Home > Range Bank > Performance and Condition Ratios
Range Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7983% | 4,183 |
| Cost of funding earning assets | 1.3920% | 2,250 |
| Net interest margin | 2.4063% | 4,182 |
| Noninterest income to average assets | 0.8200% | 901 |
| Noninterest expense to average assets | 2.5496% | 2,158 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 0.4854% | 3,695 |
| Return on assets (ROA) | 0.3801% | 3,904 |
| Pretax return on assets | 0.4243% | 3,926 |
| Return on Equity (ROE) | 5.5200% | 3,620 |
| Retained earnings to average equity (ytd only) | 2.5388% | 3,431 |
| Net charge-offs to loans | -0.0024% | 3,713 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 82.9732% | 722 |
| Assets per employee ($millions) | 5.4717% | 3,274 |
| Cash dividends to net income (ytd only)* | 54.0334% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5913% | 854 |
| Loan loss allowance to noncurrent loans | 1,139.6588% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.0824% | 2,991 |
| Noncurrent loans to loans | 0.1396% | 2,816 |
| Net loans and leases to total assets | 58.0900% | 3,028 |
| Net loans and leases to deposits | 66.6689% | 3,130 |
| Net loans and leases to core deposits | 69.6883% | 3,326 |
| Total domestic deposits to total assets | 87.1200% | 1,638 |
| Equity capital to assets | 7.1760% | 3,866 |
| Core capital (leverage) ratio | 8.3360% | 4,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9127% | 1,893 |
| Memoranda: | ||
| Average total assets | $551,224,200 | 1,609 |
| Average earning assets | $515,024,800 | 1,588 |
| Average equity | $37,932,000 | 1,943 |
| Average total loans | $330,736,000 | 1,684 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6797% | 4,235 |
| Cost of funding earning assets | 1.2511% | 2,280 |
| Net interest margin | 2.4286% | 4,202 |
| Noninterest income to average assets | 0.7400% | 1,065 |
| Noninterest expense to average assets | 2.5739% | 2,021 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 0.3858% | 3,987 |
| Return on assets (ROA) | 0.3858% | 3,987 |
| Pretax return on assets | 0.4611% | 3,974 |
| Return on Equity (ROE) | 5.6700% | 3,695 |
| Retained earnings to average equity (ytd only) | 2.2182% | 3,682 |
| Net charge-offs to loans | -0.0028% | 3,633 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 85.4933% | 534 |
| Assets per employee ($millions) | 5.3276% | 3,324 |
| Cash dividends to net income (ytd only)* | 60.8723% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5748% | 928 |
| Loan loss allowance to noncurrent loans | 640.0000% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.1438% | 2,614 |
| Noncurrent loans to loans | 0.2461% | 2,365 |
| Net loans and leases to total assets | 57.5200% | 3,071 |
| Net loans and leases to deposits | 64.4299% | 3,235 |
| Net loans and leases to core deposits | 65.9668% | 3,429 |
| Total domestic deposits to total assets | 89.2700% | 1,163 |
| Equity capital to assets | 6.3512% | 3,876 |
| Core capital (leverage) ratio | 8.3618% | 4,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6725% | 2,018 |
| Memoranda: | ||
| Average total assets | $546,767,250 | 1,623 |
| Average earning assets | $510,349,500 | 1,599 |
| Average equity | $37,206,250 | 1,959 |
| Average total loans | $329,450,000 | 1,687 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6125% | 4,236 |
| Cost of funding earning assets | 1.0543% | 2,437 |
| Net interest margin | 2.5581% | 4,152 |
| Noninterest income to average assets | 0.8800% | 722 |
| Noninterest expense to average assets | 2.6774% | 1,697 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4852% | 3,837 |
| Return on assets (ROA) | 0.4852% | 3,845 |
| Pretax return on assets | 0.5868% | 3,825 |
| Return on Equity (ROE) | 6.9600% | 3,488 |
| Retained earnings to average equity (ytd only) | 3.3553% | 3,388 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 82.0231% | 710 |
| Assets per employee ($millions) | 4.6570% | 3,855 |
| Cash dividends to net income (ytd only)* | 51.8091% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6139% | 908 |
| Loan loss allowance to noncurrent loans | 560.5155% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.1796% | 2,297 |
| Noncurrent loans to loans | 0.2879% | 2,108 |
| Net loans and leases to total assets | 61.3600% | 2,634 |
| Net loans and leases to deposits | 69.9477% | 2,791 |
| Net loans and leases to core deposits | 71.2464% | 3,051 |
| Total domestic deposits to total assets | 87.7200% | 1,700 |
| Equity capital to assets | 6.8764% | 3,858 |
| Core capital (leverage) ratio | 8.6993% | 4,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7479% | 2,007 |
| Memoranda: | ||
| Average total assets | $535,452,333 | 1,648 |
| Average earning assets | $499,270,000 | 1,637 |
| Average equity | $37,314,333 | 1,966 |
| Average total loans | $326,152,333 | 1,685 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4624% | 4,304 |
| Cost of funding earning assets | 0.7683% | 2,844 |
| Net interest margin | 2.6941% | 4,079 |
| Noninterest income to average assets | 0.9800% | 598 |
| Noninterest expense to average assets | 2.7418% | 1,567 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6153% | 3,661 |
| Return on assets (ROA) | 0.6153% | 3,617 |
| Pretax return on assets | 0.7511% | 3,560 |
| Return on Equity (ROE) | 8.7700% | 3,112 |
| Retained earnings to average equity (ytd only) | 4.6527% | 3,103 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.4962% | 955 |
| Assets per employee ($millions) | 4.5255% | 4,010 |
| Cash dividends to net income (ytd only)* | 46.9512% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6495% | 912 |
| Loan loss allowance to noncurrent loans | 562.8364% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 2,271 |
| Noncurrent loans to loans | 0.2931% | 2,090 |
| Net loans and leases to total assets | 59.2000% | 2,750 |
| Net loans and leases to deposits | 65.9047% | 2,940 |
| Net loans and leases to core deposits | 66.4453% | 3,193 |
| Total domestic deposits to total assets | 89.8300% | 1,220 |
| Equity capital to assets | 7.0818% | 3,791 |
| Core capital (leverage) ratio | 8.8246% | 3,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1069% | 1,945 |
| Memoranda: | ||
| Average total assets | $533,074,500 | 1,671 |
| Average earning assets | $497,229,500 | 1,663 |
| Average equity | $37,398,000 | 1,987 |
| Average total loans | $320,780,500 | 1,719 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0528% | 4,069 |
| Cost of funding earning assets | 0.2348% | 3,463 |
| Net interest margin | 2.8180% | 3,853 |
| Noninterest income to average assets | 1.1100% | 541 |
| Noninterest expense to average assets | 2.6308% | 1,729 |
| Loan and lease loss provision to assets | -0.1200% | 4,559 |
| Net operating income to assets | 1.0323% | 2,447 |
| Return on assets (ROA) | 0.9592% | 2,673 |
| Pretax return on assets | 1.1504% | 2,602 |
| Return on Equity (ROE) | 13.4000% | 1,683 |
| Retained earnings to average equity (ytd only) | 10.4973% | 1,003 |
| Net charge-offs to loans | -0.0923% | 4,506 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.2169% | 1,651 |
| Assets per employee ($millions) | 4.2505% | 4,172 |
| Cash dividends to net income (ytd only)* | 21.6477% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7429% | 745 |
| Loan loss allowance to noncurrent loans | 548.6377% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.1911% | 2,221 |
| Noncurrent loans to loans | 0.3177% | 2,013 |
| Net loans and leases to total assets | 59.1100% | 2,719 |
| Net loans and leases to deposits | 64.5495% | 2,993 |
| Net loans and leases to core deposits | 64.7930% | 3,220 |
| Total domestic deposits to total assets | 91.5700% | 761 |
| Equity capital to assets | 6.9455% | 3,700 |
| Core capital (leverage) ratio | 8.6473% | 4,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5135% | 1,778 |
| Memoranda: | ||
| Average total assets | $530,251,600 | 1,659 |
| Average earning assets | $496,920,600 | 1,638 |
| Average equity | $37,962,200 | 1,999 |
| Average total loans | $289,208,200 | 1,774 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9316% | 4,011 |
| Cost of funding earning assets | 0.1580% | 3,749 |
| Net interest margin | 2.7736% | 3,791 |
| Noninterest income to average assets | 1.1100% | 563 |
| Noninterest expense to average assets | 2.5470% | 1,876 |
| Loan and lease loss provision to assets | -0.1000% | 4,581 |
| Net operating income to assets | 1.0395% | 2,325 |
| Return on assets (ROA) | 1.0395% | 2,291 |
| Pretax return on assets | 1.2618% | 2,169 |
| Return on Equity (ROE) | 14.4200% | 1,316 |
| Retained earnings to average equity (ytd only) | 11.6655% | 871 |
| Net charge-offs to loans | -0.1232% | 4,541 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.6737% | 1,931 |
| Assets per employee ($millions) | 4.7367% | 3,883 |
| Cash dividends to net income (ytd only)* | 19.0763% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9055% | 597 |
| Loan loss allowance to noncurrent loans | 516.5455% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.1985% | 2,276 |
| Noncurrent loans to loans | 0.3689% | 1,918 |
| Net loans and leases to total assets | 52.7800% | 3,206 |
| Net loans and leases to deposits | 56.5607% | 3,434 |
| Net loans and leases to core deposits | 56.7603% | 3,574 |
| Total domestic deposits to total assets | 93.3200% | 493 |
| Equity capital to assets | 6.3092% | 3,836 |
| Core capital (leverage) ratio | 8.5091% | 4,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5455% | 1,860 |
| Memoranda: | ||
| Average total assets | $533,173,250 | 1,665 |
| Average earning assets | $500,416,500 | 1,639 |
| Average equity | $38,448,500 | 2,005 |
| Average total loans | $283,521,750 | 1,791 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8749% | 3,842 |
| Cost of funding earning assets | 0.1335% | 3,797 |
| Net interest margin | 2.7414% | 3,602 |
| Noninterest income to average assets | 1.0419% | 613 |
| Noninterest expense to average assets | 2.5095% | 1,898 |
| Loan and lease loss provision to assets | -0.1520% | 4,650 |
| Net operating income to assets | 1.0305% | 2,040 |
| Return on assets (ROA) | 1.0305% | 2,015 |
| Pretax return on assets | 1.2597% | 1,872 |
| Return on Equity (ROE) | 13.6886% | 1,192 |
| Retained earnings to average equity (ytd only) | 11.0579% | 775 |
| Net charge-offs to loans | -0.1852% | 4,580 |
| Credit loss provision to net charge-offs | 155.0388% | 1,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3779% | 2,052 |
| Assets per employee ($millions) | 4.4479% | 4,117 |
| Cash dividends to net income (ytd only)* | 19.2180% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9804% | 576 |
| Loan loss allowance to noncurrent loans | 334.5905% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.3434% | 1,631 |
| Noncurrent loans to loans | 0.5919% | 1,429 |
| Net loans and leases to total assets | 54.4688% | 2,913 |
| Net loans and leases to deposits | 60.1939% | 3,035 |
| Net loans and leases to core deposits | 60.4306% | 3,241 |
| Total domestic deposits to total assets | 90.4890% | 1,474 |
| Equity capital to assets | 7.0011% | 3,769 |
| Core capital (leverage) ratio | 8.5667% | 3,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7095% | 1,796 |
| Memoranda: | ||
| Average total assets | $526,166,000 | 1,686 |
| Average earning assets | $494,277,333 | 1,673 |
| Average equity | $39,609,667 | 2,017 |
| Average total loans | $278,631,667 | 1,813 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8286% | 3,690 |
| Cost of funding earning assets | 0.1328% | 3,730 |
| Net interest margin | 2.6958% | 3,409 |
| Noninterest income to average assets | 0.9713% | 721 |
| Noninterest expense to average assets | 2.4477% | 2,025 |
| Loan and lease loss provision to assets | -0.3012% | 4,728 |
| Net operating income to assets | 1.1196% | 1,476 |
| Return on assets (ROA) | 1.1196% | 1,467 |
| Pretax return on assets | 1.3628% | 1,350 |
| Return on Equity (ROE) | 14.3835% | 760 |
| Retained earnings to average equity (ytd only) | 11.9169% | 617 |
| Net charge-offs to loans | -0.3686% | 4,685 |
| Credit loss provision to net charge-offs | 158.1028% | 841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7490% | 2,265 |
| Assets per employee ($millions) | 4.6779% | 4,014 |
| Cash dividends to net income (ytd only)* | 17.1486% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0588% | 562 |
| Loan loss allowance to noncurrent loans | 483.6317% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.2340% | 2,243 |
| Noncurrent loans to loans | 0.4257% | 1,966 |
| Net loans and leases to total assets | 50.6075% | 3,116 |
| Net loans and leases to deposits | 54.7643% | 3,360 |
| Net loans and leases to core deposits | 55.0289% | 3,524 |
| Total domestic deposits to total assets | 92.4096% | 430 |
| Equity capital to assets | 7.2517% | 4,070 |
| Core capital (leverage) ratio | 8.1478% | 4,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0634% | 1,776 |
| Memoranda: | ||
| Average total assets | $531,268,500 | 1,679 |
| Average earning assets | $500,180,500 | 1,669 |
| Average equity | $41,353,000 | 2,001 |
| Average total loans | $274,589,500 | 1,816 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2041% | 3,461 |
| Cost of funding earning assets | 0.1751% | 3,711 |
| Net interest margin | 3.0290% | 3,115 |
| Noninterest income to average assets | 0.9794% | 1,043 |
| Noninterest expense to average assets | 2.6603% | 1,731 |
| Loan and lease loss provision to assets | 0.0597% | 1,865 |
| Net operating income to assets | 0.9774% | 2,763 |
| Return on assets (ROA) | 0.9774% | 2,832 |
| Pretax return on assets | 1.1213% | 2,903 |
| Return on Equity (ROE) | 11.2217% | 2,092 |
| Retained earnings to average equity (ytd only) | 8.4860% | 1,348 |
| Net charge-offs to loans | -0.0069% | 3,631 |
| Credit loss provision to net charge-offs | -1,578.9474% | 4,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2543% | 1,821 |
| Assets per employee ($millions) | 4.7255% | 3,945 |
| Cash dividends to net income (ytd only)* | 24.3788% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1270% | 497 |
| Loan loss allowance to noncurrent loans | 457.5472% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.2545% | 2,292 |
| Noncurrent loans to loans | 0.4649% | 1,973 |
| Net loans and leases to total assets | 50.6005% | 3,210 |
| Net loans and leases to deposits | 55.4612% | 3,468 |
| Net loans and leases to core deposits | 55.7374% | 3,640 |
| Total domestic deposits to total assets | 91.2358% | 409 |
| Equity capital to assets | 8.3199% | 4,166 |
| Core capital (leverage) ratio | 7.9517% | 4,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0439% | 1,829 |
| Memoranda: | ||
| Average total assets | $502,341,600 | 1,692 |
| Average earning assets | $474,641,400 | 1,674 |
| Average equity | $43,754,600 | 1,956 |
| Average total loans | $276,881,600 | 1,807 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2854% | 3,426 |
| Cost of funding earning assets | 0.1830% | 3,780 |
| Net interest margin | 3.1024% | 3,048 |
| Noninterest income to average assets | 1.0379% | 1,006 |
| Noninterest expense to average assets | 2.6332% | 1,743 |
| Loan and lease loss provision to assets | 0.0807% | 1,471 |
| Net operating income to assets | 1.0153% | 2,852 |
| Return on assets (ROA) | 1.0153% | 2,915 |
| Pretax return on assets | 1.2569% | 2,747 |
| Return on Equity (ROE) | 11.5186% | 2,206 |
| Retained earnings to average equity (ytd only) | 8.8877% | 1,739 |
| Net charge-offs to loans | 0.0533% | 1,122 |
| Credit loss provision to net charge-offs | 270.2703% | 1,052 |
| Earnings coverage of net charge-offs (x) | 44.7928% | 1,292 |
| Efficiency ratio | 66.3144% | 2,060 |
| Assets per employee ($millions) | 4.7267% | 3,940 |
| Cash dividends to net income (ytd only)* | 22.8405% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0962% | 537 |
| Loan loss allowance to noncurrent loans | 238.9752% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.4697% | 1,615 |
| Noncurrent loans to loans | 0.8772% | 1,311 |
| Net loans and leases to total assets | 49.3199% | 3,491 |
| Net loans and leases to deposits | 54.1033% | 3,730 |
| Net loans and leases to core deposits | 54.3685% | 3,891 |
| Total domestic deposits to total assets | 91.1588% | 319 |
| Equity capital to assets | 8.2998% | 4,349 |
| Core capital (leverage) ratio | 8.1048% | 4,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2884% | 1,867 |
| Memoranda: | ||
| Average total assets | $495,612,500 | 1,726 |
| Average earning assets | $468,522,250 | 1,705 |
| Average equity | $43,684,750 | 1,982 |
| Average total loans | $277,695,250 | 1,836 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4076% | 3,160 |
| Cost of funding earning assets | 0.1995% | 3,754 |
| Net interest margin | 3.2081% | 2,730 |
| Noninterest income to average assets | 1.0615% | 975 |
| Noninterest expense to average assets | 2.6949% | 1,598 |
| Loan and lease loss provision to assets | 0.1247% | 1,006 |
| Net operating income to assets | 1.0249% | 2,807 |
| Return on assets (ROA) | 1.0249% | 2,886 |
| Pretax return on assets | 1.2689% | 2,712 |
| Return on Equity (ROE) | 11.3801% | 2,277 |
| Retained earnings to average equity (ytd only) | 9.0358% | 1,697 |
| Net charge-offs to loans | 0.0458% | 1,176 |
| Credit loss provision to net charge-offs | 468.7500% | 702 |
| Earnings coverage of net charge-offs (x) | 52.3906% | 1,039 |
| Efficiency ratio | 65.9144% | 2,170 |
| Assets per employee ($millions) | 4.4480% | 4,139 |
| Cash dividends to net income (ytd only)* | 20.6002% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0540% | 548 |
| Loan loss allowance to noncurrent loans | 218.5524% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.6150% | 1,355 |
| Noncurrent loans to loans | 0.9398% | 1,313 |
| Net loans and leases to total assets | 55.9129% | 2,908 |
| Net loans and leases to deposits | 61.8655% | 3,216 |
| Net loans and leases to core deposits | 62.3282% | 3,435 |
| Total domestic deposits to total assets | 90.3782% | 611 |
| Equity capital to assets | 8.9598% | 3,828 |
| Core capital (leverage) ratio | 8.1926% | 4,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0308% | 1,958 |
| Memoranda: | ||
| Average total assets | $481,202,333 | 1,758 |
| Average earning assets | $454,037,667 | 1,748 |
| Average equity | $43,338,667 | 1,982 |
| Average total loans | $279,778,000 | 1,835 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3919% | 3,218 |
| Cost of funding earning assets | 0.2098% | 3,833 |
| Net interest margin | 3.1822% | 2,754 |
| Noninterest income to average assets | 1.1812% | 874 |
| Noninterest expense to average assets | 2.7521% | 1,485 |
| Loan and lease loss provision to assets | 0.1257% | 1,088 |
| Net operating income to assets | 1.0613% | 2,600 |
| Return on assets (ROA) | 1.0613% | 2,682 |
| Pretax return on assets | 1.3044% | 2,557 |
| Return on Equity (ROE) | 11.7526% | 2,111 |
| Retained earnings to average equity (ytd only) | 9.3946% | 1,828 |
| Net charge-offs to loans | 0.0314% | 1,173 |
| Credit loss provision to net charge-offs | 681.8182% | 516 |
| Earnings coverage of net charge-offs (x) | 77.5455% | 716 |
| Efficiency ratio | 65.8048% | 2,257 |
| Assets per employee ($millions) | 4.6699% | 3,960 |
| Cash dividends to net income (ytd only)* | 20.0632% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9902% | 608 |
| Loan loss allowance to noncurrent loans | 209.1010% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.6374% | 1,489 |
| Noncurrent loans to loans | 0.9518% | 1,423 |
| Net loans and leases to total assets | 56.0008% | 3,037 |
| Net loans and leases to deposits | 61.8232% | 3,332 |
| Net loans and leases to core deposits | 62.3316% | 3,556 |
| Total domestic deposits to total assets | 90.5822% | 552 |
| Equity capital to assets | 8.6514% | 3,997 |
| Core capital (leverage) ratio | 8.2559% | 4,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5726% | 2,055 |
| Memoranda: | ||
| Average total assets | $477,161,500 | 1,759 |
| Average earning assets | $450,010,000 | 1,744 |
| Average equity | $43,088,500 | 1,979 |
| Average total loans | $280,012,000 | 1,836 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7850% | 3,344 |
| Cost of funding earning assets | 0.3274% | 3,991 |
| Net interest margin | 3.4576% | 2,609 |
| Noninterest income to average assets | 1.2438% | 725 |
| Noninterest expense to average assets | 2.9687% | 1,507 |
| Loan and lease loss provision to assets | 0.4620% | 594 |
| Net operating income to assets | 0.7550% | 3,251 |
| Return on assets (ROA) | 0.7571% | 3,371 |
| Pretax return on assets | 1.0442% | 2,901 |
| Return on Equity (ROE) | 7.7778% | 2,895 |
| Retained earnings to average equity (ytd only) | 4.9786% | 2,278 |
| Net charge-offs to loans | 0.0197% | 2,676 |
| Credit loss provision to net charge-offs | 3,769.2308% | 277 |
| Earnings coverage of net charge-offs (x) | 122.6731% | 696 |
| Efficiency ratio | 66.3803% | 2,469 |
| Assets per employee ($millions) | 4.2529% | 4,176 |
| Cash dividends to net income (ytd only)* | 35.9900% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9846% | 611 |
| Loan loss allowance to noncurrent loans | 190.8744% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.7152% | 1,455 |
| Noncurrent loans to loans | 1.0397% | 1,368 |
| Net loans and leases to total assets | 59.1501% | 2,965 |
| Net loans and leases to deposits | 65.9413% | 3,276 |
| Net loans and leases to core deposits | 66.5338% | 3,499 |
| Total domestic deposits to total assets | 89.7012% | 680 |
| Equity capital to assets | 9.4384% | 3,669 |
| Core capital (leverage) ratio | 8.3064% | 4,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5180% | 2,439 |
| Memoranda: | ||
| Average total assets | $424,256,800 | 1,786 |
| Average earning assets | $396,143,600 | 1,780 |
| Average equity | $41,296,800 | 1,980 |
| Average total loans | $264,312,800 | 1,853 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6664% | 3,871 |
| Cost of funding earning assets | 0.3579% | 4,014 |
| Net interest margin | 3.3085% | 3,162 |
| Noninterest income to average assets | 1.1238% | 830 |
| Noninterest expense to average assets | 3.0238% | 1,391 |
| Loan and lease loss provision to assets | 0.3690% | 1,005 |
| Net operating income to assets | 0.5828% | 3,821 |
| Return on assets (ROA) | 0.5856% | 3,915 |
| Pretax return on assets | 0.8170% | 3,601 |
| Return on Equity (ROE) | 5.9664% | 3,568 |
| Retained earnings to average equity (ytd only) | 3.2660% | 3,410 |
| Net charge-offs to loans | 0.0654% | 1,679 |
| Credit loss provision to net charge-offs | 898.4375% | 905 |
| Earnings coverage of net charge-offs (x) | 28.7891% | 1,623 |
| Efficiency ratio | 71.8874% | 1,658 |
| Assets per employee ($millions) | 4.5283% | 3,814 |
| Cash dividends to net income (ytd only)* | 45.2603% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6113% | 1,072 |
| Loan loss allowance to noncurrent loans | 146.6476% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.7601% | 1,523 |
| Noncurrent loans to loans | 1.0988% | 1,371 |
| Net loans and leases to total assets | 59.2680% | 3,297 |
| Net loans and leases to deposits | 65.8028% | 3,635 |
| Net loans and leases to core deposits | 66.3698% | 3,871 |
| Total domestic deposits to total assets | 90.0692% | 402 |
| Equity capital to assets | 8.9114% | 4,174 |
| Core capital (leverage) ratio | 8.3290% | 4,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3933% | 2,038 |
| Memoranda: | ||
| Average total assets | $415,492,000 | 1,792 |
| Average earning assets | $387,112,250 | 1,787 |
| Average equity | $40,783,000 | 1,982 |
| Average total loans | $261,094,250 | 1,852 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5399% | 1,801 |
| Cost of funding earning assets | 0.3920% | 4,067 |
| Net interest margin | 4.1479% | 1,020 |
| Noninterest income to average assets | 0.9932% | 999 |
| Noninterest expense to average assets | 3.2051% | 1,148 |
| Loan and lease loss provision to assets | 0.5057% | 703 |
| Net operating income to assets | 0.9339% | 2,561 |
| Return on assets (ROA) | 0.9386% | 2,676 |
| Pretax return on assets | 1.1358% | 2,595 |
| Return on Equity (ROE) | 9.1244% | 2,304 |
| Retained earnings to average equity (ytd only) | 6.3173% | 1,933 |
| Net charge-offs to loans | 0.0926% | 1,335 |
| Credit loss provision to net charge-offs | 854.7009% | 876 |
| Earnings coverage of net charge-offs (x) | 27.6496% | 1,483 |
| Efficiency ratio | 66.2070% | 2,487 |
| Assets per employee ($millions) | 4.2997% | 3,999 |
| Cash dividends to net income (ytd only)* | 30.7651% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5856% | 1,040 |
| Loan loss allowance to noncurrent loans | 129.9274% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 1.0185% | 1,177 |
| Noncurrent loans to loans | 1.2204% | 1,287 |
| Net loans and leases to total assets | 64.6127% | 2,804 |
| Net loans and leases to deposits | 72.3891% | 3,219 |
| Net loans and leases to core deposits | 73.2084% | 3,506 |
| Total domestic deposits to total assets | 89.2575% | 661 |
| Equity capital to assets | 9.8229% | 3,348 |
| Core capital (leverage) ratio | 9.0888% | 3,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8440% | 1,879 |
| Memoranda: | ||
| Average total assets | $395,499,667 | 1,827 |
| Average earning assets | $366,880,667 | 1,829 |
| Average equity | $40,682,000 | 1,968 |
| Average total loans | $252,653,667 | 1,884 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9742% | 3,862 |
| Cost of funding earning assets | 0.4259% | 4,253 |
| Net interest margin | 3.5483% | 2,821 |
| Noninterest income to average assets | 0.8851% | 1,097 |
| Noninterest expense to average assets | 3.2845% | 1,253 |
| Loan and lease loss provision to assets | 0.1586% | 1,821 |
| Net operating income to assets | 0.6098% | 3,572 |
| Return on assets (ROA) | 0.6197% | 3,600 |
| Pretax return on assets | 0.7307% | 3,592 |
| Return on Equity (ROE) | 5.8739% | 3,364 |
| Retained earnings to average equity (ytd only) | 2.7465% | 3,180 |
| Net charge-offs to loans | 0.1345% | 922 |
| Credit loss provision to net charge-offs | 187.5000% | 1,452 |
| Earnings coverage of net charge-offs (x) | 10.3750% | 1,768 |
| Efficiency ratio | 78.9126% | 1,245 |
| Assets per employee ($millions) | 3.5063% | 4,474 |
| Cash dividends to net income (ytd only)* | 53.2423% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5296% | 1,246 |
| Loan loss allowance to noncurrent loans | 110.1986% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 1.1040% | 1,182 |
| Noncurrent loans to loans | 1.3880% | 1,153 |
| Net loans and leases to total assets | 61.1406% | 3,384 |
| Net loans and leases to deposits | 69.0017% | 3,659 |
| Net loans and leases to core deposits | 69.9313% | 3,884 |
| Total domestic deposits to total assets | 88.6074% | 834 |
| Equity capital to assets | 10.5357% | 3,286 |
| Core capital (leverage) ratio | 9.8252% | 3,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4951% | 2,077 |
| Memoranda: | ||
| Average total assets | $378,267,000 | 1,853 |
| Average earning assets | $349,350,000 | 1,855 |
| Average equity | $39,905,500 | 1,987 |
| Average total loans | $237,836,500 | 1,942 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2145% | 3,774 |
| Cost of funding earning assets | 0.4432% | 4,293 |
| Net interest margin | 3.7713% | 2,602 |
| Noninterest income to average assets | 0.9804% | 1,015 |
| Noninterest expense to average assets | 3.3123% | 1,274 |
| Loan and lease loss provision to assets | 0.1929% | 1,061 |
| Net operating income to assets | 0.7803% | 3,613 |
| Return on assets (ROA) | 0.7864% | 3,674 |
| Pretax return on assets | 0.9356% | 3,639 |
| Return on Equity (ROE) | 7.8652% | 3,221 |
| Retained earnings to average equity (ytd only) | 4.6934% | 2,591 |
| Net charge-offs to loans | 0.0179% | 3,076 |
| Credit loss provision to net charge-offs | 1,756.0976% | 212 |
| Earnings coverage of net charge-offs (x) | 102.0976% | 665 |
| Efficiency ratio | 74.7100% | 1,522 |
| Assets per employee ($millions) | 3.4658% | 4,511 |
| Cash dividends to net income (ytd only)* | 40.3270% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5212% | 1,165 |
| Loan loss allowance to noncurrent loans | 93.4460% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 1.1242% | 1,072 |
| Noncurrent loans to loans | 1.6279% | 858 |
| Net loans and leases to total assets | 62.7229% | 3,336 |
| Net loans and leases to deposits | 70.7442% | 3,611 |
| Net loans and leases to core deposits | 71.6551% | 3,877 |
| Total domestic deposits to total assets | 88.6616% | 815 |
| Equity capital to assets | 10.5640% | 3,386 |
| Core capital (leverage) ratio | 9.8148% | 3,716 |
| Tier 1 risk-based capital ratio | 13.4219% | 3,567 |
| Total risk-based capital ratio | 14.6724% | 3,446 |
| Memoranda: | ||
| Average total assets | $373,335,800 | 1,833 |
| Average earning assets | $341,846,800 | 1,840 |
| Average equity | $37,328,800 | 2,040 |
| Average total loans | $229,291,800 | 1,961 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2160% | 3,889 |
| Cost of funding earning assets | 0.4424% | 4,359 |
| Net interest margin | 3.7736% | 2,671 |
| Noninterest income to average assets | 1.0004% | 935 |
| Noninterest expense to average assets | 3.3714% | 1,135 |
| Loan and lease loss provision to assets | 0.1925% | 926 |
| Net operating income to assets | 0.7428% | 3,870 |
| Return on assets (ROA) | 0.7509% | 3,909 |
| Pretax return on assets | 0.8888% | 3,915 |
| Return on Equity (ROE) | 7.6163% | 3,469 |
| Retained earnings to average equity (ytd only) | 4.2855% | 3,252 |
| Net charge-offs to loans | 0.0188% | 2,749 |
| Credit loss provision to net charge-offs | 1,687.5000% | 228 |
| Earnings coverage of net charge-offs (x) | 93.9278% | 783 |
| Efficiency ratio | 75.8787% | 1,348 |
| Assets per employee ($millions) | 3.5380% | 4,462 |
| Cash dividends to net income (ytd only)* | 43.7322% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 1,304 |
| Loan loss allowance to noncurrent loans | 85.1456% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.1262% | 1,158 |
| Noncurrent loans to loans | 1.7386% | 836 |
| Net loans and leases to total assets | 58.5172% | 3,820 |
| Net loans and leases to deposits | 65.5567% | 4,093 |
| Net loans and leases to core deposits | 66.3534% | 4,254 |
| Total domestic deposits to total assets | 89.2620% | 532 |
| Equity capital to assets | 9.9756% | 4,044 |
| Core capital (leverage) ratio | 9.5075% | 4,158 |
| Tier 1 risk-based capital ratio | 13.4305% | 3,612 |
| Total risk-based capital ratio | 14.6805% | 3,516 |
| Memoranda: | ||
| Average total assets | $373,960,750 | 1,842 |
| Average earning assets | $341,165,750 | 1,860 |
| Average equity | $36,867,250 | 2,068 |
| Average total loans | $227,566,750 | 1,987 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2274% | 3,853 |
| Cost of funding earning assets | 0.4292% | 4,398 |
| Net interest margin | 3.7982% | 2,590 |
| Noninterest income to average assets | 0.8691% | 1,158 |
| Noninterest expense to average assets | 3.3479% | 1,202 |
| Loan and lease loss provision to assets | 0.1952% | 889 |
| Net operating income to assets | 0.6568% | 4,141 |
| Return on assets (ROA) | 0.6685% | 4,155 |
| Pretax return on assets | 0.7796% | 4,140 |
| Return on Equity (ROE) | 6.8093% | 3,746 |
| Retained earnings to average equity (ytd only) | 3.6007% | 3,451 |
| Net charge-offs to loans | 0.0565% | 1,836 |
| Credit loss provision to net charge-offs | 562.5000% | 550 |
| Earnings coverage of net charge-offs (x) | 27.7031% | 1,530 |
| Efficiency ratio | 77.6925% | 1,194 |
| Assets per employee ($millions) | 3.2812% | 4,710 |
| Cash dividends to net income (ytd only)* | 47.1208% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 1,659 |
| Loan loss allowance to noncurrent loans | 107.6820% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.9353% | 1,483 |
| Noncurrent loans to loans | 1.2896% | 1,224 |
| Net loans and leases to total assets | 63.7344% | 3,367 |
| Net loans and leases to deposits | 71.8481% | 3,701 |
| Net loans and leases to core deposits | 72.6871% | 3,965 |
| Total domestic deposits to total assets | 88.7071% | 784 |
| Equity capital to assets | 10.5595% | 3,467 |
| Core capital (leverage) ratio | 9.8956% | 3,706 |
| Tier 1 risk-based capital ratio | 13.3658% | 3,648 |
| Total risk-based capital ratio | 14.5733% | 3,576 |
| Memoranda: | ||
| Average total assets | $368,888,330 | 1,875 |
| Average earning assets | $334,105,000 | 1,892 |
| Average equity | $36,215,330 | 2,090 |
| Average total loans | $226,369,670 | 2,003 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1346% | 4,047 |
| Cost of funding earning assets | 0.4120% | 4,439 |
| Net interest margin | 3.7226% | 2,808 |
| Noninterest income to average assets | 0.8491% | 1,169 |
| Noninterest expense to average assets | 3.3366% | 1,213 |
| Loan and lease loss provision to assets | 0.1923% | 843 |
| Net operating income to assets | 0.6043% | 4,228 |
| Return on assets (ROA) | 0.6259% | 4,201 |
| Pretax return on assets | 0.7124% | 4,273 |
| Return on Equity (ROE) | 6.6140% | 3,795 |
| Retained earnings to average equity (ytd only) | 3.0587% | 3,711 |
| Net charge-offs to loans | -0.0107% | 4,251 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1287% | 1,144 |
| Assets per employee ($millions) | 3.2713% | 4,764 |
| Cash dividends to net income (ytd only)* | 53.7543% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3707% | 1,784 |
| Loan loss allowance to noncurrent loans | 123.0647% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.9951% | 1,407 |
| Noncurrent loans to loans | 1.1138% | 1,502 |
| Net loans and leases to total assets | 60.8803% | 3,612 |
| Net loans and leases to deposits | 67.9549% | 3,932 |
| Net loans and leases to core deposits | 68.5497% | 4,150 |
| Total domestic deposits to total assets | 89.5892% | 605 |
| Equity capital to assets | 9.8745% | 3,939 |
| Core capital (leverage) ratio | 9.3832% | 4,278 |
| Tier 1 risk-based capital ratio | 13.1865% | 3,783 |
| Total risk-based capital ratio | 14.3494% | 3,739 |
| Memoranda: | ||
| Average total assets | $374,507,500 | 1,859 |
| Average earning assets | $338,800,000 | 1,887 |
| Average equity | $35,440,000 | 2,120 |
| Average total loans | $223,976,500 | 2,034 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9963% | 4,040 |
| Cost of funding earning assets | 0.3245% | 4,437 |
| Net interest margin | 3.6719% | 3,154 |
| Noninterest income to average assets | 0.8376% | 1,343 |
| Noninterest expense to average assets | 3.0522% | 1,924 |
| Loan and lease loss provision to assets | 0.2578% | 662 |
| Net operating income to assets | 0.7443% | 3,991 |
| Return on assets (ROA) | 0.7443% | 3,992 |
| Pretax return on assets | 0.8535% | 4,030 |
| Return on Equity (ROE) | 8.3186% | 3,313 |
| Retained earnings to average equity (ytd only) | 5.0369% | 2,744 |
| Net charge-offs to loans | 0.2861% | 679 |
| Credit loss provision to net charge-offs | 153.2385% | 1,795 |
| Earnings coverage of net charge-offs (x) | 6.6066% | 3,073 |
| Efficiency ratio | 73.3087% | 1,719 |
| Assets per employee ($millions) | 3.4784% | 4,566 |
| Cash dividends to net income (ytd only)* | 39.4502% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3138% | 1,974 |
| Loan loss allowance to noncurrent loans | 90.1888% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 1.1390% | 1,165 |
| Noncurrent loans to loans | 1.4568% | 1,054 |
| Net loans and leases to total assets | 57.2048% | 4,028 |
| Net loans and leases to deposits | 63.2542% | 4,298 |
| Net loans and leases to core deposits | 63.6647% | 4,458 |
| Total domestic deposits to total assets | 90.4364% | 344 |
| Equity capital to assets | 9.0691% | 4,524 |
| Core capital (leverage) ratio | 9.0238% | 4,634 |
| Tier 1 risk-based capital ratio | 13.2165% | 3,714 |
| Total risk-based capital ratio | 14.3206% | 3,694 |
| Memoranda: | ||
| Average total assets | $376,313,200 | 1,809 |
| Average earning assets | $340,862,200 | 1,846 |
| Average equity | $33,671,600 | 2,128 |
| Average total loans | $221,256,200 | 2,013 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9142% | 4,177 |
| Cost of funding earning assets | 0.2979% | 4,537 |
| Net interest margin | 3.6163% | 3,313 |
| Noninterest income to average assets | 0.7813% | 1,536 |
| Noninterest expense to average assets | 3.0702% | 1,835 |
| Loan and lease loss provision to assets | 0.1921% | 922 |
| Net operating income to assets | 0.6924% | 4,250 |
| Return on assets (ROA) | 0.6924% | 4,256 |
| Pretax return on assets | 0.8013% | 4,290 |
| Return on Equity (ROE) | 7.7650% | 3,641 |
| Retained earnings to average equity (ytd only) | 4.4132% | 3,548 |
| Net charge-offs to loans | 0.1224% | 1,285 |
| Credit loss provision to net charge-offs | 266.0099% | 1,121 |
| Earnings coverage of net charge-offs (x) | 13.7537% | 2,331 |
| Efficiency ratio | 75.5538% | 1,406 |
| Assets per employee ($millions) | 3.7311% | 4,259 |
| Cash dividends to net income (ytd only)* | 43.1654% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 2,085 |
| Loan loss allowance to noncurrent loans | 127.1934% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.8642% | 1,708 |
| Noncurrent loans to loans | 1.0239% | 1,679 |
| Net loans and leases to total assets | 55.8407% | 4,233 |
| Net loans and leases to deposits | 61.3209% | 4,477 |
| Net loans and leases to core deposits | 61.7053% | 4,629 |
| Total domestic deposits to total assets | 91.0632% | 202 |
| Equity capital to assets | 8.4665% | 4,945 |
| Core capital (leverage) ratio | 8.9241% | 4,773 |
| Tier 1 risk-based capital ratio | 12.8743% | 3,978 |
| Total risk-based capital ratio | 13.9683% | 3,969 |
| Memoranda: | ||
| Average total assets | $374,734,750 | 1,822 |
| Average earning assets | $340,118,000 | 1,862 |
| Average equity | $33,414,250 | 2,139 |
| Average total loans | $221,121,500 | 2,018 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8798% | 4,128 |
| Cost of funding earning assets | 0.2989% | 4,424 |
| Net interest margin | 3.5809% | 3,383 |
| Noninterest income to average assets | 0.8042% | 1,465 |
| Noninterest expense to average assets | 3.1880% | 1,565 |
| Loan and lease loss provision to assets | 0.1958% | 879 |
| Net operating income to assets | 0.6019% | 4,488 |
| Return on assets (ROA) | 0.6019% | 4,494 |
| Pretax return on assets | 0.6775% | 4,562 |
| Return on Equity (ROE) | 6.6306% | 4,012 |
| Retained earnings to average equity (ytd only) | 3.1865% | 3,975 |
| Net charge-offs to loans | 0.0935% | 1,411 |
| Credit loss provision to net charge-offs | 349.5146% | 905 |
| Earnings coverage of net charge-offs (x) | 15.5922% | 2,034 |
| Efficiency ratio | 78.4978% | 1,165 |
| Assets per employee ($millions) | 3.4699% | 4,636 |
| Cash dividends to net income (ytd only)* | 51.9422% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2622% | 2,364 |
| Loan loss allowance to noncurrent loans | 113.4508% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.9950% | 1,512 |
| Noncurrent loans to loans | 1.1125% | 1,580 |
| Net loans and leases to total assets | 60.8498% | 3,722 |
| Net loans and leases to deposits | 67.3096% | 4,070 |
| Net loans and leases to core deposits | 67.8294% | 4,262 |
| Total domestic deposits to total assets | 90.4029% | 430 |
| Equity capital to assets | 9.1248% | 4,457 |
| Core capital (leverage) ratio | 9.2760% | 4,385 |
| Tier 1 risk-based capital ratio | 12.7867% | 4,012 |
| Total risk-based capital ratio | 13.8615% | 4,020 |
| Memoranda: | ||
| Average total assets | $367,813,670 | 1,852 |
| Average earning assets | $334,550,670 | 1,889 |
| Average equity | $33,390,670 | 2,152 |
| Average total loans | $220,241,000 | 2,030 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7889% | 4,247 |
| Cost of funding earning assets | 0.2988% | 4,361 |
| Net interest margin | 3.4901% | 3,568 |
| Noninterest income to average assets | 0.7663% | 1,556 |
| Noninterest expense to average assets | 3.1985% | 1,568 |
| Loan and lease loss provision to assets | 0.1948% | 857 |
| Net operating income to assets | 0.4806% | 4,738 |
| Return on assets (ROA) | 0.4806% | 4,742 |
| Pretax return on assets | 0.5585% | 4,770 |
| Return on Equity (ROE) | 5.3073% | 4,386 |
| Retained earnings to average equity (ytd only) | 1.8767% | 4,391 |
| Net charge-offs to loans | 0.1926% | 766 |
| Credit loss provision to net charge-offs | 171.4286% | 1,152 |
| Earnings coverage of net charge-offs (x) | 6.6286% | 2,145 |
| Efficiency ratio | 80.9367% | 1,048 |
| Assets per employee ($millions) | 3.3731% | 4,821 |
| Cash dividends to net income (ytd only)* | 64.6396% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2213% | 2,677 |
| Loan loss allowance to noncurrent loans | 129.0511% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.8777% | 1,813 |
| Noncurrent loans to loans | 0.9464% | 1,930 |
| Net loans and leases to total assets | 58.3390% | 3,910 |
| Net loans and leases to deposits | 64.3929% | 4,188 |
| Net loans and leases to core deposits | 74.1752% | 3,810 |
| Total domestic deposits to total assets | 90.5984% | 443 |
| Equity capital to assets | 8.9501% | 4,615 |
| Core capital (leverage) ratio | 8.9674% | 4,709 |
| Tier 1 risk-based capital ratio | 12.9576% | 3,969 |
| Total risk-based capital ratio | 13.9882% | 3,984 |
| Memoranda: | ||
| Average total assets | $369,551,500 | 1,860 |
| Average earning assets | $337,301,500 | 1,888 |
| Average equity | $33,463,500 | 2,161 |
| Average total loans | $218,095,000 | 2,055 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8232% | 3,967 |
| Cost of funding earning assets | 0.2842% | 4,278 |
| Net interest margin | 3.5389% | 3,382 |
| Noninterest income to average assets | 0.8731% | 1,351 |
| Noninterest expense to average assets | 3.0349% | 2,058 |
| Loan and lease loss provision to assets | 0.2074% | 976 |
| Net operating income to assets | 0.7093% | 3,561 |
| Return on assets (ROA) | 0.7108% | 3,606 |
| Pretax return on assets | 0.8858% | 3,961 |
| Return on Equity (ROE) | 7.6848% | 2,960 |
| Retained earnings to average equity (ytd only) | 4.1786% | 2,660 |
| Net charge-offs to loans | 0.2649% | 983 |
| Credit loss provision to net charge-offs | 131.5789% | 2,004 |
| Earnings coverage of net charge-offs (x) | 6.9246% | 3,118 |
| Efficiency ratio | 73.5527% | 1,966 |
| Assets per employee ($millions) | 3.6061% | 4,560 |
| Cash dividends to net income (ytd only)* | 45.6243% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 2,913 |
| Loan loss allowance to noncurrent loans | 115.0446% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 0.9186% | 1,684 |
| Noncurrent loans to loans | 1.0226% | 1,737 |
| Net loans and leases to total assets | 58.2787% | 3,985 |
| Net loans and leases to deposits | 64.4713% | 4,292 |
| Net loans and leases to core deposits | 71.8191% | 4,060 |
| Total domestic deposits to total assets | 90.3947% | 433 |
| Equity capital to assets | 9.1592% | 4,567 |
| Core capital (leverage) ratio | 8.8109% | 4,849 |
| Tier 1 risk-based capital ratio | 12.8298% | 4,017 |
| Total risk-based capital ratio | 13.8261% | 4,058 |
| Memoranda: | ||
| Average total assets | $361,694,600 | 1,860 |
| Average earning assets | $332,472,400 | 1,881 |
| Average equity | $33,455,800 | 2,154 |
| Average total loans | $215,198,000 | 2,036 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8241% | 3,923 |
| Cost of funding earning assets | 0.2757% | 4,353 |
| Net interest margin | 3.5484% | 3,326 |
| Noninterest income to average assets | 0.9579% | 1,123 |
| Noninterest expense to average assets | 3.0406% | 1,994 |
| Loan and lease loss provision to assets | 0.1670% | 1,211 |
| Net operating income to assets | 0.7892% | 3,564 |
| Return on assets (ROA) | 0.7912% | 3,614 |
| Pretax return on assets | 1.0195% | 3,609 |
| Return on Equity (ROE) | 8.5326% | 2,852 |
| Retained earnings to average equity (ytd only) | 4.8706% | 2,972 |
| Net charge-offs to loans | 0.2309% | 934 |
| Credit loss provision to net charge-offs | 121.2938% | 1,991 |
| Earnings coverage of net charge-offs (x) | 8.5985% | 2,765 |
| Efficiency ratio | 71.9758% | 2,208 |
| Assets per employee ($millions) | 3.6367% | 4,535 |
| Cash dividends to net income (ytd only)* | 42.9174% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1259% | 3,338 |
| Loan loss allowance to noncurrent loans | 102.7812% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 0.9878% | 1,723 |
| Noncurrent loans to loans | 1.0954% | 1,756 |
| Net loans and leases to total assets | 58.0477% | 4,053 |
| Net loans and leases to deposits | 65.2313% | 4,303 |
| Net loans and leases to core deposits | 74.7461% | 3,910 |
| Total domestic deposits to total assets | 88.9875% | 898 |
| Equity capital to assets | 9.2022% | 4,727 |
| Core capital (leverage) ratio | 8.9884% | 4,757 |
| Tier 1 risk-based capital ratio | 12.5429% | 4,292 |
| Total risk-based capital ratio | 13.4897% | 4,367 |
| Memoranda: | ||
| Average total assets | $359,260,500 | 1,885 |
| Average earning assets | $330,733,500 | 1,898 |
| Average equity | $33,314,750 | 2,177 |
| Average total loans | $214,237,000 | 2,053 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7632% | 4,021 |
| Cost of funding earning assets | 0.2714% | 4,361 |
| Net interest margin | 3.4918% | 3,435 |
| Noninterest income to average assets | 1.0724% | 875 |
| Noninterest expense to average assets | 3.0659% | 1,924 |
| Loan and lease loss provision to assets | 0.1694% | 1,157 |
| Net operating income to assets | 0.8286% | 3,254 |
| Return on assets (ROA) | 0.8313% | 3,295 |
| Pretax return on assets | 1.0662% | 3,312 |
| Return on Equity (ROE) | 8.9403% | 2,538 |
| Retained earnings to average equity (ytd only) | 4.9074% | 2,770 |
| Net charge-offs to loans | 0.2223% | 916 |
| Credit loss provision to net charge-offs | 127.1186% | 1,708 |
| Earnings coverage of net charge-offs (x) | 9.2458% | 2,453 |
| Efficiency ratio | 71.3310% | 2,466 |
| Assets per employee ($millions) | 3.4790% | 4,749 |
| Cash dividends to net income (ytd only)* | 45.1087% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1262% | 3,438 |
| Loan loss allowance to noncurrent loans | 100.4490% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.0570% | 1,655 |
| Noncurrent loans to loans | 1.1211% | 1,747 |
| Net loans and leases to total assets | 61.4911% | 3,691 |
| Net loans and leases to deposits | 70.5560% | 3,867 |
| Net loans and leases to core deposits | 79.4392% | 3,464 |
| Total domestic deposits to total assets | 87.1522% | 1,880 |
| Equity capital to assets | 9.7369% | 4,193 |
| Core capital (leverage) ratio | 9.2608% | 4,413 |
| Tier 1 risk-based capital ratio | 12.8995% | 4,060 |
| Total risk-based capital ratio | 13.8795% | 4,137 |
| Memoranda: | ||
| Average total assets | $354,152,330 | 1,907 |
| Average earning assets | $327,168,330 | 1,922 |
| Average equity | $32,929,670 | 2,191 |
| Average total loans | $212,344,670 | 2,070 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6541% | 4,264 |
| Cost of funding earning assets | 0.2683% | 4,375 |
| Net interest margin | 3.3858% | 3,694 |
| Noninterest income to average assets | 0.9237% | 1,178 |
| Noninterest expense to average assets | 3.0466% | 2,025 |
| Loan and lease loss provision to assets | 0.1688% | 1,055 |
| Net operating income to assets | 0.6718% | 3,827 |
| Return on assets (ROA) | 0.6773% | 3,841 |
| Pretax return on assets | 0.8382% | 3,980 |
| Return on Equity (ROE) | 7.4579% | 3,181 |
| Retained earnings to average equity (ytd only) | 4.3608% | 3,239 |
| Net charge-offs to loans | -0.0038% | 4,110 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2850% | 2,022 |
| Assets per employee ($millions) | 3.5640% | 4,691 |
| Cash dividends to net income (ytd only)* | 41.5282% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2046% | 3,109 |
| Loan loss allowance to noncurrent loans | 85.6231% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 1.1782% | 1,492 |
| Noncurrent loans to loans | 1.4069% | 1,441 |
| Net loans and leases to total assets | 58.0750% | 3,966 |
| Net loans and leases to deposits | 65.3010% | 4,226 |
| Net loans and leases to core deposits | 73.8884% | 3,847 |
| Total domestic deposits to total assets | 88.9344% | 1,173 |
| Equity capital to assets | 9.0848% | 4,725 |
| Core capital (leverage) ratio | 9.0273% | 4,700 |
| Tier 1 risk-based capital ratio | 12.8719% | 4,158 |
| Total risk-based capital ratio | 13.8993% | 4,198 |
| Memoranda: | ||
| Average total assets | $355,540,500 | 1,914 |
| Average earning assets | $327,956,500 | 1,921 |
| Average equity | $32,288,000 | 2,225 |
| Average total loans | $209,254,000 | 2,106 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7527% | 4,047 |
| Cost of funding earning assets | 0.2798% | 4,258 |
| Net interest margin | 3.4728% | 3,536 |
| Noninterest income to average assets | 0.7421% | 1,986 |
| Noninterest expense to average assets | 3.0319% | 2,248 |
| Loan and lease loss provision to assets | 0.1696% | 1,439 |
| Net operating income to assets | 0.5958% | 4,220 |
| Return on assets (ROA) | 0.6820% | 3,980 |
| Pretax return on assets | 0.8477% | 4,022 |
| Return on Equity (ROE) | 6.9758% | 3,480 |
| Retained earnings to average equity (ytd only) | 3.9013% | 3,150 |
| Net charge-offs to loans | 0.1839% | 1,504 |
| Credit loss provision to net charge-offs | 157.9670% | 1,742 |
| Earnings coverage of net charge-offs (x) | 8.4725% | 2,867 |
| Efficiency ratio | 76.9213% | 1,862 |
| Assets per employee ($millions) | 3.4764% | 4,794 |
| Cash dividends to net income (ytd only)* | 44.0744% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1585% | 3,379 |
| Loan loss allowance to noncurrent loans | 109.9037% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 0.9923% | 1,911 |
| Noncurrent loans to loans | 1.0541% | 1,971 |
| Net loans and leases to total assets | 58.2463% | 4,045 |
| Net loans and leases to deposits | 64.4793% | 4,369 |
| Net loans and leases to core deposits | 72.1598% | 4,075 |
| Total domestic deposits to total assets | 90.3335% | 498 |
| Equity capital to assets | 9.0778% | 4,734 |
| Core capital (leverage) ratio | 8.7542% | 5,019 |
| Tier 1 risk-based capital ratio | 12.7254% | 4,260 |
| Total risk-based capital ratio | 13.6912% | 4,303 |
| Memoranda: | ||
| Average total assets | $339,024,800 | 1,955 |
| Average earning assets | $312,338,400 | 1,963 |
| Average equity | $33,143,200 | 2,169 |
| Average total loans | $197,893,600 | 2,131 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7506% | 4,079 |
| Cost of funding earning assets | 0.2773% | 4,319 |
| Net interest margin | 3.4733% | 3,570 |
| Noninterest income to average assets | 0.7329% | 2,032 |
| Noninterest expense to average assets | 3.0646% | 2,112 |
| Loan and lease loss provision to assets | 0.1786% | 1,248 |
| Net operating income to assets | 0.5559% | 4,471 |
| Return on assets (ROA) | 0.6718% | 4,117 |
| Pretax return on assets | 0.8353% | 4,203 |
| Return on Equity (ROE) | 6.7461% | 3,698 |
| Retained earnings to average equity (ytd only) | 3.6739% | 3,692 |
| Net charge-offs to loans | 0.3060% | 754 |
| Credit loss provision to net charge-offs | 100.2227% | 2,347 |
| Earnings coverage of net charge-offs (x) | 4.8775% | 3,207 |
| Efficiency ratio | 77.9078% | 1,700 |
| Assets per employee ($millions) | 3.5857% | 4,662 |
| Cash dividends to net income (ytd only)* | 45.5402% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 3,773 |
| Loan loss allowance to noncurrent loans | 109.5691% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 0.9999% | 2,069 |
| Noncurrent loans to loans | 1.0130% | 2,217 |
| Net loans and leases to total assets | 52.7600% | 4,588 |
| Net loans and leases to deposits | 58.6077% | 4,839 |
| Net loans and leases to core deposits | 65.2735% | 4,652 |
| Total domestic deposits to total assets | 90.0224% | 476 |
| Equity capital to assets | 9.2319% | 4,940 |
| Core capital (leverage) ratio | 9.2575% | 4,522 |
| Tier 1 risk-based capital ratio | 13.2422% | 4,012 |
| Total risk-based capital ratio | 14.1700% | 4,123 |
| Memoranda: | ||
| Average total assets | $336,001,250 | 1,974 |
| Average earning assets | $309,631,000 | 1,978 |
| Average equity | $33,460,500 | 2,176 |
| Average total loans | $195,639,250 | 2,157 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8093% | 3,923 |
| Cost of funding earning assets | 0.2844% | 4,300 |
| Net interest margin | 3.5249% | 3,391 |
| Noninterest income to average assets | 0.7110% | 2,091 |
| Noninterest expense to average assets | 3.1038% | 2,050 |
| Loan and lease loss provision to assets | 0.1847% | 1,177 |
| Net operating income to assets | 0.5409% | 4,516 |
| Return on assets (ROA) | 0.6661% | 4,115 |
| Pretax return on assets | 0.8274% | 4,201 |
| Return on Equity (ROE) | 6.5085% | 3,798 |
| Retained earnings to average equity (ytd only) | 3.3565% | 3,761 |
| Net charge-offs to loans | 0.2552% | 934 |
| Credit loss provision to net charge-offs | 120.4819% | 1,859 |
| Earnings coverage of net charge-offs (x) | 5.5944% | 2,841 |
| Efficiency ratio | 78.3528% | 1,736 |
| Assets per employee ($millions) | 3.1735% | 5,245 |
| Cash dividends to net income (ytd only)* | 48.4288% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 3,760 |
| Loan loss allowance to noncurrent loans | 170.5030% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 1.0074% | 2,127 |
| Noncurrent loans to loans | 0.6649% | 3,078 |
| Net loans and leases to total assets | 60.8667% | 3,769 |
| Net loans and leases to deposits | 68.7131% | 4,112 |
| Net loans and leases to core deposits | 76.7089% | 3,762 |
| Total domestic deposits to total assets | 88.5809% | 1,126 |
| Equity capital to assets | 10.5415% | 3,586 |
| Core capital (leverage) ratio | 9.5533% | 4,130 |
| Tier 1 risk-based capital ratio | 13.5351% | 3,875 |
| Total risk-based capital ratio | 14.5165% | 3,950 |
| Memoranda: | ||
| Average total assets | $324,892,670 | 2,044 |
| Average earning assets | $299,582,330 | 2,058 |
| Average equity | $33,248,670 | 2,188 |
| Average total loans | $195,171,000 | 2,167 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7301% | 4,210 |
| Cost of funding earning assets | 0.2868% | 4,310 |
| Net interest margin | 3.4433% | 3,700 |
| Noninterest income to average assets | 0.7546% | 1,806 |
| Noninterest expense to average assets | 3.0390% | 2,274 |
| Loan and lease loss provision to assets | 0.1834% | 1,089 |
| Net operating income to assets | 0.5707% | 4,314 |
| Return on assets (ROA) | 0.6934% | 3,859 |
| Pretax return on assets | 0.8732% | 3,960 |
| Return on Equity (ROE) | 6.8771% | 3,524 |
| Retained earnings to average equity (ytd only) | 3.5295% | 3,728 |
| Net charge-offs to loans | 0.0041% | 2,980 |
| Credit loss provision to net charge-offs | 7,500.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 368.5000% | 161 |
| Efficiency ratio | 77.1260% | 2,023 |
| Assets per employee ($millions) | 3.3274% | 5,083 |
| Cash dividends to net income (ytd only)* | 48.6772% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1946% | 3,513 |
| Loan loss allowance to noncurrent loans | 121.0581% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.6225% | 3,195 |
| Noncurrent loans to loans | 0.9868% | 2,411 |
| Net loans and leases to total assets | 59.1986% | 3,893 |
| Net loans and leases to deposits | 66.4833% | 4,210 |
| Net loans and leases to core deposits | 74.1973% | 3,874 |
| Total domestic deposits to total assets | 89.0428% | 1,077 |
| Equity capital to assets | 10.2184% | 3,826 |
| Core capital (leverage) ratio | 9.3742% | 4,390 |
| Tier 1 risk-based capital ratio | 13.6096% | 3,921 |
| Total risk-based capital ratio | 14.6482% | 3,963 |
| Memoranda: | ||
| Average total assets | $327,076,500 | 2,044 |
| Average earning assets | $302,615,500 | 2,043 |
| Average equity | $32,979,000 | 2,195 |
| Average total loans | $194,091,500 | 2,171 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8966% | 3,717 |
| Cost of funding earning assets | 0.3108% | 4,133 |
| Net interest margin | 3.5858% | 3,189 |
| Noninterest income to average assets | 0.6867% | 2,267 |
| Noninterest expense to average assets | 2.9524% | 2,694 |
| Loan and lease loss provision to assets | 0.1416% | 1,677 |
| Net operating income to assets | 0.6930% | 3,845 |
| Return on assets (ROA) | 0.7707% | 3,545 |
| Pretax return on assets | 0.9550% | 3,631 |
| Return on Equity (ROE) | 7.6928% | 3,137 |
| Retained earnings to average equity (ytd only) | 4.4524% | 2,818 |
| Net charge-offs to loans | 0.0901% | 2,535 |
| Credit loss provision to net charge-offs | 263.1579% | 1,098 |
| Earnings coverage of net charge-offs (x) | 18.6023% | 2,001 |
| Efficiency ratio | 74.6877% | 2,478 |
| Assets per employee ($millions) | 3.3821% | 5,017 |
| Cash dividends to net income (ytd only)* | 42.1224% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1338% | 3,844 |
| Loan loss allowance to noncurrent loans | 136.6250% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.5188% | 3,563 |
| Noncurrent loans to loans | 0.8298% | 2,717 |
| Net loans and leases to total assets | 58.1054% | 4,073 |
| Net loans and leases to deposits | 65.0456% | 4,397 |
| Net loans and leases to core deposits | 72.4148% | 4,094 |
| Total domestic deposits to total assets | 89.3302% | 944 |
| Equity capital to assets | 9.9483% | 4,024 |
| Core capital (leverage) ratio | 9.1304% | 4,714 |
| Tier 1 risk-based capital ratio | 13.2802% | 4,116 |
| Total risk-based capital ratio | 14.2385% | 4,236 |
| Memoranda: | ||
| Average total assets | $317,908,000 | 2,057 |
| Average earning assets | $289,585,600 | 2,074 |
| Average equity | $31,847,800 | 2,211 |
| Average total loans | $189,785,800 | 2,158 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9244% | 3,662 |
| Cost of funding earning assets | 0.3140% | 4,175 |
| Net interest margin | 3.6104% | 3,120 |
| Noninterest income to average assets | 0.6815% | 2,322 |
| Noninterest expense to average assets | 3.0131% | 2,477 |
| Loan and lease loss provision to assets | 0.1395% | 1,591 |
| Net operating income to assets | 0.6583% | 4,087 |
| Return on assets (ROA) | 0.7356% | 3,842 |
| Pretax return on assets | 0.8992% | 3,985 |
| Return on Equity (ROE) | 7.3299% | 3,450 |
| Retained earnings to average equity (ytd only) | 4.0314% | 3,598 |
| Net charge-offs to loans | 0.0938% | 2,228 |
| Credit loss provision to net charge-offs | 248.1203% | 1,147 |
| Earnings coverage of net charge-offs (x) | 16.7969% | 2,091 |
| Efficiency ratio | 76.1350% | 2,228 |
| Assets per employee ($millions) | 3.5430% | 4,711 |
| Cash dividends to net income (ytd only)* | 44.9999% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1072% | 4,187 |
| Loan loss allowance to noncurrent loans | 240.7323% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.2974% | 4,579 |
| Noncurrent loans to loans | 0.4599% | 3,983 |
| Net loans and leases to total assets | 55.8332% | 4,373 |
| Net loans and leases to deposits | 62.2696% | 4,703 |
| Net loans and leases to core deposits | 69.7130% | 4,401 |
| Total domestic deposits to total assets | 89.6637% | 705 |
| Equity capital to assets | 9.6045% | 4,632 |
| Core capital (leverage) ratio | 9.3430% | 4,520 |
| Tier 1 risk-based capital ratio | 13.3966% | 4,195 |
| Total risk-based capital ratio | 14.3415% | 4,297 |
| Memoranda: | ||
| Average total assets | $315,368,500 | 2,084 |
| Average earning assets | $286,165,250 | 2,107 |
| Average equity | $31,650,500 | 2,236 |
| Average total loans | $189,029,750 | 2,181 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9869% | 3,349 |
| Cost of funding earning assets | 0.3286% | 4,069 |
| Net interest margin | 3.6583% | 2,881 |
| Noninterest income to average assets | 0.6779% | 2,309 |
| Noninterest expense to average assets | 3.0542% | 2,387 |
| Loan and lease loss provision to assets | 0.1362% | 1,607 |
| Net operating income to assets | 0.6463% | 4,137 |
| Return on assets (ROA) | 0.7331% | 3,833 |
| Pretax return on assets | 0.8939% | 3,978 |
| Return on Equity (ROE) | 7.1917% | 3,489 |
| Retained earnings to average equity (ytd only) | 3.6595% | 3,695 |
| Net charge-offs to loans | 0.1420% | 1,650 |
| Credit loss provision to net charge-offs | 156.7164% | 1,489 |
| Earnings coverage of net charge-offs (x) | 10.6343% | 2,349 |
| Efficiency ratio | 76.7650% | 2,233 |
| Assets per employee ($millions) | 3.1842% | 5,365 |
| Cash dividends to net income (ytd only)* | 49.1150% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0339% | 4,691 |
| Loan loss allowance to noncurrent loans | 206.3476% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.3628% | 4,443 |
| Noncurrent loans to loans | 0.5011% | 3,959 |
| Net loans and leases to total assets | 63.4170% | 3,354 |
| Net loans and leases to deposits | 71.4570% | 3,763 |
| Net loans and leases to core deposits | 78.7577% | 3,506 |
| Total domestic deposits to total assets | 88.7485% | 1,270 |
| Equity capital to assets | 10.5091% | 3,427 |
| Core capital (leverage) ratio | 9.5638% | 4,188 |
| Tier 1 risk-based capital ratio | 13.1725% | 4,413 |
| Total risk-based capital ratio | 14.0595% | 4,536 |
| Memoranda: | ||
| Average total assets | $308,297,670 | 2,134 |
| Average earning assets | $278,163,670 | 2,176 |
| Average equity | $31,425,000 | 2,251 |
| Average total loans | $188,697,000 | 2,194 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8544% | 3,808 |
| Cost of funding earning assets | 0.3387% | 3,997 |
| Net interest margin | 3.5158% | 3,370 |
| Noninterest income to average assets | 0.6445% | 2,427 |
| Noninterest expense to average assets | 2.8965% | 2,917 |
| Loan and lease loss provision to assets | 0.1151% | 1,796 |
| Net operating income to assets | 0.6133% | 4,227 |
| Return on assets (ROA) | 0.7801% | 3,493 |
| Pretax return on assets | 0.9745% | 3,587 |
| Return on Equity (ROE) | 7.7682% | 3,088 |
| Retained earnings to average equity (ytd only) | 4.2407% | 3,471 |
| Net charge-offs to loans | 0.2266% | 1,037 |
| Credit loss provision to net charge-offs | 84.9057% | 1,785 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 2,280 |
| Efficiency ratio | 76.6757% | 2,399 |
| Assets per employee ($millions) | 3.4890% | 4,915 |
| Cash dividends to net income (ytd only)* | 45.4098% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 5,064 |
| Loan loss allowance to noncurrent loans | 181.6523% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.4044% | 4,406 |
| Noncurrent loans to loans | 0.5472% | 3,943 |
| Net loans and leases to total assets | 59.9832% | 3,654 |
| Net loans and leases to deposits | 67.2714% | 4,027 |
| Net loans and leases to core deposits | 75.6612% | 3,627 |
| Total domestic deposits to total assets | 89.1660% | 1,162 |
| Equity capital to assets | 10.1181% | 3,990 |
| Core capital (leverage) ratio | 9.3668% | 4,477 |
| Tier 1 risk-based capital ratio | 13.5400% | 4,306 |
| Total risk-based capital ratio | 14.4166% | 4,428 |
| Memoranda: | ||
| Average total assets | $312,791,000 | 2,121 |
| Average earning assets | $278,744,500 | 2,184 |
| Average equity | $31,410,000 | 2,262 |
| Average total loans | $187,147,000 | 2,209 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9750% | 3,814 |
| Cost of funding earning assets | 0.4056% | 3,632 |
| Net interest margin | 3.5695% | 3,520 |
| Noninterest income to average assets | 0.6612% | 2,498 |
| Noninterest expense to average assets | 2.9759% | 2,916 |
| Loan and lease loss provision to assets | 0.0844% | 2,791 |
| Net operating income to assets | 0.6727% | 4,021 |
| Return on assets (ROA) | 0.7170% | 3,918 |
| Pretax return on assets | 0.8672% | 4,012 |
| Return on Equity (ROE) | 7.0165% | 3,623 |
| Retained earnings to average equity (ytd only) | 4.1907% | 3,211 |
| Net charge-offs to loans | 0.2088% | 1,997 |
| Credit loss provision to net charge-offs | 67.2043% | 3,131 |
| Earnings coverage of net charge-offs (x) | 7.1505% | 3,080 |
| Efficiency ratio | 76.8131% | 2,388 |
| Assets per employee ($millions) | 3.3146% | 5,235 |
| Cash dividends to net income (ytd only)* | 40.2732% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 4,871 |
| Loan loss allowance to noncurrent loans | 176.7377% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.4221% | 4,413 |
| Noncurrent loans to loans | 0.5863% | 3,906 |
| Net loans and leases to total assets | 58.4592% | 3,997 |
| Net loans and leases to deposits | 65.4227% | 4,385 |
| Net loans and leases to core deposits | 72.0325% | 4,119 |
| Total domestic deposits to total assets | 89.3562% | 1,044 |
| Equity capital to assets | 9.9650% | 4,157 |
| Core capital (leverage) ratio | 9.2416% | 4,614 |
| Tier 1 risk-based capital ratio | 13.2093% | 4,581 |
| Total risk-based capital ratio | 14.0817% | 4,748 |
| Memoranda: | ||
| Average total assets | $296,108,800 | 2,177 |
| Average earning assets | $266,539,600 | 2,226 |
| Average equity | $30,257,200 | 2,253 |
| Average total loans | $178,190,000 | 2,249 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9586% | 3,935 |
| Cost of funding earning assets | 0.4141% | 3,640 |
| Net interest margin | 3.5444% | 3,650 |
| Noninterest income to average assets | 0.6857% | 2,402 |
| Noninterest expense to average assets | 3.0303% | 2,704 |
| Loan and lease loss provision to assets | 0.1027% | 2,321 |
| Net operating income to assets | 0.6435% | 4,245 |
| Return on assets (ROA) | 0.6593% | 4,268 |
| Pretax return on assets | 0.7852% | 4,415 |
| Return on Equity (ROE) | 6.4094% | 4,024 |
| Retained earnings to average equity (ytd only) | 3.6238% | 4,073 |
| Net charge-offs to loans | 0.2490% | 1,550 |
| Credit loss provision to net charge-offs | 68.1818% | 2,800 |
| Earnings coverage of net charge-offs (x) | 5.7727% | 3,199 |
| Efficiency ratio | 77.7115% | 2,228 |
| Assets per employee ($millions) | 3.5088% | 4,848 |
| Cash dividends to net income (ytd only)* | 43.4600% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 4,897 |
| Loan loss allowance to noncurrent loans | 159.2715% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.3944% | 4,739 |
| Noncurrent loans to loans | 0.6701% | 3,932 |
| Net loans and leases to total assets | 54.6557% | 4,497 |
| Net loans and leases to deposits | 60.7849% | 4,868 |
| Net loans and leases to core deposits | 65.9006% | 4,724 |
| Total domestic deposits to total assets | 89.9166% | 780 |
| Equity capital to assets | 9.4110% | 4,907 |
| Core capital (leverage) ratio | 9.5411% | 4,317 |
| Tier 1 risk-based capital ratio | 13.1189% | 4,789 |
| Total risk-based capital ratio | 14.0069% | 4,912 |
| Memoranda: | ||
| Average total assets | $292,243,250 | 2,215 |
| Average earning assets | $264,971,500 | 2,250 |
| Average equity | $30,059,500 | 2,279 |
| Average total loans | $176,725,250 | 2,273 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0551% | 3,522 |
| Cost of funding earning assets | 0.4409% | 3,433 |
| Net interest margin | 3.6143% | 3,305 |
| Noninterest income to average assets | 0.7797% | 1,916 |
| Noninterest expense to average assets | 3.1344% | 2,378 |
| Loan and lease loss provision to assets | 0.1068% | 2,229 |
| Net operating income to assets | 0.6585% | 4,052 |
| Return on assets (ROA) | 0.6821% | 4,030 |
| Pretax return on assets | 0.8423% | 4,114 |
| Return on Equity (ROE) | 6.4203% | 3,930 |
| Retained earnings to average equity (ytd only) | 3.7329% | 3,820 |
| Net charge-offs to loans | 0.0422% | 3,386 |
| Credit loss provision to net charge-offs | 405.4054% | 688 |
| Earnings coverage of net charge-offs (x) | 34.9189% | 1,158 |
| Efficiency ratio | 77.3094% | 2,406 |
| Assets per employee ($millions) | 2.9523% | 5,815 |
| Cash dividends to net income (ytd only)* | 41.8580% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1942% | 4,451 |
| Loan loss allowance to noncurrent loans | 315.9292% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.2573% | 5,321 |
| Noncurrent loans to loans | 0.3780% | 4,859 |
| Net loans and leases to total assets | 63.8621% | 3,090 |
| Net loans and leases to deposits | 73.1760% | 3,433 |
| Net loans and leases to core deposits | 78.0552% | 3,432 |
| Total domestic deposits to total assets | 87.2719% | 2,310 |
| Equity capital to assets | 10.9599% | 2,918 |
| Core capital (leverage) ratio | 10.1948% | 3,346 |
| Tier 1 risk-based capital ratio | 13.6295% | 4,502 |
| Total risk-based capital ratio | 14.6661% | 4,586 |
| Memoranda: | ||
| Average total assets | $280,884,670 | 2,283 |
| Average earning assets | $254,491,670 | 2,319 |
| Average equity | $29,842,670 | 2,281 |
| Average total loans | $175,541,670 | 2,286 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9329% | 3,956 |
| Cost of funding earning assets | 0.4521% | 3,403 |
| Net interest margin | 3.4808% | 3,782 |
| Noninterest income to average assets | 0.7871% | 1,812 |
| Noninterest expense to average assets | 3.0987% | 2,537 |
| Loan and lease loss provision to assets | 0.1062% | 2,152 |
| Net operating income to assets | 0.5872% | 4,252 |
| Return on assets (ROA) | 0.6313% | 4,128 |
| Pretax return on assets | 0.7871% | 4,160 |
| Return on Equity (ROE) | 6.0359% | 4,007 |
| Retained earnings to average equity (ytd only) | 3.6676% | 3,934 |
| Net charge-offs to loans | 0.0438% | 2,775 |
| Credit loss provision to net charge-offs | 394.7368% | 660 |
| Earnings coverage of net charge-offs (x) | 31.1579% | 1,024 |
| Efficiency ratio | 78.7127% | 2,372 |
| Assets per employee ($millions) | 3.0572% | 5,763 |
| Cash dividends to net income (ytd only)* | 39.2377% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1902% | 4,680 |
| Loan loss allowance to noncurrent loans | 491.7453% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.1618% | 5,756 |
| Noncurrent loans to loans | 0.2420% | 5,380 |
| Net loans and leases to total assets | 60.8785% | 3,418 |
| Net loans and leases to deposits | 68.4806% | 3,804 |
| Net loans and leases to core deposits | 72.9022% | 3,771 |
| Total domestic deposits to total assets | 88.8989% | 1,727 |
| Equity capital to assets | 10.4417% | 3,307 |
| Core capital (leverage) ratio | 9.9919% | 3,588 |
| Tier 1 risk-based capital ratio | 13.5568% | 4,642 |
| Total risk-based capital ratio | 14.5707% | 4,738 |
| Memoranda: | ||
| Average total assets | $282,571,000 | 2,282 |
| Average earning assets | $255,689,000 | 2,318 |
| Average equity | $29,556,500 | 2,291 |
| Average total loans | $173,629,000 | 2,303 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1250% | 3,640 |
| Cost of funding earning assets | 0.5020% | 3,589 |
| Net interest margin | 3.6230% | 3,364 |
| Noninterest income to average assets | 0.8885% | 1,719 |
| Noninterest expense to average assets | 3.0960% | 2,744 |
| Loan and lease loss provision to assets | 0.0968% | 3,186 |
| Net operating income to assets | 0.7401% | 3,608 |
| Return on assets (ROA) | 0.7902% | 3,444 |
| Pretax return on assets | 0.9960% | 3,365 |
| Return on Equity (ROE) | 7.5241% | 3,286 |
| Retained earnings to average equity (ytd only) | 4.8579% | 2,693 |
| Net charge-offs to loans | 0.1308% | 3,503 |
| Credit loss provision to net charge-offs | 127.3585% | 1,847 |
| Earnings coverage of net charge-offs (x) | 13.5425% | 2,011 |
| Efficiency ratio | 75.0478% | 2,938 |
| Assets per employee ($millions) | 2.9874% | 5,853 |
| Cash dividends to net income (ytd only)* | 35.4356% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 4,762 |
| Loan loss allowance to noncurrent loans | 365.5856% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.2247% | 5,608 |
| Noncurrent loans to loans | 0.3225% | 5,217 |
| Net loans and leases to total assets | 60.5559% | 3,620 |
| Net loans and leases to deposits | 69.0119% | 3,906 |
| Net loans and leases to core deposits | 73.7447% | 3,865 |
| Total domestic deposits to total assets | 87.7470% | 2,336 |
| Equity capital to assets | 10.4782% | 3,191 |
| Core capital (leverage) ratio | 9.7472% | 3,915 |
| Tier 1 risk-based capital ratio | 13.5974% | 4,584 |
| Total risk-based capital ratio | 14.5968% | 4,693 |
| Memoranda: | ||
| Average total assets | $278,911,400 | 2,279 |
| Average earning assets | $249,186,600 | 2,335 |
| Average equity | $29,292,400 | 2,292 |
| Average total loans | $162,103,200 | 2,391 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1360% | 3,617 |
| Cost of funding earning assets | 0.5086% | 3,688 |
| Net interest margin | 3.6274% | 3,336 |
| Noninterest income to average assets | 0.9467% | 1,614 |
| Noninterest expense to average assets | 3.0771% | 2,739 |
| Loan and lease loss provision to assets | 0.1293% | 2,676 |
| Net operating income to assets | 0.7747% | 3,487 |
| Return on assets (ROA) | 0.7935% | 3,515 |
| Pretax return on assets | 0.9879% | 3,549 |
| Return on Equity (ROE) | 7.5507% | 3,350 |
| Retained earnings to average equity (ytd only) | 4.4475% | 3,503 |
| Net charge-offs to loans | 0.1654% | 2,903 |
| Credit loss provision to net charge-offs | 136.3636% | 1,719 |
| Earnings coverage of net charge-offs (x) | 11.5355% | 2,232 |
| Efficiency ratio | 73.7773% | 3,104 |
| Assets per employee ($millions) | 3.2685% | 5,343 |
| Cash dividends to net income (ytd only)* | 41.0985% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 4,685 |
| Loan loss allowance to noncurrent loans | 381.8692% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 5,572 |
| Noncurrent loans to loans | 0.3254% | 5,409 |
| Net loans and leases to total assets | 54.5832% | 4,520 |
| Net loans and leases to deposits | 60.9177% | 4,874 |
| Net loans and leases to core deposits | 64.6228% | 4,831 |
| Total domestic deposits to total assets | 89.6015% | 1,223 |
| Equity capital to assets | 9.7836% | 4,206 |
| Core capital (leverage) ratio | 9.8223% | 3,928 |
| Tier 1 risk-based capital ratio | 13.9134% | 4,487 |
| Total risk-based capital ratio | 14.9600% | 4,579 |
| Memoranda: | ||
| Average total assets | $278,434,250 | 2,289 |
| Average earning assets | $247,480,750 | 2,361 |
| Average equity | $29,259,250 | 2,317 |
| Average total loans | $159,608,500 | 2,446 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2330% | 3,226 |
| Cost of funding earning assets | 0.5234% | 3,669 |
| Net interest margin | 3.7095% | 2,921 |
| Noninterest income to average assets | 0.9783% | 1,583 |
| Noninterest expense to average assets | 3.1018% | 2,657 |
| Loan and lease loss provision to assets | 0.1323% | 2,664 |
| Net operating income to assets | 0.8084% | 3,243 |
| Return on assets (ROA) | 0.8313% | 3,298 |
| Pretax return on assets | 1.0658% | 3,241 |
| Return on Equity (ROE) | 7.7169% | 3,228 |
| Retained earnings to average equity (ytd only) | 4.6124% | 3,328 |
| Net charge-offs to loans | 0.2519% | 2,215 |
| Credit loss provision to net charge-offs | 90.4523% | 2,426 |
| Earnings coverage of net charge-offs (x) | 7.9899% | 2,469 |
| Efficiency ratio | 72.6334% | 3,364 |
| Assets per employee ($millions) | 3.0378% | 5,788 |
| Cash dividends to net income (ytd only)* | 40.2299% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2244% | 4,862 |
| Loan loss allowance to noncurrent loans | 398.3673% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.2671% | 5,691 |
| Noncurrent loans to loans | 0.3074% | 5,535 |
| Net loans and leases to total assets | 58.9075% | 3,839 |
| Net loans and leases to deposits | 66.6110% | 4,194 |
| Net loans and leases to core deposits | 71.8503% | 4,061 |
| Total domestic deposits to total assets | 88.4351% | 1,961 |
| Equity capital to assets | 10.8392% | 2,908 |
| Core capital (leverage) ratio | 9.9064% | 3,648 |
| Tier 1 risk-based capital ratio | 14.1635% | 4,312 |
| Total risk-based capital ratio | 15.1928% | 4,424 |
| Memoranda: | ||
| Average total assets | $272,100,330 | 2,348 |
| Average earning assets | $241,486,000 | 2,437 |
| Average equity | $29,312,330 | 2,316 |
| Average total loans | $158,013,670 | 2,463 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1783% | 3,390 |
| Cost of funding earning assets | 0.5239% | 3,849 |
| Net interest margin | 3.6544% | 3,063 |
| Noninterest income to average assets | 0.9326% | 1,651 |
| Noninterest expense to average assets | 3.0063% | 2,972 |
| Loan and lease loss provision to assets | 0.1312% | 2,603 |
| Net operating income to assets | 0.7887% | 3,226 |
| Return on assets (ROA) | 0.7942% | 3,334 |
| Pretax return on assets | 1.0449% | 3,167 |
| Return on Equity (ROE) | 7.3947% | 3,270 |
| Retained earnings to average equity (ytd only) | 4.3011% | 3,644 |
| Net charge-offs to loans | 0.5060% | 1,188 |
| Credit loss provision to net charge-offs | 45.2261% | 2,683 |
| Earnings coverage of net charge-offs (x) | 4.0302% | 2,628 |
| Efficiency ratio | 72.0070% | 3,612 |
| Assets per employee ($millions) | 3.2013% | 5,620 |
| Cash dividends to net income (ytd only)* | 41.8349% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 5,240 |
| Loan loss allowance to noncurrent loans | 339.7810% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.2630% | 5,777 |
| Noncurrent loans to loans | 0.3491% | 5,519 |
| Net loans and leases to total assets | 56.3476% | 4,034 |
| Net loans and leases to deposits | 63.7553% | 4,346 |
| Net loans and leases to core deposits | 70.8043% | 3,970 |
| Total domestic deposits to total assets | 88.3811% | 2,077 |
| Equity capital to assets | 10.7679% | 3,237 |
| Core capital (leverage) ratio | 9.5658% | 3,981 |
| Tier 1 risk-based capital ratio | 14.2528% | 4,323 |
| Total risk-based capital ratio | 15.2542% | 4,459 |
| Memoranda: | ||
| Average total assets | $274,487,500 | 2,351 |
| Average earning assets | $243,545,000 | 2,440 |
| Average equity | $29,480,500 | 2,337 |
| Average total loans | $157,307,000 | 2,493 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5638% | 3,155 |
| Cost of funding earning assets | 0.6795% | 3,657 |
| Net interest margin | 3.8843% | 2,898 |
| Noninterest income to average assets | 0.8650% | 1,971 |
| Noninterest expense to average assets | 3.0264% | 3,178 |
| Loan and lease loss provision to assets | 0.1205% | 4,110 |
| Net operating income to assets | 0.8742% | 2,935 |
| Return on assets (ROA) | 0.9183% | 2,958 |
| Pretax return on assets | 1.1671% | 2,915 |
| Return on Equity (ROE) | 8.8354% | 2,713 |
| Retained earnings to average equity (ytd only) | 6.1961% | 1,973 |
| Net charge-offs to loans | 0.2115% | 3,698 |
| Credit loss provision to net charge-offs | 98.5075% | 3,153 |
| Earnings coverage of net charge-offs (x) | 10.0657% | 2,185 |
| Efficiency ratio | 71.0732% | 3,611 |
| Assets per employee ($millions) | 3.1456% | 5,748 |
| Cash dividends to net income (ytd only)* | 29.8727% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 4,869 |
| Loan loss allowance to noncurrent loans | 234.3639% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.3661% | 5,596 |
| Noncurrent loans to loans | 0.5336% | 5,194 |
| Net loans and leases to total assets | 56.8763% | 4,134 |
| Net loans and leases to deposits | 64.9176% | 4,439 |
| Net loans and leases to core deposits | 71.6843% | 4,083 |
| Total domestic deposits to total assets | 87.6130% | 2,472 |
| Equity capital to assets | 10.7123% | 3,269 |
| Core capital (leverage) ratio | 9.3400% | 4,343 |
| Tier 1 risk-based capital ratio | 14.3553% | 4,119 |
| Total risk-based capital ratio | 15.4359% | 4,215 |
| Memoranda: | ||
| Average total assets | $273,758,400 | 2,314 |
| Average earning assets | $239,140,200 | 2,422 |
| Average equity | $28,453,600 | 2,354 |
| Average total loans | $158,416,400 | 2,454 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5842% | 3,270 |
| Cost of funding earning assets | 0.7091% | 3,686 |
| Net interest margin | 3.8751% | 3,008 |
| Noninterest income to average assets | 0.7855% | 2,302 |
| Noninterest expense to average assets | 3.0091% | 3,201 |
| Loan and lease loss provision to assets | 0.1169% | 4,093 |
| Net operating income to assets | 0.8420% | 3,247 |
| Return on assets (ROA) | 0.9024% | 3,203 |
| Pretax return on assets | 1.1191% | 3,278 |
| Return on Equity (ROE) | 8.7492% | 2,926 |
| Retained earnings to average equity (ytd only) | 6.2703% | 2,510 |
| Net charge-offs to loans | 0.2808% | 3,043 |
| Credit loss provision to net charge-offs | 71.8563% | 3,859 |
| Earnings coverage of net charge-offs (x) | 7.1408% | 2,653 |
| Efficiency ratio | 72.1509% | 3,299 |
| Assets per employee ($millions) | 3.1835% | 5,667 |
| Cash dividends to net income (ytd only)* | 28.3324% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 5,461 |
| Loan loss allowance to noncurrent loans | 209.2222% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.4000% | 5,692 |
| Noncurrent loans to loans | 0.5561% | 5,332 |
| Net loans and leases to total assets | 55.8268% | 4,484 |
| Net loans and leases to deposits | 63.7845% | 4,740 |
| Net loans and leases to core deposits | 68.5276% | 4,671 |
| Total domestic deposits to total assets | 87.5241% | 2,335 |
| Equity capital to assets | 10.1367% | 4,298 |
| Core capital (leverage) ratio | 9.1359% | 4,855 |
| Tier 1 risk-based capital ratio | 13.6626% | 4,774 |
| Total risk-based capital ratio | 14.6617% | 4,897 |
| Memoranda: | ||
| Average total assets | $273,781,500 | 2,335 |
| Average earning assets | $239,163,250 | 2,449 |
| Average equity | $28,238,000 | 2,390 |
| Average total loans | $158,615,000 | 2,465 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6247% | 3,255 |
| Cost of funding earning assets | 0.7449% | 3,645 |
| Net interest margin | 3.8798% | 3,000 |
| Noninterest income to average assets | 0.8422% | 1,996 |
| Noninterest expense to average assets | 3.0103% | 3,222 |
| Loan and lease loss provision to assets | 0.1336% | 3,857 |
| Net operating income to assets | 0.8956% | 2,932 |
| Return on assets (ROA) | 0.9305% | 3,022 |
| Pretax return on assets | 1.1501% | 3,119 |
| Return on Equity (ROE) | 8.9669% | 2,829 |
| Retained earnings to average equity (ytd only) | 6.4641% | 2,402 |
| Net charge-offs to loans | 0.4989% | 2,089 |
| Credit loss provision to net charge-offs | 45.8015% | 4,131 |
| Earnings coverage of net charge-offs (x) | 4.2545% | 3,135 |
| Efficiency ratio | 70.8152% | 3,631 |
| Assets per employee ($millions) | 2.9841% | 6,095 |
| Cash dividends to net income (ytd only)* | 27.9107% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1238% | 5,673 |
| Loan loss allowance to noncurrent loans | 139.2575% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.6170% | 5,229 |
| Noncurrent loans to loans | 0.8070% | 4,893 |
| Net loans and leases to total assets | 57.7559% | 4,209 |
| Net loans and leases to deposits | 67.1278% | 4,338 |
| Net loans and leases to core deposits | 72.2477% | 4,271 |
| Total domestic deposits to total assets | 86.0386% | 3,340 |
| Equity capital to assets | 10.6427% | 3,520 |
| Core capital (leverage) ratio | 9.5551% | 4,070 |
| Tier 1 risk-based capital ratio | 13.6363% | 4,713 |
| Total risk-based capital ratio | 14.5856% | 4,903 |
| Memoranda: | ||
| Average total assets | $269,537,670 | 2,377 |
| Average earning assets | $236,816,330 | 2,459 |
| Average equity | $27,969,670 | 2,398 |
| Average total loans | $157,542,000 | 2,498 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5932% | 3,539 |
| Cost of funding earning assets | 0.7747% | 3,662 |
| Net interest margin | 3.8185% | 3,297 |
| Noninterest income to average assets | 0.7362% | 2,464 |
| Noninterest expense to average assets | 2.9716% | 3,377 |
| Loan and lease loss provision to assets | 0.1333% | 3,691 |
| Net operating income to assets | 0.8068% | 3,343 |
| Return on assets (ROA) | 0.8222% | 3,518 |
| Pretax return on assets | 1.0310% | 3,565 |
| Return on Equity (ROE) | 8.0252% | 3,274 |
| Retained earnings to average equity (ytd only) | 4.7717% | 3,693 |
| Net charge-offs to loans | 0.7145% | 1,404 |
| Credit loss provision to net charge-offs | 31.9149% | 3,592 |
| Earnings coverage of net charge-offs (x) | 2.7411% | 3,083 |
| Efficiency ratio | 72.1842% | 3,408 |
| Assets per employee ($millions) | 3.0419% | 6,076 |
| Cash dividends to net income (ytd only)* | 40.5405% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 5,822 |
| Loan loss allowance to noncurrent loans | 120.6220% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.9647% | 4,576 |
| Noncurrent loans to loans | 0.9323% | 4,801 |
| Net loans and leases to total assets | 57.2936% | 4,165 |
| Net loans and leases to deposits | 66.6072% | 4,293 |
| Net loans and leases to core deposits | 70.8936% | 4,312 |
| Total domestic deposits to total assets | 86.0170% | 3,521 |
| Equity capital to assets | 10.1648% | 3,895 |
| Core capital (leverage) ratio | 9.2000% | 4,517 |
| Tier 1 risk-based capital ratio | 13.2751% | 5,006 |
| Total risk-based capital ratio | 14.2319% | 5,201 |
| Memoranda: | ||
| Average total assets | $270,021,500 | 2,384 |
| Average earning assets | $239,049,000 | 2,455 |
| Average equity | $27,663,000 | 2,415 |
| Average total loans | $157,874,000 | 2,512 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8803% | 3,454 |
| Cost of funding earning assets | 1.0010% | 3,373 |
| Net interest margin | 3.8793% | 3,428 |
| Noninterest income to average assets | 0.6675% | 2,794 |
| Noninterest expense to average assets | 2.8817% | 4,037 |
| Loan and lease loss provision to assets | 0.1524% | 4,716 |
| Net operating income to assets | 0.7802% | 3,136 |
| Return on assets (ROA) | 0.8146% | 3,145 |
| Pretax return on assets | 1.0399% | 3,081 |
| Return on Equity (ROE) | 8.2090% | 2,802 |
| Retained earnings to average equity (ytd only) | 5.2856% | 2,464 |
| Net charge-offs to loans | 0.1514% | 4,930 |
| Credit loss provision to net charge-offs | 171.6102% | 1,556 |
| Earnings coverage of net charge-offs (x) | 12.9322% | 1,582 |
| Efficiency ratio | 71.5059% | 3,689 |
| Assets per employee ($millions) | 3.0258% | 6,029 |
| Cash dividends to net income (ytd only)* | 35.6120% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 5,126 |
| Loan loss allowance to noncurrent loans | 187.4763% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.8165% | 5,000 |
| Noncurrent loans to loans | 0.6709% | 5,359 |
| Net loans and leases to total assets | 58.2618% | 4,321 |
| Net loans and leases to deposits | 68.0012% | 4,450 |
| Net loans and leases to core deposits | 72.3110% | 4,470 |
| Total domestic deposits to total assets | 85.6775% | 3,496 |
| Equity capital to assets | 10.3270% | 3,748 |
| Core capital (leverage) ratio | 9.0396% | 4,712 |
| Tier 1 risk-based capital ratio | 13.0316% | 5,044 |
| Total risk-based capital ratio | 14.0861% | 5,187 |
| Memoranda: | ||
| Average total assets | $265,783,200 | 2,371 |
| Average earning assets | $230,376,200 | 2,503 |
| Average equity | $26,373,600 | 2,449 |
| Average total loans | $155,874,800 | 2,555 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8677% | 3,692 |
| Cost of funding earning assets | 1.0442% | 3,360 |
| Net interest margin | 3.8236% | 3,749 |
| Noninterest income to average assets | 0.5787% | 3,310 |
| Noninterest expense to average assets | 2.8151% | 4,285 |
| Loan and lease loss provision to assets | 0.1681% | 4,367 |
| Net operating income to assets | 0.7117% | 3,550 |
| Return on assets (ROA) | 0.7578% | 3,515 |
| Pretax return on assets | 0.9521% | 3,582 |
| Return on Equity (ROE) | 7.7159% | 3,170 |
| Retained earnings to average equity (ytd only) | 4.8748% | 3,259 |
| Net charge-offs to loans | 0.1320% | 4,732 |
| Credit loss provision to net charge-offs | 217.5325% | 1,311 |
| Earnings coverage of net charge-offs (x) | 13.7467% | 1,593 |
| Efficiency ratio | 72.5990% | 3,440 |
| Assets per employee ($millions) | 3.0401% | 6,030 |
| Cash dividends to net income (ytd only)* | 36.8210% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2396% | 5,308 |
| Loan loss allowance to noncurrent loans | 321.6828% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.6519% | 5,509 |
| Noncurrent loans to loans | 0.3853% | 6,084 |
| Net loans and leases to total assets | 56.0213% | 4,839 |
| Net loans and leases to deposits | 65.2258% | 5,023 |
| Net loans and leases to core deposits | 69.8450% | 4,962 |
| Total domestic deposits to total assets | 85.8883% | 3,275 |
| Equity capital to assets | 9.6152% | 4,913 |
| Core capital (leverage) ratio | 8.8717% | 5,156 |
| Tier 1 risk-based capital ratio | 12.7713% | 5,275 |
| Total risk-based capital ratio | 13.8299% | 5,406 |
| Memoranda: | ||
| Average total assets | $265,660,500 | 2,383 |
| Average earning assets | $229,204,000 | 2,523 |
| Average equity | $26,092,500 | 2,469 |
| Average total loans | $155,565,500 | 2,579 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9569% | 3,374 |
| Cost of funding earning assets | 1.1056% | 3,202 |
| Net interest margin | 3.8513% | 3,530 |
| Noninterest income to average assets | 0.5408% | 3,549 |
| Noninterest expense to average assets | 2.8319% | 4,303 |
| Loan and lease loss provision to assets | 0.1846% | 4,074 |
| Net operating income to assets | 0.6827% | 3,638 |
| Return on assets (ROA) | 0.6839% | 3,749 |
| Pretax return on assets | 0.8355% | 3,885 |
| Return on Equity (ROE) | 6.9107% | 3,485 |
| Retained earnings to average equity (ytd only) | 4.2599% | 3,484 |
| Net charge-offs to loans | 0.1273% | 4,458 |
| Credit loss provision to net charge-offs | 244.8980% | 1,238 |
| Earnings coverage of net charge-offs (x) | 13.5102% | 1,538 |
| Efficiency ratio | 73.5465% | 3,454 |
| Assets per employee ($millions) | 2.8520% | 6,382 |
| Cash dividends to net income (ytd only)* | 38.3577% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 5,224 |
| Loan loss allowance to noncurrent loans | 220.4751% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.7916% | 5,314 |
| Noncurrent loans to loans | 0.5739% | 5,777 |
| Net loans and leases to total assets | 57.9667% | 4,635 |
| Net loans and leases to deposits | 67.9844% | 4,710 |
| Net loans and leases to core deposits | 74.1346% | 4,565 |
| Total domestic deposits to total assets | 85.2648% | 3,749 |
| Equity capital to assets | 10.0059% | 4,143 |
| Core capital (leverage) ratio | 9.1136% | 4,543 |
| Tier 1 risk-based capital ratio | 12.8126% | 5,079 |
| Total risk-based capital ratio | 13.8718% | 5,213 |
| Memoranda: | ||
| Average total assets | $259,970,670 | 2,455 |
| Average earning assets | $223,406,330 | 2,605 |
| Average equity | $25,728,330 | 2,492 |
| Average total loans | $153,961,670 | 2,624 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9645% | 3,271 |
| Cost of funding earning assets | 1.1448% | 3,193 |
| Net interest margin | 3.8197% | 3,513 |
| Noninterest income to average assets | 0.5132% | 3,780 |
| Noninterest expense to average assets | 2.8798% | 4,150 |
| Loan and lease loss provision to assets | 0.1855% | 3,755 |
| Net operating income to assets | 0.6036% | 4,016 |
| Return on assets (ROA) | 0.6075% | 4,063 |
| Pretax return on assets | 0.7173% | 4,232 |
| Return on Equity (ROE) | 6.1731% | 3,802 |
| Retained earnings to average equity (ytd only) | 4.2096% | 3,637 |
| Net charge-offs to loans | 0.2573% | 3,043 |
| Credit loss provision to net charge-offs | 121.2121% | 2,252 |
| Earnings coverage of net charge-offs (x) | 5.8687% | 2,195 |
| Efficiency ratio | 76.2275% | 3,120 |
| Assets per employee ($millions) | 2.7726% | 6,578 |
| Cash dividends to net income (ytd only)* | 31.8066% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 5,637 |
| Loan loss allowance to noncurrent loans | 238.9542% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.8163% | 5,268 |
| Noncurrent loans to loans | 0.5019% | 6,016 |
| Net loans and leases to total assets | 57.1782% | 4,769 |
| Net loans and leases to deposits | 67.3137% | 4,781 |
| Net loans and leases to core deposits | 72.8123% | 4,672 |
| Total domestic deposits to total assets | 84.9428% | 4,055 |
| Equity capital to assets | 9.7557% | 4,099 |
| Core capital (leverage) ratio | 8.9619% | 4,673 |
| Tier 1 risk-based capital ratio | 12.6298% | 5,135 |
| Total risk-based capital ratio | 13.6209% | 5,365 |
| Memoranda: | ||
| Average total assets | $258,763,500 | 2,485 |
| Average earning assets | $221,171,500 | 2,647 |
| Average equity | $25,465,500 | 2,498 |
| Average total loans | $153,920,000 | 2,648 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4338% | 2,529 |
| Cost of funding earning assets | 1.3813% | 3,380 |
| Net interest margin | 4.0525% | 2,794 |
| Noninterest income to average assets | 0.6315% | 3,272 |
| Noninterest expense to average assets | 2.8933% | 4,252 |
| Loan and lease loss provision to assets | 0.1918% | 5,312 |
| Net operating income to assets | 0.8475% | 2,597 |
| Return on assets (ROA) | 0.8688% | 2,650 |
| Pretax return on assets | 1.0845% | 2,643 |
| Return on Equity (ROE) | 9.0109% | 2,285 |
| Retained earnings to average equity (ytd only) | 4.2638% | 2,859 |
| Net charge-offs to loans | 0.3661% | 4,197 |
| Credit loss provision to net charge-offs | 83.3333% | 5,414 |
| Earnings coverage of net charge-offs (x) | 5.4286% | 2,624 |
| Efficiency ratio | 69.8356% | 4,208 |
| Assets per employee ($millions) | 2.7035% | 6,680 |
| Cash dividends to net income (ytd only)* | 52.6814% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 5,675 |
| Loan loss allowance to noncurrent loans | 185.7143% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.8799% | 5,255 |
| Noncurrent loans to loans | 0.6261% | 5,797 |
| Net loans and leases to total assets | 60.4413% | 4,597 |
| Net loans and leases to deposits | 71.4834% | 4,612 |
| Net loans and leases to core deposits | 73.5213% | 5,039 |
| Total domestic deposits to total assets | 84.5528% | 4,083 |
| Equity capital to assets | 9.9299% | 3,841 |
| Core capital (leverage) ratio | 8.8804% | 4,728 |
| Tier 1 risk-based capital ratio | 12.4061% | 5,105 |
| Total risk-based capital ratio | 13.3797% | 5,335 |
| Memoranda: | ||
| Average total assets | $255,415,800 | 2,496 |
| Average earning assets | $221,319,000 | 2,616 |
| Average equity | $24,625,800 | 2,592 |
| Average total loans | $160,618,600 | 2,611 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4077% | 2,842 |
| Cost of funding earning assets | 1.4284% | 3,398 |
| Net interest margin | 3.9793% | 3,191 |
| Noninterest income to average assets | 0.5964% | 3,460 |
| Noninterest expense to average assets | 2.8617% | 4,236 |
| Loan and lease loss provision to assets | 0.1929% | 5,112 |
| Net operating income to assets | 0.7958% | 3,019 |
| Return on assets (ROA) | 0.8300% | 3,019 |
| Pretax return on assets | 1.0219% | 3,106 |
| Return on Equity (ROE) | 8.6731% | 2,619 |
| Retained earnings to average equity (ytd only) | 3.3832% | 4,067 |
| Net charge-offs to loans | 0.3434% | 3,933 |
| Credit loss provision to net charge-offs | 88.7290% | 4,816 |
| Earnings coverage of net charge-offs (x) | 5.3932% | 2,755 |
| Efficiency ratio | 70.9356% | 3,892 |
| Assets per employee ($millions) | 2.8445% | 6,494 |
| Cash dividends to net income (ytd only)* | 60.9924% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1400% | 5,761 |
| Loan loss allowance to noncurrent loans | 125.2866% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.9881% | 5,108 |
| Noncurrent loans to loans | 0.9099% | 5,423 |
| Net loans and leases to total assets | 60.9078% | 4,734 |
| Net loans and leases to deposits | 72.5756% | 4,755 |
| Net loans and leases to core deposits | 74.2659% | 5,261 |
| Total domestic deposits to total assets | 83.9234% | 4,174 |
| Equity capital to assets | 9.5574% | 4,760 |
| Core capital (leverage) ratio | 8.4909% | 5,525 |
| Tier 1 risk-based capital ratio | 11.7921% | 5,647 |
| Total risk-based capital ratio | 12.7616% | 5,910 |
| Memoranda: | ||
| Average total assets | $255,737,000 | 2,531 |
| Average earning assets | $220,937,000 | 2,657 |
| Average equity | $24,473,500 | 2,656 |
| Average total loans | $161,921,500 | 2,631 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4015% | 2,971 |
| Cost of funding earning assets | 1.4673% | 3,445 |
| Net interest margin | 3.9342% | 3,300 |
| Noninterest income to average assets | 0.5641% | 3,594 |
| Noninterest expense to average assets | 2.9074% | 4,045 |
| Loan and lease loss provision to assets | 0.1424% | 5,472 |
| Net operating income to assets | 0.7457% | 3,212 |
| Return on assets (ROA) | 0.7983% | 3,126 |
| Pretax return on assets | 0.9786% | 3,209 |
| Return on Equity (ROE) | 8.3376% | 2,743 |
| Retained earnings to average equity (ytd only) | 1.9419% | 4,900 |
| Net charge-offs to loans | 0.0681% | 5,460 |
| Credit loss provision to net charge-offs | 327.2727% | 1,117 |
| Earnings coverage of net charge-offs (x) | 24.2909% | 1,077 |
| Efficiency ratio | 73.3387% | 3,591 |
| Assets per employee ($millions) | 2.9248% | 6,303 |
| Cash dividends to net income (ytd only)* | 76.7096% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2480% | 5,199 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 1.1129% | 4,908 |
| Noncurrent loans to loans | 1.2480% | 4,883 |
| Net loans and leases to total assets | 63.1260% | 4,438 |
| Net loans and leases to deposits | 76.0297% | 4,330 |
| Net loans and leases to core deposits | 78.0835% | 4,938 |
| Total domestic deposits to total assets | 83.0280% | 4,562 |
| Equity capital to assets | 9.5948% | 4,560 |
| Core capital (leverage) ratio | 8.6384% | 5,177 |
| Tier 1 risk-based capital ratio | 11.9280% | 5,377 |
| Total risk-based capital ratio | 13.0181% | 5,489 |
| Memoranda: | ||
| Average total assets | $252,803,000 | 2,580 |
| Average earning assets | $218,493,330 | 2,704 |
| Average equity | $24,203,670 | 2,674 |
| Average total loans | $161,567,670 | 2,674 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4091% | 2,993 |
| Cost of funding earning assets | 1.4633% | 3,788 |
| Net interest margin | 3.9458% | 3,125 |
| Noninterest income to average assets | 0.5096% | 3,977 |
| Noninterest expense to average assets | 2.9273% | 3,960 |
| Loan and lease loss provision to assets | 0.1429% | 5,121 |
| Net operating income to assets | 0.6851% | 3,501 |
| Return on assets (ROA) | 0.7906% | 3,123 |
| Pretax return on assets | 0.9668% | 3,210 |
| Return on Equity (ROE) | 8.2662% | 2,748 |
| Retained earnings to average equity (ytd only) | -3.7347% | 6,465 |
| Net charge-offs to loans | -0.0025% | 6,771 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8985% | 3,423 |
| Assets per employee ($millions) | 3.1127% | 5,972 |
| Cash dividends to net income (ytd only)* | 145.1807% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 5,253 |
| Loan loss allowance to noncurrent loans | 98.7630% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 1.0487% | 5,045 |
| Noncurrent loans to loans | 1.2604% | 4,877 |
| Net loans and leases to total assets | 60.5613% | 5,028 |
| Net loans and leases to deposits | 72.4371% | 4,995 |
| Net loans and leases to core deposits | 74.4930% | 5,445 |
| Total domestic deposits to total assets | 83.6053% | 4,340 |
| Equity capital to assets | 9.1839% | 5,011 |
| Core capital (leverage) ratio | 8.8003% | 4,854 |
| Tier 1 risk-based capital ratio | 11.7432% | 5,452 |
| Total risk-based capital ratio | 12.8208% | 5,582 |
| Memoranda: | ||
| Average total assets | $251,974,000 | 2,634 |
| Average earning assets | $217,042,000 | 2,779 |
| Average equity | $24,098,000 | 2,711 |
| Average total loans | $161,021,000 | 2,748 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0024% | 1,857 |
| Cost of funding earning assets | 1.8337% | 3,817 |
| Net interest margin | 4.1686% | 2,189 |
| Noninterest income to average assets | 0.9519% | 1,741 |
| Noninterest expense to average assets | 2.9397% | 4,386 |
| Loan and lease loss provision to assets | 0.1897% | 5,825 |
| Net operating income to assets | 1.1650% | 1,346 |
| Return on assets (ROA) | 1.0785% | 1,621 |
| Pretax return on assets | 1.4270% | 1,370 |
| Return on Equity (ROE) | 11.2627% | 1,362 |
| Retained earnings to average equity (ytd only) | 8.1617% | 662 |
| Net charge-offs to loans | 0.1132% | 6,029 |
| Credit loss provision to net charge-offs | 248.6486% | 1,427 |
| Earnings coverage of net charge-offs (x) | 22.6811% | 954 |
| Efficiency ratio | 62.9460% | 5,980 |
| Assets per employee ($millions) | 2.7871% | 6,677 |
| Cash dividends to net income (ytd only)* | 27.5335% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1781% | 5,485 |
| Loan loss allowance to noncurrent loans | 119.7360% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.9535% | 5,201 |
| Noncurrent loans to loans | 0.9839% | 5,352 |
| Net loans and leases to total assets | 65.8993% | 4,177 |
| Net loans and leases to deposits | 80.2020% | 3,953 |
| Net loans and leases to core deposits | 90.6683% | 5,056 |
| Total domestic deposits to total assets | 82.1667% | 4,878 |
| Equity capital to assets | 9.9732% | 3,797 |
| Core capital (leverage) ratio | 8.8929% | 4,601 |
| Tier 1 risk-based capital ratio | 11.8050% | 5,110 |
| Total risk-based capital ratio | 12.8283% | 5,273 |
| Memoranda: | ||
| Average total assets | $242,472,800 | 2,688 |
| Average earning assets | $216,281,600 | 2,753 |
| Average equity | $23,218,200 | 2,807 |
| Average total loans | $163,425,600 | 2,713 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0545% | 1,818 |
| Cost of funding earning assets | 1.9249% | 3,747 |
| Net interest margin | 4.1296% | 2,287 |
| Noninterest income to average assets | 0.9502% | 1,779 |
| Noninterest expense to average assets | 2.9276% | 4,326 |
| Loan and lease loss provision to assets | 0.1485% | 5,875 |
| Net operating income to assets | 1.1889% | 1,495 |
| Return on assets (ROA) | 1.1982% | 1,529 |
| Pretax return on assets | 1.5611% | 1,260 |
| Return on Equity (ROE) | 12.6442% | 1,192 |
| Retained earnings to average equity (ytd only) | 9.6326% | 699 |
| Net charge-offs to loans | 0.1050% | 5,622 |
| Credit loss provision to net charge-offs | 209.3023% | 2,105 |
| Earnings coverage of net charge-offs (x) | 23.9297% | 1,101 |
| Efficiency ratio | 63.2981% | 5,873 |
| Assets per employee ($millions) | 2.8423% | 6,555 |
| Cash dividends to net income (ytd only)* | 23.8182% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 5,766 |
| Loan loss allowance to noncurrent loans | 106.8154% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.7049% | 5,721 |
| Noncurrent loans to loans | 1.0240% | 5,259 |
| Net loans and leases to total assets | 65.5165% | 4,533 |
| Net loans and leases to deposits | 80.8904% | 4,223 |
| Net loans and leases to core deposits | 92.3761% | 5,199 |
| Total domestic deposits to total assets | 80.9942% | 5,082 |
| Equity capital to assets | 9.9629% | 4,134 |
| Core capital (leverage) ratio | 9.0124% | 4,630 |
| Tier 1 risk-based capital ratio | 11.6610% | 5,285 |
| Total risk-based capital ratio | 12.6109% | 5,517 |
| Memoranda: | ||
| Average total assets | $242,471,250 | 2,708 |
| Average earning assets | $215,768,000 | 2,775 |
| Average equity | $22,977,000 | 2,856 |
| Average total loans | $163,857,750 | 2,729 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1181% | 1,735 |
| Cost of funding earning assets | 1.9994% | 3,779 |
| Net interest margin | 4.1187% | 2,258 |
| Noninterest income to average assets | 0.9768% | 1,669 |
| Noninterest expense to average assets | 2.8617% | 4,678 |
| Loan and lease loss provision to assets | 0.1489% | 5,590 |
| Net operating income to assets | 1.2552% | 1,344 |
| Return on assets (ROA) | 1.2596% | 1,408 |
| Pretax return on assets | 1.6641% | 1,082 |
| Return on Equity (ROE) | 13.5268% | 1,063 |
| Retained earnings to average equity (ytd only) | 10.7290% | 605 |
| Net charge-offs to loans | 0.1289% | 4,882 |
| Credit loss provision to net charge-offs | 169.8113% | 2,713 |
| Earnings coverage of net charge-offs (x) | 20.6132% | 1,309 |
| Efficiency ratio | 61.2932% | 6,350 |
| Assets per employee ($millions) | 2.6791% | 6,879 |
| Cash dividends to net income (ytd only)* | 20.6829% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 5,973 |
| Loan loss allowance to noncurrent loans | 514.8036% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.1747% | 7,112 |
| Noncurrent loans to loans | 0.2018% | 7,011 |
| Net loans and leases to total assets | 66.5664% | 4,447 |
| Net loans and leases to deposits | 83.1710% | 4,017 |
| Net loans and leases to core deposits | 97.2245% | 4,763 |
| Total domestic deposits to total assets | 80.0357% | 5,465 |
| Equity capital to assets | 9.4098% | 4,732 |
| Core capital (leverage) ratio | 8.7360% | 5,031 |
| Tier 1 risk-based capital ratio | 11.3789% | 5,520 |
| Total risk-based capital ratio | 12.2897% | 5,758 |
| Memoranda: | ||
| Average total assets | $241,816,330 | 2,734 |
| Average earning assets | $216,766,670 | 2,785 |
| Average equity | $22,518,330 | 2,913 |
| Average total loans | $164,504,670 | 2,746 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0796% | 2,024 |
| Cost of funding earning assets | 2.0938% | 3,688 |
| Net interest margin | 3.9859% | 2,703 |
| Noninterest income to average assets | 0.7026% | 2,875 |
| Noninterest expense to average assets | 2.5944% | 5,472 |
| Loan and lease loss provision to assets | 0.1495% | 5,015 |
| Net operating income to assets | 1.1933% | 1,674 |
| Return on assets (ROA) | 1.2009% | 1,764 |
| Pretax return on assets | 1.5796% | 1,459 |
| Return on Equity (ROE) | 12.9645% | 1,399 |
| Retained earnings to average equity (ytd only) | 11.0100% | 968 |
| Net charge-offs to loans | -0.0024% | 7,122 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1463% | 6,385 |
| Assets per employee ($millions) | 2.8374% | 6,558 |
| Cash dividends to net income (ytd only)* | 15.0761% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0380% | 5,878 |
| Loan loss allowance to noncurrent loans | 478.0556% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 7,100 |
| Noncurrent loans to loans | 0.2171% | 6,909 |
| Net loans and leases to total assets | 66.4707% | 4,474 |
| Net loans and leases to deposits | 82.6429% | 4,186 |
| Net loans and leases to core deposits | 94.8605% | 5,077 |
| Total domestic deposits to total assets | 80.4313% | 5,196 |
| Equity capital to assets | 9.1232% | 5,195 |
| Core capital (leverage) ratio | 8.6839% | 5,177 |
| Tier 1 risk-based capital ratio | 10.9649% | 5,932 |
| Total risk-based capital ratio | 11.8767% | 6,186 |
| Memoranda: | ||
| Average total assets | $240,824,500 | 2,760 |
| Average earning assets | $218,171,000 | 2,783 |
| Average equity | $22,307,000 | 2,945 |
| Average total loans | $164,760,500 | 2,772 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4255% | 3,295 |
| Cost of funding earning assets | 2.5432% | 3,987 |
| Net interest margin | 3.8823% | 3,649 |
| Noninterest income to average assets | 0.5247% | 4,426 |
| Noninterest expense to average assets | 2.8825% | 4,509 |
| Loan and lease loss provision to assets | 0.1276% | 5,732 |
| Net operating income to assets | 0.8830% | 3,078 |
| Return on assets (ROA) | 0.8834% | 2,917 |
| Pretax return on assets | 1.0801% | 3,099 |
| Return on Equity (ROE) | 9.3896% | 2,479 |
| Retained earnings to average equity (ytd only) | 5.4691% | 1,777 |
| Net charge-offs to loans | 0.1743% | 4,455 |
| Credit loss provision to net charge-offs | 106.6176% | 5,033 |
| Earnings coverage of net charge-offs (x) | 10.0846% | 2,577 |
| Efficiency ratio | 70.4800% | 4,251 |
| Assets per employee ($millions) | 2.6988% | 6,786 |
| Cash dividends to net income (ytd only)* | 41.7539% | 3,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9956% | 6,101 |
| Loan loss allowance to noncurrent loans | 615.0943% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 7,049 |
| Noncurrent loans to loans | 0.1619% | 6,920 |
| Net loans and leases to total assets | 69.0323% | 4,250 |
| Net loans and leases to deposits | 86.7860% | 3,994 |
| Net loans and leases to core deposits | 97.6086% | 5,087 |
| Total domestic deposits to total assets | 79.5431% | 5,186 |
| Equity capital to assets | 9.4094% | 4,810 |
| Core capital (leverage) ratio | 8.7444% | 5,122 |
| Tier 1 risk-based capital ratio | 10.9651% | 5,756 |
| Total risk-based capital ratio | 11.8551% | 5,999 |
| Memoranda: | ||
| Average total assets | $227,196,400 | 2,804 |
| Average earning assets | $208,637,000 | 2,791 |
| Average equity | $21,374,800 | 3,058 |
| Average total loans | $156,078,600 | 2,833 |