Home > Regal Bank > Performance and Condition Ratios
Regal Bank, Performance and Condition Ratios
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3640% | 2,974 |
| Cost of funding earning assets | 0.8287% | 3,135 |
| Net interest margin | 3.5352% | 2,191 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 2.4743% | 2,278 |
| Loan and lease loss provision to assets | -0.6500% | 4,639 |
| Net operating income to assets | 1.3530% | 1,446 |
| Return on assets (ROA) | 1.3530% | 1,429 |
| Pretax return on assets | 1.6079% | 1,398 |
| Return on Equity (ROE) | 10.7900% | 2,480 |
| Retained earnings to average equity (ytd only) | 10.7882% | 1,225 |
| 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 | 71.9006% | 1,569 |
| Assets per employee ($millions) | 7.2042% | 1,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1963% | 2,462 |
| Loan loss allowance to noncurrent loans | 1,205.9172% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.0733% | 3,038 |
| Noncurrent loans to loans | 0.0992% | 2,995 |
| Net loans and leases to total assets | 73.0100% | 1,409 |
| Net loans and leases to deposits | 86.5043% | 1,460 |
| Net loans and leases to core deposits | 96.6906% | 1,427 |
| Total domestic deposits to total assets | 84.4000% | 2,722 |
| Equity capital to assets | 13.1077% | 788 |
| Core capital (leverage) ratio | 13.3522% | 919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $475,531,000 | 1,785 |
| Average earning assets | $447,438,000 | 1,765 |
| Average equity | $59,639,333 | 1,393 |
| Average total loans | $344,302,667 | 1,619 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2347% | 2,964 |
| Cost of funding earning assets | 0.7576% | 2,878 |
| Net interest margin | 3.4771% | 2,430 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 2.5926% | 1,972 |
| Loan and lease loss provision to assets | -1.2700% | 4,670 |
| Net operating income to assets | 1.7980% | 675 |
| Return on assets (ROA) | 1.7980% | 665 |
| Pretax return on assets | 2.0615% | 696 |
| Return on Equity (ROE) | 14.6500% | 1,636 |
| Retained earnings to average equity (ytd only) | 14.6520% | 852 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.5556% | 1,122 |
| Assets per employee ($millions) | 7.2860% | 1,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 2,699 |
| Loan loss allowance to noncurrent loans | 764.7280% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.1125% | 2,736 |
| Noncurrent loans to loans | 0.1535% | 2,723 |
| Net loans and leases to total assets | 72.4800% | 1,375 |
| Net loans and leases to deposits | 85.3864% | 1,397 |
| Net loans and leases to core deposits | 94.6387% | 1,352 |
| Total domestic deposits to total assets | 84.8800% | 2,884 |
| Equity capital to assets | 12.7088% | 824 |
| Core capital (leverage) ratio | 12.4325% | 1,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $482,761,000 | 1,782 |
| Average earning assets | $455,662,500 | 1,759 |
| Average equity | $59,241,000 | 1,408 |
| Average total loans | $346,098,000 | 1,630 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5739% | 2,873 |
| Cost of funding earning assets | 0.2906% | 2,956 |
| Net interest margin | 3.2833% | 2,612 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 2.2525% | 2,886 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6877% | 3,649 |
| Return on assets (ROA) | 0.6877% | 3,599 |
| Pretax return on assets | 1.0010% | 3,073 |
| Return on Equity (ROE) | 6.3600% | 3,758 |
| Retained earnings to average equity (ytd only) | 5.0510% | 3,029 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.1230% | 1,809 |
| Assets per employee ($millions) | 7.4536% | 1,649 |
| Cash dividends to net income (ytd only)* | 20.6214% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6270% | 926 |
| Loan loss allowance to noncurrent loans | 1,052.7205% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.1083% | 2,769 |
| Noncurrent loans to loans | 0.1546% | 2,723 |
| Net loans and leases to total assets | 68.9600% | 1,733 |
| Net loans and leases to deposits | 79.6050% | 1,803 |
| Net loans and leases to core deposits | 87.6702% | 1,633 |
| Total domestic deposits to total assets | 86.6300% | 2,521 |
| Equity capital to assets | 11.8501% | 973 |
| Core capital (leverage) ratio | 11.7816% | 1,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $528,889,000 | 1,662 |
| Average earning assets | $501,044,400 | 1,621 |
| Average equity | $57,156,800 | 1,458 |
| Average total loans | $348,737,800 | 1,550 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3845% | 2,956 |
| Cost of funding earning assets | 0.2296% | 2,935 |
| Net interest margin | 3.1549% | 2,762 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 2.1033% | 3,199 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7032% | 3,561 |
| Return on assets (ROA) | 0.7032% | 3,514 |
| Pretax return on assets | 0.9933% | 3,033 |
| Return on Equity (ROE) | 6.6500% | 3,665 |
| Retained earnings to average equity (ytd only) | 5.7508% | 2,837 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.8028% | 2,054 |
| Assets per employee ($millions) | 7.5533% | 1,580 |
| Cash dividends to net income (ytd only)* | 13.5659% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6428% | 984 |
| Loan loss allowance to noncurrent loans | 493.9261% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.2279% | 2,093 |
| Noncurrent loans to loans | 0.3326% | 2,036 |
| Net loans and leases to total assets | 67.3900% | 1,740 |
| Net loans and leases to deposits | 77.3791% | 1,767 |
| Net loans and leases to core deposits | 84.9784% | 1,587 |
| Total domestic deposits to total assets | 87.0900% | 2,732 |
| Equity capital to assets | 11.5956% | 973 |
| Core capital (leverage) ratio | 11.2765% | 1,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $538,127,500 | 1,649 |
| Average earning assets | $510,436,500 | 1,619 |
| Average equity | $56,872,250 | 1,477 |
| Average total loans | $349,704,500 | 1,536 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2060% | 3,023 |
| Cost of funding earning assets | 0.2235% | 2,603 |
| Net interest margin | 2.9824% | 2,931 |
| Noninterest income to average assets | 0.1665% | 4,178 |
| Noninterest expense to average assets | 2.1047% | 3,134 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6319% | 3,535 |
| Return on assets (ROA) | 0.6319% | 3,483 |
| Pretax return on assets | 0.8978% | 3,074 |
| Return on Equity (ROE) | 6.1597% | 3,537 |
| Retained earnings to average equity (ytd only) | 5.1944% | 2,639 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9770% | 1,961 |
| Assets per employee ($millions) | 7.6748% | 1,498 |
| Cash dividends to net income (ytd only)* | 15.6716% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6296% | 1,089 |
| Loan loss allowance to noncurrent loans | 2,877.4359% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 3,619 |
| Noncurrent loans to loans | 0.0566% | 3,532 |
| Net loans and leases to total assets | 63.0465% | 2,009 |
| Net loans and leases to deposits | 71.4756% | 2,073 |
| Net loans and leases to core deposits | 76.9675% | 1,924 |
| Total domestic deposits to total assets | 88.2070% | 2,496 |
| Equity capital to assets | 10.6160% | 1,385 |
| Core capital (leverage) ratio | 10.8453% | 1,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $551,331,333 | 1,622 |
| Average earning assets | $524,272,333 | 1,600 |
| Average equity | $56,561,000 | 1,513 |
| Average total loans | $352,420,333 | 1,525 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2739% | 2,463 |
| Cost of funding earning assets | 0.2497% | 2,167 |
| Net interest margin | 3.0242% | 2,425 |
| Noninterest income to average assets | 0.1891% | 4,028 |
| Noninterest expense to average assets | 2.1985% | 2,842 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6146% | 3,350 |
| Return on assets (ROA) | 0.6146% | 3,333 |
| Pretax return on assets | 0.8625% | 2,904 |
| Return on Equity (ROE) | 6.0932% | 3,323 |
| Retained earnings to average equity (ytd only) | 6.0932% | 2,218 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7061% | 2,015 |
| Assets per employee ($millions) | 7.5568% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5971% | 1,278 |
| Loan loss allowance to noncurrent loans | 2,791.5423% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 3,665 |
| Noncurrent loans to loans | 0.0572% | 3,574 |
| Net loans and leases to total assets | 63.5395% | 1,677 |
| Net loans and leases to deposits | 71.9174% | 1,782 |
| Net loans and leases to core deposits | 78.3207% | 1,589 |
| Total domestic deposits to total assets | 88.3506% | 2,361 |
| Equity capital to assets | 10.4027% | 1,631 |
| Core capital (leverage) ratio | 10.1169% | 2,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $558,379,500 | 1,605 |
| Average earning assets | $530,253,500 | 1,589 |
| Average equity | $56,325,000 | 1,562 |
| Average total loans | $356,471,000 | 1,504 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2976% | 3,224 |
| Cost of funding earning assets | 0.4750% | 1,034 |
| Net interest margin | 2.8226% | 3,614 |
| Noninterest income to average assets | 0.1693% | 4,312 |
| Noninterest expense to average assets | 2.0118% | 3,642 |
| Loan and lease loss provision to assets | 0.0099% | 2,881 |
| Net operating income to assets | 0.5992% | 3,878 |
| Return on assets (ROA) | 0.5992% | 3,921 |
| Pretax return on assets | 0.8336% | 3,657 |
| Return on Equity (ROE) | 6.2588% | 3,713 |
| Retained earnings to average equity (ytd only) | 4.9371% | 2,803 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3178% | 1,700 |
| Assets per employee ($millions) | 7.9538% | 1,355 |
| Cash dividends to net income (ytd only)* | 21.1186% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5585% | 1,366 |
| Loan loss allowance to noncurrent loans | 2,429.3103% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 3,721 |
| Noncurrent loans to loans | 0.0642% | 3,624 |
| Net loans and leases to total assets | 62.1621% | 1,916 |
| Net loans and leases to deposits | 69.8314% | 2,149 |
| Net loans and leases to core deposits | 76.3987% | 1,886 |
| Total domestic deposits to total assets | 89.0174% | 1,506 |
| Equity capital to assets | 9.7875% | 2,865 |
| Core capital (leverage) ratio | 9.6252% | 2,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $572,966,400 | 1,504 |
| Average earning assets | $545,247,400 | 1,480 |
| Average equity | $54,850,400 | 1,636 |
| Average total loans | $378,468,200 | 1,434 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3294% | 3,310 |
| Cost of funding earning assets | 0.5183% | 963 |
| Net interest margin | 2.8111% | 3,755 |
| Noninterest income to average assets | 0.1417% | 4,491 |
| Noninterest expense to average assets | 2.0731% | 3,446 |
| Loan and lease loss provision to assets | 0.0105% | 2,783 |
| Net operating income to assets | 0.5058% | 4,189 |
| Return on assets (ROA) | 0.5058% | 4,233 |
| Pretax return on assets | 0.7334% | 4,007 |
| Return on Equity (ROE) | 5.3136% | 4,059 |
| Retained earnings to average equity (ytd only) | 5.3136% | 3,096 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4451% | 1,265 |
| Assets per employee ($millions) | 8.1266% | 1,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5394% | 1,490 |
| Loan loss allowance to noncurrent loans | 546.5500% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 2,943 |
| Noncurrent loans to loans | 0.2817% | 2,788 |
| Net loans and leases to total assets | 61.4781% | 2,080 |
| Net loans and leases to deposits | 68.9319% | 2,341 |
| Net loans and leases to core deposits | 75.7191% | 2,076 |
| Total domestic deposits to total assets | 89.1867% | 1,175 |
| Equity capital to assets | 9.5024% | 3,367 |
| Core capital (leverage) ratio | 9.5015% | 3,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $573,040,000 | 1,526 |
| Average earning assets | $545,353,250 | 1,504 |
| Average equity | $54,550,500 | 1,665 |
| Average total loans | $382,680,000 | 1,453 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4453% | 3,038 |
| Cost of funding earning assets | 0.5725% | 858 |
| Net interest margin | 2.8728% | 3,634 |
| Noninterest income to average assets | 0.0974% | 4,699 |
| Noninterest expense to average assets | 2.1476% | 3,250 |
| Loan and lease loss provision to assets | 0.0158% | 2,635 |
| Net operating income to assets | 0.4538% | 4,295 |
| Return on assets (ROA) | 0.4538% | 4,337 |
| Pretax return on assets | 0.6713% | 4,124 |
| Return on Equity (ROE) | 4.7638% | 4,177 |
| Retained earnings to average equity (ytd only) | 4.7638% | 3,275 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6107% | 1,121 |
| Assets per employee ($millions) | 7.7673% | 1,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4934% | 1,611 |
| Loan loss allowance to noncurrent loans | 541.8112% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.1806% | 3,059 |
| Noncurrent loans to loans | 0.2756% | 2,954 |
| Net loans and leases to total assets | 64.5391% | 1,886 |
| Net loans and leases to deposits | 72.8483% | 2,129 |
| Net loans and leases to core deposits | 80.9154% | 1,811 |
| Total domestic deposits to total assets | 88.5938% | 1,514 |
| Equity capital to assets | 9.5269% | 3,311 |
| Core capital (leverage) ratio | 9.3792% | 3,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $569,015,333 | 1,527 |
| Average earning assets | $542,184,333 | 1,502 |
| Average equity | $54,200,667 | 1,661 |
| Average total loans | $388,459,667 | 1,442 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4347% | 3,107 |
| Cost of funding earning assets | 0.6358% | 742 |
| Net interest margin | 2.7989% | 3,767 |
| Noninterest income to average assets | 0.0968% | 4,700 |
| Noninterest expense to average assets | 2.0419% | 3,583 |
| Loan and lease loss provision to assets | 0.0155% | 2,572 |
| Net operating income to assets | 0.5327% | 4,113 |
| Return on assets (ROA) | 0.5327% | 4,151 |
| Pretax return on assets | 0.7143% | 3,989 |
| Return on Equity (ROE) | 5.5933% | 3,972 |
| Retained earnings to average equity (ytd only) | 5.5933% | 3,034 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5152% | 1,352 |
| Assets per employee ($millions) | 7.7100% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4161% | 1,887 |
| Loan loss allowance to noncurrent loans | 509.6451% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.1926% | 3,207 |
| Noncurrent loans to loans | 0.2779% | 3,104 |
| Net loans and leases to total assets | 68.3434% | 1,485 |
| Net loans and leases to deposits | 77.2471% | 1,779 |
| Net loans and leases to core deposits | 86.0291% | 1,518 |
| Total domestic deposits to total assets | 88.4737% | 1,620 |
| Equity capital to assets | 9.5110% | 3,195 |
| Core capital (leverage) ratio | 9.4541% | 3,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $566,132,000 | 1,524 |
| Average earning assets | $541,069,500 | 1,496 |
| Average equity | $53,921,500 | 1,654 |
| Average total loans | $394,398,000 | 1,435 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8837% | 3,073 |
| Cost of funding earning assets | 1.0078% | 579 |
| Net interest margin | 2.8759% | 4,150 |
| Noninterest income to average assets | 0.1258% | 4,646 |
| Noninterest expense to average assets | 2.3312% | 3,325 |
| Loan and lease loss provision to assets | 0.0167% | 4,169 |
| Net operating income to assets | 0.3871% | 4,274 |
| Return on assets (ROA) | 0.3871% | 4,354 |
| Pretax return on assets | 0.5220% | 4,232 |
| Return on Equity (ROE) | 3.9630% | 4,167 |
| Retained earnings to average equity (ytd only) | 2.5041% | 3,601 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0551% | 810 |
| Assets per employee ($millions) | 7.5909% | 1,226 |
| Cash dividends to net income (ytd only)* | 36.8119% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4186% | 1,895 |
| Loan loss allowance to noncurrent loans | 452.4736% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.2195% | 3,192 |
| Noncurrent loans to loans | 0.3135% | 3,077 |
| Net loans and leases to total assets | 69.0178% | 1,685 |
| Net loans and leases to deposits | 78.0854% | 2,061 |
| Net loans and leases to core deposits | 87.0689% | 1,789 |
| Total domestic deposits to total assets | 88.3876% | 1,283 |
| Equity capital to assets | 9.5383% | 3,572 |
| Core capital (leverage) ratio | 9.4377% | 3,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $539,643,200 | 1,455 |
| Average earning assets | $514,896,800 | 1,421 |
| Average equity | $52,712,600 | 1,606 |
| Average total loans | $412,233,800 | 1,317 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8796% | 3,323 |
| Cost of funding earning assets | 1.0303% | 688 |
| Net interest margin | 2.8494% | 4,267 |
| Noninterest income to average assets | 0.1363% | 4,614 |
| Noninterest expense to average assets | 2.3652% | 3,236 |
| Loan and lease loss provision to assets | 0.0170% | 4,117 |
| Net operating income to assets | 0.3517% | 4,352 |
| Return on assets (ROA) | 0.3517% | 4,411 |
| Pretax return on assets | 0.4693% | 4,346 |
| Return on Equity (ROE) | 3.5786% | 4,275 |
| Retained earnings to average equity (ytd only) | 2.5424% | 3,715 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7716% | 690 |
| Assets per employee ($millions) | 6.9621% | 1,531 |
| Cash dividends to net income (ytd only)* | 28.9567% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3270% | 2,053 |
| Loan loss allowance to noncurrent loans | 525.2363% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 3,472 |
| Noncurrent loans to loans | 0.2527% | 3,400 |
| Net loans and leases to total assets | 75.1268% | 1,223 |
| Net loans and leases to deposits | 87.6195% | 1,529 |
| Net loans and leases to core deposits | 97.9799% | 1,309 |
| Total domestic deposits to total assets | 85.7422% | 2,167 |
| Equity capital to assets | 9.6879% | 3,528 |
| Core capital (leverage) ratio | 9.5369% | 3,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $534,122,500 | 1,451 |
| Average earning assets | $508,968,250 | 1,419 |
| Average equity | $52,496,000 | 1,604 |
| Average total loans | $416,974,750 | 1,301 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9498% | 3,463 |
| Cost of funding earning assets | 1.1013% | 711 |
| Net interest margin | 2.8485% | 4,388 |
| Noninterest income to average assets | 0.1486% | 4,565 |
| Noninterest expense to average assets | 2.3959% | 3,271 |
| Loan and lease loss provision to assets | 0.0170% | 4,022 |
| Net operating income to assets | 0.3264% | 4,368 |
| Return on assets (ROA) | 0.3264% | 4,423 |
| Pretax return on assets | 0.4444% | 4,343 |
| Return on Equity (ROE) | 3.3044% | 4,286 |
| Retained earnings to average equity (ytd only) | 1.9183% | 3,793 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6664% | 658 |
| Assets per employee ($millions) | 6.8196% | 1,549 |
| Cash dividends to net income (ytd only)* | 41.9467% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 2,008 |
| Loan loss allowance to noncurrent loans | 2,325.2101% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0436% | 4,313 |
| Noncurrent loans to loans | 0.0559% | 4,256 |
| Net loans and leases to total assets | 77.0898% | 986 |
| Net loans and leases to deposits | 90.8775% | 1,277 |
| Net loans and leases to core deposits | 101.9309% | 1,120 |
| Total domestic deposits to total assets | 84.8282% | 2,458 |
| Equity capital to assets | 9.6709% | 3,507 |
| Core capital (leverage) ratio | 9.4829% | 3,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $528,828,000 | 1,438 |
| Average earning assets | $502,864,333 | 1,413 |
| Average equity | $52,233,333 | 1,601 |
| Average total loans | $416,380,000 | 1,284 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0264% | 3,716 |
| Cost of funding earning assets | 1.2115% | 743 |
| Net interest margin | 2.8149% | 4,553 |
| Noninterest income to average assets | 0.1998% | 4,358 |
| Noninterest expense to average assets | 2.4970% | 3,278 |
| Loan and lease loss provision to assets | 0.0177% | 3,575 |
| Net operating income to assets | 0.2598% | 4,432 |
| Return on assets (ROA) | 0.2598% | 4,455 |
| Pretax return on assets | 0.3512% | 4,378 |
| Return on Equity (ROE) | 2.6015% | 4,312 |
| Retained earnings to average equity (ytd only) | 2.6015% | 3,228 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9402% | 642 |
| Assets per employee ($millions) | 6.3788% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 1,981 |
| Loan loss allowance to noncurrent loans | 542.4213% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.1919% | 3,729 |
| Noncurrent loans to loans | 0.2462% | 3,601 |
| Net loans and leases to total assets | 76.9175% | 1,148 |
| Net loans and leases to deposits | 92.8922% | 1,192 |
| Net loans and leases to core deposits | 105.8125% | 1,071 |
| Total domestic deposits to total assets | 82.8030% | 3,169 |
| Equity capital to assets | 9.8102% | 3,952 |
| Core capital (leverage) ratio | 9.8558% | 3,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4857% | 1,476 |
| Memoranda: | ||
| Average total assets | $520,460,000 | 1,414 |
| Average earning assets | $492,943,500 | 1,398 |
| Average equity | $51,969,500 | 1,601 |
| Average total loans | $411,516,000 | 1,267 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1737% | 3,873 |
| Cost of funding earning assets | 1.2586% | 865 |
| Net interest margin | 2.9151% | 4,639 |
| Noninterest income to average assets | 0.1405% | 4,774 |
| Noninterest expense to average assets | 2.4862% | 3,492 |
| Loan and lease loss provision to assets | 0.0346% | 3,320 |
| Net operating income to assets | 0.2958% | 4,753 |
| Return on assets (ROA) | 0.2963% | 4,785 |
| Pretax return on assets | 0.3945% | 4,718 |
| Return on Equity (ROE) | 3.0202% | 4,661 |
| Retained earnings to average equity (ytd only) | 2.2563% | 3,885 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0956% | 598 |
| Assets per employee ($millions) | 6.0174% | 1,624 |
| Cash dividends to net income (ytd only)* | 25.2918% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3378% | 1,758 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 79.1428% | 908 |
| Net loans and leases to deposits | 96.2654% | 914 |
| Net loans and leases to core deposits | 109.9003% | 856 |
| Total domestic deposits to total assets | 82.2132% | 3,451 |
| Equity capital to assets | 10.1666% | 3,765 |
| Core capital (leverage) ratio | 9.8034% | 3,730 |
| Tier 1 risk-based capital ratio | 14.0598% | 3,238 |
| Total risk-based capital ratio | 15.3133% | 3,146 |
| Memoranda: | ||
| Average total assets | $520,464,200 | 1,373 |
| Average earning assets | $495,313,400 | 1,341 |
| Average equity | $51,056,600 | 1,566 |
| Average total loans | $417,280,000 | 1,222 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1388% | 4,067 |
| Cost of funding earning assets | 1.2494% | 913 |
| Net interest margin | 2.8895% | 4,769 |
| Noninterest income to average assets | 0.1405% | 4,834 |
| Noninterest expense to average assets | 2.4931% | 3,456 |
| Loan and lease loss provision to assets | 0.0344% | 3,211 |
| Net operating income to assets | 0.2726% | 4,873 |
| Return on assets (ROA) | 0.2722% | 4,888 |
| Pretax return on assets | 0.3663% | 4,842 |
| Return on Equity (ROE) | 2.7993% | 4,799 |
| Retained earnings to average equity (ytd only) | 2.2274% | 4,192 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9346% | 508 |
| Assets per employee ($millions) | 6.2341% | 1,440 |
| Cash dividends to net income (ytd only)* | 20.4312% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 1,902 |
| Loan loss allowance to noncurrent loans | 1,337.5921% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 4,329 |
| Noncurrent loans to loans | 0.0983% | 4,205 |
| Net loans and leases to total assets | 77.9901% | 1,146 |
| Net loans and leases to deposits | 94.4167% | 1,187 |
| Net loans and leases to core deposits | 108.4603% | 1,022 |
| Total domestic deposits to total assets | 82.6020% | 3,279 |
| Equity capital to assets | 9.8651% | 4,147 |
| Core capital (leverage) ratio | 9.6386% | 4,038 |
| Tier 1 risk-based capital ratio | 14.9917% | 2,853 |
| Total risk-based capital ratio | 16.2464% | 2,784 |
| Memoranda: | ||
| Average total assets | $522,710,500 | 1,373 |
| Average earning assets | $498,162,500 | 1,341 |
| Average equity | $50,820,750 | 1,577 |
| Average total loans | $419,028,000 | 1,227 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0749% | 4,221 |
| Cost of funding earning assets | 1.2301% | 918 |
| Net interest margin | 2.8449% | 4,879 |
| Noninterest income to average assets | 0.1321% | 4,915 |
| Noninterest expense to average assets | 2.4908% | 3,510 |
| Loan and lease loss provision to assets | 0.0345% | 3,138 |
| Net operating income to assets | 0.2332% | 4,960 |
| Return on assets (ROA) | 0.2332% | 4,973 |
| Pretax return on assets | 0.3189% | 4,914 |
| Return on Equity (ROE) | 2.4099% | 4,887 |
| Retained earnings to average equity (ytd only) | 1.5591% | 4,269 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3603% | 471 |
| Assets per employee ($millions) | 6.2168% | 1,392 |
| Cash dividends to net income (ytd only)* | 35.3038% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2791% | 2,106 |
| Loan loss allowance to noncurrent loans | 763.6492% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.1354% | 4,083 |
| Noncurrent loans to loans | 0.1675% | 3,952 |
| Net loans and leases to total assets | 79.7975% | 914 |
| Net loans and leases to deposits | 95.3083% | 1,114 |
| Net loans and leases to core deposits | 110.0094% | 976 |
| Total domestic deposits to total assets | 83.7256% | 2,974 |
| Equity capital to assets | 9.7859% | 4,148 |
| Core capital (leverage) ratio | 9.5643% | 4,087 |
| Tier 1 risk-based capital ratio | 14.6796% | 2,978 |
| Total risk-based capital ratio | 15.9337% | 2,904 |
| Memoranda: | ||
| Average total assets | $522,392,670 | 1,373 |
| Average earning assets | $498,021,000 | 1,338 |
| Average equity | $50,541,000 | 1,576 |
| Average total loans | $420,754,000 | 1,227 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0712% | 4,208 |
| Cost of funding earning assets | 1.1984% | 905 |
| Net interest margin | 2.8728% | 4,911 |
| Noninterest income to average assets | 0.1279% | 4,965 |
| Noninterest expense to average assets | 2.4682% | 3,589 |
| Loan and lease loss provision to assets | 0.0345% | 2,939 |
| Net operating income to assets | 0.2611% | 4,947 |
| Return on assets (ROA) | 0.2611% | 4,954 |
| Pretax return on assets | 0.3598% | 4,890 |
| Return on Equity (ROE) | 2.7139% | 4,850 |
| Retained earnings to average equity (ytd only) | 2.7139% | 3,854 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0123% | 580 |
| Assets per employee ($millions) | 6.0305% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2696% | 2,229 |
| Loan loss allowance to noncurrent loans | 741.5512% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 4,113 |
| Noncurrent loans to loans | 0.1712% | 3,981 |
| Net loans and leases to total assets | 79.3575% | 928 |
| Net loans and leases to deposits | 95.2051% | 1,042 |
| Net loans and leases to core deposits | 108.4358% | 1,031 |
| Total domestic deposits to total assets | 83.3543% | 3,272 |
| Equity capital to assets | 9.6601% | 4,122 |
| Core capital (leverage) ratio | 9.6339% | 3,990 |
| Tier 1 risk-based capital ratio | 14.1833% | 3,252 |
| Total risk-based capital ratio | 15.4367% | 3,171 |
| Memoranda: | ||
| Average total assets | $522,485,000 | 1,380 |
| Average earning assets | $497,348,500 | 1,345 |
| Average equity | $50,260,000 | 1,569 |
| Average total loans | $420,077,000 | 1,233 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0859% | 3,779 |
| Cost of funding earning assets | 0.9567% | 902 |
| Net interest margin | 3.1293% | 4,610 |
| Noninterest income to average assets | 0.1821% | 4,815 |
| Noninterest expense to average assets | 2.6437% | 3,199 |
| Loan and lease loss provision to assets | 0.0676% | 2,792 |
| Net operating income to assets | 0.3637% | 4,915 |
| Return on assets (ROA) | 0.3634% | 4,909 |
| Pretax return on assets | 0.4588% | 4,861 |
| Return on Equity (ROE) | 3.8188% | 4,752 |
| Retained earnings to average equity (ytd only) | 2.4796% | 4,148 |
| Net charge-offs to loans | -0.0005% | 4,159 |
| Credit loss provision to net charge-offs | -17,500.0000% | 4,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1709% | 700 |
| Assets per employee ($millions) | 6.0502% | 1,484 |
| Cash dividends to net income (ytd only)* | 35.0691% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 2,204 |
| Loan loss allowance to noncurrent loans | 733.2873% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.1391% | 4,125 |
| Noncurrent loans to loans | 0.1730% | 3,974 |
| Net loans and leases to total assets | 79.4015% | 1,039 |
| Net loans and leases to deposits | 94.5864% | 1,216 |
| Net loans and leases to core deposits | 107.0541% | 1,188 |
| Total domestic deposits to total assets | 83.9460% | 3,016 |
| Equity capital to assets | 9.5784% | 4,065 |
| Core capital (leverage) ratio | 9.6439% | 3,955 |
| Tier 1 risk-based capital ratio | 14.0759% | 3,259 |
| Total risk-based capital ratio | 15.3292% | 3,187 |
| Memoranda: | ||
| Average total assets | $517,838,000 | 1,362 |
| Average earning assets | $494,524,600 | 1,327 |
| Average equity | $49,282,400 | 1,532 |
| Average total loans | $411,960,800 | 1,222 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0620% | 3,750 |
| Cost of funding earning assets | 0.9057% | 895 |
| Net interest margin | 3.1562% | 4,603 |
| Noninterest income to average assets | 0.1851% | 4,860 |
| Noninterest expense to average assets | 2.6719% | 3,058 |
| Loan and lease loss provision to assets | 0.0812% | 2,331 |
| Net operating income to assets | 0.3714% | 4,996 |
| Return on assets (ROA) | 0.3710% | 4,994 |
| Pretax return on assets | 0.4462% | 4,975 |
| Return on Equity (ROE) | 3.9041% | 4,836 |
| Retained earnings to average equity (ytd only) | 3.1173% | 4,190 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2917% | 684 |
| Assets per employee ($millions) | 5.7670% | 1,672 |
| Cash dividends to net income (ytd only)* | 20.1530% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 2,280 |
| Loan loss allowance to noncurrent loans | 424.8993% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.2453% | 3,729 |
| Noncurrent loans to loans | 0.2979% | 3,607 |
| Net loans and leases to total assets | 80.1465% | 997 |
| Net loans and leases to deposits | 92.9325% | 1,509 |
| Net loans and leases to core deposits | 105.2443% | 1,357 |
| Total domestic deposits to total assets | 86.2416% | 2,082 |
| Equity capital to assets | 9.6540% | 3,953 |
| Core capital (leverage) ratio | 9.5353% | 4,132 |
| Tier 1 risk-based capital ratio | 13.9492% | 3,399 |
| Total risk-based capital ratio | 15.2023% | 3,307 |
| Memoranda: | ||
| Average total assets | $517,217,750 | 1,366 |
| Average earning assets | $494,033,750 | 1,328 |
| Average equity | $49,143,500 | 1,544 |
| Average total loans | $410,338,500 | 1,228 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0310% | 3,684 |
| Cost of funding earning assets | 0.8496% | 921 |
| Net interest margin | 3.1815% | 4,549 |
| Noninterest income to average assets | 0.2021% | 4,809 |
| Noninterest expense to average assets | 2.6883% | 3,051 |
| Loan and lease loss provision to assets | 0.0810% | 2,289 |
| Net operating income to assets | 0.4176% | 4,925 |
| Return on assets (ROA) | 0.4169% | 4,931 |
| Pretax return on assets | 0.4709% | 4,954 |
| Return on Equity (ROE) | 4.4115% | 4,717 |
| Retained earnings to average equity (ytd only) | 3.2280% | 3,957 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7324% | 788 |
| Assets per employee ($millions) | 5.7267% | 1,701 |
| Cash dividends to net income (ytd only)* | 26.8270% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 2,455 |
| Loan loss allowance to noncurrent loans | 317.5784% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.3192% | 3,492 |
| Noncurrent loans to loans | 0.3923% | 3,288 |
| Net loans and leases to total assets | 79.4635% | 1,098 |
| Net loans and leases to deposits | 90.4911% | 1,783 |
| Net loans and leases to core deposits | 103.3345% | 1,450 |
| Total domestic deposits to total assets | 87.8137% | 1,467 |
| Equity capital to assets | 9.5519% | 4,050 |
| Core capital (leverage) ratio | 9.4057% | 4,241 |
| Tier 1 risk-based capital ratio | 14.0486% | 3,335 |
| Total risk-based capital ratio | 15.3014% | 3,257 |
| Memoranda: | ||
| Average total assets | $518,537,330 | 1,361 |
| Average earning assets | $495,308,000 | 1,325 |
| Average equity | $49,008,000 | 1,552 |
| Average total loans | $408,240,670 | 1,239 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9319% | 3,846 |
| Cost of funding earning assets | 0.8154% | 896 |
| Net interest margin | 3.1165% | 4,668 |
| Noninterest income to average assets | 0.2538% | 4,486 |
| Noninterest expense to average assets | 2.7248% | 2,961 |
| Loan and lease loss provision to assets | 0.0808% | 2,171 |
| Net operating income to assets | 0.3252% | 5,059 |
| Return on assets (ROA) | 0.3246% | 5,065 |
| Pretax return on assets | 0.4222% | 4,999 |
| Return on Equity (ROE) | 3.4522% | 4,904 |
| Retained earnings to average equity (ytd only) | 3.4522% | 3,821 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1829% | 782 |
| Assets per employee ($millions) | 5.8603% | 1,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 2,640 |
| Loan loss allowance to noncurrent loans | 162.8341% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.6024% | 2,507 |
| Noncurrent loans to loans | 0.7546% | 2,316 |
| Net loans and leases to total assets | 77.9281% | 1,254 |
| Net loans and leases to deposits | 88.5655% | 1,862 |
| Net loans and leases to core deposits | 102.7978% | 1,459 |
| Total domestic deposits to total assets | 87.9892% | 1,626 |
| Equity capital to assets | 9.3772% | 4,207 |
| Core capital (leverage) ratio | 9.3748% | 4,218 |
| Tier 1 risk-based capital ratio | 14.2462% | 3,253 |
| Total risk-based capital ratio | 15.5000% | 3,176 |
| Memoranda: | ||
| Average total assets | $520,103,500 | 1,374 |
| Average earning assets | $496,451,000 | 1,335 |
| Average equity | $48,896,500 | 1,565 |
| Average total loans | $404,998,000 | 1,247 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0720% | 3,163 |
| Cost of funding earning assets | 0.7141% | 955 |
| Net interest margin | 3.3579% | 3,982 |
| Noninterest income to average assets | 0.2425% | 4,683 |
| Noninterest expense to average assets | 2.8517% | 2,603 |
| Loan and lease loss provision to assets | 0.0782% | 2,633 |
| Net operating income to assets | 0.1149% | 5,243 |
| Return on assets (ROA) | 0.1153% | 5,246 |
| Pretax return on assets | 0.5056% | 4,921 |
| Return on Equity (ROE) | 1.1880% | 5,208 |
| Retained earnings to average equity (ytd only) | -0.1281% | 5,052 |
| Net charge-offs to loans | 0.0258% | 3,286 |
| Credit loss provision to net charge-offs | 390.0000% | 777 |
| Earnings coverage of net charge-offs (x) | 29.0800% | 1,579 |
| Efficiency ratio | 82.8448% | 867 |
| Assets per employee ($millions) | 5.7627% | 1,694 |
| Cash dividends to net income (ytd only)* | 110.7826% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 2,515 |
| Loan loss allowance to noncurrent loans | 167.3200% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.6037% | 2,537 |
| Noncurrent loans to loans | 0.7425% | 2,350 |
| Net loans and leases to total assets | 75.8796% | 1,619 |
| Net loans and leases to deposits | 86.2795% | 2,225 |
| Net loans and leases to core deposits | 100.0302% | 1,713 |
| Total domestic deposits to total assets | 87.9463% | 1,534 |
| Equity capital to assets | 9.4255% | 4,296 |
| Core capital (leverage) ratio | 9.2933% | 4,303 |
| Tier 1 risk-based capital ratio | 14.4048% | 3,136 |
| Total risk-based capital ratio | 15.6579% | 3,046 |
| Memoranda: | ||
| Average total assets | $498,587,400 | 1,406 |
| Average earning assets | $474,019,000 | 1,371 |
| Average equity | $48,400,200 | 1,559 |
| Average total loans | $387,648,600 | 1,267 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0966% | 2,997 |
| Cost of funding earning assets | 0.6888% | 1,019 |
| Net interest margin | 3.4078% | 3,820 |
| Noninterest income to average assets | 0.2569% | 4,665 |
| Noninterest expense to average assets | 2.8807% | 2,470 |
| Loan and lease loss provision to assets | 0.0770% | 2,534 |
| Net operating income to assets | 0.3425% | 5,130 |
| Return on assets (ROA) | 0.3431% | 5,153 |
| Pretax return on assets | 0.5370% | 4,956 |
| Return on Equity (ROE) | 3.5073% | 4,978 |
| Retained earnings to average equity (ytd only) | 2.5656% | 4,351 |
| Net charge-offs to loans | 0.0350% | 2,736 |
| Credit loss provision to net charge-offs | 282.1782% | 1,039 |
| Earnings coverage of net charge-offs (x) | 22.4758% | 1,859 |
| Efficiency ratio | 82.2947% | 889 |
| Assets per employee ($millions) | 5.8060% | 1,647 |
| Cash dividends to net income (ytd only)* | 26.8507% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2492% | 2,648 |
| Loan loss allowance to noncurrent loans | 135.2596% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.7318% | 2,311 |
| Noncurrent loans to loans | 0.9235% | 2,080 |
| Net loans and leases to total assets | 74.9628% | 1,767 |
| Net loans and leases to deposits | 85.6822% | 2,341 |
| Net loans and leases to core deposits | 98.6361% | 1,834 |
| Total domestic deposits to total assets | 87.4893% | 1,632 |
| Equity capital to assets | 9.8366% | 4,099 |
| Core capital (leverage) ratio | 9.7483% | 3,882 |
| Tier 1 risk-based capital ratio | 15.0221% | 2,906 |
| Total risk-based capital ratio | 16.2755% | 2,836 |
| Memoranda: | ||
| Average total assets | $493,573,250 | 1,431 |
| Average earning assets | $468,831,750 | 1,395 |
| Average equity | $48,279,000 | 1,577 |
| Average total loans | $384,936,750 | 1,282 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0389% | 3,047 |
| Cost of funding earning assets | 0.6839% | 967 |
| Net interest margin | 3.3550% | 3,931 |
| Noninterest income to average assets | 0.2673% | 4,628 |
| Noninterest expense to average assets | 2.9103% | 2,391 |
| Loan and lease loss provision to assets | 0.0738% | 2,494 |
| Net operating income to assets | 0.2982% | 5,227 |
| Return on assets (ROA) | 0.2985% | 5,246 |
| Pretax return on assets | 0.4695% | 5,053 |
| Return on Equity (ROE) | 3.0576% | 5,105 |
| Retained earnings to average equity (ytd only) | 1.6254% | 4,607 |
| Net charge-offs to loans | 0.0177% | 2,893 |
| Credit loss provision to net charge-offs | 529.4118% | 630 |
| Earnings coverage of net charge-offs (x) | 38.9412% | 1,268 |
| Efficiency ratio | 84.1487% | 831 |
| Assets per employee ($millions) | 5.7296% | 1,671 |
| Cash dividends to net income (ytd only)* | 46.8407% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 2,688 |
| Loan loss allowance to noncurrent loans | 132.8635% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.7403% | 2,346 |
| Noncurrent loans to loans | 0.9409% | 2,083 |
| Net loans and leases to total assets | 74.4639% | 1,783 |
| Net loans and leases to deposits | 84.2230% | 2,441 |
| Net loans and leases to core deposits | 95.9868% | 1,981 |
| Total domestic deposits to total assets | 88.4128% | 1,253 |
| Equity capital to assets | 9.7588% | 4,168 |
| Core capital (leverage) ratio | 9.8999% | 3,657 |
| Tier 1 risk-based capital ratio | 14.8285% | 3,003 |
| Total risk-based capital ratio | 16.0817% | 2,926 |
| Memoranda: | ||
| Average total assets | $487,787,330 | 1,451 |
| Average earning assets | $463,194,670 | 1,417 |
| Average equity | $47,619,330 | 1,598 |
| Average total loans | $383,964,670 | 1,288 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2683% | 2,048 |
| Cost of funding earning assets | 0.6875% | 890 |
| Net interest margin | 3.5807% | 2,963 |
| Noninterest income to average assets | 0.2114% | 5,000 |
| Noninterest expense to average assets | 2.9342% | 2,352 |
| Loan and lease loss provision to assets | 0.0629% | 2,547 |
| Net operating income to assets | 0.3885% | 4,975 |
| Return on assets (ROA) | 0.3885% | 5,004 |
| Pretax return on assets | 0.6142% | 4,700 |
| Return on Equity (ROE) | 3.9787% | 4,786 |
| Retained earnings to average equity (ytd only) | 1.0484% | 4,636 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1338% | 1,246 |
| Assets per employee ($millions) | 5.4957% | 1,895 |
| Cash dividends to net income (ytd only)* | 73.6501% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 2,932 |
| Loan loss allowance to noncurrent loans | 125.7568% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.8556% | 2,168 |
| Noncurrent loans to loans | 0.9795% | 2,089 |
| Net loans and leases to total assets | 78.5200% | 1,051 |
| Net loans and leases to deposits | 89.8210% | 1,560 |
| Net loans and leases to core deposits | 102.7588% | 1,311 |
| Total domestic deposits to total assets | 87.4182% | 2,024 |
| Equity capital to assets | 9.6543% | 4,120 |
| Core capital (leverage) ratio | 9.6237% | 3,962 |
| Tier 1 risk-based capital ratio | 14.0390% | 3,451 |
| Total risk-based capital ratio | 15.2922% | 3,367 |
| Memoranda: | ||
| Average total assets | $476,715,000 | 1,482 |
| Average earning assets | $452,644,000 | 1,449 |
| Average equity | $46,547,500 | 1,629 |
| Average total loans | $383,686,000 | 1,294 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5588% | 1,384 |
| Cost of funding earning assets | 0.7301% | 699 |
| Net interest margin | 3.8287% | 2,216 |
| Noninterest income to average assets | 0.1777% | 5,333 |
| Noninterest expense to average assets | 3.3506% | 1,465 |
| Loan and lease loss provision to assets | 0.0895% | 2,578 |
| Net operating income to assets | 0.2294% | 5,356 |
| Return on assets (ROA) | 0.2302% | 5,422 |
| Pretax return on assets | 0.3957% | 5,232 |
| Return on Equity (ROE) | 2.3624% | 5,318 |
| Retained earnings to average equity (ytd only) | 1.4625% | 4,674 |
| Net charge-offs to loans | 0.0025% | 4,187 |
| Credit loss provision to net charge-offs | 4,388.8889% | 102 |
| Earnings coverage of net charge-offs (x) | 237.2222% | 300 |
| Efficiency ratio | 87.2931% | 732 |
| Assets per employee ($millions) | 5.4001% | 1,955 |
| Cash dividends to net income (ytd only)* | 38.0906% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 3,015 |
| Loan loss allowance to noncurrent loans | 130.4871% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.8395% | 2,246 |
| Noncurrent loans to loans | 0.9329% | 2,223 |
| Net loans and leases to total assets | 80.5085% | 813 |
| Net loans and leases to deposits | 92.3931% | 1,394 |
| Net loans and leases to core deposits | 106.2950% | 1,113 |
| Total domestic deposits to total assets | 87.1369% | 2,069 |
| Equity capital to assets | 9.8774% | 3,844 |
| Core capital (leverage) ratio | 9.6967% | 3,863 |
| Tier 1 risk-based capital ratio | 14.3359% | 3,263 |
| Total risk-based capital ratio | 15.5886% | 3,195 |
| Memoranda: | ||
| Average total assets | $441,261,800 | 1,533 |
| Average earning assets | $421,451,800 | 1,495 |
| Average equity | $43,008,000 | 1,724 |
| Average total loans | $366,219,800 | 1,287 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4261% | 1,772 |
| Cost of funding earning assets | 0.7376% | 673 |
| Net interest margin | 3.6885% | 2,759 |
| Noninterest income to average assets | 0.1855% | 5,350 |
| Noninterest expense to average assets | 3.0454% | 2,181 |
| Loan and lease loss provision to assets | 0.0891% | 2,442 |
| Net operating income to assets | 0.3685% | 5,118 |
| Return on assets (ROA) | 0.3707% | 5,199 |
| Pretax return on assets | 0.5820% | 4,923 |
| Return on Equity (ROE) | 3.8172% | 4,975 |
| Retained earnings to average equity (ytd only) | 3.0898% | 4,061 |
| Net charge-offs to loans | 0.0033% | 3,816 |
| Credit loss provision to net charge-offs | 3,222.2222% | 163 |
| Earnings coverage of net charge-offs (x) | 241.5492% | 326 |
| Efficiency ratio | 81.9355% | 1,199 |
| Assets per employee ($millions) | 5.5829% | 1,767 |
| Cash dividends to net income (ytd only)* | 19.0556% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 3,454 |
| Loan loss allowance to noncurrent loans | 80.1513% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 1.1976% | 1,663 |
| Noncurrent loans to loans | 1.4531% | 1,491 |
| Net loans and leases to total assets | 81.4566% | 697 |
| Net loans and leases to deposits | 93.6909% | 1,293 |
| Net loans and leases to core deposits | 107.6201% | 1,073 |
| Total domestic deposits to total assets | 86.9419% | 1,922 |
| Equity capital to assets | 9.8500% | 4,303 |
| Core capital (leverage) ratio | 9.5406% | 4,130 |
| Tier 1 risk-based capital ratio | 14.2122% | 3,451 |
| Total risk-based capital ratio | 15.4648% | 3,376 |
| Memoranda: | ||
| Average total assets | $434,125,000 | 1,563 |
| Average earning assets | $415,193,500 | 1,518 |
| Average equity | $42,158,750 | 1,762 |
| Average total loans | $362,050,500 | 1,298 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4576% | 1,646 |
| Cost of funding earning assets | 0.7479% | 638 |
| Net interest margin | 3.7097% | 2,656 |
| Noninterest income to average assets | 0.1369% | 5,619 |
| Noninterest expense to average assets | 3.0458% | 2,219 |
| Loan and lease loss provision to assets | 0.0880% | 2,386 |
| Net operating income to assets | 0.3514% | 5,177 |
| Return on assets (ROA) | 0.3533% | 5,257 |
| Pretax return on assets | 0.5601% | 4,996 |
| Return on Equity (ROE) | 3.6573% | 5,033 |
| Retained earnings to average equity (ytd only) | 3.3029% | 3,799 |
| Net charge-offs to loans | 0.0017% | 3,649 |
| Credit loss provision to net charge-offs | 6,166.6667% | 62 |
| Earnings coverage of net charge-offs (x) | 452.3333% | 152 |
| Efficiency ratio | 82.4552% | 1,218 |
| Assets per employee ($millions) | 5.4148% | 1,874 |
| Cash dividends to net income (ytd only)* | 9.6904% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1251% | 3,809 |
| Loan loss allowance to noncurrent loans | 87.7362% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 1.0661% | 1,995 |
| Noncurrent loans to loans | 1.2824% | 1,769 |
| Net loans and leases to total assets | 82.1971% | 605 |
| Net loans and leases to deposits | 94.5679% | 1,230 |
| Net loans and leases to core deposits | 108.5316% | 1,009 |
| Total domestic deposits to total assets | 86.9186% | 1,952 |
| Equity capital to assets | 9.6921% | 4,561 |
| Core capital (leverage) ratio | 9.2446% | 4,528 |
| Tier 1 risk-based capital ratio | 13.6414% | 3,810 |
| Total risk-based capital ratio | 14.8937% | 3,727 |
| Memoranda: | ||
| Average total assets | $420,651,000 | 1,615 |
| Average earning assets | $403,000,000 | 1,561 |
| Average equity | $40,630,670 | 1,831 |
| Average total loans | $352,365,670 | 1,326 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0026% | 3,214 |
| Cost of funding earning assets | 0.7429% | 658 |
| Net interest margin | 3.2597% | 4,361 |
| Noninterest income to average assets | 0.1202% | 5,739 |
| Noninterest expense to average assets | 2.7205% | 3,348 |
| Loan and lease loss provision to assets | 0.0917% | 2,155 |
| Net operating income to assets | 0.2842% | 5,346 |
| Return on assets (ROA) | 0.2842% | 5,424 |
| Pretax return on assets | 0.4410% | 5,228 |
| Return on Equity (ROE) | 2.9481% | 5,260 |
| Retained earnings to average equity (ytd only) | 2.7685% | 4,137 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6255% | 1,194 |
| Assets per employee ($millions) | 6.1946% | 1,277 |
| Cash dividends to net income (ytd only)* | 6.0932% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 2,843 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 82.8272% | 467 |
| Net loans and leases to deposits | 96.3182% | 914 |
| Net loans and leases to core deposits | 110.6476% | 821 |
| Total domestic deposits to total assets | 85.9933% | 2,674 |
| Equity capital to assets | 9.5991% | 4,567 |
| Core capital (leverage) ratio | 9.7042% | 3,906 |
| Tier 1 risk-based capital ratio | 14.5079% | 3,389 |
| Total risk-based capital ratio | 15.7630% | 3,321 |
| Memoranda: | ||
| Average total assets | $392,726,000 | 1,719 |
| Average earning assets | $377,453,000 | 1,654 |
| Average equity | $37,854,500 | 1,940 |
| Average total loans | $330,485,000 | 1,400 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2085% | 2,530 |
| Cost of funding earning assets | 0.7584% | 614 |
| Net interest margin | 3.4501% | 3,720 |
| Noninterest income to average assets | 0.1175% | 5,814 |
| Noninterest expense to average assets | 2.6320% | 3,808 |
| Loan and lease loss provision to assets | 0.1293% | 1,860 |
| Net operating income to assets | 0.4277% | 4,959 |
| Return on assets (ROA) | 0.4320% | 5,023 |
| Pretax return on assets | 0.6826% | 4,577 |
| Return on Equity (ROE) | 4.4601% | 4,760 |
| Retained earnings to average equity (ytd only) | 4.2653% | 2,943 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5739% | 2,180 |
| Assets per employee ($millions) | 6.3770% | 1,156 |
| Cash dividends to net income (ytd only)* | 4.3668% | 4,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 2,884 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 83.2802% | 457 |
| Net loans and leases to deposits | 96.3017% | 981 |
| Net loans and leases to core deposits | 110.3673% | 832 |
| Total domestic deposits to total assets | 86.4784% | 2,388 |
| Equity capital to assets | 9.6794% | 4,327 |
| Core capital (leverage) ratio | 9.6914% | 3,920 |
| Tier 1 risk-based capital ratio | 13.6152% | 3,939 |
| Total risk-based capital ratio | 14.8687% | 3,867 |
| Memoranda: | ||
| Average total assets | $371,089,400 | 1,766 |
| Average earning assets | $357,062,200 | 1,695 |
| Average equity | $35,941,000 | 1,987 |
| Average total loans | $313,163,000 | 1,413 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2569% | 2,379 |
| Cost of funding earning assets | 0.7589% | 621 |
| Net interest margin | 3.4981% | 3,546 |
| Noninterest income to average assets | 0.1197% | 5,877 |
| Noninterest expense to average assets | 2.6665% | 3,674 |
| Loan and lease loss provision to assets | 0.1309% | 1,712 |
| Net operating income to assets | 0.4356% | 5,025 |
| Return on assets (ROA) | 0.4401% | 5,099 |
| Pretax return on assets | 0.6954% | 4,694 |
| Return on Equity (ROE) | 4.5428% | 4,817 |
| Retained earnings to average equity (ytd only) | 4.3476% | 3,376 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4945% | 2,160 |
| Assets per employee ($millions) | 6.2009% | 1,238 |
| Cash dividends to net income (ytd only)* | 4.2974% | 3,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 3,205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 83.3611% | 438 |
| Net loans and leases to deposits | 96.0286% | 1,002 |
| Net loans and leases to core deposits | 110.6631% | 839 |
| Total domestic deposits to total assets | 86.8086% | 2,134 |
| Equity capital to assets | 9.7249% | 4,485 |
| Core capital (leverage) ratio | 9.8999% | 3,770 |
| Tier 1 risk-based capital ratio | 13.8648% | 3,925 |
| Total risk-based capital ratio | 15.1184% | 3,870 |
| Memoranda: | ||
| Average total assets | $366,611,750 | 1,800 |
| Average earning assets | $352,796,000 | 1,723 |
| Average equity | $35,513,000 | 2,015 |
| Average total loans | $309,395,000 | 1,436 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2599% | 2,324 |
| Cost of funding earning assets | 0.7599% | 611 |
| Net interest margin | 3.5001% | 3,497 |
| Noninterest income to average assets | 0.1209% | 5,940 |
| Noninterest expense to average assets | 2.6828% | 3,644 |
| Loan and lease loss provision to assets | 0.1331% | 1,647 |
| Net operating income to assets | 0.4241% | 5,066 |
| Return on assets (ROA) | 0.4309% | 5,139 |
| Pretax return on assets | 0.6871% | 4,698 |
| Return on Equity (ROE) | 4.4543% | 4,835 |
| Retained earnings to average equity (ytd only) | 4.2536% | 3,319 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8180% | 2,225 |
| Assets per employee ($millions) | 5.8304% | 1,474 |
| Cash dividends to net income (ytd only)* | 4.5045% | 3,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 3,316 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 82.9461% | 479 |
| Net loans and leases to deposits | 95.5222% | 1,002 |
| Net loans and leases to core deposits | 110.3218% | 822 |
| Total domestic deposits to total assets | 86.8344% | 2,248 |
| Equity capital to assets | 9.8623% | 4,197 |
| Core capital (leverage) ratio | 10.0360% | 3,545 |
| Tier 1 risk-based capital ratio | 14.8569% | 3,442 |
| Total risk-based capital ratio | 16.1116% | 3,372 |
| Memoranda: | ||
| Average total assets | $360,664,000 | 1,838 |
| Average earning assets | $347,423,000 | 1,764 |
| Average equity | $34,888,000 | 2,064 |
| Average total loans | $304,312,670 | 1,462 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2506% | 2,275 |
| Cost of funding earning assets | 0.7595% | 625 |
| Net interest margin | 3.4912% | 3,475 |
| Noninterest income to average assets | 0.0734% | 6,169 |
| Noninterest expense to average assets | 2.6917% | 3,617 |
| Loan and lease loss provision to assets | 0.1354% | 1,528 |
| Net operating income to assets | 0.3798% | 5,143 |
| Return on assets (ROA) | 0.3928% | 5,208 |
| Pretax return on assets | 0.6388% | 4,801 |
| Return on Equity (ROE) | 4.1024% | 4,942 |
| Retained earnings to average equity (ytd only) | 3.8902% | 3,668 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1199% | 2,168 |
| Assets per employee ($millions) | 5.9238% | 1,448 |
| Cash dividends to net income (ytd only)* | 5.1724% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 3,330 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1791% | 5,237 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 81.4573% | 522 |
| Net loans and leases to deposits | 92.4605% | 1,137 |
| Net loans and leases to core deposits | 106.8189% | 888 |
| Total domestic deposits to total assets | 88.0996% | 1,758 |
| Equity capital to assets | 10.1312% | 3,971 |
| Core capital (leverage) ratio | 10.2741% | 3,248 |
| Tier 1 risk-based capital ratio | 13.0282% | 4,587 |
| Total risk-based capital ratio | 14.2798% | 4,499 |
| Memoranda: | ||
| Average total assets | $354,422,500 | 1,876 |
| Average earning assets | $342,350,500 | 1,789 |
| Average equity | $33,931,500 | 2,127 |
| Average total loans | $299,696,000 | 1,482 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4072% | 2,194 |
| Cost of funding earning assets | 0.7537% | 832 |
| Net interest margin | 3.6535% | 3,206 |
| Noninterest income to average assets | 0.0522% | 6,284 |
| Noninterest expense to average assets | 2.6766% | 3,958 |
| Loan and lease loss provision to assets | 0.1779% | 1,449 |
| Net operating income to assets | 0.4541% | 4,998 |
| Return on assets (ROA) | 0.4525% | 5,103 |
| Pretax return on assets | 0.7458% | 4,460 |
| Return on Equity (ROE) | 5.0745% | 4,623 |
| Retained earnings to average equity (ytd only) | 4.8384% | 2,729 |
| Net charge-offs to loans | 0.0121% | 4,656 |
| Credit loss provision to net charge-offs | 1,714.2857% | 176 |
| Earnings coverage of net charge-offs (x) | 89.2286% | 576 |
| Efficiency ratio | 74.2942% | 2,788 |
| Assets per employee ($millions) | 5.8897% | 1,457 |
| Cash dividends to net income (ytd only)* | 4.6527% | 4,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 3,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1862% | 5,285 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 85.5655% | 236 |
| Net loans and leases to deposits | 94.2583% | 1,054 |
| Net loans and leases to core deposits | 109.3131% | 811 |
| Total domestic deposits to total assets | 90.7777% | 435 |
| Equity capital to assets | 8.9941% | 5,294 |
| Core capital (leverage) ratio | 9.0678% | 4,874 |
| Tier 1 risk-based capital ratio | 9.7644% | 6,309 |
| Total risk-based capital ratio | 10.9500% | 6,288 |
| Memoranda: | ||
| Average total assets | $337,213,600 | 1,927 |
| Average earning assets | $327,712,600 | 1,836 |
| Average equity | $30,072,200 | 2,266 |
| Average total loans | $290,270,600 | 1,473 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4255% | 2,140 |
| Cost of funding earning assets | 0.7472% | 900 |
| Net interest margin | 3.6783% | 3,110 |
| Noninterest income to average assets | 0.0570% | 6,368 |
| Noninterest expense to average assets | 2.6607% | 3,983 |
| Loan and lease loss provision to assets | 0.1793% | 1,368 |
| Net operating income to assets | 0.4802% | 4,947 |
| Return on assets (ROA) | 0.4781% | 5,036 |
| Pretax return on assets | 0.7853% | 4,413 |
| Return on Equity (ROE) | 5.3732% | 4,547 |
| Retained earnings to average equity (ytd only) | 5.1314% | 2,998 |
| Net charge-offs to loans | 0.0162% | 4,215 |
| Credit loss provision to net charge-offs | 1,285.7143% | 266 |
| Earnings coverage of net charge-offs (x) | 69.3934% | 784 |
| Efficiency ratio | 73.3282% | 2,930 |
| Assets per employee ($millions) | 5.8459% | 1,451 |
| Cash dividends to net income (ytd only)* | 4.5001% | 3,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 3,880 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 5,464 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 82.7991% | 431 |
| Net loans and leases to deposits | 91.2174% | 1,300 |
| Net loans and leases to core deposits | 105.3848% | 994 |
| Total domestic deposits to total assets | 90.7711% | 430 |
| Equity capital to assets | 8.9682% | 5,385 |
| Core capital (leverage) ratio | 9.1021% | 4,932 |
| Tier 1 risk-based capital ratio | 10.1481% | 6,314 |
| Total risk-based capital ratio | 11.3434% | 6,288 |
| Memoranda: | ||
| Average total assets | $334,643,250 | 1,958 |
| Average earning assets | $324,924,250 | 1,857 |
| Average equity | $29,776,750 | 2,295 |
| Average total loans | $287,555,500 | 1,497 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3804% | 2,258 |
| Cost of funding earning assets | 0.7391% | 970 |
| Net interest margin | 3.6413% | 3,183 |
| Noninterest income to average assets | 0.0411% | 6,463 |
| Noninterest expense to average assets | 2.6327% | 4,123 |
| Loan and lease loss provision to assets | 0.1811% | 1,354 |
| Net operating income to assets | 0.4567% | 4,987 |
| Return on assets (ROA) | 0.4571% | 5,060 |
| Pretax return on assets | 0.7620% | 4,411 |
| Return on Equity (ROE) | 5.1511% | 4,605 |
| Retained earnings to average equity (ytd only) | 4.9130% | 3,017 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6362% | 3,039 |
| Assets per employee ($millions) | 5.8049% | 1,417 |
| Cash dividends to net income (ytd only)* | 4.6235% | 3,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 4,391 |
| Loan loss allowance to noncurrent loans | 515.3285% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.2035% | 5,512 |
| Noncurrent loans to loans | 0.2342% | 5,293 |
| Net loans and leases to total assets | 85.8111% | 188 |
| Net loans and leases to deposits | 94.5526% | 918 |
| Net loans and leases to core deposits | 109.1008% | 724 |
| Total domestic deposits to total assets | 90.7549% | 487 |
| Equity capital to assets | 9.0562% | 5,241 |
| Core capital (leverage) ratio | 9.1898% | 4,757 |
| Tier 1 risk-based capital ratio | 9.9777% | 6,406 |
| Total risk-based capital ratio | 11.1322% | 6,398 |
| Memoranda: | ||
| Average total assets | $331,222,330 | 1,970 |
| Average earning assets | $321,475,330 | 1,873 |
| Average equity | $29,391,670 | 2,304 |
| Average total loans | $286,999,330 | 1,492 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2859% | 2,573 |
| Cost of funding earning assets | 0.7316% | 1,066 |
| Net interest margin | 3.5543% | 3,463 |
| Noninterest income to average assets | 0.0377% | 6,516 |
| Noninterest expense to average assets | 2.6680% | 4,049 |
| Loan and lease loss provision to assets | 0.1827% | 1,310 |
| Net operating income to assets | 0.3848% | 5,167 |
| Return on assets (ROA) | 0.3848% | 5,237 |
| Pretax return on assets | 0.6417% | 4,691 |
| Return on Equity (ROE) | 4.3825% | 4,847 |
| Retained earnings to average equity (ytd only) | 4.1329% | 3,652 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3947% | 2,739 |
| Assets per employee ($millions) | 5.6007% | 1,616 |
| Cash dividends to net income (ytd only)* | 5.6962% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 4,724 |
| Loan loss allowance to noncurrent loans | 244.7502% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.4110% | 4,906 |
| Noncurrent loans to loans | 0.4828% | 4,710 |
| Net loans and leases to total assets | 84.1137% | 231 |
| Net loans and leases to deposits | 92.5442% | 912 |
| Net loans and leases to core deposits | 104.6212% | 821 |
| Total domestic deposits to total assets | 90.8903% | 614 |
| Equity capital to assets | 8.9296% | 5,184 |
| Core capital (leverage) ratio | 9.2298% | 4,671 |
| Tier 1 risk-based capital ratio | 10.0438% | 6,465 |
| Total risk-based capital ratio | 11.1722% | 6,472 |
| Memoranda: | ||
| Average total assets | $328,491,000 | 1,990 |
| Average earning assets | $319,278,500 | 1,892 |
| Average equity | $28,842,000 | 2,337 |
| Average total loans | $284,277,500 | 1,508 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6909% | 1,595 |
| Cost of funding earning assets | 0.7275% | 1,639 |
| Net interest margin | 3.9635% | 2,055 |
| Noninterest income to average assets | 0.0416% | 6,573 |
| Noninterest expense to average assets | 2.6628% | 4,229 |
| Loan and lease loss provision to assets | 0.2046% | 1,814 |
| Net operating income to assets | 0.5856% | 4,331 |
| Return on assets (ROA) | 0.5856% | 4,442 |
| Pretax return on assets | 1.0112% | 3,305 |
| Return on Equity (ROE) | 6.3722% | 3,886 |
| Retained earnings to average equity (ytd only) | 6.1125% | 1,907 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6538% | 4,074 |
| Assets per employee ($millions) | 5.4397% | 1,710 |
| Cash dividends to net income (ytd only)* | 4.0769% | 4,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1433% | 4,939 |
| Loan loss allowance to noncurrent loans | 231.2097% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.4353% | 4,949 |
| Noncurrent loans to loans | 0.4945% | 4,760 |
| Net loans and leases to total assets | 87.0217% | 118 |
| Net loans and leases to deposits | 95.3908% | 778 |
| Net loans and leases to core deposits | 108.1333% | 691 |
| Total domestic deposits to total assets | 91.2265% | 492 |
| Equity capital to assets | 8.6236% | 5,457 |
| Core capital (leverage) ratio | 8.9239% | 5,115 |
| Tier 1 risk-based capital ratio | 9.4925% | 6,603 |
| Total risk-based capital ratio | 10.5960% | 6,608 |
| Memoranda: | ||
| Average total assets | $293,219,800 | 2,193 |
| Average earning assets | $283,866,000 | 2,086 |
| Average equity | $26,945,000 | 2,460 |
| Average total loans | $254,549,400 | 1,634 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7460% | 1,486 |
| Cost of funding earning assets | 0.7280% | 1,749 |
| Net interest margin | 4.0180% | 1,889 |
| Noninterest income to average assets | 0.0349% | 6,667 |
| Noninterest expense to average assets | 2.6672% | 4,138 |
| Loan and lease loss provision to assets | 0.2096% | 1,735 |
| Net operating income to assets | 0.6036% | 4,332 |
| Return on assets (ROA) | 0.6036% | 4,455 |
| Pretax return on assets | 1.0446% | 3,318 |
| Return on Equity (ROE) | 6.4568% | 3,953 |
| Retained earnings to average equity (ytd only) | 6.1927% | 2,290 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0166% | 4,100 |
| Assets per employee ($millions) | 5.3022% | 1,842 |
| Cash dividends to net income (ytd only)* | 4.0892% | 3,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 5,110 |
| Loan loss allowance to noncurrent loans | 217.6678% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.4523% | 5,071 |
| Noncurrent loans to loans | 0.5294% | 4,871 |
| Net loans and leases to total assets | 84.4531% | 219 |
| Net loans and leases to deposits | 92.7644% | 920 |
| Net loans and leases to core deposits | 103.3255% | 916 |
| Total domestic deposits to total assets | 91.0404% | 514 |
| Equity capital to assets | 8.7288% | 5,489 |
| Core capital (leverage) ratio | 9.0265% | 5,087 |
| Tier 1 risk-based capital ratio | 9.9283% | 6,611 |
| Total risk-based capital ratio | 11.0451% | 6,621 |
| Memoranda: | ||
| Average total assets | $286,289,000 | 2,241 |
| Average earning assets | $276,916,000 | 2,146 |
| Average equity | $26,762,000 | 2,504 |
| Average total loans | $247,556,750 | 1,674 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7287% | 1,493 |
| Cost of funding earning assets | 0.7370% | 1,791 |
| Net interest margin | 3.9917% | 1,889 |
| Noninterest income to average assets | 0.0324% | 6,718 |
| Noninterest expense to average assets | 2.6651% | 4,162 |
| Loan and lease loss provision to assets | 0.2163% | 1,755 |
| Net operating income to assets | 0.5846% | 4,375 |
| Return on assets (ROA) | 0.5846% | 4,553 |
| Pretax return on assets | 1.0164% | 3,432 |
| Return on Equity (ROE) | 6.1022% | 4,110 |
| Retained earnings to average equity (ytd only) | 5.8388% | 2,528 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3743% | 4,114 |
| Assets per employee ($millions) | 5.9165% | 1,265 |
| Cash dividends to net income (ytd only)* | 4.3157% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1329% | 5,308 |
| Loan loss allowance to noncurrent loans | 204.0390% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.4854% | 5,053 |
| Noncurrent loans to loans | 0.5552% | 4,870 |
| Net loans and leases to total assets | 86.4369% | 134 |
| Net loans and leases to deposits | 95.2825% | 719 |
| Net loans and leases to core deposits | 103.7688% | 851 |
| Total domestic deposits to total assets | 90.7165% | 657 |
| Equity capital to assets | 9.0865% | 5,122 |
| Core capital (leverage) ratio | 9.4324% | 4,343 |
| Tier 1 risk-based capital ratio | 10.1327% | 6,602 |
| Total risk-based capital ratio | 11.2358% | 6,618 |
| Memoranda: | ||
| Average total assets | $277,442,670 | 2,306 |
| Average earning assets | $268,656,330 | 2,201 |
| Average equity | $26,580,670 | 2,530 |
| Average total loans | $240,984,670 | 1,718 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7632% | 1,370 |
| Cost of funding earning assets | 0.7464% | 1,876 |
| Net interest margin | 4.0168% | 1,722 |
| Noninterest income to average assets | 0.0313% | 6,789 |
| Noninterest expense to average assets | 2.6080% | 4,380 |
| Loan and lease loss provision to assets | 0.2237% | 1,648 |
| Net operating income to assets | 0.6308% | 4,076 |
| Return on assets (ROA) | 0.6308% | 4,229 |
| Pretax return on assets | 1.0915% | 2,987 |
| Return on Equity (ROE) | 6.4016% | 3,822 |
| Retained earnings to average equity (ytd only) | 6.1292% | 2,609 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4766% | 4,582 |
| Assets per employee ($millions) | 6.1139% | 1,182 |
| Cash dividends to net income (ytd only)* | 4.2553% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 5,292 |
| Loan loss allowance to noncurrent loans | 189.6317% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.5328% | 5,062 |
| Noncurrent loans to loans | 0.6198% | 4,896 |
| Net loans and leases to total assets | 84.9588% | 162 |
| Net loans and leases to deposits | 94.2877% | 653 |
| Net loans and leases to core deposits | 100.9349% | 893 |
| Total domestic deposits to total assets | 90.1060% | 980 |
| Equity capital to assets | 9.6778% | 4,594 |
| Core capital (leverage) ratio | 9.8574% | 3,589 |
| Tier 1 risk-based capital ratio | 10.8800% | 6,455 |
| Total risk-based capital ratio | 12.0195% | 6,466 |
| Memoranda: | ||
| Average total assets | $268,251,500 | 2,411 |
| Average earning assets | $259,908,500 | 2,289 |
| Average equity | $26,431,000 | 2,569 |
| Average total loans | $232,161,000 | 1,778 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1495% | 1,211 |
| Cost of funding earning assets | 0.9229% | 1,803 |
| Net interest margin | 4.2265% | 1,589 |
| Noninterest income to average assets | 0.0367% | 6,732 |
| Noninterest expense to average assets | 2.5638% | 4,888 |
| Loan and lease loss provision to assets | 0.2474% | 2,676 |
| Net operating income to assets | 0.6630% | 3,915 |
| Return on assets (ROA) | 0.6630% | 4,182 |
| Pretax return on assets | 1.0906% | 3,192 |
| Return on Equity (ROE) | 6.3921% | 3,963 |
| Retained earnings to average equity (ytd only) | 6.3921% | 1,878 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7085% | 4,560 |
| Assets per employee ($millions) | 6.5345% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 5,325 |
| Loan loss allowance to noncurrent loans | 174.8670% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.5754% | 5,045 |
| Noncurrent loans to loans | 0.6602% | 4,881 |
| Net loans and leases to total assets | 86.1469% | 122 |
| Net loans and leases to deposits | 95.9235% | 617 |
| Net loans and leases to core deposits | 101.6390% | 911 |
| Total domestic deposits to total assets | 89.8079% | 1,058 |
| Equity capital to assets | 10.0376% | 4,118 |
| Core capital (leverage) ratio | 10.1843% | 3,161 |
| Tier 1 risk-based capital ratio | 11.2055% | 6,270 |
| Total risk-based capital ratio | 12.3330% | 6,280 |
| Memoranda: | ||
| Average total assets | $242,526,400 | 2,607 |
| Average earning assets | $221,790,400 | 2,595 |
| Average equity | $25,156,200 | 2,641 |
| Average total loans | $197,828,800 | 2,022 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1639% | 1,270 |
| Cost of funding earning assets | 0.9823% | 1,662 |
| Net interest margin | 4.1816% | 1,790 |
| Noninterest income to average assets | 0.0370% | 6,845 |
| Noninterest expense to average assets | 2.5325% | 4,981 |
| Loan and lease loss provision to assets | 0.2523% | 2,551 |
| Net operating income to assets | 0.6167% | 4,318 |
| Return on assets (ROA) | 0.6167% | 4,573 |
| Pretax return on assets | 1.0137% | 3,654 |
| Return on Equity (ROE) | 5.8933% | 4,382 |
| Retained earnings to average equity (ytd only) | 5.8933% | 2,766 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6716% | 4,318 |
| Assets per employee ($millions) | 6.0369% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 5,286 |
| Loan loss allowance to noncurrent loans | 363.1040% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.2694% | 6,025 |
| Noncurrent loans to loans | 0.3302% | 5,812 |
| Net loans and leases to total assets | 80.6135% | 459 |
| Net loans and leases to deposits | 89.8787% | 1,157 |
| Net loans and leases to core deposits | 93.7897% | 1,603 |
| Total domestic deposits to total assets | 89.6915% | 1,017 |
| Equity capital to assets | 10.1511% | 4,275 |
| Core capital (leverage) ratio | 10.2157% | 3,266 |
| Tier 1 risk-based capital ratio | 12.0998% | 5,888 |
| Total risk-based capital ratio | 13.2708% | 5,912 |
| Memoranda: | ||
| Average total assets | $237,813,500 | 2,682 |
| Average earning assets | $213,914,500 | 2,709 |
| Average equity | $24,886,250 | 2,699 |
| Average total loans | $190,336,250 | 2,115 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3479% | 964 |
| Cost of funding earning assets | 1.0998% | 1,223 |
| Net interest margin | 4.2481% | 1,610 |
| Noninterest income to average assets | 0.0404% | 6,891 |
| Noninterest expense to average assets | 2.5825% | 4,841 |
| Loan and lease loss provision to assets | 0.2580% | 2,511 |
| Net operating income to assets | 0.5521% | 4,575 |
| Return on assets (ROA) | 0.5521% | 4,855 |
| Pretax return on assets | 0.9038% | 4,065 |
| Return on Equity (ROE) | 5.2190% | 4,694 |
| Retained earnings to average equity (ytd only) | 5.2190% | 3,145 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9711% | 3,946 |
| Assets per employee ($millions) | 6.6652% | 876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1701% | 5,482 |
| Loan loss allowance to noncurrent loans | 341.1420% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.2770% | 6,086 |
| Noncurrent loans to loans | 0.3430% | 5,863 |
| Net loans and leases to total assets | 79.7988% | 537 |
| Net loans and leases to deposits | 89.2377% | 1,224 |
| Net loans and leases to core deposits | 93.1199% | 1,675 |
| Total domestic deposits to total assets | 89.4227% | 1,257 |
| Equity capital to assets | 10.2723% | 3,970 |
| Core capital (leverage) ratio | 10.5233% | 2,778 |
| Tier 1 risk-based capital ratio | 12.1660% | 5,822 |
| Total risk-based capital ratio | 13.2925% | 5,881 |
| Memoranda: | ||
| Average total assets | $232,568,670 | 2,727 |
| Average earning assets | $202,772,670 | 2,846 |
| Average equity | $24,602,330 | 2,706 |
| Average total loans | $184,823,670 | 2,165 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4474% | 837 |
| Cost of funding earning assets | 1.1419% | 1,206 |
| Net interest margin | 4.3055% | 1,453 |
| Noninterest income to average assets | 0.0390% | 6,976 |
| Noninterest expense to average assets | 2.6691% | 4,547 |
| Loan and lease loss provision to assets | 0.2660% | 2,328 |
| Net operating income to assets | 0.4930% | 4,858 |
| Return on assets (ROA) | 0.4930% | 5,060 |
| Pretax return on assets | 0.8016% | 4,407 |
| Return on Equity (ROE) | 4.5880% | 4,990 |
| Retained earnings to average equity (ytd only) | 4.5880% | 3,823 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4286% | 3,549 |
| Assets per employee ($millions) | 6.7036% | 878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 5,621 |
| Loan loss allowance to noncurrent loans | 319.1801% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 6,162 |
| Noncurrent loans to loans | 0.3676% | 5,933 |
| Net loans and leases to total assets | 78.2522% | 568 |
| Net loans and leases to deposits | 87.9529% | 1,172 |
| Net loans and leases to core deposits | 91.3201% | 1,718 |
| Total domestic deposits to total assets | 88.9705% | 1,710 |
| Equity capital to assets | 10.3893% | 3,625 |
| Core capital (leverage) ratio | 10.7390% | 2,511 |
| Tier 1 risk-based capital ratio | 12.5807% | 5,535 |
| Total risk-based capital ratio | 13.7132% | 5,597 |
| Memoranda: | ||
| Average total assets | $225,546,000 | 2,824 |
| Average earning assets | $193,707,000 | 2,975 |
| Average equity | $24,237,000 | 2,746 |
| Average total loans | $177,673,000 | 2,270 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6714% | 826 |
| Cost of funding earning assets | 1.2848% | 1,555 |
| Net interest margin | 4.3866% | 1,426 |
| Noninterest income to average assets | 0.0448% | 6,855 |
| Noninterest expense to average assets | 2.5969% | 5,107 |
| Loan and lease loss provision to assets | 0.3126% | 3,169 |
| Net operating income to assets | 0.6225% | 3,875 |
| Return on assets (ROA) | 0.6225% | 4,074 |
| Pretax return on assets | 1.0429% | 3,065 |
| Return on Equity (ROE) | 6.4395% | 3,677 |
| Retained earnings to average equity (ytd only) | 6.4395% | 1,781 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7045% | 4,830 |
| Assets per employee ($millions) | 6.1847% | 1,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 5,398 |
| Loan loss allowance to noncurrent loans | 280.0000% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.3349% | 6,133 |
| Noncurrent loans to loans | 0.4276% | 5,853 |
| Net loans and leases to total assets | 77.3960% | 786 |
| Net loans and leases to deposits | 87.8343% | 1,402 |
| Net loans and leases to core deposits | 91.5107% | 1,940 |
| Total domestic deposits to total assets | 88.1159% | 2,085 |
| Equity capital to assets | 11.1325% | 2,857 |
| Core capital (leverage) ratio | 11.1003% | 2,190 |
| Tier 1 risk-based capital ratio | 13.4314% | 4,748 |
| Total risk-based capital ratio | 14.5884% | 4,791 |
| Memoranda: | ||
| Average total assets | $191,956,400 | 3,159 |
| Average earning assets | $170,999,400 | 3,226 |
| Average equity | $18,557,400 | 3,349 |
| Average total loans | $152,448,800 | 2,609 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5858% | 1,066 |
| Cost of funding earning assets | 1.3106% | 1,648 |
| Net interest margin | 4.2752% | 1,806 |
| Noninterest income to average assets | 0.0481% | 6,963 |
| Noninterest expense to average assets | 2.5456% | 5,302 |
| Loan and lease loss provision to assets | 0.3229% | 2,949 |
| Net operating income to assets | 0.6142% | 4,023 |
| Return on assets (ROA) | 0.6142% | 4,207 |
| Pretax return on assets | 1.0368% | 3,256 |
| Return on Equity (ROE) | 6.6462% | 3,692 |
| Retained earnings to average equity (ytd only) | 6.6462% | 2,170 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1846% | 4,865 |
| Assets per employee ($millions) | 6.4148% | 987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 5,664 |
| Loan loss allowance to noncurrent loans | 4,000.0000% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0222% | 7,007 |
| Noncurrent loans to loans | 0.0289% | 6,867 |
| Net loans and leases to total assets | 76.0681% | 967 |
| Net loans and leases to deposits | 86.0909% | 1,679 |
| Net loans and leases to core deposits | 90.4367% | 2,198 |
| Total domestic deposits to total assets | 88.3579% | 1,834 |
| Equity capital to assets | 11.2241% | 2,944 |
| Core capital (leverage) ratio | 11.8042% | 1,826 |
| Tier 1 risk-based capital ratio | 13.6732% | 4,599 |
| Total risk-based capital ratio | 14.7806% | 4,681 |
| Memoranda: | ||
| Average total assets | $185,829,000 | 3,266 |
| Average earning assets | $167,660,500 | 3,293 |
| Average equity | $17,172,250 | 3,554 |
| Average total loans | $148,169,500 | 2,688 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5582% | 1,153 |
| Cost of funding earning assets | 1.3389% | 1,707 |
| Net interest margin | 4.2193% | 1,958 |
| Noninterest income to average assets | 0.0508% | 7,042 |
| Noninterest expense to average assets | 2.5992% | 5,184 |
| Loan and lease loss provision to assets | 0.3386% | 2,758 |
| Net operating income to assets | 0.5812% | 4,149 |
| Return on assets (ROA) | 0.5812% | 4,279 |
| Pretax return on assets | 0.9932% | 3,264 |
| Return on Equity (ROE) | 6.8775% | 3,495 |
| Retained earnings to average equity (ytd only) | 6.8775% | 1,929 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1212% | 4,853 |
| Assets per employee ($millions) | 5.9214% | 1,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 5,810 |
| Loan loss allowance to noncurrent loans | 2,883.3333% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 7,021 |
| Noncurrent loans to loans | 0.0394% | 6,884 |
| Net loans and leases to total assets | 79.4353% | 598 |
| Net loans and leases to deposits | 86.7479% | 1,684 |
| Net loans and leases to core deposits | 91.0217% | 2,253 |
| Total domestic deposits to total assets | 91.5703% | 327 |
| Equity capital to assets | 8.0560% | 6,637 |
| Core capital (leverage) ratio | 8.0332% | 6,259 |
| Tier 1 risk-based capital ratio | 9.2591% | 7,147 |
| Total risk-based capital ratio | 10.3462% | 7,166 |
| Memoranda: | ||
| Average total assets | $177,209,330 | 3,412 |
| Average earning assets | $162,966,330 | 3,388 |
| Average equity | $14,976,330 | 3,909 |
| Average total loans | $143,257,000 | 2,788 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4939% | 1,318 |
| Cost of funding earning assets | 1.3162% | 2,093 |
| Net interest margin | 4.1777% | 1,971 |
| Noninterest income to average assets | 0.0491% | 7,142 |
| Noninterest expense to average assets | 2.5019% | 5,544 |
| Loan and lease loss provision to assets | 0.3507% | 2,457 |
| Net operating income to assets | 0.6243% | 3,897 |
| Return on assets (ROA) | 0.6243% | 3,965 |
| Pretax return on assets | 1.0779% | 2,839 |
| Return on Equity (ROE) | 7.2006% | 3,293 |
| Retained earnings to average equity (ytd only) | 7.2006% | 2,068 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6526% | 5,418 |
| Assets per employee ($millions) | 5.4655% | 1,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 6,066 |
| Loan loss allowance to noncurrent loans | 3,761.9048% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 7,116 |
| Noncurrent loans to loans | 0.0291% | 6,987 |
| Net loans and leases to total assets | 81.6205% | 372 |
| Net loans and leases to deposits | 89.5440% | 1,288 |
| Net loans and leases to core deposits | 93.3617% | 1,967 |
| Total domestic deposits to total assets | 91.1513% | 553 |
| Equity capital to assets | 8.5617% | 5,824 |
| Core capital (leverage) ratio | 8.5017% | 5,448 |
| Tier 1 risk-based capital ratio | 9.5724% | 7,132 |
| Total risk-based capital ratio | 10.6176% | 7,179 |
| Memoranda: | ||
| Average total assets | $171,071,500 | 3,539 |
| Average earning assets | $158,940,500 | 3,487 |
| Average equity | $14,832,000 | 3,933 |
| Average total loans | $138,761,500 | 2,912 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1987% | 3,616 |
| Cost of funding earning assets | 1.6828% | 1,673 |
| Net interest margin | 3.5160% | 5,183 |
| Noninterest income to average assets | 0.0496% | 7,107 |
| Noninterest expense to average assets | 2.6844% | 5,059 |
| Loan and lease loss provision to assets | 0.3490% | 4,035 |
| Net operating income to assets | 1.3457% | 1,063 |
| Return on assets (ROA) | 1.3457% | 1,139 |
| Pretax return on assets | 0.2945% | 5,244 |
| Return on Equity (ROE) | 15.4238% | 658 |
| Retained earnings to average equity (ytd only) | 15.4238% | 109 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6628% | 2,324 |
| Assets per employee ($millions) | 6.6899% | 868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 6,056 |
| Loan loss allowance to noncurrent loans | 3,404.7619% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 7,180 |
| Noncurrent loans to loans | 0.0315% | 7,053 |
| Net loans and leases to total assets | 78.7829% | 840 |
| Net loans and leases to deposits | 86.5472% | 1,999 |
| Net loans and leases to core deposits | 90.2554% | 2,729 |
| Total domestic deposits to total assets | 91.0288% | 589 |
| Equity capital to assets | 8.7834% | 5,460 |
| Core capital (leverage) ratio | 8.8272% | 4,812 |
| Tier 1 risk-based capital ratio | 10.1074% | 6,934 |
| Total risk-based capital ratio | 11.1267% | 7,026 |
| Memoranda: | ||
| Average total assets | $143,271,200 | 3,999 |
| Average earning assets | $133,590,800 | 3,939 |
| Average equity | $12,500,200 | 4,478 |
| Average total loans | $108,983,600 | 3,568 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1138% | 4,246 |
| Cost of funding earning assets | 1.7915% | 1,453 |
| Net interest margin | 3.3223% | 5,946 |
| Noninterest income to average assets | 0.0437% | 7,305 |
| Noninterest expense to average assets | 2.7846% | 4,553 |
| Loan and lease loss provision to assets | 0.3302% | 3,956 |
| Net operating income to assets | 0.0321% | 5,924 |
| Return on assets (ROA) | 0.0321% | 6,056 |
| Pretax return on assets | 0.0359% | 6,033 |
| Return on Equity (ROE) | 0.3681% | 6,037 |
| Retained earnings to average equity (ytd only) | 0.3681% | 5,645 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3785% | 1,425 |
| Assets per employee ($millions) | 6.4192% | 1,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0615% | 6,110 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 73.7606% | 1,845 |
| Net loans and leases to deposits | 80.3861% | 3,377 |
| Net loans and leases to core deposits | 84.0202% | 3,932 |
| Total domestic deposits to total assets | 91.7579% | 240 |
| Equity capital to assets | 7.9499% | 6,843 |
| Core capital (leverage) ratio | 8.0779% | 6,232 |
| Tier 1 risk-based capital ratio | 10.0144% | 7,063 |
| Total risk-based capital ratio | 11.0213% | 7,157 |
| Memoranda: | ||
| Average total assets | $137,277,250 | 4,159 |
| Average earning assets | $128,380,500 | 4,100 |
| Average equity | $11,952,750 | 4,691 |
| Average total loans | $102,931,500 | 3,767 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9805% | 5,029 |
| Cost of funding earning assets | 1.7801% | 1,720 |
| Net interest margin | 3.2004% | 6,317 |
| Noninterest income to average assets | 0.0479% | 7,342 |
| Noninterest expense to average assets | 2.9118% | 4,031 |
| Loan and lease loss provision to assets | 0.3165% | 3,846 |
| Net operating income to assets | -0.1390% | 6,275 |
| Return on assets (ROA) | -0.1390% | 6,345 |
| Pretax return on assets | -0.1328% | 6,280 |
| Return on Equity (ROE) | -1.5405% | 6,382 |
| Retained earnings to average equity (ytd only) | -1.5405% | 6,076 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0648% | 1,067 |
| Assets per employee ($millions) | 6.3705% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0428% | 6,220 |
| Loan loss allowance to noncurrent loans | 2,414.8936% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 7,319 |
| Noncurrent loans to loans | 0.0432% | 7,206 |
| Net loans and leases to total assets | 73.5082% | 2,028 |
| Net loans and leases to deposits | 80.8675% | 3,455 |
| Net loans and leases to core deposits | 85.5284% | 3,901 |
| Total domestic deposits to total assets | 90.8996% | 531 |
| Equity capital to assets | 8.5919% | 6,029 |
| Core capital (leverage) ratio | 9.4609% | 3,877 |
| Tier 1 risk-based capital ratio | 10.6176% | 6,594 |
| Total risk-based capital ratio | 11.5826% | 6,794 |
| Memoranda: | ||
| Average total assets | $129,543,000 | 4,363 |
| Average earning assets | $123,361,330 | 4,243 |
| Average equity | $11,684,330 | 4,763 |
| Average total loans | $97,361,670 | 3,978 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0201% | 4,929 |
| Cost of funding earning assets | 1.7944% | 1,901 |
| Net interest margin | 3.2257% | 6,211 |
| Noninterest income to average assets | 0.0529% | 7,454 |
| Noninterest expense to average assets | 3.0565% | 3,452 |
| Loan and lease loss provision to assets | 0.3470% | 3,301 |
| Net operating income to assets | -0.2379% | 6,589 |
| Return on assets (ROA) | -0.2379% | 6,659 |
| Pretax return on assets | -0.2379% | 6,590 |
| Return on Equity (ROE) | -2.5641% | 6,706 |
| Retained earnings to average equity (ytd only) | -2.5641% | 6,305 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5553% | 994 |
| Assets per employee ($millions) | 5.5007% | 1,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 6,082 |
| Loan loss allowance to noncurrent loans | 2,202.1277% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0388% | 7,398 |
| Noncurrent loans to loans | 0.0493% | 7,284 |
| Net loans and leases to total assets | 77.9945% | 1,153 |
| Net loans and leases to deposits | 86.1468% | 2,557 |
| Net loans and leases to core deposits | 90.4114% | 3,309 |
| Total domestic deposits to total assets | 90.5367% | 720 |
| Equity capital to assets | 9.2179% | 4,968 |
| Core capital (leverage) ratio | 9.2501% | 4,140 |
| Tier 1 risk-based capital ratio | 10.8849% | 6,261 |
| Total risk-based capital ratio | 11.9042% | 6,475 |
| Memoranda: | ||
| Average total assets | $121,054,000 | 4,603 |
| Average earning assets | $116,811,000 | 4,450 |
| Average equity | $11,232,000 | 4,914 |
| Average total loans | $91,622,500 | 4,169 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7960% | 6,960 |
| Cost of funding earning assets | 2.3947% | 1,314 |
| Net interest margin | 2.4013% | 7,510 |
| Noninterest income to average assets | 0.0942% | 7,297 |
| Noninterest expense to average assets | 3.3370% | 2,882 |
| Loan and lease loss provision to assets | 0.5445% | 3,645 |
| Net operating income to assets | -1.4889% | 6,849 |
| Return on assets (ROA) | -1.4889% | 6,864 |
| Pretax return on assets | -1.4848% | 6,695 |
| Return on Equity (ROE) | -12.0081% | 6,768 |
| Retained earnings to average equity (ytd only) | -12.0081% | 6,683 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.2311% | 391 |
| Assets per employee ($millions) | 5.5042% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 6,091 |
| Loan loss allowance to noncurrent loans | 2,021.7391% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 7,421 |
| Noncurrent loans to loans | 0.0524% | 7,294 |
| Net loans and leases to total assets | 71.7589% | 2,820 |
| Net loans and leases to deposits | 79.3098% | 4,116 |
| Net loans and leases to core deposits | 118.8129% | 2,054 |
| Total domestic deposits to total assets | 90.4792% | 751 |
| Equity capital to assets | 9.3391% | 4,654 |
| Core capital (leverage) ratio | 9.6436% | 3,531 |
| Tier 1 risk-based capital ratio | 11.7114% | 5,185 |
| Total risk-based capital ratio | 12.6863% | 5,427 |
| Memoranda: | ||
| Average total assets | $95,504,000 | 5,225 |
| Average earning assets | $91,575,600 | 5,076 |
| Average equity | $11,842,000 | 4,789 |
| Average total loans | $65,528,000 | 5,046 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7123% | 7,267 |
| Cost of funding earning assets | 2.5000% | 1,303 |
| Net interest margin | 2.2123% | 7,702 |
| Noninterest income to average assets | 0.1062% | 7,376 |
| Noninterest expense to average assets | 3.4939% | 2,300 |
| Loan and lease loss provision to assets | 0.5836% | 3,051 |
| Net operating income to assets | -1.8599% | 7,260 |
| Return on assets (ROA) | -1.8599% | 7,261 |
| Pretax return on assets | -1.8539% | 7,114 |
| Return on Equity (ROE) | -13.8393% | 7,125 |
| Retained earnings to average equity (ytd only) | -13.8393% | 7,064 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.1332% | 281 |
| Assets per employee ($millions) | 4.8371% | 2,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9950% | 6,327 |
| Loan loss allowance to noncurrent loans | 1,739.1304% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 7,464 |
| Noncurrent loans to loans | 0.0572% | 7,362 |
| Net loans and leases to total assets | 74.7989% | 2,290 |
| Net loans and leases to deposits | 84.1212% | 3,621 |
| Net loans and leases to core deposits | 136.6349% | 1,070 |
| Total domestic deposits to total assets | 88.9180% | 1,234 |
| Equity capital to assets | 10.7916% | 3,215 |
| Core capital (leverage) ratio | 11.5549% | 2,041 |
| Tier 1 risk-based capital ratio | 13.1444% | 4,090 |
| Total risk-based capital ratio | 14.0727% | 4,248 |
| Memoranda: | ||
| Average total assets | $89,106,750 | 5,451 |
| Average earning assets | $85,277,750 | 5,328 |
| Average equity | $11,975,250 | 4,799 |
| Average total loans | $59,953,750 | 5,292 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5270% | 7,603 |
| Cost of funding earning assets | 2.5654% | 1,388 |
| Net interest margin | 1.9616% | 7,882 |
| Noninterest income to average assets | 0.1032% | 7,463 |
| Noninterest expense to average assets | 3.6766% | 1,884 |
| Loan and lease loss provision to assets | 0.5640% | 2,765 |
| Net operating income to assets | -2.2631% | 7,498 |
| Return on assets (ROA) | -2.2631% | 7,496 |
| Pretax return on assets | -2.2583% | 7,361 |
| Return on Equity (ROE) | -15.5367% | 7,358 |
| Retained earnings to average equity (ytd only) | -15.5367% | 7,271 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 185.4722% | 232 |
| Assets per employee ($millions) | 4.4792% | 2,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9535% | 6,534 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 71.2270% | 3,416 |
| Net loans and leases to deposits | 81.6454% | 4,281 |
| Net loans and leases to core deposits | 128.1517% | 1,703 |
| Total domestic deposits to total assets | 87.2395% | 2,130 |
| Equity capital to assets | 12.4596% | 1,940 |
| Core capital (leverage) ratio | 12.9749% | 1,439 |
| Tier 1 risk-based capital ratio | 15.7784% | 2,703 |
| Total risk-based capital ratio | 16.6553% | 2,784 |
| Memoranda: | ||
| Average total assets | $83,337,000 | 5,690 |
| Average earning assets | $79,833,000 | 5,535 |
| Average equity | $12,139,000 | 4,774 |
| Average total loans | $53,139,000 | 5,632 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0130% | 7,989 |
| Cost of funding earning assets | 2.6538% | 1,398 |
| Net interest margin | 1.3593% | 8,095 |
| Noninterest income to average assets | 0.0821% | 7,644 |
| Noninterest expense to average assets | 3.7141% | 1,627 |
| Loan and lease loss provision to assets | 0.4360% | 2,748 |
| Net operating income to assets | -2.7753% | 7,810 |
| Return on assets (ROA) | -2.7753% | 7,814 |
| Pretax return on assets | -2.7753% | 7,712 |
| Return on Equity (ROE) | -17.5244% | 7,697 |
| Retained earnings to average equity (ytd only) | -17.5244% | 7,568 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 270.1493% | 112 |
| Assets per employee ($millions) | 4.1768% | 3,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 6,397 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 60.8133% | 5,530 |
| Net loans and leases to deposits | 71.2876% | 5,832 |
| Net loans and leases to core deposits | 107.5973% | 3,733 |
| Total domestic deposits to total assets | 85.3069% | 3,059 |
| Equity capital to assets | 14.4788% | 1,241 |
| Core capital (leverage) ratio | 15.5419% | 858 |
| Tier 1 risk-based capital ratio | 20.5739% | 1,510 |
| Total risk-based capital ratio | 21.4235% | 1,548 |
| Memoranda: | ||
| Average total assets | $77,973,500 | 5,888 |
| Average earning assets | $74,158,500 | 5,762 |
| Average equity | $12,348,500 | 4,737 |
| Average total loans | $45,886,500 | 5,970 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8041% | 8,122 |
| Cost of funding earning assets | 1.9493% | 6,573 |
| Net interest margin | 1.8548% | 8,119 |
| Noninterest income to average assets | 0.0767% | 7,757 |
| Noninterest expense to average assets | 5.3286% | 546 |
| Loan and lease loss provision to assets | 0.8739% | 1,706 |
| Net operating income to assets | -4.3674% | 8,035 |
| Return on assets (ROA) | -4.3674% | 8,021 |
| Pretax return on assets | -4.3674% | 7,951 |
| Return on Equity (ROE) | -15.1280% | 7,593 |
| Retained earnings to average equity (ytd only) | -15.1280% | 7,467 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 290.3600% | 112 |
| Assets per employee ($millions) | 4.0228% | 3,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 5,902 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 55.3328% | 6,516 |
| Net loans and leases to deposits | 67.1139% | 6,542 |
| Net loans and leases to core deposits | 98.4205% | 4,999 |
| Total domestic deposits to total assets | 82.4460% | 4,026 |
| Equity capital to assets | 17.4034% | 728 |
| Core capital (leverage) ratio | 21.2084% | 362 |
| Tier 1 risk-based capital ratio | 26.1554% | 890 |
| Total risk-based capital ratio | 27.0128% | 897 |
| Memoranda: | ||
| Average total assets | $46,916,200 | 6,900 |
| Average earning assets | $44,478,000 | 6,837 |
| Average equity | $13,544,400 | 4,438 |
| Average total loans | $19,607,000 | 7,355 |