Home > Royal Savings Bank > Performance and Condition Ratios
Royal Savings Bank, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9533% | 1,479 |
| Cost of funding earning assets | 0.2892% | 2,513 |
| Net interest margin | 3.6641% | 1,304 |
| Noninterest income to average assets | 0.1235% | 4,520 |
| Noninterest expense to average assets | 1.9928% | 3,695 |
| Loan and lease loss provision to assets | -0.0614% | 4,412 |
| Net operating income to assets | 1.2523% | 1,736 |
| Return on assets (ROA) | 1.2523% | 1,796 |
| Pretax return on assets | 1.6471% | 1,287 |
| Return on Equity (ROE) | 12.5681% | 1,618 |
| Retained earnings to average equity (ytd only) | 11.6276% | 592 |
| Net charge-offs to loans | -0.0929% | 4,565 |
| Credit loss provision to net charge-offs | 77.3585% | 1,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9289% | 3,832 |
| Assets per employee ($millions) | 8.9576% | 930 |
| Cash dividends to net income (ytd only)* | 7.4832% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8001% | 4,264 |
| Loan loss allowance to noncurrent loans | 222.9616% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.3280% | 1,923 |
| Noncurrent loans to loans | 0.3589% | 2,300 |
| Net loans and leases to total assets | 84.3854% | 98 |
| Net loans and leases to deposits | 94.3245% | 371 |
| Net loans and leases to core deposits | 139.0628% | 70 |
| Total domestic deposits to total assets | 89.4629% | 1,262 |
| Equity capital to assets | 10.2785% | 2,392 |
| Core capital (leverage) ratio | 9.2946% | 3,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3908% | 2,083 |
| Memoranda: | ||
| Average total assets | $534,625,400 | 1,609 |
| Average earning assets | $504,135,200 | 1,593 |
| Average equity | $53,269,600 | 1,673 |
| Average total loans | $456,563,800 | 1,251 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9567% | 1,630 |
| Cost of funding earning assets | 0.3080% | 2,523 |
| Net interest margin | 3.6488% | 1,469 |
| Noninterest income to average assets | 0.1241% | 4,571 |
| Noninterest expense to average assets | 2.0092% | 3,645 |
| Loan and lease loss provision to assets | -0.0465% | 4,445 |
| Net operating income to assets | 1.2433% | 2,013 |
| Return on assets (ROA) | 1.2433% | 2,075 |
| Pretax return on assets | 1.5989% | 1,703 |
| Return on Equity (ROE) | 12.5803% | 1,837 |
| Retained earnings to average equity (ytd only) | 11.8470% | 866 |
| Net charge-offs to loans | -0.1062% | 4,635 |
| Credit loss provision to net charge-offs | 51.1050% | 1,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6432% | 3,572 |
| Assets per employee ($millions) | 9.9082% | 655 |
| Cash dividends to net income (ytd only)* | 5.8290% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8081% | 4,333 |
| Loan loss allowance to noncurrent loans | 245.6367% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.3071% | 2,234 |
| Noncurrent loans to loans | 0.3290% | 2,604 |
| Net loans and leases to total assets | 84.0624% | 112 |
| Net loans and leases to deposits | 94.4921% | 401 |
| Net loans and leases to core deposits | 142.4778% | 73 |
| Total domestic deposits to total assets | 88.9624% | 1,298 |
| Equity capital to assets | 9.8899% | 3,009 |
| Core capital (leverage) ratio | 9.1388% | 3,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9468% | 2,385 |
| Memoranda: | ||
| Average total assets | $531,678,750 | 1,630 |
| Average earning assets | $500,905,500 | 1,611 |
| Average equity | $52,546,250 | 1,711 |
| Average total loans | $454,502,000 | 1,274 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8884% | 1,847 |
| Cost of funding earning assets | 0.3394% | 2,413 |
| Net interest margin | 3.5489% | 1,717 |
| Noninterest income to average assets | 0.1214% | 4,589 |
| Noninterest expense to average assets | 1.9918% | 3,720 |
| Loan and lease loss provision to assets | -0.0229% | 4,441 |
| Net operating income to assets | 1.2200% | 2,108 |
| Return on assets (ROA) | 1.2200% | 2,188 |
| Pretax return on assets | 1.4929% | 2,037 |
| Return on Equity (ROE) | 12.3469% | 1,933 |
| Retained earnings to average equity (ytd only) | 11.7906% | 964 |
| Net charge-offs to loans | -0.1313% | 4,697 |
| Credit loss provision to net charge-offs | 20.3390% | 1,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7428% | 3,441 |
| Assets per employee ($millions) | 9.0265% | 854 |
| Cash dividends to net income (ytd only)* | 4.5056% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8311% | 4,319 |
| Loan loss allowance to noncurrent loans | 217.1075% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.3631% | 2,156 |
| Noncurrent loans to loans | 0.3828% | 2,531 |
| Net loans and leases to total assets | 86.4430% | 69 |
| Net loans and leases to deposits | 97.3312% | 341 |
| Net loans and leases to core deposits | 138.4426% | 89 |
| Total domestic deposits to total assets | 88.8132% | 1,379 |
| Equity capital to assets | 9.9912% | 2,857 |
| Core capital (leverage) ratio | 9.2705% | 3,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0321% | 2,354 |
| Memoranda: | ||
| Average total assets | $523,952,000 | 1,645 |
| Average earning assets | $493,161,000 | 1,625 |
| Average equity | $51,770,000 | 1,723 |
| Average total loans | $449,260,000 | 1,292 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8533% | 1,948 |
| Cost of funding earning assets | 0.3722% | 2,335 |
| Net interest margin | 3.4810% | 1,877 |
| Noninterest income to average assets | 0.1116% | 4,637 |
| Noninterest expense to average assets | 1.9544% | 3,848 |
| Loan and lease loss provision to assets | -0.2309% | 4,829 |
| Net operating income to assets | 1.3425% | 1,702 |
| Return on assets (ROA) | 1.3425% | 1,789 |
| Pretax return on assets | 1.6634% | 1,573 |
| Return on Equity (ROE) | 13.6650% | 1,499 |
| Retained earnings to average equity (ytd only) | 12.5367% | 1,020 |
| Net charge-offs to loans | -0.3758% | 4,874 |
| Credit loss provision to net charge-offs | 72.2892% | 1,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8864% | 3,440 |
| Assets per employee ($millions) | 9.0145% | 826 |
| Cash dividends to net income (ytd only)* | 8.2569% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8408% | 4,325 |
| Loan loss allowance to noncurrent loans | 169.7548% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.4214% | 2,136 |
| Noncurrent loans to loans | 0.4953% | 2,367 |
| Net loans and leases to total assets | 84.3176% | 138 |
| Net loans and leases to deposits | 93.8803% | 500 |
| Net loans and leases to core deposits | 131.9584% | 132 |
| Total domestic deposits to total assets | 89.8139% | 905 |
| Equity capital to assets | 9.8957% | 2,802 |
| Core capital (leverage) ratio | 9.0770% | 3,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2571% | 2,182 |
| Memoranda: | ||
| Average total assets | $519,645,000 | 1,638 |
| Average earning assets | $488,937,000 | 1,618 |
| Average equity | $51,050,000 | 1,735 |
| Average total loans | $441,778,000 | 1,303 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2685% | 1,958 |
| Cost of funding earning assets | 0.6474% | 2,011 |
| Net interest margin | 3.6212% | 2,068 |
| Noninterest income to average assets | 0.1274% | 4,641 |
| Noninterest expense to average assets | 2.1107% | 3,916 |
| Loan and lease loss provision to assets | 0.5142% | 463 |
| Net operating income to assets | 0.5598% | 3,873 |
| Return on assets (ROA) | 0.7023% | 3,558 |
| Pretax return on assets | 1.0512% | 2,875 |
| Return on Equity (ROE) | 6.5815% | 3,376 |
| Retained earnings to average equity (ytd only) | 4.4679% | 2,553 |
| Net charge-offs to loans | 0.3317% | 533 |
| Credit loss provision to net charge-offs | 189.3148% | 2,214 |
| Earnings coverage of net charge-offs (x) | 5.0995% | 2,901 |
| Efficiency ratio | 59.4334% | 3,531 |
| Assets per employee ($millions) | 9.3900% | 649 |
| Cash dividends to net income (ytd only)* | 32.1136% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8253% | 4,367 |
| Loan loss allowance to noncurrent loans | 179.0905% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.3935% | 2,410 |
| Noncurrent loans to loans | 0.4609% | 2,586 |
| Net loans and leases to total assets | 84.2964% | 160 |
| Net loans and leases to deposits | 94.5159% | 628 |
| Net loans and leases to core deposits | 135.2850% | 158 |
| Total domestic deposits to total assets | 89.1875% | 906 |
| Equity capital to assets | 9.7514% | 3,365 |
| Core capital (leverage) ratio | 8.7956% | 3,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9909% | 2,240 |
| Memoranda: | ||
| Average total assets | $451,368,400 | 1,696 |
| Average earning assets | $419,864,400 | 1,693 |
| Average equity | $48,165,400 | 1,751 |
| Average total loans | $369,566,000 | 1,453 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3377% | 1,998 |
| Cost of funding earning assets | 0.7102% | 1,963 |
| Net interest margin | 3.6275% | 2,167 |
| Noninterest income to average assets | 0.1302% | 4,641 |
| Noninterest expense to average assets | 2.2318% | 3,601 |
| Loan and lease loss provision to assets | 0.6929% | 310 |
| Net operating income to assets | 0.3328% | 4,387 |
| Return on assets (ROA) | 0.5298% | 4,047 |
| Pretax return on assets | 0.8173% | 3,600 |
| Return on Equity (ROE) | 4.8413% | 3,936 |
| Retained earnings to average equity (ytd only) | 2.2457% | 3,846 |
| Net charge-offs to loans | 0.4543% | 337 |
| Credit loss provision to net charge-offs | 188.4167% | 2,153 |
| Earnings coverage of net charge-offs (x) | 3.4283% | 2,916 |
| Efficiency ratio | 62.9113% | 2,929 |
| Assets per employee ($millions) | 9.1421% | 668 |
| Cash dividends to net income (ytd only)* | 53.6148% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8236% | 4,306 |
| Loan loss allowance to noncurrent loans | 180.6241% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.4463% | 2,406 |
| Noncurrent loans to loans | 0.4560% | 2,682 |
| Net loans and leases to total assets | 84.4212% | 243 |
| Net loans and leases to deposits | 94.4600% | 889 |
| Net loans and leases to core deposits | 130.7973% | 238 |
| Total domestic deposits to total assets | 89.3723% | 630 |
| Equity capital to assets | 9.5641% | 3,636 |
| Core capital (leverage) ratio | 8.6647% | 4,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9838% | 2,212 |
| Memoranda: | ||
| Average total assets | $435,098,500 | 1,722 |
| Average earning assets | $403,277,000 | 1,731 |
| Average equity | $47,616,500 | 1,754 |
| Average total loans | $352,215,000 | 1,494 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4744% | 1,993 |
| Cost of funding earning assets | 0.7760% | 1,959 |
| Net interest margin | 3.6984% | 2,169 |
| Noninterest income to average assets | 0.1294% | 4,655 |
| Noninterest expense to average assets | 2.3654% | 3,358 |
| Loan and lease loss provision to assets | 0.8601% | 267 |
| Net operating income to assets | 0.0845% | 4,704 |
| Return on assets (ROA) | 0.3986% | 4,292 |
| Pretax return on assets | 0.7092% | 3,851 |
| Return on Equity (ROE) | 3.4600% | 4,251 |
| Retained earnings to average equity (ytd only) | -0.4707% | 4,398 |
| Net charge-offs to loans | 0.7017% | 222 |
| Credit loss provision to net charge-offs | 154.7452% | 2,107 |
| Earnings coverage of net charge-offs (x) | 2.1081% | 2,801 |
| Efficiency ratio | 65.8105% | 2,549 |
| Assets per employee ($millions) | 7.0715% | 1,401 |
| Cash dividends to net income (ytd only)* | 113.6029% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8756% | 4,101 |
| Loan loss allowance to noncurrent loans | 157.3140% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.5334% | 2,226 |
| Noncurrent loans to loans | 0.5566% | 2,497 |
| Net loans and leases to total assets | 82.6999% | 351 |
| Net loans and leases to deposits | 94.2925% | 932 |
| Net loans and leases to core deposits | 99.4674% | 1,296 |
| Total domestic deposits to total assets | 87.7057% | 1,326 |
| Equity capital to assets | 11.0733% | 2,272 |
| Core capital (leverage) ratio | 9.9374% | 2,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4954% | 1,633 |
| Memoranda: | ||
| Average total assets | $409,479,000 | 1,781 |
| Average earning assets | $377,303,333 | 1,796 |
| Average equity | $47,167,333 | 1,760 |
| Average total loans | $324,357,000 | 1,574 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5883% | 2,033 |
| Cost of funding earning assets | 0.8812% | 1,963 |
| Net interest margin | 3.7071% | 2,301 |
| Noninterest income to average assets | 0.1335% | 4,703 |
| Noninterest expense to average assets | 2.4700% | 3,359 |
| Loan and lease loss provision to assets | 1.2947% | 135 |
| Net operating income to assets | -0.3824% | 4,908 |
| Return on assets (ROA) | -0.3824% | 4,882 |
| Pretax return on assets | -0.2238% | 4,823 |
| Return on Equity (ROE) | -3.2517% | 4,879 |
| Retained earnings to average equity (ytd only) | -11.1633% | 4,799 |
| Net charge-offs to loans | 0.8089% | 183 |
| Credit loss provision to net charge-offs | 208.0645% | 1,396 |
| Earnings coverage of net charge-offs (x) | 1.7210% | 2,352 |
| Efficiency ratio | 68.7358% | 2,551 |
| Assets per employee ($millions) | 6.2272% | 1,501 |
| Cash dividends to net income (ytd only)* | -243.3071% | 5,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 3,420 |
| Loan loss allowance to noncurrent loans | 119.8651% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.7560% | 1,789 |
| Noncurrent loans to loans | 0.8804% | 1,852 |
| Net loans and leases to total assets | 76.4266% | 1,224 |
| Net loans and leases to deposits | 87.1189% | 1,851 |
| Net loans and leases to core deposits | 91.6617% | 2,199 |
| Total domestic deposits to total assets | 87.7268% | 1,218 |
| Equity capital to assets | 11.8776% | 2,158 |
| Core capital (leverage) ratio | 10.0930% | 3,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7576% | 1,670 |
| Memoranda: | ||
| Average total assets | $398,538,000 | 1,770 |
| Average earning assets | $366,320,000 | 1,790 |
| Average equity | $46,868,000 | 1,762 |
| Average total loans | $306,592,500 | 1,615 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8731% | 1,837 |
| Cost of funding earning assets | 1.0400% | 1,559 |
| Net interest margin | 3.8331% | 2,398 |
| Noninterest income to average assets | 0.1679% | 4,650 |
| Noninterest expense to average assets | 2.2662% | 4,033 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9841% | 2,899 |
| Return on assets (ROA) | 0.9841% | 2,979 |
| Pretax return on assets | 1.4383% | 2,021 |
| Return on Equity (ROE) | 8.4280% | 2,973 |
| Retained earnings to average equity (ytd only) | -1.8630% | 4,865 |
| Net charge-offs to loans | 0.0530% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 34.2722% | 1,451 |
| Efficiency ratio | 60.1957% | 3,662 |
| Assets per employee ($millions) | 6.7461% | 1,154 |
| Cash dividends to net income (ytd only)* | 122.1045% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8151% | 4,258 |
| Loan loss allowance to noncurrent loans | 211.3712% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.3691% | 2,925 |
| Noncurrent loans to loans | 0.3856% | 3,056 |
| Net loans and leases to total assets | 76.0019% | 1,417 |
| Net loans and leases to deposits | 86.4447% | 2,032 |
| Net loans and leases to core deposits | 98.1774% | 1,713 |
| Total domestic deposits to total assets | 87.9197% | 1,164 |
| Equity capital to assets | 11.6460% | 2,387 |
| Core capital (leverage) ratio | 10.3255% | 3,162 |
| Tier 1 risk-based capital ratio | 15.7764% | 2,478 |
| Total risk-based capital ratio | 16.7652% | 2,507 |
| Memoranda: | ||
| Average total assets | $402,702,400 | 1,733 |
| Average earning assets | $371,552,000 | 1,745 |
| Average equity | $47,022,000 | 1,685 |
| Average total loans | $318,696,800 | 1,531 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9261% | 1,741 |
| Cost of funding earning assets | 1.0641% | 1,488 |
| Net interest margin | 3.8621% | 2,395 |
| Noninterest income to average assets | 0.1707% | 4,695 |
| Noninterest expense to average assets | 2.2881% | 3,983 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9902% | 3,016 |
| Return on assets (ROA) | 0.9902% | 3,091 |
| Pretax return on assets | 1.4454% | 2,136 |
| Return on Equity (ROE) | 8.4749% | 3,126 |
| Retained earnings to average equity (ytd only) | -2.6925% | 4,971 |
| Net charge-offs to loans | 0.0328% | 2,414 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 55.1903% | 1,123 |
| Efficiency ratio | 60.3179% | 3,580 |
| Assets per employee ($millions) | 6.9215% | 1,053 |
| Cash dividends to net income (ytd only)* | 131.7709% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8589% | 4,200 |
| Loan loss allowance to noncurrent loans | 122.5082% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.6172% | 2,151 |
| Noncurrent loans to loans | 0.7011% | 2,204 |
| Net loans and leases to total assets | 76.5946% | 1,375 |
| Net loans and leases to deposits | 87.4589% | 2,000 |
| Net loans and leases to core deposits | 99.3327% | 1,714 |
| Total domestic deposits to total assets | 87.5778% | 1,227 |
| Equity capital to assets | 11.9713% | 2,281 |
| Core capital (leverage) ratio | 10.1813% | 3,443 |
| Tier 1 risk-based capital ratio | 15.6143% | 2,596 |
| Total risk-based capital ratio | 16.6439% | 2,609 |
| Memoranda: | ||
| Average total assets | $402,186,750 | 1,746 |
| Average earning assets | $371,017,750 | 1,755 |
| Average equity | $46,992,750 | 1,688 |
| Average total loans | $320,831,750 | 1,538 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9104% | 1,720 |
| Cost of funding earning assets | 1.0569% | 1,465 |
| Net interest margin | 3.8535% | 2,398 |
| Noninterest income to average assets | 0.1730% | 4,716 |
| Noninterest expense to average assets | 2.2513% | 4,122 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0061% | 2,901 |
| Return on assets (ROA) | 1.0061% | 2,968 |
| Pretax return on assets | 1.4765% | 1,933 |
| Return on Equity (ROE) | 8.6798% | 2,985 |
| Retained earnings to average equity (ytd only) | -2.5579% | 4,951 |
| Net charge-offs to loans | 0.0264% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 69.4884% | 898 |
| Efficiency ratio | 59.4247% | 3,805 |
| Assets per employee ($millions) | 6.8225% | 1,081 |
| Cash dividends to net income (ytd only)* | 129.4695% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8243% | 4,350 |
| Loan loss allowance to noncurrent loans | 213.5157% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.3828% | 2,976 |
| Noncurrent loans to loans | 0.3860% | 3,146 |
| Net loans and leases to total assets | 79.3307% | 997 |
| Net loans and leases to deposits | 90.1409% | 1,723 |
| Net loans and leases to core deposits | 102.1497% | 1,539 |
| Total domestic deposits to total assets | 88.0075% | 1,097 |
| Equity capital to assets | 11.7103% | 2,432 |
| Core capital (leverage) ratio | 9.9290% | 3,663 |
| Tier 1 risk-based capital ratio | 15.0434% | 2,822 |
| Total risk-based capital ratio | 16.0587% | 2,842 |
| Memoranda: | ||
| Average total assets | $404,739,670 | 1,743 |
| Average earning assets | $373,372,670 | 1,751 |
| Average equity | $46,913,670 | 1,687 |
| Average total loans | $326,174,000 | 1,530 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8504% | 1,770 |
| Cost of funding earning assets | 1.0141% | 1,508 |
| Net interest margin | 3.8363% | 2,390 |
| Noninterest income to average assets | 0.1744% | 4,695 |
| Noninterest expense to average assets | 2.3240% | 3,961 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9925% | 2,876 |
| Return on assets (ROA) | 0.9925% | 2,910 |
| Pretax return on assets | 1.3887% | 2,128 |
| Return on Equity (ROE) | 8.6065% | 2,985 |
| Retained earnings to average equity (ytd only) | 0.6495% | 4,399 |
| Net charge-offs to loans | 0.0024% | 2,669 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 704.5000% | 96 |
| Efficiency ratio | 61.6406% | 3,588 |
| Assets per employee ($millions) | 6.7487% | 1,111 |
| Cash dividends to net income (ytd only)* | 92.4528% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8266% | 4,432 |
| Loan loss allowance to noncurrent loans | 382.2695% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.2477% | 3,625 |
| Noncurrent loans to loans | 0.2162% | 3,816 |
| Net loans and leases to total assets | 79.8568% | 858 |
| Net loans and leases to deposits | 90.7030% | 1,541 |
| Net loans and leases to core deposits | 103.0203% | 1,381 |
| Total domestic deposits to total assets | 88.0421% | 1,317 |
| Equity capital to assets | 11.6484% | 2,273 |
| Core capital (leverage) ratio | 9.9302% | 3,680 |
| Tier 1 risk-based capital ratio | 15.3713% | 2,717 |
| Total risk-based capital ratio | 16.4237% | 2,715 |
| Memoranda: | ||
| Average total assets | $405,847,000 | 1,751 |
| Average earning assets | $374,316,000 | 1,755 |
| Average equity | $46,802,000 | 1,675 |
| Average total loans | $328,271,000 | 1,527 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5585% | 2,261 |
| Cost of funding earning assets | 0.6828% | 2,194 |
| Net interest margin | 3.8757% | 2,412 |
| Noninterest income to average assets | 0.1883% | 4,779 |
| Noninterest expense to average assets | 2.1604% | 4,427 |
| Loan and lease loss provision to assets | 0.1599% | 1,287 |
| Net operating income to assets | 1.1199% | 2,517 |
| Return on assets (ROA) | 1.1131% | 2,544 |
| Pretax return on assets | 1.4165% | 2,082 |
| Return on Equity (ROE) | 10.2670% | 2,411 |
| Retained earnings to average equity (ytd only) | 2.6869% | 4,061 |
| Net charge-offs to loans | -0.0297% | 4,808 |
| Credit loss provision to net charge-offs | -725.8065% | 4,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7282% | 4,316 |
| Assets per employee ($millions) | 6.5609% | 1,188 |
| Cash dividends to net income (ytd only)* | 73.8298% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8161% | 4,476 |
| Loan loss allowance to noncurrent loans | 377.2028% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.2515% | 3,588 |
| Noncurrent loans to loans | 0.2163% | 3,805 |
| Net loans and leases to total assets | 80.5838% | 852 |
| Net loans and leases to deposits | 94.4425% | 1,232 |
| Net loans and leases to core deposits | 106.3648% | 1,243 |
| Total domestic deposits to total assets | 85.3257% | 2,500 |
| Equity capital to assets | 11.4159% | 2,316 |
| Core capital (leverage) ratio | 9.7951% | 3,801 |
| Tier 1 risk-based capital ratio | 14.9381% | 2,856 |
| Total risk-based capital ratio | 15.9766% | 2,884 |
| Memoranda: | ||
| Average total assets | $422,233,000 | 1,616 |
| Average earning assets | $387,520,200 | 1,633 |
| Average equity | $45,777,800 | 1,643 |
| Average total loans | $313,159,200 | 1,539 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4953% | 2,325 |
| Cost of funding earning assets | 0.6236% | 2,312 |
| Net interest margin | 3.8718% | 2,398 |
| Noninterest income to average assets | 0.1802% | 4,882 |
| Noninterest expense to average assets | 2.1688% | 4,392 |
| Loan and lease loss provision to assets | 0.1877% | 956 |
| Net operating income to assets | 1.1156% | 2,598 |
| Return on assets (ROA) | 1.1064% | 2,648 |
| Pretax return on assets | 1.3621% | 2,370 |
| Return on Equity (ROE) | 10.3360% | 2,464 |
| Retained earnings to average equity (ytd only) | 2.8500% | 4,294 |
| Net charge-offs to loans | -0.0151% | 4,522 |
| Credit loss provision to net charge-offs | -1,714.2857% | 4,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1896% | 4,227 |
| Assets per employee ($millions) | 6.7708% | 1,034 |
| Cash dividends to net income (ytd only)* | 72.4264% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7854% | 4,673 |
| Loan loss allowance to noncurrent loans | 551.3978% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.1903% | 3,987 |
| Noncurrent loans to loans | 0.1424% | 4,245 |
| Net loans and leases to total assets | 79.7234% | 1,061 |
| Net loans and leases to deposits | 93.2293% | 1,472 |
| Net loans and leases to core deposits | 105.7071% | 1,332 |
| Total domestic deposits to total assets | 85.5132% | 2,391 |
| Equity capital to assets | 11.2685% | 2,414 |
| Core capital (leverage) ratio | 9.5403% | 4,127 |
| Tier 1 risk-based capital ratio | 14.8284% | 2,955 |
| Total risk-based capital ratio | 15.8281% | 3,000 |
| Memoranda: | ||
| Average total assets | $426,098,000 | 1,616 |
| Average earning assets | $390,649,000 | 1,627 |
| Average equity | $45,613,000 | 1,648 |
| Average total loans | $308,826,500 | 1,558 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3589% | 2,548 |
| Cost of funding earning assets | 0.5831% | 2,344 |
| Net interest margin | 3.7758% | 2,650 |
| Noninterest income to average assets | 0.1687% | 4,981 |
| Noninterest expense to average assets | 2.1418% | 4,504 |
| Loan and lease loss provision to assets | 0.2080% | 810 |
| Net operating income to assets | 1.1239% | 2,504 |
| Return on assets (ROA) | 1.1093% | 2,554 |
| Pretax return on assets | 1.2590% | 2,681 |
| Return on Equity (ROE) | 10.5360% | 2,314 |
| Retained earnings to average equity (ytd only) | 3.4725% | 3,846 |
| Net charge-offs to loans | -0.0066% | 4,175 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0826% | 4,219 |
| Assets per employee ($millions) | 6.3236% | 1,257 |
| Cash dividends to net income (ytd only)* | 67.0417% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7342% | 4,856 |
| Loan loss allowance to noncurrent loans | 265.6285% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.2929% | 3,593 |
| Noncurrent loans to loans | 0.2764% | 3,717 |
| Net loans and leases to total assets | 78.5488% | 1,239 |
| Net loans and leases to deposits | 93.5712% | 1,409 |
| Net loans and leases to core deposits | 97.7969% | 1,907 |
| Total domestic deposits to total assets | 83.9455% | 3,086 |
| Equity capital to assets | 11.1422% | 2,514 |
| Core capital (leverage) ratio | 9.1146% | 4,567 |
| Tier 1 risk-based capital ratio | 14.4466% | 3,140 |
| Total risk-based capital ratio | 15.3737% | 3,220 |
| Memoranda: | ||
| Average total assets | $432,715,000 | 1,602 |
| Average earning assets | $396,155,000 | 1,620 |
| Average equity | $45,558,000 | 1,654 |
| Average total loans | $302,956,000 | 1,589 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1891% | 2,916 |
| Cost of funding earning assets | 0.5618% | 2,306 |
| Net interest margin | 3.6273% | 3,082 |
| Noninterest income to average assets | 0.1668% | 5,023 |
| Noninterest expense to average assets | 2.1788% | 4,464 |
| Loan and lease loss provision to assets | 0.3382% | 364 |
| Net operating income to assets | 0.9694% | 2,987 |
| Return on assets (ROA) | 0.9370% | 3,141 |
| Pretax return on assets | 0.9307% | 3,753 |
| Return on Equity (ROE) | 9.1465% | 2,834 |
| Retained earnings to average equity (ytd only) | 1.3205% | 4,538 |
| Net charge-offs to loans | -0.0014% | 3,778 |
| Credit loss provision to net charge-offs | -37,500.0000% | 4,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6222% | 3,852 |
| Assets per employee ($millions) | 6.6136% | 1,143 |
| Cash dividends to net income (ytd only)* | 85.5630% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7247% | 4,973 |
| Loan loss allowance to noncurrent loans | 2,195.2381% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 4,606 |
| Noncurrent loans to loans | 0.0330% | 4,825 |
| Net loans and leases to total assets | 73.4474% | 1,958 |
| Net loans and leases to deposits | 85.7663% | 2,193 |
| Net loans and leases to core deposits | 90.3589% | 2,422 |
| Total domestic deposits to total assets | 85.6367% | 2,701 |
| Equity capital to assets | 10.5160% | 3,062 |
| Core capital (leverage) ratio | 8.4883% | 5,149 |
| Tier 1 risk-based capital ratio | 14.4634% | 3,139 |
| Total risk-based capital ratio | 15.3886% | 3,231 |
| Memoranda: | ||
| Average total assets | $443,557,000 | 1,582 |
| Average earning assets | $405,151,500 | 1,601 |
| Average equity | $45,438,000 | 1,661 |
| Average total loans | $291,810,000 | 1,648 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2903% | 2,360 |
| Cost of funding earning assets | 0.4548% | 2,724 |
| Net interest margin | 3.8355% | 2,305 |
| Noninterest income to average assets | 0.1612% | 5,153 |
| Noninterest expense to average assets | 2.4454% | 3,951 |
| Loan and lease loss provision to assets | 0.1251% | 1,827 |
| Net operating income to assets | 0.6962% | 3,618 |
| Return on assets (ROA) | 0.6687% | 3,780 |
| Pretax return on assets | 1.0334% | 3,444 |
| Return on Equity (ROE) | 6.1110% | 3,714 |
| Retained earnings to average equity (ytd only) | 1.8189% | 4,227 |
| Net charge-offs to loans | -0.0156% | 4,886 |
| Credit loss provision to net charge-offs | -1,162.1622% | 5,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8073% | 3,306 |
| Assets per employee ($millions) | 6.4398% | 1,239 |
| Cash dividends to net income (ytd only)* | 70.2350% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7264% | 5,015 |
| Loan loss allowance to noncurrent loans | 248.2625% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.2377% | 3,953 |
| Noncurrent loans to loans | 0.2926% | 3,730 |
| Net loans and leases to total assets | 57.6617% | 4,038 |
| Net loans and leases to deposits | 64.4754% | 4,291 |
| Net loans and leases to core deposits | 68.6855% | 4,250 |
| Total domestic deposits to total assets | 89.4322% | 808 |
| Equity capital to assets | 9.9883% | 3,722 |
| Core capital (leverage) ratio | 10.7730% | 2,563 |
| Tier 1 risk-based capital ratio | 17.7338% | 1,883 |
| Total risk-based capital ratio | 18.6725% | 1,918 |
| Memoranda: | ||
| Average total assets | $343,629,000 | 1,947 |
| Average earning assets | $312,212,600 | 1,976 |
| Average equity | $37,604,600 | 1,946 |
| Average total loans | $237,609,000 | 1,890 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5381% | 1,537 |
| Cost of funding earning assets | 0.4367% | 2,843 |
| Net interest margin | 4.1014% | 1,384 |
| Noninterest income to average assets | 0.1569% | 5,235 |
| Noninterest expense to average assets | 2.7205% | 2,995 |
| Loan and lease loss provision to assets | 0.1438% | 1,465 |
| Net operating income to assets | 1.1923% | 1,729 |
| Return on assets (ROA) | 1.1310% | 2,011 |
| Pretax return on assets | 0.9618% | 3,830 |
| Return on Equity (ROE) | 10.0180% | 2,126 |
| Retained earnings to average equity (ytd only) | 6.5937% | 1,910 |
| Net charge-offs to loans | -0.0168% | 4,793 |
| Credit loss provision to net charge-offs | -1,172.4138% | 4,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5671% | 2,775 |
| Assets per employee ($millions) | 5.0574% | 2,385 |
| Cash dividends to net income (ytd only)* | 34.1811% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6947% | 5,145 |
| Loan loss allowance to noncurrent loans | 1,356.2963% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.2234% | 4,169 |
| Noncurrent loans to loans | 0.0512% | 4,882 |
| Net loans and leases to total assets | 80.8614% | 863 |
| Net loans and leases to deposits | 94.6848% | 1,230 |
| Net loans and leases to core deposits | 96.7045% | 2,002 |
| Total domestic deposits to total assets | 85.4006% | 2,556 |
| Equity capital to assets | 11.4205% | 2,449 |
| Core capital (leverage) ratio | 9.0655% | 4,668 |
| Tier 1 risk-based capital ratio | 13.9241% | 3,480 |
| Total risk-based capital ratio | 14.8409% | 3,564 |
| Memoranda: | ||
| Average total assets | $315,229,500 | 2,101 |
| Average earning assets | $286,721,500 | 2,129 |
| Average equity | $35,588,500 | 2,052 |
| Average total loans | $230,617,750 | 1,943 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4102% | 1,781 |
| Cost of funding earning assets | 0.3857% | 3,227 |
| Net interest margin | 4.0245% | 1,533 |
| Noninterest income to average assets | 0.1146% | 5,465 |
| Noninterest expense to average assets | 2.7246% | 2,998 |
| Loan and lease loss provision to assets | 0.1024% | 1,977 |
| Net operating income to assets | 0.9060% | 2,885 |
| Return on assets (ROA) | 0.8169% | 3,372 |
| Pretax return on assets | 0.8553% | 4,086 |
| Return on Equity (ROE) | 7.2645% | 3,418 |
| Retained earnings to average equity (ytd only) | 4.4236% | 3,079 |
| Net charge-offs to loans | -0.0474% | 5,150 |
| Credit loss provision to net charge-offs | -307.6923% | 4,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4765% | 2,588 |
| Assets per employee ($millions) | 4.7658% | 2,696 |
| Cash dividends to net income (ytd only)* | 39.1066% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6768% | 5,250 |
| Loan loss allowance to noncurrent loans | 511.9266% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.2477% | 4,140 |
| Noncurrent loans to loans | 0.1322% | 4,593 |
| Net loans and leases to total assets | 78.0985% | 1,236 |
| Net loans and leases to deposits | 91.0493% | 1,601 |
| Net loans and leases to core deposits | 92.8614% | 2,262 |
| Total domestic deposits to total assets | 85.7761% | 2,485 |
| Equity capital to assets | 11.4526% | 2,362 |
| Core capital (leverage) ratio | 8.7235% | 5,029 |
| Tier 1 risk-based capital ratio | 14.0287% | 3,418 |
| Total risk-based capital ratio | 14.9126% | 3,536 |
| Memoranda: | ||
| Average total assets | $312,415,670 | 2,118 |
| Average earning assets | $284,159,000 | 2,148 |
| Average equity | $35,129,670 | 2,069 |
| Average total loans | $219,638,330 | 2,012 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2945% | 1,962 |
| Cost of funding earning assets | 0.3418% | 3,619 |
| Net interest margin | 3.9528% | 1,600 |
| Noninterest income to average assets | 0.0360% | 5,749 |
| Noninterest expense to average assets | 2.7686% | 2,894 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4809% | 4,670 |
| Return on assets (ROA) | 0.5730% | 4,315 |
| Pretax return on assets | 1.0072% | 3,339 |
| Return on Equity (ROE) | 5.1437% | 4,323 |
| Retained earnings to average equity (ytd only) | 2.5257% | 4,132 |
| Net charge-offs to loans | 0.0039% | 2,840 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 336.0000% | 179 |
| Efficiency ratio | 73.7531% | 2,276 |
| Assets per employee ($millions) | 4.4177% | 3,298 |
| Cash dividends to net income (ytd only)* | 50.8969% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7023% | 5,301 |
| Loan loss allowance to noncurrent loans | 290.2584% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.1922% | 4,478 |
| Noncurrent loans to loans | 0.2420% | 4,240 |
| Net loans and leases to total assets | 65.8085% | 3,001 |
| Net loans and leases to deposits | 74.2041% | 3,381 |
| Net loans and leases to core deposits | 81.0927% | 3,189 |
| Total domestic deposits to total assets | 88.6858% | 1,330 |
| Equity capital to assets | 11.1120% | 2,518 |
| Core capital (leverage) ratio | 8.8415% | 4,915 |
| Tier 1 risk-based capital ratio | 14.8485% | 3,049 |
| Total risk-based capital ratio | 15.6741% | 3,169 |
| Memoranda: | ||
| Average total assets | $311,353,500 | 2,143 |
| Average earning assets | $283,244,000 | 2,176 |
| Average equity | $34,683,000 | 2,098 |
| Average total loans | $205,795,000 | 2,132 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7339% | 995 |
| Cost of funding earning assets | 0.3111% | 3,947 |
| Net interest margin | 4.4228% | 737 |
| Noninterest income to average assets | 0.0815% | 5,692 |
| Noninterest expense to average assets | 2.9301% | 2,558 |
| Loan and lease loss provision to assets | 0.0284% | 3,785 |
| Net operating income to assets | 0.6653% | 3,925 |
| Return on assets (ROA) | 0.6653% | 4,043 |
| Pretax return on assets | 1.1491% | 2,898 |
| Return on Equity (ROE) | 5.0168% | 4,428 |
| Retained earnings to average equity (ytd only) | 0.6403% | 5,070 |
| Net charge-offs to loans | 0.0038% | 4,117 |
| Credit loss provision to net charge-offs | 1,071.4286% | 364 |
| Earnings coverage of net charge-offs (x) | 443.7143% | 186 |
| Efficiency ratio | 69.7739% | 2,942 |
| Assets per employee ($millions) | 4.6825% | 2,816 |
| Cash dividends to net income (ytd only)* | 87.2365% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7177% | 5,329 |
| Loan loss allowance to noncurrent loans | 363.6816% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.1327% | 4,787 |
| Noncurrent loans to loans | 0.1973% | 4,450 |
| Net loans and leases to total assets | 65.4441% | 3,152 |
| Net loans and leases to deposits | 75.8570% | 3,330 |
| Net loans and leases to core deposits | 76.8999% | 3,671 |
| Total domestic deposits to total assets | 86.2730% | 2,471 |
| Equity capital to assets | 11.1672% | 2,457 |
| Core capital (leverage) ratio | 8.7990% | 4,966 |
| Tier 1 risk-based capital ratio | 15.0435% | 2,946 |
| Total risk-based capital ratio | 15.8940% | 3,067 |
| Memoranda: | ||
| Average total assets | $263,782,600 | 2,402 |
| Average earning assets | $240,117,600 | 2,431 |
| Average equity | $34,982,600 | 2,076 |
| Average total loans | $182,647,400 | 2,286 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8269% | 843 |
| Cost of funding earning assets | 0.3103% | 3,974 |
| Net interest margin | 4.5166% | 603 |
| Noninterest income to average assets | -0.0401% | 5,950 |
| Noninterest expense to average assets | 3.0102% | 2,292 |
| Loan and lease loss provision to assets | 0.0158% | 3,927 |
| Net operating income to assets | 0.5424% | 4,530 |
| Return on assets (ROA) | 0.5424% | 4,634 |
| Pretax return on assets | 1.0462% | 3,445 |
| Return on Equity (ROE) | 3.9011% | 4,937 |
| Retained earnings to average equity (ytd only) | -1.2573% | 5,523 |
| Net charge-offs to loans | 0.0241% | 3,189 |
| Credit loss provision to net charge-offs | 93.7500% | 2,474 |
| Earnings coverage of net charge-offs (x) | 62.8374% | 923 |
| Efficiency ratio | 72.2993% | 2,532 |
| Assets per employee ($millions) | 4.5689% | 2,974 |
| Cash dividends to net income (ytd only)* | 132.2296% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6983% | 5,432 |
| Loan loss allowance to noncurrent loans | 416.7665% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.1177% | 4,957 |
| Noncurrent loans to loans | 0.1676% | 4,688 |
| Net loans and leases to total assets | 65.6431% | 3,179 |
| Net loans and leases to deposits | 75.9077% | 3,408 |
| Net loans and leases to core deposits | 76.9033% | 3,760 |
| Total domestic deposits to total assets | 86.4775% | 2,139 |
| Equity capital to assets | 11.6707% | 2,382 |
| Core capital (leverage) ratio | 8.5421% | 5,326 |
| Tier 1 risk-based capital ratio | 14.9060% | 3,094 |
| Total risk-based capital ratio | 15.7376% | 3,228 |
| Memoranda: | ||
| Average total assets | $252,466,500 | 2,493 |
| Average earning assets | $229,871,500 | 2,521 |
| Average equity | $35,100,250 | 2,081 |
| Average total loans | $177,380,500 | 2,340 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8877% | 742 |
| Cost of funding earning assets | 0.3094% | 4,024 |
| Net interest margin | 4.5783% | 526 |
| Noninterest income to average assets | 0.7190% | 2,055 |
| Noninterest expense to average assets | 2.8582% | 2,811 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4439% | 982 |
| Return on assets (ROA) | 1.4439% | 1,032 |
| Pretax return on assets | 2.0284% | 539 |
| Return on Equity (ROE) | 9.6405% | 2,208 |
| Retained earnings to average equity (ytd only) | 4.3148% | 3,178 |
| Net charge-offs to loans | -0.0106% | 4,715 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5558% | 4,965 |
| Assets per employee ($millions) | 4.3796% | 3,249 |
| Cash dividends to net income (ytd only)* | 55.2431% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6980% | 5,525 |
| Loan loss allowance to noncurrent loans | 911.0390% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 5,336 |
| Noncurrent loans to loans | 0.0766% | 5,143 |
| Net loans and leases to total assets | 66.0531% | 3,074 |
| Net loans and leases to deposits | 75.3495% | 3,450 |
| Net loans and leases to core deposits | 76.4461% | 3,785 |
| Total domestic deposits to total assets | 87.6624% | 1,593 |
| Equity capital to assets | 11.9809% | 2,135 |
| Core capital (leverage) ratio | 8.2516% | 5,570 |
| Tier 1 risk-based capital ratio | 15.0453% | 3,059 |
| Total risk-based capital ratio | 15.9023% | 3,172 |
| Memoranda: | ||
| Average total assets | $236,439,000 | 2,629 |
| Average earning assets | $215,234,670 | 2,663 |
| Average equity | $35,413,000 | 2,068 |
| Average total loans | $170,061,330 | 2,411 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5819% | 1,308 |
| Cost of funding earning assets | 0.2634% | 4,571 |
| Net interest margin | 4.3185% | 897 |
| Noninterest income to average assets | 0.1651% | 5,506 |
| Noninterest expense to average assets | 2.8689% | 2,818 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7565% | 3,453 |
| Return on assets (ROA) | 0.7565% | 3,560 |
| Pretax return on assets | 1.2596% | 2,472 |
| Return on Equity (ROE) | 4.3979% | 4,742 |
| Retained earnings to average equity (ytd only) | -1.9762% | 5,383 |
| Net charge-offs to loans | 0.0285% | 2,372 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 58.2727% | 800 |
| Efficiency ratio | 68.7768% | 3,333 |
| Assets per employee ($millions) | 4.9962% | 2,345 |
| Cash dividends to net income (ytd only)* | 144.9351% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8777% | 5,129 |
| Loan loss allowance to noncurrent loans | 338.1418% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.1997% | 4,758 |
| Noncurrent loans to loans | 0.2596% | 4,508 |
| Net loans and leases to total assets | 76.2508% | 1,355 |
| Net loans and leases to deposits | 95.0896% | 1,034 |
| Net loans and leases to core deposits | 96.9505% | 1,711 |
| Total domestic deposits to total assets | 80.1884% | 4,702 |
| Equity capital to assets | 17.0929% | 413 |
| Core capital (leverage) ratio | 14.4778% | 704 |
| Tier 1 risk-based capital ratio | 22.4448% | 1,097 |
| Total risk-based capital ratio | 23.5234% | 1,104 |
| Memoranda: | ||
| Average total assets | $203,563,500 | 2,947 |
| Average earning assets | $186,822,500 | 2,969 |
| Average equity | $35,017,000 | 2,085 |
| Average total loans | $154,587,500 | 2,589 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 2,107 |
| Cost of funding earning assets | 0.2765% | 4,518 |
| Net interest margin | 4.0581% | 1,537 |
| Noninterest income to average assets | 3.9807% | 158 |
| Noninterest expense to average assets | 2.9320% | 2,756 |
| Loan and lease loss provision to assets | -0.0261% | 5,677 |
| Net operating income to assets | 4.1407% | 56 |
| Return on assets (ROA) | 4.1884% | 57 |
| Pretax return on assets | 4.8003% | 54 |
| Return on Equity (ROE) | 23.0778% | 133 |
| Retained earnings to average equity (ytd only) | 17.8786% | 81 |
| Net charge-offs to loans | -0.0601% | 5,613 |
| Credit loss provision to net charge-offs | 58.8235% | 3,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.1924% | 6,087 |
| Assets per employee ($millions) | 5.0571% | 2,295 |
| Cash dividends to net income (ytd only)* | 22.5288% | 3,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9195% | 5,013 |
| Loan loss allowance to noncurrent loans | 404.0580% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.2170% | 4,732 |
| Noncurrent loans to loans | 0.2276% | 4,614 |
| Net loans and leases to total assets | 74.2538% | 1,686 |
| Net loans and leases to deposits | 90.0546% | 1,605 |
| Net loans and leases to core deposits | 91.7886% | 2,245 |
| Total domestic deposits to total assets | 82.4542% | 4,036 |
| Equity capital to assets | 17.3125% | 379 |
| Core capital (leverage) ratio | 15.3473% | 559 |
| Tier 1 risk-based capital ratio | 24.7822% | 834 |
| Total risk-based capital ratio | 25.9055% | 831 |
| Memoranda: | ||
| Average total assets | $153,137,200 | 3,523 |
| Average earning assets | $138,511,800 | 3,554 |
| Average equity | $27,793,000 | 2,481 |
| Average total loans | $113,204,400 | 3,146 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0852% | 3,003 |
| Cost of funding earning assets | 0.2660% | 4,707 |
| Net interest margin | 3.8191% | 2,308 |
| Noninterest income to average assets | 5.3313% | 121 |
| Noninterest expense to average assets | 2.9042% | 2,836 |
| Loan and lease loss provision to assets | -0.0379% | 5,889 |
| Net operating income to assets | 5.2547% | 44 |
| Return on assets (ROA) | 5.3246% | 44 |
| Pretax return on assets | 5.9816% | 43 |
| Return on Equity (ROE) | 28.8607% | 64 |
| Retained earnings to average equity (ytd only) | 23.0321% | 55 |
| Net charge-offs to loans | -0.0643% | 5,634 |
| Credit loss provision to net charge-offs | 80.0000% | 2,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.1174% | 6,209 |
| Assets per employee ($millions) | 7.8864% | 570 |
| Cash dividends to net income (ytd only)* | 20.1956% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9427% | 5,008 |
| Loan loss allowance to noncurrent loans | 380.1105% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.2980% | 4,576 |
| Noncurrent loans to loans | 0.2480% | 4,685 |
| Net loans and leases to total assets | 70.5141% | 2,314 |
| Net loans and leases to deposits | 84.1655% | 2,390 |
| Net loans and leases to core deposits | 85.8797% | 2,863 |
| Total domestic deposits to total assets | 83.7803% | 3,515 |
| Equity capital to assets | 15.9178% | 570 |
| Core capital (leverage) ratio | 24.1744% | 104 |
| Tier 1 risk-based capital ratio | 22.8394% | 1,076 |
| Total risk-based capital ratio | 23.9600% | 1,075 |
| Memoranda: | ||
| Average total assets | $140,851,000 | 3,742 |
| Average earning assets | $126,797,000 | 3,800 |
| Average equity | $25,986,250 | 2,644 |
| Average total loans | $103,606,500 | 3,353 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8086% | 879 |
| Cost of funding earning assets | 0.3083% | 4,304 |
| Net interest margin | 4.5003% | 637 |
| Noninterest income to average assets | 1.2407% | 789 |
| Noninterest expense to average assets | 3.3369% | 1,610 |
| Loan and lease loss provision to assets | 0.1507% | 1,413 |
| Net operating income to assets | 1.0462% | 2,152 |
| Return on assets (ROA) | 1.1352% | 1,904 |
| Pretax return on assets | 1.9003% | 732 |
| Return on Equity (ROE) | 5.7050% | 4,276 |
| Retained earnings to average equity (ytd only) | -2.2887% | 5,858 |
| Net charge-offs to loans | 0.0536% | 2,650 |
| Credit loss provision to net charge-offs | 375.0000% | 778 |
| Earnings coverage of net charge-offs (x) | 47.5833% | 989 |
| Efficiency ratio | 63.5726% | 4,415 |
| Assets per employee ($millions) | 3.8777% | 4,116 |
| Cash dividends to net income (ytd only)* | 140.1180% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5999% | 1,913 |
| Loan loss allowance to noncurrent loans | 384.9462% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 1.8920% | 1,198 |
| Noncurrent loans to loans | 0.4156% | 4,230 |
| Net loans and leases to total assets | 75.7113% | 1,406 |
| Net loans and leases to deposits | 95.6412% | 995 |
| Net loans and leases to core deposits | 107.5725% | 985 |
| Total domestic deposits to total assets | 79.1619% | 5,062 |
| Equity capital to assets | 20.2630% | 214 |
| Core capital (leverage) ratio | 17.7274% | 311 |
| Tier 1 risk-based capital ratio | 23.9466% | 962 |
| Total risk-based capital ratio | 25.2357% | 945 |
| Memoranda: | ||
| Average total assets | $119,452,330 | 4,167 |
| Average earning assets | $106,393,000 | 4,215 |
| Average equity | $23,768,670 | 2,835 |
| Average total loans | $89,487,670 | 3,653 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8547% | 771 |
| Cost of funding earning assets | 0.3122% | 4,307 |
| Net interest margin | 4.5425% | 560 |
| Noninterest income to average assets | 0.2215% | 5,368 |
| Noninterest expense to average assets | 3.2955% | 1,725 |
| Loan and lease loss provision to assets | 0.2975% | 496 |
| Net operating income to assets | 0.3863% | 5,126 |
| Return on assets (ROA) | 0.5619% | 4,542 |
| Pretax return on assets | 0.9420% | 3,731 |
| Return on Equity (ROE) | 2.8491% | 5,434 |
| Retained earnings to average equity (ytd only) | -0.8380% | 5,524 |
| Net charge-offs to loans | 0.1386% | 1,418 |
| Credit loss provision to net charge-offs | 290.3226% | 830 |
| Earnings coverage of net charge-offs (x) | 9.4194% | 2,011 |
| Efficiency ratio | 77.3468% | 2,287 |
| Assets per employee ($millions) | 4.4660% | 3,106 |
| Cash dividends to net income (ytd only)* | 129.4118% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6220% | 1,967 |
| Loan loss allowance to noncurrent loans | 476.5886% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 1.8585% | 1,308 |
| Noncurrent loans to loans | 0.3403% | 4,569 |
| Net loans and leases to total assets | 74.4322% | 1,437 |
| Net loans and leases to deposits | 98.4878% | 647 |
| Net loans and leases to core deposits | 106.9800% | 875 |
| Total domestic deposits to total assets | 75.5751% | 5,780 |
| Equity capital to assets | 20.5779% | 203 |
| Core capital (leverage) ratio | 16.8228% | 375 |
| Tier 1 risk-based capital ratio | 24.7026% | 915 |
| Total risk-based capital ratio | 25.9963% | 894 |
| Memoranda: | ||
| Average total assets | $121,013,500 | 4,170 |
| Average earning assets | $107,606,500 | 4,224 |
| Average equity | $23,867,000 | 2,843 |
| Average total loans | $89,478,000 | 3,656 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6550% | 1,408 |
| Cost of funding earning assets | 0.2740% | 5,057 |
| Net interest margin | 4.3810% | 910 |
| Noninterest income to average assets | -0.0087% | 6,408 |
| Noninterest expense to average assets | 3.0520% | 2,680 |
| Loan and lease loss provision to assets | 0.0952% | 2,559 |
| Net operating income to assets | 0.4277% | 5,116 |
| Return on assets (ROA) | 0.7562% | 3,699 |
| Pretax return on assets | 1.2530% | 2,426 |
| Return on Equity (ROE) | 4.0525% | 5,092 |
| Retained earnings to average equity (ytd only) | 3.0320% | 4,082 |
| Net charge-offs to loans | 0.1416% | 2,612 |
| Credit loss provision to net charge-offs | 104.3478% | 2,294 |
| Earnings coverage of net charge-offs (x) | 9.1478% | 2,786 |
| Efficiency ratio | 78.5218% | 2,130 |
| Assets per employee ($millions) | 4.4969% | 3,045 |
| Cash dividends to net income (ytd only)* | 25.1836% | 3,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4994% | 2,479 |
| Loan loss allowance to noncurrent loans | 283.4025% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 1.7727% | 1,480 |
| Noncurrent loans to loans | 0.5291% | 4,082 |
| Net loans and leases to total assets | 71.2704% | 2,039 |
| Net loans and leases to deposits | 103.6367% | 448 |
| Net loans and leases to core deposits | 115.6060% | 540 |
| Total domestic deposits to total assets | 68.7695% | 6,243 |
| Equity capital to assets | 18.9339% | 266 |
| Core capital (leverage) ratio | 15.0792% | 593 |
| Tier 1 risk-based capital ratio | 24.7333% | 862 |
| Total risk-based capital ratio | 25.9890% | 844 |
| Memoranda: | ||
| Average total assets | $126,017,400 | 4,062 |
| Average earning assets | $112,051,200 | 4,133 |
| Average equity | $23,516,200 | 2,797 |
| Average total loans | $81,188,600 | 3,845 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5563% | 1,683 |
| Cost of funding earning assets | 0.2621% | 5,284 |
| Net interest margin | 4.2942% | 1,065 |
| Noninterest income to average assets | 0.0455% | 6,395 |
| Noninterest expense to average assets | 2.9841% | 2,856 |
| Loan and lease loss provision to assets | 0.1269% | 1,976 |
| Net operating income to assets | 0.4439% | 5,103 |
| Return on assets (ROA) | 0.6029% | 4,525 |
| Pretax return on assets | 0.9965% | 3,608 |
| Return on Equity (ROE) | 3.2429% | 5,453 |
| Retained earnings to average equity (ytd only) | 2.5602% | 4,760 |
| Net charge-offs to loans | 0.1643% | 2,155 |
| Credit loss provision to net charge-offs | 123.7113% | 1,864 |
| Earnings coverage of net charge-offs (x) | 8.5258% | 2,781 |
| Efficiency ratio | 77.3300% | 2,297 |
| Assets per employee ($millions) | 5.6793% | 1,575 |
| Cash dividends to net income (ytd only)* | 21.0532% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6549% | 2,120 |
| Loan loss allowance to noncurrent loans | 222.8663% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 1.8327% | 1,612 |
| Noncurrent loans to loans | 0.7426% | 3,748 |
| Net loans and leases to total assets | 60.3401% | 3,728 |
| Net loans and leases to deposits | 94.3838% | 1,006 |
| Net loans and leases to core deposits | 105.2250% | 1,007 |
| Total domestic deposits to total assets | 63.9306% | 6,437 |
| Equity capital to assets | 17.4404% | 384 |
| Core capital (leverage) ratio | 15.0986% | 601 |
| Tier 1 risk-based capital ratio | 25.1409% | 870 |
| Total risk-based capital ratio | 26.3974% | 855 |
| Memoranda: | ||
| Average total assets | $126,043,750 | 4,086 |
| Average earning assets | $111,930,500 | 4,176 |
| Average equity | $23,435,250 | 2,813 |
| Average total loans | $78,709,750 | 3,939 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6551% | 1,384 |
| Cost of funding earning assets | 0.2521% | 5,463 |
| Net interest margin | 4.4031% | 845 |
| Noninterest income to average assets | -0.0065% | 6,564 |
| Noninterest expense to average assets | 3.0989% | 2,505 |
| Loan and lease loss provision to assets | 0.1957% | 1,248 |
| Net operating income to assets | 0.3534% | 5,396 |
| Return on assets (ROA) | 0.5496% | 4,703 |
| Pretax return on assets | 0.9085% | 3,858 |
| Return on Equity (ROE) | 2.8899% | 5,565 |
| Retained earnings to average equity (ytd only) | 2.8899% | 4,363 |
| Net charge-offs to loans | 0.1661% | 2,060 |
| Credit loss provision to net charge-offs | 187.5000% | 1,228 |
| Earnings coverage of net charge-offs (x) | 7.6406% | 2,602 |
| Efficiency ratio | 79.5312% | 2,090 |
| Assets per employee ($millions) | 5.0456% | 2,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7564% | 1,962 |
| Loan loss allowance to noncurrent loans | 221.7527% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 2.0818% | 1,509 |
| Noncurrent loans to loans | 0.7920% | 3,713 |
| Net loans and leases to total assets | 62.8344% | 3,267 |
| Net loans and leases to deposits | 95.4296% | 846 |
| Net loans and leases to core deposits | 104.0472% | 1,009 |
| Total domestic deposits to total assets | 65.8438% | 6,483 |
| Equity capital to assets | 18.7544% | 280 |
| Core capital (leverage) ratio | 16.6287% | 394 |
| Tier 1 risk-based capital ratio | 25.8271% | 790 |
| Total risk-based capital ratio | 27.0847% | 771 |
| Memoranda: | ||
| Average total assets | $122,623,670 | 4,186 |
| Average earning assets | $108,697,000 | 4,272 |
| Average equity | $23,323,000 | 2,818 |
| Average total loans | $77,069,670 | 4,002 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7318% | 1,191 |
| Cost of funding earning assets | 0.2209% | 5,845 |
| Net interest margin | 4.5109% | 644 |
| Noninterest income to average assets | -0.1820% | 6,681 |
| Noninterest expense to average assets | 2.9851% | 2,917 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5328% | 4,540 |
| Return on assets (ROA) | 0.5328% | 4,611 |
| Pretax return on assets | 0.8208% | 4,023 |
| Return on Equity (ROE) | 2.7811% | 5,534 |
| Retained earnings to average equity (ytd only) | 2.7811% | 4,418 |
| Net charge-offs to loans | 0.0106% | 3,410 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 124.0000% | 390 |
| Efficiency ratio | 78.4348% | 2,423 |
| Assets per employee ($millions) | 5.5825% | 1,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8122% | 1,998 |
| Loan loss allowance to noncurrent loans | 144.1145% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 2.2294% | 1,484 |
| Noncurrent loans to loans | 1.2575% | 2,936 |
| Net loans and leases to total assets | 59.9541% | 3,567 |
| Net loans and leases to deposits | 91.3458% | 1,001 |
| Net loans and leases to core deposits | 97.2271% | 1,297 |
| Total domestic deposits to total assets | 65.6342% | 6,565 |
| Equity capital to assets | 19.0231% | 256 |
| Core capital (leverage) ratio | 16.5479% | 413 |
| Tier 1 risk-based capital ratio | 26.9956% | 710 |
| Total risk-based capital ratio | 28.2544% | 701 |
| Memoranda: | ||
| Average total assets | $120,865,000 | 4,255 |
| Average earning assets | $106,851,500 | 4,344 |
| Average equity | $23,156,000 | 2,828 |
| Average total loans | $75,266,000 | 4,090 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7290% | 1,493 |
| Cost of funding earning assets | 0.1814% | 6,381 |
| Net interest margin | 4.5476% | 672 |
| Noninterest income to average assets | -0.0036% | 6,667 |
| Noninterest expense to average assets | 3.0525% | 2,891 |
| Loan and lease loss provision to assets | -0.2537% | 6,642 |
| Net operating income to assets | 5.7846% | 40 |
| Return on assets (ROA) | 6.0222% | 38 |
| Pretax return on assets | 1.5187% | 1,386 |
| Return on Equity (ROE) | 34.7922% | 42 |
| Retained earnings to average equity (ytd only) | 34.7922% | 21 |
| Net charge-offs to loans | 0.2621% | 2,393 |
| Credit loss provision to net charge-offs | -153.2258% | 5,949 |
| Earnings coverage of net charge-offs (x) | 6.2043% | 3,106 |
| Efficiency ratio | 74.8200% | 2,987 |
| Assets per employee ($millions) | 4.7566% | 2,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8017% | 2,062 |
| Loan loss allowance to noncurrent loans | 140.1648% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 2.4101% | 1,439 |
| Noncurrent loans to loans | 1.2854% | 2,989 |
| Net loans and leases to total assets | 62.3802% | 3,310 |
| Net loans and leases to deposits | 97.0701% | 659 |
| Net loans and leases to core deposits | 100.9018% | 1,094 |
| Total domestic deposits to total assets | 64.2630% | 6,663 |
| Equity capital to assets | 19.2985% | 244 |
| Core capital (leverage) ratio | 16.7450% | 395 |
| Tier 1 risk-based capital ratio | 26.5144% | 732 |
| Total risk-based capital ratio | 27.7726% | 708 |
| Memoranda: | ||
| Average total assets | $112,333,600 | 4,450 |
| Average earning assets | $100,867,200 | 4,484 |
| Average equity | $19,444,000 | 3,218 |
| Average total loans | $70,959,200 | 4,231 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7640% | 1,432 |
| Cost of funding earning assets | 0.1708% | 6,549 |
| Net interest margin | 4.5932% | 625 |
| Noninterest income to average assets | -0.0843% | 6,804 |
| Noninterest expense to average assets | 3.0945% | 2,673 |
| Loan and lease loss provision to assets | -0.3614% | 6,798 |
| Net operating income to assets | 7.5562% | 24 |
| Return on assets (ROA) | 7.8778% | 22 |
| Pretax return on assets | 1.6502% | 1,217 |
| Return on Equity (ROE) | 46.9620% | 17 |
| Retained earnings to average equity (ytd only) | 46.9620% | 8 |
| Net charge-offs to loans | 0.3571% | 1,768 |
| Credit loss provision to net charge-offs | -160.4278% | 5,861 |
| Earnings coverage of net charge-offs (x) | 4.2941% | 3,476 |
| Efficiency ratio | 76.1862% | 2,707 |
| Assets per employee ($millions) | 5.0821% | 2,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8667% | 2,095 |
| Loan loss allowance to noncurrent loans | 106.9157% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 2.8200% | 1,317 |
| Noncurrent loans to loans | 1.7460% | 2,576 |
| Net loans and leases to total assets | 63.2402% | 3,120 |
| Net loans and leases to deposits | 94.7053% | 775 |
| Net loans and leases to core deposits | 98.0054% | 1,245 |
| Total domestic deposits to total assets | 66.7758% | 6,690 |
| Equity capital to assets | 20.4495% | 192 |
| Core capital (leverage) ratio | 18.4135% | 270 |
| Tier 1 risk-based capital ratio | 27.5525% | 659 |
| Total risk-based capital ratio | 28.8113% | 648 |
| Memoranda: | ||
| Average total assets | $110,688,000 | 4,523 |
| Average earning assets | $99,913,500 | 4,562 |
| Average equity | $18,567,750 | 3,369 |
| Average total loans | $69,813,750 | 4,307 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7863% | 1,356 |
| Cost of funding earning assets | 0.1709% | 6,623 |
| Net interest margin | 4.6154% | 583 |
| Noninterest income to average assets | -0.2611% | 6,880 |
| Noninterest expense to average assets | 3.0168% | 2,950 |
| Loan and lease loss provision to assets | 0.1269% | 2,732 |
| Net operating income to assets | 0.8044% | 3,274 |
| Return on assets (ROA) | 1.2836% | 1,461 |
| Pretax return on assets | 1.2908% | 2,333 |
| Return on Equity (ROE) | 8.2635% | 2,957 |
| Retained earnings to average equity (ytd only) | 8.2635% | 1,380 |
| Net charge-offs to loans | 1.1380% | 519 |
| Credit loss provision to net charge-offs | 17.8117% | 3,768 |
| Earnings coverage of net charge-offs (x) | 1.3104% | 4,108 |
| Efficiency ratio | 76.3653% | 2,731 |
| Assets per employee ($millions) | 3.8103% | 4,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1418% | 1,541 |
| Loan loss allowance to noncurrent loans | 139.7222% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 2.8917% | 1,416 |
| Noncurrent loans to loans | 1.5329% | 3,002 |
| Net loans and leases to total assets | 67.0166% | 2,408 |
| Net loans and leases to deposits | 98.2221% | 527 |
| Net loans and leases to core deposits | 100.3844% | 1,048 |
| Total domestic deposits to total assets | 68.2297% | 6,710 |
| Equity capital to assets | 16.7041% | 445 |
| Core capital (leverage) ratio | 15.4801% | 525 |
| Tier 1 risk-based capital ratio | 25.8303% | 792 |
| Total risk-based capital ratio | 27.0939% | 769 |
| Memoranda: | ||
| Average total assets | $110,315,000 | 4,564 |
| Average earning assets | $100,662,670 | 4,564 |
| Average equity | $17,135,670 | 3,606 |
| Average total loans | $69,067,670 | 4,343 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8982% | 1,089 |
| Cost of funding earning assets | 0.1730% | 6,708 |
| Net interest margin | 4.7252% | 456 |
| Noninterest income to average assets | -0.4806% | 6,984 |
| Noninterest expense to average assets | 2.8623% | 3,495 |
| Loan and lease loss provision to assets | 0.2455% | 1,466 |
| Net operating income to assets | 0.7086% | 3,650 |
| Return on assets (ROA) | 0.7086% | 3,785 |
| Pretax return on assets | 0.7226% | 4,476 |
| Return on Equity (ROE) | 4.7221% | 4,727 |
| Retained earnings to average equity (ytd only) | 4.7221% | 3,405 |
| Net charge-offs to loans | 1.7902% | 274 |
| Credit loss provision to net charge-offs | 22.8758% | 2,997 |
| Earnings coverage of net charge-offs (x) | 0.9020% | 3,534 |
| Efficiency ratio | 74.7253% | 3,137 |
| Assets per employee ($millions) | 5.1947% | 1,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3188% | 1,380 |
| Loan loss allowance to noncurrent loans | 132.4481% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 3.2253% | 1,352 |
| Noncurrent loans to loans | 1.7507% | 2,932 |
| Net loans and leases to total assets | 58.8294% | 3,648 |
| Net loans and leases to deposits | 95.8526% | 552 |
| Net loans and leases to core deposits | 100.9080% | 895 |
| Total domestic deposits to total assets | 61.3748% | 6,906 |
| Equity capital to assets | 15.0897% | 737 |
| Core capital (leverage) ratio | 14.4855% | 676 |
| Tier 1 risk-based capital ratio | 24.5653% | 948 |
| Total risk-based capital ratio | 25.8302% | 933 |
| Memoranda: | ||
| Average total assets | $114,033,000 | 4,528 |
| Average earning assets | $104,038,000 | 4,516 |
| Average equity | $17,111,000 | 3,653 |
| Average total loans | $68,374,000 | 4,406 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1684% | 4,699 |
| Cost of funding earning assets | 0.2318% | 6,746 |
| Net interest margin | 3.9366% | 2,664 |
| Noninterest income to average assets | -0.0465% | 6,878 |
| Noninterest expense to average assets | 3.5705% | 1,681 |
| Loan and lease loss provision to assets | 0.1322% | 3,969 |
| Net operating income to assets | -0.2002% | 6,380 |
| Return on assets (ROA) | 0.4905% | 4,973 |
| Pretax return on assets | 0.5015% | 5,274 |
| Return on Equity (ROE) | 3.2741% | 5,440 |
| Retained earnings to average equity (ytd only) | 3.2741% | 3,924 |
| Net charge-offs to loans | 0.9027% | 1,260 |
| Credit loss provision to net charge-offs | 29.4715% | 5,125 |
| Earnings coverage of net charge-offs (x) | -0.1585% | 5,557 |
| Efficiency ratio | 102.0323% | 491 |
| Assets per employee ($millions) | 3.9236% | 4,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6973% | 921 |
| Loan loss allowance to noncurrent loans | 75.6712% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 4.4550% | 931 |
| Noncurrent loans to loans | 3.5645% | 1,387 |
| Net loans and leases to total assets | 58.0825% | 3,965 |
| Net loans and leases to deposits | 92.8437% | 843 |
| Net loans and leases to core deposits | 98.0360% | 1,145 |
| Total domestic deposits to total assets | 62.5594% | 6,948 |
| Equity capital to assets | 14.9205% | 761 |
| Core capital (leverage) ratio | 13.3962% | 984 |
| Tier 1 risk-based capital ratio | 24.6319% | 893 |
| Total risk-based capital ratio | 25.9012% | 874 |
| Memoranda: | ||
| Average total assets | $109,677,400 | 4,598 |
| Average earning assets | $98,790,600 | 4,620 |
| Average equity | $16,432,200 | 3,718 |
| Average total loans | $54,504,400 | 4,918 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1470% | 5,004 |
| Cost of funding earning assets | 0.2431% | 6,840 |
| Net interest margin | 3.9039% | 2,901 |
| Noninterest income to average assets | -0.1289% | 7,042 |
| Noninterest expense to average assets | 3.5894% | 1,574 |
| Loan and lease loss provision to assets | 0.0859% | 4,530 |
| Net operating income to assets | -0.2890% | 6,564 |
| Return on assets (ROA) | 0.2847% | 5,869 |
| Pretax return on assets | 0.2945% | 5,966 |
| Return on Equity (ROE) | 1.8982% | 6,057 |
| Retained earnings to average equity (ytd only) | 1.8982% | 5,388 |
| Net charge-offs to loans | 1.2225% | 794 |
| Credit loss provision to net charge-offs | 14.9254% | 5,019 |
| Earnings coverage of net charge-offs (x) | -0.3667% | 5,466 |
| Efficiency ratio | 106.2477% | 373 |
| Assets per employee ($millions) | 4.3727% | 3,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3179% | 542 |
| Loan loss allowance to noncurrent loans | 89.8990% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 4.9346% | 914 |
| Noncurrent loans to loans | 3.6907% | 1,448 |
| Net loans and leases to total assets | 43.9330% | 5,975 |
| Net loans and leases to deposits | 74.0034% | 3,284 |
| Net loans and leases to core deposits | 80.1425% | 3,191 |
| Total domestic deposits to total assets | 59.3661% | 7,072 |
| Equity capital to assets | 14.2575% | 1,059 |
| Core capital (leverage) ratio | 13.7435% | 926 |
| Tier 1 risk-based capital ratio | 17.9874% | 2,355 |
| Total risk-based capital ratio | 19.2476% | 2,322 |
| Memoranda: | ||
| Average total assets | $108,651,000 | 4,670 |
| Average earning assets | $97,609,500 | 4,700 |
| Average equity | $16,296,000 | 3,772 |
| Average total loans | $51,150,500 | 5,122 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2635% | 4,712 |
| Cost of funding earning assets | 0.2663% | 6,847 |
| Net interest margin | 3.9972% | 2,519 |
| Noninterest income to average assets | -0.3867% | 7,178 |
| Noninterest expense to average assets | 3.8611% | 1,130 |
| Loan and lease loss provision to assets | 0.1327% | 3,870 |
| Net operating income to assets | -0.7961% | 6,857 |
| Return on assets (ROA) | 0.1175% | 6,282 |
| Pretax return on assets | 0.1175% | 6,294 |
| Return on Equity (ROE) | 0.7694% | 6,340 |
| Retained earnings to average equity (ytd only) | 0.7694% | 5,755 |
| Net charge-offs to loans | 0.9420% | 1,172 |
| Credit loss provision to net charge-offs | 29.5359% | 4,449 |
| Earnings coverage of net charge-offs (x) | -1.4768% | 5,352 |
| Efficiency ratio | 120.7469% | 223 |
| Assets per employee ($millions) | 3.2856% | 5,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0296% | 335 |
| Loan loss allowance to noncurrent loans | 69.6917% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 5.8124% | 749 |
| Noncurrent loans to loans | 5.7821% | 783 |
| Net loans and leases to total assets | 41.6696% | 6,207 |
| Net loans and leases to deposits | 67.9264% | 4,217 |
| Net loans and leases to core deposits | 73.5209% | 4,094 |
| Total domestic deposits to total assets | 61.3453% | 7,116 |
| Equity capital to assets | 14.2415% | 1,003 |
| Core capital (leverage) ratio | 14.3246% | 728 |
| Tier 1 risk-based capital ratio | 25.4066% | 860 |
| Total risk-based capital ratio | 26.6820% | 840 |
| Memoranda: | ||
| Average total assets | $105,513,330 | 4,758 |
| Average earning assets | $94,616,670 | 4,802 |
| Average equity | $16,117,000 | 3,787 |
| Average total loans | $50,317,670 | 5,180 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4354% | 4,177 |
| Cost of funding earning assets | 0.2844% | 6,893 |
| Net interest margin | 4.1509% | 1,936 |
| Noninterest income to average assets | -1.1154% | 7,286 |
| Noninterest expense to average assets | 4.1083% | 820 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.5163% | 7,094 |
| Return on assets (ROA) | -1.5163% | 7,101 |
| Pretax return on assets | -1.5163% | 7,080 |
| Return on Equity (ROE) | -9.5578% | 6,981 |
| Retained earnings to average equity (ytd only) | -9.5578% | 6,826 |
| Net charge-offs to loans | 1.2195% | 840 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -2.4805% | 4,630 |
| Efficiency ratio | 158.4992% | 85 |
| Assets per employee ($millions) | 3.1673% | 5,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9494% | 383 |
| Loan loss allowance to noncurrent loans | 63.3803% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 6.4928% | 694 |
| Noncurrent loans to loans | 6.2313% | 785 |
| Net loans and leases to total assets | 45.7321% | 5,811 |
| Net loans and leases to deposits | 71.0516% | 3,580 |
| Net loans and leases to core deposits | 75.7172% | 3,646 |
| Total domestic deposits to total assets | 64.3646% | 7,137 |
| Equity capital to assets | 14.7064% | 806 |
| Core capital (leverage) ratio | 15.3016% | 558 |
| Tier 1 risk-based capital ratio | 25.5537% | 846 |
| Total risk-based capital ratio | 26.8312% | 826 |
| Memoranda: | ||
| Average total assets | $100,772,500 | 4,921 |
| Average earning assets | $90,004,000 | 4,970 |
| Average equity | $15,987,000 | 3,821 |
| Average total loans | $50,511,500 | 5,207 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2590% | 1,834 |
| Cost of funding earning assets | 0.4508% | 6,731 |
| Net interest margin | 4.8082% | 611 |
| Noninterest income to average assets | -0.0814% | 7,091 |
| Noninterest expense to average assets | 4.1957% | 812 |
| Loan and lease loss provision to assets | -0.7962% | 7,344 |
| Net operating income to assets | 0.7533% | 3,249 |
| Return on assets (ROA) | 0.7533% | 3,416 |
| Pretax return on assets | 0.7533% | 4,142 |
| Return on Equity (ROE) | 4.5995% | 4,572 |
| Retained earnings to average equity (ytd only) | 4.5995% | 2,904 |
| Net charge-offs to loans | 1.2220% | 1,371 |
| Credit loss provision to net charge-offs | -104.6243% | 6,704 |
| Earnings coverage of net charge-offs (x) | -0.0564% | 5,867 |
| Efficiency ratio | 101.0328% | 641 |
| Assets per employee ($millions) | 2.7605% | 6,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3799% | 279 |
| Loan loss allowance to noncurrent loans | 77.2147% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 7.4869% | 588 |
| Noncurrent loans to loans | 5.6724% | 916 |
| Net loans and leases to total assets | 50.6846% | 5,502 |
| Net loans and leases to deposits | 71.5978% | 3,863 |
| Net loans and leases to core deposits | 76.5139% | 3,906 |
| Total domestic deposits to total assets | 70.7907% | 6,944 |
| Equity capital to assets | 17.1932% | 429 |
| Core capital (leverage) ratio | 17.5461% | 329 |
| Tier 1 risk-based capital ratio | 28.4380% | 591 |
| Total risk-based capital ratio | 29.7214% | 578 |
| Memoranda: | ||
| Average total assets | $90,927,400 | 5,158 |
| Average earning assets | $80,072,200 | 5,231 |
| Average equity | $14,892,800 | 3,933 |
| Average total loans | $56,630,000 | 5,001 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2242% | 2,115 |
| Cost of funding earning assets | 0.4910% | 6,734 |
| Net interest margin | 4.7332% | 705 |
| Noninterest income to average assets | 0.1597% | 6,449 |
| Noninterest expense to average assets | 4.0859% | 913 |
| Loan and lease loss provision to assets | -0.4420% | 7,405 |
| Net operating income to assets | 0.6770% | 3,735 |
| Return on assets (ROA) | 0.6770% | 3,908 |
| Pretax return on assets | 0.6770% | 4,559 |
| Return on Equity (ROE) | 4.1878% | 4,920 |
| Retained earnings to average equity (ytd only) | 4.1878% | 3,752 |
| Net charge-offs to loans | 2.0976% | 587 |
| Credit loss provision to net charge-offs | -32.5708% | 6,447 |
| Earnings coverage of net charge-offs (x) | 0.1732% | 5,473 |
| Efficiency ratio | 94.5604% | 887 |
| Assets per employee ($millions) | 2.8735% | 6,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2882% | 315 |
| Loan loss allowance to noncurrent loans | 67.8266% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 9.6757% | 382 |
| Noncurrent loans to loans | 6.3222% | 851 |
| Net loans and leases to total assets | 57.7225% | 4,551 |
| Net loans and leases to deposits | 74.6417% | 3,567 |
| Net loans and leases to core deposits | 85.6868% | 2,817 |
| Total domestic deposits to total assets | 77.3327% | 6,325 |
| Equity capital to assets | 17.3678% | 452 |
| Core capital (leverage) ratio | 16.6531% | 429 |
| Tier 1 risk-based capital ratio | 26.6649% | 767 |
| Total risk-based capital ratio | 27.9513% | 745 |
| Memoranda: | ||
| Average total assets | $90,195,000 | 5,220 |
| Average earning assets | $79,296,000 | 5,289 |
| Average equity | $14,581,750 | 4,009 |
| Average total loans | $58,350,000 | 4,978 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2379% | 2,106 |
| Cost of funding earning assets | 0.5405% | 6,701 |
| Net interest margin | 4.6974% | 735 |
| Noninterest income to average assets | 0.2009% | 6,230 |
| Noninterest expense to average assets | 4.1536% | 867 |
| Loan and lease loss provision to assets | -0.6673% | 7,487 |
| Net operating income to assets | 0.8459% | 2,880 |
| Return on assets (ROA) | 0.8459% | 2,974 |
| Pretax return on assets | 0.8459% | 3,850 |
| Return on Equity (ROE) | 5.3687% | 4,273 |
| Retained earnings to average equity (ytd only) | 5.3687% | 2,765 |
| Net charge-offs to loans | 3.0212% | 344 |
| Credit loss provision to net charge-offs | -33.3705% | 6,222 |
| Earnings coverage of net charge-offs (x) | 0.0893% | 5,222 |
| Efficiency ratio | 95.8784% | 884 |
| Assets per employee ($millions) | 2.9880% | 6,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2449% | 346 |
| Loan loss allowance to noncurrent loans | 68.8863% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 9.5337% | 428 |
| Noncurrent loans to loans | 6.1621% | 947 |
| Net loans and leases to total assets | 58.4471% | 4,554 |
| Net loans and leases to deposits | 75.8472% | 3,509 |
| Net loans and leases to core deposits | 87.0178% | 2,756 |
| Total domestic deposits to total assets | 77.0590% | 6,442 |
| Equity capital to assets | 16.6902% | 518 |
| Core capital (leverage) ratio | 16.9072% | 411 |
| Tier 1 risk-based capital ratio | 25.8193% | 825 |
| Total risk-based capital ratio | 27.1044% | 807 |
| Memoranda: | ||
| Average total assets | $89,609,330 | 5,269 |
| Average earning assets | $78,809,670 | 5,351 |
| Average equity | $14,119,000 | 4,105 |
| Average total loans | $59,315,000 | 4,987 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3024% | 1,859 |
| Cost of funding earning assets | 0.5828% | 6,681 |
| Net interest margin | 4.7195% | 679 |
| Noninterest income to average assets | -0.1498% | 7,406 |
| Noninterest expense to average assets | 4.2316% | 793 |
| Loan and lease loss provision to assets | -1.3621% | 7,562 |
| Net operating income to assets | 1.1351% | 1,717 |
| Return on assets (ROA) | 1.1351% | 1,763 |
| Pretax return on assets | 1.1351% | 2,624 |
| Return on Equity (ROE) | 7.4358% | 3,182 |
| Retained earnings to average equity (ytd only) | 7.4358% | 1,968 |
| Net charge-offs to loans | 1.4497% | 937 |
| Credit loss provision to net charge-offs | -136.3636% | 5,759 |
| Earnings coverage of net charge-offs (x) | -0.2273% | 4,708 |
| Efficiency ratio | 105.6689% | 583 |
| Assets per employee ($millions) | 3.3493% | 5,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2925% | 159 |
| Loan loss allowance to noncurrent loans | 75.0183% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 10.5293% | 370 |
| Noncurrent loans to loans | 7.0550% | 777 |
| Net loans and leases to total assets | 63.1894% | 3,605 |
| Net loans and leases to deposits | 85.0085% | 1,875 |
| Net loans and leases to core deposits | 87.7314% | 2,634 |
| Total domestic deposits to total assets | 74.3331% | 6,874 |
| Equity capital to assets | 15.6716% | 634 |
| Core capital (leverage) ratio | 16.0226% | 496 |
| Tier 1 risk-based capital ratio | 25.3291% | 845 |
| Total risk-based capital ratio | 26.6313% | 820 |
| Memoranda: | ||
| Average total assets | $88,099,500 | 5,351 |
| Average earning assets | $77,550,000 | 5,427 |
| Average equity | $13,448,500 | 4,230 |
| Average total loans | $60,703,000 | 4,976 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2770% | 3,230 |
| Cost of funding earning assets | 0.7790% | 6,649 |
| Net interest margin | 4.4980% | 1,228 |
| Noninterest income to average assets | 0.3317% | 5,419 |
| Noninterest expense to average assets | 3.9550% | 1,231 |
| Loan and lease loss provision to assets | 1.4297% | 1,047 |
| Net operating income to assets | -0.9873% | 6,673 |
| Return on assets (ROA) | -0.9873% | 6,714 |
| Pretax return on assets | -0.9873% | 6,635 |
| Return on Equity (ROE) | -6.3823% | 6,520 |
| Retained earnings to average equity (ytd only) | -6.3823% | 6,419 |
| Net charge-offs to loans | 3.0237% | 544 |
| Credit loss provision to net charge-offs | 59.9054% | 6,084 |
| Earnings coverage of net charge-offs (x) | 0.1853% | 5,923 |
| Efficiency ratio | 89.9410% | 1,331 |
| Assets per employee ($millions) | 3.1828% | 5,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6789% | 124 |
| Loan loss allowance to noncurrent loans | 53.5289% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 11.5588% | 306 |
| Noncurrent loans to loans | 10.6090% | 379 |
| Net loans and leases to total assets | 67.0011% | 3,227 |
| Net loans and leases to deposits | 90.0020% | 1,521 |
| Net loans and leases to core deposits | 92.8313% | 2,407 |
| Total domestic deposits to total assets | 74.4440% | 6,837 |
| Equity capital to assets | 14.8679% | 823 |
| Core capital (leverage) ratio | 15.3121% | 615 |
| Tier 1 risk-based capital ratio | 23.7360% | 957 |
| Total risk-based capital ratio | 25.0466% | 934 |
| Memoranda: | ||
| Average total assets | $88,622,200 | 5,332 |
| Average earning assets | $80,101,800 | 5,344 |
| Average equity | $13,709,800 | 4,210 |
| Average total loans | $69,947,200 | 4,683 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2840% | 3,432 |
| Cost of funding earning assets | 0.8187% | 6,693 |
| Net interest margin | 4.4653% | 1,333 |
| Noninterest income to average assets | 0.3616% | 5,270 |
| Noninterest expense to average assets | 4.1793% | 854 |
| Loan and lease loss provision to assets | 1.9088% | 638 |
| Net operating income to assets | -1.6753% | 7,152 |
| Return on assets (ROA) | -1.6753% | 7,164 |
| Pretax return on assets | -1.6753% | 7,094 |
| Return on Equity (ROE) | -10.7245% | 6,959 |
| Retained earnings to average equity (ytd only) | -10.7245% | 6,915 |
| Net charge-offs to loans | 3.6457% | 361 |
| Credit loss provision to net charge-offs | 64.7089% | 5,573 |
| Earnings coverage of net charge-offs (x) | 0.0792% | 5,953 |
| Efficiency ratio | 94.7081% | 963 |
| Assets per employee ($millions) | 3.2241% | 5,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6117% | 124 |
| Loan loss allowance to noncurrent loans | 60.5650% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 10.8281% | 339 |
| Noncurrent loans to loans | 9.2656% | 500 |
| Net loans and leases to total assets | 69.9072% | 2,752 |
| Net loans and leases to deposits | 95.4230% | 1,054 |
| Net loans and leases to core deposits | 97.8601% | 2,059 |
| Total domestic deposits to total assets | 73.2603% | 7,007 |
| Equity capital to assets | 15.0675% | 875 |
| Core capital (leverage) ratio | 15.0365% | 710 |
| Tier 1 risk-based capital ratio | 22.2851% | 1,167 |
| Total risk-based capital ratio | 23.5964% | 1,127 |
| Memoranda: | ||
| Average total assets | $88,498,250 | 5,400 |
| Average earning assets | $80,290,750 | 5,397 |
| Average equity | $13,824,750 | 4,245 |
| Average total loans | $71,607,750 | 4,692 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3005% | 3,468 |
| Cost of funding earning assets | 0.8448% | 6,774 |
| Net interest margin | 4.4557% | 1,305 |
| Noninterest income to average assets | 0.3481% | 5,367 |
| Noninterest expense to average assets | 4.3774% | 662 |
| Loan and lease loss provision to assets | 2.8826% | 352 |
| Net operating income to assets | -2.8439% | 7,484 |
| Return on assets (ROA) | -2.8439% | 7,495 |
| Pretax return on assets | -2.8439% | 7,441 |
| Return on Equity (ROE) | -17.9869% | 7,227 |
| Retained earnings to average equity (ytd only) | -17.9869% | 7,198 |
| Net charge-offs to loans | 5.0444% | 203 |
| Credit loss provision to net charge-offs | 68.6349% | 5,004 |
| Earnings coverage of net charge-offs (x) | 0.0092% | 5,707 |
| Efficiency ratio | 99.1242% | 836 |
| Assets per employee ($millions) | 3.2655% | 5,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5198% | 131 |
| Loan loss allowance to noncurrent loans | 43.2311% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 11.1065% | 318 |
| Noncurrent loans to loans | 12.7682% | 240 |
| Net loans and leases to total assets | 72.3349% | 2,314 |
| Net loans and leases to deposits | 100.3535% | 694 |
| Net loans and leases to core deposits | 102.9209% | 1,743 |
| Total domestic deposits to total assets | 72.0801% | 7,177 |
| Equity capital to assets | 14.5976% | 983 |
| Core capital (leverage) ratio | 15.1538% | 693 |
| Tier 1 risk-based capital ratio | 20.9067% | 1,353 |
| Total risk-based capital ratio | 22.2170% | 1,317 |
| Memoranda: | ||
| Average total assets | $87,906,330 | 5,454 |
| Average earning assets | $80,257,330 | 5,428 |
| Average equity | $13,899,000 | 4,220 |
| Average total loans | $73,190,330 | 4,670 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3922% | 3,071 |
| Cost of funding earning assets | 0.8902% | 6,806 |
| Net interest margin | 4.5020% | 1,138 |
| Noninterest income to average assets | 0.3018% | 5,738 |
| Noninterest expense to average assets | 4.1280% | 873 |
| Loan and lease loss provision to assets | 1.6763% | 683 |
| Net operating income to assets | -1.3930% | 7,289 |
| Return on assets (ROA) | -1.3930% | 7,304 |
| Pretax return on assets | -1.3930% | 7,222 |
| Return on Equity (ROE) | -8.4656% | 7,076 |
| Retained earnings to average equity (ytd only) | -8.4656% | 6,864 |
| Net charge-offs to loans | 3.9259% | 339 |
| Credit loss provision to net charge-offs | 49.1826% | 4,502 |
| Earnings coverage of net charge-offs (x) | 0.0831% | 4,959 |
| Efficiency ratio | 93.5789% | 1,160 |
| Assets per employee ($millions) | 2.7356% | 6,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6099% | 123 |
| Loan loss allowance to noncurrent loans | 37.2131% | 5,890 |
| Noncurrent assets plus other real estate owned to assets | 13.6850% | 177 |
| Noncurrent loans to loans | 15.0751% | 177 |
| Net loans and leases to total assets | 83.4430% | 435 |
| Net loans and leases to deposits | 104.2837% | 514 |
| Net loans and leases to core deposits | 106.9532% | 1,498 |
| Total domestic deposits to total assets | 80.0154% | 5,783 |
| Equity capital to assets | 17.1407% | 517 |
| Core capital (leverage) ratio | 16.1456% | 558 |
| Tier 1 risk-based capital ratio | 22.3574% | 1,156 |
| Total risk-based capital ratio | 23.6708% | 1,125 |
| Memoranda: | ||
| Average total assets | $86,143,000 | 5,569 |
| Average earning assets | $78,632,000 | 5,557 |
| Average equity | $14,175,000 | 4,205 |
| Average total loans | $74,784,500 | 4,690 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5214% | 4,030 |
| Cost of funding earning assets | 1.0913% | 7,002 |
| Net interest margin | 4.4301% | 1,344 |
| Noninterest income to average assets | 0.3694% | 5,448 |
| Noninterest expense to average assets | 5.7311% | 350 |
| Loan and lease loss provision to assets | 11.0588% | 9 |
| Net operating income to assets | -12.5703% | 7,990 |
| Return on assets (ROA) | -12.5157% | 7,990 |
| Pretax return on assets | -12.3604% | 7,987 |
| Return on Equity (ROE) | -66.4591% | 7,791 |
| Retained earnings to average equity (ytd only) | -66.4591% | 7,787 |
| Net charge-offs to loans | 10.0722% | 38 |
| Credit loss provision to net charge-offs | 123.1862% | 4,285 |
| Earnings coverage of net charge-offs (x) | -0.1511% | 6,390 |
| Efficiency ratio | 130.9972% | 469 |
| Assets per employee ($millions) | 3.0073% | 6,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7687% | 110 |
| Loan loss allowance to noncurrent loans | 43.0815% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 11.5997% | 275 |
| Noncurrent loans to loans | 13.3902% | 224 |
| Net loans and leases to total assets | 80.4451% | 915 |
| Net loans and leases to deposits | 108.2093% | 450 |
| Net loans and leases to core deposits | 125.0491% | 1,573 |
| Total domestic deposits to total assets | 74.3421% | 6,969 |
| Equity capital to assets | 15.8317% | 725 |
| Core capital (leverage) ratio | 16.2707% | 576 |
| Tier 1 risk-based capital ratio | 21.2097% | 1,259 |
| Total risk-based capital ratio | 22.5255% | 1,224 |
| Memoranda: | ||
| Average total assets | $97,189,600 | 5,160 |
| Average earning assets | $87,876,400 | 5,202 |
| Average equity | $18,303,000 | 3,465 |
| Average total loans | $86,624,600 | 4,311 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6204% | 3,738 |
| Cost of funding earning assets | 1.1300% | 7,097 |
| Net interest margin | 4.4903% | 1,218 |
| Noninterest income to average assets | 0.2978% | 6,092 |
| Noninterest expense to average assets | 6.1468% | 292 |
| Loan and lease loss provision to assets | 12.6170% | 10 |
| Net operating income to assets | -14.6210% | 8,075 |
| Return on assets (ROA) | -14.5496% | 8,075 |
| Pretax return on assets | -14.3461% | 8,077 |
| Return on Equity (ROE) | -74.5510% | 7,945 |
| Retained earnings to average equity (ytd only) | -74.5510% | 7,944 |
| Net charge-offs to loans | 9.9070% | 49 |
| Credit loss provision to net charge-offs | 141.5268% | 3,468 |
| Earnings coverage of net charge-offs (x) | -0.2020% | 6,290 |
| Efficiency ratio | 141.4264% | 370 |
| Assets per employee ($millions) | 3.0196% | 6,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1928% | 76 |
| Loan loss allowance to noncurrent loans | 50.7564% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 11.2863% | 264 |
| Noncurrent loans to loans | 12.2010% | 259 |
| Net loans and leases to total assets | 86.4011% | 320 |
| Net loans and leases to deposits | 110.3033% | 457 |
| Net loans and leases to core deposits | 125.7414% | 1,759 |
| Total domestic deposits to total assets | 78.3305% | 5,994 |
| Equity capital to assets | 17.2749% | 593 |
| Core capital (leverage) ratio | 16.8260% | 576 |
| Tier 1 risk-based capital ratio | 21.6795% | 1,262 |
| Total risk-based capital ratio | 23.0026% | 1,235 |
| Memoranda: | ||
| Average total assets | $98,932,500 | 5,153 |
| Average earning assets | $89,197,250 | 5,190 |
| Average equity | $19,308,000 | 3,340 |
| Average total loans | $89,026,000 | 4,278 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3535% | 5,382 |
| Cost of funding earning assets | 1.1237% | 7,318 |
| Net interest margin | 4.2298% | 1,879 |
| Noninterest income to average assets | 0.3972% | 5,315 |
| Noninterest expense to average assets | 7.1554% | 208 |
| Loan and lease loss provision to assets | 18.4085% | 6 |
| Net operating income to assets | -21.6666% | 8,179 |
| Return on assets (ROA) | -21.5624% | 8,177 |
| Pretax return on assets | -21.2655% | 8,175 |
| Return on Equity (ROE) | -106.8412% | 8,084 |
| Retained earnings to average equity (ytd only) | -106.8412% | 8,083 |
| Net charge-offs to loans | 14.4285% | 25 |
| Credit loss provision to net charge-offs | 142.7787% | 3,257 |
| Earnings coverage of net charge-offs (x) | -0.2297% | 5,908 |
| Efficiency ratio | 170.6048% | 284 |
| Assets per employee ($millions) | 2.4152% | 7,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9748% | 80 |
| Loan loss allowance to noncurrent loans | 56.6334% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 9.8414% | 306 |
| Noncurrent loans to loans | 10.5500% | 314 |
| Net loans and leases to total assets | 87.2932% | 286 |
| Net loans and leases to deposits | 113.3325% | 429 |
| Net loans and leases to core deposits | 131.6042% | 1,452 |
| Total domestic deposits to total assets | 77.0240% | 6,321 |
| Equity capital to assets | 16.2792% | 785 |
| Core capital (leverage) ratio | 15.0960% | 898 |
| Tier 1 risk-based capital ratio | 20.1845% | 1,541 |
| Total risk-based capital ratio | 21.5046% | 1,486 |
| Memoranda: | ||
| Average total assets | $101,714,000 | 5,113 |
| Average earning assets | $91,304,670 | 5,153 |
| Average equity | $20,527,670 | 3,171 |
| Average total loans | $90,889,330 | 4,256 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3352% | 5,726 |
| Cost of funding earning assets | 1.1320% | 7,460 |
| Net interest margin | 4.2032% | 1,887 |
| Noninterest income to average assets | 0.3034% | 6,011 |
| Noninterest expense to average assets | 4.8201% | 548 |
| Loan and lease loss provision to assets | 7.3535% | 83 |
| Net operating income to assets | -8.1385% | 8,150 |
| Return on assets (ROA) | -7.9375% | 8,131 |
| Pretax return on assets | -7.9375% | 8,109 |
| Return on Equity (ROE) | -36.2040% | 7,953 |
| Retained earnings to average equity (ytd only) | -36.2040% | 7,925 |
| Net charge-offs to loans | 0.9934% | 1,353 |
| Credit loss provision to net charge-offs | 843.0435% | 722 |
| Earnings coverage of net charge-offs (x) | -0.9000% | 5,340 |
| Efficiency ratio | 119.4549% | 640 |
| Assets per employee ($millions) | 2.6444% | 6,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5253% | 147 |
| Loan loss allowance to noncurrent loans | 29.2484% | 6,604 |
| Noncurrent assets plus other real estate owned to assets | 14.4803% | 87 |
| Noncurrent loans to loans | 15.4719% | 91 |
| Net loans and leases to total assets | 86.6909% | 369 |
| Net loans and leases to deposits | 120.1539% | 282 |
| Net loans and leases to core deposits | 140.0006% | 1,100 |
| Total domestic deposits to total assets | 72.1499% | 7,188 |
| Equity capital to assets | 24.0029% | 248 |
| Core capital (leverage) ratio | 22.9741% | 280 |
| Tier 1 risk-based capital ratio | 29.1364% | 679 |
| Total risk-based capital ratio | 30.4325% | 656 |
| Memoranda: | ||
| Average total assets | $105,474,000 | 5,017 |
| Average earning assets | $93,643,000 | 5,098 |
| Average equity | $23,124,500 | 2,866 |
| Average total loans | $92,609,000 | 4,241 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3791% | 3,529 |
| Cost of funding earning assets | 1.8229% | 6,948 |
| Net interest margin | 4.5562% | 1,297 |
| Noninterest income to average assets | 0.4251% | 5,260 |
| Noninterest expense to average assets | 3.9354% | 1,508 |
| Loan and lease loss provision to assets | 1.9664% | 615 |
| Net operating income to assets | -1.4888% | 7,458 |
| Return on assets (ROA) | -1.4673% | 7,396 |
| Pretax return on assets | -1.4673% | 7,239 |
| Return on Equity (ROE) | -7.5659% | 7,100 |
| Retained earnings to average equity (ytd only) | -7.5659% | 6,844 |
| Net charge-offs to loans | 0.7054% | 1,750 |
| Credit loss provision to net charge-offs | 342.5787% | 1,323 |
| Earnings coverage of net charge-offs (x) | 0.8321% | 5,735 |
| Efficiency ratio | 89.1771% | 1,578 |
| Assets per employee ($millions) | 2.9068% | 6,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5752% | 632 |
| Loan loss allowance to noncurrent loans | 20.1516% | 7,234 |
| Noncurrent assets plus other real estate owned to assets | 10.9714% | 129 |
| Noncurrent loans to loans | 12.7789% | 106 |
| Net loans and leases to total assets | 82.8852% | 1,064 |
| Net loans and leases to deposits | 118.8039% | 419 |
| Net loans and leases to core deposits | 136.0118% | 1,483 |
| Total domestic deposits to total assets | 69.7664% | 7,303 |
| Equity capital to assets | 20.0335% | 464 |
| Core capital (leverage) ratio | 19.8487% | 449 |
| Tier 1 risk-based capital ratio | 23.8530% | 1,104 |
| Total risk-based capital ratio | 25.1203% | 1,078 |
| Memoranda: | ||
| Average total assets | $116,200,600 | 4,605 |
| Average earning assets | $101,706,800 | 4,760 |
| Average equity | $22,535,200 | 2,902 |
| Average total loans | $94,559,200 | 4,094 |