Home > Citizens Bank and Trust Company of Grainger County > Performance and Condition Ratios
Citizens Bank and Trust Company of Grainger County, 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 | 3.6388% | 4,323 |
| Cost of funding earning assets | 0.3676% | 4,322 |
| Net interest margin | 3.2712% | 2,700 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.0328% | 3,548 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.1846% | 1,685 |
| Return on assets (ROA) | 1.1680% | 1,706 |
| Pretax return on assets | 1.3120% | 1,840 |
| Return on Equity (ROE) | 14.6500% | 1,354 |
| Retained earnings to average equity (ytd only) | 5.7137% | 2,351 |
| Net charge-offs to loans | -0.1216% | 4,517 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.4551% | 3,144 |
| Assets per employee ($millions) | 5.7230% | 3,050 |
| Cash dividends to net income (ytd only)* | 61.0105% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 2,440 |
| Loan loss allowance to noncurrent loans | 156.2319% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.2565% | 1,928 |
| Noncurrent loans to loans | 0.7520% | 1,038 |
| Net loans and leases to total assets | 33.7100% | 4,218 |
| Net loans and leases to deposits | 38.6200% | 4,229 |
| Net loans and leases to core deposits | 43.6926% | 4,210 |
| Total domestic deposits to total assets | 87.2900% | 1,591 |
| Equity capital to assets | 8.9777% | 2,689 |
| Core capital (leverage) ratio | 13.2642% | 976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $269,426,200 | 2,579 |
| Average earning assets | $249,448,600 | 2,575 |
| Average equity | $21,474,800 | 2,735 |
| Average total loans | $82,229,400 | 3,376 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5859% | 4,315 |
| Cost of funding earning assets | 0.2853% | 4,375 |
| Net interest margin | 3.3006% | 2,684 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 1.9945% | 3,607 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.2226% | 1,730 |
| Return on assets (ROA) | 1.2208% | 1,727 |
| Pretax return on assets | 1.3796% | 1,824 |
| Return on Equity (ROE) | 15.8200% | 1,287 |
| Retained earnings to average equity (ytd only) | 9.6634% | 1,503 |
| Net charge-offs to loans | -0.1035% | 4,501 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.9310% | 3,213 |
| Assets per employee ($millions) | 5.7132% | 3,004 |
| Cash dividends to net income (ytd only)* | 38.8979% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1648% | 2,546 |
| Loan loss allowance to noncurrent loans | 162.7608% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.2371% | 2,063 |
| Noncurrent loans to loans | 0.7156% | 1,158 |
| Net loans and leases to total assets | 32.7400% | 4,271 |
| Net loans and leases to deposits | 35.7868% | 4,303 |
| Net loans and leases to core deposits | 39.8019% | 4,265 |
| Total domestic deposits to total assets | 91.4900% | 558 |
| Equity capital to assets | 6.4420% | 3,851 |
| Core capital (leverage) ratio | 13.4769% | 951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $269,538,000 | 2,582 |
| Average earning assets | $249,527,000 | 2,580 |
| Average equity | $20,806,500 | 2,780 |
| Average total loans | $79,848,750 | 3,416 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5089% | 4,334 |
| Cost of funding earning assets | 0.2338% | 4,396 |
| Net interest margin | 3.2751% | 2,811 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.0082% | 3,573 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.1594% | 1,950 |
| Return on assets (ROA) | 1.1627% | 1,937 |
| Pretax return on assets | 1.2988% | 2,082 |
| Return on Equity (ROE) | 14.3000% | 1,619 |
| Retained earnings to average equity (ytd only) | 5.6112% | 2,752 |
| Net charge-offs to loans | -0.0904% | 4,495 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.7261% | 3,110 |
| Assets per employee ($millions) | 5.6541% | 3,022 |
| Cash dividends to net income (ytd only)* | 60.7595% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 2,303 |
| Loan loss allowance to noncurrent loans | 175.5282% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.2137% | 2,128 |
| Noncurrent loans to loans | 0.6996% | 1,069 |
| Net loans and leases to total assets | 30.1800% | 4,326 |
| Net loans and leases to deposits | 33.0279% | 4,354 |
| Net loans and leases to core deposits | 37.3616% | 4,305 |
| Total domestic deposits to total assets | 91.3700% | 535 |
| Equity capital to assets | 8.1183% | 3,141 |
| Core capital (leverage) ratio | 13.1467% | 982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $271,781,333 | 2,578 |
| Average earning assets | $252,331,667 | 2,571 |
| Average equity | $22,098,667 | 2,686 |
| Average total loans | $77,446,000 | 3,455 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4612% | 4,305 |
| Cost of funding earning assets | 0.1785% | 4,413 |
| Net interest margin | 3.2826% | 2,924 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 1.9461% | 3,759 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.2546% | 1,786 |
| Return on assets (ROA) | 1.2751% | 1,707 |
| Pretax return on assets | 1.4498% | 1,769 |
| Return on Equity (ROE) | 15.6700% | 1,427 |
| Retained earnings to average equity (ytd only) | 15.6701% | 722 |
| Net charge-offs to loans | -0.2276% | 4,604 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.8694% | 3,315 |
| Assets per employee ($millions) | 5.8359% | 2,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1497% | 2,822 |
| Loan loss allowance to noncurrent loans | 191.3793% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.1692% | 2,326 |
| Noncurrent loans to loans | 0.6007% | 1,236 |
| Net loans and leases to total assets | 27.8400% | 4,406 |
| Net loans and leases to deposits | 30.6003% | 4,436 |
| Net loans and leases to core deposits | 34.8687% | 4,385 |
| Total domestic deposits to total assets | 90.9700% | 813 |
| Equity capital to assets | 8.6866% | 2,752 |
| Core capital (leverage) ratio | 12.9607% | 994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $274,800,000 | 2,588 |
| Average earning assets | $255,405,500 | 2,580 |
| Average equity | $22,361,000 | 2,693 |
| Average total loans | $75,572,500 | 3,520 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2727% | 3,658 |
| Cost of funding earning assets | 0.1346% | 4,208 |
| Net interest margin | 3.1381% | 3,068 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 1.8721% | 3,888 |
| Loan and lease loss provision to assets | -0.0500% | 4,417 |
| Net operating income to assets | 1.3392% | 1,315 |
| Return on assets (ROA) | 1.2941% | 1,415 |
| Pretax return on assets | 1.4438% | 1,642 |
| Return on Equity (ROE) | 14.0200% | 1,525 |
| Retained earnings to average equity (ytd only) | 6.5691% | 2,420 |
| Net charge-offs to loans | -0.2316% | 4,641 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.4288% | 3,532 |
| Assets per employee ($millions) | 6.1181% | 2,660 |
| Cash dividends to net income (ytd only)* | 53.1414% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9850% | 3,457 |
| Loan loss allowance to noncurrent loans | 201.6620% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.1340% | 2,586 |
| Noncurrent loans to loans | 0.4885% | 1,483 |
| Net loans and leases to total assets | 26.5800% | 4,466 |
| Net loans and leases to deposits | 28.8441% | 4,494 |
| Net loans and leases to core deposits | 32.1332% | 4,448 |
| Total domestic deposits to total assets | 92.1500% | 600 |
| Equity capital to assets | 7.5899% | 3,334 |
| Core capital (leverage) ratio | 12.5240% | 1,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $279,198,400 | 2,557 |
| Average earning assets | $260,732,400 | 2,548 |
| Average equity | $25,772,000 | 2,546 |
| Average total loans | $72,533,400 | 3,532 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1249% | 3,613 |
| Cost of funding earning assets | 0.1333% | 4,005 |
| Net interest margin | 2.9915% | 3,238 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 1.8327% | 3,919 |
| Loan and lease loss provision to assets | -0.0700% | 4,539 |
| Net operating income to assets | 1.2521% | 1,517 |
| Return on assets (ROA) | 1.2735% | 1,411 |
| Pretax return on assets | 1.4505% | 1,554 |
| Return on Equity (ROE) | 13.2200% | 1,636 |
| Retained earnings to average equity (ytd only) | 8.4767% | 1,826 |
| Net charge-offs to loans | -0.3565% | 4,707 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.4948% | 3,445 |
| Assets per employee ($millions) | 6.0703% | 2,701 |
| Cash dividends to net income (ytd only)* | 35.8744% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0192% | 3,385 |
| Loan loss allowance to noncurrent loans | 91.7910% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 0.2973% | 1,757 |
| Noncurrent loans to loans | 1.1103% | 673 |
| Net loans and leases to total assets | 26.2400% | 4,503 |
| Net loans and leases to deposits | 28.0210% | 4,531 |
| Net loans and leases to core deposits | 31.2276% | 4,493 |
| Total domestic deposits to total assets | 93.6400% | 425 |
| Equity capital to assets | 6.0700% | 3,938 |
| Core capital (leverage) ratio | 12.5895% | 1,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $280,169,500 | 2,569 |
| Average earning assets | $262,020,500 | 2,556 |
| Average equity | $26,991,000 | 2,516 |
| Average total loans | $72,190,250 | 3,551 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9565% | 3,660 |
| Cost of funding earning assets | 0.1311% | 3,830 |
| Net interest margin | 2.8255% | 3,364 |
| Noninterest income to average assets | 0.3823% | 2,854 |
| Noninterest expense to average assets | 1.8385% | 3,862 |
| Loan and lease loss provision to assets | -0.1062% | 4,606 |
| Net operating income to assets | 1.1559% | 1,585 |
| Return on assets (ROA) | 1.1830% | 1,463 |
| Pretax return on assets | 1.3359% | 1,626 |
| Return on Equity (ROE) | 10.9714% | 1,983 |
| Retained earnings to average equity (ytd only) | 4.6683% | 2,829 |
| Net charge-offs to loans | -0.5047% | 4,694 |
| Credit loss provision to net charge-offs | 82.4176% | 1,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5220% | 3,233 |
| Assets per employee ($millions) | 6.2049% | 2,558 |
| Cash dividends to net income (ytd only)* | 57.4506% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 3,608 |
| Loan loss allowance to noncurrent loans | 65.7324% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 0.3990% | 1,411 |
| Noncurrent loans to loans | 1.5163% | 489 |
| Net loans and leases to total assets | 25.8619% | 4,563 |
| Net loans and leases to deposits | 28.0953% | 4,585 |
| Net loans and leases to core deposits | 31.4290% | 4,543 |
| Total domestic deposits to total assets | 92.0504% | 814 |
| Equity capital to assets | 7.7422% | 3,311 |
| Core capital (leverage) ratio | 12.4486% | 991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $282,505,333 | 2,574 |
| Average earning assets | $265,513,000 | 2,568 |
| Average equity | $30,461,000 | 2,395 |
| Average total loans | $72,116,333 | 3,582 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7586% | 3,823 |
| Cost of funding earning assets | 0.1280% | 3,801 |
| Net interest margin | 2.6305% | 3,583 |
| Noninterest income to average assets | 0.3674% | 2,890 |
| Noninterest expense to average assets | 1.7568% | 4,042 |
| Loan and lease loss provision to assets | -0.0282% | 4,472 |
| Net operating income to assets | 1.0158% | 1,805 |
| Return on assets (ROA) | 1.0488% | 1,689 |
| Pretax return on assets | 1.1628% | 1,942 |
| Return on Equity (ROE) | 8.5430% | 2,498 |
| Retained earnings to average equity (ytd only) | 8.5430% | 1,413 |
| Net charge-offs to loans | -0.1841% | 4,586 |
| Credit loss provision to net charge-offs | 60.6061% | 1,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5385% | 3,319 |
| Assets per employee ($millions) | 6.3102% | 2,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9800% | 3,802 |
| Loan loss allowance to noncurrent loans | 39.1160% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 0.6402% | 932 |
| Noncurrent loans to loans | 2.5053% | 242 |
| Net loans and leases to total assets | 25.1933% | 4,589 |
| Net loans and leases to deposits | 28.2360% | 4,594 |
| Net loans and leases to core deposits | 31.7457% | 4,543 |
| Total domestic deposits to total assets | 89.2237% | 1,962 |
| Equity capital to assets | 10.5706% | 1,564 |
| Core capital (leverage) ratio | 12.9751% | 779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $284,147,000 | 2,585 |
| Average earning assets | $268,690,500 | 2,563 |
| Average equity | $34,882,500 | 2,261 |
| Average total loans | $71,705,000 | 3,589 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8705% | 4,102 |
| Cost of funding earning assets | 0.1645% | 3,829 |
| Net interest margin | 2.7060% | 3,861 |
| Noninterest income to average assets | 0.4128% | 2,986 |
| Noninterest expense to average assets | 1.8772% | 3,979 |
| Loan and lease loss provision to assets | -0.0843% | 4,490 |
| Net operating income to assets | 1.0935% | 2,318 |
| Return on assets (ROA) | 1.1132% | 2,295 |
| Pretax return on assets | 1.2038% | 2,653 |
| Return on Equity (ROE) | 7.4035% | 3,404 |
| Retained earnings to average equity (ytd only) | 1.8235% | 4,033 |
| Net charge-offs to loans | -0.1850% | 4,693 |
| Credit loss provision to net charge-offs | 180.0000% | 1,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0916% | 2,699 |
| Assets per employee ($millions) | 6.3186% | 2,470 |
| Cash dividends to net income (ytd only)* | 75.3701% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9766% | 3,841 |
| Loan loss allowance to noncurrent loans | 56.5041% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 0.4382% | 1,501 |
| Noncurrent loans to loans | 1.7284% | 495 |
| Net loans and leases to total assets | 24.7836% | 4,653 |
| Net loans and leases to deposits | 29.0401% | 4,642 |
| Net loans and leases to core deposits | 31.9358% | 4,610 |
| Total domestic deposits to total assets | 85.3427% | 3,156 |
| Equity capital to assets | 13.9795% | 668 |
| Core capital (leverage) ratio | 13.1924% | 753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $266,987,800 | 2,623 |
| Average earning assets | $252,844,600 | 2,598 |
| Average equity | $40,143,000 | 2,079 |
| Average total loans | $67,551,800 | 3,699 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8232% | 4,274 |
| Cost of funding earning assets | 0.1776% | 3,847 |
| Net interest margin | 2.6456% | 4,063 |
| Noninterest income to average assets | 0.4147% | 3,007 |
| Noninterest expense to average assets | 1.8412% | 4,081 |
| Loan and lease loss provision to assets | -0.0381% | 4,419 |
| Net operating income to assets | 1.0187% | 2,837 |
| Return on assets (ROA) | 1.0427% | 2,824 |
| Pretax return on assets | 1.1417% | 3,099 |
| Return on Equity (ROE) | 6.8054% | 3,719 |
| Retained earnings to average equity (ytd only) | 3.0946% | 3,875 |
| Net charge-offs to loans | 0.0300% | 1,451 |
| Credit loss provision to net charge-offs | -500.0000% | 3,643 |
| Earnings coverage of net charge-offs (x) | 141.4667% | 704 |
| Efficiency ratio | 63.0892% | 2,527 |
| Assets per employee ($millions) | 6.2499% | 2,455 |
| Cash dividends to net income (ytd only)* | 54.5278% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 3,829 |
| Loan loss allowance to noncurrent loans | 57.4572% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 0.4520% | 1,675 |
| Noncurrent loans to loans | 1.7483% | 567 |
| Net loans and leases to total assets | 25.2654% | 4,725 |
| Net loans and leases to deposits | 29.9040% | 4,701 |
| Net loans and leases to core deposits | 32.9844% | 4,672 |
| Total domestic deposits to total assets | 84.4882% | 3,304 |
| Equity capital to assets | 14.7402% | 587 |
| Core capital (leverage) ratio | 13.7799% | 684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $262,650,500 | 2,675 |
| Average earning assets | $248,555,000 | 2,650 |
| Average equity | $40,241,500 | 2,100 |
| Average total loans | $66,648,750 | 3,765 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8374% | 4,298 |
| Cost of funding earning assets | 0.1882% | 3,866 |
| Net interest margin | 2.6492% | 4,083 |
| Noninterest income to average assets | 0.4131% | 3,045 |
| Noninterest expense to average assets | 1.8930% | 3,982 |
| Loan and lease loss provision to assets | -0.0348% | 4,477 |
| Net operating income to assets | 0.9733% | 2,988 |
| Return on assets (ROA) | 1.0103% | 2,940 |
| Pretax return on assets | 1.0993% | 3,216 |
| Return on Equity (ROE) | 6.5066% | 3,781 |
| Retained earnings to average equity (ytd only) | 0.9267% | 4,361 |
| Net charge-offs to loans | 0.1650% | 507 |
| Credit loss provision to net charge-offs | -83.3333% | 3,036 |
| Earnings coverage of net charge-offs (x) | 24.5185% | 1,433 |
| Efficiency ratio | 64.8899% | 2,311 |
| Assets per employee ($millions) | 5.9450% | 2,672 |
| Cash dividends to net income (ytd only)* | 85.7580% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0404% | 3,670 |
| Loan loss allowance to noncurrent loans | 44.1065% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 0.5958% | 1,404 |
| Noncurrent loans to loans | 2.3589% | 371 |
| Net loans and leases to total assets | 24.7451% | 4,773 |
| Net loans and leases to deposits | 29.4095% | 4,765 |
| Net loans and leases to core deposits | 32.8701% | 4,732 |
| Total domestic deposits to total assets | 84.1397% | 3,383 |
| Equity capital to assets | 15.0028% | 525 |
| Core capital (leverage) ratio | 13.7841% | 663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $258,535,000 | 2,695 |
| Average earning assets | $244,377,333 | 2,665 |
| Average equity | $40,143,667 | 2,099 |
| Average total loans | $65,470,333 | 3,805 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8325% | 4,336 |
| Cost of funding earning assets | 0.1902% | 4,009 |
| Net interest margin | 2.6423% | 4,071 |
| Noninterest income to average assets | 0.4173% | 3,001 |
| Noninterest expense to average assets | 1.8879% | 4,008 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9370% | 3,020 |
| Return on assets (ROA) | 1.0109% | 2,865 |
| Pretax return on assets | 1.1038% | 3,102 |
| Return on Equity (ROE) | 6.3964% | 3,752 |
| Retained earnings to average equity (ytd only) | 6.3964% | 2,761 |
| Net charge-offs to loans | 0.4138% | 200 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 9.7015% | 1,527 |
| Efficiency ratio | 64.8459% | 2,365 |
| Assets per employee ($millions) | 5.7863% | 2,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 3,472 |
| Loan loss allowance to noncurrent loans | 36.2189% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 0.7781% | 1,161 |
| Noncurrent loans to loans | 3.0173% | 258 |
| Net loans and leases to total assets | 25.3038% | 4,795 |
| Net loans and leases to deposits | 30.1011% | 4,794 |
| Net loans and leases to core deposits | 34.1046% | 4,756 |
| Total domestic deposits to total assets | 84.0628% | 3,412 |
| Equity capital to assets | 15.2087% | 469 |
| Core capital (leverage) ratio | 14.6517% | 538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $254,040,500 | 2,709 |
| Average earning assets | $239,789,000 | 2,677 |
| Average equity | $40,147,500 | 2,081 |
| Average total loans | $64,758,000 | 3,831 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1883% | 4,463 |
| Cost of funding earning assets | 0.2433% | 4,409 |
| Net interest margin | 2.9450% | 4,021 |
| Noninterest income to average assets | 0.4409% | 2,910 |
| Noninterest expense to average assets | 2.1880% | 3,697 |
| Loan and lease loss provision to assets | 0.0462% | 3,819 |
| Net operating income to assets | 0.9193% | 2,616 |
| Return on assets (ROA) | 0.9222% | 2,737 |
| Pretax return on assets | 0.9658% | 3,154 |
| Return on Equity (ROE) | 5.3921% | 3,781 |
| Retained earnings to average equity (ytd only) | 1.2721% | 4,117 |
| Net charge-offs to loans | 0.0796% | 1,679 |
| Credit loss provision to net charge-offs | 205.8824% | 2,135 |
| Earnings coverage of net charge-offs (x) | 44.9216% | 1,294 |
| Efficiency ratio | 68.4392% | 2,174 |
| Assets per employee ($millions) | 5.6295% | 2,710 |
| Cash dividends to net income (ytd only)* | 76.4088% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2639% | 2,596 |
| Loan loss allowance to noncurrent loans | 34.5502% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 0.9354% | 1,037 |
| Noncurrent loans to loans | 3.6581% | 177 |
| Net loans and leases to total assets | 25.0734% | 4,835 |
| Net loans and leases to deposits | 30.3735% | 4,828 |
| Net loans and leases to core deposits | 33.7467% | 4,809 |
| Total domestic deposits to total assets | 82.5501% | 3,524 |
| Equity capital to assets | 16.4289% | 387 |
| Core capital (leverage) ratio | 15.1613% | 485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $227,060,600 | 2,748 |
| Average earning assets | $212,496,400 | 2,731 |
| Average equity | $38,834,800 | 2,066 |
| Average total loans | $64,075,000 | 3,846 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2577% | 4,530 |
| Cost of funding earning assets | 0.2598% | 4,475 |
| Net interest margin | 2.9979% | 3,981 |
| Noninterest income to average assets | 0.4434% | 2,875 |
| Noninterest expense to average assets | 2.2214% | 3,634 |
| Loan and lease loss provision to assets | 0.0631% | 3,550 |
| Net operating income to assets | 0.8908% | 2,742 |
| Return on assets (ROA) | 0.8947% | 2,846 |
| Pretax return on assets | 0.9644% | 3,183 |
| Return on Equity (ROE) | 5.1741% | 3,839 |
| Retained earnings to average equity (ytd only) | 2.3942% | 3,788 |
| Net charge-offs to loans | 0.0891% | 1,415 |
| Credit loss provision to net charge-offs | 244.1860% | 1,945 |
| Earnings coverage of net charge-offs (x) | 39.6047% | 1,364 |
| Efficiency ratio | 68.4630% | 2,119 |
| Assets per employee ($millions) | 5.0213% | 3,227 |
| Cash dividends to net income (ytd only)* | 53.7273% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 2,310 |
| Loan loss allowance to noncurrent loans | 31.3549% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 1.0945% | 956 |
| Noncurrent loans to loans | 4.0440% | 161 |
| Net loans and leases to total assets | 26.4934% | 4,880 |
| Net loans and leases to deposits | 32.3669% | 4,875 |
| Net loans and leases to core deposits | 35.3161% | 4,858 |
| Total domestic deposits to total assets | 81.8535% | 3,459 |
| Equity capital to assets | 17.1134% | 361 |
| Core capital (leverage) ratio | 15.7758% | 440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,901,500 | 2,765 |
| Average earning assets | $207,342,000 | 2,751 |
| Average equity | $38,370,000 | 2,080 |
| Average total loans | $64,368,500 | 3,857 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3397% | 4,602 |
| Cost of funding earning assets | 0.2687% | 4,567 |
| Net interest margin | 3.0710% | 3,968 |
| Noninterest income to average assets | 0.4328% | 2,889 |
| Noninterest expense to average assets | 2.2587% | 3,629 |
| Loan and lease loss provision to assets | 0.0645% | 3,488 |
| Net operating income to assets | 0.8945% | 2,706 |
| Return on assets (ROA) | 0.8987% | 2,816 |
| Pretax return on assets | 0.9770% | 3,093 |
| Return on Equity (ROE) | 5.1781% | 3,777 |
| Retained earnings to average equity (ytd only) | 0.9338% | 4,115 |
| Net charge-offs to loans | 0.0896% | 1,353 |
| Credit loss provision to net charge-offs | 241.3793% | 1,772 |
| Earnings coverage of net charge-offs (x) | 38.8276% | 1,270 |
| Efficiency ratio | 68.5387% | 2,162 |
| Assets per employee ($millions) | 4.9271% | 3,266 |
| Cash dividends to net income (ytd only)* | 81.9672% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 2,480 |
| Loan loss allowance to noncurrent loans | 29.9617% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 1.1538% | 959 |
| Noncurrent loans to loans | 4.0277% | 167 |
| Net loans and leases to total assets | 27.6449% | 4,896 |
| Net loans and leases to deposits | 33.7623% | 4,888 |
| Net loans and leases to core deposits | 37.2715% | 4,866 |
| Total domestic deposits to total assets | 81.8811% | 3,401 |
| Equity capital to assets | 17.1883% | 361 |
| Core capital (leverage) ratio | 16.0640% | 434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,201,333 | 2,779 |
| Average earning assets | $202,472,667 | 2,760 |
| Average equity | $37,697,333 | 2,095 |
| Average total loans | $64,715,333 | 3,858 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4957% | 4,634 |
| Cost of funding earning assets | 0.2746% | 4,720 |
| Net interest margin | 3.2212% | 3,803 |
| Noninterest income to average assets | 0.4914% | 2,593 |
| Noninterest expense to average assets | 2.4494% | 3,430 |
| Loan and lease loss provision to assets | 0.0667% | 2,930 |
| Net operating income to assets | 0.8841% | 2,572 |
| Return on assets (ROA) | 0.8876% | 2,657 |
| Pretax return on assets | 0.9733% | 2,922 |
| Return on Equity (ROE) | 5.0868% | 3,597 |
| Retained earnings to average equity (ytd only) | 5.0868% | 2,234 |
| Net charge-offs to loans | 0.1979% | 693 |
| Credit loss provision to net charge-offs | 109.3750% | 1,762 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,508 |
| Efficiency ratio | 70.2732% | 2,308 |
| Assets per employee ($millions) | 4.5100% | 3,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1453% | 2,961 |
| Loan loss allowance to noncurrent loans | 29.0512% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 1.2525% | 964 |
| Noncurrent loans to loans | 3.9423% | 201 |
| Net loans and leases to total assets | 30.2959% | 4,905 |
| Net loans and leases to deposits | 36.6665% | 4,900 |
| Net loans and leases to core deposits | 41.6208% | 4,849 |
| Total domestic deposits to total assets | 82.6258% | 3,228 |
| Equity capital to assets | 17.0421% | 437 |
| Core capital (leverage) ratio | 17.0092% | 414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,014,000 | 2,789 |
| Average earning assets | $195,209,000 | 2,779 |
| Average equity | $36,644,000 | 2,126 |
| Average total loans | $64,672,500 | 3,871 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6027% | 4,773 |
| Cost of funding earning assets | 0.2432% | 4,864 |
| Net interest margin | 3.3595% | 3,853 |
| Noninterest income to average assets | 0.5284% | 2,591 |
| Noninterest expense to average assets | 2.3523% | 3,819 |
| Loan and lease loss provision to assets | -0.0072% | 4,928 |
| Net operating income to assets | 1.1560% | 2,232 |
| Return on assets (ROA) | 1.1714% | 2,270 |
| Pretax return on assets | 1.3205% | 2,440 |
| Return on Equity (ROE) | 6.7640% | 3,634 |
| Retained earnings to average equity (ytd only) | 0.5620% | 4,530 |
| Net charge-offs to loans | 0.0047% | 3,505 |
| Credit loss provision to net charge-offs | -500.0000% | 4,427 |
| Earnings coverage of net charge-offs (x) | 901.0000% | 114 |
| Efficiency ratio | 64.4763% | 3,004 |
| Assets per employee ($millions) | 4.5230% | 3,187 |
| Cash dividends to net income (ytd only)* | 91.6905% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1509% | 2,689 |
| Loan loss allowance to noncurrent loans | 28.9453% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 1.2607% | 893 |
| Noncurrent loans to loans | 3.9762% | 175 |
| Net loans and leases to total assets | 30.5884% | 4,958 |
| Net loans and leases to deposits | 37.5387% | 4,946 |
| Net loans and leases to core deposits | 41.4091% | 4,919 |
| Total domestic deposits to total assets | 81.4851% | 3,649 |
| Equity capital to assets | 17.8622% | 380 |
| Core capital (leverage) ratio | 17.1809% | 398 |
| Tier 1 risk-based capital ratio | 34.8489% | 332 |
| Total risk-based capital ratio | 35.5912% | 339 |
| Memoranda: | ||
| Average total assets | $208,561,000 | 2,774 |
| Average earning assets | $193,689,400 | 2,765 |
| Average equity | $36,117,800 | 2,090 |
| Average total loans | $63,577,400 | 3,917 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6237% | 4,865 |
| Cost of funding earning assets | 0.2437% | 4,934 |
| Net interest margin | 3.3800% | 3,913 |
| Noninterest income to average assets | 0.5341% | 2,542 |
| Noninterest expense to average assets | 2.3825% | 3,737 |
| Loan and lease loss provision to assets | -0.0351% | 5,109 |
| Net operating income to assets | 1.1524% | 2,354 |
| Return on assets (ROA) | 1.1724% | 2,377 |
| Pretax return on assets | 1.3468% | 2,510 |
| Return on Equity (ROE) | 6.8234% | 3,752 |
| Retained earnings to average equity (ytd only) | 2.6587% | 4,027 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8973% | 2,884 |
| Assets per employee ($millions) | 4.3756% | 3,373 |
| Cash dividends to net income (ytd only)* | 61.0355% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 2,978 |
| Loan loss allowance to noncurrent loans | 23.5157% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 1.4860% | 759 |
| Noncurrent loans to loans | 4.7197% | 116 |
| Net loans and leases to total assets | 30.5450% | 5,047 |
| Net loans and leases to deposits | 37.6979% | 5,039 |
| Net loans and leases to core deposits | 41.3557% | 5,003 |
| Total domestic deposits to total assets | 81.0256% | 3,749 |
| Equity capital to assets | 18.3559% | 364 |
| Core capital (leverage) ratio | 17.3863% | 397 |
| Tier 1 risk-based capital ratio | 35.8019% | 328 |
| Total risk-based capital ratio | 36.5169% | 334 |
| Memoranda: | ||
| Average total assets | $208,686,500 | 2,789 |
| Average earning assets | $193,681,000 | 2,785 |
| Average equity | $35,856,250 | 2,112 |
| Average total loans | $63,376,000 | 3,962 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6390% | 4,896 |
| Cost of funding earning assets | 0.2418% | 4,977 |
| Net interest margin | 3.3972% | 3,903 |
| Noninterest income to average assets | 0.5198% | 2,569 |
| Noninterest expense to average assets | 2.3787% | 3,793 |
| Loan and lease loss provision to assets | -0.0525% | 5,178 |
| Net operating income to assets | 1.1651% | 2,279 |
| Return on assets (ROA) | 1.1884% | 2,255 |
| Pretax return on assets | 1.3696% | 2,307 |
| Return on Equity (ROE) | 7.0745% | 3,652 |
| Retained earnings to average equity (ytd only) | 0.7154% | 4,505 |
| Net charge-offs to loans | -0.0379% | 4,750 |
| Credit loss provision to net charge-offs | 458.3333% | 641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8297% | 2,999 |
| Assets per employee ($millions) | 4.3436% | 3,379 |
| Cash dividends to net income (ytd only)* | 89.8876% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1353% | 2,873 |
| Loan loss allowance to noncurrent loans | 22.8171% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 1.5051% | 745 |
| Noncurrent loans to loans | 4.9758% | 107 |
| Net loans and leases to total assets | 29.9047% | 5,097 |
| Net loans and leases to deposits | 36.4422% | 5,100 |
| Net loans and leases to core deposits | 40.3940% | 5,076 |
| Total domestic deposits to total assets | 82.0607% | 3,495 |
| Equity capital to assets | 17.5196% | 423 |
| Core capital (leverage) ratio | 16.7669% | 457 |
| Tier 1 risk-based capital ratio | 34.7471% | 345 |
| Total risk-based capital ratio | 35.4638% | 354 |
| Memoranda: | ||
| Average total assets | $209,698,330 | 2,786 |
| Average earning assets | $194,395,330 | 2,785 |
| Average equity | $35,225,330 | 2,131 |
| Average total loans | $63,327,670 | 3,989 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6290% | 4,935 |
| Cost of funding earning assets | 0.2218% | 5,062 |
| Net interest margin | 3.4072% | 3,870 |
| Noninterest income to average assets | 0.5116% | 2,487 |
| Noninterest expense to average assets | 2.4974% | 3,517 |
| Loan and lease loss provision to assets | -0.0666% | 5,271 |
| Net operating income to assets | 1.0843% | 2,530 |
| Return on assets (ROA) | 1.0994% | 2,519 |
| Pretax return on assets | 1.2534% | 2,613 |
| Return on Equity (ROE) | 6.6870% | 3,776 |
| Retained earnings to average equity (ytd only) | 6.6870% | 2,162 |
| Net charge-offs to loans | -0.0882% | 4,992 |
| Credit loss provision to net charge-offs | 250.0000% | 918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1017% | 2,625 |
| Assets per employee ($millions) | 4.4329% | 3,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 2,759 |
| Loan loss allowance to noncurrent loans | 29.9149% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 1.1594% | 1,166 |
| Noncurrent loans to loans | 3.9023% | 203 |
| Net loans and leases to total assets | 29.3641% | 5,159 |
| Net loans and leases to deposits | 35.4245% | 5,156 |
| Net loans and leases to core deposits | 39.6357% | 5,114 |
| Total domestic deposits to total assets | 82.8922% | 3,421 |
| Equity capital to assets | 16.7958% | 473 |
| Core capital (leverage) ratio | 16.6342% | 464 |
| Tier 1 risk-based capital ratio | 34.4204% | 343 |
| Total risk-based capital ratio | 35.1482% | 349 |
| Memoranda: | ||
| Average total assets | $210,301,500 | 2,805 |
| Average earning assets | $194,766,500 | 2,807 |
| Average equity | $34,574,500 | 2,159 |
| Average total loans | $63,459,000 | 4,021 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6735% | 4,703 |
| Cost of funding earning assets | 0.2063% | 4,977 |
| Net interest margin | 3.4672% | 3,811 |
| Noninterest income to average assets | 0.5331% | 2,643 |
| Noninterest expense to average assets | 2.4259% | 3,813 |
| Loan and lease loss provision to assets | 0.0192% | 3,781 |
| Net operating income to assets | 1.1811% | 2,265 |
| Return on assets (ROA) | 1.2288% | 2,047 |
| Pretax return on assets | 1.3406% | 2,360 |
| Return on Equity (ROE) | 7.7329% | 3,557 |
| Retained earnings to average equity (ytd only) | 2.0563% | 4,336 |
| Net charge-offs to loans | 0.0226% | 2,964 |
| Credit loss provision to net charge-offs | 285.7143% | 1,066 |
| Earnings coverage of net charge-offs (x) | 194.7143% | 465 |
| Efficiency ratio | 64.9704% | 3,030 |
| Assets per employee ($millions) | 4.1565% | 3,677 |
| Cash dividends to net income (ytd only)* | 73.4088% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 2,619 |
| Loan loss allowance to noncurrent loans | 31.6646% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 1.1645% | 1,126 |
| Noncurrent loans to loans | 3.7630% | 214 |
| Net loans and leases to total assets | 30.2854% | 5,200 |
| Net loans and leases to deposits | 36.3788% | 5,191 |
| Net loans and leases to core deposits | 40.3407% | 5,157 |
| Total domestic deposits to total assets | 83.2502% | 3,247 |
| Equity capital to assets | 16.0767% | 524 |
| Core capital (leverage) ratio | 16.3989% | 467 |
| Tier 1 risk-based capital ratio | 33.2741% | 358 |
| Total risk-based capital ratio | 34.0112% | 373 |
| Memoranda: | ||
| Average total assets | $208,420,600 | 2,782 |
| Average earning assets | $192,404,600 | 2,794 |
| Average equity | $33,118,400 | 2,152 |
| Average total loans | $61,910,000 | 4,049 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6413% | 4,736 |
| Cost of funding earning assets | 0.2036% | 5,011 |
| Net interest margin | 3.4378% | 3,901 |
| Noninterest income to average assets | 0.5293% | 2,678 |
| Noninterest expense to average assets | 2.4349% | 3,776 |
| Loan and lease loss provision to assets | 0.0256% | 3,503 |
| Net operating income to assets | 1.0781% | 2,754 |
| Return on assets (ROA) | 1.1360% | 2,522 |
| Pretax return on assets | 1.3092% | 2,586 |
| Return on Equity (ROE) | 7.1698% | 3,870 |
| Retained earnings to average equity (ytd only) | 4.4261% | 3,539 |
| Net charge-offs to loans | -0.0109% | 4,424 |
| Credit loss provision to net charge-offs | -800.0000% | 4,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7518% | 2,915 |
| Assets per employee ($millions) | 4.1259% | 3,689 |
| Cash dividends to net income (ytd only)* | 38.2666% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 2,382 |
| Loan loss allowance to noncurrent loans | 35.1718% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 1.0722% | 1,348 |
| Noncurrent loans to loans | 3.5426% | 266 |
| Net loans and leases to total assets | 29.8901% | 5,280 |
| Net loans and leases to deposits | 35.6457% | 5,277 |
| Net loans and leases to core deposits | 39.0956% | 5,250 |
| Total domestic deposits to total assets | 83.8533% | 2,992 |
| Equity capital to assets | 15.7371% | 578 |
| Core capital (leverage) ratio | 16.4615% | 458 |
| Tier 1 risk-based capital ratio | 34.0003% | 346 |
| Total risk-based capital ratio | 34.7737% | 350 |
| Memoranda: | ||
| Average total assets | $208,570,000 | 2,805 |
| Average earning assets | $192,562,250 | 2,813 |
| Average equity | $33,045,250 | 2,160 |
| Average total loans | $61,462,750 | 4,097 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5802% | 4,795 |
| Cost of funding earning assets | 0.2036% | 5,011 |
| Net interest margin | 3.3767% | 4,032 |
| Noninterest income to average assets | 0.5188% | 2,752 |
| Noninterest expense to average assets | 2.3991% | 3,903 |
| Loan and lease loss provision to assets | 0.0573% | 2,762 |
| Net operating income to assets | 1.0330% | 2,883 |
| Return on assets (ROA) | 1.1045% | 2,573 |
| Pretax return on assets | 1.2669% | 2,642 |
| Return on Equity (ROE) | 6.9558% | 3,915 |
| Retained earnings to average equity (ytd only) | 2.8641% | 4,107 |
| Net charge-offs to loans | 0.0262% | 2,332 |
| Credit loss provision to net charge-offs | 750.0000% | 521 |
| Earnings coverage of net charge-offs (x) | 162.5000% | 485 |
| Efficiency ratio | 65.8882% | 3,004 |
| Assets per employee ($millions) | 4.2431% | 3,511 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 2,370 |
| Loan loss allowance to noncurrent loans | 24.6778% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 1.5300% | 865 |
| Noncurrent loans to loans | 5.1097% | 130 |
| Net loans and leases to total assets | 29.5651% | 5,334 |
| Net loans and leases to deposits | 35.2141% | 5,335 |
| Net loans and leases to core deposits | 39.3293% | 5,295 |
| Total domestic deposits to total assets | 83.9580% | 3,080 |
| Equity capital to assets | 15.7091% | 550 |
| Core capital (leverage) ratio | 15.9998% | 493 |
| Tier 1 risk-based capital ratio | 33.1736% | 366 |
| Total risk-based capital ratio | 33.9491% | 381 |
| Memoranda: | ||
| Average total assets | $209,328,000 | 2,815 |
| Average earning assets | $193,562,670 | 2,815 |
| Average equity | $33,238,670 | 2,156 |
| Average total loans | $61,137,000 | 4,135 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4694% | 4,922 |
| Cost of funding earning assets | 0.1996% | 5,020 |
| Net interest margin | 3.2698% | 4,263 |
| Noninterest income to average assets | 0.5066% | 2,763 |
| Noninterest expense to average assets | 2.5824% | 3,385 |
| Loan and lease loss provision to assets | 0.1143% | 1,654 |
| Net operating income to assets | 0.7815% | 3,784 |
| Return on assets (ROA) | 0.7903% | 3,751 |
| Pretax return on assets | 0.8456% | 4,031 |
| Return on Equity (ROE) | 4.9512% | 4,510 |
| Retained earnings to average equity (ytd only) | 4.9512% | 3,202 |
| Net charge-offs to loans | 0.0066% | 2,498 |
| Credit loss provision to net charge-offs | 6,000.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 499.0000% | 124 |
| Efficiency ratio | 73.0997% | 2,027 |
| Assets per employee ($millions) | 4.4151% | 3,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2780% | 2,350 |
| Loan loss allowance to noncurrent loans | 24.8744% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 1.5024% | 923 |
| Noncurrent loans to loans | 5.1376% | 141 |
| Net loans and leases to total assets | 28.8696% | 5,390 |
| Net loans and leases to deposits | 34.2960% | 5,391 |
| Net loans and leases to core deposits | 38.9364% | 5,331 |
| Total domestic deposits to total assets | 84.1779% | 3,253 |
| Equity capital to assets | 15.5550% | 560 |
| Core capital (leverage) ratio | 16.1327% | 469 |
| Tier 1 risk-based capital ratio | 32.5087% | 392 |
| Total risk-based capital ratio | 33.2768% | 399 |
| Memoranda: | ||
| Average total assets | $210,036,500 | 2,846 |
| Average earning assets | $194,384,500 | 2,833 |
| Average equity | $33,527,500 | 2,158 |
| Average total loans | $60,578,500 | 4,184 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3771% | 4,971 |
| Cost of funding earning assets | 0.1979% | 4,965 |
| Net interest margin | 3.1793% | 4,497 |
| Noninterest income to average assets | 0.3874% | 3,717 |
| Noninterest expense to average assets | 2.3748% | 4,147 |
| Loan and lease loss provision to assets | -0.0769% | 5,447 |
| Net operating income to assets | 0.8423% | 2,987 |
| Return on assets (ROA) | 0.9026% | 2,725 |
| Pretax return on assets | 1.1054% | 3,165 |
| Return on Equity (ROE) | 5.4861% | 3,973 |
| Retained earnings to average equity (ytd only) | 1.5132% | 4,396 |
| Net charge-offs to loans | 0.1300% | 1,753 |
| Credit loss provision to net charge-offs | -207.7922% | 4,805 |
| Earnings coverage of net charge-offs (x) | 25.8052% | 1,699 |
| Efficiency ratio | 71.3193% | 2,332 |
| Assets per employee ($millions) | 4.2479% | 3,580 |
| Cash dividends to net income (ytd only)* | 72.4175% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 2,546 |
| Loan loss allowance to noncurrent loans | 20.9249% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 1.6829% | 768 |
| Noncurrent loans to loans | 5.9189% | 91 |
| Net loans and leases to total assets | 28.0810% | 5,466 |
| Net loans and leases to deposits | 33.7084% | 5,464 |
| Net loans and leases to core deposits | 37.1957% | 5,438 |
| Total domestic deposits to total assets | 83.3056% | 3,464 |
| Equity capital to assets | 16.3778% | 469 |
| Core capital (leverage) ratio | 16.1598% | 455 |
| Tier 1 risk-based capital ratio | 33.6638% | 354 |
| Total risk-based capital ratio | 34.4085% | 360 |
| Memoranda: | ||
| Average total assets | $208,062,600 | 2,842 |
| Average earning assets | $192,560,000 | 2,838 |
| Average equity | $34,231,800 | 2,123 |
| Average total loans | $59,213,600 | 4,218 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3766% | 4,995 |
| Cost of funding earning assets | 0.1980% | 4,993 |
| Net interest margin | 3.1786% | 4,513 |
| Noninterest income to average assets | 0.3640% | 3,922 |
| Noninterest expense to average assets | 2.3988% | 4,024 |
| Loan and lease loss provision to assets | -0.1218% | 5,611 |
| Net operating income to assets | 0.8287% | 3,396 |
| Return on assets (ROA) | 0.9081% | 3,051 |
| Pretax return on assets | 1.1273% | 3,199 |
| Return on Equity (ROE) | 5.5134% | 4,311 |
| Retained earnings to average equity (ytd only) | 2.8676% | 4,198 |
| Net charge-offs to loans | 0.1036% | 1,748 |
| Credit loss provision to net charge-offs | -413.0435% | 4,764 |
| Earnings coverage of net charge-offs (x) | 30.7835% | 1,530 |
| Efficiency ratio | 72.5528% | 2,126 |
| Assets per employee ($millions) | 4.1997% | 3,645 |
| Cash dividends to net income (ytd only)* | 47.9884% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 2,762 |
| Loan loss allowance to noncurrent loans | 19.9782% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 1.8252% | 752 |
| Noncurrent loans to loans | 6.1416% | 98 |
| Net loans and leases to total assets | 28.7133% | 5,527 |
| Net loans and leases to deposits | 34.7658% | 5,515 |
| Net loans and leases to core deposits | 38.1937% | 5,489 |
| Total domestic deposits to total assets | 82.5907% | 3,585 |
| Equity capital to assets | 17.0993% | 415 |
| Core capital (leverage) ratio | 16.3895% | 447 |
| Tier 1 risk-based capital ratio | 34.1785% | 348 |
| Total risk-based capital ratio | 34.9254% | 352 |
| Memoranda: | ||
| Average total assets | $208,041,250 | 2,864 |
| Average earning assets | $192,576,750 | 2,868 |
| Average equity | $34,267,250 | 2,132 |
| Average total loans | $59,221,250 | 4,264 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3638% | 5,010 |
| Cost of funding earning assets | 0.1975% | 5,010 |
| Net interest margin | 3.1663% | 4,503 |
| Noninterest income to average assets | 0.3008% | 4,384 |
| Noninterest expense to average assets | 2.3775% | 4,124 |
| Loan and lease loss provision to assets | -0.1820% | 5,701 |
| Net operating income to assets | 0.8170% | 3,317 |
| Return on assets (ROA) | 0.8889% | 3,025 |
| Pretax return on assets | 1.1293% | 3,054 |
| Return on Equity (ROE) | 5.4652% | 4,286 |
| Retained earnings to average equity (ytd only) | 1.4605% | 4,659 |
| Net charge-offs to loans | 0.1322% | 1,367 |
| Credit loss provision to net charge-offs | -487.1795% | 4,661 |
| Earnings coverage of net charge-offs (x) | 22.9231% | 1,689 |
| Efficiency ratio | 73.5190% | 2,093 |
| Assets per employee ($millions) | 4.2629% | 3,502 |
| Cash dividends to net income (ytd only)* | 73.2759% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2124% | 2,939 |
| Loan loss allowance to noncurrent loans | 20.3181% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 1.7852% | 773 |
| Noncurrent loans to loans | 5.9670% | 104 |
| Net loans and leases to total assets | 28.9055% | 5,568 |
| Net loans and leases to deposits | 34.8454% | 5,556 |
| Net loans and leases to core deposits | 38.6989% | 5,529 |
| Total domestic deposits to total assets | 82.9535% | 3,584 |
| Equity capital to assets | 16.7215% | 436 |
| Core capital (leverage) ratio | 16.0328% | 471 |
| Tier 1 risk-based capital ratio | 33.3861% | 351 |
| Total risk-based capital ratio | 34.1335% | 365 |
| Memoranda: | ||
| Average total assets | $208,793,000 | 2,870 |
| Average earning assets | $193,409,670 | 2,866 |
| Average equity | $33,960,330 | 2,146 |
| Average total loans | $59,021,000 | 4,290 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3824% | 4,969 |
| Cost of funding earning assets | 0.1949% | 5,024 |
| Net interest margin | 3.1875% | 4,381 |
| Noninterest income to average assets | 0.4311% | 3,438 |
| Noninterest expense to average assets | 2.5389% | 3,693 |
| Loan and lease loss provision to assets | -0.0766% | 5,739 |
| Net operating income to assets | 0.7894% | 3,271 |
| Return on assets (ROA) | 0.8010% | 3,273 |
| Pretax return on assets | 0.9274% | 3,668 |
| Return on Equity (ROE) | 4.9945% | 4,393 |
| Retained earnings to average equity (ytd only) | 4.9945% | 2,899 |
| Net charge-offs to loans | 0.1587% | 1,023 |
| Credit loss provision to net charge-offs | -173.9130% | 4,027 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,547 |
| Efficiency ratio | 75.1986% | 2,034 |
| Assets per employee ($millions) | 4.3216% | 3,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5937% | 1,403 |
| Loan loss allowance to noncurrent loans | 18.6549% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 2.3395% | 519 |
| Noncurrent loans to loans | 8.5429% | 48 |
| Net loans and leases to total assets | 26.4481% | 5,663 |
| Net loans and leases to deposits | 31.6536% | 5,658 |
| Net loans and leases to core deposits | 35.4457% | 5,628 |
| Total domestic deposits to total assets | 83.5548% | 3,636 |
| Equity capital to assets | 16.1463% | 466 |
| Core capital (leverage) ratio | 15.7973% | 487 |
| Tier 1 risk-based capital ratio | 35.2727% | 319 |
| Total risk-based capital ratio | 36.2342% | 320 |
| Memoranda: | ||
| Average total assets | $208,749,000 | 2,900 |
| Average earning assets | $192,881,000 | 2,899 |
| Average equity | $33,476,500 | 2,176 |
| Average total loans | $57,972,000 | 4,345 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3770% | 5,027 |
| Cost of funding earning assets | 0.2032% | 4,985 |
| Net interest margin | 3.1738% | 4,522 |
| Noninterest income to average assets | 0.4948% | 3,273 |
| Noninterest expense to average assets | 2.4775% | 4,081 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8406% | 3,106 |
| Return on assets (ROA) | 0.8453% | 3,201 |
| Pretax return on assets | 0.9676% | 3,591 |
| Return on Equity (ROE) | 5.0771% | 4,397 |
| Retained earnings to average equity (ytd only) | 1.0673% | 4,885 |
| Net charge-offs to loans | 0.0596% | 2,858 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 52.9730% | 976 |
| Efficiency ratio | 72.0280% | 2,585 |
| Assets per employee ($millions) | 4.1988% | 3,623 |
| Cash dividends to net income (ytd only)* | 78.9779% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6432% | 1,272 |
| Loan loss allowance to noncurrent loans | 19.5210% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 2.4686% | 486 |
| Noncurrent loans to loans | 8.4176% | 48 |
| Net loans and leases to total assets | 28.2206% | 5,677 |
| Net loans and leases to deposits | 33.7111% | 5,681 |
| Net loans and leases to core deposits | 36.8508% | 5,663 |
| Total domestic deposits to total assets | 83.7129% | 3,535 |
| Equity capital to assets | 15.9240% | 503 |
| Core capital (leverage) ratio | 16.1681% | 439 |
| Tier 1 risk-based capital ratio | 34.3550% | 340 |
| Total risk-based capital ratio | 35.3693% | 339 |
| Memoranda: | ||
| Average total assets | $203,709,400 | 2,915 |
| Average earning assets | $189,014,400 | 2,903 |
| Average equity | $33,916,800 | 2,138 |
| Average total loans | $62,052,400 | 4,226 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4116% | 5,008 |
| Cost of funding earning assets | 0.1935% | 5,133 |
| Net interest margin | 3.2180% | 4,434 |
| Noninterest income to average assets | 0.5033% | 3,226 |
| Noninterest expense to average assets | 2.4960% | 3,995 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8223% | 3,271 |
| Return on assets (ROA) | 0.8766% | 3,151 |
| Pretax return on assets | 1.0630% | 3,383 |
| Return on Equity (ROE) | 5.2076% | 4,428 |
| Retained earnings to average equity (ytd only) | 2.5570% | 4,382 |
| Net charge-offs to loans | 0.0658% | 2,397 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 49.0027% | 1,090 |
| Efficiency ratio | 71.4635% | 2,659 |
| Assets per employee ($millions) | 4.1921% | 3,605 |
| Cash dividends to net income (ytd only)* | 50.8979% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5994% | 1,473 |
| Loan loss allowance to noncurrent loans | 18.3562% | 5,334 |
| Noncurrent assets plus other real estate owned to assets | 2.6566% | 490 |
| Noncurrent loans to loans | 8.7130% | 50 |
| Net loans and leases to total assets | 29.2331% | 5,727 |
| Net loans and leases to deposits | 35.3357% | 5,737 |
| Net loans and leases to core deposits | 38.6745% | 5,708 |
| Total domestic deposits to total assets | 82.7297% | 3,696 |
| Equity capital to assets | 16.9499% | 439 |
| Core capital (leverage) ratio | 16.5127% | 414 |
| Tier 1 risk-based capital ratio | 35.0526% | 334 |
| Total risk-based capital ratio | 36.0807% | 332 |
| Memoranda: | ||
| Average total assets | $203,201,750 | 2,933 |
| Average earning assets | $188,765,500 | 2,922 |
| Average equity | $34,205,500 | 2,138 |
| Average total loans | $62,807,750 | 4,232 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4449% | 4,991 |
| Cost of funding earning assets | 0.1932% | 5,205 |
| Net interest margin | 3.2517% | 4,372 |
| Noninterest income to average assets | 0.5561% | 2,873 |
| Noninterest expense to average assets | 2.4646% | 4,137 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8922% | 2,899 |
| Return on assets (ROA) | 0.9720% | 2,656 |
| Pretax return on assets | 1.2170% | 2,713 |
| Return on Equity (ROE) | 5.7880% | 4,149 |
| Retained earnings to average equity (ytd only) | 1.7881% | 4,661 |
| Net charge-offs to loans | 0.0852% | 1,993 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 41.8889% | 1,123 |
| Efficiency ratio | 68.8086% | 3,189 |
| Assets per employee ($millions) | 4.1307% | 3,688 |
| Cash dividends to net income (ytd only)* | 69.1057% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5510% | 1,669 |
| Loan loss allowance to noncurrent loans | 17.9817% | 5,434 |
| Noncurrent assets plus other real estate owned to assets | 2.7731% | 461 |
| Noncurrent loans to loans | 8.6253% | 53 |
| Net loans and leases to total assets | 30.7333% | 5,767 |
| Net loans and leases to deposits | 37.1297% | 5,763 |
| Net loans and leases to core deposits | 40.9611% | 5,710 |
| Total domestic deposits to total assets | 82.7727% | 3,734 |
| Equity capital to assets | 16.9540% | 438 |
| Core capital (leverage) ratio | 16.4913% | 406 |
| Tier 1 risk-based capital ratio | 34.6059% | 340 |
| Total risk-based capital ratio | 35.6361% | 343 |
| Memoranda: | ||
| Average total assets | $202,465,330 | 2,956 |
| Average earning assets | $188,396,330 | 2,947 |
| Average equity | $34,001,670 | 2,149 |
| Average total loans | $63,402,330 | 4,247 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4572% | 4,989 |
| Cost of funding earning assets | 0.1930% | 5,262 |
| Net interest margin | 3.2642% | 4,346 |
| Noninterest income to average assets | 0.4128% | 3,728 |
| Noninterest expense to average assets | 2.6391% | 3,619 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6818% | 3,806 |
| Return on assets (ROA) | 0.8494% | 3,120 |
| Pretax return on assets | 1.0134% | 3,430 |
| Return on Equity (ROE) | 5.0821% | 4,444 |
| Retained earnings to average equity (ytd only) | 5.0821% | 2,885 |
| Net charge-offs to loans | 0.0189% | 2,558 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 137.3333% | 431 |
| Efficiency ratio | 76.4302% | 2,117 |
| Assets per employee ($millions) | 4.0702% | 3,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5863% | 1,648 |
| Loan loss allowance to noncurrent loans | 18.1129% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 2.7802% | 488 |
| Noncurrent loans to loans | 8.7578% | 57 |
| Net loans and leases to total assets | 30.6072% | 5,814 |
| Net loans and leases to deposits | 36.9210% | 5,806 |
| Net loans and leases to core deposits | 41.5151% | 5,732 |
| Total domestic deposits to total assets | 82.8990% | 3,938 |
| Equity capital to assets | 16.8239% | 435 |
| Core capital (leverage) ratio | 16.5701% | 410 |
| Tier 1 risk-based capital ratio | 34.7505% | 343 |
| Total risk-based capital ratio | 35.8062% | 343 |
| Memoranda: | ||
| Average total assets | $202,495,000 | 2,960 |
| Average earning assets | $188,589,500 | 2,953 |
| Average equity | $33,844,500 | 2,152 |
| Average total loans | $63,510,500 | 4,275 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6024% | 4,669 |
| Cost of funding earning assets | 0.2164% | 5,131 |
| Net interest margin | 3.3860% | 3,958 |
| Noninterest income to average assets | 0.4602% | 3,591 |
| Noninterest expense to average assets | 2.4722% | 4,317 |
| Loan and lease loss provision to assets | 0.0603% | 3,097 |
| Net operating income to assets | 0.9029% | 2,854 |
| Return on assets (ROA) | 0.9108% | 2,892 |
| Pretax return on assets | 1.0499% | 3,266 |
| Return on Equity (ROE) | 5.4130% | 4,326 |
| Retained earnings to average equity (ytd only) | 0.9345% | 5,144 |
| Net charge-offs to loans | 0.0686% | 2,866 |
| Credit loss provision to net charge-offs | 272.7273% | 1,063 |
| Earnings coverage of net charge-offs (x) | 49.8182% | 1,006 |
| Efficiency ratio | 69.1832% | 3,370 |
| Assets per employee ($millions) | 4.2869% | 3,414 |
| Cash dividends to net income (ytd only)* | 82.7358% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5801% | 1,678 |
| Loan loss allowance to noncurrent loans | 17.9501% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 2.9169% | 460 |
| Noncurrent loans to loans | 8.8029% | 61 |
| Net loans and leases to total assets | 31.1303% | 5,859 |
| Net loans and leases to deposits | 37.5042% | 5,846 |
| Net loans and leases to core deposits | 40.8415% | 5,797 |
| Total domestic deposits to total assets | 83.0049% | 3,830 |
| Equity capital to assets | 16.6025% | 451 |
| Core capital (leverage) ratio | 16.5528% | 413 |
| Tier 1 risk-based capital ratio | 33.7989% | 370 |
| Total risk-based capital ratio | 34.8424% | 375 |
| Memoranda: | ||
| Average total assets | $199,057,200 | 2,962 |
| Average earning assets | $183,019,400 | 2,964 |
| Average equity | $33,493,200 | 2,121 |
| Average total loans | $64,180,600 | 4,253 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6272% | 4,651 |
| Cost of funding earning assets | 0.2104% | 5,288 |
| Net interest margin | 3.4168% | 3,885 |
| Noninterest income to average assets | 0.4575% | 3,660 |
| Noninterest expense to average assets | 2.4986% | 4,196 |
| Loan and lease loss provision to assets | 0.0605% | 2,972 |
| Net operating income to assets | 0.8558% | 3,148 |
| Return on assets (ROA) | 0.8586% | 3,220 |
| Pretax return on assets | 1.0333% | 3,488 |
| Return on Equity (ROE) | 5.0859% | 4,587 |
| Retained earnings to average equity (ytd only) | 1.5839% | 5,072 |
| Net charge-offs to loans | 0.0353% | 3,207 |
| Credit loss provision to net charge-offs | 529.4118% | 621 |
| Earnings coverage of net charge-offs (x) | 95.4543% | 653 |
| Efficiency ratio | 69.6181% | 3,264 |
| Assets per employee ($millions) | 4.0581% | 3,786 |
| Cash dividends to net income (ytd only)* | 68.8573% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6100% | 1,751 |
| Loan loss allowance to noncurrent loans | 17.1039% | 5,605 |
| Noncurrent assets plus other real estate owned to assets | 3.0999% | 474 |
| Noncurrent loans to loans | 9.4128% | 45 |
| Net loans and leases to total assets | 30.8569% | 5,946 |
| Net loans and leases to deposits | 37.3396% | 5,944 |
| Net loans and leases to core deposits | 40.7394% | 5,898 |
| Total domestic deposits to total assets | 82.6384% | 3,943 |
| Equity capital to assets | 17.0422% | 428 |
| Core capital (leverage) ratio | 16.7333% | 404 |
| Tier 1 risk-based capital ratio | 34.7264% | 350 |
| Total risk-based capital ratio | 35.7883% | 359 |
| Memoranda: | ||
| Average total assets | $198,451,000 | 2,988 |
| Average earning assets | $181,882,250 | 3,001 |
| Average equity | $33,503,750 | 2,129 |
| Average total loans | $64,293,500 | 4,295 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6562% | 4,555 |
| Cost of funding earning assets | 0.2116% | 5,332 |
| Net interest margin | 3.4447% | 3,738 |
| Noninterest income to average assets | 0.4609% | 3,624 |
| Noninterest expense to average assets | 2.6362% | 3,786 |
| Loan and lease loss provision to assets | 0.1109% | 1,980 |
| Net operating income to assets | 0.7639% | 3,572 |
| Return on assets (ROA) | 0.7675% | 3,651 |
| Pretax return on assets | 0.8865% | 4,002 |
| Return on Equity (ROE) | 4.5602% | 4,799 |
| Retained earnings to average equity (ytd only) | -0.7131% | 5,649 |
| Net charge-offs to loans | 0.0493% | 2,722 |
| Credit loss provision to net charge-offs | 687.5000% | 491 |
| Earnings coverage of net charge-offs (x) | 61.5625% | 830 |
| Efficiency ratio | 72.6313% | 2,908 |
| Assets per employee ($millions) | 4.0394% | 3,803 |
| Cash dividends to net income (ytd only)* | 115.6373% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5675% | 2,024 |
| Loan loss allowance to noncurrent loans | 17.4587% | 5,704 |
| Noncurrent assets plus other real estate owned to assets | 3.0576% | 538 |
| Noncurrent loans to loans | 8.9782% | 66 |
| Net loans and leases to total assets | 32.5198% | 5,946 |
| Net loans and leases to deposits | 39.1410% | 5,933 |
| Net loans and leases to core deposits | 43.4223% | 5,852 |
| Total domestic deposits to total assets | 83.0836% | 3,915 |
| Equity capital to assets | 16.5951% | 458 |
| Core capital (leverage) ratio | 16.3756% | 422 |
| Tier 1 risk-based capital ratio | 33.5754% | 405 |
| Total risk-based capital ratio | 34.6404% | 408 |
| Memoranda: | ||
| Average total assets | $198,319,000 | 3,011 |
| Average earning assets | $182,427,670 | 3,023 |
| Average equity | $33,375,670 | 2,148 |
| Average total loans | $64,937,330 | 4,315 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6384% | 4,570 |
| Cost of funding earning assets | 0.2126% | 5,391 |
| Net interest margin | 3.4258% | 3,732 |
| Noninterest income to average assets | 0.4373% | 3,711 |
| Noninterest expense to average assets | 2.6396% | 3,787 |
| Loan and lease loss provision to assets | 0.0604% | 2,720 |
| Net operating income to assets | 0.7642% | 3,458 |
| Return on assets (ROA) | 0.7677% | 3,577 |
| Pretax return on assets | 0.8906% | 3,923 |
| Return on Equity (ROE) | 4.5303% | 4,747 |
| Retained earnings to average equity (ytd only) | 4.5303% | 3,308 |
| Net charge-offs to loans | -0.0062% | 4,557 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5955% | 2,881 |
| Assets per employee ($millions) | 4.0172% | 3,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 2,467 |
| Loan loss allowance to noncurrent loans | 16.1247% | 5,759 |
| Noncurrent assets plus other real estate owned to assets | 3.0678% | 605 |
| Noncurrent loans to loans | 9.2633% | 73 |
| Net loans and leases to total assets | 31.5855% | 6,014 |
| Net loans and leases to deposits | 38.1277% | 5,984 |
| Net loans and leases to core deposits | 42.6058% | 5,879 |
| Total domestic deposits to total assets | 82.8414% | 4,220 |
| Equity capital to assets | 16.9077% | 437 |
| Core capital (leverage) ratio | 16.6519% | 397 |
| Tier 1 risk-based capital ratio | 34.5968% | 379 |
| Total risk-based capital ratio | 35.6110% | 375 |
| Memoranda: | ||
| Average total assets | $198,512,500 | 3,033 |
| Average earning assets | $182,497,000 | 3,038 |
| Average equity | $33,640,000 | 2,141 |
| Average total loans | $64,710,000 | 4,344 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7702% | 4,579 |
| Cost of funding earning assets | 0.2464% | 5,363 |
| Net interest margin | 3.5239% | 3,701 |
| Noninterest income to average assets | 0.5091% | 3,439 |
| Noninterest expense to average assets | 2.6370% | 4,100 |
| Loan and lease loss provision to assets | 0.1478% | 1,783 |
| Net operating income to assets | 0.8543% | 3,095 |
| Return on assets (ROA) | 0.8576% | 3,174 |
| Pretax return on assets | 0.9613% | 3,642 |
| Return on Equity (ROE) | 5.0584% | 4,629 |
| Retained earnings to average equity (ytd only) | 1.3885% | 5,148 |
| Net charge-offs to loans | 0.9588% | 327 |
| Credit loss provision to net charge-offs | 44.6708% | 3,595 |
| Earnings coverage of net charge-offs (x) | 3.3417% | 3,912 |
| Efficiency ratio | 70.4627% | 3,462 |
| Assets per employee ($millions) | 3.8464% | 4,257 |
| Cash dividends to net income (ytd only)* | 72.5514% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4320% | 2,790 |
| Loan loss allowance to noncurrent loans | 17.8011% | 5,861 |
| Noncurrent assets plus other real estate owned to assets | 2.9735% | 685 |
| Noncurrent loans to loans | 8.0443% | 113 |
| Net loans and leases to total assets | 32.6686% | 6,093 |
| Net loans and leases to deposits | 39.5658% | 6,049 |
| Net loans and leases to core deposits | 43.0146% | 5,992 |
| Total domestic deposits to total assets | 82.5676% | 4,227 |
| Equity capital to assets | 16.9853% | 417 |
| Core capital (leverage) ratio | 16.8220% | 387 |
| Tier 1 risk-based capital ratio | 36.1136% | 306 |
| Total risk-based capital ratio | 37.1404% | 311 |
| Memoranda: | ||
| Average total assets | $192,873,200 | 3,069 |
| Average earning assets | $176,965,200 | 3,078 |
| Average equity | $32,697,800 | 2,127 |
| Average total loans | $66,543,200 | 4,280 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7873% | 4,585 |
| Cost of funding earning assets | 0.2438% | 5,467 |
| Net interest margin | 3.5436% | 3,653 |
| Noninterest income to average assets | 0.5144% | 3,448 |
| Noninterest expense to average assets | 2.6194% | 4,131 |
| Loan and lease loss provision to assets | 0.1979% | 1,210 |
| Net operating income to assets | 0.8084% | 3,394 |
| Return on assets (ROA) | 0.8102% | 3,481 |
| Pretax return on assets | 0.9490% | 3,798 |
| Return on Equity (ROE) | 4.7813% | 4,824 |
| Retained earnings to average equity (ytd only) | 2.6508% | 4,706 |
| Net charge-offs to loans | 1.2710% | 207 |
| Credit loss provision to net charge-offs | 44.6708% | 3,207 |
| Earnings coverage of net charge-offs (x) | 2.5846% | 3,874 |
| Efficiency ratio | 69.5869% | 3,581 |
| Assets per employee ($millions) | 3.7995% | 4,291 |
| Cash dividends to net income (ytd only)* | 44.5590% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4186% | 3,083 |
| Loan loss allowance to noncurrent loans | 16.9058% | 5,968 |
| Noncurrent assets plus other real estate owned to assets | 3.1594% | 721 |
| Noncurrent loans to loans | 8.3912% | 112 |
| Net loans and leases to total assets | 33.3882% | 6,137 |
| Net loans and leases to deposits | 40.5194% | 6,101 |
| Net loans and leases to core deposits | 44.1052% | 6,036 |
| Total domestic deposits to total assets | 82.4005% | 4,339 |
| Equity capital to assets | 17.0840% | 418 |
| Core capital (leverage) ratio | 17.0622% | 367 |
| Tier 1 risk-based capital ratio | 36.1338% | 322 |
| Total risk-based capital ratio | 37.1552% | 321 |
| Memoranda: | ||
| Average total assets | $192,050,500 | 3,101 |
| Average earning assets | $176,127,000 | 3,113 |
| Average equity | $32,542,500 | 2,142 |
| Average total loans | $66,925,250 | 4,311 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8355% | 4,392 |
| Cost of funding earning assets | 0.2521% | 5,464 |
| Net interest margin | 3.5835% | 3,433 |
| Noninterest income to average assets | 0.5118% | 3,394 |
| Noninterest expense to average assets | 2.6270% | 4,151 |
| Loan and lease loss provision to assets | 0.0522% | 3,258 |
| Net operating income to assets | 0.9083% | 2,766 |
| Return on assets (ROA) | 0.9108% | 2,852 |
| Pretax return on assets | 1.1176% | 3,018 |
| Return on Equity (ROE) | 5.3901% | 4,487 |
| Retained earnings to average equity (ytd only) | 2.1758% | 4,802 |
| Net charge-offs to loans | 1.9033% | 124 |
| Credit loss provision to net charge-offs | 7.8003% | 3,325 |
| Earnings coverage of net charge-offs (x) | 1.7426% | 3,721 |
| Efficiency ratio | 69.2456% | 3,788 |
| Assets per employee ($millions) | 3.8484% | 4,164 |
| Cash dividends to net income (ytd only)* | 59.6330% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0285% | 5,217 |
| Loan loss allowance to noncurrent loans | 15.8255% | 6,046 |
| Noncurrent assets plus other real estate owned to assets | 2.5969% | 1,054 |
| Noncurrent loans to loans | 6.4989% | 213 |
| Net loans and leases to total assets | 34.6577% | 6,124 |
| Net loans and leases to deposits | 42.0588% | 6,065 |
| Net loans and leases to core deposits | 45.3481% | 6,020 |
| Total domestic deposits to total assets | 82.4030% | 4,505 |
| Equity capital to assets | 17.0040% | 413 |
| Core capital (leverage) ratio | 16.8889% | 371 |
| Tier 1 risk-based capital ratio | 35.1815% | 342 |
| Total risk-based capital ratio | 35.9284% | 353 |
| Memoranda: | ||
| Average total assets | $191,476,670 | 3,131 |
| Average earning assets | $175,361,330 | 3,140 |
| Average equity | $32,355,330 | 2,144 |
| Average total loans | $67,357,670 | 4,317 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8107% | 4,444 |
| Cost of funding earning assets | 0.2675% | 5,413 |
| Net interest margin | 3.5433% | 3,509 |
| Noninterest income to average assets | 0.4691% | 3,636 |
| Noninterest expense to average assets | 2.5549% | 4,429 |
| Loan and lease loss provision to assets | 0.0419% | 3,253 |
| Net operating income to assets | 0.9184% | 2,559 |
| Return on assets (ROA) | 0.9235% | 2,607 |
| Pretax return on assets | 1.1246% | 2,794 |
| Return on Equity (ROE) | 5.4828% | 4,284 |
| Retained earnings to average equity (ytd only) | 5.4828% | 2,795 |
| Net charge-offs to loans | 3.6468% | 45 |
| Credit loss provision to net charge-offs | 3.2573% | 2,657 |
| Earnings coverage of net charge-offs (x) | 0.9023% | 3,237 |
| Efficiency ratio | 68.7711% | 4,050 |
| Assets per employee ($millions) | 3.9059% | 4,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0497% | 5,317 |
| Loan loss allowance to noncurrent loans | 14.8707% | 6,142 |
| Noncurrent assets plus other real estate owned to assets | 2.6944% | 1,134 |
| Noncurrent loans to loans | 7.0588% | 217 |
| Net loans and leases to total assets | 33.3055% | 6,213 |
| Net loans and leases to deposits | 40.1764% | 6,164 |
| Net loans and leases to core deposits | 43.2485% | 6,108 |
| Total domestic deposits to total assets | 82.8982% | 4,640 |
| Equity capital to assets | 16.6256% | 440 |
| Core capital (leverage) ratio | 17.1790% | 351 |
| Tier 1 risk-based capital ratio | 35.9723% | 318 |
| Total risk-based capital ratio | 36.7306% | 330 |
| Memoranda: | ||
| Average total assets | $191,005,500 | 3,152 |
| Average earning assets | $174,980,500 | 3,160 |
| Average equity | $32,173,500 | 2,144 |
| Average total loans | $67,346,000 | 4,344 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1344% | 3,601 |
| Cost of funding earning assets | 0.3566% | 5,075 |
| Net interest margin | 3.7777% | 2,736 |
| Noninterest income to average assets | 0.5034% | 3,731 |
| Noninterest expense to average assets | 2.6442% | 4,300 |
| Loan and lease loss provision to assets | 0.0799% | 3,510 |
| Net operating income to assets | 1.0678% | 2,048 |
| Return on assets (ROA) | 1.0840% | 2,059 |
| Pretax return on assets | 1.2512% | 2,358 |
| Return on Equity (ROE) | 6.3554% | 3,895 |
| Retained earnings to average equity (ytd only) | 3.4198% | 3,799 |
| Net charge-offs to loans | 0.1233% | 3,574 |
| Credit loss provision to net charge-offs | 176.4706% | 1,296 |
| Earnings coverage of net charge-offs (x) | 28.9882% | 1,219 |
| Efficiency ratio | 66.8282% | 4,400 |
| Assets per employee ($millions) | 3.7343% | 4,400 |
| Cash dividends to net income (ytd only)* | 46.1916% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8620% | 1,882 |
| Loan loss allowance to noncurrent loans | 58.6034% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 1.5076% | 2,465 |
| Noncurrent loans to loans | 3.1773% | 1,070 |
| Net loans and leases to total assets | 36.2443% | 6,192 |
| Net loans and leases to deposits | 44.0113% | 6,120 |
| Net loans and leases to core deposits | 47.9828% | 6,035 |
| Total domestic deposits to total assets | 82.3523% | 4,749 |
| Equity capital to assets | 17.0730% | 393 |
| Core capital (leverage) ratio | 17.2413% | 347 |
| Tier 1 risk-based capital ratio | 34.6605% | 342 |
| Total risk-based capital ratio | 35.9121% | 337 |
| Memoranda: | ||
| Average total assets | $187,733,400 | 3,187 |
| Average earning assets | $171,610,400 | 3,199 |
| Average equity | $32,019,800 | 2,131 |
| Average total loans | $68,912,400 | 4,312 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1376% | 3,610 |
| Cost of funding earning assets | 0.3664% | 5,129 |
| Net interest margin | 3.7712% | 2,743 |
| Noninterest income to average assets | 0.4837% | 3,907 |
| Noninterest expense to average assets | 2.5909% | 4,421 |
| Loan and lease loss provision to assets | 0.0284% | 4,443 |
| Net operating income to assets | 1.0494% | 2,184 |
| Return on assets (ROA) | 1.0681% | 2,212 |
| Pretax return on assets | 1.3334% | 2,197 |
| Return on Equity (ROE) | 6.2640% | 4,038 |
| Retained earnings to average equity (ytd only) | 3.7684% | 4,004 |
| Net charge-offs to loans | 0.0116% | 4,909 |
| Credit loss provision to net charge-offs | 666.6667% | 433 |
| Earnings coverage of net charge-offs (x) | 314.4925% | 188 |
| Efficiency ratio | 65.9386% | 4,496 |
| Assets per employee ($millions) | 3.7933% | 4,261 |
| Cash dividends to net income (ytd only)* | 39.8406% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8132% | 2,264 |
| Loan loss allowance to noncurrent loans | 53.5013% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 1.4467% | 2,779 |
| Noncurrent loans to loans | 3.3890% | 1,144 |
| Net loans and leases to total assets | 36.5047% | 6,258 |
| Net loans and leases to deposits | 44.4523% | 6,187 |
| Net loans and leases to core deposits | 48.5153% | 6,096 |
| Total domestic deposits to total assets | 82.1210% | 4,880 |
| Equity capital to assets | 17.1392% | 400 |
| Core capital (leverage) ratio | 17.2176% | 369 |
| Tier 1 risk-based capital ratio | 34.6248% | 350 |
| Total risk-based capital ratio | 35.8761% | 342 |
| Memoranda: | ||
| Average total assets | $187,987,750 | 3,213 |
| Average earning assets | $171,753,750 | 3,221 |
| Average equity | $32,055,250 | 2,147 |
| Average total loans | $68,901,000 | 4,342 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1201% | 3,660 |
| Cost of funding earning assets | 0.3760% | 5,176 |
| Net interest margin | 3.7441% | 2,787 |
| Noninterest income to average assets | 0.4579% | 4,111 |
| Noninterest expense to average assets | 2.6233% | 4,306 |
| Loan and lease loss provision to assets | 0.0424% | 4,111 |
| Net operating income to assets | 0.9925% | 2,360 |
| Return on assets (ROA) | 0.9942% | 2,492 |
| Pretax return on assets | 1.2136% | 2,608 |
| Return on Equity (ROE) | 5.8404% | 4,260 |
| Retained earnings to average equity (ytd only) | 2.1045% | 4,930 |
| Net charge-offs to loans | -0.0029% | 5,562 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6599% | 4,238 |
| Assets per employee ($millions) | 3.8489% | 4,114 |
| Cash dividends to net income (ytd only)* | 63.9659% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8249% | 2,350 |
| Loan loss allowance to noncurrent loans | 56.4263% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 1.3680% | 3,049 |
| Noncurrent loans to loans | 3.2342% | 1,359 |
| Net loans and leases to total assets | 35.9412% | 6,304 |
| Net loans and leases to deposits | 43.3609% | 6,264 |
| Net loans and leases to core deposits | 48.5760% | 6,102 |
| Total domestic deposits to total assets | 82.8886% | 4,744 |
| Equity capital to assets | 16.6230% | 456 |
| Core capital (leverage) ratio | 16.7805% | 397 |
| Tier 1 risk-based capital ratio | 33.7960% | 375 |
| Total risk-based capital ratio | 35.0468% | 369 |
| Memoranda: | ||
| Average total assets | $188,693,000 | 3,215 |
| Average earning assets | $172,324,330 | 3,224 |
| Average equity | $32,121,330 | 2,149 |
| Average total loans | $68,833,000 | 4,353 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1308% | 3,595 |
| Cost of funding earning assets | 0.3806% | 5,280 |
| Net interest margin | 3.7502% | 2,664 |
| Noninterest income to average assets | 0.4896% | 3,848 |
| Noninterest expense to average assets | 2.5092% | 4,720 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1147% | 1,804 |
| Return on assets (ROA) | 1.1147% | 1,912 |
| Pretax return on assets | 1.4051% | 1,833 |
| Return on Equity (ROE) | 6.4725% | 3,777 |
| Retained earnings to average equity (ytd only) | 6.4725% | 2,419 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1040% | 4,999 |
| Assets per employee ($millions) | 3.8153% | 4,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7646% | 2,757 |
| Loan loss allowance to noncurrent loans | 62.5128% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 1.2251% | 3,522 |
| Noncurrent loans to loans | 2.8228% | 1,796 |
| Net loans and leases to total assets | 35.5735% | 6,325 |
| Net loans and leases to deposits | 43.2544% | 6,257 |
| Net loans and leases to core deposits | 48.8114% | 6,049 |
| Total domestic deposits to total assets | 82.2424% | 5,116 |
| Equity capital to assets | 17.1291% | 415 |
| Core capital (leverage) ratio | 17.0241% | 350 |
| Tier 1 risk-based capital ratio | 34.1740% | 372 |
| Total risk-based capital ratio | 35.4249% | 366 |
| Memoranda: | ||
| Average total assets | $188,742,500 | 3,240 |
| Average earning assets | $172,364,500 | 3,251 |
| Average equity | $32,507,000 | 2,153 |
| Average total loans | $68,728,000 | 4,387 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4392% | 3,663 |
| Cost of funding earning assets | 0.5107% | 5,144 |
| Net interest margin | 3.9285% | 2,704 |
| Noninterest income to average assets | 0.5761% | 3,408 |
| Noninterest expense to average assets | 2.6507% | 4,566 |
| Loan and lease loss provision to assets | 0.0538% | 5,134 |
| Net operating income to assets | 1.2113% | 1,564 |
| Return on assets (ROA) | 1.2113% | 1,729 |
| Pretax return on assets | 1.4216% | 1,961 |
| Return on Equity (ROE) | 7.0305% | 3,628 |
| Retained earnings to average equity (ytd only) | 3.1594% | 4,007 |
| Net charge-offs to loans | 0.1113% | 4,561 |
| Credit loss provision to net charge-offs | 131.5789% | 2,125 |
| Earnings coverage of net charge-offs (x) | 36.0921% | 872 |
| Efficiency ratio | 64.2420% | 4,841 |
| Assets per employee ($millions) | 3.7344% | 4,498 |
| Cash dividends to net income (ytd only)* | 55.0622% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7828% | 2,643 |
| Loan loss allowance to noncurrent loans | 53.3713% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 1.4214% | 3,269 |
| Noncurrent loans to loans | 3.3404% | 1,528 |
| Net loans and leases to total assets | 35.9663% | 6,438 |
| Net loans and leases to deposits | 43.9460% | 6,373 |
| Net loans and leases to core deposits | 47.9840% | 6,273 |
| Total domestic deposits to total assets | 81.8420% | 5,150 |
| Equity capital to assets | 17.3188% | 383 |
| Core capital (leverage) ratio | 16.9203% | 359 |
| Tier 1 risk-based capital ratio | 34.1721% | 363 |
| Total risk-based capital ratio | 35.4232% | 360 |
| Memoranda: | ||
| Average total assets | $185,915,000 | 3,224 |
| Average earning assets | $168,004,200 | 3,254 |
| Average equity | $32,031,800 | 2,139 |
| Average total loans | $68,290,600 | 4,409 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4787% | 3,723 |
| Cost of funding earning assets | 0.5300% | 5,243 |
| Net interest margin | 3.9487% | 2,707 |
| Noninterest income to average assets | 0.5787% | 3,416 |
| Noninterest expense to average assets | 2.5989% | 4,746 |
| Loan and lease loss provision to assets | 0.0718% | 4,773 |
| Net operating income to assets | 1.1832% | 1,796 |
| Return on assets (ROA) | 1.1832% | 1,978 |
| Pretax return on assets | 1.4703% | 2,002 |
| Return on Equity (ROE) | 6.8761% | 3,874 |
| Retained earnings to average equity (ytd only) | 4.2058% | 3,933 |
| Net charge-offs to loans | 0.1289% | 4,092 |
| Credit loss provision to net charge-offs | 151.5152% | 1,860 |
| Earnings coverage of net charge-offs (x) | 32.5447% | 1,026 |
| Efficiency ratio | 62.7601% | 5,020 |
| Assets per employee ($millions) | 3.5739% | 4,800 |
| Cash dividends to net income (ytd only)* | 38.8348% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8400% | 2,671 |
| Loan loss allowance to noncurrent loans | 59.9512% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 1.3151% | 3,664 |
| Noncurrent loans to loans | 3.0691% | 1,812 |
| Net loans and leases to total assets | 35.2801% | 6,598 |
| Net loans and leases to deposits | 43.2990% | 6,538 |
| Net loans and leases to core deposits | 48.0045% | 6,408 |
| Total domestic deposits to total assets | 81.4802% | 5,195 |
| Equity capital to assets | 17.5351% | 396 |
| Core capital (leverage) ratio | 16.9183% | 378 |
| Tier 1 risk-based capital ratio | 34.8878% | 361 |
| Total risk-based capital ratio | 36.1395% | 355 |
| Memoranda: | ||
| Average total assets | $185,713,250 | 3,262 |
| Average earning assets | $167,543,750 | 3,292 |
| Average equity | $31,955,250 | 2,161 |
| Average total loans | $68,269,250 | 4,459 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5228% | 3,670 |
| Cost of funding earning assets | 0.5559% | 5,260 |
| Net interest margin | 3.9668% | 2,648 |
| Noninterest income to average assets | 0.5828% | 3,365 |
| Noninterest expense to average assets | 2.6456% | 4,626 |
| Loan and lease loss provision to assets | 0.1077% | 4,177 |
| Net operating income to assets | 1.1407% | 1,911 |
| Return on assets (ROA) | 1.1407% | 2,130 |
| Pretax return on assets | 1.4036% | 2,184 |
| Return on Equity (ROE) | 6.6721% | 3,949 |
| Retained earnings to average equity (ytd only) | 2.6398% | 4,860 |
| Net charge-offs to loans | 0.1076% | 4,106 |
| Credit loss provision to net charge-offs | 270.2703% | 1,070 |
| Earnings coverage of net charge-offs (x) | 37.9189% | 913 |
| Efficiency ratio | 63.6434% | 4,956 |
| Assets per employee ($millions) | 3.6128% | 4,725 |
| Cash dividends to net income (ytd only)* | 60.4344% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8318% | 2,752 |
| Loan loss allowance to noncurrent loans | 57.4954% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 1.4393% | 3,552 |
| Noncurrent loans to loans | 3.1860% | 1,828 |
| Net loans and leases to total assets | 35.8863% | 6,613 |
| Net loans and leases to deposits | 43.6316% | 6,573 |
| Net loans and leases to core deposits | 49.3319% | 6,381 |
| Total domestic deposits to total assets | 82.2482% | 5,037 |
| Equity capital to assets | 16.9624% | 450 |
| Core capital (leverage) ratio | 16.5610% | 404 |
| Tier 1 risk-based capital ratio | 33.4682% | 389 |
| Total risk-based capital ratio | 34.7194% | 386 |
| Memoranda: | ||
| Average total assets | $185,669,670 | 3,268 |
| Average earning assets | $167,286,670 | 3,308 |
| Average equity | $31,744,330 | 2,160 |
| Average total loans | $68,760,670 | 4,459 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5827% | 3,582 |
| Cost of funding earning assets | 0.5632% | 5,408 |
| Net interest margin | 4.0195% | 2,422 |
| Noninterest income to average assets | 0.6263% | 3,076 |
| Noninterest expense to average assets | 2.5074% | 5,124 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3350% | 1,366 |
| Return on assets (ROA) | 1.3350% | 1,528 |
| Pretax return on assets | 1.7229% | 1,248 |
| Return on Equity (ROE) | 7.7769% | 3,375 |
| Retained earnings to average equity (ytd only) | 7.7769% | 2,062 |
| Net charge-offs to loans | 0.1221% | 3,376 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 37.8571% | 775 |
| Efficiency ratio | 59.2725% | 5,727 |
| Assets per employee ($millions) | 3.6102% | 4,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7087% | 3,316 |
| Loan loss allowance to noncurrent loans | 55.5083% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 1.6534% | 3,372 |
| Noncurrent loans to loans | 3.0783% | 2,080 |
| Net loans and leases to total assets | 35.9731% | 6,619 |
| Net loans and leases to deposits | 43.7509% | 6,572 |
| Net loans and leases to core deposits | 50.2306% | 6,323 |
| Total domestic deposits to total assets | 82.2225% | 5,221 |
| Equity capital to assets | 17.0488% | 420 |
| Core capital (leverage) ratio | 16.9392% | 359 |
| Tier 1 risk-based capital ratio | 33.8678% | 368 |
| Total risk-based capital ratio | 35.1181% | 363 |
| Memoranda: | ||
| Average total assets | $184,573,000 | 3,309 |
| Average earning assets | $165,493,500 | 3,356 |
| Average equity | $31,683,500 | 2,170 |
| Average total loans | $68,803,500 | 4,487 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9682% | 3,032 |
| Cost of funding earning assets | 0.6953% | 5,568 |
| Net interest margin | 4.2729% | 1,795 |
| Noninterest income to average assets | 0.5845% | 3,252 |
| Noninterest expense to average assets | 2.7813% | 4,419 |
| Loan and lease loss provision to assets | 0.1074% | 5,252 |
| Net operating income to assets | 1.2270% | 1,439 |
| Return on assets (ROA) | 1.2573% | 1,457 |
| Pretax return on assets | 1.5687% | 1,283 |
| Return on Equity (ROE) | 7.2304% | 3,293 |
| Retained earnings to average equity (ytd only) | 4.4345% | 3,014 |
| Net charge-offs to loans | 0.1601% | 4,864 |
| Credit loss provision to net charge-offs | 165.2174% | 1,642 |
| Earnings coverage of net charge-offs (x) | 25.2000% | 980 |
| Efficiency ratio | 62.9317% | 5,311 |
| Assets per employee ($millions) | 3.4887% | 5,035 |
| Cash dividends to net income (ytd only)* | 38.6691% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7344% | 3,075 |
| Loan loss allowance to noncurrent loans | 61.1253% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 1.7380% | 3,344 |
| Noncurrent loans to loans | 2.8374% | 2,307 |
| Net loans and leases to total assets | 37.3207% | 6,678 |
| Net loans and leases to deposits | 45.5331% | 6,645 |
| Net loans and leases to core deposits | 50.5133% | 6,502 |
| Total domestic deposits to total assets | 81.9639% | 5,141 |
| Equity capital to assets | 17.2870% | 415 |
| Core capital (leverage) ratio | 17.0430% | 359 |
| Tier 1 risk-based capital ratio | 33.2298% | 385 |
| Total risk-based capital ratio | 34.4839% | 380 |
| Memoranda: | ||
| Average total assets | $176,892,800 | 3,380 |
| Average earning assets | $158,769,600 | 3,427 |
| Average equity | $30,759,000 | 2,141 |
| Average total loans | $71,832,000 | 4,418 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0514% | 2,836 |
| Cost of funding earning assets | 0.7166% | 5,669 |
| Net interest margin | 4.3349% | 1,602 |
| Noninterest income to average assets | 0.5864% | 3,254 |
| Noninterest expense to average assets | 2.7309% | 4,608 |
| Loan and lease loss provision to assets | 0.1062% | 5,111 |
| Net operating income to assets | 1.2573% | 1,498 |
| Return on assets (ROA) | 1.2964% | 1,481 |
| Pretax return on assets | 1.6916% | 1,161 |
| Return on Equity (ROE) | 7.4444% | 3,302 |
| Retained earnings to average equity (ytd only) | 5.9633% | 2,576 |
| Net charge-offs to loans | 0.2407% | 3,918 |
| Credit loss provision to net charge-offs | 106.8702% | 3,094 |
| Earnings coverage of net charge-offs (x) | 17.5804% | 1,345 |
| Efficiency ratio | 60.9859% | 5,563 |
| Assets per employee ($millions) | 3.4202% | 5,196 |
| Cash dividends to net income (ytd only)* | 19.8946% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5648% | 3,824 |
| Loan loss allowance to noncurrent loans | 71.0510% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.5547% | 3,760 |
| Noncurrent loans to loans | 2.2024% | 3,106 |
| Net loans and leases to total assets | 39.9325% | 6,636 |
| Net loans and leases to deposits | 49.1607% | 6,551 |
| Net loans and leases to core deposits | 54.9202% | 6,397 |
| Total domestic deposits to total assets | 81.2286% | 5,363 |
| Equity capital to assets | 17.7993% | 416 |
| Core capital (leverage) ratio | 17.2412% | 377 |
| Tier 1 risk-based capital ratio | 32.6692% | 430 |
| Total risk-based capital ratio | 33.8910% | 424 |
| Memoranda: | ||
| Average total assets | $175,762,500 | 3,418 |
| Average earning assets | $157,786,750 | 3,469 |
| Average equity | $30,608,500 | 2,162 |
| Average total loans | $72,565,000 | 4,435 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0886% | 2,734 |
| Cost of funding earning assets | 0.7430% | 5,712 |
| Net interest margin | 4.3457% | 1,523 |
| Noninterest income to average assets | 0.5621% | 3,386 |
| Noninterest expense to average assets | 2.7887% | 4,476 |
| Loan and lease loss provision to assets | 0.1314% | 4,653 |
| Net operating income to assets | 1.1886% | 1,610 |
| Return on assets (ROA) | 1.2475% | 1,523 |
| Pretax return on assets | 1.6142% | 1,239 |
| Return on Equity (ROE) | 7.2176% | 3,339 |
| Retained earnings to average equity (ytd only) | 4.9704% | 3,025 |
| Net charge-offs to loans | 0.3026% | 3,356 |
| Credit loss provision to net charge-offs | 104.5455% | 2,954 |
| Earnings coverage of net charge-offs (x) | 13.2818% | 1,561 |
| Efficiency ratio | 62.5577% | 5,488 |
| Assets per employee ($millions) | 3.4652% | 5,037 |
| Cash dividends to net income (ytd only)* | 31.1355% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5511% | 3,902 |
| Loan loss allowance to noncurrent loans | 55.5556% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 1.7411% | 3,591 |
| Noncurrent loans to loans | 2.7919% | 2,605 |
| Net loans and leases to total assets | 40.4049% | 6,716 |
| Net loans and leases to deposits | 49.4409% | 6,638 |
| Net loans and leases to core deposits | 55.5589% | 6,447 |
| Total domestic deposits to total assets | 81.7237% | 5,264 |
| Equity capital to assets | 17.4700% | 428 |
| Core capital (leverage) ratio | 16.8969% | 414 |
| Tier 1 risk-based capital ratio | 32.1399% | 448 |
| Total risk-based capital ratio | 33.3627% | 442 |
| Memoranda: | ||
| Average total assets | $175,066,670 | 3,446 |
| Average earning assets | $156,937,670 | 3,507 |
| Average equity | $30,259,330 | 2,171 |
| Average total loans | $72,703,670 | 4,479 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1146% | 2,582 |
| Cost of funding earning assets | 0.7707% | 5,746 |
| Net interest margin | 4.3439% | 1,435 |
| Noninterest income to average assets | 0.5716% | 3,359 |
| Noninterest expense to average assets | 2.5666% | 5,340 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4044% | 1,055 |
| Return on assets (ROA) | 1.4486% | 1,027 |
| Pretax return on assets | 1.9468% | 610 |
| Return on Equity (ROE) | 8.4268% | 2,733 |
| Retained earnings to average equity (ytd only) | 8.4268% | 1,580 |
| Net charge-offs to loans | 0.0879% | 4,072 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 51.3750% | 565 |
| Efficiency ratio | 57.6289% | 6,309 |
| Assets per employee ($millions) | 3.4526% | 5,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5168% | 4,126 |
| Loan loss allowance to noncurrent loans | 45.2830% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 1.8218% | 3,539 |
| Noncurrent loans to loans | 3.3496% | 2,238 |
| Net loans and leases to total assets | 40.7082% | 6,730 |
| Net loans and leases to deposits | 49.5390% | 6,655 |
| Net loans and leases to core deposits | 56.0915% | 6,405 |
| Total domestic deposits to total assets | 82.1740% | 5,239 |
| Equity capital to assets | 17.1917% | 426 |
| Core capital (leverage) ratio | 17.0596% | 392 |
| Tier 1 risk-based capital ratio | 31.2042% | 466 |
| Total risk-based capital ratio | 32.3740% | 459 |
| Memoranda: | ||
| Average total assets | $174,237,000 | 3,480 |
| Average earning assets | $155,711,500 | 3,547 |
| Average equity | $29,952,000 | 2,179 |
| Average total loans | $72,790,000 | 4,521 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2781% | 3,226 |
| Cost of funding earning assets | 0.9393% | 5,984 |
| Net interest margin | 4.3387% | 1,685 |
| Noninterest income to average assets | 0.7081% | 2,796 |
| Noninterest expense to average assets | 2.8941% | 4,250 |
| Loan and lease loss provision to assets | 0.1634% | 5,582 |
| Net operating income to assets | 1.1840% | 1,448 |
| Return on assets (ROA) | 1.2279% | 1,424 |
| Pretax return on assets | 1.5956% | 1,140 |
| Return on Equity (ROE) | 7.0152% | 3,116 |
| Retained earnings to average equity (ytd only) | 3.8928% | 3,144 |
| Net charge-offs to loans | 0.3778% | 4,152 |
| Credit loss provision to net charge-offs | 98.2143% | 4,711 |
| Earnings coverage of net charge-offs (x) | 10.2321% | 1,738 |
| Efficiency ratio | 62.9701% | 5,517 |
| Assets per employee ($millions) | 3.3152% | 5,403 |
| Cash dividends to net income (ytd only)* | 44.5090% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5386% | 3,826 |
| Loan loss allowance to noncurrent loans | 56.2531% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 1.7014% | 3,752 |
| Noncurrent loans to loans | 2.7351% | 2,785 |
| Net loans and leases to total assets | 41.5775% | 6,870 |
| Net loans and leases to deposits | 50.6187% | 6,823 |
| Net loans and leases to core deposits | 54.3829% | 6,792 |
| Total domestic deposits to total assets | 82.1387% | 5,145 |
| Equity capital to assets | 17.1890% | 437 |
| Core capital (leverage) ratio | 17.1605% | 387 |
| Tier 1 risk-based capital ratio | 30.9452% | 468 |
| Total risk-based capital ratio | 32.1478% | 461 |
| Memoranda: | ||
| Average total assets | $168,341,400 | 3,570 |
| Average earning assets | $150,850,800 | 3,622 |
| Average equity | $29,464,400 | 2,215 |
| Average total loans | $74,109,600 | 4,525 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3183% | 3,263 |
| Cost of funding earning assets | 0.9650% | 6,108 |
| Net interest margin | 4.3533% | 1,667 |
| Noninterest income to average assets | 0.7028% | 2,800 |
| Noninterest expense to average assets | 2.8056% | 4,462 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.3330% | 1,272 |
| Return on assets (ROA) | 1.3896% | 1,205 |
| Pretax return on assets | 1.8845% | 792 |
| Return on Equity (ROE) | 7.9031% | 2,954 |
| Retained earnings to average equity (ytd only) | 5.1841% | 2,854 |
| Net charge-offs to loans | 0.0967% | 5,563 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 42.0175% | 658 |
| Efficiency ratio | 60.8117% | 5,822 |
| Assets per employee ($millions) | 3.2522% | 5,573 |
| Cash dividends to net income (ytd only)* | 34.4036% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4465% | 4,223 |
| Loan loss allowance to noncurrent loans | 45.5745% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 1.7367% | 3,837 |
| Noncurrent loans to loans | 3.1738% | 2,508 |
| Net loans and leases to total assets | 43.1496% | 6,897 |
| Net loans and leases to deposits | 53.3831% | 6,809 |
| Net loans and leases to core deposits | 59.0178% | 6,667 |
| Total domestic deposits to total assets | 80.8301% | 5,441 |
| Equity capital to assets | 17.7726% | 435 |
| Core capital (leverage) ratio | 17.1592% | 417 |
| Tier 1 risk-based capital ratio | 31.0733% | 471 |
| Total risk-based capital ratio | 32.2283% | 469 |
| Memoranda: | ||
| Average total assets | $167,329,500 | 3,632 |
| Average earning assets | $150,318,750 | 3,676 |
| Average equity | $29,422,500 | 2,242 |
| Average total loans | $74,438,250 | 4,586 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3476% | 3,226 |
| Cost of funding earning assets | 0.9914% | 6,184 |
| Net interest margin | 4.3562% | 1,575 |
| Noninterest income to average assets | 0.6825% | 2,806 |
| Noninterest expense to average assets | 2.7397% | 4,739 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3662% | 1,157 |
| Return on assets (ROA) | 1.3662% | 1,226 |
| Pretax return on assets | 1.8640% | 790 |
| Return on Equity (ROE) | 7.7983% | 2,964 |
| Retained earnings to average equity (ytd only) | 3.6903% | 3,753 |
| Net charge-offs to loans | 0.1475% | 4,756 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 28.2545% | 957 |
| Efficiency ratio | 59.5102% | 6,143 |
| Assets per employee ($millions) | 3.2195% | 5,635 |
| Cash dividends to net income (ytd only)* | 52.6778% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4241% | 4,317 |
| Loan loss allowance to noncurrent loans | 52.7353% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 1.5990% | 4,043 |
| Noncurrent loans to loans | 2.7005% | 2,951 |
| Net loans and leases to total assets | 44.2400% | 6,900 |
| Net loans and leases to deposits | 54.3785% | 6,839 |
| Net loans and leases to core deposits | 60.1434% | 6,706 |
| Total domestic deposits to total assets | 81.3556% | 5,267 |
| Equity capital to assets | 17.6744% | 450 |
| Core capital (leverage) ratio | 16.9354% | 450 |
| Tier 1 risk-based capital ratio | 30.1604% | 497 |
| Total risk-based capital ratio | 31.3044% | 497 |
| Memoranda: | ||
| Average total assets | $166,734,670 | 3,658 |
| Average earning assets | $150,085,330 | 3,705 |
| Average equity | $29,211,330 | 2,246 |
| Average total loans | $74,570,000 | 4,622 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2629% | 3,718 |
| Cost of funding earning assets | 1.0102% | 6,331 |
| Net interest margin | 4.2527% | 1,844 |
| Noninterest income to average assets | 0.6731% | 2,787 |
| Noninterest expense to average assets | 2.7405% | 4,717 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2933% | 1,316 |
| Return on assets (ROA) | 1.2933% | 1,388 |
| Pretax return on assets | 1.7476% | 973 |
| Return on Equity (ROE) | 7.4149% | 3,157 |
| Retained earnings to average equity (ytd only) | 7.4149% | 1,965 |
| Net charge-offs to loans | 0.0915% | 4,501 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 42.7647% | 647 |
| Efficiency ratio | 61.0605% | 5,991 |
| Assets per employee ($millions) | 3.3222% | 5,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 3,973 |
| Loan loss allowance to noncurrent loans | 50.8024% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 1.5712% | 4,145 |
| Noncurrent loans to loans | 2.9273% | 2,750 |
| Net loans and leases to total assets | 43.3200% | 7,043 |
| Net loans and leases to deposits | 52.8652% | 6,988 |
| Net loans and leases to core deposits | 59.4130% | 6,787 |
| Total domestic deposits to total assets | 81.9442% | 5,094 |
| Equity capital to assets | 17.2832% | 497 |
| Core capital (leverage) ratio | 17.1082% | 445 |
| Tier 1 risk-based capital ratio | 30.2107% | 518 |
| Total risk-based capital ratio | 31.3973% | 506 |
| Memoranda: | ||
| Average total assets | $166,396,000 | 3,726 |
| Average earning assets | $149,271,000 | 3,767 |
| Average equity | $29,022,500 | 2,288 |
| Average total loans | $74,288,500 | 4,703 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6713% | 3,247 |
| Cost of funding earning assets | 1.2065% | 6,637 |
| Net interest margin | 4.4648% | 1,258 |
| Noninterest income to average assets | 0.7758% | 2,534 |
| Noninterest expense to average assets | 3.1806% | 3,441 |
| Loan and lease loss provision to assets | 0.0476% | 7,088 |
| Net operating income to assets | 1.2378% | 1,158 |
| Return on assets (ROA) | 1.2408% | 1,206 |
| Pretax return on assets | 1.5890% | 985 |
| Return on Equity (ROE) | 6.9621% | 2,802 |
| Retained earnings to average equity (ytd only) | 4.3994% | 2,168 |
| Net charge-offs to loans | 0.1102% | 6,055 |
| Credit loss provision to net charge-offs | 91.4634% | 5,955 |
| Earnings coverage of net charge-offs (x) | 31.3902% | 731 |
| Efficiency ratio | 66.0780% | 5,379 |
| Assets per employee ($millions) | 3.2032% | 5,714 |
| Cash dividends to net income (ytd only)* | 36.8098% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5188% | 3,628 |
| Loan loss allowance to noncurrent loans | 93.5940% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 1.0180% | 5,075 |
| Noncurrent loans to loans | 1.6227% | 4,210 |
| Net loans and leases to total assets | 44.6536% | 7,078 |
| Net loans and leases to deposits | 54.7815% | 6,998 |
| Net loans and leases to core deposits | 66.1057% | 6,974 |
| Total domestic deposits to total assets | 81.5122% | 5,148 |
| Equity capital to assets | 17.6063% | 487 |
| Core capital (leverage) ratio | 17.5920% | 432 |
| Tier 1 risk-based capital ratio | 29.8822% | 529 |
| Total risk-based capital ratio | 31.0971% | 515 |
| Memoranda: | ||
| Average total assets | $157,644,200 | 3,815 |
| Average earning assets | $142,558,800 | 3,850 |
| Average equity | $28,095,000 | 2,360 |
| Average total loans | $74,387,200 | 4,714 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7188% | 3,248 |
| Cost of funding earning assets | 1.2480% | 6,732 |
| Net interest margin | 4.4708% | 1,266 |
| Noninterest income to average assets | 0.6922% | 3,073 |
| Noninterest expense to average assets | 3.1358% | 3,516 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1971% | 1,474 |
| Return on assets (ROA) | 1.2009% | 1,522 |
| Pretax return on assets | 1.6191% | 1,140 |
| Return on Equity (ROE) | 6.7170% | 3,208 |
| Retained earnings to average equity (ytd only) | 4.9984% | 2,493 |
| Net charge-offs to loans | 0.1361% | 5,341 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 24.8818% | 1,075 |
| Efficiency ratio | 66.0198% | 5,360 |
| Assets per employee ($millions) | 3.0293% | 6,084 |
| Cash dividends to net income (ytd only)* | 25.5865% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4229% | 3,820 |
| Loan loss allowance to noncurrent loans | 128.4672% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.7999% | 5,514 |
| Noncurrent loans to loans | 1.1076% | 5,099 |
| Net loans and leases to total assets | 46.4427% | 7,074 |
| Net loans and leases to deposits | 57.4085% | 7,000 |
| Net loans and leases to core deposits | 69.5729% | 6,987 |
| Total domestic deposits to total assets | 80.8987% | 5,120 |
| Equity capital to assets | 18.1872% | 498 |
| Core capital (leverage) ratio | 17.7023% | 481 |
| Tier 1 risk-based capital ratio | 29.9664% | 568 |
| Total risk-based capital ratio | 31.1179% | 559 |
| Memoranda: | ||
| Average total assets | $156,214,750 | 3,870 |
| Average earning assets | $141,774,750 | 3,893 |
| Average equity | $27,928,250 | 2,397 |
| Average total loans | $74,466,000 | 4,753 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7878% | 3,107 |
| Cost of funding earning assets | 1.3016% | 6,803 |
| Net interest margin | 4.4863% | 1,198 |
| Noninterest income to average assets | 0.6933% | 3,030 |
| Noninterest expense to average assets | 3.1365% | 3,554 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2053% | 1,457 |
| Return on assets (ROA) | 1.2081% | 1,540 |
| Pretax return on assets | 1.6408% | 1,129 |
| Return on Equity (ROE) | 6.7972% | 3,287 |
| Retained earnings to average equity (ytd only) | 4.1968% | 2,964 |
| Net charge-offs to loans | 0.0724% | 5,491 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 47.2222% | 719 |
| Efficiency ratio | 65.7074% | 5,597 |
| Assets per employee ($millions) | 3.1062% | 5,853 |
| Cash dividends to net income (ytd only)* | 38.2572% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4907% | 3,247 |
| Loan loss allowance to noncurrent loans | 117.0551% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.7720% | 5,471 |
| Noncurrent loans to loans | 1.2735% | 4,654 |
| Net loans and leases to total assets | 47.0169% | 7,127 |
| Net loans and leases to deposits | 57.8971% | 7,036 |
| Net loans and leases to core deposits | 71.3542% | 6,942 |
| Total domestic deposits to total assets | 81.2077% | 4,994 |
| Equity capital to assets | 17.9856% | 552 |
| Core capital (leverage) ratio | 17.4851% | 561 |
| Tier 1 risk-based capital ratio | 29.8418% | 613 |
| Total risk-based capital ratio | 31.0625% | 602 |
| Memoranda: | ||
| Average total assets | $155,778,670 | 3,908 |
| Average earning assets | $141,676,330 | 3,912 |
| Average equity | $27,688,000 | 2,426 |
| Average total loans | $74,550,000 | 4,789 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7867% | 3,369 |
| Cost of funding earning assets | 1.3616% | 6,839 |
| Net interest margin | 4.4251% | 1,286 |
| Noninterest income to average assets | 0.6615% | 3,125 |
| Noninterest expense to average assets | 3.2177% | 2,905 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0929% | 1,981 |
| Return on assets (ROA) | 1.0948% | 2,107 |
| Pretax return on assets | 1.4794% | 1,728 |
| Return on Equity (ROE) | 6.1962% | 3,958 |
| Retained earnings to average equity (ytd only) | 6.1962% | 2,547 |
| Net charge-offs to loans | 0.0589% | 4,648 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 52.3636% | 696 |
| Efficiency ratio | 68.5418% | 4,861 |
| Assets per employee ($millions) | 3.0724% | 5,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4832% | 3,072 |
| Loan loss allowance to noncurrent loans | 114.2712% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.7741% | 5,233 |
| Noncurrent loans to loans | 1.2980% | 4,380 |
| Net loans and leases to total assets | 47.5184% | 7,063 |
| Net loans and leases to deposits | 58.3198% | 7,014 |
| Net loans and leases to core deposits | 74.4647% | 6,778 |
| Total domestic deposits to total assets | 81.4791% | 4,754 |
| Equity capital to assets | 17.7928% | 631 |
| Core capital (leverage) ratio | 17.3488% | 617 |
| Tier 1 risk-based capital ratio | 29.3878% | 664 |
| Total risk-based capital ratio | 30.6142% | 644 |
| Memoranda: | ||
| Average total assets | $156,014,000 | 3,901 |
| Average earning assets | $142,188,000 | 3,912 |
| Average equity | $27,565,500 | 2,449 |
| Average total loans | $74,762,000 | 4,819 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0163% | 5,475 |
| Cost of funding earning assets | 1.7779% | 7,066 |
| Net interest margin | 4.2384% | 2,164 |
| Noninterest income to average assets | 0.7630% | 2,709 |
| Noninterest expense to average assets | 3.0872% | 3,751 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2731% | 1,559 |
| Return on assets (ROA) | 0.7403% | 3,552 |
| Pretax return on assets | 0.8910% | 3,751 |
| Return on Equity (ROE) | 4.3308% | 4,671 |
| Retained earnings to average equity (ytd only) | -1.8666% | 5,831 |
| Net charge-offs to loans | 0.0406% | 6,213 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 81.0333% | 516 |
| Efficiency ratio | 66.8213% | 4,937 |
| Assets per employee ($millions) | 3.0458% | 5,942 |
| Cash dividends to net income (ytd only)* | 143.1005% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5309% | 2,536 |
| Loan loss allowance to noncurrent loans | 81.5562% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 0.9644% | 4,421 |
| Noncurrent loans to loans | 1.8771% | 2,944 |
| Net loans and leases to total assets | 46.8748% | 7,263 |
| Net loans and leases to deposits | 58.8164% | 7,157 |
| Net loans and leases to core deposits | 70.7472% | 7,148 |
| Total domestic deposits to total assets | 79.6968% | 5,131 |
| Equity capital to assets | 17.5434% | 713 |
| Core capital (leverage) ratio | 16.9561% | 703 |
| Tier 1 risk-based capital ratio | 29.5378% | 664 |
| Total risk-based capital ratio | 30.7882% | 648 |
| Memoranda: | ||
| Average total assets | $158,589,200 | 3,743 |
| Average earning assets | $144,324,200 | 3,750 |
| Average equity | $27,108,400 | 2,469 |
| Average total loans | $73,805,200 | 4,747 |