Home > Citizens Bank of Ada > Performance and Condition Ratios
Citizens Bank of Ada, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8320% | 2,409 |
| Cost of funding earning assets | 1.0000% | 3,292 |
| Net interest margin | 3.8321% | 1,508 |
| Noninterest income to average assets | 1.0300% | 599 |
| Noninterest expense to average assets | 3.2534% | 777 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.3471% | 1,329 |
| Return on assets (ROA) | 1.3471% | 1,302 |
| Pretax return on assets | 1.3471% | 1,747 |
| Return on Equity (ROE) | 19.4600% | 662 |
| Retained earnings to average equity (ytd only) | 13.0744% | 492 |
| Net charge-offs to loans | -0.0523% | 4,383 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.7237% | 1,917 |
| Assets per employee ($millions) | 4.3761% | 4,005 |
| Cash dividends to net income (ytd only)* | 32.8113% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0638% | 3,006 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 53.9100% | 3,356 |
| Net loans and leases to deposits | 62.0040% | 3,406 |
| Net loans and leases to core deposits | 62.3884% | 3,661 |
| Total domestic deposits to total assets | 86.9500% | 1,700 |
| Equity capital to assets | 7.5645% | 3,676 |
| Core capital (leverage) ratio | 8.3812% | 4,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9552% | 1,286 |
| Memoranda: | ||
| Average total assets | $298,643,800 | 2,434 |
| Average earning assets | $283,112,000 | 2,396 |
| Average equity | $20,674,000 | 2,801 |
| Average total loans | $150,983,000 | 2,667 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6941% | 2,482 |
| Cost of funding earning assets | 0.9622% | 3,129 |
| Net interest margin | 3.7319% | 1,721 |
| Noninterest income to average assets | 1.0500% | 596 |
| Noninterest expense to average assets | 3.2887% | 735 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.2753% | 1,593 |
| Return on assets (ROA) | 1.2753% | 1,585 |
| Pretax return on assets | 1.2753% | 2,107 |
| Return on Equity (ROE) | 18.8600% | 838 |
| Retained earnings to average equity (ytd only) | 18.8568% | 304 |
| Net charge-offs to loans | -0.0630% | 4,420 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.6382% | 1,607 |
| Assets per employee ($millions) | 4.4186% | 3,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 3,282 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 53.6000% | 3,394 |
| Net loans and leases to deposits | 62.6444% | 3,366 |
| Net loans and leases to core deposits | 63.0529% | 3,575 |
| Total domestic deposits to total assets | 85.5600% | 2,331 |
| Equity capital to assets | 7.2967% | 3,468 |
| Core capital (leverage) ratio | 8.6439% | 4,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6610% | 1,164 |
| Memoranda: | ||
| Average total assets | $298,910,750 | 2,434 |
| Average earning assets | $283,384,250 | 2,393 |
| Average equity | $20,215,000 | 2,826 |
| Average total loans | $148,191,750 | 2,696 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5809% | 2,453 |
| Cost of funding earning assets | 0.9064% | 2,904 |
| Net interest margin | 3.6745% | 1,866 |
| Noninterest income to average assets | 1.0300% | 539 |
| Noninterest expense to average assets | 3.3143% | 680 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.1796% | 1,883 |
| Return on assets (ROA) | 1.1796% | 1,877 |
| Pretax return on assets | 1.1796% | 2,418 |
| Return on Equity (ROE) | 17.8900% | 972 |
| Retained earnings to average equity (ytd only) | 17.8889% | 348 |
| Net charge-offs to loans | -0.0837% | 4,485 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.4270% | 1,412 |
| Assets per employee ($millions) | 4.5231% | 3,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0280% | 3,301 |
| Loan loss allowance to noncurrent loans | 594.9807% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 2,938 |
| Noncurrent loans to loans | 0.1728% | 2,617 |
| Net loans and leases to total assets | 48.9500% | 3,629 |
| Net loans and leases to deposits | 56.1295% | 3,642 |
| Net loans and leases to core deposits | 56.4691% | 3,794 |
| Total domestic deposits to total assets | 87.2200% | 1,862 |
| Equity capital to assets | 6.8193% | 3,880 |
| Core capital (leverage) ratio | 8.0483% | 4,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1119% | 1,297 |
| Memoranda: | ||
| Average total assets | $302,810,667 | 2,428 |
| Average earning assets | $287,059,000 | 2,388 |
| Average equity | $19,967,667 | 2,868 |
| Average total loans | $145,746,333 | 2,707 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4528% | 2,420 |
| Cost of funding earning assets | 0.7803% | 2,801 |
| Net interest margin | 3.6726% | 1,959 |
| Noninterest income to average assets | 1.0000% | 575 |
| Noninterest expense to average assets | 3.5614% | 501 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9541% | 2,678 |
| Return on assets (ROA) | 0.9541% | 2,642 |
| Pretax return on assets | 0.9541% | 3,112 |
| Return on Equity (ROE) | 14.7200% | 1,620 |
| Retained earnings to average equity (ytd only) | 14.7208% | 844 |
| Net charge-offs to loans | -0.1392% | 4,552 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.8704% | 918 |
| Assets per employee ($millions) | 4.6023% | 3,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 3,376 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 47.3700% | 3,677 |
| Net loans and leases to deposits | 55.1423% | 3,622 |
| Net loans and leases to core deposits | 55.4799% | 3,768 |
| Total domestic deposits to total assets | 85.9100% | 2,622 |
| Equity capital to assets | 6.7730% | 3,926 |
| Core capital (leverage) ratio | 7.4295% | 4,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7917% | 1,191 |
| Memoranda: | ||
| Average total assets | $302,691,000 | 2,454 |
| Average earning assets | $290,151,500 | 2,398 |
| Average equity | $19,618,500 | 2,923 |
| Average total loans | $143,670,000 | 2,767 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5421% | 2,967 |
| Cost of funding earning assets | 0.2707% | 3,151 |
| Net interest margin | 3.2714% | 2,644 |
| Noninterest income to average assets | 0.9700% | 682 |
| Noninterest expense to average assets | 3.3229% | 608 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.6906% | 3,640 |
| Return on assets (ROA) | 0.6906% | 3,596 |
| Pretax return on assets | 0.6906% | 3,867 |
| Return on Equity (ROE) | 10.0900% | 2,778 |
| Retained earnings to average equity (ytd only) | 4.1311% | 3,355 |
| Net charge-offs to loans | 0.2055% | 404 |
| Credit loss provision to net charge-offs | 60.2888% | 1,774 |
| Earnings coverage of net charge-offs (x) | 7.8628% | 2,288 |
| Efficiency ratio | 81.6265% | 616 |
| Assets per employee ($millions) | 4.3090% | 4,137 |
| Cash dividends to net income (ytd only)* | 59.0751% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0215% | 3,250 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 46.5800% | 3,765 |
| Net loans and leases to deposits | 53.8350% | 3,684 |
| Net loans and leases to core deposits | 55.0640% | 3,765 |
| Total domestic deposits to total assets | 86.5200% | 2,565 |
| Equity capital to assets | 6.1877% | 4,023 |
| Core capital (leverage) ratio | 7.3588% | 4,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2421% | 1,551 |
| Memoranda: | ||
| Average total assets | $291,188,200 | 2,493 |
| Average earning assets | $276,307,400 | 2,461 |
| Average equity | $19,922,000 | 2,957 |
| Average total loans | $134,797,200 | 2,778 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3281% | 3,104 |
| Cost of funding earning assets | 0.1734% | 3,585 |
| Net interest margin | 3.1547% | 2,764 |
| Noninterest income to average assets | 1.0000% | 662 |
| Noninterest expense to average assets | 3.3691% | 539 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.5489% | 3,975 |
| Return on assets (ROA) | 0.5489% | 3,913 |
| Pretax return on assets | 0.5489% | 4,071 |
| Return on Equity (ROE) | 7.8300% | 3,379 |
| Retained earnings to average equity (ytd only) | 7.8272% | 2,070 |
| Net charge-offs to loans | -0.0190% | 3,978 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 84.6431% | 508 |
| Assets per employee ($millions) | 4.1903% | 4,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2881% | 2,090 |
| Loan loss allowance to noncurrent loans | 522.5610% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 2,845 |
| Noncurrent loans to loans | 0.2465% | 2,396 |
| Net loans and leases to total assets | 44.7800% | 3,830 |
| Net loans and leases to deposits | 52.0157% | 3,730 |
| Net loans and leases to core deposits | 53.3012% | 3,791 |
| Total domestic deposits to total assets | 86.0900% | 3,048 |
| Equity capital to assets | 6.4742% | 3,750 |
| Core capital (leverage) ratio | 7.7001% | 4,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5876% | 1,068 |
| Memoranda: | ||
| Average total assets | $288,577,750 | 2,526 |
| Average earning assets | $272,980,500 | 2,494 |
| Average equity | $20,236,500 | 2,976 |
| Average total loans | $133,009,250 | 2,799 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1134% | 3,271 |
| Cost of funding earning assets | 0.1103% | 4,076 |
| Net interest margin | 3.0031% | 2,859 |
| Noninterest income to average assets | 0.9903% | 683 |
| Noninterest expense to average assets | 3.3519% | 508 |
| Loan and lease loss provision to assets | 0.0627% | 1,476 |
| Net operating income to assets | 0.4223% | 4,071 |
| Return on assets (ROA) | 0.4223% | 4,018 |
| Pretax return on assets | 0.4223% | 4,125 |
| Return on Equity (ROE) | 5.8687% | 3,608 |
| Retained earnings to average equity (ytd only) | 5.8687% | 2,378 |
| Net charge-offs to loans | 0.0301% | 1,128 |
| Credit loss provision to net charge-offs | 450.0000% | 662 |
| Earnings coverage of net charge-offs (x) | 34.8000% | 1,329 |
| Efficiency ratio | 87.3592% | 520 |
| Assets per employee ($millions) | 3.9145% | 4,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 2,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 45.8738% | 3,717 |
| Net loans and leases to deposits | 53.0557% | 3,602 |
| Net loans and leases to core deposits | 54.4135% | 3,674 |
| Total domestic deposits to total assets | 86.4634% | 3,124 |
| Equity capital to assets | 7.0294% | 3,752 |
| Core capital (leverage) ratio | 7.5026% | 4,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0391% | 1,429 |
| Memoranda: | ||
| Average total assets | $286,997,333 | 2,549 |
| Average earning assets | $272,051,667 | 2,527 |
| Average equity | $20,652,000 | 3,004 |
| Average total loans | $132,991,333 | 2,820 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8862% | 3,565 |
| Cost of funding earning assets | 0.1053% | 4,065 |
| Net interest margin | 2.7810% | 3,197 |
| Noninterest income to average assets | 0.9849% | 694 |
| Noninterest expense to average assets | 3.2420% | 573 |
| Loan and lease loss provision to assets | 0.0622% | 1,300 |
| Net operating income to assets | 0.3080% | 4,129 |
| Return on assets (ROA) | 0.3080% | 4,097 |
| Pretax return on assets | 0.3080% | 4,177 |
| Return on Equity (ROE) | 4.2331% | 3,816 |
| Retained earnings to average equity (ytd only) | 4.2331% | 2,858 |
| Net charge-offs to loans | -0.0179% | 3,853 |
| Credit loss provision to net charge-offs | -750.0000% | 3,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7514% | 559 |
| Assets per employee ($millions) | 4.0553% | 4,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2256% | 2,731 |
| Loan loss allowance to noncurrent loans | 1,534.2857% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 3,678 |
| Noncurrent loans to loans | 0.0799% | 3,440 |
| Net loans and leases to total assets | 44.4682% | 3,707 |
| Net loans and leases to deposits | 52.8159% | 3,505 |
| Net loans and leases to core deposits | 54.2116% | 3,577 |
| Total domestic deposits to total assets | 84.1946% | 3,729 |
| Equity capital to assets | 7.0864% | 4,167 |
| Core capital (leverage) ratio | 7.5278% | 4,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0796% | 1,495 |
| Memoranda: | ||
| Average total assets | $289,574,500 | 2,552 |
| Average earning assets | $273,573,000 | 2,530 |
| Average equity | $21,072,000 | 3,052 |
| Average total loans | $134,026,000 | 2,809 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5409% | 2,542 |
| Cost of funding earning assets | 0.1315% | 4,140 |
| Net interest margin | 3.4094% | 1,998 |
| Noninterest income to average assets | 1.1889% | 750 |
| Noninterest expense to average assets | 3.4508% | 516 |
| Loan and lease loss provision to assets | 0.2033% | 519 |
| Net operating income to assets | 0.7434% | 3,507 |
| Return on assets (ROA) | 0.7512% | 3,548 |
| Pretax return on assets | 0.7512% | 3,834 |
| Return on Equity (ROE) | 9.3125% | 2,783 |
| Retained earnings to average equity (ytd only) | 3.8084% | 3,290 |
| Net charge-offs to loans | 0.2570% | 352 |
| Credit loss provision to net charge-offs | 151.5320% | 1,488 |
| Earnings coverage of net charge-offs (x) | 7.0557% | 2,366 |
| Efficiency ratio | 78.4719% | 910 |
| Assets per employee ($millions) | 3.6816% | 4,541 |
| Cash dividends to net income (ytd only)* | 59.1045% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1420% | 3,163 |
| Loan loss allowance to noncurrent loans | 107.4380% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.5056% | 1,317 |
| Noncurrent loans to loans | 1.0629% | 918 |
| Net loans and leases to total assets | 47.0256% | 3,600 |
| Net loans and leases to deposits | 56.8825% | 3,348 |
| Net loans and leases to core deposits | 58.6049% | 3,426 |
| Total domestic deposits to total assets | 82.6714% | 3,866 |
| Equity capital to assets | 7.4706% | 4,602 |
| Core capital (leverage) ratio | 7.9394% | 4,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4218% | 2,075 |
| Memoranda: | ||
| Average total assets | $267,560,800 | 2,617 |
| Average earning assets | $251,800,400 | 2,604 |
| Average equity | $21,583,800 | 3,088 |
| Average total loans | $139,666,000 | 2,730 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5323% | 2,739 |
| Cost of funding earning assets | 0.1382% | 4,207 |
| Net interest margin | 3.3941% | 2,171 |
| Noninterest income to average assets | 1.2498% | 741 |
| Noninterest expense to average assets | 3.5533% | 428 |
| Loan and lease loss provision to assets | 0.2056% | 493 |
| Net operating income to assets | 0.6822% | 3,813 |
| Return on assets (ROA) | 0.6929% | 3,848 |
| Pretax return on assets | 0.6929% | 4,075 |
| Return on Equity (ROE) | 8.4193% | 3,278 |
| Retained earnings to average equity (ytd only) | 8.4193% | 1,900 |
| Net charge-offs to loans | -0.0437% | 4,288 |
| Credit loss provision to net charge-offs | -880.4348% | 3,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0091% | 744 |
| Assets per employee ($millions) | 3.5095% | 4,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3279% | 2,354 |
| Loan loss allowance to noncurrent loans | 95.3027% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.7184% | 1,028 |
| Noncurrent loans to loans | 1.3934% | 765 |
| Net loans and leases to total assets | 50.8704% | 3,309 |
| Net loans and leases to deposits | 61.0044% | 3,138 |
| Net loans and leases to core deposits | 63.0687% | 3,214 |
| Total domestic deposits to total assets | 83.3881% | 3,613 |
| Equity capital to assets | 8.3402% | 4,313 |
| Core capital (leverage) ratio | 8.1537% | 4,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8411% | 2,029 |
| Memoranda: | ||
| Average total assets | $262,659,250 | 2,674 |
| Average earning assets | $246,974,750 | 2,657 |
| Average equity | $21,616,500 | 3,123 |
| Average total loans | $140,432,000 | 2,762 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5413% | 2,795 |
| Cost of funding earning assets | 0.1416% | 4,269 |
| Net interest margin | 3.3997% | 2,141 |
| Noninterest income to average assets | 1.2606% | 737 |
| Noninterest expense to average assets | 3.5690% | 427 |
| Loan and lease loss provision to assets | 0.2067% | 534 |
| Net operating income to assets | 0.6644% | 3,846 |
| Return on assets (ROA) | 0.6804% | 3,875 |
| Pretax return on assets | 0.6804% | 4,104 |
| Return on Equity (ROE) | 8.3057% | 3,312 |
| Retained earnings to average equity (ytd only) | 8.3057% | 1,975 |
| Net charge-offs to loans | -0.0226% | 4,040 |
| Credit loss provision to net charge-offs | -1,687.5000% | 3,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3827% | 760 |
| Assets per employee ($millions) | 3.5783% | 4,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 2,976 |
| Loan loss allowance to noncurrent loans | 84.1865% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 0.7352% | 1,117 |
| Noncurrent loans to loans | 1.4173% | 823 |
| Net loans and leases to total assets | 51.2509% | 3,423 |
| Net loans and leases to deposits | 61.1649% | 3,288 |
| Net loans and leases to core deposits | 63.1738% | 3,366 |
| Total domestic deposits to total assets | 83.7913% | 3,494 |
| Equity capital to assets | 8.1185% | 4,471 |
| Core capital (leverage) ratio | 7.9463% | 4,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $261,306,000 | 2,676 |
| Average earning assets | $244,374,667 | 2,666 |
| Average equity | $21,407,000 | 3,136 |
| Average total loans | $141,407,000 | 2,764 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5845% | 2,693 |
| Cost of funding earning assets | 0.1440% | 4,347 |
| Net interest margin | 3.4405% | 1,990 |
| Noninterest income to average assets | 1.3299% | 738 |
| Noninterest expense to average assets | 3.6746% | 380 |
| Loan and lease loss provision to assets | 0.2095% | 571 |
| Net operating income to assets | 0.6347% | 3,850 |
| Return on assets (ROA) | 0.6673% | 3,857 |
| Pretax return on assets | 0.6673% | 4,085 |
| Return on Equity (ROE) | 8.1069% | 3,290 |
| Retained earnings to average equity (ytd only) | 8.1069% | 2,200 |
| Net charge-offs to loans | -0.0225% | 4,050 |
| Credit loss provision to net charge-offs | -1,687.5000% | 3,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3187% | 738 |
| Assets per employee ($millions) | 3.6265% | 4,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 3,527 |
| Loan loss allowance to noncurrent loans | 77.9661% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 0.7158% | 1,296 |
| Noncurrent loans to loans | 1.3833% | 915 |
| Net loans and leases to total assets | 51.1899% | 3,523 |
| Net loans and leases to deposits | 61.1801% | 3,394 |
| Net loans and leases to core deposits | 63.3962% | 3,465 |
| Total domestic deposits to total assets | 83.6709% | 3,524 |
| Equity capital to assets | 7.8643% | 4,566 |
| Core capital (leverage) ratio | 8.2375% | 4,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $257,772,000 | 2,682 |
| Average earning assets | $238,920,000 | 2,682 |
| Average equity | $21,216,500 | 3,140 |
| Average total loans | $142,508,000 | 2,758 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3957% | 1,604 |
| Cost of funding earning assets | 0.1596% | 4,700 |
| Net interest margin | 4.2360% | 584 |
| Noninterest income to average assets | 1.4839% | 553 |
| Noninterest expense to average assets | 4.5495% | 246 |
| Loan and lease loss provision to assets | 0.1734% | 2,222 |
| Net operating income to assets | 0.6656% | 3,537 |
| Return on assets (ROA) | 0.6656% | 3,665 |
| Pretax return on assets | 0.6656% | 3,952 |
| Return on Equity (ROE) | 6.8463% | 3,262 |
| Retained earnings to average equity (ytd only) | 1.2098% | 4,143 |
| Net charge-offs to loans | 0.2628% | 661 |
| Credit loss provision to net charge-offs | 104.1551% | 2,776 |
| Earnings coverage of net charge-offs (x) | 5.0388% | 2,913 |
| Efficiency ratio | 84.4290% | 599 |
| Assets per employee ($millions) | 3.1631% | 4,769 |
| Cash dividends to net income (ytd only)* | 82.3285% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9531% | 4,023 |
| Loan loss allowance to noncurrent loans | 34.9251% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 1.6165% | 426 |
| Noncurrent loans to loans | 2.7289% | 345 |
| Net loans and leases to total assets | 58.6692% | 3,014 |
| Net loans and leases to deposits | 70.5651% | 2,815 |
| Net loans and leases to core deposits | 73.4483% | 2,957 |
| Total domestic deposits to total assets | 83.1419% | 3,367 |
| Equity capital to assets | 8.6399% | 4,342 |
| Core capital (leverage) ratio | 8.9883% | 3,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,795,200 | 2,821 |
| Average earning assets | $199,832,600 | 2,824 |
| Average equity | $21,077,000 | 3,087 |
| Average total loans | $137,367,400 | 2,778 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4685% | 1,652 |
| Cost of funding earning assets | 0.1676% | 4,756 |
| Net interest margin | 4.3009% | 582 |
| Noninterest income to average assets | 1.5103% | 512 |
| Noninterest expense to average assets | 4.8648% | 200 |
| Loan and lease loss provision to assets | 0.1713% | 2,281 |
| Net operating income to assets | 0.4474% | 4,172 |
| Return on assets (ROA) | 0.4474% | 4,239 |
| Pretax return on assets | 0.4474% | 4,377 |
| Return on Equity (ROE) | 4.4579% | 4,042 |
| Retained earnings to average equity (ytd only) | 4.4579% | 2,824 |
| Net charge-offs to loans | 0.1701% | 866 |
| Credit loss provision to net charge-offs | 156.0694% | 2,295 |
| Earnings coverage of net charge-offs (x) | 5.6358% | 2,717 |
| Efficiency ratio | 88.7166% | 397 |
| Assets per employee ($millions) | 2.9895% | 4,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9845% | 3,766 |
| Loan loss allowance to noncurrent loans | 49.8802% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.3028% | 723 |
| Noncurrent loans to loans | 1.9737% | 620 |
| Net loans and leases to total assets | 65.3575% | 2,600 |
| Net loans and leases to deposits | 79.3810% | 2,384 |
| Net loans and leases to core deposits | 83.3075% | 2,545 |
| Total domestic deposits to total assets | 82.3340% | 3,331 |
| Equity capital to assets | 9.6055% | 3,600 |
| Core capital (leverage) ratio | 9.3876% | 3,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,104,750 | 2,846 |
| Average earning assets | $194,096,000 | 2,859 |
| Average equity | $21,085,500 | 3,088 |
| Average total loans | $135,642,250 | 2,804 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5676% | 1,733 |
| Cost of funding earning assets | 0.1727% | 4,827 |
| Net interest margin | 4.3949% | 624 |
| Noninterest income to average assets | 1.4411% | 504 |
| Noninterest expense to average assets | 5.1772% | 178 |
| Loan and lease loss provision to assets | 0.1753% | 2,261 |
| Net operating income to assets | 0.1285% | 4,653 |
| Return on assets (ROA) | 0.1285% | 4,685 |
| Pretax return on assets | 0.1285% | 4,702 |
| Return on Equity (ROE) | 1.2610% | 4,656 |
| Retained earnings to average equity (ytd only) | 1.2610% | 4,024 |
| Net charge-offs to loans | 0.2722% | 584 |
| Credit loss provision to net charge-offs | 100.5587% | 2,390 |
| Earnings coverage of net charge-offs (x) | 1.7430% | 2,830 |
| Efficiency ratio | 94.4573% | 284 |
| Assets per employee ($millions) | 2.8733% | 4,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9678% | 3,721 |
| Loan loss allowance to noncurrent loans | 46.5936% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 1.3203% | 778 |
| Noncurrent loans to loans | 2.0772% | 629 |
| Net loans and leases to total assets | 62.9453% | 3,016 |
| Net loans and leases to deposits | 76.4516% | 2,809 |
| Net loans and leases to core deposits | 80.2765% | 2,927 |
| Total domestic deposits to total assets | 82.3335% | 3,281 |
| Equity capital to assets | 9.4918% | 3,668 |
| Core capital (leverage) ratio | 9.4956% | 3,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,401,000 | 2,858 |
| Average earning assets | $188,807,667 | 2,882 |
| Average equity | $20,935,000 | 3,083 |
| Average total loans | $131,523,333 | 2,847 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0299% | 912 |
| Cost of funding earning assets | 0.1875% | 4,911 |
| Net interest margin | 4.8424% | 254 |
| Noninterest income to average assets | 1.3449% | 494 |
| Noninterest expense to average assets | 4.7195% | 260 |
| Loan and lease loss provision to assets | 0.1823% | 1,639 |
| Net operating income to assets | 0.8365% | 2,763 |
| Return on assets (ROA) | 0.8365% | 2,852 |
| Pretax return on assets | 0.8365% | 3,317 |
| Return on Equity (ROE) | 7.9034% | 2,555 |
| Retained earnings to average equity (ytd only) | 7.9034% | 1,254 |
| Net charge-offs to loans | 0.1701% | 781 |
| Credit loss provision to net charge-offs | 166.6667% | 1,525 |
| Earnings coverage of net charge-offs (x) | 9.3148% | 1,826 |
| Efficiency ratio | 82.2450% | 962 |
| Assets per employee ($millions) | 2.4348% | 4,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0862% | 3,280 |
| Loan loss allowance to noncurrent loans | 54.6594% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.3711% | 831 |
| Noncurrent loans to loans | 1.9873% | 717 |
| Net loans and leases to total assets | 64.4556% | 3,010 |
| Net loans and leases to deposits | 79.2939% | 2,750 |
| Net loans and leases to core deposits | 81.9083% | 3,029 |
| Total domestic deposits to total assets | 81.2870% | 3,604 |
| Equity capital to assets | 10.7610% | 3,088 |
| Core capital (leverage) ratio | 10.6527% | 2,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $197,480,000 | 2,895 |
| Average earning assets | $179,169,000 | 2,927 |
| Average equity | $20,902,500 | 3,085 |
| Average total loans | $126,973,500 | 2,870 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8895% | 1,784 |
| Cost of funding earning assets | 0.1975% | 4,972 |
| Net interest margin | 4.6920% | 481 |
| Noninterest income to average assets | 1.5570% | 382 |
| Noninterest expense to average assets | 4.5281% | 297 |
| Loan and lease loss provision to assets | 0.3061% | 542 |
| Net operating income to assets | 1.0578% | 2,629 |
| Return on assets (ROA) | 1.0578% | 2,721 |
| Pretax return on assets | 1.0578% | 3,305 |
| Return on Equity (ROE) | 10.1852% | 2,214 |
| Retained earnings to average equity (ytd only) | 3.0990% | 3,471 |
| Net charge-offs to loans | 0.2057% | 996 |
| Credit loss provision to net charge-offs | 247.5410% | 1,099 |
| Earnings coverage of net charge-offs (x) | 11.0287% | 2,523 |
| Efficiency ratio | 76.8516% | 1,283 |
| Assets per employee ($millions) | 2.3540% | 5,046 |
| Cash dividends to net income (ytd only)* | 69.5736% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 3,035 |
| Loan loss allowance to noncurrent loans | 195.6835% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.3515% | 3,001 |
| Noncurrent loans to loans | 0.5541% | 2,516 |
| Net loans and leases to total assets | 62.7448% | 3,333 |
| Net loans and leases to deposits | 79.1012% | 2,895 |
| Net loans and leases to core deposits | 81.9751% | 3,122 |
| Total domestic deposits to total assets | 79.3222% | 4,117 |
| Equity capital to assets | 10.4087% | 3,534 |
| Core capital (leverage) ratio | 10.6105% | 2,850 |
| Tier 1 risk-based capital ratio | 15.9389% | 2,427 |
| Total risk-based capital ratio | 17.0045% | 2,421 |
| Memoranda: | ||
| Average total assets | $197,300,800 | 2,861 |
| Average earning assets | $182,289,600 | 2,863 |
| Average equity | $20,490,600 | 3,089 |
| Average total loans | $118,607,600 | 2,958 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8056% | 2,100 |
| Cost of funding earning assets | 0.1983% | 5,043 |
| Net interest margin | 4.6073% | 609 |
| Noninterest income to average assets | 1.5734% | 371 |
| Noninterest expense to average assets | 4.5139% | 293 |
| Loan and lease loss provision to assets | 0.3043% | 484 |
| Net operating income to assets | 1.0595% | 2,740 |
| Return on assets (ROA) | 1.0595% | 2,816 |
| Pretax return on assets | 1.0595% | 3,413 |
| Return on Equity (ROE) | 10.2077% | 2,350 |
| Retained earnings to average equity (ytd only) | 10.2077% | 705 |
| Net charge-offs to loans | -0.0297% | 4,695 |
| Credit loss provision to net charge-offs | -1,730.7692% | 4,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7974% | 1,239 |
| Assets per employee ($millions) | 2.5147% | 5,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2277% | 2,346 |
| Loan loss allowance to noncurrent loans | 132.3767% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.5912% | 2,231 |
| Noncurrent loans to loans | 0.9274% | 1,731 |
| Net loans and leases to total assets | 62.9612% | 3,392 |
| Net loans and leases to deposits | 78.4224% | 3,054 |
| Net loans and leases to core deposits | 81.3755% | 3,286 |
| Total domestic deposits to total assets | 80.2847% | 3,928 |
| Equity capital to assets | 11.4058% | 2,730 |
| Core capital (leverage) ratio | 11.0281% | 2,616 |
| Tier 1 risk-based capital ratio | 16.3895% | 2,305 |
| Total risk-based capital ratio | 17.5266% | 2,273 |
| Memoranda: | ||
| Average total assets | $197,191,250 | 2,887 |
| Average earning assets | $184,226,750 | 2,871 |
| Average equity | $20,467,750 | 3,114 |
| Average total loans | $116,901,750 | 3,004 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6787% | 2,429 |
| Cost of funding earning assets | 0.1918% | 5,087 |
| Net interest margin | 4.4869% | 793 |
| Noninterest income to average assets | 1.5206% | 393 |
| Noninterest expense to average assets | 4.4158% | 331 |
| Loan and lease loss provision to assets | 0.2999% | 463 |
| Net operating income to assets | 0.9917% | 2,954 |
| Return on assets (ROA) | 0.9917% | 3,024 |
| Pretax return on assets | 0.9917% | 3,577 |
| Return on Equity (ROE) | 9.8610% | 2,456 |
| Retained earnings to average equity (ytd only) | 9.8610% | 801 |
| Net charge-offs to loans | -0.0363% | 4,734 |
| Credit loss provision to net charge-offs | -1,428.5714% | 4,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3691% | 1,231 |
| Assets per employee ($millions) | 2.5113% | 5,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0942% | 3,105 |
| Loan loss allowance to noncurrent loans | 120.3097% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.5678% | 2,312 |
| Noncurrent loans to loans | 0.9095% | 1,804 |
| Net loans and leases to total assets | 61.7485% | 3,576 |
| Net loans and leases to deposits | 76.8616% | 3,253 |
| Net loans and leases to core deposits | 79.8330% | 3,438 |
| Total domestic deposits to total assets | 80.3372% | 3,968 |
| Equity capital to assets | 10.8212% | 3,251 |
| Core capital (leverage) ratio | 10.4090% | 3,187 |
| Tier 1 risk-based capital ratio | 16.0498% | 2,391 |
| Total risk-based capital ratio | 17.0741% | 2,424 |
| Memoranda: | ||
| Average total assets | $200,053,330 | 2,870 |
| Average earning assets | $186,677,330 | 2,863 |
| Average equity | $20,119,670 | 3,136 |
| Average total loans | $115,794,330 | 3,034 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4537% | 3,038 |
| Cost of funding earning assets | 0.1728% | 5,173 |
| Net interest margin | 4.2810% | 1,129 |
| Noninterest income to average assets | 1.4140% | 428 |
| Noninterest expense to average assets | 4.3148% | 359 |
| Loan and lease loss provision to assets | 0.2950% | 443 |
| Net operating income to assets | 0.8004% | 3,618 |
| Return on assets (ROA) | 0.8004% | 3,662 |
| Pretax return on assets | 0.8004% | 4,042 |
| Return on Equity (ROE) | 8.2568% | 3,139 |
| Retained earnings to average equity (ytd only) | 8.2568% | 1,573 |
| Net charge-offs to loans | -0.0635% | 4,899 |
| Credit loss provision to net charge-offs | -833.3333% | 3,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7528% | 1,082 |
| Assets per employee ($millions) | 2.8891% | 5,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0113% | 3,619 |
| Loan loss allowance to noncurrent loans | 115.4150% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.4934% | 2,641 |
| Noncurrent loans to loans | 0.8762% | 1,892 |
| Net loans and leases to total assets | 55.7351% | 4,083 |
| Net loans and leases to deposits | 68.4181% | 3,891 |
| Net loans and leases to core deposits | 70.8686% | 4,014 |
| Total domestic deposits to total assets | 81.4624% | 3,864 |
| Equity capital to assets | 9.7570% | 4,037 |
| Core capital (leverage) ratio | 10.0313% | 3,570 |
| Tier 1 risk-based capital ratio | 16.4130% | 2,299 |
| Total risk-based capital ratio | 17.3661% | 2,338 |
| Memoranda: | ||
| Average total assets | $203,395,000 | 2,867 |
| Average earning assets | $189,862,500 | 2,855 |
| Average equity | $19,717,000 | 3,186 |
| Average total loans | $113,329,500 | 3,110 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4145% | 2,713 |
| Cost of funding earning assets | 0.1690% | 5,120 |
| Net interest margin | 4.2455% | 1,291 |
| Noninterest income to average assets | 1.2200% | 621 |
| Noninterest expense to average assets | 4.0826% | 479 |
| Loan and lease loss provision to assets | 0.3063% | 528 |
| Net operating income to assets | 0.7334% | 4,032 |
| Return on assets (ROA) | 0.7334% | 4,036 |
| Pretax return on assets | 0.7334% | 4,331 |
| Return on Equity (ROE) | 7.6959% | 3,573 |
| Retained earnings to average equity (ytd only) | 1.4356% | 4,560 |
| Net charge-offs to loans | 1.0916% | 130 |
| Credit loss provision to net charge-offs | 51.1002% | 3,173 |
| Earnings coverage of net charge-offs (x) | 1.7343% | 3,598 |
| Efficiency ratio | 79.7024% | 984 |
| Assets per employee ($millions) | 2.6535% | 5,155 |
| Cash dividends to net income (ytd only)* | 81.3458% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8996% | 4,163 |
| Loan loss allowance to noncurrent loans | 202.0202% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.2455% | 3,618 |
| Noncurrent loans to loans | 0.4453% | 2,941 |
| Net loans and leases to total assets | 54.6275% | 4,238 |
| Net loans and leases to deposits | 67.6054% | 4,004 |
| Net loans and leases to core deposits | 70.0755% | 4,111 |
| Total domestic deposits to total assets | 80.8034% | 3,934 |
| Equity capital to assets | 9.6298% | 4,020 |
| Core capital (leverage) ratio | 10.0480% | 3,526 |
| Tier 1 risk-based capital ratio | 16.5910% | 2,210 |
| Total risk-based capital ratio | 17.4329% | 2,292 |
| Memoranda: | ||
| Average total assets | $204,672,000 | 2,813 |
| Average earning assets | $188,129,800 | 2,848 |
| Average equity | $19,504,000 | 3,133 |
| Average total loans | $112,400,200 | 3,102 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3731% | 2,718 |
| Cost of funding earning assets | 0.1687% | 5,146 |
| Net interest margin | 4.2043% | 1,350 |
| Noninterest income to average assets | 1.1579% | 702 |
| Noninterest expense to average assets | 4.0514% | 493 |
| Loan and lease loss provision to assets | 0.2921% | 510 |
| Net operating income to assets | 0.6796% | 4,293 |
| Return on assets (ROA) | 0.6796% | 4,305 |
| Pretax return on assets | 0.6796% | 4,578 |
| Return on Equity (ROE) | 7.1497% | 3,878 |
| Retained earnings to average equity (ytd only) | 7.1497% | 2,049 |
| Net charge-offs to loans | 1.2291% | 108 |
| Credit loss provision to net charge-offs | 43.3109% | 2,879 |
| Earnings coverage of net charge-offs (x) | 1.4408% | 3,347 |
| Efficiency ratio | 80.6564% | 887 |
| Assets per employee ($millions) | 2.7800% | 5,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9604% | 4,008 |
| Loan loss allowance to noncurrent loans | 268.8830% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 3,769 |
| Noncurrent loans to loans | 0.3572% | 3,371 |
| Net loans and leases to total assets | 52.8217% | 4,438 |
| Net loans and leases to deposits | 64.7708% | 4,290 |
| Net loans and leases to core deposits | 67.1659% | 4,341 |
| Total domestic deposits to total assets | 81.5517% | 3,722 |
| Equity capital to assets | 10.1308% | 3,510 |
| Core capital (leverage) ratio | 10.3551% | 3,230 |
| Tier 1 risk-based capital ratio | 18.3934% | 1,693 |
| Total risk-based capital ratio | 19.3017% | 1,735 |
| Memoranda: | ||
| Average total assets | $205,423,500 | 2,834 |
| Average earning assets | $188,848,750 | 2,862 |
| Average equity | $19,525,000 | 3,151 |
| Average total loans | $112,709,000 | 3,127 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2837% | 2,821 |
| Cost of funding earning assets | 0.1674% | 5,168 |
| Net interest margin | 4.1163% | 1,503 |
| Noninterest income to average assets | 1.1283% | 754 |
| Noninterest expense to average assets | 4.0345% | 503 |
| Loan and lease loss provision to assets | 0.2883% | 484 |
| Net operating income to assets | 0.6112% | 4,461 |
| Return on assets (ROA) | 0.6112% | 4,467 |
| Pretax return on assets | 0.6112% | 4,723 |
| Return on Equity (ROE) | 6.5675% | 4,037 |
| Retained earnings to average equity (ytd only) | 6.5675% | 2,270 |
| Net charge-offs to loans | 1.0418% | 125 |
| Credit loss provision to net charge-offs | 50.0000% | 2,490 |
| Earnings coverage of net charge-offs (x) | 1.5600% | 3,051 |
| Efficiency ratio | 81.7686% | 852 |
| Assets per employee ($millions) | 2.8669% | 5,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 2,922 |
| Loan loss allowance to noncurrent loans | 103.4208% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.7119% | 2,099 |
| Noncurrent loans to loans | 1.1230% | 1,565 |
| Net loans and leases to total assets | 52.8602% | 4,420 |
| Net loans and leases to deposits | 63.2534% | 4,334 |
| Net loans and leases to core deposits | 65.5781% | 4,391 |
| Total domestic deposits to total assets | 83.5689% | 3,231 |
| Equity capital to assets | 9.3766% | 4,207 |
| Core capital (leverage) ratio | 9.6414% | 3,954 |
| Tier 1 risk-based capital ratio | 17.4141% | 1,964 |
| Total risk-based capital ratio | 18.5425% | 1,956 |
| Memoranda: | ||
| Average total assets | $208,105,000 | 2,829 |
| Average earning assets | $192,403,670 | 2,830 |
| Average equity | $19,368,000 | 3,188 |
| Average total loans | $115,188,670 | 3,090 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2711% | 2,631 |
| Cost of funding earning assets | 0.1639% | 5,193 |
| Net interest margin | 4.1071% | 1,417 |
| Noninterest income to average assets | 1.0351% | 845 |
| Noninterest expense to average assets | 4.0498% | 499 |
| Loan and lease loss provision to assets | 0.2891% | 459 |
| Net operating income to assets | 0.4626% | 4,784 |
| Return on assets (ROA) | 0.4626% | 4,788 |
| Pretax return on assets | 0.4626% | 4,940 |
| Return on Equity (ROE) | 4.9896% | 4,493 |
| Retained earnings to average equity (ytd only) | 4.9896% | 3,177 |
| Net charge-offs to loans | 1.3149% | 109 |
| Credit loss provision to net charge-offs | 39.0625% | 2,021 |
| Earnings coverage of net charge-offs (x) | 1.0156% | 2,597 |
| Efficiency ratio | 84.3436% | 774 |
| Assets per employee ($millions) | 2.7696% | 5,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 2,860 |
| Loan loss allowance to noncurrent loans | 59.5207% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 1.2015% | 1,267 |
| Noncurrent loans to loans | 2.0013% | 795 |
| Net loans and leases to total assets | 53.8311% | 4,300 |
| Net loans and leases to deposits | 64.5339% | 4,178 |
| Net loans and leases to core deposits | 66.7810% | 4,267 |
| Total domestic deposits to total assets | 83.4152% | 3,537 |
| Equity capital to assets | 9.1521% | 4,415 |
| Core capital (leverage) ratio | 9.4985% | 4,071 |
| Tier 1 risk-based capital ratio | 16.4434% | 2,294 |
| Total risk-based capital ratio | 17.5855% | 2,290 |
| Memoranda: | ||
| Average total assets | $207,514,500 | 2,867 |
| Average earning assets | $190,302,500 | 2,879 |
| Average equity | $19,240,000 | 3,225 |
| Average total loans | $116,818,500 | 3,104 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4684% | 1,817 |
| Cost of funding earning assets | 0.2604% | 4,477 |
| Net interest margin | 4.2080% | 1,178 |
| Noninterest income to average assets | 1.3040% | 623 |
| Noninterest expense to average assets | 4.0528% | 500 |
| Loan and lease loss provision to assets | 0.3358% | 494 |
| Net operating income to assets | 0.7650% | 3,319 |
| Return on assets (ROA) | 0.7650% | 3,357 |
| Pretax return on assets | 0.7650% | 4,349 |
| Return on Equity (ROE) | 8.2544% | 2,668 |
| Retained earnings to average equity (ytd only) | 2.0138% | 4,110 |
| Net charge-offs to loans | 0.0659% | 2,529 |
| Credit loss provision to net charge-offs | 844.0476% | 412 |
| Earnings coverage of net charge-offs (x) | 27.6667% | 1,628 |
| Efficiency ratio | 78.6397% | 1,261 |
| Assets per employee ($millions) | 2.8809% | 5,273 |
| Cash dividends to net income (ytd only)* | 75.6037% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 1,999 |
| Loan loss allowance to noncurrent loans | 95.4654% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 0.9881% | 1,565 |
| Noncurrent loans to loans | 1.4088% | 1,218 |
| Net loans and leases to total assets | 57.3787% | 4,071 |
| Net loans and leases to deposits | 68.8156% | 3,960 |
| Net loans and leases to core deposits | 71.3961% | 4,090 |
| Total domestic deposits to total assets | 83.3803% | 3,431 |
| Equity capital to assets | 9.3947% | 4,334 |
| Core capital (leverage) ratio | 9.6267% | 3,892 |
| Tier 1 risk-based capital ratio | 15.5742% | 2,595 |
| Total risk-based capital ratio | 16.8249% | 2,535 |
| Memoranda: | ||
| Average total assets | $211,114,600 | 2,808 |
| Average earning assets | $193,132,800 | 2,832 |
| Average equity | $19,565,400 | 3,193 |
| Average total loans | $127,371,200 | 2,952 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4374% | 1,835 |
| Cost of funding earning assets | 0.2844% | 4,274 |
| Net interest margin | 4.1530% | 1,271 |
| Noninterest income to average assets | 1.2565% | 668 |
| Noninterest expense to average assets | 4.1185% | 449 |
| Loan and lease loss provision to assets | 0.1692% | 1,195 |
| Net operating income to assets | 0.7758% | 3,616 |
| Return on assets (ROA) | 0.7758% | 3,668 |
| Pretax return on assets | 0.7758% | 4,417 |
| Return on Equity (ROE) | 8.3990% | 2,929 |
| Retained earnings to average equity (ytd only) | 8.3990% | 1,054 |
| Net charge-offs to loans | 0.0824% | 1,977 |
| Credit loss provision to net charge-offs | 337.5000% | 887 |
| Earnings coverage of net charge-offs (x) | 18.8507% | 2,025 |
| Efficiency ratio | 81.3366% | 972 |
| Assets per employee ($millions) | 2.7562% | 5,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 4,424 |
| Loan loss allowance to noncurrent loans | 151.6927% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.5655% | 2,832 |
| Noncurrent loans to loans | 0.6139% | 2,875 |
| Net loans and leases to total assets | 59.9594% | 3,870 |
| Net loans and leases to deposits | 72.4668% | 3,722 |
| Net loans and leases to core deposits | 75.0377% | 3,885 |
| Total domestic deposits to total assets | 82.7405% | 3,541 |
| Equity capital to assets | 9.7990% | 4,152 |
| Core capital (leverage) ratio | 9.8250% | 3,789 |
| Tier 1 risk-based capital ratio | 16.2910% | 2,382 |
| Total risk-based capital ratio | 17.2272% | 2,454 |
| Memoranda: | ||
| Average total assets | $212,758,000 | 2,815 |
| Average earning assets | $195,035,000 | 2,838 |
| Average equity | $19,652,750 | 3,203 |
| Average total loans | $129,473,250 | 2,945 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4368% | 1,708 |
| Cost of funding earning assets | 0.3202% | 3,875 |
| Net interest margin | 4.1166% | 1,281 |
| Noninterest income to average assets | 1.2637% | 647 |
| Noninterest expense to average assets | 4.0350% | 503 |
| Loan and lease loss provision to assets | 0.1676% | 1,176 |
| Net operating income to assets | 0.8446% | 3,186 |
| Return on assets (ROA) | 0.8446% | 3,228 |
| Pretax return on assets | 0.8446% | 4,113 |
| Return on Equity (ROE) | 9.3257% | 2,345 |
| Retained earnings to average equity (ytd only) | 9.3257% | 753 |
| Net charge-offs to loans | 0.0855% | 1,754 |
| Credit loss provision to net charge-offs | 321.4286% | 916 |
| Earnings coverage of net charge-offs (x) | 19.4107% | 1,835 |
| Efficiency ratio | 79.9446% | 1,212 |
| Assets per employee ($millions) | 2.8223% | 5,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8702% | 4,752 |
| Loan loss allowance to noncurrent loans | 116.2963% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.6536% | 2,593 |
| Noncurrent loans to loans | 0.7482% | 2,528 |
| Net loans and leases to total assets | 59.9472% | 3,849 |
| Net loans and leases to deposits | 71.1858% | 3,809 |
| Net loans and leases to core deposits | 73.6125% | 3,970 |
| Total domestic deposits to total assets | 84.2124% | 3,121 |
| Equity capital to assets | 9.5596% | 4,350 |
| Core capital (leverage) ratio | 9.1734% | 4,527 |
| Tier 1 risk-based capital ratio | 15.6071% | 2,664 |
| Total risk-based capital ratio | 16.4673% | 2,764 |
| Memoranda: | ||
| Average total assets | $214,772,330 | 2,810 |
| Average earning assets | $197,394,000 | 2,834 |
| Average equity | $19,451,670 | 3,226 |
| Average total loans | $130,927,670 | 2,933 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4115% | 1,612 |
| Cost of funding earning assets | 0.3593% | 3,429 |
| Net interest margin | 4.0523% | 1,344 |
| Noninterest income to average assets | 1.2841% | 618 |
| Noninterest expense to average assets | 4.1133% | 472 |
| Loan and lease loss provision to assets | 0.1653% | 1,086 |
| Net operating income to assets | 0.7146% | 3,643 |
| Return on assets (ROA) | 0.7146% | 3,681 |
| Pretax return on assets | 0.7146% | 4,403 |
| Return on Equity (ROE) | 8.1063% | 2,864 |
| Retained earnings to average equity (ytd only) | 8.1063% | 1,413 |
| Net charge-offs to loans | 0.0360% | 2,068 |
| Credit loss provision to net charge-offs | 750.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 39.9167% | 1,040 |
| Efficiency ratio | 82.3767% | 1,124 |
| Assets per employee ($millions) | 2.9898% | 5,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8042% | 5,051 |
| Loan loss allowance to noncurrent loans | 117.5223% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.5073% | 3,194 |
| Noncurrent loans to loans | 0.6843% | 2,796 |
| Net loans and leases to total assets | 60.3324% | 3,748 |
| Net loans and leases to deposits | 73.8386% | 3,421 |
| Net loans and leases to core deposits | 76.2395% | 3,631 |
| Total domestic deposits to total assets | 81.7085% | 4,244 |
| Equity capital to assets | 9.0227% | 4,785 |
| Core capital (leverage) ratio | 8.8916% | 4,852 |
| Tier 1 risk-based capital ratio | 14.5012% | 3,200 |
| Total risk-based capital ratio | 15.2874% | 3,371 |
| Memoranda: | ||
| Average total assets | $217,735,000 | 2,810 |
| Average earning assets | $199,296,500 | 2,834 |
| Average equity | $19,195,000 | 3,268 |
| Average total loans | $133,243,000 | 2,917 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7357% | 993 |
| Cost of funding earning assets | 0.4126% | 2,885 |
| Net interest margin | 4.3231% | 892 |
| Noninterest income to average assets | 0.9579% | 1,242 |
| Noninterest expense to average assets | 3.8413% | 740 |
| Loan and lease loss provision to assets | 0.1108% | 2,218 |
| Net operating income to assets | 1.0025% | 2,345 |
| Return on assets (ROA) | 1.0129% | 2,399 |
| Pretax return on assets | 1.0183% | 3,414 |
| Return on Equity (ROE) | 11.6723% | 1,349 |
| Retained earnings to average equity (ytd only) | 5.2813% | 2,143 |
| Net charge-offs to loans | 0.0692% | 2,707 |
| Credit loss provision to net charge-offs | 259.5745% | 1,112 |
| Earnings coverage of net charge-offs (x) | 26.2021% | 1,555 |
| Efficiency ratio | 77.4176% | 1,786 |
| Assets per employee ($millions) | 2.9360% | 5,398 |
| Cash dividends to net income (ytd only)* | 54.7534% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7193% | 5,327 |
| Loan loss allowance to noncurrent loans | 165.2542% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 3,853 |
| Noncurrent loans to loans | 0.4352% | 3,584 |
| Net loans and leases to total assets | 61.1173% | 3,712 |
| Net loans and leases to deposits | 75.2080% | 3,393 |
| Net loans and leases to core deposits | 77.5098% | 3,604 |
| Total domestic deposits to total assets | 81.2644% | 4,267 |
| Equity capital to assets | 8.6135% | 5,180 |
| Core capital (leverage) ratio | 8.9678% | 4,773 |
| Tier 1 risk-based capital ratio | 12.8626% | 4,158 |
| Total risk-based capital ratio | 13.5215% | 4,403 |
| Memoranda: | ||
| Average total assets | $220,162,200 | 2,759 |
| Average earning assets | $203,811,600 | 2,752 |
| Average equity | $19,105,000 | 3,258 |
| Average total loans | $135,760,600 | 2,833 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7124% | 1,039 |
| Cost of funding earning assets | 0.4145% | 2,890 |
| Net interest margin | 4.2979% | 933 |
| Noninterest income to average assets | 0.9533% | 1,249 |
| Noninterest expense to average assets | 3.8845% | 687 |
| Loan and lease loss provision to assets | 0.1090% | 2,106 |
| Net operating income to assets | 0.9479% | 2,663 |
| Return on assets (ROA) | 0.9617% | 2,748 |
| Pretax return on assets | 0.9672% | 3,752 |
| Return on Equity (ROE) | 11.0624% | 1,646 |
| Retained earnings to average equity (ytd only) | 11.0624% | 420 |
| Net charge-offs to loans | 0.0481% | 2,680 |
| Credit loss provision to net charge-offs | 367.3469% | 897 |
| Earnings coverage of net charge-offs (x) | 35.7969% | 1,327 |
| Efficiency ratio | 78.5015% | 1,618 |
| Assets per employee ($millions) | 3.0002% | 5,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6993% | 5,430 |
| Loan loss allowance to noncurrent loans | 125.6242% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.4778% | 3,524 |
| Noncurrent loans to loans | 0.5566% | 3,326 |
| Net loans and leases to total assets | 62.8487% | 3,540 |
| Net loans and leases to deposits | 79.9336% | 2,975 |
| Net loans and leases to core deposits | 82.8229% | 3,225 |
| Total domestic deposits to total assets | 78.6261% | 4,804 |
| Equity capital to assets | 9.2435% | 4,931 |
| Core capital (leverage) ratio | 9.2095% | 4,574 |
| Tier 1 risk-based capital ratio | 13.0394% | 4,136 |
| Total risk-based capital ratio | 13.6750% | 4,419 |
| Memoranda: | ||
| Average total assets | $220,152,500 | 2,768 |
| Average earning assets | $204,560,250 | 2,755 |
| Average equity | $19,139,500 | 3,275 |
| Average total loans | $135,811,750 | 2,840 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6796% | 1,093 |
| Cost of funding earning assets | 0.4144% | 2,892 |
| Net interest margin | 4.2652% | 993 |
| Noninterest income to average assets | 0.9552% | 1,228 |
| Noninterest expense to average assets | 3.8577% | 711 |
| Loan and lease loss provision to assets | 0.1083% | 2,052 |
| Net operating income to assets | 0.9425% | 2,659 |
| Return on assets (ROA) | 0.9425% | 2,802 |
| Pretax return on assets | 0.9479% | 3,780 |
| Return on Equity (ROE) | 11.0689% | 1,612 |
| Retained earnings to average equity (ytd only) | 11.0689% | 432 |
| Net charge-offs to loans | 0.0959% | 1,881 |
| Credit loss provision to net charge-offs | 184.6154% | 1,373 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,843 |
| Efficiency ratio | 78.4678% | 1,719 |
| Assets per employee ($millions) | 3.0002% | 5,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6490% | 5,617 |
| Loan loss allowance to noncurrent loans | 385.9649% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.2319% | 4,563 |
| Noncurrent loans to loans | 0.1682% | 4,771 |
| Net loans and leases to total assets | 62.3604% | 3,583 |
| Net loans and leases to deposits | 77.5679% | 3,203 |
| Net loans and leases to core deposits | 81.5896% | 3,309 |
| Total domestic deposits to total assets | 80.3946% | 4,454 |
| Equity capital to assets | 9.0166% | 5,224 |
| Core capital (leverage) ratio | 8.6058% | 5,260 |
| Tier 1 risk-based capital ratio | 12.9775% | 4,215 |
| Total risk-based capital ratio | 13.5764% | 4,550 |
| Memoranda: | ||
| Average total assets | $221,533,000 | 2,764 |
| Average earning assets | $205,616,000 | 2,755 |
| Average equity | $18,863,670 | 3,319 |
| Average total loans | $135,510,330 | 2,850 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4878% | 1,543 |
| Cost of funding earning assets | 0.4094% | 2,972 |
| Net interest margin | 4.0784% | 1,399 |
| Noninterest income to average assets | 0.9559% | 1,171 |
| Noninterest expense to average assets | 3.7825% | 795 |
| Loan and lease loss provision to assets | 0.1070% | 1,919 |
| Net operating income to assets | 0.8453% | 3,008 |
| Return on assets (ROA) | 0.8453% | 3,137 |
| Pretax return on assets | 0.8507% | 4,030 |
| Return on Equity (ROE) | 10.2172% | 1,894 |
| Retained earnings to average equity (ytd only) | 10.2172% | 804 |
| Net charge-offs to loans | 0.1181% | 1,412 |
| Credit loss provision to net charge-offs | 150.0000% | 1,273 |
| Earnings coverage of net charge-offs (x) | 13.4250% | 1,737 |
| Efficiency ratio | 79.7592% | 1,640 |
| Assets per employee ($millions) | 3.1154% | 5,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6283% | 5,708 |
| Loan loss allowance to noncurrent loans | 1,656.8627% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.1449% | 4,996 |
| Noncurrent loans to loans | 0.0379% | 5,343 |
| Net loans and leases to total assets | 59.5791% | 3,838 |
| Net loans and leases to deposits | 73.1593% | 3,533 |
| Net loans and leases to core deposits | 76.7538% | 3,606 |
| Total domestic deposits to total assets | 81.4375% | 4,367 |
| Equity capital to assets | 8.4084% | 5,629 |
| Core capital (leverage) ratio | 8.2985% | 5,571 |
| Tier 1 risk-based capital ratio | 12.8118% | 4,389 |
| Total risk-based capital ratio | 13.3971% | 4,715 |
| Memoranda: | ||
| Average total assets | $224,293,500 | 2,746 |
| Average earning assets | $208,119,000 | 2,740 |
| Average equity | $18,557,000 | 3,361 |
| Average total loans | $135,472,500 | 2,855 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3798% | 1,968 |
| Cost of funding earning assets | 0.4293% | 2,854 |
| Net interest margin | 3.9505% | 1,866 |
| Noninterest income to average assets | 1.2382% | 781 |
| Noninterest expense to average assets | 3.8788% | 779 |
| Loan and lease loss provision to assets | 0.1205% | 1,991 |
| Net operating income to assets | 0.9187% | 2,764 |
| Return on assets (ROA) | 0.9187% | 2,852 |
| Pretax return on assets | 0.9241% | 3,754 |
| Return on Equity (ROE) | 11.0580% | 1,593 |
| Retained earnings to average equity (ytd only) | 4.3772% | 2,861 |
| Net charge-offs to loans | 0.1764% | 1,623 |
| Credit loss provision to net charge-offs | 110.4167% | 2,287 |
| Earnings coverage of net charge-offs (x) | 9.5750% | 2,808 |
| Efficiency ratio | 78.7370% | 1,853 |
| Assets per employee ($millions) | 3.0723% | 5,455 |
| Cash dividends to net income (ytd only)* | 60.4156% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6046% | 5,792 |
| Loan loss allowance to noncurrent loans | 188.7872% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.2836% | 4,449 |
| Noncurrent loans to loans | 0.3202% | 4,310 |
| Net loans and leases to total assets | 60.4758% | 3,766 |
| Net loans and leases to deposits | 74.4584% | 3,442 |
| Net loans and leases to core deposits | 78.1317% | 3,538 |
| Total domestic deposits to total assets | 81.2208% | 4,420 |
| Equity capital to assets | 8.1387% | 5,787 |
| Core capital (leverage) ratio | 8.3022% | 5,603 |
| Tier 1 risk-based capital ratio | 11.6438% | 5,164 |
| Total risk-based capital ratio | 12.1767% | 5,470 |
| Memoranda: | ||
| Average total assets | $219,988,400 | 2,743 |
| Average earning assets | $205,216,600 | 2,727 |
| Average equity | $18,276,400 | 3,343 |
| Average total loans | $136,041,000 | 2,782 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3823% | 1,976 |
| Cost of funding earning assets | 0.4377% | 2,825 |
| Net interest margin | 3.9446% | 1,887 |
| Noninterest income to average assets | 1.2619% | 760 |
| Noninterest expense to average assets | 3.9210% | 726 |
| Loan and lease loss provision to assets | 0.1096% | 2,051 |
| Net operating income to assets | 0.9142% | 2,895 |
| Return on assets (ROA) | 0.9142% | 2,982 |
| Pretax return on assets | 0.9197% | 3,914 |
| Return on Equity (ROE) | 10.9466% | 1,728 |
| Retained earnings to average equity (ytd only) | 10.9466% | 485 |
| Net charge-offs to loans | 0.0304% | 3,323 |
| Credit loss provision to net charge-offs | 580.6452% | 586 |
| Earnings coverage of net charge-offs (x) | 54.5192% | 986 |
| Efficiency ratio | 79.1585% | 1,779 |
| Assets per employee ($millions) | 3.0342% | 5,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7058% | 5,719 |
| Loan loss allowance to noncurrent loans | 154.0584% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.3731% | 4,275 |
| Noncurrent loans to loans | 0.4581% | 3,986 |
| Net loans and leases to total assets | 61.1125% | 3,719 |
| Net loans and leases to deposits | 76.0325% | 3,300 |
| Net loans and leases to core deposits | 80.0901% | 3,419 |
| Total domestic deposits to total assets | 80.3768% | 4,646 |
| Equity capital to assets | 8.7457% | 5,540 |
| Core capital (leverage) ratio | 8.6193% | 5,443 |
| Tier 1 risk-based capital ratio | 12.5987% | 4,681 |
| Total risk-based capital ratio | 13.2372% | 5,012 |
| Memoranda: | ||
| Average total assets | $218,916,750 | 2,781 |
| Average earning assets | $204,695,750 | 2,743 |
| Average equity | $18,282,250 | 3,369 |
| Average total loans | $135,937,000 | 2,799 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3678% | 1,954 |
| Cost of funding earning assets | 0.4479% | 2,755 |
| Net interest margin | 3.9199% | 1,909 |
| Noninterest income to average assets | 1.1978% | 843 |
| Noninterest expense to average assets | 3.9011% | 765 |
| Loan and lease loss provision to assets | 0.1096% | 2,004 |
| Net operating income to assets | 0.8490% | 3,130 |
| Return on assets (ROA) | 0.8490% | 3,231 |
| Pretax return on assets | 0.8545% | 4,112 |
| Return on Equity (ROE) | 10.3289% | 1,924 |
| Retained earnings to average equity (ytd only) | 10.3289% | 615 |
| Net charge-offs to loans | 0.0454% | 2,788 |
| Credit loss provision to net charge-offs | 387.0968% | 762 |
| Earnings coverage of net charge-offs (x) | 34.0645% | 1,253 |
| Efficiency ratio | 80.1276% | 1,737 |
| Assets per employee ($millions) | 2.8876% | 5,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6520% | 5,894 |
| Loan loss allowance to noncurrent loans | 124.1620% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.4183% | 4,235 |
| Noncurrent loans to loans | 0.5251% | 3,882 |
| Net loans and leases to total assets | 61.7249% | 3,594 |
| Net loans and leases to deposits | 76.1840% | 3,248 |
| Net loans and leases to core deposits | 79.7995% | 3,413 |
| Total domestic deposits to total assets | 81.0208% | 4,614 |
| Equity capital to assets | 8.4074% | 5,752 |
| Core capital (leverage) ratio | 8.2089% | 5,785 |
| Tier 1 risk-based capital ratio | 12.1293% | 5,060 |
| Total risk-based capital ratio | 12.7233% | 5,401 |
| Memoranda: | ||
| Average total assets | $219,068,670 | 2,795 |
| Average earning assets | $204,953,670 | 2,757 |
| Average equity | $18,007,670 | 3,421 |
| Average total loans | $136,430,670 | 2,803 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3592% | 1,908 |
| Cost of funding earning assets | 0.4547% | 2,722 |
| Net interest margin | 3.9045% | 1,884 |
| Noninterest income to average assets | 1.1203% | 900 |
| Noninterest expense to average assets | 3.8817% | 792 |
| Loan and lease loss provision to assets | 0.1097% | 1,879 |
| Net operating income to assets | 0.7639% | 3,461 |
| Return on assets (ROA) | 0.7639% | 3,594 |
| Pretax return on assets | 0.7694% | 4,353 |
| Return on Equity (ROE) | 9.4007% | 2,267 |
| Retained earnings to average equity (ytd only) | 9.4007% | 1,071 |
| Net charge-offs to loans | 0.0029% | 3,222 |
| Credit loss provision to net charge-offs | 6,000.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 481.0000% | 114 |
| Efficiency ratio | 81.4971% | 1,684 |
| Assets per employee ($millions) | 2.9890% | 5,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6278% | 6,022 |
| Loan loss allowance to noncurrent loans | 126.1380% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 4,432 |
| Noncurrent loans to loans | 0.4977% | 4,087 |
| Net loans and leases to total assets | 61.4693% | 3,455 |
| Net loans and leases to deposits | 74.4871% | 3,239 |
| Net loans and leases to core deposits | 77.9241% | 3,387 |
| Total domestic deposits to total assets | 82.5234% | 4,344 |
| Equity capital to assets | 8.1682% | 5,954 |
| Core capital (leverage) ratio | 8.0084% | 5,940 |
| Tier 1 risk-based capital ratio | 10.7843% | 5,901 |
| Total risk-based capital ratio | 11.3094% | 6,109 |
| Memoranda: | ||
| Average total assets | $218,872,500 | 2,812 |
| Average earning assets | $204,073,500 | 2,792 |
| Average equity | $17,786,000 | 3,481 |
| Average total loans | $136,470,500 | 2,797 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4947% | 1,891 |
| Cost of funding earning assets | 0.4819% | 2,858 |
| Net interest margin | 4.0128% | 1,864 |
| Noninterest income to average assets | 1.2401% | 787 |
| Noninterest expense to average assets | 4.0517% | 710 |
| Loan and lease loss provision to assets | 0.1018% | 2,454 |
| Net operating income to assets | 0.8083% | 3,332 |
| Return on assets (ROA) | 0.8083% | 3,420 |
| Pretax return on assets | 0.8141% | 4,209 |
| Return on Equity (ROE) | 9.6207% | 2,285 |
| Retained earnings to average equity (ytd only) | 2.6410% | 4,363 |
| Net charge-offs to loans | 0.1259% | 2,768 |
| Credit loss provision to net charge-offs | 130.8642% | 1,823 |
| Earnings coverage of net charge-offs (x) | 11.7716% | 2,454 |
| Efficiency ratio | 81.4561% | 1,718 |
| Assets per employee ($millions) | 2.9265% | 5,792 |
| Cash dividends to net income (ytd only)* | 72.5490% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5877% | 6,156 |
| Loan loss allowance to noncurrent loans | 135.8234% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.3653% | 4,608 |
| Noncurrent loans to loans | 0.4327% | 4,347 |
| Net loans and leases to total assets | 62.4867% | 3,442 |
| Net loans and leases to deposits | 76.3252% | 3,164 |
| Net loans and leases to core deposits | 80.1160% | 3,287 |
| Total domestic deposits to total assets | 81.8691% | 4,468 |
| Equity capital to assets | 8.0833% | 6,018 |
| Core capital (leverage) ratio | 8.1071% | 5,926 |
| Tier 1 risk-based capital ratio | 12.0894% | 5,302 |
| Total risk-based capital ratio | 12.6509% | 5,638 |
| Memoranda: | ||
| Average total assets | $208,211,400 | 2,897 |
| Average earning assets | $193,407,200 | 2,875 |
| Average equity | $17,493,600 | 3,456 |
| Average total loans | $128,632,200 | 2,892 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4405% | 2,084 |
| Cost of funding earning assets | 0.4853% | 2,904 |
| Net interest margin | 3.9552% | 2,016 |
| Noninterest income to average assets | 1.2691% | 753 |
| Noninterest expense to average assets | 4.0900% | 695 |
| Loan and lease loss provision to assets | 0.0873% | 2,606 |
| Net operating income to assets | 0.7710% | 3,559 |
| Return on assets (ROA) | 0.7710% | 3,668 |
| Pretax return on assets | 0.7769% | 4,441 |
| Return on Equity (ROE) | 9.0865% | 2,635 |
| Retained earnings to average equity (ytd only) | 9.0865% | 964 |
| Net charge-offs to loans | 0.1704% | 2,092 |
| Credit loss provision to net charge-offs | 83.3333% | 2,531 |
| Earnings coverage of net charge-offs (x) | 8.2471% | 2,832 |
| Efficiency ratio | 82.4259% | 1,561 |
| Assets per employee ($millions) | 2.8516% | 5,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5506% | 6,283 |
| Loan loss allowance to noncurrent loans | 223.8390% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.3194% | 4,994 |
| Noncurrent loans to loans | 0.2460% | 5,161 |
| Net loans and leases to total assets | 61.8892% | 3,500 |
| Net loans and leases to deposits | 76.8020% | 3,093 |
| Net loans and leases to core deposits | 80.7851% | 3,215 |
| Total domestic deposits to total assets | 80.5828% | 4,944 |
| Equity capital to assets | 8.5964% | 5,727 |
| Core capital (leverage) ratio | 8.6294% | 5,524 |
| Tier 1 risk-based capital ratio | 12.4687% | 5,190 |
| Total risk-based capital ratio | 12.9709% | 5,582 |
| Memoranda: | ||
| Average total assets | $206,124,750 | 2,945 |
| Average earning assets | $192,047,000 | 2,912 |
| Average equity | $17,490,750 | 3,471 |
| Average total loans | $126,760,250 | 2,940 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4265% | 2,077 |
| Cost of funding earning assets | 0.4911% | 2,918 |
| Net interest margin | 3.9354% | 2,027 |
| Noninterest income to average assets | 1.2411% | 761 |
| Noninterest expense to average assets | 4.0745% | 700 |
| Loan and lease loss provision to assets | 0.0880% | 2,559 |
| Net operating income to assets | 0.7404% | 3,620 |
| Return on assets (ROA) | 0.7404% | 3,719 |
| Pretax return on assets | 0.7462% | 4,474 |
| Return on Equity (ROE) | 8.7644% | 2,709 |
| Retained earnings to average equity (ytd only) | 8.7644% | 1,059 |
| Net charge-offs to loans | 0.1741% | 1,999 |
| Credit loss provision to net charge-offs | 82.5688% | 2,301 |
| Earnings coverage of net charge-offs (x) | 7.8257% | 2,572 |
| Efficiency ratio | 82.8452% | 1,649 |
| Assets per employee ($millions) | 2.7751% | 6,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5790% | 6,337 |
| Loan loss allowance to noncurrent loans | 116.5869% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.4586% | 4,624 |
| Noncurrent loans to loans | 0.4966% | 4,505 |
| Net loans and leases to total assets | 61.9580% | 3,416 |
| Net loans and leases to deposits | 76.2780% | 3,020 |
| Net loans and leases to core deposits | 80.0695% | 3,206 |
| Total domestic deposits to total assets | 81.2266% | 4,911 |
| Equity capital to assets | 8.7692% | 5,549 |
| Core capital (leverage) ratio | 8.5283% | 5,609 |
| Tier 1 risk-based capital ratio | 12.6198% | 5,142 |
| Total risk-based capital ratio | 13.1463% | 5,518 |
| Memoranda: | ||
| Average total assets | $204,493,330 | 2,975 |
| Average earning assets | $190,578,000 | 2,942 |
| Average equity | $17,274,330 | 3,505 |
| Average total loans | $125,240,000 | 2,966 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4136% | 2,089 |
| Cost of funding earning assets | 0.4923% | 2,988 |
| Net interest margin | 3.9213% | 2,011 |
| Noninterest income to average assets | 1.1526% | 838 |
| Noninterest expense to average assets | 4.0069% | 752 |
| Loan and lease loss provision to assets | 0.0876% | 2,455 |
| Net operating income to assets | 0.6814% | 3,778 |
| Return on assets (ROA) | 0.6814% | 3,857 |
| Pretax return on assets | 0.6873% | 4,530 |
| Return on Equity (ROE) | 8.2213% | 2,829 |
| Retained earnings to average equity (ytd only) | 8.2213% | 1,525 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5912% | 1,717 |
| Assets per employee ($millions) | 2.7582% | 6,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6405% | 6,359 |
| Loan loss allowance to noncurrent loans | 86.7904% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 0.5414% | 4,520 |
| Noncurrent loans to loans | 0.7380% | 4,016 |
| Net loans and leases to total assets | 59.6180% | 3,619 |
| Net loans and leases to deposits | 73.0109% | 3,200 |
| Net loans and leases to core deposits | 76.4197% | 3,371 |
| Total domestic deposits to total assets | 81.6563% | 5,040 |
| Equity capital to assets | 8.3353% | 5,796 |
| Core capital (leverage) ratio | 8.2920% | 5,854 |
| Tier 1 risk-based capital ratio | 12.5808% | 5,269 |
| Total risk-based capital ratio | 13.1653% | 5,623 |
| Memoranda: | ||
| Average total assets | $205,448,000 | 2,994 |
| Average earning assets | $190,141,000 | 2,970 |
| Average equity | $17,029,000 | 3,547 |
| Average total loans | $124,736,000 | 2,977 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3443% | 2,795 |
| Cost of funding earning assets | 0.5015% | 3,594 |
| Net interest margin | 3.8429% | 2,489 |
| Noninterest income to average assets | 1.2951% | 830 |
| Noninterest expense to average assets | 4.0649% | 806 |
| Loan and lease loss provision to assets | 0.0913% | 3,279 |
| Net operating income to assets | 0.6947% | 3,816 |
| Return on assets (ROA) | 0.6986% | 3,893 |
| Pretax return on assets | 0.7045% | 4,525 |
| Return on Equity (ROE) | 8.1762% | 2,941 |
| Retained earnings to average equity (ytd only) | 1.1260% | 5,322 |
| Net charge-offs to loans | 0.0879% | 3,977 |
| Credit loss provision to net charge-offs | 176.1905% | 1,299 |
| Earnings coverage of net charge-offs (x) | 15.2857% | 1,881 |
| Efficiency ratio | 83.2284% | 1,721 |
| Assets per employee ($millions) | 2.7204% | 6,196 |
| Cash dividends to net income (ytd only)* | 86.2288% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5983% | 6,475 |
| Loan loss allowance to noncurrent loans | 86.9061% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 0.5235% | 4,674 |
| Noncurrent loans to loans | 0.6885% | 4,251 |
| Net loans and leases to total assets | 61.0683% | 3,522 |
| Net loans and leases to deposits | 74.8555% | 3,124 |
| Net loans and leases to core deposits | 78.1133% | 3,344 |
| Total domestic deposits to total assets | 81.5815% | 5,012 |
| Equity capital to assets | 8.2415% | 5,832 |
| Core capital (leverage) ratio | 8.5560% | 5,603 |
| Tier 1 risk-based capital ratio | 11.9496% | 5,643 |
| Total risk-based capital ratio | 12.4843% | 6,004 |
| Memoranda: | ||
| Average total assets | $202,688,600 | 3,004 |
| Average earning assets | $187,854,600 | 2,984 |
| Average equity | $17,318,600 | 3,516 |
| Average total loans | $119,460,600 | 3,050 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3022% | 2,987 |
| Cost of funding earning assets | 0.5037% | 3,735 |
| Net interest margin | 3.7985% | 2,645 |
| Noninterest income to average assets | 1.3092% | 867 |
| Noninterest expense to average assets | 4.0773% | 789 |
| Loan and lease loss provision to assets | 0.0890% | 3,279 |
| Net operating income to assets | 0.6649% | 4,041 |
| Return on assets (ROA) | 0.6701% | 4,155 |
| Pretax return on assets | 0.6760% | 4,765 |
| Return on Equity (ROE) | 7.7731% | 3,249 |
| Retained earnings to average equity (ytd only) | 7.7731% | 1,515 |
| Net charge-offs to loans | -0.0633% | 6,377 |
| Credit loss provision to net charge-offs | -241.0714% | 5,932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7352% | 1,637 |
| Assets per employee ($millions) | 2.5984% | 6,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7131% | 6,422 |
| Loan loss allowance to noncurrent loans | 85.3320% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 0.5109% | 4,918 |
| Noncurrent loans to loans | 0.8357% | 4,162 |
| Net loans and leases to total assets | 60.7053% | 3,578 |
| Net loans and leases to deposits | 76.2511% | 2,926 |
| Net loans and leases to core deposits | 80.1415% | 3,117 |
| Total domestic deposits to total assets | 79.6123% | 5,604 |
| Equity capital to assets | 8.9674% | 5,224 |
| Core capital (leverage) ratio | 8.9175% | 5,242 |
| Tier 1 risk-based capital ratio | 13.1252% | 5,034 |
| Total risk-based capital ratio | 13.7679% | 5,392 |
| Memoranda: | ||
| Average total assets | $202,353,500 | 3,031 |
| Average earning assets | $187,931,250 | 3,010 |
| Average equity | $17,444,500 | 3,538 |
| Average total loans | $117,989,000 | 3,098 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2495% | 3,155 |
| Cost of funding earning assets | 0.4979% | 3,920 |
| Net interest margin | 3.7516% | 2,757 |
| Noninterest income to average assets | 1.2550% | 987 |
| Noninterest expense to average assets | 4.0171% | 843 |
| Loan and lease loss provision to assets | 0.0882% | 3,315 |
| Net operating income to assets | 0.6237% | 4,182 |
| Return on assets (ROA) | 0.6314% | 4,298 |
| Pretax return on assets | 0.6373% | 4,885 |
| Return on Equity (ROE) | 7.4209% | 3,383 |
| Retained earnings to average equity (ytd only) | 7.4209% | 1,704 |
| Net charge-offs to loans | -0.0940% | 6,487 |
| Credit loss provision to net charge-offs | -163.6364% | 5,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1168% | 1,620 |
| Assets per employee ($millions) | 2.6512% | 6,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6880% | 6,512 |
| Loan loss allowance to noncurrent loans | 59.1437% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 0.8685% | 4,071 |
| Noncurrent loans to loans | 1.1633% | 3,615 |
| Net loans and leases to total assets | 59.1655% | 3,803 |
| Net loans and leases to deposits | 74.3148% | 3,103 |
| Net loans and leases to core deposits | 77.0184% | 3,421 |
| Total domestic deposits to total assets | 79.6147% | 5,687 |
| Equity capital to assets | 8.7483% | 5,489 |
| Core capital (leverage) ratio | 8.6262% | 5,526 |
| Tier 1 risk-based capital ratio | 12.8685% | 5,245 |
| Total risk-based capital ratio | 13.4779% | 5,605 |
| Memoranda: | ||
| Average total assets | $203,977,330 | 3,017 |
| Average earning assets | $189,197,330 | 3,001 |
| Average equity | $17,356,330 | 3,567 |
| Average total loans | $117,071,000 | 3,124 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1729% | 3,416 |
| Cost of funding earning assets | 0.4914% | 4,163 |
| Net interest margin | 3.6815% | 2,941 |
| Noninterest income to average assets | 1.2724% | 945 |
| Noninterest expense to average assets | 4.0068% | 881 |
| Loan and lease loss provision to assets | 0.0871% | 3,210 |
| Net operating income to assets | 0.5966% | 4,233 |
| Return on assets (ROA) | 0.6120% | 4,317 |
| Pretax return on assets | 0.6178% | 4,881 |
| Return on Equity (ROE) | 7.2908% | 3,331 |
| Retained earnings to average equity (ytd only) | 7.2908% | 2,031 |
| Net charge-offs to loans | -0.0034% | 5,212 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0825% | 1,756 |
| Assets per employee ($millions) | 2.7656% | 6,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6152% | 6,686 |
| Loan loss allowance to noncurrent loans | 53.9157% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 0.8802% | 4,184 |
| Noncurrent loans to loans | 1.1411% | 3,876 |
| Net loans and leases to total assets | 57.2923% | 3,868 |
| Net loans and leases to deposits | 71.1724% | 3,297 |
| Net loans and leases to core deposits | 73.6894% | 3,618 |
| Total domestic deposits to total assets | 80.4979% | 5,634 |
| Equity capital to assets | 8.6482% | 5,861 |
| Core capital (leverage) ratio | 8.3656% | 5,749 |
| Tier 1 risk-based capital ratio | 12.9370% | 5,274 |
| Total risk-based capital ratio | 13.4856% | 5,726 |
| Memoranda: | ||
| Average total assets | $206,546,500 | 3,020 |
| Average earning assets | $192,097,500 | 2,986 |
| Average equity | $17,337,000 | 3,610 |
| Average total loans | $116,377,000 | 3,152 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9879% | 5,347 |
| Cost of funding earning assets | 0.5170% | 5,099 |
| Net interest margin | 3.4709% | 4,624 |
| Noninterest income to average assets | 1.2866% | 935 |
| Noninterest expense to average assets | 3.8104% | 1,236 |
| Loan and lease loss provision to assets | 0.0873% | 4,605 |
| Net operating income to assets | 0.6212% | 4,135 |
| Return on assets (ROA) | 0.6212% | 4,399 |
| Pretax return on assets | 0.6269% | 4,905 |
| Return on Equity (ROE) | 7.4929% | 3,342 |
| Retained earnings to average equity (ytd only) | 0.2631% | 5,725 |
| Net charge-offs to loans | 0.1683% | 4,032 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 8.1848% | 2,459 |
| Efficiency ratio | 83.9115% | 1,643 |
| Assets per employee ($millions) | 2.7077% | 6,420 |
| Cash dividends to net income (ytd only)* | 96.4885% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5757% | 6,790 |
| Loan loss allowance to noncurrent loans | 56.4448% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 0.7936% | 4,482 |
| Noncurrent loans to loans | 1.0200% | 4,164 |
| Net loans and leases to total assets | 54.7817% | 4,490 |
| Net loans and leases to deposits | 68.1265% | 3,962 |
| Net loans and leases to core deposits | 70.4170% | 4,246 |
| Total domestic deposits to total assets | 80.4116% | 5,564 |
| Equity capital to assets | 8.1505% | 6,318 |
| Core capital (leverage) ratio | 8.2189% | 5,978 |
| Tier 1 risk-based capital ratio | 12.5351% | 5,446 |
| Total risk-based capital ratio | 13.0420% | 5,881 |
| Memoranda: | ||
| Average total assets | $210,870,600 | 2,913 |
| Average earning assets | $196,720,200 | 2,877 |
| Average equity | $17,483,200 | 3,541 |
| Average total loans | $109,333,000 | 3,311 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9343% | 5,703 |
| Cost of funding earning assets | 0.5246% | 5,278 |
| Net interest margin | 3.4097% | 5,003 |
| Noninterest income to average assets | 1.2322% | 983 |
| Noninterest expense to average assets | 3.7712% | 1,259 |
| Loan and lease loss provision to assets | 0.0854% | 4,538 |
| Net operating income to assets | 0.5560% | 4,598 |
| Return on assets (ROA) | 0.5560% | 4,857 |
| Pretax return on assets | 0.5617% | 5,272 |
| Return on Equity (ROE) | 6.6777% | 3,975 |
| Retained earnings to average equity (ytd only) | 6.6777% | 2,291 |
| Net charge-offs to loans | 0.0731% | 4,679 |
| Credit loss provision to net charge-offs | 228.8136% | 1,207 |
| Earnings coverage of net charge-offs (x) | 17.3401% | 1,630 |
| Efficiency ratio | 85.0251% | 1,473 |
| Assets per employee ($millions) | 2.7367% | 6,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6904% | 6,758 |
| Loan loss allowance to noncurrent loans | 56.4297% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 0.8943% | 4,498 |
| Noncurrent loans to loans | 1.2234% | 4,009 |
| Net loans and leases to total assets | 52.9884% | 4,913 |
| Net loans and leases to deposits | 66.6402% | 4,382 |
| Net loans and leases to core deposits | 68.8927% | 4,626 |
| Total domestic deposits to total assets | 79.5142% | 5,765 |
| Equity capital to assets | 8.9608% | 5,861 |
| Core capital (leverage) ratio | 8.4660% | 5,800 |
| Tier 1 risk-based capital ratio | 14.0005% | 4,519 |
| Total risk-based capital ratio | 14.6008% | 4,948 |
| Memoranda: | ||
| Average total assets | $210,787,750 | 2,947 |
| Average earning assets | $196,964,250 | 2,899 |
| Average equity | $17,550,500 | 3,562 |
| Average total loans | $107,573,750 | 3,378 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9086% | 5,887 |
| Cost of funding earning assets | 0.5350% | 5,405 |
| Net interest margin | 3.3736% | 5,194 |
| Noninterest income to average assets | 1.1173% | 1,143 |
| Noninterest expense to average assets | 3.6704% | 1,430 |
| Loan and lease loss provision to assets | 0.0843% | 4,540 |
| Net operating income to assets | 0.5104% | 4,772 |
| Return on assets (ROA) | 0.5104% | 5,036 |
| Pretax return on assets | 0.5161% | 5,398 |
| Return on Equity (ROE) | 6.2818% | 4,171 |
| Retained earnings to average equity (ytd only) | 6.2818% | 2,514 |
| Net charge-offs to loans | 0.0503% | 4,701 |
| Credit loss provision to net charge-offs | 333.3333% | 881 |
| Earnings coverage of net charge-offs (x) | 23.7407% | 1,243 |
| Efficiency ratio | 85.5921% | 1,469 |
| Assets per employee ($millions) | 2.8165% | 6,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6922% | 6,836 |
| Loan loss allowance to noncurrent loans | 73.2268% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 0.8365% | 4,715 |
| Noncurrent loans to loans | 0.9453% | 4,619 |
| Net loans and leases to total assets | 49.7815% | 5,381 |
| Net loans and leases to deposits | 61.4670% | 5,073 |
| Net loans and leases to core deposits | 63.2258% | 5,282 |
| Total domestic deposits to total assets | 80.9890% | 5,474 |
| Equity capital to assets | 8.3743% | 6,321 |
| Core capital (leverage) ratio | 7.7858% | 6,458 |
| Tier 1 risk-based capital ratio | 15.0772% | 3,721 |
| Total risk-based capital ratio | 15.7247% | 4,085 |
| Memoranda: | ||
| Average total assets | $213,545,000 | 2,939 |
| Average earning assets | $199,611,330 | 2,872 |
| Average equity | $17,351,670 | 3,592 |
| Average total loans | $107,413,000 | 3,392 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9280% | 5,950 |
| Cost of funding earning assets | 0.5406% | 5,552 |
| Net interest margin | 3.3874% | 5,169 |
| Noninterest income to average assets | 1.1011% | 1,167 |
| Noninterest expense to average assets | 3.6777% | 1,414 |
| Loan and lease loss provision to assets | 0.0838% | 4,335 |
| Net operating income to assets | 0.4974% | 4,840 |
| Return on assets (ROA) | 0.4974% | 5,047 |
| Pretax return on assets | 0.5030% | 5,420 |
| Return on Equity (ROE) | 6.2156% | 4,180 |
| Retained earnings to average equity (ytd only) | 6.2156% | 2,834 |
| Net charge-offs to loans | 0.0481% | 4,028 |
| Credit loss provision to net charge-offs | 346.1538% | 879 |
| Earnings coverage of net charge-offs (x) | 24.2308% | 1,064 |
| Efficiency ratio | 85.8453% | 1,500 |
| Assets per employee ($millions) | 2.9734% | 6,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6626% | 6,922 |
| Loan loss allowance to noncurrent loans | 55.2756% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 0.8983% | 4,730 |
| Noncurrent loans to loans | 1.1987% | 4,335 |
| Net loans and leases to total assets | 46.5753% | 5,723 |
| Net loans and leases to deposits | 56.4081% | 5,557 |
| Net loans and leases to core deposits | 57.9705% | 5,717 |
| Total domestic deposits to total assets | 82.5685% | 5,095 |
| Equity capital to assets | 7.6597% | 6,710 |
| Core capital (leverage) ratio | 7.8564% | 6,369 |
| Tier 1 risk-based capital ratio | 14.9827% | 3,775 |
| Total risk-based capital ratio | 15.6092% | 4,177 |
| Memoranda: | ||
| Average total assets | $214,697,000 | 2,947 |
| Average earning assets | $200,508,000 | 2,892 |
| Average equity | $17,182,500 | 3,614 |
| Average total loans | $108,173,500 | 3,403 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4586% | 5,224 |
| Cost of funding earning assets | 0.6531% | 5,808 |
| Net interest margin | 3.8055% | 3,788 |
| Noninterest income to average assets | 1.2158% | 894 |
| Noninterest expense to average assets | 3.9291% | 1,142 |
| Loan and lease loss provision to assets | 0.0911% | 5,451 |
| Net operating income to assets | 0.6517% | 3,733 |
| Return on assets (ROA) | 0.6517% | 3,928 |
| Pretax return on assets | 0.6577% | 4,487 |
| Return on Equity (ROE) | 7.5125% | 3,143 |
| Retained earnings to average equity (ytd only) | 0.2193% | 5,730 |
| Net charge-offs to loans | 0.2226% | 4,389 |
| Credit loss provision to net charge-offs | 73.0924% | 4,731 |
| Earnings coverage of net charge-offs (x) | 6.0080% | 2,621 |
| Efficiency ratio | 83.7257% | 1,797 |
| Assets per employee ($millions) | 2.5749% | 6,757 |
| Cash dividends to net income (ytd only)* | 97.0814% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6069% | 7,009 |
| Loan loss allowance to noncurrent loans | 72.3542% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 0.8269% | 4,976 |
| Noncurrent loans to loans | 0.8388% | 5,010 |
| Net loans and leases to total assets | 53.9411% | 5,047 |
| Net loans and leases to deposits | 66.7433% | 4,630 |
| Net loans and leases to core deposits | 68.9780% | 4,907 |
| Total domestic deposits to total assets | 80.8188% | 5,507 |
| Equity capital to assets | 8.3847% | 6,265 |
| Core capital (leverage) ratio | 8.2090% | 5,982 |
| Tier 1 risk-based capital ratio | 14.0693% | 4,280 |
| Total risk-based capital ratio | 14.6399% | 4,751 |
| Memoranda: | ||
| Average total assets | $199,790,400 | 3,059 |
| Average earning assets | $181,762,400 | 3,067 |
| Average equity | $17,331,000 | 3,528 |
| Average total loans | $111,838,200 | 3,338 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4818% | 5,306 |
| Cost of funding earning assets | 0.6714% | 5,921 |
| Net interest margin | 3.8104% | 3,820 |
| Noninterest income to average assets | 1.1725% | 960 |
| Noninterest expense to average assets | 3.9070% | 1,139 |
| Loan and lease loss provision to assets | 0.0905% | 5,326 |
| Net operating income to assets | 0.6349% | 3,944 |
| Return on assets (ROA) | 0.6349% | 4,128 |
| Pretax return on assets | 0.6409% | 4,683 |
| Return on Equity (ROE) | 7.2567% | 3,398 |
| Retained earnings to average equity (ytd only) | 7.2567% | 1,833 |
| Net charge-offs to loans | 0.1058% | 4,944 |
| Credit loss provision to net charge-offs | 151.6854% | 2,053 |
| Earnings coverage of net charge-offs (x) | 12.2588% | 1,725 |
| Efficiency ratio | 83.8416% | 1,748 |
| Assets per employee ($millions) | 2.6614% | 6,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7121% | 6,944 |
| Loan loss allowance to noncurrent loans | 143.4066% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.5187% | 5,787 |
| Noncurrent loans to loans | 0.4965% | 5,851 |
| Net loans and leases to total assets | 53.2760% | 5,281 |
| Net loans and leases to deposits | 67.1276% | 4,750 |
| Net loans and leases to core deposits | 69.3861% | 5,020 |
| Total domestic deposits to total assets | 79.3652% | 5,897 |
| Equity capital to assets | 8.8405% | 5,934 |
| Core capital (leverage) ratio | 8.4151% | 5,831 |
| Tier 1 risk-based capital ratio | 14.4420% | 4,017 |
| Total risk-based capital ratio | 15.0908% | 4,429 |
| Memoranda: | ||
| Average total assets | $198,883,500 | 3,087 |
| Average earning assets | $180,904,500 | 3,098 |
| Average equity | $17,399,750 | 3,526 |
| Average total loans | $112,198,750 | 3,368 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5168% | 5,303 |
| Cost of funding earning assets | 0.6866% | 6,035 |
| Net interest margin | 3.8302% | 3,645 |
| Noninterest income to average assets | 1.1388% | 1,001 |
| Noninterest expense to average assets | 3.9092% | 1,177 |
| Loan and lease loss provision to assets | 0.0914% | 5,175 |
| Net operating income to assets | 0.6116% | 4,004 |
| Return on assets (ROA) | 0.6116% | 4,132 |
| Pretax return on assets | 0.6177% | 4,683 |
| Return on Equity (ROE) | 7.0160% | 3,442 |
| Retained earnings to average equity (ytd only) | 7.0160% | 1,871 |
| Net charge-offs to loans | 0.1293% | 4,444 |
| Credit loss provision to net charge-offs | 123.2877% | 2,469 |
| Earnings coverage of net charge-offs (x) | 9.5616% | 1,909 |
| Efficiency ratio | 84.2719% | 1,787 |
| Assets per employee ($millions) | 2.6045% | 6,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6703% | 7,055 |
| Loan loss allowance to noncurrent loans | 140.6716% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.5150% | 5,885 |
| Noncurrent loans to loans | 0.4765% | 5,952 |
| Net loans and leases to total assets | 53.6221% | 5,347 |
| Net loans and leases to deposits | 66.4198% | 4,935 |
| Net loans and leases to core deposits | 68.8821% | 5,202 |
| Total domestic deposits to total assets | 80.7322% | 5,612 |
| Equity capital to assets | 8.4048% | 6,300 |
| Core capital (leverage) ratio | 8.1524% | 6,093 |
| Tier 1 risk-based capital ratio | 14.0383% | 4,149 |
| Total risk-based capital ratio | 14.6578% | 4,592 |
| Memoranda: | ||
| Average total assets | $196,867,670 | 3,128 |
| Average earning assets | $178,843,000 | 3,150 |
| Average equity | $17,160,670 | 3,545 |
| Average total loans | $112,944,330 | 3,389 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6431% | 4,770 |
| Cost of funding earning assets | 0.7163% | 6,049 |
| Net interest margin | 3.9268% | 3,018 |
| Noninterest income to average assets | 1.1846% | 917 |
| Noninterest expense to average assets | 4.0205% | 1,010 |
| Loan and lease loss provision to assets | 0.0942% | 4,836 |
| Net operating income to assets | 0.6321% | 3,856 |
| Return on assets (ROA) | 0.6321% | 3,925 |
| Pretax return on assets | 0.6383% | 4,540 |
| Return on Equity (ROE) | 7.1122% | 3,325 |
| Retained earnings to average equity (ytd only) | 7.1122% | 2,098 |
| Net charge-offs to loans | 0.1732% | 3,451 |
| Credit loss provision to net charge-offs | 91.8367% | 2,910 |
| Earnings coverage of net charge-offs (x) | 7.1429% | 1,993 |
| Efficiency ratio | 84.1920% | 1,934 |
| Assets per employee ($millions) | 2.6715% | 6,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6623% | 7,125 |
| Loan loss allowance to noncurrent loans | 177.0531% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.4454% | 6,094 |
| Noncurrent loans to loans | 0.3741% | 6,251 |
| Net loans and leases to total assets | 51.4421% | 5,656 |
| Net loans and leases to deposits | 63.3392% | 5,343 |
| Net loans and leases to core deposits | 65.2186% | 5,603 |
| Total domestic deposits to total assets | 81.2168% | 5,602 |
| Equity capital to assets | 8.0218% | 6,472 |
| Core capital (leverage) ratio | 9.2943% | 4,129 |
| Tier 1 risk-based capital ratio | 13.5897% | 4,366 |
| Total risk-based capital ratio | 14.1831% | 4,861 |
| Memoranda: | ||
| Average total assets | $191,122,500 | 3,233 |
| Average earning assets | $173,676,500 | 3,239 |
| Average equity | $16,985,000 | 3,566 |
| Average total loans | $113,176,500 | 3,411 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7195% | 1,499 |
| Cost of funding earning assets | 0.8731% | 6,284 |
| Net interest margin | 4.8464% | 612 |
| Noninterest income to average assets | 1.5454% | 616 |
| Noninterest expense to average assets | 4.7283% | 533 |
| Loan and lease loss provision to assets | 0.1083% | 6,065 |
| Net operating income to assets | 1.1159% | 1,656 |
| Return on assets (ROA) | 1.1159% | 1,737 |
| Pretax return on assets | 1.1231% | 2,489 |
| Return on Equity (ROE) | 10.8287% | 1,633 |
| Retained earnings to average equity (ytd only) | 3.2165% | 3,615 |
| Net charge-offs to loans | 0.0631% | 6,161 |
| Credit loss provision to net charge-offs | 246.5753% | 1,163 |
| Earnings coverage of net charge-offs (x) | 28.0411% | 778 |
| Efficiency ratio | 78.7423% | 2,570 |
| Assets per employee ($millions) | 2.0304% | 7,404 |
| Cash dividends to net income (ytd only)* | 70.2965% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6371% | 7,217 |
| Loan loss allowance to noncurrent loans | 314.9573% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.5050% | 6,017 |
| Noncurrent loans to loans | 0.2023% | 6,660 |
| Net loans and leases to total assets | 68.2039% | 2,932 |
| Net loans and leases to deposits | 87.9528% | 1,797 |
| Net loans and leases to core deposits | 92.1216% | 2,488 |
| Total domestic deposits to total assets | 77.5460% | 6,393 |
| Equity capital to assets | 9.9842% | 3,758 |
| Core capital (leverage) ratio | 9.9810% | 3,118 |
| Tier 1 risk-based capital ratio | 13.2533% | 4,407 |
| Total risk-based capital ratio | 13.8459% | 4,927 |
| Memoranda: | ||
| Average total assets | $166,231,400 | 3,605 |
| Average earning assets | $151,412,400 | 3,613 |
| Average equity | $17,130,400 | 3,572 |
| Average total loans | $115,633,000 | 3,412 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7381% | 1,583 |
| Cost of funding earning assets | 0.8797% | 6,475 |
| Net interest margin | 4.8584% | 596 |
| Noninterest income to average assets | 1.4769% | 622 |
| Noninterest expense to average assets | 4.6915% | 496 |
| Loan and lease loss provision to assets | 0.1087% | 5,947 |
| Net operating income to assets | 1.1010% | 1,881 |
| Return on assets (ROA) | 1.1010% | 1,988 |
| Pretax return on assets | 1.1083% | 2,799 |
| Return on Equity (ROE) | 10.6004% | 1,904 |
| Retained earnings to average equity (ytd only) | 10.6004% | 668 |
| Net charge-offs to loans | 0.0957% | 5,576 |
| Credit loss provision to net charge-offs | 162.6506% | 2,314 |
| Earnings coverage of net charge-offs (x) | 18.2175% | 1,277 |
| Efficiency ratio | 78.8040% | 2,517 |
| Assets per employee ($millions) | 2.0981% | 7,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5778% | 7,378 |
| Loan loss allowance to noncurrent loans | 239.2982% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.5183% | 6,131 |
| Noncurrent loans to loans | 0.2415% | 6,687 |
| Net loans and leases to total assets | 69.9137% | 2,749 |
| Net loans and leases to deposits | 92.3308% | 1,403 |
| Net loans and leases to core deposits | 99.4045% | 1,901 |
| Total domestic deposits to total assets | 75.7209% | 6,703 |
| Equity capital to assets | 10.6790% | 3,314 |
| Core capital (leverage) ratio | 10.2248% | 3,013 |
| Tier 1 risk-based capital ratio | 14.1075% | 3,758 |
| Total risk-based capital ratio | 14.6636% | 4,223 |
| Memoranda: | ||
| Average total assets | $165,657,500 | 3,659 |
| Average earning assets | $151,102,500 | 3,667 |
| Average equity | $17,206,500 | 3,607 |
| Average total loans | $115,621,500 | 3,460 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8605% | 1,278 |
| Cost of funding earning assets | 0.8763% | 6,666 |
| Net interest margin | 4.9842% | 435 |
| Noninterest income to average assets | 1.3739% | 664 |
| Noninterest expense to average assets | 4.6287% | 510 |
| Loan and lease loss provision to assets | 0.1091% | 5,818 |
| Net operating income to assets | 1.1605% | 1,673 |
| Return on assets (ROA) | 1.1605% | 1,732 |
| Pretax return on assets | 1.1678% | 2,523 |
| Return on Equity (ROE) | 11.2805% | 1,657 |
| Retained earnings to average equity (ytd only) | 11.2805% | 598 |
| Net charge-offs to loans | 0.0610% | 5,539 |
| Credit loss provision to net charge-offs | 257.1429% | 1,480 |
| Earnings coverage of net charge-offs (x) | 30.0857% | 921 |
| Efficiency ratio | 77.7823% | 2,762 |
| Assets per employee ($millions) | 2.0724% | 7,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6023% | 7,412 |
| Loan loss allowance to noncurrent loans | 475.6944% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.3999% | 6,440 |
| Noncurrent loans to loans | 0.1266% | 7,013 |
| Net loans and leases to total assets | 68.1909% | 3,317 |
| Net loans and leases to deposits | 90.2044% | 1,820 |
| Net loans and leases to core deposits | 94.8050% | 2,602 |
| Total domestic deposits to total assets | 75.5959% | 6,763 |
| Equity capital to assets | 10.5566% | 3,339 |
| Core capital (leverage) ratio | 10.2950% | 2,830 |
| Tier 1 risk-based capital ratio | 14.0491% | 3,689 |
| Total risk-based capital ratio | 14.6189% | 4,121 |
| Memoranda: | ||
| Average total assets | $164,928,670 | 3,692 |
| Average earning assets | $149,953,000 | 3,707 |
| Average equity | $16,967,330 | 3,638 |
| Average total loans | $114,819,330 | 3,515 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8210% | 1,398 |
| Cost of funding earning assets | 0.8783% | 6,848 |
| Net interest margin | 4.9426% | 471 |
| Noninterest income to average assets | 1.3374% | 671 |
| Noninterest expense to average assets | 4.5812% | 526 |
| Loan and lease loss provision to assets | 0.1094% | 5,528 |
| Net operating income to assets | 1.1550% | 1,667 |
| Return on assets (ROA) | 1.1550% | 1,745 |
| Pretax return on assets | 1.1623% | 2,501 |
| Return on Equity (ROE) | 11.3772% | 1,677 |
| Retained earnings to average equity (ytd only) | 11.3772% | 850 |
| Net charge-offs to loans | 0.0451% | 4,965 |
| Credit loss provision to net charge-offs | 346.1538% | 1,166 |
| Earnings coverage of net charge-offs (x) | 40.2308% | 683 |
| Efficiency ratio | 77.7316% | 2,942 |
| Assets per employee ($millions) | 2.0425% | 7,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5838% | 7,521 |
| Loan loss allowance to noncurrent loans | 158.7530% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.5728% | 6,067 |
| Noncurrent loans to loans | 0.3677% | 6,565 |
| Net loans and leases to total assets | 68.9926% | 3,155 |
| Net loans and leases to deposits | 93.9788% | 1,354 |
| Net loans and leases to core deposits | 99.8521% | 2,148 |
| Total domestic deposits to total assets | 73.4130% | 7,121 |
| Equity capital to assets | 10.4037% | 3,337 |
| Core capital (leverage) ratio | 10.1475% | 2,986 |
| Tier 1 risk-based capital ratio | 13.9459% | 3,695 |
| Total risk-based capital ratio | 14.5087% | 4,103 |
| Memoranda: | ||
| Average total assets | $164,497,000 | 3,755 |
| Average earning assets | $150,284,000 | 3,749 |
| Average equity | $16,700,000 | 3,718 |
| Average total loans | $115,359,000 | 3,557 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1612% | 1,342 |
| Cost of funding earning assets | 1.1409% | 6,848 |
| Net interest margin | 5.0204% | 430 |
| Noninterest income to average assets | 1.4667% | 666 |
| Noninterest expense to average assets | 4.6889% | 657 |
| Loan and lease loss provision to assets | 0.0897% | 6,713 |
| Net operating income to assets | 1.2391% | 1,155 |
| Return on assets (ROA) | 1.2391% | 1,209 |
| Pretax return on assets | 1.2462% | 1,834 |
| Return on Equity (ROE) | 12.5316% | 1,047 |
| Retained earnings to average equity (ytd only) | 3.8045% | 2,538 |
| Net charge-offs to loans | 0.0700% | 6,419 |
| Credit loss provision to net charge-offs | 181.9277% | 2,267 |
| Earnings coverage of net charge-offs (x) | 27.0843% | 833 |
| Efficiency ratio | 77.3427% | 3,304 |
| Assets per employee ($millions) | 1.9255% | 7,769 |
| Cash dividends to net income (ytd only)* | 69.6403% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5370% | 7,635 |
| Loan loss allowance to noncurrent loans | 149.2891% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.2548% | 6,817 |
| Noncurrent loans to loans | 0.3597% | 6,556 |
| Net loans and leases to total assets | 70.4688% | 3,138 |
| Net loans and leases to deposits | 95.0097% | 1,456 |
| Net loans and leases to core deposits | 110.2659% | 2,868 |
| Total domestic deposits to total assets | 74.1701% | 6,993 |
| Equity capital to assets | 9.9039% | 3,892 |
| Core capital (leverage) ratio | 9.7831% | 3,347 |
| Tier 1 risk-based capital ratio | 13.3124% | 3,937 |
| Total risk-based capital ratio | 13.8389% | 4,400 |
| Memoranda: | ||
| Average total assets | $168,270,200 | 3,639 |
| Average earning assets | $152,777,800 | 3,657 |
| Average equity | $16,638,000 | 3,750 |
| Average total loans | $118,621,800 | 3,508 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2127% | 1,344 |
| Cost of funding earning assets | 1.2093% | 6,862 |
| Net interest margin | 5.0034% | 437 |
| Noninterest income to average assets | 1.4624% | 696 |
| Noninterest expense to average assets | 4.6532% | 634 |
| Loan and lease loss provision to assets | 0.0892% | 6,476 |
| Net operating income to assets | 1.2454% | 1,357 |
| Return on assets (ROA) | 1.2454% | 1,425 |
| Pretax return on assets | 1.2525% | 2,104 |
| Return on Equity (ROE) | 12.6004% | 1,203 |
| Retained earnings to average equity (ytd only) | 12.6004% | 294 |
| Net charge-offs to loans | 0.0650% | 6,040 |
| Credit loss provision to net charge-offs | 194.8276% | 2,315 |
| Earnings coverage of net charge-offs (x) | 29.3109% | 946 |
| Efficiency ratio | 77.1459% | 3,293 |
| Assets per employee ($millions) | 2.0353% | 7,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5245% | 7,680 |
| Loan loss allowance to noncurrent loans | 97.7813% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.5641% | 6,047 |
| Noncurrent loans to loans | 0.5364% | 6,236 |
| Net loans and leases to total assets | 70.9781% | 3,276 |
| Net loans and leases to deposits | 96.1377% | 1,557 |
| Net loans and leases to core deposits | 119.1724% | 2,318 |
| Total domestic deposits to total assets | 73.8296% | 6,981 |
| Equity capital to assets | 10.5576% | 3,447 |
| Core capital (leverage) ratio | 10.1600% | 3,103 |
| Tier 1 risk-based capital ratio | 14.2267% | 3,423 |
| Total risk-based capital ratio | 14.7468% | 3,788 |
| Memoranda: | ||
| Average total assets | $168,940,000 | 3,647 |
| Average earning assets | $153,037,750 | 3,668 |
| Average equity | $16,697,500 | 3,769 |
| Average total loans | $118,947,250 | 3,534 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2352% | 1,370 |
| Cost of funding earning assets | 1.2831% | 6,863 |
| Net interest margin | 4.9521% | 483 |
| Noninterest income to average assets | 1.4034% | 767 |
| Noninterest expense to average assets | 4.6048% | 693 |
| Loan and lease loss provision to assets | 0.0881% | 6,286 |
| Net operating income to assets | 1.1814% | 1,530 |
| Return on assets (ROA) | 1.1814% | 1,614 |
| Pretax return on assets | 1.1885% | 2,333 |
| Return on Equity (ROE) | 12.2223% | 1,355 |
| Retained earnings to average equity (ytd only) | 12.2223% | 408 |
| Net charge-offs to loans | 0.0184% | 6,263 |
| Credit loss provision to net charge-offs | 681.8182% | 686 |
| Earnings coverage of net charge-offs (x) | 98.8182% | 386 |
| Efficiency ratio | 77.8554% | 3,371 |
| Assets per employee ($millions) | 2.0823% | 7,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5323% | 7,754 |
| Loan loss allowance to noncurrent loans | 128.8066% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.4654% | 6,281 |
| Noncurrent loans to loans | 0.4133% | 6,476 |
| Net loans and leases to total assets | 69.3509% | 3,863 |
| Net loans and leases to deposits | 89.2562% | 2,942 |
| Net loans and leases to core deposits | 113.5584% | 2,968 |
| Total domestic deposits to total assets | 77.6987% | 6,154 |
| Equity capital to assets | 9.9913% | 3,949 |
| Core capital (leverage) ratio | 9.6374% | 3,721 |
| Tier 1 risk-based capital ratio | 13.8165% | 3,616 |
| Total risk-based capital ratio | 14.3470% | 3,989 |
| Memoranda: | ||
| Average total assets | $170,300,670 | 3,631 |
| Average earning assets | $153,996,670 | 3,665 |
| Average equity | $16,461,670 | 3,820 |
| Average total loans | $119,386,330 | 3,552 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2638% | 1,401 |
| Cost of funding earning assets | 1.3521% | 6,868 |
| Net interest margin | 4.9117% | 487 |
| Noninterest income to average assets | 1.3932% | 725 |
| Noninterest expense to average assets | 4.5162% | 697 |
| Loan and lease loss provision to assets | 0.0888% | 5,825 |
| Net operating income to assets | 1.2646% | 1,466 |
| Return on assets (ROA) | 1.2646% | 1,567 |
| Pretax return on assets | 1.2716% | 2,368 |
| Return on Equity (ROE) | 13.3034% | 1,313 |
| Retained earnings to average equity (ytd only) | 13.3034% | 593 |
| Net charge-offs to loans | 0.0166% | 5,339 |
| Credit loss provision to net charge-offs | 760.0000% | 783 |
| Earnings coverage of net charge-offs (x) | 116.4000% | 374 |
| Efficiency ratio | 76.4121% | 3,422 |
| Assets per employee ($millions) | 2.0026% | 7,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5012% | 7,824 |
| Loan loss allowance to noncurrent loans | 94.7452% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.4470% | 6,156 |
| Noncurrent loans to loans | 0.5290% | 6,097 |
| Net loans and leases to total assets | 71.0575% | 3,452 |
| Net loans and leases to deposits | 93.7910% | 2,306 |
| Net loans and leases to core deposits | 110.8493% | 3,329 |
| Total domestic deposits to total assets | 75.7615% | 6,561 |
| Equity capital to assets | 9.9098% | 4,105 |
| Core capital (leverage) ratio | 9.2427% | 4,341 |
| Tier 1 risk-based capital ratio | 13.3278% | 3,981 |
| Total risk-based capital ratio | 13.8284% | 4,412 |
| Memoranda: | ||
| Average total assets | $171,117,500 | 3,632 |
| Average earning assets | $156,200,000 | 3,644 |
| Average equity | $16,266,500 | 3,894 |
| Average total loans | $120,280,500 | 3,550 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7852% | 1,736 |
| Cost of funding earning assets | 1.9510% | 6,563 |
| Net interest margin | 4.8342% | 729 |
| Noninterest income to average assets | 1.2685% | 913 |
| Noninterest expense to average assets | 4.2777% | 1,073 |
| Loan and lease loss provision to assets | 0.0710% | 6,512 |
| Net operating income to assets | 1.3060% | 1,469 |
| Return on assets (ROA) | 1.3060% | 1,417 |
| Pretax return on assets | 1.3131% | 2,268 |
| Return on Equity (ROE) | 14.1083% | 1,082 |
| Retained earnings to average equity (ytd only) | 5.3239% | 1,845 |
| Net charge-offs to loans | 0.0829% | 5,576 |
| Credit loss provision to net charge-offs | 128.7234% | 4,142 |
| Earnings coverage of net charge-offs (x) | 25.0957% | 1,349 |
| Efficiency ratio | 75.0777% | 3,388 |
| Assets per employee ($millions) | 2.1465% | 7,775 |
| Cash dividends to net income (ytd only)* | 62.2642% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4612% | 7,901 |
| Loan loss allowance to noncurrent loans | 53.1191% | 5,341 |
| Noncurrent assets plus other real estate owned to assets | 0.6664% | 5,224 |
| Noncurrent loans to loans | 0.8682% | 4,885 |
| Net loans and leases to total assets | 68.9102% | 4,276 |
| Net loans and leases to deposits | 92.4969% | 3,054 |
| Net loans and leases to core deposits | 108.6709% | 3,894 |
| Total domestic deposits to total assets | 74.5000% | 6,555 |
| Equity capital to assets | 9.1247% | 5,186 |
| Core capital (leverage) ratio | 8.9181% | 4,861 |
| Tier 1 risk-based capital ratio | 12.2748% | 4,608 |
| Total risk-based capital ratio | 12.7258% | 5,155 |
| Memoranda: | ||
| Average total assets | $170,441,200 | 3,548 |
| Average earning assets | $154,896,600 | 3,570 |
| Average equity | $15,778,000 | 3,977 |
| Average total loans | $113,360,400 | 3,601 |