% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.3402% | 5,462 |
| Noncurrent loans to loans | 0.3039% | 5,546 |
| Net loans and leases to total assets | 71.6294% | 1,634 |
| Net loans and leases to deposits | 86.0255% | 1,577 |
| Net loans and leases to core deposits | 116.8452% | 375 |
| Total domestic deposits to total assets | 83.2654% | 4,605 |
| Equity capital to assets | 15.3133% | 653 |
| Core capital (leverage) ratio | 15.9962% | 468 |
| Tier 1 risk-based capital ratio | 18.5964% | 2,111 |
| Total risk-based capital ratio | 19.8498% | 2,070 |
| Memoranda: | ||
| Average total assets | $619,157,330 | 1,084 |
| Average earning assets | $590,291,000 | 1,047 |
| Average equity | $101,749,000 | 708 |
| Average total loans | $417,468,000 | 1,022 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4130% | 2,477 |
| Cost of funding earning assets | 0.5728% | 3,351 |
| Net interest margin | 3.8402% | 2,320 |
| Noninterest income to average assets | 1.5201% | 670 |
| Noninterest expense to average assets | 2.6049% | 4,391 |
| Loan and lease loss provision to assets | 0.5540% | 476 |
| Net operating income to assets | 1.1484% | 1,682 |
| Return on assets (ROA) | 1.1484% | 1,786 |
| Pretax return on assets | 2.0468% | 546 |
| Return on Equity (ROE) | 6.7041% | 3,655 |
| Retained earnings to average equity (ytd only) | 6.7041% | 2,313 |
| Net charge-offs to loans | 0.8645% | 702 |
| Credit loss provision to net charge-offs | 99.8741% | 1,880 |
| Earnings coverage of net charge-offs (x) | 4.6889% | 2,499 |
| Efficiency ratio | 50.0403% | 6,498 |
| Assets per employee ($millions) | 5.6314% | 1,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8840% | 2,355 |
| Loan loss allowance to noncurrent loans | 974.1450% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.1285% | 6,188 |
| Noncurrent loans to loans | 0.1934% | 5,919 |
| Net loans and leases to total assets | 65.2023% | 2,513 |
| Net loans and leases to deposits | 79.7047% | 2,114 |
| Net loans and leases to core deposits | 109.1739% | 520 |
| Total domestic deposits to total assets | 81.8048% | 5,267 |
| Equity capital to assets | 17.4214% | 379 |
| Core capital (leverage) ratio | 17.1005% | 345 |
| Tier 1 risk-based capital ratio | 22.9708% | 1,165 |
| Total risk-based capital ratio | 24.2294% | 1,140 |
| Memoranda: | ||
| Average total assets | $572,611,500 | 1,186 |
| Average earning assets | $549,561,500 | 1,120 |
| Average equity | $98,089,000 | 739 |
| Average total loans | $367,396,000 | 1,163 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4481% | 3,618 |
| Cost of funding earning assets | 0.8089% | 2,595 |
| Net interest margin | 3.6391% | 3,923 |
| Noninterest income to average assets | 0.4135% | 4,503 |
| Noninterest expense to average assets | 2.3115% | 5,665 |
| Loan and lease loss provision to assets | 0.3610% | 1,838 |
| Net operating income to assets | 0.6997% | 3,741 |
| Return on assets (ROA) | 0.7179% | 3,913 |
| Pretax return on assets | 1.2498% | 2,607 |
| Return on Equity (ROE) | 4.7465% | 4,815 |
| Retained earnings to average equity (ytd only) | 4.7465% | 2,885 |
| Net charge-offs to loans | -0.0012% | 6,310 |
| Credit loss provision to net charge-offs | -51,450.0000% | 6,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3620% | 5,637 |
| Assets per employee ($millions) | 6.1324% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9960% | 2,023 |
| Loan loss allowance to noncurrent loans | 118.9975% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 1.2855% | 3,504 |
| Noncurrent loans to loans | 1.6773% | 3,106 |
| Net loans and leases to total assets | 60.6637% | 3,477 |
| Net loans and leases to deposits | 73.5125% | 3,169 |
| Net loans and leases to core deposits | 100.2112% | 1,013 |
| Total domestic deposits to total assets | 82.5216% | 4,923 |
| Equity capital to assets | 16.8427% | 434 |
| Core capital (leverage) ratio | 15.6250% | 493 |
| Tier 1 risk-based capital ratio | 22.8207% | 1,136 |
| Total risk-based capital ratio | 24.0805% | 1,120 |
| Memoranda: | ||
| Average total assets | $570,021,400 | 1,166 |
| Average earning assets | $545,160,200 | 1,108 |
| Average equity | $86,210,800 | 807 |
| Average total loans | $342,615,400 | 1,232 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4658% | 3,761 |
| Cost of funding earning assets | 0.8456% | 2,582 |
| Net interest margin | 3.6202% | 4,149 |
| Noninterest income to average assets | 0.4114% | 4,544 |
| Noninterest expense to average assets | 2.4320% | 5,300 |
| Loan and lease loss provision to assets | 0.3924% | 1,632 |
| Net operating income to assets | 0.5938% | 4,420 |
| Return on assets (ROA) | 0.6174% | 4,567 |
| Pretax return on assets | 1.0813% | 3,419 |
| Return on Equity (ROE) | 4.2031% | 5,197 |
| Retained earnings to average equity (ytd only) | 4.2031% | 3,935 |
| Net charge-offs to loans | -0.0016% | 6,195 |
| Credit loss provision to net charge-offs | -41,825.0000% | 6,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8592% | 4,999 |
| Assets per employee ($millions) | 6.8115% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9970% | 2,173 |
| Loan loss allowance to noncurrent loans | 86.6718% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.5552% | 3,258 |
| Noncurrent loans to loans | 2.3041% | 2,503 |
| Net loans and leases to total assets | 52.7581% | 4,946 |
| Net loans and leases to deposits | 62.8059% | 4,875 |
| Net loans and leases to core deposits | 85.7445% | 2,497 |
| Total domestic deposits to total assets | 84.0019% | 4,219 |
| Equity capital to assets | 15.2992% | 752 |
| Core capital (leverage) ratio | 14.9658% | 613 |
| Tier 1 risk-based capital ratio | 23.2153% | 1,143 |
| Total risk-based capital ratio | 24.4761% | 1,116 |
| Memoranda: | ||
| Average total assets | $568,415,000 | 1,181 |
| Average earning assets | $542,867,750 | 1,127 |
| Average equity | $83,491,250 | 840 |
| Average total loans | $339,065,250 | 1,255 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5317% | 3,638 |
| Cost of funding earning assets | 0.8822% | 2,543 |
| Net interest margin | 3.6495% | 4,043 |
| Noninterest income to average assets | 0.4390% | 4,369 |
| Noninterest expense to average assets | 2.4568% | 5,273 |
| Loan and lease loss provision to assets | 0.4736% | 1,344 |
| Net operating income to assets | 0.5596% | 4,539 |
| Return on assets (ROA) | 0.5596% | 4,823 |
| Pretax return on assets | 0.9883% | 3,749 |
| Return on Equity (ROE) | 3.8708% | 5,329 |
| Retained earnings to average equity (ytd only) | 3.8708% | 4,043 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6941% | 5,133 |
| Assets per employee ($millions) | 6.7171% | 844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7949% | 2,869 |
| Loan loss allowance to noncurrent loans | 110.0917% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 1.3577% | 3,722 |
| Noncurrent loans to loans | 1.6303% | 3,462 |
| Net loans and leases to total assets | 57.5625% | 4,240 |
| Net loans and leases to deposits | 68.6029% | 4,108 |
| Net loans and leases to core deposits | 96.4073% | 1,400 |
| Total domestic deposits to total assets | 83.9067% | 4,350 |
| Equity capital to assets | 15.5362% | 670 |
| Core capital (leverage) ratio | 15.2386% | 555 |
| Tier 1 risk-based capital ratio | 22.5572% | 1,191 |
| Total risk-based capital ratio | 23.8162% | 1,175 |
| Memoranda: | ||
| Average total assets | $549,002,000 | 1,235 |
| Average earning assets | $523,472,330 | 1,174 |
| Average equity | $79,364,000 | 875 |
| Average total loans | $339,637,670 | 1,254 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6721% | 3,155 |
| Cost of funding earning assets | 0.9065% | 2,640 |
| Net interest margin | 3.7656% | 3,536 |
| Noninterest income to average assets | 0.4957% | 3,936 |
| Noninterest expense to average assets | 2.7205% | 4,352 |
| Loan and lease loss provision to assets | 0.3377% | 1,855 |
| Net operating income to assets | 0.5786% | 4,445 |
| Return on assets (ROA) | 0.5786% | 4,669 |
| Pretax return on assets | 1.0207% | 3,606 |
| Return on Equity (ROE) | 4.1839% | 5,209 |
| Retained earnings to average equity (ytd only) | 4.1839% | 4,079 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6980% | 4,426 |
| Assets per employee ($millions) | 6.2803% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6603% | 3,494 |
| Loan loss allowance to noncurrent loans | 85.7366% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 1.5890% | 3,467 |
| Noncurrent loans to loans | 1.9365% | 3,241 |
| Net loans and leases to total assets | 60.3153% | 3,593 |
| Net loans and leases to deposits | 70.2180% | 3,709 |
| Net loans and leases to core deposits | 101.7094% | 877 |
| Total domestic deposits to total assets | 85.8971% | 3,592 |
| Equity capital to assets | 13.4506% | 1,255 |
| Core capital (leverage) ratio | 12.6988% | 1,241 |
| Tier 1 risk-based capital ratio | 17.7991% | 2,359 |
| Total risk-based capital ratio | 19.0571% | 2,336 |
| Memoranda: | ||
| Average total assets | $521,234,000 | 1,302 |
| Average earning assets | $495,969,500 | 1,241 |
| Average equity | $72,085,000 | 968 |
| Average total loans | $332,283,000 | 1,279 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8637% | 3,526 |
| Cost of funding earning assets | 0.9031% | 4,091 |
| Net interest margin | 3.9606% | 3,067 |
| Noninterest income to average assets | 1.0155% | 1,324 |
| Noninterest expense to average assets | 3.3075% | 2,499 |
| Loan and lease loss provision to assets | 0.3805% | 2,717 |
| Net operating income to assets | 2.0579% | 278 |
| Return on assets (ROA) | 2.1159% | 278 |
| Pretax return on assets | 1.2007% | 2,454 |
| Return on Equity (ROE) | 12.1278% | 1,374 |
| Retained earnings to average equity (ytd only) | 12.1278% | 293 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4695% | 4,260 |
| Assets per employee ($millions) | 6.2020% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5181% | 3,941 |
| Loan loss allowance to noncurrent loans | 100.6164% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 1.4523% | 3,806 |
| Noncurrent loans to loans | 1.5088% | 3,884 |
| Net loans and leases to total assets | 65.3392% | 2,912 |
| Net loans and leases to deposits | 76.7726% | 3,043 |
| Net loans and leases to core deposits | 112.8615% | 543 |
| Total domestic deposits to total assets | 85.1075% | 3,782 |
| Equity capital to assets | 14.2372% | 990 |
| Core capital (leverage) ratio | 13.9816% | 829 |
| Tier 1 risk-based capital ratio | 19.1823% | 1,847 |
| Total risk-based capital ratio | 20.4393% | 1,810 |
| Memoranda: | ||
| Average total assets | $375,869,000 | 1,730 |
| Average earning assets | $362,066,600 | 1,634 |
| Average equity | $65,576,600 | 1,026 |
| Average total loans | $261,039,800 | 1,614 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7710% | 4,137 |
| Cost of funding earning assets | 0.9078% | 4,343 |
| Net interest margin | 3.8631% | 3,557 |
| Noninterest income to average assets | 1.3525% | 714 |
| Noninterest expense to average assets | 3.3967% | 2,194 |
| Loan and lease loss provision to assets | 0.4136% | 2,393 |
| Net operating income to assets | 1.2797% | 1,433 |
| Return on assets (ROA) | 1.3641% | 1,320 |
| Pretax return on assets | 1.3645% | 2,067 |
| Return on Equity (ROE) | 7.3270% | 3,367 |
| Retained earnings to average equity (ytd only) | 7.3270% | 1,799 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7275% | 4,581 |
| Assets per employee ($millions) | 4.9689% | 2,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5070% | 4,059 |
| Loan loss allowance to noncurrent loans | 70.5511% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 1.9960% | 3,145 |
| Noncurrent loans to loans | 2.1360% | 3,198 |
| Net loans and leases to total assets | 68.6606% | 2,340 |
| Net loans and leases to deposits | 81.5859% | 2,436 |
| Net loans and leases to core deposits | 119.6954% | 395 |
| Total domestic deposits to total assets | 84.1575% | 4,151 |
| Equity capital to assets | 15.0536% | 842 |
| Core capital (leverage) ratio | 17.6062% | 359 |
| Tier 1 risk-based capital ratio | 20.1581% | 1,649 |
| Total risk-based capital ratio | 21.4150% | 1,614 |
| Memoranda: | ||
| Average total assets | $344,244,750 | 1,890 |
| Average earning assets | $333,089,750 | 1,791 |
| Average equity | $64,090,000 | 1,057 |
| Average total loans | $242,974,250 | 1,736 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0016% | 3,147 |
| Cost of funding earning assets | 0.9668% | 4,201 |
| Net interest margin | 4.0348% | 2,678 |
| Noninterest income to average assets | 0.3582% | 5,023 |
| Noninterest expense to average assets | 2.9704% | 3,757 |
| Loan and lease loss provision to assets | 0.5743% | 1,688 |
| Net operating income to assets | 0.7421% | 3,329 |
| Return on assets (ROA) | 0.8828% | 2,826 |
| Pretax return on assets | 0.8834% | 3,694 |
| Return on Equity (ROE) | 4.3419% | 4,768 |
| Retained earnings to average equity (ytd only) | 4.3419% | 3,430 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2806% | 4,267 |
| Assets per employee ($millions) | 5.5192% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9694% | 2,451 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 6,679 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 70.2833% | 2,162 |
| Net loans and leases to deposits | 88.8314% | 1,389 |
| Net loans and leases to core deposits | 140.5074% | 185 |
| Total domestic deposits to total assets | 79.1199% | 6,056 |
| Equity capital to assets | 20.0154% | 257 |
| Core capital (leverage) ratio | 20.1221% | 216 |
| Tier 1 risk-based capital ratio | 26.3650% | 776 |
| Total risk-based capital ratio | 27.6283% | 761 |
| Memoranda: | ||
| Average total assets | $309,926,000 | 2,077 |
| Average earning assets | $301,821,330 | 1,963 |
| Average equity | $63,013,330 | 1,076 |
| Average total loans | $220,049,330 | 1,909 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8198% | 3,962 |
| Cost of funding earning assets | 0.9779% | 4,368 |
| Net interest margin | 3.8418% | 3,408 |
| Noninterest income to average assets | 0.3832% | 4,848 |
| Noninterest expense to average assets | 3.0614% | 3,415 |
| Loan and lease loss provision to assets | 0.3884% | 2,243 |
| Net operating income to assets | 0.6797% | 3,611 |
| Return on assets (ROA) | 0.7427% | 3,379 |
| Pretax return on assets | 0.7440% | 4,127 |
| Return on Equity (ROE) | 3.6233% | 5,086 |
| Retained earnings to average equity (ytd only) | 3.6233% | 4,009 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1105% | 3,494 |
| Assets per employee ($millions) | 5.9453% | 1,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8369% | 2,897 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 6,731 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 67.8628% | 2,576 |
| Net loans and leases to deposits | 85.9494% | 1,737 |
| Net loans and leases to core deposits | 138.5669% | 201 |
| Total domestic deposits to total assets | 78.9567% | 6,198 |
| Equity capital to assets | 20.2925% | 242 |
| Core capital (leverage) ratio | 20.7920% | 192 |
| Tier 1 risk-based capital ratio | 27.8378% | 645 |
| Total risk-based capital ratio | 29.0992% | 630 |
| Memoranda: | ||
| Average total assets | $304,832,500 | 2,122 |
| Average earning assets | $297,358,500 | 2,013 |
| Average equity | $62,484,000 | 1,076 |
| Average total loans | $215,321,000 | 1,963 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4458% | 6,526 |
| Cost of funding earning assets | 1.0122% | 5,630 |
| Net interest margin | 3.4336% | 5,505 |
| Noninterest income to average assets | 0.2368% | 6,106 |
| Noninterest expense to average assets | 3.7834% | 1,517 |
| Loan and lease loss provision to assets | 1.4260% | 1,052 |
| Net operating income to assets | -1.6446% | 6,955 |
| Return on assets (ROA) | -1.5386% | 6,940 |
| Pretax return on assets | -1.5382% | 6,869 |
| Return on Equity (ROE) | -5.8969% | 6,489 |
| Retained earnings to average equity (ytd only) | -5.8969% | 6,372 |
| Net charge-offs to loans | 0.8152% | 2,600 |
| Credit loss provision to net charge-offs | 279.7581% | 969 |
| Earnings coverage of net charge-offs (x) | -0.4282% | 6,418 |
| Efficiency ratio | 106.1224% | 622 |
| Assets per employee ($millions) | 5.8924% | 1,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6735% | 3,319 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 70.9742% | 2,312 |
| Net loans and leases to deposits | 90.2061% | 1,496 |
| Net loans and leases to core deposits | 136.9166% | 253 |
| Total domestic deposits to total assets | 78.6801% | 6,169 |
| Equity capital to assets | 20.7090% | 222 |
| Core capital (leverage) ratio | 21.0185% | 198 |
| Tier 1 risk-based capital ratio | 27.9401% | 611 |
| Total risk-based capital ratio | 29.1992% | 594 |
| Memoranda: | ||
| Average total assets | $243,274,600 | 2,608 |
| Average earning assets | $235,818,000 | 2,469 |
| Average equity | $63,474,200 | 1,051 |
| Average total loans | $152,103,000 | 2,736 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2450% | 7,035 |
| Cost of funding earning assets | 0.9954% | 5,960 |
| Net interest margin | 3.2496% | 6,172 |
| Noninterest income to average assets | 0.2242% | 6,299 |
| Noninterest expense to average assets | 3.9650% | 1,089 |
| Loan and lease loss provision to assets | 1.1629% | 1,244 |
| Net operating income to assets | -1.7580% | 7,177 |
| Return on assets (ROA) | -1.6456% | 7,156 |
| Pretax return on assets | -1.6450% | 7,086 |
| Return on Equity (ROE) | -5.9073% | 6,710 |
| Retained earnings to average equity (ytd only) | -5.9073% | 6,623 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.6399% | 418 |
| Assets per employee ($millions) | 5.5872% | 1,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9068% | 2,465 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 60.1684% | 4,880 |
| Net loans and leases to deposits | 77.4499% | 3,930 |
| Net loans and leases to core deposits | 120.7461% | 584 |
| Total domestic deposits to total assets | 77.6869% | 6,320 |
| Equity capital to assets | 21.7807% | 200 |
| Core capital (leverage) ratio | 22.0729% | 175 |
| Tier 1 risk-based capital ratio | 33.4243% | 394 |
| Total risk-based capital ratio | 34.6859% | 388 |
| Memoranda: | ||
| Average total assets | $228,965,250 | 2,803 |
| Average earning assets | $221,680,750 | 2,648 |
| Average equity | $63,784,500 | 1,047 |
| Average total loans | $135,899,750 | 3,055 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1747% | 7,203 |
| Cost of funding earning assets | 0.9201% | 6,500 |
| Net interest margin | 3.2546% | 6,152 |
| Noninterest income to average assets | 0.2476% | 6,138 |
| Noninterest expense to average assets | 4.2669% | 746 |
| Loan and lease loss provision to assets | 1.2713% | 1,097 |
| Net operating income to assets | -2.1522% | 7,343 |
| Return on assets (ROA) | -1.9670% | 7,301 |
| Pretax return on assets | -1.9660% | 7,226 |
| Return on Equity (ROE) | -6.4110% | 6,797 |
| Retained earnings to average equity (ytd only) | -6.4110% | 6,687 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.9773% | 349 |
| Assets per employee ($millions) | 5.6212% | 1,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5663% | 3,602 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 66.2781% | 3,771 |
| Net loans and leases to deposits | 88.6343% | 2,069 |
| Net loans and leases to core deposits | 136.6531% | 323 |
| Total domestic deposits to total assets | 74.7770% | 6,878 |
| Equity capital to assets | 24.6707% | 139 |
| Core capital (leverage) ratio | 27.7545% | 98 |
| Tier 1 risk-based capital ratio | 35.9653% | 325 |
| Total risk-based capital ratio | 37.2239% | 315 |
| Memoranda: | ||
| Average total assets | $208,442,670 | 3,061 |
| Average earning assets | $201,067,000 | 2,931 |
| Average equity | $63,952,670 | 1,040 |
| Average total loans | $121,797,330 | 3,370 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1868% | 7,282 |
| Cost of funding earning assets | 0.8574% | 6,912 |
| Net interest margin | 3.3294% | 5,865 |
| Noninterest income to average assets | 0.2334% | 6,288 |
| Noninterest expense to average assets | 4.8272% | 418 |
| Loan and lease loss provision to assets | 1.0579% | 1,167 |
| Net operating income to assets | -2.4692% | 7,551 |
| Return on assets (ROA) | -2.0482% | 7,476 |
| Pretax return on assets | -2.0461% | 7,424 |
| Return on Equity (ROE) | -5.8657% | 6,931 |
| Retained earnings to average equity (ytd only) | -5.8657% | 6,651 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.2253% | 249 |
| Assets per employee ($millions) | 4.3588% | 3,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7113% | 3,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 57.7950% | 5,476 |
| Net loans and leases to deposits | 88.3542% | 2,169 |
| Net loans and leases to core deposits | 121.4544% | 728 |
| Total domestic deposits to total assets | 65.4129% | 7,638 |
| Equity capital to assets | 34.1016% | 69 |
| Core capital (leverage) ratio | 35.9112% | 65 |
| Tier 1 risk-based capital ratio | 46.3319% | 175 |
| Total risk-based capital ratio | 47.5873% | 175 |
| Memoranda: | ||
| Average total assets | $183,377,000 | 3,453 |
| Average earning assets | $175,409,000 | 3,314 |
| Average equity | $64,033,000 | 1,043 |
| Average total loans | $95,643,500 | 4,084 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9778% | 7,883 |
| Cost of funding earning assets | 0.8676% | 7,455 |
| Net interest margin | 2.1102% | 7,698 |
| Noninterest income to average assets | 0.1866% | 6,757 |
| Noninterest expense to average assets | 5.4641% | 399 |
| Loan and lease loss provision to assets | 1.0425% | 2,200 |
| Net operating income to assets | -4.3126% | 7,653 |
| Return on assets (ROA) | -4.3126% | 7,650 |
| Pretax return on assets | -4.3126% | 7,599 |
| Return on Equity (ROE) | -8.2553% | 6,488 |
| Retained earnings to average equity (ytd only) | -8.2553% | 6,371 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 249.0532% | 86 |
| Assets per employee ($millions) | 4.5981% | 2,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7280% | 2,791 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 44.4308% | 7,087 |
| Net loans and leases to deposits | 69.6079% | 5,655 |
| Net loans and leases to core deposits | 156.2795% | 390 |
| Total domestic deposits to total assets | 63.8301% | 7,714 |
| Equity capital to assets | 35.7728% | 75 |
| Core capital (leverage) ratio | 37.6335% | 71 |
| Tier 1 risk-based capital ratio | 57.7998% | 121 |
| Total risk-based capital ratio | 59.0526% | 120 |
| Memoranda: | ||
| Average total assets | $127,578,600 | 4,392 |
| Average earning assets | $121,362,800 | 4,280 |
| Average equity | $66,647,800 | 990 |
| Average total loans | $40,474,200 | 6,077 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6100% | 8,004 |
| Cost of funding earning assets | 0.7742% | 7,729 |
| Net interest margin | 1.8357% | 7,876 |
| Noninterest income to average assets | 0.1454% | 7,135 |
| Noninterest expense to average assets | 5.7755% | 335 |
| Loan and lease loss provision to assets | 0.9304% | 2,071 |
| Net operating income to assets | -4.8288% | 7,826 |
| Return on assets (ROA) | -4.8288% | 7,825 |
| Pretax return on assets | -4.8288% | 7,792 |
| Return on Equity (ROE) | -8.2290% | 6,753 |
| Retained earnings to average equity (ytd only) | -8.2290% | 6,627 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 307.6828% | 65 |
| Assets per employee ($millions) | 4.0697% | 3,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4917% | 3,486 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 36.2399% | 7,615 |
| Net loans and leases to deposits | 62.1663% | 6,658 |
| Net loans and leases to core deposits | 145.5392% | 706 |
| Total domestic deposits to total assets | 58.2951% | 7,902 |
| Equity capital to assets | 41.3338% | 71 |
| Core capital (leverage) ratio | 48.7673% | 59 |
| Tier 1 risk-based capital ratio | 74.8722% | 81 |
| Total risk-based capital ratio | 76.0600% | 80 |
| Memoranda: | ||
| Average total assets | $114,641,750 | 4,726 |
| Average earning assets | $108,146,000 | 4,649 |
| Average equity | $67,272,250 | 995 |
| Average total loans | $30,323,500 | 6,662 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2113% | 8,116 |
| Cost of funding earning assets | 0.6809% | 7,934 |
| Net interest margin | 1.5304% | 8,008 |
| Noninterest income to average assets | 0.1201% | 7,388 |
| Noninterest expense to average assets | 6.0831% | 311 |
| Loan and lease loss provision to assets | 1.0105% | 1,666 |
| Net operating income to assets | -5.5388% | 7,977 |
| Return on assets (ROA) | -5.5388% | 7,968 |
| Pretax return on assets | -5.5388% | 7,922 |
| Return on Equity (ROE) | -8.1618% | 6,901 |
| Retained earnings to average equity (ytd only) | -8.1618% | 6,687 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 391.2484% | 57 |
| Assets per employee ($millions) | 3.2525% | 5,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 3,592 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 33.9813% | 7,773 |
| Net loans and leases to deposits | 79.5510% | 4,613 |
| Net loans and leases to core deposits | 191.8467% | 153 |
| Total domestic deposits to total assets | 42.7163% | 8,088 |
| Equity capital to assets | 56.8310% | 52 |
| Core capital (leverage) ratio | 62.6532% | 42 |
| Tier 1 risk-based capital ratio | 103.7157% | 65 |
| Total risk-based capital ratio | 104.9174% | 64 |
| Memoranda: | ||
| Average total assets | $99,949,000 | 5,162 |
| Average earning assets | $93,699,000 | 5,077 |
| Average equity | $67,828,000 | 989 |
| Average total loans | $20,967,670 | 7,270 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6931% | 8,197 |
| Cost of funding earning assets | 0.5769% | 8,066 |
| Net interest margin | 1.1162% | 8,147 |
| Noninterest income to average assets | 0.1138% | 7,462 |
| Noninterest expense to average assets | 5.7432% | 325 |
| Loan and lease loss provision to assets | 0.8405% | 1,546 |
| Net operating income to assets | -5.4280% | 8,065 |
| Return on assets (ROA) | -5.4280% | 8,058 |
| Pretax return on assets | -5.4280% | 8,015 |
| Return on Equity (ROE) | -7.2440% | 7,171 |
| Retained earnings to average equity (ytd only) | -7.2440% | 6,823 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 496.9697% | 39 |
| Assets per employee ($millions) | 3.6915% | 4,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4763% | 3,110 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 17.6099% | 8,108 |
| Net loans and leases to deposits | 55.7030% | 7,174 |
| Net loans and leases to core deposits | 165.7569% | 412 |
| Total domestic deposits to total assets | 31.6140% | 8,170 |
| Equity capital to assets | 68.0740% | 43 |
| Core capital (leverage) ratio | 73.2619% | 38 |
| Tier 1 risk-based capital ratio | 169.6123% | 48 |
| Total risk-based capital ratio | 170.4397% | 48 |
| Memoranda: | ||
| Average total assets | $91,378,000 | 5,442 |
| Average earning assets | $85,287,500 | 5,385 |
| Average equity | $68,470,000 | 982 |
| Average total loans | $11,269,000 | 7,842 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0962% | 8,296 |
| Cost of funding earning assets | 0.0361% | 8,276 |
| Net interest margin | 0.0601% | 8,293 |
| Noninterest income to average assets | 0.2323% | 6,771 |
| Noninterest expense to average assets | 2.9717% | 4,180 |
| Loan and lease loss provision to assets | 0.0855% | 6,320 |
| Net operating income to assets | -2.7719% | 7,772 |
| Return on assets (ROA) | -2.7719% | 7,744 |
| Pretax return on assets | -2.7707% | 7,653 |
| Return on Equity (ROE) | -3.3333% | 6,663 |
| Retained earnings to average equity (ytd only) | -3.3333% | 6,187 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,037.3950% | 17 |
| Assets per employee ($millions) | 3.3234% | 5,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5033% | 2,671 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 5.5991% | 8,227 |
| Net loans and leases to deposits | 42.2487% | 7,893 |
| Net loans and leases to core deposits | 62.3592% | 7,502 |
| Total domestic deposits to total assets | 13.2527% | 8,255 |
| Equity capital to assets | 83.1558% | 26 |
| Core capital (leverage) ratio | 93.5469% | 10 |
| Tier 1 risk-based capital ratio | 336.5811% | 23 |
| Total risk-based capital ratio | 336.9270% | 23 |
| Memoranda: | ||
| Average total assets | $83,085,000 | 5,592 |
| Average earning assets | $74,846,000 | 5,631 |
| Average equity | $69,090,000 | 972 |
| Average total loans | $4,723,000 | 8,172 |