Home > North Shore Bank, a Co-operative Bank > Performance and Condition Ratios
North Shore Bank, a Co-operative Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7692% | 2,539 |
| Cost of funding earning assets | 0.9832% | 3,332 |
| Net interest margin | 3.7860% | 1,585 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.2789% | 2,907 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.1117% | 1,886 |
| Return on assets (ROA) | 1.1140% | 1,855 |
| Pretax return on assets | 1.5107% | 1,392 |
| Return on Equity (ROE) | 9.2800% | 2,690 |
| Retained earnings to average equity (ytd only) | 8.9525% | 1,269 |
| Net charge-offs to loans | 0.0068% | 2,429 |
| Credit loss provision to net charge-offs | 2,011.4943% | 221 |
| Earnings coverage of net charge-offs (x) | 303.4483% | 432 |
| Efficiency ratio | 57.9437% | 3,301 |
| Assets per employee ($millions) | 8.9380% | 1,006 |
| Cash dividends to net income (ytd only)* | 3.5765% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5054% | 1,035 |
| Loan loss allowance to noncurrent loans | 563.1120% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.2138% | 2,155 |
| Noncurrent loans to loans | 0.2673% | 2,230 |
| Net loans and leases to total assets | 78.7600% | 789 |
| Net loans and leases to deposits | 95.4927% | 825 |
| Net loans and leases to core deposits | 105.2338% | 1,150 |
| Total domestic deposits to total assets | 82.4800% | 3,033 |
| Equity capital to assets | 12.3091% | 1,034 |
| Core capital (leverage) ratio | 12.3374% | 1,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6356% | 972 |
| Memoranda: | ||
| Average total assets | $1,631,458,200 | 668 |
| Average earning assets | $1,546,540,600 | 648 |
| Average equity | $195,744,000 | 550 |
| Average total loans | $1,283,673,800 | 590 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7167% | 2,438 |
| Cost of funding earning assets | 0.8308% | 3,451 |
| Net interest margin | 3.8859% | 1,429 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.2689% | 2,891 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.1785% | 1,849 |
| Return on assets (ROA) | 1.1626% | 1,878 |
| Pretax return on assets | 1.5882% | 1,386 |
| Return on Equity (ROE) | 9.7500% | 2,714 |
| Retained earnings to average equity (ytd only) | 9.3066% | 1,604 |
| Net charge-offs to loans | 0.0079% | 2,122 |
| Credit loss provision to net charge-offs | 1,733.3333% | 274 |
| Earnings coverage of net charge-offs (x) | 281.8133% | 474 |
| Efficiency ratio | 56.0810% | 3,396 |
| Assets per employee ($millions) | 8.7650% | 1,019 |
| Cash dividends to net income (ytd only)* | 4.5910% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 1,089 |
| Loan loss allowance to noncurrent loans | 546.1775% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 2,170 |
| Noncurrent loans to loans | 0.2761% | 2,249 |
| Net loans and leases to total assets | 78.0100% | 883 |
| Net loans and leases to deposits | 92.6866% | 1,003 |
| Net loans and leases to core deposits | 100.9804% | 1,260 |
| Total domestic deposits to total assets | 84.1600% | 2,729 |
| Equity capital to assets | 12.1709% | 993 |
| Core capital (leverage) ratio | 12.2157% | 1,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6309% | 1,001 |
| Memoranda: | ||
| Average total assets | $1,623,703,500 | 675 |
| Average earning assets | $1,539,625,750 | 654 |
| Average equity | $193,521,000 | 548 |
| Average total loans | $1,272,231,750 | 596 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5766% | 2,465 |
| Cost of funding earning assets | 0.6950% | 3,503 |
| Net interest margin | 3.8817% | 1,459 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.2499% | 2,954 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.2209% | 1,771 |
| Return on assets (ROA) | 1.2064% | 1,805 |
| Pretax return on assets | 1.6480% | 1,321 |
| Return on Equity (ROE) | 10.1900% | 2,647 |
| Retained earnings to average equity (ytd only) | 9.5159% | 1,535 |
| Net charge-offs to loans | 0.0021% | 2,299 |
| Credit loss provision to net charge-offs | 5,769.2308% | 102 |
| Earnings coverage of net charge-offs (x) | 1,106.6154% | 127 |
| Efficiency ratio | 55.2678% | 3,501 |
| Assets per employee ($millions) | 9.5959% | 756 |
| Cash dividends to net income (ytd only)* | 6.6578% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4811% | 1,238 |
| Loan loss allowance to noncurrent loans | 331.2565% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.3532% | 1,503 |
| Noncurrent loans to loans | 0.4471% | 1,602 |
| Net loans and leases to total assets | 77.8300% | 855 |
| Net loans and leases to deposits | 90.5302% | 1,144 |
| Net loans and leases to core deposits | 97.3769% | 1,391 |
| Total domestic deposits to total assets | 85.9700% | 2,236 |
| Equity capital to assets | 11.9961% | 1,050 |
| Core capital (leverage) ratio | 12.0682% | 1,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3553% | 1,056 |
| Memoranda: | ||
| Average total assets | $1,618,587,000 | 666 |
| Average earning assets | $1,535,013,000 | 647 |
| Average equity | $191,532,333 | 543 |
| Average total loans | $1,263,580,667 | 590 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4652% | 2,402 |
| Cost of funding earning assets | 0.5230% | 3,620 |
| Net interest margin | 3.9422% | 1,381 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.2704% | 2,891 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.3057% | 1,652 |
| Return on assets (ROA) | 1.2691% | 1,721 |
| Pretax return on assets | 1.7338% | 1,210 |
| Return on Equity (ROE) | 10.8000% | 2,542 |
| Retained earnings to average equity (ytd only) | 10.7996% | 1,512 |
| Net charge-offs to loans | 0.0029% | 1,915 |
| Credit loss provision to net charge-offs | 3,333.3333% | 136 |
| Earnings coverage of net charge-offs (x) | 847.2222% | 129 |
| Efficiency ratio | 53.9700% | 3,605 |
| Assets per employee ($millions) | 9.2427% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4892% | 1,309 |
| Loan loss allowance to noncurrent loans | 307.3030% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.3772% | 1,367 |
| Noncurrent loans to loans | 0.4846% | 1,502 |
| Net loans and leases to total assets | 76.6700% | 909 |
| Net loans and leases to deposits | 89.4253% | 1,096 |
| Net loans and leases to core deposits | 95.0209% | 1,328 |
| Total domestic deposits to total assets | 85.7400% | 2,666 |
| Equity capital to assets | 11.9374% | 1,013 |
| Core capital (leverage) ratio | 11.9903% | 1,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4131% | 1,089 |
| Memoranda: | ||
| Average total assets | $1,612,226,000 | 682 |
| Average earning assets | $1,528,789,000 | 659 |
| Average equity | $189,452,000 | 559 |
| Average total loans | $1,251,008,000 | 599 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8605% | 2,094 |
| Cost of funding earning assets | 0.1932% | 3,814 |
| Net interest margin | 3.6673% | 1,457 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.1622% | 3,120 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.1289% | 2,061 |
| Return on assets (ROA) | 1.1105% | 2,058 |
| Pretax return on assets | 1.5154% | 1,407 |
| Return on Equity (ROE) | 10.3300% | 2,703 |
| Retained earnings to average equity (ytd only) | 10.1321% | 1,111 |
| Net charge-offs to loans | -0.0073% | 3,723 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.2947% | 3,553 |
| Assets per employee ($millions) | 9.1312% | 876 |
| Cash dividends to net income (ytd only)* | 1.9003% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4676% | 1,296 |
| Loan loss allowance to noncurrent loans | 300.5733% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.3777% | 1,356 |
| Noncurrent loans to loans | 0.4883% | 1,484 |
| Net loans and leases to total assets | 76.2200% | 989 |
| Net loans and leases to deposits | 87.9978% | 1,173 |
| Net loans and leases to core deposits | 92.2278% | 1,373 |
| Total domestic deposits to total assets | 86.6200% | 2,523 |
| Equity capital to assets | 11.5654% | 1,066 |
| Core capital (leverage) ratio | 11.4170% | 1,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9490% | 1,133 |
| Memoranda: | ||
| Average total assets | $1,658,487,600 | 648 |
| Average earning assets | $1,587,502,400 | 625 |
| Average equity | $178,324,600 | 578 |
| Average total loans | $1,205,578,200 | 579 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6594% | 2,165 |
| Cost of funding earning assets | 0.1727% | 3,596 |
| Net interest margin | 3.4868% | 1,699 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.1197% | 3,162 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.0614% | 2,244 |
| Return on assets (ROA) | 1.0206% | 2,380 |
| Pretax return on assets | 1.3980% | 1,726 |
| Return on Equity (ROE) | 9.6700% | 2,822 |
| Retained earnings to average equity (ytd only) | 9.4041% | 1,516 |
| Net charge-offs to loans | -0.0119% | 3,774 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.6479% | 3,427 |
| Assets per employee ($millions) | 9.4098% | 781 |
| Cash dividends to net income (ytd only)* | 2.7395% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 1,478 |
| Loan loss allowance to noncurrent loans | 388.4445% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.2717% | 1,861 |
| Noncurrent loans to loans | 0.3710% | 1,909 |
| Net loans and leases to total assets | 72.1900% | 1,273 |
| Net loans and leases to deposits | 81.9792% | 1,445 |
| Net loans and leases to core deposits | 85.5678% | 1,551 |
| Total domestic deposits to total assets | 88.0500% | 2,418 |
| Equity capital to assets | 10.8651% | 1,225 |
| Core capital (leverage) ratio | 10.7881% | 1,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7967% | 1,219 |
| Memoranda: | ||
| Average total assets | $1,669,052,750 | 653 |
| Average earning assets | $1,601,410,000 | 619 |
| Average equity | $176,175,000 | 594 |
| Average total loans | $1,194,395,500 | 578 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4983% | 2,149 |
| Cost of funding earning assets | 0.1707% | 3,306 |
| Net interest margin | 3.3277% | 1,830 |
| Noninterest income to average assets | 0.2543% | 3,646 |
| Noninterest expense to average assets | 2.0925% | 3,176 |
| Loan and lease loss provision to assets | 0.0449% | 1,772 |
| Net operating income to assets | 0.9585% | 2,321 |
| Return on assets (ROA) | 0.9150% | 2,489 |
| Pretax return on assets | 1.2534% | 1,889 |
| Return on Equity (ROE) | 8.7536% | 2,773 |
| Retained earnings to average equity (ytd only) | 8.7536% | 1,359 |
| Net charge-offs to loans | -0.0191% | 3,846 |
| Credit loss provision to net charge-offs | -331.8584% | 3,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9611% | 3,301 |
| Assets per employee ($millions) | 9.5530% | 743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4274% | 1,647 |
| Loan loss allowance to noncurrent loans | 350.1120% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.2903% | 1,844 |
| Noncurrent loans to loans | 0.4077% | 1,904 |
| Net loans and leases to total assets | 70.1940% | 1,285 |
| Net loans and leases to deposits | 79.2711% | 1,440 |
| Net loans and leases to core deposits | 82.5025% | 1,558 |
| Total domestic deposits to total assets | 88.5494% | 2,360 |
| Equity capital to assets | 10.5024% | 1,432 |
| Core capital (leverage) ratio | 10.4525% | 1,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4436% | 1,316 |
| Memoranda: | ||
| Average total assets | $1,670,227,333 | 644 |
| Average earning assets | $1,601,908,000 | 620 |
| Average equity | $174,579,333 | 603 |
| Average total loans | $1,185,903,000 | 572 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3783% | 2,151 |
| Cost of funding earning assets | 0.1800% | 3,085 |
| Net interest margin | 3.1983% | 1,887 |
| Noninterest income to average assets | 0.2484% | 3,658 |
| Noninterest expense to average assets | 2.1430% | 3,003 |
| Loan and lease loss provision to assets | 0.0453% | 1,549 |
| Net operating income to assets | 0.8254% | 2,572 |
| Return on assets (ROA) | 0.8140% | 2,609 |
| Pretax return on assets | 1.1150% | 2,090 |
| Return on Equity (ROE) | 7.8069% | 2,755 |
| Retained earnings to average equity (ytd only) | 7.8069% | 1,640 |
| Net charge-offs to loans | 0.0024% | 1,726 |
| Credit loss provision to net charge-offs | 2,685.7143% | 160 |
| Earnings coverage of net charge-offs (x) | 696.4286% | 139 |
| Efficiency ratio | 63.7929% | 3,050 |
| Assets per employee ($millions) | 9.3265% | 818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4338% | 1,783 |
| Loan loss allowance to noncurrent loans | 339.9799% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.2958% | 1,937 |
| Noncurrent loans to loans | 0.4217% | 1,974 |
| Net loans and leases to total assets | 69.1206% | 1,103 |
| Net loans and leases to deposits | 78.1381% | 1,275 |
| Net loans and leases to core deposits | 81.3934% | 1,391 |
| Total domestic deposits to total assets | 88.4596% | 2,313 |
| Equity capital to assets | 10.3691% | 1,645 |
| Core capital (leverage) ratio | 10.4218% | 1,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7173% | 1,332 |
| Memoranda: | ||
| Average total assets | $1,659,903,500 | 653 |
| Average earning assets | $1,592,973,500 | 625 |
| Average equity | $173,077,500 | 630 |
| Average total loans | $1,176,814,500 | 574 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6455% | 2,266 |
| Cost of funding earning assets | 0.2500% | 2,937 |
| Net interest margin | 3.3955% | 2,044 |
| Noninterest income to average assets | 0.3953% | 3,073 |
| Noninterest expense to average assets | 2.2504% | 2,951 |
| Loan and lease loss provision to assets | 0.1113% | 1,132 |
| Net operating income to assets | 0.9305% | 2,935 |
| Return on assets (ROA) | 0.9640% | 2,886 |
| Pretax return on assets | 1.3225% | 2,288 |
| Return on Equity (ROE) | 9.2037% | 2,827 |
| Retained earnings to average equity (ytd only) | 9.0521% | 1,181 |
| Net charge-offs to loans | 0.0018% | 2,583 |
| Credit loss provision to net charge-offs | 8,347.6190% | 83 |
| Earnings coverage of net charge-offs (x) | 1,043.3333% | 142 |
| Efficiency ratio | 60.9668% | 2,999 |
| Assets per employee ($millions) | 9.3773% | 817 |
| Cash dividends to net income (ytd only)* | 1.6470% | 3,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4195% | 1,844 |
| Loan loss allowance to noncurrent loans | 334.1805% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.3045% | 2,012 |
| Noncurrent loans to loans | 0.4248% | 2,074 |
| Net loans and leases to total assets | 70.6671% | 966 |
| Net loans and leases to deposits | 80.0526% | 1,210 |
| Net loans and leases to core deposits | 83.3903% | 1,368 |
| Total domestic deposits to total assets | 88.2759% | 1,887 |
| Equity capital to assets | 10.4862% | 2,191 |
| Core capital (leverage) ratio | 10.3359% | 2,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6950% | 1,341 |
| Memoranda: | ||
| Average total assets | $1,574,619,400 | 658 |
| Average earning assets | $1,505,552,600 | 633 |
| Average equity | $164,922,400 | 658 |
| Average total loans | $1,155,465,800 | 573 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7201% | 2,220 |
| Cost of funding earning assets | 0.2684% | 2,918 |
| Net interest margin | 3.4516% | 2,006 |
| Noninterest income to average assets | 0.4164% | 3,001 |
| Noninterest expense to average assets | 2.2809% | 2,804 |
| Loan and lease loss provision to assets | 0.1243% | 940 |
| Net operating income to assets | 0.9505% | 3,079 |
| Return on assets (ROA) | 0.9774% | 3,077 |
| Pretax return on assets | 1.3412% | 2,509 |
| Return on Equity (ROE) | 9.3345% | 2,992 |
| Retained earnings to average equity (ytd only) | 9.1302% | 1,648 |
| Net charge-offs to loans | 0.0017% | 2,344 |
| Credit loss provision to net charge-offs | 9,686.6667% | 80 |
| Earnings coverage of net charge-offs (x) | 1,115.2000% | 147 |
| Efficiency ratio | 60.6026% | 2,895 |
| Assets per employee ($millions) | 8.4748% | 1,062 |
| Cash dividends to net income (ytd only)* | 2.1890% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4316% | 1,880 |
| Loan loss allowance to noncurrent loans | 328.6916% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.3133% | 2,207 |
| Noncurrent loans to loans | 0.4356% | 2,250 |
| Net loans and leases to total assets | 70.8914% | 1,002 |
| Net loans and leases to deposits | 80.6641% | 1,226 |
| Net loans and leases to core deposits | 84.0505% | 1,425 |
| Total domestic deposits to total assets | 87.8847% | 1,911 |
| Equity capital to assets | 10.5746% | 2,394 |
| Core capital (leverage) ratio | 10.3715% | 2,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2378% | 1,298 |
| Memoranda: | ||
| Average total assets | $1,558,015,500 | 670 |
| Average earning assets | $1,487,755,250 | 649 |
| Average equity | $163,132,500 | 669 |
| Average total loans | $1,150,239,500 | 588 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7570% | 2,185 |
| Cost of funding earning assets | 0.2894% | 2,879 |
| Net interest margin | 3.4677% | 1,953 |
| Noninterest income to average assets | 0.4559% | 2,816 |
| Noninterest expense to average assets | 2.3080% | 2,749 |
| Loan and lease loss provision to assets | 0.1681% | 691 |
| Net operating income to assets | 0.9467% | 3,070 |
| Return on assets (ROA) | 0.9908% | 3,007 |
| Pretax return on assets | 1.3449% | 2,498 |
| Return on Equity (ROE) | 9.4949% | 2,952 |
| Retained earnings to average equity (ytd only) | 9.4949% | 1,556 |
| Net charge-offs to loans | 0.0014% | 2,178 |
| Credit loss provision to net charge-offs | 16,250.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 1,408.3750% | 82 |
| Efficiency ratio | 60.4651% | 2,947 |
| Assets per employee ($millions) | 8.3546% | 1,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 1,981 |
| Loan loss allowance to noncurrent loans | 304.4757% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.3364% | 2,248 |
| Noncurrent loans to loans | 0.4592% | 2,299 |
| Net loans and leases to total assets | 72.2313% | 934 |
| Net loans and leases to deposits | 82.3427% | 1,195 |
| Net loans and leases to core deposits | 86.3113% | 1,392 |
| Total domestic deposits to total assets | 87.7203% | 1,972 |
| Equity capital to assets | 10.4020% | 2,486 |
| Core capital (leverage) ratio | 10.2700% | 2,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9009% | 1,362 |
| Memoranda: | ||
| Average total assets | $1,546,263,667 | 671 |
| Average earning assets | $1,475,688,667 | 647 |
| Average equity | $161,349,333 | 671 |
| Average total loans | $1,151,687,000 | 592 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8227% | 2,033 |
| Cost of funding earning assets | 0.3190% | 2,804 |
| Net interest margin | 3.5037% | 1,814 |
| Noninterest income to average assets | 0.5175% | 2,529 |
| Noninterest expense to average assets | 2.3826% | 2,549 |
| Loan and lease loss provision to assets | 0.1835% | 671 |
| Net operating income to assets | 0.9540% | 2,959 |
| Return on assets (ROA) | 1.0149% | 2,852 |
| Pretax return on assets | 1.3714% | 2,365 |
| Return on Equity (ROE) | 9.7100% | 2,783 |
| Retained earnings to average equity (ytd only) | 9.7100% | 1,738 |
| Net charge-offs to loans | 0.0038% | 1,786 |
| Credit loss provision to net charge-offs | 6,363.6364% | 99 |
| Earnings coverage of net charge-offs (x) | 512.4545% | 186 |
| Efficiency ratio | 60.8964% | 2,918 |
| Assets per employee ($millions) | 8.0895% | 1,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3762% | 2,074 |
| Loan loss allowance to noncurrent loans | 267.0305% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.3775% | 2,291 |
| Noncurrent loans to loans | 0.5154% | 2,308 |
| Net loans and leases to total assets | 72.2384% | 985 |
| Net loans and leases to deposits | 82.3839% | 1,309 |
| Net loans and leases to core deposits | 86.7839% | 1,470 |
| Total domestic deposits to total assets | 87.6851% | 2,003 |
| Equity capital to assets | 10.3823% | 2,368 |
| Core capital (leverage) ratio | 10.3177% | 2,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2009% | 1,248 |
| Memoranda: | ||
| Average total assets | $1,525,704,500 | 670 |
| Average earning assets | $1,455,731,000 | 649 |
| Average equity | $159,464,500 | 671 |
| Average total loans | $1,146,107,500 | 594 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2299% | 2,056 |
| Cost of funding earning assets | 0.5755% | 2,480 |
| Net interest margin | 3.6544% | 1,963 |
| Noninterest income to average assets | 0.4646% | 2,794 |
| Noninterest expense to average assets | 2.5337% | 2,741 |
| Loan and lease loss provision to assets | 0.3786% | 855 |
| Net operating income to assets | 0.7745% | 3,190 |
| Return on assets (ROA) | 0.8037% | 3,195 |
| Pretax return on assets | 1.0575% | 2,846 |
| Return on Equity (ROE) | 7.7197% | 2,918 |
| Retained earnings to average equity (ytd only) | 7.5544% | 1,181 |
| Net charge-offs to loans | 0.0030% | 3,272 |
| Credit loss provision to net charge-offs | 15,714.2857% | 65 |
| Earnings coverage of net charge-offs (x) | 580.6857% | 207 |
| Efficiency ratio | 63.5321% | 2,888 |
| Assets per employee ($millions) | 7.7229% | 1,156 |
| Cash dividends to net income (ytd only)* | 2.1415% | 3,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2963% | 2,431 |
| Loan loss allowance to noncurrent loans | 194.2505% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.5143% | 2,014 |
| Noncurrent loans to loans | 0.6673% | 2,019 |
| Net loans and leases to total assets | 76.0631% | 784 |
| Net loans and leases to deposits | 87.1587% | 1,162 |
| Net loans and leases to core deposits | 92.3609% | 1,357 |
| Total domestic deposits to total assets | 87.2697% | 1,811 |
| Equity capital to assets | 10.5239% | 2,653 |
| Core capital (leverage) ratio | 10.1705% | 2,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4408% | 1,418 |
| Memoranda: | ||
| Average total assets | $1,452,556,800 | 632 |
| Average earning assets | $1,378,551,400 | 611 |
| Average equity | $151,223,800 | 672 |
| Average total loans | $1,169,944,400 | 557 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3032% | 2,093 |
| Cost of funding earning assets | 0.6291% | 2,435 |
| Net interest margin | 3.6741% | 2,027 |
| Noninterest income to average assets | 0.4276% | 2,948 |
| Noninterest expense to average assets | 2.5343% | 2,733 |
| Loan and lease loss provision to assets | 0.3816% | 961 |
| Net operating income to assets | 0.7361% | 3,333 |
| Return on assets (ROA) | 0.7375% | 3,430 |
| Pretax return on assets | 0.9959% | 3,084 |
| Return on Equity (ROE) | 7.1044% | 3,152 |
| Retained earnings to average equity (ytd only) | 6.8817% | 1,743 |
| Net charge-offs to loans | 0.0036% | 3,036 |
| Credit loss provision to net charge-offs | 12,890.6250% | 98 |
| Earnings coverage of net charge-offs (x) | 464.6563% | 244 |
| Efficiency ratio | 63.8990% | 2,752 |
| Assets per employee ($millions) | 7.6572% | 1,138 |
| Cash dividends to net income (ytd only)* | 3.1360% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 3,014 |
| Loan loss allowance to noncurrent loans | 174.3843% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.5168% | 2,143 |
| Noncurrent loans to loans | 0.6503% | 2,165 |
| Net loans and leases to total assets | 78.5740% | 763 |
| Net loans and leases to deposits | 90.3903% | 1,231 |
| Net loans and leases to core deposits | 96.2656% | 1,435 |
| Total domestic deposits to total assets | 86.9274% | 1,697 |
| Equity capital to assets | 10.2086% | 3,059 |
| Core capital (leverage) ratio | 10.0343% | 2,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7412% | 1,575 |
| Memoranda: | ||
| Average total assets | $1,441,137,750 | 621 |
| Average earning assets | $1,365,936,750 | 600 |
| Average equity | $149,611,500 | 666 |
| Average total loans | $1,173,788,000 | 547 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4137% | 2,173 |
| Cost of funding earning assets | 0.7149% | 2,307 |
| Net interest margin | 3.6988% | 2,166 |
| Noninterest income to average assets | 0.3199% | 3,549 |
| Noninterest expense to average assets | 2.5373% | 2,862 |
| Loan and lease loss provision to assets | 0.3877% | 1,059 |
| Net operating income to assets | 0.6466% | 3,592 |
| Return on assets (ROA) | 0.6338% | 3,713 |
| Pretax return on assets | 0.8802% | 3,370 |
| Return on Equity (ROE) | 6.0695% | 3,481 |
| Retained earnings to average equity (ytd only) | 5.7320% | 2,181 |
| Net charge-offs to loans | 0.0043% | 2,825 |
| Credit loss provision to net charge-offs | 11,000.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 364.3600% | 284 |
| Efficiency ratio | 65.4407% | 2,596 |
| Assets per employee ($millions) | 7.1671% | 1,353 |
| Cash dividends to net income (ytd only)* | 5.5605% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0217% | 3,458 |
| Loan loss allowance to noncurrent loans | 139.1329% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.5895% | 2,046 |
| Noncurrent loans to loans | 0.7343% | 2,039 |
| Net loans and leases to total assets | 79.4558% | 660 |
| Net loans and leases to deposits | 91.8773% | 1,176 |
| Net loans and leases to core deposits | 98.4942% | 1,371 |
| Total domestic deposits to total assets | 86.4804% | 1,812 |
| Equity capital to assets | 10.0991% | 3,110 |
| Core capital (leverage) ratio | 9.9794% | 2,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3230% | 1,686 |
| Memoranda: | ||
| Average total assets | $1,418,696,000 | 617 |
| Average earning assets | $1,343,042,333 | 595 |
| Average equity | $148,151,000 | 666 |
| Average total loans | $1,165,432,667 | 544 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7135% | 1,674 |
| Cost of funding earning assets | 0.8235% | 2,255 |
| Net interest margin | 3.8900% | 1,702 |
| Noninterest income to average assets | 0.3243% | 3,581 |
| Noninterest expense to average assets | 2.6459% | 2,845 |
| Loan and lease loss provision to assets | 0.3978% | 768 |
| Net operating income to assets | 0.6957% | 3,288 |
| Return on assets (ROA) | 0.6150% | 3,616 |
| Pretax return on assets | 0.8546% | 3,271 |
| Return on Equity (ROE) | 5.7870% | 3,394 |
| Retained earnings to average equity (ytd only) | 5.7870% | 1,960 |
| Net charge-offs to loans | 0.0021% | 2,520 |
| Credit loss provision to net charge-offs | 22,916.6667% | 26 |
| Earnings coverage of net charge-offs (x) | 780.3333% | 74 |
| Efficiency ratio | 65.2083% | 3,060 |
| Assets per employee ($millions) | 6.5338% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9468% | 3,945 |
| Loan loss allowance to noncurrent loans | 146.8459% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.5714% | 2,286 |
| Noncurrent loans to loans | 0.6448% | 2,379 |
| Net loans and leases to total assets | 82.4947% | 397 |
| Net loans and leases to deposits | 97.9868% | 716 |
| Net loans and leases to core deposits | 107.6630% | 960 |
| Total domestic deposits to total assets | 84.1896% | 2,716 |
| Equity capital to assets | 10.7530% | 3,094 |
| Core capital (leverage) ratio | 10.4164% | 3,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7018% | 2,003 |
| Memoranda: | ||
| Average total assets | $1,382,667,500 | 610 |
| Average earning assets | $1,306,626,500 | 590 |
| Average equity | $146,950,000 | 669 |
| Average total loans | $1,149,790,500 | 530 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6937% | 2,348 |
| Cost of funding earning assets | 0.9037% | 2,172 |
| Net interest margin | 3.7899% | 2,535 |
| Noninterest income to average assets | 0.3436% | 3,651 |
| Noninterest expense to average assets | 2.8249% | 2,518 |
| Loan and lease loss provision to assets | 0.1249% | 1,701 |
| Net operating income to assets | 0.7144% | 3,824 |
| Return on assets (ROA) | 0.7235% | 3,857 |
| Pretax return on assets | 0.9762% | 3,521 |
| Return on Equity (ROE) | 6.6486% | 3,687 |
| Retained earnings to average equity (ytd only) | 1.7016% | 4,123 |
| Net charge-offs to loans | 0.0042% | 3,530 |
| Credit loss provision to net charge-offs | 3,617.6471% | 118 |
| Earnings coverage of net charge-offs (x) | 315.5000% | 276 |
| Efficiency ratio | 71.4619% | 1,948 |
| Assets per employee ($millions) | 6.6991% | 1,181 |
| Cash dividends to net income (ytd only)* | 74.4069% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8252% | 4,233 |
| Loan loss allowance to noncurrent loans | 185.6222% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.4034% | 2,787 |
| Noncurrent loans to loans | 0.4446% | 2,850 |
| Net loans and leases to total assets | 82.3471% | 514 |
| Net loans and leases to deposits | 98.3742% | 725 |
| Net loans and leases to core deposits | 108.0455% | 970 |
| Total domestic deposits to total assets | 83.7080% | 2,948 |
| Equity capital to assets | 10.5038% | 3,441 |
| Core capital (leverage) ratio | 10.0994% | 3,412 |
| Tier 1 risk-based capital ratio | 13.3503% | 3,607 |
| Total risk-based capital ratio | 14.2614% | 3,661 |
| Memoranda: | ||
| Average total assets | $984,501,600 | 796 |
| Average earning assets | $927,592,200 | 774 |
| Average equity | $107,135,200 | 850 |
| Average total loans | $801,912,600 | 715 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6055% | 2,704 |
| Cost of funding earning assets | 0.8690% | 2,371 |
| Net interest margin | 3.7365% | 2,802 |
| Noninterest income to average assets | 0.3413% | 3,684 |
| Noninterest expense to average assets | 2.7328% | 2,776 |
| Loan and lease loss provision to assets | 0.1380% | 1,403 |
| Net operating income to assets | 0.7379% | 3,886 |
| Return on assets (ROA) | 0.7379% | 3,953 |
| Pretax return on assets | 0.9902% | 3,622 |
| Return on Equity (ROE) | 6.6894% | 3,817 |
| Retained earnings to average equity (ytd only) | 6.4159% | 2,164 |
| Net charge-offs to loans | 0.0078% | 3,098 |
| Credit loss provision to net charge-offs | 2,178.5714% | 194 |
| Earnings coverage of net charge-offs (x) | 178.0907% | 478 |
| Efficiency ratio | 70.2242% | 2,087 |
| Assets per employee ($millions) | 6.4780% | 1,282 |
| Cash dividends to net income (ytd only)* | 4.0883% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2753% | 2,091 |
| Loan loss allowance to noncurrent loans | 416.0925% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.2956% | 3,365 |
| Noncurrent loans to loans | 0.3065% | 3,434 |
| Net loans and leases to total assets | 78.3518% | 1,088 |
| Net loans and leases to deposits | 95.0069% | 1,122 |
| Net loans and leases to core deposits | 103.6999% | 1,346 |
| Total domestic deposits to total assets | 82.4697% | 3,330 |
| Equity capital to assets | 11.0297% | 3,076 |
| Core capital (leverage) ratio | 10.9511% | 2,687 |
| Tier 1 risk-based capital ratio | 14.2379% | 3,202 |
| Total risk-based capital ratio | 15.4889% | 3,106 |
| Memoranda: | ||
| Average total assets | $883,949,750 | 888 |
| Average earning assets | $832,669,500 | 866 |
| Average equity | $97,504,750 | 918 |
| Average total loans | $714,536,750 | 798 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6086% | 2,651 |
| Cost of funding earning assets | 0.8527% | 2,383 |
| Net interest margin | 3.7559% | 2,733 |
| Noninterest income to average assets | 0.3115% | 3,845 |
| Noninterest expense to average assets | 2.7415% | 2,778 |
| Loan and lease loss provision to assets | 0.1369% | 1,352 |
| Net operating income to assets | 0.7269% | 3,908 |
| Return on assets (ROA) | 0.7269% | 3,969 |
| Pretax return on assets | 0.9718% | 3,638 |
| Return on Equity (ROE) | 6.5899% | 3,847 |
| Retained earnings to average equity (ytd only) | 6.5899% | 2,011 |
| Net charge-offs to loans | 0.0121% | 2,702 |
| Credit loss provision to net charge-offs | 1,395.3488% | 259 |
| Earnings coverage of net charge-offs (x) | 112.9767% | 634 |
| Efficiency ratio | 70.6402% | 2,128 |
| Assets per employee ($millions) | 6.1664% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 2,345 |
| Loan loss allowance to noncurrent loans | 290.1146% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.3948% | 2,922 |
| Noncurrent loans to loans | 0.4250% | 3,006 |
| Net loans and leases to total assets | 79.3986% | 985 |
| Net loans and leases to deposits | 96.6562% | 967 |
| Net loans and leases to core deposits | 104.9967% | 1,304 |
| Total domestic deposits to total assets | 82.1454% | 3,473 |
| Equity capital to assets | 11.0102% | 3,043 |
| Core capital (leverage) ratio | 11.1642% | 2,445 |
| Tier 1 risk-based capital ratio | 14.1162% | 3,254 |
| Total risk-based capital ratio | 15.3668% | 3,176 |
| Memoranda: | ||
| Average total assets | $876,295,330 | 895 |
| Average earning assets | $825,629,000 | 869 |
| Average equity | $96,663,000 | 922 |
| Average total loans | $712,795,000 | 793 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6364% | 2,424 |
| Cost of funding earning assets | 0.8276% | 2,382 |
| Net interest margin | 3.8088% | 2,493 |
| Noninterest income to average assets | 0.3016% | 3,868 |
| Noninterest expense to average assets | 2.6844% | 2,953 |
| Loan and lease loss provision to assets | 0.1453% | 1,171 |
| Net operating income to assets | 0.8001% | 3,620 |
| Return on assets (ROA) | 0.8001% | 3,664 |
| Pretax return on assets | 1.0653% | 3,254 |
| Return on Equity (ROE) | 7.2464% | 3,572 |
| Retained earnings to average equity (ytd only) | 7.2464% | 1,951 |
| Net charge-offs to loans | -0.0124% | 4,312 |
| Credit loss provision to net charge-offs | -1,431.8182% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3637% | 2,590 |
| Assets per employee ($millions) | 6.0863% | 1,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 2,458 |
| Loan loss allowance to noncurrent loans | 198.5527% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.5037% | 2,609 |
| Noncurrent loans to loans | 0.6163% | 2,482 |
| Net loans and leases to total assets | 80.7317% | 753 |
| Net loans and leases to deposits | 99.8427% | 649 |
| Net loans and leases to core deposits | 108.8826% | 995 |
| Total domestic deposits to total assets | 80.8588% | 3,997 |
| Equity capital to assets | 11.1945% | 2,660 |
| Core capital (leverage) ratio | 11.0787% | 2,500 |
| Tier 1 risk-based capital ratio | 14.1487% | 3,274 |
| Total risk-based capital ratio | 15.3991% | 3,193 |
| Memoranda: | ||
| Average total assets | $867,379,000 | 903 |
| Average earning assets | $818,310,500 | 877 |
| Average equity | $95,772,000 | 922 |
| Average total loans | $709,798,500 | 799 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4097% | 2,727 |
| Cost of funding earning assets | 0.6218% | 2,575 |
| Net interest margin | 3.7879% | 2,702 |
| Noninterest income to average assets | 0.3630% | 3,665 |
| Noninterest expense to average assets | 2.7003% | 3,023 |
| Loan and lease loss provision to assets | 0.1285% | 1,712 |
| Net operating income to assets | 0.8218% | 3,723 |
| Return on assets (ROA) | 0.8218% | 3,723 |
| Pretax return on assets | 1.0960% | 3,289 |
| Return on Equity (ROE) | 7.6046% | 3,614 |
| Retained earnings to average equity (ytd only) | 7.4678% | 1,469 |
| Net charge-offs to loans | 0.0112% | 3,303 |
| Credit loss provision to net charge-offs | 1,392.3077% | 305 |
| Earnings coverage of net charge-offs (x) | 132.7051% | 610 |
| Efficiency ratio | 68.1214% | 2,519 |
| Assets per employee ($millions) | 6.1738% | 1,403 |
| Cash dividends to net income (ytd only)* | 1.7993% | 3,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 2,746 |
| Loan loss allowance to noncurrent loans | 185.9413% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.5131% | 2,542 |
| Noncurrent loans to loans | 0.6263% | 2,415 |
| Net loans and leases to total assets | 80.9785% | 805 |
| Net loans and leases to deposits | 101.6170% | 619 |
| Net loans and leases to core deposits | 110.4414% | 974 |
| Total domestic deposits to total assets | 79.6900% | 4,173 |
| Equity capital to assets | 10.8896% | 2,803 |
| Core capital (leverage) ratio | 10.9855% | 2,539 |
| Tier 1 risk-based capital ratio | 13.7098% | 3,438 |
| Total risk-based capital ratio | 14.9352% | 3,368 |
| Memoranda: | ||
| Average total assets | $845,374,000 | 902 |
| Average earning assets | $794,901,000 | 884 |
| Average equity | $91,352,400 | 922 |
| Average total loans | $694,940,400 | 791 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3963% | 2,635 |
| Cost of funding earning assets | 0.5842% | 2,592 |
| Net interest margin | 3.8122% | 2,601 |
| Noninterest income to average assets | 0.3683% | 3,664 |
| Noninterest expense to average assets | 2.7070% | 2,960 |
| Loan and lease loss provision to assets | 0.1297% | 1,554 |
| Net operating income to assets | 0.8477% | 3,751 |
| Return on assets (ROA) | 0.8477% | 3,757 |
| Pretax return on assets | 1.1142% | 3,340 |
| Return on Equity (ROE) | 7.8606% | 3,603 |
| Retained earnings to average equity (ytd only) | 7.6764% | 1,809 |
| Net charge-offs to loans | 0.0054% | 3,241 |
| Credit loss provision to net charge-offs | 2,914.2857% | 144 |
| Earnings coverage of net charge-offs (x) | 279.5893% | 328 |
| Efficiency ratio | 67.8049% | 2,572 |
| Assets per employee ($millions) | 6.1986% | 1,351 |
| Cash dividends to net income (ytd only)* | 2.3430% | 3,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 2,865 |
| Loan loss allowance to noncurrent loans | 376.0930% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.2671% | 3,615 |
| Noncurrent loans to loans | 0.3076% | 3,571 |
| Net loans and leases to total assets | 80.7704% | 906 |
| Net loans and leases to deposits | 99.9566% | 786 |
| Net loans and leases to core deposits | 107.7068% | 1,191 |
| Total domestic deposits to total assets | 80.8054% | 3,914 |
| Equity capital to assets | 10.8674% | 2,786 |
| Core capital (leverage) ratio | 10.8584% | 2,722 |
| Tier 1 risk-based capital ratio | 13.7994% | 3,463 |
| Total risk-based capital ratio | 15.0225% | 3,393 |
| Memoranda: | ||
| Average total assets | $839,091,000 | 902 |
| Average earning assets | $788,544,000 | 887 |
| Average equity | $90,491,750 | 926 |
| Average total loans | $690,368,250 | 798 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3578% | 2,553 |
| Cost of funding earning assets | 0.5558% | 2,562 |
| Net interest margin | 3.8020% | 2,559 |
| Noninterest income to average assets | 0.3750% | 3,648 |
| Noninterest expense to average assets | 2.7210% | 2,938 |
| Loan and lease loss provision to assets | 0.1310% | 1,515 |
| Net operating income to assets | 0.8406% | 3,718 |
| Return on assets (ROA) | 0.8406% | 3,716 |
| Pretax return on assets | 1.0988% | 3,321 |
| Return on Equity (ROE) | 7.8154% | 3,583 |
| Retained earnings to average equity (ytd only) | 7.8154% | 1,698 |
| Net charge-offs to loans | -0.0044% | 4,069 |
| Credit loss provision to net charge-offs | -3,640.0000% | 4,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1382% | 2,619 |
| Assets per employee ($millions) | 6.1035% | 1,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1368% | 3,056 |
| Loan loss allowance to noncurrent loans | 344.6930% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.2687% | 3,691 |
| Noncurrent loans to loans | 0.3298% | 3,519 |
| Net loans and leases to total assets | 80.5635% | 937 |
| Net loans and leases to deposits | 99.6392% | 827 |
| Net loans and leases to core deposits | 106.9886% | 1,182 |
| Total domestic deposits to total assets | 80.8552% | 4,039 |
| Equity capital to assets | 10.7730% | 2,863 |
| Core capital (leverage) ratio | 10.7476% | 2,759 |
| Tier 1 risk-based capital ratio | 13.7460% | 3,483 |
| Total risk-based capital ratio | 14.9537% | 3,412 |
| Memoranda: | ||
| Average total assets | $833,653,330 | 908 |
| Average earning assets | $784,062,330 | 895 |
| Average equity | $89,669,000 | 930 |
| Average total loans | $687,491,330 | 802 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1939% | 2,902 |
| Cost of funding earning assets | 0.5278% | 2,559 |
| Net interest margin | 3.6661% | 2,934 |
| Noninterest income to average assets | 0.3287% | 3,954 |
| Noninterest expense to average assets | 2.7298% | 2,942 |
| Loan and lease loss provision to assets | 0.1307% | 1,447 |
| Net operating income to assets | 0.7000% | 4,100 |
| Return on assets (ROA) | 0.7000% | 4,105 |
| Pretax return on assets | 0.9149% | 3,798 |
| Return on Equity (ROE) | 6.5131% | 3,975 |
| Retained earnings to average equity (ytd only) | 6.5131% | 2,492 |
| Net charge-offs to loans | -0.0047% | 3,984 |
| Credit loss provision to net charge-offs | -3,375.0000% | 4,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5348% | 2,260 |
| Assets per employee ($millions) | 5.8695% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 3,413 |
| Loan loss allowance to noncurrent loans | 392.7424% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.2314% | 3,944 |
| Noncurrent loans to loans | 0.2789% | 3,772 |
| Net loans and leases to total assets | 82.0661% | 658 |
| Net loans and leases to deposits | 102.9156% | 542 |
| Net loans and leases to core deposits | 110.2916% | 987 |
| Total domestic deposits to total assets | 79.7412% | 4,454 |
| Equity capital to assets | 10.7263% | 2,847 |
| Core capital (leverage) ratio | 10.7501% | 2,688 |
| Tier 1 risk-based capital ratio | 13.4679% | 3,673 |
| Total risk-based capital ratio | 14.6264% | 3,648 |
| Memoranda: | ||
| Average total assets | $826,289,000 | 928 |
| Average earning assets | $776,849,500 | 908 |
| Average equity | $88,805,500 | 945 |
| Average total loans | $685,564,500 | 801 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0551% | 3,225 |
| Cost of funding earning assets | 0.4718% | 2,589 |
| Net interest margin | 3.5832% | 3,230 |
| Noninterest income to average assets | 0.3657% | 3,852 |
| Noninterest expense to average assets | 2.7168% | 3,074 |
| Loan and lease loss provision to assets | 0.1369% | 1,673 |
| Net operating income to assets | 0.4507% | 4,532 |
| Return on assets (ROA) | 0.4507% | 4,562 |
| Pretax return on assets | 0.8565% | 4,063 |
| Return on Equity (ROE) | 4.1974% | 4,443 |
| Retained earnings to average equity (ytd only) | 4.0532% | 2,748 |
| Net charge-offs to loans | 0.0112% | 3,697 |
| Credit loss provision to net charge-offs | 1,513.6986% | 259 |
| Earnings coverage of net charge-offs (x) | 109.8493% | 608 |
| Efficiency ratio | 72.2729% | 2,181 |
| Assets per employee ($millions) | 5.6882% | 1,759 |
| Cash dividends to net income (ytd only)* | 3.4360% | 4,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 3,486 |
| Loan loss allowance to noncurrent loans | 201.6579% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.4418% | 3,101 |
| Noncurrent loans to loans | 0.5326% | 2,904 |
| Net loans and leases to total assets | 82.0720% | 675 |
| Net loans and leases to deposits | 102.9372% | 550 |
| Net loans and leases to core deposits | 109.4156% | 1,040 |
| Total domestic deposits to total assets | 79.7302% | 4,387 |
| Equity capital to assets | 10.7691% | 2,875 |
| Core capital (leverage) ratio | 10.7317% | 2,608 |
| Tier 1 risk-based capital ratio | 13.3934% | 3,693 |
| Total risk-based capital ratio | 14.5202% | 3,680 |
| Memoranda: | ||
| Average total assets | $807,200,800 | 926 |
| Average earning assets | $753,422,600 | 913 |
| Average equity | $86,672,000 | 941 |
| Average total loans | $653,420,000 | 803 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0308% | 3,244 |
| Cost of funding earning assets | 0.4659% | 2,564 |
| Net interest margin | 3.5650% | 3,276 |
| Noninterest income to average assets | 0.3729% | 3,860 |
| Noninterest expense to average assets | 2.7469% | 2,906 |
| Loan and lease loss provision to assets | 0.1285% | 1,684 |
| Net operating income to assets | 0.5549% | 4,556 |
| Return on assets (ROA) | 0.5549% | 4,594 |
| Pretax return on assets | 0.8201% | 4,299 |
| Return on Equity (ROE) | 5.1717% | 4,462 |
| Retained earnings to average equity (ytd only) | 4.9786% | 2,899 |
| Net charge-offs to loans | -0.0074% | 4,554 |
| Credit loss provision to net charge-offs | -2,152.7778% | 5,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3256% | 1,996 |
| Assets per employee ($millions) | 5.6997% | 1,718 |
| Cash dividends to net income (ytd only)* | 3.7346% | 3,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0682% | 3,678 |
| Loan loss allowance to noncurrent loans | 191.1669% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.4542% | 3,215 |
| Noncurrent loans to loans | 0.5588% | 3,022 |
| Net loans and leases to total assets | 80.4172% | 923 |
| Net loans and leases to deposits | 99.6987% | 763 |
| Net loans and leases to core deposits | 105.7424% | 1,292 |
| Total domestic deposits to total assets | 80.6603% | 4,152 |
| Equity capital to assets | 10.7949% | 3,066 |
| Core capital (leverage) ratio | 10.6699% | 2,800 |
| Tier 1 risk-based capital ratio | 13.5990% | 3,639 |
| Total risk-based capital ratio | 14.7138% | 3,643 |
| Memoranda: | ||
| Average total assets | $804,224,750 | 934 |
| Average earning assets | $749,573,250 | 922 |
| Average equity | $86,287,500 | 946 |
| Average total loans | $646,886,500 | 815 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9742% | 3,305 |
| Cost of funding earning assets | 0.4571% | 2,534 |
| Net interest margin | 3.5171% | 3,334 |
| Noninterest income to average assets | 0.3675% | 3,928 |
| Noninterest expense to average assets | 2.7479% | 2,934 |
| Loan and lease loss provision to assets | 0.1272% | 1,633 |
| Net operating income to assets | 0.5286% | 4,619 |
| Return on assets (ROA) | 0.5286% | 4,649 |
| Pretax return on assets | 0.7697% | 4,374 |
| Return on Equity (ROE) | 4.9369% | 4,499 |
| Retained earnings to average equity (ytd only) | 4.9369% | 2,750 |
| Net charge-offs to loans | -0.0103% | 4,546 |
| Credit loss provision to net charge-offs | -1,542.4242% | 4,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3454% | 1,952 |
| Assets per employee ($millions) | 5.6859% | 1,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0460% | 3,871 |
| Loan loss allowance to noncurrent loans | 194.5699% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.4273% | 3,402 |
| Noncurrent loans to loans | 0.5376% | 3,144 |
| Net loans and leases to total assets | 78.6599% | 1,144 |
| Net loans and leases to deposits | 97.4099% | 945 |
| Net loans and leases to core deposits | 103.1270% | 1,430 |
| Total domestic deposits to total assets | 80.7515% | 4,248 |
| Equity capital to assets | 10.6084% | 3,217 |
| Core capital (leverage) ratio | 10.7093% | 2,694 |
| Tier 1 risk-based capital ratio | 13.6985% | 3,587 |
| Total risk-based capital ratio | 14.7937% | 3,590 |
| Memoranda: | ||
| Average total assets | $800,615,000 | 945 |
| Average earning assets | $746,015,330 | 935 |
| Average equity | $85,722,000 | 956 |
| Average total loans | $641,675,000 | 822 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9571% | 3,182 |
| Cost of funding earning assets | 0.4628% | 2,401 |
| Net interest margin | 3.4943% | 3,291 |
| Noninterest income to average assets | 0.3179% | 4,281 |
| Noninterest expense to average assets | 2.7860% | 2,840 |
| Loan and lease loss provision to assets | 0.1188% | 1,610 |
| Net operating income to assets | 0.4563% | 4,754 |
| Return on assets (ROA) | 0.4563% | 4,775 |
| Pretax return on assets | 0.6716% | 4,527 |
| Return on Equity (ROE) | 4.2418% | 4,689 |
| Retained earnings to average equity (ytd only) | 4.2418% | 3,322 |
| Net charge-offs to loans | 0.0013% | 2,920 |
| Credit loss provision to net charge-offs | 11,750.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 782.0000% | 61 |
| Efficiency ratio | 76.8263% | 1,779 |
| Assets per employee ($millions) | 5.5528% | 1,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0170% | 4,181 |
| Loan loss allowance to noncurrent loans | 190.4190% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.4298% | 3,468 |
| Noncurrent loans to loans | 0.5341% | 3,208 |
| Net loans and leases to total assets | 79.6605% | 878 |
| Net loans and leases to deposits | 99.1311% | 675 |
| Net loans and leases to core deposits | 105.2605% | 1,150 |
| Total domestic deposits to total assets | 80.3587% | 4,550 |
| Equity capital to assets | 10.7820% | 2,876 |
| Core capital (leverage) ratio | 10.6706% | 2,720 |
| Tier 1 risk-based capital ratio | 13.7261% | 3,651 |
| Total risk-based capital ratio | 14.7897% | 3,661 |
| Memoranda: | ||
| Average total assets | $791,535,000 | 953 |
| Average earning assets | $738,115,000 | 943 |
| Average equity | $85,153,500 | 955 |
| Average total loans | $637,084,500 | 827 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9858% | 3,243 |
| Cost of funding earning assets | 0.4907% | 2,158 |
| Net interest margin | 3.4951% | 3,450 |
| Noninterest income to average assets | 0.3696% | 4,102 |
| Noninterest expense to average assets | 2.8626% | 2,804 |
| Loan and lease loss provision to assets | 0.1150% | 2,147 |
| Net operating income to assets | 0.4403% | 4,827 |
| Return on assets (ROA) | 0.4403% | 4,910 |
| Pretax return on assets | 0.6413% | 4,674 |
| Return on Equity (ROE) | 4.0710% | 4,810 |
| Retained earnings to average equity (ytd only) | 3.9209% | 3,137 |
| Net charge-offs to loans | 0.0376% | 3,277 |
| Credit loss provision to net charge-offs | 391.5929% | 806 |
| Earnings coverage of net charge-offs (x) | 25.7566% | 1,575 |
| Efficiency ratio | 77.8101% | 1,719 |
| Assets per employee ($millions) | 5.4416% | 1,915 |
| Cash dividends to net income (ytd only)* | 3.6884% | 4,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9866% | 4,406 |
| Loan loss allowance to noncurrent loans | 184.7288% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.4299% | 3,549 |
| Noncurrent loans to loans | 0.5341% | 3,251 |
| Net loans and leases to total assets | 79.7014% | 932 |
| Net loans and leases to deposits | 99.9142% | 676 |
| Net loans and leases to core deposits | 106.2078% | 1,117 |
| Total domestic deposits to total assets | 79.7698% | 4,613 |
| Equity capital to assets | 10.7339% | 2,884 |
| Core capital (leverage) ratio | 10.5723% | 2,807 |
| Tier 1 risk-based capital ratio | 13.6314% | 3,689 |
| Total risk-based capital ratio | 14.6586% | 3,727 |
| Memoranda: | ||
| Average total assets | $769,722,400 | 937 |
| Average earning assets | $715,571,400 | 929 |
| Average equity | $83,247,000 | 959 |
| Average total loans | $601,851,000 | 830 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9559% | 3,392 |
| Cost of funding earning assets | 0.4871% | 2,201 |
| Net interest margin | 3.4688% | 3,593 |
| Noninterest income to average assets | 0.3741% | 4,103 |
| Noninterest expense to average assets | 2.8838% | 2,690 |
| Loan and lease loss provision to assets | 0.0936% | 2,355 |
| Net operating income to assets | 0.4264% | 4,944 |
| Return on assets (ROA) | 0.4264% | 5,026 |
| Pretax return on assets | 0.6192% | 4,829 |
| Return on Equity (ROE) | 3.9346% | 4,925 |
| Retained earnings to average equity (ytd only) | 3.7336% | 3,651 |
| Net charge-offs to loans | 0.0013% | 3,903 |
| Credit loss provision to net charge-offs | 8,950.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 681.4825% | 137 |
| Efficiency ratio | 78.8106% | 1,577 |
| Assets per employee ($millions) | 5.6354% | 1,727 |
| Cash dividends to net income (ytd only)* | 5.1103% | 3,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9882% | 4,478 |
| Loan loss allowance to noncurrent loans | 156.9018% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.4958% | 3,463 |
| Noncurrent loans to loans | 0.6298% | 3,126 |
| Net loans and leases to total assets | 77.9516% | 1,208 |
| Net loans and leases to deposits | 97.2711% | 925 |
| Net loans and leases to core deposits | 103.2154% | 1,400 |
| Total domestic deposits to total assets | 80.1386% | 4,481 |
| Equity capital to assets | 10.6565% | 3,400 |
| Core capital (leverage) ratio | 10.5670% | 2,911 |
| Tier 1 risk-based capital ratio | 13.6160% | 3,790 |
| Total risk-based capital ratio | 14.6339% | 3,840 |
| Memoranda: | ||
| Average total assets | $764,896,750 | 943 |
| Average earning assets | $710,585,750 | 939 |
| Average equity | $82,885,500 | 967 |
| Average total loans | $593,531,250 | 841 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9384% | 3,473 |
| Cost of funding earning assets | 0.4791% | 2,275 |
| Net interest margin | 3.4592% | 3,645 |
| Noninterest income to average assets | 0.3647% | 4,151 |
| Noninterest expense to average assets | 2.8940% | 2,697 |
| Loan and lease loss provision to assets | 0.0732% | 2,676 |
| Net operating income to assets | 0.4241% | 4,961 |
| Return on assets (ROA) | 0.4241% | 5,047 |
| Pretax return on assets | 0.6120% | 4,852 |
| Return on Equity (ROE) | 3.8914% | 4,949 |
| Retained earnings to average equity (ytd only) | 3.5884% | 3,606 |
| Net charge-offs to loans | 0.0014% | 3,661 |
| Credit loss provision to net charge-offs | 6,925.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 648.2500% | 92 |
| Efficiency ratio | 79.4389% | 1,571 |
| Assets per employee ($millions) | 5.3844% | 1,900 |
| Cash dividends to net income (ytd only)* | 7.7882% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9773% | 4,630 |
| Loan loss allowance to noncurrent loans | 187.2015% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.4079% | 3,863 |
| Noncurrent loans to loans | 0.5220% | 3,521 |
| Net loans and leases to total assets | 77.3802% | 1,276 |
| Net loans and leases to deposits | 96.2419% | 1,057 |
| Net loans and leases to core deposits | 102.2690% | 1,450 |
| Total domestic deposits to total assets | 80.4018% | 4,452 |
| Equity capital to assets | 10.8175% | 3,266 |
| Core capital (leverage) ratio | 10.7308% | 2,715 |
| Tier 1 risk-based capital ratio | 13.8433% | 3,699 |
| Total risk-based capital ratio | 14.8456% | 3,762 |
| Memoranda: | ||
| Average total assets | $756,875,330 | 951 |
| Average earning assets | $703,337,670 | 948 |
| Average equity | $82,488,670 | 968 |
| Average total loans | $584,326,330 | 851 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9565% | 3,379 |
| Cost of funding earning assets | 0.4723% | 2,352 |
| Net interest margin | 3.4843% | 3,539 |
| Noninterest income to average assets | 0.3572% | 4,170 |
| Noninterest expense to average assets | 2.9203% | 2,635 |
| Loan and lease loss provision to assets | 0.0677% | 2,606 |
| Net operating income to assets | 0.4270% | 4,915 |
| Return on assets (ROA) | 0.4270% | 4,991 |
| Pretax return on assets | 0.6099% | 4,792 |
| Return on Equity (ROE) | 3.9032% | 4,921 |
| Retained earnings to average equity (ytd only) | 3.9032% | 3,542 |
| Net charge-offs to loans | 0.0007% | 3,084 |
| Credit loss provision to net charge-offs | 12,700.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 1,271.0000% | 29 |
| Efficiency ratio | 79.7451% | 1,641 |
| Assets per employee ($millions) | 5.2044% | 2,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9890% | 4,670 |
| Loan loss allowance to noncurrent loans | 241.1864% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.3150% | 4,309 |
| Noncurrent loans to loans | 0.4101% | 3,963 |
| Net loans and leases to total assets | 76.0536% | 1,383 |
| Net loans and leases to deposits | 94.1981% | 1,129 |
| Net loans and leases to core deposits | 99.9304% | 1,489 |
| Total domestic deposits to total assets | 80.7379% | 4,570 |
| Equity capital to assets | 10.9384% | 3,007 |
| Core capital (leverage) ratio | 10.8867% | 2,527 |
| Tier 1 risk-based capital ratio | 14.2640% | 3,522 |
| Total risk-based capital ratio | 15.2802% | 3,602 |
| Memoranda: | ||
| Average total assets | $750,329,000 | 957 |
| Average earning assets | $697,882,500 | 947 |
| Average equity | $82,087,500 | 971 |
| Average total loans | $575,648,000 | 854 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9430% | 3,555 |
| Cost of funding earning assets | 0.5076% | 2,094 |
| Net interest margin | 3.4354% | 3,778 |
| Noninterest income to average assets | 0.4002% | 4,034 |
| Noninterest expense to average assets | 2.9767% | 2,623 |
| Loan and lease loss provision to assets | 0.0280% | 3,812 |
| Net operating income to assets | 0.3967% | 5,063 |
| Return on assets (ROA) | 0.4004% | 5,130 |
| Pretax return on assets | 0.5784% | 4,908 |
| Return on Equity (ROE) | 3.6134% | 5,100 |
| Retained earnings to average equity (ytd only) | 3.6134% | 3,487 |
| Net charge-offs to loans | 0.0010% | 4,444 |
| Credit loss provision to net charge-offs | 3,840.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 823.8000% | 76 |
| Efficiency ratio | 81.6383% | 1,454 |
| Assets per employee ($millions) | 5.1449% | 2,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 4,712 |
| Loan loss allowance to noncurrent loans | 215.8199% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.3483% | 4,194 |
| Noncurrent loans to loans | 0.4545% | 3,842 |
| Net loans and leases to total assets | 75.8729% | 1,441 |
| Net loans and leases to deposits | 94.4355% | 1,162 |
| Net loans and leases to core deposits | 99.6874% | 1,527 |
| Total domestic deposits to total assets | 80.3436% | 4,654 |
| Equity capital to assets | 10.9420% | 2,880 |
| Core capital (leverage) ratio | 11.1882% | 2,227 |
| Tier 1 risk-based capital ratio | 14.3695% | 3,509 |
| Total risk-based capital ratio | 15.3774% | 3,561 |
| Memoranda: | ||
| Average total assets | $685,112,000 | 1,005 |
| Average earning assets | $633,730,200 | 1,003 |
| Average equity | $75,911,200 | 1,005 |
| Average total loans | $521,430,800 | 896 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9671% | 3,475 |
| Cost of funding earning assets | 0.5166% | 2,070 |
| Net interest margin | 3.4505% | 3,750 |
| Noninterest income to average assets | 0.3919% | 4,140 |
| Noninterest expense to average assets | 3.0247% | 2,448 |
| Loan and lease loss provision to assets | 0.0185% | 3,905 |
| Net operating income to assets | 0.3751% | 5,246 |
| Return on assets (ROA) | 0.3800% | 5,314 |
| Pretax return on assets | 0.5424% | 5,120 |
| Return on Equity (ROE) | 3.4173% | 5,246 |
| Retained earnings to average equity (ytd only) | 3.4173% | 4,041 |
| Net charge-offs to loans | -0.0003% | 4,646 |
| Credit loss provision to net charge-offs | -9,300.0000% | 5,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8977% | 1,279 |
| Assets per employee ($millions) | 5.2353% | 2,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0701% | 4,390 |
| Loan loss allowance to noncurrent loans | 262.8217% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.3155% | 4,503 |
| Noncurrent loans to loans | 0.4072% | 4,151 |
| Net loans and leases to total assets | 76.6702% | 1,293 |
| Net loans and leases to deposits | 96.4630% | 961 |
| Net loans and leases to core deposits | 101.3087% | 1,425 |
| Total domestic deposits to total assets | 79.4815% | 4,866 |
| Equity capital to assets | 11.3509% | 2,645 |
| Core capital (leverage) ratio | 11.1344% | 2,366 |
| Tier 1 risk-based capital ratio | 14.4897% | 3,582 |
| Total risk-based capital ratio | 15.5673% | 3,588 |
| Memoranda: | ||
| Average total assets | $669,886,250 | 1,031 |
| Average earning assets | $618,669,500 | 1,023 |
| Average equity | $74,481,750 | 1,032 |
| Average total loans | $508,881,000 | 918 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9623% | 3,437 |
| Cost of funding earning assets | 0.5160% | 2,102 |
| Net interest margin | 3.4463% | 3,731 |
| Noninterest income to average assets | 0.3791% | 4,238 |
| Noninterest expense to average assets | 3.0321% | 2,459 |
| Loan and lease loss provision to assets | 0.0268% | 3,602 |
| Net operating income to assets | 0.3517% | 5,294 |
| Return on assets (ROA) | 0.3517% | 5,402 |
| Pretax return on assets | 0.5027% | 5,219 |
| Return on Equity (ROE) | 3.1853% | 5,348 |
| Retained earnings to average equity (ytd only) | 3.1853% | 4,023 |
| Net charge-offs to loans | 0.0067% | 3,663 |
| Credit loss provision to net charge-offs | 529.4118% | 602 |
| Earnings coverage of net charge-offs (x) | 104.5882% | 583 |
| Efficiency ratio | 83.4602% | 1,319 |
| Assets per employee ($millions) | 5.1973% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0791% | 4,445 |
| Loan loss allowance to noncurrent loans | 333.1110% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.2441% | 4,898 |
| Noncurrent loans to loans | 0.3239% | 4,537 |
| Net loans and leases to total assets | 74.5284% | 1,580 |
| Net loans and leases to deposits | 93.4710% | 1,204 |
| Net loans and leases to core deposits | 98.2036% | 1,638 |
| Total domestic deposits to total assets | 79.7342% | 4,918 |
| Equity capital to assets | 11.0534% | 2,833 |
| Core capital (leverage) ratio | 10.9037% | 2,517 |
| Tier 1 risk-based capital ratio | 14.5928% | 3,583 |
| Total risk-based capital ratio | 15.6851% | 3,598 |
| Memoranda: | ||
| Average total assets | $671,552,000 | 1,037 |
| Average earning assets | $620,149,670 | 1,026 |
| Average equity | $74,152,000 | 1,041 |
| Average total loans | $506,746,000 | 922 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9584% | 3,386 |
| Cost of funding earning assets | 0.5181% | 2,128 |
| Net interest margin | 3.4403% | 3,669 |
| Noninterest income to average assets | 0.3913% | 4,076 |
| Noninterest expense to average assets | 3.0590% | 2,403 |
| Loan and lease loss provision to assets | 0.0179% | 3,488 |
| Net operating income to assets | 0.3477% | 5,252 |
| Return on assets (ROA) | 0.3477% | 5,372 |
| Pretax return on assets | 0.4965% | 5,187 |
| Return on Equity (ROE) | 3.1508% | 5,313 |
| Retained earnings to average equity (ytd only) | 3.1508% | 4,092 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9325% | 1,391 |
| Assets per employee ($millions) | 5.1959% | 2,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0820% | 4,610 |
| Loan loss allowance to noncurrent loans | 271.1443% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.2999% | 4,772 |
| Noncurrent loans to loans | 0.3990% | 4,392 |
| Net loans and leases to total assets | 74.3374% | 1,450 |
| Net loans and leases to deposits | 93.7005% | 1,014 |
| Net loans and leases to core deposits | 98.1869% | 1,457 |
| Total domestic deposits to total assets | 79.3351% | 5,203 |
| Equity capital to assets | 11.0707% | 2,896 |
| Core capital (leverage) ratio | 10.9511% | 2,459 |
| Tier 1 risk-based capital ratio | 14.5536% | 3,695 |
| Total risk-based capital ratio | 15.6388% | 3,703 |
| Memoranda: | ||
| Average total assets | $669,504,500 | 1,042 |
| Average earning assets | $619,241,500 | 1,032 |
| Average equity | $73,887,000 | 1,047 |
| Average total loans | $505,598,000 | 926 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0005% | 3,727 |
| Cost of funding earning assets | 0.5998% | 1,761 |
| Net interest margin | 3.4007% | 4,197 |
| Noninterest income to average assets | 0.3622% | 4,502 |
| Noninterest expense to average assets | 3.0972% | 2,525 |
| Loan and lease loss provision to assets | 0.0337% | 3,918 |
| Net operating income to assets | 0.2710% | 5,595 |
| Return on assets (ROA) | 0.2757% | 5,653 |
| Pretax return on assets | 0.4056% | 5,470 |
| Return on Equity (ROE) | 2.5399% | 5,624 |
| Retained earnings to average equity (ytd only) | 2.3498% | 4,553 |
| Net charge-offs to loans | 0.0257% | 4,311 |
| Credit loss provision to net charge-offs | 169.3694% | 1,441 |
| Earnings coverage of net charge-offs (x) | 21.7117% | 1,662 |
| Efficiency ratio | 87.0756% | 1,067 |
| Assets per employee ($millions) | 5.0281% | 2,284 |
| Cash dividends to net income (ytd only)* | 7.4821% | 4,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 4,709 |
| Loan loss allowance to noncurrent loans | 285.7143% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.2837% | 4,902 |
| Noncurrent loans to loans | 0.3738% | 4,524 |
| Net loans and leases to total assets | 75.0763% | 1,408 |
| Net loans and leases to deposits | 95.3456% | 955 |
| Net loans and leases to core deposits | 100.1616% | 1,385 |
| Total domestic deposits to total assets | 78.7413% | 5,299 |
| Equity capital to assets | 11.0013% | 2,897 |
| Core capital (leverage) ratio | 10.4847% | 2,963 |
| Tier 1 risk-based capital ratio | 14.2956% | 3,902 |
| Total risk-based capital ratio | 15.3798% | 3,936 |
| Memoranda: | ||
| Average total assets | $557,472,800 | 1,197 |
| Average earning assets | $519,213,200 | 1,178 |
| Average equity | $60,515,200 | 1,208 |
| Average total loans | $431,815,000 | 1,018 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8740% | 4,261 |
| Cost of funding earning assets | 0.6087% | 1,759 |
| Net interest margin | 3.2654% | 4,740 |
| Noninterest income to average assets | 0.3174% | 4,899 |
| Noninterest expense to average assets | 2.8184% | 3,391 |
| Loan and lease loss provision to assets | 0.0355% | 3,696 |
| Net operating income to assets | 0.3574% | 5,406 |
| Return on assets (ROA) | 0.3620% | 5,464 |
| Pretax return on assets | 0.5168% | 5,278 |
| Return on Equity (ROE) | 3.3489% | 5,405 |
| Retained earnings to average equity (ytd only) | 3.0811% | 4,425 |
| Net charge-offs to loans | 0.0388% | 3,724 |
| Credit loss provision to net charge-offs | 117.5000% | 1,946 |
| Earnings coverage of net charge-offs (x) | 18.0662% | 1,864 |
| Efficiency ratio | 83.5304% | 1,446 |
| Assets per employee ($millions) | 5.2712% | 1,933 |
| Cash dividends to net income (ytd only)* | 7.9972% | 3,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0405% | 5,032 |
| Loan loss allowance to noncurrent loans | 280.1044% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.2773% | 5,156 |
| Noncurrent loans to loans | 0.3715% | 4,796 |
| Net loans and leases to total assets | 73.8812% | 1,546 |
| Net loans and leases to deposits | 93.9152% | 1,051 |
| Net loans and leases to core deposits | 98.7941% | 1,465 |
| Total domestic deposits to total assets | 78.6680% | 5,401 |
| Equity capital to assets | 10.6315% | 3,395 |
| Core capital (leverage) ratio | 10.4103% | 3,147 |
| Tier 1 risk-based capital ratio | 13.9795% | 4,233 |
| Total risk-based capital ratio | 15.0363% | 4,294 |
| Memoranda: | ||
| Average total assets | $529,656,500 | 1,272 |
| Average earning assets | $494,186,500 | 1,254 |
| Average equity | $57,251,500 | 1,284 |
| Average total loans | $412,897,750 | 1,067 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1061% | 3,315 |
| Cost of funding earning assets | 0.6546% | 1,474 |
| Net interest margin | 3.4516% | 3,974 |
| Noninterest income to average assets | 0.3130% | 4,913 |
| Noninterest expense to average assets | 2.9750% | 2,920 |
| Loan and lease loss provision to assets | 0.0391% | 3,524 |
| Net operating income to assets | 0.3659% | 5,349 |
| Return on assets (ROA) | 0.3735% | 5,384 |
| Pretax return on assets | 0.5332% | 5,181 |
| Return on Equity (ROE) | 3.4282% | 5,371 |
| Retained earnings to average equity (ytd only) | 2.9847% | 4,300 |
| Net charge-offs to loans | 0.0718% | 2,986 |
| Credit loss provision to net charge-offs | 68.3824% | 2,498 |
| Earnings coverage of net charge-offs (x) | 9.8235% | 2,314 |
| Efficiency ratio | 84.1274% | 1,498 |
| Assets per employee ($millions) | 5.2664% | 1,902 |
| Cash dividends to net income (ytd only)* | 12.9359% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 3,548 |
| Loan loss allowance to noncurrent loans | 871.7105% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.1255% | 5,776 |
| Noncurrent loans to loans | 0.1558% | 5,546 |
| Net loans and leases to total assets | 79.4444% | 752 |
| Net loans and leases to deposits | 102.6353% | 414 |
| Net loans and leases to core deposits | 107.9182% | 772 |
| Total domestic deposits to total assets | 77.4046% | 5,737 |
| Equity capital to assets | 10.8040% | 3,085 |
| Core capital (leverage) ratio | 11.0175% | 2,412 |
| Tier 1 risk-based capital ratio | 13.7179% | 4,435 |
| Total risk-based capital ratio | 14.9696% | 4,382 |
| Memoranda: | ||
| Average total assets | $476,034,670 | 1,408 |
| Average earning assets | $444,553,000 | 1,389 |
| Average equity | $51,864,330 | 1,401 |
| Average total loans | $378,687,000 | 1,164 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0397% | 3,524 |
| Cost of funding earning assets | 0.6583% | 1,530 |
| Net interest margin | 3.3814% | 4,216 |
| Noninterest income to average assets | 0.3027% | 4,932 |
| Noninterest expense to average assets | 3.0284% | 2,775 |
| Loan and lease loss provision to assets | 0.0390% | 3,291 |
| Net operating income to assets | 0.2720% | 5,589 |
| Return on assets (ROA) | 0.2874% | 5,587 |
| Pretax return on assets | 0.4103% | 5,422 |
| Return on Equity (ROE) | 2.6267% | 5,579 |
| Retained earnings to average equity (ytd only) | 2.6267% | 4,501 |
| Net charge-offs to loans | -0.0172% | 5,280 |
| Credit loss provision to net charge-offs | -287.5000% | 5,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6349% | 1,268 |
| Assets per employee ($millions) | 5.2662% | 1,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 3,427 |
| Loan loss allowance to noncurrent loans | 716.8435% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.1591% | 5,766 |
| Noncurrent loans to loans | 0.2006% | 5,493 |
| Net loans and leases to total assets | 78.1500% | 760 |
| Net loans and leases to deposits | 99.6044% | 458 |
| Net loans and leases to core deposits | 105.0322% | 794 |
| Total domestic deposits to total assets | 78.4604% | 5,762 |
| Equity capital to assets | 10.9377% | 2,778 |
| Core capital (leverage) ratio | 10.9631% | 2,422 |
| Tier 1 risk-based capital ratio | 14.0749% | 4,279 |
| Total risk-based capital ratio | 15.3278% | 4,220 |
| Memoranda: | ||
| Average total assets | $471,799,000 | 1,426 |
| Average earning assets | $439,938,000 | 1,401 |
| Average equity | $51,623,500 | 1,401 |
| Average total loans | $372,924,000 | 1,184 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2197% | 3,271 |
| Cost of funding earning assets | 0.7142% | 1,715 |
| Net interest margin | 3.5055% | 3,877 |
| Noninterest income to average assets | 0.3716% | 4,657 |
| Noninterest expense to average assets | 2.9333% | 3,266 |
| Loan and lease loss provision to assets | 0.0225% | 4,677 |
| Net operating income to assets | 0.4773% | 4,826 |
| Return on assets (ROA) | 0.4902% | 4,915 |
| Pretax return on assets | 0.6951% | 4,560 |
| Return on Equity (ROE) | 4.4906% | 4,898 |
| Retained earnings to average equity (ytd only) | 4.4906% | 2,983 |
| Net charge-offs to loans | -0.0241% | 6,173 |
| Credit loss provision to net charge-offs | -119.5402% | 5,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7459% | 2,052 |
| Assets per employee ($millions) | 5.1609% | 1,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 3,449 |
| Loan loss allowance to noncurrent loans | 1,136.8085% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.1001% | 6,036 |
| Noncurrent loans to loans | 0.1270% | 5,822 |
| Net loans and leases to total assets | 77.6556% | 864 |
| Net loans and leases to deposits | 99.2978% | 513 |
| Net loans and leases to core deposits | 105.1802% | 840 |
| Total domestic deposits to total assets | 78.2047% | 5,796 |
| Equity capital to assets | 10.9460% | 2,664 |
| Core capital (leverage) ratio | 10.8959% | 2,480 |
| Tier 1 risk-based capital ratio | 14.1574% | 4,184 |
| Total risk-based capital ratio | 15.4103% | 4,130 |
| Memoranda: | ||
| Average total assets | $462,079,400 | 1,431 |
| Average earning assets | $429,869,400 | 1,421 |
| Average equity | $50,438,600 | 1,406 |
| Average total loans | $361,620,600 | 1,182 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2481% | 3,211 |
| Cost of funding earning assets | 0.7234% | 1,786 |
| Net interest margin | 3.5247% | 3,779 |
| Noninterest income to average assets | 0.3862% | 4,632 |
| Noninterest expense to average assets | 2.9364% | 3,182 |
| Loan and lease loss provision to assets | 0.0296% | 4,416 |
| Net operating income to assets | 0.4824% | 4,880 |
| Return on assets (ROA) | 0.4992% | 4,959 |
| Pretax return on assets | 0.7240% | 4,593 |
| Return on Equity (ROE) | 4.5766% | 4,945 |
| Retained earnings to average equity (ytd only) | 4.5766% | 3,417 |
| Net charge-offs to loans | -0.0363% | 6,212 |
| Credit loss provision to net charge-offs | -104.0816% | 5,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1059% | 2,079 |
| Assets per employee ($millions) | 5.1567% | 1,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4812% | 3,530 |
| Loan loss allowance to noncurrent loans | 615.1724% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.1834% | 5,890 |
| Noncurrent loans to loans | 0.2408% | 5,636 |
| Net loans and leases to total assets | 75.0361% | 1,131 |
| Net loans and leases to deposits | 94.7872% | 772 |
| Net loans and leases to core deposits | 100.1221% | 1,108 |
| Total domestic deposits to total assets | 79.1627% | 5,712 |
| Equity capital to assets | 10.7463% | 3,013 |
| Core capital (leverage) ratio | 10.8701% | 2,600 |
| Tier 1 risk-based capital ratio | 14.2421% | 4,261 |
| Total risk-based capital ratio | 15.4952% | 4,199 |
| Memoranda: | ||
| Average total assets | $460,188,500 | 1,440 |
| Average earning assets | $428,168,500 | 1,431 |
| Average equity | $50,196,500 | 1,424 |
| Average total loans | $359,514,000 | 1,193 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2806% | 3,036 |
| Cost of funding earning assets | 0.7396% | 1,774 |
| Net interest margin | 3.5410% | 3,602 |
| Noninterest income to average assets | 0.4115% | 4,432 |
| Noninterest expense to average assets | 2.9584% | 3,133 |
| Loan and lease loss provision to assets | 0.0448% | 4,069 |
| Net operating income to assets | 0.4862% | 4,857 |
| Return on assets (ROA) | 0.5120% | 4,918 |
| Pretax return on assets | 0.7355% | 4,554 |
| Return on Equity (ROE) | 4.6701% | 4,910 |
| Retained earnings to average equity (ytd only) | 4.6701% | 3,284 |
| Net charge-offs to loans | -0.0412% | 6,202 |
| Credit loss provision to net charge-offs | -137.8378% | 5,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9170% | 2,168 |
| Assets per employee ($millions) | 4.6840% | 2,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4533% | 3,796 |
| Loan loss allowance to noncurrent loans | 574.7573% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.2040% | 5,883 |
| Noncurrent loans to loans | 0.2528% | 5,677 |
| Net loans and leases to total assets | 79.5187% | 578 |
| Net loans and leases to deposits | 100.9009% | 380 |
| Net loans and leases to core deposits | 106.7862% | 701 |
| Total domestic deposits to total assets | 78.8086% | 5,831 |
| Equity capital to assets | 11.1020% | 2,658 |
| Core capital (leverage) ratio | 11.0395% | 2,318 |
| Tier 1 risk-based capital ratio | 13.8878% | 4,506 |
| Total risk-based capital ratio | 15.1408% | 4,470 |
| Memoranda: | ||
| Average total assets | $455,446,670 | 1,465 |
| Average earning assets | $423,214,670 | 1,448 |
| Average equity | $49,934,670 | 1,433 |
| Average total loans | $358,907,330 | 1,188 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2573% | 3,070 |
| Cost of funding earning assets | 0.7722% | 1,694 |
| Net interest margin | 3.4850% | 3,767 |
| Noninterest income to average assets | 0.4140% | 4,359 |
| Noninterest expense to average assets | 2.9755% | 3,070 |
| Loan and lease loss provision to assets | 0.0439% | 3,868 |
| Net operating income to assets | 0.4405% | 4,956 |
| Return on assets (ROA) | 0.4921% | 4,863 |
| Pretax return on assets | 0.7026% | 4,570 |
| Return on Equity (ROE) | 4.5168% | 4,836 |
| Retained earnings to average equity (ytd only) | 4.5168% | 3,525 |
| Net charge-offs to loans | -0.0113% | 5,489 |
| Credit loss provision to net charge-offs | -500.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5581% | 2,105 |
| Assets per employee ($millions) | 4.8711% | 2,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4683% | 3,937 |
| Loan loss allowance to noncurrent loans | 183.6505% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.6265% | 4,818 |
| Noncurrent loans to loans | 0.7995% | 4,522 |
| Net loans and leases to total assets | 77.2050% | 700 |
| Net loans and leases to deposits | 96.7162% | 505 |
| Net loans and leases to core deposits | 102.6401% | 795 |
| Total domestic deposits to total assets | 79.8264% | 5,790 |
| Equity capital to assets | 11.0248% | 2,935 |
| Core capital (leverage) ratio | 10.8339% | 2,421 |
| Tier 1 risk-based capital ratio | 14.0831% | 4,444 |
| Total risk-based capital ratio | 15.3360% | 4,400 |
| Memoranda: | ||
| Average total assets | $455,995,000 | 1,475 |
| Average earning assets | $423,179,500 | 1,460 |
| Average equity | $49,681,000 | 1,462 |
| Average total loans | $355,050,500 | 1,201 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5107% | 3,351 |
| Cost of funding earning assets | 0.9721% | 1,514 |
| Net interest margin | 3.5387% | 4,347 |
| Noninterest income to average assets | 0.4911% | 3,956 |
| Noninterest expense to average assets | 2.8960% | 3,655 |
| Loan and lease loss provision to assets | 0.0521% | 5,159 |
| Net operating income to assets | 0.5876% | 4,297 |
| Return on assets (ROA) | 0.6061% | 4,475 |
| Pretax return on assets | 0.8660% | 4,045 |
| Return on Equity (ROE) | 5.8358% | 4,250 |
| Retained earnings to average equity (ytd only) | 5.8358% | 2,168 |
| Net charge-offs to loans | 0.1039% | 4,628 |
| Credit loss provision to net charge-offs | 66.7590% | 4,256 |
| Earnings coverage of net charge-offs (x) | 11.4238% | 2,031 |
| Efficiency ratio | 76.4572% | 2,669 |
| Assets per employee ($millions) | 4.9353% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4507% | 3,940 |
| Loan loss allowance to noncurrent loans | 395.0920% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.2841% | 5,833 |
| Noncurrent loans to loans | 0.3672% | 5,570 |
| Net loans and leases to total assets | 76.2540% | 880 |
| Net loans and leases to deposits | 97.2938% | 547 |
| Net loans and leases to core deposits | 103.3614% | 820 |
| Total domestic deposits to total assets | 78.3750% | 6,020 |
| Equity capital to assets | 10.7671% | 3,208 |
| Core capital (leverage) ratio | 10.6345% | 2,615 |
| Tier 1 risk-based capital ratio | 14.3860% | 4,105 |
| Total risk-based capital ratio | 15.6393% | 4,057 |
| Memoranda: | ||
| Average total assets | $462,458,200 | 1,425 |
| Average earning assets | $430,837,800 | 1,400 |
| Average equity | $48,030,800 | 1,455 |
| Average total loans | $347,495,200 | 1,209 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5426% | 3,455 |
| Cost of funding earning assets | 1.0134% | 1,482 |
| Net interest margin | 3.5292% | 4,533 |
| Noninterest income to average assets | 0.4734% | 4,114 |
| Noninterest expense to average assets | 2.8618% | 3,740 |
| Loan and lease loss provision to assets | 0.0518% | 5,108 |
| Net operating income to assets | 0.5975% | 4,411 |
| Return on assets (ROA) | 0.6132% | 4,588 |
| Pretax return on assets | 0.8754% | 4,208 |
| Return on Equity (ROE) | 5.9585% | 4,349 |
| Retained earnings to average equity (ytd only) | 5.9585% | 2,720 |
| Net charge-offs to loans | 0.0494% | 4,964 |
| Credit loss provision to net charge-offs | 140.6250% | 2,051 |
| Earnings coverage of net charge-offs (x) | 24.5629% | 1,273 |
| Efficiency ratio | 75.9798% | 2,685 |
| Assets per employee ($millions) | 4.9963% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 3,809 |
| Loan loss allowance to noncurrent loans | 448.5257% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.2555% | 6,057 |
| Noncurrent loans to loans | 0.3416% | 5,791 |
| Net loans and leases to total assets | 73.6376% | 1,297 |
| Net loans and leases to deposits | 94.2652% | 771 |
| Net loans and leases to core deposits | 100.3587% | 1,098 |
| Total domestic deposits to total assets | 78.1175% | 6,052 |
| Equity capital to assets | 10.5084% | 3,834 |
| Core capital (leverage) ratio | 10.2109% | 3,270 |
| Tier 1 risk-based capital ratio | 14.5631% | 4,146 |
| Total risk-based capital ratio | 15.8178% | 4,109 |
| Memoranda: | ||
| Average total assets | $463,327,250 | 1,444 |
| Average earning assets | $432,341,500 | 1,413 |
| Average equity | $47,683,750 | 1,480 |
| Average total loans | $345,583,000 | 1,231 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6111% | 3,311 |
| Cost of funding earning assets | 1.0320% | 1,566 |
| Net interest margin | 3.5790% | 4,351 |
| Noninterest income to average assets | 0.4148% | 4,549 |
| Noninterest expense to average assets | 2.8837% | 3,688 |
| Loan and lease loss provision to assets | 0.0518% | 5,016 |
| Net operating income to assets | 0.5761% | 4,466 |
| Return on assets (ROA) | 0.5997% | 4,626 |
| Pretax return on assets | 0.8559% | 4,252 |
| Return on Equity (ROE) | 5.8686% | 4,382 |
| Retained earnings to average equity (ytd only) | 5.8686% | 2,790 |
| Net charge-offs to loans | 0.0603% | 4,580 |
| Credit loss provision to net charge-offs | 115.3846% | 2,379 |
| Earnings coverage of net charge-offs (x) | 19.4519% | 1,438 |
| Efficiency ratio | 76.7391% | 2,629 |
| Assets per employee ($millions) | 4.8315% | 2,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5399% | 3,823 |
| Loan loss allowance to noncurrent loans | 563.7527% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.2211% | 6,226 |
| Noncurrent loans to loans | 0.2732% | 6,030 |
| Net loans and leases to total assets | 72.1453% | 1,534 |
| Net loans and leases to deposits | 94.0023% | 772 |
| Net loans and leases to core deposits | 100.2092% | 1,089 |
| Total domestic deposits to total assets | 76.7485% | 6,370 |
| Equity capital to assets | 10.2434% | 3,998 |
| Core capital (leverage) ratio | 10.1474% | 3,204 |
| Tier 1 risk-based capital ratio | 14.5293% | 4,081 |
| Total risk-based capital ratio | 15.7839% | 4,044 |
| Memoranda: | ||
| Average total assets | $462,884,670 | 1,440 |
| Average earning assets | $432,352,670 | 1,413 |
| Average equity | $47,302,330 | 1,478 |
| Average total loans | $344,949,000 | 1,219 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6787% | 3,138 |
| Cost of funding earning assets | 1.0531% | 1,653 |
| Net interest margin | 3.6255% | 4,151 |
| Noninterest income to average assets | 0.3843% | 4,790 |
| Noninterest expense to average assets | 2.9191% | 3,540 |
| Loan and lease loss provision to assets | 0.0522% | 4,759 |
| Net operating income to assets | 0.5612% | 4,542 |
| Return on assets (ROA) | 0.6087% | 4,516 |
| Pretax return on assets | 0.8696% | 4,157 |
| Return on Equity (ROE) | 5.9637% | 4,312 |
| Retained earnings to average equity (ytd only) | 5.9637% | 2,979 |
| Net charge-offs to loans | 0.1319% | 3,315 |
| Credit loss provision to net charge-offs | 52.6316% | 3,237 |
| Earnings coverage of net charge-offs (x) | 8.6140% | 1,938 |
| Efficiency ratio | 77.3681% | 2,591 |
| Assets per employee ($millions) | 5.0156% | 2,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5115% | 4,096 |
| Loan loss allowance to noncurrent loans | 624.9102% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.2000% | 6,387 |
| Noncurrent loans to loans | 0.2419% | 6,206 |
| Net loans and leases to total assets | 72.8892% | 1,246 |
| Net loans and leases to deposits | 94.9735% | 604 |
| Net loans and leases to core deposits | 101.1207% | 918 |
| Total domestic deposits to total assets | 76.7469% | 6,441 |
| Equity capital to assets | 10.1400% | 3,934 |
| Core capital (leverage) ratio | 10.1332% | 3,200 |
| Tier 1 risk-based capital ratio | 14.2149% | 4,301 |
| Total risk-based capital ratio | 15.4692% | 4,275 |
| Memoranda: | ||
| Average total assets | $460,000,000 | 1,448 |
| Average earning assets | $429,951,500 | 1,426 |
| Average equity | $46,950,500 | 1,481 |
| Average total loans | $345,723,500 | 1,219 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9817% | 2,958 |
| Cost of funding earning assets | 1.1387% | 2,419 |
| Net interest margin | 3.8430% | 3,611 |
| Noninterest income to average assets | 0.3766% | 4,815 |
| Noninterest expense to average assets | 2.8294% | 4,239 |
| Loan and lease loss provision to assets | 0.0927% | 5,438 |
| Net operating income to assets | 0.6967% | 3,510 |
| Return on assets (ROA) | 0.7054% | 3,645 |
| Pretax return on assets | 1.0498% | 3,034 |
| Return on Equity (ROE) | 7.1031% | 3,354 |
| Retained earnings to average equity (ytd only) | 7.1031% | 1,452 |
| Net charge-offs to loans | 0.0718% | 5,601 |
| Credit loss provision to net charge-offs | 173.9669% | 1,517 |
| Earnings coverage of net charge-offs (x) | 21.1942% | 1,103 |
| Efficiency ratio | 71.4691% | 3,698 |
| Assets per employee ($millions) | 4.7742% | 2,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5227% | 3,922 |
| Loan loss allowance to noncurrent loans | 530.9164% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.2189% | 6,415 |
| Noncurrent loans to loans | 0.2868% | 6,152 |
| Net loans and leases to total assets | 75.1770% | 1,065 |
| Net loans and leases to deposits | 98.7838% | 515 |
| Net loans and leases to core deposits | 104.8581% | 847 |
| Total domestic deposits to total assets | 76.1026% | 6,469 |
| Equity capital to assets | 10.2751% | 3,814 |
| Core capital (leverage) ratio | 9.8868% | 3,472 |
| Tier 1 risk-based capital ratio | 13.9736% | 4,343 |
| Total risk-based capital ratio | 15.2280% | 4,293 |
| Memoranda: | ||
| Average total assets | $454,092,200 | 1,446 |
| Average earning assets | $423,291,200 | 1,423 |
| Average equity | $45,093,000 | 1,511 |
| Average total loans | $336,934,800 | 1,256 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9914% | 3,130 |
| Cost of funding earning assets | 1.1480% | 2,643 |
| Net interest margin | 3.8434% | 3,651 |
| Noninterest income to average assets | 0.3537% | 5,027 |
| Noninterest expense to average assets | 2.8684% | 4,068 |
| Loan and lease loss provision to assets | 0.0528% | 5,786 |
| Net operating income to assets | 0.6936% | 3,653 |
| Return on assets (ROA) | 0.7180% | 3,688 |
| Pretax return on assets | 1.0482% | 3,221 |
| Return on Equity (ROE) | 7.2933% | 3,384 |
| Retained earnings to average equity (ytd only) | 7.2933% | 1,813 |
| Net charge-offs to loans | 0.0076% | 6,059 |
| Credit loss provision to net charge-offs | 947.3684% | 282 |
| Earnings coverage of net charge-offs (x) | 191.0205% | 202 |
| Efficiency ratio | 72.9199% | 3,382 |
| Assets per employee ($millions) | 4.9573% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5584% | 3,855 |
| Loan loss allowance to noncurrent loans | 418.3121% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.2695% | 6,391 |
| Noncurrent loans to loans | 0.3725% | 6,104 |
| Net loans and leases to total assets | 71.2243% | 1,864 |
| Net loans and leases to deposits | 92.7850% | 941 |
| Net loans and leases to core deposits | 98.3369% | 1,399 |
| Total domestic deposits to total assets | 76.7627% | 6,413 |
| Equity capital to assets | 9.8435% | 4,561 |
| Core capital (leverage) ratio | 9.7823% | 3,724 |
| Tier 1 risk-based capital ratio | 13.8626% | 4,441 |
| Total risk-based capital ratio | 15.1170% | 4,401 |
| Memoranda: | ||
| Average total assets | $454,227,500 | 1,458 |
| Average earning assets | $423,090,750 | 1,435 |
| Average equity | $44,715,500 | 1,520 |
| Average total loans | $334,609,000 | 1,275 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0033% | 3,137 |
| Cost of funding earning assets | 1.1624% | 2,835 |
| Net interest margin | 3.8409% | 3,578 |
| Noninterest income to average assets | 0.3593% | 5,010 |
| Noninterest expense to average assets | 2.8993% | 4,024 |
| Loan and lease loss provision to assets | 0.0533% | 5,649 |
| Net operating income to assets | 0.6859% | 3,625 |
| Return on assets (ROA) | 0.7235% | 3,542 |
| Pretax return on assets | 1.0340% | 3,104 |
| Return on Equity (ROE) | 7.3493% | 3,267 |
| Retained earnings to average equity (ytd only) | 7.3493% | 1,718 |
| Net charge-offs to loans | 0.0324% | 5,392 |
| Credit loss provision to net charge-offs | 222.2222% | 1,346 |
| Earnings coverage of net charge-offs (x) | 43.0926% | 707 |
| Efficiency ratio | 73.7211% | 3,412 |
| Assets per employee ($millions) | 4.7648% | 2,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5394% | 3,944 |
| Loan loss allowance to noncurrent loans | 99.7486% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 1.1426% | 4,603 |
| Noncurrent loans to loans | 1.5432% | 4,090 |
| Net loans and leases to total assets | 72.8986% | 1,614 |
| Net loans and leases to deposits | 95.1241% | 792 |
| Net loans and leases to core deposits | 100.8771% | 1,264 |
| Total domestic deposits to total assets | 76.6352% | 6,502 |
| Equity capital to assets | 9.9745% | 4,189 |
| Core capital (leverage) ratio | 9.7469% | 3,604 |
| Tier 1 risk-based capital ratio | 13.6610% | 4,410 |
| Total risk-based capital ratio | 14.9151% | 4,383 |
| Memoranda: | ||
| Average total assets | $450,309,000 | 1,480 |
| Average earning assets | $418,967,330 | 1,453 |
| Average equity | $44,331,000 | 1,517 |
| Average total loans | $333,763,000 | 1,299 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1004% | 2,649 |
| Cost of funding earning assets | 1.1733% | 2,994 |
| Net interest margin | 3.9271% | 3,016 |
| Noninterest income to average assets | 0.3660% | 4,982 |
| Noninterest expense to average assets | 2.9550% | 3,838 |
| Loan and lease loss provision to assets | 0.0534% | 5,334 |
| Net operating income to assets | 0.7109% | 3,472 |
| Return on assets (ROA) | 0.7757% | 3,210 |
| Pretax return on assets | 1.1079% | 2,729 |
| Return on Equity (ROE) | 7.9323% | 2,944 |
| Retained earnings to average equity (ytd only) | 7.9323% | 1,761 |
| Net charge-offs to loans | -0.0096% | 6,356 |
| Credit loss provision to net charge-offs | -750.0000% | 6,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4396% | 3,614 |
| Assets per employee ($millions) | 4.8452% | 2,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5489% | 3,969 |
| Loan loss allowance to noncurrent loans | 270.0680% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.4241% | 6,145 |
| Noncurrent loans to loans | 0.5735% | 5,878 |
| Net loans and leases to total assets | 72.8011% | 1,555 |
| Net loans and leases to deposits | 94.6988% | 767 |
| Net loans and leases to core deposits | 101.0308% | 1,264 |
| Total domestic deposits to total assets | 76.8765% | 6,554 |
| Equity capital to assets | 9.8296% | 3,992 |
| Core capital (leverage) ratio | 9.6633% | 3,579 |
| Tier 1 risk-based capital ratio | 13.6138% | 4,346 |
| Total risk-based capital ratio | 14.8684% | 4,315 |
| Memoranda: | ||
| Average total assets | $449,136,000 | 1,494 |
| Average earning assets | $418,321,000 | 1,469 |
| Average equity | $43,921,500 | 1,518 |
| Average total loans | $333,075,500 | 1,317 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2410% | 3,403 |
| Cost of funding earning assets | 1.3866% | 3,356 |
| Net interest margin | 3.8545% | 3,717 |
| Noninterest income to average assets | 0.4352% | 4,634 |
| Noninterest expense to average assets | 2.9060% | 4,204 |
| Loan and lease loss provision to assets | 0.1595% | 5,615 |
| Net operating income to assets | 0.6509% | 3,437 |
| Return on assets (ROA) | 0.6663% | 3,504 |
| Pretax return on assets | 0.9808% | 2,994 |
| Return on Equity (ROE) | 7.2939% | 2,984 |
| Retained earnings to average equity (ytd only) | 7.2939% | 1,205 |
| Net charge-offs to loans | 0.0876% | 5,965 |
| Credit loss provision to net charge-offs | 249.3197% | 1,152 |
| Earnings coverage of net charge-offs (x) | 17.4694% | 1,147 |
| Efficiency ratio | 72.2228% | 3,747 |
| Assets per employee ($millions) | 4.8136% | 2,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5297% | 3,861 |
| Loan loss allowance to noncurrent loans | 505.7597% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.2249% | 6,669 |
| Noncurrent loans to loans | 0.3025% | 6,446 |
| Net loans and leases to total assets | 73.2356% | 1,819 |
| Net loans and leases to deposits | 96.3882% | 839 |
| Net loans and leases to core deposits | 102.6260% | 1,406 |
| Total domestic deposits to total assets | 75.9798% | 6,637 |
| Equity capital to assets | 9.7283% | 4,084 |
| Core capital (leverage) ratio | 9.2699% | 4,071 |
| Tier 1 risk-based capital ratio | 13.4807% | 4,221 |
| Total risk-based capital ratio | 14.7352% | 4,189 |
| Memoranda: | ||
| Average total assets | $459,538,200 | 1,445 |
| Average earning assets | $427,815,400 | 1,418 |
| Average equity | $41,980,000 | 1,577 |
| Average total loans | $335,496,600 | 1,330 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2172% | 3,753 |
| Cost of funding earning assets | 1.4260% | 3,419 |
| Net interest margin | 3.7912% | 4,006 |
| Noninterest income to average assets | 0.4157% | 4,832 |
| Noninterest expense to average assets | 2.8738% | 4,189 |
| Loan and lease loss provision to assets | 0.1747% | 5,294 |
| Net operating income to assets | 0.6222% | 3,784 |
| Return on assets (ROA) | 0.6431% | 3,854 |
| Pretax return on assets | 0.9251% | 3,469 |
| Return on Equity (ROE) | 7.1526% | 3,278 |
| Retained earnings to average equity (ytd only) | 7.1526% | 1,778 |
| Net charge-offs to loans | 0.0607% | 5,905 |
| Credit loss provision to net charge-offs | 396.0784% | 768 |
| Earnings coverage of net charge-offs (x) | 24.2555% | 1,036 |
| Efficiency ratio | 72.8728% | 3,547 |
| Assets per employee ($millions) | 4.9992% | 2,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5098% | 3,917 |
| Loan loss allowance to noncurrent loans | 352.9371% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 6,605 |
| Noncurrent loans to loans | 0.4278% | 6,346 |
| Net loans and leases to total assets | 71.6558% | 2,327 |
| Net loans and leases to deposits | 93.9339% | 1,206 |
| Net loans and leases to core deposits | 99.8741% | 1,860 |
| Total domestic deposits to total assets | 76.2833% | 6,604 |
| Equity capital to assets | 9.2209% | 5,277 |
| Core capital (leverage) ratio | 8.9440% | 4,772 |
| Tier 1 risk-based capital ratio | 13.0232% | 4,563 |
| Total risk-based capital ratio | 14.2775% | 4,535 |
| Memoranda: | ||
| Average total assets | $462,506,500 | 1,464 |
| Average earning assets | $430,389,250 | 1,430 |
| Average equity | $41,587,500 | 1,595 |
| Average total loans | $336,135,000 | 1,343 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2008% | 3,955 |
| Cost of funding earning assets | 1.4800% | 3,368 |
| Net interest margin | 3.7208% | 4,266 |
| Noninterest income to average assets | 0.3756% | 5,123 |
| Noninterest expense to average assets | 2.8564% | 4,239 |
| Loan and lease loss provision to assets | 0.1637% | 5,252 |
| Net operating income to assets | 0.5792% | 3,955 |
| Return on assets (ROA) | 0.6108% | 3,967 |
| Pretax return on assets | 0.8724% | 3,615 |
| Return on Equity (ROE) | 6.8513% | 3,372 |
| Retained earnings to average equity (ytd only) | 6.8513% | 1,905 |
| Net charge-offs to loans | 0.0721% | 5,420 |
| Credit loss provision to net charge-offs | 312.3967% | 1,170 |
| Earnings coverage of net charge-offs (x) | 18.9091% | 1,271 |
| Efficiency ratio | 74.2400% | 3,427 |
| Assets per employee ($millions) | 5.0242% | 2,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4521% | 4,168 |
| Loan loss allowance to noncurrent loans | 487.6862% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.2632% | 6,742 |
| Noncurrent loans to loans | 0.2978% | 6,632 |
| Net loans and leases to total assets | 71.3294% | 2,584 |
| Net loans and leases to deposits | 92.8927% | 1,403 |
| Net loans and leases to core deposits | 98.9223% | 2,126 |
| Total domestic deposits to total assets | 76.7868% | 6,550 |
| Equity capital to assets | 9.0088% | 5,437 |
| Core capital (leverage) ratio | 8.7933% | 4,926 |
| Tier 1 risk-based capital ratio | 12.9281% | 4,511 |
| Total risk-based capital ratio | 14.1818% | 4,466 |
| Memoranda: | ||
| Average total assets | $461,701,670 | 1,479 |
| Average earning assets | $430,821,670 | 1,447 |
| Average equity | $41,160,000 | 1,605 |
| Average total loans | $335,430,000 | 1,357 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2289% | 3,880 |
| Cost of funding earning assets | 1.5429% | 3,312 |
| Net interest margin | 3.6860% | 4,323 |
| Noninterest income to average assets | 0.3852% | 5,046 |
| Noninterest expense to average assets | 2.8083% | 4,454 |
| Loan and lease loss provision to assets | 0.1307% | 5,263 |
| Net operating income to assets | 0.6216% | 3,794 |
| Return on assets (ROA) | 0.6851% | 3,618 |
| Pretax return on assets | 0.9788% | 3,168 |
| Return on Equity (ROE) | 7.7261% | 3,011 |
| Retained earnings to average equity (ytd only) | 7.7261% | 1,826 |
| Net charge-offs to loans | 0.0024% | 5,590 |
| Credit loss provision to net charge-offs | 7,500.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 584.5000% | 39 |
| Efficiency ratio | 73.3774% | 3,694 |
| Assets per employee ($millions) | 5.0351% | 2,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4401% | 4,209 |
| Loan loss allowance to noncurrent loans | 675.3868% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.1958% | 6,975 |
| Noncurrent loans to loans | 0.2132% | 6,908 |
| Net loans and leases to total assets | 70.9485% | 2,710 |
| Net loans and leases to deposits | 94.0049% | 1,349 |
| Net loans and leases to core deposits | 100.6083% | 2,071 |
| Total domestic deposits to total assets | 75.4732% | 6,836 |
| Equity capital to assets | 8.8901% | 5,420 |
| Core capital (leverage) ratio | 8.7857% | 4,879 |
| Tier 1 risk-based capital ratio | 12.9687% | 4,354 |
| Total risk-based capital ratio | 14.2221% | 4,331 |
| Memoranda: | ||
| Average total assets | $458,926,500 | 1,533 |
| Average earning assets | $428,540,500 | 1,490 |
| Average equity | $40,693,000 | 1,641 |
| Average total loans | $334,045,500 | 1,402 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6399% | 3,397 |
| Cost of funding earning assets | 2.0634% | 2,663 |
| Net interest margin | 3.5765% | 4,631 |
| Noninterest income to average assets | 0.5315% | 4,167 |
| Noninterest expense to average assets | 2.9568% | 4,321 |
| Loan and lease loss provision to assets | 0.2938% | 5,074 |
| Net operating income to assets | 0.4243% | 4,032 |
| Return on assets (ROA) | 0.4274% | 4,124 |
| Pretax return on assets | 0.6336% | 3,801 |
| Return on Equity (ROE) | 4.9466% | 3,692 |
| Retained earnings to average equity (ytd only) | 4.5907% | 2,042 |
| Net charge-offs to loans | 0.1325% | 5,872 |
| Credit loss provision to net charge-offs | 293.4211% | 1,138 |
| Earnings coverage of net charge-offs (x) | 9.2149% | 1,831 |
| Efficiency ratio | 76.2142% | 3,487 |
| Assets per employee ($millions) | 4.9958% | 2,222 |
| Cash dividends to net income (ytd only)* | 7.1942% | 3,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3908% | 4,280 |
| Loan loss allowance to noncurrent loans | 479.2997% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.4171% | 6,418 |
| Noncurrent loans to loans | 0.2902% | 6,701 |
| Net loans and leases to total assets | 72.5833% | 2,608 |
| Net loans and leases to deposits | 95.8798% | 1,346 |
| Net loans and leases to core deposits | 113.7875% | 2,520 |
| Total domestic deposits to total assets | 75.7023% | 6,739 |
| Equity capital to assets | 8.8434% | 5,364 |
| Core capital (leverage) ratio | 8.5768% | 5,143 |
| Tier 1 risk-based capital ratio | 12.6511% | 4,402 |
| Total risk-based capital ratio | 13.9040% | 4,334 |
| Memoranda: | ||
| Average total assets | $455,354,800 | 1,520 |
| Average earning assets | $426,287,400 | 1,482 |
| Average equity | $39,340,000 | 1,706 |
| Average total loans | $344,140,800 | 1,409 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6506% | 3,573 |
| Cost of funding earning assets | 2.1769% | 2,522 |
| Net interest margin | 3.4737% | 4,979 |
| Noninterest income to average assets | 0.5268% | 4,263 |
| Noninterest expense to average assets | 3.0191% | 3,971 |
| Loan and lease loss provision to assets | 0.2072% | 5,324 |
| Net operating income to assets | 0.3811% | 4,476 |
| Return on assets (ROA) | 0.3811% | 4,578 |
| Pretax return on assets | 0.5541% | 4,352 |
| Return on Equity (ROE) | 4.4371% | 4,191 |
| Retained earnings to average equity (ytd only) | 3.9599% | 3,065 |
| Net charge-offs to loans | 0.1254% | 5,443 |
| Credit loss provision to net charge-offs | 217.1779% | 2,023 |
| Earnings coverage of net charge-offs (x) | 7.9784% | 2,323 |
| Efficiency ratio | 79.8622% | 2,868 |
| Assets per employee ($millions) | 5.0701% | 2,054 |
| Cash dividends to net income (ytd only)* | 10.7526% | 3,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2188% | 5,011 |
| Loan loss allowance to noncurrent loans | 1,125.7453% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.2805% | 6,798 |
| Noncurrent loans to loans | 0.1083% | 7,207 |
| Net loans and leases to total assets | 72.9719% | 2,802 |
| Net loans and leases to deposits | 96.9031% | 1,459 |
| Net loans and leases to core deposits | 112.6845% | 2,959 |
| Total domestic deposits to total assets | 75.3040% | 6,718 |
| Equity capital to assets | 8.6440% | 6,047 |
| Core capital (leverage) ratio | 8.5002% | 5,495 |
| Tier 1 risk-based capital ratio | 12.2054% | 4,784 |
| Total risk-based capital ratio | 13.4559% | 4,731 |
| Memoranda: | ||
| Average total assets | $455,538,500 | 1,535 |
| Average earning assets | $426,658,500 | 1,497 |
| Average equity | $39,124,000 | 1,738 |
| Average total loans | $346,518,000 | 1,410 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6731% | 3,700 |
| Cost of funding earning assets | 2.3248% | 2,260 |
| Net interest margin | 3.3483% | 5,372 |
| Noninterest income to average assets | 0.5653% | 3,927 |
| Noninterest expense to average assets | 3.0093% | 4,048 |
| Loan and lease loss provision to assets | 0.1905% | 5,137 |
| Net operating income to assets | 0.3408% | 4,720 |
| Return on assets (ROA) | 0.3408% | 4,831 |
| Pretax return on assets | 0.5013% | 4,611 |
| Return on Equity (ROE) | 3.9772% | 4,500 |
| Retained earnings to average equity (ytd only) | 3.2569% | 3,506 |
| Net charge-offs to loans | 0.1447% | 4,736 |
| Credit loss provision to net charge-offs | 171.4286% | 2,681 |
| Earnings coverage of net charge-offs (x) | 6.2262% | 2,664 |
| Efficiency ratio | 81.3081% | 2,841 |
| Assets per employee ($millions) | 5.0099% | 2,064 |
| Cash dividends to net income (ytd only)* | 18.1113% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1358% | 5,358 |
| Loan loss allowance to noncurrent loans | 757.0881% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.3810% | 6,505 |
| Noncurrent loans to loans | 0.1500% | 7,146 |
| Net loans and leases to total assets | 75.4520% | 2,330 |
| Net loans and leases to deposits | 99.2435% | 1,362 |
| Net loans and leases to core deposits | 116.4090% | 2,679 |
| Total domestic deposits to total assets | 76.0271% | 6,545 |
| Equity capital to assets | 8.5898% | 5,914 |
| Core capital (leverage) ratio | 8.3372% | 5,730 |
| Tier 1 risk-based capital ratio | 11.8928% | 5,007 |
| Total risk-based capital ratio | 13.1076% | 4,953 |
| Memoranda: | ||
| Average total assets | $453,590,330 | 1,559 |
| Average earning assets | $424,814,000 | 1,526 |
| Average equity | $38,871,330 | 1,751 |
| Average total loans | $348,412,670 | 1,430 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7581% | 3,490 |
| Cost of funding earning assets | 2.4334% | 2,164 |
| Net interest margin | 3.3248% | 5,423 |
| Noninterest income to average assets | 0.5057% | 4,276 |
| Noninterest expense to average assets | 2.9485% | 3,983 |
| Loan and lease loss provision to assets | 0.1591% | 4,897 |
| Net operating income to assets | 0.3475% | 5,081 |
| Return on assets (ROA) | 0.3475% | 5,265 |
| Pretax return on assets | 0.5110% | 5,054 |
| Return on Equity (ROE) | 4.0592% | 4,901 |
| Retained earnings to average equity (ytd only) | 4.0592% | 3,638 |
| Net charge-offs to loans | 0.1652% | 3,644 |
| Credit loss provision to net charge-offs | 125.0000% | 3,173 |
| Earnings coverage of net charge-offs (x) | 5.2639% | 2,708 |
| Efficiency ratio | 81.4806% | 2,612 |
| Assets per employee ($millions) | 4.9931% | 2,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0980% | 5,485 |
| Loan loss allowance to noncurrent loans | 410.3448% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.5055% | 5,955 |
| Noncurrent loans to loans | 0.2676% | 6,769 |
| Net loans and leases to total assets | 75.4919% | 2,391 |
| Net loans and leases to deposits | 100.4169% | 1,353 |
| Net loans and leases to core deposits | 120.0220% | 2,411 |
| Total domestic deposits to total assets | 75.1785% | 6,669 |
| Equity capital to assets | 8.5911% | 5,925 |
| Core capital (leverage) ratio | 8.4378% | 5,648 |
| Tier 1 risk-based capital ratio | 11.7457% | 5,176 |
| Total risk-based capital ratio | 12.9087% | 5,160 |
| Memoranda: | ||
| Average total assets | $452,436,000 | 1,565 |
| Average earning assets | $423,610,000 | 1,537 |
| Average equity | $38,726,500 | 1,753 |
| Average total loans | $348,650,500 | 1,449 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0656% | 5,227 |
| Cost of funding earning assets | 2.8278% | 2,592 |
| Net interest margin | 3.2378% | 6,251 |
| Noninterest income to average assets | 0.3658% | 5,783 |
| Noninterest expense to average assets | 2.8375% | 4,657 |
| Loan and lease loss provision to assets | 0.1462% | 5,488 |
| Net operating income to assets | 0.2753% | 5,628 |
| Return on assets (ROA) | 0.2792% | 5,429 |
| Pretax return on assets | 0.4089% | 5,237 |
| Return on Equity (ROE) | 3.3179% | 5,115 |
| Retained earnings to average equity (ytd only) | 3.3179% | 3,085 |
| Net charge-offs to loans | 0.1323% | 4,893 |
| Credit loss provision to net charge-offs | 142.7313% | 3,714 |
| Earnings coverage of net charge-offs (x) | 5.3634% | 3,669 |
| Efficiency ratio | 83.7753% | 2,081 |
| Assets per employee ($millions) | 4.8440% | 2,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0763% | 5,443 |
| Loan loss allowance to noncurrent loans | 252.3077% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.6617% | 5,236 |
| Noncurrent loans to loans | 0.4266% | 6,061 |
| Net loans and leases to total assets | 76.9605% | 2,387 |
| Net loans and leases to deposits | 105.1466% | 1,206 |
| Net loans and leases to core deposits | 128.4508% | 1,969 |
| Total domestic deposits to total assets | 73.1935% | 6,794 |
| Equity capital to assets | 8.5277% | 6,037 |
| Core capital (leverage) ratio | 8.4553% | 5,644 |
| Tier 1 risk-based capital ratio | 11.4196% | 5,318 |
| Total risk-based capital ratio | 12.5515% | 5,335 |
| Memoranda: | ||
| Average total assets | $443,102,400 | 1,550 |
| Average earning assets | $413,459,400 | 1,516 |
| Average equity | $37,283,000 | 1,817 |
| Average total loans | $343,180,800 | 1,414 |