Home > Jersey Shore State Bank > Performance and Condition Ratios
Jersey Shore State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6448% | 2,792 |
| Cost of funding earning assets | 2.1083% | 765 |
| Net interest margin | 2.5365% | 4,058 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 1.9328% | 3,769 |
| Loan and lease loss provision to assets | -0.1000% | 4,517 |
| Net operating income to assets | 0.7624% | 3,002 |
| Return on assets (ROA) | 0.7526% | 3,014 |
| Pretax return on assets | 0.9150% | 2,924 |
| Return on Equity (ROE) | 9.9700% | 2,503 |
| Retained earnings to average equity (ytd only) | 5.9386% | 2,269 |
| Net charge-offs to loans | -0.0686% | 4,440 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.0069% | 1,875 |
| Assets per employee ($millions) | 6.7436% | 2,245 |
| Cash dividends to net income (ytd only)* | 40.4619% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7251% | 4,085 |
| Loan loss allowance to noncurrent loans | 411.5998% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.2002% | 2,228 |
| Noncurrent loans to loans | 0.1762% | 2,637 |
| Net loans and leases to total assets | 82.4700% | 393 |
| Net loans and leases to deposits | 118.6030% | 91 |
| Net loans and leases to core deposits | 124.3103% | 526 |
| Total domestic deposits to total assets | 69.5300% | 4,306 |
| Equity capital to assets | 7.9147% | 3,471 |
| Core capital (leverage) ratio | 8.3441% | 4,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7012% | 2,855 |
| Memoranda: | ||
| Average total assets | $1,530,229,000 | 707 |
| Average earning assets | $1,409,594,600 | 698 |
| Average equity | $115,464,800 | 856 |
| Average total loans | $1,264,459,000 | 600 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5177% | 2,871 |
| Cost of funding earning assets | 1.9319% | 811 |
| Net interest margin | 2.5857% | 4,050 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 1.9536% | 3,705 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 0.7183% | 3,266 |
| Return on assets (ROA) | 0.7051% | 3,294 |
| Pretax return on assets | 0.8489% | 3,218 |
| Return on Equity (ROE) | 9.4700% | 2,808 |
| Retained earnings to average equity (ytd only) | 4.3195% | 3,177 |
| Net charge-offs to loans | -0.0543% | 4,385 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.6766% | 1,824 |
| Assets per employee ($millions) | 6.3460% | 2,460 |
| Cash dividends to net income (ytd only)* | 54.3641% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8001% | 3,981 |
| Loan loss allowance to noncurrent loans | 479.2297% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.1936% | 2,300 |
| Noncurrent loans to loans | 0.1670% | 2,701 |
| Net loans and leases to total assets | 82.6800% | 384 |
| Net loans and leases to deposits | 121.4864% | 68 |
| Net loans and leases to core deposits | 126.7997% | 399 |
| Total domestic deposits to total assets | 68.0500% | 4,368 |
| Equity capital to assets | 7.2789% | 3,477 |
| Core capital (leverage) ratio | 7.9950% | 4,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2805% | 2,897 |
| Memoranda: | ||
| Average total assets | $1,516,599,750 | 716 |
| Average earning assets | $1,396,137,750 | 706 |
| Average equity | $112,974,000 | 862 |
| Average total loans | $1,251,430,000 | 607 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3668% | 2,966 |
| Cost of funding earning assets | 1.6853% | 902 |
| Net interest margin | 2.6815% | 3,997 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 1.9690% | 3,660 |
| Loan and lease loss provision to assets | -0.1700% | 4,600 |
| Net operating income to assets | 0.9173% | 2,700 |
| Return on assets (ROA) | 0.9053% | 2,722 |
| Pretax return on assets | 1.0959% | 2,657 |
| Return on Equity (ROE) | 12.0600% | 2,139 |
| Retained earnings to average equity (ytd only) | 7.4209% | 2,155 |
| Net charge-offs to loans | -0.0719% | 4,456 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.5500% | 2,037 |
| Assets per employee ($millions) | 6.4687% | 2,317 |
| Cash dividends to net income (ytd only)* | 38.4502% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7310% | 4,130 |
| Loan loss allowance to noncurrent loans | 347.4526% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.1793% | 2,301 |
| Noncurrent loans to loans | 0.2104% | 2,422 |
| Net loans and leases to total assets | 82.0700% | 419 |
| Net loans and leases to deposits | 116.5177% | 119 |
| Net loans and leases to core deposits | 120.9200% | 492 |
| Total domestic deposits to total assets | 70.4400% | 4,344 |
| Equity capital to assets | 7.3843% | 3,587 |
| Core capital (leverage) ratio | 8.1549% | 4,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3297% | 2,917 |
| Memoranda: | ||
| Average total assets | $1,499,647,000 | 710 |
| Average earning assets | $1,380,408,000 | 701 |
| Average equity | $112,600,667 | 859 |
| Average total loans | $1,233,122,000 | 602 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2204% | 3,002 |
| Cost of funding earning assets | 1.3681% | 1,096 |
| Net interest margin | 2.8523% | 3,863 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 1.9796% | 3,668 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.9331% | 2,746 |
| Return on assets (ROA) | 0.9252% | 2,728 |
| Pretax return on assets | 1.0950% | 2,722 |
| Return on Equity (ROE) | 12.2200% | 2,162 |
| Retained earnings to average equity (ytd only) | 8.7855% | 2,007 |
| Net charge-offs to loans | 0.0281% | 1,134 |
| Credit loss provision to net charge-offs | 2.3529% | 1,418 |
| Earnings coverage of net charge-offs (x) | 49.5176% | 1,104 |
| Efficiency ratio | 63.4335% | 2,527 |
| Assets per employee ($millions) | 6.2839% | 2,518 |
| Cash dividends to net income (ytd only)* | 28.0820% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7806% | 4,122 |
| Loan loss allowance to noncurrent loans | 317.0073% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.2075% | 2,099 |
| Noncurrent loans to loans | 0.2462% | 2,266 |
| Net loans and leases to total assets | 81.4000% | 425 |
| Net loans and leases to deposits | 102.9111% | 333 |
| Net loans and leases to core deposits | 106.5073% | 818 |
| Total domestic deposits to total assets | 79.1000% | 3,888 |
| Equity capital to assets | 7.5827% | 3,518 |
| Core capital (leverage) ratio | 8.3082% | 4,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5866% | 2,989 |
| Memoranda: | ||
| Average total assets | $1,476,465,500 | 731 |
| Average earning assets | $1,359,582,500 | 722 |
| Average equity | $111,820,000 | 871 |
| Average total loans | $1,210,610,000 | 619 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6672% | 2,621 |
| Cost of funding earning assets | 0.5026% | 1,372 |
| Net interest margin | 3.1645% | 2,971 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.0347% | 3,487 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.0161% | 2,508 |
| Return on assets (ROA) | 1.0024% | 2,502 |
| Pretax return on assets | 1.2435% | 2,296 |
| Return on Equity (ROE) | 12.7400% | 1,894 |
| Retained earnings to average equity (ytd only) | 7.7909% | 1,919 |
| Net charge-offs to loans | 0.0083% | 2,079 |
| Credit loss provision to net charge-offs | 1,361.1111% | 348 |
| Earnings coverage of net charge-offs (x) | 207.3556% | 633 |
| Efficiency ratio | 58.7170% | 3,230 |
| Assets per employee ($millions) | 6.3090% | 2,504 |
| Cash dividends to net income (ytd only)* | 38.8304% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 3,556 |
| Loan loss allowance to noncurrent loans | 358.0181% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.2262% | 2,018 |
| Noncurrent loans to loans | 0.2690% | 2,188 |
| Net loans and leases to total assets | 81.1500% | 487 |
| Net loans and leases to deposits | 106.2041% | 242 |
| Net loans and leases to core deposits | 108.6060% | 656 |
| Total domestic deposits to total assets | 76.4100% | 4,230 |
| Equity capital to assets | 7.5640% | 3,348 |
| Core capital (leverage) ratio | 8.3834% | 4,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7281% | 3,006 |
| Memoranda: | ||
| Average total assets | $1,383,457,800 | 750 |
| Average earning assets | $1,273,866,000 | 744 |
| Average equity | $108,882,800 | 892 |
| Average total loans | $1,089,612,600 | 636 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5195% | 2,554 |
| Cost of funding earning assets | 0.3836% | 1,412 |
| Net interest margin | 3.1359% | 2,813 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 2.0140% | 3,444 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.0388% | 2,327 |
| Return on assets (ROA) | 1.0233% | 2,368 |
| Pretax return on assets | 1.2485% | 2,211 |
| Return on Equity (ROE) | 12.8700% | 1,745 |
| Retained earnings to average equity (ytd only) | 6.8847% | 2,410 |
| Net charge-offs to loans | 0.0045% | 2,027 |
| Credit loss provision to net charge-offs | 2,569.4444% | 202 |
| Earnings coverage of net charge-offs (x) | 386.5278% | 395 |
| Efficiency ratio | 59.7129% | 3,147 |
| Assets per employee ($millions) | 5.9436% | 2,816 |
| Cash dividends to net income (ytd only)* | 46.5008% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 3,555 |
| Loan loss allowance to noncurrent loans | 287.1381% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.2898% | 1,793 |
| Noncurrent loans to loans | 0.3431% | 2,002 |
| Net loans and leases to total assets | 80.9900% | 448 |
| Net loans and leases to deposits | 100.4508% | 348 |
| Net loans and leases to core deposits | 102.6376% | 712 |
| Total domestic deposits to total assets | 80.6300% | 4,038 |
| Equity capital to assets | 7.6594% | 3,118 |
| Core capital (leverage) ratio | 8.3548% | 4,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8497% | 3,057 |
| Memoranda: | ||
| Average total assets | $1,366,555,500 | 760 |
| Average earning assets | $1,258,487,500 | 759 |
| Average equity | $108,664,000 | 908 |
| Average total loans | $1,064,756,250 | 646 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3766% | 2,501 |
| Cost of funding earning assets | 0.3781% | 1,060 |
| Net interest margin | 2.9986% | 2,880 |
| Noninterest income to average assets | 0.4832% | 2,293 |
| Noninterest expense to average assets | 2.0442% | 3,308 |
| Loan and lease loss provision to assets | 0.0552% | 1,591 |
| Net operating income to assets | 0.9419% | 2,393 |
| Return on assets (ROA) | 0.9333% | 2,411 |
| Pretax return on assets | 1.1360% | 2,283 |
| Return on Equity (ROE) | 11.5912% | 1,797 |
| Retained earnings to average equity (ytd only) | 4.2441% | 2,998 |
| Net charge-offs to loans | 0.0133% | 1,520 |
| Credit loss provision to net charge-offs | 543.4783% | 607 |
| Earnings coverage of net charge-offs (x) | 118.3043% | 744 |
| Efficiency ratio | 62.9536% | 2,927 |
| Assets per employee ($millions) | 5.7089% | 3,019 |
| Cash dividends to net income (ytd only)* | 63.3854% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9835% | 3,672 |
| Loan loss allowance to noncurrent loans | 293.3186% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.2748% | 1,934 |
| Noncurrent loans to loans | 0.3353% | 2,137 |
| Net loans and leases to total assets | 78.3921% | 528 |
| Net loans and leases to deposits | 96.5117% | 409 |
| Net loans and leases to core deposits | 98.8474% | 725 |
| Total domestic deposits to total assets | 81.2255% | 4,098 |
| Equity capital to assets | 7.8651% | 3,227 |
| Core capital (leverage) ratio | 8.2760% | 4,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9769% | 3,017 |
| Memoranda: | ||
| Average total assets | $1,358,470,000 | 761 |
| Average earning assets | $1,251,661,000 | 765 |
| Average equity | $109,376,000 | 908 |
| Average total loans | $1,040,461,000 | 647 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2961% | 2,399 |
| Cost of funding earning assets | 0.3828% | 972 |
| Net interest margin | 2.9133% | 2,791 |
| Noninterest income to average assets | 0.4961% | 2,161 |
| Noninterest expense to average assets | 2.1144% | 3,099 |
| Loan and lease loss provision to assets | 0.0443% | 1,563 |
| Net operating income to assets | 0.8585% | 2,459 |
| Return on assets (ROA) | 0.8493% | 2,478 |
| Pretax return on assets | 1.0128% | 2,396 |
| Return on Equity (ROE) | 10.4269% | 1,817 |
| Retained earnings to average equity (ytd only) | 4.0468% | 2,919 |
| Net charge-offs to loans | 0.0466% | 827 |
| Credit loss provision to net charge-offs | 126.0504% | 913 |
| Earnings coverage of net charge-offs (x) | 30.4118% | 1,125 |
| Efficiency ratio | 66.4225% | 2,714 |
| Assets per employee ($millions) | 5.6997% | 3,120 |
| Cash dividends to net income (ytd only)* | 61.1883% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0105% | 3,677 |
| Loan loss allowance to noncurrent loans | 278.1242% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.2804% | 2,006 |
| Noncurrent loans to loans | 0.3633% | 2,182 |
| Net loans and leases to total assets | 74.7347% | 597 |
| Net loans and leases to deposits | 89.5053% | 536 |
| Net loans and leases to core deposits | 92.2064% | 803 |
| Total domestic deposits to total assets | 83.4975% | 3,863 |
| Equity capital to assets | 8.0141% | 3,558 |
| Core capital (leverage) ratio | 8.3149% | 4,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2658% | 3,017 |
| Memoranda: | ||
| Average total assets | $1,355,491,500 | 765 |
| Average earning assets | $1,249,855,000 | 775 |
| Average equity | $110,407,000 | 928 |
| Average total loans | $1,020,578,000 | 653 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4692% | 2,755 |
| Cost of funding earning assets | 0.5597% | 666 |
| Net interest margin | 2.9095% | 3,422 |
| Noninterest income to average assets | 0.6504% | 1,941 |
| Noninterest expense to average assets | 2.0770% | 3,450 |
| Loan and lease loss provision to assets | 0.0944% | 1,327 |
| Net operating income to assets | 0.9406% | 2,904 |
| Return on assets (ROA) | 0.9581% | 2,907 |
| Pretax return on assets | 1.1842% | 2,719 |
| Return on Equity (ROE) | 11.8345% | 1,869 |
| Retained earnings to average equity (ytd only) | 6.3108% | 2,224 |
| Net charge-offs to loans | 0.0225% | 1,805 |
| Credit loss provision to net charge-offs | 560.5381% | 757 |
| Earnings coverage of net charge-offs (x) | 74.6547% | 1,035 |
| Efficiency ratio | 62.2755% | 2,828 |
| Assets per employee ($millions) | 5.5969% | 3,164 |
| Cash dividends to net income (ytd only)* | 46.6745% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0145% | 3,679 |
| Loan loss allowance to noncurrent loans | 233.5975% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.3322% | 1,905 |
| Noncurrent loans to loans | 0.4343% | 2,053 |
| Net loans and leases to total assets | 74.3245% | 638 |
| Net loans and leases to deposits | 90.3276% | 552 |
| Net loans and leases to core deposits | 93.6122% | 799 |
| Total domestic deposits to total assets | 82.2833% | 3,926 |
| Equity capital to assets | 8.2765% | 4,192 |
| Core capital (leverage) ratio | 8.3258% | 4,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3091% | 3,014 |
| Memoranda: | ||
| Average total assets | $1,324,481,400 | 754 |
| Average earning assets | $1,221,612,800 | 760 |
| Average equity | $107,229,200 | 953 |
| Average total loans | $989,002,800 | 664 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4828% | 2,886 |
| Cost of funding earning assets | 0.5973% | 646 |
| Net interest margin | 2.8855% | 3,586 |
| Noninterest income to average assets | 0.6467% | 2,025 |
| Noninterest expense to average assets | 2.0749% | 3,439 |
| Loan and lease loss provision to assets | 0.1114% | 1,085 |
| Net operating income to assets | 0.9154% | 3,199 |
| Return on assets (ROA) | 0.9398% | 3,203 |
| Pretax return on assets | 1.1505% | 3,078 |
| Return on Equity (ROE) | 11.6752% | 2,151 |
| Retained earnings to average equity (ytd only) | 5.8093% | 2,911 |
| Net charge-offs to loans | 0.0219% | 1,609 |
| Credit loss provision to net charge-offs | 683.2298% | 653 |
| Earnings coverage of net charge-offs (x) | 75.5901% | 1,014 |
| Efficiency ratio | 62.7216% | 2,577 |
| Assets per employee ($millions) | 5.4510% | 3,248 |
| Cash dividends to net income (ytd only)* | 50.2424% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0387% | 3,713 |
| Loan loss allowance to noncurrent loans | 185.7117% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.4204% | 1,782 |
| Noncurrent loans to loans | 0.5593% | 1,919 |
| Net loans and leases to total assets | 73.2708% | 749 |
| Net loans and leases to deposits | 89.1634% | 647 |
| Net loans and leases to core deposits | 92.7323% | 884 |
| Total domestic deposits to total assets | 82.1758% | 3,897 |
| Equity capital to assets | 8.1601% | 4,433 |
| Core capital (leverage) ratio | 8.3121% | 4,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9667% | 3,094 |
| Memoranda: | ||
| Average total assets | $1,316,988,000 | 767 |
| Average earning assets | $1,214,163,750 | 773 |
| Average equity | $106,011,250 | 980 |
| Average total loans | $982,001,000 | 682 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4777% | 2,949 |
| Cost of funding earning assets | 0.6309% | 637 |
| Net interest margin | 2.8468% | 3,685 |
| Noninterest income to average assets | 0.6285% | 2,091 |
| Noninterest expense to average assets | 2.0659% | 3,500 |
| Loan and lease loss provision to assets | 0.1219% | 1,038 |
| Net operating income to assets | 0.8708% | 3,303 |
| Return on assets (ROA) | 0.9020% | 3,293 |
| Pretax return on assets | 1.1050% | 3,198 |
| Return on Equity (ROE) | 11.2579% | 2,315 |
| Retained earnings to average equity (ytd only) | 3.8148% | 3,582 |
| Net charge-offs to loans | 0.0446% | 1,185 |
| Credit loss provision to net charge-offs | 365.2968% | 805 |
| Earnings coverage of net charge-offs (x) | 35.6256% | 1,222 |
| Efficiency ratio | 63.4521% | 2,501 |
| Assets per employee ($millions) | 5.8107% | 2,797 |
| Cash dividends to net income (ytd only)* | 66.1149% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 3,798 |
| Loan loss allowance to noncurrent loans | 162.3417% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.4703% | 1,778 |
| Noncurrent loans to loans | 0.6203% | 1,854 |
| Net loans and leases to total assets | 74.2273% | 731 |
| Net loans and leases to deposits | 91.6696% | 559 |
| Net loans and leases to core deposits | 95.9708% | 808 |
| Total domestic deposits to total assets | 80.9726% | 4,095 |
| Equity capital to assets | 8.1296% | 4,465 |
| Core capital (leverage) ratio | 8.1384% | 4,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6723% | 3,091 |
| Memoranda: | ||
| Average total assets | $1,312,638,000 | 764 |
| Average earning assets | $1,210,906,000 | 772 |
| Average equity | $105,170,667 | 979 |
| Average total loans | $981,082,000 | 681 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4952% | 2,939 |
| Cost of funding earning assets | 0.6639% | 635 |
| Net interest margin | 2.8313% | 3,688 |
| Noninterest income to average assets | 0.5933% | 2,241 |
| Noninterest expense to average assets | 2.0653% | 3,523 |
| Loan and lease loss provision to assets | 0.1369% | 985 |
| Net operating income to assets | 0.8214% | 3,352 |
| Return on assets (ROA) | 0.8488% | 3,353 |
| Pretax return on assets | 1.0380% | 3,263 |
| Return on Equity (ROE) | 10.6718% | 2,471 |
| Retained earnings to average equity (ytd only) | 3.9230% | 3,525 |
| Net charge-offs to loans | 0.0452% | 1,028 |
| Credit loss provision to net charge-offs | 405.4054% | 650 |
| Earnings coverage of net charge-offs (x) | 33.8108% | 1,046 |
| Efficiency ratio | 64.3873% | 2,422 |
| Assets per employee ($millions) | 5.4526% | 3,161 |
| Cash dividends to net income (ytd only)* | 63.2390% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9879% | 3,883 |
| Loan loss allowance to noncurrent loans | 137.3948% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.5341% | 1,777 |
| Noncurrent loans to loans | 0.7190% | 1,805 |
| Net loans and leases to total assets | 72.8415% | 916 |
| Net loans and leases to deposits | 89.8188% | 705 |
| Net loans and leases to core deposits | 94.4083% | 954 |
| Total domestic deposits to total assets | 81.0983% | 4,051 |
| Equity capital to assets | 7.8848% | 4,553 |
| Core capital (leverage) ratio | 8.1561% | 4,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7734% | 2,965 |
| Memoranda: | ||
| Average total assets | $1,315,251,000 | 757 |
| Average earning assets | $1,214,006,500 | 759 |
| Average equity | $104,612,500 | 971 |
| Average total loans | $981,459,000 | 688 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8709% | 3,109 |
| Cost of funding earning assets | 0.9784% | 646 |
| Net interest margin | 2.8924% | 4,120 |
| Noninterest income to average assets | 0.6552% | 2,005 |
| Noninterest expense to average assets | 2.0631% | 4,016 |
| Loan and lease loss provision to assets | 0.1483% | 2,517 |
| Net operating income to assets | 0.9101% | 2,650 |
| Return on assets (ROA) | 0.9967% | 2,442 |
| Pretax return on assets | 1.2248% | 2,245 |
| Return on Equity (ROE) | 12.5222% | 1,171 |
| Retained earnings to average equity (ytd only) | 4.3107% | 2,645 |
| Net charge-offs to loans | 0.0508% | 2,066 |
| Credit loss provision to net charge-offs | 376.2376% | 1,502 |
| Earnings coverage of net charge-offs (x) | 32.1188% | 1,550 |
| Efficiency ratio | 61.9434% | 3,146 |
| Assets per employee ($millions) | 5.2221% | 3,129 |
| Cash dividends to net income (ytd only)* | 65.5753% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9402% | 4,074 |
| Loan loss allowance to noncurrent loans | 115.5453% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.6341% | 1,657 |
| Noncurrent loans to loans | 0.8137% | 1,719 |
| Net loans and leases to total assets | 74.9786% | 906 |
| Net loans and leases to deposits | 93.7344% | 674 |
| Net loans and leases to core deposits | 98.8699% | 963 |
| Total domestic deposits to total assets | 79.9904% | 4,044 |
| Equity capital to assets | 8.0239% | 4,697 |
| Core capital (leverage) ratio | 8.0621% | 4,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8570% | 2,957 |
| Memoranda: | ||
| Average total assets | $1,280,965,000 | 711 |
| Average earning assets | $1,184,255,600 | 708 |
| Average equity | $101,955,200 | 946 |
| Average total loans | $994,696,800 | 643 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9422% | 3,139 |
| Cost of funding earning assets | 1.0312% | 685 |
| Net interest margin | 2.9110% | 4,165 |
| Noninterest income to average assets | 0.6562% | 1,961 |
| Noninterest expense to average assets | 2.0722% | 4,003 |
| Loan and lease loss provision to assets | 0.1516% | 2,498 |
| Net operating income to assets | 0.9165% | 2,637 |
| Return on assets (ROA) | 1.0038% | 2,454 |
| Pretax return on assets | 1.2311% | 2,284 |
| Return on Equity (ROE) | 12.6383% | 1,208 |
| Retained earnings to average equity (ytd only) | 3.5895% | 3,261 |
| Net charge-offs to loans | 0.0550% | 1,817 |
| Credit loss provision to net charge-offs | 352.7981% | 1,599 |
| Earnings coverage of net charge-offs (x) | 29.6910% | 1,591 |
| Efficiency ratio | 61.8628% | 3,100 |
| Assets per employee ($millions) | 5.7411% | 2,508 |
| Cash dividends to net income (ytd only)* | 71.5982% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9051% | 4,054 |
| Loan loss allowance to noncurrent loans | 109.0965% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.6410% | 1,819 |
| Noncurrent loans to loans | 0.8297% | 1,766 |
| Net loans and leases to total assets | 74.4046% | 1,325 |
| Net loans and leases to deposits | 93.6484% | 954 |
| Net loans and leases to core deposits | 100.1807% | 1,152 |
| Total domestic deposits to total assets | 79.4510% | 3,976 |
| Equity capital to assets | 7.8649% | 4,756 |
| Core capital (leverage) ratio | 7.7241% | 4,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8411% | 2,953 |
| Memoranda: | ||
| Average total assets | $1,274,827,250 | 702 |
| Average earning assets | $1,179,049,750 | 700 |
| Average equity | $101,255,750 | 945 |
| Average total loans | $996,334,000 | 632 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0508% | 3,194 |
| Cost of funding earning assets | 1.0762% | 776 |
| Net interest margin | 2.9747% | 4,180 |
| Noninterest income to average assets | 0.6140% | 2,081 |
| Noninterest expense to average assets | 2.1092% | 4,011 |
| Loan and lease loss provision to assets | 0.1585% | 2,411 |
| Net operating income to assets | 0.8982% | 2,695 |
| Return on assets (ROA) | 0.9276% | 2,720 |
| Pretax return on assets | 1.1372% | 2,585 |
| Return on Equity (ROE) | 11.6390% | 1,439 |
| Retained earnings to average equity (ytd only) | 3.6682% | 3,081 |
| Net charge-offs to loans | 0.0486% | 1,787 |
| Credit loss provision to net charge-offs | 411.5226% | 1,382 |
| Earnings coverage of net charge-offs (x) | 32.7037% | 1,370 |
| Efficiency ratio | 62.5806% | 3,031 |
| Assets per employee ($millions) | 5.8992% | 2,271 |
| Cash dividends to net income (ytd only)* | 68.4840% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8765% | 4,096 |
| Loan loss allowance to noncurrent loans | 94.1561% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.7050% | 1,742 |
| Noncurrent loans to loans | 0.9309% | 1,660 |
| Net loans and leases to total assets | 73.7195% | 1,450 |
| Net loans and leases to deposits | 93.7492% | 983 |
| Net loans and leases to core deposits | 103.5228% | 1,032 |
| Total domestic deposits to total assets | 78.6348% | 4,088 |
| Equity capital to assets | 7.7028% | 4,833 |
| Core capital (leverage) ratio | 7.9302% | 4,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4508% | 3,094 |
| Memoranda: | ||
| Average total assets | $1,261,535,667 | 692 |
| Average earning assets | $1,168,399,333 | 686 |
| Average equity | $100,541,000 | 942 |
| Average total loans | $999,400,667 | 626 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1955% | 3,223 |
| Cost of funding earning assets | 1.1390% | 933 |
| Net interest margin | 3.0566% | 4,184 |
| Noninterest income to average assets | 0.6332% | 1,887 |
| Noninterest expense to average assets | 2.2552% | 3,874 |
| Loan and lease loss provision to assets | 0.1791% | 1,663 |
| Net operating income to assets | 0.8436% | 2,740 |
| Return on assets (ROA) | 0.8526% | 2,798 |
| Pretax return on assets | 1.0346% | 2,722 |
| Return on Equity (ROE) | 10.5085% | 1,571 |
| Retained earnings to average equity (ytd only) | 3.1778% | 3,007 |
| Net charge-offs to loans | 0.0549% | 1,458 |
| Credit loss provision to net charge-offs | 398.5507% | 1,014 |
| Earnings coverage of net charge-offs (x) | 26.7681% | 1,246 |
| Efficiency ratio | 65.2010% | 3,062 |
| Assets per employee ($millions) | 5.0453% | 2,603 |
| Cash dividends to net income (ytd only)* | 69.7595% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8312% | 4,335 |
| Loan loss allowance to noncurrent loans | 91.2566% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.7564% | 1,787 |
| Noncurrent loans to loans | 0.9109% | 1,792 |
| Net loans and leases to total assets | 80.8463% | 587 |
| Net loans and leases to deposits | 104.8969% | 334 |
| Net loans and leases to core deposits | 119.3952% | 487 |
| Total domestic deposits to total assets | 77.0721% | 4,341 |
| Equity capital to assets | 8.1815% | 4,934 |
| Core capital (leverage) ratio | 8.2995% | 4,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4066% | 3,246 |
| Memoranda: | ||
| Average total assets | $1,228,641,500 | 676 |
| Average earning assets | $1,135,393,500 | 670 |
| Average equity | $99,691,000 | 946 |
| Average total loans | $1,005,527,000 | 593 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2325% | 3,724 |
| Cost of funding earning assets | 1.1301% | 1,227 |
| Net interest margin | 3.1025% | 4,359 |
| Noninterest income to average assets | 0.6169% | 2,155 |
| Noninterest expense to average assets | 2.0936% | 4,381 |
| Loan and lease loss provision to assets | 0.1831% | 1,126 |
| Net operating income to assets | 1.0158% | 2,793 |
| Return on assets (ROA) | 1.0499% | 2,753 |
| Pretax return on assets | 1.2539% | 2,654 |
| Return on Equity (ROE) | 13.7638% | 948 |
| Retained earnings to average equity (ytd only) | 5.3319% | 2,260 |
| Net charge-offs to loans | 0.4459% | 427 |
| Credit loss provision to net charge-offs | 50.1964% | 3,124 |
| Earnings coverage of net charge-offs (x) | 3.8291% | 3,281 |
| Efficiency ratio | 59.9658% | 3,702 |
| Assets per employee ($millions) | 5.0669% | 2,493 |
| Cash dividends to net income (ytd only)* | 61.2615% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7806% | 4,367 |
| Loan loss allowance to noncurrent loans | 77.7931% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 0.8579% | 1,496 |
| Noncurrent loans to loans | 1.0034% | 1,512 |
| Net loans and leases to total assets | 81.5145% | 615 |
| Net loans and leases to deposits | 106.5241% | 279 |
| Net loans and leases to core deposits | 123.2405% | 398 |
| Total domestic deposits to total assets | 76.5221% | 4,545 |
| Equity capital to assets | 8.0467% | 5,052 |
| Core capital (leverage) ratio | 8.1913% | 4,979 |
| Tier 1 risk-based capital ratio | 10.3806% | 5,053 |
| Total risk-based capital ratio | 11.0888% | 5,108 |
| Memoranda: | ||
| Average total assets | $1,256,437,600 | 630 |
| Average earning assets | $1,163,561,600 | 624 |
| Average equity | $95,838,200 | 932 |
| Average total loans | $1,027,678,800 | 558 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2401% | 3,830 |
| Cost of funding earning assets | 1.1204% | 1,274 |
| Net interest margin | 3.1196% | 4,447 |
| Noninterest income to average assets | 0.6174% | 2,117 |
| Noninterest expense to average assets | 2.0800% | 4,395 |
| Loan and lease loss provision to assets | 0.0766% | 2,366 |
| Net operating income to assets | 1.1189% | 2,499 |
| Return on assets (ROA) | 1.1253% | 2,562 |
| Pretax return on assets | 1.3599% | 2,464 |
| Return on Equity (ROE) | 14.9523% | 785 |
| Retained earnings to average equity (ytd only) | 6.5382% | 2,095 |
| Net charge-offs to loans | 0.0762% | 1,736 |
| Credit loss provision to net charge-offs | 122.8814% | 1,916 |
| Earnings coverage of net charge-offs (x) | 22.9355% | 1,849 |
| Efficiency ratio | 59.2579% | 3,772 |
| Assets per employee ($millions) | 4.9138% | 2,647 |
| Cash dividends to net income (ytd only)* | 56.2729% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 3,501 |
| Loan loss allowance to noncurrent loans | 69.4993% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 1.2276% | 1,021 |
| Noncurrent loans to loans | 1.4567% | 1,046 |
| Net loans and leases to total assets | 81.1080% | 697 |
| Net loans and leases to deposits | 106.7831% | 297 |
| Net loans and leases to core deposits | 123.7377% | 416 |
| Total domestic deposits to total assets | 75.9559% | 4,654 |
| Equity capital to assets | 7.9891% | 5,132 |
| Core capital (leverage) ratio | 8.0624% | 5,103 |
| Tier 1 risk-based capital ratio | 10.3645% | 5,120 |
| Total risk-based capital ratio | 11.3225% | 5,114 |
| Memoranda: | ||
| Average total assets | $1,262,730,000 | 630 |
| Average earning assets | $1,170,359,250 | 618 |
| Average equity | $95,028,750 | 937 |
| Average total loans | $1,031,709,000 | 558 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1902% | 3,949 |
| Cost of funding earning assets | 1.0940% | 1,322 |
| Net interest margin | 3.0962% | 4,542 |
| Noninterest income to average assets | 0.5855% | 2,216 |
| Noninterest expense to average assets | 2.1054% | 4,409 |
| Loan and lease loss provision to assets | 0.0748% | 2,316 |
| Net operating income to assets | 1.0619% | 2,674 |
| Return on assets (ROA) | 1.0643% | 2,727 |
| Pretax return on assets | 1.2793% | 2,637 |
| Return on Equity (ROE) | 14.4319% | 891 |
| Retained earnings to average equity (ytd only) | 5.8890% | 2,333 |
| Net charge-offs to loans | 0.0948% | 1,416 |
| Credit loss provision to net charge-offs | 96.7413% | 2,053 |
| Earnings coverage of net charge-offs (x) | 17.4664% | 1,893 |
| Efficiency ratio | 60.8834% | 3,598 |
| Assets per employee ($millions) | 5.2675% | 2,184 |
| Cash dividends to net income (ytd only)* | 59.1946% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9841% | 3,716 |
| Loan loss allowance to noncurrent loans | 78.8853% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.0432% | 1,321 |
| Noncurrent loans to loans | 1.2475% | 1,275 |
| Net loans and leases to total assets | 79.8763% | 894 |
| Net loans and leases to deposits | 107.5262% | 288 |
| Net loans and leases to core deposits | 122.9322% | 460 |
| Total domestic deposits to total assets | 74.2854% | 4,812 |
| Equity capital to assets | 7.5470% | 5,229 |
| Core capital (leverage) ratio | 7.8742% | 5,192 |
| Tier 1 risk-based capital ratio | 10.0558% | 5,217 |
| Total risk-based capital ratio | 10.9650% | 5,235 |
| Memoranda: | ||
| Average total assets | $1,269,241,670 | 629 |
| Average earning assets | $1,176,991,670 | 618 |
| Average equity | $93,598,330 | 942 |
| Average total loans | $1,036,064,000 | 555 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1588% | 3,977 |
| Cost of funding earning assets | 1.0848% | 1,235 |
| Net interest margin | 3.0740% | 4,631 |
| Noninterest income to average assets | 0.5491% | 2,292 |
| Noninterest expense to average assets | 2.1199% | 4,429 |
| Loan and lease loss provision to assets | 0.0791% | 2,106 |
| Net operating income to assets | 1.0015% | 2,832 |
| Return on assets (ROA) | 1.0036% | 2,867 |
| Pretax return on assets | 1.2011% | 2,797 |
| Return on Equity (ROE) | 13.7726% | 1,017 |
| Retained earnings to average equity (ytd only) | 5.0903% | 2,869 |
| Net charge-offs to loans | 0.1538% | 867 |
| Credit loss provision to net charge-offs | 62.6566% | 1,896 |
| Earnings coverage of net charge-offs (x) | 10.1178% | 1,976 |
| Efficiency ratio | 62.3754% | 3,476 |
| Assets per employee ($millions) | 5.6059% | 1,879 |
| Cash dividends to net income (ytd only)* | 63.0401% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9685% | 3,878 |
| Loan loss allowance to noncurrent loans | 75.1236% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 1.0680% | 1,302 |
| Noncurrent loans to loans | 1.2891% | 1,273 |
| Net loans and leases to total assets | 80.5901% | 771 |
| Net loans and leases to deposits | 109.1662% | 238 |
| Net loans and leases to core deposits | 122.1116% | 479 |
| Total domestic deposits to total assets | 73.8233% | 4,948 |
| Equity capital to assets | 7.3315% | 5,283 |
| Core capital (leverage) ratio | 7.7505% | 5,250 |
| Tier 1 risk-based capital ratio | 9.9693% | 5,291 |
| Total risk-based capital ratio | 10.8505% | 5,305 |
| Memoranda: | ||
| Average total assets | $1,263,857,000 | 634 |
| Average earning assets | $1,171,117,000 | 626 |
| Average equity | $92,096,000 | 949 |
| Average total loans | $1,037,802,500 | 559 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9810% | 4,077 |
| Cost of funding earning assets | 0.8735% | 1,197 |
| Net interest margin | 3.1075% | 4,643 |
| Noninterest income to average assets | 0.6515% | 2,043 |
| Noninterest expense to average assets | 2.2428% | 4,236 |
| Loan and lease loss provision to assets | 0.0958% | 2,241 |
| Net operating income to assets | 1.0127% | 2,955 |
| Return on assets (ROA) | 1.0101% | 2,947 |
| Pretax return on assets | 1.1850% | 2,934 |
| Return on Equity (ROE) | 13.5925% | 1,148 |
| Retained earnings to average equity (ytd only) | 6.5805% | 1,878 |
| Net charge-offs to loans | 0.0520% | 2,410 |
| Credit loss provision to net charge-offs | 219.1120% | 1,329 |
| Earnings coverage of net charge-offs (x) | 29.3784% | 1,624 |
| Efficiency ratio | 63.5702% | 3,253 |
| Assets per employee ($millions) | 5.3640% | 2,095 |
| Cash dividends to net income (ytd only)* | 51.5870% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9786% | 3,822 |
| Loan loss allowance to noncurrent loans | 71.9497% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 1.1441% | 1,160 |
| Noncurrent loans to loans | 1.3601% | 1,149 |
| Net loans and leases to total assets | 82.0489% | 642 |
| Net loans and leases to deposits | 119.4587% | 102 |
| Net loans and leases to core deposits | 133.0077% | 273 |
| Total domestic deposits to total assets | 68.6839% | 5,195 |
| Equity capital to assets | 7.2417% | 5,312 |
| Core capital (leverage) ratio | 7.7244% | 5,292 |
| Tier 1 risk-based capital ratio | 9.8786% | 5,336 |
| Total risk-based capital ratio | 10.7635% | 5,348 |
| Memoranda: | ||
| Average total assets | $1,185,269,000 | 646 |
| Average earning assets | $1,096,663,000 | 645 |
| Average equity | $88,078,200 | 952 |
| Average total loans | $995,368,000 | 561 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9057% | 4,201 |
| Cost of funding earning assets | 0.8058% | 1,308 |
| Net interest margin | 3.1000% | 4,704 |
| Noninterest income to average assets | 0.6571% | 2,038 |
| Noninterest expense to average assets | 2.2806% | 4,148 |
| Loan and lease loss provision to assets | 0.0656% | 2,662 |
| Net operating income to assets | 0.9847% | 3,151 |
| Return on assets (ROA) | 0.9821% | 3,178 |
| Pretax return on assets | 1.1715% | 3,117 |
| Return on Equity (ROE) | 13.1264% | 1,379 |
| Retained earnings to average equity (ytd only) | 5.9986% | 2,658 |
| Net charge-offs to loans | 0.0467% | 2,163 |
| Credit loss provision to net charge-offs | 166.6667% | 1,591 |
| Earnings coverage of net charge-offs (x) | 31.4869% | 1,567 |
| Efficiency ratio | 64.7513% | 3,063 |
| Assets per employee ($millions) | 5.2872% | 2,134 |
| Cash dividends to net income (ytd only)* | 54.3013% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 4,046 |
| Loan loss allowance to noncurrent loans | 152.1050% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.5524% | 2,536 |
| Noncurrent loans to loans | 0.6248% | 2,528 |
| Net loans and leases to total assets | 82.1339% | 692 |
| Net loans and leases to deposits | 117.8614% | 129 |
| Net loans and leases to core deposits | 130.1689% | 326 |
| Total domestic deposits to total assets | 69.6868% | 5,228 |
| Equity capital to assets | 7.1187% | 5,372 |
| Core capital (leverage) ratio | 7.7246% | 5,366 |
| Tier 1 risk-based capital ratio | 9.8160% | 5,411 |
| Total risk-based capital ratio | 10.6514% | 5,429 |
| Memoranda: | ||
| Average total assets | $1,167,792,750 | 652 |
| Average earning assets | $1,078,827,750 | 649 |
| Average equity | $87,373,750 | 956 |
| Average total loans | $984,201,250 | 566 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8302% | 4,270 |
| Cost of funding earning assets | 0.7426% | 1,415 |
| Net interest margin | 3.0875% | 4,749 |
| Noninterest income to average assets | 0.6403% | 2,137 |
| Noninterest expense to average assets | 2.3271% | 4,087 |
| Loan and lease loss provision to assets | 0.0481% | 2,948 |
| Net operating income to assets | 0.9484% | 3,245 |
| Return on assets (ROA) | 0.9478% | 3,254 |
| Pretax return on assets | 1.1280% | 3,198 |
| Return on Equity (ROE) | 12.4484% | 1,562 |
| Retained earnings to average equity (ytd only) | 6.7781% | 2,176 |
| Net charge-offs to loans | 0.0557% | 1,809 |
| Credit loss provision to net charge-offs | 101.8519% | 1,986 |
| Earnings coverage of net charge-offs (x) | 24.9074% | 1,658 |
| Efficiency ratio | 66.3887% | 2,912 |
| Assets per employee ($millions) | 5.4644% | 1,921 |
| Cash dividends to net income (ytd only)* | 45.5502% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9552% | 4,088 |
| Loan loss allowance to noncurrent loans | 214.2921% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.4110% | 3,085 |
| Noncurrent loans to loans | 0.4458% | 3,100 |
| Net loans and leases to total assets | 83.2638% | 551 |
| Net loans and leases to deposits | 116.3257% | 157 |
| Net loans and leases to core deposits | 126.6650% | 396 |
| Total domestic deposits to total assets | 71.5782% | 5,207 |
| Equity capital to assets | 7.3821% | 5,399 |
| Core capital (leverage) ratio | 7.9633% | 5,356 |
| Tier 1 risk-based capital ratio | 10.0851% | 5,410 |
| Total risk-based capital ratio | 10.9141% | 5,451 |
| Memoranda: | ||
| Average total assets | $1,142,889,330 | 670 |
| Average earning assets | $1,060,010,670 | 661 |
| Average equity | $87,015,000 | 961 |
| Average total loans | $968,832,670 | 572 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7780% | 4,282 |
| Cost of funding earning assets | 0.7022% | 1,427 |
| Net interest margin | 3.0758% | 4,749 |
| Noninterest income to average assets | 0.6894% | 1,882 |
| Noninterest expense to average assets | 2.4267% | 3,870 |
| Loan and lease loss provision to assets | 0.0268% | 3,168 |
| Net operating income to assets | 0.9304% | 3,157 |
| Return on assets (ROA) | 0.9268% | 3,191 |
| Pretax return on assets | 1.0866% | 3,218 |
| Return on Equity (ROE) | 11.9788% | 1,587 |
| Retained earnings to average equity (ytd only) | 8.5589% | 1,634 |
| Net charge-offs to loans | 0.0726% | 1,396 |
| Credit loss provision to net charge-offs | 43.3526% | 1,993 |
| Earnings coverage of net charge-offs (x) | 18.0694% | 1,549 |
| Efficiency ratio | 68.4455% | 2,761 |
| Assets per employee ($millions) | 5.0295% | 2,449 |
| Cash dividends to net income (ytd only)* | 28.5494% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9800% | 4,064 |
| Loan loss allowance to noncurrent loans | 197.1458% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.4372% | 3,092 |
| Noncurrent loans to loans | 0.4971% | 3,030 |
| Net loans and leases to total assets | 83.7521% | 460 |
| Net loans and leases to deposits | 110.8539% | 229 |
| Net loans and leases to core deposits | 121.5875% | 538 |
| Total domestic deposits to total assets | 75.5517% | 5,012 |
| Equity capital to assets | 7.6197% | 5,389 |
| Core capital (leverage) ratio | 8.1245% | 5,355 |
| Tier 1 risk-based capital ratio | 10.3937% | 5,382 |
| Total risk-based capital ratio | 11.3754% | 5,401 |
| Memoranda: | ||
| Average total assets | $1,118,713,000 | 686 |
| Average earning assets | $1,038,424,500 | 676 |
| Average equity | $86,553,000 | 969 |
| Average total loans | $952,529,500 | 584 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8729% | 3,809 |
| Cost of funding earning assets | 0.5338% | 2,077 |
| Net interest margin | 3.3391% | 4,041 |
| Noninterest income to average assets | 0.8031% | 1,555 |
| Noninterest expense to average assets | 2.5319% | 3,674 |
| Loan and lease loss provision to assets | 0.0367% | 3,536 |
| Net operating income to assets | 0.7809% | 3,244 |
| Return on assets (ROA) | 0.8090% | 3,164 |
| Pretax return on assets | 1.3620% | 2,118 |
| Return on Equity (ROE) | 9.7946% | 1,983 |
| Retained earnings to average equity (ytd only) | 1.6087% | 4,344 |
| Net charge-offs to loans | 0.0837% | 2,261 |
| Credit loss provision to net charge-offs | 52.4138% | 3,299 |
| Earnings coverage of net charge-offs (x) | 19.3641% | 2,024 |
| Efficiency ratio | 65.1199% | 3,421 |
| Assets per employee ($millions) | 4.7230% | 2,834 |
| Cash dividends to net income (ytd only)* | 83.5759% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 3,828 |
| Loan loss allowance to noncurrent loans | 190.5721% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.4709% | 2,988 |
| Noncurrent loans to loans | 0.5341% | 2,900 |
| Net loans and leases to total assets | 84.8604% | 358 |
| Net loans and leases to deposits | 114.8060% | 167 |
| Net loans and leases to core deposits | 124.6382% | 468 |
| Total domestic deposits to total assets | 73.9164% | 5,190 |
| Equity capital to assets | 7.8589% | 5,437 |
| Core capital (leverage) ratio | 8.2346% | 5,329 |
| Tier 1 risk-based capital ratio | 10.1199% | 5,503 |
| Total risk-based capital ratio | 10.6765% | 5,591 |
| Memoranda: | ||
| Average total assets | $1,036,320,600 | 715 |
| Average earning assets | $956,988,400 | 707 |
| Average equity | $85,598,200 | 953 |
| Average total loans | $865,690,400 | 606 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8614% | 3,795 |
| Cost of funding earning assets | 0.5161% | 2,140 |
| Net interest margin | 3.3453% | 4,030 |
| Noninterest income to average assets | 0.8245% | 1,499 |
| Noninterest expense to average assets | 2.5672% | 3,510 |
| Loan and lease loss provision to assets | 0.0418% | 3,273 |
| Net operating income to assets | 0.9451% | 2,807 |
| Return on assets (ROA) | 0.9778% | 2,710 |
| Pretax return on assets | 1.3468% | 2,302 |
| Return on Equity (ROE) | 11.6857% | 1,431 |
| Retained earnings to average equity (ytd only) | 3.4740% | 3,855 |
| Net charge-offs to loans | 0.0823% | 1,980 |
| Credit loss provision to net charge-offs | 61.1855% | 2,793 |
| Earnings coverage of net charge-offs (x) | 19.6844% | 1,987 |
| Efficiency ratio | 65.6176% | 3,274 |
| Assets per employee ($millions) | 4.8387% | 2,652 |
| Cash dividends to net income (ytd only)* | 70.2710% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0876% | 3,563 |
| Loan loss allowance to noncurrent loans | 167.7269% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.5514% | 2,868 |
| Noncurrent loans to loans | 0.6484% | 2,768 |
| Net loans and leases to total assets | 83.2792% | 514 |
| Net loans and leases to deposits | 105.6207% | 434 |
| Net loans and leases to core deposits | 110.2442% | 1,009 |
| Total domestic deposits to total assets | 78.8474% | 4,563 |
| Equity capital to assets | 8.2105% | 5,431 |
| Core capital (leverage) ratio | 8.5557% | 5,203 |
| Tier 1 risk-based capital ratio | 10.6031% | 5,419 |
| Total risk-based capital ratio | 10.6780% | 5,657 |
| Memoranda: | ||
| Average total assets | $1,021,469,500 | 727 |
| Average earning assets | $942,428,500 | 719 |
| Average equity | $85,469,750 | 955 |
| Average total loans | $847,263,500 | 620 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8014% | 3,887 |
| Cost of funding earning assets | 0.5034% | 2,140 |
| Net interest margin | 3.2980% | 4,112 |
| Noninterest income to average assets | 0.8529% | 1,411 |
| Noninterest expense to average assets | 2.5398% | 3,619 |
| Loan and lease loss provision to assets | 0.0575% | 2,825 |
| Net operating income to assets | 0.9439% | 2,696 |
| Return on assets (ROA) | 0.9507% | 2,711 |
| Pretax return on assets | 1.3070% | 2,357 |
| Return on Equity (ROE) | 11.2879% | 1,535 |
| Retained earnings to average equity (ytd only) | 2.9991% | 3,931 |
| Net charge-offs to loans | 0.0997% | 1,625 |
| Credit loss provision to net charge-offs | 69.8795% | 2,377 |
| Earnings coverage of net charge-offs (x) | 16.4699% | 1,981 |
| Efficiency ratio | 65.1820% | 3,477 |
| Assets per employee ($millions) | 4.4823% | 3,139 |
| Cash dividends to net income (ytd only)* | 73.4307% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 3,298 |
| Loan loss allowance to noncurrent loans | 98.0158% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.0146% | 1,725 |
| Noncurrent loans to loans | 1.1766% | 1,662 |
| Net loans and leases to total assets | 81.3212% | 771 |
| Net loans and leases to deposits | 99.8890% | 747 |
| Net loans and leases to core deposits | 104.1874% | 1,340 |
| Total domestic deposits to total assets | 81.4116% | 4,072 |
| Equity capital to assets | 8.3440% | 5,388 |
| Core capital (leverage) ratio | 8.6312% | 5,110 |
| Tier 1 risk-based capital ratio | 10.7529% | 5,358 |
| Total risk-based capital ratio | 10.8293% | 5,685 |
| Memoranda: | ||
| Average total assets | $1,008,737,000 | 736 |
| Average earning assets | $930,450,330 | 733 |
| Average equity | $84,958,330 | 962 |
| Average total loans | $832,289,670 | 633 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7517% | 3,934 |
| Cost of funding earning assets | 0.5011% | 2,079 |
| Net interest margin | 3.2505% | 4,174 |
| Noninterest income to average assets | 0.8019% | 1,540 |
| Noninterest expense to average assets | 2.5556% | 3,637 |
| Loan and lease loss provision to assets | 0.0722% | 2,363 |
| Net operating income to assets | 0.8690% | 2,905 |
| Return on assets (ROA) | 0.8865% | 2,877 |
| Pretax return on assets | 1.2016% | 2,588 |
| Return on Equity (ROE) | 10.4754% | 1,748 |
| Retained earnings to average equity (ytd only) | 2.1131% | 4,297 |
| Net charge-offs to loans | 0.1456% | 1,076 |
| Credit loss provision to net charge-offs | 60.0000% | 1,904 |
| Earnings coverage of net charge-offs (x) | 10.3933% | 1,941 |
| Efficiency ratio | 67.1302% | 3,323 |
| Assets per employee ($millions) | 4.7139% | 2,822 |
| Cash dividends to net income (ytd only)* | 79.8281% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 3,280 |
| Loan loss allowance to noncurrent loans | 112.6641% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.9103% | 2,037 |
| Noncurrent loans to loans | 1.0434% | 1,970 |
| Net loans and leases to total assets | 81.5494% | 619 |
| Net loans and leases to deposits | 98.4651% | 729 |
| Net loans and leases to core deposits | 101.9888% | 1,367 |
| Total domestic deposits to total assets | 82.8206% | 3,909 |
| Equity capital to assets | 8.4094% | 5,301 |
| Core capital (leverage) ratio | 8.7563% | 4,993 |
| Tier 1 risk-based capital ratio | 10.8694% | 5,377 |
| Total risk-based capital ratio | 11.1138% | 5,701 |
| Memoranda: | ||
| Average total assets | $997,635,500 | 747 |
| Average earning assets | $921,936,500 | 747 |
| Average equity | $84,426,500 | 968 |
| Average total loans | $824,357,500 | 642 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8502% | 3,740 |
| Cost of funding earning assets | 0.5382% | 1,802 |
| Net interest margin | 3.3120% | 4,105 |
| Noninterest income to average assets | 0.8838% | 1,466 |
| Noninterest expense to average assets | 2.5671% | 3,784 |
| Loan and lease loss provision to assets | 0.0744% | 2,865 |
| Net operating income to assets | 0.9661% | 2,507 |
| Return on assets (ROA) | 1.0351% | 2,305 |
| Pretax return on assets | 1.3972% | 1,953 |
| Return on Equity (ROE) | 11.8925% | 1,273 |
| Retained earnings to average equity (ytd only) | 3.3913% | 3,510 |
| Net charge-offs to loans | 0.0212% | 3,625 |
| Credit loss provision to net charge-offs | 431.1377% | 741 |
| Earnings coverage of net charge-offs (x) | 79.8922% | 715 |
| Efficiency ratio | 65.0380% | 3,754 |
| Assets per employee ($millions) | 4.6314% | 2,917 |
| Cash dividends to net income (ytd only)* | 71.4842% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 3,038 |
| Loan loss allowance to noncurrent loans | 108.5708% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.9897% | 1,916 |
| Noncurrent loans to loans | 1.1178% | 1,852 |
| Net loans and leases to total assets | 81.7411% | 640 |
| Net loans and leases to deposits | 104.5954% | 413 |
| Net loans and leases to core deposits | 109.4804% | 931 |
| Total domestic deposits to total assets | 78.1498% | 4,955 |
| Equity capital to assets | 8.5171% | 5,258 |
| Core capital (leverage) ratio | 8.8941% | 4,860 |
| Tier 1 risk-based capital ratio | 11.1356% | 5,266 |
| Total risk-based capital ratio | 11.7278% | 5,517 |
| Memoranda: | ||
| Average total assets | $967,927,400 | 745 |
| Average earning assets | $894,788,800 | 737 |
| Average equity | $84,246,200 | 946 |
| Average total loans | $786,451,200 | 636 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8593% | 3,735 |
| Cost of funding earning assets | 0.5383% | 1,803 |
| Net interest margin | 3.3209% | 4,125 |
| Noninterest income to average assets | 0.9163% | 1,356 |
| Noninterest expense to average assets | 2.5988% | 3,665 |
| Loan and lease loss provision to assets | 0.0747% | 2,726 |
| Net operating income to assets | 0.9853% | 2,497 |
| Return on assets (ROA) | 1.0774% | 2,198 |
| Pretax return on assets | 1.4377% | 1,921 |
| Return on Equity (ROE) | 12.3109% | 1,226 |
| Retained earnings to average equity (ytd only) | 3.7752% | 3,622 |
| Net charge-offs to loans | 0.0108% | 3,554 |
| Credit loss provision to net charge-offs | 857.1429% | 466 |
| Earnings coverage of net charge-offs (x) | 159.3611% | 439 |
| Efficiency ratio | 65.1340% | 3,740 |
| Assets per employee ($millions) | 4.2494% | 3,507 |
| Cash dividends to net income (ytd only)* | 69.3345% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2381% | 3,023 |
| Loan loss allowance to noncurrent loans | 109.3802% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.0402% | 1,980 |
| Noncurrent loans to loans | 1.1319% | 1,990 |
| Net loans and leases to total assets | 80.9345% | 769 |
| Net loans and leases to deposits | 102.0245% | 565 |
| Net loans and leases to core deposits | 107.1812% | 1,101 |
| Total domestic deposits to total assets | 79.3285% | 4,648 |
| Equity capital to assets | 8.8383% | 5,295 |
| Core capital (leverage) ratio | 8.8623% | 4,991 |
| Tier 1 risk-based capital ratio | 11.3222% | 5,191 |
| Total risk-based capital ratio | 11.8198% | 5,505 |
| Memoranda: | ||
| Average total assets | $963,287,750 | 753 |
| Average earning assets | $891,129,250 | 742 |
| Average equity | $84,302,750 | 951 |
| Average total loans | $778,996,250 | 642 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8796% | 3,657 |
| Cost of funding earning assets | 0.5361% | 1,818 |
| Net interest margin | 3.3436% | 4,083 |
| Noninterest income to average assets | 0.8853% | 1,415 |
| Noninterest expense to average assets | 2.5982% | 3,728 |
| Loan and lease loss provision to assets | 0.0749% | 2,640 |
| Net operating income to assets | 1.0027% | 2,386 |
| Return on assets (ROA) | 1.1196% | 2,005 |
| Pretax return on assets | 1.4587% | 1,811 |
| Return on Equity (ROE) | 12.8357% | 1,070 |
| Retained earnings to average equity (ytd only) | 4.1712% | 3,251 |
| Net charge-offs to loans | 0.0085% | 3,405 |
| Credit loss provision to net charge-offs | 1,090.9091% | 351 |
| Earnings coverage of net charge-offs (x) | 201.2727% | 323 |
| Efficiency ratio | 65.2572% | 3,797 |
| Assets per employee ($millions) | 4.3872% | 3,241 |
| Cash dividends to net income (ytd only)* | 67.5028% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 3,141 |
| Loan loss allowance to noncurrent loans | 110.0500% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 1.0304% | 2,073 |
| Noncurrent loans to loans | 1.1260% | 2,045 |
| Net loans and leases to total assets | 79.9343% | 920 |
| Net loans and leases to deposits | 100.1174% | 689 |
| Net loans and leases to core deposits | 107.5604% | 1,059 |
| Total domestic deposits to total assets | 79.8405% | 4,583 |
| Equity capital to assets | 8.8395% | 5,372 |
| Core capital (leverage) ratio | 8.7066% | 5,167 |
| Tier 1 risk-based capital ratio | 11.3779% | 5,230 |
| Total risk-based capital ratio | 11.8366% | 5,549 |
| Memoranda: | ||
| Average total assets | $961,430,000 | 757 |
| Average earning assets | $889,832,330 | 748 |
| Average equity | $83,860,000 | 950 |
| Average total loans | $774,004,000 | 646 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9035% | 3,580 |
| Cost of funding earning assets | 0.5376% | 1,809 |
| Net interest margin | 3.3659% | 3,989 |
| Noninterest income to average assets | 0.8496% | 1,443 |
| Noninterest expense to average assets | 2.6412% | 3,604 |
| Loan and lease loss provision to assets | 0.0750% | 2,460 |
| Net operating income to assets | 0.9778% | 2,381 |
| Return on assets (ROA) | 1.0572% | 2,172 |
| Pretax return on assets | 1.3490% | 2,096 |
| Return on Equity (ROE) | 12.2024% | 1,251 |
| Retained earnings to average equity (ytd only) | 3.2094% | 3,896 |
| Net charge-offs to loans | 0.0021% | 3,050 |
| Credit loss provision to net charge-offs | 4,500.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 793.0000% | 60 |
| Efficiency ratio | 66.6176% | 3,700 |
| Assets per employee ($millions) | 4.2369% | 3,519 |
| Cash dividends to net income (ytd only)* | 73.6987% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 3,279 |
| Loan loss allowance to noncurrent loans | 111.6069% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 1.0127% | 2,180 |
| Noncurrent loans to loans | 1.1068% | 2,189 |
| Net loans and leases to total assets | 79.9204% | 827 |
| Net loans and leases to deposits | 100.1709% | 616 |
| Net loans and leases to core deposits | 108.1158% | 965 |
| Total domestic deposits to total assets | 79.7841% | 4,795 |
| Equity capital to assets | 8.8008% | 5,339 |
| Core capital (leverage) ratio | 8.6873% | 5,191 |
| Tier 1 risk-based capital ratio | 10.7921% | 5,613 |
| Total risk-based capital ratio | 11.0337% | 5,927 |
| Memoranda: | ||
| Average total assets | $959,557,500 | 754 |
| Average earning assets | $887,717,500 | 747 |
| Average equity | $83,131,500 | 956 |
| Average total loans | $770,413,000 | 649 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9371% | 3,575 |
| Cost of funding earning assets | 0.5412% | 1,835 |
| Net interest margin | 3.3960% | 3,933 |
| Noninterest income to average assets | 0.8299% | 1,674 |
| Noninterest expense to average assets | 2.5169% | 4,174 |
| Loan and lease loss provision to assets | 0.1151% | 2,080 |
| Net operating income to assets | 1.0661% | 2,061 |
| Return on assets (ROA) | 1.2602% | 1,416 |
| Pretax return on assets | 1.5781% | 1,316 |
| Return on Equity (ROE) | 14.4849% | 767 |
| Retained earnings to average equity (ytd only) | 3.5194% | 3,555 |
| Net charge-offs to loans | 0.0520% | 3,159 |
| Credit loss provision to net charge-offs | 292.9155% | 1,008 |
| Earnings coverage of net charge-offs (x) | 36.9183% | 1,250 |
| Efficiency ratio | 63.4330% | 4,379 |
| Assets per employee ($millions) | 4.4101% | 3,197 |
| Cash dividends to net income (ytd only)* | 75.7030% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 3,383 |
| Loan loss allowance to noncurrent loans | 178.8337% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.6545% | 3,080 |
| Noncurrent loans to loans | 0.6797% | 3,164 |
| Net loans and leases to total assets | 78.6965% | 1,034 |
| Net loans and leases to deposits | 105.1748% | 388 |
| Net loans and leases to core deposits | 113.5329% | 707 |
| Total domestic deposits to total assets | 74.8245% | 5,569 |
| Equity capital to assets | 8.5280% | 5,541 |
| Core capital (leverage) ratio | 8.6634% | 5,260 |
| Tier 1 risk-based capital ratio | 10.7001% | 5,675 |
| Total risk-based capital ratio | 11.9106% | 5,610 |
| Memoranda: | ||
| Average total assets | $934,038,800 | 738 |
| Average earning assets | $862,964,000 | 731 |
| Average equity | $81,263,800 | 934 |
| Average total loans | $705,855,600 | 657 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9425% | 3,576 |
| Cost of funding earning assets | 0.5435% | 1,858 |
| Net interest margin | 3.3990% | 3,963 |
| Noninterest income to average assets | 0.8589% | 1,588 |
| Noninterest expense to average assets | 2.5619% | 4,008 |
| Loan and lease loss provision to assets | 0.1224% | 1,859 |
| Net operating income to assets | 1.0605% | 2,165 |
| Return on assets (ROA) | 1.2269% | 1,622 |
| Pretax return on assets | 1.5196% | 1,627 |
| Return on Equity (ROE) | 14.0296% | 900 |
| Retained earnings to average equity (ytd only) | 2.4431% | 4,650 |
| Net charge-offs to loans | 0.0653% | 2,643 |
| Credit loss provision to net charge-offs | 251.4793% | 1,131 |
| Earnings coverage of net charge-offs (x) | 29.5204% | 1,514 |
| Efficiency ratio | 64.0730% | 4,234 |
| Assets per employee ($millions) | 4.5842% | 2,867 |
| Cash dividends to net income (ytd only)* | 82.5863% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 3,387 |
| Loan loss allowance to noncurrent loans | 150.1640% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.7762% | 2,953 |
| Noncurrent loans to loans | 0.8308% | 2,890 |
| Net loans and leases to total assets | 76.0137% | 1,386 |
| Net loans and leases to deposits | 100.5011% | 633 |
| Net loans and leases to core deposits | 106.9885% | 1,037 |
| Total domestic deposits to total assets | 75.6347% | 5,548 |
| Equity capital to assets | 8.5566% | 5,673 |
| Core capital (leverage) ratio | 8.6124% | 5,448 |
| Tier 1 risk-based capital ratio | 10.6087% | 5,837 |
| Total risk-based capital ratio | 11.8089% | 5,792 |
| Memoranda: | ||
| Average total assets | $926,097,750 | 750 |
| Average earning assets | $855,417,000 | 747 |
| Average equity | $80,988,750 | 945 |
| Average total loans | $689,968,000 | 670 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9741% | 3,394 |
| Cost of funding earning assets | 0.5522% | 1,793 |
| Net interest margin | 3.4219% | 3,823 |
| Noninterest income to average assets | 0.8321% | 1,663 |
| Noninterest expense to average assets | 2.5894% | 3,938 |
| Loan and lease loss provision to assets | 0.1309% | 1,689 |
| Net operating income to assets | 1.0457% | 2,155 |
| Return on assets (ROA) | 1.2070% | 1,661 |
| Pretax return on assets | 1.4659% | 1,744 |
| Return on Equity (ROE) | 13.6999% | 961 |
| Retained earnings to average equity (ytd only) | 0.9283% | 5,198 |
| Net charge-offs to loans | 0.0942% | 2,082 |
| Credit loss provision to net charge-offs | 188.6792% | 1,295 |
| Earnings coverage of net charge-offs (x) | 20.1855% | 1,715 |
| Efficiency ratio | 64.9062% | 4,206 |
| Assets per employee ($millions) | 4.6272% | 2,784 |
| Cash dividends to net income (ytd only)* | 93.2237% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2651% | 3,426 |
| Loan loss allowance to noncurrent loans | 163.0800% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.7247% | 3,209 |
| Noncurrent loans to loans | 0.7758% | 3,172 |
| Net loans and leases to total assets | 74.1697% | 1,632 |
| Net loans and leases to deposits | 96.0297% | 962 |
| Net loans and leases to core deposits | 102.1032% | 1,322 |
| Total domestic deposits to total assets | 77.2362% | 5,420 |
| Equity capital to assets | 8.5316% | 5,662 |
| Core capital (leverage) ratio | 8.6178% | 5,417 |
| Tier 1 risk-based capital ratio | 10.7115% | 5,839 |
| Total risk-based capital ratio | 11.9129% | 5,796 |
| Memoranda: | ||
| Average total assets | $916,958,000 | 767 |
| Average earning assets | $846,069,670 | 759 |
| Average equity | $80,788,670 | 952 |
| Average total loans | $675,303,670 | 691 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9734% | 3,325 |
| Cost of funding earning assets | 0.5559% | 1,792 |
| Net interest margin | 3.4175% | 3,770 |
| Noninterest income to average assets | 0.7821% | 1,774 |
| Noninterest expense to average assets | 2.6267% | 3,833 |
| Loan and lease loss provision to assets | 0.1325% | 1,557 |
| Net operating income to assets | 0.9795% | 2,342 |
| Return on assets (ROA) | 1.1195% | 1,907 |
| Pretax return on assets | 1.3438% | 2,105 |
| Return on Equity (ROE) | 12.5011% | 1,215 |
| Retained earnings to average equity (ytd only) | -2.5742% | 5,754 |
| Net charge-offs to loans | 0.2654% | 902 |
| Credit loss provision to net charge-offs | 68.4932% | 1,929 |
| Earnings coverage of net charge-offs (x) | 6.7603% | 2,252 |
| Efficiency ratio | 66.7639% | 4,018 |
| Assets per employee ($millions) | 4.6834% | 2,790 |
| Cash dividends to net income (ytd only)* | 120.5917% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 3,622 |
| Loan loss allowance to noncurrent loans | 143.4812% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.9101% | 2,819 |
| Noncurrent loans to loans | 0.8794% | 3,045 |
| Net loans and leases to total assets | 72.5183% | 1,731 |
| Net loans and leases to deposits | 93.2262% | 1,065 |
| Net loans and leases to core deposits | 98.1850% | 1,458 |
| Total domestic deposits to total assets | 77.7875% | 5,488 |
| Equity capital to assets | 8.8307% | 5,468 |
| Core capital (leverage) ratio | 8.7070% | 5,319 |
| Tier 1 risk-based capital ratio | 10.7461% | 5,921 |
| Total risk-based capital ratio | 11.9099% | 5,880 |
| Memoranda: | ||
| Average total assets | $905,772,000 | 776 |
| Average earning assets | $835,453,000 | 768 |
| Average equity | $81,113,000 | 942 |
| Average total loans | $660,143,000 | 710 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1067% | 3,302 |
| Cost of funding earning assets | 0.5497% | 2,206 |
| Net interest margin | 3.5570% | 3,570 |
| Noninterest income to average assets | 0.9736% | 1,274 |
| Noninterest expense to average assets | 2.7055% | 3,843 |
| Loan and lease loss provision to assets | 0.1013% | 2,464 |
| Net operating income to assets | 1.1625% | 1,709 |
| Return on assets (ROA) | 1.3839% | 1,149 |
| Pretax return on assets | 1.7194% | 949 |
| Return on Equity (ROE) | 15.4815% | 702 |
| Retained earnings to average equity (ytd only) | 4.5287% | 2,948 |
| Net charge-offs to loans | 0.3563% | 1,225 |
| Credit loss provision to net charge-offs | 41.5704% | 3,648 |
| Earnings coverage of net charge-offs (x) | 6.3353% | 3,221 |
| Efficiency ratio | 63.6653% | 4,637 |
| Assets per employee ($millions) | 4.6301% | 2,833 |
| Cash dividends to net income (ytd only)* | 70.7476% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 3,243 |
| Loan loss allowance to noncurrent loans | 112.8590% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 1.1412% | 2,479 |
| Noncurrent loans to loans | 1.1856% | 2,467 |
| Net loans and leases to total assets | 71.3358% | 2,027 |
| Net loans and leases to deposits | 90.9815% | 1,401 |
| Net loans and leases to core deposits | 96.2098% | 1,698 |
| Total domestic deposits to total assets | 78.4070% | 5,364 |
| Equity capital to assets | 9.0829% | 5,198 |
| Core capital (leverage) ratio | 8.4982% | 5,562 |
| Tier 1 risk-based capital ratio | 11.0534% | 5,887 |
| Total risk-based capital ratio | 12.3037% | 5,829 |
| Memoranda: | ||
| Average total assets | $888,313,800 | 749 |
| Average earning assets | $818,104,800 | 748 |
| Average equity | $79,404,400 | 922 |
| Average total loans | $607,631,200 | 723 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1173% | 3,310 |
| Cost of funding earning assets | 0.5501% | 2,290 |
| Net interest margin | 3.5672% | 3,567 |
| Noninterest income to average assets | 0.9880% | 1,257 |
| Noninterest expense to average assets | 2.6820% | 3,891 |
| Loan and lease loss provision to assets | 0.0902% | 2,552 |
| Net operating income to assets | 1.2019% | 1,674 |
| Return on assets (ROA) | 1.4680% | 1,029 |
| Pretax return on assets | 1.8336% | 822 |
| Return on Equity (ROE) | 16.4898% | 618 |
| Retained earnings to average equity (ytd only) | 6.5682% | 2,061 |
| Net charge-offs to loans | 0.4747% | 834 |
| Credit loss provision to net charge-offs | 28.1822% | 3,481 |
| Earnings coverage of net charge-offs (x) | 4.9718% | 3,345 |
| Efficiency ratio | 62.7643% | 4,769 |
| Assets per employee ($millions) | 4.5785% | 2,840 |
| Cash dividends to net income (ytd only)* | 60.1679% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3245% | 3,524 |
| Loan loss allowance to noncurrent loans | 90.3709% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.1696% | 2,609 |
| Noncurrent loans to loans | 1.4656% | 2,220 |
| Net loans and leases to total assets | 70.2961% | 2,147 |
| Net loans and leases to deposits | 87.9449% | 1,679 |
| Net loans and leases to core deposits | 93.0774% | 1,948 |
| Total domestic deposits to total assets | 79.9321% | 5,117 |
| Equity capital to assets | 9.3433% | 4,986 |
| Core capital (leverage) ratio | 8.5269% | 5,633 |
| Tier 1 risk-based capital ratio | 10.8559% | 6,058 |
| Total risk-based capital ratio | 12.0728% | 6,028 |
| Memoranda: | ||
| Average total assets | $886,991,500 | 755 |
| Average earning assets | $816,818,250 | 752 |
| Average equity | $78,964,250 | 931 |
| Average total loans | $598,013,000 | 735 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1335% | 3,216 |
| Cost of funding earning assets | 0.5515% | 2,336 |
| Net interest margin | 3.5819% | 3,436 |
| Noninterest income to average assets | 0.9651% | 1,296 |
| Noninterest expense to average assets | 2.7300% | 3,757 |
| Loan and lease loss provision to assets | 0.0790% | 2,709 |
| Net operating income to assets | 1.1967% | 1,599 |
| Return on assets (ROA) | 1.3341% | 1,268 |
| Pretax return on assets | 1.6152% | 1,215 |
| Return on Equity (ROE) | 15.2379% | 755 |
| Retained earnings to average equity (ytd only) | 4.7486% | 3,118 |
| Net charge-offs to loans | 0.7223% | 531 |
| Credit loss provision to net charge-offs | 16.5250% | 3,238 |
| Earnings coverage of net charge-offs (x) | 3.1992% | 3,367 |
| Efficiency ratio | 64.1064% | 4,671 |
| Assets per employee ($millions) | 4.5798% | 2,797 |
| Cash dividends to net income (ytd only)* | 68.8367% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 3,589 |
| Loan loss allowance to noncurrent loans | 86.8387% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 1.2091% | 2,668 |
| Noncurrent loans to loans | 1.5531% | 2,231 |
| Net loans and leases to total assets | 67.3785% | 2,519 |
| Net loans and leases to deposits | 85.2659% | 1,892 |
| Net loans and leases to core deposits | 90.3257% | 2,099 |
| Total domestic deposits to total assets | 79.0217% | 5,450 |
| Equity capital to assets | 9.1871% | 5,118 |
| Core capital (leverage) ratio | 8.3240% | 5,823 |
| Tier 1 risk-based capital ratio | 10.9052% | 6,090 |
| Total risk-based capital ratio | 12.1300% | 6,043 |
| Memoranda: | ||
| Average total assets | $886,579,330 | 757 |
| Average earning assets | $815,202,000 | 753 |
| Average equity | $77,622,330 | 938 |
| Average total loans | $586,427,000 | 742 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1505% | 3,067 |
| Cost of funding earning assets | 0.5567% | 2,375 |
| Net interest margin | 3.5938% | 3,267 |
| Noninterest income to average assets | 1.0217% | 1,082 |
| Noninterest expense to average assets | 2.7967% | 3,578 |
| Loan and lease loss provision to assets | 0.0901% | 2,413 |
| Net operating income to assets | 1.2153% | 1,442 |
| Return on assets (ROA) | 1.3141% | 1,223 |
| Pretax return on assets | 1.5565% | 1,272 |
| Return on Equity (ROE) | 15.3868% | 722 |
| Retained earnings to average equity (ytd only) | 3.4392% | 4,073 |
| Net charge-offs to loans | 1.4580% | 220 |
| Credit loss provision to net charge-offs | 9.4967% | 2,613 |
| Earnings coverage of net charge-offs (x) | 1.6116% | 3,058 |
| Efficiency ratio | 64.6532% | 4,753 |
| Assets per employee ($millions) | 4.6020% | 2,812 |
| Cash dividends to net income (ytd only)* | 77.6483% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3851% | 3,678 |
| Loan loss allowance to noncurrent loans | 85.3032% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 1.2220% | 2,815 |
| Noncurrent loans to loans | 1.6238% | 2,398 |
| Net loans and leases to total assets | 64.8304% | 2,755 |
| Net loans and leases to deposits | 81.5145% | 2,097 |
| Net loans and leases to core deposits | 86.7735% | 2,228 |
| Total domestic deposits to total assets | 79.5323% | 5,590 |
| Equity capital to assets | 8.8478% | 5,276 |
| Core capital (leverage) ratio | 8.1514% | 5,989 |
| Tier 1 risk-based capital ratio | 11.4095% | 5,959 |
| Total risk-based capital ratio | 12.6599% | 5,914 |
| Memoranda: | ||
| Average total assets | $887,917,500 | 760 |
| Average earning assets | $816,290,000 | 759 |
| Average equity | $75,831,000 | 964 |
| Average total loans | $577,789,000 | 758 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4833% | 2,273 |
| Cost of funding earning assets | 0.6234% | 2,449 |
| Net interest margin | 3.8599% | 2,431 |
| Noninterest income to average assets | 0.9331% | 1,575 |
| Noninterest expense to average assets | 2.6038% | 4,449 |
| Loan and lease loss provision to assets | 0.2211% | 1,649 |
| Net operating income to assets | 1.3595% | 1,113 |
| Return on assets (ROA) | 1.5389% | 799 |
| Pretax return on assets | 1.8905% | 615 |
| Return on Equity (ROE) | 17.6715% | 439 |
| Retained earnings to average equity (ytd only) | 6.3473% | 1,773 |
| Net charge-offs to loans | -0.0681% | 6,398 |
| Credit loss provision to net charge-offs | -523.0978% | 6,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9403% | 5,744 |
| Assets per employee ($millions) | 4.7202% | 2,557 |
| Cash dividends to net income (ytd only)* | 64.0815% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7154% | 2,353 |
| Loan loss allowance to noncurrent loans | 117.4588% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.1110% | 3,182 |
| Noncurrent loans to loans | 1.4604% | 2,704 |
| Net loans and leases to total assets | 63.3121% | 3,164 |
| Net loans and leases to deposits | 83.4072% | 2,009 |
| Net loans and leases to core deposits | 89.1477% | 2,121 |
| Total domestic deposits to total assets | 75.9073% | 6,104 |
| Equity capital to assets | 8.2390% | 5,834 |
| Core capital (leverage) ratio | 8.0073% | 6,126 |
| Tier 1 risk-based capital ratio | 11.0433% | 6,152 |
| Total risk-based capital ratio | 12.2972% | 6,094 |
| Memoranda: | ||
| Average total assets | $870,568,400 | 760 |
| Average earning assets | $803,132,200 | 748 |
| Average equity | $75,811,200 | 941 |
| Average total loans | $540,567,800 | 777 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5536% | 2,027 |
| Cost of funding earning assets | 0.6355% | 2,502 |
| Net interest margin | 3.9181% | 2,205 |
| Noninterest income to average assets | 0.9589% | 1,583 |
| Noninterest expense to average assets | 2.6084% | 4,363 |
| Loan and lease loss provision to assets | 0.2276% | 1,592 |
| Net operating income to assets | 1.4021% | 1,098 |
| Return on assets (ROA) | 1.6367% | 746 |
| Pretax return on assets | 2.0288% | 545 |
| Return on Equity (ROE) | 18.5355% | 404 |
| Retained earnings to average equity (ytd only) | 7.4904% | 1,648 |
| Net charge-offs to loans | -0.0733% | 6,419 |
| Credit loss provision to net charge-offs | -505.1370% | 6,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0123% | 5,800 |
| Assets per employee ($millions) | 4.5558% | 2,794 |
| Cash dividends to net income (ytd only)* | 59.5889% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6878% | 2,663 |
| Loan loss allowance to noncurrent loans | 181.8605% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.7389% | 4,261 |
| Noncurrent loans to loans | 0.9281% | 3,958 |
| Net loans and leases to total assets | 62.4904% | 3,266 |
| Net loans and leases to deposits | 78.7289% | 2,554 |
| Net loans and leases to core deposits | 83.5851% | 2,692 |
| Total domestic deposits to total assets | 79.3742% | 5,657 |
| Equity capital to assets | 8.3226% | 5,899 |
| Core capital (leverage) ratio | 8.0145% | 6,211 |
| Tier 1 risk-based capital ratio | 11.3797% | 6,105 |
| Total risk-based capital ratio | 12.6331% | 6,079 |
| Memoranda: | ||
| Average total assets | $863,998,750 | 768 |
| Average earning assets | $797,436,000 | 757 |
| Average equity | $76,291,250 | 945 |
| Average total loans | $531,279,000 | 792 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6116% | 1,813 |
| Cost of funding earning assets | 0.6441% | 2,555 |
| Net interest margin | 3.9676% | 1,977 |
| Noninterest income to average assets | 0.8891% | 1,851 |
| Noninterest expense to average assets | 2.5678% | 4,499 |
| Loan and lease loss provision to assets | 0.2383% | 1,558 |
| Net operating income to assets | 1.3974% | 1,084 |
| Return on assets (ROA) | 1.7468% | 624 |
| Pretax return on assets | 2.1882% | 427 |
| Return on Equity (ROE) | 19.4048% | 354 |
| Retained earnings to average equity (ytd only) | 8.9368% | 1,148 |
| Net charge-offs to loans | -0.2669% | 6,733 |
| Credit loss provision to net charge-offs | -146.8481% | 5,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3421% | 5,922 |
| Assets per employee ($millions) | 4.8919% | 2,241 |
| Cash dividends to net income (ytd only)* | 53.9454% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7353% | 2,647 |
| Loan loss allowance to noncurrent loans | 162.5762% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.7780% | 4,276 |
| Noncurrent loans to loans | 1.0673% | 3,791 |
| Net loans and leases to total assets | 59.7347% | 3,705 |
| Net loans and leases to deposits | 77.7713% | 2,594 |
| Net loans and leases to core deposits | 81.9401% | 2,807 |
| Total domestic deposits to total assets | 76.8082% | 6,149 |
| Equity capital to assets | 8.2539% | 6,012 |
| Core capital (leverage) ratio | 8.1307% | 6,078 |
| Tier 1 risk-based capital ratio | 11.2558% | 6,224 |
| Total risk-based capital ratio | 12.5093% | 6,187 |
| Memoranda: | ||
| Average total assets | $860,424,000 | 770 |
| Average earning assets | $795,553,330 | 764 |
| Average equity | $77,455,000 | 932 |
| Average total loans | $523,038,000 | 804 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8071% | 1,276 |
| Cost of funding earning assets | 0.6773% | 2,413 |
| Net interest margin | 4.1298% | 1,376 |
| Noninterest income to average assets | 0.8194% | 2,051 |
| Noninterest expense to average assets | 2.6172% | 4,345 |
| Loan and lease loss provision to assets | 0.2359% | 1,545 |
| Net operating income to assets | 1.4636% | 927 |
| Return on assets (ROA) | 1.7082% | 632 |
| Pretax return on assets | 2.1082% | 484 |
| Return on Equity (ROE) | 18.1866% | 422 |
| Retained earnings to average equity (ytd only) | 9.1260% | 1,345 |
| Net charge-offs to loans | -0.5533% | 6,864 |
| Credit loss provision to net charge-offs | -70.1262% | 5,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1709% | 6,050 |
| Assets per employee ($millions) | 4.8147% | 2,460 |
| Cash dividends to net income (ytd only)* | 49.8205% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7151% | 2,948 |
| Loan loss allowance to noncurrent loans | 97.4721% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 1.2011% | 3,568 |
| Noncurrent loans to loans | 1.7596% | 2,922 |
| Net loans and leases to total assets | 59.7145% | 3,482 |
| Net loans and leases to deposits | 75.7719% | 2,673 |
| Net loans and leases to core deposits | 80.3871% | 2,762 |
| Total domestic deposits to total assets | 78.8082% | 5,994 |
| Equity capital to assets | 9.3969% | 5,004 |
| Core capital (leverage) ratio | 8.0900% | 6,060 |
| Tier 1 risk-based capital ratio | 11.6607% | 6,103 |
| Total risk-based capital ratio | 12.9142% | 6,078 |
| Memoranda: | ||
| Average total assets | $847,920,000 | 787 |
| Average earning assets | $788,413,000 | 777 |
| Average equity | $79,641,000 | 922 |
| Average total loans | $515,432,000 | 820 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9566% | 1,670 |
| Cost of funding earning assets | 0.8388% | 2,368 |
| Net interest margin | 4.1179% | 1,932 |
| Noninterest income to average assets | 1.0944% | 1,291 |
| Noninterest expense to average assets | 2.6294% | 4,646 |
| Loan and lease loss provision to assets | 0.3139% | 2,182 |
| Net operating income to assets | 1.6407% | 701 |
| Return on assets (ROA) | 1.6841% | 718 |
| Pretax return on assets | 1.9957% | 607 |
| Return on Equity (ROE) | 18.1084% | 439 |
| Retained earnings to average equity (ytd only) | 7.3690% | 1,386 |
| Net charge-offs to loans | 0.4373% | 2,489 |
| Credit loss provision to net charge-offs | 122.4539% | 2,329 |
| Earnings coverage of net charge-offs (x) | 8.8075% | 2,350 |
| Efficiency ratio | 53.7994% | 6,286 |
| Assets per employee ($millions) | 4.8483% | 2,418 |
| Cash dividends to net income (ytd only)* | 59.3060% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4761% | 3,841 |
| Loan loss allowance to noncurrent loans | 65.0636% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 1.5506% | 3,058 |
| Noncurrent loans to loans | 2.2687% | 2,384 |
| Net loans and leases to total assets | 59.9213% | 3,619 |
| Net loans and leases to deposits | 78.4793% | 2,467 |
| Net loans and leases to core deposits | 82.4134% | 2,724 |
| Total domestic deposits to total assets | 76.3530% | 6,313 |
| Equity capital to assets | 9.3881% | 5,015 |
| Core capital (leverage) ratio | 8.0224% | 6,172 |
| Tier 1 risk-based capital ratio | 11.5838% | 6,041 |
| Total risk-based capital ratio | 12.8350% | 6,002 |
| Memoranda: | ||
| Average total assets | $804,297,800 | 819 |
| Average earning assets | $740,843,800 | 807 |
| Average equity | $74,799,400 | 947 |
| Average total loans | $471,554,400 | 866 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0356% | 1,594 |
| Cost of funding earning assets | 0.8737% | 2,369 |
| Net interest margin | 4.1619% | 1,860 |
| Noninterest income to average assets | 1.1093% | 1,227 |
| Noninterest expense to average assets | 2.6410% | 4,601 |
| Loan and lease loss provision to assets | 0.3025% | 2,183 |
| Net operating income to assets | 1.6817% | 714 |
| Return on assets (ROA) | 1.7213% | 724 |
| Pretax return on assets | 2.0369% | 653 |
| Return on Equity (ROE) | 18.5556% | 438 |
| Retained earnings to average equity (ytd only) | 8.0086% | 1,614 |
| Net charge-offs to loans | 0.4150% | 2,429 |
| Credit loss provision to net charge-offs | 125.6106% | 2,292 |
| Earnings coverage of net charge-offs (x) | 9.5199% | 2,314 |
| Efficiency ratio | 53.5275% | 6,301 |
| Assets per employee ($millions) | 4.5508% | 2,821 |
| Cash dividends to net income (ytd only)* | 56.8401% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5432% | 3,758 |
| Loan loss allowance to noncurrent loans | 62.4668% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 1.6262% | 3,149 |
| Noncurrent loans to loans | 2.4704% | 2,330 |
| Net loans and leases to total assets | 57.6175% | 4,189 |
| Net loans and leases to deposits | 74.1422% | 3,261 |
| Net loans and leases to core deposits | 76.8178% | 3,626 |
| Total domestic deposits to total assets | 77.7122% | 6,133 |
| Equity capital to assets | 9.5948% | 5,070 |
| Core capital (leverage) ratio | 8.1060% | 6,224 |
| Tier 1 risk-based capital ratio | 11.8442% | 6,030 |
| Total risk-based capital ratio | 13.0966% | 6,010 |
| Memoranda: | ||
| Average total assets | $793,260,750 | 841 |
| Average earning assets | $728,981,750 | 825 |
| Average equity | $73,586,000 | 964 |
| Average total loans | $460,438,750 | 897 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1415% | 1,399 |
| Cost of funding earning assets | 0.8955% | 2,437 |
| Net interest margin | 4.2461% | 1,619 |
| Noninterest income to average assets | 1.0973% | 1,191 |
| Noninterest expense to average assets | 2.6813% | 4,491 |
| Loan and lease loss provision to assets | 0.3077% | 2,148 |
| Net operating income to assets | 1.6898% | 688 |
| Return on assets (ROA) | 1.7508% | 687 |
| Pretax return on assets | 2.0693% | 610 |
| Return on Equity (ROE) | 19.1076% | 409 |
| Retained earnings to average equity (ytd only) | 8.4388% | 1,468 |
| Net charge-offs to loans | 0.4058% | 2,404 |
| Credit loss provision to net charge-offs | 131.0044% | 2,093 |
| Earnings coverage of net charge-offs (x) | 9.8155% | 2,127 |
| Efficiency ratio | 53.7714% | 6,336 |
| Assets per employee ($millions) | 4.4010% | 3,090 |
| Cash dividends to net income (ytd only)* | 55.8354% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5863% | 3,651 |
| Loan loss allowance to noncurrent loans | 85.2493% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.2701% | 3,887 |
| Noncurrent loans to loans | 1.8608% | 3,137 |
| Net loans and leases to total assets | 57.2940% | 4,281 |
| Net loans and leases to deposits | 71.9247% | 3,624 |
| Net loans and leases to core deposits | 74.6891% | 3,933 |
| Total domestic deposits to total assets | 79.6583% | 5,828 |
| Equity capital to assets | 9.2862% | 5,344 |
| Core capital (leverage) ratio | 8.0336% | 6,236 |
| Tier 1 risk-based capital ratio | 11.7742% | 6,075 |
| Total risk-based capital ratio | 13.0258% | 6,053 |
| Memoranda: | ||
| Average total assets | $780,080,330 | 856 |
| Average earning assets | $714,496,330 | 845 |
| Average equity | $71,479,330 | 984 |
| Average total loans | $451,464,670 | 919 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2328% | 1,245 |
| Cost of funding earning assets | 0.9204% | 2,516 |
| Net interest margin | 4.3124% | 1,430 |
| Noninterest income to average assets | 1.1316% | 1,098 |
| Noninterest expense to average assets | 2.7734% | 4,148 |
| Loan and lease loss provision to assets | 0.3127% | 2,005 |
| Net operating income to assets | 1.7015% | 718 |
| Return on assets (ROA) | 1.7972% | 671 |
| Pretax return on assets | 2.1021% | 633 |
| Return on Equity (ROE) | 19.7525% | 402 |
| Retained earnings to average equity (ytd only) | 8.8279% | 1,651 |
| Net charge-offs to loans | 0.0081% | 4,615 |
| Credit loss provision to net charge-offs | 6,666.6667% | 32 |
| Earnings coverage of net charge-offs (x) | 490.7778% | 51 |
| Efficiency ratio | 54.6416% | 6,274 |
| Assets per employee ($millions) | 4.3663% | 3,265 |
| Cash dividends to net income (ytd only)* | 55.3074% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7377% | 3,199 |
| Loan loss allowance to noncurrent loans | 68.4913% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 1.7070% | 3,297 |
| Noncurrent loans to loans | 2.5371% | 2,567 |
| Net loans and leases to total assets | 56.0356% | 4,380 |
| Net loans and leases to deposits | 70.2657% | 3,698 |
| Net loans and leases to core deposits | 73.4961% | 3,959 |
| Total domestic deposits to total assets | 79.7481% | 5,911 |
| Equity capital to assets | 9.1967% | 5,236 |
| Core capital (leverage) ratio | 8.2663% | 5,933 |
| Tier 1 risk-based capital ratio | 11.8227% | 6,068 |
| Total risk-based capital ratio | 13.0756% | 6,053 |
| Memoranda: | ||
| Average total assets | $767,425,000 | 869 |
| Average earning assets | $701,884,500 | 864 |
| Average equity | $69,824,000 | 998 |
| Average total loans | $442,757,500 | 936 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5108% | 1,144 |
| Cost of funding earning assets | 1.1706% | 2,219 |
| Net interest margin | 4.3402% | 1,575 |
| Noninterest income to average assets | 1.0542% | 1,207 |
| Noninterest expense to average assets | 2.7044% | 4,725 |
| Loan and lease loss provision to assets | 0.3754% | 2,743 |
| Net operating income to assets | 1.6673% | 585 |
| Return on assets (ROA) | 1.6825% | 607 |
| Pretax return on assets | 1.9413% | 610 |
| Return on Equity (ROE) | 19.8072% | 269 |
| Retained earnings to average equity (ytd only) | 7.9150% | 1,110 |
| Net charge-offs to loans | 0.3698% | 3,557 |
| Credit loss provision to net charge-offs | 170.7780% | 1,572 |
| Earnings coverage of net charge-offs (x) | 10.4611% | 1,836 |
| Efficiency ratio | 54.0481% | 6,511 |
| Assets per employee ($millions) | 4.3796% | 3,096 |
| Cash dividends to net income (ytd only)* | 60.0397% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6266% | 3,483 |
| Loan loss allowance to noncurrent loans | 59.5670% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 1.8790% | 3,141 |
| Noncurrent loans to loans | 2.7307% | 2,384 |
| Net loans and leases to total assets | 57.4366% | 4,475 |
| Net loans and leases to deposits | 74.1408% | 3,480 |
| Net loans and leases to core deposits | 77.0910% | 3,812 |
| Total domestic deposits to total assets | 77.4696% | 6,273 |
| Equity capital to assets | 8.9966% | 5,553 |
| Core capital (leverage) ratio | 8.2412% | 5,936 |
| Tier 1 risk-based capital ratio | 12.0684% | 5,785 |
| Total risk-based capital ratio | 13.3220% | 5,769 |
| Memoranda: | ||
| Average total assets | $719,307,400 | 912 |
| Average earning assets | $654,550,800 | 907 |
| Average equity | $61,099,000 | 1,107 |
| Average total loans | $427,577,800 | 976 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5353% | 1,170 |
| Cost of funding earning assets | 1.2214% | 2,182 |
| Net interest margin | 4.3139% | 1,665 |
| Noninterest income to average assets | 1.0605% | 1,193 |
| Noninterest expense to average assets | 2.7037% | 4,711 |
| Loan and lease loss provision to assets | 0.3376% | 2,856 |
| Net operating income to assets | 1.6776% | 670 |
| Return on assets (ROA) | 1.6792% | 728 |
| Pretax return on assets | 1.9425% | 706 |
| Return on Equity (ROE) | 20.0832% | 309 |
| Retained earnings to average equity (ytd only) | 7.7443% | 1,608 |
| Net charge-offs to loans | 0.4648% | 2,878 |
| Credit loss provision to net charge-offs | 121.6216% | 2,664 |
| Earnings coverage of net charge-offs (x) | 8.2068% | 2,216 |
| Efficiency ratio | 54.2696% | 6,461 |
| Assets per employee ($millions) | 4.4449% | 3,009 |
| Cash dividends to net income (ytd only)* | 61.4388% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4675% | 4,258 |
| Loan loss allowance to noncurrent loans | 44.3042% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 2.2326% | 2,857 |
| Noncurrent loans to loans | 3.3123% | 2,080 |
| Net loans and leases to total assets | 57.4839% | 4,590 |
| Net loans and leases to deposits | 73.9854% | 3,656 |
| Net loans and leases to core deposits | 76.4246% | 4,151 |
| Total domestic deposits to total assets | 77.6962% | 6,252 |
| Equity capital to assets | 8.9751% | 5,783 |
| Core capital (leverage) ratio | 8.0311% | 6,369 |
| Tier 1 risk-based capital ratio | 11.9687% | 5,914 |
| Total risk-based capital ratio | 13.2239% | 5,898 |
| Memoranda: | ||
| Average total assets | $710,812,250 | 927 |
| Average earning assets | $646,136,000 | 929 |
| Average equity | $59,431,250 | 1,139 |
| Average total loans | $424,518,000 | 993 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5813% | 1,104 |
| Cost of funding earning assets | 1.2451% | 2,286 |
| Net interest margin | 4.3361% | 1,548 |
| Noninterest income to average assets | 1.0495% | 1,194 |
| Noninterest expense to average assets | 2.7316% | 4,697 |
| Loan and lease loss provision to assets | 0.3427% | 2,729 |
| Net operating income to assets | 1.6533% | 663 |
| Return on assets (ROA) | 1.6535% | 704 |
| Pretax return on assets | 1.9088% | 697 |
| Return on Equity (ROE) | 20.3034% | 297 |
| Retained earnings to average equity (ytd only) | 7.2061% | 1,784 |
| Net charge-offs to loans | 0.6977% | 2,109 |
| Credit loss provision to net charge-offs | 81.5772% | 3,720 |
| Earnings coverage of net charge-offs (x) | 5.3589% | 2,632 |
| Efficiency ratio | 54.8200% | 6,526 |
| Assets per employee ($millions) | 4.4542% | 2,921 |
| Cash dividends to net income (ytd only)* | 64.5078% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3542% | 4,810 |
| Loan loss allowance to noncurrent loans | 52.8274% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 1.5966% | 3,806 |
| Noncurrent loans to loans | 2.5634% | 2,812 |
| Net loans and leases to total assets | 57.1325% | 4,798 |
| Net loans and leases to deposits | 73.3359% | 3,894 |
| Net loans and leases to core deposits | 75.7386% | 4,349 |
| Total domestic deposits to total assets | 77.9052% | 6,303 |
| Equity capital to assets | 8.3200% | 6,398 |
| Core capital (leverage) ratio | 8.1258% | 6,124 |
| Tier 1 risk-based capital ratio | 12.2555% | 5,564 |
| Total risk-based capital ratio | 13.4850% | 5,562 |
| Memoranda: | ||
| Average total assets | $700,319,670 | 949 |
| Average earning assets | $635,266,000 | 947 |
| Average equity | $57,034,670 | 1,175 |
| Average total loans | $421,673,330 | 1,019 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7783% | 771 |
| Cost of funding earning assets | 1.2882% | 2,253 |
| Net interest margin | 4.4901% | 1,092 |
| Noninterest income to average assets | 1.0612% | 1,167 |
| Noninterest expense to average assets | 2.8445% | 4,283 |
| Loan and lease loss provision to assets | 0.3514% | 2,453 |
| Net operating income to assets | 1.6358% | 639 |
| Return on assets (ROA) | 1.6363% | 676 |
| Pretax return on assets | 1.9221% | 648 |
| Return on Equity (ROE) | 20.3279% | 317 |
| Retained earnings to average equity (ytd only) | 5.9951% | 2,637 |
| Net charge-offs to loans | -0.0048% | 6,234 |
| Credit loss provision to net charge-offs | -12,000.0000% | 6,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5848% | 6,546 |
| Assets per employee ($millions) | 4.0947% | 3,655 |
| Cash dividends to net income (ytd only)* | 70.5082% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5922% | 3,764 |
| Loan loss allowance to noncurrent loans | 51.4689% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 2.0487% | 3,262 |
| Noncurrent loans to loans | 3.0936% | 2,423 |
| Net loans and leases to total assets | 60.0143% | 4,257 |
| Net loans and leases to deposits | 77.1393% | 3,230 |
| Net loans and leases to core deposits | 80.1751% | 3,728 |
| Total domestic deposits to total assets | 77.7999% | 6,402 |
| Equity capital to assets | 8.1875% | 6,296 |
| Core capital (leverage) ratio | 8.2566% | 5,891 |
| Tier 1 risk-based capital ratio | 12.6067% | 5,158 |
| Total risk-based capital ratio | 13.8711% | 5,126 |
| Memoranda: | ||
| Average total assets | $683,010,000 | 978 |
| Average earning assets | $616,998,000 | 982 |
| Average equity | $54,978,500 | 1,210 |
| Average total loans | $419,683,500 | 1,029 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8133% | 1,247 |
| Cost of funding earning assets | 1.5911% | 2,120 |
| Net interest margin | 4.2221% | 2,086 |
| Noninterest income to average assets | 1.0567% | 1,343 |
| Noninterest expense to average assets | 2.7550% | 4,765 |
| Loan and lease loss provision to assets | 0.3122% | 4,307 |
| Net operating income to assets | 1.5815% | 641 |
| Return on assets (ROA) | 1.6011% | 670 |
| Pretax return on assets | 1.8185% | 731 |
| Return on Equity (ROE) | 19.2493% | 295 |
| Retained earnings to average equity (ytd only) | 6.3902% | 1,624 |
| Net charge-offs to loans | 0.1853% | 5,193 |
| Credit loss provision to net charge-offs | 278.4974% | 975 |
| Earnings coverage of net charge-offs (x) | 18.8070% | 1,090 |
| Efficiency ratio | 56.6468% | 6,506 |
| Assets per employee ($millions) | 4.1346% | 3,503 |
| Cash dividends to net income (ytd only)* | 66.8027% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4289% | 4,382 |
| Loan loss allowance to noncurrent loans | 97.1038% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 1.0001% | 5,001 |
| Noncurrent loans to loans | 1.4716% | 4,278 |
| Net loans and leases to total assets | 61.0235% | 4,483 |
| Net loans and leases to deposits | 79.9834% | 3,183 |
| Net loans and leases to core deposits | 82.9846% | 3,749 |
| Total domestic deposits to total assets | 76.2952% | 6,599 |
| Equity capital to assets | 7.9111% | 6,568 |
| Core capital (leverage) ratio | 8.1699% | 5,875 |
| Tier 1 risk-based capital ratio | 12.5149% | 5,010 |
| Total risk-based capital ratio | 13.7756% | 4,990 |
| Memoranda: | ||
| Average total assets | $688,590,600 | 966 |
| Average earning assets | $620,872,000 | 972 |
| Average equity | $57,274,800 | 1,158 |
| Average total loans | $416,528,000 | 1,073 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8091% | 1,367 |
| Cost of funding earning assets | 1.6416% | 2,153 |
| Net interest margin | 4.1675% | 2,342 |
| Noninterest income to average assets | 1.0439% | 1,327 |
| Noninterest expense to average assets | 2.7634% | 4,626 |
| Loan and lease loss provision to assets | 0.2705% | 4,423 |
| Net operating income to assets | 1.5469% | 833 |
| Return on assets (ROA) | 1.5657% | 871 |
| Pretax return on assets | 1.7861% | 950 |
| Return on Equity (ROE) | 18.5993% | 425 |
| Retained earnings to average equity (ytd only) | 5.7485% | 2,512 |
| Net charge-offs to loans | 0.1857% | 4,840 |
| Credit loss provision to net charge-offs | 242.2145% | 1,394 |
| Earnings coverage of net charge-offs (x) | 18.2266% | 1,276 |
| Efficiency ratio | 57.5886% | 6,330 |
| Assets per employee ($millions) | 4.2423% | 3,371 |
| Cash dividends to net income (ytd only)* | 69.0931% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3096% | 4,905 |
| Loan loss allowance to noncurrent loans | 79.2106% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 1.0786% | 4,955 |
| Noncurrent loans to loans | 1.6533% | 4,162 |
| Net loans and leases to total assets | 58.6309% | 5,164 |
| Net loans and leases to deposits | 76.8944% | 4,025 |
| Net loans and leases to core deposits | 81.1822% | 4,358 |
| Total domestic deposits to total assets | 76.2486% | 6,608 |
| Equity capital to assets | 8.9575% | 5,643 |
| Core capital (leverage) ratio | 7.9952% | 6,349 |
| Tier 1 risk-based capital ratio | 12.2958% | 5,187 |
| Total risk-based capital ratio | 13.5197% | 5,179 |
| Memoranda: | ||
| Average total assets | $690,186,250 | 970 |
| Average earning assets | $621,810,500 | 979 |
| Average equity | $58,101,000 | 1,147 |
| Average total loans | $415,074,500 | 1,091 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8326% | 1,341 |
| Cost of funding earning assets | 1.6966% | 2,135 |
| Net interest margin | 4.1360% | 2,397 |
| Noninterest income to average assets | 1.0640% | 1,185 |
| Noninterest expense to average assets | 2.8335% | 4,345 |
| Loan and lease loss provision to assets | 0.2042% | 4,833 |
| Net operating income to assets | 1.5297% | 850 |
| Return on assets (ROA) | 1.5297% | 910 |
| Pretax return on assets | 1.7462% | 967 |
| Return on Equity (ROE) | 18.5787% | 420 |
| Retained earnings to average equity (ytd only) | 4.9893% | 2,905 |
| Net charge-offs to loans | 0.1498% | 4,737 |
| Credit loss provision to net charge-offs | 225.8065% | 1,715 |
| Earnings coverage of net charge-offs (x) | 21.5645% | 1,170 |
| Efficiency ratio | 59.2303% | 6,181 |
| Assets per employee ($millions) | 4.1746% | 3,442 |
| Cash dividends to net income (ytd only)* | 73.1451% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2083% | 5,404 |
| Loan loss allowance to noncurrent loans | 75.9290% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 1.0356% | 5,065 |
| Noncurrent loans to loans | 1.5913% | 4,320 |
| Net loans and leases to total assets | 58.8381% | 5,275 |
| Net loans and leases to deposits | 77.4363% | 4,095 |
| Net loans and leases to core deposits | 81.7029% | 4,458 |
| Total domestic deposits to total assets | 75.9825% | 6,697 |
| Equity capital to assets | 8.3414% | 6,368 |
| Core capital (leverage) ratio | 7.8826% | 6,405 |
| Tier 1 risk-based capital ratio | 11.9833% | 5,330 |
| Total risk-based capital ratio | 13.1040% | 5,410 |
| Memoranda: | ||
| Average total assets | $685,505,670 | 980 |
| Average earning assets | $616,530,330 | 997 |
| Average equity | $56,441,000 | 1,168 |
| Average total loans | $413,974,670 | 1,103 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8827% | 1,240 |
| Cost of funding earning assets | 1.7763% | 1,991 |
| Net interest margin | 4.1064% | 2,412 |
| Noninterest income to average assets | 1.0018% | 1,301 |
| Noninterest expense to average assets | 2.8761% | 4,159 |
| Loan and lease loss provision to assets | 0.1771% | 4,750 |
| Net operating income to assets | 1.4563% | 970 |
| Return on assets (ROA) | 1.4563% | 1,046 |
| Pretax return on assets | 1.6252% | 1,206 |
| Return on Equity (ROE) | 17.8087% | 531 |
| Retained earnings to average equity (ytd only) | 5.0676% | 3,122 |
| Net charge-offs to loans | 0.0903% | 4,511 |
| Credit loss provision to net charge-offs | 322.5806% | 1,228 |
| Earnings coverage of net charge-offs (x) | 32.8280% | 817 |
| Efficiency ratio | 61.4763% | 5,914 |
| Assets per employee ($millions) | 4.0908% | 3,658 |
| Cash dividends to net income (ytd only)* | 71.5444% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 5,640 |
| Loan loss allowance to noncurrent loans | 125.9777% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.6605% | 5,864 |
| Noncurrent loans to loans | 0.9316% | 5,458 |
| Net loans and leases to total assets | 59.5980% | 5,189 |
| Net loans and leases to deposits | 78.1483% | 4,013 |
| Net loans and leases to core deposits | 81.5262% | 4,556 |
| Total domestic deposits to total assets | 76.2628% | 6,713 |
| Equity capital to assets | 8.1055% | 6,536 |
| Core capital (leverage) ratio | 7.9356% | 6,333 |
| Tier 1 risk-based capital ratio | 12.1044% | 5,084 |
| Total risk-based capital ratio | 13.2069% | 5,201 |
| Memoranda: | ||
| Average total assets | $677,591,000 | 1,015 |
| Average earning assets | $606,658,500 | 1,037 |
| Average equity | $55,411,000 | 1,203 |
| Average total loans | $412,112,500 | 1,145 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0757% | 1,586 |
| Cost of funding earning assets | 2.1004% | 2,460 |
| Net interest margin | 3.9753% | 2,967 |
| Noninterest income to average assets | 1.0854% | 1,307 |
| Noninterest expense to average assets | 2.9453% | 4,363 |
| Loan and lease loss provision to assets | 0.1397% | 6,245 |
| Net operating income to assets | 1.4442% | 778 |
| Return on assets (ROA) | 1.3808% | 937 |
| Pretax return on assets | 1.5093% | 1,167 |
| Return on Equity (ROE) | 17.3142% | 425 |
| Retained earnings to average equity (ytd only) | 3.5439% | 2,696 |
| Net charge-offs to loans | 0.1549% | 5,717 |
| Credit loss provision to net charge-offs | 148.8636% | 3,129 |
| Earnings coverage of net charge-offs (x) | 18.3117% | 1,134 |
| Efficiency ratio | 63.1505% | 5,940 |
| Assets per employee ($millions) | 3.9290% | 3,957 |
| Cash dividends to net income (ytd only)* | 79.5322% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 5,713 |
| Loan loss allowance to noncurrent loans | 104.5108% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.7677% | 5,564 |
| Noncurrent loans to loans | 1.0874% | 5,145 |
| Net loans and leases to total assets | 60.6523% | 5,246 |
| Net loans and leases to deposits | 81.0072% | 3,798 |
| Net loans and leases to core deposits | 96.3968% | 4,411 |
| Total domestic deposits to total assets | 74.8728% | 6,888 |
| Equity capital to assets | 8.2519% | 6,270 |
| Core capital (leverage) ratio | 8.0031% | 6,187 |
| Tier 1 risk-based capital ratio | 12.3261% | 4,654 |
| Total risk-based capital ratio | 13.4037% | 4,774 |
| Memoranda: | ||
| Average total assets | $656,339,400 | 1,056 |
| Average earning assets | $590,827,000 | 1,062 |
| Average equity | $52,344,200 | 1,269 |
| Average total loans | $397,665,400 | 1,210 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0722% | 1,755 |
| Cost of funding earning assets | 2.1448% | 2,681 |
| Net interest margin | 3.9274% | 3,133 |
| Noninterest income to average assets | 1.0543% | 1,432 |
| Noninterest expense to average assets | 2.9133% | 4,398 |
| Loan and lease loss provision to assets | 0.1188% | 6,178 |
| Net operating income to assets | 1.4397% | 945 |
| Return on assets (ROA) | 1.3216% | 1,239 |
| Pretax return on assets | 1.4299% | 1,624 |
| Return on Equity (ROE) | 16.7195% | 578 |
| Retained earnings to average equity (ytd only) | 3.0615% | 3,611 |
| Net charge-offs to loans | 0.1554% | 5,154 |
| Credit loss provision to net charge-offs | 126.5217% | 3,974 |
| Earnings coverage of net charge-offs (x) | 17.8673% | 1,381 |
| Efficiency ratio | 63.4662% | 5,848 |
| Assets per employee ($millions) | 3.8710% | 4,017 |
| Cash dividends to net income (ytd only)* | 81.6891% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1018% | 5,713 |
| Loan loss allowance to noncurrent loans | 76.6256% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 1.0400% | 5,000 |
| Noncurrent loans to loans | 1.4379% | 4,513 |
| Net loans and leases to total assets | 60.0199% | 5,577 |
| Net loans and leases to deposits | 81.5845% | 4,100 |
| Net loans and leases to core deposits | 98.2597% | 4,573 |
| Total domestic deposits to total assets | 73.5678% | 7,018 |
| Equity capital to assets | 8.7861% | 5,823 |
| Core capital (leverage) ratio | 7.9940% | 6,368 |
| Tier 1 risk-based capital ratio | 12.0255% | 4,951 |
| Total risk-based capital ratio | 13.0506% | 5,099 |
| Memoranda: | ||
| Average total assets | $653,441,000 | 1,077 |
| Average earning assets | $588,329,000 | 1,087 |
| Average equity | $51,651,000 | 1,309 |
| Average total loans | $394,638,250 | 1,234 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1002% | 1,791 |
| Cost of funding earning assets | 2.1638% | 2,965 |
| Net interest margin | 3.9364% | 2,949 |
| Noninterest income to average assets | 1.0129% | 1,550 |
| Noninterest expense to average assets | 2.8699% | 4,640 |
| Loan and lease loss provision to assets | 0.0963% | 6,206 |
| Net operating income to assets | 1.4396% | 945 |
| Return on assets (ROA) | 1.3786% | 1,140 |
| Pretax return on assets | 1.5141% | 1,404 |
| Return on Equity (ROE) | 18.1383% | 483 |
| Retained earnings to average equity (ytd only) | 3.8169% | 3,170 |
| Net charge-offs to loans | 0.1490% | 4,701 |
| Credit loss provision to net charge-offs | 107.2165% | 4,301 |
| Earnings coverage of net charge-offs (x) | 18.6770% | 1,397 |
| Efficiency ratio | 63.1125% | 6,071 |
| Assets per employee ($millions) | 3.7880% | 4,129 |
| Cash dividends to net income (ytd only)* | 78.9568% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 5,583 |
| Loan loss allowance to noncurrent loans | 164.1170% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.5377% | 6,084 |
| Noncurrent loans to loans | 0.6720% | 5,904 |
| Net loans and leases to total assets | 59.5499% | 5,750 |
| Net loans and leases to deposits | 78.9276% | 4,714 |
| Net loans and leases to core deposits | 98.3211% | 4,669 |
| Total domestic deposits to total assets | 75.4488% | 6,674 |
| Equity capital to assets | 7.6177% | 7,161 |
| Core capital (leverage) ratio | 8.0799% | 6,199 |
| Tier 1 risk-based capital ratio | 12.2912% | 4,682 |
| Total risk-based capital ratio | 13.3131% | 4,779 |
| Memoranda: | ||
| Average total assets | $648,026,670 | 1,102 |
| Average earning assets | $581,849,330 | 1,118 |
| Average equity | $49,255,000 | 1,398 |
| Average total loans | $390,710,330 | 1,271 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1217% | 1,860 |
| Cost of funding earning assets | 2.1437% | 3,444 |
| Net interest margin | 3.9780% | 2,739 |
| Noninterest income to average assets | 0.9912% | 1,509 |
| Noninterest expense to average assets | 2.8234% | 4,454 |
| Loan and lease loss provision to assets | 0.0784% | 5,970 |
| Net operating income to assets | 1.4793% | 974 |
| Return on assets (ROA) | 1.4793% | 1,052 |
| Pretax return on assets | 1.6511% | 1,287 |
| Return on Equity (ROE) | 19.4842% | 463 |
| Retained earnings to average equity (ytd only) | 5.0269% | 3,114 |
| Net charge-offs to loans | 0.0423% | 4,888 |
| Credit loss provision to net charge-offs | 307.3171% | 1,582 |
| Earnings coverage of net charge-offs (x) | 67.7561% | 587 |
| Efficiency ratio | 62.0129% | 6,046 |
| Assets per employee ($millions) | 3.7091% | 4,322 |
| Cash dividends to net income (ytd only)* | 74.2003% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1389% | 5,196 |
| Loan loss allowance to noncurrent loans | 198.7025% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.4370% | 6,190 |
| Noncurrent loans to loans | 0.5732% | 5,974 |
| Net loans and leases to total assets | 60.0752% | 5,638 |
| Net loans and leases to deposits | 85.4671% | 3,721 |
| Net loans and leases to core deposits | 105.1084% | 4,015 |
| Total domestic deposits to total assets | 70.2904% | 7,399 |
| Equity capital to assets | 7.5162% | 7,343 |
| Core capital (leverage) ratio | 8.1455% | 6,193 |
| Tier 1 risk-based capital ratio | 12.6771% | 4,413 |
| Total risk-based capital ratio | 13.7492% | 4,468 |
| Memoranda: | ||
| Average total assets | $642,485,500 | 1,113 |
| Average earning assets | $575,268,000 | 1,134 |
| Average equity | $48,778,000 | 1,416 |
| Average total loans | $387,627,500 | 1,285 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3298% | 3,794 |
| Cost of funding earning assets | 2.6537% | 3,400 |
| Net interest margin | 3.6761% | 4,571 |
| Noninterest income to average assets | 1.1980% | 1,047 |
| Noninterest expense to average assets | 2.8039% | 4,799 |
| Loan and lease loss provision to assets | 0.0601% | 6,658 |
| Net operating income to assets | 1.4439% | 1,137 |
| Return on assets (ROA) | 1.4801% | 1,022 |
| Pretax return on assets | 1.6700% | 1,215 |
| Return on Equity (ROE) | 17.6742% | 558 |
| Retained earnings to average equity (ytd only) | 0.9106% | 4,682 |
| Net charge-offs to loans | 0.0401% | 6,224 |
| Credit loss provision to net charge-offs | 251.6779% | 1,848 |
| Earnings coverage of net charge-offs (x) | 70.7718% | 575 |
| Efficiency ratio | 62.4024% | 5,876 |
| Assets per employee ($millions) | 3.8065% | 3,941 |
| Cash dividends to net income (ytd only)* | 94.8479% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1305% | 5,054 |
| Loan loss allowance to noncurrent loans | 248.2051% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.3452% | 6,217 |
| Noncurrent loans to loans | 0.4555% | 5,978 |
| Net loans and leases to total assets | 59.2216% | 6,023 |
| Net loans and leases to deposits | 89.9774% | 3,460 |
| Net loans and leases to core deposits | 111.1006% | 3,667 |
| Total domestic deposits to total assets | 65.8184% | 7,670 |
| Equity capital to assets | 7.6678% | 7,241 |
| Core capital (leverage) ratio | 8.2635% | 6,023 |
| Tier 1 risk-based capital ratio | 12.8103% | 4,212 |
| Total risk-based capital ratio | 13.8727% | 4,260 |
| Memoranda: | ||
| Average total assets | $624,202,600 | 1,073 |
| Average earning assets | $559,528,000 | 1,102 |
| Average equity | $52,274,000 | 1,287 |
| Average total loans | $371,602,000 | 1,307 |