Home > Rivers Edge Bank > Performance and Condition Ratios
Rivers Edge Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9032% | 2,264 |
| Cost of funding earning assets | 1.7701% | 1,304 |
| Net interest margin | 3.1331% | 3,022 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.3550% | 2,709 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.7609% | 3,009 |
| Return on assets (ROA) | 0.7609% | 2,985 |
| Pretax return on assets | 0.8014% | 3,212 |
| Return on Equity (ROE) | 9.5600% | 2,626 |
| Retained earnings to average equity (ytd only) | 5.9654% | 2,258 |
| Net charge-offs to loans | 0.0015% | 2,777 |
| Credit loss provision to net charge-offs | 666.6667% | 546 |
| Earnings coverage of net charge-offs (x) | 753.0000% | 190 |
| Efficiency ratio | 74.4428% | 1,410 |
| Assets per employee ($millions) | 8.9814% | 987 |
| Cash dividends to net income (ytd only)* | 37.6294% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1205% | 2,725 |
| Loan loss allowance to noncurrent loans | 888.7218% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 2,928 |
| Noncurrent loans to loans | 0.1261% | 2,889 |
| Net loans and leases to total assets | 70.3800% | 1,765 |
| Net loans and leases to deposits | 82.5010% | 1,908 |
| Net loans and leases to core deposits | 97.7934% | 1,553 |
| Total domestic deposits to total assets | 85.3100% | 2,209 |
| Equity capital to assets | 8.1468% | 3,315 |
| Core capital (leverage) ratio | 8.0073% | 4,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8606% | 2,617 |
| Memoranda: | ||
| Average total assets | $279,400,400 | 2,531 |
| Average earning assets | $262,809,400 | 2,507 |
| Average equity | $22,228,000 | 2,669 |
| Average total loans | $194,784,200 | 2,323 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7411% | 2,389 |
| Cost of funding earning assets | 1.6135% | 1,349 |
| Net interest margin | 3.1276% | 3,087 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.2760% | 2,872 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8490% | 2,864 |
| Return on assets (ROA) | 0.8490% | 2,846 |
| Pretax return on assets | 0.8853% | 3,138 |
| Return on Equity (ROE) | 10.7400% | 2,437 |
| Retained earnings to average equity (ytd only) | 7.0624% | 2,259 |
| Net charge-offs to loans | 0.0035% | 2,382 |
| Credit loss provision to net charge-offs | 200.0000% | 1,122 |
| Earnings coverage of net charge-offs (x) | 367.4000% | 390 |
| Efficiency ratio | 71.8855% | 1,584 |
| Assets per employee ($millions) | 9.0565% | 911 |
| Cash dividends to net income (ytd only)* | 34.2466% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 2,667 |
| Loan loss allowance to noncurrent loans | 908.4942% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.0894% | 2,988 |
| Noncurrent loans to loans | 0.1257% | 2,923 |
| Net loans and leases to total assets | 70.3000% | 1,790 |
| Net loans and leases to deposits | 84.1799% | 1,724 |
| Net loans and leases to core deposits | 99.3127% | 1,355 |
| Total domestic deposits to total assets | 83.5100% | 2,905 |
| Equity capital to assets | 7.5222% | 3,342 |
| Core capital (leverage) ratio | 8.1334% | 4,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9590% | 2,623 |
| Memoranda: | ||
| Average total assets | $275,154,250 | 2,557 |
| Average earning assets | $258,637,000 | 2,533 |
| Average equity | $21,748,500 | 2,706 |
| Average total loans | $190,737,250 | 2,356 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5208% | 2,595 |
| Cost of funding earning assets | 1.3973% | 1,455 |
| Net interest margin | 3.1235% | 3,167 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.3258% | 2,722 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8325% | 2,980 |
| Return on assets (ROA) | 0.8325% | 2,990 |
| Pretax return on assets | 0.8688% | 3,239 |
| Return on Equity (ROE) | 10.3500% | 2,611 |
| Retained earnings to average equity (ytd only) | 6.6724% | 2,387 |
| Net charge-offs to loans | 0.0119% | 1,751 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 106.7273% | 901 |
| Efficiency ratio | 72.8052% | 1,476 |
| Assets per employee ($millions) | 8.8775% | 946 |
| Cash dividends to net income (ytd only)* | 35.5556% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2256% | 2,315 |
| Loan loss allowance to noncurrent loans | 878.1955% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 2,857 |
| Noncurrent loans to loans | 0.1396% | 2,773 |
| Net loans and leases to total assets | 68.4100% | 1,923 |
| Net loans and leases to deposits | 80.8256% | 1,914 |
| Net loans and leases to core deposits | 87.3684% | 1,977 |
| Total domestic deposits to total assets | 84.6400% | 2,647 |
| Equity capital to assets | 8.0708% | 3,166 |
| Core capital (leverage) ratio | 8.4184% | 4,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8440% | 2,353 |
| Memoranda: | ||
| Average total assets | $270,269,667 | 2,586 |
| Average earning assets | $254,205,000 | 2,557 |
| Average equity | $21,731,333 | 2,718 |
| Average total loans | $185,621,000 | 2,386 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3780% | 2,619 |
| Cost of funding earning assets | 1.2084% | 1,429 |
| Net interest margin | 3.1696% | 3,190 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 2.3689% | 2,613 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7513% | 3,341 |
| Return on assets (ROA) | 0.7513% | 3,294 |
| Pretax return on assets | 0.7827% | 3,501 |
| Return on Equity (ROE) | 9.3600% | 2,954 |
| Retained earnings to average equity (ytd only) | 5.6394% | 2,859 |
| Net charge-offs to loans | 0.0262% | 1,170 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 43.6667% | 1,151 |
| Efficiency ratio | 75.1659% | 1,233 |
| Assets per employee ($millions) | 8.0791% | 1,298 |
| Cash dividends to net income (ytd only)* | 39.7614% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2882% | 2,092 |
| Loan loss allowance to noncurrent loans | 276.7773% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.3166% | 1,588 |
| Noncurrent loans to loans | 0.4654% | 1,553 |
| Net loans and leases to total assets | 67.1400% | 1,933 |
| Net loans and leases to deposits | 75.9517% | 2,123 |
| Net loans and leases to core deposits | 80.7412% | 2,198 |
| Total domestic deposits to total assets | 88.4000% | 1,779 |
| Equity capital to assets | 8.2732% | 3,059 |
| Core capital (leverage) ratio | 8.3384% | 4,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2068% | 2,300 |
| Memoranda: | ||
| Average total assets | $267,804,000 | 2,629 |
| Average earning assets | $251,895,000 | 2,607 |
| Average equity | $21,491,500 | 2,760 |
| Average total loans | $183,128,000 | 2,431 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6283% | 2,713 |
| Cost of funding earning assets | 0.5587% | 1,071 |
| Net interest margin | 3.0696% | 3,262 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.1940% | 3,045 |
| Loan and lease loss provision to assets | -0.0400% | 4,387 |
| Net operating income to assets | 0.8784% | 3,051 |
| Return on assets (ROA) | 0.8784% | 2,989 |
| Pretax return on assets | 0.9282% | 3,274 |
| Return on Equity (ROE) | 10.7700% | 2,554 |
| Retained earnings to average equity (ytd only) | 2.3709% | 3,897 |
| Net charge-offs to loans | 0.0030% | 2,382 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,685 |
| Earnings coverage of net charge-offs (x) | 467.8000% | 350 |
| Efficiency ratio | 71.1377% | 1,550 |
| Assets per employee ($millions) | 7.6857% | 1,497 |
| Cash dividends to net income (ytd only)* | 77.9896% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2919% | 1,939 |
| Loan loss allowance to noncurrent loans | 402.1886% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.2208% | 2,052 |
| Noncurrent loans to loans | 0.3212% | 1,999 |
| Net loans and leases to total assets | 67.8600% | 1,844 |
| Net loans and leases to deposits | 79.4259% | 1,815 |
| Net loans and leases to core deposits | 83.0963% | 1,929 |
| Total domestic deposits to total assets | 85.4300% | 2,880 |
| Equity capital to assets | 7.7792% | 3,203 |
| Core capital (leverage) ratio | 8.3513% | 4,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7810% | 2,459 |
| Memoranda: | ||
| Average total assets | $262,764,800 | 2,649 |
| Average earning assets | $247,527,400 | 2,633 |
| Average equity | $21,426,800 | 2,820 |
| Average total loans | $169,083,200 | 2,466 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4336% | 2,823 |
| Cost of funding earning assets | 0.4327% | 1,086 |
| Net interest margin | 3.0009% | 3,219 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 2.1837% | 2,979 |
| Loan and lease loss provision to assets | -0.0500% | 4,490 |
| Net operating income to assets | 0.8432% | 3,088 |
| Return on assets (ROA) | 0.8432% | 3,061 |
| Pretax return on assets | 0.8831% | 3,367 |
| Return on Equity (ROE) | 10.2200% | 2,657 |
| Retained earnings to average equity (ytd only) | 0.3217% | 4,291 |
| Net charge-offs to loans | 0.0024% | 2,182 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,746 |
| Earnings coverage of net charge-offs (x) | 543.3333% | 290 |
| Efficiency ratio | 72.4103% | 1,460 |
| Assets per employee ($millions) | 7.4875% | 1,618 |
| Cash dividends to net income (ytd only)* | 96.8523% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3308% | 1,884 |
| Loan loss allowance to noncurrent loans | 320.5094% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.2847% | 1,811 |
| Noncurrent loans to loans | 0.4152% | 1,773 |
| Net loans and leases to total assets | 67.6500% | 1,714 |
| Net loans and leases to deposits | 78.0413% | 1,702 |
| Net loans and leases to core deposits | 80.1057% | 1,896 |
| Total domestic deposits to total assets | 86.6800% | 2,862 |
| Equity capital to assets | 7.5559% | 3,185 |
| Core capital (leverage) ratio | 8.1754% | 4,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8014% | 2,555 |
| Memoranda: | ||
| Average total assets | $261,206,250 | 2,677 |
| Average earning assets | $246,499,000 | 2,653 |
| Average equity | $21,552,000 | 2,853 |
| Average total loans | $165,124,000 | 2,496 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2072% | 3,019 |
| Cost of funding earning assets | 0.3887% | 996 |
| Net interest margin | 2.8185% | 3,388 |
| Noninterest income to average assets | 0.2131% | 3,927 |
| Noninterest expense to average assets | 2.1409% | 3,028 |
| Loan and lease loss provision to assets | -0.0767% | 4,566 |
| Net operating income to assets | 0.7757% | 3,046 |
| Return on assets (ROA) | 0.7757% | 3,009 |
| Pretax return on assets | 0.8110% | 3,296 |
| Return on Equity (ROE) | 9.1436% | 2,650 |
| Retained earnings to average equity (ytd only) | -3.5057% | 4,482 |
| Net charge-offs to loans | 0.0037% | 1,900 |
| Credit loss provision to net charge-offs | -3,333.3333% | 3,732 |
| Earnings coverage of net charge-offs (x) | 319.3333% | 383 |
| Efficiency ratio | 74.4601% | 1,459 |
| Assets per employee ($millions) | 7.4837% | 1,616 |
| Cash dividends to net income (ytd only)* | 138.3399% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4278% | 1,643 |
| Loan loss allowance to noncurrent loans | 47,800.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0344% | 3,638 |
| Noncurrent loans to loans | 0.0030% | 3,990 |
| Net loans and leases to total assets | 62.9952% | 2,016 |
| Net loans and leases to deposits | 70.7498% | 2,131 |
| Net loans and leases to core deposits | 72.5676% | 2,277 |
| Total domestic deposits to total assets | 89.0394% | 2,168 |
| Equity capital to assets | 7.9236% | 3,183 |
| Core capital (leverage) ratio | 7.9127% | 4,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4107% | 2,335 |
| Memoranda: | ||
| Average total assets | $260,921,333 | 2,700 |
| Average earning assets | $246,447,000 | 2,689 |
| Average equity | $22,135,667 | 2,880 |
| Average total loans | $160,277,000 | 2,546 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0457% | 3,118 |
| Cost of funding earning assets | 0.3986% | 882 |
| Net interest margin | 2.6471% | 3,534 |
| Noninterest income to average assets | 0.1935% | 4,002 |
| Noninterest expense to average assets | 2.1105% | 3,107 |
| Loan and lease loss provision to assets | -0.1536% | 4,651 |
| Net operating income to assets | 0.6989% | 3,059 |
| Return on assets (ROA) | 0.6989% | 3,049 |
| Pretax return on assets | 0.7357% | 3,292 |
| Return on Equity (ROE) | 7.9732% | 2,705 |
| Retained earnings to average equity (ytd only) | -13.0550% | 4,615 |
| Net charge-offs to loans | 0.0102% | 1,390 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,422 |
| Earnings coverage of net charge-offs (x) | 94.7500% | 693 |
| Efficiency ratio | 78.3799% | 1,282 |
| Assets per employee ($millions) | 7.7793% | 1,501 |
| Cash dividends to net income (ytd only)* | 263.7363% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5582% | 1,383 |
| Loan loss allowance to noncurrent loans | 8,241.3793% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 3,606 |
| Noncurrent loans to loans | 0.0189% | 3,856 |
| Net loans and leases to total assets | 57.0856% | 2,408 |
| Net loans and leases to deposits | 66.3245% | 2,308 |
| Net loans and leases to core deposits | 68.1285% | 2,445 |
| Total domestic deposits to total assets | 86.0701% | 3,235 |
| Equity capital to assets | 8.1332% | 3,464 |
| Core capital (leverage) ratio | 7.8644% | 4,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5678% | 1,965 |
| Memoranda: | ||
| Average total assets | $260,418,000 | 2,716 |
| Average earning assets | $245,854,500 | 2,706 |
| Average equity | $22,826,500 | 2,921 |
| Average total loans | $156,719,500 | 2,578 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8394% | 1,770 |
| Cost of funding earning assets | 0.5056% | 907 |
| Net interest margin | 3.3338% | 2,225 |
| Noninterest income to average assets | 0.2173% | 4,062 |
| Noninterest expense to average assets | 2.0967% | 3,398 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1923% | 1,948 |
| Return on assets (ROA) | 1.1923% | 2,010 |
| Pretax return on assets | 1.2577% | 2,491 |
| Return on Equity (ROE) | 12.7314% | 1,560 |
| Retained earnings to average equity (ytd only) | 8.2858% | 1,429 |
| Net charge-offs to loans | 0.0019% | 2,581 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 1,057.3333% | 140 |
| Efficiency ratio | 62.5059% | 2,792 |
| Assets per employee ($millions) | 7.5394% | 1,596 |
| Cash dividends to net income (ytd only)* | 34.9185% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5582% | 1,367 |
| Loan loss allowance to noncurrent loans | 3,958.7302% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0425% | 3,703 |
| Noncurrent loans to loans | 0.0394% | 3,795 |
| Net loans and leases to total assets | 61.4676% | 2,007 |
| Net loans and leases to deposits | 74.0891% | 1,717 |
| Net loans and leases to core deposits | 75.8594% | 1,935 |
| Total domestic deposits to total assets | 82.9644% | 3,814 |
| Equity capital to assets | 9.4176% | 3,210 |
| Core capital (leverage) ratio | 8.2650% | 4,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6169% | 2,010 |
| Memoranda: | ||
| Average total assets | $252,200,400 | 2,710 |
| Average earning assets | $237,328,200 | 2,697 |
| Average equity | $23,618,800 | 2,934 |
| Average total loans | $160,873,200 | 2,534 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9737% | 1,603 |
| Cost of funding earning assets | 0.5253% | 930 |
| Net interest margin | 3.4484% | 2,013 |
| Noninterest income to average assets | 0.2054% | 4,172 |
| Noninterest expense to average assets | 2.0698% | 3,454 |
| Loan and lease loss provision to assets | 0.0530% | 1,926 |
| Net operating income to assets | 1.2512% | 1,987 |
| Return on assets (ROA) | 1.2512% | 2,052 |
| Pretax return on assets | 1.3234% | 2,562 |
| Return on Equity (ROE) | 13.3794% | 1,585 |
| Retained earnings to average equity (ytd only) | 7.4191% | 2,265 |
| Net charge-offs to loans | 0.0132% | 1,837 |
| Credit loss provision to net charge-offs | 625.0000% | 690 |
| Earnings coverage of net charge-offs (x) | 162.0625% | 638 |
| Efficiency ratio | 60.0585% | 2,978 |
| Assets per employee ($millions) | 7.1598% | 1,765 |
| Cash dividends to net income (ytd only)* | 44.5482% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6161% | 1,300 |
| Loan loss allowance to noncurrent loans | 172.2964% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.6165% | 1,232 |
| Noncurrent loans to loans | 0.9380% | 1,222 |
| Net loans and leases to total assets | 62.7018% | 1,922 |
| Net loans and leases to deposits | 75.9997% | 1,674 |
| Net loans and leases to core deposits | 78.2684% | 1,877 |
| Total domestic deposits to total assets | 82.5028% | 3,825 |
| Equity capital to assets | 9.5581% | 3,324 |
| Core capital (leverage) ratio | 8.1364% | 4,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1880% | 2,298 |
| Memoranda: | ||
| Average total assets | $251,165,500 | 2,733 |
| Average earning assets | $236,047,250 | 2,727 |
| Average equity | $23,488,250 | 2,977 |
| Average total loans | $161,076,500 | 2,570 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2219% | 1,146 |
| Cost of funding earning assets | 0.5384% | 995 |
| Net interest margin | 3.6835% | 1,391 |
| Noninterest income to average assets | 0.1806% | 4,303 |
| Noninterest expense to average assets | 2.0728% | 3,473 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4871% | 1,329 |
| Return on assets (ROA) | 1.4871% | 1,386 |
| Pretax return on assets | 1.5699% | 1,818 |
| Return on Equity (ROE) | 16.0198% | 953 |
| Retained earnings to average equity (ytd only) | 8.9484% | 1,725 |
| Net charge-offs to loans | 0.0198% | 1,542 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 123.3125% | 661 |
| Efficiency ratio | 56.9026% | 3,418 |
| Assets per employee ($millions) | 7.4429% | 1,511 |
| Cash dividends to net income (ytd only)* | 44.1413% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5026% | 1,583 |
| Loan loss allowance to noncurrent loans | 96.3869% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 1.0065% | 747 |
| Noncurrent loans to loans | 1.5590% | 717 |
| Net loans and leases to total assets | 62.4289% | 2,127 |
| Net loans and leases to deposits | 75.5222% | 1,871 |
| Net loans and leases to core deposits | 77.8326% | 2,060 |
| Total domestic deposits to total assets | 82.6630% | 3,777 |
| Equity capital to assets | 9.1662% | 3,640 |
| Core capital (leverage) ratio | 7.7773% | 4,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0344% | 2,351 |
| Memoranda: | ||
| Average total assets | $251,356,000 | 2,734 |
| Average earning assets | $236,242,333 | 2,713 |
| Average equity | $23,333,667 | 2,983 |
| Average total loans | $161,532,667 | 2,586 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5292% | 743 |
| Cost of funding earning assets | 0.5564% | 1,069 |
| Net interest margin | 3.9727% | 882 |
| Noninterest income to average assets | 0.1556% | 4,424 |
| Noninterest expense to average assets | 2.1557% | 3,248 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6354% | 1,048 |
| Return on assets (ROA) | 1.6354% | 1,101 |
| Pretax return on assets | 1.7262% | 1,436 |
| Return on Equity (ROE) | 17.5010% | 781 |
| Retained earnings to average equity (ytd only) | 7.0941% | 2,549 |
| Net charge-offs to loans | 0.0401% | 1,066 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 66.5625% | 774 |
| Efficiency ratio | 55.5324% | 3,599 |
| Assets per employee ($millions) | 7.9034% | 1,235 |
| Cash dividends to net income (ytd only)* | 59.4648% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6036% | 1,288 |
| Loan loss allowance to noncurrent loans | 169.0054% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.5813% | 1,639 |
| Noncurrent loans to loans | 0.9489% | 1,430 |
| Net loans and leases to total assets | 58.3681% | 2,760 |
| Net loans and leases to deposits | 70.5047% | 2,459 |
| Net loans and leases to core deposits | 72.6109% | 2,648 |
| Total domestic deposits to total assets | 82.7861% | 3,744 |
| Equity capital to assets | 8.9191% | 3,762 |
| Core capital (leverage) ratio | 8.0877% | 4,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6472% | 2,021 |
| Memoranda: | ||
| Average total assets | $246,783,500 | 2,746 |
| Average earning assets | $231,477,500 | 2,734 |
| Average equity | $23,061,500 | 2,990 |
| Average total loans | $159,744,500 | 2,605 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6372% | 1,023 |
| Cost of funding earning assets | 0.8250% | 1,106 |
| Net interest margin | 3.8121% | 1,467 |
| Noninterest income to average assets | 0.2602% | 3,923 |
| Noninterest expense to average assets | 2.3675% | 3,215 |
| Loan and lease loss provision to assets | 0.0916% | 3,207 |
| Net operating income to assets | 1.2964% | 1,260 |
| Return on assets (ROA) | 1.2964% | 1,358 |
| Pretax return on assets | 1.3656% | 1,767 |
| Return on Equity (ROE) | 12.8447% | 1,078 |
| Retained earnings to average equity (ytd only) | 3.6537% | 3,009 |
| Net charge-offs to loans | 0.0024% | 3,312 |
| Credit loss provision to net charge-offs | 5,000.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 795.2500% | 150 |
| Efficiency ratio | 61.8278% | 3,168 |
| Assets per employee ($millions) | 6.6501% | 1,818 |
| Cash dividends to net income (ytd only)* | 71.5548% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5154% | 1,534 |
| Loan loss allowance to noncurrent loans | 1,770.9220% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0816% | 3,923 |
| Noncurrent loans to loans | 0.0856% | 3,951 |
| Net loans and leases to total assets | 69.7214% | 1,596 |
| Net loans and leases to deposits | 86.2128% | 1,236 |
| Net loans and leases to core deposits | 89.1737% | 1,590 |
| Total domestic deposits to total assets | 80.8713% | 3,897 |
| Equity capital to assets | 9.8219% | 3,294 |
| Core capital (leverage) ratio | 8.3762% | 4,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2090% | 2,545 |
| Memoranda: | ||
| Average total assets | $218,289,000 | 2,809 |
| Average earning assets | $204,112,200 | 2,793 |
| Average equity | $22,032,400 | 3,003 |
| Average total loans | $169,145,000 | 2,492 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8263% | 845 |
| Cost of funding earning assets | 0.8737% | 1,160 |
| Net interest margin | 3.9526% | 1,230 |
| Noninterest income to average assets | 0.2596% | 3,923 |
| Noninterest expense to average assets | 2.4347% | 3,039 |
| Loan and lease loss provision to assets | 0.2795% | 1,435 |
| Net operating income to assets | 1.1658% | 1,763 |
| Return on assets (ROA) | 1.1658% | 1,881 |
| Pretax return on assets | 1.2459% | 2,242 |
| Return on Equity (ROE) | 11.4666% | 1,524 |
| Retained earnings to average equity (ytd only) | 0.4704% | 4,391 |
| Net charge-offs to loans | -0.0016% | 3,860 |
| Credit loss provision to net charge-offs | -22,500.0000% | 4,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3864% | 3,163 |
| Assets per employee ($millions) | 6.2464% | 2,049 |
| Cash dividends to net income (ytd only)* | 95.8977% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5788% | 1,166 |
| Loan loss allowance to noncurrent loans | 793.3718% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.1811% | 3,525 |
| Noncurrent loans to loans | 0.1990% | 3,593 |
| Net loans and leases to total assets | 78.5014% | 770 |
| Net loans and leases to deposits | 98.6458% | 588 |
| Net loans and leases to core deposits | 102.9822% | 983 |
| Total domestic deposits to total assets | 79.5791% | 3,947 |
| Equity capital to assets | 10.1251% | 3,118 |
| Core capital (leverage) ratio | 8.5461% | 4,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3975% | 2,819 |
| Memoranda: | ||
| Average total assets | $214,672,500 | 2,816 |
| Average earning assets | $200,976,000 | 2,797 |
| Average equity | $21,825,250 | 3,014 |
| Average total loans | $170,237,000 | 2,483 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9325% | 924 |
| Cost of funding earning assets | 0.9195% | 1,280 |
| Net interest margin | 4.0130% | 1,287 |
| Noninterest income to average assets | 0.2456% | 4,001 |
| Noninterest expense to average assets | 2.4429% | 3,133 |
| Loan and lease loss provision to assets | 0.2812% | 1,530 |
| Net operating income to assets | 1.1999% | 1,639 |
| Return on assets (ROA) | 1.1999% | 1,767 |
| Pretax return on assets | 1.2814% | 2,096 |
| Return on Equity (ROE) | 11.7855% | 1,391 |
| Retained earnings to average equity (ytd only) | -2.7162% | 4,636 |
| Net charge-offs to loans | 0.0047% | 2,805 |
| Credit loss provision to net charge-offs | 7,500.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 416.7500% | 241 |
| Efficiency ratio | 60.8940% | 3,292 |
| Assets per employee ($millions) | 6.0903% | 2,100 |
| Cash dividends to net income (ytd only)* | 123.0469% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4495% | 1,408 |
| Loan loss allowance to noncurrent loans | 287.2788% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.4351% | 2,567 |
| Noncurrent loans to loans | 0.5046% | 2,636 |
| Net loans and leases to total assets | 80.5336% | 533 |
| Net loans and leases to deposits | 100.8827% | 498 |
| Net loans and leases to core deposits | 105.2823% | 927 |
| Total domestic deposits to total assets | 79.8290% | 3,871 |
| Equity capital to assets | 9.9257% | 3,270 |
| Core capital (leverage) ratio | 8.3729% | 4,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8241% | 3,007 |
| Memoranda: | ||
| Average total assets | $213,355,333 | 2,809 |
| Average earning assets | $199,899,667 | 2,782 |
| Average equity | $21,721,667 | 3,008 |
| Average total loans | $168,857,333 | 2,478 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8056% | 1,401 |
| Cost of funding earning assets | 1.0279% | 1,302 |
| Net interest margin | 3.7777% | 2,059 |
| Noninterest income to average assets | 0.1844% | 4,443 |
| Noninterest expense to average assets | 2.3687% | 3,608 |
| Loan and lease loss provision to assets | 0.2852% | 1,094 |
| Net operating income to assets | 0.9905% | 2,208 |
| Return on assets (ROA) | 0.9905% | 2,308 |
| Pretax return on assets | 1.0589% | 2,644 |
| Return on Equity (ROE) | 9.6030% | 1,873 |
| Retained earnings to average equity (ytd only) | -12.5153% | 4,838 |
| Net charge-offs to loans | 0.0147% | 2,079 |
| Credit loss provision to net charge-offs | 2,500.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 117.8333% | 517 |
| Efficiency ratio | 63.6969% | 3,280 |
| Assets per employee ($millions) | 6.1443% | 1,565 |
| Cash dividends to net income (ytd only)* | 230.3263% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4827% | 1,394 |
| Loan loss allowance to noncurrent loans | 333.1063% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.3753% | 2,941 |
| Noncurrent loans to loans | 0.4451% | 2,919 |
| Net loans and leases to total assets | 77.7628% | 1,011 |
| Net loans and leases to deposits | 98.5657% | 652 |
| Net loans and leases to core deposits | 103.1323% | 1,237 |
| Total domestic deposits to total assets | 78.8944% | 4,072 |
| Equity capital to assets | 10.2251% | 3,579 |
| Core capital (leverage) ratio | 8.6326% | 4,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1452% | 3,056 |
| Memoranda: | ||
| Average total assets | $210,408,000 | 2,785 |
| Average earning assets | $196,521,000 | 2,768 |
| Average equity | $21,701,500 | 3,014 |
| Average total loans | $163,702,500 | 2,501 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0605% | 1,312 |
| Cost of funding earning assets | 1.2006% | 1,019 |
| Net interest margin | 3.8599% | 2,305 |
| Noninterest income to average assets | 0.2255% | 4,317 |
| Noninterest expense to average assets | 2.4094% | 3,665 |
| Loan and lease loss provision to assets | 0.1269% | 1,677 |
| Net operating income to assets | 1.2067% | 2,033 |
| Return on assets (ROA) | 1.2123% | 2,104 |
| Pretax return on assets | 1.2801% | 2,572 |
| Return on Equity (ROE) | 11.5586% | 1,665 |
| Retained earnings to average equity (ytd only) | 4.5788% | 2,662 |
| Net charge-offs to loans | 0.0081% | 3,391 |
| Credit loss provision to net charge-offs | 2,000.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 220.8462% | 368 |
| Efficiency ratio | 63.1276% | 3,203 |
| Assets per employee ($millions) | 6.2326% | 1,461 |
| Cash dividends to net income (ytd only)* | 60.3865% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4159% | 1,468 |
| Loan loss allowance to noncurrent loans | 390.6621% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.3020% | 3,224 |
| Noncurrent loans to loans | 0.3624% | 3,152 |
| Net loans and leases to total assets | 75.6018% | 1,483 |
| Net loans and leases to deposits | 94.7477% | 1,078 |
| Net loans and leases to core deposits | 99.0136% | 1,649 |
| Total domestic deposits to total assets | 79.7927% | 4,020 |
| Equity capital to assets | 10.4016% | 3,542 |
| Core capital (leverage) ratio | 8.7336% | 4,706 |
| Tier 1 risk-based capital ratio | 11.4593% | 4,650 |
| Total risk-based capital ratio | 12.7119% | 4,529 |
| Memoranda: | ||
| Average total assets | $204,902,000 | 2,805 |
| Average earning assets | $190,317,000 | 2,797 |
| Average equity | $21,490,400 | 3,005 |
| Average total loans | $161,160,000 | 2,499 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1016% | 1,281 |
| Cost of funding earning assets | 1.2080% | 1,018 |
| Net interest margin | 3.8936% | 2,276 |
| Noninterest income to average assets | 0.2389% | 4,305 |
| Noninterest expense to average assets | 2.4277% | 3,619 |
| Loan and lease loss provision to assets | 0.1378% | 1,404 |
| Net operating income to assets | 1.2127% | 2,150 |
| Return on assets (ROA) | 1.2201% | 2,199 |
| Pretax return on assets | 1.2942% | 2,688 |
| Return on Equity (ROE) | 11.6080% | 1,755 |
| Retained earnings to average equity (ytd only) | 4.5833% | 3,112 |
| Net charge-offs to loans | 0.0133% | 2,901 |
| Credit loss provision to net charge-offs | 1,312.5000% | 279 |
| Earnings coverage of net charge-offs (x) | 135.6428% | 584 |
| Efficiency ratio | 62.9238% | 3,178 |
| Assets per employee ($millions) | 5.6188% | 1,915 |
| Cash dividends to net income (ytd only)* | 60.5164% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4250% | 1,487 |
| Loan loss allowance to noncurrent loans | 420.1869% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2819% | 3,423 |
| Noncurrent loans to loans | 0.3391% | 3,321 |
| Net loans and leases to total assets | 74.8003% | 1,682 |
| Net loans and leases to deposits | 94.2706% | 1,196 |
| Net loans and leases to core deposits | 99.2412% | 1,721 |
| Total domestic deposits to total assets | 79.3463% | 4,110 |
| Equity capital to assets | 10.4784% | 3,559 |
| Core capital (leverage) ratio | 9.1362% | 4,530 |
| Tier 1 risk-based capital ratio | 11.5910% | 4,629 |
| Total risk-based capital ratio | 12.8435% | 4,523 |
| Memoranda: | ||
| Average total assets | $203,150,250 | 2,835 |
| Average earning assets | $188,511,500 | 2,834 |
| Average equity | $21,352,500 | 3,037 |
| Average total loans | $160,823,000 | 2,524 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0747% | 1,286 |
| Cost of funding earning assets | 1.2107% | 961 |
| Net interest margin | 3.8641% | 2,355 |
| Noninterest income to average assets | 0.2361% | 4,341 |
| Noninterest expense to average assets | 2.4190% | 3,690 |
| Loan and lease loss provision to assets | 0.1588% | 1,144 |
| Net operating income to assets | 1.1708% | 2,253 |
| Return on assets (ROA) | 1.1708% | 2,329 |
| Pretax return on assets | 1.2432% | 2,777 |
| Return on Equity (ROE) | 11.1275% | 1,929 |
| Retained earnings to average equity (ytd only) | 4.0549% | 3,217 |
| Net charge-offs to loans | 0.0185% | 2,503 |
| Credit loss provision to net charge-offs | 1,066.6667% | 325 |
| Earnings coverage of net charge-offs (x) | 94.2000% | 727 |
| Efficiency ratio | 63.2044% | 3,255 |
| Assets per employee ($millions) | 5.4050% | 2,043 |
| Cash dividends to net income (ytd only)* | 63.5593% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3443% | 1,832 |
| Loan loss allowance to noncurrent loans | 410.2612% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 3,370 |
| Noncurrent loans to loans | 0.3277% | 3,358 |
| Net loans and leases to total assets | 80.6980% | 774 |
| Net loans and leases to deposits | 101.1571% | 599 |
| Net loans and leases to core deposits | 106.0739% | 1,242 |
| Total domestic deposits to total assets | 79.7749% | 4,075 |
| Equity capital to assets | 10.7389% | 3,317 |
| Core capital (leverage) ratio | 9.0372% | 4,600 |
| Tier 1 risk-based capital ratio | 11.0490% | 4,885 |
| Total risk-based capital ratio | 12.3003% | 4,801 |
| Memoranda: | ||
| Average total assets | $201,568,670 | 2,861 |
| Average earning assets | $187,004,330 | 2,858 |
| Average equity | $21,208,670 | 3,046 |
| Average total loans | $161,846,000 | 2,517 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9484% | 1,481 |
| Cost of funding earning assets | 1.1799% | 954 |
| Net interest margin | 3.7685% | 2,636 |
| Noninterest income to average assets | 0.1898% | 4,616 |
| Noninterest expense to average assets | 2.4432% | 3,647 |
| Loan and lease loss provision to assets | 0.1186% | 1,480 |
| Net operating income to assets | 1.0575% | 2,633 |
| Return on assets (ROA) | 1.0575% | 2,676 |
| Pretax return on assets | 1.1129% | 3,109 |
| Return on Equity (ROE) | 10.1542% | 2,299 |
| Retained earnings to average equity (ytd only) | 3.0368% | 3,723 |
| Net charge-offs to loans | 0.0025% | 2,666 |
| Credit loss provision to net charge-offs | 6,000.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 623.0000% | 116 |
| Efficiency ratio | 66.3798% | 2,883 |
| Assets per employee ($millions) | 5.5365% | 1,947 |
| Cash dividends to net income (ytd only)* | 70.0935% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 1,962 |
| Loan loss allowance to noncurrent loans | 130.9789% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.8364% | 1,697 |
| Noncurrent loans to loans | 1.0143% | 1,644 |
| Net loans and leases to total assets | 78.7796% | 1,022 |
| Net loans and leases to deposits | 98.6195% | 732 |
| Net loans and leases to core deposits | 102.7356% | 1,397 |
| Total domestic deposits to total assets | 79.8824% | 4,192 |
| Equity capital to assets | 10.6270% | 3,226 |
| Core capital (leverage) ratio | 8.9078% | 4,714 |
| Tier 1 risk-based capital ratio | 11.1605% | 4,903 |
| Total risk-based capital ratio | 12.4116% | 4,812 |
| Memoranda: | ||
| Average total assets | $202,361,000 | 2,877 |
| Average earning assets | $187,130,500 | 2,884 |
| Average equity | $21,075,000 | 3,063 |
| Average total loans | $160,978,000 | 2,554 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9039% | 1,275 |
| Cost of funding earning assets | 0.8523% | 1,294 |
| Net interest margin | 4.0516% | 1,820 |
| Noninterest income to average assets | 0.1818% | 4,818 |
| Noninterest expense to average assets | 2.6087% | 3,311 |
| Loan and lease loss provision to assets | 0.1684% | 1,199 |
| Net operating income to assets | 1.1039% | 2,580 |
| Return on assets (ROA) | 1.1039% | 2,576 |
| Pretax return on assets | 1.1598% | 3,060 |
| Return on Equity (ROE) | 10.3338% | 2,378 |
| Retained earnings to average equity (ytd only) | 3.0599% | 3,866 |
| Net charge-offs to loans | 0.0044% | 3,565 |
| Credit loss provision to net charge-offs | 4,642.8571% | 108 |
| Earnings coverage of net charge-offs (x) | 366.2857% | 282 |
| Efficiency ratio | 66.1579% | 2,849 |
| Assets per employee ($millions) | 5.7058% | 1,769 |
| Cash dividends to net income (ytd only)* | 70.3895% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2615% | 2,243 |
| Loan loss allowance to noncurrent loans | 141.3627% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.7332% | 1,892 |
| Noncurrent loans to loans | 0.8924% | 1,805 |
| Net loans and leases to total assets | 78.2682% | 1,232 |
| Net loans and leases to deposits | 97.2566% | 955 |
| Net loans and leases to core deposits | 101.6837% | 1,601 |
| Total domestic deposits to total assets | 80.4760% | 4,002 |
| Equity capital to assets | 10.2084% | 3,460 |
| Core capital (leverage) ratio | 9.0019% | 4,652 |
| Tier 1 risk-based capital ratio | 10.7056% | 5,109 |
| Total risk-based capital ratio | 11.9558% | 4,999 |
| Memoranda: | ||
| Average total assets | $193,042,800 | 2,933 |
| Average earning assets | $178,918,600 | 2,930 |
| Average equity | $20,621,600 | 3,030 |
| Average total loans | $159,436,800 | 2,534 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8763% | 1,218 |
| Cost of funding earning assets | 0.7752% | 1,447 |
| Net interest margin | 4.1011% | 1,625 |
| Noninterest income to average assets | 0.1671% | 4,950 |
| Noninterest expense to average assets | 2.6055% | 3,265 |
| Loan and lease loss provision to assets | 0.1720% | 1,077 |
| Net operating income to assets | 1.1294% | 2,534 |
| Return on assets (ROA) | 1.1294% | 2,544 |
| Pretax return on assets | 1.1996% | 2,983 |
| Return on Equity (ROE) | 10.4471% | 2,415 |
| Retained earnings to average equity (ytd only) | 3.1426% | 4,176 |
| Net charge-offs to loans | 0.0050% | 3,258 |
| Credit loss provision to net charge-offs | 4,083.3333% | 99 |
| Earnings coverage of net charge-offs (x) | 325.6588% | 292 |
| Efficiency ratio | 65.4077% | 2,970 |
| Assets per employee ($millions) | 5.0444% | 2,414 |
| Cash dividends to net income (ytd only)* | 69.9191% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 2,517 |
| Loan loss allowance to noncurrent loans | 119.1194% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.9173% | 1,611 |
| Noncurrent loans to loans | 1.0233% | 1,680 |
| Net loans and leases to total assets | 85.7519% | 289 |
| Net loans and leases to deposits | 108.4827% | 337 |
| Net loans and leases to core deposits | 112.1269% | 907 |
| Total domestic deposits to total assets | 79.0466% | 4,305 |
| Equity capital to assets | 11.1346% | 2,530 |
| Core capital (leverage) ratio | 9.3492% | 4,337 |
| Tier 1 risk-based capital ratio | 10.6114% | 5,206 |
| Total risk-based capital ratio | 11.8317% | 5,132 |
| Memoranda: | ||
| Average total assets | $189,951,250 | 2,984 |
| Average earning assets | $176,469,750 | 2,982 |
| Average equity | $20,534,750 | 3,061 |
| Average total loans | $158,590,000 | 2,553 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7662% | 1,338 |
| Cost of funding earning assets | 0.7375% | 1,434 |
| Net interest margin | 4.0287% | 1,767 |
| Noninterest income to average assets | 0.1424% | 5,107 |
| Noninterest expense to average assets | 2.6171% | 3,280 |
| Loan and lease loss provision to assets | 0.1884% | 935 |
| Net operating income to assets | 1.0196% | 2,927 |
| Return on assets (ROA) | 1.0196% | 2,936 |
| Pretax return on assets | 1.0824% | 3,381 |
| Return on Equity (ROE) | 9.5246% | 2,787 |
| Retained earnings to average equity (ytd only) | 2.1905% | 4,404 |
| Net charge-offs to loans | 0.0038% | 3,044 |
| Credit loss provision to net charge-offs | 6,000.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 404.6667% | 229 |
| Efficiency ratio | 67.2052% | 2,778 |
| Assets per employee ($millions) | 5.0588% | 2,343 |
| Cash dividends to net income (ytd only)* | 77.0021% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 2,796 |
| Loan loss allowance to noncurrent loans | 114.6108% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.8968% | 1,679 |
| Noncurrent loans to loans | 1.0373% | 1,693 |
| Net loans and leases to total assets | 82.7543% | 617 |
| Net loans and leases to deposits | 99.7567% | 821 |
| Net loans and leases to core deposits | 102.9291% | 1,495 |
| Total domestic deposits to total assets | 82.9561% | 3,416 |
| Equity capital to assets | 10.6912% | 2,941 |
| Core capital (leverage) ratio | 8.9887% | 4,699 |
| Tier 1 risk-based capital ratio | 10.6178% | 5,225 |
| Total risk-based capital ratio | 11.8194% | 5,143 |
| Memoranda: | ||
| Average total assets | $191,054,000 | 2,995 |
| Average earning assets | $177,625,670 | 2,983 |
| Average equity | $20,452,330 | 3,084 |
| Average total loans | $157,445,000 | 2,576 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6719% | 1,372 |
| Cost of funding earning assets | 0.6694% | 1,607 |
| Net interest margin | 4.0026% | 1,721 |
| Noninterest income to average assets | 0.1197% | 5,254 |
| Noninterest expense to average assets | 2.6546% | 3,177 |
| Loan and lease loss provision to assets | 0.1365% | 1,381 |
| Net operating income to assets | 0.9871% | 2,902 |
| Return on assets (ROA) | 0.9871% | 2,934 |
| Pretax return on assets | 1.0459% | 3,373 |
| Return on Equity (ROE) | 9.2146% | 2,801 |
| Retained earnings to average equity (ytd only) | 1.8625% | 4,396 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0750% | 2,652 |
| Assets per employee ($millions) | 5.0758% | 2,394 |
| Cash dividends to net income (ytd only)* | 79.7872% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 3,061 |
| Loan loss allowance to noncurrent loans | 108.9534% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 0.9095% | 1,744 |
| Noncurrent loans to loans | 1.0613% | 1,726 |
| Net loans and leases to total assets | 81.9726% | 669 |
| Net loans and leases to deposits | 99.1447% | 773 |
| Net loans and leases to core deposits | 103.1823% | 1,442 |
| Total domestic deposits to total assets | 82.6797% | 3,763 |
| Equity capital to assets | 10.8774% | 2,701 |
| Core capital (leverage) ratio | 8.8139% | 4,877 |
| Tier 1 risk-based capital ratio | 10.9181% | 5,177 |
| Total risk-based capital ratio | 12.0899% | 5,120 |
| Memoranda: | ||
| Average total assets | $190,464,500 | 3,028 |
| Average earning assets | $176,885,500 | 3,025 |
| Average equity | $20,402,500 | 3,118 |
| Average total loans | $155,670,000 | 2,619 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4614% | 1,841 |
| Cost of funding earning assets | 0.5503% | 1,951 |
| Net interest margin | 3.9111% | 2,051 |
| Noninterest income to average assets | 0.2251% | 4,796 |
| Noninterest expense to average assets | 2.7714% | 2,884 |
| Loan and lease loss provision to assets | 0.0931% | 2,340 |
| Net operating income to assets | 0.9336% | 2,529 |
| Return on assets (ROA) | 0.9336% | 2,564 |
| Pretax return on assets | 0.9655% | 3,686 |
| Return on Equity (ROE) | 8.7155% | 2,442 |
| Retained earnings to average equity (ytd only) | -0.3280% | 5,093 |
| Net charge-offs to loans | 0.0020% | 4,044 |
| Credit loss provision to net charge-offs | 5,833.3333% | 68 |
| Earnings coverage of net charge-offs (x) | 663.0000% | 132 |
| Efficiency ratio | 72.2485% | 2,183 |
| Assets per employee ($millions) | 5.2196% | 2,235 |
| Cash dividends to net income (ytd only)* | 103.7628% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1157% | 3,263 |
| Loan loss allowance to noncurrent loans | 104.9577% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 0.8854% | 1,757 |
| Noncurrent loans to loans | 1.0630% | 1,675 |
| Net loans and leases to total assets | 79.6661% | 1,006 |
| Net loans and leases to deposits | 97.5798% | 935 |
| Net loans and leases to core deposits | 101.9562% | 1,556 |
| Total domestic deposits to total assets | 81.6420% | 3,958 |
| Equity capital to assets | 10.5511% | 3,109 |
| Core capital (leverage) ratio | 8.6719% | 4,979 |
| Tier 1 risk-based capital ratio | 10.7937% | 5,254 |
| Total risk-based capital ratio | 11.9165% | 5,200 |
| Memoranda: | ||
| Average total assets | $187,880,400 | 3,042 |
| Average earning assets | $173,173,400 | 3,035 |
| Average equity | $20,125,000 | 3,129 |
| Average total loans | $146,707,000 | 2,687 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3927% | 1,982 |
| Cost of funding earning assets | 0.5166% | 2,137 |
| Net interest margin | 3.8761% | 2,119 |
| Noninterest income to average assets | 0.2273% | 4,851 |
| Noninterest expense to average assets | 2.6663% | 3,184 |
| Loan and lease loss provision to assets | 0.0893% | 2,289 |
| Net operating income to assets | 0.9776% | 2,655 |
| Return on assets (ROA) | 0.9776% | 2,712 |
| Pretax return on assets | 1.0377% | 3,532 |
| Return on Equity (ROE) | 9.0916% | 2,558 |
| Retained earnings to average equity (ytd only) | -3.0039% | 5,488 |
| Net charge-offs to loans | 0.0009% | 3,761 |
| Credit loss provision to net charge-offs | 12,500.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 1,580.9098% | 54 |
| Efficiency ratio | 70.1771% | 2,508 |
| Assets per employee ($millions) | 4.9433% | 2,518 |
| Cash dividends to net income (ytd only)* | 133.0415% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 3,508 |
| Loan loss allowance to noncurrent loans | 97.9687% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 0.9476% | 1,796 |
| Noncurrent loans to loans | 1.1182% | 1,720 |
| Net loans and leases to total assets | 81.1313% | 820 |
| Net loans and leases to deposits | 100.7470% | 698 |
| Net loans and leases to core deposits | 105.4649% | 1,306 |
| Total domestic deposits to total assets | 80.5297% | 4,199 |
| Equity capital to assets | 10.6817% | 3,183 |
| Core capital (leverage) ratio | 8.7605% | 5,006 |
| Tier 1 risk-based capital ratio | 10.6531% | 5,393 |
| Total risk-based capital ratio | 11.7538% | 5,380 |
| Memoranda: | ||
| Average total assets | $186,569,000 | 3,081 |
| Average earning assets | $171,644,750 | 3,078 |
| Average equity | $20,062,000 | 3,159 |
| Average total loans | $144,485,750 | 2,734 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8520% | 770 |
| Cost of funding earning assets | 0.4466% | 2,634 |
| Net interest margin | 4.4054% | 697 |
| Noninterest income to average assets | 0.2839% | 4,522 |
| Noninterest expense to average assets | 2.8994% | 2,429 |
| Loan and lease loss provision to assets | 0.1915% | 969 |
| Net operating income to assets | 1.2053% | 1,578 |
| Return on assets (ROA) | 1.2053% | 1,614 |
| Pretax return on assets | 1.2819% | 2,457 |
| Return on Equity (ROE) | 11.1777% | 1,573 |
| Retained earnings to average equity (ytd only) | -9.7152% | 5,647 |
| Net charge-offs to loans | 0.0026% | 3,411 |
| Credit loss provision to net charge-offs | 8,500.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 654.0000% | 119 |
| Efficiency ratio | 66.3060% | 3,301 |
| Assets per employee ($millions) | 5.1402% | 2,224 |
| Cash dividends to net income (ytd only)* | 186.9159% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 2,542 |
| Loan loss allowance to noncurrent loans | 106.8856% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 1.0803% | 1,620 |
| Noncurrent loans to loans | 1.1931% | 1,634 |
| Net loans and leases to total assets | 89.3915% | 96 |
| Net loans and leases to deposits | 103.6738% | 513 |
| Net loans and leases to core deposits | 104.2410% | 1,336 |
| Total domestic deposits to total assets | 86.2239% | 2,284 |
| Equity capital to assets | 10.8133% | 3,019 |
| Core capital (leverage) ratio | 8.6220% | 5,119 |
| Tier 1 risk-based capital ratio | 9.9562% | 5,641 |
| Total risk-based capital ratio | 11.2070% | 5,601 |
| Memoranda: | ||
| Average total assets | $88,776,000 | 4,515 |
| Average earning assets | $82,399,670 | 4,500 |
| Average equity | $9,572,670 | 4,580 |
| Average total loans | $76,215,000 | 3,877 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5154% | 1,336 |
| Cost of funding earning assets | 0.4044% | 2,953 |
| Net interest margin | 4.1111% | 1,191 |
| Noninterest income to average assets | 0.2459% | 4,776 |
| Noninterest expense to average assets | 2.8433% | 2,641 |
| Loan and lease loss provision to assets | 0.1118% | 1,721 |
| Net operating income to assets | 1.0461% | 2,087 |
| Return on assets (ROA) | 1.0461% | 2,138 |
| Pretax return on assets | 1.1087% | 2,946 |
| Return on Equity (ROE) | 9.7151% | 2,089 |
| Retained earnings to average equity (ytd only) | -22.4609% | 5,754 |
| Net charge-offs to loans | 0.0054% | 2,784 |
| Credit loss provision to net charge-offs | 2,500.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 273.0000% | 215 |
| Efficiency ratio | 69.9670% | 2,899 |
| Assets per employee ($millions) | 5.2612% | 2,123 |
| Cash dividends to net income (ytd only)* | 331.1966% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 2,824 |
| Loan loss allowance to noncurrent loans | 109.3211% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.9716% | 1,885 |
| Noncurrent loans to loans | 1.1430% | 1,784 |
| Net loans and leases to total assets | 83.9391% | 372 |
| Net loans and leases to deposits | 97.4418% | 816 |
| Net loans and leases to core deposits | 99.0919% | 1,575 |
| Total domestic deposits to total assets | 86.1428% | 2,609 |
| Equity capital to assets | 10.4717% | 3,211 |
| Core capital (leverage) ratio | 8.8504% | 4,904 |
| Tier 1 risk-based capital ratio | 10.2156% | 5,646 |
| Total risk-based capital ratio | 11.4651% | 5,592 |
| Memoranda: | ||
| Average total assets | $89,472,500 | 4,550 |
| Average earning assets | $83,092,500 | 4,524 |
| Average equity | $9,634,500 | 4,598 |
| Average total loans | $74,761,500 | 3,930 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6621% | 1,137 |
| Cost of funding earning assets | 0.4129% | 2,882 |
| Net interest margin | 4.2492% | 1,014 |
| Noninterest income to average assets | 0.3069% | 4,546 |
| Noninterest expense to average assets | 2.8582% | 2,820 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3959% | 1,015 |
| Return on assets (ROA) | 1.3959% | 1,045 |
| Pretax return on assets | 1.3643% | 2,052 |
| Return on Equity (ROE) | 12.3584% | 1,156 |
| Retained earnings to average equity (ytd only) | 5.9002% | 1,765 |
| Net charge-offs to loans | 0.0027% | 4,170 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 584.5000% | 141 |
| Efficiency ratio | 67.6893% | 3,305 |
| Assets per employee ($millions) | 4.9724% | 2,426 |
| Cash dividends to net income (ytd only)* | 52.2575% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2586% | 2,765 |
| Loan loss allowance to noncurrent loans | 368.5259% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.2804% | 4,152 |
| Noncurrent loans to loans | 0.3415% | 3,913 |
| Net loans and leases to total assets | 81.0824% | 731 |
| Net loans and leases to deposits | 95.5360% | 1,038 |
| Net loans and leases to core deposits | 97.1773% | 1,823 |
| Total domestic deposits to total assets | 84.8711% | 3,106 |
| Equity capital to assets | 11.0643% | 2,572 |
| Core capital (leverage) ratio | 9.1853% | 4,498 |
| Tier 1 risk-based capital ratio | 11.3311% | 5,153 |
| Total risk-based capital ratio | 12.5808% | 5,055 |
| Memoranda: | ||
| Average total assets | $85,682,200 | 4,620 |
| Average earning assets | $78,956,400 | 4,608 |
| Average equity | $9,677,600 | 4,639 |
| Average total loans | $72,950,400 | 3,968 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6631% | 1,154 |
| Cost of funding earning assets | 0.4088% | 2,938 |
| Net interest margin | 4.2542% | 1,018 |
| Noninterest income to average assets | 0.2958% | 4,650 |
| Noninterest expense to average assets | 2.8027% | 3,002 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4556% | 966 |
| Return on assets (ROA) | 1.4556% | 1,009 |
| Pretax return on assets | 1.4068% | 2,016 |
| Return on Equity (ROE) | 12.8185% | 1,104 |
| Retained earnings to average equity (ytd only) | 8.3147% | 1,042 |
| Net charge-offs to loans | 0.0037% | 3,796 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 446.4307% | 199 |
| Efficiency ratio | 66.5794% | 3,492 |
| Assets per employee ($millions) | 4.9056% | 2,485 |
| Cash dividends to net income (ytd only)* | 35.1350% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 2,951 |
| Loan loss allowance to noncurrent loans | 368.5259% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.2843% | 4,288 |
| Noncurrent loans to loans | 0.3394% | 4,042 |
| Net loans and leases to total assets | 82.6967% | 547 |
| Net loans and leases to deposits | 97.8270% | 871 |
| Net loans and leases to core deposits | 99.5365% | 1,679 |
| Total domestic deposits to total assets | 84.5336% | 3,015 |
| Equity capital to assets | 11.2547% | 2,740 |
| Core capital (leverage) ratio | 9.9449% | 3,636 |
| Tier 1 risk-based capital ratio | 11.2577% | 5,223 |
| Total risk-based capital ratio | 12.5071% | 5,126 |
| Memoranda: | ||
| Average total assets | $84,726,750 | 4,672 |
| Average earning assets | $77,944,000 | 4,666 |
| Average equity | $9,621,250 | 4,691 |
| Average total loans | $72,813,750 | 3,997 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6254% | 1,219 |
| Cost of funding earning assets | 0.4106% | 2,930 |
| Net interest margin | 4.2148% | 1,088 |
| Noninterest income to average assets | 0.2849% | 4,748 |
| Noninterest expense to average assets | 2.8036% | 3,015 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4317% | 1,004 |
| Return on assets (ROA) | 1.4317% | 1,052 |
| Pretax return on assets | 1.3647% | 2,151 |
| Return on Equity (ROE) | 12.5687% | 1,145 |
| Retained earnings to average equity (ytd only) | 9.4160% | 739 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2602% | 3,491 |
| Assets per employee ($millions) | 4.7342% | 2,655 |
| Cash dividends to net income (ytd only)* | 25.0836% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2537% | 3,053 |
| Loan loss allowance to noncurrent loans | 410.1770% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.2652% | 4,439 |
| Noncurrent loans to loans | 0.3056% | 4,273 |
| Net loans and leases to total assets | 85.6834% | 276 |
| Net loans and leases to deposits | 101.7659% | 579 |
| Net loans and leases to core deposits | 102.3493% | 1,445 |
| Total domestic deposits to total assets | 84.1966% | 3,199 |
| Equity capital to assets | 11.4849% | 2,566 |
| Core capital (leverage) ratio | 9.6006% | 4,070 |
| Tier 1 risk-based capital ratio | 11.1332% | 5,344 |
| Total risk-based capital ratio | 12.3838% | 5,262 |
| Memoranda: | ||
| Average total assets | $83,535,330 | 4,729 |
| Average earning assets | $76,966,000 | 4,732 |
| Average equity | $9,515,670 | 4,740 |
| Average total loans | $72,436,000 | 4,030 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5792% | 1,314 |
| Cost of funding earning assets | 0.3943% | 3,149 |
| Net interest margin | 4.1849% | 1,130 |
| Noninterest income to average assets | 0.2757% | 4,752 |
| Noninterest expense to average assets | 2.9361% | 2,582 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1270% | 1,803 |
| Return on assets (ROA) | 1.1270% | 1,908 |
| Pretax return on assets | 1.1899% | 2,742 |
| Return on Equity (ROE) | 9.9360% | 2,009 |
| Retained earnings to average equity (ytd only) | 3.5394% | 3,725 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1606% | 2,924 |
| Assets per employee ($millions) | 4.2695% | 3,457 |
| Cash dividends to net income (ytd only)* | 64.3777% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 2,998 |
| Loan loss allowance to noncurrent loans | 99.8922% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.1440% | 1,922 |
| Noncurrent loans to loans | 1.2830% | 1,883 |
| Net loans and leases to total assets | 88.0228% | 116 |
| Net loans and leases to deposits | 104.9148% | 371 |
| Net loans and leases to core deposits | 105.5475% | 1,104 |
| Total domestic deposits to total assets | 83.8994% | 3,558 |
| Equity capital to assets | 11.6135% | 2,331 |
| Core capital (leverage) ratio | 9.5888% | 4,046 |
| Tier 1 risk-based capital ratio | 10.8269% | 5,590 |
| Total risk-based capital ratio | 12.0780% | 5,500 |
| Memoranda: | ||
| Average total assets | $82,695,000 | 4,794 |
| Average earning assets | $76,083,500 | 4,793 |
| Average equity | $9,380,000 | 4,783 |
| Average total loans | $71,682,500 | 4,071 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8822% | 796 |
| Cost of funding earning assets | 0.4057% | 3,093 |
| Net interest margin | 4.4765% | 684 |
| Noninterest income to average assets | 0.2631% | 5,006 |
| Noninterest expense to average assets | 2.9528% | 2,691 |
| Loan and lease loss provision to assets | 0.1185% | 2,009 |
| Net operating income to assets | 1.2311% | 1,448 |
| Return on assets (ROA) | 1.2311% | 1,507 |
| Pretax return on assets | 1.3105% | 2,240 |
| Return on Equity (ROE) | 11.4698% | 1,447 |
| Retained earnings to average equity (ytd only) | 5.0560% | 2,374 |
| Net charge-offs to loans | 0.0092% | 4,136 |
| Credit loss provision to net charge-offs | 1,428.5714% | 240 |
| Earnings coverage of net charge-offs (x) | 172.2857% | 379 |
| Efficiency ratio | 67.0092% | 3,744 |
| Assets per employee ($millions) | 4.0128% | 3,916 |
| Cash dividends to net income (ytd only)* | 55.9192% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3050% | 2,866 |
| Loan loss allowance to noncurrent loans | 375.3036% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.2931% | 4,423 |
| Noncurrent loans to loans | 0.3477% | 4,221 |
| Net loans and leases to total assets | 83.1931% | 468 |
| Net loans and leases to deposits | 98.3240% | 795 |
| Net loans and leases to core deposits | 98.8899% | 1,599 |
| Total domestic deposits to total assets | 84.6112% | 3,250 |
| Equity capital to assets | 11.0824% | 2,740 |
| Core capital (leverage) ratio | 8.8296% | 5,076 |
| Tier 1 risk-based capital ratio | 10.9084% | 5,567 |
| Total risk-based capital ratio | 12.1596% | 5,481 |
| Memoranda: | ||
| Average total assets | $84,394,000 | 4,783 |
| Average earning assets | $77,650,000 | 4,772 |
| Average equity | $9,058,600 | 4,834 |
| Average total loans | $75,822,400 | 3,950 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9089% | 754 |
| Cost of funding earning assets | 0.4105% | 3,119 |
| Net interest margin | 4.4984% | 652 |
| Noninterest income to average assets | 0.2527% | 5,132 |
| Noninterest expense to average assets | 2.8679% | 2,942 |
| Loan and lease loss provision to assets | 0.1579% | 1,363 |
| Net operating income to assets | 1.2792% | 1,394 |
| Return on assets (ROA) | 1.2792% | 1,451 |
| Pretax return on assets | 1.3629% | 2,168 |
| Return on Equity (ROE) | 12.0150% | 1,369 |
| Retained earnings to average equity (ytd only) | 4.5687% | 3,223 |
| Net charge-offs to loans | 0.0121% | 3,750 |
| Credit loss provision to net charge-offs | 1,428.5714% | 253 |
| Earnings coverage of net charge-offs (x) | 137.6174% | 497 |
| Efficiency ratio | 64.9514% | 4,073 |
| Assets per employee ($millions) | 4.2851% | 3,343 |
| Cash dividends to net income (ytd only)* | 61.9758% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1772% | 3,778 |
| Loan loss allowance to noncurrent loans | 282.6220% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.3827% | 4,231 |
| Noncurrent loans to loans | 0.4165% | 4,111 |
| Net loans and leases to total assets | 90.8030% | 46 |
| Net loans and leases to deposits | 110.6435% | 239 |
| Net loans and leases to core deposits | 111.2875% | 799 |
| Total domestic deposits to total assets | 82.0681% | 4,140 |
| Equity capital to assets | 10.7244% | 3,331 |
| Core capital (leverage) ratio | 8.9716% | 5,025 |
| Tier 1 risk-based capital ratio | 9.5346% | 6,140 |
| Total risk-based capital ratio | 10.7099% | 6,128 |
| Memoranda: | ||
| Average total assets | $84,425,250 | 4,839 |
| Average earning assets | $77,625,250 | 4,827 |
| Average equity | $8,988,500 | 4,915 |
| Average total loans | $77,019,750 | 3,949 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8325% | 839 |
| Cost of funding earning assets | 0.4113% | 3,145 |
| Net interest margin | 4.4211% | 735 |
| Noninterest income to average assets | 0.2619% | 5,077 |
| Noninterest expense to average assets | 2.8333% | 3,122 |
| Loan and lease loss provision to assets | 0.2381% | 764 |
| Net operating income to assets | 1.1786% | 1,672 |
| Return on assets (ROA) | 1.1786% | 1,739 |
| Pretax return on assets | 1.2595% | 2,511 |
| Return on Equity (ROE) | 11.0974% | 1,653 |
| Retained earnings to average equity (ytd only) | 3.0714% | 4,087 |
| Net charge-offs to loans | 0.0183% | 3,329 |
| Credit loss provision to net charge-offs | 1,428.5714% | 258 |
| Earnings coverage of net charge-offs (x) | 89.8571% | 648 |
| Efficiency ratio | 65.0357% | 4,184 |
| Assets per employee ($millions) | 4.1713% | 3,525 |
| Cash dividends to net income (ytd only)* | 72.3232% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 3,750 |
| Loan loss allowance to noncurrent loans | 303.9344% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.3656% | 4,431 |
| Noncurrent loans to loans | 0.3971% | 4,293 |
| Net loans and leases to total assets | 90.9537% | 42 |
| Net loans and leases to deposits | 108.7965% | 289 |
| Net loans and leases to core deposits | 109.4351% | 866 |
| Total domestic deposits to total assets | 83.5998% | 3,729 |
| Equity capital to assets | 10.8084% | 3,098 |
| Core capital (leverage) ratio | 8.9141% | 5,074 |
| Tier 1 risk-based capital ratio | 9.5960% | 6,186 |
| Total risk-based capital ratio | 10.8068% | 6,170 |
| Memoranda: | ||
| Average total assets | $83,999,670 | 4,896 |
| Average earning assets | $77,310,330 | 4,883 |
| Average equity | $8,921,000 | 4,958 |
| Average total loans | $76,444,000 | 3,989 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6821% | 1,066 |
| Cost of funding earning assets | 0.3966% | 3,343 |
| Net interest margin | 4.2855% | 906 |
| Noninterest income to average assets | 0.2420% | 5,239 |
| Noninterest expense to average assets | 2.7335% | 3,472 |
| Loan and lease loss provision to assets | 0.2373% | 720 |
| Net operating income to assets | 1.1390% | 1,728 |
| Return on assets (ROA) | 1.1390% | 1,838 |
| Pretax return on assets | 1.2196% | 2,588 |
| Return on Equity (ROE) | 10.8193% | 1,680 |
| Retained earnings to average equity (ytd only) | -0.8115% | 5,519 |
| Net charge-offs to loans | 0.0367% | 2,473 |
| Credit loss provision to net charge-offs | 714.2857% | 422 |
| Earnings coverage of net charge-offs (x) | 43.8571% | 919 |
| Efficiency ratio | 64.7792% | 4,350 |
| Assets per employee ($millions) | 4.2039% | 3,556 |
| Cash dividends to net income (ytd only)* | 107.5000% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1745% | 4,124 |
| Loan loss allowance to noncurrent loans | 197.0787% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.5293% | 3,908 |
| Noncurrent loans to loans | 0.5959% | 3,791 |
| Net loans and leases to total assets | 87.7697% | 118 |
| Net loans and leases to deposits | 103.8956% | 372 |
| Net loans and leases to core deposits | 104.4929% | 1,034 |
| Total domestic deposits to total assets | 84.4787% | 3,621 |
| Equity capital to assets | 10.5426% | 3,490 |
| Core capital (leverage) ratio | 8.9934% | 4,963 |
| Tier 1 risk-based capital ratio | 9.6826% | 6,236 |
| Total risk-based capital ratio | 10.8635% | 6,220 |
| Memoranda: | ||
| Average total assets | $84,286,500 | 4,934 |
| Average earning assets | $77,658,000 | 4,931 |
| Average equity | $8,873,000 | 5,017 |
| Average total loans | $76,263,000 | 4,012 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0262% | 732 |
| Cost of funding earning assets | 0.3955% | 3,738 |
| Net interest margin | 4.6307% | 588 |
| Noninterest income to average assets | 0.3655% | 4,473 |
| Noninterest expense to average assets | 2.8223% | 3,407 |
| Loan and lease loss provision to assets | 0.3680% | 506 |
| Net operating income to assets | 1.3377% | 1,214 |
| Return on assets (ROA) | 1.3377% | 1,264 |
| Pretax return on assets | 1.4256% | 1,798 |
| Return on Equity (ROE) | 12.5200% | 1,262 |
| Retained earnings to average equity (ytd only) | 9.5928% | 586 |
| Net charge-offs to loans | 0.0014% | 4,952 |
| Credit loss provision to net charge-offs | 29,300.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 1,428.0000% | 25 |
| Efficiency ratio | 60.7619% | 5,106 |
| Assets per employee ($millions) | 4.4471% | 3,128 |
| Cash dividends to net income (ytd only)* | 23.3803% | 3,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 4,686 |
| Loan loss allowance to noncurrent loans | 180.1296% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.5480% | 3,972 |
| Noncurrent loans to loans | 0.5947% | 3,887 |
| Net loans and leases to total assets | 91.1533% | 42 |
| Net loans and leases to deposits | 112.5990% | 182 |
| Net loans and leases to core deposits | 113.2714% | 635 |
| Total domestic deposits to total assets | 80.9539% | 4,762 |
| Equity capital to assets | 10.5119% | 3,463 |
| Core capital (leverage) ratio | 8.9420% | 5,075 |
| Tier 1 risk-based capital ratio | 9.3818% | 6,366 |
| Total risk-based capital ratio | 10.4686% | 6,368 |
| Memoranda: | ||
| Average total assets | $79,615,600 | 5,072 |
| Average earning assets | $73,077,600 | 5,067 |
| Average equity | $8,506,400 | 5,082 |
| Average total loans | $71,706,600 | 4,131 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0749% | 678 |
| Cost of funding earning assets | 0.4173% | 3,611 |
| Net interest margin | 4.6575% | 551 |
| Noninterest income to average assets | 0.3248% | 4,831 |
| Noninterest expense to average assets | 2.7994% | 3,459 |
| Loan and lease loss provision to assets | 0.3963% | 430 |
| Net operating income to assets | 1.3011% | 1,367 |
| Return on assets (ROA) | 1.3011% | 1,424 |
| Pretax return on assets | 1.3997% | 2,007 |
| Return on Equity (ROE) | 12.1245% | 1,450 |
| Retained earnings to average equity (ytd only) | 10.6347% | 567 |
| Net charge-offs to loans | 0.0019% | 4,651 |
| Credit loss provision to net charge-offs | 23,300.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 1,058.6165% | 62 |
| Efficiency ratio | 60.5107% | 5,120 |
| Assets per employee ($millions) | 4.1561% | 3,554 |
| Cash dividends to net income (ytd only)* | 12.2876% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 4,848 |
| Loan loss allowance to noncurrent loans | 167.5325% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.6041% | 4,030 |
| Noncurrent loans to loans | 0.6438% | 4,003 |
| Net loans and leases to total assets | 89.8919% | 59 |
| Net loans and leases to deposits | 105.1646% | 361 |
| Net loans and leases to core deposits | 105.7994% | 968 |
| Total domestic deposits to total assets | 85.4773% | 3,123 |
| Equity capital to assets | 11.0668% | 2,885 |
| Core capital (leverage) ratio | 8.9639% | 5,118 |
| Tier 1 risk-based capital ratio | 9.9827% | 6,353 |
| Total risk-based capital ratio | 11.0785% | 6,353 |
| Memoranda: | ||
| Average total assets | $78,395,750 | 5,161 |
| Average earning assets | $71,882,000 | 5,143 |
| Average equity | $8,412,500 | 5,148 |
| Average total loans | $70,169,750 | 4,215 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9799% | 780 |
| Cost of funding earning assets | 0.4210% | 3,646 |
| Net interest margin | 4.5589% | 626 |
| Noninterest income to average assets | 0.2583% | 5,347 |
| Noninterest expense to average assets | 2.7185% | 3,799 |
| Loan and lease loss provision to assets | 0.3529% | 509 |
| Net operating income to assets | 1.2736% | 1,379 |
| Return on assets (ROA) | 1.2736% | 1,436 |
| Pretax return on assets | 1.3682% | 2,010 |
| Return on Equity (ROE) | 11.9947% | 1,419 |
| Retained earnings to average equity (ytd only) | 10.8868% | 553 |
| Net charge-offs to loans | 0.0086% | 4,103 |
| Credit loss provision to net charge-offs | 4,600.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 224.3333% | 304 |
| Efficiency ratio | 60.8295% | 5,170 |
| Assets per employee ($millions) | 4.2413% | 3,388 |
| Cash dividends to net income (ytd only)* | 9.2369% | 3,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9123% | 5,688 |
| Loan loss allowance to noncurrent loans | 92.8669% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 0.9046% | 3,281 |
| Noncurrent loans to loans | 0.9824% | 3,271 |
| Net loans and leases to total assets | 91.2427% | 33 |
| Net loans and leases to deposits | 110.3313% | 200 |
| Net loans and leases to core deposits | 111.0059% | 648 |
| Total domestic deposits to total assets | 82.6988% | 4,415 |
| Equity capital to assets | 10.5716% | 3,350 |
| Core capital (leverage) ratio | 8.6830% | 5,427 |
| Tier 1 risk-based capital ratio | 9.3906% | 6,504 |
| Total risk-based capital ratio | 10.3219% | 6,524 |
| Memoranda: | ||
| Average total assets | $78,205,670 | 5,204 |
| Average earning assets | $71,728,000 | 5,189 |
| Average equity | $8,303,670 | 5,193 |
| Average total loans | $69,640,330 | 4,249 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8987% | 876 |
| Cost of funding earning assets | 0.3921% | 4,062 |
| Net interest margin | 4.5066% | 650 |
| Noninterest income to average assets | 0.2857% | 5,082 |
| Noninterest expense to average assets | 2.7630% | 3,705 |
| Loan and lease loss provision to assets | 0.2077% | 1,114 |
| Net operating income to assets | 1.3452% | 1,114 |
| Return on assets (ROA) | 1.3452% | 1,154 |
| Pretax return on assets | 1.4335% | 1,627 |
| Return on Equity (ROE) | 12.6403% | 1,250 |
| Retained earnings to average equity (ytd only) | 12.6403% | 531 |
| Net charge-offs to loans | 0.0119% | 3,374 |
| Credit loss provision to net charge-offs | 2,000.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 308 |
| Efficiency ratio | 62.2642% | 5,086 |
| Assets per employee ($millions) | 4.0413% | 3,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8618% | 5,975 |
| Loan loss allowance to noncurrent loans | 267.2811% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.2826% | 5,315 |
| Noncurrent loans to loans | 0.3224% | 5,143 |
| Net loans and leases to total assets | 86.8983% | 111 |
| Net loans and leases to deposits | 101.3827% | 386 |
| Net loans and leases to core deposits | 102.0104% | 987 |
| Total domestic deposits to total assets | 85.7132% | 3,508 |
| Equity capital to assets | 10.8421% | 2,890 |
| Core capital (leverage) ratio | 8.7685% | 5,300 |
| Tier 1 risk-based capital ratio | 10.0772% | 6,453 |
| Total risk-based capital ratio | 10.9586% | 6,503 |
| Memoranda: | ||
| Average total assets | $77,016,500 | 5,277 |
| Average earning assets | $70,386,000 | 5,265 |
| Average equity | $8,196,000 | 5,242 |
| Average total loans | $67,358,500 | 4,342 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9482% | 1,004 |
| Cost of funding earning assets | 0.4275% | 4,347 |
| Net interest margin | 4.5207% | 711 |
| Noninterest income to average assets | 0.3664% | 4,692 |
| Noninterest expense to average assets | 3.0767% | 2,813 |
| Loan and lease loss provision to assets | 0.1338% | 2,636 |
| Net operating income to assets | 1.1616% | 1,717 |
| Return on assets (ROA) | 1.1616% | 1,775 |
| Pretax return on assets | 1.2369% | 2,432 |
| Return on Equity (ROE) | 11.3466% | 1,657 |
| Retained earnings to average equity (ytd only) | 4.2391% | 3,163 |
| Net charge-offs to loans | 0.0016% | 5,451 |
| Credit loss provision to net charge-offs | 10,300.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 1,055.0000% | 34 |
| Efficiency ratio | 68.5656% | 4,087 |
| Assets per employee ($millions) | 4.0657% | 3,718 |
| Cash dividends to net income (ytd only)* | 62.6398% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8040% | 6,169 |
| Loan loss allowance to noncurrent loans | 722.6667% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 6,048 |
| Noncurrent loans to loans | 0.1113% | 5,873 |
| Net loans and leases to total assets | 86.5655% | 128 |
| Net loans and leases to deposits | 100.4778% | 460 |
| Net loans and leases to core deposits | 101.0915% | 1,082 |
| Total domestic deposits to total assets | 86.1539% | 3,176 |
| Equity capital to assets | 10.4429% | 3,232 |
| Core capital (leverage) ratio | 8.1069% | 6,048 |
| Tier 1 risk-based capital ratio | 9.6346% | 6,588 |
| Total risk-based capital ratio | 10.4546% | 6,624 |
| Memoranda: | ||
| Average total assets | $76,965,200 | 5,303 |
| Average earning assets | $69,480,200 | 5,322 |
| Average equity | $7,879,000 | 5,373 |
| Average total loans | $62,801,000 | 4,518 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8983% | 1,127 |
| Cost of funding earning assets | 0.4316% | 4,492 |
| Net interest margin | 4.4666% | 778 |
| Noninterest income to average assets | 0.3485% | 4,896 |
| Noninterest expense to average assets | 2.7258% | 3,920 |
| Loan and lease loss provision to assets | 0.1266% | 2,714 |
| Net operating income to assets | 1.4322% | 1,023 |
| Return on assets (ROA) | 1.4322% | 1,079 |
| Pretax return on assets | 1.5155% | 1,561 |
| Return on Equity (ROE) | 14.0617% | 982 |
| Retained earnings to average equity (ytd only) | 4.5283% | 3,456 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7705% | 5,166 |
| Assets per employee ($millions) | 4.0891% | 3,657 |
| Cash dividends to net income (ytd only)* | 67.7965% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7548% | 6,360 |
| Loan loss allowance to noncurrent loans | 123.6145% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.5342% | 4,844 |
| Noncurrent loans to loans | 0.6106% | 4,674 |
| Net loans and leases to total assets | 86.8135% | 114 |
| Net loans and leases to deposits | 107.0875% | 211 |
| Net loans and leases to core deposits | 107.7788% | 676 |
| Total domestic deposits to total assets | 81.0678% | 5,197 |
| Equity capital to assets | 10.2931% | 3,519 |
| Core capital (leverage) ratio | 8.6054% | 5,657 |
| Tier 1 risk-based capital ratio | 9.4242% | 6,688 |
| Total risk-based capital ratio | 10.1922% | 6,729 |
| Memoranda: | ||
| Average total assets | $76,894,250 | 5,360 |
| Average earning assets | $69,192,750 | 5,381 |
| Average equity | $7,832,000 | 5,439 |
| Average total loans | $61,648,000 | 4,595 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7951% | 1,336 |
| Cost of funding earning assets | 0.4341% | 4,619 |
| Net interest margin | 4.3610% | 918 |
| Noninterest income to average assets | 0.2584% | 5,606 |
| Noninterest expense to average assets | 2.6387% | 4,254 |
| Loan and lease loss provision to assets | 0.1122% | 2,938 |
| Net operating income to assets | 1.3389% | 1,227 |
| Return on assets (ROA) | 1.3389% | 1,314 |
| Pretax return on assets | 1.4146% | 1,877 |
| Return on Equity (ROE) | 13.1927% | 1,198 |
| Retained earnings to average equity (ytd only) | 2.6488% | 4,623 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6566% | 5,072 |
| Assets per employee ($millions) | 4.1344% | 3,505 |
| Cash dividends to net income (ytd only)* | 79.9220% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7810% | 6,390 |
| Loan loss allowance to noncurrent loans | 357.7778% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.1814% | 5,956 |
| Noncurrent loans to loans | 0.2183% | 5,758 |
| Net loans and leases to total assets | 82.4563% | 328 |
| Net loans and leases to deposits | 95.9772% | 675 |
| Net loans and leases to core deposits | 97.0919% | 1,275 |
| Total domestic deposits to total assets | 85.9124% | 3,419 |
| Equity capital to assets | 10.5241% | 3,266 |
| Core capital (leverage) ratio | 8.2705% | 5,924 |
| Tier 1 risk-based capital ratio | 10.1894% | 6,593 |
| Total risk-based capital ratio | 10.9927% | 6,666 |
| Memoranda: | ||
| Average total assets | $76,628,000 | 5,400 |
| Average earning assets | $68,654,000 | 5,432 |
| Average equity | $7,777,000 | 5,492 |
| Average total loans | $59,543,670 | 4,688 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6422% | 1,704 |
| Cost of funding earning assets | 0.4309% | 4,794 |
| Net interest margin | 4.2113% | 1,163 |
| Noninterest income to average assets | 0.2367% | 5,765 |
| Noninterest expense to average assets | 2.4597% | 4,912 |
| Loan and lease loss provision to assets | 0.1132% | 2,816 |
| Net operating income to assets | 1.3585% | 1,130 |
| Return on assets (ROA) | 1.3585% | 1,222 |
| Pretax return on assets | 1.4357% | 1,754 |
| Return on Equity (ROE) | 13.6267% | 1,029 |
| Retained earnings to average equity (ytd only) | 0.7226% | 5,540 |
| Net charge-offs to loans | 0.0137% | 3,873 |
| Credit loss provision to net charge-offs | 1,100.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 150.5000% | 267 |
| Efficiency ratio | 60.7189% | 5,488 |
| Assets per employee ($millions) | 4.3443% | 3,252 |
| Cash dividends to net income (ytd only)* | 94.6970% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7771% | 6,493 |
| Loan loss allowance to noncurrent loans | 46,000.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 6,656 |
| Noncurrent loans to loans | 0.0017% | 6,529 |
| Net loans and leases to total assets | 75.1129% | 946 |
| Net loans and leases to deposits | 86.6313% | 1,280 |
| Net loans and leases to core deposits | 87.5781% | 1,949 |
| Total domestic deposits to total assets | 86.7041% | 3,127 |
| Equity capital to assets | 9.9185% | 4,251 |
| Core capital (leverage) ratio | 8.1433% | 5,999 |
| Tier 1 risk-based capital ratio | 10.4857% | 6,583 |
| Total risk-based capital ratio | 11.2853% | 6,676 |
| Memoranda: | ||
| Average total assets | $77,732,000 | 5,422 |
| Average earning assets | $69,621,500 | 5,446 |
| Average equity | $7,749,500 | 5,566 |
| Average total loans | $58,392,000 | 4,764 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2793% | 969 |
| Cost of funding earning assets | 0.5789% | 4,550 |
| Net interest margin | 4.7004% | 647 |
| Noninterest income to average assets | 0.7713% | 2,386 |
| Noninterest expense to average assets | 2.9414% | 3,498 |
| Loan and lease loss provision to assets | 0.3032% | 2,254 |
| Net operating income to assets | 1.6441% | 696 |
| Return on assets (ROA) | 1.6441% | 770 |
| Pretax return on assets | 1.7626% | 992 |
| Return on Equity (ROE) | 15.7130% | 703 |
| Retained earnings to average equity (ytd only) | 8.4899% | 967 |
| Net charge-offs to loans | 0.0399% | 5,361 |
| Credit loss provision to net charge-offs | 977.2727% | 259 |
| Earnings coverage of net charge-offs (x) | 66.5909% | 540 |
| Efficiency ratio | 57.4486% | 5,903 |
| Assets per employee ($millions) | 4.2926% | 3,371 |
| Cash dividends to net income (ytd only)* | 45.9691% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7640% | 6,549 |
| Loan loss allowance to noncurrent loans | 14,666.6667% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 6,701 |
| Noncurrent loans to loans | 0.0052% | 6,570 |
| Net loans and leases to total assets | 73.9617% | 1,201 |
| Net loans and leases to deposits | 85.5112% | 1,576 |
| Net loans and leases to core deposits | 86.4203% | 2,256 |
| Total domestic deposits to total assets | 86.4936% | 3,101 |
| Equity capital to assets | 10.0211% | 4,137 |
| Core capital (leverage) ratio | 8.2883% | 5,896 |
| Tier 1 risk-based capital ratio | 10.7604% | 6,446 |
| Total risk-based capital ratio | 11.5478% | 6,581 |
| Memoranda: | ||
| Average total assets | $70,919,200 | 5,605 |
| Average earning assets | $63,910,000 | 5,611 |
| Average equity | $7,420,600 | 5,659 |
| Average total loans | $55,157,600 | 4,898 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4293% | 784 |
| Cost of funding earning assets | 0.6270% | 4,391 |
| Net interest margin | 4.8023% | 561 |
| Noninterest income to average assets | 0.8711% | 1,935 |
| Noninterest expense to average assets | 2.9769% | 3,316 |
| Loan and lease loss provision to assets | 0.3327% | 1,969 |
| Net operating income to assets | 1.7635% | 621 |
| Return on assets (ROA) | 1.7635% | 685 |
| Pretax return on assets | 1.8769% | 913 |
| Return on Equity (ROE) | 16.6572% | 650 |
| Retained earnings to average equity (ytd only) | 8.7554% | 1,324 |
| Net charge-offs to loans | 0.0538% | 4,899 |
| Credit loss provision to net charge-offs | 786.3636% | 357 |
| Earnings coverage of net charge-offs (x) | 52.2318% | 730 |
| Efficiency ratio | 56.0994% | 6,045 |
| Assets per employee ($millions) | 3.6706% | 4,608 |
| Cash dividends to net income (ytd only)* | 47.4375% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6874% | 6,762 |
| Loan loss allowance to noncurrent loans | 652.4590% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 6,513 |
| Noncurrent loans to loans | 0.1054% | 6,354 |
| Net loans and leases to total assets | 82.4465% | 309 |
| Net loans and leases to deposits | 96.7622% | 609 |
| Net loans and leases to core deposits | 97.9173% | 1,267 |
| Total domestic deposits to total assets | 85.2053% | 3,659 |
| Equity capital to assets | 10.8932% | 3,386 |
| Core capital (leverage) ratio | 8.3868% | 5,911 |
| Tier 1 risk-based capital ratio | 10.3176% | 6,724 |
| Total risk-based capital ratio | 11.0191% | 6,839 |
| Memoranda: | ||
| Average total assets | $69,332,250 | 5,708 |
| Average earning assets | $62,302,250 | 5,731 |
| Average equity | $7,340,000 | 5,732 |
| Average total loans | $54,550,000 | 4,969 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3057% | 1,042 |
| Cost of funding earning assets | 0.6632% | 4,340 |
| Net interest margin | 4.6425% | 759 |
| Noninterest income to average assets | 0.7341% | 2,499 |
| Noninterest expense to average assets | 2.9539% | 3,428 |
| Loan and lease loss provision to assets | 0.3757% | 1,742 |
| Net operating income to assets | 1.4770% | 1,035 |
| Return on assets (ROA) | 1.4770% | 1,159 |
| Pretax return on assets | 1.5723% | 1,630 |
| Return on Equity (ROE) | 14.0881% | 1,092 |
| Retained earnings to average equity (ytd only) | 7.3887% | 1,918 |
| Net charge-offs to loans | 0.0150% | 5,216 |
| Credit loss provision to net charge-offs | 3,250.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 168.5000% | 272 |
| Efficiency ratio | 58.7854% | 5,758 |
| Assets per employee ($millions) | 3.6125% | 4,727 |
| Cash dividends to net income (ytd only)* | 47.5538% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6441% | 6,888 |
| Loan loss allowance to noncurrent loans | 18,650.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 6,858 |
| Noncurrent loans to loans | 0.0035% | 6,718 |
| Net loans and leases to total assets | 79.6426% | 546 |
| Net loans and leases to deposits | 94.7068% | 714 |
| Net loans and leases to core deposits | 95.8138% | 1,441 |
| Total domestic deposits to total assets | 84.0939% | 4,281 |
| Equity capital to assets | 10.2202% | 4,032 |
| Core capital (leverage) ratio | 7.9081% | 6,362 |
| Tier 1 risk-based capital ratio | 9.6168% | 6,906 |
| Total risk-based capital ratio | 10.2595% | 6,983 |
| Memoranda: | ||
| Average total assets | $69,196,000 | 5,754 |
| Average earning assets | $62,121,330 | 5,761 |
| Average equity | $7,254,330 | 5,771 |
| Average total loans | $53,434,330 | 5,052 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3783% | 945 |
| Cost of funding earning assets | 0.7096% | 4,203 |
| Net interest margin | 4.6687% | 726 |
| Noninterest income to average assets | 0.9872% | 1,457 |
| Noninterest expense to average assets | 3.0442% | 3,099 |
| Loan and lease loss provision to assets | 0.5202% | 1,157 |
| Net operating income to assets | 1.5014% | 1,014 |
| Return on assets (ROA) | 1.5014% | 1,135 |
| Pretax return on assets | 1.5842% | 1,621 |
| Return on Equity (ROE) | 14.1317% | 1,162 |
| Retained earnings to average equity (ytd only) | 7.8448% | 2,038 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6349% | 5,962 |
| Assets per employee ($millions) | 3.6130% | 4,850 |
| Cash dividends to net income (ytd only)* | 44.4882% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6268% | 6,957 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3183% | 6,094 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 73.4943% | 1,138 |
| Net loans and leases to deposits | 87.3226% | 1,248 |
| Net loans and leases to core deposits | 88.3394% | 2,012 |
| Total domestic deposits to total assets | 84.1641% | 4,416 |
| Equity capital to assets | 10.0457% | 4,071 |
| Core capital (leverage) ratio | 8.1288% | 6,121 |
| Tier 1 risk-based capital ratio | 9.9971% | 6,882 |
| Total risk-based capital ratio | 10.6125% | 6,984 |
| Memoranda: | ||
| Average total assets | $67,669,500 | 5,838 |
| Average earning assets | $60,316,000 | 5,864 |
| Average equity | $7,189,500 | 5,812 |
| Average total loans | $51,194,500 | 5,174 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6412% | 882 |
| Cost of funding earning assets | 0.8169% | 4,733 |
| Net interest margin | 4.8243% | 594 |
| Noninterest income to average assets | 0.8555% | 1,822 |
| Noninterest expense to average assets | 3.0429% | 3,421 |
| Loan and lease loss provision to assets | 0.3985% | 2,604 |
| Net operating income to assets | 1.5902% | 678 |
| Return on assets (ROA) | 1.5841% | 749 |
| Pretax return on assets | 1.6817% | 1,029 |
| Return on Equity (ROE) | 13.8533% | 970 |
| Retained earnings to average equity (ytd only) | 5.0208% | 2,626 |
| Net charge-offs to loans | -0.0044% | 6,830 |
| Credit loss provision to net charge-offs | -12,250.0000% | 6,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7362% | 6,085 |
| Assets per employee ($millions) | 3.3199% | 5,454 |
| Cash dividends to net income (ytd only)* | 63.7577% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5046% | 7,104 |
| Loan loss allowance to noncurrent loans | 175.1773% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.2235% | 6,403 |
| Noncurrent loans to loans | 0.2881% | 6,146 |
| Net loans and leases to total assets | 77.2048% | 804 |
| Net loans and leases to deposits | 89.3775% | 1,214 |
| Net loans and leases to core deposits | 90.5406% | 2,045 |
| Total domestic deposits to total assets | 86.3806% | 3,092 |
| Equity capital to assets | 11.2874% | 2,706 |
| Core capital (leverage) ratio | 8.3780% | 5,740 |
| Tier 1 risk-based capital ratio | 10.7294% | 6,591 |
| Total risk-based capital ratio | 11.2306% | 6,858 |
| Memoranda: | ||
| Average total assets | $61,486,800 | 5,997 |
| Average earning assets | $54,473,800 | 6,028 |
| Average equity | $7,030,800 | 5,859 |
| Average total loans | $45,959,600 | 5,427 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6741% | 887 |
| Cost of funding earning assets | 0.8512% | 4,763 |
| Net interest margin | 4.8229% | 599 |
| Noninterest income to average assets | 0.7028% | 2,592 |
| Noninterest expense to average assets | 2.9945% | 3,571 |
| Loan and lease loss provision to assets | 0.2226% | 3,789 |
| Net operating income to assets | 1.6347% | 726 |
| Return on assets (ROA) | 1.6347% | 795 |
| Pretax return on assets | 1.7395% | 1,063 |
| Return on Equity (ROE) | 14.2490% | 990 |
| Retained earnings to average equity (ytd only) | 8.3706% | 1,366 |
| Net charge-offs to loans | -0.0059% | 6,726 |
| Credit loss provision to net charge-offs | -5,100.0000% | 6,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7406% | 5,900 |
| Assets per employee ($millions) | 3.4268% | 5,174 |
| Cash dividends to net income (ytd only)* | 41.2551% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2096% | 7,329 |
| Loan loss allowance to noncurrent loans | 73.7589% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 0.2286% | 6,486 |
| Noncurrent loans to loans | 0.2841% | 6,287 |
| Net loans and leases to total assets | 80.2860% | 489 |
| Net loans and leases to deposits | 95.3079% | 741 |
| Net loans and leases to core deposits | 95.8614% | 1,619 |
| Total domestic deposits to total assets | 84.2385% | 4,122 |
| Equity capital to assets | 11.6857% | 2,512 |
| Core capital (leverage) ratio | 8.9715% | 4,981 |
| Tier 1 risk-based capital ratio | 10.5971% | 6,736 |
| Total risk-based capital ratio | 10.8026% | 7,044 |
| Memoranda: | ||
| Average total assets | $61,088,750 | 6,055 |
| Average earning assets | $53,881,000 | 6,100 |
| Average equity | $7,008,500 | 5,900 |
| Average total loans | $45,212,750 | 5,508 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4173% | 1,512 |
| Cost of funding earning assets | 0.8534% | 5,038 |
| Net interest margin | 4.5639% | 980 |
| Noninterest income to average assets | 0.6405% | 2,898 |
| Noninterest expense to average assets | 2.9331% | 3,889 |
| Loan and lease loss provision to assets | 0.2168% | 3,753 |
| Net operating income to assets | 1.4386% | 1,003 |
| Return on assets (ROA) | 1.4386% | 1,062 |
| Pretax return on assets | 1.5306% | 1,436 |
| Return on Equity (ROE) | 12.6188% | 1,302 |
| Retained earnings to average equity (ytd only) | 10.6309% | 732 |
| Net charge-offs to loans | -0.0091% | 6,668 |
| Credit loss provision to net charge-offs | -3,300.0000% | 6,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9123% | 5,742 |
| Assets per employee ($millions) | 3.3017% | 5,423 |
| Cash dividends to net income (ytd only)* | 15.7534% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1428% | 7,411 |
| Loan loss allowance to noncurrent loans | 45.6376% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 6,506 |
| Noncurrent loans to loans | 0.3128% | 6,292 |
| Net loans and leases to total assets | 80.0340% | 524 |
| Net loans and leases to deposits | 97.2719% | 636 |
| Net loans and leases to core deposits | 97.8724% | 1,515 |
| Total domestic deposits to total assets | 82.2786% | 5,070 |
| Equity capital to assets | 12.0005% | 2,087 |
| Core capital (leverage) ratio | 8.9971% | 4,726 |
| Tier 1 risk-based capital ratio | 10.8058% | 6,657 |
| Total risk-based capital ratio | 10.9460% | 7,064 |
| Memoranda: | ||
| Average total assets | $60,891,000 | 6,108 |
| Average earning assets | $53,901,670 | 6,148 |
| Average equity | $6,942,000 | 5,937 |
| Average total loans | $43,741,670 | 5,621 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1873% | 2,266 |
| Cost of funding earning assets | 0.9025% | 4,901 |
| Net interest margin | 4.2848% | 1,603 |
| Noninterest income to average assets | 0.6816% | 2,673 |
| Noninterest expense to average assets | 2.9146% | 4,002 |
| Loan and lease loss provision to assets | 0.2142% | 3,510 |
| Net operating income to assets | 1.2658% | 1,351 |
| Return on assets (ROA) | 1.2658% | 1,403 |
| Pretax return on assets | 1.3437% | 1,898 |
| Return on Equity (ROE) | 11.3919% | 1,625 |
| Retained earnings to average equity (ytd only) | 11.3919% | 829 |
| Net charge-offs to loans | -0.0191% | 6,554 |
| Credit loss provision to net charge-offs | -1,650.0000% | 6,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2801% | 5,474 |
| Assets per employee ($millions) | 3.4426% | 5,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0810% | 7,482 |
| Loan loss allowance to noncurrent loans | 23.6486% | 6,623 |
| Noncurrent assets plus other real estate owned to assets | 0.2388% | 6,578 |
| Noncurrent loans to loans | 0.3424% | 6,310 |
| Net loans and leases to total assets | 69.6995% | 2,183 |
| Net loans and leases to deposits | 80.3834% | 2,642 |
| Net loans and leases to core deposits | 80.8347% | 3,625 |
| Total domestic deposits to total assets | 86.7088% | 3,115 |
| Equity capital to assets | 11.2094% | 2,497 |
| Core capital (leverage) ratio | 8.6035% | 5,261 |
| Tier 1 risk-based capital ratio | 11.2353% | 6,322 |
| Total risk-based capital ratio | 11.3131% | 6,982 |
| Memoranda: | ||
| Average total assets | $61,621,000 | 6,134 |
| Average earning assets | $54,518,000 | 6,181 |
| Average equity | $6,847,000 | 5,977 |
| Average total loans | $41,796,000 | 5,771 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1904% | 7,644 |
| Cost of funding earning assets | 0.0330% | 7,614 |
| Net interest margin | 0.1573% | 7,637 |
| Noninterest income to average assets | 0.0575% | 7,074 |
| Noninterest expense to average assets | 0.1164% | 7,645 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -0.1697% | 6,074 |
| Return on assets (ROA) | -0.1697% | 6,130 |
| Pretax return on assets | 0.0813% | 5,738 |
| Return on Equity (ROE) | -1.6947% | 6,139 |
| Retained earnings to average equity (ytd only) | -1.6947% | 5,919 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8652% | 6,223 |
| Assets per employee ($millions) | 3.6045% | 4,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,582 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,156 |
| Noncurrent assets plus other real estate owned to assets | 0.2448% | 6,623 |
| Noncurrent loans to loans | 0.3716% | 6,309 |
| Net loans and leases to total assets | 65.8773% | 3,493 |
| Net loans and leases to deposits | 75.8365% | 3,869 |
| Net loans and leases to core deposits | 75.8365% | 4,743 |
| Total domestic deposits to total assets | 86.8676% | 2,901 |
| Equity capital to assets | 11.0125% | 2,674 |
| Core capital (leverage) ratio | 7.5298% | 6,681 |
| Tier 1 risk-based capital ratio | 11.2915% | 6,097 |
| Total risk-based capital ratio | 11.2915% | 6,953 |
| Memoranda: | ||
| Average total assets | $71,308,200 | 5,851 |
| Average earning assets | $63,557,200 | 5,872 |
| Average equity | $7,139,800 | 5,985 |
| Average total loans | $49,190,800 | 5,521 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3728% | 3,012 |
| Cost of funding earning assets | 0.9415% | 6,220 |
| Net interest margin | 4.4314% | 1,422 |
| Noninterest income to average assets | 0.9609% | 1,580 |
| Noninterest expense to average assets | 3.1988% | 2,935 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1163% | 1,835 |
| Return on assets (ROA) | 1.1163% | 1,944 |
| Pretax return on assets | 1.7069% | 1,104 |
| Return on Equity (ROE) | 11.3845% | 1,679 |
| Retained earnings to average equity (ytd only) | 7.5160% | 1,593 |
| Net charge-offs to loans | -0.0052% | 7,213 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2062% | 5,016 |
| Assets per employee ($millions) | 2.7912% | 6,602 |
| Cash dividends to net income (ytd only)* | 33.9802% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0279% | 6,276 |
| Loan loss allowance to noncurrent loans | 239.4619% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.6162% | 5,899 |
| Noncurrent loans to loans | 0.4293% | 6,342 |
| Net loans and leases to total assets | 73.6819% | 1,870 |
| Net loans and leases to deposits | 86.6027% | 2,220 |
| Net loans and leases to core deposits | 86.6027% | 3,572 |
| Total domestic deposits to total assets | 85.0805% | 3,584 |
| Equity capital to assets | 10.6834% | 3,307 |
| Core capital (leverage) ratio | 10.2998% | 2,921 |
| Tier 1 risk-based capital ratio | 12.4749% | 5,008 |
| Total risk-based capital ratio | 13.4161% | 5,268 |
| Memoranda: | ||
| Average total assets | $73,816,250 | 5,837 |
| Average earning assets | $65,711,500 | 5,871 |
| Average equity | $7,237,750 | 6,032 |
| Average total loans | $51,396,750 | 5,510 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2181% | 3,861 |
| Cost of funding earning assets | 0.9040% | 6,563 |
| Net interest margin | 4.3141% | 1,723 |
| Noninterest income to average assets | 0.9127% | 1,649 |
| Noninterest expense to average assets | 3.1772% | 2,984 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0271% | 2,093 |
| Return on assets (ROA) | 1.0271% | 2,172 |
| Pretax return on assets | 1.5833% | 1,348 |
| Return on Equity (ROE) | 10.7741% | 1,828 |
| Retained earnings to average equity (ytd only) | 6.8664% | 1,894 |
| Net charge-offs to loans | -0.0078% | 7,165 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7412% | 4,833 |
| Assets per employee ($millions) | 2.5838% | 6,977 |
| Cash dividends to net income (ytd only)* | 36.2694% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9792% | 6,488 |
| Loan loss allowance to noncurrent loans | 256.7308% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.6364% | 5,899 |
| Noncurrent loans to loans | 0.3814% | 6,476 |
| Net loans and leases to total assets | 77.4103% | 1,211 |
| Net loans and leases to deposits | 89.4001% | 1,947 |
| Net loans and leases to core deposits | 89.8388% | 3,294 |
| Total domestic deposits to total assets | 86.5887% | 2,765 |
| Equity capital to assets | 10.4498% | 3,480 |
| Core capital (leverage) ratio | 9.6903% | 3,552 |
| Tier 1 risk-based capital ratio | 11.8198% | 5,472 |
| Total risk-based capital ratio | 12.7324% | 5,759 |
| Memoranda: | ||
| Average total assets | $75,161,330 | 5,828 |
| Average earning assets | $67,035,330 | 5,860 |
| Average equity | $7,165,330 | 6,083 |
| Average total loans | $51,212,330 | 5,557 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0671% | 4,693 |
| Cost of funding earning assets | 0.8983% | 6,778 |
| Net interest margin | 4.1688% | 2,160 |
| Noninterest income to average assets | 0.9864% | 1,343 |
| Noninterest expense to average assets | 3.0721% | 3,384 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1045% | 1,817 |
| Return on assets (ROA) | 1.1045% | 1,900 |
| Pretax return on assets | 1.6337% | 1,190 |
| Return on Equity (ROE) | 12.1076% | 1,471 |
| Retained earnings to average equity (ytd only) | 8.1656% | 1,638 |
| Net charge-offs to loans | -0.0888% | 7,500 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2838% | 5,256 |
| Assets per employee ($millions) | 2.7426% | 6,773 |
| Cash dividends to net income (ytd only)* | 32.5581% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0598% | 6,187 |
| Loan loss allowance to noncurrent loans | 271.5000% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.6114% | 5,992 |
| Noncurrent loans to loans | 0.3904% | 6,499 |
| Net loans and leases to total assets | 71.0912% | 2,678 |
| Net loans and leases to deposits | 81.6667% | 3,340 |
| Net loans and leases to core deposits | 82.0580% | 4,480 |
| Total domestic deposits to total assets | 87.0504% | 2,605 |
| Equity capital to assets | 10.0747% | 3,774 |
| Core capital (leverage) ratio | 9.0688% | 4,441 |
| Tier 1 risk-based capital ratio | 12.1864% | 5,004 |
| Total risk-based capital ratio | 13.1574% | 5,242 |
| Memoranda: | ||
| Average total assets | $77,861,000 | 5,825 |
| Average earning assets | $69,468,000 | 5,862 |
| Average equity | $7,103,000 | 6,160 |
| Average total loans | $49,550,000 | 5,691 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7313% | 2,952 |
| Cost of funding earning assets | 1.1512% | 6,820 |
| Net interest margin | 4.5801% | 1,021 |
| Noninterest income to average assets | 1.0250% | 1,487 |
| Noninterest expense to average assets | 3.8282% | 1,641 |
| Loan and lease loss provision to assets | 0.0614% | 6,951 |
| Net operating income to assets | 0.9037% | 2,165 |
| Return on assets (ROA) | 0.9037% | 2,229 |
| Pretax return on assets | 1.2020% | 1,946 |
| Return on Equity (ROE) | 9.0762% | 2,002 |
| Retained earnings to average equity (ytd only) | 4.9640% | 1,834 |
| Net charge-offs to loans | 0.1109% | 6,046 |
| Credit loss provision to net charge-offs | 76.3636% | 6,372 |
| Earnings coverage of net charge-offs (x) | 15.7091% | 1,289 |
| Efficiency ratio | 75.1867% | 3,674 |
| Assets per employee ($millions) | 3.1265% | 5,926 |
| Cash dividends to net income (ytd only)* | 45.3074% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 5,846 |
| Loan loss allowance to noncurrent loans | 275.6477% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.4738% | 6,269 |
| Noncurrent loans to loans | 0.4032% | 6,474 |
| Net loans and leases to total assets | 56.0706% | 5,941 |
| Net loans and leases to deposits | 62.3742% | 6,425 |
| Net loans and leases to core deposits | 65.2441% | 7,021 |
| Total domestic deposits to total assets | 89.8940% | 1,015 |
| Equity capital to assets | 8.3184% | 6,176 |
| Core capital (leverage) ratio | 8.6485% | 5,016 |
| Tier 1 risk-based capital ratio | 11.7462% | 5,158 |
| Total risk-based capital ratio | 12.6832% | 5,431 |
| Memoranda: | ||
| Average total assets | $68,387,800 | 6,058 |
| Average earning assets | $60,719,000 | 6,103 |
| Average equity | $6,809,000 | 6,329 |
| Average total loans | $49,592,400 | 5,691 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0897% | 1,686 |
| Cost of funding earning assets | 1.2366% | 6,772 |
| Net interest margin | 4.8531% | 620 |
| Noninterest income to average assets | 1.0438% | 1,461 |
| Noninterest expense to average assets | 3.9824% | 1,299 |
| Loan and lease loss provision to assets | 0.0870% | 6,496 |
| Net operating income to assets | 0.8118% | 2,761 |
| Return on assets (ROA) | 0.8118% | 2,825 |
| Pretax return on assets | 1.2736% | 2,032 |
| Return on Equity (ROE) | 7.7364% | 2,757 |
| Retained earnings to average equity (ytd only) | 3.5919% | 3,278 |
| Net charge-offs to loans | 0.1439% | 5,256 |
| Credit loss provision to net charge-offs | 77.7778% | 5,815 |
| Earnings coverage of net charge-offs (x) | 12.1664% | 1,786 |
| Efficiency ratio | 74.5349% | 3,777 |
| Assets per employee ($millions) | 2.4951% | 7,234 |
| Cash dividends to net income (ytd only)* | 53.5712% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 6,014 |
| Loan loss allowance to noncurrent loans | 157.6923% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.7801% | 5,562 |
| Noncurrent loans to loans | 0.6649% | 5,971 |
| Net loans and leases to total assets | 71.9942% | 3,041 |
| Net loans and leases to deposits | 82.4936% | 3,921 |
| Net loans and leases to core deposits | 88.1030% | 5,636 |
| Total domestic deposits to total assets | 87.2724% | 2,035 |
| Equity capital to assets | 9.8334% | 4,310 |
| Core capital (leverage) ratio | 9.7702% | 3,549 |
| Tier 1 risk-based capital ratio | 11.7013% | 5,244 |
| Total risk-based capital ratio | 12.6588% | 5,469 |
| Memoranda: | ||
| Average total assets | $64,381,000 | 6,234 |
| Average earning assets | $57,034,750 | 6,294 |
| Average equity | $6,755,750 | 6,406 |
| Average total loans | $50,024,500 | 5,720 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2053% | 1,434 |
| Cost of funding earning assets | 1.2779% | 6,876 |
| Net interest margin | 4.9274% | 510 |
| Noninterest income to average assets | 0.9752% | 1,675 |
| Noninterest expense to average assets | 4.1341% | 1,150 |
| Loan and lease loss provision to assets | 0.1343% | 5,739 |
| Net operating income to assets | 0.6810% | 3,338 |
| Return on assets (ROA) | 0.6810% | 3,456 |
| Pretax return on assets | 1.0711% | 2,735 |
| Return on Equity (ROE) | 6.3415% | 3,506 |
| Retained earnings to average equity (ytd only) | 2.1734% | 4,137 |
| Net charge-offs to loans | 0.0884% | 5,309 |
| Credit loss provision to net charge-offs | 190.9091% | 2,398 |
| Earnings coverage of net charge-offs (x) | 17.1364% | 1,495 |
| Efficiency ratio | 77.4251% | 3,434 |
| Assets per employee ($millions) | 2.4205% | 7,396 |
| Cash dividends to net income (ytd only)* | 65.7277% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 5,391 |
| Loan loss allowance to noncurrent loans | 90.1116% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 1.7193% | 3,607 |
| Noncurrent loans to loans | 1.2536% | 4,697 |
| Net loans and leases to total assets | 78.5744% | 1,624 |
| Net loans and leases to deposits | 91.2968% | 2,604 |
| Net loans and leases to core deposits | 97.3387% | 4,753 |
| Total domestic deposits to total assets | 86.0648% | 2,752 |
| Equity capital to assets | 10.7287% | 3,177 |
| Core capital (leverage) ratio | 10.3142% | 2,979 |
| Tier 1 risk-based capital ratio | 12.0572% | 4,869 |
| Total risk-based capital ratio | 13.1207% | 4,936 |
| Memoranda: | ||
| Average total assets | $62,553,330 | 6,352 |
| Average earning assets | $55,404,670 | 6,413 |
| Average equity | $6,717,670 | 6,461 |
| Average total loans | $49,755,670 | 5,778 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1647% | 1,711 |
| Cost of funding earning assets | 1.3039% | 7,003 |
| Net interest margin | 4.8607% | 539 |
| Noninterest income to average assets | 1.0134% | 1,446 |
| Noninterest expense to average assets | 4.0409% | 1,135 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8467% | 2,921 |
| Return on assets (ROA) | 0.8467% | 3,072 |
| Pretax return on assets | 1.2764% | 2,355 |
| Return on Equity (ROE) | 7.8800% | 3,203 |
| Retained earnings to average equity (ytd only) | 3.7012% | 3,844 |
| Net charge-offs to loans | 0.1612% | 3,673 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 9.9500% | 1,997 |
| Efficiency ratio | 75.9952% | 3,498 |
| Assets per employee ($millions) | 2.1846% | 7,735 |
| Cash dividends to net income (ytd only)* | 53.0303% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 5,513 |
| Loan loss allowance to noncurrent loans | 42.7873% | 5,682 |
| Noncurrent assets plus other real estate owned to assets | 2.1890% | 2,611 |
| Noncurrent loans to loans | 2.5584% | 2,576 |
| Net loans and leases to total assets | 77.5445% | 1,921 |
| Net loans and leases to deposits | 90.5194% | 2,848 |
| Net loans and leases to core deposits | 96.2267% | 4,942 |
| Total domestic deposits to total assets | 85.6662% | 2,888 |
| Equity capital to assets | 11.0054% | 2,954 |
| Core capital (leverage) ratio | 10.4414% | 2,992 |
| Tier 1 risk-based capital ratio | 12.5799% | 4,489 |
| Total risk-based capital ratio | 13.6128% | 4,573 |
| Memoranda: | ||
| Average total assets | $62,363,000 | 6,386 |
| Average earning assets | $55,218,000 | 6,448 |
| Average equity | $6,700,500 | 6,519 |
| Average total loans | $49,626,000 | 5,815 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7759% | 1,765 |
| Cost of funding earning assets | 1.8777% | 6,800 |
| Net interest margin | 4.8982% | 634 |
| Noninterest income to average assets | 1.1412% | 1,190 |
| Noninterest expense to average assets | 3.9683% | 1,462 |
| Loan and lease loss provision to assets | 0.0813% | 6,373 |
| Net operating income to assets | 0.9265% | 2,889 |
| Return on assets (ROA) | 0.9265% | 2,743 |
| Pretax return on assets | 1.3453% | 2,153 |
| Return on Equity (ROE) | 9.3870% | 2,482 |
| Retained earnings to average equity (ytd only) | 7.8329% | 893 |
| Net charge-offs to loans | 0.0471% | 6,114 |
| Credit loss provision to net charge-offs | 230.4348% | 2,066 |
| Earnings coverage of net charge-offs (x) | 40.4348% | 917 |
| Efficiency ratio | 73.5570% | 3,650 |
| Assets per employee ($millions) | 2.2699% | 7,606 |
| Cash dividends to net income (ytd only)* | 16.5563% | 4,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0625% | 5,530 |
| Loan loss allowance to noncurrent loans | 91.4430% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 1.1140% | 4,048 |
| Noncurrent loans to loans | 1.1620% | 4,206 |
| Net loans and leases to total assets | 79.8477% | 1,695 |
| Net loans and leases to deposits | 92.4810% | 3,058 |
| Net loans and leases to core deposits | 98.3184% | 5,006 |
| Total domestic deposits to total assets | 86.3396% | 2,243 |
| Equity capital to assets | 10.4931% | 3,511 |
| Core capital (leverage) ratio | 10.1357% | 3,330 |
| Tier 1 risk-based capital ratio | 11.7084% | 5,050 |
| Total risk-based capital ratio | 12.7161% | 5,165 |
| Memoranda: | ||
| Average total assets | $65,192,000 | 6,187 |
| Average earning assets | $56,612,200 | 6,317 |
| Average equity | $6,434,400 | 6,663 |
| Average total loans | $48,849,200 | 5,745 |