Home > South Shore Bank > Performance and Condition Ratios
South Shore 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 | 4.5418% | 3,026 |
| Cost of funding earning assets | 1.5913% | 1,712 |
| Net interest margin | 2.9505% | 3,392 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.1418% | 3,286 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7099% | 3,170 |
| Return on assets (ROA) | 0.7208% | 3,108 |
| Pretax return on assets | 0.9784% | 2,727 |
| Return on Equity (ROE) | 8.3500% | 2,934 |
| Retained earnings to average equity (ytd only) | 8.3455% | 1,444 |
| Net charge-offs to loans | -0.0007% | 3,576 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 68.6922% | 2,033 |
| Assets per employee ($millions) | 9.3420% | 876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0403% | 3,109 |
| Loan loss allowance to noncurrent loans | 595.1479% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.1175% | 2,747 |
| Noncurrent loans to loans | 0.1748% | 2,643 |
| Net loans and leases to total assets | 66.5000% | 2,200 |
| Net loans and leases to deposits | 76.3923% | 2,417 |
| Net loans and leases to core deposits | 83.8085% | 2,467 |
| Total domestic deposits to total assets | 87.0500% | 1,659 |
| Equity capital to assets | 9.4108% | 2,414 |
| Core capital (leverage) ratio | 10.2161% | 2,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7259% | 1,340 |
| Memoranda: | ||
| Average total assets | $2,138,623,600 | 538 |
| Average earning assets | $2,028,578,800 | 514 |
| Average equity | $184,723,400 | 576 |
| Average total loans | $1,416,399,600 | 544 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4661% | 2,979 |
| Cost of funding earning assets | 1.4880% | 1,642 |
| Net interest margin | 2.9780% | 3,380 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.1353% | 3,250 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7259% | 3,240 |
| Return on assets (ROA) | 0.7311% | 3,213 |
| Pretax return on assets | 1.0011% | 2,862 |
| Return on Equity (ROE) | 8.6600% | 3,018 |
| Retained earnings to average equity (ytd only) | 8.6608% | 1,777 |
| Net charge-offs to loans | -0.0029% | 3,644 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.9724% | 2,019 |
| Assets per employee ($millions) | 9.4120% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3939% | 1,471 |
| Loan loss allowance to noncurrent loans | 680.9346% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.1382% | 2,644 |
| Noncurrent loans to loans | 0.2047% | 2,533 |
| Net loans and leases to total assets | 66.5800% | 2,191 |
| Net loans and leases to deposits | 74.9118% | 2,502 |
| Net loans and leases to core deposits | 81.5796% | 2,498 |
| Total domestic deposits to total assets | 88.8800% | 1,297 |
| Equity capital to assets | 8.4263% | 2,767 |
| Core capital (leverage) ratio | 9.8059% | 2,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3301% | 1,465 |
| Memoranda: | ||
| Average total assets | $2,133,777,000 | 539 |
| Average earning assets | $2,023,422,750 | 517 |
| Average equity | $180,133,000 | 585 |
| Average total loans | $1,407,949,500 | 548 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3694% | 2,962 |
| Cost of funding earning assets | 1.3647% | 1,542 |
| Net interest margin | 3.0047% | 3,421 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.0497% | 3,462 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8088% | 3,053 |
| Return on assets (ROA) | 0.8167% | 3,043 |
| Pretax return on assets | 1.1190% | 2,591 |
| Return on Equity (ROE) | 9.6700% | 2,799 |
| Retained earnings to average equity (ytd only) | 9.6677% | 1,495 |
| Net charge-offs to loans | -0.0103% | 3,919 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.6381% | 2,415 |
| Assets per employee ($millions) | 9.4721% | 788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 1,407 |
| Loan loss allowance to noncurrent loans | 727.9263% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 2,635 |
| Noncurrent loans to loans | 0.1972% | 2,479 |
| Net loans and leases to total assets | 65.2200% | 2,246 |
| Net loans and leases to deposits | 73.8503% | 2,512 |
| Net loans and leases to core deposits | 79.8829% | 2,479 |
| Total domestic deposits to total assets | 88.3100% | 1,492 |
| Equity capital to assets | 8.6613% | 2,738 |
| Core capital (leverage) ratio | 9.6879% | 3,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4214% | 1,447 |
| Memoranda: | ||
| Average total assets | $2,132,858,667 | 527 |
| Average earning assets | $2,023,011,000 | 505 |
| Average equity | $180,167,333 | 575 |
| Average total loans | $1,396,410,333 | 537 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2991% | 2,805 |
| Cost of funding earning assets | 1.2218% | 1,398 |
| Net interest margin | 3.0773% | 3,406 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 1.9375% | 3,774 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9524% | 2,681 |
| Return on assets (ROA) | 0.9839% | 2,551 |
| Pretax return on assets | 1.3477% | 2,027 |
| Return on Equity (ROE) | 11.8000% | 2,272 |
| Retained earnings to average equity (ytd only) | 11.7960% | 1,307 |
| Net charge-offs to loans | 0.0014% | 1,993 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 1,398.4000% | 65 |
| Efficiency ratio | 59.4582% | 3,027 |
| Assets per employee ($millions) | 10.0267% | 691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 1,454 |
| Loan loss allowance to noncurrent loans | 600.2392% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.1544% | 2,426 |
| Noncurrent loans to loans | 0.2403% | 2,300 |
| Net loans and leases to total assets | 63.3400% | 2,316 |
| Net loans and leases to deposits | 71.2998% | 2,522 |
| Net loans and leases to core deposits | 76.2446% | 2,509 |
| Total domestic deposits to total assets | 88.8300% | 1,603 |
| Equity capital to assets | 8.5096% | 2,883 |
| Core capital (leverage) ratio | 9.5354% | 3,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3862% | 1,525 |
| Memoranda: | ||
| Average total assets | $2,138,408,000 | 534 |
| Average earning assets | $2,028,402,500 | 514 |
| Average equity | $178,365,000 | 590 |
| Average total loans | $1,392,669,000 | 548 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4550% | 3,194 |
| Cost of funding earning assets | 0.3958% | 2,141 |
| Net interest margin | 3.0593% | 3,290 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 1.9917% | 3,598 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8485% | 3,156 |
| Return on assets (ROA) | 0.9844% | 2,576 |
| Pretax return on assets | 1.3605% | 1,903 |
| Return on Equity (ROE) | 11.8300% | 2,201 |
| Retained earnings to average equity (ytd only) | 10.1009% | 1,116 |
| Net charge-offs to loans | -0.0028% | 3,514 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.3765% | 2,710 |
| Assets per employee ($millions) | 10.2478% | 620 |
| Cash dividends to net income (ytd only)* | 14.6385% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4407% | 1,367 |
| Loan loss allowance to noncurrent loans | 582.1108% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.1634% | 2,395 |
| Noncurrent loans to loans | 0.2475% | 2,287 |
| Net loans and leases to total assets | 65.0600% | 2,133 |
| Net loans and leases to deposits | 73.2096% | 2,315 |
| Net loans and leases to core deposits | 77.2001% | 2,332 |
| Total domestic deposits to total assets | 88.8700% | 1,754 |
| Equity capital to assets | 8.1681% | 2,953 |
| Core capital (leverage) ratio | 9.2043% | 3,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1919% | 1,568 |
| Memoranda: | ||
| Average total assets | $2,097,737,600 | 524 |
| Average earning assets | $1,995,122,600 | 507 |
| Average equity | $174,519,800 | 592 |
| Average total loans | $1,355,208,200 | 519 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2316% | 3,357 |
| Cost of funding earning assets | 0.2515% | 2,685 |
| Net interest margin | 2.9801% | 3,273 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 1.9616% | 3,586 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8393% | 3,098 |
| Return on assets (ROA) | 0.8381% | 3,074 |
| Pretax return on assets | 1.1641% | 2,507 |
| Return on Equity (ROE) | 10.0300% | 2,714 |
| Retained earnings to average equity (ytd only) | 7.7260% | 2,107 |
| Net charge-offs to loans | -0.0047% | 3,467 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.4697% | 2,769 |
| Assets per employee ($millions) | 10.0949% | 644 |
| Cash dividends to net income (ytd only)* | 22.9607% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 1,442 |
| Loan loss allowance to noncurrent loans | 473.7264% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.1981% | 2,283 |
| Noncurrent loans to loans | 0.3066% | 2,147 |
| Net loans and leases to total assets | 63.6700% | 2,120 |
| Net loans and leases to deposits | 71.3207% | 2,260 |
| Net loans and leases to core deposits | 73.2122% | 2,411 |
| Total domestic deposits to total assets | 89.2700% | 1,973 |
| Equity capital to assets | 7.5943% | 3,158 |
| Core capital (leverage) ratio | 9.0037% | 3,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6746% | 1,823 |
| Memoranda: | ||
| Average total assets | $2,094,412,000 | 527 |
| Average earning assets | $1,994,032,500 | 508 |
| Average equity | $175,042,000 | 597 |
| Average total loans | $1,345,617,750 | 521 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0606% | 3,401 |
| Cost of funding earning assets | 0.1881% | 3,073 |
| Net interest margin | 2.8724% | 3,240 |
| Noninterest income to average assets | 0.2935% | 3,408 |
| Noninterest expense to average assets | 1.9759% | 3,497 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7598% | 3,110 |
| Return on assets (ROA) | 0.7587% | 3,071 |
| Pretax return on assets | 1.0537% | 2,556 |
| Return on Equity (ROE) | 8.8018% | 2,756 |
| Retained earnings to average equity (ytd only) | 5.4282% | 2,542 |
| Net charge-offs to loans | -0.0053% | 3,360 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9191% | 2,648 |
| Assets per employee ($millions) | 10.0465% | 647 |
| Cash dividends to net income (ytd only)* | 38.3289% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4612% | 1,514 |
| Loan loss allowance to noncurrent loans | 379.0219% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.2510% | 2,063 |
| Noncurrent loans to loans | 0.3855% | 1,980 |
| Net loans and leases to total assets | 64.1597% | 1,896 |
| Net loans and leases to deposits | 72.9222% | 1,963 |
| Net loans and leases to core deposits | 74.3364% | 2,145 |
| Total domestic deposits to total assets | 87.9837% | 2,584 |
| Equity capital to assets | 8.0894% | 3,049 |
| Core capital (leverage) ratio | 8.8640% | 3,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4920% | 1,868 |
| Memoranda: | ||
| Average total assets | $2,079,173,667 | 525 |
| Average earning assets | $1,981,517,000 | 510 |
| Average equity | $179,213,667 | 591 |
| Average total loans | $1,333,254,333 | 514 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9626% | 3,363 |
| Cost of funding earning assets | 0.1934% | 2,884 |
| Net interest margin | 2.7692% | 3,227 |
| Noninterest income to average assets | 0.2814% | 3,445 |
| Noninterest expense to average assets | 1.9769% | 3,490 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6814% | 3,121 |
| Return on assets (ROA) | 0.6820% | 3,109 |
| Pretax return on assets | 0.9471% | 2,605 |
| Return on Equity (ROE) | 7.6714% | 2,818 |
| Retained earnings to average equity (ytd only) | 1.0813% | 3,809 |
| Net charge-offs to loans | -0.0018% | 3,095 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3473% | 2,585 |
| Assets per employee ($millions) | 8.8215% | 980 |
| Cash dividends to net income (ytd only)* | 85.9051% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5345% | 1,445 |
| Loan loss allowance to noncurrent loans | 382.6842% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.2527% | 2,135 |
| Noncurrent loans to loans | 0.4010% | 2,057 |
| Net loans and leases to total assets | 62.0453% | 1,855 |
| Net loans and leases to deposits | 70.6469% | 1,897 |
| Net loans and leases to core deposits | 72.0692% | 2,100 |
| Total domestic deposits to total assets | 87.8245% | 2,613 |
| Equity capital to assets | 8.5184% | 3,141 |
| Core capital (leverage) ratio | 8.8604% | 3,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9957% | 1,795 |
| Memoranda: | ||
| Average total assets | $2,063,880,000 | 535 |
| Average earning assets | $1,968,916,000 | 519 |
| Average equity | $183,487,500 | 596 |
| Average total loans | $1,313,037,000 | 518 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3063% | 3,196 |
| Cost of funding earning assets | 0.2810% | 2,589 |
| Net interest margin | 3.0253% | 3,131 |
| Noninterest income to average assets | 0.4145% | 2,975 |
| Noninterest expense to average assets | 2.0389% | 3,555 |
| Loan and lease loss provision to assets | 0.0055% | 2,969 |
| Net operating income to assets | 0.9441% | 2,890 |
| Return on assets (ROA) | 0.9551% | 2,921 |
| Pretax return on assets | 1.2742% | 2,441 |
| Return on Equity (ROE) | 10.4003% | 2,384 |
| Retained earnings to average equity (ytd only) | 10.1685% | 876 |
| Net charge-offs to loans | -0.0025% | 3,408 |
| Credit loss provision to net charge-offs | -323.5294% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4404% | 2,944 |
| Assets per employee ($millions) | 9.6465% | 745 |
| Cash dividends to net income (ytd only)* | 2.2289% | 3,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5183% | 1,491 |
| Loan loss allowance to noncurrent loans | 321.0864% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.3037% | 2,018 |
| Noncurrent loans to loans | 0.4729% | 1,946 |
| Net loans and leases to total assets | 63.2576% | 1,790 |
| Net loans and leases to deposits | 72.9851% | 1,814 |
| Net loans and leases to core deposits | 74.5695% | 2,032 |
| Total domestic deposits to total assets | 86.6719% | 2,633 |
| Equity capital to assets | 9.2658% | 3,354 |
| Core capital (leverage) ratio | 8.7894% | 3,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0590% | 1,826 |
| Memoranda: | ||
| Average total assets | $1,996,521,600 | 530 |
| Average earning assets | $1,907,409,000 | 517 |
| Average equity | $183,340,400 | 593 |
| Average total loans | $1,352,613,000 | 507 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3612% | 3,217 |
| Cost of funding earning assets | 0.3021% | 2,573 |
| Net interest margin | 3.0591% | 3,150 |
| Noninterest income to average assets | 0.3956% | 3,117 |
| Noninterest expense to average assets | 2.0664% | 3,466 |
| Loan and lease loss provision to assets | 0.0074% | 2,835 |
| Net operating income to assets | 0.9418% | 3,118 |
| Return on assets (ROA) | 0.9569% | 3,140 |
| Pretax return on assets | 1.2623% | 2,727 |
| Return on Equity (ROE) | 10.4444% | 2,569 |
| Retained earnings to average equity (ytd only) | 10.1323% | 1,277 |
| Net charge-offs to loans | -0.0009% | 3,112 |
| Credit loss provision to net charge-offs | -1,222.2222% | 3,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0374% | 2,692 |
| Assets per employee ($millions) | 9.8090% | 678 |
| Cash dividends to net income (ytd only)* | 2.9879% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 1,630 |
| Loan loss allowance to noncurrent loans | 300.4654% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.3249% | 2,154 |
| Noncurrent loans to loans | 0.4995% | 2,060 |
| Net loans and leases to total assets | 64.0698% | 1,767 |
| Net loans and leases to deposits | 74.3843% | 1,823 |
| Net loans and leases to core deposits | 76.2798% | 2,019 |
| Total domestic deposits to total assets | 86.1335% | 2,696 |
| Equity capital to assets | 9.1395% | 3,713 |
| Core capital (leverage) ratio | 8.7996% | 3,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7596% | 2,061 |
| Memoranda: | ||
| Average total assets | $1,981,973,750 | 537 |
| Average earning assets | $1,892,780,750 | 522 |
| Average equity | $181,579,250 | 605 |
| Average total loans | $1,360,816,000 | 513 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4091% | 3,157 |
| Cost of funding earning assets | 0.3288% | 2,503 |
| Net interest margin | 3.0803% | 3,088 |
| Noninterest income to average assets | 0.4294% | 2,955 |
| Noninterest expense to average assets | 2.1127% | 3,351 |
| Loan and lease loss provision to assets | 0.0112% | 2,716 |
| Net operating income to assets | 0.9373% | 3,105 |
| Return on assets (ROA) | 0.9575% | 3,122 |
| Pretax return on assets | 1.2725% | 2,702 |
| Return on Equity (ROE) | 10.4425% | 2,603 |
| Retained earnings to average equity (ytd only) | 9.9694% | 1,403 |
| Net charge-offs to loans | -0.0018% | 3,172 |
| Credit loss provision to net charge-offs | -916.6667% | 3,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4190% | 2,676 |
| Assets per employee ($millions) | 9.4131% | 737 |
| Cash dividends to net income (ytd only)* | 4.5309% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5054% | 1,575 |
| Loan loss allowance to noncurrent loans | 413.0830% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.2428% | 2,720 |
| Noncurrent loans to loans | 0.3644% | 2,601 |
| Net loans and leases to total assets | 65.6303% | 1,736 |
| Net loans and leases to deposits | 76.6548% | 1,760 |
| Net loans and leases to core deposits | 78.8149% | 1,978 |
| Total domestic deposits to total assets | 85.6180% | 2,869 |
| Equity capital to assets | 9.2373% | 3,573 |
| Core capital (leverage) ratio | 8.6267% | 3,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7990% | 2,053 |
| Memoranda: | ||
| Average total assets | $1,959,273,667 | 538 |
| Average earning assets | $1,870,925,667 | 522 |
| Average equity | $179,650,333 | 608 |
| Average total loans | $1,369,924,000 | 511 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3903% | 3,220 |
| Cost of funding earning assets | 0.3822% | 2,242 |
| Net interest margin | 3.0081% | 3,239 |
| Noninterest income to average assets | 0.3808% | 3,195 |
| Noninterest expense to average assets | 2.0945% | 3,441 |
| Loan and lease loss provision to assets | 0.0227% | 2,488 |
| Net operating income to assets | 0.8496% | 3,271 |
| Return on assets (ROA) | 0.8667% | 3,304 |
| Pretax return on assets | 1.1556% | 2,968 |
| Return on Equity (ROE) | 9.4886% | 2,860 |
| Retained earnings to average equity (ytd only) | 8.5298% | 2,084 |
| Net charge-offs to loans | -0.0037% | 3,290 |
| Credit loss provision to net charge-offs | -846.1538% | 3,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1567% | 2,445 |
| Assets per employee ($millions) | 9.5836% | 681 |
| Cash dividends to net income (ytd only)* | 10.1046% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4248% | 1,860 |
| Loan loss allowance to noncurrent loans | 321.5743% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.3138% | 2,575 |
| Noncurrent loans to loans | 0.4431% | 2,527 |
| Net loans and leases to total assets | 69.8117% | 1,320 |
| Net loans and leases to deposits | 81.5477% | 1,371 |
| Net loans and leases to core deposits | 84.1172% | 1,670 |
| Total domestic deposits to total assets | 85.6084% | 2,889 |
| Equity capital to assets | 8.9373% | 3,743 |
| Core capital (leverage) ratio | 8.5143% | 4,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3490% | 2,141 |
| Memoranda: | ||
| Average total assets | $1,941,121,500 | 535 |
| Average earning assets | $1,852,206,000 | 525 |
| Average equity | $177,307,000 | 608 |
| Average total loans | $1,390,025,000 | 505 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7257% | 3,511 |
| Cost of funding earning assets | 0.6730% | 1,860 |
| Net interest margin | 3.0528% | 3,745 |
| Noninterest income to average assets | 0.3295% | 3,483 |
| Noninterest expense to average assets | 2.2929% | 3,421 |
| Loan and lease loss provision to assets | 0.4242% | 697 |
| Net operating income to assets | 0.3888% | 4,269 |
| Return on assets (ROA) | 0.4056% | 4,315 |
| Pretax return on assets | 0.5410% | 4,199 |
| Return on Equity (ROE) | 4.1535% | 4,126 |
| Retained earnings to average equity (ytd only) | 3.7910% | 2,923 |
| Net charge-offs to loans | -0.0010% | 3,940 |
| Credit loss provision to net charge-offs | -57,153.8462% | 4,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5417% | 1,877 |
| Assets per employee ($millions) | 9.1271% | 710 |
| Cash dividends to net income (ytd only)* | 8.7262% | 3,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4468% | 1,786 |
| Loan loss allowance to noncurrent loans | 261.4323% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.4101% | 2,359 |
| Noncurrent loans to loans | 0.5534% | 2,324 |
| Net loans and leases to total assets | 71.3855% | 1,381 |
| Net loans and leases to deposits | 85.1589% | 1,328 |
| Net loans and leases to core deposits | 88.1676% | 1,672 |
| Total domestic deposits to total assets | 83.8263% | 3,161 |
| Equity capital to assets | 9.3401% | 3,755 |
| Core capital (leverage) ratio | 8.6807% | 4,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1901% | 2,172 |
| Memoranda: | ||
| Average total assets | $1,751,660,800 | 540 |
| Average earning assets | $1,668,150,400 | 521 |
| Average equity | $171,061,400 | 594 |
| Average total loans | $1,328,123,000 | 503 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7256% | 3,745 |
| Cost of funding earning assets | 0.7093% | 1,972 |
| Net interest margin | 3.0163% | 3,937 |
| Noninterest income to average assets | 0.3715% | 3,229 |
| Noninterest expense to average assets | 2.3376% | 3,321 |
| Loan and lease loss provision to assets | 0.4591% | 689 |
| Net operating income to assets | 0.3225% | 4,406 |
| Return on assets (ROA) | 0.3447% | 4,426 |
| Pretax return on assets | 0.4743% | 4,330 |
| Return on Equity (ROE) | 3.4879% | 4,291 |
| Retained earnings to average equity (ytd only) | 3.0002% | 3,523 |
| Net charge-offs to loans | -0.0007% | 3,795 |
| Credit loss provision to net charge-offs | -84,357.1429% | 4,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7786% | 1,667 |
| Assets per employee ($millions) | 9.1893% | 659 |
| Cash dividends to net income (ytd only)* | 13.9829% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 2,167 |
| Loan loss allowance to noncurrent loans | 215.8185% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.4607% | 2,342 |
| Noncurrent loans to loans | 0.6012% | 2,301 |
| Net loans and leases to total assets | 75.6372% | 1,140 |
| Net loans and leases to deposits | 91.8405% | 1,088 |
| Net loans and leases to core deposits | 95.0354% | 1,537 |
| Total domestic deposits to total assets | 82.3571% | 3,324 |
| Equity capital to assets | 9.4355% | 3,735 |
| Core capital (leverage) ratio | 8.7988% | 3,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0512% | 2,176 |
| Memoranda: | ||
| Average total assets | $1,714,967,250 | 541 |
| Average earning assets | $1,632,587,750 | 523 |
| Average equity | $169,497,750 | 591 |
| Average total loans | $1,316,378,250 | 499 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7620% | 3,964 |
| Cost of funding earning assets | 0.7724% | 1,978 |
| Net interest margin | 2.9895% | 4,147 |
| Noninterest income to average assets | 0.3440% | 3,413 |
| Noninterest expense to average assets | 2.4729% | 3,042 |
| Loan and lease loss provision to assets | 0.3537% | 1,192 |
| Net operating income to assets | 0.2612% | 4,482 |
| Return on assets (ROA) | 0.2830% | 4,485 |
| Pretax return on assets | 0.3907% | 4,426 |
| Return on Equity (ROE) | 2.8159% | 4,383 |
| Retained earnings to average equity (ytd only) | 2.0774% | 3,721 |
| Net charge-offs to loans | 0.0002% | 3,032 |
| Credit loss provision to net charge-offs | 295,500.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 5,989.0000% | 6 |
| Efficiency ratio | 77.2074% | 1,134 |
| Assets per employee ($millions) | 9.6396% | 561 |
| Cash dividends to net income (ytd only)* | 26.2267% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1130% | 2,981 |
| Loan loss allowance to noncurrent loans | 177.1212% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.4749% | 2,419 |
| Noncurrent loans to loans | 0.6284% | 2,290 |
| Net loans and leases to total assets | 74.7335% | 1,312 |
| Net loans and leases to deposits | 90.6825% | 1,287 |
| Net loans and leases to core deposits | 94.3518% | 1,711 |
| Total domestic deposits to total assets | 82.4122% | 3,266 |
| Equity capital to assets | 9.3564% | 3,776 |
| Core capital (leverage) ratio | 8.9556% | 3,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3774% | 2,038 |
| Memoranda: | ||
| Average total assets | $1,670,940,333 | 546 |
| Average earning assets | $1,590,557,000 | 527 |
| Average equity | $167,904,333 | 596 |
| Average total loans | $1,283,364,667 | 503 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9777% | 3,853 |
| Cost of funding earning assets | 0.8242% | 2,251 |
| Net interest margin | 3.1536% | 3,971 |
| Noninterest income to average assets | 0.4320% | 2,897 |
| Noninterest expense to average assets | 2.4476% | 3,437 |
| Loan and lease loss provision to assets | 0.3659% | 841 |
| Net operating income to assets | 0.4474% | 4,024 |
| Return on assets (ROA) | 0.4655% | 4,041 |
| Pretax return on assets | 0.6377% | 3,844 |
| Return on Equity (ROE) | 4.4556% | 3,833 |
| Retained earnings to average equity (ytd only) | 2.9632% | 3,098 |
| Net charge-offs to loans | 0.0075% | 2,300 |
| Credit loss provision to net charge-offs | 6,326.0870% | 122 |
| Earnings coverage of net charge-offs (x) | 169.5652% | 388 |
| Efficiency ratio | 71.0849% | 2,204 |
| Assets per employee ($millions) | 7.9163% | 758 |
| Cash dividends to net income (ytd only)* | 33.4954% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 3,145 |
| Loan loss allowance to noncurrent loans | 176.1929% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.4879% | 2,536 |
| Noncurrent loans to loans | 0.6303% | 2,410 |
| Net loans and leases to total assets | 76.5503% | 1,206 |
| Net loans and leases to deposits | 92.9271% | 1,188 |
| Net loans and leases to core deposits | 98.0754% | 1,619 |
| Total domestic deposits to total assets | 82.3767% | 3,307 |
| Equity capital to assets | 10.3825% | 3,439 |
| Core capital (leverage) ratio | 10.0212% | 3,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4723% | 2,086 |
| Memoranda: | ||
| Average total assets | $1,590,645,500 | 550 |
| Average earning assets | $1,511,312,000 | 528 |
| Average equity | $166,174,000 | 596 |
| Average total loans | $1,232,961,000 | 501 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1632% | 3,904 |
| Cost of funding earning assets | 0.8253% | 2,561 |
| Net interest margin | 3.3379% | 3,897 |
| Noninterest income to average assets | 0.3900% | 3,360 |
| Noninterest expense to average assets | 2.4110% | 3,657 |
| Loan and lease loss provision to assets | 0.1311% | 1,632 |
| Net operating income to assets | 0.7458% | 3,715 |
| Return on assets (ROA) | 0.7607% | 3,750 |
| Pretax return on assets | 1.0232% | 3,406 |
| Return on Equity (ROE) | 7.1751% | 3,489 |
| Retained earnings to average equity (ytd only) | 6.7947% | 1,486 |
| Net charge-offs to loans | -0.0024% | 4,244 |
| Credit loss provision to net charge-offs | -7,222.2222% | 4,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6642% | 2,505 |
| Assets per employee ($millions) | 7.6782% | 804 |
| Cash dividends to net income (ytd only)* | 5.3013% | 3,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0242% | 3,351 |
| Loan loss allowance to noncurrent loans | 155.9424% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.5098% | 2,373 |
| Noncurrent loans to loans | 0.6568% | 2,248 |
| Net loans and leases to total assets | 76.8247% | 1,288 |
| Net loans and leases to deposits | 91.5587% | 1,421 |
| Net loans and leases to core deposits | 97.0248% | 1,812 |
| Total domestic deposits to total assets | 83.9076% | 2,875 |
| Equity capital to assets | 10.5134% | 3,432 |
| Core capital (leverage) ratio | 10.0619% | 3,446 |
| Tier 1 risk-based capital ratio | 13.5458% | 3,494 |
| Total risk-based capital ratio | 14.6480% | 3,464 |
| Memoranda: | ||
| Average total assets | $1,487,828,600 | 555 |
| Average earning assets | $1,406,947,600 | 539 |
| Average equity | $157,739,800 | 593 |
| Average total loans | $1,119,741,400 | 518 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1690% | 3,991 |
| Cost of funding earning assets | 0.8059% | 2,687 |
| Net interest margin | 3.3631% | 3,955 |
| Noninterest income to average assets | 0.3852% | 3,405 |
| Noninterest expense to average assets | 2.4194% | 3,632 |
| Loan and lease loss provision to assets | 0.1226% | 1,592 |
| Net operating income to assets | 0.7615% | 3,806 |
| Return on assets (ROA) | 0.7764% | 3,823 |
| Pretax return on assets | 1.0381% | 3,478 |
| Return on Equity (ROE) | 7.3064% | 3,579 |
| Retained earnings to average equity (ytd only) | 6.7936% | 1,955 |
| Net charge-offs to loans | -0.0063% | 4,263 |
| Credit loss provision to net charge-offs | -2,596.1538% | 4,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6127% | 2,480 |
| Assets per employee ($millions) | 7.4778% | 851 |
| Cash dividends to net income (ytd only)* | 7.0184% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0526% | 3,273 |
| Loan loss allowance to noncurrent loans | 158.4656% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.4866% | 2,581 |
| Noncurrent loans to loans | 0.6643% | 2,297 |
| Net loans and leases to total assets | 72.4757% | 2,088 |
| Net loans and leases to deposits | 86.8078% | 2,091 |
| Net loans and leases to core deposits | 93.1937% | 2,244 |
| Total domestic deposits to total assets | 83.4898% | 3,002 |
| Equity capital to assets | 10.5651% | 3,491 |
| Core capital (leverage) ratio | 10.2708% | 3,337 |
| Tier 1 risk-based capital ratio | 14.2584% | 3,195 |
| Total risk-based capital ratio | 15.3862% | 3,166 |
| Memoranda: | ||
| Average total assets | $1,468,196,500 | 564 |
| Average earning assets | $1,386,532,250 | 551 |
| Average equity | $156,005,500 | 602 |
| Average total loans | $1,095,726,500 | 533 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1461% | 4,058 |
| Cost of funding earning assets | 0.7738% | 2,781 |
| Net interest margin | 3.3724% | 3,982 |
| Noninterest income to average assets | 0.3875% | 3,352 |
| Noninterest expense to average assets | 2.4497% | 3,609 |
| Loan and lease loss provision to assets | 0.1246% | 1,492 |
| Net operating income to assets | 0.7511% | 3,824 |
| Return on assets (ROA) | 0.7654% | 3,834 |
| Pretax return on assets | 1.0122% | 3,501 |
| Return on Equity (ROE) | 7.1892% | 3,603 |
| Retained earnings to average equity (ytd only) | 6.4088% | 2,098 |
| Net charge-offs to loans | -0.0103% | 4,338 |
| Credit loss provision to net charge-offs | -1,607.1429% | 4,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3187% | 2,481 |
| Assets per employee ($millions) | 7.4871% | 819 |
| Cash dividends to net income (ytd only)* | 10.8558% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0298% | 3,443 |
| Loan loss allowance to noncurrent loans | 142.4779% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.5412% | 2,386 |
| Noncurrent loans to loans | 0.7228% | 2,185 |
| Net loans and leases to total assets | 74.1082% | 1,873 |
| Net loans and leases to deposits | 89.2239% | 1,831 |
| Net loans and leases to core deposits | 95.8558% | 2,086 |
| Total domestic deposits to total assets | 83.0586% | 3,176 |
| Equity capital to assets | 10.7075% | 3,340 |
| Core capital (leverage) ratio | 10.5085% | 3,078 |
| Tier 1 risk-based capital ratio | 14.2310% | 3,194 |
| Total risk-based capital ratio | 15.3403% | 3,192 |
| Memoranda: | ||
| Average total assets | $1,444,120,000 | 569 |
| Average earning assets | $1,362,133,670 | 556 |
| Average equity | $153,758,330 | 606 |
| Average total loans | $1,084,865,000 | 537 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1347% | 4,046 |
| Cost of funding earning assets | 0.7517% | 2,782 |
| Net interest margin | 3.3830% | 3,931 |
| Noninterest income to average assets | 0.3787% | 3,330 |
| Noninterest expense to average assets | 2.4745% | 3,574 |
| Loan and lease loss provision to assets | 0.1263% | 1,388 |
| Net operating income to assets | 0.7347% | 3,824 |
| Return on assets (ROA) | 0.7363% | 3,869 |
| Pretax return on assets | 0.9687% | 3,548 |
| Return on Equity (ROE) | 6.9359% | 3,705 |
| Retained earnings to average equity (ytd only) | 5.3493% | 2,762 |
| Net charge-offs to loans | -0.0123% | 4,308 |
| Credit loss provision to net charge-offs | -1,363.6364% | 3,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0298% | 2,497 |
| Assets per employee ($millions) | 7.0881% | 964 |
| Cash dividends to net income (ytd only)* | 22.8746% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 3,587 |
| Loan loss allowance to noncurrent loans | 131.7226% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.5810% | 2,330 |
| Noncurrent loans to loans | 0.7739% | 2,099 |
| Net loans and leases to total assets | 74.3156% | 1,747 |
| Net loans and leases to deposits | 90.3121% | 1,588 |
| Net loans and leases to core deposits | 96.6319% | 1,889 |
| Total domestic deposits to total assets | 82.2875% | 3,650 |
| Equity capital to assets | 10.7214% | 3,140 |
| Core capital (leverage) ratio | 10.4489% | 3,112 |
| Tier 1 risk-based capital ratio | 14.3595% | 3,164 |
| Total risk-based capital ratio | 15.4517% | 3,165 |
| Memoranda: | ||
| Average total assets | $1,424,959,500 | 576 |
| Average earning assets | $1,343,177,500 | 561 |
| Average equity | $151,271,500 | 614 |
| Average total loans | $1,072,277,000 | 543 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0044% | 4,016 |
| Cost of funding earning assets | 0.6420% | 2,450 |
| Net interest margin | 3.3625% | 4,097 |
| Noninterest income to average assets | 0.5070% | 2,796 |
| Noninterest expense to average assets | 2.5545% | 3,455 |
| Loan and lease loss provision to assets | 0.1543% | 1,366 |
| Net operating income to assets | 0.7353% | 4,024 |
| Return on assets (ROA) | 0.7348% | 4,025 |
| Pretax return on assets | 0.9552% | 3,743 |
| Return on Equity (ROE) | 7.0172% | 3,813 |
| Retained earnings to average equity (ytd only) | 6.8091% | 1,747 |
| Net charge-offs to loans | 0.0088% | 3,378 |
| Credit loss provision to net charge-offs | 2,361.1111% | 194 |
| Earnings coverage of net charge-offs (x) | 169.8667% | 509 |
| Efficiency ratio | 69.3739% | 2,313 |
| Assets per employee ($millions) | 6.9516% | 996 |
| Cash dividends to net income (ytd only)* | 2.9644% | 3,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9794% | 3,813 |
| Loan loss allowance to noncurrent loans | 149.1315% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.4953% | 2,598 |
| Noncurrent loans to loans | 0.6567% | 2,352 |
| Net loans and leases to total assets | 74.6814% | 1,812 |
| Net loans and leases to deposits | 90.3463% | 1,751 |
| Net loans and leases to core deposits | 96.2805% | 2,041 |
| Total domestic deposits to total assets | 82.6613% | 3,435 |
| Equity capital to assets | 10.5093% | 3,182 |
| Core capital (leverage) ratio | 10.2999% | 3,245 |
| Tier 1 risk-based capital ratio | 14.4131% | 3,107 |
| Total risk-based capital ratio | 15.4772% | 3,117 |
| Memoranda: | ||
| Average total assets | $1,377,233,800 | 577 |
| Average earning assets | $1,293,312,000 | 562 |
| Average equity | $144,217,800 | 603 |
| Average total loans | $1,023,187,000 | 548 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9411% | 4,104 |
| Cost of funding earning assets | 0.6161% | 2,365 |
| Net interest margin | 3.3250% | 4,211 |
| Noninterest income to average assets | 0.3935% | 3,522 |
| Noninterest expense to average assets | 2.4950% | 3,613 |
| Loan and lease loss provision to assets | 0.1244% | 1,616 |
| Net operating income to assets | 0.6803% | 4,290 |
| Return on assets (ROA) | 0.6794% | 4,306 |
| Pretax return on assets | 0.8922% | 4,048 |
| Return on Equity (ROE) | 6.4943% | 4,107 |
| Retained earnings to average equity (ytd only) | 6.2146% | 2,542 |
| Net charge-offs to loans | 0.0146% | 2,898 |
| Credit loss provision to net charge-offs | 1,148.6486% | 362 |
| Earnings coverage of net charge-offs (x) | 94.0067% | 793 |
| Efficiency ratio | 70.6741% | 2,092 |
| Assets per employee ($millions) | 6.9998% | 933 |
| Cash dividends to net income (ytd only)* | 4.3066% | 3,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9200% | 4,185 |
| Loan loss allowance to noncurrent loans | 121.4006% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.5679% | 2,484 |
| Noncurrent loans to loans | 0.7578% | 2,192 |
| Net loans and leases to total assets | 74.2513% | 1,941 |
| Net loans and leases to deposits | 89.8861% | 1,917 |
| Net loans and leases to core deposits | 95.7668% | 2,140 |
| Total domestic deposits to total assets | 82.6060% | 3,429 |
| Equity capital to assets | 10.4083% | 3,227 |
| Core capital (leverage) ratio | 10.3222% | 3,267 |
| Tier 1 risk-based capital ratio | 14.4923% | 3,131 |
| Total risk-based capital ratio | 15.4974% | 3,164 |
| Memoranda: | ||
| Average total assets | $1,367,010,750 | 579 |
| Average earning assets | $1,282,455,500 | 565 |
| Average equity | $143,013,500 | 603 |
| Average total loans | $1,011,596,000 | 553 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9137% | 4,034 |
| Cost of funding earning assets | 0.5896% | 2,294 |
| Net interest margin | 3.3241% | 4,181 |
| Noninterest income to average assets | 0.3543% | 3,794 |
| Noninterest expense to average assets | 2.5347% | 3,537 |
| Loan and lease loss provision to assets | 0.1141% | 1,740 |
| Net operating income to assets | 0.5993% | 4,494 |
| Return on assets (ROA) | 0.6087% | 4,476 |
| Pretax return on assets | 0.8338% | 4,155 |
| Return on Equity (ROE) | 5.8079% | 4,304 |
| Retained earnings to average equity (ytd only) | 5.3865% | 2,884 |
| Net charge-offs to loans | -0.0004% | 3,858 |
| Credit loss provision to net charge-offs | -38,750.0000% | 4,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6710% | 1,891 |
| Assets per employee ($millions) | 6.9496% | 946 |
| Cash dividends to net income (ytd only)* | 7.2569% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8991% | 4,346 |
| Loan loss allowance to noncurrent loans | 158.9412% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.4193% | 3,047 |
| Noncurrent loans to loans | 0.5657% | 2,723 |
| Net loans and leases to total assets | 73.4613% | 2,045 |
| Net loans and leases to deposits | 90.3029% | 1,799 |
| Net loans and leases to core deposits | 95.6794% | 2,090 |
| Total domestic deposits to total assets | 81.3499% | 3,904 |
| Equity capital to assets | 10.3418% | 3,291 |
| Core capital (leverage) ratio | 10.2950% | 3,241 |
| Tier 1 risk-based capital ratio | 14.4694% | 3,132 |
| Total risk-based capital ratio | 15.4614% | 3,175 |
| Memoranda: | ||
| Average total assets | $1,358,360,670 | 582 |
| Average earning assets | $1,273,482,000 | 566 |
| Average equity | $142,356,670 | 599 |
| Average total loans | $1,000,829,330 | 559 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9626% | 3,746 |
| Cost of funding earning assets | 0.5542% | 2,368 |
| Net interest margin | 3.4084% | 3,857 |
| Noninterest income to average assets | 0.3150% | 4,047 |
| Noninterest expense to average assets | 2.5452% | 3,515 |
| Loan and lease loss provision to assets | 0.0891% | 2,020 |
| Net operating income to assets | 0.6364% | 4,319 |
| Return on assets (ROA) | 0.6570% | 4,263 |
| Pretax return on assets | 0.8998% | 3,851 |
| Return on Equity (ROE) | 6.2272% | 4,088 |
| Retained earnings to average equity (ytd only) | 5.3822% | 3,000 |
| Net charge-offs to loans | 0.0008% | 2,703 |
| Credit loss provision to net charge-offs | 15,000.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 1,620.0000% | 30 |
| Efficiency ratio | 72.1982% | 2,166 |
| Assets per employee ($millions) | 6.6725% | 1,106 |
| Cash dividends to net income (ytd only)* | 13.5685% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8786% | 4,537 |
| Loan loss allowance to noncurrent loans | 153.8380% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.4214% | 3,148 |
| Noncurrent loans to loans | 0.5711% | 2,830 |
| Net loans and leases to total assets | 73.1371% | 2,007 |
| Net loans and leases to deposits | 90.3964% | 1,643 |
| Net loans and leases to core deposits | 94.5190% | 2,095 |
| Total domestic deposits to total assets | 80.9072% | 4,226 |
| Equity capital to assets | 10.5180% | 3,060 |
| Core capital (leverage) ratio | 10.2605% | 3,230 |
| Tier 1 risk-based capital ratio | 14.5594% | 3,091 |
| Total risk-based capital ratio | 15.5228% | 3,161 |
| Memoranda: | ||
| Average total assets | $1,346,053,000 | 591 |
| Average earning assets | $1,260,995,500 | 578 |
| Average equity | $142,023,000 | 601 |
| Average total loans | $988,659,500 | 567 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6766% | 4,394 |
| Cost of funding earning assets | 0.5525% | 1,932 |
| Net interest margin | 3.1241% | 4,640 |
| Noninterest income to average assets | 0.3875% | 3,716 |
| Noninterest expense to average assets | 2.4465% | 3,948 |
| Loan and lease loss provision to assets | 0.0782% | 2,631 |
| Net operating income to assets | 0.3315% | 4,872 |
| Return on assets (ROA) | 0.3474% | 4,859 |
| Pretax return on assets | 0.8258% | 4,182 |
| Return on Equity (ROE) | 3.1576% | 4,788 |
| Retained earnings to average equity (ytd only) | 2.9138% | 3,563 |
| Net charge-offs to loans | 0.0137% | 3,618 |
| Credit loss provision to net charge-offs | 781.2500% | 432 |
| Earnings coverage of net charge-offs (x) | 87.7857% | 709 |
| Efficiency ratio | 73.5287% | 1,976 |
| Assets per employee ($millions) | 6.9651% | 982 |
| Cash dividends to net income (ytd only)* | 7.7200% | 3,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8588% | 4,636 |
| Loan loss allowance to noncurrent loans | 119.7163% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.5245% | 2,811 |
| Noncurrent loans to loans | 0.7173% | 2,411 |
| Net loans and leases to total assets | 72.4834% | 2,158 |
| Net loans and leases to deposits | 89.5509% | 1,829 |
| Net loans and leases to core deposits | 93.5957% | 2,233 |
| Total domestic deposits to total assets | 80.9410% | 4,130 |
| Equity capital to assets | 10.5842% | 3,070 |
| Core capital (leverage) ratio | 10.0252% | 3,423 |
| Tier 1 risk-based capital ratio | 14.7067% | 2,987 |
| Total risk-based capital ratio | 15.6361% | 3,059 |
| Memoranda: | ||
| Average total assets | $1,118,468,400 | 663 |
| Average earning assets | $1,051,844,200 | 644 |
| Average equity | $123,068,400 | 668 |
| Average total loans | $819,696,800 | 642 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6901% | 4,347 |
| Cost of funding earning assets | 0.5687% | 1,750 |
| Net interest margin | 3.1214% | 4,650 |
| Noninterest income to average assets | 0.3941% | 3,730 |
| Noninterest expense to average assets | 2.4219% | 3,959 |
| Loan and lease loss provision to assets | 0.0865% | 2,358 |
| Net operating income to assets | 0.5452% | 4,595 |
| Return on assets (ROA) | 0.5682% | 4,551 |
| Pretax return on assets | 0.8615% | 4,173 |
| Return on Equity (ROE) | 5.1025% | 4,493 |
| Retained earnings to average equity (ytd only) | 4.7643% | 3,041 |
| Net charge-offs to loans | 0.0043% | 3,578 |
| Credit loss provision to net charge-offs | 2,756.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 290.9418% | 312 |
| Efficiency ratio | 72.6208% | 2,114 |
| Assets per employee ($millions) | 6.6013% | 1,124 |
| Cash dividends to net income (ytd only)* | 6.6284% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0494% | 3,799 |
| Loan loss allowance to noncurrent loans | 163.1970% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.4809% | 3,128 |
| Noncurrent loans to loans | 0.6430% | 2,784 |
| Net loans and leases to total assets | 74.0038% | 1,918 |
| Net loans and leases to deposits | 92.7539% | 1,451 |
| Net loans and leases to core deposits | 97.4634% | 1,931 |
| Total domestic deposits to total assets | 79.7851% | 4,365 |
| Equity capital to assets | 11.3552% | 2,518 |
| Core capital (leverage) ratio | 11.0150% | 2,445 |
| Tier 1 risk-based capital ratio | 15.5576% | 2,687 |
| Total risk-based capital ratio | 16.6702% | 2,684 |
| Memoranda: | ||
| Average total assets | $1,062,020,500 | 699 |
| Average earning assets | $1,000,597,500 | 679 |
| Average equity | $118,265,750 | 697 |
| Average total loans | $778,919,750 | 674 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6672% | 4,324 |
| Cost of funding earning assets | 0.5705% | 1,646 |
| Net interest margin | 3.0968% | 4,695 |
| Noninterest income to average assets | 0.3886% | 3,759 |
| Noninterest expense to average assets | 2.4156% | 4,007 |
| Loan and lease loss provision to assets | 0.0872% | 2,237 |
| Net operating income to assets | 0.5370% | 4,585 |
| Return on assets (ROA) | 0.5675% | 4,492 |
| Pretax return on assets | 0.8476% | 4,103 |
| Return on Equity (ROE) | 5.1303% | 4,422 |
| Retained earnings to average equity (ytd only) | 4.6194% | 2,963 |
| Net charge-offs to loans | 0.0065% | 3,226 |
| Credit loss provision to net charge-offs | 1,852.0000% | 227 |
| Earnings coverage of net charge-offs (x) | 188.8400% | 429 |
| Efficiency ratio | 73.0920% | 2,172 |
| Assets per employee ($millions) | 6.4996% | 1,156 |
| Cash dividends to net income (ytd only)* | 9.9569% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0373% | 3,920 |
| Loan loss allowance to noncurrent loans | 143.2986% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.5281% | 3,006 |
| Noncurrent loans to loans | 0.7239% | 2,579 |
| Net loans and leases to total assets | 72.1917% | 2,172 |
| Net loans and leases to deposits | 91.3089% | 1,570 |
| Net loans and leases to core deposits | 96.1386% | 1,967 |
| Total domestic deposits to total assets | 79.0631% | 4,606 |
| Equity capital to assets | 11.1060% | 2,699 |
| Core capital (leverage) ratio | 10.9046% | 2,500 |
| Tier 1 risk-based capital ratio | 15.6933% | 2,620 |
| Total risk-based capital ratio | 16.7996% | 2,619 |
| Memoranda: | ||
| Average total assets | $1,061,759,330 | 702 |
| Average earning assets | $999,882,330 | 684 |
| Average equity | $117,460,000 | 705 |
| Average total loans | $773,607,670 | 681 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5668% | 4,505 |
| Cost of funding earning assets | 0.5656% | 1,616 |
| Net interest margin | 3.0012% | 4,890 |
| Noninterest income to average assets | 0.3669% | 3,909 |
| Noninterest expense to average assets | 2.3203% | 4,352 |
| Loan and lease loss provision to assets | 0.0356% | 3,078 |
| Net operating income to assets | 0.5577% | 4,339 |
| Return on assets (ROA) | 0.5801% | 4,280 |
| Pretax return on assets | 0.8671% | 3,877 |
| Return on Equity (ROE) | 5.2539% | 4,276 |
| Retained earnings to average equity (ytd only) | 4.2250% | 3,335 |
| Net charge-offs to loans | 0.0192% | 2,405 |
| Credit loss provision to net charge-offs | 254.0541% | 875 |
| Earnings coverage of net charge-offs (x) | 62.0541% | 788 |
| Efficiency ratio | 72.7445% | 2,448 |
| Assets per employee ($millions) | 6.4889% | 1,194 |
| Cash dividends to net income (ytd only)* | 19.5822% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 4,271 |
| Loan loss allowance to noncurrent loans | 136.1859% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.5304% | 3,109 |
| Noncurrent loans to loans | 0.7354% | 2,658 |
| Net loans and leases to total assets | 71.3992% | 2,152 |
| Net loans and leases to deposits | 89.8360% | 1,554 |
| Net loans and leases to core deposits | 94.5268% | 1,934 |
| Total domestic deposits to total assets | 79.4772% | 4,715 |
| Equity capital to assets | 10.9505% | 2,686 |
| Core capital (leverage) ratio | 10.9110% | 2,464 |
| Tier 1 risk-based capital ratio | 15.6679% | 2,678 |
| Total risk-based capital ratio | 16.7343% | 2,695 |
| Memoranda: | ||
| Average total assets | $1,056,425,500 | 707 |
| Average earning assets | $993,608,500 | 691 |
| Average equity | $116,638,000 | 709 |
| Average total loans | $769,252,500 | 684 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6064% | 4,492 |
| Cost of funding earning assets | 0.6518% | 1,045 |
| Net interest margin | 2.9546% | 5,045 |
| Noninterest income to average assets | 0.4652% | 3,450 |
| Noninterest expense to average assets | 2.5700% | 3,778 |
| Loan and lease loss provision to assets | 0.1052% | 2,292 |
| Net operating income to assets | 0.3953% | 4,958 |
| Return on assets (ROA) | 0.4253% | 4,943 |
| Pretax return on assets | 0.6123% | 4,751 |
| Return on Equity (ROE) | 3.8509% | 4,886 |
| Retained earnings to average equity (ytd only) | 3.5455% | 3,407 |
| Net charge-offs to loans | 0.0506% | 3,029 |
| Credit loss provision to net charge-offs | 289.6552% | 1,010 |
| Earnings coverage of net charge-offs (x) | 18.5517% | 1,965 |
| Efficiency ratio | 79.2247% | 1,520 |
| Assets per employee ($millions) | 6.1667% | 1,355 |
| Cash dividends to net income (ytd only)* | 7.9293% | 4,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 4,313 |
| Loan loss allowance to noncurrent loans | 125.6670% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.6687% | 2,704 |
| Noncurrent loans to loans | 0.7972% | 2,520 |
| Net loans and leases to total assets | 72.7939% | 2,042 |
| Net loans and leases to deposits | 92.4644% | 1,380 |
| Net loans and leases to core deposits | 97.8610% | 1,776 |
| Total domestic deposits to total assets | 78.7264% | 4,859 |
| Equity capital to assets | 11.1336% | 2,499 |
| Core capital (leverage) ratio | 10.6789% | 2,681 |
| Tier 1 risk-based capital ratio | 15.7155% | 2,666 |
| Total risk-based capital ratio | 16.7895% | 2,664 |
| Memoranda: | ||
| Average total assets | $1,037,790,000 | 693 |
| Average earning assets | $976,018,400 | 679 |
| Average equity | $114,622,600 | 701 |
| Average total loans | $745,222,000 | 669 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4921% | 4,830 |
| Cost of funding earning assets | 0.6568% | 1,018 |
| Net interest margin | 2.8352% | 5,295 |
| Noninterest income to average assets | 0.4890% | 3,329 |
| Noninterest expense to average assets | 2.5922% | 3,693 |
| Loan and lease loss provision to assets | 0.0707% | 2,801 |
| Net operating income to assets | 0.3533% | 5,156 |
| Return on assets (ROA) | 0.3928% | 5,132 |
| Pretax return on assets | 0.5520% | 4,998 |
| Return on Equity (ROE) | 3.5634% | 5,065 |
| Retained earnings to average equity (ytd only) | 3.1550% | 4,026 |
| Net charge-offs to loans | 0.0757% | 2,237 |
| Credit loss provision to net charge-offs | 130.9524% | 1,966 |
| Earnings coverage of net charge-offs (x) | 10.4999% | 2,567 |
| Efficiency ratio | 82.0476% | 1,183 |
| Assets per employee ($millions) | 6.2274% | 1,280 |
| Cash dividends to net income (ytd only)* | 11.4605% | 3,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9383% | 4,714 |
| Loan loss allowance to noncurrent loans | 73.6296% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 0.9986% | 2,075 |
| Noncurrent loans to loans | 1.2744% | 1,757 |
| Net loans and leases to total assets | 70.7227% | 2,386 |
| Net loans and leases to deposits | 92.8434% | 1,391 |
| Net loans and leases to core deposits | 98.6256% | 1,756 |
| Total domestic deposits to total assets | 76.1741% | 5,217 |
| Equity capital to assets | 11.0820% | 2,929 |
| Core capital (leverage) ratio | 10.6099% | 2,863 |
| Tier 1 risk-based capital ratio | 15.7385% | 2,731 |
| Total risk-based capital ratio | 16.7443% | 2,766 |
| Memoranda: | ||
| Average total assets | $1,036,693,500 | 694 |
| Average earning assets | $976,402,750 | 681 |
| Average equity | $114,270,250 | 706 |
| Average total loans | $739,948,000 | 677 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5231% | 4,804 |
| Cost of funding earning assets | 0.6617% | 982 |
| Net interest margin | 2.8614% | 5,329 |
| Noninterest income to average assets | 0.4572% | 3,474 |
| Noninterest expense to average assets | 2.7185% | 3,320 |
| Loan and lease loss provision to assets | 0.1069% | 2,074 |
| Net operating income to assets | 0.1931% | 5,537 |
| Return on assets (ROA) | 0.2159% | 5,554 |
| Pretax return on assets | 0.3591% | 5,407 |
| Return on Equity (ROE) | 1.9620% | 5,517 |
| Retained earnings to average equity (ytd only) | 1.3439% | 4,844 |
| Net charge-offs to loans | 0.1143% | 1,682 |
| Credit loss provision to net charge-offs | 130.9524% | 1,764 |
| Earnings coverage of net charge-offs (x) | 5.2738% | 2,876 |
| Efficiency ratio | 86.3331% | 851 |
| Assets per employee ($millions) | 5.9053% | 1,473 |
| Cash dividends to net income (ytd only)* | 31.5032% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9501% | 4,757 |
| Loan loss allowance to noncurrent loans | 83.3862% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 0.9088% | 2,342 |
| Noncurrent loans to loans | 1.1393% | 2,022 |
| Net loans and leases to total assets | 71.1414% | 2,309 |
| Net loans and leases to deposits | 93.4104% | 1,353 |
| Net loans and leases to core deposits | 99.4269% | 1,680 |
| Total domestic deposits to total assets | 76.1600% | 5,263 |
| Equity capital to assets | 11.0499% | 3,007 |
| Core capital (leverage) ratio | 10.7329% | 2,712 |
| Tier 1 risk-based capital ratio | 15.5590% | 2,837 |
| Total risk-based capital ratio | 16.5704% | 2,867 |
| Memoranda: | ||
| Average total assets | $1,029,372,670 | 698 |
| Average earning assets | $968,351,330 | 688 |
| Average equity | $113,253,670 | 713 |
| Average total loans | $734,663,330 | 680 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5232% | 4,836 |
| Cost of funding earning assets | 0.6762% | 911 |
| Net interest margin | 2.8470% | 5,401 |
| Noninterest income to average assets | 0.4838% | 3,233 |
| Noninterest expense to average assets | 2.5170% | 4,017 |
| Loan and lease loss provision to assets | 0.0781% | 2,398 |
| Net operating income to assets | 0.3343% | 5,197 |
| Return on assets (ROA) | 0.3670% | 5,168 |
| Pretax return on assets | 0.6146% | 4,772 |
| Return on Equity (ROE) | 3.3435% | 5,115 |
| Retained earnings to average equity (ytd only) | 2.0986% | 4,414 |
| Net charge-offs to loans | 0.2503% | 827 |
| Credit loss provision to net charge-offs | 43.8596% | 2,110 |
| Earnings coverage of net charge-offs (x) | 3.6031% | 2,521 |
| Efficiency ratio | 79.6885% | 1,650 |
| Assets per employee ($millions) | 6.1895% | 1,279 |
| Cash dividends to net income (ytd only)* | 37.2340% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9208% | 4,989 |
| Loan loss allowance to noncurrent loans | 81.6908% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 0.9170% | 2,402 |
| Noncurrent loans to loans | 1.1271% | 2,142 |
| Net loans and leases to total assets | 70.6582% | 2,242 |
| Net loans and leases to deposits | 94.3080% | 1,113 |
| Net loans and leases to core deposits | 99.3541% | 1,532 |
| Total domestic deposits to total assets | 74.9228% | 5,528 |
| Equity capital to assets | 11.1365% | 2,789 |
| Core capital (leverage) ratio | 10.7608% | 2,661 |
| Tier 1 risk-based capital ratio | 15.6996% | 2,824 |
| Total risk-based capital ratio | 16.6662% | 2,903 |
| Memoranda: | ||
| Average total assets | $1,024,394,500 | 703 |
| Average earning assets | $962,413,000 | 692 |
| Average equity | $112,458,000 | 716 |
| Average total loans | $728,752,500 | 685 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5074% | 4,900 |
| Cost of funding earning assets | 0.7167% | 756 |
| Net interest margin | 2.7907% | 5,533 |
| Noninterest income to average assets | 0.5279% | 3,151 |
| Noninterest expense to average assets | 2.6643% | 3,714 |
| Loan and lease loss provision to assets | 0.0538% | 3,237 |
| Net operating income to assets | 0.3006% | 5,361 |
| Return on assets (ROA) | 0.3037% | 5,430 |
| Pretax return on assets | 0.4261% | 5,269 |
| Return on Equity (ROE) | 2.8084% | 5,367 |
| Retained earnings to average equity (ytd only) | 2.6278% | 4,196 |
| Net charge-offs to loans | 0.0465% | 3,287 |
| Credit loss provision to net charge-offs | 163.0178% | 1,645 |
| Earnings coverage of net charge-offs (x) | 14.4024% | 2,301 |
| Efficiency ratio | 84.8538% | 1,106 |
| Assets per employee ($millions) | 6.3427% | 1,171 |
| Cash dividends to net income (ytd only)* | 6.4329% | 4,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9548% | 4,840 |
| Loan loss allowance to noncurrent loans | 76.8094% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 1.0288% | 2,139 |
| Noncurrent loans to loans | 1.2430% | 1,902 |
| Net loans and leases to total assets | 70.2884% | 2,322 |
| Net loans and leases to deposits | 96.1431% | 990 |
| Net loans and leases to core deposits | 101.1647% | 1,430 |
| Total domestic deposits to total assets | 73.1081% | 5,713 |
| Equity capital to assets | 10.8204% | 3,004 |
| Core capital (leverage) ratio | 10.6808% | 2,730 |
| Tier 1 risk-based capital ratio | 15.6008% | 2,882 |
| Total risk-based capital ratio | 16.6034% | 2,950 |
| Memoranda: | ||
| Average total assets | $1,023,627,200 | 672 |
| Average earning assets | $958,039,800 | 662 |
| Average equity | $110,702,000 | 692 |
| Average total loans | $727,135,800 | 640 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5060% | 4,970 |
| Cost of funding earning assets | 0.7339% | 702 |
| Net interest margin | 2.7721% | 5,627 |
| Noninterest income to average assets | 0.5312% | 3,158 |
| Noninterest expense to average assets | 2.6742% | 3,658 |
| Loan and lease loss provision to assets | 0.0718% | 2,739 |
| Net operating income to assets | 0.2697% | 5,536 |
| Return on assets (ROA) | 0.2741% | 5,606 |
| Pretax return on assets | 0.3842% | 5,492 |
| Return on Equity (ROE) | 2.5344% | 5,543 |
| Retained earnings to average equity (ytd only) | 2.2933% | 4,741 |
| Net charge-offs to loans | 0.0642% | 2,665 |
| Credit loss provision to net charge-offs | 157.4286% | 1,617 |
| Earnings coverage of net charge-offs (x) | 9.8599% | 2,653 |
| Efficiency ratio | 85.5980% | 1,036 |
| Assets per employee ($millions) | 6.2943% | 1,181 |
| Cash dividends to net income (ytd only)* | 9.5147% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9515% | 4,975 |
| Loan loss allowance to noncurrent loans | 61.8437% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 1.2080% | 1,954 |
| Noncurrent loans to loans | 1.5385% | 1,623 |
| Net loans and leases to total assets | 70.5182% | 2,312 |
| Net loans and leases to deposits | 97.3115% | 876 |
| Net loans and leases to core deposits | 102.4822% | 1,340 |
| Total domestic deposits to total assets | 72.4665% | 5,831 |
| Equity capital to assets | 10.8666% | 3,174 |
| Core capital (leverage) ratio | 10.4148% | 3,152 |
| Tier 1 risk-based capital ratio | 14.7134% | 3,431 |
| Total risk-based capital ratio | 15.6662% | 3,536 |
| Memoranda: | ||
| Average total assets | $1,022,654,000 | 677 |
| Average earning assets | $956,557,250 | 668 |
| Average equity | $110,582,000 | 694 |
| Average total loans | $726,622,500 | 645 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4885% | 5,018 |
| Cost of funding earning assets | 0.7451% | 666 |
| Net interest margin | 2.7434% | 5,718 |
| Noninterest income to average assets | 0.4797% | 3,504 |
| Noninterest expense to average assets | 2.6669% | 3,701 |
| Loan and lease loss provision to assets | 0.0995% | 2,164 |
| Net operating income to assets | 0.1944% | 5,704 |
| Return on assets (ROA) | 0.1897% | 5,783 |
| Pretax return on assets | 0.2698% | 5,710 |
| Return on Equity (ROE) | 1.7574% | 5,742 |
| Retained earnings to average equity (ytd only) | 1.3946% | 4,992 |
| Net charge-offs to loans | 0.0844% | 2,200 |
| Credit loss provision to net charge-offs | 166.0131% | 1,434 |
| Earnings coverage of net charge-offs (x) | 6.2745% | 2,805 |
| Efficiency ratio | 87.6464% | 931 |
| Assets per employee ($millions) | 6.4628% | 1,071 |
| Cash dividends to net income (ytd only)* | 20.6398% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9404% | 5,143 |
| Loan loss allowance to noncurrent loans | 62.5090% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 1.1512% | 2,205 |
| Noncurrent loans to loans | 1.5044% | 1,768 |
| Net loans and leases to total assets | 68.6644% | 2,541 |
| Net loans and leases to deposits | 94.8117% | 1,068 |
| Net loans and leases to core deposits | 99.6037% | 1,525 |
| Total domestic deposits to total assets | 72.4219% | 5,915 |
| Equity capital to assets | 10.3183% | 3,666 |
| Core capital (leverage) ratio | 10.5228% | 2,925 |
| Tier 1 risk-based capital ratio | 15.0889% | 3,307 |
| Total risk-based capital ratio | 16.0765% | 3,394 |
| Memoranda: | ||
| Average total assets | $1,021,546,000 | 684 |
| Average earning assets | $954,448,330 | 674 |
| Average equity | $110,279,670 | 701 |
| Average total loans | $725,346,330 | 646 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5617% | 4,797 |
| Cost of funding earning assets | 0.7601% | 620 |
| Net interest margin | 2.8016% | 5,634 |
| Noninterest income to average assets | 0.4940% | 3,322 |
| Noninterest expense to average assets | 2.7784% | 3,320 |
| Loan and lease loss provision to assets | 0.1189% | 1,741 |
| Net operating income to assets | 0.1492% | 5,792 |
| Return on assets (ROA) | 0.1409% | 5,879 |
| Pretax return on assets | 0.1998% | 5,826 |
| Return on Equity (ROE) | 1.2753% | 5,857 |
| Retained earnings to average equity (ytd only) | 0.5507% | 5,211 |
| Net charge-offs to loans | 0.1576% | 1,319 |
| Credit loss provision to net charge-offs | 104.9470% | 1,563 |
| Earnings coverage of net charge-offs (x) | 2.9152% | 2,681 |
| Efficiency ratio | 89.3754% | 901 |
| Assets per employee ($millions) | 5.8847% | 1,481 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9382% | 5,300 |
| Loan loss allowance to noncurrent loans | 52.8772% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 1.6350% | 1,557 |
| Noncurrent loans to loans | 1.7744% | 1,535 |
| Net loans and leases to total assets | 70.9608% | 1,986 |
| Net loans and leases to deposits | 101.1692% | 499 |
| Net loans and leases to core deposits | 106.7913% | 892 |
| Total domestic deposits to total assets | 70.1407% | 6,125 |
| Equity capital to assets | 11.0156% | 2,950 |
| Core capital (leverage) ratio | 10.6185% | 2,832 |
| Tier 1 risk-based capital ratio | 15.3409% | 3,238 |
| Total risk-based capital ratio | 16.3236% | 3,310 |
| Memoranda: | ||
| Average total assets | $999,142,000 | 693 |
| Average earning assets | $932,464,500 | 686 |
| Average equity | $110,404,500 | 696 |
| Average total loans | $718,441,000 | 650 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6595% | 4,909 |
| Cost of funding earning assets | 0.7909% | 677 |
| Net interest margin | 2.8686% | 5,699 |
| Noninterest income to average assets | 0.5021% | 3,491 |
| Noninterest expense to average assets | 2.7633% | 3,619 |
| Loan and lease loss provision to assets | 0.0397% | 3,780 |
| Net operating income to assets | 0.3051% | 5,502 |
| Return on assets (ROA) | 0.3230% | 5,528 |
| Pretax return on assets | 0.3967% | 5,497 |
| Return on Equity (ROE) | 3.0161% | 5,472 |
| Retained earnings to average equity (ytd only) | 2.7826% | 4,260 |
| Net charge-offs to loans | 0.0274% | 4,271 |
| Credit loss provision to net charge-offs | 201.5228% | 1,219 |
| Earnings coverage of net charge-offs (x) | 21.0254% | 1,699 |
| Efficiency ratio | 86.9625% | 1,081 |
| Assets per employee ($millions) | 5.8012% | 1,523 |
| Cash dividends to net income (ytd only)* | 7.7423% | 4,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 5,318 |
| Loan loss allowance to noncurrent loans | 53.6956% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 1.6218% | 1,664 |
| Noncurrent loans to loans | 1.7553% | 1,644 |
| Net loans and leases to total assets | 71.5023% | 1,992 |
| Net loans and leases to deposits | 101.7088% | 530 |
| Net loans and leases to core deposits | 107.5007% | 931 |
| Total domestic deposits to total assets | 70.3010% | 6,181 |
| Equity capital to assets | 11.0848% | 2,823 |
| Core capital (leverage) ratio | 10.7012% | 2,719 |
| Tier 1 risk-based capital ratio | 14.5394% | 3,751 |
| Total risk-based capital ratio | 15.4701% | 3,882 |
| Memoranda: | ||
| Average total assets | $999,830,000 | 679 |
| Average earning assets | $932,503,800 | 658 |
| Average equity | $107,059,000 | 684 |
| Average total loans | $717,735,400 | 606 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6779% | 4,918 |
| Cost of funding earning assets | 0.7943% | 705 |
| Net interest margin | 2.8835% | 5,736 |
| Noninterest income to average assets | 0.5063% | 3,504 |
| Noninterest expense to average assets | 2.8475% | 3,296 |
| Loan and lease loss provision to assets | 0.0528% | 3,319 |
| Net operating income to assets | 0.2593% | 5,713 |
| Return on assets (ROA) | 0.2758% | 5,725 |
| Pretax return on assets | 0.3148% | 5,749 |
| Return on Equity (ROE) | 2.5981% | 5,681 |
| Retained earnings to average equity (ytd only) | 2.2846% | 4,919 |
| Net charge-offs to loans | 0.0366% | 3,756 |
| Credit loss provision to net charge-offs | 201.5228% | 1,256 |
| Earnings coverage of net charge-offs (x) | 13.3046% | 2,241 |
| Efficiency ratio | 89.0864% | 921 |
| Assets per employee ($millions) | 5.8984% | 1,406 |
| Cash dividends to net income (ytd only)* | 12.0658% | 3,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9379% | 5,474 |
| Loan loss allowance to noncurrent loans | 52.2611% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 1.6485% | 1,838 |
| Noncurrent loans to loans | 1.7947% | 1,806 |
| Net loans and leases to total assets | 71.5078% | 1,936 |
| Net loans and leases to deposits | 104.0337% | 405 |
| Net loans and leases to core deposits | 110.1311% | 741 |
| Total domestic deposits to total assets | 68.7352% | 6,321 |
| Equity capital to assets | 10.8726% | 3,098 |
| Core capital (leverage) ratio | 10.4522% | 3,100 |
| Tier 1 risk-based capital ratio | 14.3844% | 3,958 |
| Total risk-based capital ratio | 15.3155% | 4,106 |
| Memoranda: | ||
| Average total assets | $1,001,785,750 | 672 |
| Average earning assets | $934,580,500 | 656 |
| Average equity | $106,333,250 | 687 |
| Average total loans | $718,155,000 | 605 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6708% | 4,946 |
| Cost of funding earning assets | 0.7857% | 770 |
| Net interest margin | 2.8851% | 5,758 |
| Noninterest income to average assets | 0.4873% | 3,576 |
| Noninterest expense to average assets | 2.8701% | 3,268 |
| Loan and lease loss provision to assets | 0.0791% | 2,705 |
| Net operating income to assets | 0.1635% | 5,924 |
| Return on assets (ROA) | 0.1810% | 5,935 |
| Pretax return on assets | 0.2527% | 5,866 |
| Return on Equity (ROE) | 1.7189% | 5,906 |
| Retained earnings to average equity (ytd only) | 1.2456% | 5,253 |
| Net charge-offs to loans | 0.0401% | 3,429 |
| Credit loss provision to net charge-offs | 275.6944% | 920 |
| Earnings coverage of net charge-offs (x) | 10.7153% | 2,223 |
| Efficiency ratio | 90.3218% | 892 |
| Assets per employee ($millions) | 5.6691% | 1,549 |
| Cash dividends to net income (ytd only)* | 27.5330% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9380% | 5,606 |
| Loan loss allowance to noncurrent loans | 54.0915% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 1.6118% | 2,034 |
| Noncurrent loans to loans | 1.7341% | 1,990 |
| Net loans and leases to total assets | 71.1870% | 1,888 |
| Net loans and leases to deposits | 104.5818% | 344 |
| Net loans and leases to core deposits | 110.2099% | 688 |
| Total domestic deposits to total assets | 68.0682% | 6,422 |
| Equity capital to assets | 10.6257% | 3,277 |
| Core capital (leverage) ratio | 10.3631% | 3,123 |
| Tier 1 risk-based capital ratio | 14.1052% | 4,191 |
| Total risk-based capital ratio | 15.0357% | 4,350 |
| Memoranda: | ||
| Average total assets | $1,003,438,670 | 669 |
| Average earning assets | $935,713,330 | 654 |
| Average equity | $105,650,670 | 691 |
| Average total loans | $717,687,330 | 603 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6839% | 4,903 |
| Cost of funding earning assets | 0.7786% | 839 |
| Net interest margin | 2.9052% | 5,739 |
| Noninterest income to average assets | 0.4829% | 3,546 |
| Noninterest expense to average assets | 3.0294% | 2,772 |
| Loan and lease loss provision to assets | 0.1271% | 1,912 |
| Net operating income to assets | 0.0307% | 6,163 |
| Return on assets (ROA) | 0.0600% | 6,130 |
| Pretax return on assets | 0.0688% | 6,125 |
| Return on Equity (ROE) | 0.5722% | 6,126 |
| Retained earnings to average equity (ytd only) | -0.3814% | 5,621 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9148% | 699 |
| Assets per employee ($millions) | 5.5204% | 1,690 |
| Cash dividends to net income (ytd only)* | 166.6667% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9619% | 5,657 |
| Loan loss allowance to noncurrent loans | 55.1965% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 1.6432% | 2,150 |
| Noncurrent loans to loans | 1.7428% | 2,221 |
| Net loans and leases to total assets | 70.7567% | 1,765 |
| Net loans and leases to deposits | 104.0719% | 289 |
| Net loans and leases to core deposits | 109.5058% | 607 |
| Total domestic deposits to total assets | 67.9883% | 6,516 |
| Equity capital to assets | 10.5380% | 3,213 |
| Core capital (leverage) ratio | 10.3182% | 3,153 |
| Tier 1 risk-based capital ratio | 13.9850% | 4,345 |
| Total risk-based capital ratio | 14.9233% | 4,512 |
| Memoranda: | ||
| Average total assets | $1,000,608,500 | 676 |
| Average earning assets | $932,936,500 | 661 |
| Average equity | $104,864,000 | 695 |
| Average total loans | $713,956,500 | 608 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8193% | 4,745 |
| Cost of funding earning assets | 0.8290% | 1,043 |
| Net interest margin | 2.9903% | 5,600 |
| Noninterest income to average assets | 0.5572% | 3,357 |
| Noninterest expense to average assets | 2.7068% | 4,073 |
| Loan and lease loss provision to assets | 0.0503% | 4,131 |
| Net operating income to assets | 0.3975% | 5,151 |
| Return on assets (ROA) | 0.4918% | 4,905 |
| Pretax return on assets | 0.7202% | 4,460 |
| Return on Equity (ROE) | 4.7218% | 4,763 |
| Retained earnings to average equity (ytd only) | 4.4811% | 2,987 |
| Net charge-offs to loans | 0.0443% | 4,600 |
| Credit loss provision to net charge-offs | 161.9355% | 1,418 |
| Earnings coverage of net charge-offs (x) | 20.3290% | 1,553 |
| Efficiency ratio | 81.0745% | 2,015 |
| Assets per employee ($millions) | 5.5668% | 1,594 |
| Cash dividends to net income (ytd only)* | 5.0968% | 4,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9172% | 5,870 |
| Loan loss allowance to noncurrent loans | 44.2530% | 5,488 |
| Noncurrent assets plus other real estate owned to assets | 1.8784% | 1,939 |
| Noncurrent loans to loans | 2.0725% | 1,914 |
| Net loans and leases to total assets | 70.6072% | 1,919 |
| Net loans and leases to deposits | 105.6626% | 270 |
| Net loans and leases to core deposits | 110.7387% | 584 |
| Total domestic deposits to total assets | 66.8232% | 6,616 |
| Equity capital to assets | 10.4222% | 3,260 |
| Core capital (leverage) ratio | 10.2391% | 3,235 |
| Tier 1 risk-based capital ratio | 13.9347% | 4,336 |
| Total risk-based capital ratio | 14.8255% | 4,545 |
| Memoranda: | ||
| Average total assets | $997,389,400 | 656 |
| Average earning assets | $927,746,400 | 640 |
| Average equity | $103,879,800 | 684 |
| Average total loans | $699,862,600 | 599 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7894% | 4,894 |
| Cost of funding earning assets | 0.8437% | 1,078 |
| Net interest margin | 2.9457% | 5,705 |
| Noninterest income to average assets | 0.5258% | 3,626 |
| Noninterest expense to average assets | 2.8323% | 3,549 |
| Loan and lease loss provision to assets | 0.0302% | 4,399 |
| Net operating income to assets | 0.2754% | 5,690 |
| Return on assets (ROA) | 0.4435% | 5,192 |
| Pretax return on assets | 0.6452% | 4,866 |
| Return on Equity (ROE) | 4.2592% | 5,093 |
| Retained earnings to average equity (ytd only) | 3.9379% | 3,887 |
| Net charge-offs to loans | 0.0494% | 4,199 |
| Credit loss provision to net charge-offs | 87.5969% | 2,677 |
| Earnings coverage of net charge-offs (x) | 12.5039% | 2,130 |
| Efficiency ratio | 86.7727% | 1,290 |
| Assets per employee ($millions) | 6.0171% | 1,233 |
| Cash dividends to net income (ytd only)* | 7.5439% | 3,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8896% | 6,079 |
| Loan loss allowance to noncurrent loans | 42.0015% | 5,560 |
| Noncurrent assets plus other real estate owned to assets | 1.8689% | 2,176 |
| Noncurrent loans to loans | 2.1181% | 2,106 |
| Net loans and leases to total assets | 69.7055% | 2,015 |
| Net loans and leases to deposits | 104.2330% | 287 |
| Net loans and leases to core deposits | 109.3124% | 608 |
| Total domestic deposits to total assets | 66.8747% | 6,687 |
| Equity capital to assets | 10.2610% | 3,562 |
| Core capital (leverage) ratio | 10.1521% | 3,462 |
| Tier 1 risk-based capital ratio | 13.7308% | 4,610 |
| Total risk-based capital ratio | 14.5920% | 4,812 |
| Memoranda: | ||
| Average total assets | $996,230,750 | 662 |
| Average earning assets | $926,078,750 | 646 |
| Average equity | $103,741,500 | 692 |
| Average total loans | $696,315,750 | 602 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7154% | 5,099 |
| Cost of funding earning assets | 0.8692% | 1,040 |
| Net interest margin | 2.8462% | 5,908 |
| Noninterest income to average assets | 0.5336% | 3,616 |
| Noninterest expense to average assets | 2.8511% | 3,509 |
| Loan and lease loss provision to assets | 0.0282% | 4,365 |
| Net operating income to assets | 0.1996% | 5,890 |
| Return on assets (ROA) | 0.3801% | 5,459 |
| Pretax return on assets | 0.5635% | 5,155 |
| Return on Equity (ROE) | 3.6319% | 5,369 |
| Retained earnings to average equity (ytd only) | 3.1500% | 4,316 |
| Net charge-offs to loans | 0.0596% | 3,851 |
| Credit loss provision to net charge-offs | 67.9612% | 2,872 |
| Earnings coverage of net charge-offs (x) | 7.7573% | 2,504 |
| Efficiency ratio | 89.8411% | 1,060 |
| Assets per employee ($millions) | 6.2064% | 1,070 |
| Cash dividends to net income (ytd only)* | 13.2696% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8956% | 6,144 |
| Loan loss allowance to noncurrent loans | 38.4066% | 5,701 |
| Noncurrent assets plus other real estate owned to assets | 1.9876% | 2,161 |
| Noncurrent loans to loans | 2.3319% | 2,023 |
| Net loans and leases to total assets | 69.2365% | 2,027 |
| Net loans and leases to deposits | 101.3291% | 362 |
| Net loans and leases to core deposits | 106.4212% | 720 |
| Total domestic deposits to total assets | 68.3284% | 6,707 |
| Equity capital to assets | 10.1370% | 3,740 |
| Core capital (leverage) ratio | 10.2450% | 3,170 |
| Tier 1 risk-based capital ratio | 13.5538% | 4,740 |
| Total risk-based capital ratio | 14.4114% | 4,961 |
| Memoranda: | ||
| Average total assets | $991,351,000 | 663 |
| Average earning assets | $919,466,000 | 649 |
| Average equity | $103,747,000 | 691 |
| Average total loans | $691,435,330 | 604 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7408% | 5,019 |
| Cost of funding earning assets | 0.9160% | 909 |
| Net interest margin | 2.8248% | 5,984 |
| Noninterest income to average assets | 0.5206% | 3,628 |
| Noninterest expense to average assets | 2.7451% | 3,902 |
| Loan and lease loss provision to assets | 0.0203% | 4,216 |
| Net operating income to assets | 0.2464% | 5,737 |
| Return on assets (ROA) | 0.4125% | 5,232 |
| Pretax return on assets | 0.6100% | 4,912 |
| Return on Equity (ROE) | 3.8792% | 5,158 |
| Retained earnings to average equity (ytd only) | 2.9238% | 4,527 |
| Net charge-offs to loans | 0.1050% | 2,822 |
| Credit loss provision to net charge-offs | 27.7778% | 2,918 |
| Earnings coverage of net charge-offs (x) | 5.2778% | 2,385 |
| Efficiency ratio | 87.6703% | 1,357 |
| Assets per employee ($millions) | 6.1865% | 1,142 |
| Cash dividends to net income (ytd only)* | 24.6305% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9041% | 6,250 |
| Loan loss allowance to noncurrent loans | 36.5756% | 5,751 |
| Noncurrent assets plus other real estate owned to assets | 2.1701% | 2,154 |
| Noncurrent loans to loans | 2.4719% | 2,087 |
| Net loans and leases to total assets | 68.9506% | 1,851 |
| Net loans and leases to deposits | 98.1255% | 435 |
| Net loans and leases to core deposits | 103.2011% | 753 |
| Total domestic deposits to total assets | 70.2678% | 6,751 |
| Equity capital to assets | 10.5779% | 3,453 |
| Core capital (leverage) ratio | 10.1560% | 3,207 |
| Tier 1 risk-based capital ratio | 13.6128% | 4,784 |
| Total risk-based capital ratio | 14.4730% | 5,011 |
| Memoranda: | ||
| Average total assets | $984,305,000 | 673 |
| Average earning assets | $909,655,500 | 662 |
| Average equity | $104,659,500 | 692 |
| Average total loans | $685,940,500 | 611 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1349% | 4,824 |
| Cost of funding earning assets | 1.1045% | 893 |
| Net interest margin | 3.0304% | 5,978 |
| Noninterest income to average assets | 0.5826% | 3,381 |
| Noninterest expense to average assets | 2.5374% | 4,971 |
| Loan and lease loss provision to assets | 0.1883% | 3,288 |
| Net operating income to assets | 0.4456% | 4,900 |
| Return on assets (ROA) | 0.5278% | 4,836 |
| Pretax return on assets | 0.7722% | 4,400 |
| Return on Equity (ROE) | 5.0224% | 4,669 |
| Retained earnings to average equity (ytd only) | 5.0224% | 2,687 |
| Net charge-offs to loans | 0.1449% | 4,243 |
| Credit loss provision to net charge-offs | 185.5691% | 1,412 |
| Earnings coverage of net charge-offs (x) | 8.2734% | 2,438 |
| Efficiency ratio | 75.1367% | 2,890 |
| Assets per employee ($millions) | 5.8962% | 1,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9305% | 6,193 |
| Loan loss allowance to noncurrent loans | 38.6467% | 5,687 |
| Noncurrent assets plus other real estate owned to assets | 2.1400% | 2,284 |
| Noncurrent loans to loans | 2.4078% | 2,218 |
| Net loans and leases to total assets | 69.1477% | 2,007 |
| Net loans and leases to deposits | 99.1271% | 454 |
| Net loans and leases to core deposits | 104.4630% | 762 |
| Total domestic deposits to total assets | 69.7566% | 6,794 |
| Equity capital to assets | 10.6884% | 3,298 |
| Core capital (leverage) ratio | 10.1116% | 3,261 |
| Tier 1 risk-based capital ratio | 13.5759% | 4,694 |
| Total risk-based capital ratio | 14.4585% | 4,897 |
| Memoranda: | ||
| Average total assets | $969,573,800 | 674 |
| Average earning assets | $894,064,000 | 660 |
| Average equity | $101,882,800 | 699 |
| Average total loans | $678,874,000 | 611 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1537% | 4,972 |
| Cost of funding earning assets | 1.1123% | 1,016 |
| Net interest margin | 3.0415% | 6,080 |
| Noninterest income to average assets | 0.5884% | 3,354 |
| Noninterest expense to average assets | 2.6192% | 4,675 |
| Loan and lease loss provision to assets | 0.2469% | 2,588 |
| Net operating income to assets | 0.3487% | 5,436 |
| Return on assets (ROA) | 0.4281% | 5,364 |
| Pretax return on assets | 0.6534% | 4,997 |
| Return on Equity (ROE) | 4.0921% | 5,254 |
| Retained earnings to average equity (ytd only) | 4.0921% | 4,017 |
| Net charge-offs to loans | 0.1894% | 3,602 |
| Credit loss provision to net charge-offs | 185.9813% | 1,490 |
| Earnings coverage of net charge-offs (x) | 5.8754% | 2,906 |
| Efficiency ratio | 77.0560% | 2,513 |
| Assets per employee ($millions) | 5.8382% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9339% | 6,287 |
| Loan loss allowance to noncurrent loans | 39.3364% | 5,676 |
| Noncurrent assets plus other real estate owned to assets | 2.1615% | 2,476 |
| Noncurrent loans to loans | 2.3741% | 2,430 |
| Net loans and leases to total assets | 69.0130% | 2,111 |
| Net loans and leases to deposits | 99.1690% | 485 |
| Net loans and leases to core deposits | 104.4044% | 850 |
| Total domestic deposits to total assets | 69.5913% | 6,862 |
| Equity capital to assets | 10.6164% | 3,712 |
| Core capital (leverage) ratio | 9.8926% | 3,696 |
| Tier 1 risk-based capital ratio | 13.3159% | 5,009 |
| Total risk-based capital ratio | 14.2060% | 5,250 |
| Memoranda: | ||
| Average total assets | $967,276,000 | 686 |
| Average earning assets | $893,892,000 | 669 |
| Average equity | $101,200,000 | 704 |
| Average total loans | $677,805,000 | 609 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2027% | 4,942 |
| Cost of funding earning assets | 1.1194% | 1,131 |
| Net interest margin | 3.0833% | 6,052 |
| Noninterest income to average assets | 0.5743% | 3,416 |
| Noninterest expense to average assets | 2.5533% | 4,947 |
| Loan and lease loss provision to assets | 0.2894% | 2,267 |
| Net operating income to assets | 0.3866% | 5,262 |
| Return on assets (ROA) | 0.4673% | 5,207 |
| Pretax return on assets | 0.7113% | 4,799 |
| Return on Equity (ROE) | 4.4887% | 5,044 |
| Retained earnings to average equity (ytd only) | 4.4887% | 3,617 |
| Net charge-offs to loans | 0.2179% | 3,268 |
| Credit loss provision to net charge-offs | 189.1599% | 1,496 |
| Earnings coverage of net charge-offs (x) | 5.7412% | 2,763 |
| Efficiency ratio | 74.4034% | 3,009 |
| Assets per employee ($millions) | 5.7324% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9014% | 6,448 |
| Loan loss allowance to noncurrent loans | 38.5427% | 5,733 |
| Noncurrent assets plus other real estate owned to assets | 2.1513% | 2,610 |
| Noncurrent loans to loans | 2.3387% | 2,562 |
| Net loans and leases to total assets | 69.6415% | 1,978 |
| Net loans and leases to deposits | 101.1077% | 378 |
| Net loans and leases to core deposits | 106.5438% | 715 |
| Total domestic deposits to total assets | 68.8785% | 6,956 |
| Equity capital to assets | 10.4233% | 3,780 |
| Core capital (leverage) ratio | 9.6986% | 3,837 |
| Tier 1 risk-based capital ratio | 13.0826% | 5,126 |
| Total risk-based capital ratio | 13.9465% | 5,391 |
| Memoranda: | ||
| Average total assets | $964,710,330 | 689 |
| Average earning assets | $894,046,670 | 667 |
| Average equity | $100,431,000 | 711 |
| Average total loans | $677,339,670 | 615 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2188% | 5,043 |
| Cost of funding earning assets | 1.1556% | 1,155 |
| Net interest margin | 3.0632% | 6,148 |
| Noninterest income to average assets | 0.5184% | 3,788 |
| Noninterest expense to average assets | 2.7347% | 4,298 |
| Loan and lease loss provision to assets | 0.4434% | 1,405 |
| Net operating income to assets | 0.1330% | 6,168 |
| Return on assets (ROA) | 0.3855% | 5,499 |
| Pretax return on assets | 0.5297% | 5,334 |
| Return on Equity (ROE) | 3.7052% | 5,425 |
| Retained earnings to average equity (ytd only) | 3.7052% | 4,363 |
| Net charge-offs to loans | 0.3266% | 2,342 |
| Credit loss provision to net charge-offs | 193.4545% | 1,370 |
| Earnings coverage of net charge-offs (x) | 2.7364% | 3,087 |
| Efficiency ratio | 81.3437% | 2,036 |
| Assets per employee ($millions) | 5.4451% | 1,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8725% | 6,605 |
| Loan loss allowance to noncurrent loans | 37.4868% | 5,770 |
| Noncurrent assets plus other real estate owned to assets | 2.1360% | 2,744 |
| Noncurrent loans to loans | 2.3275% | 2,780 |
| Net loans and leases to total assets | 70.6703% | 1,638 |
| Net loans and leases to deposits | 102.6142% | 290 |
| Net loans and leases to core deposits | 108.0844% | 607 |
| Total domestic deposits to total assets | 68.8699% | 7,027 |
| Equity capital to assets | 10.3399% | 3,685 |
| Core capital (leverage) ratio | 9.7032% | 3,765 |
| Tier 1 risk-based capital ratio | 12.8534% | 5,319 |
| Total risk-based capital ratio | 13.6949% | 5,614 |
| Memoranda: | ||
| Average total assets | $959,809,000 | 695 |
| Average earning assets | $890,955,000 | 671 |
| Average equity | $99,858,500 | 716 |
| Average total loans | $673,590,500 | 620 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3409% | 5,631 |
| Cost of funding earning assets | 1.2989% | 1,491 |
| Net interest margin | 3.0420% | 6,461 |
| Noninterest income to average assets | 0.5510% | 3,499 |
| Noninterest expense to average assets | 2.6738% | 4,843 |
| Loan and lease loss provision to assets | 0.1709% | 4,498 |
| Net operating income to assets | 0.3995% | 4,868 |
| Return on assets (ROA) | 0.5636% | 4,362 |
| Pretax return on assets | 0.7622% | 4,110 |
| Return on Equity (ROE) | 5.6387% | 4,060 |
| Retained earnings to average equity (ytd only) | 5.6387% | 2,216 |
| Net charge-offs to loans | 0.3127% | 3,835 |
| Credit loss provision to net charge-offs | 83.5645% | 4,297 |
| Earnings coverage of net charge-offs (x) | 3.4777% | 3,506 |
| Efficiency ratio | 78.9890% | 2,451 |
| Assets per employee ($millions) | 5.2219% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8405% | 6,667 |
| Loan loss allowance to noncurrent loans | 31.6427% | 6,099 |
| Noncurrent assets plus other real estate owned to assets | 2.3513% | 2,573 |
| Noncurrent loans to loans | 2.6561% | 2,448 |
| Net loans and leases to total assets | 68.4646% | 2,313 |
| Net loans and leases to deposits | 98.3527% | 537 |
| Net loans and leases to core deposits | 102.6476% | 986 |
| Total domestic deposits to total assets | 69.6113% | 7,005 |
| Equity capital to assets | 10.4694% | 3,568 |
| Core capital (leverage) ratio | 9.6587% | 3,796 |
| Tier 1 risk-based capital ratio | 13.5182% | 4,682 |
| Total risk-based capital ratio | 14.3338% | 4,974 |
| Memoranda: | ||
| Average total assets | $952,024,200 | 685 |
| Average earning assets | $886,917,800 | 665 |
| Average equity | $95,163,800 | 720 |
| Average total loans | $622,717,800 | 669 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3372% | 5,825 |
| Cost of funding earning assets | 1.3155% | 1,619 |
| Net interest margin | 3.0217% | 6,543 |
| Noninterest income to average assets | 0.5759% | 3,329 |
| Noninterest expense to average assets | 2.7662% | 4,478 |
| Loan and lease loss provision to assets | 0.2201% | 3,814 |
| Net operating income to assets | 0.2959% | 5,408 |
| Return on assets (ROA) | 0.4893% | 4,776 |
| Pretax return on assets | 0.6722% | 4,573 |
| Return on Equity (ROE) | 4.9531% | 4,555 |
| Retained earnings to average equity (ytd only) | 4.9531% | 3,206 |
| Net charge-offs to loans | 0.4280% | 3,004 |
| Credit loss provision to net charge-offs | 79.7160% | 4,149 |
| Earnings coverage of net charge-offs (x) | 2.2728% | 3,994 |
| Efficiency ratio | 81.5114% | 2,039 |
| Assets per employee ($millions) | 5.3531% | 1,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8424% | 6,734 |
| Loan loss allowance to noncurrent loans | 29.8430% | 6,263 |
| Noncurrent assets plus other real estate owned to assets | 2.4219% | 2,662 |
| Noncurrent loans to loans | 2.8229% | 2,466 |
| Net loans and leases to total assets | 66.7608% | 2,726 |
| Net loans and leases to deposits | 96.0162% | 696 |
| Net loans and leases to core deposits | 99.9302% | 1,249 |
| Total domestic deposits to total assets | 69.5307% | 7,059 |
| Equity capital to assets | 10.1939% | 4,092 |
| Core capital (leverage) ratio | 9.4762% | 4,182 |
| Tier 1 risk-based capital ratio | 13.3512% | 4,835 |
| Total risk-based capital ratio | 14.1586% | 5,144 |
| Memoranda: | ||
| Average total assets | $952,433,250 | 694 |
| Average earning assets | $888,131,000 | 672 |
| Average equity | $94,079,750 | 731 |
| Average total loans | $614,348,750 | 685 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2920% | 6,045 |
| Cost of funding earning assets | 1.3317% | 1,752 |
| Net interest margin | 2.9603% | 6,676 |
| Noninterest income to average assets | 0.4930% | 3,924 |
| Noninterest expense to average assets | 2.7892% | 4,470 |
| Loan and lease loss provision to assets | 0.1580% | 4,342 |
| Net operating income to assets | 0.2393% | 5,597 |
| Return on assets (ROA) | 0.4551% | 4,831 |
| Pretax return on assets | 0.5854% | 4,788 |
| Return on Equity (ROE) | 4.6576% | 4,613 |
| Retained earnings to average equity (ytd only) | 4.6576% | 3,218 |
| Net charge-offs to loans | 0.4612% | 2,735 |
| Credit loss provision to net charge-offs | 53.9124% | 4,490 |
| Earnings coverage of net charge-offs (x) | 1.5922% | 4,093 |
| Efficiency ratio | 85.6663% | 1,634 |
| Assets per employee ($millions) | 5.2791% | 1,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8427% | 6,790 |
| Loan loss allowance to noncurrent loans | 22.2532% | 6,641 |
| Noncurrent assets plus other real estate owned to assets | 2.4588% | 2,708 |
| Noncurrent loans to loans | 3.7868% | 1,847 |
| Net loans and leases to total assets | 63.9498% | 3,472 |
| Net loans and leases to deposits | 91.2982% | 1,131 |
| Net loans and leases to core deposits | 95.0971% | 1,778 |
| Total domestic deposits to total assets | 70.0450% | 7,108 |
| Equity capital to assets | 9.9124% | 4,262 |
| Core capital (leverage) ratio | 9.1866% | 4,436 |
| Tier 1 risk-based capital ratio | 13.2429% | 4,734 |
| Total risk-based capital ratio | 14.0323% | 5,079 |
| Memoranda: | ||
| Average total assets | $950,507,330 | 707 |
| Average earning assets | $887,142,000 | 681 |
| Average equity | $92,880,000 | 736 |
| Average total loans | $604,083,670 | 711 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1836% | 6,316 |
| Cost of funding earning assets | 1.3477% | 1,898 |
| Net interest margin | 2.8359% | 6,858 |
| Noninterest income to average assets | 0.5561% | 3,466 |
| Noninterest expense to average assets | 2.8266% | 4,346 |
| Loan and lease loss provision to assets | 0.0802% | 5,006 |
| Net operating income to assets | 0.2005% | 5,782 |
| Return on assets (ROA) | 0.2776% | 5,571 |
| Pretax return on assets | 0.4105% | 5,311 |
| Return on Equity (ROE) | 2.8620% | 5,441 |
| Retained earnings to average equity (ytd only) | 2.8620% | 4,449 |
| Net charge-offs to loans | 0.2194% | 3,208 |
| Credit loss provision to net charge-offs | 57.9268% | 3,583 |
| Earnings coverage of net charge-offs (x) | 2.7256% | 2,989 |
| Efficiency ratio | 88.2260% | 1,486 |
| Assets per employee ($millions) | 5.2022% | 1,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9657% | 6,500 |
| Loan loss allowance to noncurrent loans | 22.0472% | 6,687 |
| Noncurrent assets plus other real estate owned to assets | 2.7292% | 2,526 |
| Noncurrent loans to loans | 4.3800% | 1,610 |
| Net loans and leases to total assets | 61.3721% | 3,998 |
| Net loans and leases to deposits | 87.8994% | 1,475 |
| Net loans and leases to core deposits | 91.3659% | 2,188 |
| Total domestic deposits to total assets | 69.8209% | 7,189 |
| Equity capital to assets | 9.6740% | 4,211 |
| Core capital (leverage) ratio | 9.2539% | 4,207 |
| Tier 1 risk-based capital ratio | 12.9048% | 4,891 |
| Total risk-based capital ratio | 13.8156% | 5,178 |
| Memoranda: | ||
| Average total assets | $947,999,000 | 711 |
| Average earning assets | $885,083,500 | 685 |
| Average equity | $91,962,500 | 737 |
| Average total loans | $598,001,000 | 723 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6158% | 6,064 |
| Cost of funding earning assets | 1.5818% | 2,178 |
| Net interest margin | 3.0340% | 6,672 |
| Noninterest income to average assets | 0.7634% | 2,470 |
| Noninterest expense to average assets | 2.7820% | 4,668 |
| Loan and lease loss provision to assets | 0.0954% | 6,191 |
| Net operating income to assets | 0.4926% | 4,136 |
| Return on assets (ROA) | 0.6214% | 3,740 |
| Pretax return on assets | 0.8860% | 3,349 |
| Return on Equity (ROE) | 6.5324% | 3,328 |
| Retained earnings to average equity (ytd only) | 6.5324% | 1,538 |
| Net charge-offs to loans | 0.2412% | 4,834 |
| Credit loss provision to net charge-offs | 61.6022% | 6,058 |
| Earnings coverage of net charge-offs (x) | 5.1471% | 2,703 |
| Efficiency ratio | 77.7243% | 2,754 |
| Assets per employee ($millions) | 5.0753% | 2,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9628% | 6,521 |
| Loan loss allowance to noncurrent loans | 22.1476% | 6,724 |
| Noncurrent assets plus other real estate owned to assets | 2.8213% | 2,482 |
| Noncurrent loans to loans | 4.3472% | 1,659 |
| Net loans and leases to total assets | 63.5814% | 3,957 |
| Net loans and leases to deposits | 91.4964% | 1,325 |
| Net loans and leases to core deposits | 95.1046% | 2,115 |
| Total domestic deposits to total assets | 69.4906% | 7,262 |
| Equity capital to assets | 9.7276% | 4,086 |
| Core capital (leverage) ratio | 9.1260% | 4,309 |
| Tier 1 risk-based capital ratio | 12.8265% | 4,750 |
| Total risk-based capital ratio | 13.7402% | 5,018 |
| Memoranda: | ||
| Average total assets | $934,768,200 | 721 |
| Average earning assets | $867,568,400 | 698 |
| Average equity | $88,926,400 | 753 |
| Average total loans | $600,244,000 | 743 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7182% | 5,951 |
| Cost of funding earning assets | 1.6306% | 2,211 |
| Net interest margin | 3.0876% | 6,643 |
| Noninterest income to average assets | 0.6875% | 2,892 |
| Noninterest expense to average assets | 2.8633% | 4,227 |
| Loan and lease loss provision to assets | 0.1152% | 5,877 |
| Net operating income to assets | 0.3710% | 4,880 |
| Return on assets (ROA) | 0.5361% | 4,323 |
| Pretax return on assets | 0.8258% | 3,816 |
| Return on Equity (ROE) | 5.6672% | 3,974 |
| Retained earnings to average equity (ytd only) | 5.6672% | 2,557 |
| Net charge-offs to loans | 0.2939% | 4,192 |
| Credit loss provision to net charge-offs | 61.0606% | 5,660 |
| Earnings coverage of net charge-offs (x) | 3.6401% | 3,360 |
| Efficiency ratio | 80.6484% | 2,259 |
| Assets per employee ($millions) | 4.9797% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9682% | 6,526 |
| Loan loss allowance to noncurrent loans | 28.0284% | 6,448 |
| Noncurrent assets plus other real estate owned to assets | 2.2970% | 3,086 |
| Noncurrent loans to loans | 3.4543% | 2,303 |
| Net loans and leases to total assets | 64.9018% | 3,926 |
| Net loans and leases to deposits | 91.6776% | 1,493 |
| Net loans and leases to core deposits | 95.2678% | 2,347 |
| Total domestic deposits to total assets | 70.7935% | 7,232 |
| Equity capital to assets | 9.7653% | 4,456 |
| Core capital (leverage) ratio | 9.0008% | 4,691 |
| Tier 1 risk-based capital ratio | 12.8352% | 4,704 |
| Total risk-based capital ratio | 13.7459% | 4,965 |
| Memoranda: | ||
| Average total assets | $932,459,750 | 721 |
| Average earning assets | $864,596,500 | 695 |
| Average equity | $88,200,750 | 754 |
| Average total loans | $598,793,750 | 743 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7167% | 6,087 |
| Cost of funding earning assets | 1.6763% | 2,255 |
| Net interest margin | 3.0404% | 6,745 |
| Noninterest income to average assets | 0.5676% | 3,567 |
| Noninterest expense to average assets | 2.7586% | 4,666 |
| Loan and lease loss provision to assets | 0.0268% | 6,678 |
| Net operating income to assets | 0.3851% | 4,821 |
| Return on assets (ROA) | 0.5526% | 4,221 |
| Pretax return on assets | 0.8552% | 3,677 |
| Return on Equity (ROE) | 5.9050% | 3,847 |
| Retained earnings to average equity (ytd only) | 5.9050% | 2,388 |
| Net charge-offs to loans | 0.3711% | 3,500 |
| Credit loss provision to net charge-offs | 11.3020% | 5,931 |
| Earnings coverage of net charge-offs (x) | 2.6374% | 3,678 |
| Efficiency ratio | 81.5462% | 2,227 |
| Assets per employee ($millions) | 5.1589% | 1,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9028% | 6,751 |
| Loan loss allowance to noncurrent loans | 23.7416% | 6,751 |
| Noncurrent assets plus other real estate owned to assets | 2.7075% | 2,668 |
| Noncurrent loans to loans | 3.8024% | 2,029 |
| Net loans and leases to total assets | 63.9528% | 4,276 |
| Net loans and leases to deposits | 91.3943% | 1,635 |
| Net loans and leases to core deposits | 94.5604% | 2,638 |
| Total domestic deposits to total assets | 69.9746% | 7,332 |
| Equity capital to assets | 9.6008% | 4,552 |
| Core capital (leverage) ratio | 8.7995% | 4,914 |
| Tier 1 risk-based capital ratio | 12.4920% | 4,871 |
| Total risk-based capital ratio | 13.3301% | 5,209 |
| Memoranda: | ||
| Average total assets | $934,535,330 | 710 |
| Average earning assets | $865,343,670 | 694 |
| Average equity | $87,451,330 | 747 |
| Average total loans | $596,052,000 | 752 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6922% | 6,270 |
| Cost of funding earning assets | 1.7450% | 2,151 |
| Net interest margin | 2.9472% | 6,941 |
| Noninterest income to average assets | 0.5308% | 3,810 |
| Noninterest expense to average assets | 2.7055% | 4,883 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3517% | 5,071 |
| Return on assets (ROA) | 0.5363% | 4,340 |
| Pretax return on assets | 0.8405% | 3,704 |
| Return on Equity (ROE) | 5.8059% | 3,961 |
| Retained earnings to average equity (ytd only) | 5.8059% | 2,710 |
| Net charge-offs to loans | -0.2470% | 7,709 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0517% | 2,134 |
| Assets per employee ($millions) | 5.3088% | 1,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 5,818 |
| Loan loss allowance to noncurrent loans | 27.3592% | 6,576 |
| Noncurrent assets plus other real estate owned to assets | 2.8782% | 2,503 |
| Noncurrent loans to loans | 4.1693% | 1,847 |
| Net loans and leases to total assets | 63.0425% | 4,525 |
| Net loans and leases to deposits | 91.3917% | 1,696 |
| Net loans and leases to core deposits | 95.2437% | 2,674 |
| Total domestic deposits to total assets | 68.9805% | 7,475 |
| Equity capital to assets | 9.4085% | 4,665 |
| Core capital (leverage) ratio | 8.7561% | 4,930 |
| Tier 1 risk-based capital ratio | 12.3661% | 4,858 |
| Total risk-based capital ratio | 13.4025% | 5,005 |
| Memoranda: | ||
| Average total assets | $937,506,000 | 727 |
| Average earning assets | $867,402,000 | 709 |
| Average equity | $86,601,000 | 763 |
| Average total loans | $594,442,000 | 777 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9530% | 6,574 |
| Cost of funding earning assets | 2.1598% | 2,188 |
| Net interest margin | 2.7932% | 7,074 |
| Noninterest income to average assets | 0.6814% | 3,076 |
| Noninterest expense to average assets | 2.7917% | 5,008 |
| Loan and lease loss provision to assets | 0.7042% | 3,006 |
| Net operating income to assets | 0.3832% | 4,189 |
| Return on assets (ROA) | 0.4801% | 3,907 |
| Pretax return on assets | -0.0645% | 5,548 |
| Return on Equity (ROE) | 5.4612% | 3,449 |
| Retained earnings to average equity (ytd only) | 5.4612% | 1,597 |
| Net charge-offs to loans | 1.1361% | 2,153 |
| Credit loss provision to net charge-offs | 96.2443% | 5,767 |
| Earnings coverage of net charge-offs (x) | 0.6674% | 5,422 |
| Efficiency ratio | 84.7431% | 2,267 |
| Assets per employee ($millions) | 5.9495% | 1,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 6,033 |
| Loan loss allowance to noncurrent loans | 25.6377% | 6,756 |
| Noncurrent assets plus other real estate owned to assets | 2.8716% | 2,444 |
| Noncurrent loans to loans | 4.1802% | 1,746 |
| Net loans and leases to total assets | 62.3744% | 4,913 |
| Net loans and leases to deposits | 90.3457% | 2,168 |
| Net loans and leases to core deposits | 104.8248% | 3,468 |
| Total domestic deposits to total assets | 69.0397% | 7,488 |
| Equity capital to assets | 9.0693% | 5,031 |
| Core capital (leverage) ratio | 8.3832% | 5,468 |
| Tier 1 risk-based capital ratio | 12.1946% | 4,779 |
| Total risk-based capital ratio | 13.1714% | 4,963 |
| Memoranda: | ||
| Average total assets | $953,370,400 | 699 |
| Average earning assets | $886,986,200 | 682 |
| Average equity | $83,808,800 | 768 |
| Average total loans | $614,049,200 | 763 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9828% | 6,651 |
| Cost of funding earning assets | 2.2214% | 2,307 |
| Net interest margin | 2.7615% | 7,112 |
| Noninterest income to average assets | 0.7332% | 2,807 |
| Noninterest expense to average assets | 2.8513% | 4,663 |
| Loan and lease loss provision to assets | 0.8823% | 2,181 |
| Net operating income to assets | 0.3782% | 4,488 |
| Return on assets (ROA) | 0.4783% | 4,178 |
| Pretax return on assets | -0.2719% | 6,069 |
| Return on Equity (ROE) | 5.4844% | 3,747 |
| Retained earnings to average equity (ytd only) | 5.4844% | 2,212 |
| Net charge-offs to loans | 1.4824% | 1,385 |
| Credit loss provision to net charge-offs | 91.9284% | 5,435 |
| Earnings coverage of net charge-offs (x) | 0.4729% | 5,559 |
| Efficiency ratio | 85.7813% | 2,085 |
| Assets per employee ($millions) | 5.2749% | 1,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 6,114 |
| Loan loss allowance to noncurrent loans | 32.6027% | 6,258 |
| Noncurrent assets plus other real estate owned to assets | 2.1928% | 3,104 |
| Noncurrent loans to loans | 3.1572% | 2,394 |
| Net loans and leases to total assets | 61.4106% | 5,347 |
| Net loans and leases to deposits | 90.9673% | 2,398 |
| Net loans and leases to core deposits | 106.6713% | 3,626 |
| Total domestic deposits to total assets | 67.5084% | 7,609 |
| Equity capital to assets | 8.9821% | 5,506 |
| Core capital (leverage) ratio | 7.7499% | 6,668 |
| Tier 1 risk-based capital ratio | 11.1238% | 5,835 |
| Total risk-based capital ratio | 12.0415% | 6,137 |
| Memoranda: | ||
| Average total assets | $955,219,750 | 711 |
| Average earning assets | $889,703,500 | 695 |
| Average equity | $83,312,750 | 786 |
| Average total loans | $618,452,250 | 775 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0420% | 6,643 |
| Cost of funding earning assets | 2.2879% | 2,401 |
| Net interest margin | 2.7541% | 7,099 |
| Noninterest income to average assets | 0.7848% | 2,488 |
| Noninterest expense to average assets | 2.8311% | 4,821 |
| Loan and lease loss provision to assets | 0.3467% | 3,844 |
| Net operating income to assets | 0.2485% | 5,089 |
| Return on assets (ROA) | 0.4135% | 4,561 |
| Pretax return on assets | 0.3366% | 5,107 |
| Return on Equity (ROE) | 4.7880% | 4,172 |
| Retained earnings to average equity (ytd only) | 4.7880% | 2,647 |
| Net charge-offs to loans | 1.0020% | 1,762 |
| Credit loss provision to net charge-offs | 52.7053% | 5,722 |
| Earnings coverage of net charge-offs (x) | 0.7880% | 4,945 |
| Efficiency ratio | 83.8063% | 2,502 |
| Assets per employee ($millions) | 5.3139% | 1,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8436% | 7,003 |
| Loan loss allowance to noncurrent loans | 26.5984% | 6,731 |
| Noncurrent assets plus other real estate owned to assets | 2.0086% | 3,186 |
| Noncurrent loans to loans | 3.1714% | 2,252 |
| Net loans and leases to total assets | 62.8009% | 5,216 |
| Net loans and leases to deposits | 93.9959% | 2,091 |
| Net loans and leases to core deposits | 110.7395% | 3,301 |
| Total domestic deposits to total assets | 66.8124% | 7,692 |
| Equity capital to assets | 8.7534% | 5,679 |
| Core capital (leverage) ratio | 7.5690% | 6,938 |
| Tier 1 risk-based capital ratio | 10.4514% | 6,425 |
| Total risk-based capital ratio | 11.2097% | 6,902 |
| Memoranda: | ||
| Average total assets | $955,371,670 | 731 |
| Average earning assets | $889,651,670 | 708 |
| Average equity | $82,497,670 | 795 |
| Average total loans | $627,128,330 | 784 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0775% | 6,716 |
| Cost of funding earning assets | 2.3427% | 2,532 |
| Net interest margin | 2.7348% | 7,133 |
| Noninterest income to average assets | 0.7722% | 2,473 |
| Noninterest expense to average assets | 2.5715% | 5,566 |
| Loan and lease loss provision to assets | 0.4895% | 2,518 |
| Net operating income to assets | 0.1874% | 5,690 |
| Return on assets (ROA) | 0.4946% | 4,632 |
| Pretax return on assets | 0.6761% | 4,506 |
| Return on Equity (ROE) | 5.7677% | 4,138 |
| Retained earnings to average equity (ytd only) | 5.7677% | 2,744 |
| Net charge-offs to loans | 1.3669% | 1,035 |
| Credit loss provision to net charge-offs | 53.5978% | 4,618 |
| Earnings coverage of net charge-offs (x) | 0.8155% | 4,373 |
| Efficiency ratio | 76.0925% | 3,476 |
| Assets per employee ($millions) | 5.3373% | 1,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8929% | 6,783 |
| Loan loss allowance to noncurrent loans | 29.3046% | 6,601 |
| Noncurrent assets plus other real estate owned to assets | 2.0170% | 2,878 |
| Noncurrent loans to loans | 3.0469% | 2,141 |
| Net loans and leases to total assets | 65.6089% | 4,666 |
| Net loans and leases to deposits | 98.2067% | 1,632 |
| Net loans and leases to core deposits | 117.7918% | 2,617 |
| Total domestic deposits to total assets | 66.8069% | 7,681 |
| Equity capital to assets | 8.3582% | 6,303 |
| Core capital (leverage) ratio | 7.3852% | 7,290 |
| Tier 1 risk-based capital ratio | 10.4770% | 6,420 |
| Total risk-based capital ratio | 11.3297% | 6,746 |
| Memoranda: | ||
| Average total assets | $949,497,000 | 737 |
| Average earning assets | $883,271,000 | 713 |
| Average equity | $81,418,500 | 808 |
| Average total loans | $634,428,500 | 781 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5990% | 7,068 |
| Cost of funding earning assets | 2.7058% | 3,137 |
| Net interest margin | 2.8931% | 7,167 |
| Noninterest income to average assets | 0.5078% | 4,558 |
| Noninterest expense to average assets | 2.3531% | 6,560 |
| Loan and lease loss provision to assets | 0.3601% | 3,529 |
| Net operating income to assets | 0.4489% | 4,957 |
| Return on assets (ROA) | -1.1292% | 7,248 |
| Pretax return on assets | -1.0881% | 7,051 |
| Return on Equity (ROE) | -12.3387% | 7,449 |
| Retained earnings to average equity (ytd only) | -13.2005% | 7,348 |
| Net charge-offs to loans | 0.2984% | 3,398 |
| Credit loss provision to net charge-offs | 185.0811% | 2,677 |
| Earnings coverage of net charge-offs (x) | 4.3697% | 4,007 |
| Efficiency ratio | 71.2016% | 4,086 |
| Assets per employee ($millions) | 5.8248% | 1,246 |
| Cash dividends to net income (ytd only)* | -6.9845% | 7,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0454% | 5,662 |
| Loan loss allowance to noncurrent loans | 37.5451% | 6,218 |
| Noncurrent assets plus other real estate owned to assets | 1.8779% | 2,620 |
| Noncurrent loans to loans | 2.7844% | 1,956 |
| Net loans and leases to total assets | 66.7374% | 4,699 |
| Net loans and leases to deposits | 101.6313% | 1,621 |
| Net loans and leases to core deposits | 120.2258% | 2,664 |
| Total domestic deposits to total assets | 65.6662% | 7,678 |
| Equity capital to assets | 8.7943% | 5,660 |
| Core capital (leverage) ratio | 7.5258% | 7,179 |
| Tier 1 risk-based capital ratio | 11.3178% | 5,421 |
| Total risk-based capital ratio | 12.3447% | 5,531 |
| Memoranda: | ||
| Average total assets | $950,906,800 | 698 |
| Average earning assets | $885,933,400 | 679 |
| Average equity | $87,027,200 | 760 |
| Average total loans | $619,876,600 | 771 |