Home > Capital Bank > Performance and Condition Ratios
Capital Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6459% | 97 |
| Cost of funding earning assets | 1.9789% | 941 |
| Net interest margin | 6.6670% | 70 |
| Noninterest income to average assets | 1.1500% | 518 |
| Noninterest expense to average assets | 5.0921% | 222 |
| Loan and lease loss provision to assets | 0.4300% | 224 |
| Net operating income to assets | 1.5558% | 928 |
| Return on assets (ROA) | 1.5558% | 898 |
| Pretax return on assets | 2.0051% | 668 |
| Return on Equity (ROE) | 17.0700% | 938 |
| Retained earnings to average equity (ytd only) | 13.7804% | 420 |
| Net charge-offs to loans | 0.4754% | 220 |
| Credit loss provision to net charge-offs | 111.9792% | 1,743 |
| Earnings coverage of net charge-offs (x) | 6.2368% | 2,483 |
| Efficiency ratio | 67.6213% | 2,150 |
| Assets per employee ($millions) | 7.6368% | 1,632 |
| Cash dividends to net income (ytd only)* | 19.2770% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5026% | 1,044 |
| Loan loss allowance to noncurrent loans | 169.7679% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.7581% | 680 |
| Noncurrent loans to loans | 0.8851% | 853 |
| Net loans and leases to total assets | 84.3600% | 247 |
| Net loans and leases to deposits | 96.6230% | 737 |
| Net loans and leases to core deposits | 112.4260% | 874 |
| Total domestic deposits to total assets | 87.3100% | 1,584 |
| Equity capital to assets | 9.9103% | 2,060 |
| Core capital (leverage) ratio | 10.5110% | 2,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8137% | 1,593 |
| Memoranda: | ||
| Average total assets | $2,167,304,200 | 526 |
| Average earning assets | $2,073,419,800 | 504 |
| Average equity | $197,520,200 | 546 |
| Average total loans | $1,782,286,400 | 446 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5756% | 96 |
| Cost of funding earning assets | 1.8746% | 897 |
| Net interest margin | 6.7010% | 62 |
| Noninterest income to average assets | 1.1700% | 511 |
| Noninterest expense to average assets | 5.1367% | 221 |
| Loan and lease loss provision to assets | 0.4100% | 203 |
| Net operating income to assets | 1.5564% | 1,007 |
| Return on assets (ROA) | 1.5564% | 1,005 |
| Pretax return on assets | 2.0338% | 725 |
| Return on Equity (ROE) | 17.4600% | 1,016 |
| Retained earnings to average equity (ytd only) | 12.9699% | 818 |
| Net charge-offs to loans | 0.4538% | 186 |
| Credit loss provision to net charge-offs | 111.2742% | 1,540 |
| Earnings coverage of net charge-offs (x) | 6.6212% | 2,276 |
| Efficiency ratio | 67.7519% | 2,040 |
| Assets per employee ($millions) | 7.8878% | 1,406 |
| Cash dividends to net income (ytd only)* | 25.7202% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 1,058 |
| Loan loss allowance to noncurrent loans | 178.1204% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.6984% | 816 |
| Noncurrent loans to loans | 0.8533% | 971 |
| Net loans and leases to total assets | 80.6000% | 580 |
| Net loans and leases to deposits | 90.8102% | 1,165 |
| Net loans and leases to core deposits | 104.0273% | 1,120 |
| Total domestic deposits to total assets | 88.7600% | 1,328 |
| Equity capital to assets | 9.0842% | 2,374 |
| Core capital (leverage) ratio | 10.0415% | 2,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5100% | 1,713 |
| Memoranda: | ||
| Average total assets | $2,165,004,750 | 530 |
| Average earning assets | $2,070,814,750 | 503 |
| Average equity | $192,975,750 | 551 |
| Average total loans | $1,761,840,500 | 450 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4390% | 96 |
| Cost of funding earning assets | 1.7896% | 749 |
| Net interest margin | 6.6494% | 67 |
| Noninterest income to average assets | 1.1900% | 446 |
| Noninterest expense to average assets | 5.1714% | 208 |
| Loan and lease loss provision to assets | 0.4200% | 195 |
| Net operating income to assets | 1.4923% | 1,115 |
| Return on assets (ROA) | 1.4923% | 1,112 |
| Pretax return on assets | 1.9484% | 807 |
| Return on Equity (ROE) | 16.8500% | 1,124 |
| Retained earnings to average equity (ytd only) | 10.0102% | 1,401 |
| Net charge-offs to loans | 0.4838% | 168 |
| Credit loss provision to net charge-offs | 107.2835% | 1,392 |
| Earnings coverage of net charge-offs (x) | 6.0311% | 2,142 |
| Efficiency ratio | 68.5734% | 1,912 |
| Assets per employee ($millions) | 7.4712% | 1,620 |
| Cash dividends to net income (ytd only)* | 40.6072% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5044% | 1,167 |
| Loan loss allowance to noncurrent loans | 169.1629% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.7346% | 695 |
| Noncurrent loans to loans | 0.8893% | 861 |
| Net loans and leases to total assets | 81.3600% | 485 |
| Net loans and leases to deposits | 91.3130% | 1,076 |
| Net loans and leases to core deposits | 104.6047% | 1,029 |
| Total domestic deposits to total assets | 89.1000% | 1,221 |
| Equity capital to assets | 8.9301% | 2,566 |
| Core capital (leverage) ratio | 9.7749% | 2,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0756% | 1,862 |
| Memoranda: | ||
| Average total assets | $2,145,223,667 | 524 |
| Average earning assets | $2,050,669,667 | 495 |
| Average equity | $189,946,000 | 550 |
| Average total loans | $1,742,293,667 | 439 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3470% | 52 |
| Cost of funding earning assets | 1.7218% | 542 |
| Net interest margin | 6.6253% | 63 |
| Noninterest income to average assets | 1.1300% | 482 |
| Noninterest expense to average assets | 4.8829% | 232 |
| Loan and lease loss provision to assets | 0.3100% | 269 |
| Net operating income to assets | 1.7449% | 754 |
| Return on assets (ROA) | 1.7449% | 745 |
| Pretax return on assets | 2.2702% | 516 |
| Return on Equity (ROE) | 19.7900% | 793 |
| Retained earnings to average equity (ytd only) | 13.4048% | 1,028 |
| Net charge-offs to loans | 0.6139% | 132 |
| Credit loss provision to net charge-offs | 63.0460% | 1,271 |
| Earnings coverage of net charge-offs (x) | 5.2233% | 1,823 |
| Efficiency ratio | 65.4134% | 2,282 |
| Assets per employee ($millions) | 7.9119% | 1,394 |
| Cash dividends to net income (ytd only)* | 32.2754% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4746% | 1,357 |
| Loan loss allowance to noncurrent loans | 158.7332% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.7398% | 657 |
| Noncurrent loans to loans | 0.9290% | 809 |
| Net loans and leases to total assets | 78.4600% | 719 |
| Net loans and leases to deposits | 88.3765% | 1,175 |
| Net loans and leases to core deposits | 104.1695% | 914 |
| Total domestic deposits to total assets | 88.7800% | 1,623 |
| Equity capital to assets | 8.7878% | 2,669 |
| Core capital (leverage) ratio | 9.7770% | 2,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0927% | 1,949 |
| Memoranda: | ||
| Average total assets | $2,130,771,500 | 537 |
| Average earning assets | $2,036,986,000 | 510 |
| Average equity | $187,843,500 | 561 |
| Average total loans | $1,715,505,000 | 451 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5393% | 37 |
| Cost of funding earning assets | 0.4838% | 1,502 |
| Net interest margin | 7.0555% | 32 |
| Noninterest income to average assets | 1.4400% | 361 |
| Noninterest expense to average assets | 5.3084% | 197 |
| Loan and lease loss provision to assets | 0.3200% | 245 |
| Net operating income to assets | 1.9655% | 321 |
| Return on assets (ROA) | 1.9646% | 308 |
| Pretax return on assets | 2.5462% | 202 |
| Return on Equity (ROE) | 23.1400% | 276 |
| Retained earnings to average equity (ytd only) | 16.5765% | 199 |
| Net charge-offs to loans | 0.3374% | 225 |
| Credit loss provision to net charge-offs | 122.1854% | 1,448 |
| Earnings coverage of net charge-offs (x) | 10.8272% | 2,176 |
| Efficiency ratio | 64.8955% | 2,375 |
| Assets per employee ($millions) | 6.9931% | 1,981 |
| Cash dividends to net income (ytd only)* | 28.3582% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5368% | 1,102 |
| Loan loss allowance to noncurrent loans | 267.6240% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.4676% | 1,086 |
| Noncurrent loans to loans | 0.5742% | 1,294 |
| Net loans and leases to total assets | 80.1800% | 573 |
| Net loans and leases to deposits | 94.3931% | 757 |
| Net loans and leases to core deposits | 108.4640% | 660 |
| Total domestic deposits to total assets | 84.9500% | 3,002 |
| Equity capital to assets | 8.8454% | 2,458 |
| Core capital (leverage) ratio | 9.4696% | 3,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2094% | 1,891 |
| Memoranda: | ||
| Average total assets | $2,046,269,800 | 537 |
| Average earning assets | $1,956,104,800 | 513 |
| Average equity | $173,740,000 | 595 |
| Average total loans | $1,608,511,200 | 446 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3063% | 34 |
| Cost of funding earning assets | 0.2349% | 2,873 |
| Net interest margin | 7.0714% | 28 |
| Noninterest income to average assets | 1.5600% | 347 |
| Noninterest expense to average assets | 5.3586% | 200 |
| Loan and lease loss provision to assets | 0.2800% | 264 |
| Net operating income to assets | 2.0707% | 261 |
| Return on assets (ROA) | 2.0694% | 262 |
| Pretax return on assets | 2.6830% | 175 |
| Return on Equity (ROE) | 24.6300% | 195 |
| Retained earnings to average equity (ytd only) | 18.0998% | 160 |
| Net charge-offs to loans | 0.2800% | 238 |
| Credit loss provision to net charge-offs | 127.3000% | 1,188 |
| Earnings coverage of net charge-offs (x) | 13.5844% | 1,879 |
| Efficiency ratio | 64.3999% | 2,490 |
| Assets per employee ($millions) | 6.8998% | 2,019 |
| Cash dividends to net income (ytd only)* | 26.5252% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5928% | 1,076 |
| Loan loss allowance to noncurrent loans | 300.7986% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.4345% | 1,253 |
| Noncurrent loans to loans | 0.5295% | 1,478 |
| Net loans and leases to total assets | 80.7500% | 467 |
| Net loans and leases to deposits | 91.0412% | 822 |
| Net loans and leases to core deposits | 96.6502% | 970 |
| Total domestic deposits to total assets | 88.7000% | 2,212 |
| Equity capital to assets | 8.9978% | 2,219 |
| Core capital (leverage) ratio | 9.6006% | 2,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6500% | 1,829 |
| Memoranda: | ||
| Average total assets | $2,040,348,500 | 538 |
| Average earning assets | $1,951,953,750 | 513 |
| Average equity | $171,401,250 | 612 |
| Average total loans | $1,589,218,500 | 447 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0157% | 35 |
| Cost of funding earning assets | 0.1972% | 2,951 |
| Net interest margin | 6.8185% | 30 |
| Noninterest income to average assets | 1.6127% | 302 |
| Noninterest expense to average assets | 5.2308% | 161 |
| Loan and lease loss provision to assets | 0.2890% | 230 |
| Net operating income to assets | 2.0158% | 223 |
| Return on assets (ROA) | 2.0149% | 225 |
| Pretax return on assets | 2.6149% | 146 |
| Return on Equity (ROE) | 24.5366% | 127 |
| Retained earnings to average equity (ytd only) | 18.1747% | 109 |
| Net charge-offs to loans | 0.2210% | 293 |
| Credit loss provision to net charge-offs | 170.7833% | 1,042 |
| Earnings coverage of net charge-offs (x) | 17.1687% | 1,608 |
| Efficiency ratio | 64.2932% | 2,739 |
| Assets per employee ($millions) | 7.5567% | 1,574 |
| Cash dividends to net income (ytd only)* | 25.9279% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6320% | 1,083 |
| Loan loss allowance to noncurrent loans | 357.2648% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.3444% | 1,625 |
| Noncurrent loans to loans | 0.4568% | 1,744 |
| Net loans and leases to total assets | 74.1620% | 901 |
| Net loans and leases to deposits | 82.7118% | 1,197 |
| Net loans and leases to core deposits | 87.7495% | 1,235 |
| Total domestic deposits to total assets | 89.6631% | 1,860 |
| Equity capital to assets | 8.1727% | 2,990 |
| Core capital (leverage) ratio | 9.1083% | 3,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3438% | 1,921 |
| Memoranda: | ||
| Average total assets | $2,067,279,667 | 530 |
| Average earning assets | $1,977,754,000 | 513 |
| Average equity | $169,763,000 | 625 |
| Average total loans | $1,582,949,333 | 441 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8700% | 39 |
| Cost of funding earning assets | 0.1913% | 2,926 |
| Net interest margin | 6.6788% | 33 |
| Noninterest income to average assets | 1.6236% | 320 |
| Noninterest expense to average assets | 5.2868% | 156 |
| Loan and lease loss provision to assets | 0.1862% | 405 |
| Net operating income to assets | 1.8964% | 274 |
| Return on assets (ROA) | 1.8945% | 277 |
| Pretax return on assets | 2.5224% | 176 |
| Return on Equity (ROE) | 23.0138% | 125 |
| Retained earnings to average equity (ytd only) | 15.8917% | 240 |
| Net charge-offs to loans | 0.2231% | 278 |
| Credit loss provision to net charge-offs | 108.1725% | 972 |
| Earnings coverage of net charge-offs (x) | 15.7457% | 1,345 |
| Efficiency ratio | 66.1030% | 2,761 |
| Assets per employee ($millions) | 7.7589% | 1,518 |
| Cash dividends to net income (ytd only)* | 30.9470% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5967% | 1,279 |
| Loan loss allowance to noncurrent loans | 420.1119% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.2836% | 1,988 |
| Noncurrent loans to loans | 0.3801% | 2,129 |
| Net loans and leases to total assets | 73.4236% | 705 |
| Net loans and leases to deposits | 81.8778% | 1,023 |
| Net loans and leases to core deposits | 86.7586% | 1,090 |
| Total domestic deposits to total assets | 89.6747% | 1,729 |
| Equity capital to assets | 8.1117% | 3,484 |
| Core capital (leverage) ratio | 8.7357% | 3,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3516% | 2,056 |
| Memoranda: | ||
| Average total assets | $2,046,754,500 | 539 |
| Average earning assets | $1,953,410,500 | 522 |
| Average equity | $168,490,500 | 646 |
| Average total loans | $1,579,664,000 | 442 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1777% | 74 |
| Cost of funding earning assets | 0.3070% | 2,339 |
| Net interest margin | 5.8707% | 57 |
| Noninterest income to average assets | 2.4766% | 236 |
| Noninterest expense to average assets | 5.3919% | 152 |
| Loan and lease loss provision to assets | 0.1617% | 731 |
| Net operating income to assets | 1.9119% | 401 |
| Return on assets (ROA) | 1.9183% | 416 |
| Pretax return on assets | 2.5890% | 228 |
| Return on Equity (ROE) | 25.5620% | 110 |
| Retained earnings to average equity (ytd only) | 21.3028% | 44 |
| Net charge-offs to loans | 0.1008% | 853 |
| Credit loss provision to net charge-offs | 203.9058% | 1,295 |
| Earnings coverage of net charge-offs (x) | 34.5766% | 1,513 |
| Efficiency ratio | 66.2844% | 2,225 |
| Assets per employee ($millions) | 7.7170% | 1,485 |
| Cash dividends to net income (ytd only)* | 16.6624% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5364% | 1,437 |
| Loan loss allowance to noncurrent loans | 220.9679% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.5593% | 1,185 |
| Noncurrent loans to loans | 0.6953% | 1,448 |
| Net loans and leases to total assets | 78.5995% | 348 |
| Net loans and leases to deposits | 88.0416% | 649 |
| Net loans and leases to core deposits | 93.6579% | 796 |
| Total domestic deposits to total assets | 89.2754% | 1,366 |
| Equity capital to assets | 8.3564% | 4,140 |
| Core capital (leverage) ratio | 8.3574% | 4,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7906% | 2,326 |
| Memoranda: | ||
| Average total assets | $2,033,545,800 | 521 |
| Average earning assets | $1,959,840,000 | 506 |
| Average equity | $152,609,200 | 702 |
| Average total loans | $1,600,269,200 | 444 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9442% | 95 |
| Cost of funding earning assets | 0.3400% | 2,202 |
| Net interest margin | 5.6043% | 83 |
| Noninterest income to average assets | 2.6030% | 234 |
| Noninterest expense to average assets | 5.3173% | 153 |
| Loan and lease loss provision to assets | 0.1432% | 790 |
| Net operating income to assets | 1.9008% | 557 |
| Return on assets (ROA) | 1.9093% | 570 |
| Pretax return on assets | 2.5770% | 292 |
| Return on Equity (ROE) | 26.1756% | 148 |
| Retained earnings to average equity (ytd only) | 21.2436% | 96 |
| Net charge-offs to loans | 0.0785% | 880 |
| Credit loss provision to net charge-offs | 232.6249% | 1,137 |
| Earnings coverage of net charge-offs (x) | 44.0191% | 1,303 |
| Efficiency ratio | 66.2454% | 2,071 |
| Assets per employee ($millions) | 7.7980% | 1,380 |
| Cash dividends to net income (ytd only)* | 18.8421% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5373% | 1,503 |
| Loan loss allowance to noncurrent loans | 177.4026% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.7470% | 975 |
| Noncurrent loans to loans | 0.8665% | 1,328 |
| Net loans and leases to total assets | 73.0322% | 773 |
| Net loans and leases to deposits | 80.9217% | 1,199 |
| Net loans and leases to core deposits | 86.5738% | 1,252 |
| Total domestic deposits to total assets | 90.2505% | 656 |
| Equity capital to assets | 7.5691% | 4,689 |
| Core capital (leverage) ratio | 7.8317% | 4,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8616% | 2,410 |
| Memoranda: | ||
| Average total assets | $2,038,399,500 | 523 |
| Average earning assets | $1,972,730,500 | 503 |
| Average equity | $148,684,500 | 727 |
| Average total loans | $1,598,386,750 | 445 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6403% | 142 |
| Cost of funding earning assets | 0.3790% | 2,057 |
| Net interest margin | 5.2613% | 126 |
| Noninterest income to average assets | 2.7086% | 219 |
| Noninterest expense to average assets | 5.2554% | 163 |
| Loan and lease loss provision to assets | 0.1209% | 1,048 |
| Net operating income to assets | 1.8044% | 706 |
| Return on assets (ROA) | 1.8176% | 726 |
| Pretax return on assets | 2.4546% | 383 |
| Return on Equity (ROE) | 25.2550% | 184 |
| Retained earnings to average equity (ytd only) | 21.7956% | 116 |
| Net charge-offs to loans | 0.0798% | 873 |
| Credit loss provision to net charge-offs | 189.6875% | 1,067 |
| Earnings coverage of net charge-offs (x) | 40.1453% | 1,164 |
| Efficiency ratio | 67.2550% | 1,975 |
| Assets per employee ($millions) | 8.0617% | 1,180 |
| Cash dividends to net income (ytd only)* | 13.6979% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4632% | 1,713 |
| Loan loss allowance to noncurrent loans | 291.6100% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.4864% | 1,721 |
| Noncurrent loans to loans | 0.5018% | 2,174 |
| Net loans and leases to total assets | 74.9586% | 678 |
| Net loans and leases to deposits | 82.6202% | 1,160 |
| Net loans and leases to core deposits | 88.9875% | 1,208 |
| Total domestic deposits to total assets | 90.7267% | 470 |
| Equity capital to assets | 7.1735% | 4,810 |
| Core capital (leverage) ratio | 7.5795% | 4,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5104% | 2,543 |
| Memoranda: | ||
| Average total assets | $2,008,248,667 | 526 |
| Average earning assets | $1,948,805,333 | 505 |
| Average equity | $144,534,000 | 744 |
| Average total loans | $1,604,841,667 | 448 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5124% | 191 |
| Cost of funding earning assets | 0.4326% | 1,846 |
| Net interest margin | 5.0798% | 169 |
| Noninterest income to average assets | 2.8601% | 218 |
| Noninterest expense to average assets | 5.2657% | 158 |
| Loan and lease loss provision to assets | 0.0887% | 1,489 |
| Net operating income to assets | 1.8205% | 755 |
| Return on assets (ROA) | 1.8205% | 807 |
| Pretax return on assets | 2.4591% | 466 |
| Return on Equity (ROE) | 25.2498% | 250 |
| Retained earnings to average equity (ytd only) | 23.8289% | 161 |
| Net charge-offs to loans | 0.0970% | 699 |
| Credit loss provision to net charge-offs | 111.5979% | 1,067 |
| Earnings coverage of net charge-offs (x) | 32.0490% | 1,069 |
| Efficiency ratio | 67.3922% | 2,016 |
| Assets per employee ($millions) | 7.7639% | 1,303 |
| Cash dividends to net income (ytd only)* | 5.6275% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4367% | 1,822 |
| Loan loss allowance to noncurrent loans | 265.1230% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.5336% | 1,779 |
| Noncurrent loans to loans | 0.5419% | 2,235 |
| Net loans and leases to total assets | 76.9273% | 543 |
| Net loans and leases to deposits | 84.9213% | 1,056 |
| Net loans and leases to core deposits | 92.4329% | 1,089 |
| Total domestic deposits to total assets | 90.5866% | 547 |
| Equity capital to assets | 7.0118% | 4,842 |
| Core capital (leverage) ratio | 7.5408% | 4,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5476% | 2,473 |
| Memoranda: | ||
| Average total assets | $1,952,260,500 | 532 |
| Average earning assets | $1,903,694,500 | 508 |
| Average equity | $140,753,500 | 759 |
| Average total loans | $1,600,816,500 | 453 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8180% | 114 |
| Cost of funding earning assets | 0.7411% | 1,503 |
| Net interest margin | 5.0769% | 107 |
| Noninterest income to average assets | 3.6531% | 149 |
| Noninterest expense to average assets | 5.8853% | 135 |
| Loan and lease loss provision to assets | 0.6669% | 262 |
| Net operating income to assets | 1.5092% | 791 |
| Return on assets (ROA) | 1.5101% | 856 |
| Pretax return on assets | 2.0582% | 405 |
| Return on Equity (ROE) | 20.1900% | 225 |
| Retained earnings to average equity (ytd only) | 15.7889% | 124 |
| Net charge-offs to loans | 0.0775% | 1,703 |
| Credit loss provision to net charge-offs | 1,005.5957% | 776 |
| Earnings coverage of net charge-offs (x) | 41.0740% | 1,362 |
| Efficiency ratio | 68.3611% | 2,188 |
| Assets per employee ($millions) | 7.7609% | 1,138 |
| Cash dividends to net income (ytd only)* | 21.7986% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4429% | 1,804 |
| Loan loss allowance to noncurrent loans | 255.1923% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.6135% | 1,721 |
| Noncurrent loans to loans | 0.5654% | 2,288 |
| Net loans and leases to total assets | 85.1506% | 125 |
| Net loans and leases to deposits | 94.9973% | 601 |
| Net loans and leases to core deposits | 109.8985% | 512 |
| Total domestic deposits to total assets | 89.6348% | 711 |
| Equity capital to assets | 7.4303% | 4,853 |
| Core capital (leverage) ratio | 7.4600% | 4,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5935% | 2,775 |
| Memoranda: | ||
| Average total assets | $1,670,815,800 | 563 |
| Average earning assets | $1,631,017,800 | 532 |
| Average equity | $124,967,800 | 790 |
| Average total loans | $1,429,571,400 | 467 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6411% | 171 |
| Cost of funding earning assets | 0.8070% | 1,465 |
| Net interest margin | 4.8341% | 190 |
| Noninterest income to average assets | 3.4115% | 159 |
| Noninterest expense to average assets | 5.6106% | 147 |
| Loan and lease loss provision to assets | 0.7548% | 261 |
| Net operating income to assets | 1.2870% | 1,386 |
| Return on assets (ROA) | 1.2870% | 1,493 |
| Pretax return on assets | 1.7666% | 834 |
| Return on Equity (ROE) | 17.1745% | 428 |
| Retained earnings to average equity (ytd only) | 14.9869% | 201 |
| Net charge-offs to loans | 0.0474% | 1,937 |
| Credit loss provision to net charge-offs | 1,867.9513% | 513 |
| Earnings coverage of net charge-offs (x) | 62.3996% | 1,072 |
| Efficiency ratio | 68.9942% | 2,039 |
| Assets per employee ($millions) | 7.8214% | 1,067 |
| Cash dividends to net income (ytd only)* | 12.7372% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3703% | 1,874 |
| Loan loss allowance to noncurrent loans | 197.5430% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.7204% | 1,619 |
| Noncurrent loans to loans | 0.6937% | 2,057 |
| Net loans and leases to total assets | 84.6456% | 231 |
| Net loans and leases to deposits | 93.8899% | 931 |
| Net loans and leases to core deposits | 106.7522% | 818 |
| Total domestic deposits to total assets | 90.1540% | 374 |
| Equity capital to assets | 7.0886% | 4,938 |
| Core capital (leverage) ratio | 7.4424% | 4,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7434% | 2,707 |
| Memoranda: | ||
| Average total assets | $1,626,745,500 | 565 |
| Average earning assets | $1,588,508,250 | 534 |
| Average equity | $121,898,750 | 802 |
| Average total loans | $1,388,004,000 | 471 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6134% | 272 |
| Cost of funding earning assets | 0.9055% | 1,352 |
| Net interest margin | 4.7079% | 333 |
| Noninterest income to average assets | 2.6262% | 205 |
| Noninterest expense to average assets | 5.1893% | 174 |
| Loan and lease loss provision to assets | 0.7349% | 361 |
| Net operating income to assets | 0.9463% | 2,512 |
| Return on assets (ROA) | 0.9463% | 2,642 |
| Pretax return on assets | 1.3000% | 2,029 |
| Return on Equity (ROE) | 12.3633% | 1,247 |
| Retained earnings to average equity (ytd only) | 11.5224% | 527 |
| Net charge-offs to loans | 0.0499% | 1,770 |
| Credit loss provision to net charge-offs | 1,730.0000% | 549 |
| Earnings coverage of net charge-offs (x) | 47.9030% | 1,136 |
| Efficiency ratio | 71.8323% | 1,705 |
| Assets per employee ($millions) | 7.2744% | 1,288 |
| Cash dividends to net income (ytd only)* | 6.8018% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2032% | 2,499 |
| Loan loss allowance to noncurrent loans | 330.1761% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.4400% | 2,555 |
| Noncurrent loans to loans | 0.3644% | 3,099 |
| Net loans and leases to total assets | 84.2970% | 229 |
| Net loans and leases to deposits | 93.6749% | 992 |
| Net loans and leases to core deposits | 102.4005% | 1,093 |
| Total domestic deposits to total assets | 89.9889% | 403 |
| Equity capital to assets | 6.9138% | 4,983 |
| Core capital (leverage) ratio | 7.7319% | 4,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3521% | 2,870 |
| Memoranda: | ||
| Average total assets | $1,553,710,000 | 574 |
| Average earning assets | $1,517,409,667 | 547 |
| Average equity | $118,916,667 | 816 |
| Average total loans | $1,322,625,333 | 490 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0450% | 153 |
| Cost of funding earning assets | 1.0786% | 1,105 |
| Net interest margin | 4.9664% | 209 |
| Noninterest income to average assets | 1.8325% | 295 |
| Noninterest expense to average assets | 4.9452% | 233 |
| Loan and lease loss provision to assets | 0.6711% | 395 |
| Net operating income to assets | 0.7742% | 3,006 |
| Return on assets (ROA) | 0.7742% | 3,082 |
| Pretax return on assets | 1.0636% | 2,625 |
| Return on Equity (ROE) | 9.5405% | 1,895 |
| Retained earnings to average equity (ytd only) | 9.5405% | 834 |
| Net charge-offs to loans | 0.0642% | 1,375 |
| Credit loss provision to net charge-offs | 1,229.0816% | 495 |
| Earnings coverage of net charge-offs (x) | 31.7704% | 1,140 |
| Efficiency ratio | 74.0304% | 1,813 |
| Assets per employee ($millions) | 6.1446% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2361% | 2,474 |
| Loan loss allowance to noncurrent loans | 277.3623% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.5334% | 2,394 |
| Noncurrent loans to loans | 0.4457% | 2,916 |
| Net loans and leases to total assets | 82.3817% | 406 |
| Net loans and leases to deposits | 93.1842% | 1,160 |
| Net loans and leases to core deposits | 106.9716% | 1,000 |
| Total domestic deposits to total assets | 88.4074% | 923 |
| Equity capital to assets | 8.0290% | 4,964 |
| Core capital (leverage) ratio | 8.6127% | 4,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1842% | 3,047 |
| Memoranda: | ||
| Average total assets | $1,435,815,000 | 590 |
| Average earning assets | $1,401,430,500 | 560 |
| Average equity | $116,514,000 | 824 |
| Average total loans | $1,220,505,000 | 504 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8977% | 72 |
| Cost of funding earning assets | 1.2566% | 872 |
| Net interest margin | 5.6411% | 94 |
| Noninterest income to average assets | 2.0299% | 252 |
| Noninterest expense to average assets | 5.4965% | 162 |
| Loan and lease loss provision to assets | 0.2272% | 847 |
| Net operating income to assets | 1.3354% | 1,562 |
| Return on assets (ROA) | 1.3371% | 1,630 |
| Pretax return on assets | 1.8027% | 928 |
| Return on Equity (ROE) | 15.7369% | 570 |
| Retained earnings to average equity (ytd only) | 12.3222% | 219 |
| Net charge-offs to loans | 0.0734% | 2,040 |
| Credit loss provision to net charge-offs | 343.4837% | 812 |
| Earnings coverage of net charge-offs (x) | 30.6529% | 1,561 |
| Efficiency ratio | 73.0508% | 1,725 |
| Assets per employee ($millions) | 6.0736% | 1,583 |
| Cash dividends to net income (ytd only)* | 21.6987% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 3,088 |
| Loan loss allowance to noncurrent loans | 277.3698% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.5060% | 2,392 |
| Noncurrent loans to loans | 0.3868% | 3,049 |
| Net loans and leases to total assets | 85.7544% | 179 |
| Net loans and leases to deposits | 97.5170% | 793 |
| Net loans and leases to core deposits | 116.7520% | 572 |
| Total domestic deposits to total assets | 87.9379% | 1,152 |
| Equity capital to assets | 8.2055% | 5,008 |
| Core capital (leverage) ratio | 8.6493% | 4,759 |
| Tier 1 risk-based capital ratio | 10.7293% | 4,956 |
| Total risk-based capital ratio | 11.9803% | 4,863 |
| Memoranda: | ||
| Average total assets | $1,206,321,600 | 655 |
| Average earning assets | $1,174,955,400 | 618 |
| Average equity | $102,498,000 | 881 |
| Average total loans | $1,087,230,800 | 533 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0148% | 69 |
| Cost of funding earning assets | 1.2572% | 891 |
| Net interest margin | 5.7576% | 82 |
| Noninterest income to average assets | 1.9804% | 273 |
| Noninterest expense to average assets | 5.5948% | 151 |
| Loan and lease loss provision to assets | 0.2093% | 836 |
| Net operating income to assets | 1.3074% | 1,826 |
| Return on assets (ROA) | 1.3097% | 1,898 |
| Pretax return on assets | 1.7841% | 1,126 |
| Return on Equity (ROE) | 15.2571% | 721 |
| Retained earnings to average equity (ytd only) | 10.5655% | 611 |
| Net charge-offs to loans | 0.0466% | 2,170 |
| Credit loss provision to net charge-offs | 492.9539% | 641 |
| Earnings coverage of net charge-offs (x) | 46.8751% | 1,243 |
| Efficiency ratio | 73.7594% | 1,607 |
| Assets per employee ($millions) | 5.7653% | 1,793 |
| Cash dividends to net income (ytd only)* | 30.7503% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 3,194 |
| Loan loss allowance to noncurrent loans | 192.0559% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.5225% | 2,439 |
| Noncurrent loans to loans | 0.5552% | 2,636 |
| Net loans and leases to total assets | 91.0194% | 28 |
| Net loans and leases to deposits | 104.1125% | 406 |
| Net loans and leases to core deposits | 125.6652% | 376 |
| Total domestic deposits to total assets | 87.4241% | 1,297 |
| Equity capital to assets | 8.2062% | 5,090 |
| Core capital (leverage) ratio | 8.5975% | 4,890 |
| Tier 1 risk-based capital ratio | 10.1941% | 5,154 |
| Total risk-based capital ratio | 11.4452% | 5,081 |
| Memoranda: | ||
| Average total assets | $1,158,668,500 | 684 |
| Average earning assets | $1,127,916,750 | 642 |
| Average equity | $99,466,250 | 907 |
| Average total loans | $1,056,307,250 | 544 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9061% | 77 |
| Cost of funding earning assets | 1.2420% | 891 |
| Net interest margin | 5.6642% | 94 |
| Noninterest income to average assets | 1.7838% | 313 |
| Noninterest expense to average assets | 5.4315% | 167 |
| Loan and lease loss provision to assets | 0.1336% | 1,392 |
| Net operating income to assets | 1.2745% | 1,866 |
| Return on assets (ROA) | 1.2782% | 1,916 |
| Pretax return on assets | 1.7362% | 1,199 |
| Return on Equity (ROE) | 14.6447% | 843 |
| Retained earnings to average equity (ytd only) | 8.5078% | 1,200 |
| Net charge-offs to loans | 0.0377% | 2,130 |
| Credit loss provision to net charge-offs | 389.5833% | 734 |
| Earnings coverage of net charge-offs (x) | 54.4063% | 1,040 |
| Efficiency ratio | 74.4390% | 1,590 |
| Assets per employee ($millions) | 5.5198% | 1,949 |
| Cash dividends to net income (ytd only)* | 41.9053% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0855% | 3,143 |
| Loan loss allowance to noncurrent loans | 170.4362% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.5809% | 2,272 |
| Noncurrent loans to loans | 0.6369% | 2,347 |
| Net loans and leases to total assets | 88.2871% | 98 |
| Net loans and leases to deposits | 101.7853% | 558 |
| Net loans and leases to core deposits | 122.3782% | 478 |
| Total domestic deposits to total assets | 86.7386% | 1,710 |
| Equity capital to assets | 8.3983% | 5,080 |
| Core capital (leverage) ratio | 8.9106% | 4,703 |
| Tier 1 risk-based capital ratio | 10.6513% | 5,054 |
| Total risk-based capital ratio | 11.9025% | 4,967 |
| Memoranda: | ||
| Average total assets | $1,120,179,330 | 703 |
| Average earning assets | $1,090,217,000 | 666 |
| Average equity | $97,769,000 | 911 |
| Average total loans | $1,017,673,000 | 563 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7799% | 86 |
| Cost of funding earning assets | 1.2533% | 760 |
| Net interest margin | 5.5266% | 115 |
| Noninterest income to average assets | 1.5129% | 379 |
| Noninterest expense to average assets | 5.2796% | 181 |
| Loan and lease loss provision to assets | 0.0263% | 3,084 |
| Net operating income to assets | 1.2025% | 2,043 |
| Return on assets (ROA) | 1.2025% | 2,095 |
| Pretax return on assets | 1.5898% | 1,495 |
| Return on Equity (ROE) | 13.4958% | 1,083 |
| Retained earnings to average equity (ytd only) | 5.1932% | 2,819 |
| Net charge-offs to loans | 0.0327% | 1,800 |
| Credit loss provision to net charge-offs | 87.6543% | 1,732 |
| Earnings coverage of net charge-offs (x) | 53.9383% | 982 |
| Efficiency ratio | 76.5637% | 1,441 |
| Assets per employee ($millions) | 5.0616% | 2,443 |
| Cash dividends to net income (ytd only)* | 61.5195% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 3,072 |
| Loan loss allowance to noncurrent loans | 158.2199% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.6548% | 2,135 |
| Noncurrent loans to loans | 0.7012% | 2,270 |
| Net loans and leases to total assets | 90.4200% | 42 |
| Net loans and leases to deposits | 101.4903% | 526 |
| Net loans and leases to core deposits | 125.4179% | 393 |
| Total domestic deposits to total assets | 89.0923% | 821 |
| Equity capital to assets | 8.9308% | 4,731 |
| Core capital (leverage) ratio | 9.0461% | 4,624 |
| Tier 1 risk-based capital ratio | 10.9761% | 4,988 |
| Total risk-based capital ratio | 12.2274% | 4,890 |
| Memoranda: | ||
| Average total assets | $1,081,369,500 | 736 |
| Average earning assets | $1,053,234,500 | 690 |
| Average equity | $96,356,000 | 917 |
| Average total loans | $991,956,000 | 580 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6968% | 72 |
| Cost of funding earning assets | 1.0007% | 743 |
| Net interest margin | 5.6960% | 90 |
| Noninterest income to average assets | 1.5684% | 383 |
| Noninterest expense to average assets | 5.1794% | 183 |
| Loan and lease loss provision to assets | 0.1890% | 1,014 |
| Net operating income to assets | 1.2711% | 1,910 |
| Return on assets (ROA) | 1.2710% | 1,909 |
| Pretax return on assets | 1.7607% | 1,024 |
| Return on Equity (ROE) | 14.6296% | 913 |
| Retained earnings to average equity (ytd only) | 9.9494% | 626 |
| Net charge-offs to loans | 0.0920% | 1,853 |
| Credit loss provision to net charge-offs | 228.1755% | 1,291 |
| Earnings coverage of net charge-offs (x) | 23.5358% | 1,845 |
| Efficiency ratio | 72.6490% | 1,821 |
| Assets per employee ($millions) | 5.2672% | 2,183 |
| Cash dividends to net income (ytd only)* | 31.9910% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 2,994 |
| Loan loss allowance to noncurrent loans | 236.3928% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.4481% | 2,773 |
| Noncurrent loans to loans | 0.4727% | 2,855 |
| Net loans and leases to total assets | 91.0040% | 43 |
| Net loans and leases to deposits | 101.9350% | 598 |
| Net loans and leases to core deposits | 130.2875% | 316 |
| Total domestic deposits to total assets | 89.2765% | 746 |
| Equity capital to assets | 8.8901% | 4,664 |
| Core capital (leverage) ratio | 9.0585% | 4,595 |
| Tier 1 risk-based capital ratio | 10.9988% | 4,984 |
| Total risk-based capital ratio | 12.2505% | 4,873 |
| Memoranda: | ||
| Average total assets | $1,045,259,400 | 736 |
| Average earning assets | $1,020,462,800 | 692 |
| Average equity | $90,809,200 | 927 |
| Average total loans | $941,718,000 | 591 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6453% | 75 |
| Cost of funding earning assets | 0.9359% | 787 |
| Net interest margin | 5.7094% | 86 |
| Noninterest income to average assets | 1.6233% | 371 |
| Noninterest expense to average assets | 5.2479% | 178 |
| Loan and lease loss provision to assets | 0.2107% | 802 |
| Net operating income to assets | 1.2474% | 2,056 |
| Return on assets (ROA) | 1.2472% | 2,064 |
| Pretax return on assets | 1.7379% | 1,183 |
| Return on Equity (ROE) | 14.4426% | 1,001 |
| Retained earnings to average equity (ytd only) | 10.3519% | 811 |
| Net charge-offs to loans | 0.1120% | 1,376 |
| Credit loss provision to net charge-offs | 209.9872% | 1,332 |
| Earnings coverage of net charge-offs (x) | 19.4250% | 2,007 |
| Efficiency ratio | 72.9210% | 1,743 |
| Assets per employee ($millions) | 5.3768% | 2,041 |
| Cash dividends to net income (ytd only)* | 28.3243% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 3,093 |
| Loan loss allowance to noncurrent loans | 255.8162% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.4196% | 3,014 |
| Noncurrent loans to loans | 0.4367% | 3,090 |
| Net loans and leases to total assets | 89.7801% | 80 |
| Net loans and leases to deposits | 104.7835% | 505 |
| Net loans and leases to core deposits | 131.7650% | 300 |
| Total domestic deposits to total assets | 85.6815% | 2,335 |
| Equity capital to assets | 8.7228% | 4,780 |
| Core capital (leverage) ratio | 9.0092% | 4,696 |
| Tier 1 risk-based capital ratio | 11.1130% | 4,983 |
| Total risk-based capital ratio | 12.3648% | 4,881 |
| Memoranda: | ||
| Average total assets | $1,037,949,000 | 740 |
| Average earning assets | $1,013,224,750 | 694 |
| Average equity | $89,630,500 | 932 |
| Average total loans | $929,925,500 | 593 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5995% | 74 |
| Cost of funding earning assets | 0.8724% | 820 |
| Net interest margin | 5.7270% | 87 |
| Noninterest income to average assets | 1.6326% | 376 |
| Noninterest expense to average assets | 5.2407% | 186 |
| Loan and lease loss provision to assets | 0.2225% | 734 |
| Net operating income to assets | 1.2583% | 1,949 |
| Return on assets (ROA) | 1.2580% | 1,948 |
| Pretax return on assets | 1.7645% | 1,054 |
| Return on Equity (ROE) | 14.6195% | 932 |
| Retained earnings to average equity (ytd only) | 11.7964% | 552 |
| Net charge-offs to loans | 0.1593% | 967 |
| Credit loss provision to net charge-offs | 156.6347% | 1,537 |
| Earnings coverage of net charge-offs (x) | 13.9891% | 2,124 |
| Efficiency ratio | 72.5041% | 1,917 |
| Assets per employee ($millions) | 5.4466% | 1,945 |
| Cash dividends to net income (ytd only)* | 19.3110% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1021% | 3,245 |
| Loan loss allowance to noncurrent loans | 318.1623% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.3295% | 3,444 |
| Noncurrent loans to loans | 0.3464% | 3,457 |
| Net loans and leases to total assets | 87.4709% | 174 |
| Net loans and leases to deposits | 98.8088% | 897 |
| Net loans and leases to core deposits | 121.8042% | 525 |
| Total domestic deposits to total assets | 88.5254% | 1,132 |
| Equity capital to assets | 8.5773% | 4,887 |
| Core capital (leverage) ratio | 8.9085% | 4,773 |
| Tier 1 risk-based capital ratio | 11.0887% | 5,006 |
| Total risk-based capital ratio | 12.3401% | 4,900 |
| Memoranda: | ||
| Average total assets | $1,029,061,330 | 746 |
| Average earning assets | $1,005,446,330 | 699 |
| Average equity | $88,552,670 | 942 |
| Average total loans | $917,698,000 | 600 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6961% | 72 |
| Cost of funding earning assets | 0.8048% | 930 |
| Net interest margin | 5.8914% | 75 |
| Noninterest income to average assets | 1.6051% | 383 |
| Noninterest expense to average assets | 5.3489% | 179 |
| Loan and lease loss provision to assets | 0.2034% | 815 |
| Net operating income to assets | 1.2524% | 1,801 |
| Return on assets (ROA) | 1.2515% | 1,815 |
| Pretax return on assets | 1.8065% | 901 |
| Return on Equity (ROE) | 14.5189% | 894 |
| Retained earnings to average equity (ytd only) | 13.3731% | 473 |
| Net charge-offs to loans | 0.1725% | 841 |
| Credit loss provision to net charge-offs | 131.7136% | 1,324 |
| Earnings coverage of net charge-offs (x) | 13.0205% | 1,774 |
| Efficiency ratio | 72.6746% | 2,093 |
| Assets per employee ($millions) | 5.3709% | 2,071 |
| Cash dividends to net income (ytd only)* | 7.8914% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 3,341 |
| Loan loss allowance to noncurrent loans | 271.2399% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.3740% | 3,330 |
| Noncurrent loans to loans | 0.4078% | 3,322 |
| Net loans and leases to total assets | 89.1014% | 89 |
| Net loans and leases to deposits | 100.2163% | 689 |
| Net loans and leases to core deposits | 122.7035% | 509 |
| Total domestic deposits to total assets | 88.9091% | 1,142 |
| Equity capital to assets | 8.7809% | 4,763 |
| Core capital (leverage) ratio | 8.8281% | 4,867 |
| Tier 1 risk-based capital ratio | 11.0452% | 5,109 |
| Total risk-based capital ratio | 12.2965% | 5,010 |
| Memoranda: | ||
| Average total assets | $1,012,544,500 | 754 |
| Average earning assets | $989,106,500 | 716 |
| Average equity | $87,279,500 | 960 |
| Average total loans | $906,858,500 | 606 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0957% | 118 |
| Cost of funding earning assets | 0.7059% | 992 |
| Net interest margin | 5.3898% | 123 |
| Noninterest income to average assets | 1.9138% | 316 |
| Noninterest expense to average assets | 5.3733% | 179 |
| Loan and lease loss provision to assets | 0.2777% | 641 |
| Net operating income to assets | 0.7863% | 3,224 |
| Return on assets (ROA) | 0.7863% | 3,261 |
| Pretax return on assets | 1.5395% | 1,490 |
| Return on Equity (ROE) | 8.8933% | 2,361 |
| Retained earnings to average equity (ytd only) | 5.9951% | 1,543 |
| Net charge-offs to loans | 0.1426% | 1,647 |
| Credit loss provision to net charge-offs | 217.8015% | 1,252 |
| Earnings coverage of net charge-offs (x) | 14.2535% | 2,341 |
| Efficiency ratio | 74.7276% | 1,795 |
| Assets per employee ($millions) | 5.3484% | 2,107 |
| Cash dividends to net income (ytd only)* | 32.5885% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 3,367 |
| Loan loss allowance to noncurrent loans | 179.3072% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.5546% | 2,701 |
| Noncurrent loans to loans | 0.6126% | 2,701 |
| Net loans and leases to total assets | 88.0605% | 136 |
| Net loans and leases to deposits | 98.8572% | 830 |
| Net loans and leases to core deposits | 121.5128% | 535 |
| Total domestic deposits to total assets | 89.0785% | 972 |
| Equity capital to assets | 8.5024% | 5,121 |
| Core capital (leverage) ratio | 8.5974% | 5,045 |
| Tier 1 risk-based capital ratio | 10.8451% | 5,234 |
| Total risk-based capital ratio | 12.0965% | 5,125 |
| Memoranda: | ||
| Average total assets | $956,129,200 | 773 |
| Average earning assets | $936,089,800 | 724 |
| Average equity | $84,535,800 | 962 |
| Average total loans | $854,689,800 | 614 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2110% | 105 |
| Cost of funding earning assets | 0.6908% | 1,008 |
| Net interest margin | 5.5202% | 101 |
| Noninterest income to average assets | 2.0011% | 311 |
| Noninterest expense to average assets | 5.2661% | 195 |
| Loan and lease loss provision to assets | 0.2649% | 629 |
| Net operating income to assets | 1.1495% | 1,880 |
| Return on assets (ROA) | 1.1495% | 1,934 |
| Pretax return on assets | 1.8769% | 729 |
| Return on Equity (ROE) | 12.8684% | 1,087 |
| Retained earnings to average equity (ytd only) | 10.3309% | 521 |
| Net charge-offs to loans | 0.1227% | 1,562 |
| Credit loss provision to net charge-offs | 241.2903% | 1,163 |
| Earnings coverage of net charge-offs (x) | 19.5071% | 1,997 |
| Efficiency ratio | 71.0876% | 2,351 |
| Assets per employee ($millions) | 5.2337% | 2,194 |
| Cash dividends to net income (ytd only)* | 19.7190% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 3,646 |
| Loan loss allowance to noncurrent loans | 158.6709% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.6213% | 2,653 |
| Noncurrent loans to loans | 0.6768% | 2,678 |
| Net loans and leases to total assets | 88.9171% | 117 |
| Net loans and leases to deposits | 100.8172% | 688 |
| Net loans and leases to core deposits | 125.6119% | 418 |
| Total domestic deposits to total assets | 88.1963% | 1,263 |
| Equity capital to assets | 8.8288% | 5,054 |
| Core capital (leverage) ratio | 8.8794% | 4,890 |
| Tier 1 risk-based capital ratio | 11.0659% | 5,203 |
| Total risk-based capital ratio | 12.3167% | 5,098 |
| Memoranda: | ||
| Average total assets | $941,113,750 | 793 |
| Average earning assets | $921,783,250 | 739 |
| Average equity | $84,069,500 | 973 |
| Average total loans | $842,161,750 | 625 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0084% | 124 |
| Cost of funding earning assets | 0.6673% | 1,057 |
| Net interest margin | 5.3411% | 132 |
| Noninterest income to average assets | 2.0086% | 309 |
| Noninterest expense to average assets | 5.2459% | 198 |
| Loan and lease loss provision to assets | 0.2534% | 658 |
| Net operating income to assets | 1.0679% | 2,128 |
| Return on assets (ROA) | 1.0679% | 2,174 |
| Pretax return on assets | 1.7415% | 962 |
| Return on Equity (ROE) | 11.9042% | 1,330 |
| Retained earnings to average equity (ytd only) | 10.0932% | 565 |
| Net charge-offs to loans | 0.0732% | 1,889 |
| Credit loss provision to net charge-offs | 387.4172% | 799 |
| Earnings coverage of net charge-offs (x) | 30.4967% | 1,451 |
| Efficiency ratio | 72.4491% | 2,272 |
| Assets per employee ($millions) | 5.1136% | 2,259 |
| Cash dividends to net income (ytd only)* | 15.2130% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 3,673 |
| Loan loss allowance to noncurrent loans | 225.2103% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.4657% | 3,247 |
| Noncurrent loans to loans | 0.4815% | 3,306 |
| Net loans and leases to total assets | 87.5282% | 172 |
| Net loans and leases to deposits | 98.5684% | 837 |
| Net loans and leases to core deposits | 124.8045% | 417 |
| Total domestic deposits to total assets | 88.7994% | 1,058 |
| Equity capital to assets | 8.7409% | 5,112 |
| Core capital (leverage) ratio | 9.1174% | 4,593 |
| Tier 1 risk-based capital ratio | 11.0925% | 5,201 |
| Total risk-based capital ratio | 12.3434% | 5,098 |
| Memoranda: | ||
| Average total assets | $923,347,670 | 812 |
| Average earning assets | $904,532,000 | 757 |
| Average equity | $82,827,670 | 987 |
| Average total loans | $824,949,000 | 641 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8650% | 143 |
| Cost of funding earning assets | 0.6565% | 1,044 |
| Net interest margin | 5.2085% | 155 |
| Noninterest income to average assets | 1.7710% | 371 |
| Noninterest expense to average assets | 5.2331% | 213 |
| Loan and lease loss provision to assets | 0.2454% | 623 |
| Net operating income to assets | 0.8569% | 2,959 |
| Return on assets (ROA) | 0.8569% | 3,005 |
| Pretax return on assets | 1.3927% | 1,914 |
| Return on Equity (ROE) | 9.4218% | 2,216 |
| Retained earnings to average equity (ytd only) | 9.4218% | 940 |
| Net charge-offs to loans | 0.0407% | 2,007 |
| Credit loss provision to net charge-offs | 670.7317% | 472 |
| Earnings coverage of net charge-offs (x) | 44.7805% | 955 |
| Efficiency ratio | 76.1605% | 1,883 |
| Assets per employee ($millions) | 5.1304% | 2,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 3,604 |
| Loan loss allowance to noncurrent loans | 159.9394% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.6384% | 2,723 |
| Noncurrent loans to loans | 0.6989% | 2,747 |
| Net loans and leases to total assets | 88.9026% | 86 |
| Net loans and leases to deposits | 100.7700% | 566 |
| Net loans and leases to core deposits | 121.3097% | 431 |
| Total domestic deposits to total assets | 88.2233% | 1,578 |
| Equity capital to assets | 9.2547% | 4,562 |
| Core capital (leverage) ratio | 9.2220% | 4,450 |
| Tier 1 risk-based capital ratio | 11.2715% | 5,153 |
| Total risk-based capital ratio | 12.5224% | 5,061 |
| Memoranda: | ||
| Average total assets | $896,675,500 | 847 |
| Average earning assets | $878,022,000 | 784 |
| Average equity | $81,555,500 | 996 |
| Average total loans | $805,297,500 | 657 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1061% | 110 |
| Cost of funding earning assets | 0.6311% | 1,150 |
| Net interest margin | 5.4750% | 114 |
| Noninterest income to average assets | 2.6838% | 236 |
| Noninterest expense to average assets | 5.5299% | 207 |
| Loan and lease loss provision to assets | 0.5303% | 262 |
| Net operating income to assets | 1.2044% | 1,496 |
| Return on assets (ROA) | 1.2044% | 1,578 |
| Pretax return on assets | 1.9801% | 525 |
| Return on Equity (ROE) | 13.4263% | 898 |
| Retained earnings to average equity (ytd only) | 9.7932% | 447 |
| Net charge-offs to loans | 0.3066% | 898 |
| Credit loss provision to net charge-offs | 193.8658% | 1,460 |
| Earnings coverage of net charge-offs (x) | 9.1778% | 2,776 |
| Efficiency ratio | 68.7524% | 3,115 |
| Assets per employee ($millions) | 5.0037% | 2,387 |
| Cash dividends to net income (ytd only)* | 27.0595% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 3,997 |
| Loan loss allowance to noncurrent loans | 188.0779% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.5120% | 3,216 |
| Noncurrent loans to loans | 0.5595% | 3,166 |
| Net loans and leases to total assets | 88.7678% | 106 |
| Net loans and leases to deposits | 100.9842% | 603 |
| Net loans and leases to core deposits | 127.9618% | 308 |
| Total domestic deposits to total assets | 87.9026% | 1,679 |
| Equity capital to assets | 8.9373% | 4,873 |
| Core capital (leverage) ratio | 8.9037% | 4,848 |
| Tier 1 risk-based capital ratio | 11.1685% | 5,245 |
| Total risk-based capital ratio | 12.4191% | 5,133 |
| Memoranda: | ||
| Average total assets | $828,460,400 | 877 |
| Average earning assets | $810,515,600 | 822 |
| Average equity | $74,316,800 | 1,070 |
| Average total loans | $739,158,800 | 674 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9990% | 122 |
| Cost of funding earning assets | 0.6059% | 1,279 |
| Net interest margin | 5.3931% | 131 |
| Noninterest income to average assets | 2.7571% | 229 |
| Noninterest expense to average assets | 5.6255% | 193 |
| Loan and lease loss provision to assets | 0.5303% | 227 |
| Net operating income to assets | 1.1426% | 1,840 |
| Return on assets (ROA) | 1.1426% | 1,948 |
| Pretax return on assets | 1.8777% | 746 |
| Return on Equity (ROE) | 12.7243% | 1,123 |
| Retained earnings to average equity (ytd only) | 9.0600% | 800 |
| Net charge-offs to loans | 0.3718% | 599 |
| Credit loss provision to net charge-offs | 160.1093% | 1,702 |
| Earnings coverage of net charge-offs (x) | 7.2707% | 2,898 |
| Efficiency ratio | 69.9994% | 2,887 |
| Assets per employee ($millions) | 5.1455% | 2,195 |
| Cash dividends to net income (ytd only)* | 28.7977% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9555% | 4,635 |
| Loan loss allowance to noncurrent loans | 147.1867% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.5795% | 3,165 |
| Noncurrent loans to loans | 0.6492% | 3,073 |
| Net loans and leases to total assets | 86.3423% | 228 |
| Net loans and leases to deposits | 97.5364% | 898 |
| Net loans and leases to core deposits | 128.2117% | 326 |
| Total domestic deposits to total assets | 88.5231% | 1,147 |
| Equity capital to assets | 8.6046% | 5,468 |
| Core capital (leverage) ratio | 9.1588% | 4,652 |
| Tier 1 risk-based capital ratio | 11.0924% | 5,319 |
| Total risk-based capital ratio | 12.2878% | 5,264 |
| Memoranda: | ||
| Average total assets | $810,410,750 | 897 |
| Average earning assets | $792,872,500 | 841 |
| Average equity | $72,772,250 | 1,095 |
| Average total loans | $721,949,000 | 691 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0292% | 121 |
| Cost of funding earning assets | 0.5899% | 1,399 |
| Net interest margin | 5.4393% | 127 |
| Noninterest income to average assets | 2.6995% | 232 |
| Noninterest expense to average assets | 5.7156% | 192 |
| Loan and lease loss provision to assets | 0.5189% | 243 |
| Net operating income to assets | 1.0868% | 2,004 |
| Return on assets (ROA) | 1.0868% | 2,138 |
| Pretax return on assets | 1.7862% | 909 |
| Return on Equity (ROE) | 11.9085% | 1,356 |
| Retained earnings to average equity (ytd only) | 8.2417% | 1,096 |
| Net charge-offs to loans | 0.0249% | 2,982 |
| Credit loss provision to net charge-offs | 2,317.2414% | 189 |
| Earnings coverage of net charge-offs (x) | 102.9310% | 561 |
| Efficiency ratio | 71.2314% | 2,783 |
| Assets per employee ($millions) | 4.4452% | 3,124 |
| Cash dividends to net income (ytd only)* | 30.7911% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 3,756 |
| Loan loss allowance to noncurrent loans | 113.2551% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.9037% | 2,350 |
| Noncurrent loans to loans | 1.0015% | 2,286 |
| Net loans and leases to total assets | 87.0848% | 190 |
| Net loans and leases to deposits | 100.5792% | 649 |
| Net loans and leases to core deposits | 115.5135% | 654 |
| Total domestic deposits to total assets | 86.5832% | 2,118 |
| Equity capital to assets | 8.9261% | 5,293 |
| Core capital (leverage) ratio | 9.4568% | 4,258 |
| Tier 1 risk-based capital ratio | 11.1190% | 5,353 |
| Total risk-based capital ratio | 12.3704% | 5,272 |
| Memoranda: | ||
| Average total assets | $776,961,000 | 927 |
| Average earning assets | $760,096,670 | 881 |
| Average equity | $70,907,330 | 1,115 |
| Average total loans | $697,946,330 | 720 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9832% | 128 |
| Cost of funding earning assets | 0.5999% | 1,338 |
| Net interest margin | 5.3833% | 136 |
| Noninterest income to average assets | 2.3985% | 267 |
| Noninterest expense to average assets | 5.6057% | 204 |
| Loan and lease loss provision to assets | 0.2433% | 735 |
| Net operating income to assets | 1.1048% | 1,881 |
| Return on assets (ROA) | 1.1048% | 1,985 |
| Pretax return on assets | 1.8154% | 825 |
| Return on Equity (ROE) | 11.9605% | 1,325 |
| Retained earnings to average equity (ytd only) | 8.4953% | 1,266 |
| Net charge-offs to loans | -0.0059% | 4,344 |
| Credit loss provision to net charge-offs | -4,560.0000% | 5,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1120% | 2,620 |
| Assets per employee ($millions) | 4.5870% | 2,919 |
| Cash dividends to net income (ytd only)* | 28.9715% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9812% | 4,708 |
| Loan loss allowance to noncurrent loans | 87.5272% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 1.0407% | 2,130 |
| Noncurrent loans to loans | 1.1210% | 2,152 |
| Net loans and leases to total assets | 89.6002% | 73 |
| Net loans and leases to deposits | 104.1754% | 403 |
| Net loans and leases to core deposits | 123.7172% | 374 |
| Total domestic deposits to total assets | 86.0090% | 2,666 |
| Equity capital to assets | 9.1040% | 5,083 |
| Core capital (leverage) ratio | 9.3101% | 4,477 |
| Tier 1 risk-based capital ratio | 11.0435% | 5,480 |
| Total risk-based capital ratio | 12.2372% | 5,420 |
| Memoranda: | ||
| Average total assets | $749,812,000 | 958 |
| Average earning assets | $733,451,500 | 907 |
| Average equity | $69,261,500 | 1,133 |
| Average total loans | $680,817,000 | 733 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8008% | 172 |
| Cost of funding earning assets | 0.5571% | 1,704 |
| Net interest margin | 5.2437% | 174 |
| Noninterest income to average assets | 2.4583% | 269 |
| Noninterest expense to average assets | 5.4095% | 217 |
| Loan and lease loss provision to assets | 0.2190% | 941 |
| Net operating income to assets | 1.1852% | 1,606 |
| Return on assets (ROA) | 1.1852% | 1,681 |
| Pretax return on assets | 1.9393% | 614 |
| Return on Equity (ROE) | 13.1704% | 1,018 |
| Retained earnings to average equity (ytd only) | 10.3633% | 413 |
| Net charge-offs to loans | 0.0945% | 2,479 |
| Credit loss provision to net charge-offs | 259.9647% | 1,111 |
| Earnings coverage of net charge-offs (x) | 25.6173% | 1,625 |
| Efficiency ratio | 71.4373% | 2,997 |
| Assets per employee ($millions) | 4.5001% | 3,047 |
| Cash dividends to net income (ytd only)* | 21.3139% | 3,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9598% | 4,810 |
| Loan loss allowance to noncurrent loans | 106.7649% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 0.8470% | 2,549 |
| Noncurrent loans to loans | 0.8990% | 2,540 |
| Net loans and leases to total assets | 90.2518% | 59 |
| Net loans and leases to deposits | 104.4369% | 418 |
| Net loans and leases to core deposits | 123.9190% | 380 |
| Total domestic deposits to total assets | 86.4175% | 2,422 |
| Equity capital to assets | 9.3780% | 4,700 |
| Core capital (leverage) ratio | 9.5356% | 4,123 |
| Tier 1 risk-based capital ratio | 11.3715% | 5,328 |
| Total risk-based capital ratio | 12.5316% | 5,279 |
| Memoranda: | ||
| Average total assets | $672,985,800 | 1,022 |
| Average earning assets | $655,756,400 | 974 |
| Average equity | $60,560,000 | 1,252 |
| Average total loans | $600,048,000 | 775 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7447% | 184 |
| Cost of funding earning assets | 0.5461% | 1,834 |
| Net interest margin | 5.1986% | 187 |
| Noninterest income to average assets | 2.6151% | 250 |
| Noninterest expense to average assets | 5.5535% | 209 |
| Loan and lease loss provision to assets | 0.2041% | 977 |
| Net operating income to assets | 1.1719% | 1,742 |
| Return on assets (ROA) | 1.1719% | 1,819 |
| Pretax return on assets | 1.9169% | 697 |
| Return on Equity (ROE) | 13.1764% | 1,089 |
| Retained earnings to average equity (ytd only) | 11.2427% | 444 |
| Net charge-offs to loans | 0.1096% | 2,027 |
| Credit loss provision to net charge-offs | 210.2083% | 1,289 |
| Earnings coverage of net charge-offs (x) | 21.8397% | 1,809 |
| Efficiency ratio | 72.3155% | 2,825 |
| Assets per employee ($millions) | 4.3386% | 3,259 |
| Cash dividends to net income (ytd only)* | 14.6755% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9610% | 4,937 |
| Loan loss allowance to noncurrent loans | 91.3911% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 0.9839% | 2,388 |
| Noncurrent loans to loans | 1.0516% | 2,382 |
| Net loans and leases to total assets | 88.4890% | 113 |
| Net loans and leases to deposits | 105.3784% | 391 |
| Net loans and leases to core deposits | 130.1796% | 273 |
| Total domestic deposits to total assets | 83.9726% | 3,442 |
| Equity capital to assets | 9.2328% | 5,075 |
| Core capital (leverage) ratio | 9.4077% | 4,429 |
| Tier 1 risk-based capital ratio | 11.3037% | 5,485 |
| Total risk-based capital ratio | 12.4665% | 5,436 |
| Memoranda: | ||
| Average total assets | $658,978,750 | 1,046 |
| Average earning assets | $641,335,250 | 996 |
| Average equity | $58,608,250 | 1,292 |
| Average total loans | $583,979,000 | 802 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6755% | 205 |
| Cost of funding earning assets | 0.5386% | 1,914 |
| Net interest margin | 5.1369% | 196 |
| Noninterest income to average assets | 2.8269% | 231 |
| Noninterest expense to average assets | 5.7427% | 200 |
| Loan and lease loss provision to assets | 0.1471% | 1,458 |
| Net operating income to assets | 1.1827% | 1,658 |
| Return on assets (ROA) | 1.1827% | 1,724 |
| Pretax return on assets | 1.9353% | 680 |
| Return on Equity (ROE) | 13.4836% | 1,017 |
| Retained earnings to average equity (ytd only) | 10.4825% | 585 |
| Net charge-offs to loans | 0.0890% | 2,139 |
| Credit loss provision to net charge-offs | 187.0079% | 1,308 |
| Earnings coverage of net charge-offs (x) | 26.4724% | 1,482 |
| Efficiency ratio | 73.3368% | 2,776 |
| Assets per employee ($millions) | 4.2096% | 3,450 |
| Cash dividends to net income (ytd only)* | 22.2571% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 5,045 |
| Loan loss allowance to noncurrent loans | 88.1487% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 1.0339% | 2,436 |
| Noncurrent loans to loans | 1.0923% | 2,467 |
| Net loans and leases to total assets | 88.5536% | 112 |
| Net loans and leases to deposits | 104.0496% | 449 |
| Net loans and leases to core deposits | 132.4499% | 236 |
| Total domestic deposits to total assets | 85.1071% | 3,081 |
| Equity capital to assets | 8.8126% | 5,422 |
| Core capital (leverage) ratio | 8.8751% | 5,124 |
| Tier 1 risk-based capital ratio | 10.6912% | 5,847 |
| Total risk-based capital ratio | 11.8491% | 5,829 |
| Memoranda: | ||
| Average total assets | $645,797,670 | 1,074 |
| Average earning assets | $628,350,330 | 1,019 |
| Average equity | $56,646,670 | 1,337 |
| Average total loans | $570,601,000 | 825 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6550% | 209 |
| Cost of funding earning assets | 0.5300% | 2,017 |
| Net interest margin | 5.1250% | 195 |
| Noninterest income to average assets | 3.0471% | 216 |
| Noninterest expense to average assets | 5.9513% | 193 |
| Loan and lease loss provision to assets | 0.1410% | 1,452 |
| Net operating income to assets | 1.1839% | 1,595 |
| Return on assets (ROA) | 1.1839% | 1,691 |
| Pretax return on assets | 1.9359% | 668 |
| Return on Equity (ROE) | 13.5295% | 971 |
| Retained earnings to average equity (ytd only) | 10.3065% | 850 |
| Net charge-offs to loans | 0.0093% | 3,025 |
| Credit loss provision to net charge-offs | 1,730.7692% | 225 |
| Earnings coverage of net charge-offs (x) | 254.9231% | 221 |
| Efficiency ratio | 74.0749% | 2,806 |
| Assets per employee ($millions) | 4.6099% | 2,892 |
| Cash dividends to net income (ytd only)* | 23.8221% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 5,125 |
| Loan loss allowance to noncurrent loans | 78.6406% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 1.1529% | 2,333 |
| Noncurrent loans to loans | 1.2485% | 2,292 |
| Net loans and leases to total assets | 86.3070% | 172 |
| Net loans and leases to deposits | 104.7900% | 342 |
| Net loans and leases to core deposits | 135.9194% | 186 |
| Total domestic deposits to total assets | 82.3618% | 4,394 |
| Equity capital to assets | 8.5361% | 5,716 |
| Core capital (leverage) ratio | 8.7904% | 5,219 |
| Tier 1 risk-based capital ratio | 11.2907% | 5,664 |
| Total risk-based capital ratio | 12.5407% | 5,576 |
| Memoranda: | ||
| Average total assets | $638,244,000 | 1,089 |
| Average earning assets | $620,335,500 | 1,029 |
| Average equity | $55,848,500 | 1,365 |
| Average total loans | $560,429,000 | 833 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1730% | 127 |
| Cost of funding earning assets | 0.5130% | 2,545 |
| Net interest margin | 5.6600% | 106 |
| Noninterest income to average assets | 2.1188% | 311 |
| Noninterest expense to average assets | 5.3556% | 250 |
| Loan and lease loss provision to assets | 0.2189% | 1,124 |
| Net operating income to assets | 1.2496% | 1,431 |
| Return on assets (ROA) | 1.2496% | 1,497 |
| Pretax return on assets | 2.0505% | 465 |
| Return on Equity (ROE) | 13.8293% | 963 |
| Retained earnings to average equity (ytd only) | 5.8213% | 2,044 |
| Net charge-offs to loans | 0.0913% | 3,196 |
| Credit loss provision to net charge-offs | 271.8894% | 938 |
| Earnings coverage of net charge-offs (x) | 28.1843% | 1,403 |
| Efficiency ratio | 70.1567% | 3,504 |
| Assets per employee ($millions) | 4.4080% | 3,175 |
| Cash dividends to net income (ytd only)* | 57.9065% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0086% | 4,997 |
| Loan loss allowance to noncurrent loans | 85.9770% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 1.1123% | 2,525 |
| Noncurrent loans to loans | 1.1731% | 2,489 |
| Net loans and leases to total assets | 87.6069% | 132 |
| Net loans and leases to deposits | 106.8825% | 331 |
| Net loans and leases to core deposits | 136.6674% | 188 |
| Total domestic deposits to total assets | 81.9656% | 4,433 |
| Equity capital to assets | 8.9546% | 5,339 |
| Core capital (leverage) ratio | 9.4089% | 4,369 |
| Tier 1 risk-based capital ratio | 11.9183% | 5,417 |
| Total risk-based capital ratio | 13.1691% | 5,323 |
| Memoranda: | ||
| Average total assets | $538,984,400 | 1,240 |
| Average earning assets | $524,347,000 | 1,164 |
| Average equity | $48,700,800 | 1,476 |
| Average total loans | $475,294,200 | 931 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3267% | 106 |
| Cost of funding earning assets | 0.5240% | 2,528 |
| Net interest margin | 5.8027% | 94 |
| Noninterest income to average assets | 1.9884% | 346 |
| Noninterest expense to average assets | 5.3393% | 249 |
| Loan and lease loss provision to assets | 0.1742% | 1,413 |
| Net operating income to assets | 1.2922% | 1,390 |
| Return on assets (ROA) | 1.2922% | 1,447 |
| Pretax return on assets | 2.1215% | 433 |
| Return on Equity (ROE) | 14.2633% | 938 |
| Retained earnings to average equity (ytd only) | 7.4780% | 1,583 |
| Net charge-offs to loans | 0.0965% | 2,844 |
| Credit loss provision to net charge-offs | 204.8193% | 1,241 |
| Earnings coverage of net charge-offs (x) | 26.9967% | 1,467 |
| Efficiency ratio | 69.8447% | 3,539 |
| Assets per employee ($millions) | 4.1156% | 3,632 |
| Cash dividends to net income (ytd only)* | 47.5718% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0440% | 5,021 |
| Loan loss allowance to noncurrent loans | 74.7935% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 1.3454% | 2,291 |
| Noncurrent loans to loans | 1.3958% | 2,319 |
| Net loans and leases to total assets | 88.4769% | 96 |
| Net loans and leases to deposits | 110.1699% | 217 |
| Net loans and leases to core deposits | 143.3254% | 136 |
| Total domestic deposits to total assets | 80.3095% | 5,010 |
| Equity capital to assets | 10.0249% | 4,134 |
| Core capital (leverage) ratio | 9.7440% | 4,006 |
| Tier 1 risk-based capital ratio | 13.1295% | 4,782 |
| Total risk-based capital ratio | 14.3807% | 4,710 |
| Memoranda: | ||
| Average total assets | $520,552,250 | 1,301 |
| Average earning assets | $506,558,250 | 1,224 |
| Average equity | $47,159,500 | 1,532 |
| Average total loans | $458,555,750 | 966 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9270% | 163 |
| Cost of funding earning assets | 0.5326% | 2,515 |
| Net interest margin | 5.3944% | 152 |
| Noninterest income to average assets | 1.8714% | 385 |
| Noninterest expense to average assets | 5.0337% | 308 |
| Loan and lease loss provision to assets | 0.2066% | 1,155 |
| Net operating income to assets | 1.1478% | 1,763 |
| Return on assets (ROA) | 1.1478% | 1,845 |
| Pretax return on assets | 1.8831% | 713 |
| Return on Equity (ROE) | 13.1647% | 1,130 |
| Retained earnings to average equity (ytd only) | 6.9043% | 1,813 |
| Net charge-offs to loans | 0.0378% | 3,467 |
| Credit loss provision to net charge-offs | 623.5294% | 484 |
| Earnings coverage of net charge-offs (x) | 63.0588% | 779 |
| Efficiency ratio | 70.5654% | 3,559 |
| Assets per employee ($millions) | 4.1776% | 3,504 |
| Cash dividends to net income (ytd only)* | 47.5543% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 5,053 |
| Loan loss allowance to noncurrent loans | 62.5742% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 1.5857% | 2,065 |
| Noncurrent loans to loans | 1.6990% | 2,042 |
| Net loans and leases to total assets | 87.8812% | 102 |
| Net loans and leases to deposits | 111.6944% | 171 |
| Net loans and leases to core deposits | 143.7639% | 122 |
| Total domestic deposits to total assets | 78.6801% | 5,517 |
| Equity capital to assets | 8.8494% | 5,471 |
| Core capital (leverage) ratio | 9.2125% | 4,719 |
| Tier 1 risk-based capital ratio | 11.5871% | 5,754 |
| Total risk-based capital ratio | 12.8386% | 5,707 |
| Memoranda: | ||
| Average total assets | $512,984,330 | 1,316 |
| Average earning assets | $499,440,330 | 1,239 |
| Average equity | $44,725,670 | 1,599 |
| Average total loans | $449,498,670 | 979 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9263% | 158 |
| Cost of funding earning assets | 0.5366% | 2,540 |
| Net interest margin | 5.3897% | 148 |
| Noninterest income to average assets | 1.5690% | 490 |
| Noninterest expense to average assets | 4.8951% | 335 |
| Loan and lease loss provision to assets | 0.2017% | 1,154 |
| Net operating income to assets | 1.0632% | 1,955 |
| Return on assets (ROA) | 1.0632% | 2,027 |
| Pretax return on assets | 1.7312% | 915 |
| Return on Equity (ROE) | 12.2966% | 1,346 |
| Retained earnings to average equity (ytd only) | 7.6318% | 1,758 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5855% | 3,562 |
| Assets per employee ($millions) | 3.9523% | 4,042 |
| Cash dividends to net income (ytd only)* | 37.9363% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1349% | 4,958 |
| Loan loss allowance to noncurrent loans | 63.2617% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 1.5883% | 2,221 |
| Noncurrent loans to loans | 1.7940% | 2,151 |
| Net loans and leases to total assets | 85.6314% | 156 |
| Net loans and leases to deposits | 106.9505% | 215 |
| Net loans and leases to core deposits | 136.7985% | 145 |
| Total domestic deposits to total assets | 80.0664% | 5,470 |
| Equity capital to assets | 8.5680% | 5,579 |
| Core capital (leverage) ratio | 8.6480% | 5,460 |
| Tier 1 risk-based capital ratio | 11.2184% | 6,064 |
| Total risk-based capital ratio | 13.5135% | 5,398 |
| Memoranda: | ||
| Average total assets | $495,843,000 | 1,367 |
| Average earning assets | $483,812,500 | 1,282 |
| Average equity | $42,873,500 | 1,658 |
| Average total loans | $431,191,500 | 1,023 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1620% | 132 |
| Cost of funding earning assets | 0.5529% | 3,088 |
| Net interest margin | 5.6091% | 114 |
| Noninterest income to average assets | 2.5638% | 268 |
| Noninterest expense to average assets | 5.3041% | 283 |
| Loan and lease loss provision to assets | 0.2596% | 1,377 |
| Net operating income to assets | 1.5062% | 815 |
| Return on assets (ROA) | 1.5062% | 853 |
| Pretax return on assets | 2.4632% | 210 |
| Return on Equity (ROE) | 17.8024% | 428 |
| Retained earnings to average equity (ytd only) | 11.4634% | 373 |
| Net charge-offs to loans | 0.0640% | 4,314 |
| Credit loss provision to net charge-offs | 472.6563% | 489 |
| Earnings coverage of net charge-offs (x) | 49.5781% | 797 |
| Efficiency ratio | 65.9780% | 4,561 |
| Assets per employee ($millions) | 3.9177% | 4,030 |
| Cash dividends to net income (ytd only)* | 35.6075% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1134% | 5,082 |
| Loan loss allowance to noncurrent loans | 69.0497% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 1.4661% | 2,542 |
| Noncurrent loans to loans | 1.6124% | 2,490 |
| Net loans and leases to total assets | 86.3503% | 140 |
| Net loans and leases to deposits | 112.0348% | 139 |
| Net loans and leases to core deposits | 136.7272% | 146 |
| Total domestic deposits to total assets | 77.0746% | 5,955 |
| Equity capital to assets | 8.7284% | 5,333 |
| Core capital (leverage) ratio | 8.7965% | 5,284 |
| Tier 1 risk-based capital ratio | 11.4998% | 5,905 |
| Total risk-based capital ratio | 13.8436% | 5,182 |
| Memoranda: | ||
| Average total assets | $466,150,000 | 1,418 |
| Average earning assets | $454,008,400 | 1,339 |
| Average equity | $39,438,600 | 1,772 |
| Average total loans | $400,200,800 | 1,071 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1714% | 135 |
| Cost of funding earning assets | 0.5570% | 3,192 |
| Net interest margin | 5.6144% | 115 |
| Noninterest income to average assets | 2.9502% | 244 |
| Noninterest expense to average assets | 5.4848% | 253 |
| Loan and lease loss provision to assets | 0.2703% | 1,302 |
| Net operating income to assets | 1.6194% | 723 |
| Return on assets (ROA) | 1.6194% | 765 |
| Pretax return on assets | 2.6612% | 194 |
| Return on Equity (ROE) | 19.3013% | 349 |
| Retained earnings to average equity (ytd only) | 13.7886% | 267 |
| Net charge-offs to loans | 0.1021% | 3,518 |
| Credit loss provision to net charge-offs | 309.6026% | 825 |
| Earnings coverage of net charge-offs (x) | 33.5792% | 1,143 |
| Efficiency ratio | 65.0696% | 4,635 |
| Assets per employee ($millions) | 4.0023% | 3,824 |
| Cash dividends to net income (ytd only)* | 28.5612% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1242% | 5,231 |
| Loan loss allowance to noncurrent loans | 57.7842% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 1.6514% | 2,490 |
| Noncurrent loans to loans | 1.9456% | 2,311 |
| Net loans and leases to total assets | 81.9753% | 371 |
| Net loans and leases to deposits | 106.5848% | 224 |
| Net loans and leases to core deposits | 129.8556% | 194 |
| Total domestic deposits to total assets | 76.9109% | 6,059 |
| Equity capital to assets | 8.8698% | 5,333 |
| Core capital (leverage) ratio | 8.5913% | 5,670 |
| Tier 1 risk-based capital ratio | 12.1369% | 5,693 |
| Total risk-based capital ratio | 13.9739% | 5,257 |
| Memoranda: | ||
| Average total assets | $461,239,500 | 1,437 |
| Average earning assets | $449,046,500 | 1,364 |
| Average equity | $38,697,750 | 1,815 |
| Average total loans | $394,199,500 | 1,087 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1212% | 148 |
| Cost of funding earning assets | 0.5501% | 3,411 |
| Net interest margin | 5.5712% | 124 |
| Noninterest income to average assets | 3.6288% | 204 |
| Noninterest expense to average assets | 5.7820% | 227 |
| Loan and lease loss provision to assets | 0.3431% | 980 |
| Net operating income to assets | 1.7821% | 541 |
| Return on assets (ROA) | 1.7821% | 578 |
| Pretax return on assets | 2.9225% | 155 |
| Return on Equity (ROE) | 21.6668% | 219 |
| Retained earnings to average equity (ytd only) | 16.8838% | 164 |
| Net charge-offs to loans | 0.1529% | 2,877 |
| Credit loss provision to net charge-offs | 259.9338% | 966 |
| Earnings coverage of net charge-offs (x) | 24.7384% | 1,285 |
| Efficiency ratio | 63.8147% | 4,895 |
| Assets per employee ($millions) | 3.9885% | 3,830 |
| Cash dividends to net income (ytd only)* | 22.0751% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 5,844 |
| Loan loss allowance to noncurrent loans | 58.6726% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 1.5019% | 2,848 |
| Noncurrent loans to loans | 1.6961% | 2,769 |
| Net loans and leases to total assets | 85.5325% | 162 |
| Net loans and leases to deposits | 111.1439% | 123 |
| Net loans and leases to core deposits | 139.2250% | 138 |
| Total domestic deposits to total assets | 76.9565% | 6,132 |
| Equity capital to assets | 8.2678% | 5,999 |
| Core capital (leverage) ratio | 8.3971% | 5,772 |
| Tier 1 risk-based capital ratio | 11.4555% | 6,136 |
| Total risk-based capital ratio | 13.8337% | 5,382 |
| Memoranda: | ||
| Average total assets | $457,561,000 | 1,458 |
| Average earning assets | $445,040,670 | 1,375 |
| Average equity | $37,633,670 | 1,865 |
| Average total loans | $395,082,330 | 1,085 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9948% | 168 |
| Cost of funding earning assets | 0.5389% | 3,685 |
| Net interest margin | 5.4559% | 130 |
| Noninterest income to average assets | 2.3186% | 353 |
| Noninterest expense to average assets | 5.3733% | 286 |
| Loan and lease loss provision to assets | 0.2961% | 1,179 |
| Net operating income to assets | 1.1871% | 1,562 |
| Return on assets (ROA) | 1.1871% | 1,675 |
| Pretax return on assets | 1.9524% | 656 |
| Return on Equity (ROE) | 14.4756% | 867 |
| Retained earnings to average equity (ytd only) | 10.0318% | 1,097 |
| Net charge-offs to loans | 0.0169% | 3,819 |
| Credit loss provision to net charge-offs | 2,031.2500% | 168 |
| Earnings coverage of net charge-offs (x) | 154.2500% | 262 |
| Efficiency ratio | 70.3921% | 3,910 |
| Assets per employee ($millions) | 3.9445% | 4,075 |
| Cash dividends to net income (ytd only)* | 30.6984% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0528% | 5,783 |
| Loan loss allowance to noncurrent loans | 48.0052% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 1.9804% | 2,366 |
| Noncurrent loans to loans | 2.1932% | 2,397 |
| Net loans and leases to total assets | 86.7746% | 102 |
| Net loans and leases to deposits | 114.8679% | 91 |
| Net loans and leases to core deposits | 130.7240% | 172 |
| Total domestic deposits to total assets | 75.5430% | 6,410 |
| Equity capital to assets | 8.2568% | 6,215 |
| Core capital (leverage) ratio | 8.1936% | 5,936 |
| Tier 1 risk-based capital ratio | 11.1280% | 6,348 |
| Total risk-based capital ratio | 13.0010% | 6,038 |
| Memoranda: | ||
| Average total assets | $439,057,000 | 1,533 |
| Average earning assets | $426,767,000 | 1,442 |
| Average equity | $36,005,500 | 1,962 |
| Average total loans | $378,989,000 | 1,126 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2826% | 176 |
| Cost of funding earning assets | 0.6741% | 3,696 |
| Net interest margin | 5.6085% | 147 |
| Noninterest income to average assets | 2.7734% | 279 |
| Noninterest expense to average assets | 5.0066% | 375 |
| Loan and lease loss provision to assets | 0.3674% | 1,786 |
| Net operating income to assets | 1.7171% | 596 |
| Return on assets (ROA) | 1.7174% | 671 |
| Pretax return on assets | 2.8258% | 168 |
| Return on Equity (ROE) | 21.3030% | 247 |
| Retained earnings to average equity (ytd only) | 16.5893% | 100 |
| Net charge-offs to loans | 0.0663% | 5,019 |
| Credit loss provision to net charge-offs | 677.5701% | 365 |
| Earnings coverage of net charge-offs (x) | 58.8879% | 607 |
| Efficiency ratio | 60.9072% | 5,400 |
| Assets per employee ($millions) | 4.6419% | 2,711 |
| Cash dividends to net income (ytd only)* | 22.1272% | 3,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 5,905 |
| Loan loss allowance to noncurrent loans | 44.3269% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 2.0143% | 2,436 |
| Noncurrent loans to loans | 2.2953% | 2,355 |
| Net loans and leases to total assets | 84.0586% | 209 |
| Net loans and leases to deposits | 108.5393% | 178 |
| Net loans and leases to core deposits | 124.3641% | 238 |
| Total domestic deposits to total assets | 77.4453% | 6,178 |
| Equity capital to assets | 8.1437% | 6,326 |
| Core capital (leverage) ratio | 8.1674% | 6,028 |
| Tier 1 risk-based capital ratio | 11.4900% | 6,112 |
| Total risk-based capital ratio | 13.4004% | 5,648 |
| Memoranda: | ||
| Average total assets | $394,716,200 | 1,659 |
| Average earning assets | $381,863,800 | 1,569 |
| Average equity | $31,821,800 | 2,151 |
| Average total loans | $322,627,600 | 1,306 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3917% | 157 |
| Cost of funding earning assets | 0.7138% | 3,650 |
| Net interest margin | 5.6779% | 143 |
| Noninterest income to average assets | 2.8091% | 270 |
| Noninterest expense to average assets | 4.8293% | 412 |
| Loan and lease loss provision to assets | 0.3990% | 1,606 |
| Net operating income to assets | 1.8629% | 502 |
| Return on assets (ROA) | 1.8634% | 571 |
| Pretax return on assets | 3.0651% | 145 |
| Return on Equity (ROE) | 23.1799% | 186 |
| Retained earnings to average equity (ytd only) | 20.1589% | 84 |
| Net charge-offs to loans | 0.0919% | 4,456 |
| Credit loss provision to net charge-offs | 537.3832% | 498 |
| Earnings coverage of net charge-offs (x) | 46.6489% | 789 |
| Efficiency ratio | 58.0931% | 5,779 |
| Assets per employee ($millions) | 4.6082% | 2,736 |
| Cash dividends to net income (ytd only)* | 13.0330% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 6,042 |
| Loan loss allowance to noncurrent loans | 47.2294% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 1.9599% | 2,702 |
| Noncurrent loans to loans | 2.1382% | 2,685 |
| Net loans and leases to total assets | 81.0874% | 426 |
| Net loans and leases to deposits | 110.9610% | 143 |
| Net loans and leases to core deposits | 130.4610% | 190 |
| Total domestic deposits to total assets | 73.0774% | 6,670 |
| Equity capital to assets | 8.3393% | 6,391 |
| Core capital (leverage) ratio | 8.1891% | 6,158 |
| Tier 1 risk-based capital ratio | 11.7962% | 6,061 |
| Total risk-based capital ratio | 13.7372% | 5,618 |
| Memoranda: | ||
| Average total assets | $384,311,500 | 1,717 |
| Average earning assets | $371,162,000 | 1,626 |
| Average equity | $30,893,750 | 2,221 |
| Average total loans | $310,647,750 | 1,359 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3551% | 175 |
| Cost of funding earning assets | 0.7311% | 3,759 |
| Net interest margin | 5.6240% | 152 |
| Noninterest income to average assets | 2.9477% | 250 |
| Noninterest expense to average assets | 4.5578% | 527 |
| Loan and lease loss provision to assets | 0.4267% | 1,529 |
| Net operating income to assets | 2.0571% | 360 |
| Return on assets (ROA) | 2.0578% | 401 |
| Pretax return on assets | 3.3851% | 121 |
| Return on Equity (ROE) | 25.9627% | 135 |
| Retained earnings to average equity (ytd only) | 21.2225% | 82 |
| Net charge-offs to loans | 0.0127% | 5,271 |
| Credit loss provision to net charge-offs | 4,184.2105% | 67 |
| Earnings coverage of net charge-offs (x) | 373.6842% | 110 |
| Efficiency ratio | 54.3099% | 6,292 |
| Assets per employee ($millions) | 5.2398% | 1,879 |
| Cash dividends to net income (ytd only)* | 18.2577% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 6,162 |
| Loan loss allowance to noncurrent loans | 40.0339% | 5,652 |
| Noncurrent assets plus other real estate owned to assets | 2.2049% | 2,538 |
| Noncurrent loans to loans | 2.4963% | 2,412 |
| Net loans and leases to total assets | 79.2153% | 590 |
| Net loans and leases to deposits | 107.3711% | 194 |
| Net loans and leases to core deposits | 121.7637% | 284 |
| Total domestic deposits to total assets | 73.7771% | 6,695 |
| Equity capital to assets | 7.5933% | 6,761 |
| Core capital (leverage) ratio | 8.0573% | 6,213 |
| Tier 1 risk-based capital ratio | 10.9909% | 6,502 |
| Total risk-based capital ratio | 13.3114% | 5,867 |
| Memoranda: | ||
| Average total assets | $372,632,000 | 1,768 |
| Average earning assets | $359,175,330 | 1,683 |
| Average equity | $29,534,670 | 2,288 |
| Average total loans | $299,694,000 | 1,417 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6023% | 143 |
| Cost of funding earning assets | 0.7669% | 3,723 |
| Net interest margin | 5.8354% | 118 |
| Noninterest income to average assets | 3.8162% | 179 |
| Noninterest expense to average assets | 4.4162% | 589 |
| Loan and lease loss provision to assets | 0.3978% | 1,591 |
| Net operating income to assets | 2.8013% | 124 |
| Return on assets (ROA) | 2.8013% | 147 |
| Pretax return on assets | 4.5969% | 66 |
| Return on Equity (ROE) | 34.4924% | 66 |
| Retained earnings to average equity (ytd only) | 30.2945% | 53 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8059% | 6,861 |
| Assets per employee ($millions) | 4.8467% | 2,453 |
| Cash dividends to net income (ytd only)* | 12.1704% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9647% | 6,374 |
| Loan loss allowance to noncurrent loans | 43.7699% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 2.0898% | 2,789 |
| Noncurrent loans to loans | 2.2040% | 2,912 |
| Net loans and leases to total assets | 80.3772% | 374 |
| Net loans and leases to deposits | 110.4083% | 135 |
| Net loans and leases to core deposits | 126.4882% | 230 |
| Total domestic deposits to total assets | 72.7999% | 6,838 |
| Equity capital to assets | 8.0570% | 6,482 |
| Core capital (leverage) ratio | 8.1155% | 6,138 |
| Tier 1 risk-based capital ratio | 11.3730% | 6,347 |
| Total risk-based capital ratio | 13.9711% | 5,388 |
| Memoranda: | ||
| Average total assets | $351,976,500 | 1,878 |
| Average earning assets | $337,457,000 | 1,790 |
| Average equity | $28,586,000 | 2,354 |
| Average total loans | $283,933,000 | 1,495 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9043% | 513 |
| Cost of funding earning assets | 0.8931% | 4,172 |
| Net interest margin | 5.0112% | 411 |
| Noninterest income to average assets | 2.2327% | 321 |
| Noninterest expense to average assets | 3.5166% | 1,942 |
| Loan and lease loss provision to assets | 0.3784% | 2,731 |
| Net operating income to assets | 1.9185% | 367 |
| Return on assets (ROA) | 1.9210% | 390 |
| Pretax return on assets | 3.1514% | 109 |
| Return on Equity (ROE) | 22.9351% | 158 |
| Retained earnings to average equity (ytd only) | 18.9972% | 63 |
| Net charge-offs to loans | 0.3969% | 3,431 |
| Credit loss provision to net charge-offs | 120.9767% | 2,623 |
| Earnings coverage of net charge-offs (x) | 11.2719% | 1,737 |
| Efficiency ratio | 49.8595% | 6,842 |
| Assets per employee ($millions) | 5.3270% | 1,806 |
| Cash dividends to net income (ytd only)* | 17.1697% | 3,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9423% | 6,425 |
| Loan loss allowance to noncurrent loans | 45.1693% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 2.6660% | 2,285 |
| Noncurrent loans to loans | 2.0862% | 3,083 |
| Net loans and leases to total assets | 79.3731% | 558 |
| Net loans and leases to deposits | 112.4732% | 136 |
| Net loans and leases to core deposits | 129.6459% | 241 |
| Total domestic deposits to total assets | 70.5707% | 6,957 |
| Equity capital to assets | 8.1925% | 6,439 |
| Core capital (leverage) ratio | 8.3094% | 5,840 |
| Tier 1 risk-based capital ratio | 11.3216% | 6,281 |
| Total risk-based capital ratio | 13.9503% | 5,283 |
| Memoranda: | ||
| Average total assets | $288,033,800 | 2,211 |
| Average earning assets | $276,459,200 | 2,125 |
| Average equity | $24,124,600 | 2,655 |
| Average total loans | $227,008,800 | 1,827 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7131% | 835 |
| Cost of funding earning assets | 0.9226% | 4,252 |
| Net interest margin | 4.7905% | 635 |
| Noninterest income to average assets | 2.9303% | 225 |
| Noninterest expense to average assets | 3.3755% | 2,262 |
| Loan and lease loss provision to assets | 0.4032% | 2,432 |
| Net operating income to assets | 2.2867% | 214 |
| Return on assets (ROA) | 2.2867% | 231 |
| Pretax return on assets | 3.7521% | 97 |
| Return on Equity (ROE) | 27.1216% | 95 |
| Retained earnings to average equity (ytd only) | 23.3992% | 44 |
| Net charge-offs to loans | 0.5086% | 2,725 |
| Credit loss provision to net charge-offs | 101.0896% | 3,321 |
| Earnings coverage of net charge-offs (x) | 10.4188% | 1,920 |
| Efficiency ratio | 44.7907% | 7,116 |
| Assets per employee ($millions) | 5.0803% | 2,094 |
| Cash dividends to net income (ytd only)* | 13.7247% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9184% | 6,540 |
| Loan loss allowance to noncurrent loans | 48.4063% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 2.6779% | 2,415 |
| Noncurrent loans to loans | 1.8973% | 3,507 |
| Net loans and leases to total assets | 78.1083% | 697 |
| Net loans and leases to deposits | 107.3576% | 223 |
| Net loans and leases to core deposits | 123.2999% | 319 |
| Total domestic deposits to total assets | 72.7552% | 6,873 |
| Equity capital to assets | 8.3204% | 6,463 |
| Core capital (leverage) ratio | 9.0546% | 4,845 |
| Tier 1 risk-based capital ratio | 11.3132% | 6,354 |
| Total risk-based capital ratio | 13.9087% | 5,345 |
| Memoranda: | ||
| Average total assets | $276,142,000 | 2,311 |
| Average earning assets | $265,183,000 | 2,210 |
| Average equity | $23,282,250 | 2,753 |
| Average total loans | $216,533,250 | 1,911 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7686% | 766 |
| Cost of funding earning assets | 0.9755% | 4,119 |
| Net interest margin | 4.7931% | 607 |
| Noninterest income to average assets | 0.2402% | 5,929 |
| Noninterest expense to average assets | 3.2139% | 2,851 |
| Loan and lease loss provision to assets | 0.3887% | 2,468 |
| Net operating income to assets | 0.7513% | 3,282 |
| Return on assets (ROA) | 0.7513% | 3,406 |
| Pretax return on assets | 1.2409% | 2,341 |
| Return on Equity (ROE) | 8.8625% | 2,571 |
| Retained earnings to average equity (ytd only) | 5.2303% | 2,856 |
| Net charge-offs to loans | 0.8127% | 1,876 |
| Credit loss provision to net charge-offs | 61.1380% | 4,310 |
| Earnings coverage of net charge-offs (x) | 2.5630% | 3,548 |
| Efficiency ratio | 66.3541% | 4,814 |
| Assets per employee ($millions) | 5.2886% | 1,771 |
| Cash dividends to net income (ytd only)* | 40.9836% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0068% | 6,299 |
| Loan loss allowance to noncurrent loans | 148.8235% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 1.9415% | 3,322 |
| Noncurrent loans to loans | 0.6765% | 5,554 |
| Net loans and leases to total assets | 75.2625% | 1,191 |
| Net loans and leases to deposits | 101.7579% | 410 |
| Net loans and leases to core deposits | 116.7674% | 500 |
| Total domestic deposits to total assets | 73.9624% | 6,845 |
| Equity capital to assets | 8.4647% | 6,225 |
| Core capital (leverage) ratio | 8.3460% | 5,792 |
| Tier 1 risk-based capital ratio | 11.1784% | 6,395 |
| Total risk-based capital ratio | 14.0657% | 5,051 |
| Memoranda: | ||
| Average total assets | $259,809,000 | 2,458 |
| Average earning assets | $249,524,670 | 2,334 |
| Average equity | $22,025,330 | 2,875 |
| Average total loans | $203,272,330 | 2,055 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7595% | 790 |
| Cost of funding earning assets | 0.9838% | 4,317 |
| Net interest margin | 4.7756% | 597 |
| Noninterest income to average assets | 0.2610% | 5,797 |
| Noninterest expense to average assets | 3.2295% | 2,782 |
| Loan and lease loss provision to assets | 0.1553% | 4,080 |
| Net operating income to assets | 0.8823% | 2,653 |
| Return on assets (ROA) | 0.8823% | 2,716 |
| Pretax return on assets | 1.4757% | 1,517 |
| Return on Equity (ROE) | 10.3998% | 1,955 |
| Retained earnings to average equity (ytd only) | 6.7379% | 2,268 |
| Net charge-offs to loans | 0.2740% | 2,971 |
| Credit loss provision to net charge-offs | 71.4286% | 3,327 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 1,939 |
| Efficiency ratio | 66.4430% | 4,956 |
| Assets per employee ($millions) | 5.1077% | 2,018 |
| Cash dividends to net income (ytd only)* | 35.2113% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 5,817 |
| Loan loss allowance to noncurrent loans | 70.4677% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 2.1786% | 3,093 |
| Noncurrent loans to loans | 1.6405% | 4,021 |
| Net loans and leases to total assets | 75.6577% | 1,080 |
| Net loans and leases to deposits | 103.4247% | 330 |
| Net loans and leases to core deposits | 124.0944% | 338 |
| Total domestic deposits to total assets | 73.1524% | 6,984 |
| Equity capital to assets | 8.4528% | 5,973 |
| Core capital (leverage) ratio | 8.6191% | 5,236 |
| Tier 1 risk-based capital ratio | 11.1727% | 6,376 |
| Total risk-based capital ratio | 14.2243% | 4,831 |
| Memoranda: | ||
| Average total assets | $257,499,000 | 2,494 |
| Average earning assets | $248,009,500 | 2,370 |
| Average equity | $21,846,500 | 2,892 |
| Average total loans | $204,388,500 | 2,061 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9122% | 1,016 |
| Cost of funding earning assets | 1.2821% | 4,004 |
| Net interest margin | 4.6301% | 949 |
| Noninterest income to average assets | 0.1216% | 6,801 |
| Noninterest expense to average assets | 2.9284% | 4,115 |
| Loan and lease loss provision to assets | 0.2920% | 4,459 |
| Net operating income to assets | 0.8355% | 2,648 |
| Return on assets (ROA) | 0.8404% | 2,766 |
| Pretax return on assets | 1.3796% | 1,712 |
| Return on Equity (ROE) | 10.3034% | 1,816 |
| Retained earnings to average equity (ytd only) | 8.0966% | 954 |
| Net charge-offs to loans | 0.3217% | 4,408 |
| Credit loss provision to net charge-offs | 114.0625% | 3,809 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 2,343 |
| Efficiency ratio | 63.7662% | 5,391 |
| Assets per employee ($millions) | 5.4150% | 1,662 |
| Cash dividends to net income (ytd only)* | 21.4184% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 5,877 |
| Loan loss allowance to noncurrent loans | 43.6384% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 2.9127% | 2,406 |
| Noncurrent loans to loans | 2.5675% | 2,962 |
| Net loans and leases to total assets | 81.3513% | 505 |
| Net loans and leases to deposits | 109.1446% | 246 |
| Net loans and leases to core deposits | 134.0561% | 280 |
| Total domestic deposits to total assets | 74.5353% | 6,825 |
| Equity capital to assets | 8.5161% | 5,837 |
| Core capital (leverage) ratio | 8.3024% | 5,683 |
| Tier 1 risk-based capital ratio | 10.7108% | 6,563 |
| Total risk-based capital ratio | 13.7183% | 5,037 |
| Memoranda: | ||
| Average total assets | $250,002,800 | 2,546 |
| Average earning assets | $241,398,800 | 2,414 |
| Average equity | $20,391,400 | 3,091 |
| Average total loans | $198,959,800 | 2,166 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8315% | 1,308 |
| Cost of funding earning assets | 1.3401% | 3,973 |
| Net interest margin | 4.4914% | 1,276 |
| Noninterest income to average assets | 0.0070% | 7,420 |
| Noninterest expense to average assets | 2.8115% | 4,437 |
| Loan and lease loss provision to assets | 0.2357% | 4,717 |
| Net operating income to assets | 0.7925% | 3,033 |
| Return on assets (ROA) | 0.7929% | 3,195 |
| Pretax return on assets | 1.3002% | 2,167 |
| Return on Equity (ROE) | 9.8316% | 2,195 |
| Retained earnings to average equity (ytd only) | 7.8387% | 1,475 |
| Net charge-offs to loans | 0.2309% | 4,549 |
| Credit loss provision to net charge-offs | 129.4118% | 3,130 |
| Earnings coverage of net charge-offs (x) | 8.4295% | 2,168 |
| Efficiency ratio | 64.6783% | 5,113 |
| Assets per employee ($millions) | 5.8884% | 1,310 |
| Cash dividends to net income (ytd only)* | 20.2703% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1313% | 5,805 |
| Loan loss allowance to noncurrent loans | 60.7115% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 1.9804% | 3,491 |
| Noncurrent loans to loans | 1.8633% | 3,852 |
| Net loans and leases to total assets | 79.4392% | 834 |
| Net loans and leases to deposits | 103.8509% | 435 |
| Net loans and leases to core deposits | 125.5308% | 461 |
| Total domestic deposits to total assets | 76.4935% | 6,571 |
| Equity capital to assets | 8.0038% | 6,803 |
| Core capital (leverage) ratio | 8.1465% | 6,125 |
| Tier 1 risk-based capital ratio | 10.2616% | 6,924 |
| Total risk-based capital ratio | 13.5334% | 5,169 |
| Memoranda: | ||
| Average total assets | $248,877,250 | 2,586 |
| Average earning assets | $240,482,000 | 2,454 |
| Average equity | $20,070,750 | 3,181 |
| Average total loans | $196,352,500 | 2,229 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8122% | 1,395 |
| Cost of funding earning assets | 1.4081% | 3,826 |
| Net interest margin | 4.4041% | 1,433 |
| Noninterest income to average assets | 0.0513% | 7,328 |
| Noninterest expense to average assets | 2.7628% | 4,649 |
| Loan and lease loss provision to assets | 0.2444% | 4,476 |
| Net operating income to assets | 0.7911% | 3,006 |
| Return on assets (ROA) | 0.7911% | 3,156 |
| Pretax return on assets | 1.2971% | 2,096 |
| Return on Equity (ROE) | 9.7840% | 2,178 |
| Retained earnings to average equity (ytd only) | 7.7688% | 1,524 |
| Net charge-offs to loans | 0.1195% | 4,983 |
| Credit loss provision to net charge-offs | 260.8696% | 1,456 |
| Earnings coverage of net charge-offs (x) | 16.4522% | 1,403 |
| Efficiency ratio | 64.1870% | 5,300 |
| Assets per employee ($millions) | 6.0853% | 1,168 |
| Cash dividends to net income (ytd only)* | 20.5973% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 5,266 |
| Loan loss allowance to noncurrent loans | 74.3676% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 1.7885% | 3,774 |
| Noncurrent loans to loans | 1.6602% | 4,207 |
| Net loans and leases to total assets | 76.3687% | 1,423 |
| Net loans and leases to deposits | 103.2021% | 528 |
| Net loans and leases to core deposits | 118.1358% | 762 |
| Total domestic deposits to total assets | 73.9992% | 6,970 |
| Equity capital to assets | 7.9548% | 6,800 |
| Core capital (leverage) ratio | 7.9090% | 6,376 |
| Tier 1 risk-based capital ratio | 10.3055% | 6,834 |
| Total risk-based capital ratio | 13.6305% | 4,945 |
| Memoranda: | ||
| Average total assets | $245,473,000 | 2,643 |
| Average earning assets | $237,053,330 | 2,517 |
| Average equity | $19,848,670 | 3,193 |
| Average total loans | $192,412,000 | 2,291 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8773% | 1,257 |
| Cost of funding earning assets | 1.4754% | 3,714 |
| Net interest margin | 4.4020% | 1,386 |
| Noninterest income to average assets | 0.0549% | 7,439 |
| Noninterest expense to average assets | 2.8284% | 4,379 |
| Loan and lease loss provision to assets | 0.2163% | 4,344 |
| Net operating income to assets | 0.7670% | 3,122 |
| Return on assets (ROA) | 0.7670% | 3,236 |
| Pretax return on assets | 1.2595% | 2,178 |
| Return on Equity (ROE) | 9.4046% | 2,338 |
| Retained earnings to average equity (ytd only) | 7.3645% | 1,990 |
| Net charge-offs to loans | -0.0021% | 6,766 |
| Credit loss provision to net charge-offs | -13,000.0000% | 6,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7132% | 5,178 |
| Assets per employee ($millions) | 6.0029% | 1,254 |
| Cash dividends to net income (ytd only)* | 21.6920% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 5,300 |
| Loan loss allowance to noncurrent loans | 131.2431% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 1.2197% | 4,733 |
| Noncurrent loans to loans | 0.9422% | 5,444 |
| Net loans and leases to total assets | 77.4316% | 1,265 |
| Net loans and leases to deposits | 105.5326% | 447 |
| Net loans and leases to core deposits | 132.0405% | 436 |
| Total domestic deposits to total assets | 73.3722% | 7,128 |
| Equity capital to assets | 8.0461% | 6,604 |
| Core capital (leverage) ratio | 7.9363% | 6,332 |
| Tier 1 risk-based capital ratio | 10.0292% | 7,010 |
| Total risk-based capital ratio | 13.3474% | 5,058 |
| Memoranda: | ||
| Average total assets | $240,419,000 | 2,760 |
| Average earning assets | $232,077,500 | 2,621 |
| Average equity | $19,607,500 | 3,251 |
| Average total loans | $189,806,000 | 2,376 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9544% | 2,038 |
| Cost of funding earning assets | 1.7917% | 4,035 |
| Net interest margin | 4.1627% | 2,203 |
| Noninterest income to average assets | 0.1688% | 6,872 |
| Noninterest expense to average assets | 2.8655% | 4,673 |
| Loan and lease loss provision to assets | 0.3792% | 4,514 |
| Net operating income to assets | 0.5577% | 3,492 |
| Return on assets (ROA) | 0.5660% | 3,538 |
| Pretax return on assets | 0.9248% | 2,846 |
| Return on Equity (ROE) | 6.5252% | 2,978 |
| Retained earnings to average equity (ytd only) | 5.0592% | 1,790 |
| Net charge-offs to loans | 0.0723% | 6,385 |
| Credit loss provision to net charge-offs | 661.2903% | 440 |
| Earnings coverage of net charge-offs (x) | 22.5161% | 959 |
| Efficiency ratio | 68.9398% | 4,839 |
| Assets per employee ($millions) | 5.5885% | 1,569 |
| Cash dividends to net income (ytd only)* | 22.4673% | 3,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2081% | 5,309 |
| Loan loss allowance to noncurrent loans | 85.4814% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 1.6279% | 3,927 |
| Noncurrent loans to loans | 1.4133% | 4,557 |
| Net loans and leases to total assets | 78.5607% | 1,271 |
| Net loans and leases to deposits | 105.2470% | 587 |
| Net loans and leases to core deposits | 211.4038% | 78 |
| Total domestic deposits to total assets | 74.6441% | 6,923 |
| Equity capital to assets | 8.2703% | 6,242 |
| Core capital (leverage) ratio | 8.3495% | 5,536 |
| Tier 1 risk-based capital ratio | 10.2535% | 6,631 |
| Total risk-based capital ratio | 13.6592% | 4,550 |
| Memoranda: | ||
| Average total assets | $216,259,800 | 2,999 |
| Average earning assets | $207,175,000 | 2,870 |
| Average equity | $18,758,000 | 3,379 |
| Average total loans | $171,555,800 | 2,605 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9622% | 2,185 |
| Cost of funding earning assets | 1.8613% | 4,090 |
| Net interest margin | 4.1009% | 2,391 |
| Noninterest income to average assets | 0.1707% | 6,989 |
| Noninterest expense to average assets | 2.8223% | 4,805 |
| Loan and lease loss provision to assets | 0.3276% | 4,370 |
| Net operating income to assets | 0.5735% | 3,714 |
| Return on assets (ROA) | 0.5827% | 3,735 |
| Pretax return on assets | 0.9550% | 3,042 |
| Return on Equity (ROE) | 6.6326% | 3,247 |
| Retained earnings to average equity (ytd only) | 5.1985% | 2,372 |
| Net charge-offs to loans | 0.0572% | 6,132 |
| Credit loss provision to net charge-offs | 722.2222% | 520 |
| Earnings coverage of net charge-offs (x) | 27.9576% | 980 |
| Efficiency ratio | 68.9974% | 4,782 |
| Assets per employee ($millions) | 5.0554% | 2,080 |
| Cash dividends to net income (ytd only)* | 21.6217% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 5,245 |
| Loan loss allowance to noncurrent loans | 106.3593% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 1.6611% | 3,878 |
| Noncurrent loans to loans | 1.1073% | 5,100 |
| Net loans and leases to total assets | 79.3186% | 1,322 |
| Net loans and leases to deposits | 112.0362% | 388 |
| Net loans and leases to core deposits | 224.3635% | 66 |
| Total domestic deposits to total assets | 70.7973% | 7,350 |
| Equity capital to assets | 9.0234% | 5,449 |
| Core capital (leverage) ratio | 8.8048% | 4,964 |
| Tier 1 risk-based capital ratio | 10.4612% | 6,514 |
| Total risk-based capital ratio | 13.8752% | 4,405 |
| Memoranda: | ||
| Average total assets | $211,645,000 | 3,070 |
| Average earning assets | $202,291,500 | 2,957 |
| Average equity | $18,594,500 | 3,437 |
| Average total loans | $167,781,750 | 2,677 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9501% | 2,391 |
| Cost of funding earning assets | 1.9145% | 4,190 |
| Net interest margin | 4.0356% | 2,552 |
| Noninterest income to average assets | 0.1693% | 7,078 |
| Noninterest expense to average assets | 2.7718% | 5,083 |
| Loan and lease loss provision to assets | 0.3311% | 3,949 |
| Net operating income to assets | 0.5552% | 3,858 |
| Return on assets (ROA) | 0.5685% | 3,930 |
| Pretax return on assets | 0.9299% | 3,242 |
| Return on Equity (ROE) | 6.5304% | 3,420 |
| Retained earnings to average equity (ytd only) | 5.1721% | 2,412 |
| Net charge-offs to loans | 0.0863% | 5,347 |
| Credit loss provision to net charge-offs | 486.1111% | 951 |
| Earnings coverage of net charge-offs (x) | 18.2083% | 1,421 |
| Efficiency ratio | 69.0875% | 4,963 |
| Assets per employee ($millions) | 5.3138% | 1,759 |
| Cash dividends to net income (ytd only)* | 20.7987% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0826% | 5,715 |
| Loan loss allowance to noncurrent loans | 91.9419% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 1.5460% | 3,907 |
| Noncurrent loans to loans | 1.1775% | 4,862 |
| Net loans and leases to total assets | 80.9905% | 1,143 |
| Net loans and leases to deposits | 112.1802% | 468 |
| Net loans and leases to core deposits | 196.4328% | 134 |
| Total domestic deposits to total assets | 72.1968% | 7,218 |
| Equity capital to assets | 9.0552% | 5,236 |
| Core capital (leverage) ratio | 8.6863% | 5,116 |
| Tier 1 risk-based capital ratio | 10.4391% | 6,436 |
| Total risk-based capital ratio | 13.8116% | 4,395 |
| Memoranda: | ||
| Average total assets | $211,418,000 | 3,092 |
| Average earning assets | $201,307,000 | 2,983 |
| Average equity | $18,406,330 | 3,488 |
| Average total loans | $166,902,000 | 2,716 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7462% | 3,549 |
| Cost of funding earning assets | 1.9697% | 4,288 |
| Net interest margin | 3.7766% | 3,551 |
| Noninterest income to average assets | 0.1892% | 6,938 |
| Noninterest expense to average assets | 2.6547% | 5,202 |
| Loan and lease loss provision to assets | 0.2998% | 3,549 |
| Net operating income to assets | 0.4882% | 4,477 |
| Return on assets (ROA) | 0.5133% | 4,552 |
| Pretax return on assets | 0.8374% | 3,940 |
| Return on Equity (ROE) | 6.0132% | 4,035 |
| Retained earnings to average equity (ytd only) | 4.9159% | 3,174 |
| Net charge-offs to loans | 0.1813% | 3,554 |
| Credit loss provision to net charge-offs | 213.3333% | 2,113 |
| Earnings coverage of net charge-offs (x) | 7.8133% | 2,294 |
| Efficiency ratio | 70.7439% | 4,423 |
| Assets per employee ($millions) | 5.7832% | 1,333 |
| Cash dividends to net income (ytd only)* | 18.2482% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9669% | 6,388 |
| Loan loss allowance to noncurrent loans | 64.6874% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 1.8007% | 3,213 |
| Noncurrent loans to loans | 1.4947% | 4,050 |
| Net loans and leases to total assets | 80.9276% | 1,216 |
| Net loans and leases to deposits | 108.0522% | 721 |
| Net loans and leases to core deposits | 176.9795% | 270 |
| Total domestic deposits to total assets | 74.8967% | 6,729 |
| Equity capital to assets | 8.8008% | 5,624 |
| Core capital (leverage) ratio | 8.7610% | 5,045 |
| Tier 1 risk-based capital ratio | 9.9947% | 6,929 |
| Total risk-based capital ratio | 13.1679% | 4,939 |
| Memoranda: | ||
| Average total assets | $213,507,500 | 3,074 |
| Average earning assets | $201,453,500 | 2,998 |
| Average equity | $18,226,500 | 3,531 |
| Average total loans | $165,512,500 | 2,761 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1275% | 4,912 |
| Cost of funding earning assets | 2.4411% | 4,521 |
| Net interest margin | 3.6864% | 4,525 |
| Noninterest income to average assets | 0.1578% | 7,297 |
| Noninterest expense to average assets | 2.7203% | 5,172 |
| Loan and lease loss provision to assets | 0.3572% | 3,542 |
| Net operating income to assets | 0.3973% | 5,157 |
| Return on assets (ROA) | 0.3973% | 4,971 |
| Pretax return on assets | 0.6305% | 4,600 |
| Return on Equity (ROE) | 5.1643% | 4,302 |
| Retained earnings to average equity (ytd only) | 3.7926% | 2,773 |
| Net charge-offs to loans | 0.1828% | 4,368 |
| Credit loss provision to net charge-offs | 259.3870% | 1,784 |
| Earnings coverage of net charge-offs (x) | 7.1724% | 3,169 |
| Efficiency ratio | 73.3637% | 3,682 |
| Assets per employee ($millions) | 6.2520% | 1,007 |
| Cash dividends to net income (ytd only)* | 26.5604% | 4,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9690% | 6,273 |
| Loan loss allowance to noncurrent loans | 74.1675% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 0.9606% | 4,429 |
| Noncurrent loans to loans | 1.3065% | 3,897 |
| Net loans and leases to total assets | 72.8150% | 3,408 |
| Net loans and leases to deposits | 100.7965% | 1,740 |
| Net loans and leases to core deposits | 140.5400% | 1,237 |
| Total domestic deposits to total assets | 72.2396% | 6,958 |
| Equity capital to assets | 8.2854% | 6,441 |
| Core capital (leverage) ratio | 8.6496% | 5,285 |
| Tier 1 risk-based capital ratio | 10.4119% | 6,301 |
| Total risk-based capital ratio | 11.3921% | 6,448 |
| Memoranda: | ||
| Average total assets | $189,537,200 | 3,276 |
| Average earning assets | $182,537,600 | 3,153 |
| Average equity | $14,581,000 | 4,225 |
| Average total loans | $142,744,200 | 3,044 |