Home > Royal Bank > Performance and Condition Ratios
Royal Bank, Performance and Condition Ratios
| 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 | 4.2128% | 3,447 |
| Cost of funding earning assets | 0.7346% | 3,691 |
| Net interest margin | 3.4782% | 2,261 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 2.4403% | 2,408 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.1488% | 1,926 |
| Return on assets (ROA) | 1.1488% | 1,907 |
| Pretax return on assets | 1.4235% | 1,724 |
| Return on Equity (ROE) | 11.1100% | 2,346 |
| Retained earnings to average equity (ytd only) | 2.7619% | 3,566 |
| Net charge-offs to loans | 0.0073% | 2,160 |
| Credit loss provision to net charge-offs | 333.3333% | 822 |
| Earnings coverage of net charge-offs (x) | 290.8148% | 462 |
| Efficiency ratio | 62.3681% | 2,677 |
| Assets per employee ($millions) | 4.8344% | 3,716 |
| Cash dividends to net income (ytd only)* | 75.1399% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4703% | 1,193 |
| Loan loss allowance to noncurrent loans | 926.6325% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.1092% | 2,844 |
| Noncurrent loans to loans | 0.1587% | 2,757 |
| Net loans and leases to total assets | 67.7800% | 2,070 |
| Net loans and leases to deposits | 76.3759% | 2,384 |
| Net loans and leases to core deposits | 79.3693% | 2,647 |
| Total domestic deposits to total assets | 88.7500% | 1,335 |
| Equity capital to assets | 10.5462% | 1,536 |
| Core capital (leverage) ratio | 10.4964% | 2,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8994% | 1,121 |
| Memoranda: | ||
| Average total assets | $725,962,750 | 1,271 |
| Average earning assets | $682,067,250 | 1,260 |
| Average equity | $75,068,000 | 1,177 |
| Average total loans | $492,493,500 | 1,242 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0883% | 3,513 |
| Cost of funding earning assets | 0.6343% | 3,671 |
| Net interest margin | 3.4540% | 2,378 |
| Noninterest income to average assets | 0.6100% | 1,422 |
| Noninterest expense to average assets | 2.4119% | 2,440 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.0986% | 2,130 |
| Return on assets (ROA) | 1.0986% | 2,124 |
| Pretax return on assets | 1.4211% | 1,758 |
| Return on Equity (ROE) | 10.6900% | 2,505 |
| Retained earnings to average equity (ytd only) | 3.4882% | 3,357 |
| Net charge-offs to loans | 0.0114% | 1,773 |
| Credit loss provision to net charge-offs | 321.4286% | 829 |
| Earnings coverage of net charge-offs (x) | 188.3214% | 641 |
| Efficiency ratio | 62.0256% | 2,711 |
| Assets per employee ($millions) | 5.0140% | 3,592 |
| Cash dividends to net income (ytd only)* | 67.3821% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4746% | 1,257 |
| Loan loss allowance to noncurrent loans | 914.9178% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.1103% | 2,772 |
| Noncurrent loans to loans | 0.1612% | 2,671 |
| Net loans and leases to total assets | 67.4400% | 2,017 |
| Net loans and leases to deposits | 75.9537% | 2,318 |
| Net loans and leases to core deposits | 78.3213% | 2,587 |
| Total domestic deposits to total assets | 88.7900% | 1,321 |
| Equity capital to assets | 10.5112% | 1,598 |
| Core capital (leverage) ratio | 10.4477% | 2,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6141% | 1,188 |
| Memoranda: | ||
| Average total assets | $729,453,667 | 1,257 |
| Average earning assets | $686,101,333 | 1,246 |
| Average equity | $74,938,333 | 1,171 |
| Average total loans | $492,588,667 | 1,231 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9479% | 3,561 |
| Cost of funding earning assets | 0.5128% | 3,643 |
| Net interest margin | 3.4351% | 2,546 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 2.4190% | 2,473 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.0766% | 2,300 |
| Return on assets (ROA) | 1.0766% | 2,272 |
| Pretax return on assets | 1.3908% | 1,903 |
| Return on Equity (ROE) | 10.6000% | 2,605 |
| Retained earnings to average equity (ytd only) | 5.7812% | 2,826 |
| Net charge-offs to loans | 0.0016% | 1,986 |
| Credit loss provision to net charge-offs | 4,000.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 1,319.0000% | 72 |
| Efficiency ratio | 62.2972% | 2,651 |
| Assets per employee ($millions) | 5.0785% | 3,592 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4683% | 1,376 |
| Loan loss allowance to noncurrent loans | 736.3452% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 2,564 |
| Noncurrent loans to loans | 0.1994% | 2,476 |
| Net loans and leases to total assets | 67.0200% | 1,945 |
| Net loans and leases to deposits | 75.3328% | 2,179 |
| Net loans and leases to core deposits | 77.4068% | 2,434 |
| Total domestic deposits to total assets | 88.9600% | 1,558 |
| Equity capital to assets | 10.3635% | 1,634 |
| Core capital (leverage) ratio | 10.2348% | 2,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9130% | 1,166 |
| Memoranda: | ||
| Average total assets | $735,677,500 | 1,269 |
| Average earning assets | $693,432,000 | 1,248 |
| Average equity | $74,724,500 | 1,184 |
| Average total loans | $493,496,500 | 1,240 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6355% | 2,694 |
| Cost of funding earning assets | 0.1946% | 3,803 |
| Net interest margin | 3.4409% | 2,130 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 2.3496% | 2,583 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.1224% | 2,080 |
| Return on assets (ROA) | 1.1224% | 2,022 |
| Pretax return on assets | 1.4631% | 1,562 |
| Return on Equity (ROE) | 11.3400% | 2,369 |
| Retained earnings to average equity (ytd only) | 7.4479% | 2,052 |
| Net charge-offs to loans | 0.0235% | 1,589 |
| Credit loss provision to net charge-offs | 584.8214% | 617 |
| Earnings coverage of net charge-offs (x) | 100.7946% | 970 |
| Efficiency ratio | 59.6841% | 3,099 |
| Assets per employee ($millions) | 4.4353% | 4,081 |
| Cash dividends to net income (ytd only)* | 34.3221% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4482% | 1,340 |
| Loan loss allowance to noncurrent loans | 1,133.3333% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.0845% | 2,959 |
| Noncurrent loans to loans | 0.1278% | 2,873 |
| Net loans and leases to total assets | 65.2100% | 2,121 |
| Net loans and leases to deposits | 72.8603% | 2,342 |
| Net loans and leases to core deposits | 74.6067% | 2,526 |
| Total domestic deposits to total assets | 89.5000% | 1,559 |
| Equity capital to assets | 9.9562% | 1,727 |
| Core capital (leverage) ratio | 9.9847% | 2,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4142% | 1,260 |
| Memoranda: | ||
| Average total assets | $726,810,200 | 1,277 |
| Average earning assets | $687,147,000 | 1,250 |
| Average equity | $71,939,800 | 1,227 |
| Average total loans | $476,031,600 | 1,217 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5687% | 2,425 |
| Cost of funding earning assets | 0.1625% | 3,709 |
| Net interest margin | 3.4062% | 1,956 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 2.3855% | 2,383 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.0975% | 2,112 |
| Return on assets (ROA) | 1.0975% | 2,075 |
| Pretax return on assets | 1.4320% | 1,623 |
| Return on Equity (ROE) | 11.1000% | 2,336 |
| Retained earnings to average equity (ytd only) | 7.3690% | 2,241 |
| Net charge-offs to loans | 0.0178% | 1,489 |
| Credit loss provision to net charge-offs | 436.5079% | 670 |
| Earnings coverage of net charge-offs (x) | 127.4921% | 819 |
| Efficiency ratio | 61.1339% | 2,948 |
| Assets per employee ($millions) | 4.3371% | 4,158 |
| Cash dividends to net income (ytd only)* | 33.6417% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3757% | 1,686 |
| Loan loss allowance to noncurrent loans | 1,011.5899% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.1095% | 2,865 |
| Noncurrent loans to loans | 0.1360% | 2,957 |
| Net loans and leases to total assets | 66.9800% | 1,788 |
| Net loans and leases to deposits | 74.8904% | 1,968 |
| Net loans and leases to core deposits | 76.7387% | 2,141 |
| Total domestic deposits to total assets | 89.4400% | 1,901 |
| Equity capital to assets | 9.9437% | 1,654 |
| Core capital (leverage) ratio | 9.9509% | 2,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5242% | 1,278 |
| Memoranda: | ||
| Average total assets | $722,231,000 | 1,290 |
| Average earning assets | $682,735,000 | 1,267 |
| Average equity | $71,378,250 | 1,245 |
| Average total loans | $471,783,000 | 1,225 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5027% | 2,135 |
| Cost of funding earning assets | 0.1444% | 3,643 |
| Net interest margin | 3.3583% | 1,730 |
| Noninterest income to average assets | 0.6713% | 1,457 |
| Noninterest expense to average assets | 2.3958% | 2,234 |
| Loan and lease loss provision to assets | 0.0653% | 1,435 |
| Net operating income to assets | 1.0637% | 1,921 |
| Return on assets (ROA) | 1.0637% | 1,893 |
| Pretax return on assets | 1.3890% | 1,468 |
| Return on Equity (ROE) | 10.7857% | 2,058 |
| Retained earnings to average equity (ytd only) | 7.4064% | 1,847 |
| Net charge-offs to loans | 0.0052% | 1,826 |
| Credit loss provision to net charge-offs | 1,958.3333% | 250 |
| Earnings coverage of net charge-offs (x) | 436.3333% | 288 |
| Efficiency ratio | 61.6650% | 3,082 |
| Assets per employee ($millions) | 4.4036% | 4,150 |
| Cash dividends to net income (ytd only)* | 31.3316% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4193% | 1,673 |
| Loan loss allowance to noncurrent loans | 717.1399% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.1309% | 2,797 |
| Noncurrent loans to loans | 0.1979% | 2,718 |
| Net loans and leases to total assets | 65.1953% | 1,790 |
| Net loans and leases to deposits | 73.3750% | 1,926 |
| Net loans and leases to core deposits | 75.1220% | 2,082 |
| Total domestic deposits to total assets | 88.8522% | 2,243 |
| Equity capital to assets | 9.8776% | 1,785 |
| Core capital (leverage) ratio | 9.7673% | 2,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3542% | 1,341 |
| Memoranda: | ||
| Average total assets | $720,098,333 | 1,290 |
| Average earning assets | $681,592,667 | 1,279 |
| Average equity | $71,020,000 | 1,279 |
| Average total loans | $464,088,667 | 1,235 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3970% | 2,091 |
| Cost of funding earning assets | 0.1341% | 3,715 |
| Net interest margin | 3.2628% | 1,673 |
| Noninterest income to average assets | 0.7299% | 1,219 |
| Noninterest expense to average assets | 2.3893% | 2,202 |
| Loan and lease loss provision to assets | 0.0670% | 1,219 |
| Net operating income to assets | 1.0356% | 1,740 |
| Return on assets (ROA) | 1.0356% | 1,734 |
| Pretax return on assets | 1.3548% | 1,370 |
| Return on Equity (ROE) | 10.5088% | 1,795 |
| Retained earnings to average equity (ytd only) | 5.9791% | 2,261 |
| Net charge-offs to loans | -0.0026% | 3,152 |
| Credit loss provision to net charge-offs | -4,000.0000% | 3,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0937% | 3,249 |
| Assets per employee ($millions) | 4.5409% | 4,113 |
| Cash dividends to net income (ytd only)* | 43.1034% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 1,661 |
| Loan loss allowance to noncurrent loans | 529.1339% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 2,571 |
| Noncurrent loans to loans | 0.2772% | 2,478 |
| Net loans and leases to total assets | 62.1275% | 1,842 |
| Net loans and leases to deposits | 70.0744% | 1,960 |
| Net loans and leases to core deposits | 71.7104% | 2,138 |
| Total domestic deposits to total assets | 88.6593% | 2,225 |
| Equity capital to assets | 9.7093% | 2,119 |
| Core capital (leverage) ratio | 9.6785% | 2,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6584% | 1,354 |
| Memoranda: | ||
| Average total assets | $716,854,500 | 1,299 |
| Average earning assets | $676,960,000 | 1,281 |
| Average equity | $70,645,500 | 1,323 |
| Average total loans | $455,873,000 | 1,247 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9705% | 1,434 |
| Cost of funding earning assets | 0.1787% | 3,676 |
| Net interest margin | 3.7918% | 1,025 |
| Noninterest income to average assets | 0.7864% | 1,485 |
| Noninterest expense to average assets | 2.4437% | 2,353 |
| Loan and lease loss provision to assets | 0.0582% | 1,898 |
| Net operating income to assets | 1.3838% | 1,336 |
| Return on assets (ROA) | 1.3838% | 1,388 |
| Pretax return on assets | 1.8292% | 858 |
| Return on Equity (ROE) | 13.6369% | 1,279 |
| Retained earnings to average equity (ytd only) | 11.2857% | 652 |
| Net charge-offs to loans | 0.0005% | 2,684 |
| Credit loss provision to net charge-offs | 19,500.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 6,328.5000% | 16 |
| Efficiency ratio | 55.8547% | 3,719 |
| Assets per employee ($millions) | 4.3384% | 4,246 |
| Cash dividends to net income (ytd only)* | 17.2414% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4540% | 1,717 |
| Loan loss allowance to noncurrent loans | 477.2793% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.1954% | 2,582 |
| Noncurrent loans to loans | 0.3046% | 2,499 |
| Net loans and leases to total assets | 63.2168% | 1,793 |
| Net loans and leases to deposits | 71.3438% | 1,977 |
| Net loans and leases to core deposits | 73.3232% | 2,132 |
| Total domestic deposits to total assets | 88.6086% | 1,732 |
| Equity capital to assets | 10.0045% | 2,651 |
| Core capital (leverage) ratio | 9.6571% | 2,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4753% | 1,396 |
| Memoranda: | ||
| Average total assets | $670,627,000 | 1,325 |
| Average earning assets | $626,902,200 | 1,328 |
| Average equity | $68,050,800 | 1,382 |
| Average total loans | $430,225,400 | 1,303 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1284% | 1,241 |
| Cost of funding earning assets | 0.1875% | 3,738 |
| Net interest margin | 3.9409% | 870 |
| Noninterest income to average assets | 0.8097% | 1,489 |
| Noninterest expense to average assets | 2.4806% | 2,181 |
| Loan and lease loss provision to assets | 0.0624% | 1,753 |
| Net operating income to assets | 1.4702% | 1,338 |
| Return on assets (ROA) | 1.4702% | 1,389 |
| Pretax return on assets | 1.9475% | 871 |
| Return on Equity (ROE) | 14.4339% | 1,270 |
| Retained earnings to average equity (ytd only) | 12.8508% | 661 |
| Net charge-offs to loans | 0.0003% | 2,450 |
| Credit loss provision to net charge-offs | 31,000.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 9,972.0000% | 8 |
| Efficiency ratio | 54.6838% | 3,705 |
| Assets per employee ($millions) | 4.1636% | 4,354 |
| Cash dividends to net income (ytd only)* | 10.9679% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4908% | 1,668 |
| Loan loss allowance to noncurrent loans | 440.6356% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 2,698 |
| Noncurrent loans to loans | 0.3383% | 2,569 |
| Net loans and leases to total assets | 63.0657% | 1,883 |
| Net loans and leases to deposits | 71.7102% | 2,078 |
| Net loans and leases to core deposits | 73.8184% | 2,257 |
| Total domestic deposits to total assets | 87.9451% | 1,882 |
| Equity capital to assets | 10.2594% | 2,648 |
| Core capital (leverage) ratio | 9.7858% | 2,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8553% | 1,379 |
| Memoranda: | ||
| Average total assets | $661,494,000 | 1,353 |
| Average earning assets | $617,851,250 | 1,356 |
| Average equity | $67,376,500 | 1,403 |
| Average total loans | $424,372,000 | 1,338 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9012% | 1,812 |
| Cost of funding earning assets | 0.1945% | 3,810 |
| Net interest margin | 3.7067% | 1,335 |
| Noninterest income to average assets | 0.8319% | 1,450 |
| Noninterest expense to average assets | 2.5273% | 2,057 |
| Loan and lease loss provision to assets | 0.0092% | 2,740 |
| Net operating income to assets | 1.3341% | 1,765 |
| Return on assets (ROA) | 1.3341% | 1,831 |
| Pretax return on assets | 1.7620% | 1,324 |
| Return on Equity (ROE) | 13.1310% | 1,663 |
| Retained earnings to average equity (ytd only) | 13.1310% | 695 |
| Net charge-offs to loans | 0.0019% | 2,145 |
| Credit loss provision to net charge-offs | 750.0000% | 555 |
| Earnings coverage of net charge-offs (x) | 1,448.7500% | 81 |
| Efficiency ratio | 58.2053% | 3,257 |
| Assets per employee ($millions) | 4.6833% | 3,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4361% | 1,826 |
| Loan loss allowance to noncurrent loans | 403.2988% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.2325% | 2,763 |
| Noncurrent loans to loans | 0.3561% | 2,623 |
| Net loans and leases to total assets | 64.3475% | 1,905 |
| Net loans and leases to deposits | 73.1439% | 2,086 |
| Net loans and leases to core deposits | 75.2641% | 2,307 |
| Total domestic deposits to total assets | 87.9738% | 1,840 |
| Equity capital to assets | 10.2439% | 2,622 |
| Core capital (leverage) ratio | 9.6813% | 2,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8169% | 1,382 |
| Memoranda: | ||
| Average total assets | $654,382,667 | 1,355 |
| Average earning assets | $611,971,333 | 1,360 |
| Average equity | $66,484,000 | 1,410 |
| Average total loans | $420,113,667 | 1,351 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7028% | 2,349 |
| Cost of funding earning assets | 0.2041% | 3,872 |
| Net interest margin | 3.4987% | 1,825 |
| Noninterest income to average assets | 0.8677% | 1,416 |
| Noninterest expense to average assets | 2.4768% | 2,240 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2819% | 1,884 |
| Return on assets (ROA) | 1.2819% | 1,956 |
| Pretax return on assets | 1.6868% | 1,523 |
| Return on Equity (ROE) | 12.6707% | 1,760 |
| Retained earnings to average equity (ytd only) | 12.6707% | 981 |
| Net charge-offs to loans | 0.0010% | 1,908 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 2,737.0000% | 20 |
| Efficiency ratio | 58.8810% | 3,173 |
| Assets per employee ($millions) | 4.3113% | 4,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4648% | 1,722 |
| Loan loss allowance to noncurrent loans | 500.2417% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.1881% | 3,222 |
| Noncurrent loans to loans | 0.2928% | 3,052 |
| Net loans and leases to total assets | 63.3097% | 2,130 |
| Net loans and leases to deposits | 72.1085% | 2,303 |
| Net loans and leases to core deposits | 74.1479% | 2,502 |
| Total domestic deposits to total assets | 87.7978% | 1,943 |
| Equity capital to assets | 9.9573% | 2,742 |
| Core capital (leverage) ratio | 9.6270% | 2,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9329% | 1,312 |
| Memoranda: | ||
| Average total assets | $649,057,500 | 1,358 |
| Average earning assets | $611,423,000 | 1,350 |
| Average equity | $65,663,500 | 1,419 |
| Average total loans | $413,087,000 | 1,376 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3936% | 1,608 |
| Cost of funding earning assets | 0.3860% | 3,670 |
| Net interest margin | 4.0076% | 961 |
| Noninterest income to average assets | 0.9698% | 1,106 |
| Noninterest expense to average assets | 2.6409% | 2,416 |
| Loan and lease loss provision to assets | 0.2464% | 1,567 |
| Net operating income to assets | 1.3896% | 1,045 |
| Return on assets (ROA) | 1.3932% | 1,126 |
| Pretax return on assets | 1.8396% | 626 |
| Return on Equity (ROE) | 13.4472% | 937 |
| Retained earnings to average equity (ytd only) | 11.9950% | 312 |
| Net charge-offs to loans | 0.0820% | 1,653 |
| Credit loss provision to net charge-offs | 430.9211% | 1,367 |
| Earnings coverage of net charge-offs (x) | 36.4079% | 1,456 |
| Efficiency ratio | 55.5852% | 4,034 |
| Assets per employee ($millions) | 4.4649% | 3,955 |
| Cash dividends to net income (ytd only)* | 10.7991% | 3,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5429% | 1,450 |
| Loan loss allowance to noncurrent loans | 499.8390% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.1945% | 3,304 |
| Noncurrent loans to loans | 0.3087% | 3,102 |
| Net loans and leases to total assets | 62.0451% | 2,603 |
| Net loans and leases to deposits | 71.1386% | 2,772 |
| Net loans and leases to core deposits | 73.0546% | 2,996 |
| Total domestic deposits to total assets | 87.2172% | 1,835 |
| Equity capital to assets | 10.2814% | 2,849 |
| Core capital (leverage) ratio | 10.3197% | 2,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4527% | 1,412 |
| Memoranda: | ||
| Average total assets | $531,743,600 | 1,470 |
| Average earning assets | $497,902,400 | 1,461 |
| Average equity | $55,089,400 | 1,557 |
| Average total loans | $370,567,000 | 1,451 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7405% | 981 |
| Cost of funding earning assets | 0.4367% | 3,602 |
| Net interest margin | 4.3038% | 579 |
| Noninterest income to average assets | 1.0071% | 1,014 |
| Noninterest expense to average assets | 2.7534% | 2,108 |
| Loan and lease loss provision to assets | 0.2614% | 1,555 |
| Net operating income to assets | 1.5259% | 855 |
| Return on assets (ROA) | 1.5309% | 928 |
| Pretax return on assets | 2.0288% | 490 |
| Return on Equity (ROE) | 14.7411% | 738 |
| Retained earnings to average equity (ytd only) | 12.7075% | 355 |
| Net charge-offs to loans | 0.1063% | 1,265 |
| Credit loss provision to net charge-offs | 342.5606% | 1,632 |
| Earnings coverage of net charge-offs (x) | 29.9343% | 1,587 |
| Efficiency ratio | 54.3263% | 4,115 |
| Assets per employee ($millions) | 4.1407% | 4,201 |
| Cash dividends to net income (ytd only)* | 13.7955% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5113% | 1,348 |
| Loan loss allowance to noncurrent loans | 410.0000% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.2615% | 3,133 |
| Noncurrent loans to loans | 0.3686% | 2,965 |
| Net loans and leases to total assets | 69.8669% | 1,971 |
| Net loans and leases to deposits | 79.9763% | 2,316 |
| Net loans and leases to core deposits | 82.4500% | 2,626 |
| Total domestic deposits to total assets | 87.3595% | 1,521 |
| Equity capital to assets | 10.1713% | 3,088 |
| Core capital (leverage) ratio | 9.5994% | 3,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6640% | 1,606 |
| Memoranda: | ||
| Average total assets | $505,059,250 | 1,512 |
| Average earning assets | $472,936,000 | 1,508 |
| Average equity | $52,450,500 | 1,607 |
| Average total loans | $362,620,250 | 1,463 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0084% | 812 |
| Cost of funding earning assets | 0.4886% | 3,600 |
| Net interest margin | 4.5197% | 483 |
| Noninterest income to average assets | 0.9644% | 1,048 |
| Noninterest expense to average assets | 2.9324% | 1,758 |
| Loan and lease loss provision to assets | 0.4042% | 996 |
| Net operating income to assets | 1.4094% | 1,094 |
| Return on assets (ROA) | 1.4172% | 1,166 |
| Pretax return on assets | 1.8712% | 707 |
| Return on Equity (ROE) | 13.5420% | 966 |
| Retained earnings to average equity (ytd only) | 10.4208% | 706 |
| Net charge-offs to loans | 0.1279% | 1,071 |
| Credit loss provision to net charge-offs | 438.0531% | 1,329 |
| Earnings coverage of net charge-offs (x) | 24.5531% | 1,575 |
| Efficiency ratio | 56.0757% | 3,934 |
| Assets per employee ($millions) | 4.0351% | 4,277 |
| Cash dividends to net income (ytd only)* | 23.0481% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5635% | 1,096 |
| Loan loss allowance to noncurrent loans | 323.5900% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.3488% | 2,895 |
| Noncurrent loans to loans | 0.4832% | 2,699 |
| Net loans and leases to total assets | 71.0727% | 1,859 |
| Net loans and leases to deposits | 81.9250% | 2,216 |
| Net loans and leases to core deposits | 84.3632% | 2,584 |
| Total domestic deposits to total assets | 86.7533% | 1,713 |
| Equity capital to assets | 10.1303% | 3,085 |
| Core capital (leverage) ratio | 9.7535% | 3,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5501% | 1,615 |
| Memoranda: | ||
| Average total assets | $489,843,333 | 1,529 |
| Average earning assets | $458,831,333 | 1,514 |
| Average equity | $51,262,667 | 1,635 |
| Average total loans | $353,271,667 | 1,481 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6252% | 1,925 |
| Cost of funding earning assets | 0.5726% | 3,578 |
| Net interest margin | 4.0526% | 1,244 |
| Noninterest income to average assets | 0.8732% | 1,123 |
| Noninterest expense to average assets | 2.9349% | 2,036 |
| Loan and lease loss provision to assets | 0.0978% | 2,458 |
| Net operating income to assets | 1.2478% | 1,382 |
| Return on assets (ROA) | 1.2592% | 1,453 |
| Pretax return on assets | 1.6460% | 964 |
| Return on Equity (ROE) | 11.8196% | 1,152 |
| Retained earnings to average equity (ytd only) | 5.4350% | 2,098 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5410% | 3,430 |
| Assets per employee ($millions) | 3.7832% | 4,190 |
| Cash dividends to net income (ytd only)* | 54.0176% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5550% | 1,177 |
| Loan loss allowance to noncurrent loans | 158.6516% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.7088% | 1,892 |
| Noncurrent loans to loans | 0.9801% | 1,682 |
| Net loans and leases to total assets | 71.1953% | 2,050 |
| Net loans and leases to deposits | 82.7715% | 2,357 |
| Net loans and leases to core deposits | 85.3704% | 2,727 |
| Total domestic deposits to total assets | 86.0143% | 1,999 |
| Equity capital to assets | 10.7260% | 3,111 |
| Core capital (leverage) ratio | 10.2304% | 3,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0034% | 1,902 |
| Memoranda: | ||
| Average total assets | $470,468,000 | 1,534 |
| Average earning assets | $440,111,000 | 1,519 |
| Average equity | $50,120,000 | 1,660 |
| Average total loans | $339,081,000 | 1,491 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7646% | 2,149 |
| Cost of funding earning assets | 0.6157% | 3,576 |
| Net interest margin | 4.1488% | 1,428 |
| Noninterest income to average assets | 0.9430% | 1,085 |
| Noninterest expense to average assets | 2.9109% | 2,262 |
| Loan and lease loss provision to assets | 0.2145% | 929 |
| Net operating income to assets | 1.2973% | 1,701 |
| Return on assets (ROA) | 1.2946% | 1,788 |
| Pretax return on assets | 1.6891% | 1,216 |
| Return on Equity (ROE) | 12.1855% | 1,444 |
| Retained earnings to average equity (ytd only) | 5.4775% | 2,177 |
| Net charge-offs to loans | 0.0383% | 2,622 |
| Credit loss provision to net charge-offs | 776.6129% | 424 |
| Earnings coverage of net charge-offs (x) | 69.0484% | 894 |
| Efficiency ratio | 60.0268% | 3,690 |
| Assets per employee ($millions) | 3.7146% | 4,257 |
| Cash dividends to net income (ytd only)* | 55.0490% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5475% | 1,093 |
| Loan loss allowance to noncurrent loans | 132.0640% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.8416% | 1,527 |
| Noncurrent loans to loans | 1.1718% | 1,293 |
| Net loans and leases to total assets | 70.7124% | 2,288 |
| Net loans and leases to deposits | 83.9431% | 2,341 |
| Net loans and leases to core deposits | 86.7505% | 2,731 |
| Total domestic deposits to total assets | 84.2384% | 2,773 |
| Equity capital to assets | 10.5797% | 3,366 |
| Core capital (leverage) ratio | 10.1790% | 3,324 |
| Tier 1 risk-based capital ratio | 13.8271% | 3,353 |
| Total risk-based capital ratio | 15.0806% | 3,259 |
| Memoranda: | ||
| Average total assets | $449,008,000 | 1,560 |
| Average earning assets | $419,345,200 | 1,548 |
| Average equity | $47,704,400 | 1,666 |
| Average total loans | $323,934,200 | 1,516 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7684% | 2,224 |
| Cost of funding earning assets | 0.6111% | 3,641 |
| Net interest margin | 4.1573% | 1,476 |
| Noninterest income to average assets | 0.9370% | 1,070 |
| Noninterest expense to average assets | 2.8971% | 2,271 |
| Loan and lease loss provision to assets | 0.2290% | 742 |
| Net operating income to assets | 1.3010% | 1,858 |
| Return on assets (ROA) | 1.2974% | 1,955 |
| Pretax return on assets | 1.6897% | 1,367 |
| Return on Equity (ROE) | 12.1983% | 1,549 |
| Retained earnings to average equity (ytd only) | 5.4262% | 2,660 |
| Net charge-offs to loans | 0.0436% | 2,223 |
| Credit loss provision to net charge-offs | 726.6667% | 459 |
| Earnings coverage of net charge-offs (x) | 61.0271% | 1,041 |
| Efficiency ratio | 59.7036% | 3,695 |
| Assets per employee ($millions) | 3.6019% | 4,391 |
| Cash dividends to net income (ytd only)* | 55.5170% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5105% | 1,218 |
| Loan loss allowance to noncurrent loans | 220.6063% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.5055% | 2,507 |
| Noncurrent loans to loans | 0.6847% | 2,250 |
| Net loans and leases to total assets | 72.7126% | 2,045 |
| Net loans and leases to deposits | 86.6416% | 2,118 |
| Net loans and leases to core deposits | 89.3352% | 2,601 |
| Total domestic deposits to total assets | 83.9234% | 2,851 |
| Equity capital to assets | 10.8659% | 3,230 |
| Core capital (leverage) ratio | 10.3526% | 3,249 |
| Tier 1 risk-based capital ratio | 13.7692% | 3,437 |
| Total risk-based capital ratio | 15.0224% | 3,345 |
| Memoranda: | ||
| Average total assets | $444,250,750 | 1,581 |
| Average earning assets | $414,974,250 | 1,574 |
| Average equity | $47,251,250 | 1,680 |
| Average total loans | $320,877,250 | 1,536 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7079% | 2,337 |
| Cost of funding earning assets | 0.5927% | 3,684 |
| Net interest margin | 4.1152% | 1,568 |
| Noninterest income to average assets | 0.8615% | 1,174 |
| Noninterest expense to average assets | 2.7853% | 2,640 |
| Loan and lease loss provision to assets | 0.2320% | 697 |
| Net operating income to assets | 1.2852% | 1,829 |
| Return on assets (ROA) | 1.2798% | 1,908 |
| Pretax return on assets | 1.6778% | 1,321 |
| Return on Equity (ROE) | 12.1214% | 1,530 |
| Retained earnings to average equity (ytd only) | 5.2683% | 2,634 |
| Net charge-offs to loans | 0.0334% | 2,198 |
| Credit loss provision to net charge-offs | 967.9245% | 357 |
| Earnings coverage of net charge-offs (x) | 79.9623% | 816 |
| Efficiency ratio | 58.8247% | 3,889 |
| Assets per employee ($millions) | 3.5458% | 4,444 |
| Cash dividends to net income (ytd only)* | 56.5371% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4827% | 1,330 |
| Loan loss allowance to noncurrent loans | 302.0664% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.3603% | 3,095 |
| Noncurrent loans to loans | 0.4908% | 2,810 |
| Net loans and leases to total assets | 72.3203% | 2,170 |
| Net loans and leases to deposits | 85.7329% | 2,286 |
| Net loans and leases to core deposits | 88.2803% | 2,771 |
| Total domestic deposits to total assets | 84.3554% | 2,736 |
| Equity capital to assets | 10.8107% | 3,261 |
| Core capital (leverage) ratio | 10.3020% | 3,285 |
| Tier 1 risk-based capital ratio | 14.1590% | 3,237 |
| Total risk-based capital ratio | 15.4123% | 3,153 |
| Memoranda: | ||
| Average total assets | $442,256,670 | 1,588 |
| Average earning assets | $412,711,330 | 1,583 |
| Average equity | $46,694,330 | 1,692 |
| Average total loans | $317,037,330 | 1,555 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6040% | 2,519 |
| Cost of funding earning assets | 0.5617% | 3,776 |
| Net interest margin | 4.0424% | 1,710 |
| Noninterest income to average assets | 0.9462% | 925 |
| Noninterest expense to average assets | 2.7027% | 2,898 |
| Loan and lease loss provision to assets | 0.3622% | 324 |
| Net operating income to assets | 1.2584% | 1,851 |
| Return on assets (ROA) | 1.2477% | 1,944 |
| Pretax return on assets | 1.6343% | 1,385 |
| Return on Equity (ROE) | 11.9608% | 1,544 |
| Retained earnings to average equity (ytd only) | 5.0169% | 2,899 |
| Net charge-offs to loans | 0.0780% | 1,298 |
| Credit loss provision to net charge-offs | 655.7377% | 508 |
| Earnings coverage of net charge-offs (x) | 36.3934% | 1,213 |
| Efficiency ratio | 56.9452% | 4,221 |
| Assets per employee ($millions) | 3.7035% | 4,338 |
| Cash dividends to net income (ytd only)* | 58.0552% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 1,358 |
| Loan loss allowance to noncurrent loans | 295.6003% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.3610% | 3,155 |
| Noncurrent loans to loans | 0.5054% | 2,796 |
| Net loans and leases to total assets | 70.3672% | 2,425 |
| Net loans and leases to deposits | 83.0962% | 2,493 |
| Net loans and leases to core deposits | 85.6158% | 2,898 |
| Total domestic deposits to total assets | 84.6816% | 2,787 |
| Equity capital to assets | 10.5877% | 3,263 |
| Core capital (leverage) ratio | 10.2299% | 3,351 |
| Tier 1 risk-based capital ratio | 14.1503% | 3,272 |
| Total risk-based capital ratio | 15.4034% | 3,189 |
| Memoranda: | ||
| Average total assets | $441,775,000 | 1,594 |
| Average earning assets | $411,641,000 | 1,590 |
| Average equity | $46,084,000 | 1,700 |
| Average total loans | $312,875,000 | 1,579 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5400% | 2,331 |
| Cost of funding earning assets | 0.4008% | 3,983 |
| Net interest margin | 4.1392% | 1,561 |
| Noninterest income to average assets | 0.7409% | 1,688 |
| Noninterest expense to average assets | 2.8709% | 2,453 |
| Loan and lease loss provision to assets | 0.0820% | 2,491 |
| Net operating income to assets | 1.2518% | 1,968 |
| Return on assets (ROA) | 1.2516% | 1,964 |
| Pretax return on assets | 1.6447% | 1,325 |
| Return on Equity (ROE) | 12.0137% | 1,709 |
| Retained earnings to average equity (ytd only) | 5.4587% | 2,500 |
| Net charge-offs to loans | 0.0550% | 2,359 |
| Credit loss provision to net charge-offs | 209.6386% | 1,383 |
| Earnings coverage of net charge-offs (x) | 44.1747% | 1,227 |
| Efficiency ratio | 62.0057% | 3,525 |
| Assets per employee ($millions) | 3.8175% | 4,153 |
| Cash dividends to net income (ytd only)* | 54.5626% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4032% | 1,622 |
| Loan loss allowance to noncurrent loans | 256.7981% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.3837% | 3,025 |
| Noncurrent loans to loans | 0.5464% | 2,637 |
| Net loans and leases to total assets | 69.2278% | 2,702 |
| Net loans and leases to deposits | 81.0250% | 2,850 |
| Net loans and leases to core deposits | 83.3734% | 3,144 |
| Total domestic deposits to total assets | 85.4401% | 2,458 |
| Equity capital to assets | 10.2761% | 3,402 |
| Core capital (leverage) ratio | 10.2866% | 3,259 |
| Tier 1 risk-based capital ratio | 14.0061% | 3,286 |
| Total risk-based capital ratio | 15.2580% | 3,214 |
| Memoranda: | ||
| Average total assets | $424,647,000 | 1,610 |
| Average earning assets | $395,683,800 | 1,603 |
| Average equity | $44,241,200 | 1,689 |
| Average total loans | $302,089,200 | 1,590 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5176% | 2,240 |
| Cost of funding earning assets | 0.3659% | 4,082 |
| Net interest margin | 4.1518% | 1,493 |
| Noninterest income to average assets | 0.7322% | 1,744 |
| Noninterest expense to average assets | 2.8611% | 2,428 |
| Loan and lease loss provision to assets | 0.0914% | 2,149 |
| Net operating income to assets | 1.2574% | 2,013 |
| Return on assets (ROA) | 1.2571% | 2,021 |
| Pretax return on assets | 1.6510% | 1,416 |
| Return on Equity (ROE) | 12.0232% | 1,784 |
| Retained earnings to average equity (ytd only) | 5.6489% | 2,855 |
| Net charge-offs to loans | 0.0702% | 1,831 |
| Credit loss provision to net charge-offs | 182.2785% | 1,484 |
| Earnings coverage of net charge-offs (x) | 34.7534% | 1,468 |
| Efficiency ratio | 61.7055% | 3,553 |
| Assets per employee ($millions) | 3.5805% | 4,456 |
| Cash dividends to net income (ytd only)* | 53.0169% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4047% | 1,678 |
| Loan loss allowance to noncurrent loans | 218.4397% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.4743% | 2,787 |
| Noncurrent loans to loans | 0.6431% | 2,477 |
| Net loans and leases to total assets | 71.6341% | 2,384 |
| Net loans and leases to deposits | 85.4433% | 2,429 |
| Net loans and leases to core deposits | 87.6674% | 2,860 |
| Total domestic deposits to total assets | 83.8381% | 3,000 |
| Equity capital to assets | 10.5295% | 3,116 |
| Core capital (leverage) ratio | 10.3053% | 3,285 |
| Tier 1 risk-based capital ratio | 14.5716% | 3,084 |
| Total risk-based capital ratio | 15.8240% | 3,004 |
| Memoranda: | ||
| Average total assets | $420,100,750 | 1,627 |
| Average earning assets | $391,758,000 | 1,624 |
| Average equity | $43,925,000 | 1,702 |
| Average total loans | $299,880,000 | 1,604 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4440% | 2,278 |
| Cost of funding earning assets | 0.3316% | 4,194 |
| Net interest margin | 4.1124% | 1,517 |
| Noninterest income to average assets | 0.6959% | 1,884 |
| Noninterest expense to average assets | 2.8271% | 2,584 |
| Loan and lease loss provision to assets | 0.0849% | 2,216 |
| Net operating income to assets | 1.2291% | 2,067 |
| Return on assets (ROA) | 1.2287% | 2,067 |
| Pretax return on assets | 1.6113% | 1,465 |
| Return on Equity (ROE) | 11.7793% | 1,809 |
| Retained earnings to average equity (ytd only) | 5.8348% | 2,646 |
| Net charge-offs to loans | 0.0612% | 1,733 |
| Credit loss provision to net charge-offs | 195.6044% | 1,328 |
| Earnings coverage of net charge-offs (x) | 39.0879% | 1,319 |
| Efficiency ratio | 62.0413% | 3,619 |
| Assets per employee ($millions) | 3.5979% | 4,473 |
| Cash dividends to net income (ytd only)* | 50.4658% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4105% | 1,715 |
| Loan loss allowance to noncurrent loans | 237.2985% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.4237% | 3,029 |
| Noncurrent loans to loans | 0.5944% | 2,639 |
| Net loans and leases to total assets | 70.2827% | 2,537 |
| Net loans and leases to deposits | 83.0374% | 2,648 |
| Net loans and leases to core deposits | 85.1696% | 2,999 |
| Total domestic deposits to total assets | 84.6397% | 2,825 |
| Equity capital to assets | 10.4040% | 3,206 |
| Core capital (leverage) ratio | 10.3164% | 3,225 |
| Tier 1 risk-based capital ratio | 14.6103% | 3,064 |
| Total risk-based capital ratio | 15.8629% | 2,980 |
| Memoranda: | ||
| Average total assets | $419,301,000 | 1,643 |
| Average earning assets | $390,278,670 | 1,636 |
| Average equity | $43,737,670 | 1,713 |
| Average total loans | $297,518,000 | 1,618 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3172% | 2,460 |
| Cost of funding earning assets | 0.3019% | 4,336 |
| Net interest margin | 4.0153% | 1,675 |
| Noninterest income to average assets | 0.6979% | 1,843 |
| Noninterest expense to average assets | 2.8310% | 2,602 |
| Loan and lease loss provision to assets | 0.0432% | 2,893 |
| Net operating income to assets | 1.1902% | 2,050 |
| Return on assets (ROA) | 1.1894% | 2,066 |
| Pretax return on assets | 1.5513% | 1,522 |
| Return on Equity (ROE) | 11.3875% | 1,813 |
| Retained earnings to average equity (ytd only) | 6.7920% | 2,370 |
| Net charge-offs to loans | 0.0163% | 2,189 |
| Credit loss provision to net charge-offs | 375.0000% | 709 |
| Earnings coverage of net charge-offs (x) | 138.5000% | 464 |
| Efficiency ratio | 63.5003% | 3,560 |
| Assets per employee ($millions) | 3.5458% | 4,614 |
| Cash dividends to net income (ytd only)* | 40.3551% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4332% | 1,717 |
| Loan loss allowance to noncurrent loans | 206.4153% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.5170% | 2,801 |
| Noncurrent loans to loans | 0.6943% | 2,477 |
| Net loans and leases to total assets | 69.2846% | 2,592 |
| Net loans and leases to deposits | 81.0226% | 2,694 |
| Net loans and leases to core deposits | 82.9665% | 3,066 |
| Total domestic deposits to total assets | 85.5128% | 2,747 |
| Equity capital to assets | 10.4414% | 3,128 |
| Core capital (leverage) ratio | 10.3018% | 3,187 |
| Tier 1 risk-based capital ratio | 14.8672% | 2,940 |
| Total risk-based capital ratio | 16.1201% | 2,874 |
| Memoranda: | ||
| Average total assets | $416,676,500 | 1,660 |
| Average earning assets | $386,916,500 | 1,665 |
| Average equity | $43,521,500 | 1,725 |
| Average total loans | $294,950,000 | 1,633 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3525% | 2,173 |
| Cost of funding earning assets | 0.2646% | 4,439 |
| Net interest margin | 4.0879% | 1,487 |
| Noninterest income to average assets | 0.8806% | 1,326 |
| Noninterest expense to average assets | 3.0741% | 1,940 |
| Loan and lease loss provision to assets | 0.0541% | 3,152 |
| Net operating income to assets | 1.0020% | 2,232 |
| Return on assets (ROA) | 1.0020% | 2,270 |
| Pretax return on assets | 1.5436% | 1,475 |
| Return on Equity (ROE) | 9.5959% | 2,055 |
| Retained earnings to average equity (ytd only) | 4.9053% | 2,187 |
| Net charge-offs to loans | 0.0215% | 3,385 |
| Credit loss provision to net charge-offs | 355.9322% | 831 |
| Earnings coverage of net charge-offs (x) | 105.0508% | 625 |
| Efficiency ratio | 65.3589% | 3,370 |
| Assets per employee ($millions) | 3.5165% | 4,673 |
| Cash dividends to net income (ytd only)* | 48.8809% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4138% | 1,710 |
| Loan loss allowance to noncurrent loans | 235.3405% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.4574% | 3,039 |
| Noncurrent loans to loans | 0.6008% | 2,730 |
| Net loans and leases to total assets | 70.2769% | 2,486 |
| Net loans and leases to deposits | 82.1064% | 2,709 |
| Net loans and leases to core deposits | 84.1737% | 3,043 |
| Total domestic deposits to total assets | 85.5925% | 2,618 |
| Equity capital to assets | 10.4485% | 3,215 |
| Core capital (leverage) ratio | 10.1970% | 3,194 |
| Tier 1 risk-based capital ratio | 14.4408% | 3,115 |
| Total risk-based capital ratio | 15.6932% | 3,032 |
| Memoranda: | ||
| Average total assets | $387,919,800 | 1,762 |
| Average earning assets | $359,768,000 | 1,754 |
| Average equity | $40,506,800 | 1,843 |
| Average total loans | $274,794,200 | 1,688 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3132% | 2,229 |
| Cost of funding earning assets | 0.2594% | 4,487 |
| Net interest margin | 4.0538% | 1,527 |
| Noninterest income to average assets | 0.9179% | 1,220 |
| Noninterest expense to average assets | 3.1213% | 1,747 |
| Loan and lease loss provision to assets | 0.0525% | 3,050 |
| Net operating income to assets | 1.0494% | 2,332 |
| Return on assets (ROA) | 1.0494% | 2,374 |
| Pretax return on assets | 1.5048% | 1,754 |
| Return on Equity (ROE) | 10.0514% | 2,111 |
| Retained earnings to average equity (ytd only) | 5.3607% | 2,637 |
| Net charge-offs to loans | 0.0158% | 3,203 |
| Credit loss provision to net charge-offs | 468.7500% | 683 |
| Earnings coverage of net charge-offs (x) | 139.1106% | 568 |
| Efficiency ratio | 66.2729% | 3,164 |
| Assets per employee ($millions) | 3.4462% | 4,804 |
| Cash dividends to net income (ytd only)* | 46.6667% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4406% | 1,734 |
| Loan loss allowance to noncurrent loans | 209.0176% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.5179% | 2,984 |
| Noncurrent loans to loans | 0.6892% | 2,641 |
| Net loans and leases to total assets | 69.8058% | 2,594 |
| Net loans and leases to deposits | 81.7446% | 2,803 |
| Net loans and leases to core deposits | 83.8393% | 3,137 |
| Total domestic deposits to total assets | 85.3949% | 2,558 |
| Equity capital to assets | 10.6363% | 3,231 |
| Core capital (leverage) ratio | 10.2437% | 3,263 |
| Tier 1 risk-based capital ratio | 14.4271% | 3,224 |
| Total risk-based capital ratio | 15.6798% | 3,141 |
| Memoranda: | ||
| Average total assets | $381,162,250 | 1,801 |
| Average earning assets | $353,604,000 | 1,797 |
| Average equity | $39,794,500 | 1,885 |
| Average total loans | $269,543,750 | 1,722 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2450% | 2,310 |
| Cost of funding earning assets | 0.2538% | 4,508 |
| Net interest margin | 3.9912% | 1,631 |
| Noninterest income to average assets | 0.7288% | 1,868 |
| Noninterest expense to average assets | 2.9318% | 2,318 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0154% | 2,354 |
| Return on assets (ROA) | 1.0154% | 2,395 |
| Pretax return on assets | 1.4936% | 1,667 |
| Return on Equity (ROE) | 9.7925% | 2,130 |
| Retained earnings to average equity (ytd only) | 5.1343% | 2,619 |
| Net charge-offs to loans | 0.0243% | 2,732 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 86.9688% | 720 |
| Efficiency ratio | 65.7652% | 3,389 |
| Assets per employee ($millions) | 3.6380% | 4,523 |
| Cash dividends to net income (ytd only)* | 47.5687% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4908% | 1,607 |
| Loan loss allowance to noncurrent loans | 227.9932% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.4846% | 3,155 |
| Noncurrent loans to loans | 0.6539% | 2,783 |
| Net loans and leases to total assets | 70.5205% | 2,440 |
| Net loans and leases to deposits | 82.5449% | 2,652 |
| Net loans and leases to core deposits | 84.6551% | 2,995 |
| Total domestic deposits to total assets | 85.4329% | 2,636 |
| Equity capital to assets | 10.4890% | 3,364 |
| Core capital (leverage) ratio | 10.1161% | 3,385 |
| Tier 1 risk-based capital ratio | 13.8388% | 3,513 |
| Total risk-based capital ratio | 15.0918% | 3,431 |
| Memoranda: | ||
| Average total assets | $372,667,330 | 1,833 |
| Average earning assets | $345,157,670 | 1,834 |
| Average equity | $38,642,000 | 1,929 |
| Average total loans | $263,387,670 | 1,748 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1814% | 2,331 |
| Cost of funding earning assets | 0.2514% | 4,525 |
| Net interest margin | 3.9300% | 1,676 |
| Noninterest income to average assets | 0.7093% | 1,921 |
| Noninterest expense to average assets | 2.8877% | 2,498 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9967% | 2,320 |
| Return on assets (ROA) | 0.9967% | 2,372 |
| Pretax return on assets | 1.4562% | 1,676 |
| Return on Equity (ROE) | 9.6682% | 2,111 |
| Retained earnings to average equity (ytd only) | 5.4919% | 2,600 |
| Net charge-offs to loans | 0.0429% | 1,978 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 48.3214% | 919 |
| Efficiency ratio | 65.7334% | 3,543 |
| Assets per employee ($millions) | 3.6465% | 4,580 |
| Cash dividends to net income (ytd only)* | 43.1965% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 1,618 |
| Loan loss allowance to noncurrent loans | 212.2481% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.5519% | 3,025 |
| Noncurrent loans to loans | 0.7172% | 2,702 |
| Net loans and leases to total assets | 68.9451% | 2,542 |
| Net loans and leases to deposits | 80.8079% | 2,638 |
| Net loans and leases to core deposits | 82.7218% | 3,017 |
| Total domestic deposits to total assets | 85.3197% | 2,955 |
| Equity capital to assets | 10.2939% | 3,416 |
| Core capital (leverage) ratio | 10.1702% | 3,284 |
| Tier 1 risk-based capital ratio | 13.9514% | 3,513 |
| Total risk-based capital ratio | 15.2046% | 3,420 |
| Memoranda: | ||
| Average total assets | $371,643,500 | 1,853 |
| Average earning assets | $343,715,500 | 1,851 |
| Average equity | $38,311,000 | 1,948 |
| Average total loans | $260,956,500 | 1,768 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2766% | 2,224 |
| Cost of funding earning assets | 0.2568% | 4,506 |
| Net interest margin | 4.0198% | 1,578 |
| Noninterest income to average assets | 0.9959% | 1,162 |
| Noninterest expense to average assets | 3.1044% | 2,021 |
| Loan and lease loss provision to assets | 0.0843% | 2,672 |
| Net operating income to assets | 1.0451% | 2,162 |
| Return on assets (ROA) | 1.0451% | 2,266 |
| Pretax return on assets | 1.5452% | 1,449 |
| Return on Equity (ROE) | 9.8938% | 2,002 |
| Retained earnings to average equity (ytd only) | 4.3086% | 2,835 |
| Net charge-offs to loans | 0.0936% | 2,376 |
| Credit loss provision to net charge-offs | 128.7554% | 2,078 |
| Earnings coverage of net charge-offs (x) | 24.8927% | 1,612 |
| Efficiency ratio | 64.8605% | 3,788 |
| Assets per employee ($millions) | 3.6405% | 4,555 |
| Cash dividends to net income (ytd only)* | 56.4516% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5566% | 1,482 |
| Loan loss allowance to noncurrent loans | 197.7920% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.5687% | 3,030 |
| Noncurrent loans to loans | 0.7870% | 2,549 |
| Net loans and leases to total assets | 69.3310% | 2,575 |
| Net loans and leases to deposits | 81.3966% | 2,741 |
| Net loans and leases to core deposits | 83.5439% | 3,069 |
| Total domestic deposits to total assets | 85.1768% | 2,970 |
| Equity capital to assets | 10.3235% | 3,362 |
| Core capital (leverage) ratio | 10.1554% | 3,292 |
| Tier 1 risk-based capital ratio | 14.1799% | 3,358 |
| Total risk-based capital ratio | 15.4341% | 3,284 |
| Memoranda: | ||
| Average total assets | $355,950,000 | 1,874 |
| Average earning assets | $330,989,800 | 1,869 |
| Average equity | $37,599,200 | 1,948 |
| Average total loans | $249,060,600 | 1,798 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2823% | 2,218 |
| Cost of funding earning assets | 0.2593% | 4,516 |
| Net interest margin | 4.0230% | 1,591 |
| Noninterest income to average assets | 1.0311% | 1,074 |
| Noninterest expense to average assets | 3.0876% | 2,060 |
| Loan and lease loss provision to assets | 0.0982% | 2,262 |
| Net operating income to assets | 1.0730% | 2,100 |
| Return on assets (ROA) | 1.0730% | 2,209 |
| Pretax return on assets | 1.5893% | 1,414 |
| Return on Equity (ROE) | 10.0986% | 2,012 |
| Retained earnings to average equity (ytd only) | 4.0558% | 3,414 |
| Net charge-offs to loans | 0.1092% | 1,852 |
| Credit loss provision to net charge-offs | 128.7129% | 1,987 |
| Earnings coverage of net charge-offs (x) | 22.1185% | 1,779 |
| Efficiency ratio | 63.9326% | 3,944 |
| Assets per employee ($millions) | 3.4418% | 4,852 |
| Cash dividends to net income (ytd only)* | 59.8380% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6144% | 1,427 |
| Loan loss allowance to noncurrent loans | 164.1633% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.7580% | 2,655 |
| Noncurrent loans to loans | 0.9834% | 2,274 |
| Net loans and leases to total assets | 69.1413% | 2,617 |
| Net loans and leases to deposits | 81.5907% | 2,785 |
| Net loans and leases to core deposits | 83.7170% | 3,155 |
| Total domestic deposits to total assets | 84.7416% | 2,918 |
| Equity capital to assets | 10.8088% | 3,236 |
| Core capital (leverage) ratio | 10.1487% | 3,381 |
| Tier 1 risk-based capital ratio | 14.6346% | 3,219 |
| Total risk-based capital ratio | 15.8894% | 3,160 |
| Memoranda: | ||
| Average total assets | $353,014,000 | 1,895 |
| Average earning assets | $328,536,750 | 1,885 |
| Average equity | $37,509,250 | 1,966 |
| Average total loans | $246,586,500 | 1,816 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2513% | 2,330 |
| Cost of funding earning assets | 0.2582% | 4,567 |
| Net interest margin | 3.9930% | 1,663 |
| Noninterest income to average assets | 1.0995% | 926 |
| Noninterest expense to average assets | 3.0989% | 2,068 |
| Loan and lease loss provision to assets | 0.1362% | 1,671 |
| Net operating income to assets | 1.0655% | 2,104 |
| Return on assets (ROA) | 1.0655% | 2,228 |
| Pretax return on assets | 1.5755% | 1,434 |
| Return on Equity (ROE) | 10.0860% | 2,009 |
| Retained earnings to average equity (ytd only) | 2.5672% | 4,257 |
| Net charge-offs to loans | 0.1375% | 1,503 |
| Credit loss provision to net charge-offs | 142.0118% | 1,660 |
| Earnings coverage of net charge-offs (x) | 17.8521% | 1,859 |
| Efficiency ratio | 63.6868% | 4,073 |
| Assets per employee ($millions) | 3.4381% | 4,855 |
| Cash dividends to net income (ytd only)* | 74.5474% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6368% | 1,434 |
| Loan loss allowance to noncurrent loans | 144.3649% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.8652% | 2,434 |
| Noncurrent loans to loans | 1.1338% | 2,033 |
| Net loans and leases to total assets | 68.4750% | 2,715 |
| Net loans and leases to deposits | 80.6982% | 2,853 |
| Net loans and leases to core deposits | 82.8057% | 3,194 |
| Total domestic deposits to total assets | 84.8533% | 2,937 |
| Equity capital to assets | 10.5848% | 3,547 |
| Core capital (leverage) ratio | 10.3485% | 3,134 |
| Tier 1 risk-based capital ratio | 14.8259% | 3,152 |
| Total risk-based capital ratio | 16.0810% | 3,092 |
| Memoranda: | ||
| Average total assets | $352,516,670 | 1,899 |
| Average earning assets | $327,620,670 | 1,892 |
| Average equity | $37,239,670 | 1,983 |
| Average total loans | $245,738,000 | 1,825 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2590% | 2,274 |
| Cost of funding earning assets | 0.2594% | 4,619 |
| Net interest margin | 3.9996% | 1,619 |
| Noninterest income to average assets | 1.4364% | 545 |
| Noninterest expense to average assets | 3.1833% | 1,877 |
| Loan and lease loss provision to assets | 0.2730% | 613 |
| Net operating income to assets | 1.1441% | 1,735 |
| Return on assets (ROA) | 1.1441% | 1,851 |
| Pretax return on assets | 1.6980% | 1,075 |
| Return on Equity (ROE) | 10.8412% | 1,660 |
| Retained earnings to average equity (ytd only) | 3.2976% | 3,844 |
| Net charge-offs to loans | 0.1141% | 1,437 |
| Credit loss provision to net charge-offs | 342.8571% | 779 |
| Earnings coverage of net charge-offs (x) | 24.7571% | 1,317 |
| Efficiency ratio | 61.0547% | 4,593 |
| Assets per employee ($millions) | 3.3543% | 5,043 |
| Cash dividends to net income (ytd only)* | 69.5825% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6898% | 1,388 |
| Loan loss allowance to noncurrent loans | 137.1599% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.9127% | 2,411 |
| Noncurrent loans to loans | 1.2320% | 1,964 |
| Net loans and leases to total assets | 68.9441% | 2,506 |
| Net loans and leases to deposits | 80.9511% | 2,678 |
| Net loans and leases to core deposits | 83.3032% | 3,004 |
| Total domestic deposits to total assets | 85.1676% | 3,056 |
| Equity capital to assets | 10.6928% | 3,269 |
| Core capital (leverage) ratio | 10.4246% | 3,048 |
| Tier 1 risk-based capital ratio | 14.8236% | 3,233 |
| Total risk-based capital ratio | 16.0792% | 3,170 |
| Memoranda: | ||
| Average total assets | $351,710,500 | 1,901 |
| Average earning assets | $326,934,000 | 1,900 |
| Average equity | $37,117,500 | 1,977 |
| Average total loans | $245,344,500 | 1,827 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3926% | 1,924 |
| Cost of funding earning assets | 0.2652% | 4,640 |
| Net interest margin | 4.1274% | 1,342 |
| Noninterest income to average assets | 0.7506% | 1,983 |
| Noninterest expense to average assets | 3.0240% | 2,465 |
| Loan and lease loss provision to assets | 0.0030% | 4,329 |
| Net operating income to assets | 1.0649% | 2,072 |
| Return on assets (ROA) | 1.0649% | 2,145 |
| Pretax return on assets | 1.5668% | 1,353 |
| Return on Equity (ROE) | 9.8652% | 2,059 |
| Retained earnings to average equity (ytd only) | 2.7502% | 4,113 |
| Net charge-offs to loans | 0.0454% | 3,310 |
| Credit loss provision to net charge-offs | 9.2593% | 3,829 |
| Earnings coverage of net charge-offs (x) | 49.2037% | 1,015 |
| Efficiency ratio | 64.9605% | 4,091 |
| Assets per employee ($millions) | 3.4424% | 4,919 |
| Cash dividends to net income (ytd only)* | 72.1221% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6111% | 1,579 |
| Loan loss allowance to noncurrent loans | 106.3875% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 1.0627% | 2,062 |
| Noncurrent loans to loans | 1.5144% | 1,538 |
| Net loans and leases to total assets | 68.2739% | 2,663 |
| Net loans and leases to deposits | 80.2470% | 2,795 |
| Net loans and leases to core deposits | 82.3565% | 3,105 |
| Total domestic deposits to total assets | 85.0796% | 3,053 |
| Equity capital to assets | 10.4163% | 3,464 |
| Core capital (leverage) ratio | 10.4341% | 3,013 |
| Tier 1 risk-based capital ratio | 14.9567% | 3,195 |
| Total risk-based capital ratio | 16.2119% | 3,129 |
| Memoranda: | ||
| Average total assets | $338,521,200 | 1,933 |
| Average earning assets | $315,208,800 | 1,921 |
| Average equity | $36,542,600 | 1,952 |
| Average total loans | $238,087,800 | 1,815 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3754% | 1,997 |
| Cost of funding earning assets | 0.2669% | 4,694 |
| Net interest margin | 4.1085% | 1,390 |
| Noninterest income to average assets | 0.7286% | 2,115 |
| Noninterest expense to average assets | 2.9639% | 2,625 |
| Loan and lease loss provision to assets | 0.0040% | 4,178 |
| Net operating income to assets | 1.0798% | 2,098 |
| Return on assets (ROA) | 1.0798% | 2,180 |
| Pretax return on assets | 1.5900% | 1,415 |
| Return on Equity (ROE) | 9.9106% | 2,140 |
| Retained earnings to average equity (ytd only) | 2.9596% | 4,344 |
| Net charge-offs to loans | 0.0486% | 2,920 |
| Credit loss provision to net charge-offs | 11.6279% | 3,438 |
| Earnings coverage of net charge-offs (x) | 46.5016% | 1,113 |
| Efficiency ratio | 64.1627% | 4,215 |
| Assets per employee ($millions) | 3.2769% | 5,159 |
| Cash dividends to net income (ytd only)* | 70.1366% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6550% | 1,594 |
| Loan loss allowance to noncurrent loans | 89.5730% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 1.3330% | 1,755 |
| Noncurrent loans to loans | 1.8477% | 1,266 |
| Net loans and leases to total assets | 70.1745% | 2,362 |
| Net loans and leases to deposits | 83.2190% | 2,503 |
| Net loans and leases to core deposits | 85.3245% | 2,914 |
| Total domestic deposits to total assets | 84.3251% | 3,296 |
| Equity capital to assets | 10.8930% | 3,134 |
| Core capital (leverage) ratio | 10.6037% | 2,922 |
| Tier 1 risk-based capital ratio | 15.3009% | 3,140 |
| Total risk-based capital ratio | 16.5564% | 3,067 |
| Memoranda: | ||
| Average total assets | $334,509,250 | 1,975 |
| Average earning assets | $311,766,500 | 1,955 |
| Average equity | $36,445,000 | 1,972 |
| Average total loans | $236,099,250 | 1,833 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3349% | 2,067 |
| Cost of funding earning assets | 0.2653% | 4,768 |
| Net interest margin | 4.0696% | 1,446 |
| Noninterest income to average assets | 0.7178% | 2,138 |
| Noninterest expense to average assets | 2.9349% | 2,767 |
| Loan and lease loss provision to assets | 0.0060% | 3,978 |
| Net operating income to assets | 1.0662% | 2,076 |
| Return on assets (ROA) | 1.0662% | 2,183 |
| Pretax return on assets | 1.5670% | 1,433 |
| Return on Equity (ROE) | 9.7859% | 2,166 |
| Retained earnings to average equity (ytd only) | 3.1812% | 4,028 |
| Net charge-offs to loans | 0.0188% | 3,324 |
| Credit loss provision to net charge-offs | 45.4545% | 2,752 |
| Earnings coverage of net charge-offs (x) | 119.2273% | 529 |
| Efficiency ratio | 64.2677% | 4,311 |
| Assets per employee ($millions) | 3.6142% | 4,602 |
| Cash dividends to net income (ytd only)* | 67.4916% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6983% | 1,606 |
| Loan loss allowance to noncurrent loans | 97.1223% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 1.2563% | 1,994 |
| Noncurrent loans to loans | 1.7486% | 1,467 |
| Net loans and leases to total assets | 69.0026% | 2,482 |
| Net loans and leases to deposits | 81.6827% | 2,602 |
| Net loans and leases to core deposits | 83.6307% | 3,020 |
| Total domestic deposits to total assets | 84.4764% | 3,359 |
| Equity capital to assets | 10.7375% | 3,182 |
| Core capital (leverage) ratio | 10.6478% | 2,792 |
| Tier 1 risk-based capital ratio | 15.2367% | 3,231 |
| Total risk-based capital ratio | 16.4926% | 3,163 |
| Memoranda: | ||
| Average total assets | $333,505,670 | 1,992 |
| Average earning assets | $310,598,330 | 1,974 |
| Average equity | $36,338,000 | 1,979 |
| Average total loans | $234,519,330 | 1,845 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3069% | 2,076 |
| Cost of funding earning assets | 0.2665% | 4,835 |
| Net interest margin | 4.0404% | 1,438 |
| Noninterest income to average assets | 0.6731% | 2,291 |
| Noninterest expense to average assets | 2.9105% | 2,872 |
| Loan and lease loss provision to assets | 0.0121% | 3,567 |
| Net operating income to assets | 1.0315% | 2,117 |
| Return on assets (ROA) | 1.0315% | 2,265 |
| Pretax return on assets | 1.5134% | 1,521 |
| Return on Equity (ROE) | 9.3968% | 2,270 |
| Retained earnings to average equity (ytd only) | 3.8823% | 3,673 |
| Net charge-offs to loans | 0.0378% | 2,455 |
| Credit loss provision to net charge-offs | 45.4545% | 2,139 |
| Earnings coverage of net charge-offs (x) | 57.2727% | 767 |
| Efficiency ratio | 64.8199% | 4,342 |
| Assets per employee ($millions) | 3.5170% | 4,867 |
| Cash dividends to net income (ytd only)* | 58.6854% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7297% | 1,667 |
| Loan loss allowance to noncurrent loans | 107.0862% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 1.1739% | 2,285 |
| Noncurrent loans to loans | 1.6152% | 1,723 |
| Net loans and leases to total assets | 69.5991% | 2,192 |
| Net loans and leases to deposits | 83.2398% | 2,174 |
| Net loans and leases to core deposits | 85.0430% | 2,653 |
| Total domestic deposits to total assets | 83.6128% | 3,969 |
| Equity capital to assets | 11.0369% | 2,930 |
| Core capital (leverage) ratio | 10.8784% | 2,537 |
| Tier 1 risk-based capital ratio | 15.0546% | 3,402 |
| Total risk-based capital ratio | 16.3104% | 3,323 |
| Memoranda: | ||
| Average total assets | $330,391,000 | 2,020 |
| Average earning assets | $307,694,500 | 2,003 |
| Average equity | $36,267,500 | 1,995 |
| Average total loans | $232,541,000 | 1,855 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3719% | 2,313 |
| Cost of funding earning assets | 0.3041% | 4,756 |
| Net interest margin | 4.0678% | 1,687 |
| Noninterest income to average assets | 0.7671% | 2,006 |
| Noninterest expense to average assets | 2.9654% | 2,950 |
| Loan and lease loss provision to assets | 0.0236% | 4,133 |
| Net operating income to assets | 1.0683% | 2,093 |
| Return on assets (ROA) | 1.0690% | 2,145 |
| Pretax return on assets | 1.5548% | 1,372 |
| Return on Equity (ROE) | 9.6187% | 2,290 |
| Retained earnings to average equity (ytd only) | 2.3466% | 4,558 |
| Net charge-offs to loans | 0.0130% | 4,635 |
| Credit loss provision to net charge-offs | 271.4286% | 940 |
| Earnings coverage of net charge-offs (x) | 181.2500% | 296 |
| Efficiency ratio | 64.4817% | 4,511 |
| Assets per employee ($millions) | 3.5126% | 4,881 |
| Cash dividends to net income (ytd only)* | 75.6034% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7589% | 1,635 |
| Loan loss allowance to noncurrent loans | 113.9731% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 1.1778% | 2,407 |
| Noncurrent loans to loans | 1.5433% | 1,900 |
| Net loans and leases to total assets | 68.7122% | 2,456 |
| Net loans and leases to deposits | 82.9883% | 2,340 |
| Net loans and leases to core deposits | 84.8941% | 2,792 |
| Total domestic deposits to total assets | 82.7974% | 4,144 |
| Equity capital to assets | 10.9173% | 2,987 |
| Core capital (leverage) ratio | 10.4738% | 2,978 |
| Tier 1 risk-based capital ratio | 14.3237% | 3,884 |
| Total risk-based capital ratio | 15.5796% | 3,816 |
| Memoranda: | ||
| Average total assets | $321,715,800 | 2,017 |
| Average earning assets | $298,615,000 | 2,005 |
| Average equity | $35,753,400 | 1,960 |
| Average total loans | $215,719,200 | 1,929 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3037% | 2,617 |
| Cost of funding earning assets | 0.3111% | 4,767 |
| Net interest margin | 3.9926% | 1,901 |
| Noninterest income to average assets | 0.7989% | 1,901 |
| Noninterest expense to average assets | 2.9269% | 3,034 |
| Loan and lease loss provision to assets | 0.0317% | 3,776 |
| Net operating income to assets | 1.0700% | 2,153 |
| Return on assets (ROA) | 1.0709% | 2,218 |
| Pretax return on assets | 1.5519% | 1,478 |
| Return on Equity (ROE) | 9.5924% | 2,407 |
| Retained earnings to average equity (ytd only) | 2.8661% | 4,562 |
| Net charge-offs to loans | 0.0151% | 4,250 |
| Credit loss provision to net charge-offs | 316.6667% | 878 |
| Earnings coverage of net charge-offs (x) | 158.0378% | 393 |
| Efficiency ratio | 64.1040% | 4,523 |
| Assets per employee ($millions) | 3.4893% | 4,883 |
| Cash dividends to net income (ytd only)* | 70.1208% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8379% | 1,608 |
| Loan loss allowance to noncurrent loans | 99.8527% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.2965% | 2,385 |
| Noncurrent loans to loans | 1.8406% | 1,738 |
| Net loans and leases to total assets | 66.9221% | 2,697 |
| Net loans and leases to deposits | 82.2615% | 2,394 |
| Net loans and leases to core deposits | 84.2524% | 2,854 |
| Total domestic deposits to total assets | 81.3529% | 4,714 |
| Equity capital to assets | 11.1063% | 2,851 |
| Core capital (leverage) ratio | 10.4808% | 3,066 |
| Tier 1 risk-based capital ratio | 14.3847% | 3,957 |
| Total risk-based capital ratio | 15.6407% | 3,892 |
| Memoranda: | ||
| Average total assets | $319,599,000 | 2,049 |
| Average earning assets | $297,007,750 | 2,029 |
| Average equity | $35,680,000 | 1,972 |
| Average total loans | $211,914,500 | 1,974 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2700% | 2,700 |
| Cost of funding earning assets | 0.3161% | 4,812 |
| Net interest margin | 3.9539% | 1,950 |
| Noninterest income to average assets | 0.8164% | 1,780 |
| Noninterest expense to average assets | 2.9255% | 3,082 |
| Loan and lease loss provision to assets | 0.0478% | 3,352 |
| Net operating income to assets | 1.0510% | 2,116 |
| Return on assets (ROA) | 1.0523% | 2,186 |
| Pretax return on assets | 1.5197% | 1,481 |
| Return on Equity (ROE) | 9.4094% | 2,413 |
| Retained earnings to average equity (ytd only) | 3.7852% | 3,774 |
| Net charge-offs to loans | 0.0268% | 3,653 |
| Credit loss provision to net charge-offs | 271.4286% | 929 |
| Earnings coverage of net charge-offs (x) | 88.8929% | 607 |
| Efficiency ratio | 64.3277% | 4,643 |
| Assets per employee ($millions) | 3.4266% | 5,003 |
| Cash dividends to net income (ytd only)* | 59.7729% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9157% | 1,543 |
| Loan loss allowance to noncurrent loans | 106.4465% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.2495% | 2,608 |
| Noncurrent loans to loans | 1.7997% | 1,902 |
| Net loans and leases to total assets | 65.2628% | 2,872 |
| Net loans and leases to deposits | 78.7786% | 2,698 |
| Net loans and leases to core deposits | 80.5991% | 3,147 |
| Total domestic deposits to total assets | 82.8434% | 4,363 |
| Equity capital to assets | 11.2829% | 2,628 |
| Core capital (leverage) ratio | 10.7092% | 2,713 |
| Tier 1 risk-based capital ratio | 15.2117% | 3,522 |
| Total risk-based capital ratio | 16.4692% | 3,462 |
| Memoranda: | ||
| Average total assets | $317,965,000 | 2,054 |
| Average earning assets | $295,505,670 | 2,034 |
| Average equity | $35,560,000 | 1,968 |
| Average total loans | $208,809,670 | 1,988 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2807% | 2,591 |
| Cost of funding earning assets | 0.3250% | 4,792 |
| Net interest margin | 3.9557% | 1,905 |
| Noninterest income to average assets | 0.8413% | 1,598 |
| Noninterest expense to average assets | 2.9256% | 3,138 |
| Loan and lease loss provision to assets | 0.0957% | 2,330 |
| Net operating income to assets | 1.0414% | 2,037 |
| Return on assets (ROA) | 1.0440% | 2,104 |
| Pretax return on assets | 1.5025% | 1,422 |
| Return on Equity (ROE) | 9.3773% | 2,299 |
| Retained earnings to average equity (ytd only) | 3.7215% | 3,899 |
| Net charge-offs to loans | -0.0135% | 5,167 |
| Credit loss provision to net charge-offs | -1,085.7143% | 5,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9175% | 4,870 |
| Assets per employee ($millions) | 3.3810% | 5,188 |
| Cash dividends to net income (ytd only)* | 60.3136% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0024% | 1,512 |
| Loan loss allowance to noncurrent loans | 104.1434% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 1.4000% | 2,542 |
| Noncurrent loans to loans | 1.9227% | 1,962 |
| Net loans and leases to total assets | 63.7697% | 2,938 |
| Net loans and leases to deposits | 76.3558% | 2,775 |
| Net loans and leases to core deposits | 77.9749% | 3,208 |
| Total domestic deposits to total assets | 83.5165% | 4,446 |
| Equity capital to assets | 11.3113% | 2,407 |
| Core capital (leverage) ratio | 10.5890% | 2,821 |
| Tier 1 risk-based capital ratio | 15.4250% | 3,483 |
| Total risk-based capital ratio | 16.6833% | 3,433 |
| Memoranda: | ||
| Average total assets | $317,609,500 | 2,059 |
| Average earning assets | $295,370,000 | 2,044 |
| Average equity | $35,362,000 | 1,967 |
| Average total loans | $207,195,000 | 1,995 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6094% | 1,841 |
| Cost of funding earning assets | 0.3916% | 4,738 |
| Net interest margin | 4.2178% | 1,304 |
| Noninterest income to average assets | 1.0190% | 1,352 |
| Noninterest expense to average assets | 2.9920% | 3,080 |
| Loan and lease loss provision to assets | 0.3418% | 935 |
| Net operating income to assets | 1.1075% | 1,912 |
| Return on assets (ROA) | 1.1075% | 1,981 |
| Pretax return on assets | 1.5975% | 1,174 |
| Return on Equity (ROE) | 10.5695% | 1,902 |
| Retained earnings to average equity (ytd only) | 6.1850% | 1,863 |
| Net charge-offs to loans | 0.3570% | 1,891 |
| Credit loss provision to net charge-offs | 151.2195% | 1,535 |
| Earnings coverage of net charge-offs (x) | 8.5799% | 2,645 |
| Efficiency ratio | 59.9528% | 5,478 |
| Assets per employee ($millions) | 3.4493% | 4,994 |
| Cash dividends to net income (ytd only)* | 41.4823% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9134% | 1,755 |
| Loan loss allowance to noncurrent loans | 123.5837% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 1.1229% | 3,153 |
| Noncurrent loans to loans | 1.5483% | 2,572 |
| Net loans and leases to total assets | 64.1443% | 3,019 |
| Net loans and leases to deposits | 76.5549% | 2,908 |
| Net loans and leases to core deposits | 78.1390% | 3,339 |
| Total domestic deposits to total assets | 83.7887% | 4,249 |
| Equity capital to assets | 10.9599% | 2,649 |
| Core capital (leverage) ratio | 10.2983% | 3,153 |
| Tier 1 risk-based capital ratio | 14.6373% | 3,880 |
| Total risk-based capital ratio | 15.8942% | 3,816 |
| Memoranda: | ||
| Average total assets | $326,506,800 | 1,974 |
| Average earning assets | $302,860,400 | 1,956 |
| Average equity | $34,211,800 | 2,009 |
| Average total loans | $206,723,800 | 1,951 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5357% | 2,093 |
| Cost of funding earning assets | 0.4050% | 4,780 |
| Net interest margin | 4.1307% | 1,535 |
| Noninterest income to average assets | 1.1173% | 1,173 |
| Noninterest expense to average assets | 3.0086% | 2,966 |
| Loan and lease loss provision to assets | 0.3322% | 995 |
| Net operating income to assets | 1.1144% | 1,955 |
| Return on assets (ROA) | 1.1144% | 2,023 |
| Pretax return on assets | 1.6080% | 1,321 |
| Return on Equity (ROE) | 10.7566% | 1,902 |
| Retained earnings to average equity (ytd only) | 4.8701% | 3,177 |
| Net charge-offs to loans | 0.2777% | 2,162 |
| Credit loss provision to net charge-offs | 190.4429% | 1,270 |
| Earnings coverage of net charge-offs (x) | 11.1235% | 2,277 |
| Efficiency ratio | 60.0723% | 5,426 |
| Assets per employee ($millions) | 3.4269% | 4,998 |
| Cash dividends to net income (ytd only)* | 54.7245% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9250% | 1,925 |
| Loan loss allowance to noncurrent loans | 92.6335% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.4211% | 2,825 |
| Noncurrent loans to loans | 2.0781% | 2,156 |
| Net loans and leases to total assets | 64.3267% | 2,944 |
| Net loans and leases to deposits | 78.2382% | 2,620 |
| Net loans and leases to core deposits | 80.0579% | 3,127 |
| Total domestic deposits to total assets | 82.2190% | 4,856 |
| Equity capital to assets | 10.7507% | 3,012 |
| Core capital (leverage) ratio | 10.0895% | 3,543 |
| Tier 1 risk-based capital ratio | 14.1726% | 4,302 |
| Total risk-based capital ratio | 15.4292% | 4,245 |
| Memoranda: | ||
| Average total assets | $327,936,250 | 1,978 |
| Average earning assets | $304,186,750 | 1,959 |
| Average equity | $33,975,250 | 2,043 |
| Average total loans | $205,959,250 | 1,966 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4421% | 2,410 |
| Cost of funding earning assets | 0.4190% | 4,763 |
| Net interest margin | 4.0231% | 1,784 |
| Noninterest income to average assets | 1.1565% | 1,141 |
| Noninterest expense to average assets | 2.9944% | 3,017 |
| Loan and lease loss provision to assets | 0.3371% | 1,014 |
| Net operating income to assets | 1.0815% | 1,987 |
| Return on assets (ROA) | 1.0815% | 2,101 |
| Pretax return on assets | 1.5552% | 1,466 |
| Return on Equity (ROE) | 10.5669% | 1,986 |
| Retained earnings to average equity (ytd only) | 4.6636% | 3,288 |
| Net charge-offs to loans | 0.3201% | 1,902 |
| Credit loss provision to net charge-offs | 170.1220% | 1,387 |
| Earnings coverage of net charge-offs (x) | 9.5488% | 2,268 |
| Efficiency ratio | 60.5589% | 5,393 |
| Assets per employee ($millions) | 3.5032% | 4,845 |
| Cash dividends to net income (ytd only)* | 55.8659% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8584% | 2,234 |
| Loan loss allowance to noncurrent loans | 77.2119% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 1.6485% | 2,632 |
| Noncurrent loans to loans | 2.4069% | 1,956 |
| Net loans and leases to total assets | 63.3465% | 3,034 |
| Net loans and leases to deposits | 75.5774% | 2,940 |
| Net loans and leases to core deposits | 77.4425% | 3,362 |
| Total domestic deposits to total assets | 83.8168% | 4,399 |
| Equity capital to assets | 10.5778% | 3,196 |
| Core capital (leverage) ratio | 9.7438% | 3,872 |
| Tier 1 risk-based capital ratio | 13.9101% | 4,479 |
| Total risk-based capital ratio | 15.1659% | 4,447 |
| Memoranda: | ||
| Average total assets | $331,013,000 | 1,962 |
| Average earning assets | $306,926,330 | 1,951 |
| Average equity | $33,879,330 | 2,054 |
| Average total loans | $204,933,330 | 1,974 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3647% | 2,644 |
| Cost of funding earning assets | 0.4313% | 4,789 |
| Net interest margin | 3.9334% | 2,007 |
| Noninterest income to average assets | 1.1641% | 1,105 |
| Noninterest expense to average assets | 2.9019% | 3,335 |
| Loan and lease loss provision to assets | 0.3924% | 795 |
| Net operating income to assets | 1.0555% | 2,013 |
| Return on assets (ROA) | 1.0555% | 2,126 |
| Pretax return on assets | 1.5135% | 1,527 |
| Return on Equity (ROE) | 10.4817% | 1,881 |
| Retained earnings to average equity (ytd only) | 4.5599% | 3,495 |
| Net charge-offs to loans | 0.3756% | 1,517 |
| Credit loss provision to net charge-offs | 172.2513% | 1,226 |
| Earnings coverage of net charge-offs (x) | 8.3665% | 1,953 |
| Efficiency ratio | 59.6378% | 5,638 |
| Assets per employee ($millions) | 3.4490% | 5,091 |
| Cash dividends to net income (ytd only)* | 56.4972% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8532% | 2,435 |
| Loan loss allowance to noncurrent loans | 85.8898% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 1.4443% | 3,090 |
| Noncurrent loans to loans | 2.1576% | 2,440 |
| Net loans and leases to total assets | 59.7437% | 3,477 |
| Net loans and leases to deposits | 70.5197% | 3,393 |
| Net loans and leases to core deposits | 72.0918% | 3,807 |
| Total domestic deposits to total assets | 84.7192% | 4,172 |
| Equity capital to assets | 10.1541% | 3,953 |
| Core capital (leverage) ratio | 9.4539% | 4,156 |
| Tier 1 risk-based capital ratio | 13.9893% | 4,509 |
| Total risk-based capital ratio | 15.2451% | 4,471 |
| Memoranda: | ||
| Average total assets | $335,371,000 | 1,954 |
| Average earning assets | $310,674,500 | 1,956 |
| Average equity | $33,773,000 | 2,091 |
| Average total loans | $203,385,000 | 2,001 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9013% | 1,836 |
| Cost of funding earning assets | 0.5946% | 4,403 |
| Net interest margin | 4.3066% | 1,392 |
| Noninterest income to average assets | 1.0128% | 1,495 |
| Noninterest expense to average assets | 2.9187% | 3,570 |
| Loan and lease loss provision to assets | 0.3639% | 1,812 |
| Net operating income to assets | 1.1798% | 1,665 |
| Return on assets (ROA) | 1.1743% | 1,850 |
| Pretax return on assets | 1.6892% | 1,161 |
| Return on Equity (ROE) | 11.2939% | 1,715 |
| Retained earnings to average equity (ytd only) | 3.7121% | 3,604 |
| Net charge-offs to loans | 0.1579% | 4,117 |
| Credit loss provision to net charge-offs | 369.8718% | 663 |
| Earnings coverage of net charge-offs (x) | 20.9487% | 1,326 |
| Efficiency ratio | 57.5988% | 5,883 |
| Assets per employee ($millions) | 3.5388% | 4,927 |
| Cash dividends to net income (ytd only)* | 67.1321% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7901% | 2,620 |
| Loan loss allowance to noncurrent loans | 72.9096% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 1.6140% | 2,973 |
| Noncurrent loans to loans | 2.4552% | 2,161 |
| Net loans and leases to total assets | 59.3374% | 3,715 |
| Net loans and leases to deposits | 69.7863% | 3,737 |
| Net loans and leases to core deposits | 71.3212% | 4,130 |
| Total domestic deposits to total assets | 85.0273% | 3,851 |
| Equity capital to assets | 9.9870% | 4,182 |
| Core capital (leverage) ratio | 9.5800% | 3,994 |
| Tier 1 risk-based capital ratio | 13.8343% | 4,511 |
| Total risk-based capital ratio | 15.0891% | 4,461 |
| Memoranda: | ||
| Average total assets | $317,129,200 | 2,024 |
| Average earning assets | $292,107,600 | 2,023 |
| Average equity | $32,973,600 | 2,090 |
| Average total loans | $197,537,000 | 2,026 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9717% | 1,769 |
| Cost of funding earning assets | 0.6330% | 4,335 |
| Net interest margin | 4.3388% | 1,379 |
| Noninterest income to average assets | 0.8874% | 1,877 |
| Noninterest expense to average assets | 2.8871% | 3,649 |
| Loan and lease loss provision to assets | 0.3598% | 1,807 |
| Net operating income to assets | 1.1444% | 1,929 |
| Return on assets (ROA) | 1.1444% | 2,123 |
| Pretax return on assets | 1.6399% | 1,453 |
| Return on Equity (ROE) | 10.8904% | 1,997 |
| Retained earnings to average equity (ytd only) | 3.1725% | 4,639 |
| Net charge-offs to loans | 0.1815% | 3,666 |
| Credit loss provision to net charge-offs | 315.7303% | 847 |
| Earnings coverage of net charge-offs (x) | 17.5469% | 1,620 |
| Efficiency ratio | 58.0225% | 5,788 |
| Assets per employee ($millions) | 3.2697% | 5,505 |
| Cash dividends to net income (ytd only)* | 70.8690% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6788% | 3,217 |
| Loan loss allowance to noncurrent loans | 58.2843% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 1.9690% | 2,692 |
| Noncurrent loans to loans | 2.8803% | 1,948 |
| Net loans and leases to total assets | 63.5422% | 3,110 |
| Net loans and leases to deposits | 76.0431% | 2,981 |
| Net loans and leases to core deposits | 77.8911% | 3,476 |
| Total domestic deposits to total assets | 83.5608% | 4,407 |
| Equity capital to assets | 10.6910% | 3,619 |
| Core capital (leverage) ratio | 9.6753% | 4,000 |
| Tier 1 risk-based capital ratio | 13.7303% | 4,741 |
| Total risk-based capital ratio | 14.9838% | 4,687 |
| Memoranda: | ||
| Average total assets | $312,365,000 | 2,081 |
| Average earning assets | $287,939,750 | 2,080 |
| Average equity | $32,823,250 | 2,115 |
| Average total loans | $196,141,250 | 2,062 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0028% | 1,786 |
| Cost of funding earning assets | 0.6527% | 4,419 |
| Net interest margin | 4.3501% | 1,340 |
| Noninterest income to average assets | 0.8219% | 2,090 |
| Noninterest expense to average assets | 2.8369% | 3,880 |
| Loan and lease loss provision to assets | 0.3541% | 1,863 |
| Net operating income to assets | 1.1363% | 1,927 |
| Return on assets (ROA) | 1.1363% | 2,144 |
| Pretax return on assets | 1.6303% | 1,457 |
| Return on Equity (ROE) | 10.8763% | 2,029 |
| Retained earnings to average equity (ytd only) | 2.9240% | 4,689 |
| Net charge-offs to loans | 0.1490% | 3,720 |
| Credit loss provision to net charge-offs | 382.0690% | 783 |
| Earnings coverage of net charge-offs (x) | 21.4138% | 1,346 |
| Efficiency ratio | 57.7678% | 5,898 |
| Assets per employee ($millions) | 3.5103% | 4,957 |
| Cash dividends to net income (ytd only)* | 73.1159% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6378% | 3,471 |
| Loan loss allowance to noncurrent loans | 53.3478% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 2.0306% | 2,746 |
| Noncurrent loans to loans | 3.0701% | 1,914 |
| Net loans and leases to total assets | 60.8892% | 3,643 |
| Net loans and leases to deposits | 72.8990% | 3,469 |
| Net loans and leases to core deposits | 74.6004% | 3,945 |
| Total domestic deposits to total assets | 83.5254% | 4,518 |
| Equity capital to assets | 10.4241% | 3,777 |
| Core capital (leverage) ratio | 9.6950% | 3,845 |
| Tier 1 risk-based capital ratio | 13.7877% | 4,603 |
| Total risk-based capital ratio | 15.0405% | 4,574 |
| Memoranda: | ||
| Average total assets | $312,947,670 | 2,071 |
| Average earning assets | $287,719,000 | 2,073 |
| Average equity | $32,695,000 | 2,105 |
| Average total loans | $194,607,330 | 2,074 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0991% | 1,573 |
| Cost of funding earning assets | 0.6819% | 4,442 |
| Net interest margin | 4.4172% | 1,187 |
| Noninterest income to average assets | 0.8566% | 1,920 |
| Noninterest expense to average assets | 2.8164% | 3,965 |
| Loan and lease loss provision to assets | 0.3583% | 1,757 |
| Net operating income to assets | 1.2034% | 1,722 |
| Return on assets (ROA) | 1.2034% | 1,908 |
| Pretax return on assets | 1.7415% | 1,216 |
| Return on Equity (ROE) | 11.5052% | 1,837 |
| Retained earnings to average equity (ytd only) | 4.1380% | 4,111 |
| Net charge-offs to loans | 0.2081% | 2,880 |
| Credit loss provision to net charge-offs | 276.2376% | 1,057 |
| Earnings coverage of net charge-offs (x) | 16.1881% | 1,381 |
| Efficiency ratio | 56.2435% | 6,098 |
| Assets per employee ($millions) | 3.4796% | 5,164 |
| Cash dividends to net income (ytd only)* | 64.0342% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5486% | 3,950 |
| Loan loss allowance to noncurrent loans | 45.1397% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 2.3898% | 2,488 |
| Noncurrent loans to loans | 3.4306% | 1,825 |
| Net loans and leases to total assets | 60.3350% | 3,588 |
| Net loans and leases to deposits | 73.1976% | 3,248 |
| Net loans and leases to core deposits | 74.9327% | 3,757 |
| Total domestic deposits to total assets | 82.4275% | 5,151 |
| Equity capital to assets | 10.4252% | 3,588 |
| Core capital (leverage) ratio | 9.6219% | 3,885 |
| Tier 1 risk-based capital ratio | 13.8481% | 4,574 |
| Total risk-based capital ratio | 15.1001% | 4,548 |
| Memoranda: | ||
| Average total assets | $311,460,000 | 2,084 |
| Average earning assets | $286,244,000 | 2,090 |
| Average equity | $32,576,500 | 2,110 |
| Average total loans | $194,128,000 | 2,089 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5190% | 1,123 |
| Cost of funding earning assets | 0.8707% | 4,320 |
| Net interest margin | 4.6482% | 835 |
| Noninterest income to average assets | 5.1383% | 120 |
| Noninterest expense to average assets | 3.1210% | 3,130 |
| Loan and lease loss provision to assets | 0.4965% | 2,122 |
| Net operating income to assets | 3.6650% | 58 |
| Return on assets (ROA) | 3.6652% | 60 |
| Pretax return on assets | 5.7923% | 51 |
| Return on Equity (ROE) | 35.4678% | 24 |
| Retained earnings to average equity (ytd only) | 28.7676% | 14 |
| Net charge-offs to loans | 0.1660% | 4,821 |
| Credit loss provision to net charge-offs | 461.0932% | 490 |
| Earnings coverage of net charge-offs (x) | 58.4051% | 491 |
| Efficiency ratio | 32.5582% | 7,280 |
| Assets per employee ($millions) | 3.4804% | 5,066 |
| Cash dividends to net income (ytd only)* | 18.8911% | 3,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4231% | 4,361 |
| Loan loss allowance to noncurrent loans | 46.7537% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 2.2544% | 2,669 |
| Noncurrent loans to loans | 3.0438% | 2,128 |
| Net loans and leases to total assets | 62.4823% | 3,510 |
| Net loans and leases to deposits | 75.2757% | 3,300 |
| Net loans and leases to core deposits | 77.0589% | 3,818 |
| Total domestic deposits to total assets | 83.0046% | 4,748 |
| Equity capital to assets | 10.4938% | 3,544 |
| Core capital (leverage) ratio | 9.5226% | 3,987 |
| Tier 1 risk-based capital ratio | 13.2415% | 4,882 |
| Total risk-based capital ratio | 14.4917% | 4,863 |
| Memoranda: | ||
| Average total assets | $288,848,200 | 2,202 |
| Average earning assets | $265,412,600 | 2,202 |
| Average equity | $29,849,600 | 2,211 |
| Average total loans | $187,337,000 | 2,160 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2456% | 2,046 |
| Cost of funding earning assets | 0.9234% | 4,249 |
| Net interest margin | 4.3222% | 1,630 |
| Noninterest income to average assets | 6.6166% | 97 |
| Noninterest expense to average assets | 3.1271% | 3,065 |
| Loan and lease loss provision to assets | 0.1269% | 4,846 |
| Net operating income to assets | 4.5963% | 50 |
| Return on assets (ROA) | 4.5966% | 51 |
| Pretax return on assets | 7.3349% | 43 |
| Return on Equity (ROE) | 44.6691% | 18 |
| Retained earnings to average equity (ytd only) | 38.2734% | 15 |
| Net charge-offs to loans | 0.1743% | 4,408 |
| Credit loss provision to net charge-offs | 111.5702% | 2,941 |
| Earnings coverage of net charge-offs (x) | 65.5865% | 501 |
| Efficiency ratio | 28.9780% | 7,372 |
| Assets per employee ($millions) | 3.6186% | 4,711 |
| Cash dividends to net income (ytd only)* | 14.3179% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8538% | 6,714 |
| Loan loss allowance to noncurrent loans | 38.5436% | 5,716 |
| Noncurrent assets plus other real estate owned to assets | 1.7321% | 3,500 |
| Noncurrent loans to loans | 2.2153% | 3,091 |
| Net loans and leases to total assets | 64.9034% | 3,127 |
| Net loans and leases to deposits | 78.0775% | 2,968 |
| Net loans and leases to core deposits | 80.0369% | 3,632 |
| Total domestic deposits to total assets | 83.1269% | 4,629 |
| Equity capital to assets | 10.5999% | 3,572 |
| Core capital (leverage) ratio | 9.6034% | 3,984 |
| Tier 1 risk-based capital ratio | 12.9604% | 5,128 |
| Total risk-based capital ratio | 13.7249% | 5,502 |
| Memoranda: | ||
| Average total assets | $283,621,500 | 2,249 |
| Average earning assets | $260,630,250 | 2,240 |
| Average equity | $29,185,750 | 2,257 |
| Average total loans | $185,087,250 | 2,198 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2115% | 2,220 |
| Cost of funding earning assets | 0.9624% | 4,239 |
| Net interest margin | 4.2492% | 1,849 |
| Noninterest income to average assets | 9.6561% | 69 |
| Noninterest expense to average assets | 3.0595% | 3,391 |
| Loan and lease loss provision to assets | 0.0939% | 5,154 |
| Net operating income to assets | 6.4608% | 36 |
| Return on assets (ROA) | 6.4608% | 37 |
| Pretax return on assets | 10.4038% | 31 |
| Return on Equity (ROE) | 63.4833% | 12 |
| Retained earnings to average equity (ytd only) | 57.0945% | 10 |
| Net charge-offs to loans | 0.2228% | 3,791 |
| Credit loss provision to net charge-offs | 64.6766% | 4,213 |
| Earnings coverage of net charge-offs (x) | 72.2935% | 471 |
| Efficiency ratio | 22.1304% | 7,472 |
| Assets per employee ($millions) | 3.6075% | 4,665 |
| Cash dividends to net income (ytd only)* | 10.0637% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8130% | 6,845 |
| Loan loss allowance to noncurrent loans | 25.7981% | 6,481 |
| Noncurrent assets plus other real estate owned to assets | 2.7822% | 2,403 |
| Noncurrent loans to loans | 3.1516% | 2,284 |
| Net loans and leases to total assets | 64.4127% | 3,375 |
| Net loans and leases to deposits | 77.7753% | 3,159 |
| Net loans and leases to core deposits | 79.5257% | 3,855 |
| Total domestic deposits to total assets | 82.8190% | 4,841 |
| Equity capital to assets | 10.4471% | 3,578 |
| Core capital (leverage) ratio | 9.5099% | 3,943 |
| Tier 1 risk-based capital ratio | 12.8577% | 5,037 |
| Total risk-based capital ratio | 13.5814% | 5,476 |
| Memoranda: | ||
| Average total assets | $276,840,670 | 2,314 |
| Average earning assets | $254,167,000 | 2,294 |
| Average equity | $28,174,330 | 2,301 |
| Average total loans | $180,455,670 | 2,280 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2555% | 2,023 |
| Cost of funding earning assets | 0.9826% | 4,331 |
| Net interest margin | 4.2729% | 1,655 |
| Noninterest income to average assets | 19.5173% | 38 |
| Noninterest expense to average assets | 3.0878% | 3,304 |
| Loan and lease loss provision to assets | 0.0910% | 4,874 |
| Net operating income to assets | 12.4332% | 14 |
| Return on assets (ROA) | 12.4332% | 14 |
| Pretax return on assets | 20.2559% | 11 |
| Return on Equity (ROE) | 124.0594% | 7 |
| Retained earnings to average equity (ytd only) | 118.0062% | 5 |
| Net charge-offs to loans | 0.0743% | 4,194 |
| Credit loss provision to net charge-offs | 187.5000% | 1,564 |
| Earnings coverage of net charge-offs (x) | 419.2500% | 63 |
| Efficiency ratio | 12.9174% | 7,547 |
| Assets per employee ($millions) | 3.4930% | 5,013 |
| Cash dividends to net income (ytd only)* | 4.8792% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8727% | 6,767 |
| Loan loss allowance to noncurrent loans | 44.3256% | 5,346 |
| Noncurrent assets plus other real estate owned to assets | 1.7689% | 3,618 |
| Noncurrent loans to loans | 1.9689% | 3,614 |
| Net loans and leases to total assets | 64.9961% | 3,237 |
| Net loans and leases to deposits | 78.5119% | 2,975 |
| Net loans and leases to core deposits | 80.2315% | 3,716 |
| Total domestic deposits to total assets | 82.7850% | 5,001 |
| Equity capital to assets | 10.4923% | 3,181 |
| Core capital (leverage) ratio | 9.3696% | 4,015 |
| Tier 1 risk-based capital ratio | 12.9901% | 4,833 |
| Total risk-based capital ratio | 13.7744% | 5,224 |
| Memoranda: | ||
| Average total assets | $263,745,000 | 2,439 |
| Average earning assets | $241,803,500 | 2,430 |
| Average equity | $26,432,500 | 2,421 |
| Average total loans | $172,288,000 | 2,404 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7027% | 1,562 |
| Cost of funding earning assets | 1.2539% | 4,191 |
| Net interest margin | 4.4488% | 1,353 |
| Noninterest income to average assets | 1.0271% | 1,423 |
| Noninterest expense to average assets | 3.3241% | 2,658 |
| Loan and lease loss provision to assets | 0.2463% | 4,823 |
| Net operating income to assets | 1.1107% | 1,674 |
| Return on assets (ROA) | 1.1329% | 1,679 |
| Pretax return on assets | 1.5492% | 1,256 |
| Return on Equity (ROE) | 11.8217% | 1,358 |
| Retained earnings to average equity (ytd only) | 3.9064% | 3,129 |
| Net charge-offs to loans | 0.2534% | 4,769 |
| Credit loss provision to net charge-offs | 144.1253% | 2,583 |
| Earnings coverage of net charge-offs (x) | 10.3290% | 1,726 |
| Efficiency ratio | 64.0540% | 5,347 |
| Assets per employee ($millions) | 2.9562% | 6,199 |
| Cash dividends to net income (ytd only)* | 66.9555% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1147% | 5,899 |
| Loan loss allowance to noncurrent loans | 92.1169% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.9320% | 5,147 |
| Noncurrent loans to loans | 1.2101% | 4,707 |
| Net loans and leases to total assets | 64.2840% | 3,808 |
| Net loans and leases to deposits | 76.5315% | 3,757 |
| Net loans and leases to core deposits | 78.4402% | 4,402 |
| Total domestic deposits to total assets | 83.9969% | 4,368 |
| Equity capital to assets | 9.4164% | 4,525 |
| Core capital (leverage) ratio | 8.4616% | 5,433 |
| Tier 1 risk-based capital ratio | 11.4949% | 5,917 |
| Total risk-based capital ratio | 12.5099% | 6,110 |
| Memoranda: | ||
| Average total assets | $224,120,600 | 2,821 |
| Average earning assets | $204,640,000 | 2,810 |
| Average equity | $21,477,400 | 2,949 |
| Average total loans | $151,174,200 | 2,754 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7568% | 1,523 |
| Cost of funding earning assets | 1.3035% | 4,191 |
| Net interest margin | 4.4533% | 1,364 |
| Noninterest income to average assets | 0.9522% | 1,612 |
| Noninterest expense to average assets | 3.3551% | 2,419 |
| Loan and lease loss provision to assets | 0.1959% | 5,077 |
| Net operating income to assets | 1.0838% | 1,952 |
| Return on assets (ROA) | 1.1140% | 1,953 |
| Pretax return on assets | 1.5136% | 1,576 |
| Return on Equity (ROE) | 11.5722% | 1,626 |
| Retained earnings to average equity (ytd only) | 3.4797% | 4,005 |
| Net charge-offs to loans | 0.0106% | 6,518 |
| Credit loss provision to net charge-offs | 2,725.0000% | 110 |
| Earnings coverage of net charge-offs (x) | 232.0775% | 141 |
| Efficiency ratio | 65.4938% | 4,962 |
| Assets per employee ($millions) | 2.7514% | 6,688 |
| Cash dividends to net income (ytd only)* | 69.9302% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1862% | 5,556 |
| Loan loss allowance to noncurrent loans | 110.7252% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.8642% | 5,367 |
| Noncurrent loans to loans | 1.0713% | 5,094 |
| Net loans and leases to total assets | 67.9187% | 3,237 |
| Net loans and leases to deposits | 76.7040% | 4,050 |
| Net loans and leases to core deposits | 78.6780% | 4,716 |
| Total domestic deposits to total assets | 88.5464% | 1,651 |
| Equity capital to assets | 9.8230% | 4,383 |
| Core capital (leverage) ratio | 8.4273% | 5,648 |
| Tier 1 risk-based capital ratio | 11.5053% | 5,931 |
| Total risk-based capital ratio | 12.6288% | 6,017 |
| Memoranda: | ||
| Average total assets | $222,504,250 | 2,878 |
| Average earning assets | $203,440,750 | 2,880 |
| Average equity | $21,418,500 | 2,992 |
| Average total loans | $151,492,500 | 2,786 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7386% | 1,604 |
| Cost of funding earning assets | 1.3482% | 4,200 |
| Net interest margin | 4.3904% | 1,475 |
| Noninterest income to average assets | 0.8085% | 2,074 |
| Noninterest expense to average assets | 3.2844% | 2,610 |
| Loan and lease loss provision to assets | 0.1232% | 5,660 |
| Net operating income to assets | 1.0439% | 2,035 |
| Return on assets (ROA) | 1.0891% | 1,963 |
| Pretax return on assets | 1.4686% | 1,643 |
| Return on Equity (ROE) | 11.3919% | 1,627 |
| Retained earnings to average equity (ytd only) | 2.9256% | 4,271 |
| Net charge-offs to loans | 0.0133% | 6,155 |
| Credit loss provision to net charge-offs | 1,370.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 170.2000% | 207 |
| Efficiency ratio | 66.8659% | 4,800 |
| Assets per employee ($millions) | 2.9799% | 6,179 |
| Cash dividends to net income (ytd only)* | 74.3187% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0573% | 6,156 |
| Loan loss allowance to noncurrent loans | 91.2605% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.8685% | 5,387 |
| Noncurrent loans to loans | 1.1586% | 5,022 |
| Net loans and leases to total assets | 68.2066% | 3,311 |
| Net loans and leases to deposits | 78.3732% | 3,902 |
| Net loans and leases to core deposits | 80.4054% | 4,646 |
| Total domestic deposits to total assets | 87.0280% | 2,518 |
| Equity capital to assets | 9.5563% | 4,623 |
| Core capital (leverage) ratio | 8.4060% | 5,573 |
| Tier 1 risk-based capital ratio | 11.1554% | 6,089 |
| Total risk-based capital ratio | 12.1471% | 6,338 |
| Memoranda: | ||
| Average total assets | $222,384,000 | 2,903 |
| Average earning assets | $202,941,000 | 2,900 |
| Average equity | $21,260,670 | 3,008 |
| Average total loans | $150,928,670 | 2,817 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7031% | 1,765 |
| Cost of funding earning assets | 1.3897% | 4,245 |
| Net interest margin | 4.3135% | 1,649 |
| Noninterest income to average assets | 0.7826% | 2,106 |
| Noninterest expense to average assets | 3.2962% | 2,543 |
| Loan and lease loss provision to assets | 0.1082% | 5,543 |
| Net operating income to assets | 0.9773% | 2,271 |
| Return on assets (ROA) | 1.0693% | 2,008 |
| Pretax return on assets | 1.4299% | 1,692 |
| Return on Equity (ROE) | 11.1823% | 1,725 |
| Retained earnings to average equity (ytd only) | 1.7537% | 5,064 |
| Net charge-offs to loans | -0.0482% | 7,341 |
| Credit loss provision to net charge-offs | -333.3333% | 6,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5802% | 4,611 |
| Assets per employee ($millions) | 2.9200% | 6,398 |
| Cash dividends to net income (ytd only)* | 84.3170% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 6,195 |
| Loan loss allowance to noncurrent loans | 84.4920% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.9767% | 5,196 |
| Noncurrent loans to loans | 1.2522% | 4,888 |
| Net loans and leases to total assets | 67.4676% | 3,513 |
| Net loans and leases to deposits | 79.7319% | 3,705 |
| Net loans and leases to core deposits | 82.0813% | 4,478 |
| Total domestic deposits to total assets | 84.6181% | 3,850 |
| Equity capital to assets | 9.7065% | 4,221 |
| Core capital (leverage) ratio | 8.3398% | 5,667 |
| Tier 1 risk-based capital ratio | 11.1921% | 5,973 |
| Total risk-based capital ratio | 12.1707% | 6,213 |
| Memoranda: | ||
| Average total assets | $221,828,000 | 2,966 |
| Average earning assets | $202,064,500 | 2,963 |
| Average equity | $21,212,000 | 3,043 |
| Average total loans | $149,359,000 | 2,914 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9734% | 1,968 |
| Cost of funding earning assets | 1.6993% | 4,515 |
| Net interest margin | 4.2741% | 1,802 |
| Noninterest income to average assets | 1.0196% | 1,505 |
| Noninterest expense to average assets | 3.4264% | 2,591 |
| Loan and lease loss provision to assets | 0.1494% | 6,169 |
| Net operating income to assets | 1.0182% | 1,781 |
| Return on assets (ROA) | 1.0242% | 1,808 |
| Pretax return on assets | 1.3514% | 1,553 |
| Return on Equity (ROE) | 10.6692% | 1,505 |
| Retained earnings to average equity (ytd only) | 1.0918% | 4,278 |
| Net charge-offs to loans | 0.2272% | 5,197 |
| Credit loss provision to net charge-offs | 96.1538% | 5,769 |
| Earnings coverage of net charge-offs (x) | 9.6095% | 1,777 |
| Efficiency ratio | 68.3050% | 4,962 |
| Assets per employee ($millions) | 2.9955% | 6,239 |
| Cash dividends to net income (ytd only)* | 89.7666% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0054% | 6,342 |
| Loan loss allowance to noncurrent loans | 66.1383% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 1.1128% | 4,865 |
| Noncurrent loans to loans | 1.5202% | 4,373 |
| Net loans and leases to total assets | 65.8260% | 4,198 |
| Net loans and leases to deposits | 77.7555% | 4,428 |
| Net loans and leases to core deposits | 90.0611% | 5,118 |
| Total domestic deposits to total assets | 84.6576% | 3,729 |
| Equity capital to assets | 9.4218% | 4,522 |
| Core capital (leverage) ratio | 8.3036% | 5,608 |
| Tier 1 risk-based capital ratio | 11.1402% | 5,791 |
| Total risk-based capital ratio | 12.0727% | 6,062 |
| Memoranda: | ||
| Average total assets | $217,545,800 | 2,976 |
| Average earning assets | $198,496,000 | 2,987 |
| Average equity | $20,882,600 | 3,087 |
| Average total loans | $148,752,800 | 2,937 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0341% | 1,902 |
| Cost of funding earning assets | 1.7539% | 4,620 |
| Net interest margin | 4.2803% | 1,784 |
| Noninterest income to average assets | 1.0752% | 1,372 |
| Noninterest expense to average assets | 3.4363% | 2,459 |
| Loan and lease loss provision to assets | 0.1668% | 5,690 |
| Net operating income to assets | 1.0573% | 1,875 |
| Return on assets (ROA) | 1.0573% | 1,935 |
| Pretax return on assets | 1.3854% | 1,739 |
| Return on Equity (ROE) | 10.9616% | 1,631 |
| Retained earnings to average equity (ytd only) | 1.3518% | 4,566 |
| Net charge-offs to loans | 0.2468% | 4,505 |
| Credit loss provision to net charge-offs | 98.1818% | 5,209 |
| Earnings coverage of net charge-offs (x) | 9.1345% | 2,146 |
| Efficiency ratio | 67.5461% | 5,070 |
| Assets per employee ($millions) | 2.9121% | 6,375 |
| Cash dividends to net income (ytd only)* | 87.6679% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 6,189 |
| Loan loss allowance to noncurrent loans | 77.1984% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 1.0261% | 5,027 |
| Noncurrent loans to loans | 1.3147% | 4,743 |
| Net loans and leases to total assets | 67.4292% | 4,083 |
| Net loans and leases to deposits | 80.4350% | 4,311 |
| Net loans and leases to core deposits | 93.8151% | 5,031 |
| Total domestic deposits to total assets | 83.8306% | 3,801 |
| Equity capital to assets | 9.7735% | 4,386 |
| Core capital (leverage) ratio | 8.4142% | 5,648 |
| Tier 1 risk-based capital ratio | 11.2659% | 5,666 |
| Total risk-based capital ratio | 12.2168% | 5,949 |
| Memoranda: | ||
| Average total assets | $215,767,500 | 3,018 |
| Average earning assets | $197,272,500 | 3,022 |
| Average equity | $20,811,500 | 3,126 |
| Average total loans | $148,594,500 | 2,971 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0544% | 1,965 |
| Cost of funding earning assets | 1.7931% | 4,799 |
| Net interest margin | 4.2614% | 1,776 |
| Noninterest income to average assets | 1.1373% | 1,216 |
| Noninterest expense to average assets | 3.4725% | 2,422 |
| Loan and lease loss provision to assets | 0.1861% | 5,164 |
| Net operating income to assets | 1.0405% | 1,973 |
| Return on assets (ROA) | 1.0405% | 2,049 |
| Pretax return on assets | 1.3672% | 1,812 |
| Return on Equity (ROE) | 10.8368% | 1,745 |
| Retained earnings to average equity (ytd only) | 1.1438% | 4,696 |
| Net charge-offs to loans | 0.2383% | 4,006 |
| Credit loss provision to net charge-offs | 112.9944% | 4,104 |
| Earnings coverage of net charge-offs (x) | 9.4294% | 2,130 |
| Efficiency ratio | 67.7407% | 5,203 |
| Assets per employee ($millions) | 2.8837% | 6,434 |
| Cash dividends to net income (ytd only)* | 89.4454% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0488% | 5,920 |
| Loan loss allowance to noncurrent loans | 109.7004% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.8665% | 5,257 |
| Noncurrent loans to loans | 0.9560% | 5,312 |
| Net loans and leases to total assets | 67.0961% | 4,337 |
| Net loans and leases to deposits | 77.6029% | 4,933 |
| Net loans and leases to core deposits | 89.5129% | 5,571 |
| Total domestic deposits to total assets | 86.4608% | 2,528 |
| Equity capital to assets | 9.5776% | 4,515 |
| Core capital (leverage) ratio | 8.4354% | 5,555 |
| Tier 1 risk-based capital ratio | 11.2971% | 5,598 |
| Total risk-based capital ratio | 12.2753% | 5,779 |
| Memoranda: | ||
| Average total assets | $214,887,670 | 3,043 |
| Average earning assets | $196,087,670 | 3,057 |
| Average equity | $20,633,330 | 3,155 |
| Average total loans | $148,532,670 | 3,012 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1328% | 1,820 |
| Cost of funding earning assets | 1.8327% | 4,959 |
| Net interest margin | 4.3002% | 1,599 |
| Noninterest income to average assets | 1.1261% | 1,164 |
| Noninterest expense to average assets | 3.3913% | 2,384 |
| Loan and lease loss provision to assets | 0.2241% | 4,214 |
| Net operating income to assets | 1.0813% | 2,026 |
| Return on assets (ROA) | 1.0813% | 2,157 |
| Pretax return on assets | 1.4323% | 1,877 |
| Return on Equity (ROE) | 11.2465% | 1,898 |
| Retained earnings to average equity (ytd only) | 1.5345% | 4,993 |
| Net charge-offs to loans | 0.2221% | 3,306 |
| Credit loss provision to net charge-offs | 144.5783% | 2,849 |
| Earnings coverage of net charge-offs (x) | 10.6867% | 1,933 |
| Efficiency ratio | 65.8528% | 5,354 |
| Assets per employee ($millions) | 2.7731% | 6,707 |
| Cash dividends to net income (ytd only)* | 86.3558% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 5,845 |
| Loan loss allowance to noncurrent loans | 90.1278% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 0.9685% | 4,774 |
| Noncurrent loans to loans | 1.1581% | 4,669 |
| Net loans and leases to total assets | 68.9086% | 3,938 |
| Net loans and leases to deposits | 80.8095% | 4,490 |
| Net loans and leases to core deposits | 93.1390% | 5,241 |
| Total domestic deposits to total assets | 85.2729% | 3,078 |
| Equity capital to assets | 9.7292% | 4,335 |
| Core capital (leverage) ratio | 8.4104% | 5,701 |
| Tier 1 risk-based capital ratio | 10.9472% | 5,949 |
| Total risk-based capital ratio | 11.9078% | 6,142 |
| Memoranda: | ||
| Average total assets | $214,194,000 | 3,067 |
| Average earning assets | $195,341,500 | 3,079 |
| Average equity | $20,593,000 | 3,169 |
| Average total loans | $149,474,000 | 3,012 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6205% | 2,383 |
| Cost of funding earning assets | 2.2156% | 5,528 |
| Net interest margin | 4.4049% | 1,671 |
| Noninterest income to average assets | 0.7946% | 2,549 |
| Noninterest expense to average assets | 3.3354% | 2,855 |
| Loan and lease loss provision to assets | 0.1615% | 5,314 |
| Net operating income to assets | 1.0209% | 2,470 |
| Return on assets (ROA) | 1.0213% | 2,355 |
| Pretax return on assets | 1.3003% | 2,306 |
| Return on Equity (ROE) | 10.8055% | 1,968 |
| Retained earnings to average equity (ytd only) | 1.8876% | 4,054 |
| Net charge-offs to loans | 0.1732% | 4,466 |
| Credit loss provision to net charge-offs | 135.2941% | 3,942 |
| Earnings coverage of net charge-offs (x) | 12.2392% | 2,270 |
| Efficiency ratio | 68.1277% | 4,704 |
| Assets per employee ($millions) | 2.7903% | 6,577 |
| Cash dividends to net income (ytd only)* | 82.5309% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 5,959 |
| Loan loss allowance to noncurrent loans | 86.5714% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 0.9769% | 4,391 |
| Noncurrent loans to loans | 1.1647% | 4,198 |
| Net loans and leases to total assets | 69.2273% | 4,203 |
| Net loans and leases to deposits | 83.1083% | 4,565 |
| Net loans and leases to core deposits | 94.7406% | 5,383 |
| Total domestic deposits to total assets | 83.2977% | 3,654 |
| Equity capital to assets | 9.4999% | 4,697 |
| Core capital (leverage) ratio | 8.3378% | 5,875 |
| Tier 1 risk-based capital ratio | 10.8052% | 5,908 |
| Total risk-based capital ratio | 11.7368% | 6,103 |
| Memoranda: | ||
| Average total assets | $213,559,600 | 2,957 |
| Average earning assets | $194,033,400 | 2,978 |
| Average equity | $20,184,200 | 3,201 |
| Average total loans | $147,192,000 | 2,974 |