Home > Citizens Bank > Performance and Condition Ratios
Citizens 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 | 4.3118% | 3,420 |
| Cost of funding earning assets | 1.0294% | 3,229 |
| Net interest margin | 3.2824% | 2,676 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 2.7627% | 1,596 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.8386% | 2,747 |
| Return on assets (ROA) | 0.8766% | 2,586 |
| Pretax return on assets | 1.0007% | 2,689 |
| Return on Equity (ROE) | 10.5300% | 2,353 |
| Retained earnings to average equity (ytd only) | 6.6122% | 2,017 |
| Net charge-offs to loans | 0.0074% | 2,401 |
| Credit loss provision to net charge-offs | 1,406.8966% | 307 |
| Earnings coverage of net charge-offs (x) | 221.8621% | 550 |
| Efficiency ratio | 73.1020% | 1,545 |
| Assets per employee ($millions) | 4.6956% | 3,835 |
| Cash dividends to net income (ytd only)* | 37.2026% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3362% | 1,623 |
| Loan loss allowance to noncurrent loans | 4,149.2537% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 3,592 |
| Noncurrent loans to loans | 0.0322% | 3,505 |
| Net loans and leases to total assets | 63.3600% | 2,530 |
| Net loans and leases to deposits | 69.7200% | 2,906 |
| Net loans and leases to core deposits | 71.6696% | 3,211 |
| Total domestic deposits to total assets | 90.8800% | 539 |
| Equity capital to assets | 8.8500% | 2,785 |
| Core capital (leverage) ratio | 9.8129% | 2,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2614% | 1,777 |
| Memoranda: | ||
| Average total assets | $632,935,800 | 1,411 |
| Average earning assets | $610,343,000 | 1,363 |
| Average equity | $52,690,400 | 1,537 |
| Average total loans | $392,923,800 | 1,492 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2492% | 3,377 |
| Cost of funding earning assets | 0.8534% | 3,390 |
| Net interest margin | 3.3958% | 2,464 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 2.8257% | 1,377 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.8844% | 2,735 |
| Return on assets (ROA) | 0.9347% | 2,554 |
| Pretax return on assets | 1.0765% | 2,637 |
| Return on Equity (ROE) | 11.4100% | 2,277 |
| Retained earnings to average equity (ytd only) | 6.9943% | 2,289 |
| Net charge-offs to loans | 0.0028% | 2,442 |
| Credit loss provision to net charge-offs | 2,975.0000% | 158 |
| Earnings coverage of net charge-offs (x) | 631.3750% | 250 |
| Efficiency ratio | 72.5265% | 1,512 |
| Assets per employee ($millions) | 4.6586% | 3,843 |
| Cash dividends to net income (ytd only)* | 38.7214% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3456% | 1,670 |
| Loan loss allowance to noncurrent loans | 4,099.2424% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 3,613 |
| Noncurrent loans to loans | 0.0328% | 3,533 |
| Net loans and leases to total assets | 63.5500% | 2,498 |
| Net loans and leases to deposits | 69.1154% | 2,906 |
| Net loans and leases to core deposits | 71.5855% | 3,121 |
| Total domestic deposits to total assets | 91.9500% | 462 |
| Equity capital to assets | 7.6654% | 3,266 |
| Core capital (leverage) ratio | 9.8513% | 2,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3814% | 1,761 |
| Memoranda: | ||
| Average total assets | $629,172,750 | 1,412 |
| Average earning assets | $606,529,250 | 1,366 |
| Average equity | $51,526,250 | 1,558 |
| Average total loans | $387,126,500 | 1,505 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1539% | 3,385 |
| Cost of funding earning assets | 0.6286% | 3,683 |
| Net interest margin | 3.5253% | 2,212 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.7942% | 1,425 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.0229% | 2,347 |
| Return on assets (ROA) | 1.0792% | 2,177 |
| Pretax return on assets | 1.2698% | 2,164 |
| Return on Equity (ROE) | 12.9100% | 1,918 |
| Retained earnings to average equity (ytd only) | 7.7799% | 2,041 |
| Net charge-offs to loans | 0.0073% | 1,956 |
| Credit loss provision to net charge-offs | 1,085.7143% | 387 |
| Earnings coverage of net charge-offs (x) | 282.4286% | 478 |
| Efficiency ratio | 69.0295% | 1,863 |
| Assets per employee ($millions) | 4.7209% | 3,808 |
| Cash dividends to net income (ytd only)* | 39.7180% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3540% | 1,694 |
| Loan loss allowance to noncurrent loans | 4,626.0870% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 3,649 |
| Noncurrent loans to loans | 0.0293% | 3,544 |
| Net loans and leases to total assets | 61.2700% | 2,643 |
| Net loans and leases to deposits | 67.1751% | 2,975 |
| Net loans and leases to core deposits | 71.2082% | 3,054 |
| Total domestic deposits to total assets | 91.2100% | 584 |
| Equity capital to assets | 8.4450% | 2,906 |
| Core capital (leverage) ratio | 9.7587% | 2,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3078% | 1,786 |
| Memoranda: | ||
| Average total assets | $630,815,000 | 1,409 |
| Average earning assets | $608,632,667 | 1,361 |
| Average equity | $52,751,333 | 1,529 |
| Average total loans | $382,129,667 | 1,504 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0753% | 3,305 |
| Cost of funding earning assets | 0.5022% | 3,682 |
| Net interest margin | 3.5732% | 2,183 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 2.7699% | 1,506 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.0918% | 2,258 |
| Return on assets (ROA) | 1.2033% | 1,884 |
| Pretax return on assets | 1.4364% | 1,799 |
| Return on Equity (ROE) | 14.4600% | 1,671 |
| Retained earnings to average equity (ytd only) | 9.9131% | 1,722 |
| Net charge-offs to loans | -0.0180% | 4,064 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.0561% | 2,083 |
| Assets per employee ($millions) | 4.4526% | 4,049 |
| Cash dividends to net income (ytd only)* | 31.4512% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3852% | 1,679 |
| Loan loss allowance to noncurrent loans | 787.1833% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.1069% | 2,779 |
| Noncurrent loans to loans | 0.1760% | 2,600 |
| Net loans and leases to total assets | 59.9000% | 2,660 |
| Net loans and leases to deposits | 65.7846% | 2,951 |
| Net loans and leases to core deposits | 70.1064% | 2,948 |
| Total domestic deposits to total assets | 91.0500% | 784 |
| Equity capital to assets | 8.6099% | 2,811 |
| Core capital (leverage) ratio | 9.6048% | 3,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2209% | 1,899 |
| Memoranda: | ||
| Average total assets | $629,922,500 | 1,437 |
| Average earning assets | $607,754,500 | 1,382 |
| Average equity | $52,415,500 | 1,551 |
| Average total loans | $376,739,000 | 1,534 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2718% | 3,661 |
| Cost of funding earning assets | 0.1665% | 4,019 |
| Net interest margin | 3.1053% | 3,164 |
| Noninterest income to average assets | 0.6900% | 1,336 |
| Noninterest expense to average assets | 2.6464% | 1,688 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.7995% | 3,330 |
| Return on assets (ROA) | 0.7995% | 3,255 |
| Pretax return on assets | 0.9623% | 3,188 |
| Return on Equity (ROE) | 9.6500% | 2,919 |
| Retained earnings to average equity (ytd only) | 2.4835% | 3,863 |
| Net charge-offs to loans | 0.0181% | 1,739 |
| Credit loss provision to net charge-offs | 779.0323% | 500 |
| Earnings coverage of net charge-offs (x) | 107.3065% | 943 |
| Efficiency ratio | 71.8344% | 1,464 |
| Assets per employee ($millions) | 4.5470% | 4,005 |
| Cash dividends to net income (ytd only)* | 74.2684% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2858% | 1,970 |
| Loan loss allowance to noncurrent loans | 827.8547% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.0915% | 2,908 |
| Noncurrent loans to loans | 0.1553% | 2,718 |
| Net loans and leases to total assets | 58.1200% | 2,812 |
| Net loans and leases to deposits | 63.4700% | 3,084 |
| Net loans and leases to core deposits | 67.4219% | 3,041 |
| Total domestic deposits to total assets | 91.5800% | 758 |
| Equity capital to assets | 8.0339% | 3,041 |
| Core capital (leverage) ratio | 9.1518% | 3,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2197% | 1,884 |
| Memoranda: | ||
| Average total assets | $641,169,400 | 1,405 |
| Average earning assets | $618,687,000 | 1,358 |
| Average equity | $53,110,600 | 1,540 |
| Average total loans | $342,655,000 | 1,567 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0039% | 3,882 |
| Cost of funding earning assets | 0.1413% | 3,927 |
| Net interest margin | 2.8626% | 3,589 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 2.5970% | 1,720 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.6475% | 3,702 |
| Return on assets (ROA) | 0.6475% | 3,661 |
| Pretax return on assets | 0.7735% | 3,645 |
| Return on Equity (ROE) | 7.7600% | 3,396 |
| Retained earnings to average equity (ytd only) | 0.8716% | 4,234 |
| Net charge-offs to loans | 0.0167% | 1,515 |
| Credit loss provision to net charge-offs | 728.5714% | 501 |
| Earnings coverage of net charge-offs (x) | 96.1667% | 966 |
| Efficiency ratio | 75.6276% | 1,110 |
| Assets per employee ($millions) | 4.5351% | 4,028 |
| Cash dividends to net income (ytd only)* | 88.7680% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 1,922 |
| Loan loss allowance to noncurrent loans | 736.9427% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.0975% | 2,971 |
| Noncurrent loans to loans | 0.1796% | 2,688 |
| Net loans and leases to total assets | 53.5800% | 3,136 |
| Net loans and leases to deposits | 57.9124% | 3,348 |
| Net loans and leases to core deposits | 61.7600% | 3,253 |
| Total domestic deposits to total assets | 92.5200% | 712 |
| Equity capital to assets | 7.2086% | 3,399 |
| Core capital (leverage) ratio | 8.9417% | 3,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8345% | 1,757 |
| Memoranda: | ||
| Average total assets | $643,454,000 | 1,395 |
| Average earning assets | $621,004,750 | 1,356 |
| Average equity | $53,694,000 | 1,544 |
| Average total loans | $335,281,750 | 1,588 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7872% | 4,001 |
| Cost of funding earning assets | 0.1301% | 3,837 |
| Net interest margin | 2.6571% | 3,801 |
| Noninterest income to average assets | 0.6887% | 1,390 |
| Noninterest expense to average assets | 2.5712% | 1,717 |
| Loan and lease loss provision to assets | -0.0084% | 4,393 |
| Net operating income to assets | 0.5795% | 3,680 |
| Return on assets (ROA) | 0.5795% | 3,627 |
| Pretax return on assets | 0.6911% | 3,601 |
| Return on Equity (ROE) | 6.6431% | 3,414 |
| Retained earnings to average equity (ytd only) | -1.2616% | 4,317 |
| Net charge-offs to loans | 0.0012% | 2,096 |
| Credit loss provision to net charge-offs | -1,350.0000% | 3,613 |
| Earnings coverage of net charge-offs (x) | 1,098.0000% | 116 |
| Efficiency ratio | 79.0178% | 1,018 |
| Assets per employee ($millions) | 4.5575% | 4,034 |
| Cash dividends to net income (ytd only)* | 118.9914% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3118% | 2,132 |
| Loan loss allowance to noncurrent loans | 726.1307% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 3,072 |
| Noncurrent loans to loans | 0.1807% | 2,793 |
| Net loans and leases to total assets | 50.3924% | 3,330 |
| Net loans and leases to deposits | 54.9622% | 3,469 |
| Net loans and leases to core deposits | 56.8009% | 3,504 |
| Total domestic deposits to total assets | 91.6855% | 970 |
| Equity capital to assets | 7.8417% | 3,239 |
| Core capital (leverage) ratio | 8.8318% | 3,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5711% | 1,555 |
| Memoranda: | ||
| Average total assets | $643,278,333 | 1,398 |
| Average earning assets | $621,059,333 | 1,367 |
| Average equity | $56,118,000 | 1,523 |
| Average total loans | $330,483,000 | 1,596 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6624% | 4,005 |
| Cost of funding earning assets | 0.1297% | 3,778 |
| Net interest margin | 2.5327% | 3,827 |
| Noninterest income to average assets | 0.7497% | 1,170 |
| Noninterest expense to average assets | 2.5827% | 1,657 |
| Loan and lease loss provision to assets | 0.0187% | 2,020 |
| Net operating income to assets | 0.5039% | 3,706 |
| Return on assets (ROA) | 0.5039% | 3,670 |
| Pretax return on assets | 0.5963% | 3,646 |
| Return on Equity (ROE) | 5.4963% | 3,486 |
| Retained earnings to average equity (ytd only) | 3.3400% | 3,157 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7685% | 1,087 |
| Assets per employee ($millions) | 4.4186% | 4,184 |
| Cash dividends to net income (ytd only)* | 39.2327% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3433% | 2,145 |
| Loan loss allowance to noncurrent loans | 673.9264% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.1011% | 3,103 |
| Noncurrent loans to loans | 0.1993% | 2,824 |
| Net loans and leases to total assets | 50.0246% | 3,170 |
| Net loans and leases to deposits | 54.8773% | 3,353 |
| Net loans and leases to core deposits | 56.9311% | 3,383 |
| Total domestic deposits to total assets | 91.1572% | 952 |
| Equity capital to assets | 8.6457% | 3,026 |
| Core capital (leverage) ratio | 9.2387% | 3,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0895% | 1,488 |
| Memoranda: | ||
| Average total assets | $641,338,000 | 1,406 |
| Average earning assets | $619,880,500 | 1,374 |
| Average equity | $58,803,000 | 1,512 |
| Average total loans | $330,497,500 | 1,586 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8503% | 4,134 |
| Cost of funding earning assets | 0.1666% | 3,808 |
| Net interest margin | 2.6837% | 3,905 |
| Noninterest income to average assets | 0.7909% | 1,466 |
| Noninterest expense to average assets | 2.5402% | 2,057 |
| Loan and lease loss provision to assets | -0.0636% | 4,418 |
| Net operating income to assets | 0.7289% | 3,545 |
| Return on assets (ROA) | 0.7289% | 3,609 |
| Pretax return on assets | 0.9072% | 3,495 |
| Return on Equity (ROE) | 7.3145% | 3,436 |
| Retained earnings to average equity (ytd only) | 2.7009% | 3,760 |
| Net charge-offs to loans | -0.0148% | 3,869 |
| Credit loss provision to net charge-offs | 763.4615% | 622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0711% | 1,203 |
| Assets per employee ($millions) | 4.5217% | 4,099 |
| Cash dividends to net income (ytd only)* | 63.0746% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 2,321 |
| Loan loss allowance to noncurrent loans | 627.0115% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.1092% | 3,164 |
| Noncurrent loans to loans | 0.2085% | 2,910 |
| Net loans and leases to total assets | 51.6846% | 3,101 |
| Net loans and leases to deposits | 57.5259% | 3,295 |
| Net loans and leases to core deposits | 59.6906% | 3,333 |
| Total domestic deposits to total assets | 89.8459% | 1,033 |
| Equity capital to assets | 9.6981% | 2,943 |
| Core capital (leverage) ratio | 9.0134% | 3,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9879% | 1,515 |
| Memoranda: | ||
| Average total assets | $623,811,600 | 1,408 |
| Average earning assets | $602,674,600 | 1,375 |
| Average equity | $62,164,000 | 1,473 |
| Average total loans | $351,968,400 | 1,508 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8745% | 4,207 |
| Cost of funding earning assets | 0.1747% | 3,872 |
| Net interest margin | 2.6998% | 3,972 |
| Noninterest income to average assets | 0.8272% | 1,450 |
| Noninterest expense to average assets | 2.4636% | 2,227 |
| Loan and lease loss provision to assets | -0.0427% | 4,434 |
| Net operating income to assets | 0.8079% | 3,512 |
| Return on assets (ROA) | 0.8079% | 3,581 |
| Pretax return on assets | 1.0142% | 3,414 |
| Return on Equity (ROE) | 8.0516% | 3,384 |
| Retained earnings to average equity (ytd only) | 3.4421% | 3,756 |
| Net charge-offs to loans | -0.0194% | 3,952 |
| Credit loss provision to net charge-offs | 382.6923% | 880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7200% | 1,431 |
| Assets per employee ($millions) | 4.7100% | 3,959 |
| Cash dividends to net income (ytd only)* | 57.2493% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3472% | 2,240 |
| Loan loss allowance to noncurrent loans | 829.4545% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.0871% | 3,517 |
| Noncurrent loans to loans | 0.1624% | 3,308 |
| Net loans and leases to total assets | 52.9320% | 3,090 |
| Net loans and leases to deposits | 58.9783% | 3,326 |
| Net loans and leases to core deposits | 61.3622% | 3,377 |
| Total domestic deposits to total assets | 89.7483% | 895 |
| Equity capital to assets | 9.8564% | 3,043 |
| Core capital (leverage) ratio | 9.2958% | 3,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1863% | 1,573 |
| Memoranda: | ||
| Average total assets | $620,375,750 | 1,431 |
| Average earning assets | $599,238,000 | 1,394 |
| Average equity | $62,247,250 | 1,489 |
| Average total loans | $356,490,000 | 1,528 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8961% | 4,231 |
| Cost of funding earning assets | 0.1876% | 3,873 |
| Net interest margin | 2.7085% | 3,963 |
| Noninterest income to average assets | 0.8979% | 1,281 |
| Noninterest expense to average assets | 2.4653% | 2,251 |
| Loan and lease loss provision to assets | -0.0321% | 4,471 |
| Net operating income to assets | 0.8580% | 3,342 |
| Return on assets (ROA) | 0.8580% | 3,421 |
| Pretax return on assets | 1.0817% | 3,274 |
| Return on Equity (ROE) | 8.4997% | 3,261 |
| Retained earnings to average equity (ytd only) | 4.0828% | 3,492 |
| Net charge-offs to loans | -0.0210% | 4,017 |
| Credit loss provision to net charge-offs | 260.5263% | 950 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1384% | 1,619 |
| Assets per employee ($millions) | 4.8769% | 3,770 |
| Cash dividends to net income (ytd only)* | 51.9652% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3283% | 2,299 |
| Loan loss allowance to noncurrent loans | 684.5361% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 3,509 |
| Noncurrent loans to loans | 0.1940% | 3,258 |
| Net loans and leases to total assets | 54.4612% | 3,085 |
| Net loans and leases to deposits | 60.8060% | 3,316 |
| Net loans and leases to core deposits | 63.1190% | 3,368 |
| Total domestic deposits to total assets | 89.5655% | 994 |
| Equity capital to assets | 9.8572% | 2,998 |
| Core capital (leverage) ratio | 9.4434% | 2,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8451% | 1,677 |
| Memoranda: | ||
| Average total assets | $616,789,667 | 1,427 |
| Average earning assets | $595,976,333 | 1,388 |
| Average equity | $62,260,667 | 1,478 |
| Average total loans | $362,442,000 | 1,514 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0105% | 4,060 |
| Cost of funding earning assets | 0.2080% | 3,843 |
| Net interest margin | 2.8024% | 3,759 |
| Noninterest income to average assets | 1.0497% | 1,056 |
| Noninterest expense to average assets | 2.4723% | 2,255 |
| Loan and lease loss provision to assets | 0.0335% | 2,331 |
| Net operating income to assets | 0.9872% | 2,845 |
| Return on assets (ROA) | 0.9872% | 2,943 |
| Pretax return on assets | 1.2549% | 2,688 |
| Return on Equity (ROE) | 9.6614% | 2,798 |
| Retained earnings to average equity (ytd only) | 6.0826% | 2,861 |
| Net charge-offs to loans | -0.0282% | 4,143 |
| Credit loss provision to net charge-offs | -196.1538% | 2,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7398% | 2,263 |
| Assets per employee ($millions) | 4.7184% | 3,908 |
| Cash dividends to net income (ytd only)* | 37.0420% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 2,262 |
| Loan loss allowance to noncurrent loans | 761.9427% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.1001% | 3,688 |
| Noncurrent loans to loans | 0.1756% | 3,481 |
| Net loans and leases to total assets | 56.2225% | 3,009 |
| Net loans and leases to deposits | 62.6688% | 3,256 |
| Net loans and leases to core deposits | 65.8604% | 3,254 |
| Total domestic deposits to total assets | 89.7137% | 958 |
| Equity capital to assets | 9.8546% | 2,840 |
| Core capital (leverage) ratio | 9.6412% | 2,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1143% | 1,537 |
| Memoranda: | ||
| Average total assets | $608,188,000 | 1,435 |
| Average earning assets | $588,345,500 | 1,385 |
| Average equity | $62,144,000 | 1,474 |
| Average total loans | $368,699,000 | 1,495 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5712% | 3,870 |
| Cost of funding earning assets | 0.3008% | 4,140 |
| Net interest margin | 3.2704% | 3,156 |
| Noninterest income to average assets | 0.8271% | 1,461 |
| Noninterest expense to average assets | 2.6992% | 2,241 |
| Loan and lease loss provision to assets | 0.0413% | 3,882 |
| Net operating income to assets | 0.9794% | 2,358 |
| Return on assets (ROA) | 0.9794% | 2,507 |
| Pretax return on assets | 1.2420% | 2,182 |
| Return on Equity (ROE) | 8.9861% | 2,399 |
| Retained earnings to average equity (ytd only) | 7.1004% | 1,358 |
| Net charge-offs to loans | 0.0527% | 2,036 |
| Credit loss provision to net charge-offs | 114.7959% | 2,682 |
| Earnings coverage of net charge-offs (x) | 35.7092% | 1,474 |
| Efficiency ratio | 67.7777% | 2,259 |
| Assets per employee ($millions) | 4.5646% | 3,852 |
| Cash dividends to net income (ytd only)* | 20.9846% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 2,748 |
| Loan loss allowance to noncurrent loans | 727.8207% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.1099% | 3,746 |
| Noncurrent loans to loans | 0.1704% | 3,600 |
| Net loans and leases to total assets | 63.6995% | 2,406 |
| Net loans and leases to deposits | 71.7173% | 2,714 |
| Net loans and leases to core deposits | 75.1330% | 2,806 |
| Total domestic deposits to total assets | 88.8204% | 1,062 |
| Equity capital to assets | 10.6051% | 2,587 |
| Core capital (leverage) ratio | 9.8538% | 2,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4771% | 1,688 |
| Memoranda: | ||
| Average total assets | $545,425,800 | 1,440 |
| Average earning assets | $526,233,000 | 1,398 |
| Average equity | $59,447,600 | 1,454 |
| Average total loans | $371,826,400 | 1,439 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6429% | 3,925 |
| Cost of funding earning assets | 0.3153% | 4,244 |
| Net interest margin | 3.3276% | 3,107 |
| Noninterest income to average assets | 0.8986% | 1,226 |
| Noninterest expense to average assets | 2.7480% | 2,127 |
| Loan and lease loss provision to assets | 0.0701% | 3,451 |
| Net operating income to assets | 1.0141% | 2,282 |
| Return on assets (ROA) | 1.0141% | 2,414 |
| Pretax return on assets | 1.2890% | 2,099 |
| Return on Equity (ROE) | 9.2357% | 2,306 |
| Retained earnings to average equity (ytd only) | 7.4186% | 1,523 |
| Net charge-offs to loans | 0.0342% | 2,148 |
| Credit loss provision to net charge-offs | 295.7895% | 1,775 |
| Earnings coverage of net charge-offs (x) | 57.3579% | 1,119 |
| Efficiency ratio | 66.9096% | 2,326 |
| Assets per employee ($millions) | 4.5375% | 3,800 |
| Cash dividends to net income (ytd only)* | 19.6754% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 2,290 |
| Loan loss allowance to noncurrent loans | 606.7332% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 3,641 |
| Noncurrent loans to loans | 0.2095% | 3,544 |
| Net loans and leases to total assets | 65.5919% | 2,569 |
| Net loans and leases to deposits | 73.8248% | 2,975 |
| Net loans and leases to core deposits | 77.9368% | 3,013 |
| Total domestic deposits to total assets | 88.8481% | 840 |
| Equity capital to assets | 10.6725% | 2,647 |
| Core capital (leverage) ratio | 9.9707% | 2,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0926% | 1,800 |
| Memoranda: | ||
| Average total assets | $534,574,750 | 1,449 |
| Average earning assets | $515,435,000 | 1,405 |
| Average equity | $58,698,000 | 1,462 |
| Average total loans | $369,835,250 | 1,444 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7092% | 4,067 |
| Cost of funding earning assets | 0.3358% | 4,332 |
| Net interest margin | 3.3734% | 3,176 |
| Noninterest income to average assets | 0.8293% | 1,348 |
| Noninterest expense to average assets | 2.7722% | 2,156 |
| Loan and lease loss provision to assets | 0.0657% | 3,471 |
| Net operating income to assets | 0.9787% | 2,401 |
| Return on assets (ROA) | 0.9787% | 2,530 |
| Pretax return on assets | 1.2403% | 2,217 |
| Return on Equity (ROE) | 8.8222% | 2,440 |
| Retained earnings to average equity (ytd only) | 6.9525% | 1,682 |
| Net charge-offs to loans | 0.0399% | 1,947 |
| Credit loss provision to net charge-offs | 234.2466% | 1,797 |
| Earnings coverage of net charge-offs (x) | 46.5753% | 1,155 |
| Efficiency ratio | 67.9759% | 2,235 |
| Assets per employee ($millions) | 4.5458% | 3,728 |
| Cash dividends to net income (ytd only)* | 21.1931% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 2,349 |
| Loan loss allowance to noncurrent loans | 722.8442% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 3,847 |
| Noncurrent loans to loans | 0.1702% | 3,769 |
| Net loans and leases to total assets | 68.0546% | 2,344 |
| Net loans and leases to deposits | 76.6571% | 2,790 |
| Net loans and leases to core deposits | 79.8986% | 2,956 |
| Total domestic deposits to total assets | 88.7780% | 831 |
| Equity capital to assets | 10.6351% | 2,632 |
| Core capital (leverage) ratio | 10.2038% | 2,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6914% | 1,931 |
| Memoranda: | ||
| Average total assets | $520,677,000 | 1,461 |
| Average earning assets | $501,450,667 | 1,417 |
| Average equity | $57,763,333 | 1,466 |
| Average total loans | $365,496,667 | 1,444 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8590% | 4,114 |
| Cost of funding earning assets | 0.3974% | 4,372 |
| Net interest margin | 3.4616% | 3,109 |
| Noninterest income to average assets | 0.8847% | 1,098 |
| Noninterest expense to average assets | 2.9168% | 2,081 |
| Loan and lease loss provision to assets | 0.0337% | 3,350 |
| Net operating income to assets | 0.9976% | 2,179 |
| Return on assets (ROA) | 0.9976% | 2,286 |
| Pretax return on assets | 1.2637% | 1,981 |
| Return on Equity (ROE) | 8.7876% | 2,197 |
| Retained earnings to average equity (ytd only) | 6.9524% | 1,555 |
| Net charge-offs to loans | 0.0384% | 1,657 |
| Credit loss provision to net charge-offs | 123.5294% | 1,696 |
| Earnings coverage of net charge-offs (x) | 47.6176% | 928 |
| Efficiency ratio | 69.2147% | 2,478 |
| Assets per employee ($millions) | 4.1945% | 3,668 |
| Cash dividends to net income (ytd only)* | 20.8835% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3272% | 2,011 |
| Loan loss allowance to noncurrent loans | 719.9693% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.1468% | 3,910 |
| Noncurrent loans to loans | 0.1843% | 3,814 |
| Net loans and leases to total assets | 68.0969% | 2,522 |
| Net loans and leases to deposits | 77.2340% | 2,948 |
| Net loans and leases to core deposits | 81.2401% | 3,091 |
| Total domestic deposits to total assets | 88.1696% | 1,032 |
| Equity capital to assets | 11.3599% | 2,547 |
| Core capital (leverage) ratio | 10.8997% | 2,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9261% | 1,931 |
| Memoranda: | ||
| Average total assets | $499,176,500 | 1,470 |
| Average earning assets | $480,120,000 | 1,422 |
| Average equity | $56,671,000 | 1,485 |
| Average total loans | $354,051,500 | 1,438 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9748% | 4,311 |
| Cost of funding earning assets | 0.4785% | 4,175 |
| Net interest margin | 3.4963% | 3,455 |
| Noninterest income to average assets | 0.7848% | 1,493 |
| Noninterest expense to average assets | 2.7898% | 2,637 |
| Loan and lease loss provision to assets | -0.0445% | 5,007 |
| Net operating income to assets | 1.1083% | 2,410 |
| Return on assets (ROA) | 1.0989% | 2,550 |
| Pretax return on assets | 1.4087% | 2,127 |
| Return on Equity (ROE) | 10.2840% | 2,167 |
| Retained earnings to average equity (ytd only) | 8.4811% | 836 |
| Net charge-offs to loans | 0.0100% | 3,327 |
| Credit loss provision to net charge-offs | -600.0000% | 4,447 |
| Earnings coverage of net charge-offs (x) | 185.7222% | 418 |
| Efficiency ratio | 66.9664% | 2,624 |
| Assets per employee ($millions) | 3.9244% | 4,006 |
| Cash dividends to net income (ytd only)* | 17.5314% | 3,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3185% | 1,841 |
| Loan loss allowance to noncurrent loans | 635.8696% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 3,790 |
| Noncurrent loans to loans | 0.2074% | 3,716 |
| Net loans and leases to total assets | 71.9785% | 2,092 |
| Net loans and leases to deposits | 81.5278% | 2,613 |
| Net loans and leases to core deposits | 85.6816% | 2,808 |
| Total domestic deposits to total assets | 88.2870% | 988 |
| Equity capital to assets | 11.3456% | 2,662 |
| Core capital (leverage) ratio | 10.6984% | 2,762 |
| Tier 1 risk-based capital ratio | 13.4882% | 3,531 |
| Total risk-based capital ratio | 14.6880% | 3,443 |
| Memoranda: | ||
| Average total assets | $485,841,600 | 1,461 |
| Average earning assets | $469,834,000 | 1,415 |
| Average equity | $51,915,400 | 1,545 |
| Average total loans | $361,693,800 | 1,379 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9486% | 4,460 |
| Cost of funding earning assets | 0.4825% | 4,211 |
| Net interest margin | 3.4660% | 3,676 |
| Noninterest income to average assets | 0.7610% | 1,556 |
| Noninterest expense to average assets | 2.7693% | 2,654 |
| Loan and lease loss provision to assets | -0.0165% | 5,071 |
| Net operating income to assets | 1.0632% | 2,721 |
| Return on assets (ROA) | 1.0507% | 2,874 |
| Pretax return on assets | 1.3466% | 2,512 |
| Return on Equity (ROE) | 9.9870% | 2,434 |
| Retained earnings to average equity (ytd only) | 8.3403% | 1,271 |
| Net charge-offs to loans | -0.0044% | 4,174 |
| Credit loss provision to net charge-offs | 500.0000% | 621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2915% | 2,527 |
| Assets per employee ($millions) | 4.1747% | 3,656 |
| Cash dividends to net income (ytd only)* | 16.4881% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3610% | 1,719 |
| Loan loss allowance to noncurrent loans | 657.3351% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.1726% | 3,886 |
| Noncurrent loans to loans | 0.2071% | 3,794 |
| Net loans and leases to total assets | 72.4673% | 2,090 |
| Net loans and leases to deposits | 81.8623% | 2,702 |
| Net loans and leases to core deposits | 85.0944% | 2,982 |
| Total domestic deposits to total assets | 88.5234% | 815 |
| Equity capital to assets | 11.1223% | 2,990 |
| Core capital (leverage) ratio | 10.6975% | 2,935 |
| Tier 1 risk-based capital ratio | 13.0259% | 3,831 |
| Total risk-based capital ratio | 14.2635% | 3,741 |
| Memoranda: | ||
| Average total assets | $485,646,500 | 1,470 |
| Average earning assets | $469,995,250 | 1,421 |
| Average equity | $51,091,750 | 1,572 |
| Average total loans | $363,381,500 | 1,384 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9106% | 4,534 |
| Cost of funding earning assets | 0.4818% | 4,196 |
| Net interest margin | 3.4289% | 3,803 |
| Noninterest income to average assets | 0.7262% | 1,619 |
| Noninterest expense to average assets | 2.7658% | 2,702 |
| Loan and lease loss provision to assets | 0.0371% | 3,072 |
| Net operating income to assets | 0.9751% | 3,005 |
| Return on assets (ROA) | 0.9552% | 3,151 |
| Pretax return on assets | 1.2226% | 2,835 |
| Return on Equity (ROE) | 9.2575% | 2,750 |
| Retained earnings to average equity (ytd only) | 7.6259% | 1,548 |
| Net charge-offs to loans | -0.0312% | 4,697 |
| Credit loss provision to net charge-offs | -157.8947% | 3,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2795% | 2,490 |
| Assets per employee ($millions) | 3.8549% | 4,053 |
| Cash dividends to net income (ytd only)* | 17.6242% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4041% | 1,597 |
| Loan loss allowance to noncurrent loans | 770.7132% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.1563% | 3,978 |
| Noncurrent loans to loans | 0.1822% | 3,905 |
| Net loans and leases to total assets | 73.4257% | 1,979 |
| Net loans and leases to deposits | 82.5122% | 2,671 |
| Net loans and leases to core deposits | 84.9126% | 3,038 |
| Total domestic deposits to total assets | 88.9878% | 666 |
| Equity capital to assets | 10.7296% | 3,321 |
| Core capital (leverage) ratio | 10.5021% | 3,084 |
| Tier 1 risk-based capital ratio | 12.6831% | 4,024 |
| Total risk-based capital ratio | 13.9335% | 3,924 |
| Memoranda: | ||
| Average total assets | $484,714,000 | 1,474 |
| Average earning assets | $469,951,670 | 1,415 |
| Average equity | $50,013,670 | 1,590 |
| Average total loans | $364,893,330 | 1,389 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8925% | 4,561 |
| Cost of funding earning assets | 0.4788% | 4,163 |
| Net interest margin | 3.4137% | 3,850 |
| Noninterest income to average assets | 0.7559% | 1,415 |
| Noninterest expense to average assets | 2.6996% | 2,907 |
| Loan and lease loss provision to assets | 0.0743% | 2,189 |
| Net operating income to assets | 1.0038% | 2,825 |
| Return on assets (ROA) | 0.9640% | 3,038 |
| Pretax return on assets | 1.2416% | 2,660 |
| Return on Equity (ROE) | 9.5337% | 2,576 |
| Retained earnings to average equity (ytd only) | 7.8672% | 1,717 |
| Net charge-offs to loans | -0.0491% | 4,824 |
| Credit loss provision to net charge-offs | -200.0000% | 3,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3958% | 2,881 |
| Assets per employee ($millions) | 3.9660% | 3,973 |
| Cash dividends to net income (ytd only)* | 17.4807% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4041% | 1,663 |
| Loan loss allowance to noncurrent loans | 756.2687% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.1578% | 4,019 |
| Noncurrent loans to loans | 0.1857% | 3,922 |
| Net loans and leases to total assets | 72.9381% | 2,002 |
| Net loans and leases to deposits | 86.6899% | 2,043 |
| Net loans and leases to core deposits | 90.1286% | 2,489 |
| Total domestic deposits to total assets | 84.1367% | 2,997 |
| Equity capital to assets | 10.2758% | 3,548 |
| Core capital (leverage) ratio | 10.1563% | 3,433 |
| Tier 1 risk-based capital ratio | 12.4643% | 4,195 |
| Total risk-based capital ratio | 13.7147% | 4,058 |
| Memoranda: | ||
| Average total assets | $484,214,000 | 1,478 |
| Average earning assets | $469,520,000 | 1,422 |
| Average equity | $48,963,000 | 1,607 |
| Average total loans | $366,481,000 | 1,386 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8432% | 4,402 |
| Cost of funding earning assets | 0.3409% | 4,340 |
| Net interest margin | 3.5023% | 3,699 |
| Noninterest income to average assets | 0.7795% | 1,529 |
| Noninterest expense to average assets | 2.8915% | 2,383 |
| Loan and lease loss provision to assets | 0.1205% | 1,833 |
| Net operating income to assets | 0.9075% | 3,414 |
| Return on assets (ROA) | 0.9075% | 3,403 |
| Pretax return on assets | 1.1629% | 3,051 |
| Return on Equity (ROE) | 9.3674% | 2,802 |
| Retained earnings to average equity (ytd only) | 7.6057% | 1,412 |
| Net charge-offs to loans | 0.0659% | 2,177 |
| Credit loss provision to net charge-offs | 239.4958% | 1,238 |
| Earnings coverage of net charge-offs (x) | 25.5000% | 1,768 |
| Efficiency ratio | 69.2584% | 2,335 |
| Assets per employee ($millions) | 3.8449% | 4,108 |
| Cash dividends to net income (ytd only)* | 18.8068% | 3,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3255% | 1,922 |
| Loan loss allowance to noncurrent loans | 478.8350% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2757% | 3,479 |
| Noncurrent loans to loans | 0.2768% | 3,572 |
| Net loans and leases to total assets | 76.3942% | 1,540 |
| Net loans and leases to deposits | 92.8609% | 1,413 |
| Net loans and leases to core deposits | 96.2911% | 2,039 |
| Total domestic deposits to total assets | 82.2673% | 3,565 |
| Equity capital to assets | 9.9455% | 3,730 |
| Core capital (leverage) ratio | 9.9732% | 3,615 |
| Tier 1 risk-based capital ratio | 12.0351% | 4,408 |
| Total risk-based capital ratio | 13.2663% | 4,311 |
| Memoranda: | ||
| Average total assets | $472,863,000 | 1,480 |
| Average earning assets | $458,447,200 | 1,418 |
| Average equity | $45,807,600 | 1,642 |
| Average total loans | $360,960,600 | 1,365 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7793% | 4,480 |
| Cost of funding earning assets | 0.3067% | 4,473 |
| Net interest margin | 3.4726% | 3,794 |
| Noninterest income to average assets | 0.7412% | 1,709 |
| Noninterest expense to average assets | 2.8573% | 2,439 |
| Loan and lease loss provision to assets | 0.1585% | 1,219 |
| Net operating income to assets | 0.8533% | 3,723 |
| Return on assets (ROA) | 0.8533% | 3,732 |
| Pretax return on assets | 1.0912% | 3,433 |
| Return on Equity (ROE) | 8.8691% | 3,141 |
| Retained earnings to average equity (ytd only) | 7.2271% | 2,010 |
| Net charge-offs to loans | 0.0599% | 1,966 |
| Credit loss provision to net charge-offs | 347.8261% | 905 |
| Earnings coverage of net charge-offs (x) | 27.4163% | 1,703 |
| Efficiency ratio | 69.5712% | 2,262 |
| Assets per employee ($millions) | 3.8574% | 4,097 |
| Cash dividends to net income (ytd only)* | 18.5136% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3482% | 1,894 |
| Loan loss allowance to noncurrent loans | 359.8992% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.3632% | 3,218 |
| Noncurrent loans to loans | 0.3746% | 3,307 |
| Net loans and leases to total assets | 75.8610% | 1,676 |
| Net loans and leases to deposits | 92.1098% | 1,608 |
| Net loans and leases to core deposits | 95.1935% | 2,195 |
| Total domestic deposits to total assets | 82.3593% | 3,504 |
| Equity capital to assets | 9.5151% | 4,068 |
| Core capital (leverage) ratio | 9.8472% | 3,799 |
| Tier 1 risk-based capital ratio | 11.8226% | 4,589 |
| Total risk-based capital ratio | 13.0724% | 4,479 |
| Memoranda: | ||
| Average total assets | $470,926,250 | 1,494 |
| Average earning assets | $456,436,500 | 1,425 |
| Average equity | $45,309,750 | 1,662 |
| Average total loans | $358,178,250 | 1,370 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7473% | 4,472 |
| Cost of funding earning assets | 0.2606% | 4,699 |
| Net interest margin | 3.4867% | 3,678 |
| Noninterest income to average assets | 0.7398% | 1,689 |
| Noninterest expense to average assets | 2.8310% | 2,579 |
| Loan and lease loss provision to assets | 0.1832% | 977 |
| Net operating income to assets | 0.8626% | 3,619 |
| Return on assets (ROA) | 0.8626% | 3,617 |
| Pretax return on assets | 1.1049% | 3,297 |
| Return on Equity (ROE) | 8.9317% | 3,054 |
| Retained earnings to average equity (ytd only) | 7.2828% | 1,933 |
| Net charge-offs to loans | 0.0638% | 1,709 |
| Credit loss provision to net charge-offs | 378.7611% | 854 |
| Earnings coverage of net charge-offs (x) | 26.6283% | 1,595 |
| Efficiency ratio | 68.7279% | 2,525 |
| Assets per employee ($millions) | 3.8315% | 4,166 |
| Cash dividends to net income (ytd only)* | 18.4615% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 1,966 |
| Loan loss allowance to noncurrent loans | 479.5122% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.2919% | 3,600 |
| Noncurrent loans to loans | 0.2806% | 3,696 |
| Net loans and leases to total assets | 75.8374% | 1,663 |
| Net loans and leases to deposits | 88.0921% | 2,100 |
| Net loans and leases to core deposits | 92.1995% | 2,387 |
| Total domestic deposits to total assets | 86.0888% | 2,240 |
| Equity capital to assets | 9.5886% | 4,016 |
| Core capital (leverage) ratio | 9.8893% | 3,693 |
| Tier 1 risk-based capital ratio | 11.8500% | 4,590 |
| Total risk-based capital ratio | 13.0999% | 4,472 |
| Memoranda: | ||
| Average total assets | $467,178,670 | 1,514 |
| Average earning assets | $452,806,000 | 1,447 |
| Average equity | $45,120,000 | 1,668 |
| Average total loans | $353,978,670 | 1,381 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6747% | 4,524 |
| Cost of funding earning assets | 0.2308% | 4,830 |
| Net interest margin | 3.4439% | 3,728 |
| Noninterest income to average assets | 0.7824% | 1,509 |
| Noninterest expense to average assets | 2.9136% | 2,312 |
| Loan and lease loss provision to assets | 0.0743% | 2,281 |
| Net operating income to assets | 0.8825% | 3,363 |
| Return on assets (ROA) | 0.8825% | 3,375 |
| Pretax return on assets | 1.1321% | 3,041 |
| Return on Equity (ROE) | 9.1043% | 2,861 |
| Retained earnings to average equity (ytd only) | 7.5364% | 2,030 |
| Net charge-offs to loans | 0.0218% | 2,067 |
| Credit loss provision to net charge-offs | 452.6316% | 636 |
| Earnings coverage of net charge-offs (x) | 73.5263% | 746 |
| Efficiency ratio | 70.7189% | 2,386 |
| Assets per employee ($millions) | 3.6828% | 4,437 |
| Cash dividends to net income (ytd only)* | 17.2211% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3206% | 2,148 |
| Loan loss allowance to noncurrent loans | 404.4194% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 3,527 |
| Noncurrent loans to loans | 0.3265% | 3,596 |
| Net loans and leases to total assets | 75.1533% | 1,680 |
| Net loans and leases to deposits | 87.6182% | 1,979 |
| Net loans and leases to core deposits | 92.2270% | 2,280 |
| Total domestic deposits to total assets | 85.7737% | 2,646 |
| Equity capital to assets | 9.6676% | 3,921 |
| Core capital (leverage) ratio | 9.9245% | 3,608 |
| Tier 1 risk-based capital ratio | 11.9938% | 4,547 |
| Total risk-based capital ratio | 13.2221% | 4,458 |
| Memoranda: | ||
| Average total assets | $463,214,500 | 1,533 |
| Average earning assets | $448,907,000 | 1,464 |
| Average equity | $44,902,000 | 1,678 |
| Average total loans | $348,356,000 | 1,405 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5603% | 4,663 |
| Cost of funding earning assets | 0.2170% | 4,810 |
| Net interest margin | 3.3432% | 4,031 |
| Noninterest income to average assets | 0.7434% | 1,795 |
| Noninterest expense to average assets | 2.7782% | 2,853 |
| Loan and lease loss provision to assets | 0.0881% | 2,428 |
| Net operating income to assets | 0.6618% | 3,774 |
| Return on assets (ROA) | 0.6618% | 3,813 |
| Pretax return on assets | 1.1168% | 3,115 |
| Return on Equity (ROE) | 6.8768% | 3,342 |
| Retained earnings to average equity (ytd only) | 5.3910% | 1,871 |
| Net charge-offs to loans | 0.0989% | 2,088 |
| Credit loss provision to net charge-offs | 122.1212% | 2,140 |
| Earnings coverage of net charge-offs (x) | 16.7000% | 2,161 |
| Efficiency ratio | 69.7497% | 2,603 |
| Assets per employee ($millions) | 3.8214% | 4,249 |
| Cash dividends to net income (ytd only)* | 21.6056% | 3,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3399% | 2,021 |
| Loan loss allowance to noncurrent loans | 459.0818% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.2950% | 3,704 |
| Noncurrent loans to loans | 0.2919% | 3,737 |
| Net loans and leases to total assets | 73.2508% | 2,056 |
| Net loans and leases to deposits | 85.1111% | 2,359 |
| Net loans and leases to core deposits | 89.7166% | 2,591 |
| Total domestic deposits to total assets | 86.0649% | 2,403 |
| Equity capital to assets | 9.7196% | 4,008 |
| Core capital (leverage) ratio | 9.7285% | 3,774 |
| Tier 1 risk-based capital ratio | 12.0869% | 4,472 |
| Total risk-based capital ratio | 13.3290% | 4,370 |
| Memoranda: | ||
| Average total assets | $457,380,400 | 1,521 |
| Average earning assets | $443,226,000 | 1,458 |
| Average equity | $44,017,600 | 1,688 |
| Average total loans | $333,618,600 | 1,437 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5279% | 4,746 |
| Cost of funding earning assets | 0.2138% | 4,857 |
| Net interest margin | 3.3141% | 4,120 |
| Noninterest income to average assets | 0.7176% | 1,921 |
| Noninterest expense to average assets | 2.7927% | 2,751 |
| Loan and lease loss provision to assets | 0.0772% | 2,532 |
| Net operating income to assets | 0.6890% | 4,031 |
| Return on assets (ROA) | 0.6890% | 4,100 |
| Pretax return on assets | 1.0596% | 3,462 |
| Return on Equity (ROE) | 7.1771% | 3,555 |
| Retained earnings to average equity (ytd only) | 5.7246% | 2,418 |
| Net charge-offs to loans | 0.0274% | 2,896 |
| Credit loss provision to net charge-offs | 388.2353% | 785 |
| Earnings coverage of net charge-offs (x) | 57.1939% | 1,019 |
| Efficiency ratio | 71.0704% | 2,353 |
| Assets per employee ($millions) | 3.7290% | 4,410 |
| Cash dividends to net income (ytd only)* | 20.2374% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3955% | 1,913 |
| Loan loss allowance to noncurrent loans | 175.5110% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.6231% | 2,644 |
| Noncurrent loans to loans | 0.7951% | 2,371 |
| Net loans and leases to total assets | 72.7588% | 2,137 |
| Net loans and leases to deposits | 84.8371% | 2,454 |
| Net loans and leases to core deposits | 88.6221% | 2,717 |
| Total domestic deposits to total assets | 85.7629% | 2,404 |
| Equity capital to assets | 9.7750% | 4,172 |
| Core capital (leverage) ratio | 9.7203% | 3,912 |
| Tier 1 risk-based capital ratio | 11.9313% | 4,680 |
| Total risk-based capital ratio | 13.1816% | 4,552 |
| Memoranda: | ||
| Average total assets | $456,126,750 | 1,539 |
| Average earning assets | $442,062,250 | 1,467 |
| Average equity | $43,786,250 | 1,711 |
| Average total loans | $331,196,250 | 1,449 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4924% | 4,785 |
| Cost of funding earning assets | 0.2117% | 4,873 |
| Net interest margin | 3.2807% | 4,169 |
| Noninterest income to average assets | 0.7121% | 1,937 |
| Noninterest expense to average assets | 2.7526% | 2,917 |
| Loan and lease loss provision to assets | 0.0712% | 2,548 |
| Net operating income to assets | 0.6914% | 3,883 |
| Return on assets (ROA) | 0.6914% | 3,948 |
| Pretax return on assets | 1.0679% | 3,304 |
| Return on Equity (ROE) | 7.2473% | 3,425 |
| Retained earnings to average equity (ytd only) | 5.8107% | 2,225 |
| Net charge-offs to loans | 0.0596% | 2,080 |
| Credit loss provision to net charge-offs | 165.3061% | 1,434 |
| Earnings coverage of net charge-offs (x) | 26.4592% | 1,574 |
| Efficiency ratio | 70.7303% | 2,546 |
| Assets per employee ($millions) | 3.7826% | 4,304 |
| Cash dividends to net income (ytd only)* | 19.8221% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 2,048 |
| Loan loss allowance to noncurrent loans | 167.4936% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.6302% | 2,673 |
| Noncurrent loans to loans | 0.8227% | 2,344 |
| Net loans and leases to total assets | 71.1987% | 2,337 |
| Net loans and leases to deposits | 82.9231% | 2,607 |
| Net loans and leases to core deposits | 86.7097% | 2,816 |
| Total domestic deposits to total assets | 85.8611% | 2,438 |
| Equity capital to assets | 9.6177% | 4,297 |
| Core capital (leverage) ratio | 9.7211% | 3,870 |
| Tier 1 risk-based capital ratio | 12.0313% | 4,614 |
| Total risk-based capital ratio | 13.2813% | 4,496 |
| Memoranda: | ||
| Average total assets | $455,281,670 | 1,542 |
| Average earning assets | $441,245,330 | 1,476 |
| Average equity | $43,437,000 | 1,720 |
| Average total loans | $328,781,670 | 1,458 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4558% | 4,815 |
| Cost of funding earning assets | 0.2098% | 4,887 |
| Net interest margin | 3.2460% | 4,202 |
| Noninterest income to average assets | 0.6979% | 1,983 |
| Noninterest expense to average assets | 2.8457% | 2,632 |
| Loan and lease loss provision to assets | 0.0531% | 2,748 |
| Net operating income to assets | 0.6166% | 4,083 |
| Return on assets (ROA) | 0.6166% | 4,139 |
| Pretax return on assets | 0.9474% | 3,600 |
| Return on Equity (ROE) | 6.4892% | 3,673 |
| Retained earnings to average equity (ytd only) | 5.0368% | 2,872 |
| Net charge-offs to loans | 0.1151% | 1,250 |
| Credit loss provision to net charge-offs | 63.8298% | 1,879 |
| Earnings coverage of net charge-offs (x) | 12.0319% | 1,861 |
| Efficiency ratio | 73.9880% | 2,238 |
| Assets per employee ($millions) | 3.8776% | 4,215 |
| Cash dividends to net income (ytd only)* | 22.3816% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3771% | 2,181 |
| Loan loss allowance to noncurrent loans | 155.6826% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.6672% | 2,630 |
| Noncurrent loans to loans | 0.8846% | 2,262 |
| Net loans and leases to total assets | 70.3239% | 2,319 |
| Net loans and leases to deposits | 83.0587% | 2,387 |
| Net loans and leases to core deposits | 86.9271% | 2,640 |
| Total domestic deposits to total assets | 84.6677% | 3,231 |
| Equity capital to assets | 9.4710% | 4,307 |
| Core capital (leverage) ratio | 9.5371% | 4,074 |
| Tier 1 risk-based capital ratio | 12.1609% | 4,611 |
| Total risk-based capital ratio | 13.4110% | 4,507 |
| Memoranda: | ||
| Average total assets | $452,186,500 | 1,561 |
| Average earning assets | $438,566,500 | 1,491 |
| Average equity | $42,964,000 | 1,739 |
| Average total loans | $326,596,000 | 1,477 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5603% | 4,613 |
| Cost of funding earning assets | 0.1982% | 5,028 |
| Net interest margin | 3.3620% | 3,954 |
| Noninterest income to average assets | 0.8086% | 1,720 |
| Noninterest expense to average assets | 2.8377% | 2,888 |
| Loan and lease loss provision to assets | 0.0778% | 2,808 |
| Net operating income to assets | 0.7416% | 3,580 |
| Return on assets (ROA) | 0.7416% | 3,695 |
| Pretax return on assets | 1.1580% | 2,861 |
| Return on Equity (ROE) | 7.6108% | 3,167 |
| Retained earnings to average equity (ytd only) | 6.3269% | 1,547 |
| Net charge-offs to loans | 0.0097% | 3,938 |
| Credit loss provision to net charge-offs | 1,087.0968% | 360 |
| Earnings coverage of net charge-offs (x) | 172.7097% | 377 |
| Efficiency ratio | 69.6623% | 2,967 |
| Assets per employee ($millions) | 3.7866% | 4,329 |
| Cash dividends to net income (ytd only)* | 16.8690% | 3,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3847% | 2,144 |
| Loan loss allowance to noncurrent loans | 156.1034% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.6864% | 2,653 |
| Noncurrent loans to loans | 0.8870% | 2,328 |
| Net loans and leases to total assets | 72.1550% | 2,149 |
| Net loans and leases to deposits | 85.3407% | 2,259 |
| Net loans and leases to core deposits | 88.5573% | 2,624 |
| Total domestic deposits to total assets | 84.5494% | 3,222 |
| Equity capital to assets | 9.5325% | 4,238 |
| Core capital (leverage) ratio | 9.6591% | 3,903 |
| Tier 1 risk-based capital ratio | 12.1170% | 4,648 |
| Total risk-based capital ratio | 13.3673% | 4,524 |
| Memoranda: | ||
| Average total assets | $433,238,400 | 1,571 |
| Average earning assets | $420,728,600 | 1,497 |
| Average equity | $42,216,400 | 1,752 |
| Average total loans | $319,271,200 | 1,452 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5688% | 4,639 |
| Cost of funding earning assets | 0.1983% | 5,086 |
| Net interest margin | 3.3705% | 3,953 |
| Noninterest income to average assets | 0.8307% | 1,647 |
| Noninterest expense to average assets | 2.8881% | 2,674 |
| Loan and lease loss provision to assets | 0.0847% | 2,528 |
| Net operating income to assets | 0.7243% | 3,725 |
| Return on assets (ROA) | 0.7243% | 3,856 |
| Pretax return on assets | 1.1315% | 3,107 |
| Return on Equity (ROE) | 7.3910% | 3,357 |
| Retained earnings to average equity (ytd only) | 6.1692% | 2,077 |
| Net charge-offs to loans | 0.0550% | 2,574 |
| Credit loss provision to net charge-offs | 208.3969% | 1,399 |
| Earnings coverage of net charge-offs (x) | 29.9317% | 1,491 |
| Efficiency ratio | 70.3673% | 2,837 |
| Assets per employee ($millions) | 3.8454% | 4,227 |
| Cash dividends to net income (ytd only)* | 16.5309% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3714% | 2,335 |
| Loan loss allowance to noncurrent loans | 147.2991% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.7138% | 2,772 |
| Noncurrent loans to loans | 0.9311% | 2,386 |
| Net loans and leases to total assets | 71.5754% | 2,247 |
| Net loans and leases to deposits | 84.4598% | 2,434 |
| Net loans and leases to core deposits | 88.0233% | 2,758 |
| Total domestic deposits to total assets | 84.7450% | 2,917 |
| Equity capital to assets | 9.9178% | 4,224 |
| Core capital (leverage) ratio | 9.6582% | 3,990 |
| Tier 1 risk-based capital ratio | 12.2408% | 4,649 |
| Total risk-based capital ratio | 13.4910% | 4,549 |
| Memoranda: | ||
| Average total assets | $429,843,750 | 1,576 |
| Average earning assets | $417,493,500 | 1,510 |
| Average equity | $42,122,250 | 1,763 |
| Average total loans | $317,357,000 | 1,462 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5825% | 4,646 |
| Cost of funding earning assets | 0.2003% | 5,139 |
| Net interest margin | 3.3822% | 3,961 |
| Noninterest income to average assets | 0.8731% | 1,461 |
| Noninterest expense to average assets | 2.8923% | 2,703 |
| Loan and lease loss provision to assets | 0.0721% | 2,693 |
| Net operating income to assets | 0.7597% | 3,508 |
| Return on assets (ROA) | 0.7597% | 3,650 |
| Pretax return on assets | 1.1906% | 2,813 |
| Return on Equity (ROE) | 7.7849% | 3,094 |
| Retained earnings to average equity (ytd only) | 6.5610% | 1,843 |
| Net charge-offs to loans | 0.0921% | 1,921 |
| Credit loss provision to net charge-offs | 105.4795% | 2,024 |
| Earnings coverage of net charge-offs (x) | 18.4658% | 1,822 |
| Efficiency ratio | 69.6088% | 3,045 |
| Assets per employee ($millions) | 3.7870% | 4,287 |
| Cash dividends to net income (ytd only)* | 15.7213% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3317% | 2,611 |
| Loan loss allowance to noncurrent loans | 146.7384% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.7063% | 2,862 |
| Noncurrent loans to loans | 0.9075% | 2,471 |
| Net loans and leases to total assets | 72.5780% | 2,076 |
| Net loans and leases to deposits | 86.1921% | 2,226 |
| Net loans and leases to core deposits | 88.7040% | 2,665 |
| Total domestic deposits to total assets | 84.2049% | 3,194 |
| Equity capital to assets | 9.9181% | 4,327 |
| Core capital (leverage) ratio | 9.6731% | 3,968 |
| Tier 1 risk-based capital ratio | 11.9583% | 4,851 |
| Total risk-based capital ratio | 13.1892% | 4,781 |
| Memoranda: | ||
| Average total assets | $427,000,330 | 1,586 |
| Average earning assets | $414,345,000 | 1,521 |
| Average equity | $41,670,670 | 1,780 |
| Average total loans | $317,099,000 | 1,462 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6275% | 4,547 |
| Cost of funding earning assets | 0.2087% | 5,118 |
| Net interest margin | 3.4188% | 3,806 |
| Noninterest income to average assets | 0.9646% | 1,157 |
| Noninterest expense to average assets | 2.9352% | 2,589 |
| Loan and lease loss provision to assets | 0.0744% | 2,471 |
| Net operating income to assets | 0.8101% | 3,188 |
| Return on assets (ROA) | 0.8101% | 3,315 |
| Pretax return on assets | 1.2726% | 2,407 |
| Return on Equity (ROE) | 8.3704% | 2,723 |
| Retained earnings to average equity (ytd only) | 7.1635% | 1,811 |
| Net charge-offs to loans | 0.2171% | 937 |
| Credit loss provision to net charge-offs | 45.9302% | 2,088 |
| Earnings coverage of net charge-offs (x) | 8.3140% | 2,063 |
| Efficiency ratio | 68.5438% | 3,371 |
| Assets per employee ($millions) | 3.7722% | 4,358 |
| Cash dividends to net income (ytd only)* | 14.4186% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3028% | 2,882 |
| Loan loss allowance to noncurrent loans | 136.0132% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.7579% | 2,805 |
| Noncurrent loans to loans | 0.9579% | 2,459 |
| Net loans and leases to total assets | 74.0183% | 1,726 |
| Net loans and leases to deposits | 87.3421% | 1,901 |
| Net loans and leases to core deposits | 89.3988% | 2,429 |
| Total domestic deposits to total assets | 84.7453% | 3,229 |
| Equity capital to assets | 9.8853% | 4,235 |
| Core capital (leverage) ratio | 9.4948% | 4,202 |
| Tier 1 risk-based capital ratio | 11.5605% | 5,192 |
| Total risk-based capital ratio | 12.7401% | 5,144 |
| Memoranda: | ||
| Average total assets | $424,643,000 | 1,596 |
| Average earning assets | $412,076,000 | 1,531 |
| Average equity | $41,097,000 | 1,800 |
| Average total loans | $316,869,000 | 1,458 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7342% | 4,258 |
| Cost of funding earning assets | 0.2501% | 4,786 |
| Net interest margin | 3.4840% | 3,579 |
| Noninterest income to average assets | 0.8021% | 1,780 |
| Noninterest expense to average assets | 2.9054% | 2,842 |
| Loan and lease loss provision to assets | 0.1569% | 1,488 |
| Net operating income to assets | 0.7305% | 3,671 |
| Return on assets (ROA) | 0.7305% | 3,767 |
| Pretax return on assets | 1.1136% | 2,982 |
| Return on Equity (ROE) | 7.7618% | 3,100 |
| Retained earnings to average equity (ytd only) | 6.5231% | 1,525 |
| Net charge-offs to loans | 0.0574% | 3,074 |
| Credit loss provision to net charge-offs | 377.5862% | 791 |
| Earnings coverage of net charge-offs (x) | 30.5690% | 1,440 |
| Efficiency ratio | 69.5744% | 3,294 |
| Assets per employee ($millions) | 3.6479% | 4,569 |
| Cash dividends to net income (ytd only)* | 15.9581% | 3,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 2,749 |
| Loan loss allowance to noncurrent loans | 265.4717% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.4117% | 3,953 |
| Noncurrent loans to loans | 0.5017% | 3,682 |
| Net loans and leases to total assets | 73.2596% | 1,846 |
| Net loans and leases to deposits | 87.0572% | 1,996 |
| Net loans and leases to core deposits | 89.3229% | 2,465 |
| Total domestic deposits to total assets | 84.1511% | 3,425 |
| Equity capital to assets | 9.4728% | 4,584 |
| Core capital (leverage) ratio | 9.2070% | 4,606 |
| Tier 1 risk-based capital ratio | 11.7193% | 5,120 |
| Total risk-based capital ratio | 12.9648% | 5,040 |
| Memoranda: | ||
| Average total assets | $418,633,400 | 1,582 |
| Average earning assets | $405,390,800 | 1,515 |
| Average equity | $39,398,200 | 1,825 |
| Average total loans | $303,226,000 | 1,459 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7215% | 4,359 |
| Cost of funding earning assets | 0.2553% | 4,820 |
| Net interest margin | 3.4662% | 3,688 |
| Noninterest income to average assets | 0.8040% | 1,789 |
| Noninterest expense to average assets | 2.9000% | 2,851 |
| Loan and lease loss provision to assets | 0.1706% | 1,239 |
| Net operating income to assets | 0.7172% | 3,836 |
| Return on assets (ROA) | 0.7172% | 3,934 |
| Pretax return on assets | 1.0882% | 3,274 |
| Return on Equity (ROE) | 7.6339% | 3,263 |
| Retained earnings to average equity (ytd only) | 6.4450% | 1,993 |
| Net charge-offs to loans | 0.0485% | 2,924 |
| Credit loss provision to net charge-offs | 488.9908% | 664 |
| Earnings coverage of net charge-offs (x) | 36.0825% | 1,333 |
| Efficiency ratio | 69.7322% | 3,250 |
| Assets per employee ($millions) | 3.7802% | 4,303 |
| Cash dividends to net income (ytd only)* | 15.5733% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3106% | 3,030 |
| Loan loss allowance to noncurrent loans | 266.6240% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.3941% | 4,197 |
| Noncurrent loans to loans | 0.4915% | 3,874 |
| Net loans and leases to total assets | 71.4734% | 2,145 |
| Net loans and leases to deposits | 91.3216% | 1,485 |
| Net loans and leases to core deposits | 92.7350% | 2,195 |
| Total domestic deposits to total assets | 78.2657% | 5,140 |
| Equity capital to assets | 9.1749% | 5,143 |
| Core capital (leverage) ratio | 8.9631% | 5,034 |
| Tier 1 risk-based capital ratio | 11.3466% | 5,465 |
| Total risk-based capital ratio | 12.5753% | 5,383 |
| Memoranda: | ||
| Average total assets | $416,591,750 | 1,598 |
| Average earning assets | $403,193,750 | 1,532 |
| Average equity | $39,140,250 | 1,850 |
| Average total loans | $299,809,250 | 1,478 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7396% | 4,280 |
| Cost of funding earning assets | 0.2633% | 4,797 |
| Net interest margin | 3.4763% | 3,598 |
| Noninterest income to average assets | 0.7975% | 1,789 |
| Noninterest expense to average assets | 2.9153% | 2,841 |
| Loan and lease loss provision to assets | 0.1446% | 1,489 |
| Net operating income to assets | 0.7271% | 3,757 |
| Return on assets (ROA) | 0.7271% | 3,877 |
| Pretax return on assets | 1.0990% | 3,180 |
| Return on Equity (ROE) | 7.6748% | 3,221 |
| Retained earnings to average equity (ytd only) | 6.4575% | 1,970 |
| Net charge-offs to loans | 0.0313% | 3,030 |
| Credit loss provision to net charge-offs | 643.4783% | 519 |
| Earnings coverage of net charge-offs (x) | 55.3261% | 891 |
| Efficiency ratio | 70.0975% | 3,310 |
| Assets per employee ($millions) | 3.5342% | 4,731 |
| Cash dividends to net income (ytd only)* | 15.8602% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 3,292 |
| Loan loss allowance to noncurrent loans | 223.1673% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.4607% | 4,091 |
| Noncurrent loans to loans | 0.5784% | 3,721 |
| Net loans and leases to total assets | 71.9065% | 1,999 |
| Net loans and leases to deposits | 89.7466% | 1,632 |
| Net loans and leases to core deposits | 91.0304% | 2,241 |
| Total domestic deposits to total assets | 80.1217% | 4,836 |
| Equity capital to assets | 9.2222% | 4,990 |
| Core capital (leverage) ratio | 9.0714% | 4,862 |
| Tier 1 risk-based capital ratio | 10.9406% | 5,743 |
| Total risk-based capital ratio | 12.0950% | 5,712 |
| Memoranda: | ||
| Average total assets | $409,289,000 | 1,634 |
| Average earning assets | $395,767,000 | 1,564 |
| Average equity | $38,776,330 | 1,875 |
| Average total loans | $293,888,000 | 1,508 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7621% | 4,159 |
| Cost of funding earning assets | 0.2804% | 4,668 |
| Net interest margin | 3.4817% | 3,503 |
| Noninterest income to average assets | 0.8042% | 1,699 |
| Noninterest expense to average assets | 3.0268% | 2,493 |
| Loan and lease loss provision to assets | 0.1374% | 1,497 |
| Net operating income to assets | 0.6699% | 3,956 |
| Return on assets (ROA) | 0.6699% | 4,078 |
| Pretax return on assets | 1.0023% | 3,493 |
| Return on Equity (ROE) | 6.9726% | 3,521 |
| Retained earnings to average equity (ytd only) | 5.6879% | 2,668 |
| Net charge-offs to loans | 0.0168% | 2,831 |
| Credit loss provision to net charge-offs | 1,150.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 95.4167% | 514 |
| Efficiency ratio | 72.6469% | 3,062 |
| Assets per employee ($millions) | 3.5485% | 4,816 |
| Cash dividends to net income (ytd only)* | 18.4250% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3262% | 3,270 |
| Loan loss allowance to noncurrent loans | 236.6197% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.4411% | 4,273 |
| Noncurrent loans to loans | 0.5605% | 3,906 |
| Net loans and leases to total assets | 70.4500% | 2,077 |
| Net loans and leases to deposits | 82.8233% | 2,231 |
| Net loans and leases to core deposits | 84.2757% | 2,737 |
| Total domestic deposits to total assets | 85.0606% | 3,377 |
| Equity capital to assets | 9.6189% | 4,610 |
| Core capital (leverage) ratio | 9.2514% | 4,649 |
| Tier 1 risk-based capital ratio | 11.8598% | 5,331 |
| Total risk-based capital ratio | 13.0953% | 5,230 |
| Memoranda: | ||
| Average total assets | $401,881,000 | 1,668 |
| Average earning assets | $388,086,000 | 1,597 |
| Average equity | $38,608,500 | 1,898 |
| Average total loans | $286,358,500 | 1,538 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8383% | 4,360 |
| Cost of funding earning assets | 0.3784% | 3,928 |
| Net interest margin | 3.4599% | 3,939 |
| Noninterest income to average assets | 0.8827% | 1,559 |
| Noninterest expense to average assets | 3.8174% | 968 |
| Loan and lease loss provision to assets | 0.0520% | 3,516 |
| Net operating income to assets | 0.2540% | 5,648 |
| Return on assets (ROA) | 0.2540% | 5,708 |
| Pretax return on assets | 0.3293% | 5,648 |
| Return on Equity (ROE) | 2.6496% | 5,586 |
| Retained earnings to average equity (ytd only) | 0.7879% | 5,410 |
| Net charge-offs to loans | 0.0360% | 4,117 |
| Credit loss provision to net charge-offs | 213.8298% | 1,159 |
| Earnings coverage of net charge-offs (x) | 15.6809% | 2,065 |
| Efficiency ratio | 90.9181% | 788 |
| Assets per employee ($millions) | 3.5016% | 4,895 |
| Cash dividends to net income (ytd only)* | 70.2648% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 3,277 |
| Loan loss allowance to noncurrent loans | 269.5025% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.3927% | 4,514 |
| Noncurrent loans to loans | 0.4930% | 4,179 |
| Net loans and leases to total assets | 70.1631% | 2,210 |
| Net loans and leases to deposits | 80.8180% | 2,618 |
| Net loans and leases to core deposits | 82.6017% | 3,038 |
| Total domestic deposits to total assets | 86.8161% | 2,379 |
| Equity capital to assets | 9.5946% | 4,596 |
| Core capital (leverage) ratio | 9.4822% | 4,271 |
| Tier 1 risk-based capital ratio | 11.7819% | 5,500 |
| Total risk-based capital ratio | 12.9675% | 5,443 |
| Memoranda: | ||
| Average total assets | $386,549,600 | 1,692 |
| Average earning assets | $370,473,600 | 1,628 |
| Average equity | $37,062,600 | 1,897 |
| Average total loans | $261,339,800 | 1,621 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8475% | 4,378 |
| Cost of funding earning assets | 0.3951% | 3,842 |
| Net interest margin | 3.4524% | 4,012 |
| Noninterest income to average assets | 0.8876% | 1,560 |
| Noninterest expense to average assets | 3.4732% | 1,521 |
| Loan and lease loss provision to assets | 0.0385% | 3,634 |
| Net operating income to assets | 0.4681% | 5,002 |
| Return on assets (ROA) | 0.4681% | 5,077 |
| Pretax return on assets | 0.6776% | 4,774 |
| Return on Equity (ROE) | 4.8826% | 4,777 |
| Retained earnings to average equity (ytd only) | 2.8883% | 4,544 |
| Net charge-offs to loans | 0.0671% | 3,244 |
| Credit loss provision to net charge-offs | 86.0465% | 2,494 |
| Earnings coverage of net charge-offs (x) | 15.9996% | 2,015 |
| Efficiency ratio | 82.9054% | 1,507 |
| Assets per employee ($millions) | 3.3161% | 5,212 |
| Cash dividends to net income (ytd only)* | 40.8452% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3469% | 3,408 |
| Loan loss allowance to noncurrent loans | 169.5448% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.6143% | 3,989 |
| Noncurrent loans to loans | 0.7944% | 3,598 |
| Net loans and leases to total assets | 68.7929% | 2,412 |
| Net loans and leases to deposits | 80.6347% | 2,599 |
| Net loans and leases to core deposits | 82.3201% | 3,069 |
| Total domestic deposits to total assets | 85.3143% | 3,204 |
| Equity capital to assets | 9.7206% | 4,534 |
| Core capital (leverage) ratio | 9.8036% | 3,934 |
| Tier 1 risk-based capital ratio | 12.4297% | 5,208 |
| Total risk-based capital ratio | 13.6224% | 5,181 |
| Memoranda: | ||
| Average total assets | $384,266,750 | 1,714 |
| Average earning assets | $367,503,500 | 1,652 |
| Average equity | $36,837,250 | 1,914 |
| Average total loans | $256,334,750 | 1,658 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8006% | 4,521 |
| Cost of funding earning assets | 0.4044% | 3,825 |
| Net interest margin | 3.3962% | 4,194 |
| Noninterest income to average assets | 0.8846% | 1,544 |
| Noninterest expense to average assets | 3.4925% | 1,488 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4446% | 5,038 |
| Return on assets (ROA) | 0.4446% | 5,114 |
| Pretax return on assets | 0.6362% | 4,831 |
| Return on Equity (ROE) | 4.6600% | 4,835 |
| Retained earnings to average equity (ytd only) | 2.2645% | 4,756 |
| Net charge-offs to loans | 0.0824% | 2,865 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 11.7500% | 2,126 |
| Efficiency ratio | 84.5902% | 1,434 |
| Assets per employee ($millions) | 3.1468% | 5,515 |
| Cash dividends to net income (ytd only)* | 51.4052% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 3,502 |
| Loan loss allowance to noncurrent loans | 134.0555% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.7281% | 3,794 |
| Noncurrent loans to loans | 1.0197% | 3,197 |
| Net loans and leases to total assets | 65.7492% | 2,795 |
| Net loans and leases to deposits | 75.1911% | 3,163 |
| Net loans and leases to core deposits | 76.7076% | 3,558 |
| Total domestic deposits to total assets | 87.4428% | 2,221 |
| Equity capital to assets | 9.6062% | 4,613 |
| Core capital (leverage) ratio | 9.6889% | 4,059 |
| Tier 1 risk-based capital ratio | 12.4102% | 5,292 |
| Total risk-based capital ratio | 13.5846% | 5,260 |
| Memoranda: | ||
| Average total assets | $384,133,670 | 1,716 |
| Average earning assets | $366,942,670 | 1,650 |
| Average equity | $36,652,330 | 1,915 |
| Average total loans | $252,367,670 | 1,681 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8382% | 4,332 |
| Cost of funding earning assets | 0.4114% | 3,842 |
| Net interest margin | 3.4268% | 4,001 |
| Noninterest income to average assets | 0.8644% | 1,505 |
| Noninterest expense to average assets | 3.5769% | 1,352 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4014% | 5,108 |
| Return on assets (ROA) | 0.4014% | 5,177 |
| Pretax return on assets | 0.5613% | 4,981 |
| Return on Equity (ROE) | 4.2212% | 4,921 |
| Retained earnings to average equity (ytd only) | 1.6599% | 4,951 |
| Net charge-offs to loans | 0.1346% | 1,903 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.3929% | 2,227 |
| Efficiency ratio | 86.4360% | 1,400 |
| Assets per employee ($millions) | 3.0490% | 5,777 |
| Cash dividends to net income (ytd only)* | 60.6771% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4175% | 3,512 |
| Loan loss allowance to noncurrent loans | 116.6776% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 0.9274% | 3,409 |
| Noncurrent loans to loans | 1.2149% | 3,016 |
| Net loans and leases to total assets | 63.7057% | 2,952 |
| Net loans and leases to deposits | 73.4193% | 3,138 |
| Net loans and leases to core deposits | 74.9858% | 3,525 |
| Total domestic deposits to total assets | 86.7697% | 2,954 |
| Equity capital to assets | 9.4520% | 4,559 |
| Core capital (leverage) ratio | 9.6790% | 4,027 |
| Tier 1 risk-based capital ratio | 13.0781% | 4,960 |
| Total risk-based capital ratio | 14.3280% | 4,897 |
| Memoranda: | ||
| Average total assets | $382,673,500 | 1,728 |
| Average earning assets | $365,588,000 | 1,666 |
| Average equity | $36,388,000 | 1,921 |
| Average total loans | $249,545,500 | 1,698 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9369% | 4,332 |
| Cost of funding earning assets | 0.4456% | 4,154 |
| Net interest margin | 3.4913% | 3,942 |
| Noninterest income to average assets | 1.0281% | 1,327 |
| Noninterest expense to average assets | 3.4985% | 1,653 |
| Loan and lease loss provision to assets | -0.0724% | 6,438 |
| Net operating income to assets | 0.6451% | 4,051 |
| Return on assets (ROA) | 0.6451% | 4,163 |
| Pretax return on assets | 0.9325% | 3,630 |
| Return on Equity (ROE) | 6.8224% | 3,661 |
| Retained earnings to average equity (ytd only) | 6.1886% | 1,858 |
| Net charge-offs to loans | 0.2437% | 2,516 |
| Credit loss provision to net charge-offs | -45.6376% | 5,785 |
| Earnings coverage of net charge-offs (x) | 5.4178% | 3,308 |
| Efficiency ratio | 80.2677% | 2,110 |
| Assets per employee ($millions) | 2.9541% | 5,902 |
| Cash dividends to net income (ytd only)* | 9.2898% | 4,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4590% | 3,379 |
| Loan loss allowance to noncurrent loans | 107.6171% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 1.0499% | 3,315 |
| Noncurrent loans to loans | 1.3558% | 2,869 |
| Net loans and leases to total assets | 64.8543% | 2,896 |
| Net loans and leases to deposits | 74.1993% | 3,232 |
| Net loans and leases to core deposits | 75.6971% | 3,640 |
| Total domestic deposits to total assets | 87.4056% | 2,525 |
| Equity capital to assets | 9.5671% | 4,324 |
| Core capital (leverage) ratio | 9.7506% | 3,910 |
| Tier 1 risk-based capital ratio | 13.1453% | 4,889 |
| Total risk-based capital ratio | 14.3957% | 4,833 |
| Memoranda: | ||
| Average total assets | $375,444,600 | 1,742 |
| Average earning assets | $358,150,200 | 1,679 |
| Average equity | $35,500,800 | 1,940 |
| Average total loans | $244,584,000 | 1,699 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9804% | 4,209 |
| Cost of funding earning assets | 0.4505% | 4,267 |
| Net interest margin | 3.5299% | 3,758 |
| Noninterest income to average assets | 1.0406% | 1,342 |
| Noninterest expense to average assets | 3.5171% | 1,577 |
| Loan and lease loss provision to assets | -0.0338% | 6,520 |
| Net operating income to assets | 0.6557% | 4,093 |
| Return on assets (ROA) | 0.6557% | 4,222 |
| Pretax return on assets | 0.9246% | 3,782 |
| Return on Equity (ROE) | 6.9548% | 3,674 |
| Retained earnings to average equity (ytd only) | 6.1057% | 2,342 |
| Net charge-offs to loans | 0.2666% | 2,220 |
| Credit loss provision to net charge-offs | -19.5072% | 5,637 |
| Earnings coverage of net charge-offs (x) | 5.1417% | 3,272 |
| Efficiency ratio | 79.7902% | 2,134 |
| Assets per employee ($millions) | 3.0236% | 5,806 |
| Cash dividends to net income (ytd only)* | 12.2083% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5937% | 3,025 |
| Loan loss allowance to noncurrent loans | 112.3960% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 1.0867% | 3,482 |
| Noncurrent loans to loans | 1.4180% | 3,046 |
| Net loans and leases to total assets | 63.9928% | 3,003 |
| Net loans and leases to deposits | 73.7441% | 3,275 |
| Net loans and leases to core deposits | 75.2553% | 3,705 |
| Total domestic deposits to total assets | 86.7768% | 2,815 |
| Equity capital to assets | 9.3203% | 4,778 |
| Core capital (leverage) ratio | 9.4342% | 4,499 |
| Tier 1 risk-based capital ratio | 12.9002% | 5,192 |
| Total risk-based capital ratio | 14.1518% | 5,130 |
| Memoranda: | ||
| Average total assets | $374,773,500 | 1,755 |
| Average earning assets | $357,511,000 | 1,687 |
| Average equity | $35,332,000 | 1,966 |
| Average total loans | $243,514,000 | 1,705 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0136% | 4,048 |
| Cost of funding earning assets | 0.4553% | 4,371 |
| Net interest margin | 3.5583% | 3,524 |
| Noninterest income to average assets | 1.0511% | 1,378 |
| Noninterest expense to average assets | 3.5353% | 1,529 |
| Loan and lease loss provision to assets | 0.0883% | 3,313 |
| Net operating income to assets | 0.5962% | 4,304 |
| Return on assets (ROA) | 0.5962% | 4,488 |
| Pretax return on assets | 0.8236% | 4,228 |
| Return on Equity (ROE) | 6.2996% | 3,994 |
| Retained earnings to average equity (ytd only) | 5.4514% | 2,774 |
| Net charge-offs to loans | 0.3650% | 1,742 |
| Credit loss provision to net charge-offs | 37.2460% | 3,470 |
| Earnings coverage of net charge-offs (x) | 3.8465% | 3,281 |
| Efficiency ratio | 79.4946% | 2,224 |
| Assets per employee ($millions) | 3.0639% | 5,740 |
| Cash dividends to net income (ytd only)* | 13.4650% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7187% | 2,711 |
| Loan loss allowance to noncurrent loans | 82.1046% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 1.5113% | 2,834 |
| Noncurrent loans to loans | 2.0933% | 2,286 |
| Net loans and leases to total assets | 63.0242% | 3,096 |
| Net loans and leases to deposits | 72.1840% | 3,423 |
| Net loans and leases to core deposits | 73.6534% | 3,858 |
| Total domestic deposits to total assets | 87.3105% | 2,654 |
| Equity capital to assets | 9.2526% | 4,919 |
| Core capital (leverage) ratio | 9.3441% | 4,479 |
| Tier 1 risk-based capital ratio | 12.8614% | 5,250 |
| Total risk-based capital ratio | 14.0857% | 5,195 |
| Memoranda: | ||
| Average total assets | $373,715,000 | 1,757 |
| Average earning assets | $356,690,000 | 1,704 |
| Average equity | $35,367,330 | 1,967 |
| Average total loans | $242,759,670 | 1,703 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0731% | 3,828 |
| Cost of funding earning assets | 0.4681% | 4,396 |
| Net interest margin | 3.6050% | 3,239 |
| Noninterest income to average assets | 1.0827% | 1,262 |
| Noninterest expense to average assets | 3.6220% | 1,380 |
| Loan and lease loss provision to assets | 0.0813% | 3,295 |
| Net operating income to assets | 0.5961% | 4,239 |
| Return on assets (ROA) | 0.5961% | 4,388 |
| Pretax return on assets | 0.8183% | 4,100 |
| Return on Equity (ROE) | 6.2265% | 3,925 |
| Retained earnings to average equity (ytd only) | 5.3774% | 3,017 |
| Net charge-offs to loans | 0.1376% | 2,580 |
| Credit loss provision to net charge-offs | 90.3614% | 2,019 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,783 |
| Efficiency ratio | 80.1055% | 2,323 |
| Assets per employee ($millions) | 2.9646% | 6,052 |
| Cash dividends to net income (ytd only)* | 13.6364% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8454% | 2,463 |
| Loan loss allowance to noncurrent loans | 97.1447% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 1.5166% | 2,976 |
| Noncurrent loans to loans | 1.8996% | 2,737 |
| Net loans and leases to total assets | 63.9485% | 2,716 |
| Net loans and leases to deposits | 73.7157% | 2,956 |
| Net loans and leases to core deposits | 75.2156% | 3,435 |
| Total domestic deposits to total assets | 86.7501% | 3,105 |
| Equity capital to assets | 9.5296% | 4,809 |
| Core capital (leverage) ratio | 9.4164% | 4,215 |
| Tier 1 risk-based capital ratio | 13.4810% | 4,884 |
| Total risk-based capital ratio | 14.7371% | 4,840 |
| Memoranda: | ||
| Average total assets | $369,079,500 | 1,789 |
| Average earning assets | $352,063,500 | 1,729 |
| Average equity | $35,333,000 | 1,997 |
| Average total loans | $241,342,000 | 1,720 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3972% | 3,821 |
| Cost of funding earning assets | 0.5310% | 4,988 |
| Net interest margin | 3.8662% | 2,965 |
| Noninterest income to average assets | 1.1089% | 1,260 |
| Noninterest expense to average assets | 3.7727% | 1,298 |
| Loan and lease loss provision to assets | 0.2038% | 3,106 |
| Net operating income to assets | 0.5799% | 4,334 |
| Return on assets (ROA) | 0.5799% | 4,594 |
| Pretax return on assets | 0.7914% | 4,328 |
| Return on Equity (ROE) | 6.2474% | 4,044 |
| Retained earnings to average equity (ytd only) | 6.2474% | 1,951 |
| Net charge-offs to loans | 0.1434% | 4,261 |
| Credit loss provision to net charge-offs | 221.5569% | 1,134 |
| Earnings coverage of net charge-offs (x) | 10.8204% | 2,100 |
| Efficiency ratio | 79.1279% | 2,261 |
| Assets per employee ($millions) | 2.8938% | 6,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8799% | 2,354 |
| Loan loss allowance to noncurrent loans | 119.8136% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 1.3804% | 3,328 |
| Noncurrent loans to loans | 1.5690% | 3,268 |
| Net loans and leases to total assets | 64.4017% | 2,825 |
| Net loans and leases to deposits | 73.6953% | 3,147 |
| Net loans and leases to core deposits | 76.2427% | 3,493 |
| Total domestic deposits to total assets | 87.3892% | 2,583 |
| Equity capital to assets | 9.6181% | 4,715 |
| Core capital (leverage) ratio | 9.5369% | 4,057 |
| Tier 1 risk-based capital ratio | 13.6592% | 4,634 |
| Total risk-based capital ratio | 14.9156% | 4,577 |
| Memoranda: | ||
| Average total assets | $363,161,400 | 1,791 |
| Average earning assets | $343,695,600 | 1,733 |
| Average equity | $33,710,000 | 2,049 |
| Average total loans | $232,969,600 | 1,749 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4401% | 3,882 |
| Cost of funding earning assets | 0.5411% | 5,154 |
| Net interest margin | 3.8990% | 2,916 |
| Noninterest income to average assets | 1.1110% | 1,222 |
| Noninterest expense to average assets | 3.7805% | 1,244 |
| Loan and lease loss provision to assets | 0.2720% | 2,400 |
| Net operating income to assets | 0.5527% | 4,612 |
| Return on assets (ROA) | 0.5527% | 4,866 |
| Pretax return on assets | 0.7420% | 4,699 |
| Return on Equity (ROE) | 6.0092% | 4,324 |
| Retained earnings to average equity (ytd only) | 6.0092% | 2,693 |
| Net charge-offs to loans | 0.1683% | 3,771 |
| Credit loss provision to net charge-offs | 253.4247% | 1,083 |
| Earnings coverage of net charge-offs (x) | 9.4487% | 2,321 |
| Efficiency ratio | 78.8518% | 2,256 |
| Assets per employee ($millions) | 2.7729% | 6,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9151% | 2,426 |
| Loan loss allowance to noncurrent loans | 112.0158% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 1.6642% | 3,085 |
| Noncurrent loans to loans | 1.7097% | 3,218 |
| Net loans and leases to total assets | 64.5053% | 2,929 |
| Net loans and leases to deposits | 74.1445% | 3,260 |
| Net loans and leases to core deposits | 77.0858% | 3,590 |
| Total domestic deposits to total assets | 86.9995% | 2,667 |
| Equity capital to assets | 9.5675% | 5,117 |
| Core capital (leverage) ratio | 9.3312% | 4,528 |
| Tier 1 risk-based capital ratio | 13.4256% | 4,931 |
| Total risk-based capital ratio | 14.6821% | 4,881 |
| Memoranda: | ||
| Average total assets | $362,797,750 | 1,819 |
| Average earning assets | $342,745,000 | 1,758 |
| Average equity | $33,370,250 | 2,080 |
| Average total loans | $231,382,500 | 1,775 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4217% | 4,100 |
| Cost of funding earning assets | 0.5494% | 5,308 |
| Net interest margin | 3.8723% | 3,029 |
| Noninterest income to average assets | 1.0699% | 1,250 |
| Noninterest expense to average assets | 3.7577% | 1,282 |
| Loan and lease loss provision to assets | 0.2530% | 2,552 |
| Net operating income to assets | 0.5358% | 4,653 |
| Return on assets (ROA) | 0.5358% | 4,929 |
| Pretax return on assets | 0.7113% | 4,800 |
| Return on Equity (ROE) | 5.9034% | 4,364 |
| Retained earnings to average equity (ytd only) | 5.9034% | 2,759 |
| Net charge-offs to loans | 0.6066% | 1,802 |
| Credit loss provision to net charge-offs | 66.0920% | 3,660 |
| Earnings coverage of net charge-offs (x) | 2.5187% | 3,753 |
| Efficiency ratio | 79.5783% | 2,256 |
| Assets per employee ($millions) | 2.7958% | 6,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5961% | 3,618 |
| Loan loss allowance to noncurrent loans | 200.5720% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 1.3651% | 3,704 |
| Noncurrent loans to loans | 0.7958% | 4,919 |
| Net loans and leases to total assets | 64.4323% | 2,949 |
| Net loans and leases to deposits | 74.0401% | 3,289 |
| Net loans and leases to core deposits | 76.8966% | 3,667 |
| Total domestic deposits to total assets | 87.0235% | 2,752 |
| Equity capital to assets | 9.1497% | 5,525 |
| Core capital (leverage) ratio | 9.2075% | 4,600 |
| Tier 1 risk-based capital ratio | 12.9481% | 5,217 |
| Total risk-based capital ratio | 14.2008% | 5,197 |
| Memoranda: | ||
| Average total assets | $363,573,330 | 1,814 |
| Average earning assets | $342,900,000 | 1,755 |
| Average equity | $32,997,670 | 2,085 |
| Average total loans | $229,489,000 | 1,785 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4016% | 4,327 |
| Cost of funding earning assets | 0.5568% | 5,451 |
| Net interest margin | 3.8448% | 3,159 |
| Noninterest income to average assets | 1.1828% | 1,021 |
| Noninterest expense to average assets | 3.7158% | 1,354 |
| Loan and lease loss provision to assets | 0.2993% | 2,089 |
| Net operating income to assets | 0.5853% | 4,417 |
| Return on assets (ROA) | 0.5853% | 4,636 |
| Pretax return on assets | 0.7882% | 4,460 |
| Return on Equity (ROE) | 6.4759% | 4,055 |
| Retained earnings to average equity (ytd only) | 6.4759% | 2,705 |
| Net charge-offs to loans | 0.3259% | 2,345 |
| Credit loss provision to net charge-offs | 148.3516% | 1,686 |
| Earnings coverage of net charge-offs (x) | 5.3901% | 2,386 |
| Efficiency ratio | 77.3598% | 2,594 |
| Assets per employee ($millions) | 2.8571% | 6,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8374% | 2,875 |
| Loan loss allowance to noncurrent loans | 95.1525% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 1.9220% | 3,018 |
| Noncurrent loans to loans | 1.9310% | 3,246 |
| Net loans and leases to total assets | 61.0801% | 3,431 |
| Net loans and leases to deposits | 70.4684% | 3,662 |
| Net loans and leases to core deposits | 73.7234% | 3,930 |
| Total domestic deposits to total assets | 86.6772% | 3,129 |
| Equity capital to assets | 8.9996% | 5,491 |
| Core capital (leverage) ratio | 9.1174% | 4,657 |
| Tier 1 risk-based capital ratio | 13.2726% | 5,011 |
| Total risk-based capital ratio | 14.5279% | 4,988 |
| Memoranda: | ||
| Average total assets | $360,834,500 | 1,837 |
| Average earning assets | $339,785,500 | 1,780 |
| Average equity | $32,613,000 | 2,107 |
| Average total loans | $223,411,000 | 1,830 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6552% | 4,436 |
| Cost of funding earning assets | 0.6610% | 5,761 |
| Net interest margin | 3.9942% | 2,914 |
| Noninterest income to average assets | 1.2384% | 851 |
| Noninterest expense to average assets | 3.8976% | 1,186 |
| Loan and lease loss provision to assets | 0.6181% | 1,666 |
| Net operating income to assets | 0.4133% | 4,801 |
| Return on assets (ROA) | 0.4133% | 4,991 |
| Pretax return on assets | 0.4833% | 5,039 |
| Return on Equity (ROE) | 4.5757% | 4,586 |
| Retained earnings to average equity (ytd only) | 4.5757% | 2,921 |
| Net charge-offs to loans | 1.0556% | 1,640 |
| Credit loss provision to net charge-offs | 89.2340% | 4,042 |
| Earnings coverage of net charge-offs (x) | 1.5901% | 4,579 |
| Efficiency ratio | 77.9690% | 2,590 |
| Assets per employee ($millions) | 2.7173% | 6,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8667% | 2,666 |
| Loan loss allowance to noncurrent loans | 84.5137% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 2.1381% | 2,805 |
| Noncurrent loans to loans | 2.2087% | 2,939 |
| Net loans and leases to total assets | 60.4485% | 3,907 |
| Net loans and leases to deposits | 69.2743% | 4,232 |
| Net loans and leases to core deposits | 72.5188% | 4,443 |
| Total domestic deposits to total assets | 87.2597% | 2,605 |
| Equity capital to assets | 9.0779% | 5,447 |
| Core capital (leverage) ratio | 9.2169% | 4,442 |
| Tier 1 risk-based capital ratio | 13.7528% | 4,516 |
| Total risk-based capital ratio | 15.0084% | 4,473 |
| Memoranda: | ||
| Average total assets | $348,673,600 | 1,859 |
| Average earning assets | $328,277,600 | 1,798 |
| Average equity | $31,492,200 | 2,105 |
| Average total loans | $228,779,000 | 1,813 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6941% | 4,490 |
| Cost of funding earning assets | 0.6817% | 5,867 |
| Net interest margin | 4.0124% | 2,865 |
| Noninterest income to average assets | 1.2105% | 899 |
| Noninterest expense to average assets | 3.8752% | 1,192 |
| Loan and lease loss provision to assets | 0.7246% | 1,324 |
| Net operating income to assets | 0.3594% | 5,164 |
| Return on assets (ROA) | 0.3594% | 5,351 |
| Pretax return on assets | 0.3917% | 5,498 |
| Return on Equity (ROE) | 3.9846% | 4,997 |
| Retained earnings to average equity (ytd only) | 3.9846% | 3,883 |
| Net charge-offs to loans | 1.3953% | 1,080 |
| Credit loss provision to net charge-offs | 77.9248% | 4,212 |
| Earnings coverage of net charge-offs (x) | 1.2005% | 4,726 |
| Efficiency ratio | 77.6357% | 2,591 |
| Assets per employee ($millions) | 2.6720% | 6,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7224% | 3,196 |
| Loan loss allowance to noncurrent loans | 66.6376% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 2.5375% | 2,536 |
| Noncurrent loans to loans | 2.5847% | 2,681 |
| Net loans and leases to total assets | 61.7814% | 3,781 |
| Net loans and leases to deposits | 70.4132% | 4,234 |
| Net loans and leases to core deposits | 73.7189% | 4,493 |
| Total domestic deposits to total assets | 87.7412% | 2,202 |
| Equity capital to assets | 9.2146% | 5,490 |
| Core capital (leverage) ratio | 9.0131% | 4,905 |
| Tier 1 risk-based capital ratio | 13.3555% | 4,831 |
| Total risk-based capital ratio | 14.6096% | 4,800 |
| Memoranda: | ||
| Average total assets | $346,851,000 | 1,873 |
| Average earning assets | $326,841,500 | 1,819 |
| Average equity | $31,286,750 | 2,121 |
| Average total loans | $231,156,750 | 1,818 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7585% | 4,257 |
| Cost of funding earning assets | 0.7004% | 5,955 |
| Net interest margin | 4.0581% | 2,583 |
| Noninterest income to average assets | 1.1731% | 925 |
| Noninterest expense to average assets | 3.9275% | 1,145 |
| Loan and lease loss provision to assets | 0.8263% | 1,104 |
| Net operating income to assets | 0.2714% | 5,477 |
| Return on assets (ROA) | 0.2714% | 5,607 |
| Pretax return on assets | 0.2459% | 5,817 |
| Return on Equity (ROE) | 3.0309% | 5,380 |
| Retained earnings to average equity (ytd only) | 3.0309% | 4,351 |
| Net charge-offs to loans | 1.4341% | 1,048 |
| Credit loss provision to net charge-offs | 84.8214% | 3,623 |
| Earnings coverage of net charge-offs (x) | 1.1006% | 4,454 |
| Efficiency ratio | 78.5549% | 2,620 |
| Assets per employee ($millions) | 2.6020% | 6,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8185% | 2,924 |
| Loan loss allowance to noncurrent loans | 56.9879% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 2.6257% | 2,537 |
| Noncurrent loans to loans | 3.1911% | 2,246 |
| Net loans and leases to total assets | 62.9862% | 3,678 |
| Net loans and leases to deposits | 71.6711% | 4,168 |
| Net loans and leases to core deposits | 75.5311% | 4,374 |
| Total domestic deposits to total assets | 87.8823% | 2,224 |
| Equity capital to assets | 8.9369% | 5,667 |
| Core capital (leverage) ratio | 8.9894% | 4,738 |
| Tier 1 risk-based capital ratio | 12.9488% | 4,954 |
| Total risk-based capital ratio | 14.2043% | 4,934 |
| Memoranda: | ||
| Average total assets | $344,900,330 | 1,893 |
| Average earning assets | $325,226,000 | 1,832 |
| Average equity | $30,882,330 | 2,134 |
| Average total loans | $234,301,000 | 1,822 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8224% | 3,947 |
| Cost of funding earning assets | 0.7158% | 6,053 |
| Net interest margin | 4.1066% | 2,246 |
| Noninterest income to average assets | 1.1073% | 1,065 |
| Noninterest expense to average assets | 3.9682% | 1,076 |
| Loan and lease loss provision to assets | 0.7901% | 1,079 |
| Net operating income to assets | 0.2645% | 5,564 |
| Return on assets (ROA) | 0.2645% | 5,625 |
| Pretax return on assets | 0.2306% | 5,863 |
| Return on Equity (ROE) | 2.9516% | 5,394 |
| Retained earnings to average equity (ytd only) | 2.9516% | 4,394 |
| Net charge-offs to loans | 1.1425% | 1,213 |
| Credit loss provision to net charge-offs | 98.9736% | 2,758 |
| Earnings coverage of net charge-offs (x) | 1.2786% | 3,710 |
| Efficiency ratio | 79.5401% | 2,615 |
| Assets per employee ($millions) | 2.6607% | 6,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8665% | 2,799 |
| Loan loss allowance to noncurrent loans | 44.8134% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 2.9249% | 2,364 |
| Noncurrent loans to loans | 4.1650% | 1,725 |
| Net loans and leases to total assets | 66.0600% | 2,992 |
| Net loans and leases to deposits | 75.0662% | 3,573 |
| Net loans and leases to core deposits | 79.7413% | 3,791 |
| Total domestic deposits to total assets | 88.0024% | 2,370 |
| Equity capital to assets | 8.8984% | 5,350 |
| Core capital (leverage) ratio | 9.0609% | 4,506 |
| Tier 1 risk-based capital ratio | 12.6022% | 5,163 |
| Total risk-based capital ratio | 13.8585% | 5,138 |
| Memoranda: | ||
| Average total assets | $341,718,500 | 1,925 |
| Average earning assets | $322,994,000 | 1,861 |
| Average equity | $30,627,500 | 2,139 |
| Average total loans | $238,778,500 | 1,802 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0446% | 4,348 |
| Cost of funding earning assets | 0.7943% | 6,591 |
| Net interest margin | 4.2503% | 1,994 |
| Noninterest income to average assets | 1.0426% | 1,379 |
| Noninterest expense to average assets | 3.8801% | 1,344 |
| Loan and lease loss provision to assets | 2.1520% | 588 |
| Net operating income to assets | -0.4393% | 6,347 |
| Return on assets (ROA) | -0.4393% | 6,376 |
| Pretax return on assets | -0.9715% | 6,622 |
| Return on Equity (ROE) | -4.9092% | 6,426 |
| Retained earnings to average equity (ytd only) | -8.1120% | 6,545 |
| Net charge-offs to loans | 2.5014% | 750 |
| Credit loss provision to net charge-offs | 117.4217% | 3,641 |
| Earnings coverage of net charge-offs (x) | 0.6441% | 5,467 |
| Efficiency ratio | 76.6728% | 2,936 |
| Assets per employee ($millions) | 2.5190% | 6,985 |
| Cash dividends to net income (ytd only)* | -65.2427% | 7,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7788% | 2,929 |
| Loan loss allowance to noncurrent loans | 37.4839% | 5,811 |
| Noncurrent assets plus other real estate owned to assets | 3.5669% | 1,929 |
| Noncurrent loans to loans | 4.7455% | 1,460 |
| Net loans and leases to total assets | 71.2088% | 2,259 |
| Net loans and leases to deposits | 81.6732% | 2,871 |
| Net loans and leases to core deposits | 85.7810% | 3,350 |
| Total domestic deposits to total assets | 87.1874% | 2,720 |
| Equity capital to assets | 9.0287% | 5,099 |
| Core capital (leverage) ratio | 9.1155% | 4,326 |
| Tier 1 risk-based capital ratio | 12.1110% | 5,375 |
| Total risk-based capital ratio | 13.3664% | 5,352 |
| Memoranda: | ||
| Average total assets | $351,720,000 | 1,861 |
| Average earning assets | $332,491,800 | 1,796 |
| Average equity | $31,471,800 | 2,086 |
| Average total loans | $257,694,000 | 1,719 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9810% | 4,903 |
| Cost of funding earning assets | 0.8060% | 6,745 |
| Net interest margin | 4.1750% | 2,319 |
| Noninterest income to average assets | 1.0291% | 1,378 |
| Noninterest expense to average assets | 3.9376% | 1,140 |
| Loan and lease loss provision to assets | 2.6061% | 384 |
| Net operating income to assets | -0.8043% | 6,796 |
| Return on assets (ROA) | -0.8043% | 6,830 |
| Pretax return on assets | -1.5665% | 7,061 |
| Return on Equity (ROE) | -9.0075% | 6,885 |
| Retained earnings to average equity (ytd only) | -13.2486% | 7,015 |
| Net charge-offs to loans | 3.2375% | 445 |
| Credit loss provision to net charge-offs | 109.5960% | 3,874 |
| Earnings coverage of net charge-offs (x) | 0.4372% | 5,589 |
| Efficiency ratio | 79.1133% | 2,473 |
| Assets per employee ($millions) | 2.5173% | 7,067 |
| Cash dividends to net income (ytd only)* | -47.0836% | 7,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5372% | 3,787 |
| Loan loss allowance to noncurrent loans | 36.6221% | 5,890 |
| Noncurrent assets plus other real estate owned to assets | 3.2463% | 2,200 |
| Noncurrent loans to loans | 4.1975% | 1,744 |
| Net loans and leases to total assets | 71.8062% | 2,295 |
| Net loans and leases to deposits | 81.7595% | 3,151 |
| Net loans and leases to core deposits | 86.3602% | 3,598 |
| Total domestic deposits to total assets | 87.8261% | 2,073 |
| Equity capital to assets | 8.7561% | 5,924 |
| Core capital (leverage) ratio | 8.8005% | 5,008 |
| Tier 1 risk-based capital ratio | 11.6118% | 5,820 |
| Total risk-based capital ratio | 12.8642% | 5,804 |
| Memoranda: | ||
| Average total assets | $355,264,000 | 1,863 |
| Average earning assets | $335,960,250 | 1,802 |
| Average equity | $31,720,750 | 2,088 |
| Average total loans | $260,939,000 | 1,720 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9639% | 5,111 |
| Cost of funding earning assets | 0.8082% | 6,880 |
| Net interest margin | 4.1557% | 2,313 |
| Noninterest income to average assets | 1.0290% | 1,286 |
| Noninterest expense to average assets | 3.7384% | 1,482 |
| Loan and lease loss provision to assets | 1.9045% | 654 |
| Net operating income to assets | -0.2714% | 6,442 |
| Return on assets (ROA) | -0.2714% | 6,486 |
| Pretax return on assets | -0.6786% | 6,711 |
| Return on Equity (ROE) | -3.0215% | 6,520 |
| Retained earnings to average equity (ytd only) | -7.5475% | 6,781 |
| Net charge-offs to loans | 0.2864% | 3,904 |
| Credit loss provision to net charge-offs | 903.4301% | 414 |
| Earnings coverage of net charge-offs (x) | 5.8153% | 2,590 |
| Efficiency ratio | 75.3053% | 3,204 |
| Assets per employee ($millions) | 2.5644% | 7,014 |
| Cash dividends to net income (ytd only)* | -149.7951% | 7,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3846% | 1,446 |
| Loan loss allowance to noncurrent loans | 54.8658% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 3.3143% | 2,128 |
| Noncurrent loans to loans | 4.3463% | 1,705 |
| Net loans and leases to total assets | 72.0634% | 2,379 |
| Net loans and leases to deposits | 82.1393% | 3,251 |
| Net loans and leases to core deposits | 85.4016% | 3,917 |
| Total domestic deposits to total assets | 87.7332% | 2,148 |
| Equity capital to assets | 8.8411% | 5,685 |
| Core capital (leverage) ratio | 8.8933% | 4,757 |
| Tier 1 risk-based capital ratio | 11.9233% | 5,382 |
| Total risk-based capital ratio | 13.1841% | 5,342 |
| Memoranda: | ||
| Average total assets | $359,567,000 | 1,858 |
| Average earning assets | $340,496,000 | 1,798 |
| Average equity | $32,302,000 | 2,045 |
| Average total loans | $264,695,330 | 1,718 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0843% | 4,607 |
| Cost of funding earning assets | 0.8142% | 7,041 |
| Net interest margin | 4.2700% | 1,783 |
| Noninterest income to average assets | 0.9869% | 1,342 |
| Noninterest expense to average assets | 3.7416% | 1,429 |
| Loan and lease loss provision to assets | 0.4984% | 2,507 |
| Net operating income to assets | 0.6181% | 3,816 |
| Return on assets (ROA) | 0.6181% | 3,953 |
| Pretax return on assets | 0.7898% | 3,908 |
| Return on Equity (ROE) | 6.8265% | 3,437 |
| Retained earnings to average equity (ytd only) | 2.0064% | 4,928 |
| Net charge-offs to loans | 0.2697% | 3,334 |
| Credit loss provision to net charge-offs | 251.3966% | 1,531 |
| Earnings coverage of net charge-offs (x) | 6.4972% | 2,215 |
| Efficiency ratio | 74.3889% | 3,513 |
| Assets per employee ($millions) | 2.5111% | 7,182 |
| Cash dividends to net income (ytd only)* | 70.6093% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 4,790 |
| Loan loss allowance to noncurrent loans | 74.5052% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 1.3906% | 4,423 |
| Noncurrent loans to loans | 1.7814% | 4,079 |
| Net loans and leases to total assets | 70.5104% | 2,797 |
| Net loans and leases to deposits | 80.1750% | 3,630 |
| Net loans and leases to core deposits | 89.2539% | 3,464 |
| Total domestic deposits to total assets | 87.9455% | 2,097 |
| Equity capital to assets | 8.8719% | 5,442 |
| Core capital (leverage) ratio | 9.2986% | 4,061 |
| Tier 1 risk-based capital ratio | 12.2527% | 4,940 |
| Total risk-based capital ratio | 13.5030% | 4,913 |
| Memoranda: | ||
| Average total assets | $361,125,500 | 1,897 |
| Average earning assets | $341,916,500 | 1,829 |
| Average equity | $32,696,000 | 2,056 |
| Average total loans | $265,470,500 | 1,772 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6962% | 3,119 |
| Cost of funding earning assets | 1.0740% | 7,048 |
| Net interest margin | 4.6223% | 943 |
| Noninterest income to average assets | 1.0503% | 1,407 |
| Noninterest expense to average assets | 3.9361% | 1,460 |
| Loan and lease loss provision to assets | 0.4709% | 3,996 |
| Net operating income to assets | 0.7799% | 2,602 |
| Return on assets (ROA) | 0.7799% | 2,695 |
| Pretax return on assets | 0.9980% | 2,601 |
| Return on Equity (ROE) | 8.4428% | 2,220 |
| Retained earnings to average equity (ytd only) | 2.7219% | 3,249 |
| Net charge-offs to loans | 0.3575% | 4,440 |
| Credit loss provision to net charge-offs | 173.9639% | 2,426 |
| Earnings coverage of net charge-offs (x) | 5.4261% | 2,604 |
| Efficiency ratio | 72.8231% | 4,130 |
| Assets per employee ($millions) | 2.3699% | 7,392 |
| Cash dividends to net income (ytd only)* | 67.7610% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 5,304 |
| Loan loss allowance to noncurrent loans | 171.8999% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.6360% | 5,871 |
| Noncurrent loans to loans | 0.7033% | 5,836 |
| Net loans and leases to total assets | 74.7436% | 2,089 |
| Net loans and leases to deposits | 91.8702% | 1,916 |
| Net loans and leases to core deposits | 104.0294% | 3,576 |
| Total domestic deposits to total assets | 81.3578% | 5,210 |
| Equity capital to assets | 9.2442% | 4,783 |
| Core capital (leverage) ratio | 9.4715% | 3,753 |
| Tier 1 risk-based capital ratio | 12.1075% | 4,843 |
| Total risk-based capital ratio | 13.2691% | 4,883 |
| Memoranda: | ||
| Average total assets | $347,599,200 | 1,963 |
| Average earning assets | $327,479,000 | 1,899 |
| Average equity | $32,110,200 | 2,080 |
| Average total loans | $263,221,200 | 1,809 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7397% | 3,140 |
| Cost of funding earning assets | 1.1341% | 7,083 |
| Net interest margin | 4.6056% | 983 |
| Noninterest income to average assets | 1.1029% | 1,301 |
| Noninterest expense to average assets | 3.9477% | 1,358 |
| Loan and lease loss provision to assets | 0.3851% | 4,014 |
| Net operating income to assets | 0.8457% | 2,636 |
| Return on assets (ROA) | 0.8457% | 2,701 |
| Pretax return on assets | 1.1099% | 2,534 |
| Return on Equity (ROE) | 9.1564% | 2,208 |
| Retained earnings to average equity (ytd only) | 3.0604% | 3,612 |
| Net charge-offs to loans | 0.2359% | 4,578 |
| Credit loss provision to net charge-offs | 215.5172% | 2,033 |
| Earnings coverage of net charge-offs (x) | 8.3664% | 2,255 |
| Efficiency ratio | 72.5324% | 4,144 |
| Assets per employee ($millions) | 2.3312% | 7,467 |
| Cash dividends to net income (ytd only)* | 66.5754% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1453% | 5,437 |
| Loan loss allowance to noncurrent loans | 136.0816% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.7210% | 5,688 |
| Noncurrent loans to loans | 0.8416% | 5,612 |
| Net loans and leases to total assets | 75.2741% | 2,167 |
| Net loans and leases to deposits | 89.1281% | 2,762 |
| Net loans and leases to core deposits | 109.5254% | 3,291 |
| Total domestic deposits to total assets | 84.4561% | 3,501 |
| Equity capital to assets | 9.1786% | 5,202 |
| Core capital (leverage) ratio | 9.4814% | 3,935 |
| Tier 1 risk-based capital ratio | 11.9977% | 4,983 |
| Total risk-based capital ratio | 13.0963% | 5,046 |
| Memoranda: | ||
| Average total assets | $346,219,500 | 1,979 |
| Average earning assets | $326,233,500 | 1,923 |
| Average equity | $31,977,000 | 2,111 |
| Average total loans | $262,235,750 | 1,836 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7409% | 3,339 |
| Cost of funding earning assets | 1.2212% | 7,044 |
| Net interest margin | 4.5197% | 1,122 |
| Noninterest income to average assets | 1.0869% | 1,353 |
| Noninterest expense to average assets | 3.9903% | 1,328 |
| Loan and lease loss provision to assets | 0.2788% | 4,343 |
| Net operating income to assets | 0.8208% | 2,774 |
| Return on assets (ROA) | 0.8208% | 2,870 |
| Pretax return on assets | 1.0747% | 2,718 |
| Return on Equity (ROE) | 8.8684% | 2,407 |
| Retained earnings to average equity (ytd only) | 2.2783% | 4,068 |
| Net charge-offs to loans | 0.1813% | 4,436 |
| Credit loss provision to net charge-offs | 203.3898% | 2,239 |
| Earnings coverage of net charge-offs (x) | 9.8729% | 2,060 |
| Efficiency ratio | 74.6712% | 3,925 |
| Assets per employee ($millions) | 2.3862% | 7,451 |
| Cash dividends to net income (ytd only)* | 74.3100% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 5,978 |
| Loan loss allowance to noncurrent loans | 169.0809% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.5516% | 6,040 |
| Noncurrent loans to loans | 0.6136% | 6,029 |
| Net loans and leases to total assets | 75.0388% | 2,426 |
| Net loans and leases to deposits | 92.8295% | 2,311 |
| Net loans and leases to core deposits | 104.8785% | 3,970 |
| Total domestic deposits to total assets | 80.8350% | 5,136 |
| Equity capital to assets | 9.0571% | 5,231 |
| Core capital (leverage) ratio | 9.4390% | 3,975 |
| Tier 1 risk-based capital ratio | 11.8980% | 5,002 |
| Total risk-based capital ratio | 12.8949% | 5,177 |
| Memoranda: | ||
| Average total assets | $344,287,670 | 2,007 |
| Average earning assets | $324,271,330 | 1,956 |
| Average equity | $31,866,000 | 2,123 |
| Average total loans | $260,299,000 | 1,884 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7399% | 3,587 |
| Cost of funding earning assets | 1.2882% | 7,053 |
| Net interest margin | 4.4517% | 1,230 |
| Noninterest income to average assets | 1.1017% | 1,232 |
| Noninterest expense to average assets | 3.8005% | 1,474 |
| Loan and lease loss provision to assets | 0.2825% | 3,698 |
| Net operating income to assets | 0.9086% | 2,666 |
| Return on assets (ROA) | 0.9086% | 2,814 |
| Pretax return on assets | 1.2123% | 2,584 |
| Return on Equity (ROE) | 9.7089% | 2,438 |
| Retained earnings to average equity (ytd only) | 1.6852% | 4,903 |
| Net charge-offs to loans | 0.1497% | 3,765 |
| Credit loss provision to net charge-offs | 250.0000% | 1,869 |
| Earnings coverage of net charge-offs (x) | 13.2292% | 1,746 |
| Efficiency ratio | 71.7715% | 4,227 |
| Assets per employee ($millions) | 2.2269% | 7,677 |
| Cash dividends to net income (ytd only)* | 82.6425% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0234% | 6,004 |
| Loan loss allowance to noncurrent loans | 182.9802% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.5033% | 5,960 |
| Noncurrent loans to loans | 0.5593% | 6,016 |
| Net loans and leases to total assets | 75.4932% | 2,390 |
| Net loans and leases to deposits | 89.3249% | 3,045 |
| Net loans and leases to core deposits | 107.3639% | 3,759 |
| Total domestic deposits to total assets | 84.5152% | 3,454 |
| Equity capital to assets | 9.2784% | 4,970 |
| Core capital (leverage) ratio | 9.6893% | 3,770 |
| Tier 1 risk-based capital ratio | 12.1408% | 4,830 |
| Total risk-based capital ratio | 13.1279% | 4,964 |
| Memoranda: | ||
| Average total assets | $339,851,500 | 2,045 |
| Average earning assets | $320,147,000 | 1,983 |
| Average equity | $31,806,000 | 2,129 |
| Average total loans | $256,556,000 | 1,920 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0909% | 5,097 |
| Cost of funding earning assets | 1.8875% | 6,769 |
| Net interest margin | 4.2034% | 2,301 |
| Noninterest income to average assets | 1.1291% | 1,224 |
| Noninterest expense to average assets | 3.8813% | 1,592 |
| Loan and lease loss provision to assets | 0.1336% | 5,652 |
| Net operating income to assets | 0.8641% | 3,152 |
| Return on assets (ROA) | 0.8909% | 2,880 |
| Pretax return on assets | 1.1085% | 3,000 |
| Return on Equity (ROE) | 8.8374% | 2,698 |
| Retained earnings to average equity (ytd only) | 1.9618% | 4,010 |
| Net charge-offs to loans | 0.1263% | 4,976 |
| Credit loss provision to net charge-offs | 145.3608% | 3,631 |
| Earnings coverage of net charge-offs (x) | 13.1478% | 2,165 |
| Efficiency ratio | 76.2041% | 3,207 |
| Assets per employee ($millions) | 2.2302% | 7,662 |
| Cash dividends to net income (ytd only)* | 77.8014% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 5,967 |
| Loan loss allowance to noncurrent loans | 168.7084% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.4911% | 5,733 |
| Noncurrent loans to loans | 0.5971% | 5,582 |
| Net loans and leases to total assets | 73.9407% | 3,117 |
| Net loans and leases to deposits | 89.7947% | 3,486 |
| Net loans and leases to core deposits | 99.4862% | 4,873 |
| Total domestic deposits to total assets | 82.3441% | 4,062 |
| Equity capital to assets | 9.4407% | 4,768 |
| Core capital (leverage) ratio | 9.9652% | 3,478 |
| Tier 1 risk-based capital ratio | 12.4050% | 4,502 |
| Total risk-based capital ratio | 13.3637% | 4,614 |
| Memoranda: | ||
| Average total assets | $316,544,200 | 2,115 |
| Average earning assets | $298,283,000 | 2,051 |
| Average equity | $31,910,000 | 2,119 |
| Average total loans | $230,398,600 | 2,044 |