Home > North State Bank > Performance and Condition Ratios
North 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 | 4.9981% | 2,072 |
| Cost of funding earning assets | 1.0766% | 3,124 |
| Net interest margin | 3.9214% | 1,335 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 3.3475% | 703 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 1.0107% | 2,183 |
| Return on assets (ROA) | 1.0107% | 2,167 |
| Pretax return on assets | 1.0107% | 2,654 |
| Return on Equity (ROE) | 12.6100% | 1,818 |
| Retained earnings to average equity (ytd only) | 2.5243% | 3,438 |
| Net charge-offs to loans | -0.0429% | 4,338 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.5943% | 1,106 |
| Assets per employee ($millions) | 7.0607% | 2,030 |
| Cash dividends to net income (ytd only)* | 79.9896% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6043% | 4,238 |
| Loan loss allowance to noncurrent loans | 367.7760% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.1375% | 2,603 |
| Noncurrent loans to loans | 0.1643% | 2,698 |
| Net loans and leases to total assets | 83.1700% | 329 |
| Net loans and leases to deposits | 99.0591% | 591 |
| Net loans and leases to core deposits | 100.9421% | 1,378 |
| Total domestic deposits to total assets | 83.9600% | 2,630 |
| Equity capital to assets | 7.9171% | 3,466 |
| Core capital (leverage) ratio | 7.8660% | 4,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0845% | 2,804 |
| Memoranda: | ||
| Average total assets | $1,330,625,400 | 787 |
| Average earning assets | $1,242,656,200 | 773 |
| Average equity | $106,605,200 | 907 |
| Average total loans | $1,109,115,400 | 673 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8820% | 2,102 |
| Cost of funding earning assets | 0.8615% | 3,372 |
| Net interest margin | 4.0205% | 1,191 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 3.4206% | 613 |
| Loan and lease loss provision to assets | -0.0800% | 4,523 |
| Net operating income to assets | 1.0836% | 2,105 |
| Return on assets (ROA) | 1.0836% | 2,094 |
| Pretax return on assets | 1.0836% | 2,614 |
| Return on Equity (ROE) | 13.4800% | 1,801 |
| Retained earnings to average equity (ytd only) | 2.5570% | 3,622 |
| Net charge-offs to loans | -0.0495% | 4,357 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 77.3420% | 1,064 |
| Assets per employee ($millions) | 6.9554% | 1,985 |
| Cash dividends to net income (ytd only)* | 81.0354% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5864% | 4,286 |
| Loan loss allowance to noncurrent loans | 291.3024% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.1696% | 2,456 |
| Noncurrent loans to loans | 0.2013% | 2,551 |
| Net loans and leases to total assets | 83.7400% | 297 |
| Net loans and leases to deposits | 91.9607% | 1,052 |
| Net loans and leases to core deposits | 93.4907% | 1,706 |
| Total domestic deposits to total assets | 91.0600% | 657 |
| Equity capital to assets | 7.9866% | 3,066 |
| Core capital (leverage) ratio | 7.9797% | 4,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1919% | 2,788 |
| Memoranda: | ||
| Average total assets | $1,319,070,500 | 794 |
| Average earning assets | $1,233,256,250 | 781 |
| Average equity | $106,005,000 | 905 |
| Average total loans | $1,098,382,000 | 677 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8134% | 1,966 |
| Cost of funding earning assets | 0.6250% | 3,694 |
| Net interest margin | 4.1884% | 946 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 3.4271% | 586 |
| Loan and lease loss provision to assets | -0.0500% | 4,500 |
| Net operating income to assets | 1.2269% | 1,759 |
| Return on assets (ROA) | 1.2269% | 1,751 |
| Pretax return on assets | 1.2269% | 2,298 |
| Return on Equity (ROE) | 15.2300% | 1,423 |
| Retained earnings to average equity (ytd only) | 3.4966% | 3,355 |
| Net charge-offs to loans | -0.0803% | 4,480 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.4342% | 1,305 |
| Assets per employee ($millions) | 7.0155% | 1,914 |
| Cash dividends to net income (ytd only)* | 77.0486% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6402% | 4,256 |
| Loan loss allowance to noncurrent loans | 267.1916% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.2338% | 2,016 |
| Noncurrent loans to loans | 0.2396% | 2,307 |
| Net loans and leases to total assets | 82.5400% | 372 |
| Net loans and leases to deposits | 90.6139% | 1,130 |
| Net loans and leases to core deposits | 91.9482% | 1,687 |
| Total domestic deposits to total assets | 91.0900% | 624 |
| Equity capital to assets | 7.9966% | 3,220 |
| Core capital (leverage) ratio | 8.2426% | 4,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3871% | 2,783 |
| Memoranda: | ||
| Average total assets | $1,308,979,000 | 790 |
| Average earning assets | $1,223,664,000 | 773 |
| Average equity | $105,417,667 | 903 |
| Average total loans | $1,085,635,333 | 671 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7656% | 1,703 |
| Cost of funding earning assets | 0.4499% | 3,834 |
| Net interest margin | 4.3157% | 779 |
| Noninterest income to average assets | 0.6500% | 1,252 |
| Noninterest expense to average assets | 3.3630% | 640 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.2889% | 1,701 |
| Return on assets (ROA) | 1.2889% | 1,677 |
| Pretax return on assets | 1.2889% | 2,210 |
| Return on Equity (ROE) | 15.9500% | 1,367 |
| Retained earnings to average equity (ytd only) | 3.5810% | 3,374 |
| Net charge-offs to loans | -0.0888% | 4,482 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.7443% | 1,556 |
| Assets per employee ($millions) | 7.0114% | 1,974 |
| Cash dividends to net income (ytd only)* | 77.5432% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6710% | 4,280 |
| Loan loss allowance to noncurrent loans | 123.5819% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.4630% | 1,095 |
| Noncurrent loans to loans | 0.5430% | 1,362 |
| Net loans and leases to total assets | 84.7000% | 196 |
| Net loans and leases to deposits | 93.2148% | 833 |
| Net loans and leases to core deposits | 94.7005% | 1,347 |
| Total domestic deposits to total assets | 90.8700% | 840 |
| Equity capital to assets | 8.2198% | 3,099 |
| Core capital (leverage) ratio | 7.9590% | 4,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4208% | 2,874 |
| Memoranda: | ||
| Average total assets | $1,293,486,000 | 813 |
| Average earning assets | $1,210,087,500 | 797 |
| Average equity | $104,551,000 | 916 |
| Average total loans | $1,071,892,000 | 685 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6874% | 2,562 |
| Cost of funding earning assets | 0.1765% | 3,939 |
| Net interest margin | 3.5108% | 1,900 |
| Noninterest income to average assets | 0.8300% | 937 |
| Noninterest expense to average assets | 3.0398% | 909 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.0643% | 2,323 |
| Return on assets (ROA) | 1.0643% | 2,267 |
| Pretax return on assets | 1.0643% | 2,882 |
| Return on Equity (ROE) | 14.9900% | 1,258 |
| Retained earnings to average equity (ytd only) | 5.2990% | 2,928 |
| Net charge-offs to loans | -0.0137% | 3,928 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.2224% | 1,295 |
| Assets per employee ($millions) | 7.3252% | 1,737 |
| Cash dividends to net income (ytd only)* | 64.6511% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7186% | 4,186 |
| Loan loss allowance to noncurrent loans | 125.8845% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.4595% | 1,102 |
| Noncurrent loans to loans | 0.5709% | 1,303 |
| Net loans and leases to total assets | 79.9200% | 602 |
| Net loans and leases to deposits | 87.5613% | 1,204 |
| Net loans and leases to core deposits | 88.9919% | 1,556 |
| Total domestic deposits to total assets | 91.2800% | 848 |
| Equity capital to assets | 7.9481% | 3,092 |
| Core capital (leverage) ratio | 7.7301% | 4,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6010% | 2,839 |
| Memoranda: | ||
| Average total assets | $1,403,215,000 | 744 |
| Average earning assets | $1,327,718,600 | 726 |
| Average equity | $99,622,800 | 946 |
| Average total loans | $995,558,800 | 684 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4513% | 2,773 |
| Cost of funding earning assets | 0.1413% | 3,928 |
| Net interest margin | 3.3100% | 2,265 |
| Noninterest income to average assets | 0.9100% | 806 |
| Noninterest expense to average assets | 2.9777% | 937 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.0100% | 2,449 |
| Return on assets (ROA) | 1.0100% | 2,414 |
| Pretax return on assets | 1.0100% | 2,987 |
| Return on Equity (ROE) | 14.6300% | 1,251 |
| Retained earnings to average equity (ytd only) | 5.1550% | 3,045 |
| Net charge-offs to loans | -0.0148% | 3,871 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.6287% | 1,319 |
| Assets per employee ($millions) | 6.9657% | 1,970 |
| Cash dividends to net income (ytd only)* | 64.7532% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7188% | 4,222 |
| Loan loss allowance to noncurrent loans | 283.3903% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.1908% | 2,332 |
| Noncurrent loans to loans | 0.2536% | 2,365 |
| Net loans and leases to total assets | 74.6700% | 1,044 |
| Net loans and leases to deposits | 81.2360% | 1,503 |
| Net loans and leases to core deposits | 82.8818% | 1,718 |
| Total domestic deposits to total assets | 91.9200% | 906 |
| Equity capital to assets | 7.3507% | 3,300 |
| Core capital (leverage) ratio | 7.0892% | 4,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5448% | 2,934 |
| Memoranda: | ||
| Average total assets | $1,428,046,000 | 737 |
| Average earning assets | $1,354,327,750 | 713 |
| Average equity | $98,619,750 | 961 |
| Average total loans | $982,039,000 | 693 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1761% | 3,123 |
| Cost of funding earning assets | 0.1388% | 3,726 |
| Net interest margin | 3.0372% | 2,773 |
| Noninterest income to average assets | 1.0002% | 666 |
| Noninterest expense to average assets | 2.9061% | 980 |
| Loan and lease loss provision to assets | 0.0277% | 2,094 |
| Net operating income to assets | 0.9502% | 2,360 |
| Return on assets (ROA) | 0.9502% | 2,332 |
| Pretax return on assets | 0.9502% | 2,897 |
| Return on Equity (ROE) | 14.0472% | 1,106 |
| Retained earnings to average equity (ytd only) | 4.3337% | 2,958 |
| Net charge-offs to loans | -0.0172% | 3,807 |
| Credit loss provision to net charge-offs | -240.9639% | 3,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8226% | 1,411 |
| Assets per employee ($millions) | 7.5034% | 1,606 |
| Cash dividends to net income (ytd only)* | 69.1489% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6987% | 4,335 |
| Loan loss allowance to noncurrent loans | 311.1160% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 2,652 |
| Noncurrent loans to loans | 0.2246% | 2,600 |
| Net loans and leases to total assets | 67.1988% | 1,558 |
| Net loans and leases to deposits | 72.5723% | 1,988 |
| Net loans and leases to core deposits | 74.0011% | 2,177 |
| Total domestic deposits to total assets | 92.5957% | 619 |
| Equity capital to assets | 6.6663% | 3,948 |
| Core capital (leverage) ratio | 6.7757% | 4,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5226% | 2,921 |
| Memoranda: | ||
| Average total assets | $1,444,323,000 | 721 |
| Average earning assets | $1,371,374,667 | 702 |
| Average equity | $97,699,000 | 975 |
| Average total loans | $963,604,000 | 691 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0162% | 3,206 |
| Cost of funding earning assets | 0.1520% | 3,483 |
| Net interest margin | 2.8641% | 2,939 |
| Noninterest income to average assets | 1.0654% | 602 |
| Noninterest expense to average assets | 2.8715% | 1,013 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9199% | 2,202 |
| Return on assets (ROA) | 0.9199% | 2,197 |
| Pretax return on assets | 0.9199% | 2,702 |
| Return on Equity (ROE) | 13.4970% | 937 |
| Retained earnings to average equity (ytd only) | 3.5412% | 3,104 |
| Net charge-offs to loans | -0.0161% | 3,794 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7374% | 1,559 |
| Assets per employee ($millions) | 7.4841% | 1,692 |
| Cash dividends to net income (ytd only)* | 73.7630% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7059% | 4,374 |
| Loan loss allowance to noncurrent loans | 356.8421% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.1309% | 2,884 |
| Noncurrent loans to loans | 0.1978% | 2,831 |
| Net loans and leases to total assets | 65.6822% | 1,445 |
| Net loans and leases to deposits | 70.8767% | 1,879 |
| Net loans and leases to core deposits | 72.1791% | 2,091 |
| Total domestic deposits to total assets | 92.6711% | 356 |
| Equity capital to assets | 6.7024% | 4,339 |
| Core capital (leverage) ratio | 6.6721% | 4,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4918% | 2,980 |
| Memoranda: | ||
| Average total assets | $1,423,648,000 | 729 |
| Average earning assets | $1,354,961,500 | 714 |
| Average equity | $97,029,000 | 1,008 |
| Average total loans | $942,716,000 | 692 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5596% | 2,488 |
| Cost of funding earning assets | 0.1812% | 3,646 |
| Net interest margin | 3.3784% | 2,093 |
| Noninterest income to average assets | 1.3340% | 605 |
| Noninterest expense to average assets | 3.1738% | 755 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3749% | 1,363 |
| Return on assets (ROA) | 1.3749% | 1,413 |
| Pretax return on assets | 1.3749% | 2,124 |
| Return on Equity (ROE) | 18.6128% | 407 |
| Retained earnings to average equity (ytd only) | 6.3492% | 2,201 |
| Net charge-offs to loans | -0.0238% | 4,040 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7743% | 1,762 |
| Assets per employee ($millions) | 7.1558% | 1,825 |
| Cash dividends to net income (ytd only)* | 65.8877% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7289% | 4,378 |
| Loan loss allowance to noncurrent loans | 303.1475% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.1594% | 2,827 |
| Noncurrent loans to loans | 0.2404% | 2,770 |
| Net loans and leases to total assets | 65.8071% | 1,488 |
| Net loans and leases to deposits | 71.0518% | 2,013 |
| Net loans and leases to core deposits | 72.3928% | 2,223 |
| Total domestic deposits to total assets | 92.6185% | 78 |
| Equity capital to assets | 6.9332% | 4,731 |
| Core capital (leverage) ratio | 7.0766% | 4,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8268% | 2,924 |
| Memoranda: | ||
| Average total assets | $1,288,487,200 | 774 |
| Average earning assets | $1,226,033,400 | 758 |
| Average equity | $95,176,600 | 1,047 |
| Average total loans | $942,330,800 | 697 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6495% | 2,419 |
| Cost of funding earning assets | 0.1837% | 3,775 |
| Net interest margin | 3.4657% | 1,968 |
| Noninterest income to average assets | 1.5629% | 511 |
| Noninterest expense to average assets | 3.2298% | 682 |
| Loan and lease loss provision to assets | 0.0380% | 2,230 |
| Net operating income to assets | 1.5897% | 1,058 |
| Return on assets (ROA) | 1.5897% | 1,104 |
| Pretax return on assets | 1.5897% | 1,741 |
| Return on Equity (ROE) | 21.1619% | 348 |
| Retained earnings to average equity (ytd only) | 9.4486% | 1,516 |
| Net charge-offs to loans | -0.0263% | 4,084 |
| Credit loss provision to net charge-offs | -192.5134% | 3,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4905% | 2,034 |
| Assets per employee ($millions) | 6.7940% | 2,019 |
| Cash dividends to net income (ytd only)* | 55.3510% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7696% | 4,398 |
| Loan loss allowance to noncurrent loans | 265.4020% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.2009% | 2,787 |
| Noncurrent loans to loans | 0.2900% | 2,754 |
| Net loans and leases to total assets | 68.7588% | 1,228 |
| Net loans and leases to deposits | 74.7242% | 1,787 |
| Net loans and leases to core deposits | 76.3772% | 2,012 |
| Total domestic deposits to total assets | 92.0168% | 121 |
| Equity capital to assets | 7.3577% | 4,742 |
| Core capital (leverage) ratio | 7.3032% | 4,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3440% | 2,892 |
| Memoranda: | ||
| Average total assets | $1,261,762,250 | 796 |
| Average earning assets | $1,199,487,250 | 778 |
| Average equity | $94,784,500 | 1,068 |
| Average total loans | $946,662,000 | 707 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6639% | 2,429 |
| Cost of funding earning assets | 0.1864% | 3,885 |
| Net interest margin | 3.4775% | 1,926 |
| Noninterest income to average assets | 1.7783% | 397 |
| Noninterest expense to average assets | 3.2911% | 625 |
| Loan and lease loss provision to assets | 0.0177% | 2,606 |
| Net operating income to assets | 1.7752% | 758 |
| Return on assets (ROA) | 1.7752% | 796 |
| Pretax return on assets | 1.7752% | 1,289 |
| Return on Equity (ROE) | 23.4601% | 242 |
| Retained earnings to average equity (ytd only) | 11.9633% | 927 |
| Net charge-offs to loans | -0.0818% | 4,557 |
| Credit loss provision to net charge-offs | -28.1330% | 2,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7337% | 2,329 |
| Assets per employee ($millions) | 6.6186% | 2,083 |
| Cash dividends to net income (ytd only)* | 49.0057% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7605% | 4,435 |
| Loan loss allowance to noncurrent loans | 198.8385% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.2749% | 2,555 |
| Noncurrent loans to loans | 0.3825% | 2,533 |
| Net loans and leases to total assets | 71.3288% | 1,039 |
| Net loans and leases to deposits | 77.5867% | 1,670 |
| Net loans and leases to core deposits | 79.3503% | 1,935 |
| Total domestic deposits to total assets | 91.9343% | 141 |
| Equity capital to assets | 7.5042% | 4,740 |
| Core capital (leverage) ratio | 7.4804% | 4,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4832% | 2,861 |
| Memoranda: | ||
| Average total assets | $1,240,741,000 | 800 |
| Average earning assets | $1,179,457,000 | 787 |
| Average equity | $93,887,000 | 1,071 |
| Average total loans | $956,216,000 | 703 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8255% | 2,028 |
| Cost of funding earning assets | 0.1965% | 3,943 |
| Net interest margin | 3.6290% | 1,506 |
| Noninterest income to average assets | 2.1836% | 324 |
| Noninterest expense to average assets | 3.3388% | 567 |
| Loan and lease loss provision to assets | 0.2166% | 543 |
| Net operating income to assets | 2.0707% | 520 |
| Return on assets (ROA) | 2.0707% | 557 |
| Pretax return on assets | 2.0707% | 843 |
| Return on Equity (ROE) | 27.2457% | 198 |
| Retained earnings to average equity (ytd only) | 16.4528% | 472 |
| Net charge-offs to loans | -0.0329% | 4,212 |
| Credit loss provision to net charge-offs | -825.0000% | 3,305 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3457% | 3,109 |
| Assets per employee ($millions) | 6.6987% | 1,998 |
| Cash dividends to net income (ytd only)* | 39.6134% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7526% | 4,481 |
| Loan loss allowance to noncurrent loans | 188.0798% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.3048% | 2,608 |
| Noncurrent loans to loans | 0.4002% | 2,669 |
| Net loans and leases to total assets | 75.5957% | 671 |
| Net loans and leases to deposits | 82.1681% | 1,324 |
| Net loans and leases to core deposits | 84.0485% | 1,677 |
| Total domestic deposits to total assets | 92.0012% | 147 |
| Equity capital to assets | 7.4689% | 4,720 |
| Core capital (leverage) ratio | 7.5622% | 4,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3933% | 2,841 |
| Memoranda: | ||
| Average total assets | $1,219,102,500 | 808 |
| Average earning assets | $1,156,452,500 | 791 |
| Average equity | $92,653,000 | 1,075 |
| Average total loans | $972,877,500 | 692 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0431% | 2,598 |
| Cost of funding earning assets | 0.2646% | 4,321 |
| Net interest margin | 3.7785% | 1,561 |
| Noninterest income to average assets | 2.2414% | 287 |
| Noninterest expense to average assets | 3.7673% | 480 |
| Loan and lease loss provision to assets | 0.4534% | 613 |
| Net operating income to assets | 1.5896% | 659 |
| Return on assets (ROA) | 1.5896% | 715 |
| Pretax return on assets | 1.5896% | 1,099 |
| Return on Equity (ROE) | 20.5268% | 209 |
| Retained earnings to average equity (ytd only) | 8.2028% | 995 |
| Net charge-offs to loans | 0.3807% | 451 |
| Credit loss provision to net charge-offs | 145.9600% | 2,450 |
| Earnings coverage of net charge-offs (x) | 6.5775% | 2,768 |
| Efficiency ratio | 64.8383% | 2,698 |
| Assets per employee ($millions) | 6.3360% | 2,056 |
| Cash dividends to net income (ytd only)* | 60.0385% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6641% | 4,645 |
| Loan loss allowance to noncurrent loans | 180.1548% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.3087% | 2,761 |
| Noncurrent loans to loans | 0.3687% | 2,877 |
| Net loans and leases to total assets | 83.1716% | 221 |
| Net loans and leases to deposits | 90.7263% | 868 |
| Net loans and leases to core deposits | 92.9849% | 1,306 |
| Total domestic deposits to total assets | 91.6731% | 106 |
| Equity capital to assets | 7.7418% | 4,789 |
| Core capital (leverage) ratio | 7.7070% | 4,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5955% | 3,010 |
| Memoranda: | ||
| Average total assets | $1,111,701,400 | 801 |
| Average earning assets | $1,050,013,200 | 788 |
| Average equity | $86,092,200 | 1,086 |
| Average total loans | $907,081,000 | 705 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0030% | 2,966 |
| Cost of funding earning assets | 0.2726% | 4,423 |
| Net interest margin | 3.7304% | 1,839 |
| Noninterest income to average assets | 2.1396% | 302 |
| Noninterest expense to average assets | 3.9142% | 408 |
| Loan and lease loss provision to assets | 0.4790% | 637 |
| Net operating income to assets | 1.2690% | 1,428 |
| Return on assets (ROA) | 1.2690% | 1,540 |
| Pretax return on assets | 1.2690% | 2,160 |
| Return on Equity (ROE) | 16.3851% | 504 |
| Retained earnings to average equity (ytd only) | 4.5166% | 2,791 |
| Net charge-offs to loans | 0.0677% | 1,645 |
| Credit loss provision to net charge-offs | 873.6142% | 921 |
| Earnings coverage of net charge-offs (x) | 31.8780% | 1,528 |
| Efficiency ratio | 69.1282% | 2,016 |
| Assets per employee ($millions) | 6.8222% | 1,609 |
| Cash dividends to net income (ytd only)* | 72.4346% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8373% | 4,267 |
| Loan loss allowance to noncurrent loans | 166.6997% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4068% | 2,544 |
| Noncurrent loans to loans | 0.5023% | 2,547 |
| Net loans and leases to total assets | 80.3159% | 584 |
| Net loans and leases to deposits | 95.7467% | 775 |
| Net loans and leases to core deposits | 97.7925% | 1,321 |
| Total domestic deposits to total assets | 83.8837% | 2,855 |
| Equity capital to assets | 6.9716% | 4,953 |
| Core capital (leverage) ratio | 7.6127% | 4,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5464% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,096,588,750 | 796 |
| Average earning assets | $1,035,527,250 | 778 |
| Average equity | $84,928,750 | 1,091 |
| Average total loans | $888,497,250 | 715 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0598% | 3,163 |
| Cost of funding earning assets | 0.2800% | 4,533 |
| Net interest margin | 3.7798% | 1,890 |
| Noninterest income to average assets | 2.0007% | 288 |
| Noninterest expense to average assets | 3.9129% | 453 |
| Loan and lease loss provision to assets | 0.3568% | 1,181 |
| Net operating income to assets | 1.2909% | 1,382 |
| Return on assets (ROA) | 1.2909% | 1,493 |
| Pretax return on assets | 1.2909% | 2,061 |
| Return on Equity (ROE) | 16.0362% | 559 |
| Retained earnings to average equity (ytd only) | 3.4153% | 3,218 |
| Net charge-offs to loans | 0.0760% | 1,491 |
| Credit loss provision to net charge-offs | 578.9474% | 1,131 |
| Earnings coverage of net charge-offs (x) | 26.7368% | 1,510 |
| Efficiency ratio | 70.3678% | 1,910 |
| Assets per employee ($millions) | 6.9132% | 1,490 |
| Cash dividends to net income (ytd only)* | 78.7023% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6859% | 4,600 |
| Loan loss allowance to noncurrent loans | 120.1409% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.4566% | 2,490 |
| Noncurrent loans to loans | 0.5709% | 2,447 |
| Net loans and leases to total assets | 77.0929% | 985 |
| Net loans and leases to deposits | 91.9884% | 1,159 |
| Net loans and leases to core deposits | 93.8093% | 1,757 |
| Total domestic deposits to total assets | 83.8073% | 2,813 |
| Equity capital to assets | 6.9967% | 4,976 |
| Core capital (leverage) ratio | 7.7360% | 4,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8125% | 3,011 |
| Memoranda: | ||
| Average total assets | $1,048,238,000 | 812 |
| Average earning assets | $987,243,333 | 797 |
| Average equity | $84,384,333 | 1,093 |
| Average total loans | $849,444,667 | 738 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3412% | 2,792 |
| Cost of funding earning assets | 0.3106% | 4,626 |
| Net interest margin | 4.0305% | 1,311 |
| Noninterest income to average assets | 1.7183% | 315 |
| Noninterest expense to average assets | 4.0473% | 486 |
| Loan and lease loss provision to assets | 0.0934% | 2,515 |
| Net operating income to assets | 1.3573% | 1,087 |
| Return on assets (ROA) | 1.3573% | 1,170 |
| Pretax return on assets | 1.3573% | 1,699 |
| Return on Equity (ROE) | 15.5742% | 475 |
| Retained earnings to average equity (ytd only) | 3.4329% | 2,913 |
| Net charge-offs to loans | -0.0005% | 3,589 |
| Credit loss provision to net charge-offs | -22,500.0000% | 4,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6151% | 1,870 |
| Assets per employee ($millions) | 5.8503% | 1,797 |
| Cash dividends to net income (ytd only)* | 77.9578% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6319% | 4,715 |
| Loan loss allowance to noncurrent loans | 121.7997% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.4421% | 2,693 |
| Noncurrent loans to loans | 0.5188% | 2,709 |
| Net loans and leases to total assets | 81.5382% | 498 |
| Net loans and leases to deposits | 89.8263% | 1,533 |
| Net loans and leases to core deposits | 91.7653% | 2,190 |
| Total domestic deposits to total assets | 90.7732% | 137 |
| Equity capital to assets | 8.4836% | 4,842 |
| Core capital (leverage) ratio | 8.5511% | 4,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6819% | 3,186 |
| Memoranda: | ||
| Average total assets | $963,995,000 | 852 |
| Average earning assets | $903,999,500 | 840 |
| Average equity | $84,011,000 | 1,098 |
| Average total loans | $801,924,000 | 751 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6285% | 2,523 |
| Cost of funding earning assets | 0.2716% | 4,796 |
| Net interest margin | 4.3569% | 971 |
| Noninterest income to average assets | 1.3321% | 537 |
| Noninterest expense to average assets | 3.8239% | 649 |
| Loan and lease loss provision to assets | 0.0733% | 2,534 |
| Net operating income to assets | 1.5015% | 1,050 |
| Return on assets (ROA) | 1.5015% | 1,113 |
| Pretax return on assets | 1.5015% | 1,807 |
| Return on Equity (ROE) | 17.2593% | 392 |
| Retained earnings to average equity (ytd only) | 6.9097% | 1,425 |
| Net charge-offs to loans | -0.0112% | 4,500 |
| Credit loss provision to net charge-offs | -781.6092% | 4,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8300% | 2,043 |
| Assets per employee ($millions) | 5.3036% | 2,243 |
| Cash dividends to net income (ytd only)* | 59.9655% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6260% | 4,695 |
| Loan loss allowance to noncurrent loans | 108.1834% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.4883% | 2,457 |
| Noncurrent loans to loans | 0.5786% | 2,453 |
| Net loans and leases to total assets | 83.8642% | 331 |
| Net loans and leases to deposits | 92.7701% | 1,283 |
| Net loans and leases to core deposits | 94.6333% | 2,008 |
| Total domestic deposits to total assets | 90.4001% | 215 |
| Equity capital to assets | 8.9613% | 4,703 |
| Core capital (leverage) ratio | 8.9128% | 4,590 |
| Tier 1 risk-based capital ratio | 11.0351% | 4,845 |
| Total risk-based capital ratio | 11.6876% | 4,969 |
| Memoranda: | ||
| Average total assets | $927,933,800 | 847 |
| Average earning assets | $866,096,600 | 834 |
| Average equity | $80,727,600 | 1,083 |
| Average total loans | $774,468,400 | 736 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6424% | 2,591 |
| Cost of funding earning assets | 0.2618% | 4,894 |
| Net interest margin | 4.3805% | 987 |
| Noninterest income to average assets | 1.3513% | 507 |
| Noninterest expense to average assets | 3.8537% | 621 |
| Loan and lease loss provision to assets | 0.0979% | 1,958 |
| Net operating income to assets | 1.4876% | 1,222 |
| Return on assets (ROA) | 1.4876% | 1,278 |
| Pretax return on assets | 1.4876% | 1,993 |
| Return on Equity (ROE) | 17.2301% | 456 |
| Retained earnings to average equity (ytd only) | 6.5217% | 2,102 |
| Net charge-offs to loans | -0.0147% | 4,494 |
| Credit loss provision to net charge-offs | -800.0000% | 4,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8511% | 1,989 |
| Assets per employee ($millions) | 5.3537% | 2,168 |
| Cash dividends to net income (ytd only)* | 62.1493% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6213% | 4,777 |
| Loan loss allowance to noncurrent loans | 753.8226% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.0690% | 4,371 |
| Noncurrent loans to loans | 0.0824% | 4,273 |
| Net loans and leases to total assets | 83.2119% | 427 |
| Net loans and leases to deposits | 91.8709% | 1,450 |
| Net loans and leases to core deposits | 93.6238% | 2,212 |
| Total domestic deposits to total assets | 90.5748% | 158 |
| Equity capital to assets | 8.6506% | 4,949 |
| Core capital (leverage) ratio | 8.6127% | 4,882 |
| Tier 1 risk-based capital ratio | 10.7540% | 4,999 |
| Total risk-based capital ratio | 11.4033% | 5,091 |
| Memoranda: | ||
| Average total assets | $926,558,500 | 845 |
| Average earning assets | $864,655,250 | 840 |
| Average equity | $79,997,500 | 1,086 |
| Average total loans | $771,148,250 | 735 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6168% | 2,626 |
| Cost of funding earning assets | 0.2487% | 4,963 |
| Net interest margin | 4.3681% | 1,001 |
| Noninterest income to average assets | 1.1725% | 626 |
| Noninterest expense to average assets | 3.7492% | 703 |
| Loan and lease loss provision to assets | 0.0913% | 2,027 |
| Net operating income to assets | 1.4079% | 1,417 |
| Return on assets (ROA) | 1.4079% | 1,470 |
| Pretax return on assets | 1.4079% | 2,183 |
| Return on Equity (ROE) | 16.3173% | 543 |
| Retained earnings to average equity (ytd only) | 5.9189% | 2,320 |
| Net charge-offs to loans | -0.0144% | 4,436 |
| Credit loss provision to net charge-offs | -763.6364% | 4,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4351% | 1,999 |
| Assets per employee ($millions) | 5.3316% | 2,117 |
| Cash dividends to net income (ytd only)* | 63.7262% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5975% | 4,884 |
| Loan loss allowance to noncurrent loans | 344.9071% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.1458% | 4,033 |
| Noncurrent loans to loans | 0.1732% | 3,934 |
| Net loans and leases to total assets | 83.6694% | 390 |
| Net loans and leases to deposits | 92.3406% | 1,453 |
| Net loans and leases to core deposits | 93.9769% | 2,239 |
| Total domestic deposits to total assets | 90.6096% | 172 |
| Equity capital to assets | 8.7176% | 4,944 |
| Core capital (leverage) ratio | 8.5491% | 4,946 |
| Tier 1 risk-based capital ratio | 10.7930% | 4,995 |
| Total risk-based capital ratio | 11.4182% | 5,129 |
| Memoranda: | ||
| Average total assets | $919,545,330 | 848 |
| Average earning assets | $858,048,670 | 841 |
| Average equity | $79,339,000 | 1,089 |
| Average total loans | $763,716,330 | 749 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5842% | 2,586 |
| Cost of funding earning assets | 0.2360% | 5,021 |
| Net interest margin | 4.3482% | 1,010 |
| Noninterest income to average assets | 0.9850% | 841 |
| Noninterest expense to average assets | 3.6165% | 829 |
| Loan and lease loss provision to assets | 0.1176% | 1,496 |
| Net operating income to assets | 1.2965% | 1,706 |
| Return on assets (ROA) | 1.2965% | 1,748 |
| Pretax return on assets | 1.2965% | 2,467 |
| Return on Equity (ROE) | 15.1057% | 730 |
| Retained earnings to average equity (ytd only) | 7.9995% | 1,658 |
| Net charge-offs to loans | -0.0079% | 4,142 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8888% | 2,055 |
| Assets per employee ($millions) | 5.3461% | 2,128 |
| Cash dividends to net income (ytd only)* | 47.0430% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5857% | 4,959 |
| Loan loss allowance to noncurrent loans | 327.8556% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.1773% | 3,929 |
| Noncurrent loans to loans | 0.1787% | 3,954 |
| Net loans and leases to total assets | 80.2523% | 801 |
| Net loans and leases to deposits | 88.2453% | 1,842 |
| Net loans and leases to core deposits | 89.6833% | 2,534 |
| Total domestic deposits to total assets | 90.9423% | 186 |
| Equity capital to assets | 8.4605% | 5,013 |
| Core capital (leverage) ratio | 8.5441% | 4,984 |
| Tier 1 risk-based capital ratio | 10.8542% | 5,044 |
| Total risk-based capital ratio | 11.4632% | 5,184 |
| Memoranda: | ||
| Average total assets | $918,134,000 | 851 |
| Average earning assets | $854,235,500 | 848 |
| Average equity | $78,804,500 | 1,091 |
| Average total loans | $757,385,000 | 760 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4041% | 2,745 |
| Cost of funding earning assets | 0.1823% | 5,070 |
| Net interest margin | 4.2218% | 1,343 |
| Noninterest income to average assets | 1.6369% | 359 |
| Noninterest expense to average assets | 4.1241% | 452 |
| Loan and lease loss provision to assets | 0.0802% | 2,520 |
| Net operating income to assets | 1.3588% | 1,578 |
| Return on assets (ROA) | 1.3588% | 1,565 |
| Pretax return on assets | 1.3588% | 2,278 |
| Return on Equity (ROE) | 15.6094% | 704 |
| Retained earnings to average equity (ytd only) | 6.1464% | 2,119 |
| Net charge-offs to loans | 0.0675% | 2,149 |
| Credit loss provision to net charge-offs | 143.7372% | 1,893 |
| Earnings coverage of net charge-offs (x) | 25.7906% | 1,757 |
| Efficiency ratio | 74.1330% | 1,609 |
| Assets per employee ($millions) | 4.9195% | 2,593 |
| Cash dividends to net income (ytd only)* | 60.6239% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5514% | 5,060 |
| Loan loss allowance to noncurrent loans | 444.3970% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.1047% | 4,303 |
| Noncurrent loans to loans | 0.1241% | 4,173 |
| Net loans and leases to total assets | 83.8832% | 426 |
| Net loans and leases to deposits | 92.4831% | 1,477 |
| Net loans and leases to core deposits | 93.9263% | 2,232 |
| Total domestic deposits to total assets | 90.7011% | 277 |
| Equity capital to assets | 8.7119% | 4,789 |
| Core capital (leverage) ratio | 8.8378% | 4,786 |
| Tier 1 risk-based capital ratio | 10.6666% | 5,119 |
| Total risk-based capital ratio | 11.2383% | 5,260 |
| Memoranda: | ||
| Average total assets | $872,819,800 | 875 |
| Average earning assets | $811,717,600 | 865 |
| Average equity | $75,979,800 | 1,077 |
| Average total loans | $721,782,800 | 761 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3340% | 2,833 |
| Cost of funding earning assets | 0.1684% | 5,147 |
| Net interest margin | 4.1657% | 1,452 |
| Noninterest income to average assets | 1.8010% | 324 |
| Noninterest expense to average assets | 4.1419% | 428 |
| Loan and lease loss provision to assets | 0.0769% | 2,423 |
| Net operating income to assets | 1.4626% | 1,295 |
| Return on assets (ROA) | 1.4626% | 1,298 |
| Pretax return on assets | 1.4626% | 2,027 |
| Return on Equity (ROE) | 16.8054% | 569 |
| Retained earnings to average equity (ytd only) | 6.7978% | 2,236 |
| Net charge-offs to loans | 0.0611% | 1,948 |
| Credit loss provision to net charge-offs | 152.9052% | 1,676 |
| Earnings coverage of net charge-offs (x) | 30.6207% | 1,584 |
| Efficiency ratio | 72.9027% | 1,751 |
| Assets per employee ($millions) | 4.4942% | 3,138 |
| Cash dividends to net income (ytd only)* | 59.5501% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5565% | 5,115 |
| Loan loss allowance to noncurrent loans | 397.7821% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.1268% | 4,329 |
| Noncurrent loans to loans | 0.1399% | 4,255 |
| Net loans and leases to total assets | 83.6733% | 491 |
| Net loans and leases to deposits | 92.3256% | 1,581 |
| Net loans and leases to core deposits | 93.7341% | 2,314 |
| Total domestic deposits to total assets | 90.6284% | 307 |
| Equity capital to assets | 8.7592% | 4,754 |
| Core capital (leverage) ratio | 8.6839% | 4,966 |
| Tier 1 risk-based capital ratio | 10.8261% | 5,119 |
| Total risk-based capital ratio | 11.4070% | 5,275 |
| Memoranda: | ||
| Average total assets | $867,185,250 | 874 |
| Average earning assets | $807,787,500 | 867 |
| Average equity | $75,474,000 | 1,081 |
| Average total loans | $713,423,750 | 767 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2377% | 2,985 |
| Cost of funding earning assets | 0.1594% | 5,198 |
| Net interest margin | 4.0782% | 1,618 |
| Noninterest income to average assets | 1.9795% | 280 |
| Noninterest expense to average assets | 4.2387% | 392 |
| Loan and lease loss provision to assets | 0.1298% | 1,526 |
| Net operating income to assets | 1.4127% | 1,387 |
| Return on assets (ROA) | 1.4127% | 1,391 |
| Pretax return on assets | 1.4127% | 2,100 |
| Return on Equity (ROE) | 16.2669% | 617 |
| Retained earnings to average equity (ytd only) | 7.3499% | 1,901 |
| Net charge-offs to loans | 0.0227% | 2,421 |
| Credit loss provision to net charge-offs | 700.0000% | 554 |
| Earnings coverage of net charge-offs (x) | 83.1625% | 806 |
| Efficiency ratio | 73.3186% | 1,802 |
| Assets per employee ($millions) | 4.4804% | 3,154 |
| Cash dividends to net income (ytd only)* | 54.8170% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6106% | 5,084 |
| Loan loss allowance to noncurrent loans | 428.0193% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.1258% | 4,371 |
| Noncurrent loans to loans | 0.1427% | 4,257 |
| Net loans and leases to total assets | 82.1153% | 699 |
| Net loans and leases to deposits | 90.4945% | 1,782 |
| Net loans and leases to core deposits | 91.8476% | 2,416 |
| Total domestic deposits to total assets | 90.7407% | 315 |
| Equity capital to assets | 8.6617% | 4,832 |
| Core capital (leverage) ratio | 8.6095% | 5,031 |
| Tier 1 risk-based capital ratio | 10.8722% | 5,121 |
| Total risk-based capital ratio | 11.5078% | 5,276 |
| Memoranda: | ||
| Average total assets | $862,624,330 | 883 |
| Average earning assets | $804,124,330 | 873 |
| Average equity | $74,913,000 | 1,089 |
| Average total loans | $704,173,000 | 779 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1564% | 3,041 |
| Cost of funding earning assets | 0.1619% | 5,209 |
| Net interest margin | 3.9945% | 1,741 |
| Noninterest income to average assets | 1.8759% | 292 |
| Noninterest expense to average assets | 4.2351% | 389 |
| Loan and lease loss provision to assets | 0.1170% | 1,615 |
| Net operating income to assets | 1.2517% | 1,803 |
| Return on assets (ROA) | 1.2517% | 1,813 |
| Pretax return on assets | 1.2517% | 2,546 |
| Return on Equity (ROE) | 14.3937% | 929 |
| Retained earnings to average equity (ytd only) | 10.7617% | 950 |
| Net charge-offs to loans | -0.0127% | 4,348 |
| Credit loss provision to net charge-offs | -1,136.3636% | 4,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5762% | 1,658 |
| Assets per employee ($millions) | 4.3813% | 3,353 |
| Cash dividends to net income (ytd only)* | 25.2336% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6099% | 5,166 |
| Loan loss allowance to noncurrent loans | 402.8626% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 4,499 |
| Noncurrent loans to loans | 0.1514% | 4,302 |
| Net loans and leases to total assets | 78.5188% | 1,158 |
| Net loans and leases to deposits | 86.4199% | 2,108 |
| Net loans and leases to core deposits | 88.7903% | 2,566 |
| Total domestic deposits to total assets | 90.8572% | 365 |
| Equity capital to assets | 8.5952% | 4,904 |
| Core capital (leverage) ratio | 8.6986% | 4,992 |
| Tier 1 risk-based capital ratio | 11.2830% | 4,989 |
| Total risk-based capital ratio | 11.9179% | 5,190 |
| Memoranda: | ||
| Average total assets | $854,859,500 | 893 |
| Average earning assets | $797,804,500 | 884 |
| Average equity | $74,338,000 | 1,105 |
| Average total loans | $693,495,000 | 793 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0109% | 3,366 |
| Cost of funding earning assets | 0.1240% | 5,391 |
| Net interest margin | 3.8869% | 2,125 |
| Noninterest income to average assets | 2.1843% | 259 |
| Noninterest expense to average assets | 4.4651% | 327 |
| Loan and lease loss provision to assets | -0.0541% | 5,407 |
| Net operating income to assets | 1.3746% | 1,068 |
| Return on assets (ROA) | 1.3746% | 1,088 |
| Pretax return on assets | 1.3746% | 2,072 |
| Return on Equity (ROE) | 15.7502% | 512 |
| Retained earnings to average equity (ytd only) | 5.2190% | 1,990 |
| Net charge-offs to loans | -0.0076% | 4,726 |
| Credit loss provision to net charge-offs | 874.5098% | 404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1764% | 1,461 |
| Assets per employee ($millions) | 3.9688% | 4,014 |
| Cash dividends to net income (ytd only)* | 66.8638% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5687% | 5,298 |
| Loan loss allowance to noncurrent loans | 289.6628% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 4,323 |
| Noncurrent loans to loans | 0.1963% | 4,129 |
| Net loans and leases to total assets | 82.8821% | 577 |
| Net loans and leases to deposits | 91.3926% | 1,601 |
| Net loans and leases to core deposits | 94.4556% | 2,154 |
| Total domestic deposits to total assets | 90.6880% | 340 |
| Equity capital to assets | 8.8018% | 4,900 |
| Core capital (leverage) ratio | 8.6779% | 4,971 |
| Tier 1 risk-based capital ratio | 11.0007% | 5,147 |
| Total risk-based capital ratio | 11.5955% | 5,349 |
| Memoranda: | ||
| Average total assets | $824,161,600 | 905 |
| Average earning assets | $763,621,800 | 900 |
| Average equity | $71,929,400 | 1,108 |
| Average total loans | $673,372,400 | 773 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9577% | 3,498 |
| Cost of funding earning assets | 0.1199% | 5,478 |
| Net interest margin | 3.8378% | 2,253 |
| Noninterest income to average assets | 2.3001% | 247 |
| Noninterest expense to average assets | 4.4004% | 341 |
| Loan and lease loss provision to assets | -0.0237% | 5,485 |
| Net operating income to assets | 1.4799% | 933 |
| Return on assets (ROA) | 1.4799% | 951 |
| Pretax return on assets | 1.4799% | 1,842 |
| Return on Equity (ROE) | 16.9932% | 421 |
| Retained earnings to average equity (ytd only) | 7.7254% | 1,334 |
| Net charge-offs to loans | -0.0343% | 5,042 |
| Credit loss provision to net charge-offs | 84.8837% | 2,520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1357% | 1,716 |
| Assets per employee ($millions) | 3.9314% | 4,102 |
| Cash dividends to net income (ytd only)* | 54.5385% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6529% | 5,233 |
| Loan loss allowance to noncurrent loans | 205.5974% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.2539% | 4,044 |
| Noncurrent loans to loans | 0.3175% | 3,812 |
| Net loans and leases to total assets | 79.4292% | 1,063 |
| Net loans and leases to deposits | 87.6070% | 2,114 |
| Net loans and leases to core deposits | 90.2565% | 2,586 |
| Total domestic deposits to total assets | 90.6654% | 270 |
| Equity capital to assets | 8.8096% | 5,074 |
| Core capital (leverage) ratio | 8.7205% | 5,039 |
| Tier 1 risk-based capital ratio | 11.3996% | 5,014 |
| Total risk-based capital ratio | 12.0765% | 5,245 |
| Memoranda: | ||
| Average total assets | $821,839,250 | 909 |
| Average earning assets | $761,602,000 | 909 |
| Average equity | $71,572,000 | 1,117 |
| Average total loans | $668,032,250 | 783 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9229% | 3,473 |
| Cost of funding earning assets | 0.1191% | 5,517 |
| Net interest margin | 3.8038% | 2,275 |
| Noninterest income to average assets | 2.2051% | 276 |
| Noninterest expense to average assets | 4.3504% | 353 |
| Loan and lease loss provision to assets | -0.0358% | 5,592 |
| Net operating income to assets | 1.4116% | 1,040 |
| Return on assets (ROA) | 1.4116% | 1,066 |
| Pretax return on assets | 1.4116% | 1,974 |
| Return on Equity (ROE) | 16.2735% | 496 |
| Retained earnings to average equity (ytd only) | 7.3801% | 1,409 |
| Net charge-offs to loans | -0.0479% | 5,155 |
| Credit loss provision to net charge-offs | 91.2500% | 2,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9730% | 1,722 |
| Assets per employee ($millions) | 4.0079% | 3,943 |
| Cash dividends to net income (ytd only)* | 54.6495% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6598% | 5,285 |
| Loan loss allowance to noncurrent loans | 255.1200% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 4,288 |
| Noncurrent loans to loans | 0.2586% | 4,112 |
| Net loans and leases to total assets | 77.6306% | 1,297 |
| Net loans and leases to deposits | 85.3326% | 2,306 |
| Net loans and leases to core deposits | 87.1857% | 2,783 |
| Total domestic deposits to total assets | 90.9741% | 230 |
| Equity capital to assets | 8.5423% | 5,273 |
| Core capital (leverage) ratio | 8.6750% | 5,065 |
| Tier 1 risk-based capital ratio | 11.4262% | 5,005 |
| Total risk-based capital ratio | 12.1172% | 5,238 |
| Memoranda: | ||
| Average total assets | $816,655,330 | 923 |
| Average earning assets | $755,972,000 | 921 |
| Average equity | $70,839,000 | 1,128 |
| Average total loans | $667,541,670 | 787 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9502% | 3,204 |
| Cost of funding earning assets | 0.1186% | 5,571 |
| Net interest margin | 3.8316% | 2,009 |
| Noninterest income to average assets | 1.8525% | 345 |
| Noninterest expense to average assets | 4.2610% | 403 |
| Loan and lease loss provision to assets | -0.0728% | 5,736 |
| Net operating income to assets | 1.2087% | 1,488 |
| Return on assets (ROA) | 1.2087% | 1,523 |
| Pretax return on assets | 1.2087% | 2,556 |
| Return on Equity (ROE) | 13.8240% | 836 |
| Retained earnings to average equity (ytd only) | 6.1250% | 2,270 |
| Net charge-offs to loans | -0.0692% | 5,320 |
| Credit loss provision to net charge-offs | 125.8621% | 1,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9522% | 1,495 |
| Assets per employee ($millions) | 3.7303% | 4,448 |
| Cash dividends to net income (ytd only)* | 55.6931% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6591% | 5,393 |
| Loan loss allowance to noncurrent loans | 190.1322% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.2916% | 4,037 |
| Noncurrent loans to loans | 0.3467% | 3,857 |
| Net loans and leases to total assets | 79.2608% | 940 |
| Net loans and leases to deposits | 87.1537% | 1,897 |
| Net loans and leases to core deposits | 88.4914% | 2,498 |
| Total domestic deposits to total assets | 90.9437% | 318 |
| Equity capital to assets | 8.6120% | 5,143 |
| Core capital (leverage) ratio | 8.6450% | 5,108 |
| Tier 1 risk-based capital ratio | 11.3142% | 5,132 |
| Total risk-based capital ratio | 12.0063% | 5,354 |
| Memoranda: | ||
| Average total assets | $802,154,000 | 942 |
| Average earning assets | $742,044,500 | 941 |
| Average equity | $70,139,000 | 1,130 |
| Average total loans | $670,888,000 | 786 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8610% | 3,708 |
| Cost of funding earning assets | 0.1297% | 5,548 |
| Net interest margin | 3.7312% | 2,572 |
| Noninterest income to average assets | 2.4258% | 259 |
| Noninterest expense to average assets | 4.5415% | 359 |
| Loan and lease loss provision to assets | -0.2031% | 5,784 |
| Net operating income to assets | 1.5328% | 779 |
| Return on assets (ROA) | 1.5617% | 767 |
| Pretax return on assets | 1.5717% | 1,367 |
| Return on Equity (ROE) | 18.3252% | 306 |
| Retained earnings to average equity (ytd only) | 6.7536% | 1,332 |
| Net charge-offs to loans | 0.0161% | 3,762 |
| Credit loss provision to net charge-offs | -1,496.2264% | 5,348 |
| Earnings coverage of net charge-offs (x) | 98.6604% | 603 |
| Efficiency ratio | 77.2246% | 1,808 |
| Assets per employee ($millions) | 3.6277% | 4,569 |
| Cash dividends to net income (ytd only)* | 63.1458% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6326% | 5,478 |
| Loan loss allowance to noncurrent loans | 245.8145% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.2573% | 4,272 |
| Noncurrent loans to loans | 0.2574% | 4,229 |
| Net loans and leases to total assets | 87.1182% | 174 |
| Net loans and leases to deposits | 96.0894% | 986 |
| Net loans and leases to core deposits | 97.7297% | 1,783 |
| Total domestic deposits to total assets | 90.6637% | 399 |
| Equity capital to assets | 8.8757% | 4,940 |
| Core capital (leverage) ratio | 8.8030% | 4,961 |
| Tier 1 risk-based capital ratio | 10.9255% | 5,382 |
| Total risk-based capital ratio | 11.6092% | 5,575 |
| Memoranda: | ||
| Average total assets | $780,800,000 | 926 |
| Average earning assets | $723,005,400 | 919 |
| Average equity | $66,542,400 | 1,177 |
| Average total loans | $656,974,600 | 757 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8226% | 3,860 |
| Cost of funding earning assets | 0.1309% | 5,608 |
| Net interest margin | 3.6917% | 2,749 |
| Noninterest income to average assets | 2.6196% | 244 |
| Noninterest expense to average assets | 4.5379% | 370 |
| Loan and lease loss provision to assets | -0.0145% | 5,657 |
| Net operating income to assets | 1.5107% | 860 |
| Return on assets (ROA) | 1.5493% | 840 |
| Pretax return on assets | 1.5627% | 1,488 |
| Return on Equity (ROE) | 18.3708% | 332 |
| Retained earnings to average equity (ytd only) | 2.7663% | 4,232 |
| Net charge-offs to loans | 0.0131% | 3,494 |
| Credit loss provision to net charge-offs | -132.8125% | 4,790 |
| Earnings coverage of net charge-offs (x) | 137.9707% | 499 |
| Efficiency ratio | 75.0431% | 2,103 |
| Assets per employee ($millions) | 3.8767% | 4,172 |
| Cash dividends to net income (ytd only)* | 84.9421% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8944% | 4,892 |
| Loan loss allowance to noncurrent loans | 288.5350% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.2880% | 4,278 |
| Noncurrent loans to loans | 0.3100% | 4,141 |
| Net loans and leases to total assets | 82.1142% | 604 |
| Net loans and leases to deposits | 90.1974% | 1,727 |
| Net loans and leases to core deposits | 91.6187% | 2,429 |
| Total domestic deposits to total assets | 91.0383% | 190 |
| Equity capital to assets | 8.3650% | 5,599 |
| Core capital (leverage) ratio | 8.3774% | 5,441 |
| Tier 1 risk-based capital ratio | 10.7735% | 5,488 |
| Total risk-based capital ratio | 11.7298% | 5,553 |
| Memoranda: | ||
| Average total assets | $780,105,250 | 921 |
| Average earning assets | $724,268,500 | 917 |
| Average equity | $65,791,000 | 1,200 |
| Average total loans | $649,471,750 | 767 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8396% | 3,808 |
| Cost of funding earning assets | 0.1333% | 5,661 |
| Net interest margin | 3.7063% | 2,673 |
| Noninterest income to average assets | 2.3758% | 270 |
| Noninterest expense to average assets | 4.4900% | 392 |
| Loan and lease loss provision to assets | 0.0214% | 3,702 |
| Net operating income to assets | 1.2874% | 1,312 |
| Return on assets (ROA) | 1.3459% | 1,247 |
| Pretax return on assets | 1.3660% | 2,143 |
| Return on Equity (ROE) | 15.9147% | 554 |
| Retained earnings to average equity (ytd only) | 4.6277% | 2,960 |
| Net charge-offs to loans | -0.0198% | 4,944 |
| Credit loss provision to net charge-offs | -129.6875% | 4,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1693% | 1,905 |
| Assets per employee ($millions) | 3.6896% | 4,460 |
| Cash dividends to net income (ytd only)* | 70.9220% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9539% | 4,741 |
| Loan loss allowance to noncurrent loans | 321.8002% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.3352% | 4,158 |
| Noncurrent loans to loans | 0.2964% | 4,309 |
| Net loans and leases to total assets | 82.1020% | 618 |
| Net loans and leases to deposits | 90.2852% | 1,719 |
| Net loans and leases to core deposits | 91.9724% | 2,354 |
| Total domestic deposits to total assets | 90.9363% | 201 |
| Equity capital to assets | 8.5173% | 5,585 |
| Core capital (leverage) ratio | 8.4232% | 5,430 |
| Tier 1 risk-based capital ratio | 10.9519% | 5,441 |
| Total risk-based capital ratio | 11.9705% | 5,490 |
| Memoranda: | ||
| Average total assets | $775,235,330 | 928 |
| Average earning assets | $720,075,330 | 924 |
| Average equity | $65,562,000 | 1,199 |
| Average total loans | $646,474,670 | 769 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8404% | 3,806 |
| Cost of funding earning assets | 0.1366% | 5,700 |
| Net interest margin | 3.7038% | 2,656 |
| Noninterest income to average assets | 1.9887% | 338 |
| Noninterest expense to average assets | 4.2485% | 480 |
| Loan and lease loss provision to assets | 0.0741% | 2,479 |
| Net operating income to assets | 1.0780% | 1,990 |
| Return on assets (ROA) | 1.1765% | 1,731 |
| Pretax return on assets | 1.2107% | 2,656 |
| Return on Equity (ROE) | 13.9624% | 838 |
| Retained earnings to average equity (ytd only) | -1.1071% | 5,296 |
| Net charge-offs to loans | -0.0235% | 4,947 |
| Credit loss provision to net charge-offs | -376.3158% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2156% | 1,870 |
| Assets per employee ($millions) | 3.8495% | 4,207 |
| Cash dividends to net income (ytd only)* | 107.9295% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9475% | 4,864 |
| Loan loss allowance to noncurrent loans | 234.7678% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.4203% | 3,912 |
| Noncurrent loans to loans | 0.4036% | 3,990 |
| Net loans and leases to total assets | 81.5881% | 616 |
| Net loans and leases to deposits | 89.2503% | 1,667 |
| Net loans and leases to core deposits | 90.9680% | 2,285 |
| Total domestic deposits to total assets | 91.4149% | 177 |
| Equity capital to assets | 8.1514% | 5,766 |
| Core capital (leverage) ratio | 8.2818% | 5,586 |
| Tier 1 risk-based capital ratio | 10.6549% | 5,681 |
| Total risk-based capital ratio | 11.6772% | 5,703 |
| Memoranda: | ||
| Average total assets | $771,753,500 | 933 |
| Average earning assets | $717,422,000 | 926 |
| Average equity | $65,032,000 | 1,199 |
| Average total loans | $645,519,000 | 767 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8474% | 3,889 |
| Cost of funding earning assets | 0.1615% | 5,595 |
| Net interest margin | 3.6859% | 2,800 |
| Noninterest income to average assets | 1.4414% | 583 |
| Noninterest expense to average assets | 3.8540% | 809 |
| Loan and lease loss provision to assets | -0.1049% | 5,861 |
| Net operating income to assets | 0.5097% | 4,658 |
| Return on assets (ROA) | 0.5097% | 4,743 |
| Pretax return on assets | 1.0998% | 3,066 |
| Return on Equity (ROE) | 5.7635% | 4,147 |
| Retained earnings to average equity (ytd only) | 3.4470% | 3,606 |
| Net charge-offs to loans | -0.0157% | 5,213 |
| Credit loss provision to net charge-offs | 808.4211% | 423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4823% | 1,747 |
| Assets per employee ($millions) | 3.8489% | 4,211 |
| Cash dividends to net income (ytd only)* | 40.1929% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9515% | 4,863 |
| Loan loss allowance to noncurrent loans | 210.4181% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.5215% | 3,554 |
| Noncurrent loans to loans | 0.4522% | 3,852 |
| Net loans and leases to total assets | 84.1922% | 375 |
| Net loans and leases to deposits | 92.6571% | 1,329 |
| Net loans and leases to core deposits | 95.4986% | 1,896 |
| Total domestic deposits to total assets | 90.8643% | 316 |
| Equity capital to assets | 8.7229% | 5,371 |
| Core capital (leverage) ratio | 8.7292% | 5,185 |
| Tier 1 risk-based capital ratio | 11.0767% | 5,480 |
| Total risk-based capital ratio | 12.1059% | 5,504 |
| Memoranda: | ||
| Average total assets | $732,140,800 | 941 |
| Average earning assets | $676,850,600 | 940 |
| Average equity | $64,752,400 | 1,169 |
| Average total loans | $606,439,400 | 765 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8300% | 3,999 |
| Cost of funding earning assets | 0.1627% | 5,682 |
| Net interest margin | 3.6673% | 2,901 |
| Noninterest income to average assets | 1.5297% | 532 |
| Noninterest expense to average assets | 3.7927% | 860 |
| Loan and lease loss provision to assets | -0.1733% | 6,076 |
| Net operating income to assets | 0.8313% | 3,278 |
| Return on assets (ROA) | 0.8313% | 3,360 |
| Pretax return on assets | 1.3009% | 2,395 |
| Return on Equity (ROE) | 9.3660% | 2,376 |
| Retained earnings to average equity (ytd only) | 6.2729% | 2,075 |
| Net charge-offs to loans | -0.0285% | 5,338 |
| Credit loss provision to net charge-offs | 739.8438% | 469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0830% | 2,076 |
| Assets per employee ($millions) | 4.1649% | 3,592 |
| Cash dividends to net income (ytd only)* | 33.0251% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9720% | 4,877 |
| Loan loss allowance to noncurrent loans | 201.0235% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.5402% | 3,682 |
| Noncurrent loans to loans | 0.4835% | 3,909 |
| Net loans and leases to total assets | 80.9744% | 701 |
| Net loans and leases to deposits | 89.3489% | 1,732 |
| Net loans and leases to core deposits | 93.2328% | 2,155 |
| Total domestic deposits to total assets | 90.6272% | 356 |
| Equity capital to assets | 8.8953% | 5,400 |
| Core capital (leverage) ratio | 8.6798% | 5,374 |
| Tier 1 risk-based capital ratio | 11.5328% | 5,352 |
| Total risk-based capital ratio | 12.5653% | 5,385 |
| Memoranda: | ||
| Average total assets | $728,505,500 | 956 |
| Average earning assets | $673,542,500 | 960 |
| Average equity | $64,657,500 | 1,177 |
| Average total loans | $599,377,500 | 784 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8292% | 3,959 |
| Cost of funding earning assets | 0.1626% | 5,756 |
| Net interest margin | 3.6666% | 2,849 |
| Noninterest income to average assets | 1.5252% | 545 |
| Noninterest expense to average assets | 3.8883% | 776 |
| Loan and lease loss provision to assets | -0.2002% | 6,180 |
| Net operating income to assets | 0.7945% | 3,417 |
| Return on assets (ROA) | 0.7945% | 3,507 |
| Pretax return on assets | 1.2248% | 2,675 |
| Return on Equity (ROE) | 8.9587% | 2,569 |
| Retained earnings to average equity (ytd only) | 7.4017% | 1,518 |
| Net charge-offs to loans | -0.0258% | 5,267 |
| Credit loss provision to net charge-offs | 941.5584% | 379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1456% | 1,892 |
| Assets per employee ($millions) | 4.4519% | 3,062 |
| Cash dividends to net income (ytd only)* | 17.3792% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 4,879 |
| Loan loss allowance to noncurrent loans | 227.9323% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.4397% | 4,168 |
| Noncurrent loans to loans | 0.4384% | 4,168 |
| Net loans and leases to total assets | 79.8458% | 820 |
| Net loans and leases to deposits | 88.0283% | 1,834 |
| Net loans and leases to core deposits | 92.4178% | 2,114 |
| Total domestic deposits to total assets | 90.7047% | 384 |
| Equity capital to assets | 8.6770% | 5,545 |
| Core capital (leverage) ratio | 8.7827% | 5,247 |
| Tier 1 risk-based capital ratio | 11.6476% | 5,371 |
| Total risk-based capital ratio | 12.7317% | 5,394 |
| Memoranda: | ||
| Average total assets | $724,225,000 | 961 |
| Average earning assets | $669,116,330 | 966 |
| Average equity | $64,228,330 | 1,191 |
| Average total loans | $597,105,670 | 787 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8316% | 3,886 |
| Cost of funding earning assets | 0.1652% | 5,812 |
| Net interest margin | 3.6663% | 2,748 |
| Noninterest income to average assets | 1.8520% | 396 |
| Noninterest expense to average assets | 3.8628% | 811 |
| Loan and lease loss provision to assets | -0.0034% | 6,080 |
| Net operating income to assets | 0.8939% | 2,770 |
| Return on assets (ROA) | 0.8939% | 2,899 |
| Pretax return on assets | 1.3800% | 1,962 |
| Return on Equity (ROE) | 9.9653% | 2,024 |
| Retained earnings to average equity (ytd only) | 9.9653% | 938 |
| Net charge-offs to loans | 0.0061% | 3,117 |
| Credit loss provision to net charge-offs | -66.6667% | 4,428 |
| Earnings coverage of net charge-offs (x) | 271.5556% | 214 |
| Efficiency ratio | 73.7261% | 2,859 |
| Assets per employee ($millions) | 4.5052% | 3,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 4,495 |
| Loan loss allowance to noncurrent loans | 249.0145% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.4571% | 4,206 |
| Noncurrent loans to loans | 0.4436% | 4,261 |
| Net loans and leases to total assets | 81.6345% | 499 |
| Net loans and leases to deposits | 90.0910% | 1,381 |
| Net loans and leases to core deposits | 95.3075% | 1,670 |
| Total domestic deposits to total assets | 90.6133% | 490 |
| Equity capital to assets | 8.7825% | 5,518 |
| Core capital (leverage) ratio | 8.7490% | 5,261 |
| Tier 1 risk-based capital ratio | 11.6375% | 5,476 |
| Total risk-based capital ratio | 12.8484% | 5,414 |
| Memoranda: | ||
| Average total assets | $710,153,500 | 977 |
| Average earning assets | $656,131,000 | 978 |
| Average equity | $63,701,000 | 1,198 |
| Average total loans | $592,260,000 | 790 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9120% | 4,087 |
| Cost of funding earning assets | 0.2395% | 5,426 |
| Net interest margin | 3.6725% | 3,117 |
| Noninterest income to average assets | 1.1662% | 888 |
| Noninterest expense to average assets | 3.4060% | 1,686 |
| Loan and lease loss provision to assets | -0.0537% | 6,050 |
| Net operating income to assets | 0.7592% | 3,573 |
| Return on assets (ROA) | 0.7592% | 3,673 |
| Pretax return on assets | 1.1897% | 2,690 |
| Return on Equity (ROE) | 8.7061% | 2,727 |
| Retained earnings to average equity (ytd only) | 8.2912% | 916 |
| Net charge-offs to loans | 0.1536% | 2,502 |
| Credit loss provision to net charge-offs | -44.0618% | 5,405 |
| Earnings coverage of net charge-offs (x) | 9.3207% | 2,769 |
| Efficiency ratio | 74.9896% | 2,668 |
| Assets per employee ($millions) | 4.5428% | 2,967 |
| Cash dividends to net income (ytd only)* | 4.7664% | 4,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 4,224 |
| Loan loss allowance to noncurrent loans | 289.2672% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.4516% | 4,307 |
| Noncurrent loans to loans | 0.4011% | 4,440 |
| Net loans and leases to total assets | 83.3332% | 396 |
| Net loans and leases to deposits | 92.2465% | 1,261 |
| Net loans and leases to core deposits | 97.3453% | 1,606 |
| Total domestic deposits to total assets | 90.3376% | 597 |
| Equity capital to assets | 9.1708% | 5,107 |
| Core capital (leverage) ratio | 9.2666% | 4,578 |
| Tier 1 risk-based capital ratio | 11.8434% | 5,465 |
| Total risk-based capital ratio | 13.0936% | 5,372 |
| Memoranda: | ||
| Average total assets | $690,860,200 | 967 |
| Average earning assets | $635,045,000 | 967 |
| Average equity | $60,244,800 | 1,219 |
| Average total loans | $548,338,600 | 803 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8777% | 4,247 |
| Cost of funding earning assets | 0.2615% | 5,288 |
| Net interest margin | 3.6162% | 3,362 |
| Noninterest income to average assets | 1.1430% | 918 |
| Noninterest expense to average assets | 3.3606% | 1,764 |
| Loan and lease loss provision to assets | -0.0545% | 6,200 |
| Net operating income to assets | 0.7411% | 3,721 |
| Return on assets (ROA) | 0.7411% | 3,829 |
| Pretax return on assets | 1.1590% | 2,952 |
| Return on Equity (ROE) | 8.6091% | 2,899 |
| Retained earnings to average equity (ytd only) | 8.0496% | 1,337 |
| Net charge-offs to loans | 0.1420% | 2,374 |
| Credit loss provision to net charge-offs | -49.1319% | 5,339 |
| Earnings coverage of net charge-offs (x) | 9.9531% | 2,601 |
| Efficiency ratio | 75.2643% | 2,625 |
| Assets per employee ($millions) | 4.5236% | 2,927 |
| Cash dividends to net income (ytd only)* | 6.4987% | 3,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 3,861 |
| Loan loss allowance to noncurrent loans | 385.2236% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.3958% | 4,734 |
| Noncurrent loans to loans | 0.3278% | 4,925 |
| Net loans and leases to total assets | 81.4213% | 567 |
| Net loans and leases to deposits | 90.0306% | 1,428 |
| Net loans and leases to core deposits | 94.3778% | 1,821 |
| Total domestic deposits to total assets | 90.4374% | 555 |
| Equity capital to assets | 9.0653% | 5,284 |
| Core capital (leverage) ratio | 8.8749% | 5,226 |
| Tier 1 risk-based capital ratio | 11.8369% | 5,593 |
| Total risk-based capital ratio | 13.0882% | 5,514 |
| Memoranda: | ||
| Average total assets | $692,085,750 | 977 |
| Average earning assets | $635,795,250 | 975 |
| Average equity | $59,579,000 | 1,241 |
| Average total loans | $540,837,750 | 815 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7568% | 4,667 |
| Cost of funding earning assets | 0.2891% | 5,082 |
| Net interest margin | 3.4678% | 3,905 |
| Noninterest income to average assets | 1.1378% | 910 |
| Noninterest expense to average assets | 3.2776% | 1,977 |
| Loan and lease loss provision to assets | -0.0574% | 6,308 |
| Net operating income to assets | 0.7092% | 3,789 |
| Return on assets (ROA) | 0.7092% | 3,883 |
| Pretax return on assets | 1.1034% | 3,086 |
| Return on Equity (ROE) | 8.3822% | 2,904 |
| Retained earnings to average equity (ytd only) | 8.3822% | 1,180 |
| Net charge-offs to loans | 0.1463% | 2,215 |
| Credit loss provision to net charge-offs | -51.1509% | 5,167 |
| Earnings coverage of net charge-offs (x) | 9.3171% | 2,372 |
| Efficiency ratio | 75.8085% | 2,670 |
| Assets per employee ($millions) | 4.7903% | 2,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 3,843 |
| Loan loss allowance to noncurrent loans | 334.0774% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.5264% | 4,422 |
| Noncurrent loans to loans | 0.3899% | 4,825 |
| Net loans and leases to total assets | 80.5605% | 621 |
| Net loans and leases to deposits | 88.7865% | 1,500 |
| Net loans and leases to core deposits | 93.5418% | 1,813 |
| Total domestic deposits to total assets | 90.7351% | 494 |
| Equity capital to assets | 8.7540% | 5,568 |
| Core capital (leverage) ratio | 8.5115% | 5,626 |
| Tier 1 risk-based capital ratio | 11.5651% | 5,765 |
| Total risk-based capital ratio | 12.8170% | 5,717 |
| Memoranda: | ||
| Average total assets | $696,598,670 | 970 |
| Average earning assets | $639,953,000 | 967 |
| Average equity | $58,934,670 | 1,242 |
| Average total loans | $534,601,330 | 818 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6598% | 4,974 |
| Cost of funding earning assets | 0.3018% | 5,046 |
| Net interest margin | 3.3580% | 4,301 |
| Noninterest income to average assets | 0.9646% | 1,213 |
| Noninterest expense to average assets | 3.1343% | 2,426 |
| Loan and lease loss provision to assets | -0.1451% | 6,525 |
| Net operating income to assets | 0.6806% | 3,781 |
| Return on assets (ROA) | 0.6806% | 3,860 |
| Pretax return on assets | 1.0589% | 3,088 |
| Return on Equity (ROE) | 8.1842% | 2,846 |
| Retained earnings to average equity (ytd only) | 8.1842% | 1,540 |
| Net charge-offs to loans | 0.3290% | 1,084 |
| Credit loss provision to net charge-offs | -59.3458% | 4,770 |
| Earnings coverage of net charge-offs (x) | 3.7360% | 2,638 |
| Efficiency ratio | 77.4280% | 2,569 |
| Assets per employee ($millions) | 5.1538% | 2,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3831% | 3,686 |
| Loan loss allowance to noncurrent loans | 214.5481% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.8707% | 3,551 |
| Noncurrent loans to loans | 0.6447% | 4,247 |
| Net loans and leases to total assets | 71.0455% | 1,716 |
| Net loans and leases to deposits | 78.8820% | 2,438 |
| Net loans and leases to core deposits | 83.9750% | 2,520 |
| Total domestic deposits to total assets | 90.0655% | 1,036 |
| Equity capital to assets | 8.1017% | 5,975 |
| Core capital (leverage) ratio | 8.3793% | 5,766 |
| Tier 1 risk-based capital ratio | 11.9117% | 5,702 |
| Total risk-based capital ratio | 14.7406% | 4,627 |
| Memoranda: | ||
| Average total assets | $700,000,000 | 972 |
| Average earning assets | $642,765,500 | 969 |
| Average equity | $58,209,500 | 1,251 |
| Average total loans | $520,384,000 | 842 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8307% | 4,690 |
| Cost of funding earning assets | 0.3839% | 4,809 |
| Net interest margin | 3.4468% | 4,105 |
| Noninterest income to average assets | 0.9190% | 1,615 |
| Noninterest expense to average assets | 3.3034% | 2,140 |
| Loan and lease loss provision to assets | 0.1502% | 2,403 |
| Net operating income to assets | 0.4133% | 5,101 |
| Return on assets (ROA) | 0.4158% | 5,203 |
| Pretax return on assets | 0.6272% | 4,782 |
| Return on Equity (ROE) | 5.0587% | 4,598 |
| Retained earnings to average equity (ytd only) | 5.0587% | 2,552 |
| Net charge-offs to loans | 0.4743% | 1,405 |
| Credit loss provision to net charge-offs | 39.7223% | 4,055 |
| Earnings coverage of net charge-offs (x) | 2.0463% | 4,368 |
| Efficiency ratio | 81.0222% | 2,020 |
| Assets per employee ($millions) | 4.8439% | 2,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5320% | 3,045 |
| Loan loss allowance to noncurrent loans | 189.3429% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.9998% | 3,415 |
| Noncurrent loans to loans | 0.8091% | 3,948 |
| Net loans and leases to total assets | 75.6446% | 1,126 |
| Net loans and leases to deposits | 84.5953% | 1,853 |
| Net loans and leases to core deposits | 90.4273% | 1,975 |
| Total domestic deposits to total assets | 89.4194% | 1,376 |
| Equity capital to assets | 8.5466% | 5,537 |
| Core capital (leverage) ratio | 8.5517% | 5,606 |
| Tier 1 risk-based capital ratio | 11.7546% | 5,774 |
| Total risk-based capital ratio | 14.8003% | 4,567 |
| Memoranda: | ||
| Average total assets | $685,743,600 | 970 |
| Average earning assets | $628,314,400 | 966 |
| Average equity | $56,357,800 | 1,269 |
| Average total loans | $546,647,600 | 770 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8557% | 4,653 |
| Cost of funding earning assets | 0.3944% | 4,867 |
| Net interest margin | 3.4614% | 4,051 |
| Noninterest income to average assets | 1.0059% | 1,434 |
| Noninterest expense to average assets | 3.3320% | 1,996 |
| Loan and lease loss provision to assets | 0.2592% | 1,369 |
| Net operating income to assets | 0.3941% | 5,265 |
| Return on assets (ROA) | 0.3974% | 5,389 |
| Pretax return on assets | 0.5896% | 5,056 |
| Return on Equity (ROE) | 4.8826% | 4,783 |
| Retained earnings to average equity (ytd only) | 4.8826% | 3,163 |
| Net charge-offs to loans | 0.6084% | 1,021 |
| Credit loss provision to net charge-offs | 52.9668% | 3,438 |
| Earnings coverage of net charge-offs (x) | 1.7247% | 4,263 |
| Efficiency ratio | 79.7914% | 2,133 |
| Assets per employee ($millions) | 4.6565% | 2,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6776% | 2,701 |
| Loan loss allowance to noncurrent loans | 150.2444% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 1.6769% | 2,454 |
| Noncurrent loans to loans | 1.1166% | 3,569 |
| Net loans and leases to total assets | 72.0280% | 1,590 |
| Net loans and leases to deposits | 80.4988% | 2,341 |
| Net loans and leases to core deposits | 85.9777% | 2,411 |
| Total domestic deposits to total assets | 89.4772% | 1,317 |
| Equity capital to assets | 8.4321% | 5,811 |
| Core capital (leverage) ratio | 8.3169% | 5,956 |
| Tier 1 risk-based capital ratio | 11.9497% | 5,805 |
| Total risk-based capital ratio | 15.0523% | 4,520 |
| Memoranda: | ||
| Average total assets | $688,852,250 | 974 |
| Average earning assets | $630,869,500 | 966 |
| Average equity | $56,061,000 | 1,285 |
| Average total loans | $553,998,000 | 760 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8758% | 4,564 |
| Cost of funding earning assets | 0.4025% | 4,921 |
| Net interest margin | 3.4733% | 3,907 |
| Noninterest income to average assets | 1.1159% | 1,221 |
| Noninterest expense to average assets | 3.3819% | 1,864 |
| Loan and lease loss provision to assets | 0.3259% | 1,063 |
| Net operating income to assets | 0.3983% | 5,221 |
| Return on assets (ROA) | 0.4032% | 5,371 |
| Pretax return on assets | 0.5962% | 5,024 |
| Return on Equity (ROE) | 5.0134% | 4,726 |
| Retained earnings to average equity (ytd only) | 5.0134% | 3,049 |
| Net charge-offs to loans | 0.8059% | 779 |
| Credit loss provision to net charge-offs | 48.8754% | 3,237 |
| Earnings coverage of net charge-offs (x) | 1.3720% | 4,083 |
| Efficiency ratio | 78.7071% | 2,346 |
| Assets per employee ($millions) | 4.7363% | 2,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5623% | 3,307 |
| Loan loss allowance to noncurrent loans | 95.5801% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.9102% | 2,269 |
| Noncurrent loans to loans | 1.6346% | 2,863 |
| Net loans and leases to total assets | 76.1838% | 968 |
| Net loans and leases to deposits | 85.0218% | 1,684 |
| Net loans and leases to core deposits | 89.7456% | 1,930 |
| Total domestic deposits to total assets | 89.6051% | 1,264 |
| Equity capital to assets | 8.2175% | 6,047 |
| Core capital (leverage) ratio | 8.1892% | 6,021 |
| Tier 1 risk-based capital ratio | 11.2560% | 6,223 |
| Total risk-based capital ratio | 14.2707% | 5,069 |
| Memoranda: | ||
| Average total assets | $693,406,330 | 960 |
| Average earning assets | $635,022,000 | 966 |
| Average equity | $55,770,330 | 1,295 |
| Average total loans | $573,789,330 | 727 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9353% | 4,345 |
| Cost of funding earning assets | 0.4160% | 4,949 |
| Net interest margin | 3.5194% | 3,621 |
| Noninterest income to average assets | 1.0604% | 1,326 |
| Noninterest expense to average assets | 3.2564% | 2,194 |
| Loan and lease loss provision to assets | 0.4243% | 712 |
| Net operating income to assets | 0.4036% | 5,118 |
| Return on assets (ROA) | 0.4036% | 5,262 |
| Pretax return on assets | 0.6051% | 4,930 |
| Return on Equity (ROE) | 5.0723% | 4,531 |
| Retained earnings to average equity (ytd only) | 5.0723% | 3,192 |
| Net charge-offs to loans | 1.1107% | 542 |
| Credit loss provision to net charge-offs | 44.7337% | 2,695 |
| Earnings coverage of net charge-offs (x) | 1.0854% | 3,476 |
| Efficiency ratio | 75.9812% | 2,928 |
| Assets per employee ($millions) | 4.9766% | 2,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4673% | 3,942 |
| Loan loss allowance to noncurrent loans | 71.4179% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 2.5003% | 1,846 |
| Noncurrent loans to loans | 2.0546% | 2,559 |
| Net loans and leases to total assets | 84.4375% | 178 |
| Net loans and leases to deposits | 94.1174% | 661 |
| Net loans and leases to core deposits | 98.8219% | 1,022 |
| Total domestic deposits to total assets | 89.7151% | 1,221 |
| Equity capital to assets | 8.1823% | 6,265 |
| Core capital (leverage) ratio | 7.9379% | 6,194 |
| Tier 1 risk-based capital ratio | 10.5292% | 6,570 |
| Total risk-based capital ratio | 13.8671% | 5,455 |
| Memoranda: | ||
| Average total assets | $696,725,000 | 963 |
| Average earning assets | $638,523,500 | 964 |
| Average equity | $55,438,000 | 1,316 |
| Average total loans | $594,928,500 | 700 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2450% | 4,420 |
| Cost of funding earning assets | 0.6086% | 4,260 |
| Net interest margin | 3.6364% | 3,936 |
| Noninterest income to average assets | 1.1750% | 1,143 |
| Noninterest expense to average assets | 3.0335% | 3,152 |
| Loan and lease loss provision to assets | 0.9913% | 427 |
| Net operating income to assets | 0.3390% | 5,331 |
| Return on assets (ROA) | 0.3495% | 5,517 |
| Pretax return on assets | 0.5194% | 5,221 |
| Return on Equity (ROE) | 4.3679% | 4,987 |
| Retained earnings to average equity (ytd only) | 4.3679% | 3,154 |
| Net charge-offs to loans | 1.2398% | 802 |
| Credit loss provision to net charge-offs | 94.0802% | 3,310 |
| Earnings coverage of net charge-offs (x) | 1.4188% | 4,742 |
| Efficiency ratio | 66.9877% | 4,335 |
| Assets per employee ($millions) | 5.3508% | 1,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5665% | 3,451 |
| Loan loss allowance to noncurrent loans | 48.5492% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 3.4412% | 1,325 |
| Noncurrent loans to loans | 3.2267% | 1,601 |
| Net loans and leases to total assets | 83.7634% | 226 |
| Net loans and leases to deposits | 92.7476% | 848 |
| Net loans and leases to core deposits | 100.0346% | 1,024 |
| Total domestic deposits to total assets | 90.3132% | 792 |
| Equity capital to assets | 7.7410% | 6,528 |
| Core capital (leverage) ratio | 7.9065% | 6,277 |
| Tier 1 risk-based capital ratio | 10.2096% | 6,647 |
| Total risk-based capital ratio | 13.5120% | 5,581 |
| Memoranda: | ||
| Average total assets | $671,730,800 | 977 |
| Average earning assets | $619,460,200 | 970 |
| Average equity | $53,755,600 | 1,322 |
| Average total loans | $570,920,400 | 726 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3032% | 4,441 |
| Cost of funding earning assets | 0.6354% | 4,314 |
| Net interest margin | 3.6678% | 3,933 |
| Noninterest income to average assets | 1.0912% | 1,263 |
| Noninterest expense to average assets | 3.0393% | 3,098 |
| Loan and lease loss provision to assets | 1.0926% | 355 |
| Net operating income to assets | 0.2448% | 5,794 |
| Return on assets (ROA) | 0.2597% | 5,943 |
| Pretax return on assets | 0.3733% | 5,783 |
| Return on Equity (ROE) | 3.2171% | 5,604 |
| Retained earnings to average equity (ytd only) | 3.2171% | 4,602 |
| Net charge-offs to loans | 1.2260% | 791 |
| Credit loss provision to net charge-offs | 104.8936% | 2,805 |
| Earnings coverage of net charge-offs (x) | 1.3868% | 4,602 |
| Efficiency ratio | 67.7825% | 4,107 |
| Assets per employee ($millions) | 5.3943% | 1,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6756% | 3,225 |
| Loan loss allowance to noncurrent loans | 51.2614% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 3.9465% | 1,225 |
| Noncurrent loans to loans | 3.2687% | 1,684 |
| Net loans and leases to total assets | 89.1304% | 66 |
| Net loans and leases to deposits | 99.2552% | 480 |
| Net loans and leases to core deposits | 108.0975% | 647 |
| Total domestic deposits to total assets | 89.7993% | 947 |
| Equity capital to assets | 8.0794% | 6,557 |
| Core capital (leverage) ratio | 7.9370% | 6,377 |
| Tier 1 risk-based capital ratio | 10.1998% | 6,752 |
| Total risk-based capital ratio | 13.5426% | 5,742 |
| Memoranda: | ||
| Average total assets | $661,748,000 | 996 |
| Average earning assets | $612,121,750 | 989 |
| Average equity | $53,422,000 | 1,341 |
| Average total loans | $562,250,750 | 739 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2827% | 4,638 |
| Cost of funding earning assets | 0.6433% | 4,500 |
| Net interest margin | 3.6394% | 4,083 |
| Noninterest income to average assets | 0.9394% | 1,648 |
| Noninterest expense to average assets | 2.9889% | 3,295 |
| Loan and lease loss provision to assets | 0.8778% | 543 |
| Net operating income to assets | 0.2975% | 5,629 |
| Return on assets (ROA) | 0.3194% | 5,753 |
| Pretax return on assets | 0.4665% | 5,524 |
| Return on Equity (ROE) | 3.9575% | 5,283 |
| Retained earnings to average equity (ytd only) | 3.9575% | 3,982 |
| Net charge-offs to loans | 1.6236% | 575 |
| Credit loss provision to net charge-offs | 65.1069% | 3,688 |
| Earnings coverage of net charge-offs (x) | 0.9732% | 4,547 |
| Efficiency ratio | 69.4922% | 3,851 |
| Assets per employee ($millions) | 5.5494% | 1,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4632% | 4,189 |
| Loan loss allowance to noncurrent loans | 48.6180% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 3.7324% | 1,396 |
| Noncurrent loans to loans | 3.0096% | 1,965 |
| Net loans and leases to total assets | 83.1077% | 262 |
| Net loans and leases to deposits | 92.4463% | 892 |
| Net loans and leases to core deposits | 100.5927% | 1,057 |
| Total domestic deposits to total assets | 89.8983% | 982 |
| Equity capital to assets | 7.9377% | 6,606 |
| Core capital (leverage) ratio | 7.9990% | 6,280 |
| Tier 1 risk-based capital ratio | 10.4802% | 6,704 |
| Total risk-based capital ratio | 13.8864% | 5,450 |
| Memoranda: | ||
| Average total assets | $659,365,330 | 998 |
| Average earning assets | $609,051,670 | 991 |
| Average equity | $53,215,000 | 1,338 |
| Average total loans | $547,551,000 | 766 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2870% | 4,789 |
| Cost of funding earning assets | 0.6649% | 4,582 |
| Net interest margin | 3.6221% | 4,169 |
| Noninterest income to average assets | 0.7465% | 2,418 |
| Noninterest expense to average assets | 2.9299% | 3,509 |
| Loan and lease loss provision to assets | 0.9414% | 457 |
| Net operating income to assets | 0.1653% | 6,077 |
| Return on assets (ROA) | 0.2134% | 6,091 |
| Pretax return on assets | 0.2908% | 6,000 |
| Return on Equity (ROE) | 2.6212% | 5,858 |
| Retained earnings to average equity (ytd only) | 2.6212% | 4,948 |
| Net charge-offs to loans | 1.7133% | 561 |
| Credit loss provision to net charge-offs | 66.7102% | 2,982 |
| Earnings coverage of net charge-offs (x) | 0.8266% | 3,914 |
| Efficiency ratio | 71.5251% | 3,527 |
| Assets per employee ($millions) | 5.6661% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7202% | 3,268 |
| Loan loss allowance to noncurrent loans | 41.9281% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 3.8683% | 1,441 |
| Noncurrent loans to loans | 4.1027% | 1,479 |
| Net loans and leases to total assets | 78.1216% | 580 |
| Net loans and leases to deposits | 86.9918% | 1,292 |
| Net loans and leases to core deposits | 95.1203% | 1,365 |
| Total domestic deposits to total assets | 89.8034% | 1,190 |
| Equity capital to assets | 7.9328% | 6,567 |
| Core capital (leverage) ratio | 8.1225% | 6,128 |
| Tier 1 risk-based capital ratio | 10.6985% | 6,672 |
| Total risk-based capital ratio | 14.1819% | 5,236 |
| Memoranda: | ||
| Average total assets | $650,536,500 | 1,020 |
| Average earning assets | $601,635,500 | 1,002 |
| Average equity | $52,952,500 | 1,338 |
| Average total loans | $535,820,000 | 777 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6797% | 4,331 |
| Cost of funding earning assets | 0.8255% | 4,664 |
| Net interest margin | 3.8542% | 3,549 |
| Noninterest income to average assets | 0.5148% | 3,751 |
| Noninterest expense to average assets | 2.7152% | 4,689 |
| Loan and lease loss provision to assets | 1.0602% | 867 |
| Net operating income to assets | 0.2185% | 5,531 |
| Return on assets (ROA) | 0.2573% | 5,550 |
| Pretax return on assets | 0.3924% | 5,317 |
| Return on Equity (ROE) | 3.1633% | 5,220 |
| Retained earnings to average equity (ytd only) | 3.1633% | 3,968 |
| Net charge-offs to loans | 1.2805% | 1,292 |
| Credit loss provision to net charge-offs | 99.5721% | 3,589 |
| Earnings coverage of net charge-offs (x) | 1.3091% | 4,796 |
| Efficiency ratio | 66.0792% | 4,756 |
| Assets per employee ($millions) | 5.3149% | 1,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8338% | 2,764 |
| Loan loss allowance to noncurrent loans | 41.2406% | 5,529 |
| Noncurrent assets plus other real estate owned to assets | 4.2485% | 1,316 |
| Noncurrent loans to loans | 4.4466% | 1,344 |
| Net loans and leases to total assets | 83.8409% | 213 |
| Net loans and leases to deposits | 93.7966% | 826 |
| Net loans and leases to core deposits | 101.3980% | 1,071 |
| Total domestic deposits to total assets | 89.3859% | 1,319 |
| Equity capital to assets | 8.3587% | 6,296 |
| Core capital (leverage) ratio | 8.3697% | 5,752 |
| Tier 1 risk-based capital ratio | 10.4257% | 6,718 |
| Total risk-based capital ratio | 13.8707% | 5,340 |
| Memoranda: | ||
| Average total assets | $636,592,600 | 1,020 |
| Average earning assets | $593,665,600 | 992 |
| Average equity | $51,781,600 | 1,322 |
| Average total loans | $529,330,600 | 788 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6751% | 4,569 |
| Cost of funding earning assets | 0.8505% | 4,771 |
| Net interest margin | 3.8246% | 3,747 |
| Noninterest income to average assets | 0.3051% | 5,417 |
| Noninterest expense to average assets | 2.7025% | 4,716 |
| Loan and lease loss provision to assets | 0.9556% | 921 |
| Net operating income to assets | 0.1464% | 5,848 |
| Return on assets (ROA) | 0.1972% | 5,840 |
| Pretax return on assets | 0.3022% | 5,700 |
| Return on Equity (ROE) | 2.4409% | 5,640 |
| Retained earnings to average equity (ytd only) | 2.4409% | 4,901 |
| Net charge-offs to loans | 1.2140% | 1,288 |
| Credit loss provision to net charge-offs | 95.3076% | 3,593 |
| Earnings coverage of net charge-offs (x) | 1.1764% | 4,742 |
| Efficiency ratio | 69.6149% | 4,018 |
| Assets per employee ($millions) | 5.5891% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8200% | 2,865 |
| Loan loss allowance to noncurrent loans | 40.8386% | 5,578 |
| Noncurrent assets plus other real estate owned to assets | 4.1945% | 1,457 |
| Noncurrent loans to loans | 4.4567% | 1,449 |
| Net loans and leases to total assets | 82.9437% | 294 |
| Net loans and leases to deposits | 92.8009% | 933 |
| Net loans and leases to core deposits | 100.1577% | 1,234 |
| Total domestic deposits to total assets | 89.3781% | 1,208 |
| Equity capital to assets | 8.2695% | 6,513 |
| Core capital (leverage) ratio | 8.1969% | 6,136 |
| Tier 1 risk-based capital ratio | 10.3223% | 6,851 |
| Total risk-based capital ratio | 13.7696% | 5,463 |
| Memoranda: | ||
| Average total assets | $637,621,000 | 1,025 |
| Average earning assets | $596,334,500 | 993 |
| Average equity | $51,510,250 | 1,325 |
| Average total loans | $526,617,750 | 804 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5981% | 4,970 |
| Cost of funding earning assets | 0.8723% | 4,884 |
| Net interest margin | 3.7258% | 4,146 |
| Noninterest income to average assets | 0.1757% | 6,402 |
| Noninterest expense to average assets | 2.7472% | 4,638 |
| Loan and lease loss provision to assets | 0.7607% | 1,224 |
| Net operating income to assets | 0.1061% | 6,000 |
| Return on assets (ROA) | 0.1720% | 5,925 |
| Pretax return on assets | 0.2698% | 5,748 |
| Return on Equity (ROE) | 2.1455% | 5,744 |
| Retained earnings to average equity (ytd only) | 2.1455% | 4,918 |
| Net charge-offs to loans | 0.9247% | 1,681 |
| Credit loss provision to net charge-offs | 100.3713% | 3,094 |
| Earnings coverage of net charge-offs (x) | 1.2240% | 4,371 |
| Efficiency ratio | 74.7554% | 3,228 |
| Assets per employee ($millions) | 5.6870% | 1,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8766% | 2,742 |
| Loan loss allowance to noncurrent loans | 36.9844% | 5,825 |
| Noncurrent assets plus other real estate owned to assets | 4.7112% | 1,324 |
| Noncurrent loans to loans | 5.0739% | 1,284 |
| Net loans and leases to total assets | 81.6333% | 398 |
| Net loans and leases to deposits | 91.6909% | 1,094 |
| Net loans and leases to core deposits | 100.0518% | 1,337 |
| Total domestic deposits to total assets | 89.0309% | 1,514 |
| Equity capital to assets | 8.1241% | 6,581 |
| Core capital (leverage) ratio | 8.0918% | 6,177 |
| Tier 1 risk-based capital ratio | 10.3267% | 6,858 |
| Total risk-based capital ratio | 13.7961% | 5,281 |
| Memoranda: | ||
| Average total assets | $639,637,330 | 1,030 |
| Average earning assets | $600,724,330 | 993 |
| Average equity | $51,271,000 | 1,309 |
| Average total loans | $524,303,670 | 818 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7059% | 4,498 |
| Cost of funding earning assets | 0.9148% | 4,817 |
| Net interest margin | 3.7910% | 3,658 |
| Noninterest income to average assets | 0.1573% | 6,594 |
| Noninterest expense to average assets | 2.7888% | 4,496 |
| Loan and lease loss provision to assets | 0.6334% | 1,361 |
| Net operating income to assets | 0.1872% | 5,826 |
| Return on assets (ROA) | 0.1872% | 5,886 |
| Pretax return on assets | 0.2933% | 5,675 |
| Return on Equity (ROE) | 2.3514% | 5,657 |
| Retained earnings to average equity (ytd only) | 2.3514% | 4,737 |
| Net charge-offs to loans | 1.2303% | 1,129 |
| Credit loss provision to net charge-offs | 63.2793% | 3,486 |
| Earnings coverage of net charge-offs (x) | 0.9258% | 3,959 |
| Efficiency ratio | 75.0588% | 3,323 |
| Assets per employee ($millions) | 5.6440% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8995% | 2,690 |
| Loan loss allowance to noncurrent loans | 41.2900% | 5,548 |
| Noncurrent assets plus other real estate owned to assets | 4.2333% | 1,554 |
| Noncurrent loans to loans | 4.6005% | 1,503 |
| Net loans and leases to total assets | 74.3637% | 1,292 |
| Net loans and leases to deposits | 83.3723% | 2,123 |
| Net loans and leases to core deposits | 91.3270% | 2,195 |
| Total domestic deposits to total assets | 89.1947% | 1,650 |
| Equity capital to assets | 7.8863% | 6,607 |
| Core capital (leverage) ratio | 7.9217% | 6,337 |
| Tier 1 risk-based capital ratio | 10.4240% | 6,850 |
| Total risk-based capital ratio | 13.9249% | 5,067 |
| Memoranda: | ||
| Average total assets | $640,983,500 | 1,035 |
| Average earning assets | $601,634,000 | 999 |
| Average equity | $51,033,500 | 1,307 |
| Average total loans | $521,504,000 | 830 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9928% | 4,597 |
| Cost of funding earning assets | 1.1437% | 4,886 |
| Net interest margin | 3.8490% | 3,736 |
| Noninterest income to average assets | 0.3725% | 5,115 |
| Noninterest expense to average assets | 2.4940% | 5,820 |
| Loan and lease loss provision to assets | 1.2281% | 1,266 |
| Net operating income to assets | 0.1543% | 5,425 |
| Return on assets (ROA) | 0.2262% | 5,346 |
| Pretax return on assets | 0.3832% | 4,999 |
| Return on Equity (ROE) | 2.9393% | 4,981 |
| Retained earnings to average equity (ytd only) | 1.4608% | 4,802 |
| Net charge-offs to loans | 1.0406% | 2,122 |
| Credit loss provision to net charge-offs | 144.2959% | 2,578 |
| Earnings coverage of net charge-offs (x) | 1.7611% | 4,397 |
| Efficiency ratio | 62.4606% | 5,641 |
| Assets per employee ($millions) | 5.3636% | 1,703 |
| Cash dividends to net income (ytd only)* | 50.3018% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8031% | 2,854 |
| Loan loss allowance to noncurrent loans | 85.4844% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 2.6731% | 2,608 |
| Noncurrent loans to loans | 2.1093% | 3,423 |
| Net loans and leases to total assets | 85.4885% | 209 |
| Net loans and leases to deposits | 95.9508% | 875 |
| Net loans and leases to core deposits | 107.4461% | 1,096 |
| Total domestic deposits to total assets | 89.0961% | 1,595 |
| Equity capital to assets | 8.0391% | 6,454 |
| Core capital (leverage) ratio | 8.0396% | 6,136 |
| Tier 1 risk-based capital ratio | 9.6435% | 7,092 |
| Total risk-based capital ratio | 12.9896% | 5,700 |
| Memoranda: | ||
| Average total assets | $659,128,800 | 1,009 |
| Average earning assets | $619,998,400 | 973 |
| Average equity | $50,727,200 | 1,311 |
| Average total loans | $539,119,200 | 839 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9464% | 5,053 |
| Cost of funding earning assets | 1.1916% | 4,907 |
| Net interest margin | 3.7548% | 4,169 |
| Noninterest income to average assets | 0.2742% | 5,915 |
| Noninterest expense to average assets | 2.3476% | 6,181 |
| Loan and lease loss provision to assets | 1.0071% | 1,471 |
| Net operating income to assets | 0.2653% | 5,298 |
| Return on assets (ROA) | 0.3088% | 5,303 |
| Pretax return on assets | 0.5206% | 4,859 |
| Return on Equity (ROE) | 4.0560% | 4,753 |
| Retained earnings to average equity (ytd only) | 2.0832% | 4,918 |
| Net charge-offs to loans | 1.0547% | 1,923 |
| Credit loss provision to net charge-offs | 118.5569% | 3,495 |
| Earnings coverage of net charge-offs (x) | 1.7182% | 4,416 |
| Efficiency ratio | 61.6635% | 5,673 |
| Assets per employee ($millions) | 5.5491% | 1,588 |
| Cash dividends to net income (ytd only)* | 48.6383% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5092% | 3,919 |
| Loan loss allowance to noncurrent loans | 61.0239% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 2.6907% | 2,684 |
| Noncurrent loans to loans | 2.4731% | 3,149 |
| Net loans and leases to total assets | 84.9773% | 268 |
| Net loans and leases to deposits | 95.8541% | 997 |
| Net loans and leases to core deposits | 107.7494% | 1,184 |
| Total domestic deposits to total assets | 88.6528% | 1,591 |
| Equity capital to assets | 8.1015% | 6,711 |
| Core capital (leverage) ratio | 7.9912% | 6,356 |
| Tier 1 risk-based capital ratio | 9.6786% | 7,197 |
| Total risk-based capital ratio | 13.0272% | 5,639 |
| Memoranda: | ||
| Average total assets | $665,685,000 | 1,006 |
| Average earning assets | $626,347,500 | 969 |
| Average equity | $50,689,000 | 1,322 |
| Average total loans | $536,150,250 | 842 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8344% | 5,667 |
| Cost of funding earning assets | 1.2361% | 4,924 |
| Net interest margin | 3.5983% | 4,816 |
| Noninterest income to average assets | 0.1297% | 6,941 |
| Noninterest expense to average assets | 2.2042% | 6,638 |
| Loan and lease loss provision to assets | 0.8459% | 1,720 |
| Net operating income to assets | 0.2726% | 5,287 |
| Return on assets (ROA) | 0.3165% | 5,280 |
| Pretax return on assets | 0.5329% | 4,800 |
| Return on Equity (ROE) | 4.2414% | 4,668 |
| Retained earnings to average equity (ytd only) | 1.2712% | 5,245 |
| Net charge-offs to loans | 0.6860% | 2,502 |
| Credit loss provision to net charge-offs | 156.5646% | 2,520 |
| Earnings coverage of net charge-offs (x) | 2.4251% | 3,782 |
| Efficiency ratio | 62.7197% | 5,570 |
| Assets per employee ($millions) | 6.0260% | 1,209 |
| Cash dividends to net income (ytd only)* | 70.0280% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 3,550 |
| Loan loss allowance to noncurrent loans | 54.2247% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 3.2013% | 2,213 |
| Noncurrent loans to loans | 2.9083% | 2,749 |
| Net loans and leases to total assets | 81.3605% | 621 |
| Net loans and leases to deposits | 91.3105% | 1,649 |
| Net loans and leases to core deposits | 102.6889% | 1,766 |
| Total domestic deposits to total assets | 89.1030% | 1,376 |
| Equity capital to assets | 7.8140% | 6,913 |
| Core capital (leverage) ratio | 7.5019% | 6,822 |
| Tier 1 risk-based capital ratio | 9.5784% | 7,229 |
| Total risk-based capital ratio | 12.9260% | 5,567 |
| Memoranda: | ||
| Average total assets | $676,714,330 | 994 |
| Average earning assets | $636,519,670 | 961 |
| Average equity | $50,502,000 | 1,324 |
| Average total loans | $532,933,330 | 859 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6729% | 6,338 |
| Cost of funding earning assets | 1.2680% | 5,015 |
| Net interest margin | 3.4049% | 5,563 |
| Noninterest income to average assets | 0.0667% | 7,385 |
| Noninterest expense to average assets | 2.0862% | 6,985 |
| Loan and lease loss provision to assets | 0.7250% | 1,754 |
| Net operating income to assets | 0.2741% | 5,402 |
| Return on assets (ROA) | 0.3602% | 5,147 |
| Pretax return on assets | 0.6014% | 4,597 |
| Return on Equity (ROE) | 4.9358% | 4,398 |
| Retained earnings to average equity (ytd only) | -1.0253% | 6,054 |
| Net charge-offs to loans | 0.5875% | 2,337 |
| Credit loss provision to net charge-offs | 160.4621% | 2,247 |
| Earnings coverage of net charge-offs (x) | 2.6380% | 3,216 |
| Efficiency ratio | 63.6412% | 5,556 |
| Assets per employee ($millions) | 6.7343% | 896 |
| Cash dividends to net income (ytd only)* | 120.7729% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4665% | 4,090 |
| Loan loss allowance to noncurrent loans | 46.1731% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 3.1288% | 2,286 |
| Noncurrent loans to loans | 3.1760% | 2,521 |
| Net loans and leases to total assets | 75.9917% | 1,544 |
| Net loans and leases to deposits | 84.5546% | 2,844 |
| Net loans and leases to core deposits | 97.7598% | 2,367 |
| Total domestic deposits to total assets | 89.8729% | 1,056 |
| Equity capital to assets | 7.1697% | 7,300 |
| Core capital (leverage) ratio | 7.2858% | 7,043 |
| Tier 1 risk-based capital ratio | 9.3562% | 7,370 |
| Total risk-based capital ratio | 12.6759% | 5,716 |
| Memoranda: | ||
| Average total assets | $689,669,000 | 995 |
| Average earning assets | $650,467,500 | 961 |
| Average equity | $50,326,000 | 1,326 |
| Average total loans | $530,409,000 | 885 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0259% | 6,348 |
| Cost of funding earning assets | 1.7022% | 4,493 |
| Net interest margin | 3.3238% | 5,649 |
| Noninterest income to average assets | 0.0066% | 7,673 |
| Noninterest expense to average assets | 2.0271% | 7,329 |
| Loan and lease loss provision to assets | 0.8141% | 2,693 |
| Net operating income to assets | 0.1864% | 4,940 |
| Return on assets (ROA) | 0.2287% | 4,872 |
| Pretax return on assets | 0.3824% | 4,545 |
| Return on Equity (ROE) | 3.1635% | 4,430 |
| Retained earnings to average equity (ytd only) | 1.6764% | 3,910 |
| Net charge-offs to loans | 0.8585% | 2,680 |
| Credit loss provision to net charge-offs | 123.1665% | 4,286 |
| Earnings coverage of net charge-offs (x) | 1.7101% | 4,457 |
| Efficiency ratio | 64.2012% | 5,739 |
| Assets per employee ($millions) | 7.0726% | 771 |
| Cash dividends to net income (ytd only)* | 47.0075% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4308% | 4,070 |
| Loan loss allowance to noncurrent loans | 41.5806% | 5,632 |
| Noncurrent assets plus other real estate owned to assets | 3.1206% | 2,220 |
| Noncurrent loans to loans | 3.4411% | 2,211 |
| Net loans and leases to total assets | 75.5889% | 1,903 |
| Net loans and leases to deposits | 84.4834% | 3,184 |
| Net loans and leases to core deposits | 112.5122% | 2,643 |
| Total domestic deposits to total assets | 89.4719% | 1,219 |
| Equity capital to assets | 7.4286% | 7,098 |
| Core capital (leverage) ratio | 7.3066% | 6,978 |
| Tier 1 risk-based capital ratio | 9.3367% | 7,309 |
| Total risk-based capital ratio | 12.6410% | 5,479 |
| Memoranda: | ||
| Average total assets | $701,382,600 | 982 |
| Average earning assets | $664,910,400 | 932 |
| Average equity | $50,703,600 | 1,318 |
| Average total loans | $540,020,000 | 888 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0590% | 6,419 |
| Cost of funding earning assets | 1.8190% | 4,294 |
| Net interest margin | 3.2400% | 5,879 |
| Noninterest income to average assets | 0.1069% | 7,371 |
| Noninterest expense to average assets | 1.9883% | 7,407 |
| Loan and lease loss provision to assets | 0.6834% | 2,687 |
| Net operating income to assets | 0.3053% | 4,773 |
| Return on assets (ROA) | 0.3613% | 4,650 |
| Pretax return on assets | 0.6001% | 4,187 |
| Return on Equity (ROE) | 5.0317% | 3,956 |
| Retained earnings to average equity (ytd only) | 3.0516% | 3,621 |
| Net charge-offs to loans | 0.6377% | 2,770 |
| Credit loss provision to net charge-offs | 139.0637% | 3,554 |
| Earnings coverage of net charge-offs (x) | 2.4336% | 4,015 |
| Efficiency ratio | 62.4400% | 6,027 |
| Assets per employee ($millions) | 7.1023% | 751 |
| Cash dividends to net income (ytd only)* | 39.3529% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 4,029 |
| Loan loss allowance to noncurrent loans | 45.6335% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 2.8508% | 2,439 |
| Noncurrent loans to loans | 3.0339% | 2,496 |
| Net loans and leases to total assets | 74.1551% | 2,482 |
| Net loans and leases to deposits | 83.0427% | 3,820 |
| Net loans and leases to core deposits | 114.9081% | 2,737 |
| Total domestic deposits to total assets | 89.2976% | 1,060 |
| Equity capital to assets | 7.1649% | 7,512 |
| Core capital (leverage) ratio | 7.2017% | 7,265 |
| Tier 1 risk-based capital ratio | 9.1068% | 7,580 |
| Total risk-based capital ratio | 12.3485% | 5,810 |
| Memoranda: | ||
| Average total assets | $706,985,000 | 974 |
| Average earning assets | $671,498,250 | 935 |
| Average equity | $50,770,000 | 1,336 |
| Average total loans | $544,855,500 | 893 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0961% | 6,451 |
| Cost of funding earning assets | 1.8729% | 4,406 |
| Net interest margin | 3.2231% | 5,833 |
| Noninterest income to average assets | 0.0975% | 7,496 |
| Noninterest expense to average assets | 2.0289% | 7,414 |
| Loan and lease loss provision to assets | 0.5055% | 3,010 |
| Net operating income to assets | 0.3732% | 4,608 |
| Return on assets (ROA) | 0.4573% | 4,379 |
| Pretax return on assets | 0.7585% | 3,809 |
| Return on Equity (ROE) | 6.3630% | 3,494 |
| Retained earnings to average equity (ytd only) | 6.3630% | 1,857 |
| Net charge-offs to loans | 0.2921% | 3,730 |
| Credit loss provision to net charge-offs | 222.7216% | 2,059 |
| Earnings coverage of net charge-offs (x) | 4.9900% | 2,939 |
| Efficiency ratio | 64.1782% | 5,880 |
| Assets per employee ($millions) | 7.1781% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 4,041 |
| Loan loss allowance to noncurrent loans | 58.4604% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 2.3386% | 2,778 |
| Noncurrent loans to loans | 2.2911% | 3,149 |
| Net loans and leases to total assets | 76.2821% | 2,117 |
| Net loans and leases to deposits | 85.6014% | 3,620 |
| Net loans and leases to core deposits | 116.3853% | 2,680 |
| Total domestic deposits to total assets | 89.1132% | 1,209 |
| Equity capital to assets | 7.1983% | 7,483 |
| Core capital (leverage) ratio | 7.2281% | 7,324 |
| Tier 1 risk-based capital ratio | 8.9531% | 7,720 |
| Total risk-based capital ratio | 12.1444% | 5,932 |
| Memoranda: | ||
| Average total assets | $705,903,330 | 995 |
| Average earning assets | $671,028,000 | 947 |
| Average equity | $50,731,000 | 1,350 |
| Average total loans | $548,452,000 | 909 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1354% | 6,542 |
| Cost of funding earning assets | 1.9832% | 4,217 |
| Net interest margin | 3.1523% | 6,008 |
| Noninterest income to average assets | 0.1268% | 7,385 |
| Noninterest expense to average assets | 1.9251% | 7,501 |
| Loan and lease loss provision to assets | 0.5032% | 2,459 |
| Net operating income to assets | 0.4149% | 4,800 |
| Return on assets (ROA) | 0.5833% | 4,282 |
| Pretax return on assets | 0.9603% | 3,498 |
| Return on Equity (ROE) | 8.1235% | 3,085 |
| Retained earnings to average equity (ytd only) | 8.1235% | 1,762 |
| Net charge-offs to loans | 0.0438% | 4,865 |
| Credit loss provision to net charge-offs | 1,475.0000% | 436 |
| Earnings coverage of net charge-offs (x) | 35.1833% | 941 |
| Efficiency ratio | 61.5972% | 6,129 |
| Assets per employee ($millions) | 7.2008% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 4,017 |
| Loan loss allowance to noncurrent loans | 105.3702% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 1.2685% | 4,138 |
| Noncurrent loans to loans | 1.2435% | 4,482 |
| Net loans and leases to total assets | 75.3187% | 2,427 |
| Net loans and leases to deposits | 84.3357% | 3,926 |
| Net loans and leases to core deposits | 108.5094% | 3,616 |
| Total domestic deposits to total assets | 89.3083% | 1,096 |
| Equity capital to assets | 7.0667% | 7,647 |
| Core capital (leverage) ratio | 7.2041% | 7,476 |
| Tier 1 risk-based capital ratio | 8.8539% | 7,862 |
| Total risk-based capital ratio | 12.0467% | 5,999 |
| Memoranda: | ||
| Average total assets | $703,540,500 | 999 |
| Average earning assets | $669,233,000 | 953 |
| Average equity | $50,520,000 | 1,359 |
| Average total loans | $547,957,000 | 918 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2291% | 4,362 |
| Cost of funding earning assets | 2.5669% | 3,869 |
| Net interest margin | 3.6622% | 4,632 |
| Noninterest income to average assets | 0.1513% | 7,337 |
| Noninterest expense to average assets | 2.3938% | 6,417 |
| Loan and lease loss provision to assets | 0.4488% | 3,046 |
| Net operating income to assets | 0.4852% | 4,807 |
| Return on assets (ROA) | 0.4859% | 4,625 |
| Pretax return on assets | 0.7879% | 4,114 |
| Return on Equity (ROE) | 6.2318% | 3,849 |
| Retained earnings to average equity (ytd only) | 6.2318% | 1,413 |
| Net charge-offs to loans | 0.2700% | 3,603 |
| Credit loss provision to net charge-offs | 196.9264% | 2,487 |
| Earnings coverage of net charge-offs (x) | 5.4217% | 3,651 |
| Efficiency ratio | 65.9560% | 5,136 |
| Assets per employee ($millions) | 6.8700% | 749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 4,801 |
| Loan loss allowance to noncurrent loans | 126.0827% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 1.0674% | 4,158 |
| Noncurrent loans to loans | 0.9256% | 4,772 |
| Net loans and leases to total assets | 78.5999% | 1,979 |
| Net loans and leases to deposits | 88.0845% | 3,795 |
| Net loans and leases to core deposits | 109.7607% | 3,798 |
| Total domestic deposits to total assets | 89.2323% | 948 |
| Equity capital to assets | 7.3004% | 7,558 |
| Core capital (leverage) ratio | 7.3901% | 7,315 |
| Tier 1 risk-based capital ratio | 8.8532% | 7,873 |
| Total risk-based capital ratio | 11.9889% | 5,876 |
| Memoranda: | ||
| Average total assets | $613,871,800 | 1,100 |
| Average earning assets | $583,005,400 | 1,058 |
| Average equity | $47,867,600 | 1,431 |
| Average total loans | $518,064,600 | 916 |