Home > Capital Bank > Performance and Condition Ratios
Capital Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3245% | 1,446 |
| Cost of funding earning assets | 1.0571% | 3,178 |
| Net interest margin | 4.2673% | 851 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.8305% | 1,428 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.2665% | 1,503 |
| Return on assets (ROA) | 1.2665% | 1,475 |
| Pretax return on assets | 1.6029% | 1,222 |
| Return on Equity (ROE) | 13.4600% | 1,615 |
| Retained earnings to average equity (ytd only) | 6.7919% | 1,961 |
| Net charge-offs to loans | 0.0797% | 1,065 |
| Credit loss provision to net charge-offs | 108.3333% | 1,765 |
| Earnings coverage of net charge-offs (x) | 25.2682% | 1,736 |
| Efficiency ratio | 62.8494% | 2,747 |
| Assets per employee ($millions) | 6.3642% | 2,504 |
| Cash dividends to net income (ytd only)* | 49.5303% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 2,056 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 3,685 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 83.5600% | 305 |
| Net loans and leases to deposits | 93.9679% | 942 |
| Net loans and leases to core deposits | 115.3992% | 766 |
| Total domestic deposits to total assets | 88.9300% | 1,087 |
| Equity capital to assets | 9.6029% | 2,271 |
| Core capital (leverage) ratio | 10.3070% | 2,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6689% | 1,996 |
| Memoranda: | ||
| Average total assets | $579,932,000 | 1,525 |
| Average earning assets | $553,107,600 | 1,488 |
| Average equity | $54,579,600 | 1,500 |
| Average total loans | $481,715,000 | 1,271 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2561% | 1,349 |
| Cost of funding earning assets | 0.9048% | 3,261 |
| Net interest margin | 4.3513% | 749 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.8427% | 1,339 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.3168% | 1,508 |
| Return on assets (ROA) | 1.3168% | 1,492 |
| Pretax return on assets | 1.6664% | 1,226 |
| Return on Equity (ROE) | 14.0600% | 1,639 |
| Retained earnings to average equity (ytd only) | 8.2839% | 1,867 |
| Net charge-offs to loans | 0.1048% | 758 |
| Credit loss provision to net charge-offs | 82.6667% | 1,747 |
| Earnings coverage of net charge-offs (x) | 20.0320% | 1,816 |
| Efficiency ratio | 62.0855% | 2,705 |
| Assets per employee ($millions) | 6.1697% | 2,598 |
| Cash dividends to net income (ytd only)* | 41.1021% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 2,151 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 3,719 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 84.8700% | 223 |
| Net loans and leases to deposits | 97.1218% | 669 |
| Net loans and leases to core deposits | 111.9459% | 801 |
| Total domestic deposits to total assets | 87.3800% | 1,771 |
| Equity capital to assets | 9.4678% | 2,117 |
| Core capital (leverage) ratio | 10.3761% | 2,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8730% | 1,943 |
| Memoranda: | ||
| Average total assets | $576,947,250 | 1,535 |
| Average earning assets | $550,842,000 | 1,491 |
| Average equity | $54,015,250 | 1,503 |
| Average total loans | $476,941,000 | 1,278 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1245% | 1,328 |
| Cost of funding earning assets | 0.7470% | 3,358 |
| Net interest margin | 4.3776% | 723 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.8131% | 1,391 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.3678% | 1,408 |
| Return on assets (ROA) | 1.3678% | 1,389 |
| Pretax return on assets | 1.7308% | 1,147 |
| Return on Equity (ROE) | 14.6600% | 1,537 |
| Retained earnings to average equity (ytd only) | 5.9764% | 2,631 |
| Net charge-offs to loans | 0.1574% | 497 |
| Credit loss provision to net charge-offs | 41.5094% | 1,708 |
| Earnings coverage of net charge-offs (x) | 13.8895% | 1,893 |
| Efficiency ratio | 61.2061% | 2,818 |
| Assets per employee ($millions) | 6.1671% | 2,570 |
| Cash dividends to net income (ytd only)* | 59.2461% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 2,197 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 3,718 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 82.6200% | 365 |
| Net loans and leases to deposits | 93.9938% | 866 |
| Net loans and leases to core deposits | 104.3485% | 1,039 |
| Total domestic deposits to total assets | 87.8900% | 1,647 |
| Equity capital to assets | 9.3928% | 2,235 |
| Core capital (leverage) ratio | 10.0633% | 2,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8035% | 1,980 |
| Memoranda: | ||
| Average total assets | $578,003,333 | 1,535 |
| Average earning assets | $552,909,667 | 1,488 |
| Average equity | $53,912,333 | 1,508 |
| Average total loans | $471,559,000 | 1,274 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0270% | 1,179 |
| Cost of funding earning assets | 0.5838% | 3,426 |
| Net interest margin | 4.4432% | 636 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.7906% | 1,454 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4787% | 1,224 |
| Return on assets (ROA) | 1.4787% | 1,205 |
| Pretax return on assets | 1.8710% | 950 |
| Return on Equity (ROE) | 15.9100% | 1,376 |
| Retained earnings to average equity (ytd only) | 15.9086% | 697 |
| Net charge-offs to loans | 0.0034% | 1,882 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 678.5000% | 170 |
| Efficiency ratio | 59.8639% | 2,972 |
| Assets per employee ($millions) | 6.0567% | 2,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3148% | 1,968 |
| Loan loss allowance to noncurrent loans | 22,914.8148% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 3,857 |
| Noncurrent loans to loans | 0.0057% | 3,801 |
| Net loans and leases to total assets | 80.7100% | 478 |
| Net loans and leases to deposits | 92.3433% | 896 |
| Net loans and leases to core deposits | 100.9248% | 1,048 |
| Total domestic deposits to total assets | 87.4000% | 2,133 |
| Equity capital to assets | 9.5631% | 2,094 |
| Core capital (leverage) ratio | 10.1464% | 2,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0582% | 1,957 |
| Memoranda: | ||
| Average total assets | $580,236,000 | 1,552 |
| Average earning assets | $556,355,500 | 1,499 |
| Average equity | $53,933,000 | 1,518 |
| Average total loans | $467,435,000 | 1,295 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4374% | 822 |
| Cost of funding earning assets | 0.2779% | 3,062 |
| Net interest margin | 4.1595% | 593 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.6782% | 1,613 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.2781% | 1,508 |
| Return on assets (ROA) | 1.2781% | 1,462 |
| Pretax return on assets | 1.6215% | 1,110 |
| Return on Equity (ROE) | 14.5400% | 1,389 |
| Retained earnings to average equity (ytd only) | 10.2038% | 1,096 |
| Net charge-offs to loans | -0.0087% | 3,769 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.1240% | 2,888 |
| Assets per employee ($millions) | 6.3596% | 2,456 |
| Cash dividends to net income (ytd only)* | 29.8036% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1428% | 2,683 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 78.4500% | 756 |
| Net loans and leases to deposits | 88.7464% | 1,125 |
| Net loans and leases to core deposits | 93.9492% | 1,299 |
| Total domestic deposits to total assets | 88.4000% | 1,932 |
| Equity capital to assets | 9.0313% | 2,338 |
| Core capital (leverage) ratio | 9.6505% | 2,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6022% | 2,125 |
| Memoranda: | ||
| Average total assets | $589,648,000 | 1,513 |
| Average earning assets | $566,340,200 | 1,462 |
| Average equity | $51,843,600 | 1,569 |
| Average total loans | $450,527,400 | 1,271 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2877% | 757 |
| Cost of funding earning assets | 0.2345% | 2,876 |
| Net interest margin | 4.0532% | 572 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.6590% | 1,566 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.1930% | 1,723 |
| Return on assets (ROA) | 1.1930% | 1,699 |
| Pretax return on assets | 1.5143% | 1,378 |
| Return on Equity (ROE) | 13.6600% | 1,521 |
| Retained earnings to average equity (ytd only) | 10.7580% | 1,118 |
| Net charge-offs to loans | -0.0140% | 3,849 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.2497% | 2,799 |
| Assets per employee ($millions) | 6.4034% | 2,405 |
| Cash dividends to net income (ytd only)* | 21.2448% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1502% | 2,794 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 76.0000% | 914 |
| Net loans and leases to deposits | 85.2082% | 1,219 |
| Net loans and leases to core deposits | 90.3839% | 1,275 |
| Total domestic deposits to total assets | 89.1900% | 2,011 |
| Equity capital to assets | 8.7499% | 2,377 |
| Core capital (leverage) ratio | 9.3913% | 3,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4465% | 2,290 |
| Memoranda: | ||
| Average total assets | $590,788,500 | 1,512 |
| Average earning assets | $567,409,500 | 1,461 |
| Average equity | $51,594,250 | 1,602 |
| Average total loans | $447,082,750 | 1,272 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1722% | 675 |
| Cost of funding earning assets | 0.2251% | 2,583 |
| Net interest margin | 3.9472% | 560 |
| Noninterest income to average assets | 0.3771% | 2,892 |
| Noninterest expense to average assets | 2.6072% | 1,618 |
| Loan and lease loss provision to assets | 0.0988% | 1,015 |
| Net operating income to assets | 1.1487% | 1,606 |
| Return on assets (ROA) | 1.1487% | 1,588 |
| Pretax return on assets | 1.4569% | 1,292 |
| Return on Equity (ROE) | 13.1613% | 1,338 |
| Retained earnings to average equity (ytd only) | 8.7937% | 1,346 |
| Net charge-offs to loans | -0.0216% | 3,908 |
| Credit loss provision to net charge-offs | -606.2500% | 3,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6305% | 2,964 |
| Assets per employee ($millions) | 6.5359% | 2,284 |
| Cash dividends to net income (ytd only)* | 33.1856% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 3,073 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 75.9191% | 737 |
| Net loans and leases to deposits | 84.8670% | 1,062 |
| Net loans and leases to core deposits | 90.8293% | 1,071 |
| Total domestic deposits to total assets | 89.4566% | 1,971 |
| Equity capital to assets | 8.5078% | 2,758 |
| Core capital (leverage) ratio | 9.1655% | 3,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1610% | 2,431 |
| Memoranda: | ||
| Average total assets | $589,213,333 | 1,525 |
| Average earning assets | $565,116,000 | 1,481 |
| Average equity | $51,423,333 | 1,645 |
| Average total loans | $443,500,333 | 1,276 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0965% | 646 |
| Cost of funding earning assets | 0.2260% | 2,453 |
| Net interest margin | 3.8705% | 540 |
| Noninterest income to average assets | 0.3513% | 2,991 |
| Noninterest expense to average assets | 2.5933% | 1,630 |
| Loan and lease loss provision to assets | 0.1337% | 608 |
| Net operating income to assets | 1.0572% | 1,664 |
| Return on assets (ROA) | 1.0572% | 1,656 |
| Pretax return on assets | 1.3396% | 1,410 |
| Return on Equity (ROE) | 11.9613% | 1,324 |
| Retained earnings to average equity (ytd only) | 11.9613% | 610 |
| Net charge-offs to loans | 0.0027% | 1,692 |
| Credit loss provision to net charge-offs | 6,533.3333% | 70 |
| Earnings coverage of net charge-offs (x) | 720.0000% | 132 |
| Efficiency ratio | 63.7705% | 3,056 |
| Assets per employee ($millions) | 6.2505% | 2,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 3,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 73.9585% | 662 |
| Net loans and leases to deposits | 83.2895% | 932 |
| Net loans and leases to core deposits | 89.8997% | 930 |
| Total domestic deposits to total assets | 88.7969% | 2,170 |
| Equity capital to assets | 8.8047% | 2,871 |
| Core capital (leverage) ratio | 9.1591% | 3,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6134% | 2,376 |
| Memoranda: | ||
| Average total assets | $586,435,000 | 1,542 |
| Average earning assets | $562,926,000 | 1,494 |
| Average equity | $51,834,000 | 1,683 |
| Average total loans | $436,917,500 | 1,276 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6232% | 482 |
| Cost of funding earning assets | 0.3075% | 2,329 |
| Net interest margin | 4.3157% | 393 |
| Noninterest income to average assets | 0.4698% | 2,730 |
| Noninterest expense to average assets | 2.7864% | 1,392 |
| Loan and lease loss provision to assets | 0.0829% | 1,484 |
| Net operating income to assets | 1.3705% | 1,375 |
| Return on assets (ROA) | 1.3993% | 1,334 |
| Pretax return on assets | 1.7745% | 969 |
| Return on Equity (ROE) | 15.6809% | 809 |
| Retained earnings to average equity (ytd only) | 11.5809% | 599 |
| Net charge-offs to loans | 0.0113% | 2,139 |
| Credit loss provision to net charge-offs | 938.7755% | 556 |
| Earnings coverage of net charge-offs (x) | 206.2041% | 529 |
| Efficiency ratio | 60.4772% | 3,085 |
| Assets per employee ($millions) | 6.2938% | 2,495 |
| Cash dividends to net income (ytd only)* | 26.1463% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1015% | 3,348 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 73.3840% | 717 |
| Net loans and leases to deposits | 82.2355% | 1,043 |
| Net loans and leases to core deposits | 89.0349% | 1,009 |
| Total domestic deposits to total assets | 89.2363% | 1,389 |
| Equity capital to assets | 8.8731% | 3,744 |
| Core capital (leverage) ratio | 8.9832% | 3,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6659% | 2,378 |
| Memoranda: | ||
| Average total assets | $554,865,400 | 1,559 |
| Average earning assets | $531,967,600 | 1,512 |
| Average equity | $49,512,400 | 1,786 |
| Average total loans | $434,846,600 | 1,297 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7499% | 446 |
| Cost of funding earning assets | 0.3302% | 2,296 |
| Net interest margin | 4.4197% | 363 |
| Noninterest income to average assets | 0.4217% | 2,971 |
| Noninterest expense to average assets | 2.7784% | 1,391 |
| Loan and lease loss provision to assets | 0.1120% | 1,079 |
| Net operating income to assets | 1.3917% | 1,572 |
| Return on assets (ROA) | 1.4306% | 1,512 |
| Pretax return on assets | 1.8136% | 1,135 |
| Return on Equity (ROE) | 16.0084% | 948 |
| Retained earnings to average equity (ytd only) | 13.4566% | 573 |
| Net charge-offs to loans | 0.0126% | 1,867 |
| Credit loss provision to net charge-offs | 1,121.9512% | 485 |
| Earnings coverage of net charge-offs (x) | 187.8537% | 581 |
| Efficiency ratio | 59.6881% | 3,028 |
| Assets per employee ($millions) | 6.0311% | 2,664 |
| Cash dividends to net income (ytd only)* | 15.9401% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0813% | 3,527 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1501% | 3,109 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 76.5125% | 507 |
| Net loans and leases to deposits | 85.2329% | 872 |
| Net loans and leases to core deposits | 92.4302% | 905 |
| Total domestic deposits to total assets | 89.7688% | 878 |
| Equity capital to assets | 8.9978% | 3,835 |
| Core capital (leverage) ratio | 9.0229% | 3,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4306% | 2,570 |
| Memoranda: | ||
| Average total assets | $547,251,750 | 1,588 |
| Average earning assets | $524,156,500 | 1,545 |
| Average equity | $48,906,500 | 1,823 |
| Average total loans | $434,979,500 | 1,319 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8645% | 431 |
| Cost of funding earning assets | 0.3661% | 2,174 |
| Net interest margin | 4.4984% | 353 |
| Noninterest income to average assets | 0.4017% | 3,102 |
| Noninterest expense to average assets | 2.9260% | 1,110 |
| Loan and lease loss provision to assets | 0.1708% | 677 |
| Net operating income to assets | 1.2647% | 1,978 |
| Return on assets (ROA) | 1.3240% | 1,856 |
| Pretax return on assets | 1.6778% | 1,534 |
| Return on Equity (ROE) | 14.8508% | 1,201 |
| Retained earnings to average equity (ytd only) | 10.9528% | 1,137 |
| Net charge-offs to loans | -0.0130% | 3,791 |
| Credit loss provision to net charge-offs | -1,642.8571% | 3,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2610% | 2,693 |
| Assets per employee ($millions) | 5.7098% | 2,886 |
| Cash dividends to net income (ytd only)* | 26.2479% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0866% | 3,474 |
| Loan loss allowance to noncurrent loans | 4,459.6330% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.3097% | 2,371 |
| Noncurrent loans to loans | 0.0244% | 4,098 |
| Net loans and leases to total assets | 79.8946% | 326 |
| Net loans and leases to deposits | 88.4532% | 753 |
| Net loans and leases to core deposits | 96.1762% | 795 |
| Total domestic deposits to total assets | 90.3242% | 636 |
| Equity capital to assets | 8.8416% | 3,931 |
| Core capital (leverage) ratio | 8.8498% | 3,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8902% | 2,750 |
| Memoranda: | ||
| Average total assets | $538,685,333 | 1,603 |
| Average earning assets | $514,666,333 | 1,561 |
| Average equity | $48,024,333 | 1,829 |
| Average total loans | $432,249,000 | 1,324 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9532% | 377 |
| Cost of funding earning assets | 0.4145% | 1,980 |
| Net interest margin | 4.5387% | 335 |
| Noninterest income to average assets | 0.3495% | 3,349 |
| Noninterest expense to average assets | 2.8687% | 1,214 |
| Loan and lease loss provision to assets | 0.1823% | 676 |
| Net operating income to assets | 1.2856% | 1,870 |
| Return on assets (ROA) | 1.2856% | 1,940 |
| Pretax return on assets | 1.6283% | 1,658 |
| Return on Equity (ROE) | 14.3590% | 1,362 |
| Retained earnings to average equity (ytd only) | 14.3590% | 716 |
| Net charge-offs to loans | 0.0019% | 1,858 |
| Credit loss provision to net charge-offs | 12,100.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 1,202.0000% | 72 |
| Efficiency ratio | 61.3069% | 2,864 |
| Assets per employee ($millions) | 5.7478% | 2,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0479% | 3,660 |
| Loan loss allowance to noncurrent loans | 12,467.5676% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.5705% | 1,661 |
| Noncurrent loans to loans | 0.0084% | 4,278 |
| Net loans and leases to total assets | 79.7704% | 348 |
| Net loans and leases to deposits | 88.5045% | 793 |
| Net loans and leases to core deposits | 96.9147% | 846 |
| Total domestic deposits to total assets | 90.1315% | 759 |
| Equity capital to assets | 8.8413% | 3,843 |
| Core capital (leverage) ratio | 9.0186% | 3,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0297% | 2,652 |
| Memoranda: | ||
| Average total assets | $531,104,500 | 1,606 |
| Average earning assets | $506,663,000 | 1,571 |
| Average equity | $47,552,000 | 1,833 |
| Average total loans | $424,696,000 | 1,348 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9554% | 534 |
| Cost of funding earning assets | 0.7238% | 1,594 |
| Net interest margin | 4.2317% | 593 |
| Noninterest income to average assets | 0.3648% | 3,286 |
| Noninterest expense to average assets | 2.8288% | 1,869 |
| Loan and lease loss provision to assets | 0.3227% | 1,133 |
| Net operating income to assets | 0.9906% | 2,330 |
| Return on assets (ROA) | 0.9906% | 2,471 |
| Pretax return on assets | 1.2548% | 2,139 |
| Return on Equity (ROE) | 11.0331% | 1,618 |
| Retained earnings to average equity (ytd only) | 7.3080% | 1,277 |
| Net charge-offs to loans | 0.1116% | 1,360 |
| Credit loss provision to net charge-offs | 363.5955% | 1,549 |
| Earnings coverage of net charge-offs (x) | 17.7753% | 2,057 |
| Efficiency ratio | 64.1984% | 2,790 |
| Assets per employee ($millions) | 5.1106% | 3,272 |
| Cash dividends to net income (ytd only)* | 33.7628% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 3,603 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5963% | 1,769 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 78.4291% | 562 |
| Net loans and leases to deposits | 87.3100% | 1,150 |
| Net loans and leases to core deposits | 96.9453% | 1,066 |
| Total domestic deposits to total assets | 89.8283% | 627 |
| Equity capital to assets | 9.0721% | 3,994 |
| Core capital (leverage) ratio | 8.7661% | 3,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1441% | 2,571 |
| Memoranda: | ||
| Average total assets | $501,421,400 | 1,551 |
| Average earning assets | $478,887,600 | 1,511 |
| Average equity | $45,019,000 | 1,848 |
| Average total loans | $398,670,800 | 1,362 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8801% | 765 |
| Cost of funding earning assets | 0.7854% | 1,563 |
| Net interest margin | 4.0947% | 908 |
| Noninterest income to average assets | 0.3638% | 3,281 |
| Noninterest expense to average assets | 2.8301% | 1,885 |
| Loan and lease loss provision to assets | 0.3723% | 991 |
| Net operating income to assets | 0.8484% | 2,912 |
| Return on assets (ROA) | 0.8484% | 3,039 |
| Pretax return on assets | 1.0747% | 2,831 |
| Return on Equity (ROE) | 9.4746% | 2,211 |
| Retained earnings to average equity (ytd only) | 6.9706% | 1,705 |
| Net charge-offs to loans | 0.0158% | 2,566 |
| Credit loss provision to net charge-offs | 2,957.4468% | 355 |
| Earnings coverage of net charge-offs (x) | 114.9362% | 719 |
| Efficiency ratio | 66.1677% | 2,448 |
| Assets per employee ($millions) | 5.5201% | 2,690 |
| Cash dividends to net income (ytd only)* | 26.4288% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 3,364 |
| Loan loss allowance to noncurrent loans | 232.5486% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.5640% | 2,033 |
| Noncurrent loans to loans | 0.4598% | 2,671 |
| Net loans and leases to total assets | 79.3436% | 673 |
| Net loans and leases to deposits | 87.6409% | 1,527 |
| Net loans and leases to core deposits | 97.7974% | 1,320 |
| Total domestic deposits to total assets | 90.5326% | 276 |
| Equity capital to assets | 8.6702% | 4,355 |
| Core capital (leverage) ratio | 8.6163% | 4,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2306% | 2,520 |
| Memoranda: | ||
| Average total assets | $497,735,000 | 1,533 |
| Average earning assets | $475,687,500 | 1,498 |
| Average equity | $44,567,000 | 1,853 |
| Average total loans | $396,038,750 | 1,358 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0052% | 819 |
| Cost of funding earning assets | 0.8678% | 1,505 |
| Net interest margin | 4.1374% | 1,045 |
| Noninterest income to average assets | 0.3795% | 3,201 |
| Noninterest expense to average assets | 2.8641% | 1,928 |
| Loan and lease loss provision to assets | 0.4743% | 789 |
| Net operating income to assets | 0.7848% | 3,085 |
| Return on assets (ROA) | 0.7848% | 3,206 |
| Pretax return on assets | 0.9942% | 3,049 |
| Return on Equity (ROE) | 8.6652% | 2,506 |
| Retained earnings to average equity (ytd only) | 4.8699% | 2,538 |
| Net charge-offs to loans | 0.0057% | 2,759 |
| Credit loss provision to net charge-offs | 10,500.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 325.0909% | 307 |
| Efficiency ratio | 66.1043% | 2,503 |
| Assets per employee ($millions) | 5.5151% | 2,624 |
| Cash dividends to net income (ytd only)* | 43.7991% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0440% | 3,347 |
| Loan loss allowance to noncurrent loans | 176.0535% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.6823% | 1,798 |
| Noncurrent loans to loans | 0.5930% | 2,381 |
| Net loans and leases to total assets | 78.6029% | 771 |
| Net loans and leases to deposits | 86.8729% | 1,673 |
| Net loans and leases to core deposits | 98.3474% | 1,387 |
| Total domestic deposits to total assets | 90.4804% | 277 |
| Equity capital to assets | 8.5566% | 4,445 |
| Core capital (leverage) ratio | 8.1641% | 4,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0236% | 2,598 |
| Memoranda: | ||
| Average total assets | $487,002,667 | 1,538 |
| Average earning assets | $465,319,000 | 1,495 |
| Average equity | $44,107,333 | 1,854 |
| Average total loans | $386,381,333 | 1,370 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0530% | 876 |
| Cost of funding earning assets | 0.9700% | 1,565 |
| Net interest margin | 4.0829% | 1,170 |
| Noninterest income to average assets | 0.4337% | 2,889 |
| Noninterest expense to average assets | 2.9829% | 1,923 |
| Loan and lease loss provision to assets | 0.1451% | 1,940 |
| Net operating income to assets | 0.9536% | 2,336 |
| Return on assets (ROA) | 0.9536% | 2,440 |
| Pretax return on assets | 1.2080% | 2,166 |
| Return on Equity (ROE) | 10.2136% | 1,672 |
| Retained earnings to average equity (ytd only) | 10.2136% | 704 |
| Net charge-offs to loans | 0.0022% | 2,515 |
| Credit loss provision to net charge-offs | 8,500.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 792.5000% | 73 |
| Efficiency ratio | 68.7931% | 2,540 |
| Assets per employee ($millions) | 5.0048% | 2,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9083% | 4,081 |
| Loan loss allowance to noncurrent loans | 133.9698% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.7697% | 1,756 |
| Noncurrent loans to loans | 0.6780% | 2,296 |
| Net loans and leases to total assets | 78.1015% | 967 |
| Net loans and leases to deposits | 86.9522% | 1,878 |
| Net loans and leases to core deposits | 100.4964% | 1,433 |
| Total domestic deposits to total assets | 89.8212% | 382 |
| Equity capital to assets | 9.4701% | 4,249 |
| Core capital (leverage) ratio | 9.4070% | 4,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4741% | 2,940 |
| Memoranda: | ||
| Average total assets | $468,538,000 | 1,540 |
| Average earning assets | $447,815,500 | 1,499 |
| Average equity | $43,745,500 | 1,856 |
| Average total loans | $371,486,500 | 1,380 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2813% | 850 |
| Cost of funding earning assets | 0.9296% | 2,059 |
| Net interest margin | 4.3517% | 982 |
| Noninterest income to average assets | 0.4406% | 3,053 |
| Noninterest expense to average assets | 2.9822% | 2,062 |
| Loan and lease loss provision to assets | 0.1498% | 1,423 |
| Net operating income to assets | 1.1592% | 2,221 |
| Return on assets (ROA) | 1.1633% | 2,298 |
| Pretax return on assets | 1.4763% | 1,879 |
| Return on Equity (ROE) | 12.7537% | 1,257 |
| Retained earnings to average equity (ytd only) | 8.7018% | 786 |
| Net charge-offs to loans | 0.1539% | 1,299 |
| Credit loss provision to net charge-offs | 122.1416% | 2,079 |
| Earnings coverage of net charge-offs (x) | 13.2142% | 2,370 |
| Efficiency ratio | 64.7853% | 2,973 |
| Assets per employee ($millions) | 4.9119% | 2,696 |
| Cash dividends to net income (ytd only)* | 31.7703% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8601% | 4,127 |
| Loan loss allowance to noncurrent loans | 129.0726% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.7687% | 1,684 |
| Noncurrent loans to loans | 0.6663% | 2,221 |
| Net loans and leases to total assets | 79.0731% | 921 |
| Net loans and leases to deposits | 87.9891% | 1,843 |
| Net loans and leases to core deposits | 103.1558% | 1,296 |
| Total domestic deposits to total assets | 89.8669% | 362 |
| Equity capital to assets | 9.2020% | 4,568 |
| Core capital (leverage) ratio | 9.0936% | 4,452 |
| Tier 1 risk-based capital ratio | 11.2505% | 4,754 |
| Total risk-based capital ratio | 12.0917% | 4,818 |
| Memoranda: | ||
| Average total assets | $449,162,600 | 1,557 |
| Average earning assets | $429,646,400 | 1,505 |
| Average equity | $40,968,400 | 1,888 |
| Average total loans | $358,128,000 | 1,390 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2645% | 925 |
| Cost of funding earning assets | 0.8909% | 2,270 |
| Net interest margin | 4.3735% | 1,001 |
| Noninterest income to average assets | 0.4334% | 3,118 |
| Noninterest expense to average assets | 3.0359% | 1,867 |
| Loan and lease loss provision to assets | 0.1508% | 1,253 |
| Net operating income to assets | 1.1267% | 2,467 |
| Return on assets (ROA) | 1.1322% | 2,532 |
| Pretax return on assets | 1.4370% | 2,166 |
| Return on Equity (ROE) | 12.4417% | 1,469 |
| Retained earnings to average equity (ytd only) | 9.7241% | 820 |
| Net charge-offs to loans | 0.0459% | 2,180 |
| Credit loss provision to net charge-offs | 412.2951% | 738 |
| Earnings coverage of net charge-offs (x) | 43.2302% | 1,297 |
| Efficiency ratio | 65.7577% | 2,758 |
| Assets per employee ($millions) | 5.1470% | 2,399 |
| Cash dividends to net income (ytd only)* | 21.8427% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9622% | 3,771 |
| Loan loss allowance to noncurrent loans | 181.8182% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.6426% | 2,080 |
| Noncurrent loans to loans | 0.5292% | 2,699 |
| Net loans and leases to total assets | 76.0384% | 1,475 |
| Net loans and leases to deposits | 85.0714% | 2,312 |
| Net loans and leases to core deposits | 99.4085% | 1,708 |
| Total domestic deposits to total assets | 89.3819% | 484 |
| Equity capital to assets | 9.0373% | 4,765 |
| Core capital (leverage) ratio | 9.2338% | 4,448 |
| Tier 1 risk-based capital ratio | 11.6113% | 4,620 |
| Total risk-based capital ratio | 12.5634% | 4,658 |
| Memoranda: | ||
| Average total assets | $444,796,000 | 1,579 |
| Average earning assets | $425,457,750 | 1,535 |
| Average equity | $40,475,750 | 1,916 |
| Average total loans | $354,615,250 | 1,407 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2651% | 874 |
| Cost of funding earning assets | 0.8362% | 2,471 |
| Net interest margin | 4.4289% | 892 |
| Noninterest income to average assets | 0.4339% | 3,043 |
| Noninterest expense to average assets | 3.0796% | 1,795 |
| Loan and lease loss provision to assets | 0.1565% | 1,162 |
| Net operating income to assets | 1.1315% | 2,398 |
| Return on assets (ROA) | 1.1315% | 2,476 |
| Pretax return on assets | 1.4355% | 2,088 |
| Return on Equity (ROE) | 12.4040% | 1,443 |
| Retained earnings to average equity (ytd only) | 8.2643% | 1,291 |
| Net charge-offs to loans | 0.0170% | 2,547 |
| Credit loss provision to net charge-offs | 1,140.0000% | 306 |
| Earnings coverage of net charge-offs (x) | 115.9333% | 619 |
| Efficiency ratio | 65.9220% | 2,815 |
| Assets per employee ($millions) | 4.7948% | 2,747 |
| Cash dividends to net income (ytd only)* | 33.3738% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9590% | 3,839 |
| Loan loss allowance to noncurrent loans | 103.6369% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 0.7338% | 1,890 |
| Noncurrent loans to loans | 0.9253% | 1,765 |
| Net loans and leases to total assets | 78.5375% | 1,119 |
| Net loans and leases to deposits | 87.2501% | 2,093 |
| Net loans and leases to core deposits | 101.8416% | 1,569 |
| Total domestic deposits to total assets | 90.0142% | 329 |
| Equity capital to assets | 9.1915% | 4,662 |
| Core capital (leverage) ratio | 9.1922% | 4,469 |
| Tier 1 risk-based capital ratio | 11.4490% | 4,711 |
| Total risk-based capital ratio | 12.3984% | 4,748 |
| Memoranda: | ||
| Average total assets | $436,935,000 | 1,602 |
| Average earning assets | $418,073,670 | 1,560 |
| Average equity | $39,858,000 | 1,943 |
| Average total loans | $352,951,000 | 1,420 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2678% | 805 |
| Cost of funding earning assets | 0.7588% | 2,750 |
| Net interest margin | 4.5090% | 727 |
| Noninterest income to average assets | 0.4320% | 2,960 |
| Noninterest expense to average assets | 3.1190% | 1,690 |
| Loan and lease loss provision to assets | 0.1739% | 965 |
| Net operating income to assets | 1.1423% | 2,304 |
| Return on assets (ROA) | 1.1423% | 2,351 |
| Pretax return on assets | 1.4485% | 1,929 |
| Return on Equity (ROE) | 12.5721% | 1,363 |
| Retained earnings to average equity (ytd only) | 12.5721% | 531 |
| Net charge-offs to loans | 0.0079% | 2,409 |
| Credit loss provision to net charge-offs | 2,685.7143% | 165 |
| Earnings coverage of net charge-offs (x) | 250.5714% | 319 |
| Efficiency ratio | 65.7823% | 2,967 |
| Assets per employee ($millions) | 4.7542% | 2,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9190% | 4,083 |
| Loan loss allowance to noncurrent loans | 91.5473% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 0.8141% | 1,740 |
| Noncurrent loans to loans | 1.0038% | 1,663 |
| Net loans and leases to total assets | 80.3612% | 795 |
| Net loans and leases to deposits | 89.1892% | 1,734 |
| Net loans and leases to core deposits | 102.1755% | 1,451 |
| Total domestic deposits to total assets | 90.1020% | 412 |
| Equity capital to assets | 9.1504% | 4,579 |
| Core capital (leverage) ratio | 9.4098% | 4,246 |
| Tier 1 risk-based capital ratio | 11.3307% | 4,822 |
| Total risk-based capital ratio | 12.2432% | 4,883 |
| Memoranda: | ||
| Average total assets | $432,442,000 | 1,625 |
| Average earning assets | $413,305,500 | 1,580 |
| Average equity | $39,293,500 | 1,953 |
| Average total loans | $352,623,500 | 1,429 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1425% | 779 |
| Cost of funding earning assets | 0.5782% | 2,870 |
| Net interest margin | 4.5644% | 665 |
| Noninterest income to average assets | 0.4171% | 3,331 |
| Noninterest expense to average assets | 3.1059% | 1,783 |
| Loan and lease loss provision to assets | 0.1030% | 2,135 |
| Net operating income to assets | 1.2298% | 2,049 |
| Return on assets (ROA) | 1.2298% | 2,041 |
| Pretax return on assets | 1.5608% | 1,588 |
| Return on Equity (ROE) | 13.9870% | 1,042 |
| Retained earnings to average equity (ytd only) | 9.6942% | 682 |
| Net charge-offs to loans | 0.0038% | 3,591 |
| Credit loss provision to net charge-offs | 3,315.3846% | 153 |
| Earnings coverage of net charge-offs (x) | 535.7692% | 201 |
| Efficiency ratio | 65.1174% | 3,011 |
| Assets per employee ($millions) | 4.7499% | 2,811 |
| Cash dividends to net income (ytd only)* | 30.6915% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8785% | 4,255 |
| Loan loss allowance to noncurrent loans | 570.1852% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.1263% | 4,189 |
| Noncurrent loans to loans | 0.1541% | 4,054 |
| Net loans and leases to total assets | 81.2680% | 775 |
| Net loans and leases to deposits | 90.3515% | 1,750 |
| Net loans and leases to core deposits | 102.6137% | 1,535 |
| Total domestic deposits to total assets | 89.9465% | 496 |
| Equity capital to assets | 9.0209% | 4,561 |
| Core capital (leverage) ratio | 9.1861% | 4,471 |
| Tier 1 risk-based capital ratio | 11.1564% | 4,889 |
| Total risk-based capital ratio | 12.0317% | 4,967 |
| Memoranda: | ||
| Average total assets | $418,618,800 | 1,637 |
| Average earning assets | $399,202,400 | 1,593 |
| Average equity | $36,805,600 | 1,994 |
| Average total loans | $341,281,800 | 1,434 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0870% | 780 |
| Cost of funding earning assets | 0.5556% | 2,830 |
| Net interest margin | 4.5313% | 695 |
| Noninterest income to average assets | 0.4313% | 3,276 |
| Noninterest expense to average assets | 3.1302% | 1,690 |
| Loan and lease loss provision to assets | 0.1066% | 1,877 |
| Net operating income to assets | 1.1982% | 2,248 |
| Return on assets (ROA) | 1.1982% | 2,251 |
| Pretax return on assets | 1.5187% | 1,841 |
| Return on Equity (ROE) | 13.7194% | 1,194 |
| Retained earnings to average equity (ytd only) | 10.8414% | 685 |
| Net charge-offs to loans | 0.0039% | 3,325 |
| Credit loss provision to net charge-offs | 3,330.0000% | 129 |
| Earnings coverage of net charge-offs (x) | 507.7142% | 182 |
| Efficiency ratio | 65.8228% | 2,899 |
| Assets per employee ($millions) | 4.7507% | 2,784 |
| Cash dividends to net income (ytd only)* | 20.9781% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8601% | 4,416 |
| Loan loss allowance to noncurrent loans | 580.5447% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.1216% | 4,359 |
| Noncurrent loans to loans | 0.1482% | 4,225 |
| Net loans and leases to total assets | 81.3471% | 819 |
| Net loans and leases to deposits | 90.2946% | 1,858 |
| Net loans and leases to core deposits | 101.0860% | 1,692 |
| Total domestic deposits to total assets | 90.0908% | 483 |
| Equity capital to assets | 8.8896% | 4,649 |
| Core capital (leverage) ratio | 9.0680% | 4,641 |
| Tier 1 risk-based capital ratio | 11.0931% | 4,993 |
| Total risk-based capital ratio | 11.9499% | 5,078 |
| Memoranda: | ||
| Average total assets | $416,400,000 | 1,651 |
| Average earning assets | $397,372,250 | 1,606 |
| Average equity | $36,366,000 | 2,016 |
| Average total loans | $338,978,500 | 1,445 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9939% | 841 |
| Cost of funding earning assets | 0.5334% | 2,741 |
| Net interest margin | 4.4604% | 748 |
| Noninterest income to average assets | 0.4384% | 3,232 |
| Noninterest expense to average assets | 3.1318% | 1,713 |
| Loan and lease loss provision to assets | 0.1057% | 1,847 |
| Net operating income to assets | 1.1481% | 2,402 |
| Return on assets (ROA) | 1.1481% | 2,405 |
| Pretax return on assets | 1.4556% | 1,970 |
| Return on Equity (ROE) | 13.2261% | 1,289 |
| Retained earnings to average equity (ytd only) | 8.8600% | 1,262 |
| Net charge-offs to loans | -0.0149% | 4,455 |
| Credit loss provision to net charge-offs | -876.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7318% | 2,861 |
| Assets per employee ($millions) | 4.6137% | 2,947 |
| Cash dividends to net income (ytd only)* | 33.0109% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8583% | 4,526 |
| Loan loss allowance to noncurrent loans | 506.0976% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.1367% | 4,308 |
| Noncurrent loans to loans | 0.1696% | 4,149 |
| Net loans and leases to total assets | 79.9213% | 1,036 |
| Net loans and leases to deposits | 88.6138% | 2,031 |
| Net loans and leases to core deposits | 99.5712% | 1,767 |
| Total domestic deposits to total assets | 90.1906% | 510 |
| Equity capital to assets | 8.6659% | 4,829 |
| Core capital (leverage) ratio | 8.8897% | 4,801 |
| Tier 1 risk-based capital ratio | 11.0012% | 5,051 |
| Total risk-based capital ratio | 11.8587% | 5,126 |
| Memoranda: | ||
| Average total assets | $414,264,000 | 1,663 |
| Average earning assets | $395,163,670 | 1,624 |
| Average equity | $35,959,330 | 2,035 |
| Average total loans | $336,329,330 | 1,456 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8639% | 941 |
| Cost of funding earning assets | 0.5090% | 2,729 |
| Net interest margin | 4.3549% | 847 |
| Noninterest income to average assets | 0.4093% | 3,400 |
| Noninterest expense to average assets | 3.0563% | 1,929 |
| Loan and lease loss provision to assets | 0.0525% | 2,724 |
| Net operating income to assets | 1.1442% | 2,244 |
| Return on assets (ROA) | 1.1442% | 2,257 |
| Pretax return on assets | 1.4504% | 1,835 |
| Return on Equity (ROE) | 13.1702% | 1,213 |
| Retained earnings to average equity (ytd only) | 13.1702% | 497 |
| Net charge-offs to loans | -0.0787% | 5,144 |
| Credit loss provision to net charge-offs | -81.8182% | 3,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0362% | 3,000 |
| Assets per employee ($millions) | 4.8327% | 2,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8213% | 4,728 |
| Loan loss allowance to noncurrent loans | 410.1770% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.6429% | 2,389 |
| Noncurrent loans to loans | 0.2002% | 4,071 |
| Net loans and leases to total assets | 79.8706% | 955 |
| Net loans and leases to deposits | 88.1218% | 1,916 |
| Net loans and leases to core deposits | 100.3011% | 1,666 |
| Total domestic deposits to total assets | 90.6366% | 433 |
| Equity capital to assets | 8.5683% | 4,928 |
| Core capital (leverage) ratio | 9.0109% | 4,670 |
| Tier 1 risk-based capital ratio | 10.7454% | 5,266 |
| Total risk-based capital ratio | 11.5562% | 5,335 |
| Memoranda: | ||
| Average total assets | $411,474,500 | 1,683 |
| Average earning assets | $392,111,000 | 1,640 |
| Average equity | $35,747,500 | 2,058 |
| Average total loans | $335,269,500 | 1,467 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9237% | 762 |
| Cost of funding earning assets | 0.4843% | 2,464 |
| Net interest margin | 4.4394% | 701 |
| Noninterest income to average assets | 0.4331% | 3,414 |
| Noninterest expense to average assets | 2.9922% | 2,184 |
| Loan and lease loss provision to assets | 0.1331% | 1,722 |
| Net operating income to assets | 0.9330% | 2,533 |
| Return on assets (ROA) | 0.9526% | 2,467 |
| Pretax return on assets | 1.5570% | 1,427 |
| Return on Equity (ROE) | 10.6433% | 1,618 |
| Retained earnings to average equity (ytd only) | 6.3635% | 1,349 |
| Net charge-offs to loans | 0.2202% | 1,178 |
| Credit loss provision to net charge-offs | 72.1678% | 3,062 |
| Earnings coverage of net charge-offs (x) | 8.9972% | 2,836 |
| Efficiency ratio | 64.3265% | 3,559 |
| Assets per employee ($millions) | 4.6265% | 2,988 |
| Cash dividends to net income (ytd only)* | 40.2112% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8016% | 4,824 |
| Loan loss allowance to noncurrent loans | 477.7379% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.6415% | 2,405 |
| Noncurrent loans to loans | 0.1678% | 4,250 |
| Net loans and leases to total assets | 81.8091% | 706 |
| Net loans and leases to deposits | 90.8723% | 1,667 |
| Net loans and leases to core deposits | 103.5829% | 1,440 |
| Total domestic deposits to total assets | 90.0264% | 557 |
| Equity capital to assets | 8.8123% | 4,888 |
| Core capital (leverage) ratio | 8.7827% | 4,877 |
| Tier 1 risk-based capital ratio | 10.6170% | 5,332 |
| Total risk-based capital ratio | 11.4089% | 5,420 |
| Memoranda: | ||
| Average total assets | $387,672,400 | 1,763 |
| Average earning assets | $368,380,000 | 1,716 |
| Average equity | $34,698,000 | 2,098 |
| Average total loans | $324,742,000 | 1,463 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8921% | 771 |
| Cost of funding earning assets | 0.4704% | 2,519 |
| Net interest margin | 4.4217% | 702 |
| Noninterest income to average assets | 0.4407% | 3,397 |
| Noninterest expense to average assets | 3.0057% | 2,092 |
| Loan and lease loss provision to assets | 0.1608% | 1,274 |
| Net operating income to assets | 0.9707% | 2,684 |
| Return on assets (ROA) | 0.9980% | 2,618 |
| Pretax return on assets | 1.5161% | 1,716 |
| Return on Equity (ROE) | 11.1053% | 1,657 |
| Retained earnings to average equity (ytd only) | 8.3039% | 1,093 |
| Net charge-offs to loans | 0.2944% | 720 |
| Credit loss provision to net charge-offs | 64.9369% | 2,749 |
| Earnings coverage of net charge-offs (x) | 6.6059% | 2,969 |
| Efficiency ratio | 64.7613% | 3,413 |
| Assets per employee ($millions) | 4.6418% | 2,914 |
| Cash dividends to net income (ytd only)* | 25.2261% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8088% | 4,865 |
| Loan loss allowance to noncurrent loans | 333.3333% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.6953% | 2,423 |
| Noncurrent loans to loans | 0.2426% | 4,083 |
| Net loans and leases to total assets | 79.2657% | 1,089 |
| Net loans and leases to deposits | 92.2827% | 1,532 |
| Net loans and leases to core deposits | 106.9731% | 1,202 |
| Total domestic deposits to total assets | 85.8944% | 2,349 |
| Equity capital to assets | 8.8425% | 5,037 |
| Core capital (leverage) ratio | 9.1080% | 4,626 |
| Tier 1 risk-based capital ratio | 10.6269% | 5,405 |
| Total risk-based capital ratio | 11.4057% | 5,516 |
| Memoranda: | ||
| Average total assets | $383,968,500 | 1,790 |
| Average earning assets | $364,770,500 | 1,745 |
| Average equity | $34,505,000 | 2,126 |
| Average total loans | $322,941,000 | 1,481 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9333% | 646 |
| Cost of funding earning assets | 0.4498% | 2,604 |
| Net interest margin | 4.4836% | 588 |
| Noninterest income to average assets | 0.4574% | 3,308 |
| Noninterest expense to average assets | 3.0842% | 1,876 |
| Loan and lease loss provision to assets | 0.1627% | 1,228 |
| Net operating income to assets | 0.9705% | 2,566 |
| Return on assets (ROA) | 0.9705% | 2,613 |
| Pretax return on assets | 1.4745% | 1,741 |
| Return on Equity (ROE) | 10.7378% | 1,742 |
| Retained earnings to average equity (ytd only) | 6.4861% | 1,853 |
| Net charge-offs to loans | 0.0477% | 2,262 |
| Credit loss provision to net charge-offs | 398.7013% | 787 |
| Earnings coverage of net charge-offs (x) | 40.1169% | 1,250 |
| Efficiency ratio | 65.3233% | 3,460 |
| Assets per employee ($millions) | 4.4381% | 3,217 |
| Cash dividends to net income (ytd only)* | 39.5958% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9448% | 4,442 |
| Loan loss allowance to noncurrent loans | 445.8874% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 4,461 |
| Noncurrent loans to loans | 0.2119% | 4,273 |
| Net loans and leases to total assets | 83.9038% | 455 |
| Net loans and leases to deposits | 98.2576% | 872 |
| Net loans and leases to core deposits | 114.6559% | 771 |
| Total domestic deposits to total assets | 85.3917% | 2,652 |
| Equity capital to assets | 8.9955% | 4,908 |
| Core capital (leverage) ratio | 9.1364% | 4,570 |
| Tier 1 risk-based capital ratio | 10.4204% | 5,495 |
| Total risk-based capital ratio | 11.3518% | 5,550 |
| Memoranda: | ||
| Average total assets | $377,347,000 | 1,815 |
| Average earning assets | $358,863,670 | 1,770 |
| Average equity | $34,103,670 | 2,137 |
| Average total loans | $323,017,670 | 1,483 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9466% | 575 |
| Cost of funding earning assets | 0.4328% | 2,689 |
| Net interest margin | 4.5138% | 512 |
| Noninterest income to average assets | 0.4601% | 3,253 |
| Noninterest expense to average assets | 3.1456% | 1,750 |
| Loan and lease loss provision to assets | 0.1630% | 1,102 |
| Net operating income to assets | 0.9374% | 2,572 |
| Return on assets (ROA) | 0.9374% | 2,631 |
| Pretax return on assets | 1.4243% | 1,792 |
| Return on Equity (ROE) | 10.3466% | 1,802 |
| Retained earnings to average equity (ytd only) | 10.3466% | 737 |
| Net charge-offs to loans | 0.0685% | 1,643 |
| Credit loss provision to net charge-offs | 276.3636% | 828 |
| Earnings coverage of net charge-offs (x) | 26.9091% | 1,289 |
| Efficiency ratio | 66.4627% | 3,416 |
| Assets per employee ($millions) | 4.4428% | 3,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9122% | 4,712 |
| Loan loss allowance to noncurrent loans | 341.8497% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.2318% | 4,294 |
| Noncurrent loans to loans | 0.2668% | 4,156 |
| Net loans and leases to total assets | 86.0726% | 215 |
| Net loans and leases to deposits | 98.2829% | 750 |
| Net loans and leases to core deposits | 112.3048% | 759 |
| Total domestic deposits to total assets | 87.5763% | 1,957 |
| Equity capital to assets | 9.1860% | 4,628 |
| Core capital (leverage) ratio | 9.2000% | 4,481 |
| Tier 1 risk-based capital ratio | 10.4499% | 5,560 |
| Total risk-based capital ratio | 11.3498% | 5,628 |
| Memoranda: | ||
| Average total assets | $372,962,500 | 1,846 |
| Average earning assets | $353,053,500 | 1,811 |
| Average equity | $33,789,000 | 2,161 |
| Average total loans | $320,998,500 | 1,495 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9283% | 690 |
| Cost of funding earning assets | 0.3744% | 3,273 |
| Net interest margin | 4.5539% | 549 |
| Noninterest income to average assets | 0.5060% | 3,198 |
| Noninterest expense to average assets | 3.0948% | 2,054 |
| Loan and lease loss provision to assets | 0.1664% | 1,479 |
| Net operating income to assets | 1.0354% | 2,207 |
| Return on assets (ROA) | 1.0470% | 2,260 |
| Pretax return on assets | 1.5910% | 1,313 |
| Return on Equity (ROE) | 11.5148% | 1,397 |
| Retained earnings to average equity (ytd only) | 7.5455% | 1,025 |
| Net charge-offs to loans | 0.1029% | 2,240 |
| Credit loss provision to net charge-offs | 189.8089% | 1,489 |
| Earnings coverage of net charge-offs (x) | 19.8503% | 1,894 |
| Efficiency ratio | 64.0148% | 3,935 |
| Assets per employee ($millions) | 4.4907% | 3,126 |
| Cash dividends to net income (ytd only)* | 34.4708% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8999% | 4,784 |
| Loan loss allowance to noncurrent loans | 316.7220% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.2423% | 4,337 |
| Noncurrent loans to loans | 0.2841% | 4,136 |
| Net loans and leases to total assets | 84.5012% | 338 |
| Net loans and leases to deposits | 96.5060% | 953 |
| Net loans and leases to core deposits | 108.6231% | 982 |
| Total domestic deposits to total assets | 87.5606% | 1,843 |
| Equity capital to assets | 8.9331% | 4,878 |
| Core capital (leverage) ratio | 9.0530% | 4,679 |
| Tier 1 risk-based capital ratio | 10.2803% | 5,664 |
| Total risk-based capital ratio | 11.1589% | 5,725 |
| Memoranda: | ||
| Average total assets | $358,275,200 | 1,862 |
| Average earning assets | $340,542,200 | 1,827 |
| Average equity | $32,575,600 | 2,200 |
| Average total loans | $305,170,600 | 1,498 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9210% | 697 |
| Cost of funding earning assets | 0.3563% | 3,475 |
| Net interest margin | 4.5647% | 538 |
| Noninterest income to average assets | 0.5139% | 3,155 |
| Noninterest expense to average assets | 3.1564% | 1,885 |
| Loan and lease loss provision to assets | 0.1695% | 1,341 |
| Net operating income to assets | 1.0152% | 2,363 |
| Return on assets (ROA) | 1.0308% | 2,417 |
| Pretax return on assets | 1.5661% | 1,477 |
| Return on Equity (ROE) | 11.2852% | 1,567 |
| Retained earnings to average equity (ytd only) | 8.6183% | 934 |
| Net charge-offs to loans | 0.1382% | 1,603 |
| Credit loss provision to net charge-offs | 144.0895% | 1,822 |
| Earnings coverage of net charge-offs (x) | 14.5496% | 2,238 |
| Efficiency ratio | 64.8340% | 3,785 |
| Assets per employee ($millions) | 4.4321% | 3,185 |
| Cash dividends to net income (ytd only)* | 23.6324% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8674% | 4,976 |
| Loan loss allowance to noncurrent loans | 311.8255% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.2368% | 4,495 |
| Noncurrent loans to loans | 0.2782% | 4,266 |
| Net loans and leases to total assets | 84.3814% | 377 |
| Net loans and leases to deposits | 96.4177% | 1,010 |
| Net loans and leases to core deposits | 106.9952% | 1,110 |
| Total domestic deposits to total assets | 87.5165% | 1,655 |
| Equity capital to assets | 9.1325% | 5,041 |
| Core capital (leverage) ratio | 9.1443% | 4,667 |
| Tier 1 risk-based capital ratio | 10.3334% | 5,688 |
| Total risk-based capital ratio | 11.1813% | 5,775 |
| Memoranda: | ||
| Average total assets | $354,662,500 | 1,889 |
| Average earning assets | $338,326,250 | 1,840 |
| Average equity | $32,395,500 | 2,223 |
| Average total loans | $302,008,750 | 1,514 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8847% | 750 |
| Cost of funding earning assets | 0.3452% | 3,618 |
| Net interest margin | 4.5396% | 569 |
| Noninterest income to average assets | 0.5082% | 3,138 |
| Noninterest expense to average assets | 3.1759% | 1,869 |
| Loan and lease loss provision to assets | 0.1622% | 1,397 |
| Net operating income to assets | 0.9895% | 2,436 |
| Return on assets (ROA) | 1.0027% | 2,519 |
| Pretax return on assets | 1.5234% | 1,604 |
| Return on Equity (ROE) | 10.9765% | 1,653 |
| Retained earnings to average equity (ytd only) | 6.9259% | 1,643 |
| Net charge-offs to loans | 0.1636% | 1,355 |
| Credit loss provision to net charge-offs | 116.3934% | 1,906 |
| Earnings coverage of net charge-offs (x) | 11.9549% | 2,218 |
| Efficiency ratio | 65.5974% | 3,746 |
| Assets per employee ($millions) | 4.3354% | 3,317 |
| Cash dividends to net income (ytd only)* | 36.9021% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8626% | 5,091 |
| Loan loss allowance to noncurrent loans | 284.5652% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.2588% | 4,460 |
| Noncurrent loans to loans | 0.3031% | 4,282 |
| Net loans and leases to total assets | 84.6392% | 374 |
| Net loans and leases to deposits | 96.7551% | 993 |
| Net loans and leases to core deposits | 106.9484% | 1,107 |
| Total domestic deposits to total assets | 87.4777% | 1,678 |
| Equity capital to assets | 9.1651% | 5,100 |
| Core capital (leverage) ratio | 9.1027% | 4,713 |
| Tier 1 risk-based capital ratio | 10.2779% | 5,769 |
| Total risk-based capital ratio | 11.1157% | 5,845 |
| Memoranda: | ||
| Average total assets | $350,262,330 | 1,911 |
| Average earning assets | $334,347,000 | 1,859 |
| Average equity | $31,995,670 | 2,244 |
| Average total loans | $298,303,670 | 1,528 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8401% | 780 |
| Cost of funding earning assets | 0.3426% | 3,686 |
| Net interest margin | 4.4975% | 610 |
| Noninterest income to average assets | 0.5270% | 2,952 |
| Noninterest expense to average assets | 3.1780% | 1,889 |
| Loan and lease loss provision to assets | 0.1645% | 1,257 |
| Net operating income to assets | 0.9698% | 2,415 |
| Return on assets (ROA) | 0.9964% | 2,411 |
| Pretax return on assets | 1.5142% | 1,541 |
| Return on Equity (ROE) | 10.9266% | 1,621 |
| Retained earnings to average equity (ytd only) | 10.9266% | 664 |
| Net charge-offs to loans | 0.0649% | 1,846 |
| Credit loss provision to net charge-offs | 297.9167% | 860 |
| Earnings coverage of net charge-offs (x) | 29.6667% | 1,189 |
| Efficiency ratio | 65.9818% | 3,806 |
| Assets per employee ($millions) | 4.3166% | 3,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8984% | 5,057 |
| Loan loss allowance to noncurrent loans | 115.7143% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.6526% | 3,101 |
| Noncurrent loans to loans | 0.7764% | 2,895 |
| Net loans and leases to total assets | 83.2999% | 429 |
| Net loans and leases to deposits | 95.5779% | 981 |
| Net loans and leases to core deposits | 105.0237% | 1,136 |
| Total domestic deposits to total assets | 87.1540% | 2,128 |
| Equity capital to assets | 9.1072% | 5,076 |
| Core capital (leverage) ratio | 9.1795% | 4,622 |
| Tier 1 risk-based capital ratio | 10.4086% | 5,788 |
| Total risk-based capital ratio | 11.2818% | 5,852 |
| Memoranda: | ||
| Average total assets | $347,642,500 | 1,927 |
| Average earning assets | $331,564,500 | 1,874 |
| Average equity | $31,702,500 | 2,262 |
| Average total loans | $295,699,500 | 1,535 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9089% | 753 |
| Cost of funding earning assets | 0.3338% | 3,863 |
| Net interest margin | 4.5751% | 575 |
| Noninterest income to average assets | 0.5364% | 3,099 |
| Noninterest expense to average assets | 3.2417% | 1,857 |
| Loan and lease loss provision to assets | 0.1064% | 2,211 |
| Net operating income to assets | 1.0123% | 2,296 |
| Return on assets (ROA) | 1.0148% | 2,362 |
| Pretax return on assets | 1.5431% | 1,426 |
| Return on Equity (ROE) | 11.1847% | 1,548 |
| Retained earnings to average equity (ytd only) | 7.9947% | 920 |
| Net charge-offs to loans | 0.1071% | 2,317 |
| Credit loss provision to net charge-offs | 120.8904% | 2,131 |
| Earnings coverage of net charge-offs (x) | 18.6918% | 1,997 |
| Efficiency ratio | 66.3294% | 3,850 |
| Assets per employee ($millions) | 4.1123% | 3,733 |
| Cash dividends to net income (ytd only)* | 28.5205% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8772% | 5,172 |
| Loan loss allowance to noncurrent loans | 107.8210% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 0.7005% | 2,952 |
| Noncurrent loans to loans | 0.8136% | 2,749 |
| Net loans and leases to total assets | 85.3438% | 282 |
| Net loans and leases to deposits | 95.8494% | 1,029 |
| Net loans and leases to core deposits | 103.6947% | 1,242 |
| Total domestic deposits to total assets | 89.0394% | 1,101 |
| Equity capital to assets | 9.1318% | 4,986 |
| Core capital (leverage) ratio | 9.0113% | 4,869 |
| Tier 1 risk-based capital ratio | 10.2160% | 5,890 |
| Total risk-based capital ratio | 11.0654% | 5,955 |
| Memoranda: | ||
| Average total assets | $331,677,400 | 1,982 |
| Average earning assets | $315,426,800 | 1,918 |
| Average equity | $30,094,800 | 2,314 |
| Average total loans | $272,607,800 | 1,601 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8662% | 827 |
| Cost of funding earning assets | 0.3325% | 3,950 |
| Net interest margin | 4.5337% | 609 |
| Noninterest income to average assets | 0.5373% | 3,123 |
| Noninterest expense to average assets | 3.2342% | 1,873 |
| Loan and lease loss provision to assets | 0.1033% | 2,137 |
| Net operating income to assets | 0.9951% | 2,496 |
| Return on assets (ROA) | 0.9986% | 2,568 |
| Pretax return on assets | 1.5177% | 1,637 |
| Return on Equity (ROE) | 11.0236% | 1,695 |
| Retained earnings to average equity (ytd only) | 8.8779% | 946 |
| Net charge-offs to loans | 0.0713% | 2,543 |
| Credit loss provision to net charge-offs | 178.3217% | 1,477 |
| Earnings coverage of net charge-offs (x) | 27.9024% | 1,567 |
| Efficiency ratio | 66.6861% | 3,767 |
| Assets per employee ($millions) | 4.1518% | 3,616 |
| Cash dividends to net income (ytd only)* | 19.4646% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9360% | 5,043 |
| Loan loss allowance to noncurrent loans | 5,593.6170% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 5,747 |
| Noncurrent loans to loans | 0.0167% | 5,575 |
| Net loans and leases to total assets | 80.7426% | 721 |
| Net loans and leases to deposits | 91.1607% | 1,505 |
| Net loans and leases to core deposits | 97.9591% | 1,699 |
| Total domestic deposits to total assets | 88.5717% | 1,259 |
| Equity capital to assets | 8.9646% | 5,341 |
| Core capital (leverage) ratio | 9.0697% | 4,916 |
| Tier 1 risk-based capital ratio | 10.4053% | 5,919 |
| Total risk-based capital ratio | 11.3000% | 5,977 |
| Memoranda: | ||
| Average total assets | $329,266,250 | 2,008 |
| Average earning assets | $313,202,500 | 1,946 |
| Average equity | $29,826,250 | 2,337 |
| Average total loans | $267,291,000 | 1,643 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8538% | 801 |
| Cost of funding earning assets | 0.3345% | 3,992 |
| Net interest margin | 4.5193% | 617 |
| Noninterest income to average assets | 0.5127% | 3,284 |
| Noninterest expense to average assets | 3.2417% | 1,863 |
| Loan and lease loss provision to assets | 0.1049% | 2,080 |
| Net operating income to assets | 0.9600% | 2,587 |
| Return on assets (ROA) | 0.9600% | 2,699 |
| Pretax return on assets | 1.4592% | 1,768 |
| Return on Equity (ROE) | 10.5595% | 1,827 |
| Retained earnings to average equity (ytd only) | 7.3021% | 1,570 |
| Net charge-offs to loans | 0.0015% | 3,855 |
| Credit loss provision to net charge-offs | 8,500.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 1,267.5000% | 46 |
| Efficiency ratio | 67.4541% | 3,755 |
| Assets per employee ($millions) | 4.0101% | 3,865 |
| Cash dividends to net income (ytd only)* | 30.8483% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 4,872 |
| Loan loss allowance to noncurrent loans | 5,370.0000% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 5,834 |
| Noncurrent loans to loans | 0.0186% | 5,689 |
| Net loans and leases to total assets | 79.8277% | 822 |
| Net loans and leases to deposits | 89.1230% | 1,703 |
| Net loans and leases to core deposits | 96.6645% | 1,746 |
| Total domestic deposits to total assets | 89.5703% | 862 |
| Equity capital to assets | 8.9719% | 5,261 |
| Core capital (leverage) ratio | 9.0350% | 4,913 |
| Tier 1 risk-based capital ratio | 10.6079% | 5,878 |
| Total risk-based capital ratio | 11.5677% | 5,933 |
| Memoranda: | ||
| Average total assets | $324,155,000 | 2,051 |
| Average earning assets | $307,925,000 | 1,996 |
| Average equity | $29,471,000 | 2,378 |
| Average total loans | $262,765,330 | 1,668 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8549% | 770 |
| Cost of funding earning assets | 0.3331% | 4,062 |
| Net interest margin | 4.5218% | 583 |
| Noninterest income to average assets | 0.4965% | 3,309 |
| Noninterest expense to average assets | 3.2644% | 1,809 |
| Loan and lease loss provision to assets | 0.1076% | 1,910 |
| Net operating income to assets | 0.9343% | 2,587 |
| Return on assets (ROA) | 0.9343% | 2,714 |
| Pretax return on assets | 1.4196% | 1,814 |
| Return on Equity (ROE) | 10.2065% | 1,909 |
| Retained earnings to average equity (ytd only) | 10.2065% | 871 |
| Net charge-offs to loans | 0.0031% | 3,215 |
| Credit loss provision to net charge-offs | 4,300.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 610.5000% | 86 |
| Efficiency ratio | 68.1284% | 3,806 |
| Assets per employee ($millions) | 4.1669% | 3,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9831% | 5,117 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 80.5981% | 620 |
| Net loans and leases to deposits | 93.8023% | 1,002 |
| Net loans and leases to core deposits | 102.4947% | 1,147 |
| Total domestic deposits to total assets | 85.9233% | 2,982 |
| Equity capital to assets | 9.1490% | 5,138 |
| Core capital (leverage) ratio | 9.2671% | 4,631 |
| Tier 1 risk-based capital ratio | 10.6188% | 5,975 |
| Total risk-based capital ratio | 11.5599% | 6,022 |
| Memoranda: | ||
| Average total assets | $319,813,500 | 2,088 |
| Average earning assets | $303,774,500 | 2,028 |
| Average equity | $29,275,500 | 2,413 |
| Average total loans | $259,957,000 | 1,685 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9940% | 784 |
| Cost of funding earning assets | 0.3508% | 4,241 |
| Net interest margin | 4.6432% | 575 |
| Noninterest income to average assets | 0.5653% | 3,087 |
| Noninterest expense to average assets | 3.3683% | 1,763 |
| Loan and lease loss provision to assets | 0.0948% | 2,570 |
| Net operating income to assets | 0.9743% | 2,507 |
| Return on assets (ROA) | 0.9739% | 2,588 |
| Pretax return on assets | 1.4806% | 1,614 |
| Return on Equity (ROE) | 10.7840% | 1,792 |
| Retained earnings to average equity (ytd only) | 7.2726% | 1,288 |
| Net charge-offs to loans | -0.0012% | 5,352 |
| Credit loss provision to net charge-offs | -9,666.6667% | 6,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1235% | 3,880 |
| Assets per employee ($millions) | 4.1396% | 3,648 |
| Cash dividends to net income (ytd only)* | 32.5613% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9857% | 5,134 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 80.3657% | 693 |
| Net loans and leases to deposits | 91.3927% | 1,356 |
| Net loans and leases to core deposits | 99.6889% | 1,412 |
| Total domestic deposits to total assets | 87.9345% | 1,812 |
| Equity capital to assets | 9.1590% | 5,120 |
| Core capital (leverage) ratio | 9.0333% | 4,944 |
| Tier 1 risk-based capital ratio | 10.9799% | 5,913 |
| Total risk-based capital ratio | 11.9462% | 5,968 |
| Memoranda: | ||
| Average total assets | $305,879,200 | 2,127 |
| Average earning assets | $288,483,600 | 2,074 |
| Average equity | $27,624,200 | 2,436 |
| Average total loans | $245,943,000 | 1,714 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9866% | 789 |
| Cost of funding earning assets | 0.3506% | 4,338 |
| Net interest margin | 4.6361% | 574 |
| Noninterest income to average assets | 0.5747% | 3,032 |
| Noninterest expense to average assets | 3.3748% | 1,724 |
| Loan and lease loss provision to assets | 0.1273% | 1,969 |
| Net operating income to assets | 0.9467% | 2,700 |
| Return on assets (ROA) | 0.9461% | 2,791 |
| Pretax return on assets | 1.4378% | 1,858 |
| Return on Equity (ROE) | 10.5146% | 1,991 |
| Retained earnings to average equity (ytd only) | 8.4409% | 1,173 |
| Net charge-offs to loans | -0.0016% | 5,179 |
| Credit loss provision to net charge-offs | -9,666.6667% | 6,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3046% | 3,804 |
| Assets per employee ($millions) | 4.0966% | 3,677 |
| Cash dividends to net income (ytd only)* | 19.7215% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0085% | 5,175 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 78.3227% | 925 |
| Net loans and leases to deposits | 89.0954% | 1,538 |
| Net loans and leases to core deposits | 95.3218% | 1,731 |
| Total domestic deposits to total assets | 87.9088% | 1,810 |
| Equity capital to assets | 8.9448% | 5,410 |
| Core capital (leverage) ratio | 9.0295% | 5,034 |
| Tier 1 risk-based capital ratio | 11.0170% | 5,986 |
| Total risk-based capital ratio | 11.9961% | 6,065 |
| Memoranda: | ||
| Average total assets | $303,697,000 | 2,150 |
| Average earning assets | $286,012,000 | 2,103 |
| Average equity | $27,326,500 | 2,466 |
| Average total loans | $243,590,250 | 1,743 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0249% | 718 |
| Cost of funding earning assets | 0.3499% | 4,438 |
| Net interest margin | 4.6750% | 515 |
| Noninterest income to average assets | 0.5811% | 2,923 |
| Noninterest expense to average assets | 3.4351% | 1,605 |
| Loan and lease loss provision to assets | 0.1374% | 1,802 |
| Net operating income to assets | 0.9224% | 2,693 |
| Return on assets (ROA) | 0.9220% | 2,796 |
| Pretax return on assets | 1.4017% | 1,883 |
| Return on Equity (ROE) | 10.2256% | 2,046 |
| Retained earnings to average equity (ytd only) | 8.0058% | 1,331 |
| Net charge-offs to loans | -0.0041% | 5,146 |
| Credit loss provision to net charge-offs | -4,120.0000% | 5,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0492% | 3,829 |
| Assets per employee ($millions) | 4.0293% | 3,780 |
| Cash dividends to net income (ytd only)* | 21.7077% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 5,325 |
| Loan loss allowance to noncurrent loans | 244.7236% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.3249% | 5,079 |
| Noncurrent loans to loans | 0.4107% | 4,758 |
| Net loans and leases to total assets | 78.3163% | 870 |
| Net loans and leases to deposits | 88.4447% | 1,542 |
| Net loans and leases to core deposits | 94.7154% | 1,714 |
| Total domestic deposits to total assets | 88.5483% | 1,608 |
| Equity capital to assets | 9.0534% | 5,245 |
| Core capital (leverage) ratio | 9.1245% | 4,845 |
| Tier 1 risk-based capital ratio | 11.0548% | 6,028 |
| Total risk-based capital ratio | 12.0276% | 6,088 |
| Memoranda: | ||
| Average total assets | $299,784,000 | 2,178 |
| Average earning assets | $281,755,670 | 2,127 |
| Average equity | $27,030,330 | 2,476 |
| Average total loans | $241,595,330 | 1,750 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0012% | 714 |
| Cost of funding earning assets | 0.3502% | 4,540 |
| Net interest margin | 4.6510% | 506 |
| Noninterest income to average assets | 0.5382% | 3,123 |
| Noninterest expense to average assets | 3.4515% | 1,587 |
| Loan and lease loss provision to assets | 0.1605% | 1,517 |
| Net operating income to assets | 0.8538% | 2,878 |
| Return on assets (ROA) | 0.8538% | 2,948 |
| Pretax return on assets | 1.2975% | 2,103 |
| Return on Equity (ROE) | 9.4890% | 2,254 |
| Retained earnings to average equity (ytd only) | 9.4890% | 1,108 |
| Net charge-offs to loans | 0.0381% | 2,848 |
| Credit loss provision to net charge-offs | 517.3913% | 524 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 788 |
| Efficiency ratio | 70.3022% | 3,780 |
| Assets per employee ($millions) | 3.9552% | 4,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 5,698 |
| Loan loss allowance to noncurrent loans | 13,647.0588% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0872% | 5,987 |
| Noncurrent loans to loans | 0.0070% | 6,163 |
| Net loans and leases to total assets | 80.3655% | 508 |
| Net loans and leases to deposits | 90.4267% | 1,100 |
| Net loans and leases to core deposits | 96.7434% | 1,330 |
| Total domestic deposits to total assets | 88.8737% | 1,740 |
| Equity capital to assets | 9.0122% | 5,104 |
| Core capital (leverage) ratio | 9.1343% | 4,818 |
| Tier 1 risk-based capital ratio | 10.8524% | 6,218 |
| Total risk-based capital ratio | 11.7772% | 6,290 |
| Memoranda: | ||
| Average total assets | $296,563,000 | 2,194 |
| Average earning assets | $278,733,500 | 2,154 |
| Average equity | $26,683,500 | 2,490 |
| Average total loans | $241,263,000 | 1,754 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9613% | 992 |
| Cost of funding earning assets | 0.3620% | 5,030 |
| Net interest margin | 4.5993% | 613 |
| Noninterest income to average assets | 0.5694% | 3,275 |
| Noninterest expense to average assets | 3.5086% | 1,628 |
| Loan and lease loss provision to assets | 0.0460% | 4,198 |
| Net operating income to assets | 0.8799% | 2,881 |
| Return on assets (ROA) | 0.9170% | 2,780 |
| Pretax return on assets | 1.3931% | 1,804 |
| Return on Equity (ROE) | 10.1085% | 2,069 |
| Retained earnings to average equity (ytd only) | 6.7416% | 1,560 |
| Net charge-offs to loans | 0.0259% | 4,901 |
| Credit loss provision to net charge-offs | 225.8621% | 1,011 |
| Earnings coverage of net charge-offs (x) | 67.9138% | 621 |
| Efficiency ratio | 71.7290% | 3,525 |
| Assets per employee ($millions) | 3.7991% | 4,265 |
| Cash dividends to net income (ytd only)* | 33.3078% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9320% | 5,815 |
| Loan loss allowance to noncurrent loans | 2,443.9560% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.1149% | 5,987 |
| Noncurrent loans to loans | 0.0381% | 6,133 |
| Net loans and leases to total assets | 80.8145% | 515 |
| Net loans and leases to deposits | 92.5102% | 1,005 |
| Net loans and leases to core deposits | 99.5930% | 1,192 |
| Total domestic deposits to total assets | 87.3573% | 2,550 |
| Equity capital to assets | 8.9826% | 5,054 |
| Core capital (leverage) ratio | 9.1767% | 4,753 |
| Tier 1 risk-based capital ratio | 10.9739% | 6,185 |
| Total risk-based capital ratio | 11.8917% | 6,271 |
| Memoranda: | ||
| Average total assets | $284,840,200 | 2,234 |
| Average earning assets | $267,670,800 | 2,203 |
| Average equity | $25,839,600 | 2,560 |
| Average total loans | $223,760,400 | 1,830 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8907% | 1,141 |
| Cost of funding earning assets | 0.3623% | 5,172 |
| Net interest margin | 4.5284% | 700 |
| Noninterest income to average assets | 0.5962% | 3,170 |
| Noninterest expense to average assets | 3.5044% | 1,603 |
| Loan and lease loss provision to assets | 0.0259% | 4,490 |
| Net operating income to assets | 0.8722% | 2,982 |
| Return on assets (ROA) | 0.9223% | 2,838 |
| Pretax return on assets | 1.4006% | 1,925 |
| Return on Equity (ROE) | 10.1409% | 2,128 |
| Retained earnings to average equity (ytd only) | 7.3427% | 1,713 |
| Net charge-offs to loans | 0.0321% | 4,492 |
| Credit loss provision to net charge-offs | 103.7736% | 2,258 |
| Earnings coverage of net charge-offs (x) | 54.0793% | 817 |
| Efficiency ratio | 72.1802% | 3,371 |
| Assets per employee ($millions) | 3.8311% | 4,167 |
| Cash dividends to net income (ytd only)* | 27.5932% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9371% | 5,955 |
| Loan loss allowance to noncurrent loans | 43,060.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.1528% | 5,987 |
| Noncurrent loans to loans | 0.0022% | 6,392 |
| Net loans and leases to total assets | 78.1677% | 731 |
| Net loans and leases to deposits | 88.4062% | 1,324 |
| Net loans and leases to core deposits | 94.9162% | 1,487 |
| Total domestic deposits to total assets | 88.4187% | 1,882 |
| Equity capital to assets | 8.9789% | 5,212 |
| Core capital (leverage) ratio | 9.0254% | 5,090 |
| Tier 1 risk-based capital ratio | 11.1353% | 6,222 |
| Total risk-based capital ratio | 12.0480% | 6,328 |
| Memoranda: | ||
| Average total assets | $282,917,000 | 2,261 |
| Average earning assets | $266,078,000 | 2,216 |
| Average equity | $25,730,250 | 2,599 |
| Average total loans | $220,042,250 | 1,863 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8358% | 1,252 |
| Cost of funding earning assets | 0.3648% | 5,271 |
| Net interest margin | 4.4710% | 753 |
| Noninterest income to average assets | 0.6782% | 2,751 |
| Noninterest expense to average assets | 3.5486% | 1,507 |
| Loan and lease loss provision to assets | 0.0393% | 4,164 |
| Net operating income to assets | 0.8545% | 3,022 |
| Return on assets (ROA) | 0.9309% | 2,793 |
| Pretax return on assets | 1.4141% | 1,880 |
| Return on Equity (ROE) | 10.1904% | 2,129 |
| Retained earnings to average equity (ytd only) | 6.9082% | 1,925 |
| Net charge-offs to loans | 0.0443% | 4,064 |
| Credit loss provision to net charge-offs | 114.5833% | 1,927 |
| Earnings coverage of net charge-offs (x) | 39.0417% | 945 |
| Efficiency ratio | 72.6224% | 3,367 |
| Assets per employee ($millions) | 3.6590% | 4,500 |
| Cash dividends to net income (ytd only)* | 32.2086% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9747% | 5,911 |
| Loan loss allowance to noncurrent loans | 53,950.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.2498% | 5,738 |
| Noncurrent loans to loans | 0.0018% | 6,461 |
| Net loans and leases to total assets | 76.8185% | 885 |
| Net loans and leases to deposits | 85.9126% | 1,582 |
| Net loans and leases to core deposits | 92.5302% | 1,653 |
| Total domestic deposits to total assets | 89.4147% | 1,371 |
| Equity capital to assets | 8.9988% | 5,220 |
| Core capital (leverage) ratio | 9.0135% | 4,962 |
| Tier 1 risk-based capital ratio | 11.2358% | 6,230 |
| Total risk-based capital ratio | 12.1780% | 6,335 |
| Memoranda: | ||
| Average total assets | $280,169,330 | 2,291 |
| Average earning assets | $263,699,330 | 2,235 |
| Average equity | $25,592,670 | 2,616 |
| Average total loans | $216,807,670 | 1,882 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9355% | 999 |
| Cost of funding earning assets | 0.3709% | 5,357 |
| Net interest margin | 4.5646% | 598 |
| Noninterest income to average assets | 0.7609% | 2,290 |
| Noninterest expense to average assets | 3.6635% | 1,309 |
| Loan and lease loss provision to assets | 0.0793% | 3,319 |
| Net operating income to assets | 0.8619% | 2,856 |
| Return on assets (ROA) | 1.0160% | 2,276 |
| Pretax return on assets | 1.5435% | 1,442 |
| Return on Equity (ROE) | 11.0383% | 1,694 |
| Retained earnings to average equity (ytd only) | 9.1594% | 1,329 |
| Net charge-offs to loans | 0.0541% | 3,283 |
| Credit loss provision to net charge-offs | 189.6552% | 1,140 |
| Earnings coverage of net charge-offs (x) | 33.2414% | 907 |
| Efficiency ratio | 72.5043% | 3,517 |
| Assets per employee ($millions) | 3.8303% | 4,294 |
| Cash dividends to net income (ytd only)* | 17.0213% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0133% | 5,940 |
| Loan loss allowance to noncurrent loans | 6,220.0000% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 5,780 |
| Noncurrent loans to loans | 0.0163% | 6,450 |
| Net loans and leases to total assets | 75.0280% | 959 |
| Net loans and leases to deposits | 83.9455% | 1,606 |
| Net loans and leases to core deposits | 90.3544% | 1,669 |
| Total domestic deposits to total assets | 89.3770% | 1,436 |
| Equity capital to assets | 9.0700% | 5,404 |
| Core capital (leverage) ratio | 9.0691% | 4,772 |
| Tier 1 risk-based capital ratio | 11.4412% | 6,216 |
| Total risk-based capital ratio | 12.4205% | 6,312 |
| Memoranda: | ||
| Average total assets | $277,552,000 | 2,328 |
| Average earning assets | $260,964,500 | 2,284 |
| Average equity | $25,547,500 | 2,657 |
| Average total loans | $214,511,000 | 1,912 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0748% | 1,364 |
| Cost of funding earning assets | 0.4903% | 5,286 |
| Net interest margin | 4.5845% | 806 |
| Noninterest income to average assets | 0.6463% | 3,012 |
| Noninterest expense to average assets | 3.5643% | 1,691 |
| Loan and lease loss provision to assets | 0.1257% | 4,043 |
| Net operating income to assets | 0.8225% | 3,173 |
| Return on assets (ROA) | 0.8518% | 3,283 |
| Pretax return on assets | 1.2934% | 2,439 |
| Return on Equity (ROE) | 9.4779% | 2,416 |
| Retained earnings to average equity (ytd only) | 6.0524% | 2,047 |
| Net charge-offs to loans | 0.1314% | 4,362 |
| Credit loss provision to net charge-offs | 125.4545% | 2,256 |
| Earnings coverage of net charge-offs (x) | 13.7200% | 1,794 |
| Efficiency ratio | 72.1673% | 3,385 |
| Assets per employee ($millions) | 3.6711% | 4,624 |
| Cash dividends to net income (ytd only)* | 36.1420% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 5,945 |
| Loan loss allowance to noncurrent loans | 9,352.1739% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.2768% | 5,860 |
| Noncurrent loans to loans | 0.0107% | 6,533 |
| Net loans and leases to total assets | 78.0504% | 671 |
| Net loans and leases to deposits | 88.0204% | 1,272 |
| Net loans and leases to core deposits | 94.7287% | 1,405 |
| Total domestic deposits to total assets | 88.6731% | 1,788 |
| Equity capital to assets | 9.3450% | 5,090 |
| Core capital (leverage) ratio | 8.8525% | 5,095 |
| Tier 1 risk-based capital ratio | 11.3304% | 6,196 |
| Total risk-based capital ratio | 12.3112% | 6,291 |
| Memoranda: | ||
| Average total assets | $274,474,800 | 2,308 |
| Average earning assets | $256,995,200 | 2,262 |
| Average equity | $24,667,800 | 2,692 |
| Average total loans | $209,303,600 | 1,925 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0349% | 1,597 |
| Cost of funding earning assets | 0.5229% | 5,290 |
| Net interest margin | 4.5120% | 966 |
| Noninterest income to average assets | 0.6197% | 3,156 |
| Noninterest expense to average assets | 3.5884% | 1,576 |
| Loan and lease loss provision to assets | 0.0596% | 4,981 |
| Net operating income to assets | 0.7924% | 3,490 |
| Return on assets (ROA) | 0.8314% | 3,541 |
| Pretax return on assets | 1.2617% | 2,744 |
| Return on Equity (ROE) | 9.3431% | 2,655 |
| Retained earnings to average equity (ytd only) | 6.4846% | 2,384 |
| Net charge-offs to loans | 0.0173% | 5,437 |
| Credit loss provision to net charge-offs | 455.5556% | 586 |
| Earnings coverage of net charge-offs (x) | 96.4792% | 436 |
| Efficiency ratio | 73.9786% | 2,989 |
| Assets per employee ($millions) | 3.8958% | 4,096 |
| Cash dividends to net income (ytd only)* | 30.5943% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 6,051 |
| Loan loss allowance to noncurrent loans | 459.2827% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.4406% | 5,564 |
| Noncurrent loans to loans | 0.2193% | 6,063 |
| Net loans and leases to total assets | 75.2224% | 1,088 |
| Net loans and leases to deposits | 84.9020% | 1,746 |
| Net loans and leases to core deposits | 91.2758% | 1,850 |
| Total domestic deposits to total assets | 88.5991% | 1,659 |
| Equity capital to assets | 8.8642% | 5,964 |
| Core capital (leverage) ratio | 8.9256% | 5,159 |
| Tier 1 risk-based capital ratio | 11.0145% | 6,475 |
| Total risk-based capital ratio | 11.9914% | 6,574 |
| Memoranda: | ||
| Average total assets | $275,177,750 | 2,329 |
| Average earning assets | $258,031,500 | 2,272 |
| Average equity | $24,488,000 | 2,735 |
| Average total loans | $208,083,250 | 1,956 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0828% | 1,556 |
| Cost of funding earning assets | 0.5679% | 5,163 |
| Net interest margin | 4.5149% | 964 |
| Noninterest income to average assets | 0.5968% | 3,275 |
| Noninterest expense to average assets | 3.6052% | 1,570 |
| Loan and lease loss provision to assets | 0.0294% | 5,299 |
| Net operating income to assets | 0.7864% | 3,445 |
| Return on assets (ROA) | 0.8048% | 3,631 |
| Pretax return on assets | 1.2208% | 2,834 |
| Return on Equity (ROE) | 9.0318% | 2,802 |
| Retained earnings to average equity (ytd only) | 5.7325% | 2,864 |
| Net charge-offs to loans | 0.0039% | 5,454 |
| Credit loss provision to net charge-offs | 1,000.0000% | 319 |
| Earnings coverage of net charge-offs (x) | 415.7500% | 101 |
| Efficiency ratio | 74.6803% | 2,954 |
| Assets per employee ($millions) | 3.8118% | 4,284 |
| Cash dividends to net income (ytd only)* | 36.5297% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0197% | 6,075 |
| Loan loss allowance to noncurrent loans | 940.4444% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.3039% | 6,007 |
| Noncurrent loans to loans | 0.1084% | 6,395 |
| Net loans and leases to total assets | 74.8413% | 1,124 |
| Net loans and leases to deposits | 84.6652% | 1,765 |
| Net loans and leases to core deposits | 91.5355% | 1,817 |
| Total domestic deposits to total assets | 88.3968% | 1,889 |
| Equity capital to assets | 8.9874% | 5,714 |
| Core capital (leverage) ratio | 8.7322% | 5,331 |
| Tier 1 risk-based capital ratio | 11.3504% | 6,312 |
| Total risk-based capital ratio | 12.3490% | 6,423 |
| Memoranda: | ||
| Average total assets | $272,107,000 | 2,357 |
| Average earning assets | $254,976,670 | 2,310 |
| Average equity | $24,247,670 | 2,742 |
| Average total loans | $205,410,330 | 1,978 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1293% | 1,497 |
| Cost of funding earning assets | 0.5878% | 5,228 |
| Net interest margin | 4.5415% | 939 |
| Noninterest income to average assets | 0.5714% | 3,414 |
| Noninterest expense to average assets | 3.6082% | 1,543 |
| Loan and lease loss provision to assets | 0.0591% | 4,672 |
| Net operating income to assets | 0.7633% | 3,553 |
| Return on assets (ROA) | 0.7633% | 3,789 |
| Pretax return on assets | 1.1589% | 3,074 |
| Return on Equity (ROE) | 8.6029% | 2,996 |
| Retained earnings to average equity (ytd only) | 6.5229% | 2,671 |
| Net charge-offs to loans | 0.0059% | 4,668 |
| Credit loss provision to net charge-offs | 1,333.3333% | 261 |
| Earnings coverage of net charge-offs (x) | 275.0000% | 122 |
| Efficiency ratio | 74.7629% | 2,981 |
| Assets per employee ($millions) | 3.7448% | 4,550 |
| Cash dividends to net income (ytd only)* | 24.1779% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 6,141 |
| Loan loss allowance to noncurrent loans | 193.6871% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.6142% | 5,359 |
| Noncurrent loans to loans | 0.5334% | 5,598 |
| Net loans and leases to total assets | 73.1844% | 1,189 |
| Net loans and leases to deposits | 81.9007% | 1,947 |
| Net loans and leases to core deposits | 88.6076% | 1,989 |
| Total domestic deposits to total assets | 89.3575% | 1,451 |
| Equity capital to assets | 8.7310% | 5,838 |
| Core capital (leverage) ratio | 8.7437% | 5,217 |
| Tier 1 risk-based capital ratio | 11.3051% | 6,386 |
| Total risk-based capital ratio | 12.3129% | 6,492 |
| Memoranda: | ||
| Average total assets | $270,935,500 | 2,374 |
| Average earning assets | $253,836,000 | 2,333 |
| Average equity | $24,038,500 | 2,765 |
| Average total loans | $204,356,500 | 1,987 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2368% | 1,921 |
| Cost of funding earning assets | 0.6987% | 5,553 |
| Net interest margin | 4.5382% | 1,049 |
| Noninterest income to average assets | 0.7289% | 2,450 |
| Noninterest expense to average assets | 3.6162% | 1,712 |
| Loan and lease loss provision to assets | 0.1440% | 4,811 |
| Net operating income to assets | 0.7987% | 3,038 |
| Return on assets (ROA) | 0.7987% | 3,204 |
| Pretax return on assets | 1.2111% | 2,417 |
| Return on Equity (ROE) | 9.1470% | 2,388 |
| Retained earnings to average equity (ytd only) | 5.9996% | 2,016 |
| Net charge-offs to loans | 0.1476% | 4,966 |
| Credit loss provision to net charge-offs | 127.0903% | 2,446 |
| Earnings coverage of net charge-offs (x) | 11.9565% | 1,667 |
| Efficiency ratio | 72.7411% | 3,443 |
| Assets per employee ($millions) | 3.6268% | 4,711 |
| Cash dividends to net income (ytd only)* | 34.4091% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0211% | 6,113 |
| Loan loss allowance to noncurrent loans | 954.5872% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.3124% | 6,199 |
| Noncurrent loans to loans | 0.1070% | 6,544 |
| Net loans and leases to total assets | 76.1871% | 923 |
| Net loans and leases to deposits | 85.3600% | 1,754 |
| Net loans and leases to core deposits | 94.0820% | 1,687 |
| Total domestic deposits to total assets | 89.2539% | 1,397 |
| Equity capital to assets | 9.0204% | 5,527 |
| Core capital (leverage) ratio | 8.6012% | 5,398 |
| Tier 1 risk-based capital ratio | 11.2013% | 6,350 |
| Total risk-based capital ratio | 12.1988% | 6,460 |
| Memoranda: | ||
| Average total assets | $263,811,600 | 2,394 |
| Average earning assets | $246,618,200 | 2,339 |
| Average equity | $23,034,800 | 2,780 |
| Average total loans | $202,531,000 | 2,021 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2271% | 2,100 |
| Cost of funding earning assets | 0.7183% | 5,659 |
| Net interest margin | 4.5089% | 1,129 |
| Noninterest income to average assets | 0.7476% | 2,327 |
| Noninterest expense to average assets | 3.6735% | 1,555 |
| Loan and lease loss provision to assets | 0.1406% | 4,681 |
| Net operating income to assets | 0.7568% | 3,358 |
| Return on assets (ROA) | 0.7568% | 3,520 |
| Pretax return on assets | 1.1473% | 2,833 |
| Return on Equity (ROE) | 8.7395% | 2,716 |
| Retained earnings to average equity (ytd only) | 6.3735% | 2,311 |
| Net charge-offs to loans | 0.1853% | 4,316 |
| Credit loss provision to net charge-offs | 98.9324% | 3,454 |
| Earnings coverage of net charge-offs (x) | 9.0604% | 2,098 |
| Efficiency ratio | 74.0416% | 3,175 |
| Assets per employee ($millions) | 3.7257% | 4,477 |
| Cash dividends to net income (ytd only)* | 27.0723% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 6,375 |
| Loan loss allowance to noncurrent loans | 249.6250% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.5181% | 5,792 |
| Noncurrent loans to loans | 0.3903% | 6,075 |
| Net loans and leases to total assets | 74.6298% | 1,212 |
| Net loans and leases to deposits | 83.4895% | 2,092 |
| Net loans and leases to core deposits | 94.1080% | 1,783 |
| Total domestic deposits to total assets | 89.3883% | 1,201 |
| Equity capital to assets | 8.7056% | 6,079 |
| Core capital (leverage) ratio | 8.5089% | 5,701 |
| Tier 1 risk-based capital ratio | 10.9323% | 6,585 |
| Total risk-based capital ratio | 11.8789% | 6,711 |
| Memoranda: | ||
| Average total assets | $263,575,500 | 2,406 |
| Average earning assets | $246,323,500 | 2,346 |
| Average equity | $22,823,000 | 2,801 |
| Average total loans | $202,216,000 | 2,044 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2254% | 2,163 |
| Cost of funding earning assets | 0.7374% | 5,749 |
| Net interest margin | 4.4879% | 1,165 |
| Noninterest income to average assets | 0.7669% | 2,170 |
| Noninterest expense to average assets | 3.7227% | 1,484 |
| Loan and lease loss provision to assets | 0.1357% | 4,613 |
| Net operating income to assets | 0.7255% | 3,411 |
| Return on assets (ROA) | 0.7255% | 3,534 |
| Pretax return on assets | 1.0998% | 2,849 |
| Return on Equity (ROE) | 8.3946% | 2,770 |
| Retained earnings to average equity (ytd only) | 5.9099% | 2,484 |
| Net charge-offs to loans | 0.2385% | 3,695 |
| Credit loss provision to net charge-offs | 73.7500% | 3,956 |
| Earnings coverage of net charge-offs (x) | 6.7125% | 2,348 |
| Efficiency ratio | 75.0812% | 3,167 |
| Assets per employee ($millions) | 3.6177% | 4,645 |
| Cash dividends to net income (ytd only)* | 29.5983% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9656% | 6,464 |
| Loan loss allowance to noncurrent loans | 141.0779% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.7403% | 5,430 |
| Noncurrent loans to loans | 0.6845% | 5,539 |
| Net loans and leases to total assets | 74.2051% | 1,374 |
| Net loans and leases to deposits | 84.0943% | 2,094 |
| Net loans and leases to core deposits | 94.6116% | 1,834 |
| Total domestic deposits to total assets | 88.2403% | 1,995 |
| Equity capital to assets | 8.5756% | 6,090 |
| Core capital (leverage) ratio | 8.7568% | 5,124 |
| Tier 1 risk-based capital ratio | 11.0477% | 6,489 |
| Total risk-based capital ratio | 11.9929% | 6,671 |
| Memoranda: | ||
| Average total assets | $260,776,330 | 2,450 |
| Average earning assets | $243,542,000 | 2,384 |
| Average equity | $22,538,330 | 2,810 |
| Average total loans | $201,298,000 | 2,072 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2434% | 2,079 |
| Cost of funding earning assets | 0.7750% | 5,716 |
| Net interest margin | 4.4685% | 1,137 |
| Noninterest income to average assets | 0.7913% | 2,065 |
| Noninterest expense to average assets | 3.7605% | 1,418 |
| Loan and lease loss provision to assets | 0.1523% | 4,120 |
| Net operating income to assets | 0.6964% | 3,529 |
| Return on assets (ROA) | 0.6964% | 3,593 |
| Pretax return on assets | 1.0555% | 2,922 |
| Return on Equity (ROE) | 8.0256% | 2,899 |
| Retained earnings to average equity (ytd only) | 8.0256% | 1,722 |
| Net charge-offs to loans | 0.4205% | 2,427 |
| Credit loss provision to net charge-offs | 46.2264% | 3,832 |
| Earnings coverage of net charge-offs (x) | 3.6651% | 2,673 |
| Efficiency ratio | 75.6884% | 3,210 |
| Assets per employee ($millions) | 3.5597% | 4,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9274% | 6,629 |
| Loan loss allowance to noncurrent loans | 701.1152% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.3333% | 6,362 |
| Noncurrent loans to loans | 0.1323% | 6,716 |
| Net loans and leases to total assets | 76.4877% | 961 |
| Net loans and leases to deposits | 87.1312% | 1,575 |
| Net loans and leases to core deposits | 99.1453% | 1,415 |
| Total domestic deposits to total assets | 87.7845% | 2,496 |
| Equity capital to assets | 8.5597% | 5,827 |
| Core capital (leverage) ratio | 8.6671% | 5,146 |
| Tier 1 risk-based capital ratio | 10.8803% | 6,584 |
| Total risk-based capital ratio | 11.7955% | 6,772 |
| Memoranda: | ||
| Average total assets | $257,308,500 | 2,497 |
| Average earning assets | $240,530,500 | 2,443 |
| Average equity | $22,328,500 | 2,825 |
| Average total loans | $201,650,500 | 2,093 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5234% | 2,192 |
| Cost of funding earning assets | 0.8168% | 6,495 |
| Net interest margin | 4.7066% | 806 |
| Noninterest income to average assets | 0.8976% | 1,856 |
| Noninterest expense to average assets | 3.8487% | 1,392 |
| Loan and lease loss provision to assets | 0.1926% | 5,304 |
| Net operating income to assets | 0.8122% | 2,744 |
| Return on assets (ROA) | 0.8122% | 2,877 |
| Pretax return on assets | 1.2310% | 2,137 |
| Return on Equity (ROE) | 9.1409% | 2,237 |
| Retained earnings to average equity (ytd only) | 6.4280% | 1,601 |
| Net charge-offs to loans | 0.1307% | 5,596 |
| Credit loss provision to net charge-offs | 178.1609% | 1,864 |
| Earnings coverage of net charge-offs (x) | 13.1686% | 1,435 |
| Efficiency ratio | 72.9987% | 3,595 |
| Assets per employee ($millions) | 3.3946% | 5,186 |
| Cash dividends to net income (ytd only)* | 29.6787% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 6,384 |
| Loan loss allowance to noncurrent loans | 400.0000% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.3272% | 6,427 |
| Noncurrent loans to loans | 0.2501% | 6,565 |
| Net loans and leases to total assets | 78.7951% | 837 |
| Net loans and leases to deposits | 89.7292% | 1,561 |
| Net loans and leases to core deposits | 101.1379% | 1,525 |
| Total domestic deposits to total assets | 87.8143% | 2,360 |
| Equity capital to assets | 8.8015% | 5,430 |
| Core capital (leverage) ratio | 8.6612% | 5,090 |
| Tier 1 risk-based capital ratio | 10.8038% | 6,483 |
| Total risk-based capital ratio | 11.7871% | 6,651 |
| Memoranda: | ||
| Average total assets | $241,430,000 | 2,621 |
| Average earning assets | $224,409,000 | 2,576 |
| Average equity | $21,453,000 | 2,955 |
| Average total loans | $199,700,800 | 2,157 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5811% | 2,139 |
| Cost of funding earning assets | 0.8172% | 6,702 |
| Net interest margin | 4.7639% | 725 |
| Noninterest income to average assets | 0.9334% | 1,676 |
| Noninterest expense to average assets | 3.9036% | 1,197 |
| Loan and lease loss provision to assets | 0.2522% | 4,569 |
| Net operating income to assets | 0.7900% | 3,043 |
| Return on assets (ROA) | 0.7900% | 3,209 |
| Pretax return on assets | 1.1972% | 2,499 |
| Return on Equity (ROE) | 8.8682% | 2,534 |
| Retained earnings to average equity (ytd only) | 7.0395% | 1,826 |
| Net charge-offs to loans | 0.1650% | 4,998 |
| Credit loss provision to net charge-offs | 182.9960% | 1,989 |
| Earnings coverage of net charge-offs (x) | 10.5181% | 1,875 |
| Efficiency ratio | 72.9234% | 3,541 |
| Assets per employee ($millions) | 3.3790% | 5,259 |
| Cash dividends to net income (ytd only)* | 20.6213% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 6,441 |
| Loan loss allowance to noncurrent loans | 1,626.8293% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.1674% | 6,939 |
| Noncurrent loans to loans | 0.0608% | 7,088 |
| Net loans and leases to total assets | 81.1432% | 601 |
| Net loans and leases to deposits | 92.9773% | 1,334 |
| Net loans and leases to core deposits | 104.0837% | 1,478 |
| Total domestic deposits to total assets | 87.2720% | 2,388 |
| Equity capital to assets | 8.8714% | 5,743 |
| Core capital (leverage) ratio | 8.8707% | 4,892 |
| Tier 1 risk-based capital ratio | 10.6152% | 6,696 |
| Total risk-based capital ratio | 11.5932% | 6,868 |
| Memoranda: | ||
| Average total assets | $238,988,250 | 2,681 |
| Average earning assets | $221,719,750 | 2,646 |
| Average equity | $21,289,000 | 3,009 |
| Average total loans | $199,643,250 | 2,188 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6339% | 2,008 |
| Cost of funding earning assets | 0.8339% | 6,807 |
| Net interest margin | 4.7999% | 664 |
| Noninterest income to average assets | 0.9737% | 1,450 |
| Noninterest expense to average assets | 3.9412% | 1,115 |
| Loan and lease loss provision to assets | 0.2622% | 4,301 |
| Net operating income to assets | 0.8019% | 2,965 |
| Return on assets (ROA) | 0.8019% | 3,104 |
| Pretax return on assets | 1.2156% | 2,362 |
| Return on Equity (ROE) | 8.9896% | 2,471 |
| Retained earnings to average equity (ytd only) | 7.1689% | 1,763 |
| Net charge-offs to loans | 0.2394% | 4,165 |
| Credit loss provision to net charge-offs | 130.2521% | 3,089 |
| Earnings coverage of net charge-offs (x) | 7.3403% | 2,315 |
| Efficiency ratio | 72.7287% | 3,705 |
| Assets per employee ($millions) | 3.3673% | 5,270 |
| Cash dividends to net income (ytd only)* | 20.2532% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 6,645 |
| Loan loss allowance to noncurrent loans | 4,789.7436% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 7,371 |
| Noncurrent loans to loans | 0.0195% | 7,278 |
| Net loans and leases to total assets | 82.8398% | 451 |
| Net loans and leases to deposits | 96.2136% | 1,025 |
| Net loans and leases to core deposits | 109.5446% | 1,196 |
| Total domestic deposits to total assets | 86.0998% | 3,029 |
| Equity capital to assets | 8.9992% | 5,452 |
| Core capital (leverage) ratio | 9.1340% | 4,398 |
| Tier 1 risk-based capital ratio | 10.6019% | 6,605 |
| Total risk-based capital ratio | 11.5294% | 6,836 |
| Memoranda: | ||
| Average total assets | $236,428,000 | 2,736 |
| Average earning assets | $218,961,330 | 2,698 |
| Average equity | $21,091,000 | 3,026 |
| Average total loans | $198,805,670 | 2,227 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6669% | 1,898 |
| Cost of funding earning assets | 0.8684% | 6,876 |
| Net interest margin | 4.7985% | 648 |
| Noninterest income to average assets | 0.8813% | 1,698 |
| Noninterest expense to average assets | 3.9268% | 1,132 |
| Loan and lease loss provision to assets | 0.2348% | 4,162 |
| Net operating income to assets | 0.7639% | 3,138 |
| Return on assets (ROA) | 0.7639% | 3,250 |
| Pretax return on assets | 1.1569% | 2,525 |
| Return on Equity (ROE) | 8.6019% | 2,624 |
| Retained earnings to average equity (ytd only) | 8.6019% | 1,506 |
| Net charge-offs to loans | 0.4540% | 2,685 |
| Credit loss provision to net charge-offs | 61.3333% | 4,274 |
| Earnings coverage of net charge-offs (x) | 3.6356% | 2,843 |
| Efficiency ratio | 73.8324% | 3,598 |
| Assets per employee ($millions) | 3.2200% | 5,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8594% | 6,961 |
| Loan loss allowance to noncurrent loans | 3,884.0909% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.1349% | 7,146 |
| Noncurrent loans to loans | 0.0221% | 7,359 |
| Net loans and leases to total assets | 83.8709% | 386 |
| Net loans and leases to deposits | 96.3229% | 1,070 |
| Net loans and leases to core deposits | 105.5815% | 1,612 |
| Total domestic deposits to total assets | 87.0727% | 2,595 |
| Equity capital to assets | 8.9909% | 5,293 |
| Core capital (leverage) ratio | 8.9237% | 4,688 |
| Tier 1 risk-based capital ratio | 10.5390% | 6,599 |
| Total risk-based capital ratio | 11.3948% | 6,924 |
| Memoranda: | ||
| Average total assets | $235,104,000 | 2,813 |
| Average earning assets | $217,402,500 | 2,775 |
| Average equity | $20,879,000 | 3,080 |
| Average total loans | $198,249,500 | 2,292 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8837% | 2,308 |
| Cost of funding earning assets | 1.0893% | 7,010 |
| Net interest margin | 4.7944% | 704 |
| Noninterest income to average assets | 0.9549% | 1,726 |
| Noninterest expense to average assets | 4.1463% | 1,165 |
| Loan and lease loss provision to assets | 0.2298% | 5,534 |
| Net operating income to assets | 0.6599% | 3,100 |
| Return on assets (ROA) | 0.7075% | 2,968 |
| Pretax return on assets | 1.0698% | 2,346 |
| Return on Equity (ROE) | 8.5484% | 2,178 |
| Retained earnings to average equity (ytd only) | 6.3966% | 1,191 |
| Net charge-offs to loans | 0.1047% | 6,094 |
| Credit loss provision to net charge-offs | 258.7065% | 1,358 |
| Earnings coverage of net charge-offs (x) | 13.8209% | 1,399 |
| Efficiency ratio | 77.1565% | 3,336 |
| Assets per employee ($millions) | 3.2212% | 5,677 |
| Cash dividends to net income (ytd only)* | 25.1718% | 3,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9087% | 6,776 |
| Loan loss allowance to noncurrent loans | 655.4745% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.1165% | 7,195 |
| Noncurrent loans to loans | 0.1386% | 7,082 |
| Net loans and leases to total assets | 83.2867% | 512 |
| Net loans and leases to deposits | 96.0835% | 1,318 |
| Net loans and leases to core deposits | 127.6009% | 1,411 |
| Total domestic deposits to total assets | 86.6816% | 2,660 |
| Equity capital to assets | 8.7706% | 5,483 |
| Core capital (leverage) ratio | 8.9754% | 4,466 |
| Tier 1 risk-based capital ratio | 10.3973% | 6,499 |
| Total risk-based capital ratio | 11.3040% | 6,794 |
| Memoranda: | ||
| Average total assets | $226,296,800 | 2,866 |
| Average earning assets | $208,575,400 | 2,855 |
| Average equity | $18,728,600 | 3,389 |
| Average total loans | $192,030,000 | 2,379 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8933% | 2,479 |
| Cost of funding earning assets | 1.1286% | 7,102 |
| Net interest margin | 4.7647% | 731 |
| Noninterest income to average assets | 0.9556% | 1,761 |
| Noninterest expense to average assets | 4.2156% | 1,015 |
| Loan and lease loss provision to assets | 0.1993% | 5,398 |
| Net operating income to assets | 0.6173% | 3,545 |
| Return on assets (ROA) | 0.6813% | 3,332 |
| Pretax return on assets | 1.0288% | 2,811 |
| Return on Equity (ROE) | 8.3629% | 2,497 |
| Retained earnings to average equity (ytd only) | 6.8875% | 1,552 |
| Net charge-offs to loans | 0.1084% | 5,586 |
| Credit loss provision to net charge-offs | 216.1290% | 2,031 |
| Earnings coverage of net charge-offs (x) | 12.2646% | 1,777 |
| Efficiency ratio | 78.8449% | 3,021 |
| Assets per employee ($millions) | 3.3137% | 5,359 |
| Cash dividends to net income (ytd only)* | 17.6421% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8296% | 7,029 |
| Loan loss allowance to noncurrent loans | 3,068.5185% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 7,470 |
| Noncurrent loans to loans | 0.0270% | 7,454 |
| Net loans and leases to total assets | 83.0159% | 666 |
| Net loans and leases to deposits | 98.1696% | 1,309 |
| Net loans and leases to core deposits | 128.3260% | 1,555 |
| Total domestic deposits to total assets | 84.5638% | 3,446 |
| Equity capital to assets | 8.1194% | 6,720 |
| Core capital (leverage) ratio | 8.4330% | 5,609 |
| Tier 1 risk-based capital ratio | 9.6361% | 7,287 |
| Total risk-based capital ratio | 10.4617% | 7,530 |
| Memoranda: | ||
| Average total assets | $224,084,000 | 2,904 |
| Average earning assets | $206,512,000 | 2,901 |
| Average equity | $18,254,750 | 3,490 |
| Average total loans | $190,626,750 | 2,423 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9348% | 2,437 |
| Cost of funding earning assets | 1.1688% | 7,195 |
| Net interest margin | 4.7661% | 707 |
| Noninterest income to average assets | 0.9441% | 1,780 |
| Noninterest expense to average assets | 4.2445% | 1,019 |
| Loan and lease loss provision to assets | 0.2116% | 4,929 |
| Net operating income to assets | 0.5842% | 3,750 |
| Return on assets (ROA) | 0.6823% | 3,450 |
| Pretax return on assets | 1.0299% | 2,885 |
| Return on Equity (ROE) | 8.3658% | 2,624 |
| Retained earnings to average equity (ytd only) | 6.3862% | 1,851 |
| Net charge-offs to loans | 0.1578% | 4,617 |
| Credit loss provision to net charge-offs | 156.7568% | 2,933 |
| Earnings coverage of net charge-offs (x) | 8.0946% | 2,317 |
| Efficiency ratio | 79.5249% | 3,125 |
| Assets per employee ($millions) | 3.1360% | 5,753 |
| Cash dividends to net income (ytd only)* | 23.6631% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8202% | 7,085 |
| Loan loss allowance to noncurrent loans | 493.9873% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.1603% | 7,156 |
| Noncurrent loans to loans | 0.1660% | 7,111 |
| Net loans and leases to total assets | 83.6000% | 693 |
| Net loans and leases to deposits | 98.8671% | 1,410 |
| Net loans and leases to core deposits | 126.3865% | 1,832 |
| Total domestic deposits to total assets | 84.5579% | 3,472 |
| Equity capital to assets | 8.1420% | 6,572 |
| Core capital (leverage) ratio | 8.3170% | 5,766 |
| Tier 1 risk-based capital ratio | 9.6557% | 7,265 |
| Total risk-based capital ratio | 10.4718% | 7,579 |
| Memoranda: | ||
| Average total assets | $219,249,330 | 2,989 |
| Average earning assets | $202,095,670 | 2,976 |
| Average equity | $17,882,330 | 3,569 |
| Average total loans | $187,594,670 | 2,484 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9566% | 2,539 |
| Cost of funding earning assets | 1.2275% | 7,230 |
| Net interest margin | 4.7291% | 724 |
| Noninterest income to average assets | 0.9445% | 1,669 |
| Noninterest expense to average assets | 4.2727% | 877 |
| Loan and lease loss provision to assets | 0.2241% | 4,213 |
| Net operating income to assets | 0.5360% | 4,273 |
| Return on assets (ROA) | 0.7353% | 3,599 |
| Pretax return on assets | 1.1094% | 2,950 |
| Return on Equity (ROE) | 9.0066% | 2,717 |
| Retained earnings to average equity (ytd only) | 9.0066% | 1,480 |
| Net charge-offs to loans | 0.1224% | 3,997 |
| Credit loss provision to net charge-offs | 212.2807% | 2,122 |
| Earnings coverage of net charge-offs (x) | 9.7719% | 2,024 |
| Efficiency ratio | 80.5517% | 2,737 |
| Assets per employee ($millions) | 3.0156% | 6,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8165% | 7,097 |
| Loan loss allowance to noncurrent loans | 1,950.6329% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 7,439 |
| Noncurrent loans to loans | 0.0419% | 7,420 |
| Net loans and leases to total assets | 85.0337% | 548 |
| Net loans and leases to deposits | 99.9813% | 1,408 |
| Net loans and leases to core deposits | 125.7323% | 1,936 |
| Total domestic deposits to total assets | 85.0496% | 3,172 |
| Equity capital to assets | 8.0839% | 6,692 |
| Core capital (leverage) ratio | 8.1270% | 6,233 |
| Tier 1 risk-based capital ratio | 9.4501% | 7,468 |
| Total risk-based capital ratio | 10.2685% | 7,812 |
| Memoranda: | ||
| Average total assets | $215,978,000 | 3,042 |
| Average earning assets | $199,107,500 | 3,027 |
| Average equity | $17,631,500 | 3,617 |
| Average total loans | $186,230,500 | 2,516 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6120% | 2,428 |
| Cost of funding earning assets | 1.7461% | 7,145 |
| Net interest margin | 4.8660% | 680 |
| Noninterest income to average assets | 1.0485% | 1,430 |
| Noninterest expense to average assets | 4.2220% | 1,127 |
| Loan and lease loss provision to assets | 0.2762% | 4,180 |
| Net operating income to assets | 0.6515% | 4,099 |
| Return on assets (ROA) | 0.6668% | 3,883 |
| Pretax return on assets | 1.0031% | 3,372 |
| Return on Equity (ROE) | 8.0480% | 3,057 |
| Retained earnings to average equity (ytd only) | 6.8277% | 1,209 |
| Net charge-offs to loans | 0.0031% | 6,969 |
| Credit loss provision to net charge-offs | 11,200.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 509.4000% | 108 |
| Efficiency ratio | 77.0706% | 3,066 |
| Assets per employee ($millions) | 2.7870% | 6,586 |
| Cash dividends to net income (ytd only)* | 15.1627% | 4,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8039% | 7,090 |
| Loan loss allowance to noncurrent loans | 2,954.0000% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 7,393 |
| Noncurrent loans to loans | 0.0272% | 7,404 |
| Net loans and leases to total assets | 86.0416% | 599 |
| Net loans and leases to deposits | 101.3711% | 1,660 |
| Net loans and leases to core deposits | 125.4320% | 2,213 |
| Total domestic deposits to total assets | 84.8778% | 2,899 |
| Equity capital to assets | 8.2463% | 6,483 |
| Core capital (leverage) ratio | 8.1523% | 6,249 |
| Tier 1 risk-based capital ratio | 9.3685% | 7,438 |
| Total risk-based capital ratio | 10.1638% | 7,859 |
| Memoranda: | ||
| Average total assets | $202,770,200 | 3,106 |
| Average earning assets | $184,587,600 | 3,125 |
| Average equity | $16,799,200 | 3,775 |
| Average total loans | $162,387,200 | 2,742 |