Home > BlackRidgeBANK > Performance and Condition Ratios
BlackRidgeBANK, Performance and Condition Ratios
| 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 | 5.1164% | 484 |
| Cost of funding earning assets | 0.7082% | 1,980 |
| Net interest margin | 4.4082% | 466 |
| Noninterest income to average assets | 1.7500% | 386 |
| Noninterest expense to average assets | 3.6545% | 578 |
| Loan and lease loss provision to assets | 0.2572% | 1,578 |
| Net operating income to assets | 1.2994% | 1,357 |
| Return on assets (ROA) | 1.3016% | 1,447 |
| Pretax return on assets | 1.7654% | 838 |
| Return on Equity (ROE) | 9.4861% | 2,208 |
| Retained earnings to average equity (ytd only) | 8.0367% | 1,295 |
| Net charge-offs to loans | 0.1085% | 1,252 |
| Credit loss provision to net charge-offs | 306.1920% | 1,743 |
| Earnings coverage of net charge-offs (x) | 24.0526% | 1,769 |
| Efficiency ratio | 63.5131% | 2,823 |
| Assets per employee ($millions) | 4.6471% | 3,663 |
| Cash dividends to net income (ytd only)* | 15.2786% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1765% | 4,970 |
| Loan loss allowance to noncurrent loans | 21.0470% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 0.7340% | 1,588 |
| Noncurrent loans to loans | 0.8386% | 1,754 |
| Net loans and leases to total assets | 80.4493% | 570 |
| Net loans and leases to deposits | 93.1866% | 994 |
| Net loans and leases to core deposits | 99.7330% | 1,178 |
| Total domestic deposits to total assets | 86.3315% | 1,924 |
| Equity capital to assets | 13.2697% | 1,076 |
| Core capital (leverage) ratio | 7.8966% | 4,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5803% | 3,112 |
| Memoranda: | ||
| Average total assets | $512,888,500 | 1,490 |
| Average earning assets | $456,560,750 | 1,556 |
| Average equity | $70,375,250 | 1,276 |
| Average total loans | $397,017,000 | 1,353 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4160% | 391 |
| Cost of funding earning assets | 0.7573% | 2,070 |
| Net interest margin | 4.6587% | 368 |
| Noninterest income to average assets | 1.4661% | 490 |
| Noninterest expense to average assets | 3.5875% | 667 |
| Loan and lease loss provision to assets | 0.3229% | 1,324 |
| Net operating income to assets | 1.2489% | 1,497 |
| Return on assets (ROA) | 1.2713% | 1,552 |
| Pretax return on assets | 1.7263% | 941 |
| Return on Equity (ROE) | 9.1551% | 2,291 |
| Retained earnings to average equity (ytd only) | 7.6891% | 1,404 |
| Net charge-offs to loans | 0.1031% | 1,249 |
| Credit loss provision to net charge-offs | 410.6599% | 1,385 |
| Earnings coverage of net charge-offs (x) | 25.7005% | 1,543 |
| Efficiency ratio | 63.1485% | 2,935 |
| Assets per employee ($millions) | 4.6628% | 3,577 |
| Cash dividends to net income (ytd only)* | 16.0126% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1769% | 5,001 |
| Loan loss allowance to noncurrent loans | 19.2114% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 0.7576% | 1,635 |
| Noncurrent loans to loans | 0.9207% | 1,675 |
| Net loans and leases to total assets | 75.7516% | 1,175 |
| Net loans and leases to deposits | 87.6933% | 1,589 |
| Net loans and leases to core deposits | 94.9892% | 1,659 |
| Total domestic deposits to total assets | 86.3824% | 1,852 |
| Equity capital to assets | 13.1563% | 1,096 |
| Core capital (leverage) ratio | 8.0166% | 4,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8945% | 3,171 |
| Memoranda: | ||
| Average total assets | $501,066,333 | 1,494 |
| Average earning assets | $445,533,667 | 1,556 |
| Average equity | $69,578,667 | 1,276 |
| Average total loans | $382,046,667 | 1,388 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1198% | 766 |
| Cost of funding earning assets | 0.8147% | 2,299 |
| Net interest margin | 4.3052% | 754 |
| Noninterest income to average assets | 1.1647% | 644 |
| Noninterest expense to average assets | 3.5822% | 829 |
| Loan and lease loss provision to assets | 0.1205% | 2,186 |
| Net operating income to assets | 0.9386% | 2,381 |
| Return on assets (ROA) | 0.9386% | 2,490 |
| Pretax return on assets | 1.2753% | 1,946 |
| Return on Equity (ROE) | 6.5651% | 3,111 |
| Retained earnings to average equity (ytd only) | 5.0823% | 2,239 |
| Net charge-offs to loans | 0.2207% | 639 |
| Credit loss provision to net charge-offs | 71.4286% | 1,968 |
| Earnings coverage of net charge-offs (x) | 8.2709% | 1,872 |
| Efficiency ratio | 71.3594% | 2,175 |
| Assets per employee ($millions) | 4.3455% | 3,482 |
| Cash dividends to net income (ytd only)* | 22.5864% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0153% | 5,065 |
| Loan loss allowance to noncurrent loans | 1.6384% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 0.7818% | 1,734 |
| Noncurrent loans to loans | 0.9311% | 1,767 |
| Net loans and leases to total assets | 76.7864% | 1,170 |
| Net loans and leases to deposits | 90.1969% | 1,484 |
| Net loans and leases to core deposits | 100.8967% | 1,404 |
| Total domestic deposits to total assets | 85.1319% | 2,363 |
| Equity capital to assets | 14.4836% | 903 |
| Core capital (leverage) ratio | 8.1569% | 4,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3136% | 3,384 |
| Memoranda: | ||
| Average total assets | $481,154,500 | 1,507 |
| Average earning assets | $426,186,500 | 1,573 |
| Average equity | $68,787,500 | 1,280 |
| Average total loans | $367,840,500 | 1,393 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2382% | 5,159 |
| Cost of funding earning assets | 0.2029% | 4,960 |
| Net interest margin | 1.0352% | 5,156 |
| Noninterest income to average assets | 0.4052% | 3,267 |
| Noninterest expense to average assets | 0.9294% | 5,129 |
| Loan and lease loss provision to assets | 0.0277% | 3,461 |
| Net operating income to assets | 0.3107% | 4,733 |
| Return on assets (ROA) | 0.3107% | 4,763 |
| Pretax return on assets | 0.3877% | 4,730 |
| Return on Equity (ROE) | 2.6552% | 4,715 |
| Retained earnings to average equity (ytd only) | 2.3919% | 3,825 |
| Net charge-offs to loans | 0.0054% | 3,484 |
| Credit loss provision to net charge-offs | 642.8571% | 484 |
| Earnings coverage of net charge-offs (x) | 96.3333% | 701 |
| Efficiency ratio | 67.2469% | 2,571 |
| Assets per employee ($millions) | 4.4843% | 3,246 |
| Cash dividends to net income (ytd only)* | 9.9141% | 3,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0309% | 5,119 |
| Loan loss allowance to noncurrent loans | 3.2285% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 0.8150% | 1,588 |
| Noncurrent loans to loans | 0.9580% | 1,598 |
| Net loans and leases to total assets | 76.0820% | 1,395 |
| Net loans and leases to deposits | 88.9955% | 1,700 |
| Net loans and leases to core deposits | 99.1521% | 1,635 |
| Total domestic deposits to total assets | 85.4897% | 2,298 |
| Equity capital to assets | 14.1116% | 1,053 |
| Core capital (leverage) ratio | 8.1170% | 5,002 |
| Tier 1 risk-based capital ratio | 10.5455% | 5,006 |
| Total risk-based capital ratio | 10.5776% | 5,154 |
| Memoranda: | ||
| Average total assets | $486,973,400 | 1,457 |
| Average earning assets | $442,027,600 | 1,478 |
| Average equity | $56,983,000 | 1,428 |
| Average total loans | $389,860,800 | 1,296 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1673% | 1,112 |
| Cost of funding earning assets | 1.0858% | 1,401 |
| Net interest margin | 4.0815% | 1,667 |
| Noninterest income to average assets | 1.4576% | 429 |
| Noninterest expense to average assets | 4.7922% | 244 |
| Loan and lease loss provision to assets | 0.1107% | 1,762 |
| Net operating income to assets | 0.2498% | 4,905 |
| Return on assets (ROA) | 0.2660% | 4,899 |
| Pretax return on assets | 0.2964% | 4,910 |
| Return on Equity (ROE) | 2.3961% | 4,857 |
| Retained earnings to average equity (ytd only) | -0.0665% | 4,765 |
| Net charge-offs to loans | 0.2021% | 863 |
| Credit loss provision to net charge-offs | 67.6127% | 2,643 |
| Earnings coverage of net charge-offs (x) | 2.3756% | 3,203 |
| Efficiency ratio | 92.4908% | 257 |
| Assets per employee ($millions) | 3.9525% | 3,963 |
| Cash dividends to net income (ytd only)* | 102.7750% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2697% | 2,124 |
| Loan loss allowance to noncurrent loans | 132.9359% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.8833% | 1,551 |
| Noncurrent loans to loans | 0.9551% | 1,687 |
| Net loans and leases to total assets | 79.5973% | 901 |
| Net loans and leases to deposits | 90.6419% | 1,615 |
| Net loans and leases to core deposits | 102.2499% | 1,476 |
| Total domestic deposits to total assets | 87.8151% | 1,126 |
| Equity capital to assets | 11.0553% | 3,053 |
| Core capital (leverage) ratio | 7.8184% | 5,148 |
| Tier 1 risk-based capital ratio | 9.7688% | 5,212 |
| Total risk-based capital ratio | 11.0191% | 5,189 |
| Memoranda: | ||
| Average total assets | $487,640,500 | 1,464 |
| Average earning assets | $444,885,750 | 1,476 |
| Average equity | $54,143,000 | 1,487 |
| Average total loans | $395,180,250 | 1,288 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0701% | 1,301 |
| Cost of funding earning assets | 1.0579% | 1,461 |
| Net interest margin | 4.0122% | 1,886 |
| Noninterest income to average assets | 1.4022% | 441 |
| Noninterest expense to average assets | 3.7940% | 665 |
| Loan and lease loss provision to assets | 0.1109% | 1,686 |
| Net operating income to assets | 0.8508% | 3,467 |
| Return on assets (ROA) | 0.8508% | 3,522 |
| Pretax return on assets | 1.1573% | 3,049 |
| Return on Equity (ROE) | 7.6520% | 3,436 |
| Retained earnings to average equity (ytd only) | 3.9572% | 3,268 |
| Net charge-offs to loans | 0.0552% | 1,855 |
| Credit loss provision to net charge-offs | 247.7064% | 1,032 |
| Earnings coverage of net charge-offs (x) | 28.3211% | 1,513 |
| Efficiency ratio | 74.9472% | 1,522 |
| Assets per employee ($millions) | 3.9272% | 3,967 |
| Cash dividends to net income (ytd only)* | 48.2859% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3453% | 1,831 |
| Loan loss allowance to noncurrent loans | 126.6085% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.9706% | 1,432 |
| Noncurrent loans to loans | 1.0625% | 1,545 |
| Net loans and leases to total assets | 79.6148% | 944 |
| Net loans and leases to deposits | 89.9848% | 1,741 |
| Net loans and leases to core deposits | 105.9144% | 1,248 |
| Total domestic deposits to total assets | 88.4758% | 882 |
| Equity capital to assets | 11.0974% | 2,947 |
| Core capital (leverage) ratio | 8.0167% | 5,166 |
| Tier 1 risk-based capital ratio | 10.0374% | 5,223 |
| Total risk-based capital ratio | 11.2892% | 5,163 |
| Memoranda: | ||
| Average total assets | $486,818,330 | 1,467 |
| Average earning assets | $444,093,330 | 1,482 |
| Average equity | $54,129,670 | 1,485 |
| Average total loans | $395,197,330 | 1,293 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9065% | 1,571 |
| Cost of funding earning assets | 0.9533% | 1,782 |
| Net interest margin | 3.9532% | 2,009 |
| Noninterest income to average assets | 1.5343% | 366 |
| Noninterest expense to average assets | 3.8955% | 600 |
| Loan and lease loss provision to assets | 0.1118% | 1,588 |
| Net operating income to assets | 0.8260% | 3,526 |
| Return on assets (ROA) | 0.8260% | 3,568 |
| Pretax return on assets | 1.1242% | 3,076 |
| Return on Equity (ROE) | 7.4212% | 3,492 |
| Retained earnings to average equity (ytd only) | 3.6994% | 3,443 |
| Net charge-offs to loans | 0.0549% | 1,499 |
| Credit loss provision to net charge-offs | 250.0000% | 918 |
| Earnings coverage of net charge-offs (x) | 27.6296% | 1,378 |
| Efficiency ratio | 75.9122% | 1,507 |
| Assets per employee ($millions) | 3.8295% | 4,155 |
| Cash dividends to net income (ytd only)* | 50.1505% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3385% | 1,923 |
| Loan loss allowance to noncurrent loans | 140.7073% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.9179% | 1,524 |
| Noncurrent loans to loans | 0.9513% | 1,757 |
| Net loans and leases to total assets | 80.8391% | 729 |
| Net loans and leases to deposits | 91.5441% | 1,452 |
| Net loans and leases to core deposits | 108.5537% | 1,015 |
| Total domestic deposits to total assets | 88.3062% | 1,182 |
| Equity capital to assets | 11.2089% | 2,642 |
| Core capital (leverage) ratio | 8.2665% | 5,114 |
| Tier 1 risk-based capital ratio | 10.0746% | 5,270 |
| Total risk-based capital ratio | 11.3264% | 5,224 |
| Memoranda: | ||
| Average total assets | $482,813,000 | 1,486 |
| Average earning assets | $439,339,000 | 1,508 |
| Average equity | $53,738,000 | 1,477 |
| Average total loans | $393,131,500 | 1,302 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9601% | 1,130 |
| Cost of funding earning assets | 0.7449% | 1,819 |
| Net interest margin | 4.2152% | 1,360 |
| Noninterest income to average assets | 1.2845% | 567 |
| Noninterest expense to average assets | 3.9598% | 566 |
| Loan and lease loss provision to assets | 0.0876% | 2,392 |
| Net operating income to assets | 0.7775% | 3,888 |
| Return on assets (ROA) | 0.7775% | 3,890 |
| Pretax return on assets | 1.0638% | 3,396 |
| Return on Equity (ROE) | 6.8470% | 3,880 |
| Retained earnings to average equity (ytd only) | 3.0357% | 3,879 |
| Net charge-offs to loans | 0.0275% | 2,856 |
| Credit loss provision to net charge-offs | 389.4231% | 843 |
| Earnings coverage of net charge-offs (x) | 51.1635% | 1,121 |
| Efficiency ratio | 77.4725% | 1,184 |
| Assets per employee ($millions) | 3.8342% | 4,127 |
| Cash dividends to net income (ytd only)* | 55.6638% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3333% | 1,893 |
| Loan loss allowance to noncurrent loans | 140.9029% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 1.2523% | 1,026 |
| Noncurrent loans to loans | 0.9463% | 1,706 |
| Net loans and leases to total assets | 79.8363% | 965 |
| Net loans and leases to deposits | 90.2227% | 1,767 |
| Net loans and leases to core deposits | 105.0268% | 1,341 |
| Total domestic deposits to total assets | 88.4880% | 1,074 |
| Equity capital to assets | 11.0516% | 2,634 |
| Core capital (leverage) ratio | 8.1427% | 5,192 |
| Tier 1 risk-based capital ratio | 9.9735% | 5,311 |
| Total risk-based capital ratio | 11.2249% | 5,265 |
| Memoranda: | ||
| Average total assets | $462,122,000 | 1,508 |
| Average earning assets | $419,524,800 | 1,526 |
| Average equity | $52,475,200 | 1,454 |
| Average total loans | $378,079,000 | 1,314 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9285% | 1,095 |
| Cost of funding earning assets | 0.6965% | 1,861 |
| Net interest margin | 4.2321% | 1,281 |
| Noninterest income to average assets | 1.2911% | 580 |
| Noninterest expense to average assets | 3.9881% | 534 |
| Loan and lease loss provision to assets | 0.0788% | 2,375 |
| Net operating income to assets | 0.7868% | 3,950 |
| Return on assets (ROA) | 0.7868% | 3,962 |
| Pretax return on assets | 1.0652% | 3,517 |
| Return on Equity (ROE) | 6.8801% | 3,973 |
| Retained earnings to average equity (ytd only) | 3.0521% | 4,213 |
| Net charge-offs to loans | 0.0469% | 2,159 |
| Credit loss provision to net charge-offs | 204.5455% | 1,352 |
| Earnings coverage of net charge-offs (x) | 29.6963% | 1,621 |
| Efficiency ratio | 77.7095% | 1,146 |
| Assets per employee ($millions) | 3.6455% | 4,377 |
| Cash dividends to net income (ytd only)* | 55.6379% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3368% | 1,933 |
| Loan loss allowance to noncurrent loans | 115.2477% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 1.2824% | 1,073 |
| Noncurrent loans to loans | 1.1599% | 1,454 |
| Net loans and leases to total assets | 79.8591% | 1,042 |
| Net loans and leases to deposits | 90.5067% | 1,823 |
| Net loans and leases to core deposits | 106.1963% | 1,294 |
| Total domestic deposits to total assets | 88.2356% | 1,141 |
| Equity capital to assets | 11.3283% | 2,378 |
| Core capital (leverage) ratio | 8.2886% | 5,211 |
| Tier 1 risk-based capital ratio | 10.2965% | 5,294 |
| Total risk-based capital ratio | 11.5483% | 5,220 |
| Memoranda: | ||
| Average total assets | $456,876,000 | 1,532 |
| Average earning assets | $414,662,000 | 1,555 |
| Average equity | $52,246,250 | 1,460 |
| Average total loans | $374,872,250 | 1,326 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8960% | 1,032 |
| Cost of funding earning assets | 0.6557% | 1,896 |
| Net interest margin | 4.2403% | 1,190 |
| Noninterest income to average assets | 1.2777% | 593 |
| Noninterest expense to average assets | 4.0090% | 523 |
| Loan and lease loss provision to assets | 0.1190% | 1,668 |
| Net operating income to assets | 0.7354% | 4,085 |
| Return on assets (ROA) | 0.7354% | 4,079 |
| Pretax return on assets | 0.9960% | 3,677 |
| Return on Equity (ROE) | 6.4103% | 4,095 |
| Retained earnings to average equity (ytd only) | 2.5672% | 4,233 |
| Net charge-offs to loans | 0.0706% | 1,634 |
| Credit loss provision to net charge-offs | 204.5455% | 1,286 |
| Earnings coverage of net charge-offs (x) | 19.1591% | 1,861 |
| Efficiency ratio | 78.2395% | 1,180 |
| Assets per employee ($millions) | 3.6121% | 4,456 |
| Cash dividends to net income (ytd only)* | 59.9520% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3272% | 2,047 |
| Loan loss allowance to noncurrent loans | 90.1107% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.4106% | 974 |
| Noncurrent loans to loans | 1.4729% | 1,144 |
| Net loans and leases to total assets | 81.1708% | 829 |
| Net loans and leases to deposits | 91.9756% | 1,584 |
| Net loans and leases to core deposits | 107.2184% | 1,169 |
| Total domestic deposits to total assets | 88.2525% | 1,248 |
| Equity capital to assets | 11.3337% | 2,329 |
| Core capital (leverage) ratio | 8.3302% | 5,196 |
| Tier 1 risk-based capital ratio | 10.0359% | 5,425 |
| Total risk-based capital ratio | 11.2874% | 5,357 |
| Memoranda: | ||
| Average total assets | $453,625,670 | 1,546 |
| Average earning assets | $411,477,670 | 1,568 |
| Average equity | $52,041,330 | 1,470 |
| Average total loans | $373,932,000 | 1,325 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7933% | 1,096 |
| Cost of funding earning assets | 0.6142% | 1,950 |
| Net interest margin | 4.1792% | 1,218 |
| Noninterest income to average assets | 1.1788% | 661 |
| Noninterest expense to average assets | 4.0600% | 492 |
| Loan and lease loss provision to assets | 0.1202% | 1,571 |
| Net operating income to assets | 0.5796% | 4,484 |
| Return on assets (ROA) | 0.5796% | 4,492 |
| Pretax return on assets | 0.7853% | 4,188 |
| Return on Equity (ROE) | 5.0211% | 4,480 |
| Retained earnings to average equity (ytd only) | 1.1646% | 4,584 |
| Net charge-offs to loans | 0.0065% | 2,500 |
| Credit loss provision to net charge-offs | 2,250.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 169.5000% | 384 |
| Efficiency ratio | 81.7644% | 974 |
| Assets per employee ($millions) | 3.5012% | 4,659 |
| Cash dividends to net income (ytd only)* | 76.8049% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3396% | 2,058 |
| Loan loss allowance to noncurrent loans | 75.5472% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.7117% | 742 |
| Noncurrent loans to loans | 1.7732% | 959 |
| Net loans and leases to total assets | 82.1669% | 644 |
| Net loans and leases to deposits | 95.2500% | 1,102 |
| Net loans and leases to core deposits | 108.4919% | 1,090 |
| Total domestic deposits to total assets | 86.2645% | 2,415 |
| Equity capital to assets | 11.4920% | 2,139 |
| Core capital (leverage) ratio | 8.3754% | 5,217 |
| Tier 1 risk-based capital ratio | 10.0870% | 5,481 |
| Total risk-based capital ratio | 11.3389% | 5,410 |
| Memoranda: | ||
| Average total assets | $449,265,500 | 1,569 |
| Average earning assets | $407,065,000 | 1,596 |
| Average equity | $51,861,500 | 1,484 |
| Average total loans | $370,729,000 | 1,342 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8302% | 923 |
| Cost of funding earning assets | 0.5381% | 2,049 |
| Net interest margin | 4.2921% | 977 |
| Noninterest income to average assets | 1.3991% | 539 |
| Noninterest expense to average assets | 3.9773% | 552 |
| Loan and lease loss provision to assets | 0.1085% | 2,074 |
| Net operating income to assets | 0.6502% | 3,822 |
| Return on assets (ROA) | 0.6502% | 3,857 |
| Pretax return on assets | 1.1796% | 2,850 |
| Return on Equity (ROE) | 5.5962% | 3,921 |
| Retained earnings to average equity (ytd only) | 1.7059% | 4,286 |
| Net charge-offs to loans | 0.0412% | 2,960 |
| Credit loss provision to net charge-offs | 324.3243% | 888 |
| Earnings coverage of net charge-offs (x) | 38.5135% | 1,297 |
| Efficiency ratio | 75.5365% | 1,688 |
| Assets per employee ($millions) | 3.5187% | 4,671 |
| Cash dividends to net income (ytd only)* | 69.5169% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3441% | 2,004 |
| Loan loss allowance to noncurrent loans | 80.7699% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 1.5508% | 863 |
| Noncurrent loans to loans | 1.6641% | 988 |
| Net loans and leases to total assets | 80.6483% | 879 |
| Net loans and leases to deposits | 91.7759% | 1,557 |
| Net loans and leases to core deposits | 104.1905% | 1,403 |
| Total domestic deposits to total assets | 87.8752% | 1,566 |
| Equity capital to assets | 11.5958% | 2,115 |
| Core capital (leverage) ratio | 8.2944% | 5,290 |
| Tier 1 risk-based capital ratio | 10.3605% | 5,423 |
| Total risk-based capital ratio | 11.6125% | 5,339 |
| Memoranda: | ||
| Average total assets | $442,508,200 | 1,568 |
| Average earning assets | $398,618,600 | 1,601 |
| Average equity | $51,410,200 | 1,493 |
| Average total loans | $358,960,400 | 1,351 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7748% | 971 |
| Cost of funding earning assets | 0.5267% | 2,063 |
| Net interest margin | 4.2481% | 1,049 |
| Noninterest income to average assets | 1.3822% | 555 |
| Noninterest expense to average assets | 3.9508% | 552 |
| Loan and lease loss provision to assets | 0.1087% | 1,957 |
| Net operating income to assets | 0.6950% | 4,010 |
| Return on assets (ROA) | 0.6950% | 4,075 |
| Pretax return on assets | 1.1454% | 3,131 |
| Return on Equity (ROE) | 5.9794% | 4,131 |
| Retained earnings to average equity (ytd only) | 2.0815% | 4,607 |
| Net charge-offs to loans | 0.0291% | 2,847 |
| Credit loss provision to net charge-offs | 461.5385% | 691 |
| Earnings coverage of net charge-offs (x) | 53.2294% | 1,077 |
| Efficiency ratio | 75.9053% | 1,606 |
| Assets per employee ($millions) | 3.5428% | 4,662 |
| Cash dividends to net income (ytd only)* | 65.1891% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 2,286 |
| Loan loss allowance to noncurrent loans | 97.2194% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 1.2801% | 1,259 |
| Noncurrent loans to loans | 1.3537% | 1,393 |
| Net loans and leases to total assets | 80.3595% | 931 |
| Net loans and leases to deposits | 91.3823% | 1,640 |
| Net loans and leases to core deposits | 102.5995% | 1,498 |
| Total domestic deposits to total assets | 87.9378% | 1,400 |
| Equity capital to assets | 11.4291% | 2,437 |
| Core capital (leverage) ratio | 8.2992% | 5,370 |
| Tier 1 risk-based capital ratio | 10.2436% | 5,529 |
| Total risk-based capital ratio | 11.4953% | 5,475 |
| Memoranda: | ||
| Average total assets | $441,417,750 | 1,583 |
| Average earning assets | $397,214,500 | 1,616 |
| Average equity | $51,308,250 | 1,509 |
| Average total loans | $357,374,750 | 1,368 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7334% | 997 |
| Cost of funding earning assets | 0.5145% | 2,059 |
| Net interest margin | 4.2190% | 1,041 |
| Noninterest income to average assets | 1.4033% | 548 |
| Noninterest expense to average assets | 3.9881% | 534 |
| Loan and lease loss provision to assets | 0.1097% | 1,859 |
| Net operating income to assets | 0.6671% | 3,995 |
| Return on assets (ROA) | 0.6671% | 4,056 |
| Pretax return on assets | 1.1001% | 3,178 |
| Return on Equity (ROE) | 5.7065% | 4,179 |
| Retained earnings to average equity (ytd only) | 1.7953% | 4,532 |
| Net charge-offs to loans | 0.0260% | 2,693 |
| Credit loss provision to net charge-offs | 521.7391% | 644 |
| Earnings coverage of net charge-offs (x) | 57.5217% | 980 |
| Efficiency ratio | 76.7241% | 1,619 |
| Assets per employee ($millions) | 3.5138% | 4,705 |
| Cash dividends to net income (ytd only)* | 68.5401% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3211% | 2,307 |
| Loan loss allowance to noncurrent loans | 110.3353% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 1.2686% | 1,312 |
| Noncurrent loans to loans | 1.1974% | 1,627 |
| Net loans and leases to total assets | 79.8722% | 976 |
| Net loans and leases to deposits | 90.9583% | 1,615 |
| Net loans and leases to core deposits | 103.5168% | 1,391 |
| Total domestic deposits to total assets | 87.8118% | 1,555 |
| Equity capital to assets | 11.5322% | 2,299 |
| Core capital (leverage) ratio | 8.4226% | 5,269 |
| Tier 1 risk-based capital ratio | 10.4217% | 5,493 |
| Total risk-based capital ratio | 11.6734% | 5,419 |
| Memoranda: | ||
| Average total assets | $437,396,330 | 1,599 |
| Average earning assets | $393,413,000 | 1,632 |
| Average equity | $51,134,670 | 1,511 |
| Average total loans | $353,407,670 | 1,385 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6110% | 1,115 |
| Cost of funding earning assets | 0.5026% | 2,065 |
| Net interest margin | 4.1083% | 1,199 |
| Noninterest income to average assets | 1.3950% | 546 |
| Noninterest expense to average assets | 4.0548% | 508 |
| Loan and lease loss provision to assets | 0.1109% | 1,727 |
| Net operating income to assets | 0.5608% | 4,324 |
| Return on assets (ROA) | 0.5608% | 4,372 |
| Pretax return on assets | 0.9220% | 3,688 |
| Return on Equity (ROE) | 4.7635% | 4,496 |
| Retained earnings to average equity (ytd only) | 0.8397% | 4,711 |
| Net charge-offs to loans | 0.0195% | 2,400 |
| Credit loss provision to net charge-offs | 705.8824% | 455 |
| Earnings coverage of net charge-offs (x) | 65.7647% | 752 |
| Efficiency ratio | 79.6986% | 1,417 |
| Assets per employee ($millions) | 3.5528% | 4,714 |
| Cash dividends to net income (ytd only)* | 82.3723% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 2,343 |
| Loan loss allowance to noncurrent loans | 109.6767% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 1.3197% | 1,287 |
| Noncurrent loans to loans | 1.2200% | 1,663 |
| Net loans and leases to total assets | 79.6297% | 884 |
| Net loans and leases to deposits | 90.9765% | 1,428 |
| Net loans and leases to core deposits | 101.4601% | 1,408 |
| Total domestic deposits to total assets | 87.5278% | 1,972 |
| Equity capital to assets | 11.7798% | 1,981 |
| Core capital (leverage) ratio | 8.4665% | 5,248 |
| Tier 1 risk-based capital ratio | 10.5598% | 5,517 |
| Total risk-based capital ratio | 11.8114% | 5,434 |
| Memoranda: | ||
| Average total assets | $432,968,000 | 1,626 |
| Average earning assets | $389,159,500 | 1,662 |
| Average equity | $50,970,500 | 1,517 |
| Average total loans | $349,509,500 | 1,404 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7770% | 926 |
| Cost of funding earning assets | 0.5046% | 2,053 |
| Net interest margin | 4.2724% | 980 |
| Noninterest income to average assets | 1.3833% | 602 |
| Noninterest expense to average assets | 3.9028% | 687 |
| Loan and lease loss provision to assets | 0.1005% | 2,369 |
| Net operating income to assets | 0.7422% | 3,576 |
| Return on assets (ROA) | 0.7422% | 3,691 |
| Pretax return on assets | 1.2183% | 2,596 |
| Return on Equity (ROE) | 6.1493% | 3,903 |
| Retained earnings to average equity (ytd only) | 2.1858% | 4,288 |
| Net charge-offs to loans | 0.0868% | 2,457 |
| Credit loss provision to net charge-offs | 144.3299% | 1,898 |
| Earnings coverage of net charge-offs (x) | 18.9450% | 1,938 |
| Efficiency ratio | 74.5888% | 2,211 |
| Assets per employee ($millions) | 3.7284% | 4,431 |
| Cash dividends to net income (ytd only)* | 64.4538% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3110% | 2,488 |
| Loan loss allowance to noncurrent loans | 105.4110% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 1.3399% | 1,296 |
| Noncurrent loans to loans | 1.2437% | 1,651 |
| Net loans and leases to total assets | 79.6800% | 938 |
| Net loans and leases to deposits | 91.1290% | 1,555 |
| Net loans and leases to core deposits | 100.9734% | 1,541 |
| Total domestic deposits to total assets | 87.4365% | 1,914 |
| Equity capital to assets | 11.7649% | 1,960 |
| Core capital (leverage) ratio | 8.3547% | 5,398 |
| Tier 1 risk-based capital ratio | 10.5376% | 5,559 |
| Total risk-based capital ratio | 11.7891% | 5,488 |
| Memoranda: | ||
| Average total assets | $418,054,200 | 1,622 |
| Average earning assets | $375,570,200 | 1,655 |
| Average equity | $50,461,200 | 1,507 |
| Average total loans | $335,421,800 | 1,391 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7534% | 979 |
| Cost of funding earning assets | 0.5032% | 2,078 |
| Net interest margin | 4.2502% | 1,026 |
| Noninterest income to average assets | 1.2408% | 754 |
| Noninterest expense to average assets | 3.7090% | 835 |
| Loan and lease loss provision to assets | 0.1013% | 2,217 |
| Net operating income to assets | 0.7612% | 3,555 |
| Return on assets (ROA) | 0.7612% | 3,687 |
| Pretax return on assets | 1.2479% | 2,627 |
| Return on Equity (ROE) | 6.2646% | 3,946 |
| Retained earnings to average equity (ytd only) | 2.2930% | 4,551 |
| Net charge-offs to loans | 0.1261% | 1,700 |
| Credit loss provision to net charge-offs | 100.3185% | 2,346 |
| Earnings coverage of net charge-offs (x) | 13.3566% | 2,318 |
| Efficiency ratio | 73.1095% | 2,420 |
| Assets per employee ($millions) | 3.5546% | 4,714 |
| Cash dividends to net income (ytd only)* | 63.3981% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 2,697 |
| Loan loss allowance to noncurrent loans | 102.1814% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 1.4217% | 1,296 |
| Noncurrent loans to loans | 1.2708% | 1,763 |
| Net loans and leases to total assets | 78.6401% | 1,093 |
| Net loans and leases to deposits | 90.0045% | 1,754 |
| Net loans and leases to core deposits | 98.0005% | 1,817 |
| Total domestic deposits to total assets | 87.3735% | 1,726 |
| Equity capital to assets | 11.8199% | 2,240 |
| Core capital (leverage) ratio | 8.4797% | 5,374 |
| Tier 1 risk-based capital ratio | 10.5648% | 5,593 |
| Total risk-based capital ratio | 11.8159% | 5,510 |
| Memoranda: | ||
| Average total assets | $414,442,750 | 1,632 |
| Average earning assets | $372,244,000 | 1,676 |
| Average equity | $50,355,750 | 1,514 |
| Average total loans | $331,978,750 | 1,406 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7730% | 933 |
| Cost of funding earning assets | 0.5005% | 2,097 |
| Net interest margin | 4.2726% | 981 |
| Noninterest income to average assets | 1.2160% | 759 |
| Noninterest expense to average assets | 3.6753% | 910 |
| Loan and lease loss provision to assets | 0.1026% | 2,131 |
| Net operating income to assets | 0.7712% | 3,440 |
| Return on assets (ROA) | 0.7712% | 3,587 |
| Pretax return on assets | 1.2766% | 2,497 |
| Return on Equity (ROE) | 6.2875% | 3,909 |
| Retained earnings to average equity (ytd only) | 2.3030% | 4,408 |
| Net charge-offs to loans | 0.0719% | 2,156 |
| Credit loss provision to net charge-offs | 177.9661% | 1,413 |
| Earnings coverage of net charge-offs (x) | 23.9153% | 1,572 |
| Efficiency ratio | 72.3845% | 2,597 |
| Assets per employee ($millions) | 3.5853% | 4,617 |
| Cash dividends to net income (ytd only)* | 63.3714% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 2,557 |
| Loan loss allowance to noncurrent loans | 83.7668% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 1.6158% | 1,138 |
| Noncurrent loans to loans | 1.6041% | 1,335 |
| Net loans and leases to total assets | 80.1660% | 875 |
| Net loans and leases to deposits | 91.7667% | 1,544 |
| Net loans and leases to core deposits | 99.0964% | 1,711 |
| Total domestic deposits to total assets | 87.3585% | 1,735 |
| Equity capital to assets | 12.1585% | 2,006 |
| Core capital (leverage) ratio | 8.6767% | 5,191 |
| Tier 1 risk-based capital ratio | 10.5340% | 5,659 |
| Total risk-based capital ratio | 11.7857% | 5,567 |
| Memoranda: | ||
| Average total assets | $409,222,000 | 1,654 |
| Average earning assets | $367,647,670 | 1,697 |
| Average equity | $50,195,000 | 1,522 |
| Average total loans | $328,410,000 | 1,421 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6915% | 1,066 |
| Cost of funding earning assets | 0.4989% | 2,120 |
| Net interest margin | 4.1926% | 1,111 |
| Noninterest income to average assets | 1.2102% | 741 |
| Noninterest expense to average assets | 3.6513% | 961 |
| Loan and lease loss provision to assets | 0.1035% | 1,980 |
| Net operating income to assets | 0.7391% | 3,542 |
| Return on assets (ROA) | 0.7391% | 3,650 |
| Pretax return on assets | 1.2240% | 2,608 |
| Return on Equity (ROE) | 5.9989% | 3,988 |
| Retained earnings to average equity (ytd only) | 1.9996% | 4,456 |
| Net charge-offs to loans | 0.1570% | 1,185 |
| Credit loss provision to net charge-offs | 82.6772% | 1,820 |
| Earnings coverage of net charge-offs (x) | 10.6063% | 1,911 |
| Efficiency ratio | 72.8226% | 2,677 |
| Assets per employee ($millions) | 3.5485% | 4,745 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3501% | 2,659 |
| Loan loss allowance to noncurrent loans | 80.2429% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 1.8028% | 1,033 |
| Noncurrent loans to loans | 1.6825% | 1,345 |
| Net loans and leases to total assets | 79.9648% | 815 |
| Net loans and leases to deposits | 91.8338% | 1,370 |
| Net loans and leases to core deposits | 99.5363% | 1,518 |
| Total domestic deposits to total assets | 87.0756% | 2,174 |
| Equity capital to assets | 12.4026% | 1,746 |
| Core capital (leverage) ratio | 8.8022% | 5,074 |
| Tier 1 risk-based capital ratio | 10.5841% | 5,715 |
| Total risk-based capital ratio | 11.8355% | 5,623 |
| Memoranda: | ||
| Average total assets | $405,887,500 | 1,663 |
| Average earning assets | $364,831,500 | 1,703 |
| Average equity | $50,009,500 | 1,529 |
| Average total loans | $323,643,000 | 1,431 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7842% | 949 |
| Cost of funding earning assets | 0.5061% | 2,106 |
| Net interest margin | 4.2781% | 1,004 |
| Noninterest income to average assets | 0.9398% | 1,339 |
| Noninterest expense to average assets | 3.4456% | 1,399 |
| Loan and lease loss provision to assets | 0.0897% | 2,505 |
| Net operating income to assets | 0.7498% | 3,572 |
| Return on assets (ROA) | 0.7498% | 3,666 |
| Pretax return on assets | 1.2487% | 2,473 |
| Return on Equity (ROE) | 5.9313% | 4,066 |
| Retained earnings to average equity (ytd only) | 1.8757% | 4,659 |
| Net charge-offs to loans | -0.0003% | 4,816 |
| Credit loss provision to net charge-offs | -35,000.0000% | 5,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1928% | 3,035 |
| Assets per employee ($millions) | 3.7022% | 4,476 |
| Cash dividends to net income (ytd only)* | 68.3761% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3930% | 2,454 |
| Loan loss allowance to noncurrent loans | 75.8568% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 1.8139% | 1,047 |
| Noncurrent loans to loans | 1.8364% | 1,181 |
| Net loans and leases to total assets | 77.3314% | 1,205 |
| Net loans and leases to deposits | 88.8543% | 1,769 |
| Net loans and leases to core deposits | 95.8510% | 1,867 |
| Total domestic deposits to total assets | 87.0317% | 2,111 |
| Equity capital to assets | 12.2400% | 1,785 |
| Core capital (leverage) ratio | 8.8058% | 5,102 |
| Tier 1 risk-based capital ratio | 10.7884% | 5,630 |
| Total risk-based capital ratio | 12.0405% | 5,542 |
| Memoranda: | ||
| Average total assets | $390,093,000 | 1,683 |
| Average earning assets | $350,526,600 | 1,727 |
| Average equity | $49,314,400 | 1,512 |
| Average total loans | $311,075,000 | 1,423 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7641% | 995 |
| Cost of funding earning assets | 0.5075% | 2,145 |
| Net interest margin | 4.2566% | 1,046 |
| Noninterest income to average assets | 0.9141% | 1,414 |
| Noninterest expense to average assets | 3.4552% | 1,372 |
| Loan and lease loss provision to assets | 0.1210% | 1,883 |
| Net operating income to assets | 0.6971% | 3,912 |
| Return on assets (ROA) | 0.6971% | 4,023 |
| Pretax return on assets | 1.1639% | 2,951 |
| Return on Equity (ROE) | 5.4681% | 4,419 |
| Retained earnings to average equity (ytd only) | 1.4016% | 5,160 |
| Net charge-offs to loans | 0.0315% | 3,293 |
| Credit loss provision to net charge-offs | 479.4521% | 675 |
| Earnings coverage of net charge-offs (x) | 50.9320% | 1,031 |
| Efficiency ratio | 71.9525% | 2,892 |
| Assets per employee ($millions) | 3.6013% | 4,607 |
| Cash dividends to net income (ytd only)* | 74.3678% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3687% | 2,743 |
| Loan loss allowance to noncurrent loans | 80.4228% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 1.7416% | 1,241 |
| Noncurrent loans to loans | 1.7018% | 1,420 |
| Net loans and leases to total assets | 78.8692% | 978 |
| Net loans and leases to deposits | 90.7353% | 1,562 |
| Net loans and leases to core deposits | 97.5483% | 1,740 |
| Total domestic deposits to total assets | 86.9223% | 2,083 |
| Equity capital to assets | 12.3886% | 1,804 |
| Core capital (leverage) ratio | 8.9070% | 5,110 |
| Tier 1 risk-based capital ratio | 10.5912% | 5,842 |
| Total risk-based capital ratio | 11.8427% | 5,770 |
| Memoranda: | ||
| Average total assets | $385,804,500 | 1,717 |
| Average earning assets | $346,779,750 | 1,763 |
| Average equity | $49,181,250 | 1,521 |
| Average total loans | $308,999,000 | 1,438 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7115% | 1,050 |
| Cost of funding earning assets | 0.5035% | 2,215 |
| Net interest margin | 4.2081% | 1,096 |
| Noninterest income to average assets | 0.8868% | 1,482 |
| Noninterest expense to average assets | 3.4673% | 1,352 |
| Loan and lease loss provision to assets | 0.1312% | 1,680 |
| Net operating income to assets | 0.6486% | 4,127 |
| Return on assets (ROA) | 0.6486% | 4,238 |
| Pretax return on assets | 1.0730% | 3,283 |
| Return on Equity (ROE) | 5.0380% | 4,597 |
| Retained earnings to average equity (ytd only) | 0.9619% | 5,184 |
| Net charge-offs to loans | 0.0327% | 3,011 |
| Credit loss provision to net charge-offs | 500.0000% | 619 |
| Earnings coverage of net charge-offs (x) | 45.9000% | 1,022 |
| Efficiency ratio | 73.2000% | 2,801 |
| Assets per employee ($millions) | 3.8143% | 4,233 |
| Cash dividends to net income (ytd only)* | 80.9061% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3754% | 2,866 |
| Loan loss allowance to noncurrent loans | 76.4089% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 1.8573% | 1,233 |
| Noncurrent loans to loans | 1.8001% | 1,421 |
| Net loans and leases to total assets | 79.9972% | 802 |
| Net loans and leases to deposits | 94.4286% | 1,113 |
| Net loans and leases to core deposits | 102.1803% | 1,319 |
| Total domestic deposits to total assets | 84.7171% | 3,246 |
| Equity capital to assets | 12.7772% | 1,506 |
| Core capital (leverage) ratio | 9.0443% | 4,897 |
| Tier 1 risk-based capital ratio | 11.0680% | 5,678 |
| Total risk-based capital ratio | 12.3201% | 5,599 |
| Memoranda: | ||
| Average total assets | $381,156,670 | 1,744 |
| Average earning assets | $342,818,670 | 1,786 |
| Average equity | $49,067,330 | 1,530 |
| Average total loans | $305,447,670 | 1,454 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6446% | 1,133 |
| Cost of funding earning assets | 0.5026% | 2,260 |
| Net interest margin | 4.1420% | 1,180 |
| Noninterest income to average assets | 0.6985% | 2,167 |
| Noninterest expense to average assets | 3.5113% | 1,280 |
| Loan and lease loss provision to assets | 0.1583% | 1,285 |
| Net operating income to assets | 0.4516% | 4,866 |
| Return on assets (ROA) | 0.4516% | 4,979 |
| Pretax return on assets | 0.7502% | 4,427 |
| Return on Equity (ROE) | 3.4946% | 5,178 |
| Retained earnings to average equity (ytd only) | -0.5879% | 5,486 |
| Net charge-offs to loans | 0.0596% | 2,159 |
| Credit loss provision to net charge-offs | 333.3333% | 749 |
| Earnings coverage of net charge-offs (x) | 19.1333% | 1,457 |
| Efficiency ratio | 78.3719% | 2,132 |
| Assets per employee ($millions) | 3.5203% | 4,861 |
| Cash dividends to net income (ytd only)* | 116.8224% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3830% | 3,004 |
| Loan loss allowance to noncurrent loans | 73.7757% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 1.9401% | 1,241 |
| Noncurrent loans to loans | 1.8746% | 1,432 |
| Net loans and leases to total assets | 78.8285% | 821 |
| Net loans and leases to deposits | 93.4722% | 1,037 |
| Net loans and leases to core deposits | 98.7909% | 1,406 |
| Total domestic deposits to total assets | 84.3337% | 3,683 |
| Equity capital to assets | 12.8867% | 1,458 |
| Core capital (leverage) ratio | 9.1359% | 4,804 |
| Tier 1 risk-based capital ratio | 10.9712% | 5,818 |
| Total risk-based capital ratio | 12.2230% | 5,749 |
| Memoranda: | ||
| Average total assets | $379,114,000 | 1,756 |
| Average earning assets | $340,612,500 | 1,803 |
| Average equity | $48,989,500 | 1,538 |
| Average total loans | $301,931,000 | 1,470 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0112% | 749 |
| Cost of funding earning assets | 0.5466% | 2,233 |
| Net interest margin | 4.4646% | 797 |
| Noninterest income to average assets | 0.7366% | 2,137 |
| Noninterest expense to average assets | 3.2918% | 1,953 |
| Loan and lease loss provision to assets | 0.0728% | 3,025 |
| Net operating income to assets | 0.8239% | 3,259 |
| Return on assets (ROA) | 0.8291% | 3,317 |
| Pretax return on assets | 1.3630% | 2,026 |
| Return on Equity (ROE) | 6.3514% | 3,975 |
| Retained earnings to average equity (ytd only) | 2.2217% | 4,665 |
| Net charge-offs to loans | 0.1993% | 2,075 |
| Credit loss provision to net charge-offs | 46.3918% | 3,560 |
| Earnings coverage of net charge-offs (x) | 9.1014% | 2,793 |
| Efficiency ratio | 68.7150% | 3,766 |
| Assets per employee ($millions) | 3.4682% | 4,949 |
| Cash dividends to net income (ytd only)* | 65.0195% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3662% | 3,103 |
| Loan loss allowance to noncurrent loans | 74.7537% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 1.9033% | 1,354 |
| Noncurrent loans to loans | 1.8276% | 1,566 |
| Net loans and leases to total assets | 78.2627% | 967 |
| Net loans and leases to deposits | 90.4827% | 1,468 |
| Net loans and leases to core deposits | 94.5485% | 1,859 |
| Total domestic deposits to total assets | 86.4947% | 2,570 |
| Equity capital to assets | 12.9577% | 1,396 |
| Core capital (leverage) ratio | 9.0877% | 4,840 |
| Tier 1 risk-based capital ratio | 11.4852% | 5,671 |
| Total risk-based capital ratio | 12.7376% | 5,586 |
| Memoranda: | ||
| Average total assets | $371,011,800 | 1,751 |
| Average earning assets | $330,981,800 | 1,814 |
| Average equity | $48,430,400 | 1,490 |
| Average total loans | $292,064,800 | 1,463 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0618% | 695 |
| Cost of funding earning assets | 0.5561% | 2,230 |
| Net interest margin | 4.5057% | 729 |
| Noninterest income to average assets | 0.6460% | 2,593 |
| Noninterest expense to average assets | 3.1822% | 2,230 |
| Loan and lease loss provision to assets | 0.0650% | 3,052 |
| Net operating income to assets | 0.8582% | 3,133 |
| Return on assets (ROA) | 0.8651% | 3,190 |
| Pretax return on assets | 1.4205% | 1,929 |
| Return on Equity (ROE) | 6.6152% | 3,897 |
| Retained earnings to average equity (ytd only) | 2.4738% | 4,812 |
| Net charge-offs to loans | 0.0772% | 3,096 |
| Credit loss provision to net charge-offs | 107.1429% | 2,076 |
| Earnings coverage of net charge-offs (x) | 24.3100% | 1,552 |
| Efficiency ratio | 67.2792% | 3,994 |
| Assets per employee ($millions) | 3.5714% | 4,734 |
| Cash dividends to net income (ytd only)* | 62.6043% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 2,747 |
| Loan loss allowance to noncurrent loans | 74.4444% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 2.1200% | 1,325 |
| Noncurrent loans to loans | 2.0067% | 1,580 |
| Net loans and leases to total assets | 78.5047% | 899 |
| Net loans and leases to deposits | 91.0176% | 1,328 |
| Net loans and leases to core deposits | 94.5574% | 1,799 |
| Total domestic deposits to total assets | 86.2523% | 2,726 |
| Equity capital to assets | 13.1344% | 1,357 |
| Core capital (leverage) ratio | 9.1497% | 4,855 |
| Tier 1 risk-based capital ratio | 11.4583% | 5,807 |
| Total risk-based capital ratio | 12.7121% | 5,744 |
| Memoranda: | ||
| Average total assets | $369,255,500 | 1,774 |
| Average earning assets | $328,703,500 | 1,834 |
| Average equity | $48,291,750 | 1,495 |
| Average total loans | $290,091,000 | 1,486 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0632% | 664 |
| Cost of funding earning assets | 0.5635% | 2,228 |
| Net interest margin | 4.4998% | 705 |
| Noninterest income to average assets | 0.5877% | 2,879 |
| Noninterest expense to average assets | 3.1172% | 2,429 |
| Loan and lease loss provision to assets | 0.0488% | 3,329 |
| Net operating income to assets | 0.8611% | 3,006 |
| Return on assets (ROA) | 0.8667% | 3,060 |
| Pretax return on assets | 1.4262% | 1,799 |
| Return on Equity (ROE) | 6.6365% | 3,812 |
| Retained earnings to average equity (ytd only) | 2.4809% | 4,628 |
| Net charge-offs to loans | 0.1118% | 2,543 |
| Credit loss provision to net charge-offs | 55.9006% | 2,703 |
| Earnings coverage of net charge-offs (x) | 16.7826% | 1,768 |
| Efficiency ratio | 66.9311% | 4,210 |
| Assets per employee ($millions) | 3.8186% | 4,221 |
| Cash dividends to net income (ytd only)* | 62.6174% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4915% | 2,942 |
| Loan loss allowance to noncurrent loans | 78.7192% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 2.0344% | 1,563 |
| Noncurrent loans to loans | 1.8948% | 1,812 |
| Net loans and leases to total assets | 78.1714% | 889 |
| Net loans and leases to deposits | 90.6330% | 1,311 |
| Net loans and leases to core deposits | 94.6212% | 1,725 |
| Total domestic deposits to total assets | 86.2505% | 2,894 |
| Equity capital to assets | 13.2268% | 1,257 |
| Core capital (leverage) ratio | 9.1337% | 4,836 |
| Tier 1 risk-based capital ratio | 11.4416% | 5,833 |
| Total risk-based capital ratio | 12.6952% | 5,785 |
| Memoranda: | ||
| Average total assets | $368,533,670 | 1,779 |
| Average earning assets | $327,261,000 | 1,838 |
| Average equity | $48,127,670 | 1,487 |
| Average total loans | $288,119,670 | 1,490 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9549% | 785 |
| Cost of funding earning assets | 0.5680% | 2,260 |
| Net interest margin | 4.3868% | 824 |
| Noninterest income to average assets | 0.5543% | 3,020 |
| Noninterest expense to average assets | 3.0549% | 2,681 |
| Loan and lease loss provision to assets | 0.0325% | 3,396 |
| Net operating income to assets | 0.8335% | 2,989 |
| Return on assets (ROA) | 0.8335% | 3,059 |
| Pretax return on assets | 1.3629% | 1,875 |
| Return on Equity (ROE) | 6.4237% | 3,793 |
| Retained earnings to average equity (ytd only) | 2.2525% | 4,703 |
| Net charge-offs to loans | 0.0321% | 2,948 |
| Credit loss provision to net charge-offs | 130.4348% | 1,381 |
| Earnings coverage of net charge-offs (x) | 56.0435% | 694 |
| Efficiency ratio | 67.5505% | 4,263 |
| Assets per employee ($millions) | 3.7074% | 4,505 |
| Cash dividends to net income (ytd only)* | 64.9351% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5432% | 2,957 |
| Loan loss allowance to noncurrent loans | 80.4700% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 2.0370% | 1,668 |
| Noncurrent loans to loans | 1.9178% | 1,971 |
| Net loans and leases to total assets | 77.5601% | 810 |
| Net loans and leases to deposits | 90.1414% | 1,127 |
| Net loans and leases to core deposits | 93.5560% | 1,589 |
| Total domestic deposits to total assets | 86.0427% | 3,341 |
| Equity capital to assets | 13.2469% | 1,193 |
| Core capital (leverage) ratio | 9.1348% | 4,817 |
| Tier 1 risk-based capital ratio | 11.5036% | 5,913 |
| Total risk-based capital ratio | 12.7581% | 5,858 |
| Memoranda: | ||
| Average total assets | $369,506,500 | 1,780 |
| Average earning assets | $328,163,000 | 1,833 |
| Average equity | $47,947,500 | 1,491 |
| Average total loans | $286,726,500 | 1,498 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9203% | 1,053 |
| Cost of funding earning assets | 0.6314% | 2,370 |
| Net interest margin | 4.2888% | 1,138 |
| Noninterest income to average assets | 0.8383% | 1,907 |
| Noninterest expense to average assets | 3.0553% | 2,881 |
| Loan and lease loss provision to assets | 0.2127% | 1,726 |
| Net operating income to assets | 0.8487% | 3,041 |
| Return on assets (ROA) | 0.8487% | 3,117 |
| Pretax return on assets | 1.3755% | 1,878 |
| Return on Equity (ROE) | 6.5372% | 3,809 |
| Retained earnings to average equity (ytd only) | 2.6259% | 4,385 |
| Net charge-offs to loans | 0.1433% | 3,371 |
| Credit loss provision to net charge-offs | 191.3580% | 1,192 |
| Earnings coverage of net charge-offs (x) | 14.2864% | 1,956 |
| Efficiency ratio | 64.7278% | 4,783 |
| Assets per employee ($millions) | 3.9966% | 3,872 |
| Cash dividends to net income (ytd only)* | 59.8318% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5353% | 3,033 |
| Loan loss allowance to noncurrent loans | 83.1605% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 2.0517% | 1,750 |
| Noncurrent loans to loans | 1.8462% | 2,180 |
| Net loans and leases to total assets | 75.2834% | 1,187 |
| Net loans and leases to deposits | 86.9453% | 1,584 |
| Net loans and leases to core deposits | 89.8545% | 2,043 |
| Total domestic deposits to total assets | 86.5871% | 2,948 |
| Equity capital to assets | 12.7142% | 1,415 |
| Core capital (leverage) ratio | 8.8841% | 5,161 |
| Tier 1 risk-based capital ratio | 11.3889% | 5,970 |
| Total risk-based capital ratio | 12.6433% | 5,904 |
| Memoranda: | ||
| Average total assets | $364,313,600 | 1,781 |
| Average earning assets | $323,235,000 | 1,839 |
| Average equity | $47,298,200 | 1,485 |
| Average total loans | $282,580,800 | 1,496 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9025% | 1,119 |
| Cost of funding earning assets | 0.6474% | 2,379 |
| Net interest margin | 4.2551% | 1,196 |
| Noninterest income to average assets | 0.9214% | 1,687 |
| Noninterest expense to average assets | 3.0884% | 2,696 |
| Loan and lease loss provision to assets | 0.2859% | 1,204 |
| Net operating income to assets | 0.8189% | 3,257 |
| Return on assets (ROA) | 0.8189% | 3,379 |
| Pretax return on assets | 1.3194% | 2,264 |
| Return on Equity (ROE) | 6.2735% | 4,037 |
| Retained earnings to average equity (ytd only) | 2.3172% | 4,942 |
| Net charge-offs to loans | 0.2269% | 2,451 |
| Credit loss provision to net charge-offs | 161.7954% | 1,464 |
| Earnings coverage of net charge-offs (x) | 9.0856% | 2,527 |
| Efficiency ratio | 64.7308% | 4,693 |
| Assets per employee ($millions) | 3.8844% | 4,059 |
| Cash dividends to net income (ytd only)* | 63.0630% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 3,324 |
| Loan loss allowance to noncurrent loans | 70.6880% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 2.5320% | 1,511 |
| Noncurrent loans to loans | 2.1676% | 2,042 |
| Net loans and leases to total assets | 76.3146% | 967 |
| Net loans and leases to deposits | 88.4089% | 1,322 |
| Net loans and leases to core deposits | 91.4632% | 1,821 |
| Total domestic deposits to total assets | 86.3200% | 3,064 |
| Equity capital to assets | 12.9770% | 1,342 |
| Core capital (leverage) ratio | 8.9174% | 5,243 |
| Tier 1 risk-based capital ratio | 11.3508% | 6,127 |
| Total risk-based capital ratio | 12.6051% | 6,095 |
| Memoranda: | ||
| Average total assets | $361,471,250 | 1,810 |
| Average earning assets | $320,451,250 | 1,867 |
| Average equity | $47,181,500 | 1,498 |
| Average total loans | $281,416,750 | 1,507 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8873% | 1,126 |
| Cost of funding earning assets | 0.6652% | 2,358 |
| Net interest margin | 4.2221% | 1,218 |
| Noninterest income to average assets | 0.9516% | 1,648 |
| Noninterest expense to average assets | 3.0912% | 2,687 |
| Loan and lease loss provision to assets | 0.3053% | 1,172 |
| Net operating income to assets | 0.8033% | 3,280 |
| Return on assets (ROA) | 0.8033% | 3,431 |
| Pretax return on assets | 1.2935% | 2,322 |
| Return on Equity (ROE) | 6.1425% | 4,081 |
| Retained earnings to average equity (ytd only) | 2.1098% | 4,927 |
| Net charge-offs to loans | 0.1524% | 2,882 |
| Credit loss provision to net charge-offs | 257.0093% | 976 |
| Earnings coverage of net charge-offs (x) | 13.4579% | 1,902 |
| Efficiency ratio | 64.8319% | 4,735 |
| Assets per employee ($millions) | 3.8337% | 4,144 |
| Cash dividends to net income (ytd only)* | 65.6531% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5499% | 3,364 |
| Loan loss allowance to noncurrent loans | 63.4111% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 2.7414% | 1,511 |
| Noncurrent loans to loans | 2.4442% | 1,916 |
| Net loans and leases to total assets | 77.9631% | 755 |
| Net loans and leases to deposits | 90.2936% | 1,116 |
| Net loans and leases to core deposits | 93.6086% | 1,554 |
| Total domestic deposits to total assets | 86.3440% | 3,182 |
| Equity capital to assets | 13.2121% | 1,254 |
| Core capital (leverage) ratio | 8.9886% | 5,011 |
| Tier 1 risk-based capital ratio | 11.2932% | 6,207 |
| Total risk-based capital ratio | 12.5474% | 6,169 |
| Memoranda: | ||
| Average total assets | $360,251,000 | 1,817 |
| Average earning assets | $318,990,670 | 1,875 |
| Average equity | $47,114,330 | 1,506 |
| Average total loans | $280,894,000 | 1,511 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8399% | 1,212 |
| Cost of funding earning assets | 0.6903% | 2,307 |
| Net interest margin | 4.1495% | 1,329 |
| Noninterest income to average assets | 1.1875% | 1,064 |
| Noninterest expense to average assets | 3.0477% | 2,846 |
| Loan and lease loss provision to assets | 0.3590% | 898 |
| Net operating income to assets | 0.9124% | 2,594 |
| Return on assets (ROA) | 0.9124% | 2,742 |
| Pretax return on assets | 1.4592% | 1,687 |
| Return on Equity (ROE) | 7.0121% | 3,481 |
| Retained earnings to average equity (ytd only) | 2.7675% | 4,625 |
| Net charge-offs to loans | 0.2313% | 2,056 |
| Credit loss provision to net charge-offs | 200.6173% | 1,078 |
| Earnings coverage of net charge-offs (x) | 10.1605% | 1,770 |
| Efficiency ratio | 61.6118% | 5,359 |
| Assets per employee ($millions) | 3.9662% | 4,023 |
| Cash dividends to net income (ytd only)* | 60.5327% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5251% | 3,716 |
| Loan loss allowance to noncurrent loans | 53.4665% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 3.1367% | 1,403 |
| Noncurrent loans to loans | 2.8525% | 1,774 |
| Net loans and leases to total assets | 75.1912% | 939 |
| Net loans and leases to deposits | 87.2192% | 1,221 |
| Net loans and leases to core deposits | 90.5025% | 1,656 |
| Total domestic deposits to total assets | 86.2094% | 3,409 |
| Equity capital to assets | 13.0968% | 1,387 |
| Core capital (leverage) ratio | 8.7791% | 5,220 |
| Tier 1 risk-based capital ratio | 11.4204% | 6,226 |
| Total risk-based capital ratio | 12.6745% | 6,200 |
| Memoranda: | ||
| Average total assets | $362,107,500 | 1,823 |
| Average earning assets | $320,999,000 | 1,888 |
| Average equity | $47,118,500 | 1,529 |
| Average total loans | $280,169,000 | 1,524 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6423% | 471 |
| Cost of funding earning assets | 0.7687% | 2,930 |
| Net interest margin | 4.8736% | 474 |
| Noninterest income to average assets | 0.3570% | 4,921 |
| Noninterest expense to average assets | 2.9480% | 3,475 |
| Loan and lease loss provision to assets | 0.3248% | 2,099 |
| Net operating income to assets | 0.8732% | 2,941 |
| Return on assets (ROA) | 0.8732% | 3,184 |
| Pretax return on assets | 1.4031% | 2,029 |
| Return on Equity (ROE) | 6.5551% | 3,882 |
| Retained earnings to average equity (ytd only) | 0.7806% | 5,472 |
| Net charge-offs to loans | 0.2394% | 3,503 |
| Credit loss provision to net charge-offs | 172.2054% | 1,530 |
| Earnings coverage of net charge-offs (x) | 9.1616% | 2,298 |
| Efficiency ratio | 61.9448% | 5,246 |
| Assets per employee ($millions) | 4.1284% | 3,691 |
| Cash dividends to net income (ytd only)* | 88.0914% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 4,081 |
| Loan loss allowance to noncurrent loans | 51.2951% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 3.1751% | 1,468 |
| Noncurrent loans to loans | 2.7659% | 1,910 |
| Net loans and leases to total assets | 77.2692% | 762 |
| Net loans and leases to deposits | 89.4980% | 1,120 |
| Net loans and leases to core deposits | 93.5511% | 1,507 |
| Total domestic deposits to total assets | 86.3362% | 3,181 |
| Equity capital to assets | 12.9283% | 1,483 |
| Core capital (leverage) ratio | 8.8183% | 5,150 |
| Tier 1 risk-based capital ratio | 10.8030% | 6,425 |
| Total risk-based capital ratio | 12.0557% | 6,400 |
| Memoranda: | ||
| Average total assets | $351,016,800 | 1,845 |
| Average earning assets | $311,063,000 | 1,901 |
| Average equity | $46,757,200 | 1,492 |
| Average total loans | $276,553,600 | 1,505 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6787% | 482 |
| Cost of funding earning assets | 0.7836% | 3,083 |
| Net interest margin | 4.8951% | 477 |
| Noninterest income to average assets | 0.3545% | 4,985 |
| Noninterest expense to average assets | 2.9460% | 3,427 |
| Loan and lease loss provision to assets | 0.2931% | 2,240 |
| Net operating income to assets | 0.9055% | 2,962 |
| Return on assets (ROA) | 0.9055% | 3,191 |
| Pretax return on assets | 1.4554% | 2,060 |
| Return on Equity (ROE) | 6.7458% | 3,936 |
| Retained earnings to average equity (ytd only) | 0.9649% | 5,782 |
| Net charge-offs to loans | 0.1059% | 4,333 |
| Credit loss provision to net charge-offs | 350.9174% | 765 |
| Earnings coverage of net charge-offs (x) | 20.9312% | 1,430 |
| Efficiency ratio | 61.6439% | 5,211 |
| Assets per employee ($millions) | 4.1194% | 3,648 |
| Cash dividends to net income (ytd only)* | 85.6960% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4732% | 4,055 |
| Loan loss allowance to noncurrent loans | 56.4501% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 3.2572% | 1,567 |
| Noncurrent loans to loans | 2.6098% | 2,187 |
| Net loans and leases to total assets | 78.4823% | 674 |
| Net loans and leases to deposits | 91.2197% | 1,032 |
| Net loans and leases to core deposits | 95.5923% | 1,445 |
| Total domestic deposits to total assets | 86.0366% | 3,237 |
| Equity capital to assets | 13.4279% | 1,382 |
| Core capital (leverage) ratio | 9.0267% | 5,023 |
| Tier 1 risk-based capital ratio | 10.7833% | 6,568 |
| Total risk-based capital ratio | 12.0361% | 6,544 |
| Memoranda: | ||
| Average total assets | $347,947,250 | 1,883 |
| Average earning assets | $308,488,750 | 1,938 |
| Average equity | $46,704,500 | 1,512 |
| Average total loans | $274,503,250 | 1,524 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6123% | 565 |
| Cost of funding earning assets | 0.7993% | 3,193 |
| Net interest margin | 4.8129% | 547 |
| Noninterest income to average assets | 0.3226% | 5,245 |
| Noninterest expense to average assets | 2.9434% | 3,461 |
| Loan and lease loss provision to assets | 0.2938% | 2,226 |
| Net operating income to assets | 0.8456% | 3,165 |
| Return on assets (ROA) | 0.8456% | 3,435 |
| Pretax return on assets | 1.3548% | 2,373 |
| Return on Equity (ROE) | 6.3004% | 4,158 |
| Retained earnings to average equity (ytd only) | 0.5064% | 5,865 |
| Net charge-offs to loans | 0.0674% | 4,486 |
| Credit loss provision to net charge-offs | 554.3478% | 558 |
| Earnings coverage of net charge-offs (x) | 31.1087% | 1,048 |
| Efficiency ratio | 62.9579% | 5,089 |
| Assets per employee ($millions) | 4.1588% | 3,548 |
| Cash dividends to net income (ytd only)* | 91.9619% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4355% | 4,311 |
| Loan loss allowance to noncurrent loans | 71.5441% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 2.8144% | 1,957 |
| Noncurrent loans to loans | 2.0065% | 2,945 |
| Net loans and leases to total assets | 79.1682% | 599 |
| Net loans and leases to deposits | 92.8411% | 859 |
| Net loans and leases to core deposits | 97.2627% | 1,323 |
| Total domestic deposits to total assets | 85.2727% | 3,723 |
| Equity capital to assets | 13.5250% | 1,294 |
| Core capital (leverage) ratio | 8.9822% | 4,941 |
| Tier 1 risk-based capital ratio | 10.7468% | 6,597 |
| Total risk-based capital ratio | 11.9991% | 6,585 |
| Memoranda: | ||
| Average total assets | $347,214,670 | 1,888 |
| Average earning assets | $308,004,330 | 1,935 |
| Average equity | $46,600,330 | 1,498 |
| Average total loans | $273,034,000 | 1,534 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5203% | 727 |
| Cost of funding earning assets | 0.8274% | 3,260 |
| Net interest margin | 4.6929% | 691 |
| Noninterest income to average assets | 0.2883% | 5,567 |
| Noninterest expense to average assets | 2.8820% | 3,700 |
| Loan and lease loss provision to assets | 0.2929% | 2,126 |
| Net operating income to assets | 0.8006% | 3,375 |
| Return on assets (ROA) | 0.8006% | 3,609 |
| Pretax return on assets | 1.2831% | 2,597 |
| Return on Equity (ROE) | 5.9883% | 4,303 |
| Retained earnings to average equity (ytd only) | 0.1890% | 5,919 |
| Net charge-offs to loans | 0.1063% | 3,492 |
| Credit loss provision to net charge-offs | 354.1667% | 866 |
| Earnings coverage of net charge-offs (x) | 19.0556% | 1,239 |
| Efficiency ratio | 63.4888% | 5,020 |
| Assets per employee ($millions) | 3.9124% | 4,176 |
| Cash dividends to net income (ytd only)* | 96.8436% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 4,688 |
| Loan loss allowance to noncurrent loans | 79.0418% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 2.7363% | 2,153 |
| Noncurrent loans to loans | 1.7476% | 3,492 |
| Net loans and leases to total assets | 76.7875% | 718 |
| Net loans and leases to deposits | 89.4184% | 1,018 |
| Net loans and leases to core deposits | 92.3521% | 1,614 |
| Total domestic deposits to total assets | 85.8744% | 3,606 |
| Equity capital to assets | 13.3752% | 1,289 |
| Core capital (leverage) ratio | 8.9690% | 4,885 |
| Tier 1 risk-based capital ratio | 10.9939% | 6,540 |
| Total risk-based capital ratio | 12.2456% | 6,527 |
| Memoranda: | ||
| Average total assets | $348,230,500 | 1,895 |
| Average earning assets | $309,405,500 | 1,932 |
| Average equity | $46,557,500 | 1,496 |
| Average total loans | $270,923,500 | 1,549 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6109% | 933 |
| Cost of funding earning assets | 1.0631% | 2,930 |
| Net interest margin | 4.5478% | 1,030 |
| Noninterest income to average assets | 0.2779% | 5,539 |
| Noninterest expense to average assets | 2.7174% | 4,678 |
| Loan and lease loss provision to assets | 0.3712% | 2,763 |
| Net operating income to assets | 0.7624% | 3,205 |
| Return on assets (ROA) | 0.7672% | 3,349 |
| Pretax return on assets | 1.2416% | 2,322 |
| Return on Equity (ROE) | 5.8058% | 3,968 |
| Retained earnings to average equity (ytd only) | 0.3164% | 5,689 |
| Net charge-offs to loans | 0.5309% | 2,880 |
| Credit loss provision to net charge-offs | 90.4993% | 3,985 |
| Earnings coverage of net charge-offs (x) | 3.9140% | 3,338 |
| Efficiency ratio | 61.6701% | 5,507 |
| Assets per employee ($millions) | 4.0971% | 3,653 |
| Cash dividends to net income (ytd only)* | 94.5495% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 4,832 |
| Loan loss allowance to noncurrent loans | 62.9885% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 2.9286% | 2,056 |
| Noncurrent loans to loans | 2.0888% | 3,079 |
| Net loans and leases to total assets | 76.7143% | 864 |
| Net loans and leases to deposits | 89.2662% | 1,234 |
| Net loans and leases to core deposits | 93.0820% | 1,789 |
| Total domestic deposits to total assets | 85.9388% | 3,358 |
| Equity capital to assets | 13.3643% | 1,337 |
| Core capital (leverage) ratio | 8.9206% | 4,901 |
| Tier 1 risk-based capital ratio | 11.0868% | 6,409 |
| Total risk-based capital ratio | 12.3376% | 6,388 |
| Memoranda: | ||
| Average total assets | $351,554,400 | 1,844 |
| Average earning assets | $312,675,600 | 1,885 |
| Average equity | $46,453,400 | 1,469 |
| Average total loans | $271,630,800 | 1,557 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8892% | 574 |
| Cost of funding earning assets | 1.3779% | 1,328 |
| Net interest margin | 4.5113% | 1,118 |
| Noninterest income to average assets | 0.2476% | 5,847 |
| Noninterest expense to average assets | 2.5391% | 5,317 |
| Loan and lease loss provision to assets | 0.2029% | 3,988 |
| Net operating income to assets | 1.1634% | 1,768 |
| Return on assets (ROA) | 1.1634% | 1,881 |
| Pretax return on assets | 1.7883% | 976 |
| Return on Equity (ROE) | 13.2414% | 1,221 |
| Retained earnings to average equity (ytd only) | 4.7730% | 3,327 |
| Net charge-offs to loans | -0.0290% | 6,969 |
| Credit loss provision to net charge-offs | -833.3333% | 6,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0466% | 6,281 |
| Assets per employee ($millions) | 6.2971% | 1,036 |
| Cash dividends to net income (ytd only)* | 63.9538% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 4,878 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 85.6998% | 137 |
| Net loans and leases to deposits | 99.0729% | 510 |
| Net loans and leases to core deposits | 102.8063% | 1,051 |
| Total domestic deposits to total assets | 86.5018% | 2,930 |
| Equity capital to assets | 8.7193% | 6,062 |
| Core capital (leverage) ratio | 8.5612% | 5,615 |
| Tier 1 risk-based capital ratio | 10.5428% | 6,764 |
| Total risk-based capital ratio | 11.7949% | 6,745 |
| Memoranda: | ||
| Average total assets | $98,561,750 | 4,964 |
| Average earning assets | $93,569,750 | 4,856 |
| Average equity | $8,659,500 | 5,397 |
| Average total loans | $82,716,000 | 4,098 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9547% | 519 |
| Cost of funding earning assets | 1.4833% | 1,060 |
| Net interest margin | 4.4714% | 1,197 |
| Noninterest income to average assets | 0.3189% | 5,350 |
| Noninterest expense to average assets | 2.5779% | 5,268 |
| Loan and lease loss provision to assets | 0.1840% | 4,081 |
| Net operating income to assets | 1.1673% | 1,673 |
| Return on assets (ROA) | 1.1673% | 1,750 |
| Pretax return on assets | 1.7970% | 884 |
| Return on Equity (ROE) | 13.2518% | 1,146 |
| Retained earnings to average equity (ytd only) | 6.2894% | 2,252 |
| Net charge-offs to loans | -0.0468% | 7,017 |
| Credit loss provision to net charge-offs | -473.6842% | 6,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5471% | 6,355 |
| Assets per employee ($millions) | 6.0793% | 1,145 |
| Cash dividends to net income (ytd only)* | 52.5394% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3648% | 4,751 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 82.0261% | 369 |
| Net loans and leases to deposits | 92.1540% | 1,041 |
| Net loans and leases to core deposits | 96.1764% | 1,669 |
| Total domestic deposits to total assets | 89.0099% | 1,523 |
| Equity capital to assets | 8.9638% | 5,631 |
| Core capital (leverage) ratio | 8.7366% | 5,167 |
| Tier 1 risk-based capital ratio | 11.0507% | 6,484 |
| Total risk-based capital ratio | 12.3027% | 6,469 |
| Memoranda: | ||
| Average total assets | $97,831,000 | 5,028 |
| Average earning assets | $92,766,330 | 4,910 |
| Average equity | $8,617,670 | 5,426 |
| Average total loans | $81,118,330 | 4,176 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9721% | 498 |
| Cost of funding earning assets | 1.5521% | 972 |
| Net interest margin | 4.4199% | 1,237 |
| Noninterest income to average assets | 0.5015% | 3,871 |
| Noninterest expense to average assets | 2.5196% | 5,483 |
| Loan and lease loss provision to assets | 0.1223% | 4,480 |
| Net operating income to assets | 1.3332% | 1,196 |
| Return on assets (ROA) | 1.3332% | 1,243 |
| Pretax return on assets | 2.0507% | 512 |
| Return on Equity (ROE) | 15.2679% | 779 |
| Retained earnings to average equity (ytd only) | 15.2679% | 365 |
| Net charge-offs to loans | -0.0936% | 7,068 |
| Credit loss provision to net charge-offs | -157.8947% | 5,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6924% | 6,720 |
| Assets per employee ($millions) | 6.1266% | 1,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3088% | 5,089 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 6,944 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 80.3062% | 488 |
| Net loans and leases to deposits | 90.8400% | 1,138 |
| Net loans and leases to core deposits | 94.9235% | 1,778 |
| Total domestic deposits to total assets | 88.4041% | 2,140 |
| Equity capital to assets | 8.8956% | 5,352 |
| Core capital (leverage) ratio | 8.8205% | 4,897 |
| Tier 1 risk-based capital ratio | 11.2788% | 6,278 |
| Total risk-based capital ratio | 12.5306% | 6,256 |
| Memoranda: | ||
| Average total assets | $98,112,000 | 5,051 |
| Average earning assets | $93,033,000 | 4,942 |
| Average equity | $8,567,000 | 5,442 |
| Average total loans | $81,232,500 | 4,214 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8323% | 1,194 |
| Cost of funding earning assets | 2.0881% | 448 |
| Net interest margin | 3.7442% | 4,166 |
| Noninterest income to average assets | 0.2290% | 6,166 |
| Noninterest expense to average assets | 2.7143% | 4,928 |
| Loan and lease loss provision to assets | 0.2835% | 4,536 |
| Net operating income to assets | 0.5200% | 4,002 |
| Return on assets (ROA) | 0.5200% | 4,158 |
| Pretax return on assets | 0.7725% | 3,718 |
| Return on Equity (ROE) | 5.9972% | 3,612 |
| Retained earnings to average equity (ytd only) | 5.9972% | 1,815 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9921% | 3,798 |
| Assets per employee ($millions) | 6.1374% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 5,501 |
| Loan loss allowance to noncurrent loans | 375.4717% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.3564% | 6,372 |
| Noncurrent loans to loans | 0.3204% | 6,410 |
| Net loans and leases to total assets | 83.2043% | 362 |
| Net loans and leases to deposits | 94.0847% | 1,059 |
| Net loans and leases to core deposits | 98.2858% | 1,768 |
| Total domestic deposits to total assets | 88.4356% | 1,994 |
| Equity capital to assets | 8.5684% | 5,762 |
| Core capital (leverage) ratio | 8.3578% | 5,599 |
| Tier 1 risk-based capital ratio | 10.4611% | 6,724 |
| Total risk-based capital ratio | 11.7121% | 6,701 |
| Memoranda: | ||
| Average total assets | $93,466,400 | 5,178 |
| Average earning assets | $88,403,800 | 5,069 |
| Average equity | $8,103,800 | 5,683 |
| Average total loans | $76,503,000 | 4,436 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7943% | 1,416 |
| Cost of funding earning assets | 2.1717% | 415 |
| Net interest margin | 3.6226% | 4,770 |
| Noninterest income to average assets | 0.1300% | 6,906 |
| Noninterest expense to average assets | 2.6613% | 5,058 |
| Loan and lease loss provision to assets | 0.2962% | 4,206 |
| Net operating income to assets | 0.4060% | 4,725 |
| Return on assets (ROA) | 0.4060% | 4,899 |
| Pretax return on assets | 0.5924% | 4,622 |
| Return on Equity (ROE) | 4.6679% | 4,467 |
| Retained earnings to average equity (ytd only) | 4.6679% | 3,216 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9695% | 3,151 |
| Assets per employee ($millions) | 6.3424% | 1,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1807% | 5,589 |
| Loan loss allowance to noncurrent loans | 351.5038% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.3774% | 6,465 |
| Noncurrent loans to loans | 0.3359% | 6,519 |
| Net loans and leases to total assets | 77.1164% | 1,199 |
| Net loans and leases to deposits | 89.4315% | 1,798 |
| Net loans and leases to core deposits | 93.4345% | 2,602 |
| Total domestic deposits to total assets | 86.2297% | 2,960 |
| Equity capital to assets | 8.1524% | 6,665 |
| Core capital (leverage) ratio | 8.3907% | 5,712 |
| Tier 1 risk-based capital ratio | 10.1961% | 6,960 |
| Total risk-based capital ratio | 11.3715% | 6,982 |
| Memoranda: | ||
| Average total assets | $92,283,500 | 5,280 |
| Average earning assets | $87,118,500 | 5,172 |
| Average equity | $8,026,250 | 5,783 |
| Average total loans | $74,953,750 | 4,564 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9068% | 1,166 |
| Cost of funding earning assets | 2.2704% | 372 |
| Net interest margin | 3.6364% | 4,652 |
| Noninterest income to average assets | 0.1502% | 6,814 |
| Noninterest expense to average assets | 2.6699% | 5,038 |
| Loan and lease loss provision to assets | 0.4035% | 3,301 |
| Net operating income to assets | 0.3475% | 4,986 |
| Return on assets (ROA) | 0.3475% | 5,152 |
| Pretax return on assets | 0.5021% | 4,896 |
| Return on Equity (ROE) | 3.9023% | 4,820 |
| Retained earnings to average equity (ytd only) | 3.9023% | 3,604 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6708% | 3,338 |
| Assets per employee ($millions) | 5.4653% | 1,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 5,402 |
| Loan loss allowance to noncurrent loans | 343.3962% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.4230% | 6,392 |
| Noncurrent loans to loans | 0.3519% | 6,530 |
| Net loans and leases to total assets | 80.0613% | 788 |
| Net loans and leases to deposits | 92.1519% | 1,508 |
| Net loans and leases to core deposits | 95.3361% | 2,531 |
| Total domestic deposits to total assets | 86.8798% | 2,599 |
| Equity capital to assets | 8.6998% | 5,884 |
| Core capital (leverage) ratio | 8.8227% | 4,876 |
| Tier 1 risk-based capital ratio | 10.3423% | 6,804 |
| Total risk-based capital ratio | 11.5219% | 6,840 |
| Memoranda: | ||
| Average total assets | $89,218,330 | 5,416 |
| Average earning assets | $84,038,670 | 5,298 |
| Average equity | $7,944,000 | 5,825 |
| Average total loans | $73,541,000 | 4,654 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8579% | 1,304 |
| Cost of funding earning assets | 2.3685% | 337 |
| Net interest margin | 3.4894% | 5,204 |
| Noninterest income to average assets | 0.1648% | 6,789 |
| Noninterest expense to average assets | 2.6873% | 4,966 |
| Loan and lease loss provision to assets | 0.3434% | 3,322 |
| Net operating income to assets | 0.2838% | 5,355 |
| Return on assets (ROA) | 0.2838% | 5,488 |
| Pretax return on assets | 0.4120% | 5,253 |
| Return on Equity (ROE) | 3.1494% | 5,276 |
| Retained earnings to average equity (ytd only) | 3.1494% | 4,258 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0585% | 2,886 |
| Assets per employee ($millions) | 5.9998% | 1,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0747% | 6,126 |
| Loan loss allowance to noncurrent loans | 212.9630% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.5622% | 6,102 |
| Noncurrent loans to loans | 0.5046% | 6,285 |
| Net loans and leases to total assets | 82.3361% | 550 |
| Net loans and leases to deposits | 95.7971% | 1,134 |
| Net loans and leases to core deposits | 100.3317% | 2,095 |
| Total domestic deposits to total assets | 85.9484% | 3,177 |
| Equity capital to assets | 8.7892% | 5,570 |
| Core capital (leverage) ratio | 9.0962% | 4,380 |
| Tier 1 risk-based capital ratio | 10.2303% | 6,865 |
| Total risk-based capital ratio | 11.2751% | 7,008 |
| Memoranda: | ||
| Average total assets | $87,372,500 | 5,536 |
| Average earning assets | $82,077,500 | 5,435 |
| Average equity | $7,874,500 | 5,889 |
| Average total loans | $72,664,000 | 4,757 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0746% | 1,588 |
| Cost of funding earning assets | 2.8112% | 432 |
| Net interest margin | 3.2633% | 5,881 |
| Noninterest income to average assets | 0.0969% | 7,283 |
| Noninterest expense to average assets | 3.2639% | 3,145 |
| Loan and lease loss provision to assets | 0.3161% | 4,920 |
| Net operating income to assets | -0.2079% | 5,848 |
| Return on assets (ROA) | -0.2079% | 5,844 |
| Pretax return on assets | -0.3597% | 5,884 |
| Return on Equity (ROE) | -2.0859% | 5,871 |
| Retained earnings to average equity (ytd only) | -2.0859% | 5,536 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3525% | 1,040 |
| Assets per employee ($millions) | 5.6499% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0366% | 6,190 |
| Loan loss allowance to noncurrent loans | 244.9664% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.3516% | 6,565 |
| Noncurrent loans to loans | 0.4232% | 6,425 |
| Net loans and leases to total assets | 82.2356% | 651 |
| Net loans and leases to deposits | 95.9734% | 1,332 |
| Net loans and leases to core deposits | 126.6478% | 1,467 |
| Total domestic deposits to total assets | 85.6858% | 3,174 |
| Equity capital to assets | 9.2498% | 4,771 |
| Core capital (leverage) ratio | 9.2682% | 4,028 |
| Tier 1 risk-based capital ratio | 10.6294% | 6,270 |
| Total risk-based capital ratio | 11.6445% | 6,474 |
| Memoranda: | ||
| Average total assets | $71,172,600 | 5,967 |
| Average earning assets | $68,120,200 | 5,865 |
| Average equity | $7,095,400 | 6,237 |
| Average total loans | $59,365,000 | 5,280 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8736% | 2,564 |
| Cost of funding earning assets | 2.7444% | 697 |
| Net interest margin | 3.1292% | 6,238 |
| Noninterest income to average assets | 0.0767% | 7,522 |
| Noninterest expense to average assets | 3.3992% | 2,579 |
| Loan and lease loss provision to assets | 0.3443% | 4,259 |
| Net operating income to assets | -0.3954% | 6,315 |
| Return on assets (ROA) | -0.3954% | 6,312 |
| Pretax return on assets | -0.6590% | 6,452 |
| Return on Equity (ROE) | -3.8786% | 6,333 |
| Retained earnings to average equity (ytd only) | -3.8786% | 6,096 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.2041% | 767 |
| Assets per employee ($millions) | 5.2383% | 1,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0339% | 6,090 |
| Loan loss allowance to noncurrent loans | 228.1879% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.3793% | 6,525 |
| Noncurrent loans to loans | 0.4531% | 6,417 |
| Net loans and leases to total assets | 82.8393% | 690 |
| Net loans and leases to deposits | 96.0980% | 1,561 |
| Net loans and leases to core deposits | 131.5475% | 1,345 |
| Total domestic deposits to total assets | 86.2030% | 2,586 |
| Equity capital to assets | 9.9128% | 4,199 |
| Core capital (leverage) ratio | 10.0854% | 3,195 |
| Tier 1 risk-based capital ratio | 11.1376% | 5,827 |
| Total risk-based capital ratio | 12.1366% | 6,029 |
| Memoranda: | ||
| Average total assets | $67,778,750 | 6,116 |
| Average earning assets | $65,148,250 | 5,998 |
| Average equity | $6,909,500 | 6,348 |
| Average total loans | $56,600,500 | 5,440 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8586% | 2,767 |
| Cost of funding earning assets | 2.7962% | 799 |
| Net interest margin | 3.0625% | 6,359 |
| Noninterest income to average assets | 0.0686% | 7,645 |
| Noninterest expense to average assets | 3.5525% | 2,187 |
| Loan and lease loss provision to assets | 0.3116% | 4,078 |
| Net operating income to assets | -0.5235% | 6,572 |
| Return on assets (ROA) | -0.5235% | 6,580 |
| Pretax return on assets | -0.8570% | 6,718 |
| Return on Equity (ROE) | -5.0783% | 6,616 |
| Retained earnings to average equity (ytd only) | -5.0783% | 6,310 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.1347% | 702 |
| Assets per employee ($millions) | 6.8551% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0634% | 5,819 |
| Loan loss allowance to noncurrent loans | 203.0201% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.3952% | 6,477 |
| Noncurrent loans to loans | 0.5238% | 6,224 |
| Net loans and leases to total assets | 74.6439% | 2,531 |
| Net loans and leases to deposits | 87.1138% | 3,336 |
| Net loans and leases to core deposits | 120.3953% | 2,335 |
| Total domestic deposits to total assets | 85.6855% | 2,931 |
| Equity capital to assets | 10.3148% | 3,604 |
| Core capital (leverage) ratio | 10.8338% | 2,540 |
| Tier 1 risk-based capital ratio | 12.5659% | 4,470 |
| Total risk-based capital ratio | 13.5661% | 4,585 |
| Memoranda: | ||
| Average total assets | $64,180,000 | 6,295 |
| Average earning assets | $61,584,330 | 6,162 |
| Average equity | $6,616,330 | 6,492 |
| Average total loans | $53,543,670 | 5,615 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1211% | 1,866 |
| Cost of funding earning assets | 2.8180% | 936 |
| Net interest margin | 3.3031% | 5,486 |
| Noninterest income to average assets | 0.0615% | 7,760 |
| Noninterest expense to average assets | 3.3944% | 2,376 |
| Loan and lease loss provision to assets | 0.3415% | 3,280 |
| Net operating income to assets | -0.3073% | 6,690 |
| Return on assets (ROA) | -0.3073% | 6,766 |
| Pretax return on assets | -0.5122% | 6,828 |
| Return on Equity (ROE) | -2.9824% | 6,772 |
| Retained earnings to average equity (ytd only) | -2.9824% | 6,274 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2966% | 943 |
| Assets per employee ($millions) | 6.9662% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 5,938 |
| Loan loss allowance to noncurrent loans | 185.0000% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.4785% | 6,053 |
| Noncurrent loans to loans | 0.5567% | 6,023 |
| Net loans and leases to total assets | 85.0708% | 540 |
| Net loans and leases to deposits | 100.5865% | 1,330 |
| Net loans and leases to core deposits | 141.6175% | 1,035 |
| Total domestic deposits to total assets | 84.5748% | 3,427 |
| Equity capital to assets | 10.5541% | 3,407 |
| Core capital (leverage) ratio | 11.3514% | 2,245 |
| Tier 1 risk-based capital ratio | 11.3660% | 5,541 |
| Total risk-based capital ratio | 12.3479% | 5,720 |
| Memoranda: | ||
| Average total assets | $58,567,000 | 6,523 |
| Average earning assets | $56,068,000 | 6,413 |
| Average equity | $6,035,500 | 6,744 |
| Average total loans | $51,870,000 | 5,725 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2017% | 748 |
| Cost of funding earning assets | 3.3163% | 878 |
| Net interest margin | 3.8854% | 3,636 |
| Noninterest income to average assets | 0.0936% | 7,662 |
| Noninterest expense to average assets | 4.6677% | 786 |
| Loan and lease loss provision to assets | 0.8045% | 1,843 |
| Net operating income to assets | -1.0474% | 7,271 |
| Return on assets (ROA) | -1.0474% | 7,198 |
| Pretax return on assets | -1.6824% | 7,335 |
| Return on Equity (ROE) | -8.6510% | 7,170 |
| Retained earnings to average equity (ytd only) | -8.6510% | 6,935 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.1642% | 540 |
| Assets per employee ($millions) | 6.0487% | 1,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0131% | 5,900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 90.6426% | 155 |
| Net loans and leases to deposits | 107.3910% | 1,011 |
| Net loans and leases to core deposits | 162.1824% | 530 |
| Total domestic deposits to total assets | 84.4043% | 3,127 |
| Equity capital to assets | 10.0187% | 4,014 |
| Core capital (leverage) ratio | 9.9336% | 3,513 |
| Tier 1 risk-based capital ratio | 10.1699% | 6,552 |
| Total risk-based capital ratio | 11.1450% | 6,736 |
| Memoranda: | ||
| Average total assets | $39,526,800 | 7,236 |
| Average earning assets | $37,602,200 | 7,169 |
| Average equity | $4,785,600 | 7,211 |
| Average total loans | $36,580,800 | 6,339 |