Home > Central Savings Bank > Performance and Condition Ratios
Central Savings 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 | 4.8030% | 2,464 |
| Cost of funding earning assets | 1.0035% | 3,282 |
| Net interest margin | 3.7995% | 1,564 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.3258% | 2,785 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3516% | 1,321 |
| Return on assets (ROA) | 1.1677% | 1,708 |
| Pretax return on assets | 1.4359% | 1,558 |
| Return on Equity (ROE) | 21.7600% | 475 |
| Retained earnings to average equity (ytd only) | 8.3569% | 1,440 |
| Net charge-offs to loans | 0.0555% | 1,302 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 57.3802% | 1,215 |
| Efficiency ratio | 57.3410% | 3,361 |
| Assets per employee ($millions) | 6.5209% | 2,402 |
| Cash dividends to net income (ytd only)* | 61.6000% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4328% | 1,268 |
| Loan loss allowance to noncurrent loans | 722.0455% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 2,845 |
| Noncurrent loans to loans | 0.1984% | 2,520 |
| Net loans and leases to total assets | 50.7800% | 3,546 |
| Net loans and leases to deposits | 54.2620% | 3,782 |
| Net loans and leases to core deposits | 57.9992% | 3,838 |
| Total domestic deposits to total assets | 93.5900% | 132 |
| Equity capital to assets | 5.6234% | 4,314 |
| Core capital (leverage) ratio | 8.0398% | 4,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7020% | 1,347 |
| Memoranda: | ||
| Average total assets | $417,496,200 | 1,963 |
| Average earning assets | $377,889,200 | 1,983 |
| Average equity | $22,400,600 | 2,661 |
| Average total loans | $218,109,800 | 2,176 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6170% | 2,640 |
| Cost of funding earning assets | 0.9530% | 3,149 |
| Net interest margin | 3.6640% | 1,857 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 2.2973% | 2,799 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2843% | 1,580 |
| Return on assets (ROA) | 1.2774% | 1,581 |
| Pretax return on assets | 1.6005% | 1,359 |
| Return on Equity (ROE) | 24.1100% | 429 |
| Retained earnings to average equity (ytd only) | 21.5998% | 209 |
| Net charge-offs to loans | 0.0737% | 960 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 41.6667% | 1,421 |
| Efficiency ratio | 57.8019% | 3,227 |
| Assets per employee ($millions) | 6.3641% | 2,439 |
| Cash dividends to net income (ytd only)* | 10.4056% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4489% | 1,258 |
| Loan loss allowance to noncurrent loans | 617.0874% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.5913% | 994 |
| Noncurrent loans to loans | 0.2348% | 2,408 |
| Net loans and leases to total assets | 49.9500% | 3,619 |
| Net loans and leases to deposits | 53.0520% | 3,838 |
| Net loans and leases to core deposits | 56.5771% | 3,831 |
| Total domestic deposits to total assets | 94.1500% | 176 |
| Equity capital to assets | 5.2374% | 4,202 |
| Core capital (leverage) ratio | 8.6823% | 4,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5587% | 1,187 |
| Memoranda: | ||
| Average total assets | $414,275,000 | 1,975 |
| Average earning assets | $376,050,250 | 1,989 |
| Average equity | $21,950,250 | 2,682 |
| Average total loans | $217,202,250 | 2,178 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5436% | 2,543 |
| Cost of funding earning assets | 0.9093% | 2,894 |
| Net interest margin | 3.6343% | 1,962 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 2.2935% | 2,828 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2916% | 1,592 |
| Return on assets (ROA) | 1.2501% | 1,686 |
| Pretax return on assets | 1.5785% | 1,450 |
| Return on Equity (ROE) | 23.5000% | 460 |
| Retained earnings to average equity (ytd only) | 19.6942% | 257 |
| Net charge-offs to loans | 0.0314% | 1,260 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 97.8824% | 949 |
| Efficiency ratio | 57.3302% | 3,272 |
| Assets per employee ($millions) | 6.0274% | 2,690 |
| Cash dividends to net income (ytd only)* | 16.1897% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5129% | 1,140 |
| Loan loss allowance to noncurrent loans | 462.9787% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 1.1794% | 353 |
| Noncurrent loans to loans | 0.3268% | 1,962 |
| Net loans and leases to total assets | 52.6200% | 3,362 |
| Net loans and leases to deposits | 56.1071% | 3,644 |
| Net loans and leases to core deposits | 60.0266% | 3,632 |
| Total domestic deposits to total assets | 93.7800% | 166 |
| Equity capital to assets | 5.5782% | 4,277 |
| Core capital (leverage) ratio | 8.8600% | 3,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5010% | 1,216 |
| Memoranda: | ||
| Average total assets | $408,114,667 | 1,987 |
| Average earning assets | $370,852,667 | 2,009 |
| Average equity | $21,712,000 | 2,722 |
| Average total loans | $216,489,333 | 2,178 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4753% | 2,376 |
| Cost of funding earning assets | 0.8484% | 2,541 |
| Net interest margin | 3.6269% | 2,064 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 2.2279% | 3,017 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3985% | 1,416 |
| Return on assets (ROA) | 1.3416% | 1,535 |
| Pretax return on assets | 1.6721% | 1,338 |
| Return on Equity (ROE) | 25.8300% | 372 |
| Retained earnings to average equity (ytd only) | 25.8349% | 163 |
| Net charge-offs to loans | 0.0184% | 1,313 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 178.8000% | 540 |
| Efficiency ratio | 54.9963% | 3,506 |
| Assets per employee ($millions) | 6.3082% | 2,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 1,178 |
| Loan loss allowance to noncurrent loans | 398.0630% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 1.1911% | 307 |
| Noncurrent loans to loans | 0.3838% | 1,780 |
| Net loans and leases to total assets | 51.6900% | 3,364 |
| Net loans and leases to deposits | 55.9818% | 3,573 |
| Net loans and leases to core deposits | 59.8359% | 3,547 |
| Total domestic deposits to total assets | 92.3300% | 436 |
| Equity capital to assets | 5.7756% | 4,267 |
| Core capital (leverage) ratio | 8.4100% | 4,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2534% | 1,315 |
| Memoranda: | ||
| Average total assets | $410,253,500 | 2,005 |
| Average earning assets | $373,870,500 | 2,023 |
| Average equity | $21,304,500 | 2,770 |
| Average total loans | $216,861,000 | 2,191 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7008% | 2,521 |
| Cost of funding earning assets | 0.2719% | 3,135 |
| Net interest margin | 3.4289% | 2,153 |
| Noninterest income to average assets | 0.7100% | 1,267 |
| Noninterest expense to average assets | 2.0333% | 3,492 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.4751% | 946 |
| Return on assets (ROA) | 1.2883% | 1,432 |
| Pretax return on assets | 1.5775% | 1,219 |
| Return on Equity (ROE) | 22.8000% | 286 |
| Retained earnings to average equity (ytd only) | 9.6972% | 1,242 |
| Net charge-offs to loans | 0.0502% | 1,167 |
| Credit loss provision to net charge-offs | 134.6535% | 1,374 |
| Earnings coverage of net charge-offs (x) | 74.4059% | 1,127 |
| Efficiency ratio | 51.5734% | 4,021 |
| Assets per employee ($millions) | 5.9489% | 2,810 |
| Cash dividends to net income (ytd only)* | 57.4630% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9735% | 451 |
| Loan loss allowance to noncurrent loans | 142.4513% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 1.2698% | 289 |
| Noncurrent loans to loans | 1.3854% | 489 |
| Net loans and leases to total assets | 52.1800% | 3,343 |
| Net loans and leases to deposits | 55.0418% | 3,628 |
| Net loans and leases to core deposits | 58.7489% | 3,569 |
| Total domestic deposits to total assets | 94.8000% | 161 |
| Equity capital to assets | 4.6110% | 4,450 |
| Core capital (leverage) ratio | 7.6881% | 4,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1770% | 1,573 |
| Memoranda: | ||
| Average total assets | $408,745,000 | 1,998 |
| Average earning assets | $376,620,200 | 1,999 |
| Average equity | $23,099,400 | 2,694 |
| Average total loans | $201,156,800 | 2,222 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5119% | 2,586 |
| Cost of funding earning assets | 0.2097% | 3,153 |
| Net interest margin | 3.3022% | 2,287 |
| Noninterest income to average assets | 0.7500% | 1,155 |
| Noninterest expense to average assets | 2.0229% | 3,424 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.3724% | 1,167 |
| Return on assets (ROA) | 1.3032% | 1,308 |
| Pretax return on assets | 1.6438% | 1,017 |
| Return on Equity (ROE) | 22.0400% | 288 |
| Retained earnings to average equity (ytd only) | 19.7434% | 112 |
| Net charge-offs to loans | -0.0115% | 3,760 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.3425% | 3,982 |
| Assets per employee ($millions) | 6.1176% | 2,657 |
| Cash dividends to net income (ytd only)* | 10.4235% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1195% | 396 |
| Loan loss allowance to noncurrent loans | 93.7778% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 1.2352% | 321 |
| Noncurrent loans to loans | 2.2601% | 250 |
| Net loans and leases to total assets | 48.4800% | 3,587 |
| Net loans and leases to deposits | 51.2131% | 3,778 |
| Net loans and leases to core deposits | 54.2576% | 3,726 |
| Total domestic deposits to total assets | 94.6600% | 266 |
| Equity capital to assets | 4.7011% | 4,351 |
| Core capital (leverage) ratio | 8.2216% | 4,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2124% | 1,365 |
| Memoranda: | ||
| Average total assets | $408,312,750 | 2,013 |
| Average earning assets | $377,069,500 | 2,018 |
| Average equity | $24,142,500 | 2,680 |
| Average total loans | $196,822,750 | 2,252 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4112% | 2,398 |
| Cost of funding earning assets | 0.1848% | 3,113 |
| Net interest margin | 3.2263% | 2,113 |
| Noninterest income to average assets | 0.7203% | 1,262 |
| Noninterest expense to average assets | 2.0173% | 3,386 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3356% | 1,061 |
| Return on assets (ROA) | 1.2142% | 1,372 |
| Pretax return on assets | 1.5328% | 1,095 |
| Return on Equity (ROE) | 19.1669% | 371 |
| Retained earnings to average equity (ytd only) | 15.9138% | 195 |
| Net charge-offs to loans | -0.0135% | 3,711 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5313% | 4,005 |
| Assets per employee ($millions) | 6.1612% | 2,606 |
| Cash dividends to net income (ytd only)* | 16.9727% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1523% | 408 |
| Loan loss allowance to noncurrent loans | 89.9937% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 1.1723% | 365 |
| Noncurrent loans to loans | 2.3916% | 248 |
| Net loans and leases to total assets | 47.9632% | 3,556 |
| Net loans and leases to deposits | 51.6624% | 3,711 |
| Net loans and leases to core deposits | 55.5558% | 3,604 |
| Total domestic deposits to total assets | 92.8396% | 555 |
| Equity capital to assets | 5.1783% | 4,437 |
| Core capital (leverage) ratio | 8.2323% | 4,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1810% | 1,396 |
| Memoranda: | ||
| Average total assets | $403,712,333 | 2,039 |
| Average earning assets | $373,305,000 | 2,055 |
| Average equity | $25,575,333 | 2,647 |
| Average total loans | $192,744,667 | 2,281 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4260% | 2,016 |
| Cost of funding earning assets | 0.1801% | 3,082 |
| Net interest margin | 3.2459% | 1,732 |
| Noninterest income to average assets | 0.7806% | 1,088 |
| Noninterest expense to average assets | 1.9759% | 3,495 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4490% | 714 |
| Return on assets (ROA) | 1.3027% | 993 |
| Pretax return on assets | 1.6318% | 787 |
| Return on Equity (ROE) | 18.8256% | 290 |
| Retained earnings to average equity (ytd only) | 18.8256% | 124 |
| Net charge-offs to loans | -0.0253% | 4,012 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1805% | 4,242 |
| Assets per employee ($millions) | 6.1025% | 2,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2806% | 382 |
| Loan loss allowance to noncurrent loans | 92.8556% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 1.1597% | 386 |
| Noncurrent loans to loans | 2.4561% | 248 |
| Net loans and leases to total assets | 45.6274% | 3,612 |
| Net loans and leases to deposits | 49.6819% | 3,759 |
| Net loans and leases to core deposits | 53.7406% | 3,611 |
| Total domestic deposits to total assets | 91.8390% | 640 |
| Equity capital to assets | 6.2093% | 4,530 |
| Core capital (leverage) ratio | 7.9986% | 4,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5197% | 1,377 |
| Memoranda: | ||
| Average total assets | $402,250,000 | 2,046 |
| Average earning assets | $373,024,500 | 2,059 |
| Average equity | $27,834,500 | 2,613 |
| Average total loans | $189,454,000 | 2,300 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5796% | 2,444 |
| Cost of funding earning assets | 0.2284% | 3,152 |
| Net interest margin | 3.3513% | 2,161 |
| Noninterest income to average assets | 0.8473% | 1,327 |
| Noninterest expense to average assets | 2.2047% | 3,070 |
| Loan and lease loss provision to assets | 0.2491% | 374 |
| Net operating income to assets | 1.2707% | 1,687 |
| Return on assets (ROA) | 1.2728% | 1,740 |
| Pretax return on assets | 1.5039% | 1,712 |
| Return on Equity (ROE) | 14.5586% | 1,053 |
| Retained earnings to average equity (ytd only) | 1.8861% | 4,013 |
| Net charge-offs to loans | -0.0266% | 4,080 |
| Credit loss provision to net charge-offs | -1,821.5686% | 4,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0705% | 3,807 |
| Assets per employee ($millions) | 6.1805% | 2,588 |
| Cash dividends to net income (ytd only)* | 87.0444% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2411% | 420 |
| Loan loss allowance to noncurrent loans | 1,961.9266% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.0672% | 3,496 |
| Noncurrent loans to loans | 0.1142% | 3,355 |
| Net loans and leases to total assets | 46.4413% | 3,657 |
| Net loans and leases to deposits | 50.6127% | 3,842 |
| Net loans and leases to core deposits | 54.8260% | 3,700 |
| Total domestic deposits to total assets | 91.7582% | 248 |
| Equity capital to assets | 7.6319% | 4,541 |
| Core capital (leverage) ratio | 7.9358% | 4,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4156% | 1,409 |
| Memoranda: | ||
| Average total assets | $372,969,600 | 2,100 |
| Average earning assets | $345,900,200 | 2,103 |
| Average equity | $32,606,200 | 2,403 |
| Average total loans | $192,001,400 | 2,292 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6060% | 2,542 |
| Cost of funding earning assets | 0.2407% | 3,204 |
| Net interest margin | 3.3652% | 2,251 |
| Noninterest income to average assets | 0.9372% | 1,179 |
| Noninterest expense to average assets | 2.2304% | 2,974 |
| Loan and lease loss provision to assets | 0.2723% | 309 |
| Net operating income to assets | 1.2289% | 2,067 |
| Return on assets (ROA) | 1.2295% | 2,126 |
| Pretax return on assets | 1.5535% | 1,840 |
| Return on Equity (ROE) | 13.5897% | 1,524 |
| Retained earnings to average equity (ytd only) | 12.3045% | 773 |
| Net charge-offs to loans | -0.0250% | 4,058 |
| Credit loss provision to net charge-offs | -2,075.0000% | 3,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4221% | 3,739 |
| Assets per employee ($millions) | 6.1401% | 2,554 |
| Cash dividends to net income (ytd only)* | 9.4575% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1087% | 527 |
| Loan loss allowance to noncurrent loans | 359.4714% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 2,379 |
| Noncurrent loans to loans | 0.5866% | 1,844 |
| Net loans and leases to total assets | 46.7377% | 3,737 |
| Net loans and leases to deposits | 51.4362% | 3,925 |
| Net loans and leases to core deposits | 55.8482% | 3,786 |
| Total domestic deposits to total assets | 90.8654% | 410 |
| Equity capital to assets | 8.4903% | 4,218 |
| Core capital (leverage) ratio | 8.7643% | 3,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0764% | 1,115 |
| Memoranda: | ||
| Average total assets | $365,778,750 | 2,143 |
| Average earning assets | $338,947,000 | 2,160 |
| Average equity | $33,092,750 | 2,414 |
| Average total loans | $192,290,000 | 2,324 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6208% | 2,558 |
| Cost of funding earning assets | 0.2526% | 3,258 |
| Net interest margin | 3.3682% | 2,247 |
| Noninterest income to average assets | 0.9546% | 1,151 |
| Noninterest expense to average assets | 2.3254% | 2,689 |
| Loan and lease loss provision to assets | 0.2626% | 367 |
| Net operating income to assets | 1.1693% | 2,300 |
| Return on assets (ROA) | 1.1644% | 2,378 |
| Pretax return on assets | 1.4764% | 2,092 |
| Return on Equity (ROE) | 12.5740% | 1,863 |
| Retained earnings to average equity (ytd only) | 10.6202% | 1,212 |
| Net charge-offs to loans | -0.0323% | 4,185 |
| Credit loss provision to net charge-offs | -1,493.5484% | 3,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5835% | 3,461 |
| Assets per employee ($millions) | 5.4217% | 3,221 |
| Cash dividends to net income (ytd only)* | 15.5382% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9042% | 733 |
| Loan loss allowance to noncurrent loans | 410.3896% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.2470% | 2,696 |
| Noncurrent loans to loans | 0.4640% | 2,285 |
| Net loans and leases to total assets | 52.2192% | 3,323 |
| Net loans and leases to deposits | 57.7702% | 3,564 |
| Net loans and leases to core deposits | 61.7836% | 3,482 |
| Total domestic deposits to total assets | 90.3913% | 604 |
| Equity capital to assets | 8.8624% | 3,921 |
| Core capital (leverage) ratio | 9.0724% | 3,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $352,622,000 | 2,191 |
| Average earning assets | $326,230,333 | 2,214 |
| Average equity | $32,654,667 | 2,423 |
| Average total loans | $191,892,000 | 2,333 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7471% | 2,247 |
| Cost of funding earning assets | 0.2711% | 3,261 |
| Net interest margin | 3.4760% | 1,894 |
| Noninterest income to average assets | 0.9348% | 1,244 |
| Noninterest expense to average assets | 2.4476% | 2,333 |
| Loan and lease loss provision to assets | 0.1813% | 680 |
| Net operating income to assets | 1.2107% | 2,104 |
| Return on assets (ROA) | 1.1676% | 2,341 |
| Pretax return on assets | 1.4625% | 2,100 |
| Return on Equity (ROE) | 12.3191% | 1,894 |
| Retained earnings to average equity (ytd only) | 12.3191% | 1,069 |
| Net charge-offs to loans | -0.0467% | 4,368 |
| Credit loss provision to net charge-offs | -704.5455% | 3,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4533% | 3,242 |
| Assets per employee ($millions) | 5.3094% | 3,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7874% | 894 |
| Loan loss allowance to noncurrent loans | 371.5508% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.3438% | 2,425 |
| Noncurrent loans to loans | 0.4811% | 2,409 |
| Net loans and leases to total assets | 53.6589% | 3,274 |
| Net loans and leases to deposits | 59.4589% | 3,521 |
| Net loans and leases to core deposits | 63.6350% | 3,448 |
| Total domestic deposits to total assets | 90.2455% | 698 |
| Equity capital to assets | 9.0102% | 3,670 |
| Core capital (leverage) ratio | 9.4365% | 3,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $341,884,000 | 2,227 |
| Average earning assets | $315,762,000 | 2,245 |
| Average equity | $32,405,000 | 2,422 |
| Average total loans | $188,266,500 | 2,366 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9912% | 2,757 |
| Cost of funding earning assets | 0.3759% | 3,732 |
| Net interest margin | 3.6153% | 2,088 |
| Noninterest income to average assets | 0.9378% | 1,175 |
| Noninterest expense to average assets | 2.4273% | 3,067 |
| Loan and lease loss provision to assets | 0.5280% | 439 |
| Net operating income to assets | 1.0164% | 2,231 |
| Return on assets (ROA) | 1.0441% | 2,266 |
| Pretax return on assets | 1.3168% | 1,923 |
| Return on Equity (ROE) | 9.1773% | 2,325 |
| Retained earnings to average equity (ytd only) | -4.3652% | 4,819 |
| Net charge-offs to loans | 0.1027% | 1,442 |
| Credit loss provision to net charge-offs | 908.5227% | 827 |
| Earnings coverage of net charge-offs (x) | 31.1420% | 1,577 |
| Efficiency ratio | 56.9358% | 3,864 |
| Assets per employee ($millions) | 4.8961% | 3,508 |
| Cash dividends to net income (ytd only)* | 147.5648% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8103% | 840 |
| Loan loss allowance to noncurrent loans | 347.8903% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.3768% | 2,476 |
| Noncurrent loans to loans | 0.5204% | 2,418 |
| Net loans and leases to total assets | 54.5303% | 3,444 |
| Net loans and leases to deposits | 61.0038% | 3,682 |
| Net loans and leases to core deposits | 65.1405% | 3,621 |
| Total domestic deposits to total assets | 89.3884% | 813 |
| Equity capital to assets | 9.9861% | 3,141 |
| Core capital (leverage) ratio | 9.3791% | 3,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $302,847,000 | 2,283 |
| Average earning assets | $276,379,800 | 2,310 |
| Average equity | $34,454,600 | 2,255 |
| Average total loans | $171,356,000 | 2,476 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9454% | 3,130 |
| Cost of funding earning assets | 0.3961% | 3,828 |
| Net interest margin | 3.5493% | 2,424 |
| Noninterest income to average assets | 0.9554% | 1,109 |
| Noninterest expense to average assets | 2.5011% | 2,844 |
| Loan and lease loss provision to assets | 0.2876% | 1,403 |
| Net operating income to assets | 1.1118% | 1,946 |
| Return on assets (ROA) | 1.1132% | 2,058 |
| Pretax return on assets | 1.3996% | 1,733 |
| Return on Equity (ROE) | 9.4649% | 2,215 |
| Retained earnings to average equity (ytd only) | 8.5895% | 1,113 |
| Net charge-offs to loans | -0.0040% | 4,001 |
| Credit loss provision to net charge-offs | -12,800.0000% | 4,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3857% | 3,469 |
| Assets per employee ($millions) | 5.3216% | 2,869 |
| Cash dividends to net income (ytd only)* | 9.2488% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3927% | 1,763 |
| Loan loss allowance to noncurrent loans | 74.1613% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 1.0697% | 1,003 |
| Noncurrent loans to loans | 1.8779% | 677 |
| Net loans and leases to total assets | 51.5817% | 3,992 |
| Net loans and leases to deposits | 58.0776% | 4,158 |
| Net loans and leases to core deposits | 61.8624% | 4,121 |
| Total domestic deposits to total assets | 88.8151% | 855 |
| Equity capital to assets | 10.5639% | 2,735 |
| Core capital (leverage) ratio | 10.7529% | 2,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $296,549,750 | 2,296 |
| Average earning assets | $269,981,750 | 2,330 |
| Average equity | $34,878,750 | 2,231 |
| Average total loans | $168,650,750 | 2,503 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0658% | 3,140 |
| Cost of funding earning assets | 0.4450% | 3,817 |
| Net interest margin | 3.6208% | 2,415 |
| Noninterest income to average assets | 0.9511% | 1,069 |
| Noninterest expense to average assets | 2.6005% | 2,664 |
| Loan and lease loss provision to assets | 0.1657% | 2,342 |
| Net operating income to assets | 1.1605% | 1,761 |
| Return on assets (ROA) | 1.0968% | 2,094 |
| Pretax return on assets | 1.3867% | 1,756 |
| Return on Equity (ROE) | 8.9498% | 2,382 |
| Retained earnings to average equity (ytd only) | 7.6155% | 1,428 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0896% | 3,263 |
| Assets per employee ($millions) | 4.7598% | 3,457 |
| Cash dividends to net income (ytd only)* | 14.9089% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 2,579 |
| Loan loss allowance to noncurrent loans | 34.2764% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 2.0538% | 337 |
| Noncurrent loans to loans | 3.4671% | 231 |
| Net loans and leases to total assets | 55.7939% | 3,705 |
| Net loans and leases to deposits | 63.5181% | 3,918 |
| Net loans and leases to core deposits | 68.5391% | 3,827 |
| Total domestic deposits to total assets | 87.8395% | 1,266 |
| Equity capital to assets | 11.2648% | 2,141 |
| Core capital (leverage) ratio | 11.4886% | 1,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $280,098,333 | 2,358 |
| Average earning assets | $253,922,333 | 2,392 |
| Average equity | $34,324,667 | 2,247 |
| Average total loans | $164,553,333 | 2,523 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3250% | 2,844 |
| Cost of funding earning assets | 0.5444% | 3,722 |
| Net interest margin | 3.7806% | 2,047 |
| Noninterest income to average assets | 0.8165% | 1,265 |
| Noninterest expense to average assets | 2.6776% | 2,762 |
| Loan and lease loss provision to assets | 0.1292% | 2,101 |
| Net operating income to assets | 1.1382% | 1,726 |
| Return on assets (ROA) | 0.9412% | 2,479 |
| Pretax return on assets | 1.1738% | 2,291 |
| Return on Equity (ROE) | 7.3270% | 2,813 |
| Retained earnings to average equity (ytd only) | 7.3270% | 1,434 |
| Net charge-offs to loans | -0.0228% | 4,379 |
| Credit loss provision to net charge-offs | -944.4444% | 3,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6259% | 3,423 |
| Assets per employee ($millions) | 3.8884% | 4,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 2,438 |
| Loan loss allowance to noncurrent loans | 30.7656% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 2.7132% | 243 |
| Noncurrent loans to loans | 4.0372% | 192 |
| Net loans and leases to total assets | 59.2102% | 3,575 |
| Net loans and leases to deposits | 68.6931% | 3,684 |
| Net loans and leases to core deposits | 75.7437% | 3,512 |
| Total domestic deposits to total assets | 86.1953% | 1,923 |
| Equity capital to assets | 13.0014% | 1,427 |
| Core capital (leverage) ratio | 12.6929% | 1,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $263,074,000 | 2,408 |
| Average earning assets | $237,315,500 | 2,459 |
| Average equity | $33,793,000 | 2,255 |
| Average total loans | $158,138,500 | 2,560 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5074% | 2,915 |
| Cost of funding earning assets | 0.5717% | 3,764 |
| Net interest margin | 3.9357% | 2,044 |
| Noninterest income to average assets | 0.9777% | 1,018 |
| Noninterest expense to average assets | 2.8051% | 2,583 |
| Loan and lease loss provision to assets | 0.1030% | 2,009 |
| Net operating income to assets | 1.3048% | 1,674 |
| Return on assets (ROA) | 1.3063% | 1,743 |
| Pretax return on assets | 1.6160% | 1,439 |
| Return on Equity (ROE) | 10.0373% | 2,278 |
| Retained earnings to average equity (ytd only) | -0.0978% | 4,715 |
| Net charge-offs to loans | 0.3009% | 695 |
| Credit loss provision to net charge-offs | 56.9296% | 3,066 |
| Earnings coverage of net charge-offs (x) | 9.4925% | 2,657 |
| Efficiency ratio | 61.3646% | 3,484 |
| Assets per employee ($millions) | 4.1546% | 3,690 |
| Cash dividends to net income (ytd only)* | 100.9743% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 2,502 |
| Loan loss allowance to noncurrent loans | 27.6019% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 2.8910% | 192 |
| Noncurrent loans to loans | 4.3062% | 143 |
| Net loans and leases to total assets | 59.5540% | 3,626 |
| Net loans and leases to deposits | 68.8337% | 3,750 |
| Net loans and leases to core deposits | 75.9881% | 3,577 |
| Total domestic deposits to total assets | 86.5186% | 1,839 |
| Equity capital to assets | 12.6878% | 1,715 |
| Core capital (leverage) ratio | 12.4558% | 1,511 |
| Tier 1 risk-based capital ratio | 18.8807% | 1,541 |
| Total risk-based capital ratio | 19.9555% | 1,552 |
| Memoranda: | ||
| Average total assets | $259,274,800 | 2,399 |
| Average earning assets | $233,505,800 | 2,448 |
| Average equity | $33,744,000 | 2,198 |
| Average total loans | $155,853,600 | 2,561 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5325% | 2,956 |
| Cost of funding earning assets | 0.5728% | 3,809 |
| Net interest margin | 3.9597% | 2,075 |
| Noninterest income to average assets | 0.8536% | 1,260 |
| Noninterest expense to average assets | 2.8309% | 2,466 |
| Loan and lease loss provision to assets | 0.0062% | 3,757 |
| Net operating income to assets | 1.2618% | 1,978 |
| Return on assets (ROA) | 1.2634% | 2,053 |
| Pretax return on assets | 1.5784% | 1,707 |
| Return on Equity (ROE) | 9.6462% | 2,603 |
| Retained earnings to average equity (ytd only) | 8.7489% | 1,117 |
| Net charge-offs to loans | 0.1407% | 1,148 |
| Credit loss provision to net charge-offs | 7.3171% | 3,015 |
| Earnings coverage of net charge-offs (x) | 18.7196% | 2,038 |
| Efficiency ratio | 63.4548% | 3,097 |
| Assets per employee ($millions) | 4.3742% | 3,374 |
| Cash dividends to net income (ytd only)* | 9.3022% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2313% | 2,328 |
| Loan loss allowance to noncurrent loans | 47.8499% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 1.7212% | 585 |
| Noncurrent loans to loans | 2.5732% | 438 |
| Net loans and leases to total assets | 56.9392% | 3,970 |
| Net loans and leases to deposits | 66.1729% | 4,053 |
| Net loans and leases to core deposits | 73.3056% | 3,871 |
| Total domestic deposits to total assets | 86.0461% | 1,980 |
| Equity capital to assets | 13.1117% | 1,558 |
| Core capital (leverage) ratio | 13.3098% | 1,209 |
| Tier 1 risk-based capital ratio | 20.5921% | 1,260 |
| Total risk-based capital ratio | 21.7185% | 1,260 |
| Memoranda: | ||
| Average total assets | $258,658,750 | 2,424 |
| Average earning assets | $232,536,500 | 2,474 |
| Average equity | $33,877,750 | 2,213 |
| Average total loans | $155,379,250 | 2,594 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5046% | 3,000 |
| Cost of funding earning assets | 0.5636% | 3,818 |
| Net interest margin | 3.9410% | 2,119 |
| Noninterest income to average assets | 0.8339% | 1,236 |
| Noninterest expense to average assets | 2.8325% | 2,479 |
| Loan and lease loss provision to assets | 0.0063% | 3,607 |
| Net operating income to assets | 1.2284% | 2,041 |
| Return on assets (ROA) | 1.2284% | 2,101 |
| Pretax return on assets | 1.5341% | 1,746 |
| Return on Equity (ROE) | 9.3825% | 2,689 |
| Retained earnings to average equity (ytd only) | 8.0138% | 1,388 |
| Net charge-offs to loans | -0.0142% | 4,432 |
| Credit loss provision to net charge-offs | -72.7273% | 3,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0546% | 3,125 |
| Assets per employee ($millions) | 4.2286% | 3,527 |
| Cash dividends to net income (ytd only)* | 14.5873% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3260% | 1,901 |
| Loan loss allowance to noncurrent loans | 46.4436% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 1.9621% | 479 |
| Noncurrent loans to loans | 2.8550% | 371 |
| Net loans and leases to total assets | 59.4945% | 3,780 |
| Net loans and leases to deposits | 71.4617% | 3,724 |
| Net loans and leases to core deposits | 79.6680% | 3,449 |
| Total domestic deposits to total assets | 83.2537% | 3,129 |
| Equity capital to assets | 13.1818% | 1,502 |
| Core capital (leverage) ratio | 13.5122% | 1,109 |
| Tier 1 risk-based capital ratio | 19.7862% | 1,391 |
| Total risk-based capital ratio | 20.9953% | 1,365 |
| Memoranda: | ||
| Average total assets | $254,478,330 | 2,459 |
| Average earning assets | $228,522,670 | 2,513 |
| Average equity | $33,317,330 | 2,235 |
| Average total loans | $155,057,670 | 2,609 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5400% | 2,733 |
| Cost of funding earning assets | 0.5611% | 3,781 |
| Net interest margin | 3.9789% | 1,915 |
| Noninterest income to average assets | 0.8682% | 1,124 |
| Noninterest expense to average assets | 2.8217% | 2,495 |
| Loan and lease loss provision to assets | 0.0064% | 3,348 |
| Net operating income to assets | 1.2816% | 1,768 |
| Return on assets (ROA) | 1.2816% | 1,813 |
| Pretax return on assets | 1.6167% | 1,423 |
| Return on Equity (ROE) | 9.8237% | 2,439 |
| Retained earnings to average equity (ytd only) | 9.8237% | 1,081 |
| Net charge-offs to loans | 0.0156% | 2,166 |
| Credit loss provision to net charge-offs | 66.6667% | 1,875 |
| Earnings coverage of net charge-offs (x) | 169.5000% | 453 |
| Efficiency ratio | 62.7648% | 3,419 |
| Assets per employee ($millions) | 4.1114% | 3,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3433% | 1,901 |
| Loan loss allowance to noncurrent loans | 44.9913% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 2.1245% | 427 |
| Noncurrent loans to loans | 2.9856% | 369 |
| Net loans and leases to total assets | 60.7672% | 3,631 |
| Net loans and leases to deposits | 70.8024% | 3,707 |
| Net loans and leases to core deposits | 79.6043% | 3,404 |
| Total domestic deposits to total assets | 85.8266% | 2,349 |
| Equity capital to assets | 13.2890% | 1,298 |
| Core capital (leverage) ratio | 13.4542% | 1,102 |
| Tier 1 risk-based capital ratio | 19.8235% | 1,368 |
| Total risk-based capital ratio | 21.0416% | 1,356 |
| Memoranda: | ||
| Average total assets | $250,631,500 | 2,506 |
| Average earning assets | $225,288,000 | 2,554 |
| Average equity | $32,696,500 | 2,267 |
| Average total loans | $153,549,500 | 2,654 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3907% | 2,792 |
| Cost of funding earning assets | 0.4865% | 3,436 |
| Net interest margin | 3.9042% | 2,313 |
| Noninterest income to average assets | 0.8708% | 1,259 |
| Noninterest expense to average assets | 2.7384% | 2,897 |
| Loan and lease loss provision to assets | 0.1323% | 1,651 |
| Net operating income to assets | 1.2625% | 1,938 |
| Return on assets (ROA) | 1.2638% | 1,927 |
| Pretax return on assets | 1.5083% | 1,756 |
| Return on Equity (ROE) | 10.1246% | 2,467 |
| Retained earnings to average equity (ytd only) | 5.5733% | 2,436 |
| Net charge-offs to loans | 0.0356% | 2,691 |
| Credit loss provision to net charge-offs | 618.5185% | 557 |
| Earnings coverage of net charge-offs (x) | 76.6111% | 885 |
| Efficiency ratio | 61.9423% | 3,537 |
| Assets per employee ($millions) | 3.9757% | 3,924 |
| Cash dividends to net income (ytd only)* | 44.9530% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 1,788 |
| Loan loss allowance to noncurrent loans | 54.9180% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 1.7958% | 577 |
| Noncurrent loans to loans | 2.4780% | 493 |
| Net loans and leases to total assets | 60.1058% | 3,765 |
| Net loans and leases to deposits | 69.7258% | 3,849 |
| Net loans and leases to core deposits | 77.8516% | 3,590 |
| Total domestic deposits to total assets | 86.2031% | 2,130 |
| Equity capital to assets | 12.8019% | 1,435 |
| Core capital (leverage) ratio | 13.0008% | 1,251 |
| Tier 1 risk-based capital ratio | 19.5842% | 1,388 |
| Total risk-based capital ratio | 20.5839% | 1,405 |
| Memoranda: | ||
| Average total assets | $252,411,600 | 2,455 |
| Average earning assets | $226,706,200 | 2,504 |
| Average equity | $31,507,400 | 2,251 |
| Average total loans | $151,640,400 | 2,623 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4395% | 2,505 |
| Cost of funding earning assets | 0.4749% | 3,361 |
| Net interest margin | 3.9645% | 2,069 |
| Noninterest income to average assets | 0.9057% | 1,182 |
| Noninterest expense to average assets | 2.8496% | 2,458 |
| Loan and lease loss provision to assets | 0.1518% | 1,299 |
| Net operating income to assets | 1.1741% | 2,343 |
| Return on assets (ROA) | 1.1741% | 2,347 |
| Pretax return on assets | 1.4646% | 2,021 |
| Return on Equity (ROE) | 9.4659% | 2,869 |
| Retained earnings to average equity (ytd only) | 8.6965% | 1,347 |
| Net charge-offs to loans | -0.0502% | 4,930 |
| Credit loss provision to net charge-offs | -505.2632% | 4,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2275% | 3,298 |
| Assets per employee ($millions) | 4.1384% | 3,672 |
| Cash dividends to net income (ytd only)* | 8.1276% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3898% | 1,741 |
| Loan loss allowance to noncurrent loans | 46.9853% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 2.0953% | 494 |
| Noncurrent loans to loans | 2.9579% | 374 |
| Net loans and leases to total assets | 59.2610% | 3,926 |
| Net loans and leases to deposits | 68.3893% | 4,035 |
| Net loans and leases to core deposits | 75.4780% | 3,842 |
| Total domestic deposits to total assets | 86.6525% | 1,891 |
| Equity capital to assets | 12.5072% | 1,580 |
| Core capital (leverage) ratio | 12.9705% | 1,294 |
| Tier 1 risk-based capital ratio | 19.5777% | 1,421 |
| Total risk-based capital ratio | 20.7616% | 1,402 |
| Memoranda: | ||
| Average total assets | $252,897,000 | 2,472 |
| Average earning assets | $227,107,000 | 2,516 |
| Average equity | $31,368,000 | 2,262 |
| Average total loans | $151,394,500 | 2,643 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2617% | 2,904 |
| Cost of funding earning assets | 0.4703% | 3,221 |
| Net interest margin | 3.7914% | 2,588 |
| Noninterest income to average assets | 0.9234% | 1,122 |
| Noninterest expense to average assets | 2.8180% | 2,608 |
| Loan and lease loss provision to assets | 0.1653% | 1,115 |
| Net operating income to assets | 1.0705% | 2,713 |
| Return on assets (ROA) | 1.0705% | 2,715 |
| Pretax return on assets | 1.3422% | 2,355 |
| Return on Equity (ROE) | 8.6549% | 3,196 |
| Retained earnings to average equity (ytd only) | 7.4919% | 1,846 |
| Net charge-offs to loans | -0.0346% | 4,791 |
| Credit loss provision to net charge-offs | -800.0000% | 4,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5784% | 3,235 |
| Assets per employee ($millions) | 4.0002% | 3,899 |
| Cash dividends to net income (ytd only)* | 13.4373% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 2,005 |
| Loan loss allowance to noncurrent loans | 29.6237% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 3.0983% | 228 |
| Noncurrent loans to loans | 4.5112% | 171 |
| Net loans and leases to total assets | 59.5000% | 3,853 |
| Net loans and leases to deposits | 69.6536% | 3,892 |
| Net loans and leases to core deposits | 77.9349% | 3,587 |
| Total domestic deposits to total assets | 85.4228% | 2,523 |
| Equity capital to assets | 12.4638% | 1,557 |
| Core capital (leverage) ratio | 12.9293% | 1,253 |
| Tier 1 risk-based capital ratio | 19.1564% | 1,514 |
| Total risk-based capital ratio | 20.2896% | 1,507 |
| Memoranda: | ||
| Average total assets | $251,669,330 | 2,491 |
| Average earning assets | $225,826,330 | 2,546 |
| Average equity | $31,127,000 | 2,280 |
| Average total loans | $150,461,000 | 2,658 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1695% | 2,990 |
| Cost of funding earning assets | 0.4645% | 3,094 |
| Net interest margin | 3.7050% | 2,777 |
| Noninterest income to average assets | 1.0465% | 831 |
| Noninterest expense to average assets | 2.7944% | 2,706 |
| Loan and lease loss provision to assets | 0.2036% | 813 |
| Net operating income to assets | 1.0783% | 2,531 |
| Return on assets (ROA) | 1.0783% | 2,545 |
| Pretax return on assets | 1.3726% | 2,092 |
| Return on Equity (ROE) | 8.7525% | 3,025 |
| Retained earnings to average equity (ytd only) | 8.7525% | 1,553 |
| Net charge-offs to loans | -0.0321% | 4,773 |
| Credit loss provision to net charge-offs | -1,066.6667% | 4,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3916% | 3,578 |
| Assets per employee ($millions) | 4.0822% | 3,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 2,326 |
| Loan loss allowance to noncurrent loans | 30.4464% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 2.9456% | 277 |
| Noncurrent loans to loans | 4.2099% | 223 |
| Net loans and leases to total assets | 59.9101% | 3,755 |
| Net loans and leases to deposits | 69.0456% | 3,870 |
| Net loans and leases to core deposits | 76.9450% | 3,585 |
| Total domestic deposits to total assets | 86.7690% | 2,216 |
| Equity capital to assets | 12.4656% | 1,499 |
| Core capital (leverage) ratio | 12.6624% | 1,309 |
| Tier 1 risk-based capital ratio | 18.6931% | 1,633 |
| Total risk-based capital ratio | 19.8214% | 1,635 |
| Memoranda: | ||
| Average total assets | $251,499,000 | 2,501 |
| Average earning assets | $225,640,500 | 2,564 |
| Average equity | $30,985,500 | 2,306 |
| Average total loans | $149,703,000 | 2,690 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1325% | 2,942 |
| Cost of funding earning assets | 0.4432% | 2,844 |
| Net interest margin | 3.6892% | 2,836 |
| Noninterest income to average assets | 0.6429% | 2,240 |
| Noninterest expense to average assets | 2.5102% | 3,750 |
| Loan and lease loss provision to assets | 0.1381% | 1,657 |
| Net operating income to assets | 0.7618% | 3,337 |
| Return on assets (ROA) | 0.7618% | 3,377 |
| Pretax return on assets | 1.2869% | 2,406 |
| Return on Equity (ROE) | 6.2385% | 3,652 |
| Retained earnings to average equity (ytd only) | 2.0667% | 4,079 |
| Net charge-offs to loans | 0.1642% | 1,494 |
| Credit loss provision to net charge-offs | 150.0000% | 1,774 |
| Earnings coverage of net charge-offs (x) | 15.4788% | 2,245 |
| Efficiency ratio | 63.3525% | 3,707 |
| Assets per employee ($millions) | 4.0965% | 3,816 |
| Cash dividends to net income (ytd only)* | 66.8715% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2119% | 2,703 |
| Loan loss allowance to noncurrent loans | 28.2814% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 2.9163% | 284 |
| Noncurrent loans to loans | 4.2850% | 207 |
| Net loans and leases to total assets | 57.6758% | 4,035 |
| Net loans and leases to deposits | 66.1671% | 4,176 |
| Net loans and leases to core deposits | 73.4942% | 3,920 |
| Total domestic deposits to total assets | 87.1670% | 1,912 |
| Equity capital to assets | 12.1779% | 1,715 |
| Core capital (leverage) ratio | 12.3182% | 1,436 |
| Tier 1 risk-based capital ratio | 19.8221% | 1,354 |
| Total risk-based capital ratio | 20.9572% | 1,341 |
| Memoranda: | ||
| Average total assets | $256,355,800 | 2,445 |
| Average earning assets | $228,773,400 | 2,508 |
| Average equity | $31,305,800 | 2,271 |
| Average total loans | $143,703,600 | 2,724 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0724% | 3,080 |
| Cost of funding earning assets | 0.4398% | 2,814 |
| Net interest margin | 3.6327% | 3,033 |
| Noninterest income to average assets | 0.7737% | 1,688 |
| Noninterest expense to average assets | 2.6583% | 3,213 |
| Loan and lease loss provision to assets | 0.1178% | 1,838 |
| Net operating income to assets | 0.9445% | 2,808 |
| Return on assets (ROA) | 0.9449% | 2,868 |
| Pretax return on assets | 1.2386% | 2,753 |
| Return on Equity (ROE) | 7.7324% | 3,274 |
| Retained earnings to average equity (ytd only) | 7.0360% | 1,675 |
| Net charge-offs to loans | 0.0224% | 3,017 |
| Credit loss provision to net charge-offs | 945.8333% | 371 |
| Earnings coverage of net charge-offs (x) | 108.8722% | 657 |
| Efficiency ratio | 65.8221% | 3,240 |
| Assets per employee ($millions) | 4.2890% | 3,489 |
| Cash dividends to net income (ytd only)* | 9.0060% | 3,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 2,345 |
| Loan loss allowance to noncurrent loans | 25.4875% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 3.3563% | 246 |
| Noncurrent loans to loans | 5.1096% | 156 |
| Net loans and leases to total assets | 53.6371% | 4,442 |
| Net loans and leases to deposits | 61.6254% | 4,550 |
| Net loans and leases to core deposits | 68.6168% | 4,326 |
| Total domestic deposits to total assets | 87.0372% | 1,860 |
| Equity capital to assets | 12.1953% | 1,839 |
| Core capital (leverage) ratio | 12.4742% | 1,422 |
| Tier 1 risk-based capital ratio | 19.3600% | 1,507 |
| Total risk-based capital ratio | 20.4840% | 1,490 |
| Memoranda: | ||
| Average total assets | $256,948,500 | 2,456 |
| Average earning assets | $229,210,500 | 2,527 |
| Average equity | $31,399,750 | 2,274 |
| Average total loans | $142,558,250 | 2,760 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0704% | 2,936 |
| Cost of funding earning assets | 0.4402% | 2,689 |
| Net interest margin | 3.6302% | 2,911 |
| Noninterest income to average assets | 0.8962% | 1,282 |
| Noninterest expense to average assets | 2.7430% | 2,949 |
| Loan and lease loss provision to assets | 0.1189% | 1,727 |
| Net operating income to assets | 0.9665% | 2,580 |
| Return on assets (ROA) | 0.9671% | 2,630 |
| Pretax return on assets | 1.2695% | 2,496 |
| Return on Equity (ROE) | 7.9081% | 3,079 |
| Retained earnings to average equity (ytd only) | 6.8456% | 1,671 |
| Net charge-offs to loans | 0.0676% | 1,959 |
| Credit loss provision to net charge-offs | 314.5833% | 930 |
| Earnings coverage of net charge-offs (x) | 36.7083% | 1,320 |
| Efficiency ratio | 66.0439% | 3,346 |
| Assets per employee ($millions) | 4.1073% | 3,776 |
| Cash dividends to net income (ytd only)* | 13.4365% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 2,695 |
| Loan loss allowance to noncurrent loans | 25.5887% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 3.5171% | 226 |
| Noncurrent loans to loans | 4.8810% | 161 |
| Net loans and leases to total assets | 56.2350% | 4,206 |
| Net loans and leases to deposits | 65.1310% | 4,293 |
| Net loans and leases to core deposits | 74.2376% | 3,923 |
| Total domestic deposits to total assets | 86.3414% | 2,222 |
| Equity capital to assets | 12.7259% | 1,509 |
| Core capital (leverage) ratio | 12.6463% | 1,318 |
| Tier 1 risk-based capital ratio | 19.0536% | 1,589 |
| Total risk-based capital ratio | 20.1237% | 1,576 |
| Memoranda: | ||
| Average total assets | $253,959,670 | 2,488 |
| Average earning assets | $226,265,670 | 2,571 |
| Average equity | $31,056,670 | 2,297 |
| Average total loans | $141,907,330 | 2,779 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9177% | 3,332 |
| Cost of funding earning assets | 0.4402% | 2,612 |
| Net interest margin | 3.4775% | 3,366 |
| Noninterest income to average assets | 0.9841% | 1,038 |
| Noninterest expense to average assets | 2.6394% | 3,346 |
| Loan and lease loss provision to assets | 0.1173% | 1,629 |
| Net operating income to assets | 1.0250% | 2,196 |
| Return on assets (ROA) | 1.0310% | 2,214 |
| Pretax return on assets | 1.3377% | 2,108 |
| Return on Equity (ROE) | 8.6023% | 2,615 |
| Retained earnings to average equity (ytd only) | 8.6023% | 1,233 |
| Net charge-offs to loans | 0.0904% | 1,443 |
| Credit loss provision to net charge-offs | 234.3750% | 923 |
| Earnings coverage of net charge-offs (x) | 28.9063% | 1,241 |
| Efficiency ratio | 64.2420% | 3,788 |
| Assets per employee ($millions) | 4.2094% | 3,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2234% | 2,984 |
| Loan loss allowance to noncurrent loans | 25.7092% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 3.4747% | 246 |
| Noncurrent loans to loans | 4.7588% | 178 |
| Net loans and leases to total assets | 55.0464% | 4,252 |
| Net loans and leases to deposits | 63.4165% | 4,339 |
| Net loans and leases to core deposits | 72.7632% | 3,933 |
| Total domestic deposits to total assets | 86.8014% | 2,311 |
| Equity capital to assets | 12.3172% | 1,652 |
| Core capital (leverage) ratio | 12.3044% | 1,441 |
| Tier 1 risk-based capital ratio | 18.7308% | 1,684 |
| Total risk-based capital ratio | 19.7583% | 1,702 |
| Memoranda: | ||
| Average total assets | $255,667,000 | 2,499 |
| Average earning assets | $228,092,000 | 2,566 |
| Average equity | $30,643,000 | 2,324 |
| Average total loans | $141,523,000 | 2,795 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0986% | 2,862 |
| Cost of funding earning assets | 0.4854% | 2,202 |
| Net interest margin | 3.6132% | 3,029 |
| Noninterest income to average assets | 0.7479% | 1,962 |
| Noninterest expense to average assets | 2.7473% | 3,202 |
| Loan and lease loss provision to assets | 0.1654% | 1,487 |
| Net operating income to assets | 0.7969% | 3,317 |
| Return on assets (ROA) | 0.8333% | 3,250 |
| Pretax return on assets | 1.0694% | 3,220 |
| Return on Equity (ROE) | 6.8470% | 3,549 |
| Retained earnings to average equity (ytd only) | 4.5297% | 2,679 |
| Net charge-offs to loans | 0.4838% | 510 |
| Credit loss provision to net charge-offs | 61.0619% | 3,227 |
| Earnings coverage of net charge-offs (x) | 4.3864% | 3,507 |
| Efficiency ratio | 69.3940% | 3,012 |
| Assets per employee ($millions) | 4.1737% | 3,660 |
| Cash dividends to net income (ytd only)* | 33.8447% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1799% | 3,239 |
| Loan loss allowance to noncurrent loans | 36.1931% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 2.5977% | 448 |
| Noncurrent loans to loans | 3.2601% | 382 |
| Net loans and leases to total assets | 54.3407% | 4,416 |
| Net loans and leases to deposits | 62.0938% | 4,539 |
| Net loans and leases to core deposits | 71.3821% | 4,124 |
| Total domestic deposits to total assets | 87.5140% | 1,870 |
| Equity capital to assets | 11.6618% | 2,034 |
| Core capital (leverage) ratio | 11.9024% | 1,664 |
| Tier 1 risk-based capital ratio | 18.5810% | 1,703 |
| Total risk-based capital ratio | 19.5979% | 1,731 |
| Memoranda: | ||
| Average total assets | $250,316,600 | 2,506 |
| Average earning assets | $220,830,200 | 2,587 |
| Average equity | $30,465,800 | 2,320 |
| Average total loans | $140,138,000 | 2,777 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1276% | 2,772 |
| Cost of funding earning assets | 0.4925% | 2,151 |
| Net interest margin | 3.6351% | 2,945 |
| Noninterest income to average assets | 0.8487% | 1,580 |
| Noninterest expense to average assets | 2.9378% | 2,505 |
| Loan and lease loss provision to assets | 0.0983% | 2,257 |
| Net operating income to assets | 0.7934% | 3,398 |
| Return on assets (ROA) | 0.8316% | 3,357 |
| Pretax return on assets | 1.0615% | 3,389 |
| Return on Equity (ROE) | 6.7586% | 3,688 |
| Retained earnings to average equity (ytd only) | 6.1343% | 2,107 |
| Net charge-offs to loans | 0.1213% | 1,745 |
| Credit loss provision to net charge-offs | 144.0945% | 1,821 |
| Earnings coverage of net charge-offs (x) | 16.2834% | 2,123 |
| Efficiency ratio | 72.1242% | 2,564 |
| Assets per employee ($millions) | 4.1952% | 3,599 |
| Cash dividends to net income (ytd only)* | 9.2376% | 3,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4114% | 2,150 |
| Loan loss allowance to noncurrent loans | 36.1287% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 3.1107% | 358 |
| Noncurrent loans to loans | 3.9066% | 288 |
| Net loans and leases to total assets | 53.6840% | 4,519 |
| Net loans and leases to deposits | 61.6368% | 4,652 |
| Net loans and leases to core deposits | 71.5159% | 4,199 |
| Total domestic deposits to total assets | 87.0973% | 1,853 |
| Equity capital to assets | 12.0792% | 2,057 |
| Core capital (leverage) ratio | 12.0671% | 1,631 |
| Tier 1 risk-based capital ratio | 18.4474% | 1,800 |
| Total risk-based capital ratio | 19.6471% | 1,773 |
| Memoranda: | ||
| Average total assets | $248,203,500 | 2,532 |
| Average earning assets | $218,493,000 | 2,621 |
| Average equity | $30,538,000 | 2,327 |
| Average total loans | $139,598,500 | 2,793 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1257% | 2,762 |
| Cost of funding earning assets | 0.4964% | 2,130 |
| Net interest margin | 3.6294% | 2,977 |
| Noninterest income to average assets | 0.8549% | 1,527 |
| Noninterest expense to average assets | 3.0446% | 2,221 |
| Loan and lease loss provision to assets | 0.0991% | 2,180 |
| Net operating income to assets | 0.7387% | 3,613 |
| Return on assets (ROA) | 0.7943% | 3,475 |
| Pretax return on assets | 1.0089% | 3,545 |
| Return on Equity (ROE) | 6.4144% | 3,845 |
| Retained earnings to average equity (ytd only) | 5.4687% | 2,441 |
| Net charge-offs to loans | 0.1497% | 1,430 |
| Credit loss provision to net charge-offs | 116.3462% | 1,908 |
| Earnings coverage of net charge-offs (x) | 12.1827% | 2,202 |
| Efficiency ratio | 74.0822% | 2,346 |
| Assets per employee ($millions) | 3.8682% | 4,140 |
| Cash dividends to net income (ytd only)* | 14.7423% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3826% | 2,370 |
| Loan loss allowance to noncurrent loans | 32.3913% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 3.5684% | 293 |
| Noncurrent loans to loans | 4.2684% | 259 |
| Net loans and leases to total assets | 57.3678% | 4,182 |
| Net loans and leases to deposits | 66.3256% | 4,326 |
| Net loans and leases to core deposits | 76.4448% | 3,786 |
| Total domestic deposits to total assets | 86.4942% | 2,174 |
| Equity capital to assets | 12.6338% | 1,695 |
| Core capital (leverage) ratio | 12.3810% | 1,413 |
| Tier 1 risk-based capital ratio | 18.3400% | 1,842 |
| Total risk-based capital ratio | 19.5363% | 1,820 |
| Memoranda: | ||
| Average total assets | $244,238,000 | 2,575 |
| Average earning assets | $217,173,000 | 2,646 |
| Average equity | $30,244,670 | 2,350 |
| Average total loans | $138,921,000 | 2,809 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0217% | 3,146 |
| Cost of funding earning assets | 0.5069% | 2,051 |
| Net interest margin | 3.5148% | 3,408 |
| Noninterest income to average assets | 0.9570% | 1,169 |
| Noninterest expense to average assets | 2.9414% | 2,567 |
| Loan and lease loss provision to assets | 0.0998% | 2,026 |
| Net operating income to assets | 0.8339% | 3,067 |
| Return on assets (ROA) | 0.8949% | 2,906 |
| Pretax return on assets | 1.1108% | 3,052 |
| Return on Equity (ROE) | 7.2999% | 3,287 |
| Retained earnings to average equity (ytd only) | 7.2999% | 1,748 |
| Net charge-offs to loans | 0.2705% | 776 |
| Credit loss provision to net charge-offs | 65.5914% | 1,936 |
| Earnings coverage of net charge-offs (x) | 7.4624% | 2,148 |
| Efficiency ratio | 71.6693% | 2,847 |
| Assets per employee ($millions) | 3.9181% | 4,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 2,480 |
| Loan loss allowance to noncurrent loans | 31.7450% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 3.6534% | 295 |
| Noncurrent loans to loans | 4.3732% | 255 |
| Net loans and leases to total assets | 55.9081% | 4,265 |
| Net loans and leases to deposits | 64.5208% | 4,391 |
| Net loans and leases to core deposits | 76.1207% | 3,671 |
| Total domestic deposits to total assets | 86.6513% | 2,380 |
| Equity capital to assets | 12.4987% | 1,682 |
| Core capital (leverage) ratio | 12.1775% | 1,509 |
| Tier 1 risk-based capital ratio | 18.3782% | 1,887 |
| Total risk-based capital ratio | 19.5616% | 1,868 |
| Memoranda: | ||
| Average total assets | $244,509,000 | 2,585 |
| Average earning assets | $217,023,500 | 2,655 |
| Average equity | $29,973,000 | 2,370 |
| Average total loans | $137,500,000 | 2,832 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0112% | 3,272 |
| Cost of funding earning assets | 0.5549% | 1,721 |
| Net interest margin | 3.4564% | 3,691 |
| Noninterest income to average assets | 0.7535% | 1,965 |
| Noninterest expense to average assets | 2.7166% | 3,527 |
| Loan and lease loss provision to assets | 0.0992% | 2,326 |
| Net operating income to assets | 0.7923% | 3,367 |
| Return on assets (ROA) | 0.8054% | 3,396 |
| Pretax return on assets | 1.0054% | 3,455 |
| Return on Equity (ROE) | 6.7325% | 3,664 |
| Retained earnings to average equity (ytd only) | 1.6823% | 4,771 |
| Net charge-offs to loans | 0.5713% | 428 |
| Credit loss provision to net charge-offs | 31.9737% | 3,621 |
| Earnings coverage of net charge-offs (x) | 3.5079% | 3,718 |
| Efficiency ratio | 70.9688% | 3,075 |
| Assets per employee ($millions) | 4.0344% | 3,870 |
| Cash dividends to net income (ytd only)* | 75.0127% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4154% | 2,350 |
| Loan loss allowance to noncurrent loans | 29.9199% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 3.7550% | 290 |
| Noncurrent loans to loans | 4.7307% | 216 |
| Net loans and leases to total assets | 54.9915% | 4,391 |
| Net loans and leases to deposits | 63.0642% | 4,535 |
| Net loans and leases to core deposits | 74.3329% | 3,906 |
| Total domestic deposits to total assets | 87.1993% | 2,034 |
| Equity capital to assets | 12.0213% | 1,939 |
| Core capital (leverage) ratio | 11.7326% | 1,795 |
| Tier 1 risk-based capital ratio | 18.0627% | 1,950 |
| Total risk-based capital ratio | 19.2678% | 1,918 |
| Memoranda: | ||
| Average total assets | $244,977,800 | 2,541 |
| Average earning assets | $216,267,400 | 2,619 |
| Average equity | $29,305,800 | 2,368 |
| Average total loans | $133,030,400 | 2,845 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9873% | 3,389 |
| Cost of funding earning assets | 0.5588% | 1,726 |
| Net interest margin | 3.4285% | 3,843 |
| Noninterest income to average assets | 0.8091% | 1,774 |
| Noninterest expense to average assets | 2.8028% | 3,179 |
| Loan and lease loss provision to assets | 0.0719% | 2,738 |
| Net operating income to assets | 0.7448% | 3,703 |
| Return on assets (ROA) | 0.7601% | 3,733 |
| Pretax return on assets | 0.9693% | 3,746 |
| Return on Equity (ROE) | 6.3618% | 3,978 |
| Retained earnings to average equity (ytd only) | 1.0261% | 5,307 |
| Net charge-offs to loans | 0.3849% | 671 |
| Credit loss provision to net charge-offs | 34.6457% | 3,222 |
| Earnings coverage of net charge-offs (x) | 4.9212% | 3,277 |
| Efficiency ratio | 72.8594% | 2,742 |
| Assets per employee ($millions) | 4.1731% | 3,578 |
| Cash dividends to net income (ytd only)* | 83.8711% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6353% | 1,653 |
| Loan loss allowance to noncurrent loans | 30.4114% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 4.0525% | 288 |
| Noncurrent loans to loans | 5.3772% | 172 |
| Net loans and leases to total assets | 51.3798% | 4,814 |
| Net loans and leases to deposits | 58.5594% | 4,949 |
| Net loans and leases to core deposits | 67.4800% | 4,584 |
| Total domestic deposits to total assets | 87.7397% | 1,689 |
| Equity capital to assets | 11.3825% | 2,603 |
| Core capital (leverage) ratio | 11.7506% | 1,857 |
| Tier 1 risk-based capital ratio | 17.8810% | 2,056 |
| Total risk-based capital ratio | 19.1324% | 2,027 |
| Memoranda: | ||
| Average total assets | $244,698,250 | 2,561 |
| Average earning assets | $215,213,250 | 2,647 |
| Average equity | $29,236,250 | 2,389 |
| Average total loans | $131,969,250 | 2,872 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0274% | 3,174 |
| Cost of funding earning assets | 0.5622% | 1,709 |
| Net interest margin | 3.4653% | 3,641 |
| Noninterest income to average assets | 0.8349% | 1,650 |
| Noninterest expense to average assets | 2.8706% | 2,997 |
| Loan and lease loss provision to assets | 0.0592% | 2,917 |
| Net operating income to assets | 0.7813% | 3,480 |
| Return on assets (ROA) | 0.7966% | 3,501 |
| Pretax return on assets | 0.9907% | 3,620 |
| Return on Equity (ROE) | 6.5558% | 3,853 |
| Retained earnings to average equity (ytd only) | -1.4675% | 5,765 |
| Net charge-offs to loans | 0.2887% | 905 |
| Credit loss provision to net charge-offs | 37.5661% | 2,843 |
| Earnings coverage of net charge-offs (x) | 6.5450% | 2,770 |
| Efficiency ratio | 73.1739% | 2,805 |
| Assets per employee ($millions) | 3.8408% | 4,188 |
| Cash dividends to net income (ytd only)* | 122.3849% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7302% | 1,538 |
| Loan loss allowance to noncurrent loans | 33.2010% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 4.3657% | 278 |
| Noncurrent loans to loans | 5.2113% | 210 |
| Net loans and leases to total assets | 55.8355% | 4,357 |
| Net loans and leases to deposits | 65.0513% | 4,433 |
| Net loans and leases to core deposits | 76.5019% | 3,717 |
| Total domestic deposits to total assets | 85.8329% | 2,780 |
| Equity capital to assets | 12.0875% | 1,958 |
| Core capital (leverage) ratio | 11.8451% | 1,749 |
| Tier 1 risk-based capital ratio | 17.7045% | 2,156 |
| Total risk-based capital ratio | 18.9568% | 2,102 |
| Memoranda: | ||
| Average total assets | $240,021,000 | 2,611 |
| Average earning assets | $212,393,670 | 2,689 |
| Average equity | $29,165,000 | 2,404 |
| Average total loans | $130,910,670 | 2,892 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9864% | 3,276 |
| Cost of funding earning assets | 0.5716% | 1,647 |
| Net interest margin | 3.4148% | 3,784 |
| Noninterest income to average assets | 0.8283% | 1,608 |
| Noninterest expense to average assets | 2.8303% | 3,137 |
| Loan and lease loss provision to assets | 0.0515% | 2,908 |
| Net operating income to assets | 0.7589% | 3,494 |
| Return on assets (ROA) | 0.7603% | 3,620 |
| Pretax return on assets | 0.9528% | 3,679 |
| Return on Equity (ROE) | 6.2407% | 3,907 |
| Retained earnings to average equity (ytd only) | 6.2407% | 2,361 |
| Net charge-offs to loans | 0.0031% | 3,213 |
| Credit loss provision to net charge-offs | 3,100.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 604.0000% | 87 |
| Efficiency ratio | 73.4517% | 2,912 |
| Assets per employee ($millions) | 4.0575% | 3,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9210% | 1,241 |
| Loan loss allowance to noncurrent loans | 32.5445% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 4.3537% | 315 |
| Noncurrent loans to loans | 5.9027% | 185 |
| Net loans and leases to total assets | 52.1999% | 4,646 |
| Net loans and leases to deposits | 60.1219% | 4,740 |
| Net loans and leases to core deposits | 69.4523% | 4,206 |
| Total domestic deposits to total assets | 86.8234% | 2,471 |
| Equity capital to assets | 12.2400% | 1,863 |
| Core capital (leverage) ratio | 12.0012% | 1,638 |
| Tier 1 risk-based capital ratio | 18.5861% | 1,975 |
| Total risk-based capital ratio | 19.8355% | 1,931 |
| Memoranda: | ||
| Average total assets | $240,966,500 | 2,629 |
| Average earning assets | $212,020,500 | 2,710 |
| Average equity | $29,355,500 | 2,405 |
| Average total loans | $128,715,000 | 2,930 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0871% | 3,371 |
| Cost of funding earning assets | 0.6391% | 1,484 |
| Net interest margin | 3.4480% | 3,992 |
| Noninterest income to average assets | 0.7263% | 2,183 |
| Noninterest expense to average assets | 2.7259% | 3,767 |
| Loan and lease loss provision to assets | 0.0333% | 3,928 |
| Net operating income to assets | 0.7730% | 3,506 |
| Return on assets (ROA) | 0.7744% | 3,593 |
| Pretax return on assets | 0.9536% | 3,672 |
| Return on Equity (ROE) | 6.7147% | 3,784 |
| Retained earnings to average equity (ytd only) | 5.1964% | 2,469 |
| Net charge-offs to loans | 0.5898% | 678 |
| Credit loss provision to net charge-offs | 10.5469% | 4,097 |
| Earnings coverage of net charge-offs (x) | 3.1211% | 3,972 |
| Efficiency ratio | 72.6659% | 3,093 |
| Assets per employee ($millions) | 3.9096% | 4,145 |
| Cash dividends to net income (ytd only)* | 22.6115% | 3,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9239% | 1,259 |
| Loan loss allowance to noncurrent loans | 32.5612% | 5,588 |
| Noncurrent assets plus other real estate owned to assets | 4.4585% | 351 |
| Noncurrent loans to loans | 5.9087% | 202 |
| Net loans and leases to total assets | 52.5825% | 4,729 |
| Net loans and leases to deposits | 60.4277% | 4,868 |
| Net loans and leases to core deposits | 72.0415% | 4,117 |
| Total domestic deposits to total assets | 87.0173% | 2,277 |
| Equity capital to assets | 12.1236% | 1,932 |
| Core capital (leverage) ratio | 11.7517% | 1,794 |
| Tier 1 risk-based capital ratio | 19.4726% | 1,732 |
| Total risk-based capital ratio | 20.7277% | 1,697 |
| Memoranda: | ||
| Average total assets | $243,299,000 | 2,588 |
| Average earning assets | $210,615,200 | 2,702 |
| Average equity | $28,058,000 | 2,405 |
| Average total loans | $130,220,000 | 2,862 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0846% | 3,438 |
| Cost of funding earning assets | 0.6521% | 1,449 |
| Net interest margin | 3.4325% | 4,098 |
| Noninterest income to average assets | 0.6669% | 2,491 |
| Noninterest expense to average assets | 2.7855% | 3,518 |
| Loan and lease loss provision to assets | 0.0278% | 3,848 |
| Net operating income to assets | 0.6992% | 3,942 |
| Return on assets (ROA) | 0.7002% | 4,035 |
| Pretax return on assets | 0.8169% | 4,303 |
| Return on Equity (ROE) | 6.1483% | 4,159 |
| Retained earnings to average equity (ytd only) | 5.6120% | 2,661 |
| Net charge-offs to loans | 0.5983% | 622 |
| Credit loss provision to net charge-offs | 8.6882% | 3,721 |
| Earnings coverage of net charge-offs (x) | 2.6354% | 3,862 |
| Efficiency ratio | 75.8227% | 2,523 |
| Assets per employee ($millions) | 4.0665% | 3,742 |
| Cash dividends to net income (ytd only)* | 8.7228% | 3,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0120% | 1,238 |
| Loan loss allowance to noncurrent loans | 27.5742% | 5,791 |
| Noncurrent assets plus other real estate owned to assets | 4.9658% | 350 |
| Noncurrent loans to loans | 7.2965% | 155 |
| Net loans and leases to total assets | 50.4365% | 4,958 |
| Net loans and leases to deposits | 57.4927% | 5,143 |
| Net loans and leases to core deposits | 72.1083% | 4,144 |
| Total domestic deposits to total assets | 87.7267% | 1,909 |
| Equity capital to assets | 11.3563% | 2,621 |
| Core capital (leverage) ratio | 11.4885% | 2,076 |
| Tier 1 risk-based capital ratio | 18.9999% | 1,904 |
| Total risk-based capital ratio | 20.2562% | 1,870 |
| Memoranda: | ||
| Average total assets | $244,502,250 | 2,589 |
| Average earning assets | $210,997,250 | 2,719 |
| Average equity | $27,844,250 | 2,432 |
| Average total loans | $130,809,500 | 2,858 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0409% | 3,583 |
| Cost of funding earning assets | 0.6902% | 1,239 |
| Net interest margin | 3.3507% | 4,399 |
| Noninterest income to average assets | 0.6381% | 2,612 |
| Noninterest expense to average assets | 2.7963% | 3,525 |
| Loan and lease loss provision to assets | 0.0165% | 3,929 |
| Net operating income to assets | 0.6397% | 4,155 |
| Return on assets (ROA) | 0.6389% | 4,261 |
| Pretax return on assets | 0.7216% | 4,568 |
| Return on Equity (ROE) | 5.6052% | 4,382 |
| Retained earnings to average equity (ytd only) | 4.7930% | 3,092 |
| Net charge-offs to loans | 0.8677% | 425 |
| Credit loss provision to net charge-offs | 3.5149% | 3,373 |
| Earnings coverage of net charge-offs (x) | 1.5712% | 3,770 |
| Efficiency ratio | 78.0687% | 2,280 |
| Assets per employee ($millions) | 4.0207% | 3,793 |
| Cash dividends to net income (ytd only)* | 14.4890% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9806% | 1,395 |
| Loan loss allowance to noncurrent loans | 28.1108% | 5,829 |
| Noncurrent assets plus other real estate owned to assets | 5.2504% | 327 |
| Noncurrent loans to loans | 7.0457% | 171 |
| Net loans and leases to total assets | 54.2003% | 4,518 |
| Net loans and leases to deposits | 62.1296% | 4,677 |
| Net loans and leases to core deposits | 79.2283% | 3,298 |
| Total domestic deposits to total assets | 87.2376% | 2,332 |
| Equity capital to assets | 11.8489% | 2,105 |
| Core capital (leverage) ratio | 11.6199% | 1,909 |
| Tier 1 risk-based capital ratio | 18.6392% | 2,024 |
| Total risk-based capital ratio | 19.8953% | 1,979 |
| Memoranda: | ||
| Average total assets | $241,961,330 | 2,621 |
| Average earning assets | $209,210,670 | 2,748 |
| Average equity | $27,581,670 | 2,436 |
| Average total loans | $131,154,670 | 2,853 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9800% | 3,770 |
| Cost of funding earning assets | 0.7302% | 1,075 |
| Net interest margin | 3.2498% | 4,745 |
| Noninterest income to average assets | 0.6892% | 2,227 |
| Noninterest expense to average assets | 2.7815% | 3,634 |
| Loan and lease loss provision to assets | 0.0327% | 3,391 |
| Net operating income to assets | 0.5988% | 4,207 |
| Return on assets (ROA) | 0.6090% | 4,233 |
| Pretax return on assets | 0.6843% | 4,540 |
| Return on Equity (ROE) | 5.4469% | 4,304 |
| Retained earnings to average equity (ytd only) | 5.4469% | 2,816 |
| Net charge-offs to loans | 0.1403% | 1,879 |
| Credit loss provision to net charge-offs | 43.4783% | 2,272 |
| Earnings coverage of net charge-offs (x) | 9.3696% | 1,938 |
| Efficiency ratio | 78.7324% | 2,370 |
| Assets per employee ($millions) | 4.1332% | 3,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4011% | 908 |
| Loan loss allowance to noncurrent loans | 31.4237% | 5,819 |
| Noncurrent assets plus other real estate owned to assets | 5.4401% | 356 |
| Noncurrent loans to loans | 7.6409% | 184 |
| Net loans and leases to total assets | 51.1563% | 4,773 |
| Net loans and leases to deposits | 59.7858% | 4,786 |
| Net loans and leases to core deposits | 76.7745% | 3,332 |
| Total domestic deposits to total assets | 85.5660% | 3,580 |
| Equity capital to assets | 11.1355% | 2,587 |
| Core capital (leverage) ratio | 11.1801% | 2,240 |
| Tier 1 risk-based capital ratio | 18.0632% | 2,270 |
| Total risk-based capital ratio | 19.3233% | 2,243 |
| Memoranda: | ||
| Average total assets | $244,332,000 | 2,604 |
| Average earning assets | $210,352,500 | 2,751 |
| Average equity | $27,318,500 | 2,449 |
| Average total loans | $131,146,000 | 2,860 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2152% | 3,292 |
| Cost of funding earning assets | 0.8255% | 1,061 |
| Net interest margin | 3.3898% | 4,317 |
| Noninterest income to average assets | 0.7199% | 2,430 |
| Noninterest expense to average assets | 2.6990% | 4,094 |
| Loan and lease loss provision to assets | 0.0813% | 3,488 |
| Net operating income to assets | 0.7118% | 3,745 |
| Return on assets (ROA) | 0.7634% | 3,573 |
| Pretax return on assets | 0.8993% | 3,771 |
| Return on Equity (ROE) | 6.9185% | 3,603 |
| Retained earnings to average equity (ytd only) | 5.4232% | 2,333 |
| Net charge-offs to loans | 0.5488% | 1,205 |
| Credit loss provision to net charge-offs | 27.1978% | 4,310 |
| Earnings coverage of net charge-offs (x) | 3.0783% | 3,960 |
| Efficiency ratio | 73.5738% | 3,203 |
| Assets per employee ($millions) | 4.0792% | 3,697 |
| Cash dividends to net income (ytd only)* | 21.6129% | 3,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3785% | 951 |
| Loan loss allowance to noncurrent loans | 34.4047% | 5,807 |
| Noncurrent assets plus other real estate owned to assets | 5.3276% | 419 |
| Noncurrent loans to loans | 6.9134% | 246 |
| Net loans and leases to total assets | 53.6666% | 4,628 |
| Net loans and leases to deposits | 62.8123% | 4,636 |
| Net loans and leases to core deposits | 75.7063% | 3,637 |
| Total domestic deposits to total assets | 85.4396% | 3,536 |
| Equity capital to assets | 11.2277% | 2,402 |
| Core capital (leverage) ratio | 10.8764% | 2,501 |
| Tier 1 risk-based capital ratio | 17.6464% | 2,361 |
| Total risk-based capital ratio | 18.9065% | 2,332 |
| Memoranda: | ||
| Average total assets | $243,647,200 | 2,589 |
| Average earning assets | $208,363,400 | 2,740 |
| Average equity | $26,884,600 | 2,468 |
| Average total loans | $132,658,600 | 2,810 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2192% | 3,314 |
| Cost of funding earning assets | 0.8384% | 1,107 |
| Net interest margin | 3.3809% | 4,352 |
| Noninterest income to average assets | 0.7414% | 2,411 |
| Noninterest expense to average assets | 2.7714% | 3,757 |
| Loan and lease loss provision to assets | 0.0857% | 3,346 |
| Net operating income to assets | 0.6588% | 4,077 |
| Return on assets (ROA) | 0.7174% | 3,898 |
| Pretax return on assets | 0.8391% | 4,147 |
| Return on Equity (ROE) | 6.5299% | 3,915 |
| Retained earnings to average equity (ytd only) | 5.9737% | 2,428 |
| Net charge-offs to loans | 0.3315% | 1,885 |
| Credit loss provision to net charge-offs | 47.5758% | 3,566 |
| Earnings coverage of net charge-offs (x) | 4.7576% | 3,360 |
| Efficiency ratio | 75.3835% | 2,830 |
| Assets per employee ($millions) | 4.2676% | 3,291 |
| Cash dividends to net income (ytd only)* | 8.5171% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6452% | 789 |
| Loan loss allowance to noncurrent loans | 38.9463% | 5,667 |
| Noncurrent assets plus other real estate owned to assets | 4.9501% | 565 |
| Noncurrent loans to loans | 6.7920% | 316 |
| Net loans and leases to total assets | 50.3640% | 5,100 |
| Net loans and leases to deposits | 58.3846% | 5,149 |
| Net loans and leases to core deposits | 70.1205% | 4,305 |
| Total domestic deposits to total assets | 86.2624% | 3,100 |
| Equity capital to assets | 10.5352% | 3,233 |
| Core capital (leverage) ratio | 10.8088% | 2,659 |
| Tier 1 risk-based capital ratio | 17.5239% | 2,497 |
| Total risk-based capital ratio | 18.7866% | 2,464 |
| Memoranda: | ||
| Average total assets | $244,390,750 | 2,596 |
| Average earning assets | $208,658,000 | 2,754 |
| Average equity | $26,850,250 | 2,496 |
| Average total loans | $132,746,250 | 2,825 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2854% | 3,015 |
| Cost of funding earning assets | 0.8672% | 1,046 |
| Net interest margin | 3.4182% | 4,122 |
| Noninterest income to average assets | 0.7917% | 2,226 |
| Noninterest expense to average assets | 2.7917% | 3,701 |
| Loan and lease loss provision to assets | 0.0798% | 3,460 |
| Net operating income to assets | 0.7168% | 3,732 |
| Return on assets (ROA) | 0.7168% | 3,902 |
| Pretax return on assets | 0.8341% | 4,180 |
| Return on Equity (ROE) | 6.4308% | 3,917 |
| Retained earnings to average equity (ytd only) | 5.5953% | 2,677 |
| Net charge-offs to loans | 0.4321% | 1,500 |
| Credit loss provision to net charge-offs | 33.4495% | 3,527 |
| Earnings coverage of net charge-offs (x) | 3.8293% | 3,288 |
| Efficiency ratio | 74.3492% | 3,063 |
| Assets per employee ($millions) | 4.0074% | 3,780 |
| Cash dividends to net income (ytd only)* | 12.9930% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6183% | 865 |
| Loan loss allowance to noncurrent loans | 35.0845% | 5,835 |
| Noncurrent assets plus other real estate owned to assets | 5.8722% | 472 |
| Noncurrent loans to loans | 7.4628% | 298 |
| Net loans and leases to total assets | 54.8366% | 4,473 |
| Net loans and leases to deposits | 64.2873% | 4,465 |
| Net loans and leases to core deposits | 78.3957% | 3,241 |
| Total domestic deposits to total assets | 85.2993% | 3,743 |
| Equity capital to assets | 11.2491% | 2,524 |
| Core capital (leverage) ratio | 11.0187% | 2,336 |
| Tier 1 risk-based capital ratio | 17.1241% | 2,671 |
| Total risk-based capital ratio | 18.3864% | 2,638 |
| Memoranda: | ||
| Average total assets | $240,502,330 | 2,646 |
| Average earning assets | $205,019,670 | 2,811 |
| Average equity | $26,808,330 | 2,508 |
| Average total loans | $132,840,330 | 2,824 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2239% | 3,202 |
| Cost of funding earning assets | 0.8910% | 1,031 |
| Net interest margin | 3.3329% | 4,389 |
| Noninterest income to average assets | 0.7702% | 2,254 |
| Noninterest expense to average assets | 2.7048% | 4,036 |
| Loan and lease loss provision to assets | 0.0742% | 3,389 |
| Net operating income to assets | 0.7273% | 3,554 |
| Return on assets (ROA) | 0.7273% | 3,690 |
| Pretax return on assets | 0.8477% | 3,959 |
| Return on Equity (ROE) | 6.5542% | 3,736 |
| Retained earnings to average equity (ytd only) | 6.5542% | 2,390 |
| Net charge-offs to loans | 0.8501% | 711 |
| Credit loss provision to net charge-offs | 15.9574% | 3,092 |
| Earnings coverage of net charge-offs (x) | 1.9823% | 3,176 |
| Efficiency ratio | 73.5789% | 3,335 |
| Assets per employee ($millions) | 4.1118% | 3,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6026% | 1,008 |
| Loan loss allowance to noncurrent loans | 33.6760% | 5,888 |
| Noncurrent assets plus other real estate owned to assets | 5.8327% | 560 |
| Noncurrent loans to loans | 7.7283% | 354 |
| Net loans and leases to total assets | 53.0653% | 4,547 |
| Net loans and leases to deposits | 62.1199% | 4,527 |
| Net loans and leases to core deposits | 77.6308% | 3,122 |
| Total domestic deposits to total assets | 85.4241% | 3,832 |
| Equity capital to assets | 11.2090% | 2,726 |
| Core capital (leverage) ratio | 10.8169% | 2,441 |
| Tier 1 risk-based capital ratio | 17.0400% | 2,728 |
| Total risk-based capital ratio | 18.3024% | 2,698 |
| Memoranda: | ||
| Average total assets | $242,535,000 | 2,653 |
| Average earning assets | $207,864,000 | 2,804 |
| Average equity | $26,914,000 | 2,534 |
| Average total loans | $132,690,500 | 2,850 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4635% | 3,553 |
| Cost of funding earning assets | 1.0221% | 1,240 |
| Net interest margin | 3.4414% | 4,732 |
| Noninterest income to average assets | 0.8653% | 1,970 |
| Noninterest expense to average assets | 2.7798% | 4,107 |
| Loan and lease loss provision to assets | 0.1279% | 4,011 |
| Net operating income to assets | 0.7971% | 3,300 |
| Return on assets (ROA) | 0.7599% | 3,707 |
| Pretax return on assets | 0.8681% | 4,035 |
| Return on Equity (ROE) | 7.2887% | 3,468 |
| Retained earnings to average equity (ytd only) | 5.7607% | 2,215 |
| Net charge-offs to loans | 0.2889% | 3,214 |
| Credit loss provision to net charge-offs | 80.9160% | 3,798 |
| Earnings coverage of net charge-offs (x) | 6.5674% | 2,787 |
| Efficiency ratio | 71.8681% | 3,436 |
| Assets per employee ($millions) | 3.9108% | 4,127 |
| Cash dividends to net income (ytd only)* | 20.9635% | 3,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7604% | 863 |
| Loan loss allowance to noncurrent loans | 37.7593% | 5,733 |
| Noncurrent assets plus other real estate owned to assets | 5.7912% | 617 |
| Noncurrent loans to loans | 7.3105% | 421 |
| Net loans and leases to total assets | 53.4200% | 4,703 |
| Net loans and leases to deposits | 62.3693% | 4,743 |
| Net loans and leases to core deposits | 73.1780% | 3,895 |
| Total domestic deposits to total assets | 85.6511% | 3,528 |
| Equity capital to assets | 10.9848% | 2,968 |
| Core capital (leverage) ratio | 10.3830% | 2,909 |
| Tier 1 risk-based capital ratio | 16.6761% | 2,802 |
| Total risk-based capital ratio | 17.9405% | 2,773 |
| Memoranda: | ||
| Average total assets | $248,576,200 | 2,543 |
| Average earning assets | $213,283,200 | 2,698 |
| Average equity | $25,916,800 | 2,578 |
| Average total loans | $136,036,800 | 2,770 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4954% | 3,654 |
| Cost of funding earning assets | 1.0312% | 1,387 |
| Net interest margin | 3.4642% | 4,790 |
| Noninterest income to average assets | 0.8519% | 2,027 |
| Noninterest expense to average assets | 2.8014% | 3,975 |
| Loan and lease loss provision to assets | 0.1050% | 4,259 |
| Net operating income to assets | 0.7737% | 3,582 |
| Return on assets (ROA) | 0.7271% | 4,037 |
| Pretax return on assets | 0.8663% | 4,236 |
| Return on Equity (ROE) | 7.0661% | 3,768 |
| Retained earnings to average equity (ytd only) | 6.4652% | 2,397 |
| Net charge-offs to loans | 0.1414% | 3,986 |
| Credit loss provision to net charge-offs | 135.8621% | 2,121 |
| Earnings coverage of net charge-offs (x) | 13.2827% | 1,927 |
| Efficiency ratio | 72.2462% | 3,280 |
| Assets per employee ($millions) | 4.1489% | 3,578 |
| Cash dividends to net income (ytd only)* | 8.5043% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8110% | 876 |
| Loan loss allowance to noncurrent loans | 34.8799% | 5,897 |
| Noncurrent assets plus other real estate owned to assets | 5.8096% | 712 |
| Noncurrent loans to loans | 8.0592% | 383 |
| Net loans and leases to total assets | 51.1293% | 5,169 |
| Net loans and leases to deposits | 59.2123% | 5,294 |
| Net loans and leases to core deposits | 70.6189% | 4,418 |
| Total domestic deposits to total assets | 86.3492% | 3,061 |
| Equity capital to assets | 10.3137% | 4,064 |
| Core capital (leverage) ratio | 10.0597% | 3,458 |
| Tier 1 risk-based capital ratio | 16.5857% | 2,949 |
| Total risk-based capital ratio | 17.8505% | 2,911 |
| Memoranda: | ||
| Average total assets | $250,102,500 | 2,553 |
| Average earning assets | $214,880,250 | 2,702 |
| Average equity | $25,737,250 | 2,615 |
| Average total loans | $136,744,750 | 2,796 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5484% | 3,569 |
| Cost of funding earning assets | 1.0626% | 1,397 |
| Net interest margin | 3.4858% | 4,736 |
| Noninterest income to average assets | 0.7823% | 2,277 |
| Noninterest expense to average assets | 2.8249% | 3,923 |
| Loan and lease loss provision to assets | 0.1058% | 4,204 |
| Net operating income to assets | 0.7367% | 3,666 |
| Return on assets (ROA) | 0.6531% | 4,353 |
| Pretax return on assets | 0.7508% | 4,650 |
| Return on Equity (ROE) | 6.3518% | 4,127 |
| Retained earnings to average equity (ytd only) | 5.4411% | 3,021 |
| Net charge-offs to loans | 0.2084% | 3,322 |
| Credit loss provision to net charge-offs | 91.6084% | 2,991 |
| Earnings coverage of net charge-offs (x) | 8.2517% | 2,330 |
| Efficiency ratio | 73.8406% | 3,103 |
| Assets per employee ($millions) | 3.8897% | 4,099 |
| Cash dividends to net income (ytd only)* | 14.3387% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6759% | 1,067 |
| Loan loss allowance to noncurrent loans | 36.7893% | 5,831 |
| Noncurrent assets plus other real estate owned to assets | 6.1081% | 691 |
| Noncurrent loans to loans | 7.2735% | 520 |
| Net loans and leases to total assets | 55.5099% | 4,540 |
| Net loans and leases to deposits | 64.5734% | 4,688 |
| Net loans and leases to core deposits | 78.0455% | 3,508 |
| Total domestic deposits to total assets | 85.9641% | 3,369 |
| Equity capital to assets | 10.5525% | 3,618 |
| Core capital (leverage) ratio | 9.9080% | 3,558 |
| Tier 1 risk-based capital ratio | 16.0829% | 3,127 |
| Total risk-based capital ratio | 17.3455% | 3,088 |
| Memoranda: | ||
| Average total assets | $247,726,670 | 2,572 |
| Average earning assets | $212,865,330 | 2,724 |
| Average equity | $25,473,000 | 2,620 |
| Average total loans | $137,218,330 | 2,794 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6472% | 3,282 |
| Cost of funding earning assets | 1.0870% | 1,467 |
| Net interest margin | 3.5603% | 4,440 |
| Noninterest income to average assets | 0.7066% | 2,633 |
| Noninterest expense to average assets | 2.8169% | 3,960 |
| Loan and lease loss provision to assets | 0.0739% | 4,479 |
| Net operating income to assets | 0.7673% | 3,532 |
| Return on assets (ROA) | 0.6231% | 4,454 |
| Pretax return on assets | 0.7082% | 4,763 |
| Return on Equity (ROE) | 6.1392% | 4,219 |
| Retained earnings to average equity (ytd only) | 6.1392% | 2,879 |
| Net charge-offs to loans | 0.0118% | 4,542 |
| Credit loss provision to net charge-offs | 1,150.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 147.2500% | 248 |
| Efficiency ratio | 73.9223% | 3,108 |
| Assets per employee ($millions) | 4.0405% | 3,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7366% | 1,076 |
| Loan loss allowance to noncurrent loans | 145.7549% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 2.9723% | 1,948 |
| Noncurrent loans to loans | 1.8776% | 3,304 |
| Net loans and leases to total assets | 52.9731% | 4,887 |
| Net loans and leases to deposits | 61.1097% | 5,031 |
| Net loans and leases to core deposits | 71.8402% | 4,178 |
| Total domestic deposits to total assets | 86.6852% | 3,124 |
| Equity capital to assets | 10.0243% | 4,095 |
| Core capital (leverage) ratio | 9.7322% | 3,734 |
| Tier 1 risk-based capital ratio | 16.0007% | 3,178 |
| Total risk-based capital ratio | 17.2649% | 3,136 |
| Memoranda: | ||
| Average total assets | $249,065,000 | 2,568 |
| Average earning assets | $213,804,000 | 2,727 |
| Average equity | $25,280,000 | 2,642 |
| Average total loans | $135,944,000 | 2,838 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9212% | 3,261 |
| Cost of funding earning assets | 1.1656% | 2,246 |
| Net interest margin | 3.7556% | 4,053 |
| Noninterest income to average assets | 0.7537% | 2,319 |
| Noninterest expense to average assets | 2.7544% | 4,538 |
| Loan and lease loss provision to assets | 0.1194% | 5,105 |
| Net operating income to assets | 0.9581% | 2,373 |
| Return on assets (ROA) | 0.7962% | 3,221 |
| Pretax return on assets | 0.8948% | 3,620 |
| Return on Equity (ROE) | 7.8687% | 2,978 |
| Retained earnings to average equity (ytd only) | 6.2646% | 1,871 |
| Net charge-offs to loans | 0.4572% | 3,155 |
| Credit loss provision to net charge-offs | 46.5909% | 5,502 |
| Earnings coverage of net charge-offs (x) | 4.6656% | 3,026 |
| Efficiency ratio | 68.7842% | 4,195 |
| Assets per employee ($millions) | 3.9287% | 4,012 |
| Cash dividends to net income (ytd only)* | 20.3868% | 3,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8158% | 961 |
| Loan loss allowance to noncurrent loans | 134.0000% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 3.8197% | 1,510 |
| Noncurrent loans to loans | 2.1013% | 3,064 |
| Net loans and leases to total assets | 53.1649% | 5,146 |
| Net loans and leases to deposits | 61.5745% | 5,299 |
| Net loans and leases to core deposits | 72.1016% | 4,518 |
| Total domestic deposits to total assets | 86.3424% | 3,118 |
| Equity capital to assets | 10.2813% | 3,810 |
| Core capital (leverage) ratio | 9.6683% | 3,783 |
| Tier 1 risk-based capital ratio | 16.0647% | 3,011 |
| Total risk-based capital ratio | 17.3293% | 2,962 |
| Memoranda: | ||
| Average total assets | $240,270,200 | 2,632 |
| Average earning assets | $204,523,600 | 2,796 |
| Average equity | $24,311,400 | 2,637 |
| Average total loans | $134,719,200 | 2,904 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9677% | 3,259 |
| Cost of funding earning assets | 1.1716% | 2,499 |
| Net interest margin | 3.7961% | 3,897 |
| Noninterest income to average assets | 0.7840% | 2,123 |
| Noninterest expense to average assets | 2.9445% | 3,760 |
| Loan and lease loss provision to assets | 0.0785% | 5,461 |
| Net operating income to assets | 0.7957% | 3,186 |
| Return on assets (ROA) | 0.7957% | 3,350 |
| Pretax return on assets | 0.9923% | 3,430 |
| Return on Equity (ROE) | 7.8964% | 3,080 |
| Retained earnings to average equity (ytd only) | 7.2830% | 1,819 |
| Net charge-offs to loans | 0.1145% | 4,875 |
| Credit loss provision to net charge-offs | 121.5517% | 2,667 |
| Earnings coverage of net charge-offs (x) | 16.5779% | 1,393 |
| Efficiency ratio | 72.4033% | 3,473 |
| Assets per employee ($millions) | 4.1145% | 3,611 |
| Cash dividends to net income (ytd only)* | 7.7678% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0089% | 857 |
| Loan loss allowance to noncurrent loans | 134.3147% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 3.8809% | 1,588 |
| Noncurrent loans to loans | 2.2402% | 3,062 |
| Net loans and leases to total assets | 51.8852% | 5,463 |
| Net loans and leases to deposits | 59.7031% | 5,668 |
| Net loans and leases to core deposits | 68.0299% | 5,177 |
| Total domestic deposits to total assets | 86.9053% | 2,713 |
| Equity capital to assets | 9.7751% | 4,660 |
| Core capital (leverage) ratio | 9.6925% | 3,863 |
| Tier 1 risk-based capital ratio | 15.7043% | 3,275 |
| Total risk-based capital ratio | 16.9723% | 3,228 |
| Memoranda: | ||
| Average total assets | $239,443,250 | 2,651 |
| Average earning assets | $203,819,000 | 2,810 |
| Average equity | $24,128,500 | 2,659 |
| Average total loans | $135,086,500 | 2,919 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0831% | 2,759 |
| Cost of funding earning assets | 1.2021% | 2,570 |
| Net interest margin | 3.8810% | 3,390 |
| Noninterest income to average assets | 0.7395% | 2,328 |
| Noninterest expense to average assets | 3.0569% | 3,402 |
| Loan and lease loss provision to assets | 0.0512% | 5,673 |
| Net operating income to assets | 0.7693% | 3,204 |
| Return on assets (ROA) | 0.7693% | 3,338 |
| Pretax return on assets | 0.9256% | 3,531 |
| Return on Equity (ROE) | 7.5526% | 3,168 |
| Retained earnings to average equity (ytd only) | 6.6221% | 2,070 |
| Net charge-offs to loans | -0.0104% | 6,691 |
| Credit loss provision to net charge-offs | -857.1429% | 6,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8518% | 3,212 |
| Assets per employee ($millions) | 3.7535% | 4,312 |
| Cash dividends to net income (ytd only)* | 12.3196% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0251% | 875 |
| Loan loss allowance to noncurrent loans | 294.8117% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 3.5575% | 1,842 |
| Noncurrent loans to loans | 1.0261% | 4,942 |
| Net loans and leases to total assets | 57.1376% | 4,797 |
| Net loans and leases to deposits | 66.4990% | 4,921 |
| Net loans and leases to core deposits | 78.8381% | 3,957 |
| Total domestic deposits to total assets | 85.9225% | 3,368 |
| Equity capital to assets | 10.4921% | 3,516 |
| Core capital (leverage) ratio | 9.8864% | 3,402 |
| Tier 1 risk-based capital ratio | 15.5899% | 3,191 |
| Total risk-based capital ratio | 16.8588% | 3,137 |
| Memoranda: | ||
| Average total assets | $234,225,670 | 2,714 |
| Average earning assets | $198,817,000 | 2,886 |
| Average equity | $23,859,330 | 2,670 |
| Average total loans | $134,627,670 | 2,950 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0036% | 3,099 |
| Cost of funding earning assets | 1.2031% | 2,793 |
| Net interest margin | 3.8005% | 3,613 |
| Noninterest income to average assets | 0.7167% | 2,476 |
| Noninterest expense to average assets | 3.0130% | 3,585 |
| Loan and lease loss provision to assets | 0.0511% | 5,362 |
| Net operating income to assets | 0.7388% | 3,328 |
| Return on assets (ROA) | 0.7388% | 3,392 |
| Pretax return on assets | 0.8682% | 3,631 |
| Return on Equity (ROE) | 7.3620% | 3,218 |
| Retained earnings to average equity (ytd only) | 7.3620% | 2,002 |
| Net charge-offs to loans | -0.0090% | 6,341 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6710% | 3,212 |
| Assets per employee ($millions) | 3.6673% | 4,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0541% | 868 |
| Loan loss allowance to noncurrent loans | 343.1193% | 900 |
| Noncurrent assets plus other real estate owned to assets | 3.5499% | 1,916 |
| Noncurrent loans to loans | 0.8901% | 5,267 |
| Net loans and leases to total assets | 54.7839% | 5,195 |
| Net loans and leases to deposits | 63.3185% | 5,346 |
| Net loans and leases to core deposits | 71.6386% | 4,831 |
| Total domestic deposits to total assets | 86.5211% | 3,224 |
| Equity capital to assets | 10.0003% | 3,772 |
| Core capital (leverage) ratio | 9.5578% | 3,716 |
| Tier 1 risk-based capital ratio | 15.3802% | 3,220 |
| Total risk-based capital ratio | 16.6507% | 3,169 |
| Memoranda: | ||
| Average total assets | $234,979,000 | 2,725 |
| Average earning assets | $198,816,500 | 2,903 |
| Average equity | $23,580,500 | 2,682 |
| Average total loans | $133,382,500 | 3,017 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2653% | 3,297 |
| Cost of funding earning assets | 1.4045% | 3,241 |
| Net interest margin | 3.8608% | 3,686 |
| Noninterest income to average assets | 0.7994% | 2,291 |
| Noninterest expense to average assets | 2.9936% | 3,870 |
| Loan and lease loss provision to assets | 0.2009% | 5,229 |
| Net operating income to assets | 0.7894% | 2,851 |
| Return on assets (ROA) | 0.7894% | 2,977 |
| Pretax return on assets | 0.9034% | 3,278 |
| Return on Equity (ROE) | 8.0135% | 2,694 |
| Retained earnings to average equity (ytd only) | 6.7861% | 1,413 |
| Net charge-offs to loans | 0.8203% | 2,586 |
| Credit loss provision to net charge-offs | 41.3978% | 6,365 |
| Earnings coverage of net charge-offs (x) | 2.2751% | 4,020 |
| Efficiency ratio | 72.1078% | 3,773 |
| Assets per employee ($millions) | 3.6185% | 4,655 |
| Cash dividends to net income (ytd only)* | 15.3168% | 3,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0902% | 808 |
| Loan loss allowance to noncurrent loans | 300.5155% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 3.7222% | 1,845 |
| Noncurrent loans to loans | 1.0283% | 5,012 |
| Net loans and leases to total assets | 55.2626% | 5,447 |
| Net loans and leases to deposits | 63.9462% | 5,633 |
| Net loans and leases to core deposits | 73.9662% | 4,981 |
| Total domestic deposits to total assets | 86.4205% | 3,122 |
| Equity capital to assets | 10.0710% | 3,656 |
| Core capital (leverage) ratio | 9.4720% | 3,738 |
| Tier 1 risk-based capital ratio | 15.4797% | 3,005 |
| Total risk-based capital ratio | 16.7513% | 2,959 |
| Memoranda: | ||
| Average total assets | $229,920,800 | 2,760 |
| Average earning assets | $196,437,600 | 2,927 |
| Average equity | $22,649,400 | 2,810 |
| Average total loans | $136,048,000 | 3,013 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2597% | 3,534 |
| Cost of funding earning assets | 1.4420% | 3,317 |
| Net interest margin | 3.8176% | 3,894 |
| Noninterest income to average assets | 0.7907% | 2,284 |
| Noninterest expense to average assets | 3.1034% | 3,319 |
| Loan and lease loss provision to assets | 0.2504% | 4,584 |
| Net operating income to assets | 0.6448% | 3,680 |
| Return on assets (ROA) | 0.6448% | 3,846 |
| Pretax return on assets | 0.7082% | 4,207 |
| Return on Equity (ROE) | 6.5832% | 3,539 |
| Retained earnings to average equity (ytd only) | 6.2511% | 2,232 |
| Net charge-offs to loans | 0.8532% | 2,312 |
| Credit loss provision to net charge-offs | 49.1448% | 5,898 |
| Earnings coverage of net charge-offs (x) | 1.8814% | 4,298 |
| Efficiency ratio | 75.4434% | 3,051 |
| Assets per employee ($millions) | 3.9560% | 3,928 |
| Cash dividends to net income (ytd only)* | 5.0447% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1350% | 740 |
| Loan loss allowance to noncurrent loans | 179.7569% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 3.9243% | 1,793 |
| Noncurrent loans to loans | 1.7440% | 4,024 |
| Net loans and leases to total assets | 54.9159% | 5,716 |
| Net loans and leases to deposits | 63.2225% | 6,003 |
| Net loans and leases to core deposits | 72.2151% | 5,488 |
| Total domestic deposits to total assets | 86.8613% | 2,605 |
| Equity capital to assets | 9.6068% | 4,679 |
| Core capital (leverage) ratio | 9.1722% | 4,421 |
| Tier 1 risk-based capital ratio | 14.8184% | 3,336 |
| Total risk-based capital ratio | 16.0899% | 3,309 |
| Memoranda: | ||
| Average total assets | $229,504,750 | 2,791 |
| Average earning assets | $196,661,250 | 2,967 |
| Average equity | $22,481,000 | 2,867 |
| Average total loans | $137,044,750 | 3,036 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2789% | 3,567 |
| Cost of funding earning assets | 1.5181% | 3,147 |
| Net interest margin | 3.7608% | 4,088 |
| Noninterest income to average assets | 0.7634% | 2,311 |
| Noninterest expense to average assets | 3.0891% | 3,367 |
| Loan and lease loss provision to assets | 0.3547% | 3,590 |
| Net operating income to assets | 0.5550% | 4,062 |
| Return on assets (ROA) | 0.5550% | 4,205 |
| Pretax return on assets | 0.5550% | 4,721 |
| Return on Equity (ROE) | 5.6277% | 3,979 |
| Retained earnings to average equity (ytd only) | 5.6277% | 2,542 |
| Net charge-offs to loans | 1.2777% | 1,491 |
| Credit loss provision to net charge-offs | 45.6621% | 5,510 |
| Earnings coverage of net charge-offs (x) | 1.1712% | 4,625 |
| Efficiency ratio | 76.2749% | 3,025 |
| Assets per employee ($millions) | 3.6410% | 4,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1518% | 732 |
| Loan loss allowance to noncurrent loans | 223.2180% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 4.0805% | 1,672 |
| Noncurrent loans to loans | 1.4120% | 4,589 |
| Net loans and leases to total assets | 57.0539% | 5,556 |
| Net loans and leases to deposits | 65.8456% | 5,821 |
| Net loans and leases to core deposits | 76.7375% | 5,110 |
| Total domestic deposits to total assets | 86.6481% | 2,732 |
| Equity capital to assets | 9.7880% | 4,284 |
| Core capital (leverage) ratio | 9.0578% | 4,512 |
| Tier 1 risk-based capital ratio | 14.4812% | 3,455 |
| Total risk-based capital ratio | 15.7544% | 3,409 |
| Memoranda: | ||
| Average total assets | $225,567,000 | 2,865 |
| Average earning assets | $194,055,330 | 3,018 |
| Average equity | $22,247,000 | 2,889 |
| Average total loans | $137,122,670 | 3,065 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1762% | 4,156 |
| Cost of funding earning assets | 1.5869% | 3,037 |
| Net interest margin | 3.5892% | 4,778 |
| Noninterest income to average assets | 0.7833% | 2,102 |
| Noninterest expense to average assets | 3.1172% | 3,197 |
| Loan and lease loss provision to assets | 0.0537% | 6,127 |
| Net operating income to assets | 0.6528% | 3,648 |
| Return on assets (ROA) | 0.6528% | 3,769 |
| Pretax return on assets | 0.7190% | 4,167 |
| Return on Equity (ROE) | 6.5931% | 3,576 |
| Retained earnings to average equity (ytd only) | 6.5931% | 2,322 |
| Net charge-offs to loans | 0.0203% | 5,302 |
| Credit loss provision to net charge-offs | 428.5714% | 966 |
| Earnings coverage of net charge-offs (x) | 61.7143% | 496 |
| Efficiency ratio | 79.1264% | 2,699 |
| Assets per employee ($millions) | 3.9410% | 4,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4813% | 560 |
| Loan loss allowance to noncurrent loans | 56.9411% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 4.9127% | 1,321 |
| Noncurrent loans to loans | 6.1138% | 1,063 |
| Net loans and leases to total assets | 56.7332% | 5,648 |
| Net loans and leases to deposits | 65.2678% | 5,901 |
| Net loans and leases to core deposits | 77.6579% | 5,064 |
| Total domestic deposits to total assets | 86.9237% | 2,670 |
| Equity capital to assets | 9.5871% | 4,395 |
| Core capital (leverage) ratio | 9.2430% | 4,152 |
| Tier 1 risk-based capital ratio | 14.6195% | 3,307 |
| Total risk-based capital ratio | 15.8959% | 3,259 |
| Memoranda: | ||
| Average total assets | $223,659,000 | 2,944 |
| Average earning assets | $193,579,500 | 3,082 |
| Average equity | $22,144,500 | 2,926 |
| Average total loans | $138,118,500 | 3,104 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8774% | 2,335 |
| Cost of funding earning assets | 1.8557% | 3,705 |
| Net interest margin | 4.0217% | 2,774 |
| Noninterest income to average assets | 1.2946% | 895 |
| Noninterest expense to average assets | 3.4356% | 2,567 |
| Loan and lease loss provision to assets | 0.4708% | 3,998 |
| Net operating income to assets | 0.9167% | 2,119 |
| Return on assets (ROA) | 0.9167% | 2,186 |
| Pretax return on assets | 0.9067% | 2,904 |
| Return on Equity (ROE) | 9.6590% | 1,792 |
| Retained earnings to average equity (ytd only) | 9.6590% | 406 |
| Net charge-offs to loans | 0.1991% | 5,401 |
| Credit loss provision to net charge-offs | 358.2759% | 894 |
| Earnings coverage of net charge-offs (x) | 10.4828% | 1,683 |
| Efficiency ratio | 70.5423% | 4,517 |
| Assets per employee ($millions) | 3.5800% | 4,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3927% | 579 |
| Loan loss allowance to noncurrent loans | 58.7980% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 5.1239% | 1,186 |
| Noncurrent loans to loans | 5.7702% | 1,099 |
| Net loans and leases to total assets | 62.7697% | 4,853 |
| Net loans and leases to deposits | 72.9230% | 5,203 |
| Net loans and leases to core deposits | 97.7383% | 4,252 |
| Total domestic deposits to total assets | 86.0767% | 2,979 |
| Equity capital to assets | 10.2408% | 3,468 |
| Core capital (leverage) ratio | 9.5975% | 3,601 |
| Tier 1 risk-based capital ratio | 14.2242% | 3,364 |
| Total risk-based capital ratio | 15.4988% | 3,301 |
| Memoranda: | ||
| Average total assets | $220,688,200 | 2,932 |
| Average earning assets | $193,077,200 | 3,062 |
| Average equity | $20,944,200 | 3,080 |
| Average total loans | $145,648,200 | 2,987 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0115% | 1,988 |
| Cost of funding earning assets | 1.8969% | 3,902 |
| Net interest margin | 4.1146% | 2,337 |
| Noninterest income to average assets | 1.3083% | 907 |
| Noninterest expense to average assets | 3.4197% | 2,512 |
| Loan and lease loss provision to assets | 0.5479% | 3,199 |
| Net operating income to assets | 0.9242% | 2,329 |
| Return on assets (ROA) | 0.9242% | 2,402 |
| Pretax return on assets | 0.9596% | 3,025 |
| Return on Equity (ROE) | 9.9283% | 1,940 |
| Retained earnings to average equity (ytd only) | 9.9283% | 651 |
| Net charge-offs to loans | 0.1413% | 5,287 |
| Credit loss provision to net charge-offs | 585.2564% | 661 |
| Earnings coverage of net charge-offs (x) | 16.1029% | 1,489 |
| Efficiency ratio | 68.5871% | 4,864 |
| Assets per employee ($millions) | 3.7463% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3432% | 484 |
| Loan loss allowance to noncurrent loans | 119.0512% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 2.6052% | 2,675 |
| Noncurrent loans to loans | 2.8082% | 2,704 |
| Net loans and leases to total assets | 59.0374% | 5,735 |
| Net loans and leases to deposits | 67.7539% | 6,148 |
| Net loans and leases to core deposits | 87.4723% | 5,693 |
| Total domestic deposits to total assets | 87.1351% | 2,110 |
| Equity capital to assets | 9.2953% | 5,044 |
| Core capital (leverage) ratio | 9.0866% | 4,518 |
| Tier 1 risk-based capital ratio | 13.6737% | 3,735 |
| Total risk-based capital ratio | 14.9471% | 3,663 |
| Memoranda: | ||
| Average total assets | $222,160,750 | 2,929 |
| Average earning assets | $195,396,750 | 3,050 |
| Average equity | $20,681,000 | 3,141 |
| Average total loans | $147,169,500 | 2,997 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1927% | 1,480 |
| Cost of funding earning assets | 1.9670% | 3,930 |
| Net interest margin | 4.2258% | 1,896 |
| Noninterest income to average assets | 1.0430% | 1,453 |
| Noninterest expense to average assets | 3.0294% | 3,968 |
| Loan and lease loss provision to assets | 0.7514% | 2,185 |
| Net operating income to assets | 1.0631% | 1,903 |
| Return on assets (ROA) | 1.0631% | 1,976 |
| Pretax return on assets | 1.0211% | 2,923 |
| Return on Equity (ROE) | 11.4143% | 1,585 |
| Retained earnings to average equity (ytd only) | 11.4143% | 506 |
| Net charge-offs to loans | 0.1813% | 4,437 |
| Credit loss provision to net charge-offs | 608.8889% | 759 |
| Earnings coverage of net charge-offs (x) | 14.3630% | 1,659 |
| Efficiency ratio | 62.2311% | 6,215 |
| Assets per employee ($millions) | 3.4691% | 4,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2526% | 465 |
| Loan loss allowance to noncurrent loans | 147.0422% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 2.5291% | 2,548 |
| Noncurrent loans to loans | 2.2120% | 3,244 |
| Net loans and leases to total assets | 62.6052% | 5,251 |
| Net loans and leases to deposits | 75.9794% | 5,181 |
| Net loans and leases to core deposits | 101.6112% | 4,326 |
| Total domestic deposits to total assets | 82.3975% | 4,523 |
| Equity capital to assets | 9.4127% | 4,729 |
| Core capital (leverage) ratio | 9.1193% | 4,430 |
| Tier 1 risk-based capital ratio | 13.3423% | 3,903 |
| Total risk-based capital ratio | 14.6148% | 3,827 |
| Memoranda: | ||
| Average total assets | $218,791,670 | 2,993 |
| Average earning assets | $194,616,000 | 3,079 |
| Average equity | $20,378,000 | 3,190 |
| Average total loans | $148,936,670 | 3,001 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1095% | 1,912 |
| Cost of funding earning assets | 2.0194% | 4,038 |
| Net interest margin | 4.0901% | 2,316 |
| Noninterest income to average assets | 0.9430% | 1,675 |
| Noninterest expense to average assets | 2.9764% | 3,864 |
| Loan and lease loss provision to assets | 0.1068% | 5,600 |
| Net operating income to assets | 1.4532% | 1,036 |
| Return on assets (ROA) | 1.4532% | 1,110 |
| Pretax return on assets | 1.5342% | 1,577 |
| Return on Equity (ROE) | 15.6874% | 868 |
| Retained earnings to average equity (ytd only) | 15.6874% | 365 |
| Net charge-offs to loans | 0.1214% | 4,006 |
| Credit loss provision to net charge-offs | 126.0870% | 3,154 |
| Earnings coverage of net charge-offs (x) | 19.3696% | 1,426 |
| Efficiency ratio | 63.5820% | 5,766 |
| Assets per employee ($millions) | 3.5823% | 4,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7049% | 624 |
| Loan loss allowance to noncurrent loans | 129.0927% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 2.4341% | 2,353 |
| Noncurrent loans to loans | 2.0953% | 3,122 |
| Net loans and leases to total assets | 65.8103% | 4,625 |
| Net loans and leases to deposits | 80.1596% | 4,584 |
| Net loans and leases to core deposits | 109.4654% | 3,503 |
| Total domestic deposits to total assets | 82.0990% | 4,506 |
| Equity capital to assets | 9.3905% | 4,819 |
| Core capital (leverage) ratio | 8.9010% | 4,860 |
| Tier 1 risk-based capital ratio | 12.8465% | 4,296 |
| Total risk-based capital ratio | 14.1127% | 4,201 |
| Memoranda: | ||
| Average total assets | $217,177,500 | 3,032 |
| Average earning assets | $195,105,500 | 3,085 |
| Average equity | $20,118,000 | 3,242 |
| Average total loans | $151,570,500 | 2,980 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6288% | 2,354 |
| Cost of funding earning assets | 2.3869% | 4,778 |
| Net interest margin | 4.2419% | 2,150 |
| Noninterest income to average assets | 0.7700% | 2,670 |
| Noninterest expense to average assets | 2.8574% | 4,573 |
| Loan and lease loss provision to assets | 0.8662% | 1,720 |
| Net operating income to assets | 0.6551% | 4,083 |
| Return on assets (ROA) | 0.6551% | 3,933 |
| Pretax return on assets | 0.8568% | 3,863 |
| Return on Equity (ROE) | 6.9555% | 3,554 |
| Retained earnings to average equity (ytd only) | -2.8429% | 6,064 |
| Net charge-offs to loans | 0.1909% | 4,275 |
| Credit loss provision to net charge-offs | 639.1003% | 669 |
| Earnings coverage of net charge-offs (x) | 12.7128% | 2,223 |
| Efficiency ratio | 61.4723% | 6,052 |
| Assets per employee ($millions) | 3.4812% | 4,722 |
| Cash dividends to net income (ytd only)* | 140.8733% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5661% | 637 |
| Loan loss allowance to noncurrent loans | 91.0878% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 2.9824% | 1,542 |
| Noncurrent loans to loans | 2.8171% | 1,925 |
| Net loans and leases to total assets | 70.1222% | 3,987 |
| Net loans and leases to deposits | 86.9267% | 3,964 |
| Net loans and leases to core deposits | 120.7883% | 2,621 |
| Total domestic deposits to total assets | 80.6682% | 4,784 |
| Equity capital to assets | 9.1347% | 5,174 |
| Core capital (leverage) ratio | 8.4872% | 5,601 |
| Tier 1 risk-based capital ratio | 12.1008% | 4,738 |
| Total risk-based capital ratio | 13.3512% | 4,622 |
| Memoranda: | ||
| Average total assets | $213,237,400 | 2,963 |
| Average earning assets | $191,543,200 | 3,016 |
| Average equity | $20,084,800 | 3,218 |
| Average total loans | $151,367,000 | 2,903 |