Home > Reliant Bank > Performance and Condition Ratios
Reliant Bank, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9353% | 282 |
| Cost of funding earning assets | 0.5099% | 887 |
| Net interest margin | 4.4253% | 312 |
| Noninterest income to average assets | 0.9406% | 1,114 |
| Noninterest expense to average assets | 2.8087% | 1,340 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.7917% | 517 |
| Return on assets (ROA) | 1.9044% | 428 |
| Pretax return on assets | 2.3284% | 332 |
| Return on Equity (ROE) | 14.2021% | 1,129 |
| Retained earnings to average equity (ytd only) | 9.2710% | 1,110 |
| Net charge-offs to loans | 0.0326% | 1,584 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 82.1203% | 980 |
| Efficiency ratio | 55.0623% | 3,809 |
| Assets per employee ($millions) | 7.7034% | 1,493 |
| Cash dividends to net income (ytd only)* | 34.7210% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8057% | 4,258 |
| Loan loss allowance to noncurrent loans | 437.5552% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 2,465 |
| Noncurrent loans to loans | 0.1841% | 3,021 |
| Net loans and leases to total assets | 81.4659% | 202 |
| Net loans and leases to deposits | 97.1358% | 276 |
| Net loans and leases to core deposits | 109.5038% | 292 |
| Total domestic deposits to total assets | 83.8681% | 3,597 |
| Equity capital to assets | 14.2152% | 629 |
| Core capital (leverage) ratio | 12.1743% | 1,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8810% | 2,284 |
| Memoranda: | ||
| Average total assets | $3,032,232,400 | 371 |
| Average earning assets | $2,775,659,600 | 370 |
| Average equity | $406,601,200 | 314 |
| Average total loans | $2,471,311,200 | 308 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9475% | 332 |
| Cost of funding earning assets | 0.6171% | 588 |
| Net interest margin | 4.3304% | 424 |
| Noninterest income to average assets | 0.9440% | 1,163 |
| Noninterest expense to average assets | 2.7369% | 1,488 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7403% | 753 |
| Return on assets (ROA) | 1.8593% | 621 |
| Pretax return on assets | 2.3419% | 429 |
| Return on Equity (ROE) | 14.0738% | 1,367 |
| Retained earnings to average equity (ytd only) | 10.4897% | 1,178 |
| Net charge-offs to loans | -0.0141% | 3,818 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5021% | 3,728 |
| Assets per employee ($millions) | 7.3484% | 1,653 |
| Cash dividends to net income (ytd only)* | 25.4669% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8521% | 4,270 |
| Loan loss allowance to noncurrent loans | 332.8078% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.3117% | 2,214 |
| Noncurrent loans to loans | 0.2560% | 2,907 |
| Net loans and leases to total assets | 80.9007% | 246 |
| Net loans and leases to deposits | 95.3294% | 365 |
| Net loans and leases to core deposits | 109.7654% | 329 |
| Total domestic deposits to total assets | 84.8644% | 3,163 |
| Equity capital to assets | 13.9269% | 752 |
| Core capital (leverage) ratio | 11.7595% | 1,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9789% | 1,978 |
| Memoranda: | ||
| Average total assets | $3,041,130,000 | 374 |
| Average earning assets | $2,786,220,500 | 374 |
| Average equity | $401,756,500 | 317 |
| Average total loans | $2,473,871,000 | 306 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9642% | 362 |
| Cost of funding earning assets | 0.6394% | 609 |
| Net interest margin | 4.3247% | 471 |
| Noninterest income to average assets | 0.8577% | 1,382 |
| Noninterest expense to average assets | 2.7236% | 1,528 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6785% | 908 |
| Return on assets (ROA) | 1.7691% | 806 |
| Pretax return on assets | 2.2298% | 546 |
| Return on Equity (ROE) | 13.6342% | 1,528 |
| Retained earnings to average equity (ytd only) | 9.9487% | 1,409 |
| Net charge-offs to loans | -0.0208% | 4,011 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2404% | 3,633 |
| Assets per employee ($millions) | 7.3573% | 1,556 |
| Cash dividends to net income (ytd only)* | 27.0310% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8192% | 4,336 |
| Loan loss allowance to noncurrent loans | 329.9747% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.2772% | 2,537 |
| Noncurrent loans to loans | 0.2483% | 3,059 |
| Net loans and leases to total assets | 81.8621% | 225 |
| Net loans and leases to deposits | 96.1299% | 380 |
| Net loans and leases to core deposits | 110.9988% | 336 |
| Total domestic deposits to total assets | 85.1577% | 3,033 |
| Equity capital to assets | 13.2049% | 892 |
| Core capital (leverage) ratio | 11.1405% | 1,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3031% | 2,607 |
| Memoranda: | ||
| Average total assets | $3,053,002,667 | 368 |
| Average earning assets | $2,798,698,667 | 371 |
| Average equity | $396,150,333 | 316 |
| Average total loans | $2,481,036,000 | 304 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9479% | 381 |
| Cost of funding earning assets | 0.4892% | 1,461 |
| Net interest margin | 4.4586% | 383 |
| Noninterest income to average assets | 0.9662% | 1,196 |
| Noninterest expense to average assets | 2.8162% | 1,331 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7881% | 806 |
| Return on assets (ROA) | 1.7126% | 968 |
| Pretax return on assets | 2.1613% | 734 |
| Return on Equity (ROE) | 13.3181% | 1,591 |
| Retained earnings to average equity (ytd only) | 9.9353% | 1,662 |
| Net charge-offs to loans | -0.0244% | 4,090 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5801% | 3,726 |
| Assets per employee ($millions) | 7.1772% | 1,664 |
| Cash dividends to net income (ytd only)* | 25.4002% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8503% | 4,295 |
| Loan loss allowance to noncurrent loans | 289.4041% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.2747% | 2,780 |
| Noncurrent loans to loans | 0.2938% | 3,048 |
| Net loans and leases to total assets | 79.4523% | 368 |
| Net loans and leases to deposits | 92.6536% | 560 |
| Net loans and leases to core deposits | 102.7357% | 610 |
| Total domestic deposits to total assets | 85.7520% | 2,835 |
| Equity capital to assets | 12.9434% | 929 |
| Core capital (leverage) ratio | 11.0642% | 1,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7882% | 2,380 |
| Memoranda: | ||
| Average total assets | $3,034,469,500 | 370 |
| Average earning assets | $2,779,050,500 | 371 |
| Average equity | $390,205,500 | 319 |
| Average total loans | $2,446,310,000 | 309 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8719% | 633 |
| Cost of funding earning assets | 0.6832% | 1,813 |
| Net interest margin | 4.1887% | 650 |
| Noninterest income to average assets | 0.7551% | 1,673 |
| Noninterest expense to average assets | 2.5293% | 2,757 |
| Loan and lease loss provision to assets | 0.2864% | 1,325 |
| Net operating income to assets | 1.4193% | 982 |
| Return on assets (ROA) | 1.4203% | 1,060 |
| Pretax return on assets | 1.7798% | 720 |
| Return on Equity (ROE) | 11.5624% | 1,453 |
| Retained earnings to average equity (ytd only) | 10.4455% | 506 |
| Net charge-offs to loans | 0.0124% | 2,889 |
| Credit loss provision to net charge-offs | 2,859.5890% | 342 |
| Earnings coverage of net charge-offs (x) | 206.3938% | 458 |
| Efficiency ratio | 53.6706% | 4,245 |
| Assets per employee ($millions) | 7.0529% | 1,546 |
| Cash dividends to net income (ytd only)* | 9.6597% | 3,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8429% | 4,338 |
| Loan loss allowance to noncurrent loans | 311.8163% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.2605% | 2,999 |
| Noncurrent loans to loans | 0.2703% | 3,225 |
| Net loans and leases to total assets | 80.4225% | 395 |
| Net loans and leases to deposits | 94.0802% | 655 |
| Net loans and leases to core deposits | 106.7762% | 612 |
| Total domestic deposits to total assets | 85.4829% | 2,580 |
| Equity capital to assets | 12.7740% | 1,191 |
| Core capital (leverage) ratio | 10.6446% | 2,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7057% | 2,362 |
| Memoranda: | ||
| Average total assets | $2,915,592,400 | 347 |
| Average earning assets | $2,673,790,600 | 347 |
| Average equity | $358,134,800 | 323 |
| Average total loans | $2,352,360,800 | 306 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7773% | 915 |
| Cost of funding earning assets | 0.7248% | 1,877 |
| Net interest margin | 4.0525% | 997 |
| Noninterest income to average assets | 0.6206% | 2,098 |
| Noninterest expense to average assets | 2.4436% | 3,013 |
| Loan and lease loss provision to assets | 0.3414% | 1,126 |
| Net operating income to assets | 1.2492% | 1,488 |
| Return on assets (ROA) | 1.3071% | 1,432 |
| Pretax return on assets | 1.6140% | 1,151 |
| Return on Equity (ROE) | 10.7531% | 1,759 |
| Retained earnings to average equity (ytd only) | 9.9940% | 765 |
| Net charge-offs to loans | 0.0082% | 2,821 |
| Credit loss provision to net charge-offs | 5,174.8252% | 221 |
| Earnings coverage of net charge-offs (x) | 287.1538% | 375 |
| Efficiency ratio | 54.8955% | 4,053 |
| Assets per employee ($millions) | 7.1110% | 1,424 |
| Cash dividends to net income (ytd only)* | 7.0597% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8071% | 4,350 |
| Loan loss allowance to noncurrent loans | 291.6336% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 3,100 |
| Noncurrent loans to loans | 0.2767% | 3,301 |
| Net loans and leases to total assets | 80.2807% | 591 |
| Net loans and leases to deposits | 94.9061% | 853 |
| Net loans and leases to core deposits | 113.1938% | 590 |
| Total domestic deposits to total assets | 84.5896% | 2,598 |
| Equity capital to assets | 12.1931% | 1,576 |
| Core capital (leverage) ratio | 10.4836% | 2,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1581% | 2,556 |
| Memoranda: | ||
| Average total assets | $2,889,828,750 | 342 |
| Average earning assets | $2,650,916,500 | 340 |
| Average equity | $351,268,250 | 321 |
| Average total loans | $2,328,374,250 | 304 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5444% | 1,792 |
| Cost of funding earning assets | 0.7807% | 1,929 |
| Net interest margin | 3.7637% | 1,946 |
| Noninterest income to average assets | 0.5200% | 2,492 |
| Noninterest expense to average assets | 2.2944% | 3,533 |
| Loan and lease loss provision to assets | 0.4154% | 957 |
| Net operating income to assets | 0.9959% | 2,343 |
| Return on assets (ROA) | 1.1113% | 2,052 |
| Pretax return on assets | 1.3832% | 1,766 |
| Return on Equity (ROE) | 9.1527% | 2,293 |
| Retained earnings to average equity (ytd only) | 9.1527% | 968 |
| Net charge-offs to loans | 0.0211% | 2,299 |
| Credit loss provision to net charge-offs | 2,448.1328% | 415 |
| Earnings coverage of net charge-offs (x) | 98.9212% | 705 |
| Efficiency ratio | 56.2057% | 3,915 |
| Assets per employee ($millions) | 7.1518% | 1,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7539% | 4,452 |
| Loan loss allowance to noncurrent loans | 241.8380% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.3371% | 2,956 |
| Noncurrent loans to loans | 0.3118% | 3,267 |
| Net loans and leases to total assets | 80.4957% | 541 |
| Net loans and leases to deposits | 94.7477% | 893 |
| Net loans and leases to core deposits | 113.3215% | 620 |
| Total domestic deposits to total assets | 84.9580% | 2,416 |
| Equity capital to assets | 12.0058% | 1,654 |
| Core capital (leverage) ratio | 10.2308% | 2,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4886% | 2,819 |
| Memoranda: | ||
| Average total assets | $2,840,968,333 | 341 |
| Average earning assets | $2,606,275,667 | 335 |
| Average equity | $344,947,333 | 326 |
| Average total loans | $2,285,337,000 | 306 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0345% | 904 |
| Cost of funding earning assets | 1.1390% | 934 |
| Net interest margin | 3.8955% | 1,685 |
| Noninterest income to average assets | 0.6322% | 1,891 |
| Noninterest expense to average assets | 2.8593% | 2,243 |
| Loan and lease loss provision to assets | 0.5703% | 495 |
| Net operating income to assets | 0.6124% | 3,565 |
| Return on assets (ROA) | 0.8070% | 2,969 |
| Pretax return on assets | 0.9512% | 2,995 |
| Return on Equity (ROE) | 6.2347% | 3,228 |
| Retained earnings to average equity (ytd only) | 6.2347% | 1,794 |
| Net charge-offs to loans | 0.0908% | 1,151 |
| Credit loss provision to net charge-offs | 814.6067% | 658 |
| Earnings coverage of net charge-offs (x) | 18.9522% | 1,453 |
| Efficiency ratio | 66.4161% | 2,894 |
| Assets per employee ($millions) | 6.7620% | 1,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8947% | 4,130 |
| Loan loss allowance to noncurrent loans | 374.0045% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.1863% | 3,745 |
| Noncurrent loans to loans | 0.2392% | 3,628 |
| Net loans and leases to total assets | 77.1645% | 1,103 |
| Net loans and leases to deposits | 96.6212% | 845 |
| Net loans and leases to core deposits | 124.4700% | 359 |
| Total domestic deposits to total assets | 79.8629% | 3,885 |
| Equity capital to assets | 12.9389% | 1,456 |
| Core capital (leverage) ratio | 10.5782% | 2,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9967% | 2,699 |
| Memoranda: | ||
| Average total assets | $2,034,076,000 | 444 |
| Average earning assets | $1,855,682,000 | 442 |
| Average equity | $263,300,000 | 397 |
| Average total loans | $1,568,741,500 | 409 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8058% | 2,028 |
| Cost of funding earning assets | 1.3571% | 643 |
| Net interest margin | 3.4487% | 3,594 |
| Noninterest income to average assets | 0.5820% | 2,307 |
| Noninterest expense to average assets | 2.7552% | 2,735 |
| Loan and lease loss provision to assets | 0.0671% | 2,678 |
| Net operating income to assets | 0.7185% | 3,807 |
| Return on assets (ROA) | 1.0954% | 2,560 |
| Pretax return on assets | 1.2999% | 2,504 |
| Return on Equity (ROE) | 8.7289% | 2,865 |
| Retained earnings to average equity (ytd only) | 5.7282% | 2,016 |
| Net charge-offs to loans | -0.0357% | 4,749 |
| Credit loss provision to net charge-offs | -254.9474% | 4,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4877% | 1,796 |
| Assets per employee ($millions) | 6.3042% | 1,416 |
| Cash dividends to net income (ytd only)* | 34.3764% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8690% | 4,089 |
| Loan loss allowance to noncurrent loans | 304.1838% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.2574% | 3,402 |
| Noncurrent loans to loans | 0.2857% | 3,421 |
| Net loans and leases to total assets | 75.6159% | 1,481 |
| Net loans and leases to deposits | 87.9782% | 1,846 |
| Net loans and leases to core deposits | 122.8356% | 405 |
| Total domestic deposits to total assets | 85.9485% | 2,088 |
| Equity capital to assets | 12.9509% | 1,557 |
| Core capital (leverage) ratio | 10.2970% | 3,194 |
| Tier 1 risk-based capital ratio | 11.9547% | 4,387 |
| Total risk-based capital ratio | 12.7871% | 4,492 |
| Memoranda: | ||
| Average total assets | $1,805,847,000 | 467 |
| Average earning assets | $1,647,565,400 | 469 |
| Average equity | $226,613,800 | 426 |
| Average total loans | $1,331,696,400 | 452 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8220% | 2,054 |
| Cost of funding earning assets | 1.3784% | 614 |
| Net interest margin | 3.4436% | 3,750 |
| Noninterest income to average assets | 0.5312% | 2,553 |
| Noninterest expense to average assets | 2.7404% | 2,750 |
| Loan and lease loss provision to assets | 0.0603% | 2,690 |
| Net operating income to assets | 0.6884% | 4,048 |
| Return on assets (ROA) | 1.0405% | 2,905 |
| Pretax return on assets | 1.2247% | 2,900 |
| Return on Equity (ROE) | 8.3630% | 3,169 |
| Retained earnings to average equity (ytd only) | 4.2758% | 3,260 |
| Net charge-offs to loans | -0.0608% | 4,883 |
| Credit loss provision to net charge-offs | -135.6902% | 4,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2504% | 1,664 |
| Assets per employee ($millions) | 6.2667% | 1,414 |
| Cash dividends to net income (ytd only)* | 48.8716% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8988% | 4,051 |
| Loan loss allowance to noncurrent loans | 273.0727% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.3474% | 3,121 |
| Noncurrent loans to loans | 0.3292% | 3,354 |
| Net loans and leases to total assets | 73.0564% | 1,987 |
| Net loans and leases to deposits | 83.9593% | 2,464 |
| Net loans and leases to core deposits | 125.5516% | 379 |
| Total domestic deposits to total assets | 87.0140% | 1,506 |
| Equity capital to assets | 12.1938% | 2,114 |
| Core capital (leverage) ratio | 9.5481% | 4,117 |
| Tier 1 risk-based capital ratio | 11.2905% | 4,764 |
| Total risk-based capital ratio | 12.1540% | 4,841 |
| Memoranda: | ||
| Average total assets | $1,782,921,250 | 471 |
| Average earning assets | $1,624,277,500 | 475 |
| Average equity | $221,830,000 | 438 |
| Average total loans | $1,302,763,500 | 462 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8181% | 2,006 |
| Cost of funding earning assets | 1.3571% | 624 |
| Net interest margin | 3.4611% | 3,712 |
| Noninterest income to average assets | 0.4950% | 2,702 |
| Noninterest expense to average assets | 2.8008% | 2,584 |
| Loan and lease loss provision to assets | 0.0227% | 3,351 |
| Net operating income to assets | 0.6521% | 4,160 |
| Return on assets (ROA) | 1.0294% | 2,887 |
| Pretax return on assets | 1.2032% | 2,892 |
| Return on Equity (ROE) | 8.2159% | 3,193 |
| Retained earnings to average equity (ytd only) | 4.9488% | 2,792 |
| Net charge-offs to loans | -0.0894% | 4,980 |
| Credit loss provision to net charge-offs | -34.9040% | 3,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4113% | 1,469 |
| Assets per employee ($millions) | 6.3649% | 1,302 |
| Cash dividends to net income (ytd only)* | 39.7658% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8809% | 4,165 |
| Loan loss allowance to noncurrent loans | 379.3821% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.2743% | 3,459 |
| Noncurrent loans to loans | 0.2322% | 3,713 |
| Net loans and leases to total assets | 73.1290% | 2,038 |
| Net loans and leases to deposits | 84.5607% | 2,428 |
| Net loans and leases to core deposits | 127.3809% | 361 |
| Total domestic deposits to total assets | 86.4810% | 1,827 |
| Equity capital to assets | 12.3551% | 1,934 |
| Core capital (leverage) ratio | 9.5802% | 4,066 |
| Tier 1 risk-based capital ratio | 11.4824% | 4,694 |
| Total risk-based capital ratio | 12.3287% | 4,787 |
| Memoranda: | ||
| Average total assets | $1,758,918,000 | 482 |
| Average earning assets | $1,599,622,330 | 478 |
| Average equity | $220,378,000 | 436 |
| Average total loans | $1,281,206,000 | 470 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7642% | 2,019 |
| Cost of funding earning assets | 1.3103% | 641 |
| Net interest margin | 3.4539% | 3,739 |
| Noninterest income to average assets | 0.4115% | 3,100 |
| Noninterest expense to average assets | 2.7843% | 2,624 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6103% | 4,205 |
| Return on assets (ROA) | 0.9923% | 2,911 |
| Pretax return on assets | 1.1543% | 2,962 |
| Return on Equity (ROE) | 7.8640% | 3,323 |
| Retained earnings to average equity (ytd only) | 4.0403% | 3,303 |
| Net charge-offs to loans | -0.1467% | 5,118 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8847% | 1,392 |
| Assets per employee ($millions) | 6.3292% | 1,332 |
| Cash dividends to net income (ytd only)* | 48.6224% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8925% | 4,191 |
| Loan loss allowance to noncurrent loans | 220.5945% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.3494% | 3,207 |
| Noncurrent loans to loans | 0.4046% | 3,134 |
| Net loans and leases to total assets | 71.6563% | 2,218 |
| Net loans and leases to deposits | 83.3131% | 2,466 |
| Net loans and leases to core deposits | 122.4459% | 468 |
| Total domestic deposits to total assets | 86.0085% | 2,280 |
| Equity capital to assets | 12.6623% | 1,649 |
| Core capital (leverage) ratio | 10.0149% | 3,586 |
| Tier 1 risk-based capital ratio | 12.0998% | 4,408 |
| Total risk-based capital ratio | 12.9491% | 4,518 |
| Memoranda: | ||
| Average total assets | $1,740,928,500 | 490 |
| Average earning assets | $1,582,215,000 | 485 |
| Average equity | $219,686,000 | 437 |
| Average total loans | $1,259,681,000 | 478 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8851% | 1,332 |
| Cost of funding earning assets | 1.0350% | 653 |
| Net interest margin | 3.8501% | 2,500 |
| Noninterest income to average assets | 0.6287% | 2,154 |
| Noninterest expense to average assets | 2.9048% | 2,337 |
| Loan and lease loss provision to assets | 0.0665% | 2,824 |
| Net operating income to assets | 0.9476% | 3,243 |
| Return on assets (ROA) | 1.1680% | 2,316 |
| Pretax return on assets | 1.3818% | 2,202 |
| Return on Equity (ROE) | 9.2468% | 2,862 |
| Retained earnings to average equity (ytd only) | 5.5355% | 2,463 |
| Net charge-offs to loans | -0.0113% | 4,530 |
| Credit loss provision to net charge-offs | -821.4286% | 4,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8228% | 2,415 |
| Assets per employee ($millions) | 6.5489% | 1,195 |
| Cash dividends to net income (ytd only)* | 40.1364% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8733% | 4,285 |
| Loan loss allowance to noncurrent loans | 259.3333% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.3019% | 3,365 |
| Noncurrent loans to loans | 0.3368% | 3,345 |
| Net loans and leases to total assets | 71.7809% | 2,302 |
| Net loans and leases to deposits | 85.8603% | 2,291 |
| Net loans and leases to core deposits | 122.3583% | 489 |
| Total domestic deposits to total assets | 83.6019% | 3,124 |
| Equity capital to assets | 12.5746% | 1,548 |
| Core capital (leverage) ratio | 10.1738% | 3,381 |
| Tier 1 risk-based capital ratio | 12.1893% | 4,302 |
| Total risk-based capital ratio | 13.0238% | 4,459 |
| Memoranda: | ||
| Average total assets | $1,557,156,400 | 529 |
| Average earning assets | $1,416,988,000 | 525 |
| Average equity | $196,695,800 | 458 |
| Average total loans | $1,115,196,200 | 512 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9021% | 1,150 |
| Cost of funding earning assets | 0.9642% | 702 |
| Net interest margin | 3.9379% | 2,166 |
| Noninterest income to average assets | 0.7139% | 1,818 |
| Noninterest expense to average assets | 2.9700% | 2,112 |
| Loan and lease loss provision to assets | 0.0668% | 2,645 |
| Net operating income to assets | 0.9962% | 3,100 |
| Return on assets (ROA) | 1.1847% | 2,294 |
| Pretax return on assets | 1.4529% | 2,050 |
| Return on Equity (ROE) | 9.3666% | 2,924 |
| Retained earnings to average equity (ytd only) | 5.2637% | 3,081 |
| Net charge-offs to loans | -0.0257% | 4,698 |
| Credit loss provision to net charge-offs | -363.1579% | 4,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6082% | 2,609 |
| Assets per employee ($millions) | 6.4555% | 1,209 |
| Cash dividends to net income (ytd only)* | 43.8043% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8864% | 4,318 |
| Loan loss allowance to noncurrent loans | 250.3042% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.3142% | 3,437 |
| Noncurrent loans to loans | 0.3541% | 3,384 |
| Net loans and leases to total assets | 71.2657% | 2,450 |
| Net loans and leases to deposits | 85.7002% | 2,396 |
| Net loans and leases to core deposits | 121.7581% | 523 |
| Total domestic deposits to total assets | 83.1570% | 3,244 |
| Equity capital to assets | 12.6028% | 1,519 |
| Core capital (leverage) ratio | 10.1669% | 3,447 |
| Tier 1 risk-based capital ratio | 12.1342% | 4,424 |
| Total risk-based capital ratio | 12.9706% | 4,542 |
| Memoranda: | ||
| Average total assets | $1,515,857,750 | 535 |
| Average earning assets | $1,380,585,500 | 532 |
| Average equity | $191,725,250 | 463 |
| Average total loans | $1,082,192,500 | 522 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9744% | 870 |
| Cost of funding earning assets | 0.9109% | 703 |
| Net interest margin | 4.0635% | 1,660 |
| Noninterest income to average assets | 0.7257% | 1,763 |
| Noninterest expense to average assets | 3.0452% | 1,922 |
| Loan and lease loss provision to assets | 0.0598% | 2,707 |
| Net operating income to assets | 1.0256% | 2,913 |
| Return on assets (ROA) | 1.2086% | 2,158 |
| Pretax return on assets | 1.5144% | 1,764 |
| Return on Equity (ROE) | 9.5428% | 2,778 |
| Retained earnings to average equity (ytd only) | 3.1687% | 3,982 |
| Net charge-offs to loans | -0.0004% | 3,857 |
| Credit loss provision to net charge-offs | -21,850.0000% | 4,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1901% | 2,783 |
| Assets per employee ($millions) | 6.7512% | 1,038 |
| Cash dividends to net income (ytd only)* | 66.7950% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8665% | 4,492 |
| Loan loss allowance to noncurrent loans | 230.4850% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.3913% | 3,175 |
| Noncurrent loans to loans | 0.3759% | 3,347 |
| Net loans and leases to total assets | 70.3398% | 2,530 |
| Net loans and leases to deposits | 87.0417% | 2,214 |
| Net loans and leases to core deposits | 119.1516% | 580 |
| Total domestic deposits to total assets | 80.8116% | 4,052 |
| Equity capital to assets | 12.6176% | 1,481 |
| Core capital (leverage) ratio | 9.9762% | 3,603 |
| Tier 1 risk-based capital ratio | 12.1394% | 4,412 |
| Total risk-based capital ratio | 12.9629% | 4,553 |
| Memoranda: | ||
| Average total assets | $1,461,668,000 | 549 |
| Average earning assets | $1,334,461,670 | 550 |
| Average equity | $185,124,000 | 473 |
| Average total loans | $1,040,643,000 | 538 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2376% | 458 |
| Cost of funding earning assets | 0.9021% | 587 |
| Net interest margin | 4.3355% | 891 |
| Noninterest income to average assets | 0.8674% | 1,237 |
| Noninterest expense to average assets | 3.3333% | 1,287 |
| Loan and lease loss provision to assets | 0.0401% | 2,950 |
| Net operating income to assets | 1.1375% | 2,261 |
| Return on assets (ROA) | 1.2737% | 1,737 |
| Pretax return on assets | 1.6044% | 1,386 |
| Return on Equity (ROE) | 10.0337% | 2,406 |
| Retained earnings to average equity (ytd only) | 7.7260% | 1,950 |
| Net charge-offs to loans | 0.0567% | 1,543 |
| Credit loss provision to net charge-offs | 99.2754% | 1,606 |
| Earnings coverage of net charge-offs (x) | 37.3116% | 1,105 |
| Efficiency ratio | 67.4129% | 2,929 |
| Assets per employee ($millions) | 6.0671% | 1,457 |
| Cash dividends to net income (ytd only)* | 22.9991% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8606% | 4,597 |
| Loan loss allowance to noncurrent loans | 151.2984% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.5026% | 2,849 |
| Noncurrent loans to loans | 0.5688% | 2,838 |
| Net loans and leases to total assets | 69.7184% | 2,525 |
| Net loans and leases to deposits | 82.9952% | 2,502 |
| Net loans and leases to core deposits | 117.7539% | 664 |
| Total domestic deposits to total assets | 84.0029% | 3,325 |
| Equity capital to assets | 12.9936% | 1,249 |
| Core capital (leverage) ratio | 10.0642% | 3,458 |
| Tier 1 risk-based capital ratio | 12.6365% | 4,150 |
| Total risk-based capital ratio | 13.4360% | 4,339 |
| Memoranda: | ||
| Average total assets | $1,365,484,500 | 585 |
| Average earning assets | $1,251,725,500 | 581 |
| Average equity | $173,336,500 | 500 |
| Average total loans | $974,157,500 | 574 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2911% | 2,357 |
| Cost of funding earning assets | 0.6054% | 1,562 |
| Net interest margin | 3.6857% | 2,852 |
| Noninterest income to average assets | 0.6034% | 2,430 |
| Noninterest expense to average assets | 2.7697% | 2,893 |
| Loan and lease loss provision to assets | 0.1306% | 1,759 |
| Net operating income to assets | 0.8184% | 3,080 |
| Return on assets (ROA) | 0.9175% | 2,639 |
| Pretax return on assets | 1.2269% | 2,655 |
| Return on Equity (ROE) | 7.7442% | 2,925 |
| Retained earnings to average equity (ytd only) | 5.9506% | 1,569 |
| Net charge-offs to loans | 0.0900% | 2,190 |
| Credit loss provision to net charge-offs | 197.3013% | 1,385 |
| Earnings coverage of net charge-offs (x) | 18.9865% | 2,046 |
| Efficiency ratio | 68.0404% | 2,888 |
| Assets per employee ($millions) | 6.6857% | 1,111 |
| Cash dividends to net income (ytd only)* | 23.1610% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 2,837 |
| Loan loss allowance to noncurrent loans | 188.5487% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.4595% | 3,030 |
| Noncurrent loans to loans | 0.6312% | 2,640 |
| Net loans and leases to total assets | 71.9323% | 2,247 |
| Net loans and leases to deposits | 91.2688% | 1,616 |
| Net loans and leases to core deposits | 149.6725% | 135 |
| Total domestic deposits to total assets | 78.8137% | 4,575 |
| Equity capital to assets | 12.2653% | 1,660 |
| Core capital (leverage) ratio | 11.6833% | 1,805 |
| Tier 1 risk-based capital ratio | 13.6696% | 3,536 |
| Total risk-based capital ratio | 14.7435% | 3,541 |
| Memoranda: | ||
| Average total assets | $1,007,545,400 | 733 |
| Average earning assets | $935,771,600 | 726 |
| Average equity | $119,366,800 | 691 |
| Average total loans | $740,919,600 | 710 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3034% | 2,250 |
| Cost of funding earning assets | 0.5475% | 1,914 |
| Net interest margin | 3.7559% | 2,554 |
| Noninterest income to average assets | 0.6124% | 2,408 |
| Noninterest expense to average assets | 2.8304% | 2,631 |
| Loan and lease loss provision to assets | 0.1628% | 1,251 |
| Net operating income to assets | 0.8701% | 3,175 |
| Return on assets (ROA) | 0.9854% | 2,677 |
| Pretax return on assets | 1.2209% | 2,821 |
| Return on Equity (ROE) | 8.4028% | 2,928 |
| Retained earnings to average equity (ytd only) | 5.9156% | 2,301 |
| Net charge-offs to loans | 0.1208% | 1,583 |
| Credit loss provision to net charge-offs | 182.7217% | 1,448 |
| Earnings coverage of net charge-offs (x) | 14.2156% | 2,304 |
| Efficiency ratio | 68.2662% | 2,826 |
| Assets per employee ($millions) | 6.1888% | 1,387 |
| Cash dividends to net income (ytd only)* | 29.6005% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 2,633 |
| Loan loss allowance to noncurrent loans | 186.8907% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.4952% | 3,081 |
| Noncurrent loans to loans | 0.6696% | 2,696 |
| Net loans and leases to total assets | 73.0306% | 2,093 |
| Net loans and leases to deposits | 90.1111% | 1,795 |
| Net loans and leases to core deposits | 151.2680% | 115 |
| Total domestic deposits to total assets | 81.0451% | 4,033 |
| Equity capital to assets | 12.8965% | 1,444 |
| Core capital (leverage) ratio | 12.2035% | 1,573 |
| Tier 1 risk-based capital ratio | 14.2904% | 3,307 |
| Total risk-based capital ratio | 15.4202% | 3,268 |
| Memoranda: | ||
| Average total assets | $978,633,750 | 760 |
| Average earning assets | $907,943,500 | 752 |
| Average equity | $114,767,750 | 715 |
| Average total loans | $721,732,250 | 730 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2084% | 2,438 |
| Cost of funding earning assets | 0.4964% | 2,192 |
| Net interest margin | 3.7120% | 2,616 |
| Noninterest income to average assets | 0.5001% | 3,027 |
| Noninterest expense to average assets | 2.7831% | 2,818 |
| Loan and lease loss provision to assets | 0.1367% | 1,516 |
| Net operating income to assets | 0.7937% | 3,427 |
| Return on assets (ROA) | 0.9717% | 2,608 |
| Pretax return on assets | 1.1992% | 2,775 |
| Return on Equity (ROE) | 8.5961% | 2,724 |
| Retained earnings to average equity (ytd only) | 4.6433% | 2,949 |
| Net charge-offs to loans | 0.0997% | 1,626 |
| Credit loss provision to net charge-offs | 186.0795% | 1,334 |
| Earnings coverage of net charge-offs (x) | 15.7244% | 2,014 |
| Efficiency ratio | 69.7244% | 2,718 |
| Assets per employee ($millions) | 6.2261% | 1,300 |
| Cash dividends to net income (ytd only)* | 45.9837% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 2,502 |
| Loan loss allowance to noncurrent loans | 153.6509% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.6093% | 2,738 |
| Noncurrent loans to loans | 0.8345% | 2,320 |
| Net loans and leases to total assets | 72.0829% | 2,188 |
| Net loans and leases to deposits | 85.9822% | 2,226 |
| Net loans and leases to core deposits | 151.8207% | 114 |
| Total domestic deposits to total assets | 83.8346% | 3,266 |
| Equity capital to assets | 11.0489% | 2,751 |
| Core capital (leverage) ratio | 10.2876% | 3,161 |
| Tier 1 risk-based capital ratio | 12.0833% | 4,577 |
| Total risk-based capital ratio | 13.2318% | 4,532 |
| Memoranda: | ||
| Average total assets | $958,273,000 | 780 |
| Average earning assets | $887,603,000 | 772 |
| Average equity | $108,328,000 | 759 |
| Average total loans | $705,998,330 | 742 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1494% | 2,475 |
| Cost of funding earning assets | 0.4632% | 2,393 |
| Net interest margin | 3.6861% | 2,530 |
| Noninterest income to average assets | 0.4905% | 3,044 |
| Noninterest expense to average assets | 2.7682% | 2,896 |
| Loan and lease loss provision to assets | 0.1747% | 1,009 |
| Net operating income to assets | 0.7615% | 3,418 |
| Return on assets (ROA) | 0.9673% | 2,497 |
| Pretax return on assets | 1.1630% | 2,729 |
| Return on Equity (ROE) | 8.4545% | 2,694 |
| Retained earnings to average equity (ytd only) | 6.9608% | 1,862 |
| Net charge-offs to loans | 0.2314% | 780 |
| Credit loss provision to net charge-offs | 101.9950% | 1,543 |
| Earnings coverage of net charge-offs (x) | 6.5885% | 2,204 |
| Efficiency ratio | 70.0581% | 2,880 |
| Assets per employee ($millions) | 6.3247% | 1,277 |
| Cash dividends to net income (ytd only)* | 17.6678% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2849% | 2,610 |
| Loan loss allowance to noncurrent loans | 165.3629% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.5718% | 2,947 |
| Noncurrent loans to loans | 0.7770% | 2,521 |
| Net loans and leases to total assets | 72.6418% | 1,979 |
| Net loans and leases to deposits | 84.5134% | 2,218 |
| Net loans and leases to core deposits | 133.1759% | 223 |
| Total domestic deposits to total assets | 85.9530% | 2,688 |
| Equity capital to assets | 11.2712% | 2,370 |
| Core capital (leverage) ratio | 10.6891% | 2,695 |
| Tier 1 risk-based capital ratio | 12.5048% | 4,387 |
| Total risk-based capital ratio | 13.6676% | 4,336 |
| Memoranda: | ||
| Average total assets | $936,205,000 | 803 |
| Average earning assets | $865,194,500 | 803 |
| Average equity | $107,114,500 | 765 |
| Average total loans | $693,022,500 | 753 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3595% | 1,956 |
| Cost of funding earning assets | 0.4070% | 2,936 |
| Net interest margin | 3.9525% | 1,780 |
| Noninterest income to average assets | 0.9822% | 1,195 |
| Noninterest expense to average assets | 3.2289% | 1,729 |
| Loan and lease loss provision to assets | 0.1084% | 2,242 |
| Net operating income to assets | 0.9738% | 2,471 |
| Return on assets (ROA) | 1.0933% | 2,026 |
| Pretax return on assets | 1.4253% | 1,837 |
| Return on Equity (ROE) | 9.4256% | 2,223 |
| Retained earnings to average equity (ytd only) | 6.3710% | 1,514 |
| Net charge-offs to loans | -0.0437% | 5,360 |
| Credit loss provision to net charge-offs | -331.1644% | 5,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6973% | 3,131 |
| Assets per employee ($millions) | 6.3711% | 1,225 |
| Cash dividends to net income (ytd only)* | 32.4072% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3383% | 2,345 |
| Loan loss allowance to noncurrent loans | 161.1999% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.6184% | 2,876 |
| Noncurrent loans to loans | 0.8302% | 2,448 |
| Net loans and leases to total assets | 73.4892% | 1,934 |
| Net loans and leases to deposits | 87.6352% | 1,968 |
| Net loans and leases to core deposits | 148.6358% | 121 |
| Total domestic deposits to total assets | 83.8581% | 3,480 |
| Equity capital to assets | 11.6209% | 2,068 |
| Core capital (leverage) ratio | 10.7476% | 2,599 |
| Tier 1 risk-based capital ratio | 12.8780% | 4,150 |
| Total risk-based capital ratio | 14.1009% | 4,060 |
| Memoranda: | ||
| Average total assets | $892,171,400 | 815 |
| Average earning assets | $826,106,400 | 805 |
| Average equity | $103,484,400 | 763 |
| Average total loans | $667,565,200 | 744 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3816% | 1,915 |
| Cost of funding earning assets | 0.3979% | 3,043 |
| Net interest margin | 3.9837% | 1,702 |
| Noninterest income to average assets | 1.1379% | 888 |
| Noninterest expense to average assets | 3.3654% | 1,423 |
| Loan and lease loss provision to assets | 0.1142% | 2,025 |
| Net operating income to assets | 1.0198% | 2,334 |
| Return on assets (ROA) | 1.1361% | 1,969 |
| Pretax return on assets | 1.4853% | 1,759 |
| Return on Equity (ROE) | 9.7995% | 2,142 |
| Retained earnings to average equity (ytd only) | 8.4388% | 999 |
| Net charge-offs to loans | -0.0437% | 5,322 |
| Credit loss provision to net charge-offs | -348.6239% | 4,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7723% | 3,084 |
| Assets per employee ($millions) | 6.2578% | 1,261 |
| Cash dividends to net income (ytd only)* | 13.8853% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 2,679 |
| Loan loss allowance to noncurrent loans | 143.7602% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.6655% | 2,911 |
| Noncurrent loans to loans | 0.9058% | 2,434 |
| Net loans and leases to total assets | 72.5184% | 2,112 |
| Net loans and leases to deposits | 101.0851% | 634 |
| Net loans and leases to core deposits | 143.6545% | 167 |
| Total domestic deposits to total assets | 71.7400% | 5,606 |
| Equity capital to assets | 11.7804% | 2,279 |
| Core capital (leverage) ratio | 10.9359% | 2,526 |
| Tier 1 risk-based capital ratio | 12.9646% | 4,187 |
| Total risk-based capital ratio | 14.1623% | 4,129 |
| Memoranda: | ||
| Average total assets | $887,448,500 | 817 |
| Average earning assets | $823,637,250 | 805 |
| Average equity | $102,887,000 | 773 |
| Average total loans | $664,802,750 | 748 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5292% | 1,433 |
| Cost of funding earning assets | 0.4025% | 3,018 |
| Net interest margin | 4.1268% | 1,306 |
| Noninterest income to average assets | 1.4364% | 561 |
| Noninterest expense to average assets | 3.6227% | 978 |
| Loan and lease loss provision to assets | 0.1403% | 1,620 |
| Net operating income to assets | 1.1539% | 1,762 |
| Return on assets (ROA) | 1.1421% | 1,919 |
| Pretax return on assets | 1.4918% | 1,689 |
| Return on Equity (ROE) | 9.9070% | 2,089 |
| Retained earnings to average equity (ytd only) | 8.6206% | 964 |
| Net charge-offs to loans | -0.0756% | 5,528 |
| Credit loss provision to net charge-offs | -246.0000% | 4,766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0551% | 3,334 |
| Assets per employee ($millions) | 5.9233% | 1,454 |
| Cash dividends to net income (ytd only)* | 12.9844% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3080% | 2,740 |
| Loan loss allowance to noncurrent loans | 210.5161% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.5214% | 3,469 |
| Noncurrent loans to loans | 0.6213% | 3,208 |
| Net loans and leases to total assets | 74.2776% | 1,789 |
| Net loans and leases to deposits | 101.1804% | 616 |
| Net loans and leases to core deposits | 149.2488% | 129 |
| Total domestic deposits to total assets | 73.4111% | 5,575 |
| Equity capital to assets | 11.9390% | 2,169 |
| Core capital (leverage) ratio | 10.5891% | 2,860 |
| Tier 1 risk-based capital ratio | 12.4853% | 4,537 |
| Total risk-based capital ratio | 13.6665% | 4,495 |
| Memoranda: | ||
| Average total assets | $876,632,670 | 829 |
| Average earning assets | $812,987,000 | 817 |
| Average equity | $101,060,330 | 785 |
| Average total loans | $661,105,330 | 748 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4001% | 1,799 |
| Cost of funding earning assets | 0.4107% | 2,952 |
| Net interest margin | 3.9894% | 1,643 |
| Noninterest income to average assets | 1.7613% | 405 |
| Noninterest expense to average assets | 3.7905% | 787 |
| Loan and lease loss provision to assets | 0.0755% | 2,444 |
| Net operating income to assets | 1.2568% | 1,391 |
| Return on assets (ROA) | 1.1098% | 1,966 |
| Pretax return on assets | 1.4486% | 1,752 |
| Return on Equity (ROE) | 9.8033% | 2,073 |
| Retained earnings to average equity (ytd only) | 8.4889% | 1,268 |
| Net charge-offs to loans | -0.0619% | 5,436 |
| Credit loss provision to net charge-offs | -161.7647% | 4,314 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6562% | 3,353 |
| Assets per employee ($millions) | 4.2161% | 3,556 |
| Cash dividends to net income (ytd only)* | 13.4076% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 3,192 |
| Loan loss allowance to noncurrent loans | 186.3197% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.6311% | 3,167 |
| Noncurrent loans to loans | 0.6707% | 3,163 |
| Net loans and leases to total assets | 73.6111% | 1,797 |
| Net loans and leases to deposits | 97.1642% | 826 |
| Net loans and leases to core deposits | 148.8918% | 113 |
| Total domestic deposits to total assets | 75.7595% | 5,436 |
| Equity capital to assets | 11.6834% | 2,259 |
| Core capital (leverage) ratio | 10.3430% | 3,137 |
| Tier 1 risk-based capital ratio | 12.7462% | 4,435 |
| Total risk-based capital ratio | 13.9072% | 4,391 |
| Memoranda: | ||
| Average total assets | $873,665,500 | 833 |
| Average earning assets | $810,350,500 | 821 |
| Average equity | $98,905,500 | 801 |
| Average total loans | $659,539,000 | 752 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0732% | 542 |
| Cost of funding earning assets | 0.4761% | 2,386 |
| Net interest margin | 4.5971% | 551 |
| Noninterest income to average assets | 2.0916% | 338 |
| Noninterest expense to average assets | 4.8034% | 326 |
| Loan and lease loss provision to assets | -0.0431% | 5,725 |
| Net operating income to assets | 1.1536% | 1,714 |
| Return on assets (ROA) | 1.0440% | 2,238 |
| Pretax return on assets | 1.4776% | 1,627 |
| Return on Equity (ROE) | 9.2343% | 2,356 |
| Retained earnings to average equity (ytd only) | 5.5248% | 2,069 |
| Net charge-offs to loans | -0.1527% | 5,900 |
| Credit loss provision to net charge-offs | 36.4865% | 3,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7160% | 2,476 |
| Assets per employee ($millions) | 3.8886% | 4,137 |
| Cash dividends to net income (ytd only)* | 40.1712% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1647% | 3,678 |
| Loan loss allowance to noncurrent loans | 156.3349% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.7003% | 2,954 |
| Noncurrent loans to loans | 0.7450% | 2,944 |
| Net loans and leases to total assets | 75.5382% | 1,488 |
| Net loans and leases to deposits | 103.6762% | 458 |
| Net loans and leases to core deposits | 156.1859% | 87 |
| Total domestic deposits to total assets | 72.8597% | 5,743 |
| Equity capital to assets | 10.9624% | 2,860 |
| Core capital (leverage) ratio | 9.8755% | 3,680 |
| Tier 1 risk-based capital ratio | 12.2098% | 4,823 |
| Total risk-based capital ratio | 13.3442% | 4,795 |
| Memoranda: | ||
| Average total assets | $626,615,600 | 1,092 |
| Average earning assets | $582,471,600 | 1,074 |
| Average equity | $70,844,800 | 1,081 |
| Average total loans | $484,710,600 | 962 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3150% | 366 |
| Cost of funding earning assets | 0.4865% | 2,349 |
| Net interest margin | 4.8284% | 356 |
| Noninterest income to average assets | 2.2530% | 303 |
| Noninterest expense to average assets | 5.1244% | 259 |
| Loan and lease loss provision to assets | -0.1183% | 6,030 |
| Net operating income to assets | 1.2542% | 1,471 |
| Return on assets (ROA) | 1.0937% | 2,121 |
| Pretax return on assets | 1.5503% | 1,530 |
| Return on Equity (ROE) | 9.5606% | 2,291 |
| Retained earnings to average equity (ytd only) | 8.2164% | 1,155 |
| Net charge-offs to loans | -0.2003% | 5,995 |
| Credit loss provision to net charge-offs | 75.9878% | 2,670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2649% | 2,359 |
| Assets per employee ($millions) | 3.8814% | 4,121 |
| Cash dividends to net income (ytd only)* | 14.0602% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 3,783 |
| Loan loss allowance to noncurrent loans | 176.1079% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.5613% | 3,622 |
| Noncurrent loans to loans | 0.6679% | 3,328 |
| Net loans and leases to total assets | 73.9007% | 1,752 |
| Net loans and leases to deposits | 103.6181% | 465 |
| Net loans and leases to core deposits | 152.9613% | 98 |
| Total domestic deposits to total assets | 71.3203% | 5,909 |
| Equity capital to assets | 11.0780% | 2,928 |
| Core capital (leverage) ratio | 10.2601% | 3,298 |
| Tier 1 risk-based capital ratio | 12.2266% | 4,939 |
| Total risk-based capital ratio | 13.3301% | 4,945 |
| Memoranda: | ||
| Average total assets | $563,566,000 | 1,220 |
| Average earning assets | $523,966,750 | 1,209 |
| Average equity | $64,471,250 | 1,182 |
| Average total loans | $437,972,500 | 1,049 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7539% | 176 |
| Cost of funding earning assets | 0.5280% | 2,004 |
| Net interest margin | 5.2260% | 178 |
| Noninterest income to average assets | 2.3184% | 301 |
| Noninterest expense to average assets | 5.6810% | 205 |
| Loan and lease loss provision to assets | -0.2142% | 6,189 |
| Net operating income to assets | 1.1895% | 1,631 |
| Return on assets (ROA) | 1.1166% | 1,974 |
| Pretax return on assets | 1.5947% | 1,341 |
| Return on Equity (ROE) | 9.5757% | 2,267 |
| Retained earnings to average equity (ytd only) | 7.1873% | 1,623 |
| Net charge-offs to loans | -0.3083% | 6,127 |
| Credit loss provision to net charge-offs | 87.4126% | 2,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3236% | 2,015 |
| Assets per employee ($millions) | 3.7244% | 4,375 |
| Cash dividends to net income (ytd only)* | 24.9424% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2058% | 3,757 |
| Loan loss allowance to noncurrent loans | 166.7041% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.6929% | 3,324 |
| Noncurrent loans to loans | 0.7233% | 3,314 |
| Net loans and leases to total assets | 75.9720% | 1,373 |
| Net loans and leases to deposits | 101.0261% | 591 |
| Net loans and leases to core deposits | 149.6260% | 108 |
| Total domestic deposits to total assets | 75.2003% | 5,683 |
| Equity capital to assets | 11.4632% | 2,445 |
| Core capital (leverage) ratio | 10.5400% | 2,902 |
| Tier 1 risk-based capital ratio | 13.2002% | 4,395 |
| Total risk-based capital ratio | 14.4128% | 4,340 |
| Memoranda: | ||
| Average total assets | $466,782,330 | 1,454 |
| Average earning assets | $434,867,000 | 1,441 |
| Average equity | $54,429,330 | 1,384 |
| Average total loans | $371,109,330 | 1,245 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4726% | 1,543 |
| Cost of funding earning assets | 0.5927% | 1,484 |
| Net interest margin | 3.8800% | 1,965 |
| Noninterest income to average assets | 0.4590% | 3,582 |
| Noninterest expense to average assets | 2.6377% | 3,793 |
| Loan and lease loss provision to assets | 0.1534% | 1,328 |
| Net operating income to assets | 0.8712% | 2,891 |
| Return on assets (ROA) | 0.8712% | 3,014 |
| Pretax return on assets | 1.3275% | 2,163 |
| Return on Equity (ROE) | 7.3065% | 3,329 |
| Retained earnings to average equity (ytd only) | 3.9498% | 3,626 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0428% | 4,472 |
| Assets per employee ($millions) | 6.0888% | 1,341 |
| Cash dividends to net income (ytd only)* | 45.9418% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4028% | 2,906 |
| Loan loss allowance to noncurrent loans | 230.6892% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 4,004 |
| Noncurrent loans to loans | 0.6081% | 3,750 |
| Net loans and leases to total assets | 81.9102% | 471 |
| Net loans and leases to deposits | 100.9836% | 513 |
| Net loans and leases to core deposits | 133.3217% | 212 |
| Total domestic deposits to total assets | 81.1123% | 4,799 |
| Equity capital to assets | 11.8022% | 2,196 |
| Core capital (leverage) ratio | 11.9178% | 1,690 |
| Tier 1 risk-based capital ratio | 14.5270% | 3,705 |
| Total risk-based capital ratio | 15.7793% | 3,634 |
| Memoranda: | ||
| Average total assets | $299,805,000 | 2,197 |
| Average earning assets | $282,786,500 | 2,156 |
| Average equity | $35,749,000 | 2,023 |
| Average total loans | $248,783,500 | 1,751 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8271% | 1,055 |
| Cost of funding earning assets | 0.6815% | 1,201 |
| Net interest margin | 4.1455% | 1,447 |
| Noninterest income to average assets | 0.4704% | 3,711 |
| Noninterest expense to average assets | 2.6595% | 4,009 |
| Loan and lease loss provision to assets | 0.2070% | 1,211 |
| Net operating income to assets | 1.0625% | 2,117 |
| Return on assets (ROA) | 1.0625% | 2,177 |
| Pretax return on assets | 1.4882% | 1,587 |
| Return on Equity (ROE) | 8.3149% | 2,957 |
| Retained earnings to average equity (ytd only) | 3.4722% | 3,740 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0718% | 5,053 |
| Assets per employee ($millions) | 6.0238% | 1,358 |
| Cash dividends to net income (ytd only)* | 58.2414% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4032% | 2,937 |
| Loan loss allowance to noncurrent loans | 218.6624% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.5319% | 4,024 |
| Noncurrent loans to loans | 0.6417% | 3,763 |
| Net loans and leases to total assets | 81.7219% | 552 |
| Net loans and leases to deposits | 101.7823% | 524 |
| Net loans and leases to core deposits | 129.4485% | 254 |
| Total domestic deposits to total assets | 80.2909% | 4,941 |
| Equity capital to assets | 12.0497% | 1,982 |
| Core capital (leverage) ratio | 12.1763% | 1,514 |
| Tier 1 risk-based capital ratio | 14.1634% | 3,991 |
| Total risk-based capital ratio | 15.4129% | 3,916 |
| Memoranda: | ||
| Average total assets | $272,941,200 | 2,337 |
| Average earning assets | $255,744,600 | 2,305 |
| Average equity | $34,877,000 | 2,006 |
| Average total loans | $229,027,000 | 1,828 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8630% | 1,005 |
| Cost of funding earning assets | 0.6930% | 1,179 |
| Net interest margin | 4.1700% | 1,378 |
| Noninterest income to average assets | 0.4792% | 3,691 |
| Noninterest expense to average assets | 2.6772% | 3,908 |
| Loan and lease loss provision to assets | 0.2294% | 973 |
| Net operating income to assets | 0.9898% | 2,502 |
| Return on assets (ROA) | 0.9898% | 2,563 |
| Pretax return on assets | 1.4765% | 1,721 |
| Return on Equity (ROE) | 7.6261% | 3,388 |
| Retained earnings to average equity (ytd only) | 4.5103% | 3,442 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0808% | 5,025 |
| Assets per employee ($millions) | 5.9246% | 1,388 |
| Cash dividends to net income (ytd only)* | 40.8566% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4027% | 3,159 |
| Loan loss allowance to noncurrent loans | 189.4138% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.6310% | 3,937 |
| Noncurrent loans to loans | 0.7406% | 3,756 |
| Net loans and leases to total assets | 84.0061% | 339 |
| Net loans and leases to deposits | 107.0802% | 291 |
| Net loans and leases to core deposits | 131.5952% | 224 |
| Total domestic deposits to total assets | 78.4516% | 5,443 |
| Equity capital to assets | 12.7370% | 1,566 |
| Core capital (leverage) ratio | 12.6063% | 1,347 |
| Tier 1 risk-based capital ratio | 14.7487% | 3,733 |
| Total risk-based capital ratio | 15.9979% | 3,678 |
| Memoranda: | ||
| Average total assets | $267,384,500 | 2,392 |
| Average earning assets | $250,320,750 | 2,353 |
| Average equity | $34,704,500 | 2,020 |
| Average total loans | $225,121,250 | 1,869 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7768% | 1,113 |
| Cost of funding earning assets | 0.6964% | 1,206 |
| Net interest margin | 4.0804% | 1,574 |
| Noninterest income to average assets | 0.4437% | 3,915 |
| Noninterest expense to average assets | 2.7069% | 3,835 |
| Loan and lease loss provision to assets | 0.2419% | 923 |
| Net operating income to assets | 0.8836% | 2,892 |
| Return on assets (ROA) | 0.8836% | 2,981 |
| Pretax return on assets | 1.3076% | 2,227 |
| Return on Equity (ROE) | 6.7634% | 3,741 |
| Retained earnings to average equity (ytd only) | 4.0058% | 3,634 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5959% | 4,752 |
| Assets per employee ($millions) | 6.1019% | 1,220 |
| Cash dividends to net income (ytd only)* | 40.7725% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3934% | 3,389 |
| Loan loss allowance to noncurrent loans | 114.1067% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 1.0729% | 2,922 |
| Noncurrent loans to loans | 1.2211% | 2,794 |
| Net loans and leases to total assets | 82.1392% | 456 |
| Net loans and leases to deposits | 104.1120% | 358 |
| Net loans and leases to core deposits | 120.6759% | 358 |
| Total domestic deposits to total assets | 78.8951% | 5,481 |
| Equity capital to assets | 12.7145% | 1,534 |
| Core capital (leverage) ratio | 12.8238% | 1,231 |
| Tier 1 risk-based capital ratio | 14.9320% | 3,677 |
| Total risk-based capital ratio | 16.1833% | 3,617 |
| Memoranda: | ||
| Average total assets | $263,693,670 | 2,422 |
| Average earning assets | $246,397,670 | 2,386 |
| Average equity | $34,450,330 | 2,020 |
| Average total loans | $221,078,670 | 1,894 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7151% | 1,221 |
| Cost of funding earning assets | 0.7010% | 1,242 |
| Net interest margin | 4.0141% | 1,713 |
| Noninterest income to average assets | 0.4709% | 3,623 |
| Noninterest expense to average assets | 2.8097% | 3,525 |
| Loan and lease loss provision to assets | 0.1688% | 1,430 |
| Net operating income to assets | 0.8472% | 2,909 |
| Return on assets (ROA) | 0.8472% | 2,983 |
| Pretax return on assets | 1.2531% | 2,274 |
| Return on Equity (ROE) | 6.3940% | 3,808 |
| Retained earnings to average equity (ytd only) | 4.6406% | 3,332 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3982% | 4,466 |
| Assets per employee ($millions) | 5.8522% | 1,408 |
| Cash dividends to net income (ytd only)* | 27.4223% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3452% | 3,875 |
| Loan loss allowance to noncurrent loans | 229.3529% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.5510% | 4,500 |
| Noncurrent loans to loans | 0.5865% | 4,399 |
| Net loans and leases to total assets | 82.9022% | 301 |
| Net loans and leases to deposits | 106.2001% | 235 |
| Net loans and leases to core deposits | 122.7404% | 279 |
| Total domestic deposits to total assets | 78.0622% | 5,828 |
| Equity capital to assets | 13.0906% | 1,269 |
| Core capital (leverage) ratio | 13.4135% | 1,000 |
| Tier 1 risk-based capital ratio | 15.3498% | 3,520 |
| Total risk-based capital ratio | 16.5958% | 3,480 |
| Memoranda: | ||
| Average total assets | $258,248,000 | 2,476 |
| Average earning assets | $241,945,500 | 2,422 |
| Average equity | $34,219,500 | 2,023 |
| Average total loans | $217,253,500 | 1,917 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9837% | 945 |
| Cost of funding earning assets | 0.7805% | 1,320 |
| Net interest margin | 4.2031% | 1,344 |
| Noninterest income to average assets | 0.4413% | 4,147 |
| Noninterest expense to average assets | 2.9056% | 3,358 |
| Loan and lease loss provision to assets | 0.2188% | 1,667 |
| Net operating income to assets | 0.8231% | 3,171 |
| Return on assets (ROA) | 0.8231% | 3,264 |
| Pretax return on assets | 1.2552% | 2,339 |
| Return on Equity (ROE) | 5.8265% | 4,193 |
| Retained earnings to average equity (ytd only) | 3.9041% | 3,425 |
| Net charge-offs to loans | 0.0860% | 4,008 |
| Credit loss provision to net charge-offs | 305.2632% | 748 |
| Earnings coverage of net charge-offs (x) | 20.5673% | 1,543 |
| Efficiency ratio | 66.3445% | 4,502 |
| Assets per employee ($millions) | 5.5032% | 1,645 |
| Cash dividends to net income (ytd only)* | 32.9939% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3452% | 3,914 |
| Loan loss allowance to noncurrent loans | 220.6154% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.5740% | 4,509 |
| Noncurrent loans to loans | 0.6097% | 4,452 |
| Net loans and leases to total assets | 83.0901% | 321 |
| Net loans and leases to deposits | 106.7477% | 239 |
| Net loans and leases to core deposits | 131.2337% | 185 |
| Total domestic deposits to total assets | 77.8378% | 5,850 |
| Equity capital to assets | 13.4171% | 1,103 |
| Core capital (leverage) ratio | 13.6224% | 921 |
| Tier 1 risk-based capital ratio | 15.8480% | 3,177 |
| Total risk-based capital ratio | 17.0994% | 3,130 |
| Memoranda: | ||
| Average total assets | $238,609,000 | 2,631 |
| Average earning assets | $223,570,600 | 2,581 |
| Average equity | $33,708,200 | 2,045 |
| Average total loans | $198,815,400 | 2,013 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0032% | 938 |
| Cost of funding earning assets | 0.7956% | 1,351 |
| Net interest margin | 4.2076% | 1,305 |
| Noninterest income to average assets | 0.4619% | 4,063 |
| Noninterest expense to average assets | 2.9114% | 3,262 |
| Loan and lease loss provision to assets | 0.1668% | 2,172 |
| Net operating income to assets | 0.8687% | 2,998 |
| Return on assets (ROA) | 0.8687% | 3,108 |
| Pretax return on assets | 1.3300% | 2,213 |
| Return on Equity (ROE) | 6.0673% | 4,151 |
| Retained earnings to average equity (ytd only) | 5.9722% | 2,431 |
| Net charge-offs to loans | 0.0184% | 4,758 |
| Credit loss provision to net charge-offs | 1,088.8889% | 283 |
| Earnings coverage of net charge-offs (x) | 97.7014% | 507 |
| Efficiency ratio | 66.0445% | 4,468 |
| Assets per employee ($millions) | 5.2072% | 1,923 |
| Cash dividends to net income (ytd only)* | 1.5676% | 3,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3636% | 4,061 |
| Loan loss allowance to noncurrent loans | 214.3187% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.7536% | 4,223 |
| Noncurrent loans to loans | 0.6362% | 4,600 |
| Net loans and leases to total assets | 84.0760% | 243 |
| Net loans and leases to deposits | 108.0906% | 187 |
| Net loans and leases to core deposits | 129.8900% | 193 |
| Total domestic deposits to total assets | 77.7828% | 5,935 |
| Equity capital to assets | 14.2883% | 880 |
| Core capital (leverage) ratio | 14.3212% | 781 |
| Tier 1 risk-based capital ratio | 16.7544% | 2,837 |
| Total risk-based capital ratio | 18.0061% | 2,778 |
| Memoranda: | ||
| Average total assets | $234,974,500 | 2,687 |
| Average earning assets | $220,387,000 | 2,626 |
| Average equity | $33,644,000 | 2,065 |
| Average total loans | $195,217,250 | 2,048 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9658% | 964 |
| Cost of funding earning assets | 0.8115% | 1,363 |
| Net interest margin | 4.1543% | 1,395 |
| Noninterest income to average assets | 0.4823% | 3,949 |
| Noninterest expense to average assets | 2.9367% | 3,213 |
| Loan and lease loss provision to assets | 0.1979% | 1,917 |
| Net operating income to assets | 0.8096% | 3,236 |
| Return on assets (ROA) | 0.8096% | 3,392 |
| Pretax return on assets | 1.2336% | 2,546 |
| Return on Equity (ROE) | 5.6502% | 4,374 |
| Retained earnings to average equity (ytd only) | 5.5784% | 2,688 |
| Net charge-offs to loans | 0.0208% | 4,426 |
| Credit loss provision to net charge-offs | 1,155.0000% | 269 |
| Earnings coverage of net charge-offs (x) | 83.5500% | 541 |
| Efficiency ratio | 67.2289% | 4,320 |
| Assets per employee ($millions) | 5.2248% | 1,868 |
| Cash dividends to net income (ytd only)* | 1.2698% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 4,159 |
| Loan loss allowance to noncurrent loans | 211.4729% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.7779% | 4,277 |
| Noncurrent loans to loans | 0.6489% | 4,644 |
| Net loans and leases to total assets | 83.3941% | 273 |
| Net loans and leases to deposits | 108.2428% | 175 |
| Net loans and leases to core deposits | 124.6175% | 247 |
| Total domestic deposits to total assets | 77.0436% | 6,121 |
| Equity capital to assets | 14.3415% | 864 |
| Core capital (leverage) ratio | 14.5002% | 701 |
| Tier 1 risk-based capital ratio | 16.8938% | 2,747 |
| Total risk-based capital ratio | 18.1457% | 2,724 |
| Memoranda: | ||
| Average total assets | $233,455,670 | 2,710 |
| Average earning assets | $218,374,000 | 2,660 |
| Average equity | $33,450,330 | 2,083 |
| Average total loans | $192,232,330 | 2,080 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9888% | 906 |
| Cost of funding earning assets | 0.8438% | 1,284 |
| Net interest margin | 4.1450% | 1,341 |
| Noninterest income to average assets | 0.4711% | 3,985 |
| Noninterest expense to average assets | 2.9317% | 3,223 |
| Loan and lease loss provision to assets | 0.1651% | 2,216 |
| Net operating income to assets | 0.8099% | 3,103 |
| Return on assets (ROA) | 0.8099% | 3,237 |
| Pretax return on assets | 1.2346% | 2,450 |
| Return on Equity (ROE) | 5.6549% | 4,222 |
| Retained earnings to average equity (ytd only) | 5.6549% | 2,862 |
| Net charge-offs to loans | 0.0423% | 3,443 |
| Credit loss provision to net charge-offs | 480.0000% | 547 |
| Earnings coverage of net charge-offs (x) | 40.7000% | 781 |
| Efficiency ratio | 67.6856% | 4,371 |
| Assets per employee ($millions) | 5.3051% | 1,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3529% | 4,452 |
| Loan loss allowance to noncurrent loans | 203.0540% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 1.0787% | 3,773 |
| Noncurrent loans to loans | 0.6663% | 4,790 |
| Net loans and leases to total assets | 80.9986% | 351 |
| Net loans and leases to deposits | 103.7939% | 234 |
| Net loans and leases to core deposits | 116.9994% | 329 |
| Total domestic deposits to total assets | 78.0379% | 6,108 |
| Equity capital to assets | 14.3554% | 920 |
| Core capital (leverage) ratio | 14.3616% | 702 |
| Tier 1 risk-based capital ratio | 17.2602% | 2,658 |
| Total risk-based capital ratio | 18.5167% | 2,623 |
| Memoranda: | ||
| Average total assets | $232,626,000 | 2,752 |
| Average earning assets | $216,647,000 | 2,703 |
| Average equity | $33,316,000 | 2,113 |
| Average total loans | $188,948,500 | 2,126 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1318% | 1,237 |
| Cost of funding earning assets | 1.0229% | 1,237 |
| Net interest margin | 4.1089% | 1,968 |
| Noninterest income to average assets | 0.4439% | 4,293 |
| Noninterest expense to average assets | 2.9854% | 3,332 |
| Loan and lease loss provision to assets | 0.3085% | 2,210 |
| Net operating income to assets | 0.7166% | 3,658 |
| Return on assets (ROA) | 0.7274% | 3,861 |
| Pretax return on assets | 1.0400% | 3,401 |
| Return on Equity (ROE) | 4.8841% | 4,732 |
| Retained earnings to average equity (ytd only) | 3.2154% | 3,959 |
| Net charge-offs to loans | 0.2027% | 3,759 |
| Credit loss provision to net charge-offs | 195.6772% | 1,333 |
| Earnings coverage of net charge-offs (x) | 8.4553% | 2,411 |
| Efficiency ratio | 69.1320% | 3,952 |
| Assets per employee ($millions) | 5.2688% | 1,935 |
| Cash dividends to net income (ytd only)* | 34.1661% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3515% | 4,395 |
| Loan loss allowance to noncurrent loans | 189.5331% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 1.2772% | 3,517 |
| Noncurrent loans to loans | 0.7131% | 4,757 |
| Net loans and leases to total assets | 79.2470% | 542 |
| Net loans and leases to deposits | 102.8847% | 301 |
| Net loans and leases to core deposits | 116.0827% | 357 |
| Total domestic deposits to total assets | 77.0251% | 6,220 |
| Equity capital to assets | 14.2878% | 940 |
| Core capital (leverage) ratio | 14.2145% | 739 |
| Tier 1 risk-based capital ratio | 17.2846% | 2,531 |
| Total risk-based capital ratio | 18.5356% | 2,506 |
| Memoranda: | ||
| Average total assets | $220,103,000 | 2,839 |
| Average earning assets | $207,547,400 | 2,769 |
| Average equity | $32,779,600 | 2,105 |
| Average total loans | $171,197,800 | 2,298 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1301% | 1,358 |
| Cost of funding earning assets | 1.0428% | 1,318 |
| Net interest margin | 4.0874% | 2,136 |
| Noninterest income to average assets | 0.4396% | 4,371 |
| Noninterest expense to average assets | 3.0003% | 3,233 |
| Loan and lease loss provision to assets | 0.3585% | 1,815 |
| Net operating income to assets | 0.6697% | 4,044 |
| Return on assets (ROA) | 0.6845% | 4,244 |
| Pretax return on assets | 0.9688% | 3,828 |
| Return on Equity (ROE) | 4.5471% | 5,024 |
| Retained earnings to average equity (ytd only) | 4.2535% | 3,903 |
| Net charge-offs to loans | 0.2771% | 3,062 |
| Credit loss provision to net charge-offs | 167.8161% | 1,655 |
| Earnings coverage of net charge-offs (x) | 6.1149% | 2,849 |
| Efficiency ratio | 69.6650% | 3,756 |
| Assets per employee ($millions) | 5.1389% | 2,001 |
| Cash dividends to net income (ytd only)* | 6.4576% | 3,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3498% | 4,583 |
| Loan loss allowance to noncurrent loans | 184.1065% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 1.3038% | 3,687 |
| Noncurrent loans to loans | 0.7332% | 4,959 |
| Net loans and leases to total assets | 78.2534% | 701 |
| Net loans and leases to deposits | 103.2828% | 302 |
| Net loans and leases to core deposits | 118.7125% | 332 |
| Total domestic deposits to total assets | 75.7661% | 6,418 |
| Equity capital to assets | 14.7028% | 905 |
| Core capital (leverage) ratio | 14.5718% | 691 |
| Tier 1 risk-based capital ratio | 18.0255% | 2,330 |
| Total risk-based capital ratio | 19.2766% | 2,309 |
| Memoranda: | ||
| Average total assets | $217,172,000 | 2,889 |
| Average earning assets | $205,473,500 | 2,815 |
| Average equity | $32,693,750 | 2,128 |
| Average total loans | $167,439,000 | 2,367 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1058% | 1,489 |
| Cost of funding earning assets | 1.0682% | 1,360 |
| Net interest margin | 4.0376% | 2,353 |
| Noninterest income to average assets | 0.4342% | 4,404 |
| Noninterest expense to average assets | 3.0095% | 3,228 |
| Loan and lease loss provision to assets | 0.2530% | 2,551 |
| Net operating income to assets | 0.7384% | 3,656 |
| Return on assets (ROA) | 0.7554% | 3,853 |
| Pretax return on assets | 1.0383% | 3,566 |
| Return on Equity (ROE) | 4.9769% | 4,815 |
| Retained earnings to average equity (ytd only) | 4.6693% | 3,502 |
| Net charge-offs to loans | 0.0135% | 5,253 |
| Credit loss provision to net charge-offs | 2,463.6364% | 124 |
| Earnings coverage of net charge-offs (x) | 123.4545% | 359 |
| Efficiency ratio | 70.3558% | 3,705 |
| Assets per employee ($millions) | 4.9064% | 2,284 |
| Cash dividends to net income (ytd only)* | 6.1805% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4309% | 4,341 |
| Loan loss allowance to noncurrent loans | 69.2242% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 1.6361% | 3,273 |
| Noncurrent loans to loans | 2.0670% | 2,865 |
| Net loans and leases to total assets | 78.0196% | 722 |
| Net loans and leases to deposits | 102.3536% | 326 |
| Net loans and leases to core deposits | 117.0782% | 368 |
| Total domestic deposits to total assets | 76.2255% | 6,428 |
| Equity capital to assets | 15.2425% | 727 |
| Core capital (leverage) ratio | 14.8548% | 624 |
| Tier 1 risk-based capital ratio | 18.8610% | 2,005 |
| Total risk-based capital ratio | 20.1128% | 1,983 |
| Memoranda: | ||
| Average total assets | $214,191,670 | 2,931 |
| Average earning assets | $203,886,000 | 2,834 |
| Average equity | $32,510,000 | 2,121 |
| Average total loans | $163,464,670 | 2,421 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0251% | 1,802 |
| Cost of funding earning assets | 1.1208% | 1,295 |
| Net interest margin | 3.9042% | 2,899 |
| Noninterest income to average assets | 0.3806% | 4,818 |
| Noninterest expense to average assets | 2.9754% | 3,355 |
| Loan and lease loss provision to assets | 0.1931% | 3,019 |
| Net operating income to assets | 0.7773% | 3,491 |
| Return on assets (ROA) | 0.8100% | 3,567 |
| Pretax return on assets | 0.9806% | 3,746 |
| Return on Equity (ROE) | 5.3479% | 4,610 |
| Retained earnings to average equity (ytd only) | 5.3479% | 3,341 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3996% | 3,364 |
| Assets per employee ($millions) | 5.0642% | 2,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 4,620 |
| Loan loss allowance to noncurrent loans | 120.9942% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.8684% | 4,782 |
| Noncurrent loans to loans | 1.1571% | 4,395 |
| Net loans and leases to total assets | 74.0007% | 1,066 |
| Net loans and leases to deposits | 96.5778% | 504 |
| Net loans and leases to core deposits | 110.8601% | 503 |
| Total domestic deposits to total assets | 76.6229% | 6,467 |
| Equity capital to assets | 14.9293% | 762 |
| Core capital (leverage) ratio | 14.7639% | 640 |
| Tier 1 risk-based capital ratio | 19.3438% | 1,887 |
| Total risk-based capital ratio | 20.5920% | 1,854 |
| Memoranda: | ||
| Average total assets | $213,346,000 | 2,961 |
| Average earning assets | $203,779,000 | 2,851 |
| Average equity | $32,312,000 | 2,131 |
| Average total loans | $159,759,000 | 2,485 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0805% | 2,526 |
| Cost of funding earning assets | 1.2612% | 1,673 |
| Net interest margin | 3.8192% | 3,726 |
| Noninterest income to average assets | 0.4209% | 4,442 |
| Noninterest expense to average assets | 3.1211% | 3,129 |
| Loan and lease loss provision to assets | 0.3199% | 3,125 |
| Net operating income to assets | 0.6095% | 3,954 |
| Return on assets (ROA) | 0.6130% | 4,117 |
| Pretax return on assets | 0.6130% | 4,652 |
| Return on Equity (ROE) | 3.8850% | 4,907 |
| Retained earnings to average equity (ytd only) | 2.8223% | 4,231 |
| Net charge-offs to loans | 0.0734% | 5,584 |
| Credit loss provision to net charge-offs | 624.2718% | 358 |
| Earnings coverage of net charge-offs (x) | 18.1359% | 1,229 |
| Efficiency ratio | 77.0544% | 2,737 |
| Assets per employee ($millions) | 4.7485% | 2,519 |
| Cash dividends to net income (ytd only)* | 27.3539% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3999% | 4,459 |
| Loan loss allowance to noncurrent loans | 115.7309% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.9036% | 4,805 |
| Noncurrent loans to loans | 1.2096% | 4,353 |
| Net loans and leases to total assets | 73.6608% | 1,333 |
| Net loans and leases to deposits | 97.3330% | 598 |
| Net loans and leases to core deposits | 112.4079% | 555 |
| Total domestic deposits to total assets | 75.6792% | 6,524 |
| Equity capital to assets | 15.3706% | 699 |
| Core capital (leverage) ratio | 14.6550% | 674 |
| Tier 1 risk-based capital ratio | 19.5295% | 1,752 |
| Total risk-based capital ratio | 20.7791% | 1,719 |
| Memoranda: | ||
| Average total assets | $200,989,200 | 3,046 |
| Average earning assets | $191,006,400 | 2,957 |
| Average equity | $31,712,000 | 2,095 |
| Average total loans | $140,375,800 | 2,779 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0114% | 3,028 |
| Cost of funding earning assets | 1.2631% | 1,914 |
| Net interest margin | 3.7483% | 4,115 |
| Noninterest income to average assets | 0.4234% | 4,490 |
| Noninterest expense to average assets | 3.1329% | 3,048 |
| Loan and lease loss provision to assets | 0.3491% | 2,782 |
| Net operating income to assets | 0.5005% | 4,550 |
| Return on assets (ROA) | 0.5052% | 4,710 |
| Pretax return on assets | 0.5052% | 5,143 |
| Return on Equity (ROE) | 3.1802% | 5,350 |
| Retained earnings to average equity (ytd only) | 3.1802% | 4,437 |
| Net charge-offs to loans | 0.0186% | 5,896 |
| Credit loss provision to net charge-offs | 2,742.1053% | 104 |
| Earnings coverage of net charge-offs (x) | 66.7438% | 491 |
| Efficiency ratio | 78.6676% | 2,447 |
| Assets per employee ($millions) | 4.9992% | 2,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 4,655 |
| Loan loss allowance to noncurrent loans | 155.6522% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.6420% | 5,533 |
| Noncurrent loans to loans | 0.8842% | 5,091 |
| Net loans and leases to total assets | 71.6059% | 1,794 |
| Net loans and leases to deposits | 95.7037% | 718 |
| Net loans and leases to core deposits | 109.0320% | 722 |
| Total domestic deposits to total assets | 74.8204% | 6,659 |
| Equity capital to assets | 15.1602% | 809 |
| Core capital (leverage) ratio | 14.9553% | 672 |
| Tier 1 risk-based capital ratio | 19.5677% | 1,794 |
| Total risk-based capital ratio | 20.8187% | 1,765 |
| Memoranda: | ||
| Average total assets | $199,003,500 | 3,086 |
| Average earning assets | $188,951,250 | 2,989 |
| Average equity | $31,611,500 | 2,096 |
| Average total loans | $136,448,250 | 2,899 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9566% | 3,375 |
| Cost of funding earning assets | 1.2819% | 2,056 |
| Net interest margin | 3.6747% | 4,382 |
| Noninterest income to average assets | 0.4543% | 4,256 |
| Noninterest expense to average assets | 3.1887% | 2,945 |
| Loan and lease loss provision to assets | 0.3986% | 2,424 |
| Net operating income to assets | 0.3511% | 5,171 |
| Return on assets (ROA) | 0.3511% | 5,304 |
| Pretax return on assets | 0.3511% | 5,542 |
| Return on Equity (ROE) | 2.1735% | 5,732 |
| Retained earnings to average equity (ytd only) | 2.1735% | 4,903 |
| Net charge-offs to loans | 0.0246% | 5,486 |
| Credit loss provision to net charge-offs | 2,412.5000% | 138 |
| Earnings coverage of net charge-offs (x) | 45.3750% | 679 |
| Efficiency ratio | 80.9649% | 2,248 |
| Assets per employee ($millions) | 4.7449% | 2,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3691% | 4,737 |
| Loan loss allowance to noncurrent loans | 146.9388% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.7685% | 5,364 |
| Noncurrent loans to loans | 0.9318% | 5,108 |
| Net loans and leases to total assets | 71.1813% | 1,962 |
| Net loans and leases to deposits | 98.7885% | 554 |
| Net loans and leases to core deposits | 109.8387% | 726 |
| Total domestic deposits to total assets | 72.0542% | 7,000 |
| Equity capital to assets | 15.6128% | 678 |
| Core capital (leverage) ratio | 15.6439% | 549 |
| Tier 1 risk-based capital ratio | 20.7392% | 1,469 |
| Total risk-based capital ratio | 21.9909% | 1,444 |
| Memoranda: | ||
| Average total assets | $193,683,330 | 3,175 |
| Average earning assets | $183,633,330 | 3,079 |
| Average equity | $31,285,670 | 2,112 |
| Average total loans | $129,906,000 | 3,040 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8196% | 3,963 |
| Cost of funding earning assets | 1.3399% | 1,950 |
| Net interest margin | 3.4797% | 5,101 |
| Noninterest income to average assets | 0.4796% | 4,050 |
| Noninterest expense to average assets | 3.1871% | 2,936 |
| Loan and lease loss provision to assets | 0.0955% | 4,817 |
| Net operating income to assets | 0.4923% | 4,519 |
| Return on assets (ROA) | 0.4923% | 4,603 |
| Pretax return on assets | 0.4923% | 5,050 |
| Return on Equity (ROE) | 2.9935% | 5,378 |
| Retained earnings to average equity (ytd only) | 2.9935% | 4,373 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4295% | 1,905 |
| Assets per employee ($millions) | 4.5140% | 2,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 4,750 |
| Loan loss allowance to noncurrent loans | 134.8485% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.7648% | 5,384 |
| Noncurrent loans to loans | 1.0259% | 5,004 |
| Net loans and leases to total assets | 63.5814% | 3,520 |
| Net loans and leases to deposits | 85.0729% | 1,866 |
| Net loans and leases to core deposits | 91.7801% | 2,153 |
| Total domestic deposits to total assets | 74.7376% | 6,829 |
| Equity capital to assets | 16.4286% | 510 |
| Core capital (leverage) ratio | 16.3020% | 456 |
| Tier 1 risk-based capital ratio | 23.4395% | 1,034 |
| Total risk-based capital ratio | 24.6969% | 1,021 |
| Memoranda: | ||
| Average total assets | $188,509,500 | 3,261 |
| Average earning assets | $178,520,500 | 3,176 |
| Average equity | $31,001,000 | 2,112 |
| Average total loans | $121,235,000 | 3,234 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0649% | 4,264 |
| Cost of funding earning assets | 1.4372% | 3,034 |
| Net interest margin | 3.6277% | 4,684 |
| Noninterest income to average assets | 0.4148% | 4,783 |
| Noninterest expense to average assets | 3.1700% | 3,191 |
| Loan and lease loss provision to assets | 0.2602% | 4,707 |
| Net operating income to assets | 0.4083% | 4,503 |
| Return on assets (ROA) | 0.4513% | 4,471 |
| Pretax return on assets | 0.4513% | 4,792 |
| Return on Equity (ROE) | 2.4617% | 5,204 |
| Retained earnings to average equity (ytd only) | 1.4770% | 4,794 |
| Net charge-offs to loans | 0.0715% | 6,083 |
| Credit loss provision to net charge-offs | 572.7273% | 386 |
| Earnings coverage of net charge-offs (x) | 14.7143% | 1,320 |
| Efficiency ratio | 82.5853% | 2,093 |
| Assets per employee ($millions) | 4.9323% | 2,243 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3690% | 4,662 |
| Loan loss allowance to noncurrent loans | 129.6063% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.7822% | 5,449 |
| Noncurrent loans to loans | 1.0563% | 4,959 |
| Net loans and leases to total assets | 63.2714% | 4,018 |
| Net loans and leases to deposits | 85.4776% | 2,187 |
| Net loans and leases to core deposits | 92.3396% | 2,460 |
| Total domestic deposits to total assets | 74.0211% | 6,891 |
| Equity capital to assets | 16.4622% | 524 |
| Core capital (leverage) ratio | 16.5019% | 449 |
| Tier 1 risk-based capital ratio | 23.4736% | 986 |
| Total risk-based capital ratio | 24.7309% | 962 |
| Memoranda: | ||
| Average total assets | $169,495,400 | 3,547 |
| Average earning assets | $159,962,800 | 3,453 |
| Average equity | $31,075,600 | 2,110 |
| Average total loans | $107,655,800 | 3,602 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1479% | 4,087 |
| Cost of funding earning assets | 1.4464% | 3,298 |
| Net interest margin | 3.7016% | 4,392 |
| Noninterest income to average assets | 0.4064% | 4,903 |
| Noninterest expense to average assets | 3.2150% | 2,872 |
| Loan and lease loss provision to assets | 0.3240% | 3,995 |
| Net operating income to assets | 0.3579% | 4,938 |
| Return on assets (ROA) | 0.4169% | 4,848 |
| Pretax return on assets | 0.4169% | 5,170 |
| Return on Equity (ROE) | 2.2100% | 5,526 |
| Retained earnings to average equity (ytd only) | 2.2100% | 4,844 |
| Net charge-offs to loans | 0.0753% | 5,767 |
| Credit loss provision to net charge-offs | 679.6610% | 434 |
| Earnings coverage of net charge-offs (x) | 14.3060% | 1,524 |
| Efficiency ratio | 82.5005% | 2,008 |
| Assets per employee ($millions) | 4.9059% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4001% | 4,455 |
| Loan loss allowance to noncurrent loans | 122.9372% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.8357% | 5,422 |
| Noncurrent loans to loans | 1.1389% | 4,960 |
| Net loans and leases to total assets | 63.0073% | 4,322 |
| Net loans and leases to deposits | 86.4487% | 2,246 |
| Net loans and leases to core deposits | 92.8011% | 2,688 |
| Total domestic deposits to total assets | 72.8841% | 7,041 |
| Equity capital to assets | 17.3626% | 480 |
| Core capital (leverage) ratio | 17.2867% | 402 |
| Tier 1 risk-based capital ratio | 23.9745% | 950 |
| Total risk-based capital ratio | 25.1719% | 929 |
| Memoranda: | ||
| Average total assets | $165,012,000 | 3,668 |
| Average earning assets | $155,606,000 | 3,580 |
| Average equity | $31,130,750 | 2,120 |
| Average total loans | $104,511,000 | 3,724 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1816% | 4,040 |
| Cost of funding earning assets | 1.4652% | 3,459 |
| Net interest margin | 3.7164% | 4,285 |
| Noninterest income to average assets | 0.4062% | 4,858 |
| Noninterest expense to average assets | 3.2437% | 2,747 |
| Loan and lease loss provision to assets | 0.2295% | 4,617 |
| Net operating income to assets | 0.4313% | 4,618 |
| Return on assets (ROA) | 0.4313% | 4,777 |
| Pretax return on assets | 0.4313% | 5,117 |
| Return on Equity (ROE) | 2.2192% | 5,571 |
| Retained earnings to average equity (ytd only) | 2.2192% | 4,741 |
| Net charge-offs to loans | 0.1172% | 5,004 |
| Credit loss provision to net charge-offs | 310.1695% | 1,176 |
| Earnings coverage of net charge-offs (x) | 8.9322% | 2,076 |
| Efficiency ratio | 83.0764% | 2,032 |
| Assets per employee ($millions) | 4.5451% | 2,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3414% | 4,725 |
| Loan loss allowance to noncurrent loans | 101.8103% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 1.0017% | 5,143 |
| Noncurrent loans to loans | 1.3175% | 4,749 |
| Net loans and leases to total assets | 59.8742% | 5,082 |
| Net loans and leases to deposits | 83.8000% | 2,907 |
| Net loans and leases to core deposits | 89.3221% | 3,367 |
| Total domestic deposits to total assets | 71.4490% | 7,226 |
| Equity capital to assets | 18.2651% | 388 |
| Core capital (leverage) ratio | 18.3451% | 333 |
| Tier 1 risk-based capital ratio | 25.7917% | 784 |
| Total risk-based capital ratio | 27.0131% | 775 |
| Memoranda: | ||
| Average total assets | $159,510,330 | 3,799 |
| Average earning assets | $150,145,670 | 3,702 |
| Average equity | $31,002,330 | 2,128 |
| Average total loans | $100,683,670 | 3,874 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3224% | 3,434 |
| Cost of funding earning assets | 1.4837% | 3,665 |
| Net interest margin | 3.8387% | 3,628 |
| Noninterest income to average assets | 0.4055% | 4,874 |
| Noninterest expense to average assets | 3.3144% | 2,483 |
| Loan and lease loss provision to assets | 0.1962% | 4,538 |
| Net operating income to assets | 0.5023% | 4,380 |
| Return on assets (ROA) | 0.5023% | 4,525 |
| Pretax return on assets | 0.5023% | 4,953 |
| Return on Equity (ROE) | 2.4991% | 5,560 |
| Retained earnings to average equity (ytd only) | 2.4991% | 4,639 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5945% | 2,195 |
| Assets per employee ($millions) | 4.5051% | 2,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3736% | 4,555 |
| Loan loss allowance to noncurrent loans | 83.6106% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 1.1435% | 4,882 |
| Noncurrent loans to loans | 1.6428% | 4,286 |
| Net loans and leases to total assets | 61.7956% | 4,802 |
| Net loans and leases to deposits | 89.4805% | 1,990 |
| Net loans and leases to core deposits | 95.5209% | 2,638 |
| Total domestic deposits to total assets | 69.0604% | 7,471 |
| Equity capital to assets | 19.6089% | 306 |
| Core capital (leverage) ratio | 19.5911% | 275 |
| Tier 1 risk-based capital ratio | 27.3222% | 685 |
| Total risk-based capital ratio | 28.5582% | 672 |
| Memoranda: | ||
| Average total assets | $152,909,500 | 3,961 |
| Average earning assets | $143,693,500 | 3,874 |
| Average equity | $30,730,500 | 2,169 |
| Average total loans | $98,617,500 | 3,999 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3999% | 4,695 |
| Cost of funding earning assets | 1.6554% | 4,760 |
| Net interest margin | 3.7445% | 3,930 |
| Noninterest income to average assets | 0.5012% | 4,399 |
| Noninterest expense to average assets | 3.4739% | 2,443 |
| Loan and lease loss provision to assets | 0.2112% | 5,657 |
| Net operating income to assets | 0.3125% | 4,490 |
| Return on assets (ROA) | 0.2346% | 4,856 |
| Pretax return on assets | 0.2346% | 4,928 |
| Return on Equity (ROE) | 1.0949% | 5,202 |
| Retained earnings to average equity (ytd only) | 1.0949% | 4,275 |
| Net charge-offs to loans | 0.0058% | 7,163 |
| Credit loss provision to net charge-offs | 5,800.0000% | 64 |
| Earnings coverage of net charge-offs (x) | 143.8000% | 203 |
| Efficiency ratio | 86.8987% | 2,008 |
| Assets per employee ($millions) | 4.2326% | 3,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 4,749 |
| Loan loss allowance to noncurrent loans | 67.6874% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 1.2785% | 4,531 |
| Noncurrent loans to loans | 1.9240% | 3,764 |
| Net loans and leases to total assets | 65.5848% | 4,258 |
| Net loans and leases to deposits | 96.5219% | 1,268 |
| Net loans and leases to core deposits | 127.1935% | 1,437 |
| Total domestic deposits to total assets | 67.9481% | 7,552 |
| Equity capital to assets | 20.6168% | 267 |
| Core capital (leverage) ratio | 20.4720% | 256 |
| Tier 1 risk-based capital ratio | 28.3456% | 616 |
| Total risk-based capital ratio | 29.5658% | 603 |
| Memoranda: | ||
| Average total assets | $137,282,400 | 4,185 |
| Average earning assets | $128,188,600 | 4,127 |
| Average equity | $29,409,200 | 2,272 |
| Average total loans | $86,364,400 | 4,317 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3915% | 4,990 |
| Cost of funding earning assets | 1.7050% | 4,872 |
| Net interest margin | 3.6864% | 4,129 |
| Noninterest income to average assets | 0.4924% | 4,550 |
| Noninterest expense to average assets | 3.4747% | 2,341 |
| Loan and lease loss provision to assets | 0.1952% | 5,434 |
| Net operating income to assets | 0.2586% | 4,958 |
| Return on assets (ROA) | 0.1526% | 5,370 |
| Pretax return on assets | 0.1526% | 5,406 |
| Return on Equity (ROE) | 0.7050% | 5,577 |
| Retained earnings to average equity (ytd only) | 0.7050% | 4,890 |
| Net charge-offs to loans | 0.0048% | 6,905 |
| Credit loss provision to net charge-offs | 6,566.6667% | 55 |
| Earnings coverage of net charge-offs (x) | 152.6625% | 250 |
| Efficiency ratio | 88.4489% | 1,818 |
| Assets per employee ($millions) | 4.0569% | 3,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2904% | 4,563 |
| Loan loss allowance to noncurrent loans | 3,218.9189% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 7,521 |
| Noncurrent loans to loans | 0.0401% | 7,413 |
| Net loans and leases to total assets | 64.1639% | 4,832 |
| Net loans and leases to deposits | 97.3761% | 1,396 |
| Net loans and leases to core deposits | 127.7511% | 1,602 |
| Total domestic deposits to total assets | 65.8929% | 7,690 |
| Equity capital to assets | 21.5746% | 264 |
| Core capital (leverage) ratio | 21.2663% | 253 |
| Tier 1 risk-based capital ratio | 29.9858% | 565 |
| Total risk-based capital ratio | 31.1930% | 555 |
| Memoranda: | ||
| Average total assets | $134,567,750 | 4,269 |
| Average earning assets | $125,429,250 | 4,218 |
| Average equity | $29,126,000 | 2,314 |
| Average total loans | $83,345,500 | 4,439 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3718% | 5,293 |
| Cost of funding earning assets | 1.7803% | 4,858 |
| Net interest margin | 3.5915% | 4,402 |
| Noninterest income to average assets | 0.4769% | 4,655 |
| Noninterest expense to average assets | 3.4733% | 2,419 |
| Loan and lease loss provision to assets | 0.0848% | 6,328 |
| Net operating income to assets | 0.2513% | 5,080 |
| Return on assets (ROA) | 0.0485% | 5,799 |
| Pretax return on assets | 0.0485% | 5,783 |
| Return on Equity (ROE) | 0.2236% | 5,855 |
| Retained earnings to average equity (ytd only) | 0.2236% | 5,126 |
| Net charge-offs to loans | 0.0075% | 6,480 |
| Credit loss provision to net charge-offs | 1,866.6667% | 285 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 510 |
| Efficiency ratio | 91.1765% | 1,713 |
| Assets per employee ($millions) | 3.9985% | 3,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 4,484 |
| 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 | 60.1542% | 5,655 |
| Net loans and leases to deposits | 91.2335% | 2,610 |
| Net loans and leases to core deposits | 120.5664% | 2,314 |
| Total domestic deposits to total assets | 65.9343% | 7,745 |
| Equity capital to assets | 20.9983% | 330 |
| Core capital (leverage) ratio | 21.2811% | 305 |
| Tier 1 risk-based capital ratio | 30.3522% | 584 |
| Total risk-based capital ratio | 31.4875% | 576 |
| Memoranda: | ||
| Average total assets | $132,093,330 | 4,350 |
| Average earning assets | $122,567,000 | 4,307 |
| Average equity | $28,623,330 | 2,363 |
| Average total loans | $80,361,330 | 4,573 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3612% | 5,609 |
| Cost of funding earning assets | 1.8599% | 4,828 |
| Net interest margin | 3.5013% | 4,733 |
| Noninterest income to average assets | 0.4056% | 5,172 |
| Noninterest expense to average assets | 3.3895% | 2,390 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3134% | 5,248 |
| Return on assets (ROA) | 0.3350% | 5,321 |
| Pretax return on assets | 0.3350% | 5,578 |
| Return on Equity (ROE) | 1.5212% | 5,953 |
| Retained earnings to average equity (ytd only) | 1.5212% | 4,999 |
| Net charge-offs to loans | 0.0101% | 5,499 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 51.0000% | 714 |
| Efficiency ratio | 91.5353% | 1,607 |
| Assets per employee ($millions) | 3.6471% | 4,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 4,365 |
| 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 | 61.2335% | 5,459 |
| Net loans and leases to deposits | 94.0104% | 2,262 |
| Net loans and leases to core deposits | 130.9697% | 1,601 |
| Total domestic deposits to total assets | 65.1349% | 7,783 |
| Equity capital to assets | 22.6621% | 287 |
| Core capital (leverage) ratio | 21.4555% | 333 |
| Tier 1 risk-based capital ratio | 30.6889% | 595 |
| Total risk-based capital ratio | 31.7779% | 585 |
| Memoranda: | ||
| Average total assets | $130,165,500 | 4,404 |
| Average earning assets | $122,584,000 | 4,315 |
| Average equity | $28,661,500 | 2,374 |
| Average total loans | $79,127,500 | 4,638 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8787% | 6,143 |
| Cost of funding earning assets | 2.3074% | 5,110 |
| Net interest margin | 3.5713% | 5,004 |
| Noninterest income to average assets | 0.4304% | 5,212 |
| Noninterest expense to average assets | 3.7360% | 1,882 |
| Loan and lease loss provision to assets | 0.3178% | 3,834 |
| Net operating income to assets | -0.2680% | 6,704 |
| Return on assets (ROA) | -0.1694% | 6,430 |
| Pretax return on assets | -0.1694% | 6,345 |
| Return on Equity (ROE) | -0.6939% | 6,323 |
| Retained earnings to average equity (ytd only) | -0.6939% | 5,510 |
| Net charge-offs to loans | 0.0253% | 6,489 |
| Credit loss provision to net charge-offs | 2,141.1765% | 213 |
| Earnings coverage of net charge-offs (x) | 3.3529% | 4,407 |
| Efficiency ratio | 98.6854% | 1,034 |
| Assets per employee ($millions) | 4.0207% | 3,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 4,043 |
| 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 | 58.8618% | 6,079 |
| Net loans and leases to deposits | 89.6999% | 3,505 |
| Net loans and leases to core deposits | 152.7041% | 761 |
| Total domestic deposits to total assets | 65.6208% | 7,681 |
| Equity capital to assets | 21.4008% | 380 |
| Core capital (leverage) ratio | 21.8760% | 340 |
| Tier 1 risk-based capital ratio | 30.0981% | 641 |
| Total risk-based capital ratio | 31.1756% | 625 |
| Memoranda: | ||
| Average total assets | $114,534,800 | 4,658 |
| Average earning assets | $107,609,000 | 4,576 |
| Average equity | $27,957,400 | 2,413 |
| Average total loans | $67,232,000 | 4,969 |