Home > Shore United Bank, N.A. > Performance and Condition Ratios
Shore United Bank, N.A., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1940% | 1,673 |
| Cost of funding earning assets | 1.8031% | 1,244 |
| Net interest margin | 3.3909% | 2,420 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.5739% | 2,087 |
| Loan and lease loss provision to assets | 0.6900% | 117 |
| Net operating income to assets | 0.2958% | 4,033 |
| Return on assets (ROA) | 0.2586% | 4,091 |
| Pretax return on assets | 0.3603% | 4,020 |
| Return on Equity (ROE) | 2.5000% | 4,098 |
| Retained earnings to average equity (ytd only) | -2.2552% | 4,287 |
| Net charge-offs to loans | 0.0584% | 1,273 |
| Credit loss provision to net charge-offs | 1,506.8351% | 289 |
| Earnings coverage of net charge-offs (x) | 24.3626% | 1,762 |
| Efficiency ratio | 66.3621% | 2,302 |
| Assets per employee ($millions) | 9.7315% | 764 |
| Cash dividends to net income (ytd only)* | 190.1305% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 2,096 |
| Loan loss allowance to noncurrent loans | 424.1310% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.2282% | 2,082 |
| Noncurrent loans to loans | 0.2908% | 2,133 |
| Net loans and leases to total assets | 76.4900% | 1,056 |
| Net loans and leases to deposits | 85.1186% | 1,681 |
| Net loans and leases to core deposits | 95.5912% | 1,677 |
| Total domestic deposits to total assets | 89.8600% | 798 |
| Equity capital to assets | 9.4948% | 2,350 |
| Core capital (leverage) ratio | 8.3296% | 4,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2675% | 2,771 |
| Memoranda: | ||
| Average total assets | $4,475,244,600 | 296 |
| Average earning assets | $4,121,665,600 | 292 |
| Average equity | $462,436,200 | 285 |
| Average total loans | $3,455,119,600 | 266 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0563% | 1,720 |
| Cost of funding earning assets | 1.6332% | 1,312 |
| Net interest margin | 3.4232% | 2,406 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 2.6867% | 1,707 |
| Loan and lease loss provision to assets | 0.9800% | 66 |
| Net operating income to assets | 0.0392% | 4,354 |
| Return on assets (ROA) | -0.0371% | 4,431 |
| Pretax return on assets | -0.0111% | 4,412 |
| Return on Equity (ROE) | -0.3500% | 4,403 |
| Retained earnings to average equity (ytd only) | -4.6255% | 4,418 |
| Net charge-offs to loans | 0.0642% | 1,024 |
| Credit loss provision to net charge-offs | 1,950.1646% | 241 |
| Earnings coverage of net charge-offs (x) | 21.1053% | 1,789 |
| Efficiency ratio | 68.9497% | 1,911 |
| Assets per employee ($millions) | 8.6408% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 2,208 |
| Loan loss allowance to noncurrent loans | 512.5416% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.1983% | 2,272 |
| Noncurrent loans to loans | 0.2403% | 2,384 |
| Net loans and leases to total assets | 80.2400% | 612 |
| Net loans and leases to deposits | 89.4420% | 1,273 |
| Net loans and leases to core deposits | 97.9998% | 1,446 |
| Total domestic deposits to total assets | 89.7100% | 1,017 |
| Equity capital to assets | 9.9270% | 1,868 |
| Core capital (leverage) ratio | 8.2782% | 4,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2024% | 2,786 |
| Memoranda: | ||
| Average total assets | $4,093,802,000 | 318 |
| Average earning assets | $3,769,215,750 | 307 |
| Average equity | $436,355,500 | 299 |
| Average total loans | $3,156,358,500 | 293 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3659% | 2,969 |
| Cost of funding earning assets | 1.3400% | 1,612 |
| Net interest margin | 3.0259% | 3,366 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 2.2135% | 3,033 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.7344% | 3,258 |
| Return on assets (ROA) | 0.7346% | 3,268 |
| Pretax return on assets | 1.0098% | 2,884 |
| Return on Equity (ROE) | 6.6500% | 3,554 |
| Retained earnings to average equity (ytd only) | 1.5599% | 3,816 |
| Net charge-offs to loans | 0.0053% | 2,073 |
| Credit loss provision to net charge-offs | 2,357.1429% | 230 |
| Earnings coverage of net charge-offs (x) | 283.4143% | 473 |
| Efficiency ratio | 65.0149% | 2,374 |
| Assets per employee ($millions) | 7.6149% | 1,530 |
| Cash dividends to net income (ytd only)* | 76.5345% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0512% | 3,182 |
| Loan loss allowance to noncurrent loans | 577.0485% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.1431% | 2,549 |
| Noncurrent loans to loans | 0.1822% | 2,564 |
| Net loans and leases to total assets | 75.0300% | 1,159 |
| Net loans and leases to deposits | 92.5950% | 978 |
| Net loans and leases to core deposits | 97.7090% | 1,367 |
| Total domestic deposits to total assets | 81.0300% | 3,429 |
| Equity capital to assets | 10.7503% | 1,489 |
| Core capital (leverage) ratio | 9.3793% | 3,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1520% | 2,235 |
| Memoranda: | ||
| Average total assets | $3,557,432,667 | 344 |
| Average earning assets | $3,284,286,000 | 332 |
| Average equity | $393,097,667 | 309 |
| Average total loans | $2,664,206,000 | 316 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3186% | 2,754 |
| Cost of funding earning assets | 1.0644% | 1,851 |
| Net interest margin | 3.2541% | 2,981 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 2.1810% | 3,145 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 0.8814% | 2,916 |
| Return on assets (ROA) | 0.8829% | 2,866 |
| Pretax return on assets | 1.2152% | 2,388 |
| Return on Equity (ROE) | 7.8800% | 3,317 |
| Retained earnings to average equity (ytd only) | 3.8183% | 3,320 |
| Net charge-offs to loans | 0.0031% | 1,901 |
| Credit loss provision to net charge-offs | 5,250.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 593.9000% | 191 |
| Efficiency ratio | 60.3253% | 2,919 |
| Assets per employee ($millions) | 7.5974% | 1,562 |
| Cash dividends to net income (ytd only)* | 51.5398% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0652% | 3,232 |
| Loan loss allowance to noncurrent loans | 949.4330% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.0894% | 2,921 |
| Noncurrent loans to loans | 0.1122% | 2,960 |
| Net loans and leases to total assets | 74.3500% | 1,157 |
| Net loans and leases to deposits | 88.0090% | 1,208 |
| Net loans and leases to core deposits | 91.1358% | 1,555 |
| Total domestic deposits to total assets | 84.4800% | 2,976 |
| Equity capital to assets | 11.0360% | 1,327 |
| Core capital (leverage) ratio | 9.6434% | 3,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3813% | 2,229 |
| Memoranda: | ||
| Average total assets | $3,516,189,500 | 358 |
| Average earning assets | $3,247,558,500 | 344 |
| Average equity | $393,995,500 | 319 |
| Average total loans | $2,616,275,000 | 330 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5432% | 2,961 |
| Cost of funding earning assets | 0.3141% | 2,762 |
| Net interest margin | 3.2291% | 2,773 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.1782% | 3,079 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.0079% | 2,539 |
| Return on assets (ROA) | 1.0043% | 2,495 |
| Pretax return on assets | 1.3488% | 1,939 |
| Return on Equity (ROE) | 9.0800% | 3,112 |
| Retained earnings to average equity (ytd only) | 7.6477% | 1,972 |
| Net charge-offs to loans | -0.0334% | 4,228 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.1225% | 3,175 |
| Assets per employee ($millions) | 7.5582% | 1,578 |
| Cash dividends to net income (ytd only)* | 15.8060% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6500% | 4,289 |
| Loan loss allowance to noncurrent loans | 337.0393% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 2,501 |
| Noncurrent loans to loans | 0.1929% | 2,516 |
| Net loans and leases to total assets | 73.1600% | 1,293 |
| Net loans and leases to deposits | 84.2524% | 1,449 |
| Net loans and leases to core deposits | 86.3727% | 1,723 |
| Total domestic deposits to total assets | 86.8400% | 2,445 |
| Equity capital to assets | 11.3782% | 1,120 |
| Core capital (leverage) ratio | 9.9151% | 2,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4656% | 2,180 |
| Memoranda: | ||
| Average total assets | $3,464,813,200 | 348 |
| Average earning assets | $3,213,048,400 | 339 |
| Average equity | $383,081,600 | 320 |
| Average total loans | $2,318,680,200 | 334 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3829% | 2,963 |
| Cost of funding earning assets | 0.2271% | 2,959 |
| Net interest margin | 3.1557% | 2,759 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.1666% | 3,017 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.9587% | 2,630 |
| Return on assets (ROA) | 0.9538% | 2,619 |
| Pretax return on assets | 1.2898% | 2,081 |
| Return on Equity (ROE) | 8.6900% | 3,117 |
| Retained earnings to average equity (ytd only) | 6.7603% | 2,458 |
| Net charge-offs to loans | -0.0507% | 4,314 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.8895% | 3,126 |
| Assets per employee ($millions) | 7.6262% | 1,533 |
| Cash dividends to net income (ytd only)* | 22.2088% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6753% | 4,295 |
| Loan loss allowance to noncurrent loans | 428.3421% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.1157% | 2,807 |
| Noncurrent loans to loans | 0.1577% | 2,821 |
| Net loans and leases to total assets | 69.3000% | 1,541 |
| Net loans and leases to deposits | 78.8773% | 1,647 |
| Net loans and leases to core deposits | 80.7280% | 1,853 |
| Total domestic deposits to total assets | 87.8500% | 2,471 |
| Equity capital to assets | 11.1386% | 1,130 |
| Core capital (leverage) ratio | 9.5923% | 2,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7085% | 2,167 |
| Memoranda: | ||
| Average total assets | $3,461,822,750 | 351 |
| Average earning assets | $3,214,854,250 | 339 |
| Average equity | $379,953,500 | 325 |
| Average total loans | $2,258,261,500 | 338 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1613% | 3,162 |
| Cost of funding earning assets | 0.1798% | 3,185 |
| Net interest margin | 2.9815% | 2,934 |
| Noninterest income to average assets | 0.6141% | 1,680 |
| Noninterest expense to average assets | 2.2060% | 2,835 |
| Loan and lease loss provision to assets | 0.0462% | 1,740 |
| Net operating income to assets | 0.8433% | 2,804 |
| Return on assets (ROA) | 0.8383% | 2,798 |
| Pretax return on assets | 1.1321% | 2,298 |
| Return on Equity (ROE) | 7.6762% | 3,108 |
| Retained earnings to average equity (ytd only) | 6.0903% | 2,306 |
| Net charge-offs to loans | -0.0670% | 4,335 |
| Credit loss provision to net charge-offs | -108.2544% | 3,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3133% | 2,866 |
| Assets per employee ($millions) | 7.8750% | 1,366 |
| Cash dividends to net income (ytd only)* | 20.6597% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6815% | 4,363 |
| Loan loss allowance to noncurrent loans | 404.9961% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.1168% | 2,886 |
| Noncurrent loans to loans | 0.1683% | 2,852 |
| Net loans and leases to total assets | 65.5672% | 1,751 |
| Net loans and leases to deposits | 74.5766% | 1,797 |
| Net loans and leases to core deposits | 76.3804% | 1,984 |
| Total domestic deposits to total assets | 87.9193% | 2,606 |
| Equity capital to assets | 11.0476% | 1,190 |
| Core capital (leverage) ratio | 9.4531% | 2,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0503% | 2,042 |
| Memoranda: | ||
| Average total assets | $3,464,203,667 | 345 |
| Average earning assets | $3,225,896,333 | 339 |
| Average equity | $378,337,333 | 327 |
| Average total loans | $2,207,607,000 | 336 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0020% | 3,253 |
| Cost of funding earning assets | 0.1697% | 3,224 |
| Net interest margin | 2.8323% | 3,037 |
| Noninterest income to average assets | 0.6357% | 1,551 |
| Noninterest expense to average assets | 2.2238% | 2,762 |
| Loan and lease loss provision to assets | 0.0691% | 1,187 |
| Net operating income to assets | 0.7318% | 2,920 |
| Return on assets (ROA) | 0.7254% | 2,950 |
| Pretax return on assets | 0.9758% | 2,517 |
| Return on Equity (ROE) | 6.6802% | 3,134 |
| Retained earnings to average equity (ytd only) | 6.6802% | 2,000 |
| Net charge-offs to loans | -0.0305% | 4,093 |
| Credit loss provision to net charge-offs | -361.4458% | 3,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0509% | 2,767 |
| Assets per employee ($millions) | 7.9030% | 1,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6705% | 4,433 |
| Loan loss allowance to noncurrent loans | 444.8140% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.1107% | 3,034 |
| Noncurrent loans to loans | 0.1507% | 3,052 |
| Net loans and leases to total assets | 62.3887% | 1,808 |
| Net loans and leases to deposits | 70.7720% | 1,883 |
| Net loans and leases to core deposits | 72.5244% | 2,064 |
| Total domestic deposits to total assets | 88.1544% | 2,457 |
| Equity capital to assets | 10.8628% | 1,402 |
| Core capital (leverage) ratio | 9.1432% | 3,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2054% | 2,120 |
| Memoranda: | ||
| Average total assets | $3,475,626,500 | 345 |
| Average earning assets | $3,240,917,000 | 339 |
| Average equity | $377,411,500 | 337 |
| Average total loans | $2,175,468,000 | 342 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1668% | 3,547 |
| Cost of funding earning assets | 0.2021% | 3,439 |
| Net interest margin | 2.9646% | 3,284 |
| Noninterest income to average assets | 0.5602% | 2,320 |
| Noninterest expense to average assets | 2.2631% | 2,907 |
| Loan and lease loss provision to assets | -0.0152% | 4,197 |
| Net operating income to assets | 0.7958% | 3,346 |
| Return on assets (ROA) | 0.7945% | 3,419 |
| Pretax return on assets | 1.0922% | 3,001 |
| Return on Equity (ROE) | 7.7785% | 3,288 |
| Retained earnings to average equity (ytd only) | -2.5851% | 4,644 |
| Net charge-offs to loans | -0.0258% | 4,068 |
| Credit loss provision to net charge-offs | 86.4734% | 1,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7908% | 2,148 |
| Assets per employee ($millions) | 7.6175% | 1,545 |
| Cash dividends to net income (ytd only)* | 133.2339% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6469% | 4,496 |
| Loan loss allowance to noncurrent loans | 423.4437% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 3,157 |
| Noncurrent loans to loans | 0.1528% | 3,174 |
| Net loans and leases to total assets | 61.9269% | 1,949 |
| Net loans and leases to deposits | 70.4380% | 2,085 |
| Net loans and leases to core deposits | 72.2445% | 2,239 |
| Total domestic deposits to total assets | 87.9168% | 2,092 |
| Equity capital to assets | 10.8466% | 1,906 |
| Core capital (leverage) ratio | 9.4663% | 2,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5288% | 2,043 |
| Memoranda: | ||
| Average total assets | $2,361,668,800 | 455 |
| Average earning assets | $2,215,803,400 | 449 |
| Average equity | $241,228,000 | 464 |
| Average total loans | $1,607,741,200 | 439 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2466% | 3,523 |
| Cost of funding earning assets | 0.2171% | 3,450 |
| Net interest margin | 3.0295% | 3,233 |
| Noninterest income to average assets | 0.5322% | 2,488 |
| Noninterest expense to average assets | 2.0351% | 3,572 |
| Loan and lease loss provision to assets | 0.0872% | 1,359 |
| Net operating income to assets | 0.9250% | 3,166 |
| Return on assets (ROA) | 0.9239% | 3,241 |
| Pretax return on assets | 1.2558% | 2,754 |
| Return on Equity (ROE) | 9.2831% | 3,009 |
| Retained earnings to average equity (ytd only) | 9.2831% | 1,580 |
| Net charge-offs to loans | -0.0247% | 4,054 |
| Credit loss provision to net charge-offs | -501.8382% | 3,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5528% | 3,059 |
| Assets per employee ($millions) | 7.6859% | 1,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0385% | 3,714 |
| Loan loss allowance to noncurrent loans | 369.2033% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.1951% | 2,818 |
| Noncurrent loans to loans | 0.2813% | 2,791 |
| Net loans and leases to total assets | 65.4690% | 1,600 |
| Net loans and leases to deposits | 73.0012% | 1,961 |
| Net loans and leases to core deposits | 74.9508% | 2,144 |
| Total domestic deposits to total assets | 89.6820% | 924 |
| Equity capital to assets | 9.4982% | 3,372 |
| Core capital (leverage) ratio | 9.0377% | 3,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9397% | 2,387 |
| Memoranda: | ||
| Average total assets | $2,087,494,250 | 515 |
| Average earning assets | $1,961,929,000 | 509 |
| Average equity | $207,756,000 | 521 |
| Average total loans | $1,470,776,000 | 480 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2392% | 3,590 |
| Cost of funding earning assets | 0.2353% | 3,428 |
| Net interest margin | 3.0039% | 3,311 |
| Noninterest income to average assets | 0.5333% | 2,474 |
| Noninterest expense to average assets | 2.0165% | 3,652 |
| Loan and lease loss provision to assets | 0.1059% | 1,183 |
| Net operating income to assets | 0.9061% | 3,200 |
| Return on assets (ROA) | 0.9045% | 3,284 |
| Pretax return on assets | 1.2295% | 2,832 |
| Return on Equity (ROE) | 8.9368% | 3,112 |
| Retained earnings to average equity (ytd only) | 8.9368% | 1,729 |
| Net charge-offs to loans | -0.0171% | 3,917 |
| Credit loss provision to net charge-offs | -860.0000% | 3,614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4008% | 3,095 |
| Assets per employee ($millions) | 7.3332% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0247% | 3,746 |
| Loan loss allowance to noncurrent loans | 321.0896% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.2313% | 2,770 |
| Noncurrent loans to loans | 0.3191% | 2,773 |
| Net loans and leases to total assets | 68.7649% | 1,355 |
| Net loans and leases to deposits | 77.0472% | 1,723 |
| Net loans and leases to core deposits | 79.0579% | 1,955 |
| Total domestic deposits to total assets | 89.2504% | 1,164 |
| Equity capital to assets | 9.8957% | 2,949 |
| Core capital (leverage) ratio | 9.3179% | 3,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2091% | 2,284 |
| Memoranda: | ||
| Average total assets | $2,030,107,667 | 520 |
| Average earning assets | $1,906,307,333 | 514 |
| Average equity | $205,465,667 | 525 |
| Average total loans | $1,462,735,667 | 484 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2925% | 3,465 |
| Cost of funding earning assets | 0.2543% | 3,433 |
| Net interest margin | 3.0383% | 3,162 |
| Noninterest income to average assets | 0.5133% | 2,552 |
| Noninterest expense to average assets | 2.0351% | 3,606 |
| Loan and lease loss provision to assets | 0.0856% | 1,530 |
| Net operating income to assets | 0.9163% | 3,088 |
| Return on assets (ROA) | 0.9134% | 3,172 |
| Pretax return on assets | 1.2416% | 2,731 |
| Return on Equity (ROE) | 8.9191% | 3,058 |
| Retained earnings to average equity (ytd only) | 8.9191% | 1,973 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7079% | 3,065 |
| Assets per employee ($millions) | 7.0538% | 1,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9793% | 3,922 |
| Loan loss allowance to noncurrent loans | 235.8767% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.3077% | 2,598 |
| Noncurrent loans to loans | 0.4152% | 2,610 |
| Net loans and leases to total assets | 70.9923% | 1,157 |
| Net loans and leases to deposits | 79.8190% | 1,535 |
| Net loans and leases to core deposits | 81.8328% | 1,853 |
| Total domestic deposits to total assets | 88.9416% | 1,372 |
| Equity capital to assets | 10.0667% | 2,648 |
| Core capital (leverage) ratio | 9.4869% | 3,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4477% | 2,108 |
| Memoranda: | ||
| Average total assets | $1,985,507,000 | 522 |
| Average earning assets | $1,864,221,500 | 519 |
| Average equity | $203,338,500 | 524 |
| Average total loans | $1,457,889,000 | 485 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7142% | 3,542 |
| Cost of funding earning assets | 0.4082% | 3,530 |
| Net interest margin | 3.3060% | 3,055 |
| Noninterest income to average assets | 0.5922% | 2,242 |
| Noninterest expense to average assets | 2.1590% | 3,789 |
| Loan and lease loss provision to assets | 0.2265% | 1,727 |
| Net operating income to assets | 0.9677% | 2,406 |
| Return on assets (ROA) | 0.9849% | 2,491 |
| Pretax return on assets | 1.3137% | 1,928 |
| Return on Equity (ROE) | 8.7984% | 2,472 |
| Retained earnings to average equity (ytd only) | 8.7984% | 822 |
| Net charge-offs to loans | 0.0381% | 2,290 |
| Credit loss provision to net charge-offs | 751.4451% | 953 |
| Earnings coverage of net charge-offs (x) | 50.3719% | 1,194 |
| Efficiency ratio | 57.8678% | 3,739 |
| Assets per employee ($millions) | 6.7333% | 1,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9550% | 4,014 |
| Loan loss allowance to noncurrent loans | 221.8885% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.3239% | 2,696 |
| Noncurrent loans to loans | 0.4304% | 2,688 |
| Net loans and leases to total assets | 74.5351% | 954 |
| Net loans and leases to deposits | 83.8712% | 1,474 |
| Net loans and leases to core deposits | 85.9562% | 1,873 |
| Total domestic deposits to total assets | 88.8685% | 1,042 |
| Equity capital to assets | 10.4251% | 2,736 |
| Core capital (leverage) ratio | 9.7263% | 2,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2507% | 2,143 |
| Memoranda: | ||
| Average total assets | $1,721,684,600 | 549 |
| Average earning assets | $1,606,734,800 | 540 |
| Average equity | $192,728,600 | 520 |
| Average total loans | $1,362,223,400 | 493 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7905% | 3,593 |
| Cost of funding earning assets | 0.4463% | 3,546 |
| Net interest margin | 3.3442% | 3,055 |
| Noninterest income to average assets | 0.5788% | 2,262 |
| Noninterest expense to average assets | 2.1585% | 3,782 |
| Loan and lease loss provision to assets | 0.2277% | 1,783 |
| Net operating income to assets | 0.9756% | 2,430 |
| Return on assets (ROA) | 0.9996% | 2,471 |
| Pretax return on assets | 1.3370% | 1,917 |
| Return on Equity (ROE) | 8.7557% | 2,496 |
| Retained earnings to average equity (ytd only) | 8.7557% | 1,052 |
| Net charge-offs to loans | 0.0577% | 1,781 |
| Credit loss provision to net charge-offs | 491.3793% | 1,301 |
| Earnings coverage of net charge-offs (x) | 33.1121% | 1,509 |
| Efficiency ratio | 57.5727% | 3,726 |
| Assets per employee ($millions) | 6.3226% | 1,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8973% | 4,084 |
| Loan loss allowance to noncurrent loans | 153.2198% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.4585% | 2,348 |
| Noncurrent loans to loans | 0.5856% | 2,334 |
| Net loans and leases to total assets | 77.2314% | 930 |
| Net loans and leases to deposits | 87.2307% | 1,565 |
| Net loans and leases to core deposits | 89.4163% | 2,023 |
| Total domestic deposits to total assets | 88.5370% | 958 |
| Equity capital to assets | 10.8030% | 2,545 |
| Core capital (leverage) ratio | 10.0720% | 2,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2970% | 2,067 |
| Memoranda: | ||
| Average total assets | $1,668,988,250 | 555 |
| Average earning assets | $1,554,096,500 | 550 |
| Average equity | $190,545,250 | 523 |
| Average total loans | $1,339,215,250 | 490 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8993% | 3,618 |
| Cost of funding earning assets | 0.4967% | 3,553 |
| Net interest margin | 3.4026% | 3,090 |
| Noninterest income to average assets | 0.5804% | 2,208 |
| Noninterest expense to average assets | 2.1567% | 3,912 |
| Loan and lease loss provision to assets | 0.1671% | 2,335 |
| Net operating income to assets | 1.0581% | 2,115 |
| Return on assets (ROA) | 1.0951% | 2,105 |
| Pretax return on assets | 1.4651% | 1,542 |
| Return on Equity (ROE) | 9.4018% | 2,199 |
| Retained earnings to average equity (ytd only) | 9.4018% | 908 |
| Net charge-offs to loans | 0.1170% | 1,145 |
| Credit loss provision to net charge-offs | 176.0104% | 2,010 |
| Earnings coverage of net charge-offs (x) | 16.7027% | 1,849 |
| Efficiency ratio | 56.7030% | 3,860 |
| Assets per employee ($millions) | 5.9686% | 2,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7881% | 4,366 |
| Loan loss allowance to noncurrent loans | 90.5084% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.7150% | 1,719 |
| Noncurrent loans to loans | 0.8707% | 1,751 |
| Net loans and leases to total assets | 81.2219% | 476 |
| Net loans and leases to deposits | 92.5403% | 1,089 |
| Net loans and leases to core deposits | 95.0870% | 1,653 |
| Total domestic deposits to total assets | 87.7691% | 1,299 |
| Equity capital to assets | 11.2761% | 2,136 |
| Core capital (leverage) ratio | 10.6645% | 2,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1363% | 2,125 |
| Memoranda: | ||
| Average total assets | $1,616,244,333 | 559 |
| Average earning assets | $1,501,798,000 | 555 |
| Average equity | $188,262,333 | 529 |
| Average total loans | $1,310,965,333 | 493 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0399% | 3,677 |
| Cost of funding earning assets | 0.5966% | 3,452 |
| Net interest margin | 3.4432% | 3,173 |
| Noninterest income to average assets | 0.5984% | 2,052 |
| Noninterest expense to average assets | 2.5668% | 3,083 |
| Loan and lease loss provision to assets | 0.0895% | 2,568 |
| Net operating income to assets | 0.8535% | 2,692 |
| Return on assets (ROA) | 0.8537% | 2,789 |
| Pretax return on assets | 1.1421% | 2,388 |
| Return on Equity (ROE) | 7.2030% | 2,865 |
| Retained earnings to average equity (ytd only) | 7.2030% | 1,469 |
| Net charge-offs to loans | 0.1517% | 852 |
| Credit loss provision to net charge-offs | 73.0689% | 1,965 |
| Earnings coverage of net charge-offs (x) | 10.0564% | 1,786 |
| Efficiency ratio | 66.6128% | 2,872 |
| Assets per employee ($millions) | 5.5311% | 2,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8127% | 4,380 |
| Loan loss allowance to noncurrent loans | 84.6424% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 0.7830% | 1,731 |
| Noncurrent loans to loans | 0.9601% | 1,707 |
| Net loans and leases to total assets | 80.6328% | 614 |
| Net loans and leases to deposits | 93.5086% | 1,122 |
| Net loans and leases to core deposits | 96.3498% | 1,761 |
| Total domestic deposits to total assets | 86.2304% | 1,904 |
| Equity capital to assets | 11.9537% | 2,105 |
| Core capital (leverage) ratio | 10.9219% | 2,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8502% | 2,348 |
| Memoranda: | ||
| Average total assets | $1,564,894,000 | 553 |
| Average earning assets | $1,454,209,000 | 542 |
| Average equity | $185,478,500 | 532 |
| Average total loans | $1,262,823,500 | 489 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2083% | 3,798 |
| Cost of funding earning assets | 0.6821% | 3,251 |
| Net interest margin | 3.5262% | 3,356 |
| Noninterest income to average assets | 0.6348% | 2,073 |
| Noninterest expense to average assets | 2.4296% | 3,618 |
| Loan and lease loss provision to assets | 0.0463% | 3,099 |
| Net operating income to assets | 1.0931% | 2,468 |
| Return on assets (ROA) | 1.0953% | 2,564 |
| Pretax return on assets | 1.4729% | 1,893 |
| Return on Equity (ROE) | 9.7310% | 2,427 |
| Retained earnings to average equity (ytd only) | 9.7310% | 544 |
| Net charge-offs to loans | 0.0437% | 2,516 |
| Credit loss provision to net charge-offs | 130.5970% | 1,953 |
| Earnings coverage of net charge-offs (x) | 42.7985% | 1,251 |
| Efficiency ratio | 60.5559% | 3,614 |
| Assets per employee ($millions) | 5.5677% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8415% | 4,183 |
| Loan loss allowance to noncurrent loans | 88.1756% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 0.7691% | 1,683 |
| Noncurrent loans to loans | 0.9543% | 1,603 |
| Net loans and leases to total assets | 79.4221% | 869 |
| Net loans and leases to deposits | 91.7923% | 1,392 |
| Net loans and leases to core deposits | 94.5019% | 2,021 |
| Total domestic deposits to total assets | 86.5237% | 1,836 |
| Equity capital to assets | 11.7504% | 2,317 |
| Core capital (leverage) ratio | 10.6398% | 2,819 |
| Tier 1 risk-based capital ratio | 13.0047% | 3,792 |
| Total risk-based capital ratio | 13.8659% | 3,883 |
| Memoranda: | ||
| Average total assets | $1,512,703,600 | 546 |
| Average earning assets | $1,420,496,200 | 534 |
| Average equity | $170,260,600 | 539 |
| Average total loans | $1,226,627,800 | 486 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2077% | 3,902 |
| Cost of funding earning assets | 0.6872% | 3,274 |
| Net interest margin | 3.5204% | 3,501 |
| Noninterest income to average assets | 0.6111% | 2,146 |
| Noninterest expense to average assets | 2.4045% | 3,667 |
| Loan and lease loss provision to assets | 0.0444% | 3,021 |
| Net operating income to assets | 1.0972% | 2,578 |
| Return on assets (ROA) | 1.1005% | 2,661 |
| Pretax return on assets | 1.4818% | 2,017 |
| Return on Equity (ROE) | 9.8902% | 2,479 |
| Retained earnings to average equity (ytd only) | 9.8902% | 779 |
| Net charge-offs to loans | 0.0442% | 2,206 |
| Credit loss provision to net charge-offs | 123.4568% | 1,909 |
| Earnings coverage of net charge-offs (x) | 42.3108% | 1,319 |
| Efficiency ratio | 60.1950% | 3,605 |
| Assets per employee ($millions) | 6.0788% | 1,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8452% | 4,259 |
| Loan loss allowance to noncurrent loans | 78.8250% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 0.8524% | 1,605 |
| Noncurrent loans to loans | 1.0722% | 1,482 |
| Net loans and leases to total assets | 78.3866% | 1,079 |
| Net loans and leases to deposits | 91.2805% | 1,533 |
| Net loans and leases to core deposits | 94.5996% | 2,123 |
| Total domestic deposits to total assets | 85.8744% | 2,046 |
| Equity capital to assets | 11.4470% | 2,701 |
| Core capital (leverage) ratio | 10.6474% | 2,978 |
| Tier 1 risk-based capital ratio | 12.8291% | 3,938 |
| Total risk-based capital ratio | 13.6963% | 4,060 |
| Memoranda: | ||
| Average total assets | $1,501,143,250 | 552 |
| Average earning assets | $1,413,727,250 | 538 |
| Average equity | $167,030,000 | 551 |
| Average total loans | $1,221,121,250 | 490 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2035% | 3,920 |
| Cost of funding earning assets | 0.6818% | 3,266 |
| Net interest margin | 3.5217% | 3,527 |
| Noninterest income to average assets | 0.6054% | 2,123 |
| Noninterest expense to average assets | 2.4129% | 3,709 |
| Loan and lease loss provision to assets | 0.0405% | 3,004 |
| Net operating income to assets | 1.0949% | 2,544 |
| Return on assets (ROA) | 1.0993% | 2,592 |
| Pretax return on assets | 1.4868% | 1,902 |
| Return on Equity (ROE) | 9.9806% | 2,397 |
| Retained earnings to average equity (ytd only) | 9.9806% | 761 |
| Net charge-offs to loans | 0.0556% | 1,848 |
| Credit loss provision to net charge-offs | 88.7574% | 2,148 |
| Earnings coverage of net charge-offs (x) | 33.3343% | 1,381 |
| Efficiency ratio | 60.2362% | 3,689 |
| Assets per employee ($millions) | 5.7969% | 1,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8309% | 4,334 |
| Loan loss allowance to noncurrent loans | 68.5583% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 1.0482% | 1,312 |
| Noncurrent loans to loans | 1.2119% | 1,320 |
| Net loans and leases to total assets | 82.8831% | 491 |
| Net loans and leases to deposits | 96.9964% | 931 |
| Net loans and leases to core deposits | 101.2397% | 1,615 |
| Total domestic deposits to total assets | 85.4497% | 2,284 |
| Equity capital to assets | 11.3603% | 2,736 |
| Core capital (leverage) ratio | 10.2900% | 3,297 |
| Tier 1 risk-based capital ratio | 12.1116% | 4,355 |
| Total risk-based capital ratio | 12.9753% | 4,462 |
| Memoranda: | ||
| Average total assets | $1,480,773,330 | 559 |
| Average earning assets | $1,399,895,000 | 544 |
| Average equity | $163,096,330 | 563 |
| Average total loans | $1,216,483,330 | 490 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1960% | 3,887 |
| Cost of funding earning assets | 0.6615% | 3,255 |
| Net interest margin | 3.5344% | 3,485 |
| Noninterest income to average assets | 0.5306% | 2,382 |
| Noninterest expense to average assets | 2.4436% | 3,646 |
| Loan and lease loss provision to assets | 0.0270% | 3,066 |
| Net operating income to assets | 1.0359% | 2,721 |
| Return on assets (ROA) | 1.0406% | 2,733 |
| Pretax return on assets | 1.4078% | 2,055 |
| Return on Equity (ROE) | 9.5989% | 2,548 |
| Retained earnings to average equity (ytd only) | 9.5989% | 1,137 |
| Net charge-offs to loans | 0.0083% | 2,395 |
| Credit loss provision to net charge-offs | 400.0000% | 692 |
| Earnings coverage of net charge-offs (x) | 211.3600% | 366 |
| Efficiency ratio | 61.9693% | 3,537 |
| Assets per employee ($millions) | 5.6730% | 1,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8590% | 4,304 |
| Loan loss allowance to noncurrent loans | 67.6186% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 1.1067% | 1,253 |
| Noncurrent loans to loans | 1.2704% | 1,294 |
| Net loans and leases to total assets | 81.2037% | 684 |
| Net loans and leases to deposits | 95.2527% | 1,036 |
| Net loans and leases to core deposits | 102.4620% | 1,416 |
| Total domestic deposits to total assets | 85.2508% | 2,582 |
| Equity capital to assets | 11.0082% | 2,843 |
| Core capital (leverage) ratio | 10.0310% | 3,571 |
| Tier 1 risk-based capital ratio | 11.9711% | 4,475 |
| Total risk-based capital ratio | 12.8605% | 4,565 |
| Memoranda: | ||
| Average total assets | $1,479,157,500 | 562 |
| Average earning assets | $1,398,586,500 | 543 |
| Average equity | $160,351,000 | 568 |
| Average total loans | $1,204,577,500 | 498 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1430% | 3,609 |
| Cost of funding earning assets | 0.3913% | 4,041 |
| Net interest margin | 3.7518% | 2,848 |
| Noninterest income to average assets | 0.6118% | 2,229 |
| Noninterest expense to average assets | 2.4834% | 3,660 |
| Loan and lease loss provision to assets | 0.1170% | 1,880 |
| Net operating income to assets | 1.1495% | 2,387 |
| Return on assets (ROA) | 1.1492% | 2,389 |
| Pretax return on assets | 1.5526% | 1,616 |
| Return on Equity (ROE) | 10.8585% | 2,145 |
| Retained earnings to average equity (ytd only) | 8.2163% | 1,148 |
| Net charge-offs to loans | 0.0967% | 1,796 |
| Credit loss provision to net charge-offs | 150.5396% | 1,828 |
| Earnings coverage of net charge-offs (x) | 21.4820% | 1,940 |
| Efficiency ratio | 58.3350% | 4,111 |
| Assets per employee ($millions) | 5.6400% | 1,822 |
| Cash dividends to net income (ytd only)* | 24.3324% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8645% | 4,313 |
| Loan loss allowance to noncurrent loans | 61.5875% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 1.2192% | 1,070 |
| Noncurrent loans to loans | 1.4037% | 1,110 |
| Net loans and leases to total assets | 80.2652% | 897 |
| Net loans and leases to deposits | 95.7358% | 1,096 |
| Net loans and leases to core deposits | 103.5793% | 1,447 |
| Total domestic deposits to total assets | 83.8403% | 3,049 |
| Equity capital to assets | 10.6728% | 3,013 |
| Core capital (leverage) ratio | 9.7904% | 3,814 |
| Tier 1 risk-based capital ratio | 11.8362% | 4,544 |
| Total risk-based capital ratio | 12.7344% | 4,635 |
| Memoranda: | ||
| Average total assets | $1,430,446,400 | 560 |
| Average earning assets | $1,350,287,400 | 544 |
| Average equity | $151,393,600 | 565 |
| Average total loans | $1,150,155,600 | 502 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1141% | 3,586 |
| Cost of funding earning assets | 0.3094% | 4,458 |
| Net interest margin | 3.8047% | 2,630 |
| Noninterest income to average assets | 0.6207% | 2,204 |
| Noninterest expense to average assets | 2.5178% | 3,534 |
| Loan and lease loss provision to assets | 0.1141% | 1,777 |
| Net operating income to assets | 1.1667% | 2,379 |
| Return on assets (ROA) | 1.1652% | 2,395 |
| Pretax return on assets | 1.5764% | 1,647 |
| Return on Equity (ROE) | 11.0338% | 2,162 |
| Retained earnings to average equity (ytd only) | 8.3639% | 1,490 |
| Net charge-offs to loans | 0.0781% | 1,739 |
| Credit loss provision to net charge-offs | 182.0090% | 1,485 |
| Earnings coverage of net charge-offs (x) | 26.9970% | 1,718 |
| Efficiency ratio | 58.4727% | 4,047 |
| Assets per employee ($millions) | 5.6682% | 1,756 |
| Cash dividends to net income (ytd only)* | 24.1975% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8741% | 4,363 |
| Loan loss allowance to noncurrent loans | 140.2308% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.6098% | 2,352 |
| Noncurrent loans to loans | 0.6233% | 2,531 |
| Net loans and leases to total assets | 80.3993% | 958 |
| Net loans and leases to deposits | 98.9002% | 870 |
| Net loans and leases to core deposits | 103.9026% | 1,457 |
| Total domestic deposits to total assets | 81.2934% | 3,789 |
| Equity capital to assets | 10.5414% | 3,102 |
| Core capital (leverage) ratio | 9.6151% | 4,038 |
| Tier 1 risk-based capital ratio | 11.7941% | 4,606 |
| Total risk-based capital ratio | 12.7094% | 4,695 |
| Memoranda: | ||
| Average total assets | $1,418,640,750 | 563 |
| Average earning assets | $1,338,406,500 | 548 |
| Average equity | $149,814,750 | 565 |
| Average total loans | $1,138,595,250 | 501 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0523% | 3,607 |
| Cost of funding earning assets | 0.2741% | 4,608 |
| Net interest margin | 3.7781% | 2,644 |
| Noninterest income to average assets | 0.6288% | 2,183 |
| Noninterest expense to average assets | 2.5374% | 3,522 |
| Loan and lease loss provision to assets | 0.1287% | 1,541 |
| Net operating income to assets | 1.1301% | 2,474 |
| Return on assets (ROA) | 1.1299% | 2,480 |
| Pretax return on assets | 1.5267% | 1,723 |
| Return on Equity (ROE) | 10.6929% | 2,236 |
| Retained earnings to average equity (ytd only) | 8.0005% | 1,635 |
| Net charge-offs to loans | 0.1005% | 1,348 |
| Credit loss provision to net charge-offs | 160.1770% | 1,511 |
| Earnings coverage of net charge-offs (x) | 20.6000% | 1,802 |
| Efficiency ratio | 59.4077% | 4,024 |
| Assets per employee ($millions) | 5.6928% | 1,723 |
| Cash dividends to net income (ytd only)* | 25.1794% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8742% | 4,448 |
| Loan loss allowance to noncurrent loans | 149.7854% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.5804% | 2,489 |
| Noncurrent loans to loans | 0.5836% | 2,671 |
| Net loans and leases to total assets | 79.9993% | 1,020 |
| Net loans and leases to deposits | 97.4676% | 999 |
| Net loans and leases to core deposits | 101.9696% | 1,567 |
| Total domestic deposits to total assets | 82.0778% | 3,699 |
| Equity capital to assets | 10.4842% | 3,137 |
| Core capital (leverage) ratio | 9.5587% | 4,050 |
| Tier 1 risk-based capital ratio | 11.4021% | 4,835 |
| Total risk-based capital ratio | 12.2940% | 4,927 |
| Memoranda: | ||
| Average total assets | $1,405,945,000 | 566 |
| Average earning assets | $1,326,364,670 | 555 |
| Average equity | $148,566,330 | 566 |
| Average total loans | $1,124,284,670 | 506 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0116% | 3,563 |
| Cost of funding earning assets | 0.2355% | 4,797 |
| Net interest margin | 3.7761% | 2,519 |
| Noninterest income to average assets | 0.6177% | 2,180 |
| Noninterest expense to average assets | 2.6559% | 3,173 |
| Loan and lease loss provision to assets | 0.1406% | 1,341 |
| Net operating income to assets | 1.0216% | 2,770 |
| Return on assets (ROA) | 1.0175% | 2,811 |
| Pretax return on assets | 1.3788% | 2,077 |
| Return on Equity (ROE) | 9.5904% | 2,641 |
| Retained earnings to average equity (ytd only) | 9.5904% | 1,287 |
| Net charge-offs to loans | 0.1744% | 833 |
| Credit loss provision to net charge-offs | 101.2422% | 1,526 |
| Earnings coverage of net charge-offs (x) | 10.9814% | 1,874 |
| Efficiency ratio | 62.8507% | 3,660 |
| Assets per employee ($millions) | 6.5393% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8848% | 4,510 |
| Loan loss allowance to noncurrent loans | 140.2829% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.6145% | 2,469 |
| Noncurrent loans to loans | 0.6307% | 2,655 |
| Net loans and leases to total assets | 79.0217% | 1,079 |
| Net loans and leases to deposits | 94.2230% | 1,205 |
| Net loans and leases to core deposits | 96.5629% | 1,938 |
| Total domestic deposits to total assets | 83.8667% | 3,382 |
| Equity capital to assets | 10.5545% | 3,017 |
| Core capital (leverage) ratio | 9.5852% | 3,977 |
| Tier 1 risk-based capital ratio | 11.4920% | 4,862 |
| Total risk-based capital ratio | 12.3921% | 4,958 |
| Memoranda: | ||
| Average total assets | $1,391,627,500 | 577 |
| Average earning assets | $1,312,998,000 | 561 |
| Average equity | $147,647,500 | 572 |
| Average total loans | $1,107,539,500 | 515 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9729% | 3,500 |
| Cost of funding earning assets | 0.1889% | 5,031 |
| Net interest margin | 3.7840% | 2,483 |
| Noninterest income to average assets | 0.6278% | 2,314 |
| Noninterest expense to average assets | 2.5406% | 3,636 |
| Loan and lease loss provision to assets | 0.1799% | 1,198 |
| Net operating income to assets | 0.7743% | 3,276 |
| Return on assets (ROA) | 0.7745% | 3,319 |
| Pretax return on assets | 1.4911% | 1,680 |
| Return on Equity (ROE) | 7.0188% | 3,269 |
| Retained earnings to average equity (ytd only) | 7.0188% | 1,068 |
| Net charge-offs to loans | 0.1250% | 1,799 |
| Credit loss provision to net charge-offs | 185.3560% | 1,463 |
| Earnings coverage of net charge-offs (x) | 17.2152% | 2,144 |
| Efficiency ratio | 59.8997% | 4,282 |
| Assets per employee ($millions) | 6.4967% | 1,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8939% | 4,500 |
| Loan loss allowance to noncurrent loans | 174.3494% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.5376% | 2,766 |
| Noncurrent loans to loans | 0.5127% | 2,979 |
| Net loans and leases to total assets | 78.7316% | 1,180 |
| Net loans and leases to deposits | 90.0501% | 1,769 |
| Net loans and leases to core deposits | 92.5397% | 2,323 |
| Total domestic deposits to total assets | 87.4309% | 1,799 |
| Equity capital to assets | 10.6661% | 2,977 |
| Core capital (leverage) ratio | 9.4415% | 4,115 |
| Tier 1 risk-based capital ratio | 11.4492% | 4,885 |
| Total risk-based capital ratio | 12.3599% | 4,967 |
| Memoranda: | ||
| Average total assets | $1,273,717,800 | 599 |
| Average earning assets | $1,206,144,800 | 585 |
| Average equity | $140,551,400 | 578 |
| Average total loans | $988,478,200 | 549 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9310% | 3,580 |
| Cost of funding earning assets | 0.1890% | 5,060 |
| Net interest margin | 3.7419% | 2,608 |
| Noninterest income to average assets | 0.6093% | 2,429 |
| Noninterest expense to average assets | 2.5510% | 3,564 |
| Loan and lease loss provision to assets | 0.1866% | 1,051 |
| Net operating income to assets | 0.8536% | 3,258 |
| Return on assets (ROA) | 0.8539% | 3,304 |
| Pretax return on assets | 1.4212% | 2,056 |
| Return on Equity (ROE) | 7.6680% | 3,311 |
| Retained earnings to average equity (ytd only) | 7.6680% | 1,360 |
| Net charge-offs to loans | 0.1631% | 1,264 |
| Credit loss provision to net charge-offs | 148.3432% | 1,707 |
| Earnings coverage of net charge-offs (x) | 12.7800% | 2,402 |
| Efficiency ratio | 61.0093% | 4,041 |
| Assets per employee ($millions) | 6.3552% | 1,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8871% | 4,618 |
| Loan loss allowance to noncurrent loans | 147.6803% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.5958% | 2,727 |
| Noncurrent loans to loans | 0.6007% | 2,905 |
| Net loans and leases to total assets | 76.3636% | 1,524 |
| Net loans and leases to deposits | 85.9751% | 2,295 |
| Net loans and leases to core deposits | 88.5132% | 2,723 |
| Total domestic deposits to total assets | 88.8206% | 963 |
| Equity capital to assets | 10.7391% | 3,128 |
| Core capital (leverage) ratio | 9.3060% | 4,402 |
| Tier 1 risk-based capital ratio | 11.6024% | 4,879 |
| Total risk-based capital ratio | 12.4955% | 5,008 |
| Memoranda: | ||
| Average total assets | $1,247,821,750 | 611 |
| Average earning assets | $1,183,497,500 | 594 |
| Average equity | $138,963,250 | 590 |
| Average total loans | $962,059,500 | 564 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8048% | 3,874 |
| Cost of funding earning assets | 0.1851% | 5,104 |
| Net interest margin | 3.6197% | 2,951 |
| Noninterest income to average assets | 0.6128% | 2,395 |
| Noninterest expense to average assets | 2.5599% | 3,552 |
| Loan and lease loss provision to assets | 0.2315% | 745 |
| Net operating income to assets | 0.7612% | 3,585 |
| Return on assets (ROA) | 0.7612% | 3,634 |
| Pretax return on assets | 1.2658% | 2,513 |
| Return on Equity (ROE) | 6.7452% | 3,695 |
| Retained earnings to average equity (ytd only) | 6.7452% | 1,718 |
| Net charge-offs to loans | 0.2132% | 958 |
| Credit loss provision to net charge-offs | 140.8040% | 1,585 |
| Earnings coverage of net charge-offs (x) | 9.1075% | 2,464 |
| Efficiency ratio | 62.9607% | 3,828 |
| Assets per employee ($millions) | 5.5890% | 1,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8820% | 4,707 |
| Loan loss allowance to noncurrent loans | 122.2326% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.7256% | 2,393 |
| Noncurrent loans to loans | 0.7216% | 2,586 |
| Net loans and leases to total assets | 76.1914% | 1,520 |
| Net loans and leases to deposits | 85.5921% | 2,275 |
| Net loans and leases to core deposits | 89.0845% | 2,605 |
| Total domestic deposits to total assets | 89.0169% | 943 |
| Equity capital to assets | 10.6088% | 3,216 |
| Core capital (leverage) ratio | 9.9748% | 3,568 |
| Tier 1 risk-based capital ratio | 11.5390% | 4,934 |
| Total risk-based capital ratio | 12.4397% | 5,041 |
| Memoranda: | ||
| Average total assets | $1,210,424,330 | 628 |
| Average earning assets | $1,151,799,000 | 607 |
| Average equity | $136,600,000 | 598 |
| Average total loans | $933,462,670 | 576 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8163% | 3,707 |
| Cost of funding earning assets | 0.1886% | 5,079 |
| Net interest margin | 3.6277% | 2,788 |
| Noninterest income to average assets | 0.6325% | 2,254 |
| Noninterest expense to average assets | 2.6241% | 3,397 |
| Loan and lease loss provision to assets | 0.1499% | 1,241 |
| Net operating income to assets | 0.7971% | 3,233 |
| Return on assets (ROA) | 0.7971% | 3,286 |
| Pretax return on assets | 1.3270% | 2,148 |
| Return on Equity (ROE) | 6.8219% | 3,483 |
| Retained earnings to average equity (ytd only) | 6.8219% | 1,922 |
| Net charge-offs to loans | 0.1029% | 1,348 |
| Credit loss provision to net charge-offs | 188.5463% | 1,051 |
| Earnings coverage of net charge-offs (x) | 18.5771% | 1,561 |
| Efficiency ratio | 63.9880% | 3,838 |
| Assets per employee ($millions) | 5.6995% | 1,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 4,289 |
| Loan loss allowance to noncurrent loans | 100.9043% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 0.9729% | 1,882 |
| Noncurrent loans to loans | 0.9911% | 2,065 |
| Net loans and leases to total assets | 76.7587% | 1,295 |
| Net loans and leases to deposits | 87.9043% | 1,815 |
| Net loans and leases to core deposits | 92.1445% | 2,147 |
| Total domestic deposits to total assets | 87.3208% | 2,062 |
| Equity capital to assets | 12.1727% | 1,724 |
| Core capital (leverage) ratio | 12.2198% | 1,491 |
| Tier 1 risk-based capital ratio | 15.0521% | 2,943 |
| Total risk-based capital ratio | 16.0672% | 2,983 |
| Memoranda: | ||
| Average total assets | $1,142,162,500 | 660 |
| Average earning assets | $1,092,047,500 | 635 |
| Average equity | $133,452,500 | 613 |
| Average total loans | $882,498,500 | 606 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8206% | 3,832 |
| Cost of funding earning assets | 0.2269% | 4,764 |
| Net interest margin | 3.5937% | 3,085 |
| Noninterest income to average assets | 0.6786% | 2,269 |
| Noninterest expense to average assets | 2.5860% | 3,717 |
| Loan and lease loss provision to assets | 0.1655% | 1,485 |
| Net operating income to assets | 0.8153% | 3,234 |
| Return on assets (ROA) | 0.8170% | 3,334 |
| Pretax return on assets | 1.3442% | 2,120 |
| Return on Equity (ROE) | 7.3680% | 3,285 |
| Retained earnings to average equity (ytd only) | 6.8188% | 1,301 |
| Net charge-offs to loans | 0.1731% | 1,580 |
| Credit loss provision to net charge-offs | 128.5118% | 2,085 |
| Earnings coverage of net charge-offs (x) | 11.7017% | 2,515 |
| Efficiency ratio | 63.1802% | 4,077 |
| Assets per employee ($millions) | 7.3098% | 796 |
| Cash dividends to net income (ytd only)* | 7.4545% | 4,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 4,325 |
| Loan loss allowance to noncurrent loans | 97.0418% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 1.0122% | 1,870 |
| Noncurrent loans to loans | 1.0308% | 2,020 |
| Net loans and leases to total assets | 76.2226% | 1,478 |
| Net loans and leases to deposits | 86.3547% | 2,123 |
| Net loans and leases to core deposits | 90.8161% | 2,424 |
| Total domestic deposits to total assets | 88.2669% | 1,502 |
| Equity capital to assets | 11.1878% | 2,435 |
| Core capital (leverage) ratio | 10.8817% | 2,455 |
| Tier 1 risk-based capital ratio | 13.8434% | 3,551 |
| Total risk-based capital ratio | 14.8632% | 3,606 |
| Memoranda: | ||
| Average total assets | $1,116,565,200 | 644 |
| Average earning assets | $1,060,853,600 | 621 |
| Average equity | $123,805,200 | 645 |
| Average total loans | $830,520,200 | 613 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7976% | 3,929 |
| Cost of funding earning assets | 0.2358% | 4,743 |
| Net interest margin | 3.5619% | 3,226 |
| Noninterest income to average assets | 0.6685% | 2,322 |
| Noninterest expense to average assets | 2.6199% | 3,594 |
| Loan and lease loss provision to assets | 0.1714% | 1,325 |
| Net operating income to assets | 0.7814% | 3,447 |
| Return on assets (ROA) | 0.7837% | 3,582 |
| Pretax return on assets | 1.2598% | 2,575 |
| Return on Equity (ROE) | 7.0844% | 3,518 |
| Retained earnings to average equity (ytd only) | 6.6727% | 1,799 |
| Net charge-offs to loans | 0.1840% | 1,272 |
| Credit loss provision to net charge-offs | 126.3251% | 2,007 |
| Earnings coverage of net charge-offs (x) | 10.5221% | 2,563 |
| Efficiency ratio | 64.7290% | 3,805 |
| Assets per employee ($millions) | 8.4962% | 483 |
| Cash dividends to net income (ytd only)* | 5.8112% | 3,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 4,406 |
| Loan loss allowance to noncurrent loans | 74.5543% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 1.2169% | 1,632 |
| Noncurrent loans to loans | 1.3414% | 1,645 |
| Net loans and leases to total assets | 75.4619% | 1,621 |
| Net loans and leases to deposits | 85.7041% | 2,291 |
| Net loans and leases to core deposits | 90.0840% | 2,567 |
| Total domestic deposits to total assets | 88.0494% | 1,378 |
| Equity capital to assets | 11.2098% | 2,789 |
| Core capital (leverage) ratio | 10.5795% | 2,899 |
| Tier 1 risk-based capital ratio | 13.5761% | 3,816 |
| Total risk-based capital ratio | 14.5998% | 3,865 |
| Memoranda: | ||
| Average total assets | $1,112,450,000 | 648 |
| Average earning assets | $1,055,304,000 | 622 |
| Average equity | $123,066,250 | 653 |
| Average total loans | $820,063,250 | 617 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0241% | 3,166 |
| Cost of funding earning assets | 0.2507% | 4,651 |
| Net interest margin | 3.7733% | 2,430 |
| Noninterest income to average assets | 0.9845% | 1,156 |
| Noninterest expense to average assets | 3.1440% | 1,945 |
| Loan and lease loss provision to assets | 0.0608% | 2,922 |
| Net operating income to assets | 0.8117% | 3,257 |
| Return on assets (ROA) | 0.8117% | 3,388 |
| Pretax return on assets | 1.3003% | 2,409 |
| Return on Equity (ROE) | 7.7117% | 3,137 |
| Retained earnings to average equity (ytd only) | 7.7117% | 1,284 |
| Net charge-offs to loans | 0.1023% | 1,807 |
| Credit loss provision to net charge-offs | 80.2139% | 2,364 |
| Earnings coverage of net charge-offs (x) | 17.9519% | 1,852 |
| Efficiency ratio | 69.7867% | 3,014 |
| Assets per employee ($millions) | 4.6637% | 2,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0184% | 4,414 |
| Loan loss allowance to noncurrent loans | 420.4819% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.4252% | 3,801 |
| Noncurrent loans to loans | 0.2422% | 4,482 |
| Net loans and leases to total assets | 74.7709% | 1,691 |
| Net loans and leases to deposits | 84.8130% | 2,369 |
| Net loans and leases to core deposits | 88.4365% | 2,688 |
| Total domestic deposits to total assets | 88.1597% | 1,347 |
| Equity capital to assets | 10.6360% | 3,486 |
| Core capital (leverage) ratio | 10.2759% | 3,240 |
| Tier 1 risk-based capital ratio | 13.5282% | 3,884 |
| Total risk-based capital ratio | 14.5733% | 3,921 |
| Memoranda: | ||
| Average total assets | $493,259,670 | 1,402 |
| Average earning assets | $460,231,330 | 1,387 |
| Average equity | $51,921,330 | 1,485 |
| Average total loans | $365,492,670 | 1,282 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0043% | 3,210 |
| Cost of funding earning assets | 0.2568% | 4,633 |
| Net interest margin | 3.7474% | 2,491 |
| Noninterest income to average assets | 0.9527% | 1,178 |
| Noninterest expense to average assets | 3.1673% | 1,912 |
| Loan and lease loss provision to assets | 0.0612% | 2,720 |
| Net operating income to assets | 0.7578% | 3,448 |
| Return on assets (ROA) | 0.7578% | 3,556 |
| Pretax return on assets | 1.2113% | 2,655 |
| Return on Equity (ROE) | 7.2374% | 3,323 |
| Retained earnings to average equity (ytd only) | 7.2374% | 1,775 |
| Net charge-offs to loans | 0.1690% | 1,128 |
| Credit loss provision to net charge-offs | 49.3421% | 2,058 |
| Earnings coverage of net charge-offs (x) | 10.2632% | 1,933 |
| Efficiency ratio | 71.3393% | 2,896 |
| Assets per employee ($millions) | 5.2962% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 4,326 |
| Loan loss allowance to noncurrent loans | 715.4426% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.7575% | 2,808 |
| Noncurrent loans to loans | 0.1470% | 4,886 |
| Net loans and leases to total assets | 72.5610% | 1,942 |
| Net loans and leases to deposits | 82.0744% | 2,533 |
| Net loans and leases to core deposits | 85.6050% | 2,784 |
| Total domestic deposits to total assets | 88.4087% | 1,403 |
| Equity capital to assets | 10.5376% | 3,442 |
| Core capital (leverage) ratio | 10.0916% | 3,430 |
| Tier 1 risk-based capital ratio | 13.7130% | 3,857 |
| Total risk-based capital ratio | 14.7847% | 3,886 |
| Memoranda: | ||
| Average total assets | $490,382,000 | 1,414 |
| Average earning assets | $456,311,500 | 1,402 |
| Average equity | $51,344,500 | 1,495 |
| Average total loans | $359,760,500 | 1,297 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0061% | 3,288 |
| Cost of funding earning assets | 0.2920% | 4,344 |
| Net interest margin | 3.7141% | 2,699 |
| Noninterest income to average assets | 0.9235% | 1,370 |
| Noninterest expense to average assets | 3.1800% | 2,009 |
| Loan and lease loss provision to assets | 0.0515% | 3,291 |
| Net operating income to assets | 0.7184% | 3,717 |
| Return on assets (ROA) | 0.7184% | 3,827 |
| Pretax return on assets | 1.1444% | 2,864 |
| Return on Equity (ROE) | 7.0834% | 3,471 |
| Retained earnings to average equity (ytd only) | 6.5149% | 1,532 |
| Net charge-offs to loans | 0.0201% | 3,867 |
| Credit loss provision to net charge-offs | 362.3188% | 820 |
| Earnings coverage of net charge-offs (x) | 84.1739% | 670 |
| Efficiency ratio | 72.6708% | 2,794 |
| Assets per employee ($millions) | 5.0332% | 2,332 |
| Cash dividends to net income (ytd only)* | 8.0252% | 4,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0817% | 4,139 |
| Loan loss allowance to noncurrent loans | 1,938.0000% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.7687% | 2,758 |
| Noncurrent loans to loans | 0.0558% | 5,296 |
| Net loans and leases to total assets | 72.6007% | 1,956 |
| Net loans and leases to deposits | 81.9842% | 2,584 |
| Net loans and leases to core deposits | 85.5340% | 2,827 |
| Total domestic deposits to total assets | 88.5546% | 1,349 |
| Equity capital to assets | 10.4025% | 3,485 |
| Core capital (leverage) ratio | 9.8788% | 3,672 |
| Tier 1 risk-based capital ratio | 13.5631% | 3,972 |
| Total risk-based capital ratio | 14.6656% | 3,989 |
| Memoranda: | ||
| Average total assets | $485,660,800 | 1,387 |
| Average earning assets | $451,437,800 | 1,371 |
| Average equity | $49,256,000 | 1,513 |
| Average total loans | $344,083,800 | 1,310 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9637% | 3,484 |
| Cost of funding earning assets | 0.2973% | 4,371 |
| Net interest margin | 3.6664% | 2,904 |
| Noninterest income to average assets | 0.9085% | 1,429 |
| Noninterest expense to average assets | 3.2064% | 1,952 |
| Loan and lease loss provision to assets | 0.0687% | 2,801 |
| Net operating income to assets | 0.6526% | 4,118 |
| Return on assets (ROA) | 0.6526% | 4,228 |
| Pretax return on assets | 1.0405% | 3,458 |
| Return on Equity (ROE) | 6.4764% | 3,925 |
| Retained earnings to average equity (ytd only) | 5.7126% | 2,432 |
| Net charge-offs to loans | 0.0775% | 2,449 |
| Credit loss provision to net charge-offs | 126.2626% | 1,914 |
| Earnings coverage of net charge-offs (x) | 20.3791% | 1,875 |
| Efficiency ratio | 74.2977% | 2,506 |
| Assets per employee ($millions) | 4.9448% | 2,367 |
| Cash dividends to net income (ytd only)* | 11.7943% | 3,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0409% | 4,520 |
| Loan loss allowance to noncurrent loans | 148.0443% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.9332% | 2,526 |
| Noncurrent loans to loans | 0.7031% | 3,222 |
| Net loans and leases to total assets | 73.5137% | 1,818 |
| Net loans and leases to deposits | 83.6808% | 2,445 |
| Net loans and leases to core deposits | 87.6463% | 2,691 |
| Total domestic deposits to total assets | 87.8502% | 1,635 |
| Equity capital to assets | 10.3027% | 3,814 |
| Core capital (leverage) ratio | 9.6686% | 4,080 |
| Tier 1 risk-based capital ratio | 13.1337% | 4,357 |
| Total risk-based capital ratio | 14.1910% | 4,386 |
| Memoranda: | ||
| Average total assets | $485,020,750 | 1,391 |
| Average earning assets | $450,717,250 | 1,382 |
| Average equity | $48,873,250 | 1,536 |
| Average total loans | $340,522,750 | 1,322 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9381% | 3,543 |
| Cost of funding earning assets | 0.2993% | 4,404 |
| Net interest margin | 3.6388% | 2,946 |
| Noninterest income to average assets | 0.8888% | 1,475 |
| Noninterest expense to average assets | 3.1960% | 1,995 |
| Loan and lease loss provision to assets | 0.0783% | 2,555 |
| Net operating income to assets | 0.6258% | 4,231 |
| Return on assets (ROA) | 0.6258% | 4,344 |
| Pretax return on assets | 0.9918% | 3,616 |
| Return on Equity (ROE) | 6.2569% | 4,010 |
| Retained earnings to average equity (ytd only) | 6.2569% | 2,087 |
| Net charge-offs to loans | 0.1066% | 1,930 |
| Credit loss provision to net charge-offs | 106.7416% | 1,963 |
| Earnings coverage of net charge-offs (x) | 14.5843% | 2,047 |
| Efficiency ratio | 74.9155% | 2,551 |
| Assets per employee ($millions) | 4.9602% | 2,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 4,316 |
| Loan loss allowance to noncurrent loans | 313.3559% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.5633% | 3,730 |
| Noncurrent loans to loans | 0.3512% | 4,440 |
| Net loans and leases to total assets | 68.5247% | 2,564 |
| Net loans and leases to deposits | 77.2646% | 3,124 |
| Net loans and leases to core deposits | 83.3559% | 3,044 |
| Total domestic deposits to total assets | 88.6884% | 1,305 |
| Equity capital to assets | 10.1238% | 3,903 |
| Core capital (leverage) ratio | 9.7409% | 3,950 |
| Tier 1 risk-based capital ratio | 13.8634% | 3,998 |
| Total risk-based capital ratio | 14.9745% | 4,023 |
| Memoranda: | ||
| Average total assets | $485,164,000 | 1,404 |
| Average earning assets | $450,316,000 | 1,394 |
| Average equity | $48,522,330 | 1,546 |
| Average total loans | $334,034,330 | 1,344 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9037% | 3,588 |
| Cost of funding earning assets | 0.3030% | 4,407 |
| Net interest margin | 3.6007% | 2,999 |
| Noninterest income to average assets | 0.8806% | 1,451 |
| Noninterest expense to average assets | 3.2317% | 1,899 |
| Loan and lease loss provision to assets | 0.1238% | 1,682 |
| Net operating income to assets | 0.5513% | 4,473 |
| Return on assets (ROA) | 0.5513% | 4,585 |
| Pretax return on assets | 0.8690% | 3,997 |
| Return on Equity (ROE) | 5.5462% | 4,259 |
| Retained earnings to average equity (ytd only) | 5.5462% | 2,751 |
| Net charge-offs to loans | 0.1190% | 1,559 |
| Credit loss provision to net charge-offs | 151.5152% | 1,234 |
| Earnings coverage of net charge-offs (x) | 12.1515% | 1,813 |
| Efficiency ratio | 76.4993% | 2,426 |
| Assets per employee ($millions) | 4.8655% | 2,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1135% | 4,438 |
| Loan loss allowance to noncurrent loans | 605.1696% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.6529% | 3,543 |
| Noncurrent loans to loans | 0.1840% | 5,119 |
| Net loans and leases to total assets | 69.0646% | 2,273 |
| Net loans and leases to deposits | 77.8356% | 2,827 |
| Net loans and leases to core deposits | 83.8217% | 2,793 |
| Total domestic deposits to total assets | 88.7314% | 1,436 |
| Equity capital to assets | 10.0948% | 4,027 |
| Core capital (leverage) ratio | 9.5552% | 4,195 |
| Tier 1 risk-based capital ratio | 13.3603% | 4,388 |
| Total risk-based capital ratio | 14.4624% | 4,409 |
| Memoranda: | ||
| Average total assets | $484,695,000 | 1,406 |
| Average earning assets | $450,131,500 | 1,395 |
| Average equity | $48,177,500 | 1,561 |
| Average total loans | $332,648,000 | 1,352 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0092% | 3,695 |
| Cost of funding earning assets | 0.3672% | 4,064 |
| Net interest margin | 3.6420% | 3,252 |
| Noninterest income to average assets | 0.8157% | 1,807 |
| Noninterest expense to average assets | 3.2046% | 2,205 |
| Loan and lease loss provision to assets | 0.0686% | 3,113 |
| Net operating income to assets | 0.5791% | 4,463 |
| Return on assets (ROA) | 0.5822% | 4,536 |
| Pretax return on assets | 0.9180% | 3,838 |
| Return on Equity (ROE) | 5.9616% | 4,169 |
| Retained earnings to average equity (ytd only) | 5.5293% | 2,243 |
| Net charge-offs to loans | 0.0861% | 3,262 |
| Credit loss provision to net charge-offs | 119.9262% | 2,007 |
| Earnings coverage of net charge-offs (x) | 17.1624% | 1,953 |
| Efficiency ratio | 76.5480% | 2,431 |
| Assets per employee ($millions) | 5.0803% | 2,231 |
| Cash dividends to net income (ytd only)* | 7.2516% | 4,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1235% | 4,429 |
| Loan loss allowance to noncurrent loans | 497.9784% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.6844% | 3,523 |
| Noncurrent loans to loans | 0.2256% | 5,017 |
| Net loans and leases to total assets | 66.6758% | 2,771 |
| Net loans and leases to deposits | 74.8201% | 3,334 |
| Net loans and leases to core deposits | 81.0414% | 3,193 |
| Total domestic deposits to total assets | 89.1147% | 1,165 |
| Equity capital to assets | 9.7867% | 4,374 |
| Core capital (leverage) ratio | 9.2505% | 4,605 |
| Tier 1 risk-based capital ratio | 13.5519% | 4,383 |
| Total risk-based capital ratio | 14.6770% | 4,393 |
| Memoranda: | ||
| Average total assets | $473,731,200 | 1,411 |
| Average earning assets | $438,440,800 | 1,400 |
| Average equity | $46,262,600 | 1,551 |
| Average total loans | $314,860,400 | 1,372 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0269% | 3,654 |
| Cost of funding earning assets | 0.3787% | 4,032 |
| Net interest margin | 3.6482% | 3,232 |
| Noninterest income to average assets | 0.8191% | 1,819 |
| Noninterest expense to average assets | 3.2474% | 2,033 |
| Loan and lease loss provision to assets | 0.1205% | 2,064 |
| Net operating income to assets | 0.5228% | 4,785 |
| Return on assets (ROA) | 0.5228% | 4,856 |
| Pretax return on assets | 0.8242% | 4,268 |
| Return on Equity (ROE) | 5.3569% | 4,552 |
| Retained earnings to average equity (ytd only) | 4.7759% | 3,229 |
| Net charge-offs to loans | 0.1092% | 2,711 |
| Credit loss provision to net charge-offs | 166.6667% | 1,468 |
| Earnings coverage of net charge-offs (x) | 13.0667% | 2,259 |
| Efficiency ratio | 77.4636% | 2,273 |
| Assets per employee ($millions) | 4.7840% | 2,544 |
| Cash dividends to net income (ytd only)* | 10.8460% | 3,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 4,204 |
| Loan loss allowance to noncurrent loans | 441.0880% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.9580% | 3,053 |
| Noncurrent loans to loans | 0.2727% | 5,092 |
| Net loans and leases to total assets | 64.7847% | 3,061 |
| Net loans and leases to deposits | 72.9551% | 3,572 |
| Net loans and leases to core deposits | 79.1821% | 3,415 |
| Total domestic deposits to total assets | 88.8008% | 1,352 |
| Equity capital to assets | 9.6807% | 4,572 |
| Core capital (leverage) ratio | 9.1577% | 4,839 |
| Tier 1 risk-based capital ratio | 13.5890% | 4,480 |
| Total risk-based capital ratio | 14.8386% | 4,426 |
| Memoranda: | ||
| Average total assets | $470,237,750 | 1,432 |
| Average earning assets | $434,763,250 | 1,422 |
| Average equity | $45,895,750 | 1,572 |
| Average total loans | $311,356,500 | 1,396 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0376% | 3,593 |
| Cost of funding earning assets | 0.3896% | 3,997 |
| Net interest margin | 3.6480% | 3,153 |
| Noninterest income to average assets | 0.8675% | 1,596 |
| Noninterest expense to average assets | 3.1563% | 2,316 |
| Loan and lease loss provision to assets | 0.1717% | 1,433 |
| Net operating income to assets | 0.5808% | 4,448 |
| Return on assets (ROA) | 0.5808% | 4,550 |
| Pretax return on assets | 0.9195% | 3,811 |
| Return on Equity (ROE) | 5.9339% | 4,188 |
| Retained earnings to average equity (ytd only) | 5.0568% | 2,926 |
| Net charge-offs to loans | 0.1383% | 2,286 |
| Credit loss provision to net charge-offs | 186.9159% | 1,234 |
| Earnings coverage of net charge-offs (x) | 11.8785% | 2,106 |
| Efficiency ratio | 74.3103% | 2,921 |
| Assets per employee ($millions) | 4.7265% | 2,574 |
| Cash dividends to net income (ytd only)* | 14.7820% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 4,346 |
| Loan loss allowance to noncurrent loans | 260.8725% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 1.1353% | 2,804 |
| Noncurrent loans to loans | 0.4666% | 4,599 |
| Net loans and leases to total assets | 65.7091% | 2,803 |
| Net loans and leases to deposits | 73.8333% | 3,341 |
| Net loans and leases to core deposits | 80.0885% | 3,202 |
| Total domestic deposits to total assets | 88.9966% | 1,352 |
| Equity capital to assets | 9.7858% | 4,379 |
| Core capital (leverage) ratio | 9.2750% | 4,634 |
| Tier 1 risk-based capital ratio | 13.7228% | 4,432 |
| Total risk-based capital ratio | 14.9729% | 4,380 |
| Memoranda: | ||
| Average total assets | $465,921,000 | 1,443 |
| Average earning assets | $431,688,670 | 1,433 |
| Average equity | $45,602,330 | 1,570 |
| Average total loans | $309,527,670 | 1,396 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0647% | 3,424 |
| Cost of funding earning assets | 0.4049% | 3,911 |
| Net interest margin | 3.6598% | 3,022 |
| Noninterest income to average assets | 0.8751% | 1,469 |
| Noninterest expense to average assets | 3.2065% | 2,215 |
| Loan and lease loss provision to assets | 0.1946% | 1,206 |
| Net operating income to assets | 0.5465% | 4,473 |
| Return on assets (ROA) | 0.5465% | 4,544 |
| Pretax return on assets | 0.8587% | 3,868 |
| Return on Equity (ROE) | 5.5833% | 4,239 |
| Retained earnings to average equity (ytd only) | 5.5833% | 2,748 |
| Net charge-offs to loans | 0.1745% | 1,670 |
| Credit loss provision to net charge-offs | 167.9104% | 1,163 |
| Earnings coverage of net charge-offs (x) | 9.0896% | 1,967 |
| Efficiency ratio | 75.2741% | 2,912 |
| Assets per employee ($millions) | 4.6885% | 2,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 4,536 |
| Loan loss allowance to noncurrent loans | 209.6629% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 1.3034% | 2,687 |
| Noncurrent loans to loans | 0.5833% | 4,412 |
| Net loans and leases to total assets | 64.2965% | 2,840 |
| Net loans and leases to deposits | 72.1886% | 3,316 |
| Net loans and leases to core deposits | 78.6026% | 3,135 |
| Total domestic deposits to total assets | 89.0674% | 1,613 |
| Equity capital to assets | 9.7277% | 4,196 |
| Core capital (leverage) ratio | 9.1493% | 4,792 |
| Tier 1 risk-based capital ratio | 14.0090% | 4,331 |
| Total risk-based capital ratio | 15.2593% | 4,269 |
| Memoranda: | ||
| Average total assets | $462,559,000 | 1,457 |
| Average earning assets | $427,784,000 | 1,453 |
| Average equity | $45,277,500 | 1,576 |
| Average total loans | $307,092,500 | 1,410 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2697% | 3,069 |
| Cost of funding earning assets | 0.5135% | 3,469 |
| Net interest margin | 3.7562% | 2,821 |
| Noninterest income to average assets | 0.7959% | 2,097 |
| Noninterest expense to average assets | 3.1155% | 2,688 |
| Loan and lease loss provision to assets | 0.4560% | 632 |
| Net operating income to assets | 0.4287% | 5,042 |
| Return on assets (ROA) | 0.5306% | 4,719 |
| Pretax return on assets | 0.8260% | 4,050 |
| Return on Equity (ROE) | 5.3863% | 4,451 |
| Retained earnings to average equity (ytd only) | 1.2708% | 5,257 |
| Net charge-offs to loans | 0.8940% | 684 |
| Credit loss provision to net charge-offs | 75.2700% | 3,165 |
| Earnings coverage of net charge-offs (x) | 1.8535% | 4,431 |
| Efficiency ratio | 73.5079% | 3,214 |
| Assets per employee ($millions) | 4.2248% | 3,405 |
| Cash dividends to net income (ytd only)* | 76.4077% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1783% | 4,769 |
| Loan loss allowance to noncurrent loans | 81.7284% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 1.7211% | 2,146 |
| Noncurrent loans to loans | 1.4417% | 2,725 |
| Net loans and leases to total assets | 66.9251% | 2,536 |
| Net loans and leases to deposits | 75.0966% | 3,082 |
| Net loans and leases to core deposits | 80.4937% | 3,064 |
| Total domestic deposits to total assets | 89.1186% | 1,540 |
| Equity capital to assets | 9.8509% | 3,959 |
| Core capital (leverage) ratio | 9.1560% | 4,775 |
| Tier 1 risk-based capital ratio | 13.8189% | 4,422 |
| Total risk-based capital ratio | 15.0676% | 4,373 |
| Memoranda: | ||
| Average total assets | $458,580,400 | 1,445 |
| Average earning assets | $420,260,200 | 1,449 |
| Average equity | $45,169,800 | 1,548 |
| Average total loans | $310,733,600 | 1,363 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2960% | 3,007 |
| Cost of funding earning assets | 0.5368% | 3,394 |
| Net interest margin | 3.7592% | 2,804 |
| Noninterest income to average assets | 0.8494% | 1,939 |
| Noninterest expense to average assets | 3.1149% | 2,605 |
| Loan and lease loss provision to assets | 0.5712% | 443 |
| Net operating income to assets | 0.3838% | 5,305 |
| Return on assets (ROA) | 0.5195% | 4,873 |
| Pretax return on assets | 0.8099% | 4,253 |
| Return on Equity (ROE) | 5.2742% | 4,580 |
| Retained earnings to average equity (ytd only) | -0.2034% | 5,979 |
| Net charge-offs to loans | 1.0618% | 533 |
| Credit loss provision to net charge-offs | 79.3785% | 2,864 |
| Earnings coverage of net charge-offs (x) | 1.6247% | 4,297 |
| Efficiency ratio | 72.7106% | 3,281 |
| Assets per employee ($millions) | 4.1565% | 3,515 |
| Cash dividends to net income (ytd only)* | 103.8570% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2356% | 4,713 |
| Loan loss allowance to noncurrent loans | 52.2161% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 2.4503% | 1,579 |
| Noncurrent loans to loans | 2.3664% | 1,861 |
| Net loans and leases to total assets | 66.7278% | 2,514 |
| Net loans and leases to deposits | 74.7076% | 3,128 |
| Net loans and leases to core deposits | 80.0371% | 3,128 |
| Total domestic deposits to total assets | 89.3186% | 1,397 |
| Equity capital to assets | 9.6425% | 4,366 |
| Core capital (leverage) ratio | 9.1301% | 4,924 |
| Tier 1 risk-based capital ratio | 13.5888% | 4,698 |
| Total risk-based capital ratio | 14.8395% | 4,655 |
| Memoranda: | ||
| Average total assets | $459,157,250 | 1,445 |
| Average earning assets | $419,508,750 | 1,461 |
| Average equity | $45,225,500 | 1,561 |
| Average total loans | $311,166,500 | 1,367 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3688% | 2,688 |
| Cost of funding earning assets | 0.5601% | 3,312 |
| Net interest margin | 3.8087% | 2,525 |
| Noninterest income to average assets | 0.8273% | 2,078 |
| Noninterest expense to average assets | 3.1205% | 2,604 |
| Loan and lease loss provision to assets | 0.3480% | 960 |
| Net operating income to assets | 0.5345% | 4,644 |
| Return on assets (ROA) | 0.7377% | 3,786 |
| Pretax return on assets | 1.1605% | 2,839 |
| Return on Equity (ROE) | 7.4378% | 3,374 |
| Retained earnings to average equity (ytd only) | 3.2716% | 4,221 |
| Net charge-offs to loans | 0.4238% | 1,522 |
| Credit loss provision to net charge-offs | 121.0287% | 1,847 |
| Earnings coverage of net charge-offs (x) | 4.1422% | 3,207 |
| Efficiency ratio | 72.3769% | 3,408 |
| Assets per employee ($millions) | 4.2177% | 3,319 |
| Cash dividends to net income (ytd only)* | 56.0142% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4068% | 4,004 |
| Loan loss allowance to noncurrent loans | 62.1712% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 2.4337% | 1,749 |
| Noncurrent loans to loans | 2.2628% | 2,102 |
| Net loans and leases to total assets | 67.4770% | 2,340 |
| Net loans and leases to deposits | 75.8373% | 2,900 |
| Net loans and leases to core deposits | 80.9227% | 2,921 |
| Total domestic deposits to total assets | 88.9760% | 1,644 |
| Equity capital to assets | 9.7230% | 4,267 |
| Core capital (leverage) ratio | 9.4839% | 4,273 |
| Tier 1 risk-based capital ratio | 13.8492% | 4,526 |
| Total risk-based capital ratio | 15.1025% | 4,496 |
| Memoranda: | ||
| Average total assets | $459,804,000 | 1,441 |
| Average earning assets | $420,620,670 | 1,457 |
| Average equity | $45,605,000 | 1,552 |
| Average total loans | $311,919,330 | 1,359 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4168% | 2,464 |
| Cost of funding earning assets | 0.5910% | 3,194 |
| Net interest margin | 3.8259% | 2,357 |
| Noninterest income to average assets | 0.7804% | 2,211 |
| Noninterest expense to average assets | 3.1853% | 2,397 |
| Loan and lease loss provision to assets | 0.3059% | 1,120 |
| Net operating income to assets | 0.4902% | 4,720 |
| Return on assets (ROA) | 0.4902% | 4,875 |
| Pretax return on assets | 0.7743% | 4,280 |
| Return on Equity (ROE) | 4.8940% | 4,633 |
| Retained earnings to average equity (ytd only) | 0.5147% | 5,619 |
| Net charge-offs to loans | 0.3571% | 1,573 |
| Credit loss provision to net charge-offs | 126.8116% | 1,537 |
| Earnings coverage of net charge-offs (x) | 4.4783% | 2,545 |
| Efficiency ratio | 74.6773% | 3,144 |
| Assets per employee ($millions) | 4.1109% | 3,723 |
| Cash dividends to net income (ytd only)* | 89.4831% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4130% | 4,172 |
| Loan loss allowance to noncurrent loans | 76.7835% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 2.2064% | 2,112 |
| Noncurrent loans to loans | 1.8402% | 2,811 |
| Net loans and leases to total assets | 67.3079% | 2,139 |
| Net loans and leases to deposits | 75.8366% | 2,662 |
| Net loans and leases to core deposits | 80.5907% | 2,737 |
| Total domestic deposits to total assets | 88.7539% | 1,827 |
| Equity capital to assets | 10.0491% | 4,083 |
| Core capital (leverage) ratio | 9.3566% | 4,310 |
| Tier 1 risk-based capital ratio | 13.6487% | 4,759 |
| Total risk-based capital ratio | 14.9017% | 4,720 |
| Memoranda: | ||
| Average total assets | $457,730,500 | 1,471 |
| Average earning assets | $416,952,000 | 1,478 |
| Average equity | $45,852,500 | 1,559 |
| Average total loans | $309,115,500 | 1,376 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6886% | 2,641 |
| Cost of funding earning assets | 0.7255% | 3,286 |
| Net interest margin | 3.9631% | 2,557 |
| Noninterest income to average assets | 0.9392% | 1,743 |
| Noninterest expense to average assets | 3.2091% | 2,577 |
| Loan and lease loss provision to assets | 0.5074% | 1,159 |
| Net operating income to assets | 0.5608% | 4,426 |
| Return on assets (ROA) | 0.6018% | 4,492 |
| Pretax return on assets | 0.9116% | 3,884 |
| Return on Equity (ROE) | 5.9123% | 4,220 |
| Retained earnings to average equity (ytd only) | 0.8853% | 5,426 |
| Net charge-offs to loans | 0.8386% | 1,381 |
| Credit loss provision to net charge-offs | 88.6940% | 3,524 |
| Earnings coverage of net charge-offs (x) | 2.3719% | 4,223 |
| Efficiency ratio | 70.1348% | 3,788 |
| Assets per employee ($millions) | 4.0996% | 3,735 |
| Cash dividends to net income (ytd only)* | 85.0259% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4112% | 4,121 |
| Loan loss allowance to noncurrent loans | 56.5974% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 2.6183% | 1,857 |
| Noncurrent loans to loans | 2.4933% | 2,122 |
| Net loans and leases to total assets | 65.8538% | 2,549 |
| Net loans and leases to deposits | 74.1091% | 3,072 |
| Net loans and leases to core deposits | 78.8384% | 3,156 |
| Total domestic deposits to total assets | 88.8606% | 1,668 |
| Equity capital to assets | 9.9858% | 4,186 |
| Core capital (leverage) ratio | 9.3257% | 4,367 |
| Tier 1 risk-based capital ratio | 13.8249% | 4,518 |
| Total risk-based capital ratio | 15.0777% | 4,466 |
| Memoranda: | ||
| Average total assets | $448,350,000 | 1,472 |
| Average earning assets | $410,314,600 | 1,469 |
| Average equity | $45,633,400 | 1,524 |
| Average total loans | $305,865,600 | 1,372 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7329% | 2,657 |
| Cost of funding earning assets | 0.7478% | 3,371 |
| Net interest margin | 3.9851% | 2,563 |
| Noninterest income to average assets | 0.9999% | 1,500 |
| Noninterest expense to average assets | 3.2614% | 2,384 |
| Loan and lease loss provision to assets | 0.5460% | 1,072 |
| Net operating income to assets | 0.5639% | 4,551 |
| Return on assets (ROA) | 0.6196% | 4,553 |
| Pretax return on assets | 0.9302% | 3,992 |
| Return on Equity (ROE) | 6.0582% | 4,305 |
| Retained earnings to average equity (ytd only) | 1.0911% | 5,733 |
| Net charge-offs to loans | 0.9932% | 1,069 |
| Credit loss provision to net charge-offs | 80.1493% | 3,609 |
| Earnings coverage of net charge-offs (x) | 2.0448% | 4,244 |
| Efficiency ratio | 69.8785% | 3,709 |
| Assets per employee ($millions) | 3.9977% | 3,877 |
| Cash dividends to net income (ytd only)* | 81.9894% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 4,555 |
| Loan loss allowance to noncurrent loans | 59.4803% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 2.6010% | 2,030 |
| Noncurrent loans to loans | 2.2799% | 2,529 |
| Net loans and leases to total assets | 67.0823% | 2,445 |
| Net loans and leases to deposits | 75.7559% | 3,017 |
| Net loans and leases to core deposits | 80.5889% | 3,131 |
| Total domestic deposits to total assets | 88.5506% | 1,693 |
| Equity capital to assets | 10.1892% | 4,220 |
| Core capital (leverage) ratio | 9.4515% | 4,350 |
| Tier 1 risk-based capital ratio | 14.0840% | 4,467 |
| Total risk-based capital ratio | 15.3364% | 4,425 |
| Memoranda: | ||
| Average total assets | $445,649,500 | 1,494 |
| Average earning assets | $408,674,000 | 1,494 |
| Average equity | $45,579,250 | 1,540 |
| Average total loans | $305,657,750 | 1,383 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7597% | 2,686 |
| Cost of funding earning assets | 0.7625% | 3,495 |
| Net interest margin | 3.9972% | 2,518 |
| Noninterest income to average assets | 1.0613% | 1,275 |
| Noninterest expense to average assets | 3.3051% | 2,288 |
| Loan and lease loss provision to assets | 0.5072% | 1,240 |
| Net operating income to assets | 0.5983% | 4,375 |
| Return on assets (ROA) | 0.5983% | 4,631 |
| Pretax return on assets | 0.9215% | 4,000 |
| Return on Equity (ROE) | 5.8420% | 4,399 |
| Retained earnings to average equity (ytd only) | 1.1710% | 5,608 |
| Net charge-offs to loans | 0.8580% | 1,289 |
| Credit loss provision to net charge-offs | 85.9435% | 3,163 |
| Earnings coverage of net charge-offs (x) | 2.4209% | 3,790 |
| Efficiency ratio | 69.5333% | 3,842 |
| Assets per employee ($millions) | 3.9988% | 3,881 |
| Cash dividends to net income (ytd only)* | 79.9548% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 4,291 |
| Loan loss allowance to noncurrent loans | 74.2838% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 2.5397% | 2,202 |
| Noncurrent loans to loans | 1.9374% | 3,015 |
| Net loans and leases to total assets | 67.1999% | 2,427 |
| Net loans and leases to deposits | 76.0253% | 2,988 |
| Net loans and leases to core deposits | 80.8153% | 3,112 |
| Total domestic deposits to total assets | 88.3914% | 1,894 |
| Equity capital to assets | 10.1508% | 4,120 |
| Core capital (leverage) ratio | 9.5619% | 4,060 |
| Tier 1 risk-based capital ratio | 14.0206% | 4,436 |
| Total risk-based capital ratio | 15.2744% | 4,392 |
| Memoranda: | ||
| Average total assets | $443,617,670 | 1,502 |
| Average earning assets | $407,587,000 | 1,497 |
| Average equity | $45,429,330 | 1,535 |
| Average total loans | $305,141,330 | 1,379 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7668% | 2,775 |
| Cost of funding earning assets | 0.7739% | 3,672 |
| Net interest margin | 3.9929% | 2,539 |
| Noninterest income to average assets | 0.9620% | 1,532 |
| Noninterest expense to average assets | 3.3802% | 2,058 |
| Loan and lease loss provision to assets | 0.5461% | 1,083 |
| Net operating income to assets | 0.4842% | 4,893 |
| Return on assets (ROA) | 0.4842% | 5,093 |
| Pretax return on assets | 0.7217% | 4,724 |
| Return on Equity (ROE) | 4.7069% | 4,933 |
| Retained earnings to average equity (ytd only) | -0.9202% | 6,144 |
| Net charge-offs to loans | 1.3264% | 768 |
| Credit loss provision to net charge-offs | 59.5829% | 3,126 |
| Earnings coverage of net charge-offs (x) | 1.3833% | 3,631 |
| Efficiency ratio | 72.1363% | 3,416 |
| Assets per employee ($millions) | 4.0651% | 3,874 |
| Cash dividends to net income (ytd only)* | 119.5489% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 4,654 |
| Loan loss allowance to noncurrent loans | 73.1584% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 2.4326% | 2,428 |
| Noncurrent loans to loans | 1.9004% | 3,282 |
| Net loans and leases to total assets | 67.4051% | 2,214 |
| Net loans and leases to deposits | 76.1903% | 2,770 |
| Net loans and leases to core deposits | 81.1653% | 2,932 |
| Total domestic deposits to total assets | 88.4694% | 2,029 |
| Equity capital to assets | 10.2139% | 3,838 |
| Core capital (leverage) ratio | 9.6428% | 3,855 |
| Tier 1 risk-based capital ratio | 13.9573% | 4,497 |
| Total risk-based capital ratio | 15.2101% | 4,464 |
| Memoranda: | ||
| Average total assets | $439,494,500 | 1,517 |
| Average earning assets | $405,720,500 | 1,499 |
| Average equity | $45,210,000 | 1,534 |
| Average total loans | $303,669,000 | 1,393 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9978% | 2,891 |
| Cost of funding earning assets | 0.9050% | 4,081 |
| Net interest margin | 4.0928% | 2,454 |
| Noninterest income to average assets | 0.9583% | 1,477 |
| Noninterest expense to average assets | 3.3276% | 2,431 |
| Loan and lease loss provision to assets | 0.7326% | 1,386 |
| Net operating income to assets | 0.4454% | 4,668 |
| Return on assets (ROA) | 0.4575% | 4,815 |
| Pretax return on assets | 0.7096% | 4,293 |
| Return on Equity (ROE) | 4.4646% | 4,643 |
| Retained earnings to average equity (ytd only) | 2.2198% | 4,635 |
| Net charge-offs to loans | 1.1114% | 1,547 |
| Credit loss provision to net charge-offs | 91.3838% | 3,947 |
| Earnings coverage of net charge-offs (x) | 1.7755% | 4,448 |
| Efficiency ratio | 69.4473% | 4,065 |
| Assets per employee ($millions) | 3.9990% | 3,850 |
| Cash dividends to net income (ytd only)* | 50.2796% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5168% | 3,949 |
| Loan loss allowance to noncurrent loans | 51.3054% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 2.8356% | 2,133 |
| Noncurrent loans to loans | 2.9564% | 2,198 |
| Net loans and leases to total assets | 68.7875% | 2,253 |
| Net loans and leases to deposits | 77.8338% | 2,871 |
| Net loans and leases to core deposits | 83.0992% | 3,008 |
| Total domestic deposits to total assets | 88.3773% | 1,920 |
| Equity capital to assets | 10.3609% | 3,697 |
| Core capital (leverage) ratio | 9.6169% | 3,834 |
| Tier 1 risk-based capital ratio | 14.0710% | 4,277 |
| Total risk-based capital ratio | 15.3256% | 4,224 |
| Memoranda: | ||
| Average total assets | $429,949,800 | 1,517 |
| Average earning assets | $398,432,000 | 1,494 |
| Average equity | $44,058,000 | 1,537 |
| Average total loans | $310,144,400 | 1,369 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0043% | 3,065 |
| Cost of funding earning assets | 0.9345% | 4,166 |
| Net interest margin | 4.0698% | 2,603 |
| Noninterest income to average assets | 0.9538% | 1,477 |
| Noninterest expense to average assets | 3.4563% | 2,056 |
| Loan and lease loss provision to assets | 0.7157% | 1,339 |
| Net operating income to assets | 0.3486% | 5,208 |
| Return on assets (ROA) | 0.3647% | 5,332 |
| Pretax return on assets | 0.5732% | 4,898 |
| Return on Equity (ROE) | 3.5691% | 5,191 |
| Retained earnings to average equity (ytd only) | 1.3186% | 5,482 |
| Net charge-offs to loans | 1.1165% | 1,419 |
| Credit loss provision to net charge-offs | 88.1564% | 3,843 |
| Earnings coverage of net charge-offs (x) | 1.5565% | 4,470 |
| Efficiency ratio | 72.6266% | 3,435 |
| Assets per employee ($millions) | 4.0331% | 3,776 |
| Cash dividends to net income (ytd only)* | 63.0546% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 4,143 |
| Loan loss allowance to noncurrent loans | 43.7916% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 3.1958% | 2,001 |
| Noncurrent loans to loans | 3.4052% | 2,027 |
| Net loans and leases to total assets | 70.5090% | 1,977 |
| Net loans and leases to deposits | 79.6041% | 2,703 |
| Net loans and leases to core deposits | 85.6829% | 2,818 |
| Total domestic deposits to total assets | 88.5746% | 1,715 |
| Equity capital to assets | 10.3581% | 3,881 |
| Core capital (leverage) ratio | 9.6430% | 3,927 |
| Tier 1 risk-based capital ratio | 13.7875% | 4,509 |
| Total risk-based capital ratio | 15.0419% | 4,471 |
| Memoranda: | ||
| Average total assets | $428,465,000 | 1,532 |
| Average earning assets | $396,502,500 | 1,513 |
| Average equity | $43,782,000 | 1,551 |
| Average total loans | $311,566,750 | 1,372 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9592% | 3,360 |
| Cost of funding earning assets | 0.9633% | 4,229 |
| Net interest margin | 3.9959% | 2,856 |
| Noninterest income to average assets | 0.9470% | 1,476 |
| Noninterest expense to average assets | 3.5420% | 1,883 |
| Loan and lease loss provision to assets | 0.7720% | 1,203 |
| Net operating income to assets | 0.2160% | 5,681 |
| Return on assets (ROA) | 0.2410% | 5,714 |
| Pretax return on assets | 0.3645% | 5,503 |
| Return on Equity (ROE) | 2.3691% | 5,657 |
| Retained earnings to average equity (ytd only) | 0.0414% | 5,818 |
| Net charge-offs to loans | 0.9025% | 1,730 |
| Credit loss provision to net charge-offs | 117.0213% | 2,624 |
| Earnings coverage of net charge-offs (x) | 1.6652% | 4,044 |
| Efficiency ratio | 75.7209% | 3,067 |
| Assets per employee ($millions) | 4.0171% | 3,716 |
| Cash dividends to net income (ytd only)* | 98.2524% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6391% | 3,536 |
| Loan loss allowance to noncurrent loans | 39.0117% | 5,718 |
| Noncurrent assets plus other real estate owned to assets | 3.6731% | 1,776 |
| Noncurrent loans to loans | 4.2015% | 1,621 |
| Net loans and leases to total assets | 71.9707% | 1,789 |
| Net loans and leases to deposits | 81.4614% | 2,526 |
| Net loans and leases to core deposits | 86.5711% | 2,811 |
| Total domestic deposits to total assets | 88.3494% | 1,940 |
| Equity capital to assets | 10.2214% | 3,857 |
| Core capital (leverage) ratio | 9.5816% | 3,846 |
| Tier 1 risk-based capital ratio | 13.3663% | 4,634 |
| Total risk-based capital ratio | 14.6227% | 4,615 |
| Memoranda: | ||
| Average total assets | $427,440,670 | 1,544 |
| Average earning assets | $395,106,330 | 1,531 |
| Average equity | $43,476,330 | 1,546 |
| Average total loans | $312,462,670 | 1,382 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8522% | 3,808 |
| Cost of funding earning assets | 0.9905% | 4,266 |
| Net interest margin | 3.8617% | 3,333 |
| Noninterest income to average assets | 0.9159% | 1,600 |
| Noninterest expense to average assets | 3.7368% | 1,466 |
| Loan and lease loss provision to assets | 0.7742% | 1,103 |
| Net operating income to assets | -0.0228% | 6,380 |
| Return on assets (ROA) | 0.0469% | 6,282 |
| Pretax return on assets | 0.0497% | 6,267 |
| Return on Equity (ROE) | 0.4625% | 6,269 |
| Retained earnings to average equity (ytd only) | -4.2176% | 6,444 |
| Net charge-offs to loans | 1.1444% | 1,209 |
| Credit loss provision to net charge-offs | 92.5926% | 2,891 |
| Earnings coverage of net charge-offs (x) | 0.8967% | 3,973 |
| Efficiency ratio | 82.6605% | 2,129 |
| Assets per employee ($millions) | 3.9179% | 4,029 |
| Cash dividends to net income (ytd only)* | 1,012.0000% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5684% | 3,877 |
| Loan loss allowance to noncurrent loans | 31.5095% | 6,199 |
| Noncurrent assets plus other real estate owned to assets | 4.0714% | 1,642 |
| Noncurrent loans to loans | 4.9776% | 1,358 |
| Net loans and leases to total assets | 71.2603% | 1,869 |
| Net loans and leases to deposits | 80.4588% | 2,620 |
| Net loans and leases to core deposits | 85.5667% | 2,945 |
| Total domestic deposits to total assets | 88.5674% | 2,037 |
| Equity capital to assets | 10.0492% | 3,715 |
| Core capital (leverage) ratio | 9.4496% | 3,886 |
| Tier 1 risk-based capital ratio | 13.1623% | 4,698 |
| Total risk-based capital ratio | 14.4175% | 4,668 |
| Memoranda: | ||
| Average total assets | $426,245,000 | 1,558 |
| Average earning assets | $394,129,000 | 1,543 |
| Average equity | $43,247,000 | 1,543 |
| Average total loans | $311,440,000 | 1,401 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3565% | 2,868 |
| Cost of funding earning assets | 1.2180% | 4,433 |
| Net interest margin | 4.1384% | 2,414 |
| Noninterest income to average assets | 1.2277% | 1,003 |
| Noninterest expense to average assets | 3.3458% | 2,595 |
| Loan and lease loss provision to assets | 0.3616% | 3,949 |
| Net operating income to assets | 0.8967% | 2,402 |
| Return on assets (ROA) | 0.8967% | 2,537 |
| Pretax return on assets | 1.3781% | 1,715 |
| Return on Equity (ROE) | 8.8892% | 2,338 |
| Retained earnings to average equity (ytd only) | 3.9756% | 3,085 |
| Net charge-offs to loans | 0.4985% | 3,630 |
| Credit loss provision to net charge-offs | 98.1481% | 4,719 |
| Earnings coverage of net charge-offs (x) | 4.7222% | 2,829 |
| Efficiency ratio | 65.7918% | 5,011 |
| Assets per employee ($millions) | 3.8219% | 4,203 |
| Cash dividends to net income (ytd only)* | 55.2762% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 5,080 |
| Loan loss allowance to noncurrent loans | 49.3197% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 1.9016% | 3,475 |
| Noncurrent loans to loans | 2.6050% | 2,921 |
| Net loans and leases to total assets | 72.0587% | 2,096 |
| Net loans and leases to deposits | 81.5388% | 2,899 |
| Net loans and leases to core deposits | 86.2991% | 3,282 |
| Total domestic deposits to total assets | 88.3736% | 2,026 |
| Equity capital to assets | 10.0746% | 3,650 |
| Core capital (leverage) ratio | 9.5729% | 3,600 |
| Tier 1 risk-based capital ratio | 13.3356% | 4,345 |
| Total risk-based capital ratio | 14.5873% | 4,307 |
| Memoranda: | ||
| Average total assets | $337,141,200 | 1,935 |
| Average earning assets | $314,275,000 | 1,887 |
| Average equity | $34,007,400 | 1,943 |
| Average total loans | $249,135,000 | 1,767 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3166% | 3,269 |
| Cost of funding earning assets | 1.2493% | 4,577 |
| Net interest margin | 4.0673% | 2,776 |
| Noninterest income to average assets | 1.2640% | 863 |
| Noninterest expense to average assets | 3.4001% | 2,290 |
| Loan and lease loss provision to assets | 0.3188% | 4,040 |
| Net operating income to assets | 0.9043% | 2,589 |
| Return on assets (ROA) | 0.9043% | 2,735 |
| Pretax return on assets | 1.3419% | 2,062 |
| Return on Equity (ROE) | 8.9620% | 2,503 |
| Retained earnings to average equity (ytd only) | 4.3766% | 3,417 |
| Net charge-offs to loans | 0.4601% | 3,452 |
| Credit loss provision to net charge-offs | 93.4732% | 4,642 |
| Earnings coverage of net charge-offs (x) | 4.8695% | 2,912 |
| Efficiency ratio | 67.1850% | 4,626 |
| Assets per employee ($millions) | 3.7912% | 4,291 |
| Cash dividends to net income (ytd only)* | 51.1648% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2572% | 5,183 |
| Loan loss allowance to noncurrent loans | 48.0150% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 1.9490% | 3,538 |
| Noncurrent loans to loans | 2.6183% | 3,004 |
| Net loans and leases to total assets | 73.4995% | 1,914 |
| Net loans and leases to deposits | 83.3514% | 2,819 |
| Net loans and leases to core deposits | 87.9128% | 3,380 |
| Total domestic deposits to total assets | 88.1803% | 1,863 |
| Equity capital to assets | 10.2181% | 3,857 |
| Core capital (leverage) ratio | 9.5872% | 3,786 |
| Tier 1 risk-based capital ratio | 13.1943% | 4,429 |
| Total risk-based capital ratio | 14.4455% | 4,411 |
| Memoranda: | ||
| Average total assets | $335,432,750 | 1,973 |
| Average earning assets | $313,122,750 | 1,928 |
| Average equity | $33,845,750 | 1,975 |
| Average total loans | $248,646,250 | 1,790 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3337% | 3,299 |
| Cost of funding earning assets | 1.2610% | 4,761 |
| Net interest margin | 4.0727% | 2,690 |
| Noninterest income to average assets | 1.1946% | 907 |
| Noninterest expense to average assets | 3.4782% | 2,075 |
| Loan and lease loss provision to assets | 0.2603% | 4,326 |
| Net operating income to assets | 0.8234% | 2,857 |
| Return on assets (ROA) | 0.8234% | 3,006 |
| Pretax return on assets | 1.2677% | 2,193 |
| Return on Equity (ROE) | 8.1955% | 2,810 |
| Retained earnings to average equity (ytd only) | 3.5397% | 3,856 |
| Net charge-offs to loans | 0.3816% | 3,451 |
| Credit loss provision to net charge-offs | 92.1444% | 4,364 |
| Earnings coverage of net charge-offs (x) | 5.4098% | 2,672 |
| Efficiency ratio | 69.4777% | 4,281 |
| Assets per employee ($millions) | 3.6716% | 4,545 |
| Cash dividends to net income (ytd only)* | 56.8099% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 4,974 |
| Loan loss allowance to noncurrent loans | 45.2713% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 2.0778% | 3,409 |
| Noncurrent loans to loans | 2.8554% | 2,804 |
| Net loans and leases to total assets | 71.8287% | 2,449 |
| Net loans and leases to deposits | 81.4554% | 3,347 |
| Net loans and leases to core deposits | 85.3854% | 3,918 |
| Total domestic deposits to total assets | 88.1817% | 1,896 |
| Equity capital to assets | 10.0219% | 4,000 |
| Core capital (leverage) ratio | 9.6766% | 3,572 |
| Tier 1 risk-based capital ratio | 13.0769% | 4,376 |
| Total risk-based capital ratio | 14.3285% | 4,331 |
| Memoranda: | ||
| Average total assets | $333,507,330 | 1,995 |
| Average earning assets | $312,128,000 | 1,954 |
| Average equity | $33,506,000 | 1,985 |
| Average total loans | $246,868,330 | 1,824 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3596% | 3,242 |
| Cost of funding earning assets | 1.2797% | 4,930 |
| Net interest margin | 4.0798% | 2,528 |
| Noninterest income to average assets | 1.2054% | 832 |
| Noninterest expense to average assets | 3.6197% | 1,692 |
| Loan and lease loss provision to assets | 0.2634% | 3,926 |
| Net operating income to assets | 0.7380% | 3,272 |
| Return on assets (ROA) | 0.7380% | 3,372 |
| Pretax return on assets | 1.1301% | 2,629 |
| Return on Equity (ROE) | 7.3367% | 3,186 |
| Retained earnings to average equity (ytd only) | 4.0303% | 3,733 |
| Net charge-offs to loans | 0.3950% | 2,858 |
| Credit loss provision to net charge-offs | 89.3004% | 3,672 |
| Earnings coverage of net charge-offs (x) | 4.7243% | 2,565 |
| Efficiency ratio | 72.2034% | 3,894 |
| Assets per employee ($millions) | 3.6357% | 4,729 |
| Cash dividends to net income (ytd only)* | 45.0658% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3206% | 4,820 |
| Loan loss allowance to noncurrent loans | 40.8233% | 5,635 |
| Noncurrent assets plus other real estate owned to assets | 2.3603% | 3,075 |
| Noncurrent loans to loans | 3.2349% | 2,472 |
| Net loans and leases to total assets | 72.0006% | 2,446 |
| Net loans and leases to deposits | 81.2080% | 3,427 |
| Net loans and leases to core deposits | 85.1776% | 4,016 |
| Total domestic deposits to total assets | 88.6620% | 1,698 |
| Equity capital to assets | 9.9759% | 3,902 |
| Core capital (leverage) ratio | 9.7131% | 3,498 |
| Tier 1 risk-based capital ratio | 13.0280% | 4,311 |
| Total risk-based capital ratio | 14.2797% | 4,284 |
| Memoranda: | ||
| Average total assets | $329,530,500 | 2,068 |
| Average earning assets | $307,560,500 | 2,034 |
| Average equity | $33,148,500 | 2,022 |
| Average total loans | $246,063,000 | 1,885 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6372% | 3,408 |
| Cost of funding earning assets | 1.6505% | 4,787 |
| Net interest margin | 3.9867% | 2,910 |
| Noninterest income to average assets | 1.1096% | 1,247 |
| Noninterest expense to average assets | 3.6105% | 2,115 |
| Loan and lease loss provision to assets | 0.4489% | 4,134 |
| Net operating income to assets | 0.5268% | 3,621 |
| Return on assets (ROA) | 0.5372% | 3,671 |
| Pretax return on assets | 0.7892% | 3,284 |
| Return on Equity (ROE) | 5.2817% | 3,540 |
| Retained earnings to average equity (ytd only) | 1.9696% | 3,722 |
| Net charge-offs to loans | 0.2374% | 5,142 |
| Credit loss provision to net charge-offs | 240.9015% | 1,486 |
| Earnings coverage of net charge-offs (x) | 6.5626% | 2,338 |
| Efficiency ratio | 74.7007% | 3,759 |
| Assets per employee ($millions) | 3.7741% | 4,343 |
| Cash dividends to net income (ytd only)* | 62.7099% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3097% | 4,697 |
| Loan loss allowance to noncurrent loans | 62.1937% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 1.6095% | 3,959 |
| Noncurrent loans to loans | 2.1058% | 3,508 |
| Net loans and leases to total assets | 75.4285% | 1,940 |
| Net loans and leases to deposits | 85.3148% | 3,023 |
| Net loans and leases to core deposits | 108.1895% | 3,085 |
| Total domestic deposits to total assets | 88.4119% | 1,767 |
| Equity capital to assets | 10.1453% | 3,567 |
| Core capital (leverage) ratio | 9.6963% | 3,460 |
| Tier 1 risk-based capital ratio | 12.7967% | 4,287 |
| Total risk-based capital ratio | 14.0487% | 4,234 |
| Memoranda: | ||
| Average total assets | $321,476,000 | 2,107 |
| Average earning assets | $300,271,200 | 2,071 |
| Average equity | $32,697,800 | 2,044 |
| Average total loans | $252,327,800 | 1,879 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5888% | 3,932 |
| Cost of funding earning assets | 1.7080% | 4,856 |
| Net interest margin | 3.8808% | 3,304 |
| Noninterest income to average assets | 1.0780% | 1,365 |
| Noninterest expense to average assets | 3.6673% | 1,895 |
| Loan and lease loss provision to assets | 0.5301% | 3,264 |
| Net operating income to assets | 0.3610% | 4,550 |
| Return on assets (ROA) | 0.3754% | 4,599 |
| Pretax return on assets | 0.5284% | 4,428 |
| Return on Equity (ROE) | 3.6886% | 4,505 |
| Retained earnings to average equity (ytd only) | 1.1805% | 4,664 |
| Net charge-offs to loans | 0.2584% | 4,438 |
| Credit loss provision to net charge-offs | 259.6741% | 1,647 |
| Earnings coverage of net charge-offs (x) | 5.0855% | 2,929 |
| Efficiency ratio | 77.9378% | 3,179 |
| Assets per employee ($millions) | 3.5762% | 4,741 |
| Cash dividends to net income (ytd only)* | 67.9959% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 4,678 |
| Loan loss allowance to noncurrent loans | 53.6147% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 1.8480% | 3,587 |
| Noncurrent loans to loans | 2.3704% | 3,181 |
| Net loans and leases to total assets | 76.9734% | 1,790 |
| Net loans and leases to deposits | 86.9163% | 3,154 |
| Net loans and leases to core deposits | 109.9468% | 3,244 |
| Total domestic deposits to total assets | 88.5603% | 1,406 |
| Equity capital to assets | 10.2136% | 3,834 |
| Core capital (leverage) ratio | 9.6151% | 3,768 |
| Tier 1 risk-based capital ratio | 12.6242% | 4,457 |
| Total risk-based capital ratio | 13.8758% | 4,403 |
| Memoranda: | ||
| Average total assets | $320,701,250 | 2,119 |
| Average earning assets | $299,761,250 | 2,093 |
| Average equity | $32,640,000 | 2,073 |
| Average total loans | $253,392,000 | 1,898 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5486% | 4,342 |
| Cost of funding earning assets | 1.7499% | 5,015 |
| Net interest margin | 3.7987% | 3,560 |
| Noninterest income to average assets | 1.0683% | 1,391 |
| Noninterest expense to average assets | 3.7144% | 1,810 |
| Loan and lease loss provision to assets | 0.6387% | 2,514 |
| Net operating income to assets | 0.2140% | 5,209 |
| Return on assets (ROA) | 0.2385% | 5,220 |
| Pretax return on assets | 0.2997% | 5,209 |
| Return on Equity (ROE) | 2.3463% | 5,163 |
| Retained earnings to average equity (ytd only) | -0.7800% | 5,421 |
| Net charge-offs to loans | 0.3391% | 3,477 |
| Credit loss provision to net charge-offs | 237.3550% | 1,960 |
| Earnings coverage of net charge-offs (x) | 3.3735% | 3,456 |
| Efficiency ratio | 80.3593% | 2,986 |
| Assets per employee ($millions) | 3.4801% | 4,863 |
| Cash dividends to net income (ytd only)* | 133.2461% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1931% | 4,996 |
| Loan loss allowance to noncurrent loans | 49.1795% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 1.8629% | 3,384 |
| Noncurrent loans to loans | 2.4259% | 2,985 |
| Net loans and leases to total assets | 75.8738% | 2,211 |
| Net loans and leases to deposits | 85.4480% | 3,658 |
| Net loans and leases to core deposits | 107.8416% | 3,629 |
| Total domestic deposits to total assets | 88.7953% | 1,376 |
| Equity capital to assets | 9.8774% | 4,114 |
| Core capital (leverage) ratio | 9.6283% | 3,731 |
| Tier 1 risk-based capital ratio | 11.8216% | 5,082 |
| Total risk-based capital ratio | 13.0165% | 5,052 |
| Memoranda: | ||
| Average total assets | $320,317,000 | 2,147 |
| Average earning assets | $299,680,000 | 2,115 |
| Average equity | $32,562,330 | 2,085 |
| Average total loans | $254,212,330 | 1,924 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6026% | 4,336 |
| Cost of funding earning assets | 1.7685% | 5,269 |
| Net interest margin | 3.8341% | 3,321 |
| Noninterest income to average assets | 1.0527% | 1,336 |
| Noninterest expense to average assets | 3.6212% | 1,817 |
| Loan and lease loss provision to assets | 0.3181% | 3,427 |
| Net operating income to assets | 0.4830% | 4,501 |
| Return on assets (ROA) | 0.5251% | 4,504 |
| Pretax return on assets | 0.7762% | 4,163 |
| Return on Equity (ROE) | 5.0906% | 4,438 |
| Retained earnings to average equity (ytd only) | 1.2115% | 5,156 |
| Net charge-offs to loans | 0.2972% | 2,923 |
| Credit loss provision to net charge-offs | 132.6316% | 3,049 |
| Earnings coverage of net charge-offs (x) | 4.3053% | 2,915 |
| Efficiency ratio | 77.8139% | 3,198 |
| Assets per employee ($millions) | 3.4174% | 5,027 |
| Cash dividends to net income (ytd only)* | 76.2019% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 6,364 |
| Loan loss allowance to noncurrent loans | 43.0842% | 5,659 |
| Noncurrent assets plus other real estate owned to assets | 1.8016% | 3,212 |
| Noncurrent loans to loans | 2.2535% | 2,927 |
| Net loans and leases to total assets | 79.1723% | 1,543 |
| Net loans and leases to deposits | 89.3657% | 3,037 |
| Net loans and leases to core deposits | 112.8317% | 3,128 |
| Total domestic deposits to total assets | 88.5936% | 1,431 |
| Equity capital to assets | 10.2759% | 3,674 |
| Core capital (leverage) ratio | 9.9084% | 3,510 |
| Tier 1 risk-based capital ratio | 11.8893% | 5,051 |
| Total risk-based capital ratio | 12.8784% | 5,186 |
| Memoranda: | ||
| Average total assets | $316,910,500 | 2,174 |
| Average earning assets | $297,646,500 | 2,136 |
| Average equity | $32,687,500 | 2,074 |
| Average total loans | $255,717,000 | 1,928 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3286% | 3,801 |
| Cost of funding earning assets | 2.1728% | 5,717 |
| Net interest margin | 4.1558% | 2,480 |
| Noninterest income to average assets | 1.5169% | 609 |
| Noninterest expense to average assets | 3.4950% | 2,411 |
| Loan and lease loss provision to assets | 0.3964% | 3,314 |
| Net operating income to assets | 0.9793% | 2,638 |
| Return on assets (ROA) | 0.8996% | 2,843 |
| Pretax return on assets | 1.3792% | 2,032 |
| Return on Equity (ROE) | 8.9227% | 2,666 |
| Retained earnings to average equity (ytd only) | 4.8082% | 2,141 |
| Net charge-offs to loans | 0.3107% | 3,316 |
| Credit loss provision to net charge-offs | 162.5815% | 3,177 |
| Earnings coverage of net charge-offs (x) | 7.7862% | 3,026 |
| Efficiency ratio | 64.8023% | 5,372 |
| Assets per employee ($millions) | 3.4348% | 4,841 |
| Cash dividends to net income (ytd only)* | 46.1131% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9346% | 6,482 |
| Loan loss allowance to noncurrent loans | 49.2626% | 5,538 |
| Noncurrent assets plus other real estate owned to assets | 1.5449% | 3,131 |
| Noncurrent loans to loans | 1.8971% | 2,909 |
| Net loans and leases to total assets | 80.6759% | 1,511 |
| Net loans and leases to deposits | 91.6917% | 3,191 |
| Net loans and leases to core deposits | 114.5832% | 3,272 |
| Total domestic deposits to total assets | 87.9860% | 1,476 |
| Equity capital to assets | 10.3532% | 3,662 |
| Core capital (leverage) ratio | 9.8071% | 3,638 |
| Tier 1 risk-based capital ratio | 11.9416% | 4,867 |
| Total risk-based capital ratio | 12.9142% | 4,983 |
| Memoranda: | ||
| Average total assets | $314,594,400 | 2,126 |
| Average earning assets | $293,446,800 | 2,087 |
| Average equity | $31,716,800 | 2,134 |
| Average total loans | $246,893,000 | 1,925 |