Home > Citizens Deposit Bank of Arlington, Inc. > Performance and Condition Ratios
Citizens Deposit Bank of Arlington, Inc., 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 | 5.5889% | 1,043 |
| Cost of funding earning assets | 2.2241% | 616 |
| Net interest margin | 3.3648% | 2,481 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.1470% | 3,264 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.2194% | 1,603 |
| Return on assets (ROA) | 1.2146% | 1,586 |
| Pretax return on assets | 1.2146% | 2,100 |
| Return on Equity (ROE) | 10.9400% | 2,242 |
| Retained earnings to average equity (ytd only) | 4.7247% | 2,705 |
| Net charge-offs to loans | 0.0378% | 1,553 |
| Credit loss provision to net charge-offs | 157.8947% | 1,424 |
| Earnings coverage of net charge-offs (x) | 48.6447% | 1,312 |
| Efficiency ratio | 63.0115% | 2,721 |
| Assets per employee ($millions) | 5.4533% | 3,291 |
| Cash dividends to net income (ytd only)* | 56.8061% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1159% | 316 |
| Loan loss allowance to noncurrent loans | 1,847.5207% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 3,000 |
| Noncurrent loans to loans | 0.1145% | 2,951 |
| Net loans and leases to total assets | 68.9600% | 1,924 |
| Net loans and leases to deposits | 83.8459% | 1,795 |
| Net loans and leases to core deposits | 146.6748% | 227 |
| Total domestic deposits to total assets | 82.2500% | 3,077 |
| Equity capital to assets | 11.5512% | 1,268 |
| Core capital (leverage) ratio | 14.5077% | 703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $293,336,800 | 2,454 |
| Average earning assets | $272,645,400 | 2,448 |
| Average equity | $32,573,400 | 2,162 |
| Average total loans | $200,855,400 | 2,281 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4508% | 1,071 |
| Cost of funding earning assets | 2.0723% | 625 |
| Net interest margin | 3.3785% | 2,498 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.1433% | 3,230 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.2433% | 1,668 |
| Return on assets (ROA) | 1.2369% | 1,680 |
| Pretax return on assets | 1.2369% | 2,205 |
| Return on Equity (ROE) | 11.2600% | 2,307 |
| Retained earnings to average equity (ytd only) | 6.1018% | 2,596 |
| Net charge-offs to loans | 0.0135% | 1,913 |
| Credit loss provision to net charge-offs | 450.0000% | 683 |
| Earnings coverage of net charge-offs (x) | 140.5000% | 768 |
| Efficiency ratio | 62.5283% | 2,658 |
| Assets per employee ($millions) | 5.4772% | 3,198 |
| Cash dividends to net income (ytd only)* | 45.7871% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1957% | 296 |
| Loan loss allowance to noncurrent loans | 1,665.5556% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.0930% | 2,959 |
| Noncurrent loans to loans | 0.1318% | 2,891 |
| Net loans and leases to total assets | 69.0000% | 1,945 |
| Net loans and leases to deposits | 83.8460% | 1,755 |
| Net loans and leases to core deposits | 148.0583% | 157 |
| Total domestic deposits to total assets | 82.3000% | 3,161 |
| Equity capital to assets | 10.8033% | 1,430 |
| Core capital (leverage) ratio | 14.5891% | 695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $291,687,500 | 2,467 |
| Average earning assets | $270,998,500 | 2,465 |
| Average equity | $32,055,250 | 2,168 |
| Average total loans | $198,243,500 | 2,300 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2803% | 1,108 |
| Cost of funding earning assets | 1.8803% | 638 |
| Net interest margin | 3.4000% | 2,513 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.1461% | 3,229 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.2555% | 1,683 |
| Return on assets (ROA) | 1.2459% | 1,701 |
| Pretax return on assets | 1.2459% | 2,235 |
| Return on Equity (ROE) | 11.2700% | 2,354 |
| Retained earnings to average equity (ytd only) | 6.1573% | 2,565 |
| Net charge-offs to loans | 0.0041% | 2,158 |
| Credit loss provision to net charge-offs | 1,500.0000% | 316 |
| Earnings coverage of net charge-offs (x) | 473.5000% | 317 |
| Efficiency ratio | 62.3384% | 2,670 |
| Assets per employee ($millions) | 5.3684% | 3,265 |
| Cash dividends to net income (ytd only)* | 45.3846% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2400% | 289 |
| Loan loss allowance to noncurrent loans | 608.2768% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.2648% | 1,877 |
| Noncurrent loans to loans | 0.3683% | 1,823 |
| Net loans and leases to total assets | 66.2600% | 2,129 |
| Net loans and leases to deposits | 81.1269% | 1,897 |
| Net loans and leases to core deposits | 135.4050% | 258 |
| Total domestic deposits to total assets | 81.6800% | 3,295 |
| Equity capital to assets | 11.0082% | 1,382 |
| Core capital (leverage) ratio | 14.4356% | 688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $292,153,333 | 2,472 |
| Average earning assets | $271,232,333 | 2,470 |
| Average equity | $32,286,667 | 2,178 |
| Average total loans | $196,054,333 | 2,315 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1207% | 1,064 |
| Cost of funding earning assets | 1.6925% | 585 |
| Net interest margin | 3.4281% | 2,561 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.2175% | 3,051 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.2017% | 1,927 |
| Return on assets (ROA) | 1.1824% | 1,942 |
| Pretax return on assets | 1.1824% | 2,471 |
| Return on Equity (ROE) | 10.6800% | 2,583 |
| Retained earnings to average equity (ytd only) | 5.5441% | 2,877 |
| Net charge-offs to loans | 0.0165% | 1,358 |
| Credit loss provision to net charge-offs | 375.0000% | 620 |
| Earnings coverage of net charge-offs (x) | 112.8750% | 729 |
| Efficiency ratio | 64.0811% | 2,444 |
| Assets per employee ($millions) | 5.3885% | 3,327 |
| Cash dividends to net income (ytd only)* | 48.0792% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3058% | 282 |
| Loan loss allowance to noncurrent loans | 760.5128% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.2165% | 2,051 |
| Noncurrent loans to loans | 0.3032% | 2,061 |
| Net loans and leases to total assets | 64.7800% | 2,171 |
| Net loans and leases to deposits | 78.1966% | 1,949 |
| Net loans and leases to core deposits | 120.2672% | 421 |
| Total domestic deposits to total assets | 82.8400% | 3,331 |
| Equity capital to assets | 11.1887% | 1,270 |
| Core capital (leverage) ratio | 14.4119% | 670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $290,598,500 | 2,514 |
| Average earning assets | $269,418,500 | 2,509 |
| Average equity | $32,178,500 | 2,208 |
| Average total loans | $194,016,000 | 2,349 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5533% | 656 |
| Cost of funding earning assets | 0.9497% | 206 |
| Net interest margin | 3.6036% | 1,633 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 2.1223% | 3,231 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.3941% | 1,148 |
| Return on assets (ROA) | 1.3924% | 1,103 |
| Pretax return on assets | 1.3924% | 1,791 |
| Return on Equity (ROE) | 11.6700% | 2,251 |
| Retained earnings to average equity (ytd only) | 5.8731% | 2,689 |
| Net charge-offs to loans | 0.1818% | 454 |
| Credit loss provision to net charge-offs | 74.7664% | 1,705 |
| Earnings coverage of net charge-offs (x) | 12.9751% | 2,087 |
| Efficiency ratio | 58.9250% | 3,199 |
| Assets per employee ($millions) | 5.4758% | 3,242 |
| Cash dividends to net income (ytd only)* | 49.6684% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2692% | 279 |
| Loan loss allowance to noncurrent loans | 710.5939% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 1,993 |
| Noncurrent loans to loans | 0.3193% | 2,004 |
| Net loans and leases to total assets | 65.7000% | 2,071 |
| Net loans and leases to deposits | 80.7512% | 1,718 |
| Net loans and leases to core deposits | 118.9959% | 388 |
| Total domestic deposits to total assets | 81.3600% | 3,712 |
| Equity capital to assets | 10.9574% | 1,274 |
| Core capital (leverage) ratio | 14.4726% | 644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $281,533,800 | 2,546 |
| Average earning assets | $262,514,400 | 2,535 |
| Average equity | $33,594,000 | 2,178 |
| Average total loans | $176,537,200 | 2,403 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4081% | 575 |
| Cost of funding earning assets | 0.8279% | 140 |
| Net interest margin | 3.5802% | 1,439 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 2.1095% | 3,185 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.3640% | 1,183 |
| Return on assets (ROA) | 1.3621% | 1,159 |
| Pretax return on assets | 1.3621% | 1,844 |
| Return on Equity (ROE) | 11.1800% | 2,307 |
| Retained earnings to average equity (ytd only) | 6.2391% | 2,661 |
| Net charge-offs to loans | 0.2311% | 299 |
| Credit loss provision to net charge-offs | 70.4698% | 1,452 |
| Earnings coverage of net charge-offs (x) | 10.2953% | 1,992 |
| Efficiency ratio | 59.0278% | 3,242 |
| Assets per employee ($millions) | 5.3713% | 3,355 |
| Cash dividends to net income (ytd only)* | 44.1836% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3638% | 263 |
| Loan loss allowance to noncurrent loans | 922.7557% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.1683% | 2,444 |
| Noncurrent loans to loans | 0.2562% | 2,351 |
| Net loans and leases to total assets | 64.1300% | 2,072 |
| Net loans and leases to deposits | 77.7922% | 1,733 |
| Net loans and leases to core deposits | 111.0017% | 438 |
| Total domestic deposits to total assets | 82.4400% | 3,764 |
| Equity capital to assets | 10.5940% | 1,337 |
| Core capital (leverage) ratio | 14.4087% | 623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $279,363,250 | 2,573 |
| Average earning assets | $260,910,000 | 2,565 |
| Average equity | $34,042,500 | 2,187 |
| Average total loans | $171,899,750 | 2,439 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2510% | 569 |
| Cost of funding earning assets | 0.7672% | 114 |
| Net interest margin | 3.4838% | 1,358 |
| Noninterest income to average assets | 0.2046% | 3,970 |
| Noninterest expense to average assets | 2.1225% | 3,088 |
| Loan and lease loss provision to assets | 0.1297% | 752 |
| Net operating income to assets | 1.2111% | 1,392 |
| Return on assets (ROA) | 1.2083% | 1,386 |
| Pretax return on assets | 1.2083% | 2,048 |
| Return on Equity (ROE) | 9.4915% | 2,526 |
| Retained earnings to average equity (ytd only) | 4.6920% | 2,822 |
| Net charge-offs to loans | 0.2121% | 305 |
| Credit loss provision to net charge-offs | 101.6949% | 1,266 |
| Earnings coverage of net charge-offs (x) | 10.5141% | 1,754 |
| Efficiency ratio | 61.2856% | 3,143 |
| Assets per employee ($millions) | 5.4058% | 3,323 |
| Cash dividends to net income (ytd only)* | 50.5665% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6981% | 198 |
| Loan loss allowance to noncurrent loans | 549.4519% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.2921% | 1,837 |
| Noncurrent loans to loans | 0.4910% | 1,644 |
| Net loans and leases to total assets | 57.8734% | 2,546 |
| Net loans and leases to deposits | 68.6558% | 2,329 |
| Net loans and leases to core deposits | 99.3581% | 695 |
| Total domestic deposits to total assets | 84.2949% | 3,627 |
| Equity capital to assets | 10.9580% | 1,229 |
| Core capital (leverage) ratio | 14.3066% | 573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $277,591,333 | 2,599 |
| Average earning assets | $259,655,333 | 2,601 |
| Average equity | $35,337,000 | 2,187 |
| Average total loans | $166,870,000 | 2,491 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1560% | 568 |
| Cost of funding earning assets | 0.7912% | 95 |
| Net interest margin | 3.3648% | 1,389 |
| Noninterest income to average assets | 0.2175% | 3,856 |
| Noninterest expense to average assets | 2.1592% | 2,948 |
| Loan and lease loss provision to assets | 0.2175% | 323 |
| Net operating income to assets | 0.9861% | 1,936 |
| Return on assets (ROA) | 0.9846% | 1,943 |
| Pretax return on assets | 0.9846% | 2,487 |
| Return on Equity (ROE) | 7.2226% | 2,973 |
| Retained earnings to average equity (ytd only) | 2.5955% | 3,387 |
| Net charge-offs to loans | 0.3791% | 175 |
| Credit loss provision to net charge-offs | 94.9367% | 1,062 |
| Earnings coverage of net charge-offs (x) | 5.2532% | 1,610 |
| Efficiency ratio | 64.2087% | 2,998 |
| Assets per employee ($millions) | 5.4580% | 3,347 |
| Cash dividends to net income (ytd only)* | 64.0648% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7695% | 202 |
| Loan loss allowance to noncurrent loans | 183.6735% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.8802% | 612 |
| Noncurrent loans to loans | 1.5079% | 545 |
| Net loans and leases to total assets | 56.7550% | 2,446 |
| Net loans and leases to deposits | 69.9735% | 1,969 |
| Net loans and leases to core deposits | 109.3869% | 274 |
| Total domestic deposits to total assets | 81.1092% | 4,189 |
| Equity capital to assets | 12.6194% | 778 |
| Core capital (leverage) ratio | 14.4118% | 521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $275,837,000 | 2,625 |
| Average earning assets | $257,844,500 | 2,621 |
| Average equity | $37,604,000 | 2,147 |
| Average total loans | $166,708,500 | 2,495 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5267% | 578 |
| Cost of funding earning assets | 0.9032% | 110 |
| Net interest margin | 3.6235% | 1,401 |
| Noninterest income to average assets | 0.2173% | 4,061 |
| Noninterest expense to average assets | 2.0526% | 3,525 |
| Loan and lease loss provision to assets | 0.4096% | 164 |
| Net operating income to assets | 1.1553% | 2,083 |
| Return on assets (ROA) | 1.1593% | 2,126 |
| Pretax return on assets | 1.1593% | 2,791 |
| Return on Equity (ROE) | 7.8237% | 3,274 |
| Retained earnings to average equity (ytd only) | 3.0926% | 3,596 |
| Net charge-offs to loans | 0.1827% | 530 |
| Credit loss provision to net charge-offs | 343.6533% | 1,003 |
| Earnings coverage of net charge-offs (x) | 13.1300% | 2,087 |
| Efficiency ratio | 56.7421% | 3,610 |
| Assets per employee ($millions) | 5.5779% | 3,186 |
| Cash dividends to net income (ytd only)* | 60.4710% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6373% | 232 |
| Loan loss allowance to noncurrent loans | 200.3556% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.8232% | 719 |
| Noncurrent loans to loans | 1.3163% | 715 |
| Net loans and leases to total assets | 60.8918% | 2,071 |
| Net loans and leases to deposits | 77.7326% | 1,419 |
| Net loans and leases to core deposits | 129.0662% | 108 |
| Total domestic deposits to total assets | 78.3350% | 4,361 |
| Equity capital to assets | 14.6647% | 546 |
| Core capital (leverage) ratio | 14.6805% | 507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $271,019,000 | 2,593 |
| Average earning assets | $254,313,600 | 2,591 |
| Average equity | $40,160,000 | 2,078 |
| Average total loans | $176,808,400 | 2,405 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6074% | 558 |
| Cost of funding earning assets | 0.9224% | 124 |
| Net interest margin | 3.6850% | 1,370 |
| Noninterest income to average assets | 0.2154% | 4,108 |
| Noninterest expense to average assets | 2.0509% | 3,519 |
| Loan and lease loss provision to assets | 0.5177% | 104 |
| Net operating income to assets | 1.1171% | 2,490 |
| Return on assets (ROA) | 1.1176% | 2,543 |
| Pretax return on assets | 1.1176% | 3,165 |
| Return on Equity (ROE) | 7.5227% | 3,523 |
| Retained earnings to average equity (ytd only) | 3.4113% | 3,764 |
| Net charge-offs to loans | 0.1705% | 502 |
| Credit loss provision to net charge-offs | 460.5263% | 799 |
| Earnings coverage of net charge-offs (x) | 14.5439% | 1,887 |
| Efficiency ratio | 55.6447% | 3,571 |
| Assets per employee ($millions) | 5.4129% | 3,298 |
| Cash dividends to net income (ytd only)* | 54.6537% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5980% | 246 |
| Loan loss allowance to noncurrent loans | 246.6341% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.6945% | 1,073 |
| Noncurrent loans to loans | 1.0534% | 1,076 |
| Net loans and leases to total assets | 64.2159% | 1,742 |
| Net loans and leases to deposits | 83.1252% | 1,020 |
| Net loans and leases to core deposits | 145.3784% | 65 |
| Total domestic deposits to total assets | 77.2520% | 4,474 |
| Equity capital to assets | 15.2372% | 506 |
| Core capital (leverage) ratio | 14.6760% | 533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $270,444,750 | 2,620 |
| Average earning assets | $254,685,750 | 2,611 |
| Average equity | $40,179,750 | 2,104 |
| Average total loans | $178,276,750 | 2,434 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6359% | 590 |
| Cost of funding earning assets | 0.9404% | 150 |
| Net interest margin | 3.6954% | 1,360 |
| Noninterest income to average assets | 0.2124% | 4,132 |
| Noninterest expense to average assets | 2.0347% | 3,592 |
| Loan and lease loss provision to assets | 0.4409% | 129 |
| Net operating income to assets | 1.2161% | 2,127 |
| Return on assets (ROA) | 1.2190% | 2,193 |
| Pretax return on assets | 1.2190% | 2,860 |
| Return on Equity (ROE) | 8.2740% | 3,324 |
| Retained earnings to average equity (ytd only) | 4.1544% | 3,474 |
| Net charge-offs to loans | 0.2519% | 350 |
| Credit loss provision to net charge-offs | 265.4867% | 945 |
| Earnings coverage of net charge-offs (x) | 9.9779% | 1,818 |
| Efficiency ratio | 55.1154% | 3,655 |
| Assets per employee ($millions) | 5.6092% | 3,008 |
| Cash dividends to net income (ytd only)* | 49.7890% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2901% | 370 |
| Loan loss allowance to noncurrent loans | 214.3979% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.6949% | 1,185 |
| Noncurrent loans to loans | 1.0682% | 1,140 |
| Net loans and leases to total assets | 63.5684% | 1,999 |
| Net loans and leases to deposits | 84.3701% | 1,037 |
| Net loans and leases to core deposits | 150.7390% | 66 |
| Total domestic deposits to total assets | 75.3446% | 4,598 |
| Equity capital to assets | 14.6990% | 578 |
| Core capital (leverage) ratio | 14.4329% | 555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $272,182,333 | 2,593 |
| Average earning assets | $256,263,000 | 2,584 |
| Average equity | $40,101,667 | 2,101 |
| Average total loans | $179,414,333 | 2,440 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5439% | 730 |
| Cost of funding earning assets | 0.9715% | 159 |
| Net interest margin | 3.5724% | 1,656 |
| Noninterest income to average assets | 0.2068% | 4,143 |
| Noninterest expense to average assets | 1.9657% | 3,817 |
| Loan and lease loss provision to assets | 0.1329% | 1,025 |
| Net operating income to assets | 1.4754% | 1,387 |
| Return on assets (ROA) | 1.4754% | 1,448 |
| Pretax return on assets | 1.4754% | 2,059 |
| Return on Equity (ROE) | 10.0019% | 2,685 |
| Retained earnings to average equity (ytd only) | 5.8670% | 2,938 |
| Net charge-offs to loans | 0.0378% | 1,089 |
| Credit loss provision to net charge-offs | 529.4118% | 582 |
| Earnings coverage of net charge-offs (x) | 64.0588% | 794 |
| Efficiency ratio | 55.0000% | 3,666 |
| Assets per employee ($millions) | 5.5806% | 3,039 |
| Cash dividends to net income (ytd only)* | 41.3413% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1874% | 429 |
| Loan loss allowance to noncurrent loans | 162.0675% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.8750% | 1,006 |
| Noncurrent loans to loans | 1.3497% | 952 |
| Net loans and leases to total assets | 63.3350% | 2,122 |
| Net loans and leases to deposits | 81.8448% | 1,347 |
| Net loans and leases to core deposits | 145.7739% | 80 |
| Total domestic deposits to total assets | 77.3843% | 4,491 |
| Equity capital to assets | 14.9120% | 508 |
| Core capital (leverage) ratio | 14.1128% | 632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $270,849,000 | 2,591 |
| Average earning assets | $255,287,000 | 2,571 |
| Average equity | $39,952,500 | 2,094 |
| Average total loans | $179,715,500 | 2,439 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1724% | 350 |
| Cost of funding earning assets | 1.2324% | 243 |
| Net interest margin | 3.9400% | 1,116 |
| Noninterest income to average assets | 0.2530% | 3,969 |
| Noninterest expense to average assets | 2.0900% | 3,951 |
| Loan and lease loss provision to assets | 0.4482% | 624 |
| Net operating income to assets | 1.4270% | 960 |
| Return on assets (ROA) | 1.4414% | 1,015 |
| Pretax return on assets | 1.4414% | 1,536 |
| Return on Equity (ROE) | 9.6169% | 2,154 |
| Retained earnings to average equity (ytd only) | 4.4834% | 2,544 |
| Net charge-offs to loans | 0.2306% | 758 |
| Credit loss provision to net charge-offs | 285.3598% | 1,789 |
| Earnings coverage of net charge-offs (x) | 11.9380% | 2,367 |
| Efficiency ratio | 52.7081% | 4,332 |
| Assets per employee ($millions) | 5.8261% | 2,518 |
| Cash dividends to net income (ytd only)* | 53.3802% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0007% | 585 |
| Loan loss allowance to noncurrent loans | 223.4835% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.6197% | 1,701 |
| Noncurrent loans to loans | 0.8953% | 1,573 |
| Net loans and leases to total assets | 66.5603% | 2,013 |
| Net loans and leases to deposits | 92.8094% | 728 |
| Net loans and leases to core deposits | 173.5677% | 57 |
| Total domestic deposits to total assets | 71.7172% | 4,723 |
| Equity capital to assets | 14.5932% | 657 |
| Core capital (leverage) ratio | 14.0293% | 682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $256,559,800 | 2,533 |
| Average earning assets | $241,726,000 | 2,518 |
| Average equity | $38,453,200 | 2,079 |
| Average total loans | $174,770,800 | 2,447 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4052% | 274 |
| Cost of funding earning assets | 1.2742% | 277 |
| Net interest margin | 4.1310% | 844 |
| Noninterest income to average assets | 0.2463% | 4,003 |
| Noninterest expense to average assets | 2.1096% | 3,920 |
| Loan and lease loss provision to assets | 0.5681% | 466 |
| Net operating income to assets | 1.4636% | 972 |
| Return on assets (ROA) | 1.4832% | 1,017 |
| Pretax return on assets | 1.4832% | 1,477 |
| Return on Equity (ROE) | 9.8256% | 2,079 |
| Retained earnings to average equity (ytd only) | 5.4871% | 2,329 |
| Net charge-offs to loans | 0.0845% | 1,463 |
| Credit loss provision to net charge-offs | 986.2385% | 835 |
| Earnings coverage of net charge-offs (x) | 35.2661% | 1,457 |
| Efficiency ratio | 50.9381% | 4,423 |
| Assets per employee ($millions) | 6.0811% | 2,197 |
| Cash dividends to net income (ytd only)* | 44.1554% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0833% | 433 |
| Loan loss allowance to noncurrent loans | 412.9979% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.3685% | 2,675 |
| Noncurrent loans to loans | 0.5044% | 2,538 |
| Net loans and leases to total assets | 69.2079% | 2,074 |
| Net loans and leases to deposits | 99.3386% | 562 |
| Net loans and leases to core deposits | 182.1929% | 50 |
| Total domestic deposits to total assets | 69.6688% | 4,769 |
| Equity capital to assets | 14.8975% | 658 |
| Core capital (leverage) ratio | 13.7179% | 775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $252,243,000 | 2,546 |
| Average earning assets | $237,839,500 | 2,523 |
| Average equity | $38,076,500 | 2,087 |
| Average total loans | $171,968,250 | 2,468 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3914% | 410 |
| Cost of funding earning assets | 1.3457% | 291 |
| Net interest margin | 4.0457% | 1,229 |
| Noninterest income to average assets | 0.2614% | 3,906 |
| Noninterest expense to average assets | 2.1235% | 3,976 |
| Loan and lease loss provision to assets | 0.5058% | 702 |
| Net operating income to assets | 1.4421% | 1,032 |
| Return on assets (ROA) | 1.4802% | 1,040 |
| Pretax return on assets | 1.4802% | 1,500 |
| Return on Equity (ROE) | 9.7594% | 2,065 |
| Retained earnings to average equity (ytd only) | 5.3519% | 2,328 |
| Net charge-offs to loans | 0.0902% | 1,350 |
| Credit loss provision to net charge-offs | 833.3333% | 894 |
| Earnings coverage of net charge-offs (x) | 32.0933% | 1,379 |
| Efficiency ratio | 52.1566% | 4,345 |
| Assets per employee ($millions) | 6.0142% | 2,176 |
| Cash dividends to net income (ytd only)* | 45.1613% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9296% | 498 |
| Loan loss allowance to noncurrent loans | 611.8056% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.2177% | 3,462 |
| Noncurrent loans to loans | 0.3154% | 3,256 |
| Net loans and leases to total assets | 67.6841% | 2,412 |
| Net loans and leases to deposits | 96.2419% | 775 |
| Net loans and leases to core deposits | 177.1287% | 55 |
| Total domestic deposits to total assets | 70.3271% | 4,776 |
| Equity capital to assets | 14.8282% | 656 |
| Core capital (leverage) ratio | 14.3170% | 685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $247,134,333 | 2,558 |
| Average earning assets | $232,742,000 | 2,534 |
| Average equity | $37,481,667 | 2,104 |
| Average total loans | $166,251,333 | 2,506 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1829% | 681 |
| Cost of funding earning assets | 1.4696% | 300 |
| Net interest margin | 3.7133% | 2,279 |
| Noninterest income to average assets | 0.2987% | 3,729 |
| Noninterest expense to average assets | 2.1494% | 4,116 |
| Loan and lease loss provision to assets | 0.1678% | 1,748 |
| Net operating income to assets | 1.4665% | 844 |
| Return on assets (ROA) | 1.4581% | 935 |
| Pretax return on assets | 1.4581% | 1,417 |
| Return on Equity (ROE) | 9.4965% | 1,915 |
| Retained earnings to average equity (ytd only) | 4.9832% | 2,285 |
| Net charge-offs to loans | 0.0101% | 2,213 |
| Credit loss provision to net charge-offs | 2,500.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 243.5000% | 282 |
| Efficiency ratio | 56.8071% | 4,131 |
| Assets per employee ($millions) | 5.5899% | 2,032 |
| Cash dividends to net income (ytd only)* | 47.5259% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9551% | 546 |
| Loan loss allowance to noncurrent loans | 561.2431% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.2276% | 3,559 |
| Noncurrent loans to loans | 0.3483% | 3,239 |
| Net loans and leases to total assets | 64.0515% | 3,061 |
| Net loans and leases to deposits | 87.0611% | 1,863 |
| Net loans and leases to core deposits | 172.8622% | 62 |
| Total domestic deposits to total assets | 73.5707% | 4,684 |
| Equity capital to assets | 14.9152% | 779 |
| Core capital (leverage) ratio | 15.4451% | 612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $238,389,000 | 2,567 |
| Average earning assets | $223,734,000 | 2,545 |
| Average equity | $36,603,000 | 2,127 |
| Average total loans | $158,060,500 | 2,563 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3907% | 676 |
| Cost of funding earning assets | 1.5288% | 368 |
| Net interest margin | 3.8619% | 2,298 |
| Noninterest income to average assets | 0.2664% | 4,089 |
| Noninterest expense to average assets | 2.1595% | 4,244 |
| Loan and lease loss provision to assets | 0.1028% | 2,012 |
| Net operating income to assets | 1.6423% | 750 |
| Return on assets (ROA) | 1.6316% | 825 |
| Pretax return on assets | 1.6316% | 1,395 |
| Return on Equity (ROE) | 10.2484% | 2,187 |
| Retained earnings to average equity (ytd only) | 5.1214% | 2,355 |
| Net charge-offs to loans | 0.1446% | 1,358 |
| Credit loss provision to net charge-offs | 106.4815% | 2,326 |
| Earnings coverage of net charge-offs (x) | 18.0741% | 2,077 |
| Efficiency ratio | 55.3062% | 4,293 |
| Assets per employee ($millions) | 5.6289% | 1,943 |
| Cash dividends to net income (ytd only)* | 50.0274% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8693% | 590 |
| Loan loss allowance to noncurrent loans | 244.5724% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.5643% | 2,196 |
| Noncurrent loans to loans | 0.7643% | 1,985 |
| Net loans and leases to total assets | 66.0368% | 2,947 |
| Net loans and leases to deposits | 90.0231% | 1,588 |
| Net loans and leases to core deposits | 188.5267% | 50 |
| Total domestic deposits to total assets | 73.3554% | 4,807 |
| Equity capital to assets | 15.8008% | 639 |
| Core capital (leverage) ratio | 15.4229% | 603 |
| Tier 1 risk-based capital ratio | 21.5338% | 1,081 |
| Total risk-based capital ratio | 22.7901% | 1,055 |
| Memoranda: | ||
| Average total assets | $223,710,600 | 2,630 |
| Average earning assets | $210,751,600 | 2,598 |
| Average equity | $35,615,400 | 2,114 |
| Average total loans | $149,358,000 | 2,627 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3983% | 699 |
| Cost of funding earning assets | 1.5237% | 382 |
| Net interest margin | 3.8747% | 2,350 |
| Noninterest income to average assets | 0.2702% | 4,124 |
| Noninterest expense to average assets | 2.1831% | 4,211 |
| Loan and lease loss provision to assets | 0.0937% | 2,037 |
| Net operating income to assets | 1.6463% | 833 |
| Return on assets (ROA) | 1.6305% | 905 |
| Pretax return on assets | 1.6305% | 1,525 |
| Return on Equity (ROE) | 10.2213% | 2,345 |
| Retained earnings to average equity (ytd only) | 5.5256% | 2,615 |
| Net charge-offs to loans | 0.1742% | 973 |
| Credit loss provision to net charge-offs | 80.7292% | 2,494 |
| Earnings coverage of net charge-offs (x) | 14.9898% | 2,220 |
| Efficiency ratio | 55.6480% | 4,204 |
| Assets per employee ($millions) | 5.5498% | 1,984 |
| Cash dividends to net income (ytd only)* | 45.9400% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8515% | 603 |
| Loan loss allowance to noncurrent loans | 546.3551% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.2385% | 3,614 |
| Noncurrent loans to loans | 0.3389% | 3,322 |
| Net loans and leases to total assets | 66.4775% | 2,993 |
| Net loans and leases to deposits | 92.5043% | 1,371 |
| Net loans and leases to core deposits | 196.4913% | 45 |
| Total domestic deposits to total assets | 71.8642% | 4,925 |
| Equity capital to assets | 15.8028% | 674 |
| Core capital (leverage) ratio | 15.8749% | 576 |
| Tier 1 risk-based capital ratio | 22.9438% | 949 |
| Total risk-based capital ratio | 24.2017% | 933 |
| Memoranda: | ||
| Average total assets | $220,535,250 | 2,678 |
| Average earning assets | $207,910,250 | 2,647 |
| Average equity | $35,180,500 | 2,142 |
| Average total loans | $146,924,250 | 2,676 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3969% | 685 |
| Cost of funding earning assets | 1.5059% | 375 |
| Net interest margin | 3.8909% | 2,265 |
| Noninterest income to average assets | 0.2644% | 4,171 |
| Noninterest expense to average assets | 2.1881% | 4,249 |
| Loan and lease loss provision to assets | 0.0832% | 2,176 |
| Net operating income to assets | 1.6593% | 791 |
| Return on assets (ROA) | 1.6492% | 844 |
| Pretax return on assets | 1.6492% | 1,397 |
| Return on Equity (ROE) | 10.3035% | 2,251 |
| Retained earnings to average equity (ytd only) | 5.5329% | 2,501 |
| Net charge-offs to loans | 0.1354% | 1,116 |
| Credit loss provision to net charge-offs | 92.7835% | 2,105 |
| Earnings coverage of net charge-offs (x) | 19.4330% | 1,819 |
| Efficiency ratio | 55.6679% | 4,286 |
| Assets per employee ($millions) | 5.0046% | 2,472 |
| Cash dividends to net income (ytd only)* | 46.3004% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0347% | 447 |
| Loan loss allowance to noncurrent loans | 153.3749% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.8846% | 1,588 |
| Noncurrent loans to loans | 1.3266% | 1,179 |
| Net loans and leases to total assets | 64.5880% | 3,276 |
| Net loans and leases to deposits | 88.5122% | 1,937 |
| Net loans and leases to core deposits | 180.0486% | 60 |
| Total domestic deposits to total assets | 72.9707% | 4,909 |
| Equity capital to assets | 16.4127% | 547 |
| Core capital (leverage) ratio | 16.3407% | 503 |
| Tier 1 risk-based capital ratio | 22.9216% | 952 |
| Total risk-based capital ratio | 24.1799% | 925 |
| Memoranda: | ||
| Average total assets | $216,350,000 | 2,722 |
| Average earning assets | $203,859,000 | 2,696 |
| Average equity | $34,629,000 | 2,159 |
| Average total loans | $143,273,670 | 2,726 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2601% | 817 |
| Cost of funding earning assets | 1.4666% | 366 |
| Net interest margin | 3.7935% | 2,550 |
| Noninterest income to average assets | 0.2630% | 4,126 |
| Noninterest expense to average assets | 2.1733% | 4,328 |
| Loan and lease loss provision to assets | 0.0839% | 2,024 |
| Net operating income to assets | 1.6006% | 894 |
| Return on assets (ROA) | 1.5856% | 951 |
| Pretax return on assets | 1.5856% | 1,511 |
| Return on Equity (ROE) | 10.0375% | 2,354 |
| Retained earnings to average equity (ytd only) | 5.1605% | 2,833 |
| Net charge-offs to loans | 0.2445% | 593 |
| Credit loss provision to net charge-offs | 51.7241% | 1,964 |
| Earnings coverage of net charge-offs (x) | 10.3793% | 1,966 |
| Efficiency ratio | 56.3346% | 4,288 |
| Assets per employee ($millions) | 5.1268% | 2,361 |
| Cash dividends to net income (ytd only)* | 48.5882% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0474% | 459 |
| Loan loss allowance to noncurrent loans | 1,042.1429% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.1403% | 4,104 |
| Noncurrent loans to loans | 0.1965% | 3,887 |
| Net loans and leases to total assets | 64.8349% | 3,188 |
| Net loans and leases to deposits | 85.7864% | 2,149 |
| Net loans and leases to core deposits | 176.8722% | 57 |
| Total domestic deposits to total assets | 75.5771% | 4,808 |
| Equity capital to assets | 16.2864% | 535 |
| Core capital (leverage) ratio | 16.2923% | 500 |
| Tier 1 risk-based capital ratio | 23.0322% | 931 |
| Total risk-based capital ratio | 24.2903% | 913 |
| Memoranda: | ||
| Average total assets | $214,424,000 | 2,767 |
| Average earning assets | $203,189,000 | 2,734 |
| Average equity | $33,873,000 | 2,194 |
| Average total loans | $142,321,500 | 2,775 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1367% | 788 |
| Cost of funding earning assets | 1.2515% | 271 |
| Net interest margin | 3.8851% | 2,377 |
| Noninterest income to average assets | 0.2668% | 4,328 |
| Noninterest expense to average assets | 2.1450% | 4,458 |
| Loan and lease loss provision to assets | 0.0837% | 2,462 |
| Net operating income to assets | 1.7377% | 630 |
| Return on assets (ROA) | 1.7205% | 652 |
| Pretax return on assets | 1.7205% | 1,113 |
| Return on Equity (ROE) | 11.3449% | 1,962 |
| Retained earnings to average equity (ytd only) | 5.7434% | 2,331 |
| Net charge-offs to loans | 0.0057% | 3,501 |
| Credit loss provision to net charge-offs | 2,187.5000% | 205 |
| Earnings coverage of net charge-offs (x) | 476.2500% | 218 |
| Efficiency ratio | 54.0798% | 4,613 |
| Assets per employee ($millions) | 5.3380% | 2,117 |
| Cash dividends to net income (ytd only)* | 49.3748% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0828% | 412 |
| Loan loss allowance to noncurrent loans | 261.4841% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.5302% | 2,470 |
| Noncurrent loans to loans | 0.7965% | 2,011 |
| Net loans and leases to total assets | 65.1730% | 3,237 |
| Net loans and leases to deposits | 86.0439% | 2,266 |
| Net loans and leases to core deposits | 180.5769% | 54 |
| Total domestic deposits to total assets | 75.7438% | 4,780 |
| Equity capital to assets | 15.3039% | 643 |
| Core capital (leverage) ratio | 15.7444% | 560 |
| Tier 1 risk-based capital ratio | 22.0207% | 1,030 |
| Total risk-based capital ratio | 23.2795% | 1,007 |
| Memoranda: | ||
| Average total assets | $209,179,800 | 2,774 |
| Average earning assets | $199,195,800 | 2,728 |
| Average equity | $31,723,600 | 2,235 |
| Average total loans | $139,297,400 | 2,777 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0903% | 774 |
| Cost of funding earning assets | 1.2040% | 253 |
| Net interest margin | 3.8864% | 2,354 |
| Noninterest income to average assets | 0.2608% | 4,410 |
| Noninterest expense to average assets | 2.1496% | 4,428 |
| Loan and lease loss provision to assets | 0.0961% | 2,056 |
| Net operating income to assets | 1.7171% | 714 |
| Return on assets (ROA) | 1.6953% | 756 |
| Pretax return on assets | 1.6953% | 1,290 |
| Return on Equity (ROE) | 11.2050% | 2,088 |
| Retained earnings to average equity (ytd only) | 6.1657% | 2,569 |
| Net charge-offs to loans | 0.0414% | 2,255 |
| Credit loss provision to net charge-offs | 348.8372% | 900 |
| Earnings coverage of net charge-offs (x) | 65.8162% | 993 |
| Efficiency ratio | 54.2441% | 4,584 |
| Assets per employee ($millions) | 5.2781% | 2,144 |
| Cash dividends to net income (ytd only)* | 44.9737% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0524% | 441 |
| Loan loss allowance to noncurrent loans | 308.9457% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.4471% | 2,901 |
| Noncurrent loans to loans | 0.6643% | 2,417 |
| Net loans and leases to total assets | 65.5746% | 3,234 |
| Net loans and leases to deposits | 87.4887% | 2,212 |
| Net loans and leases to core deposits | 190.1742% | 43 |
| Total domestic deposits to total assets | 74.9520% | 4,890 |
| Equity capital to assets | 15.1281% | 690 |
| Core capital (leverage) ratio | 15.6519% | 573 |
| Tier 1 risk-based capital ratio | 21.9533% | 1,057 |
| Total risk-based capital ratio | 23.2116% | 1,033 |
| Memoranda: | ||
| Average total assets | $208,094,500 | 2,811 |
| Average earning assets | $198,226,500 | 2,751 |
| Average equity | $31,485,250 | 2,253 |
| Average total loans | $138,592,250 | 2,807 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0300% | 769 |
| Cost of funding earning assets | 1.1386% | 245 |
| Net interest margin | 3.8914% | 2,231 |
| Noninterest income to average assets | 0.2550% | 4,483 |
| Noninterest expense to average assets | 2.1721% | 4,432 |
| Loan and lease loss provision to assets | 0.1014% | 1,920 |
| Net operating income to assets | 1.6882% | 741 |
| Return on assets (ROA) | 1.6805% | 760 |
| Pretax return on assets | 1.6805% | 1,269 |
| Return on Equity (ROE) | 11.1061% | 2,065 |
| Retained earnings to average equity (ytd only) | 6.0446% | 2,536 |
| Net charge-offs to loans | 0.0494% | 1,902 |
| Credit loss provision to net charge-offs | 308.8235% | 982 |
| Earnings coverage of net charge-offs (x) | 54.5000% | 1,066 |
| Efficiency ratio | 54.8269% | 4,604 |
| Assets per employee ($millions) | 5.0787% | 2,317 |
| Cash dividends to net income (ytd only)* | 45.5747% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0856% | 450 |
| Loan loss allowance to noncurrent loans | 258.1081% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.5690% | 2,520 |
| Noncurrent loans to loans | 0.8080% | 2,111 |
| Net loans and leases to total assets | 66.2100% | 3,113 |
| Net loans and leases to deposits | 88.7914% | 2,010 |
| Net loans and leases to core deposits | 204.1853% | 38 |
| Total domestic deposits to total assets | 74.5680% | 4,993 |
| Equity capital to assets | 15.5716% | 583 |
| Core capital (leverage) ratio | 15.8331% | 528 |
| Tier 1 risk-based capital ratio | 22.0992% | 1,025 |
| Total risk-based capital ratio | 23.3578% | 1,010 |
| Memoranda: | ||
| Average total assets | $207,085,000 | 2,841 |
| Average earning assets | $197,255,330 | 2,779 |
| Average equity | $31,334,000 | 2,267 |
| Average total loans | $137,675,000 | 2,822 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9209% | 830 |
| Cost of funding earning assets | 1.1157% | 212 |
| Net interest margin | 3.8053% | 2,407 |
| Noninterest income to average assets | 0.2755% | 4,327 |
| Noninterest expense to average assets | 2.1736% | 4,484 |
| Loan and lease loss provision to assets | 0.1148% | 1,646 |
| Net operating income to assets | 1.6091% | 844 |
| Return on assets (ROA) | 1.5862% | 889 |
| Pretax return on assets | 1.5862% | 1,429 |
| Return on Equity (ROE) | 10.6335% | 2,112 |
| Retained earnings to average equity (ytd only) | 5.5412% | 2,934 |
| Net charge-offs to loans | 0.0900% | 1,260 |
| Credit loss provision to net charge-offs | 193.5484% | 1,064 |
| Earnings coverage of net charge-offs (x) | 29.0645% | 1,258 |
| Efficiency ratio | 55.7683% | 4,613 |
| Assets per employee ($millions) | 4.9637% | 2,528 |
| Cash dividends to net income (ytd only)* | 47.8890% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0987% | 451 |
| Loan loss allowance to noncurrent loans | 578.4836% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 3,894 |
| Noncurrent loans to loans | 0.3628% | 3,470 |
| Net loans and leases to total assets | 63.1687% | 3,412 |
| Net loans and leases to deposits | 83.8012% | 2,406 |
| Net loans and leases to core deposits | 180.2924% | 48 |
| Total domestic deposits to total assets | 75.3793% | 5,032 |
| Equity capital to assets | 14.9577% | 682 |
| Core capital (leverage) ratio | 15.2098% | 614 |
| Tier 1 risk-based capital ratio | 21.8471% | 1,075 |
| Total risk-based capital ratio | 23.1059% | 1,049 |
| Memoranda: | ||
| Average total assets | $209,054,500 | 2,856 |
| Average earning assets | $198,986,500 | 2,799 |
| Average equity | $31,184,500 | 2,290 |
| Average total loans | $137,828,500 | 2,840 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9853% | 666 |
| Cost of funding earning assets | 1.0501% | 165 |
| Net interest margin | 3.9352% | 1,968 |
| Noninterest income to average assets | 0.2916% | 4,376 |
| Noninterest expense to average assets | 2.1231% | 4,716 |
| Loan and lease loss provision to assets | 0.0855% | 2,489 |
| Net operating income to assets | 1.8177% | 400 |
| Return on assets (ROA) | 1.8168% | 412 |
| Pretax return on assets | 1.8168% | 762 |
| Return on Equity (ROE) | 12.2209% | 1,145 |
| Retained earnings to average equity (ytd only) | 6.2567% | 1,408 |
| Net charge-offs to loans | 0.0642% | 2,555 |
| Credit loss provision to net charge-offs | 203.4884% | 1,343 |
| Earnings coverage of net charge-offs (x) | 45.3023% | 1,170 |
| Efficiency ratio | 52.7299% | 5,060 |
| Assets per employee ($millions) | 4.9913% | 2,487 |
| Cash dividends to net income (ytd only)* | 48.8034% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9796% | 558 |
| Loan loss allowance to noncurrent loans | 285.1020% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.4675% | 3,003 |
| Noncurrent loans to loans | 0.6943% | 2,475 |
| Net loans and leases to total assets | 65.9955% | 3,099 |
| Net loans and leases to deposits | 87.6353% | 2,057 |
| Net loans and leases to core deposits | 183.4965% | 51 |
| Total domestic deposits to total assets | 75.3070% | 5,054 |
| Equity capital to assets | 14.8764% | 706 |
| Core capital (leverage) ratio | 14.9977% | 620 |
| Tier 1 risk-based capital ratio | 20.5627% | 1,216 |
| Total risk-based capital ratio | 21.8198% | 1,190 |
| Memoranda: | ||
| Average total assets | $204,704,000 | 2,874 |
| Average earning assets | $194,270,200 | 2,822 |
| Average equity | $30,431,400 | 2,327 |
| Average total loans | $133,949,200 | 2,856 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9449% | 688 |
| Cost of funding earning assets | 1.0343% | 159 |
| Net interest margin | 3.9106% | 2,003 |
| Noninterest income to average assets | 0.2942% | 4,428 |
| Noninterest expense to average assets | 2.1192% | 4,689 |
| Loan and lease loss provision to assets | 0.0754% | 2,561 |
| Net operating income to assets | 1.8112% | 460 |
| Return on assets (ROA) | 1.8118% | 468 |
| Pretax return on assets | 1.8118% | 865 |
| Return on Equity (ROE) | 12.1899% | 1,276 |
| Retained earnings to average equity (ytd only) | 7.0891% | 1,647 |
| Net charge-offs to loans | 0.0595% | 2,268 |
| Credit loss provision to net charge-offs | 194.9153% | 1,369 |
| Earnings coverage of net charge-offs (x) | 48.7995% | 1,134 |
| Efficiency ratio | 52.9036% | 5,025 |
| Assets per employee ($millions) | 4.8850% | 2,589 |
| Cash dividends to net income (ytd only)* | 41.8446% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9868% | 585 |
| Loan loss allowance to noncurrent loans | 561.3821% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.2398% | 4,098 |
| Noncurrent loans to loans | 0.3539% | 3,683 |
| Net loans and leases to total assets | 66.4119% | 3,052 |
| Net loans and leases to deposits | 88.7713% | 1,958 |
| Net loans and leases to core deposits | 192.2999% | 45 |
| Total domestic deposits to total assets | 74.8123% | 5,146 |
| Equity capital to assets | 15.3557% | 665 |
| Core capital (leverage) ratio | 15.0746% | 648 |
| Tier 1 risk-based capital ratio | 20.6085% | 1,262 |
| Total risk-based capital ratio | 21.8658% | 1,232 |
| Memoranda: | ||
| Average total assets | $203,471,500 | 2,913 |
| Average earning assets | $193,111,000 | 2,859 |
| Average equity | $30,242,750 | 2,360 |
| Average total loans | $132,150,750 | 2,909 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8914% | 705 |
| Cost of funding earning assets | 1.0138% | 166 |
| Net interest margin | 3.8776% | 2,010 |
| Noninterest income to average assets | 0.2937% | 4,442 |
| Noninterest expense to average assets | 2.1330% | 4,709 |
| Loan and lease loss provision to assets | 0.0690% | 2,591 |
| Net operating income to assets | 1.7713% | 478 |
| Return on assets (ROA) | 1.7693% | 490 |
| Pretax return on assets | 1.7693% | 899 |
| Return on Equity (ROE) | 12.0381% | 1,289 |
| Retained earnings to average equity (ytd only) | 6.9881% | 1,598 |
| Net charge-offs to loans | 0.0878% | 1,731 |
| Credit loss provision to net charge-offs | 122.8070% | 1,759 |
| Earnings coverage of net charge-offs (x) | 32.7544% | 1,405 |
| Efficiency ratio | 53.6839% | 5,043 |
| Assets per employee ($millions) | 4.8255% | 2,614 |
| Cash dividends to net income (ytd only)* | 41.9499% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0425% | 560 |
| Loan loss allowance to noncurrent loans | 150.5817% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.9177% | 1,918 |
| Noncurrent loans to loans | 1.3564% | 1,427 |
| Net loans and leases to total assets | 64.3162% | 3,342 |
| Net loans and leases to deposits | 84.7778% | 2,378 |
| Net loans and leases to core deposits | 126.2052% | 392 |
| Total domestic deposits to total assets | 75.8645% | 5,109 |
| Equity capital to assets | 15.3001% | 653 |
| Core capital (leverage) ratio | 14.9463% | 641 |
| Tier 1 risk-based capital ratio | 20.8683% | 1,213 |
| Total risk-based capital ratio | 22.1261% | 1,181 |
| Memoranda: | ||
| Average total assets | $202,906,000 | 2,932 |
| Average earning assets | $192,540,670 | 2,878 |
| Average equity | $29,822,000 | 2,383 |
| Average total loans | $129,861,670 | 2,949 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8298% | 707 |
| Cost of funding earning assets | 1.0026% | 163 |
| Net interest margin | 3.8272% | 2,025 |
| Noninterest income to average assets | 0.3113% | 4,323 |
| Noninterest expense to average assets | 2.1259% | 4,800 |
| Loan and lease loss provision to assets | 0.0591% | 2,626 |
| Net operating income to assets | 1.7515% | 496 |
| Return on assets (ROA) | 1.7259% | 531 |
| Pretax return on assets | 1.7259% | 949 |
| Return on Equity (ROE) | 11.9883% | 1,239 |
| Retained earnings to average equity (ytd only) | 7.1163% | 1,807 |
| Net charge-offs to loans | 0.1591% | 1,020 |
| Credit loss provision to net charge-offs | 58.8235% | 1,915 |
| Earnings coverage of net charge-offs (x) | 18.0196% | 1,578 |
| Efficiency ratio | 54.0040% | 5,124 |
| Assets per employee ($millions) | 4.9621% | 2,492 |
| Cash dividends to net income (ytd only)* | 40.6393% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0863% | 570 |
| Loan loss allowance to noncurrent loans | 234.9081% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.6164% | 2,787 |
| Noncurrent loans to loans | 0.8881% | 2,252 |
| Net loans and leases to total assets | 61.9381% | 3,543 |
| Net loans and leases to deposits | 80.7146% | 2,651 |
| Net loans and leases to core deposits | 118.0355% | 525 |
| Total domestic deposits to total assets | 76.7372% | 5,146 |
| Equity capital to assets | 14.6315% | 724 |
| Core capital (leverage) ratio | 14.7470% | 654 |
| Tier 1 risk-based capital ratio | 20.7579% | 1,252 |
| Total risk-based capital ratio | 22.0155% | 1,231 |
| Memoranda: | ||
| Average total assets | $203,023,000 | 2,961 |
| Average earning assets | $192,306,500 | 2,906 |
| Average equity | $29,228,500 | 2,429 |
| Average total loans | $128,258,000 | 2,988 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7839% | 915 |
| Cost of funding earning assets | 0.9988% | 177 |
| Net interest margin | 3.7851% | 2,371 |
| Noninterest income to average assets | 0.2750% | 4,772 |
| Noninterest expense to average assets | 2.1354% | 4,925 |
| Loan and lease loss provision to assets | 0.0609% | 3,158 |
| Net operating income to assets | 1.6655% | 589 |
| Return on assets (ROA) | 1.6573% | 626 |
| Pretax return on assets | 1.6573% | 1,112 |
| Return on Equity (ROE) | 11.1735% | 1,515 |
| Retained earnings to average equity (ytd only) | 5.7749% | 1,840 |
| Net charge-offs to loans | 0.0816% | 2,524 |
| Credit loss provision to net charge-offs | 123.7113% | 2,161 |
| Earnings coverage of net charge-offs (x) | 35.0722% | 1,297 |
| Efficiency ratio | 55.2957% | 5,128 |
| Assets per employee ($millions) | 4.9415% | 2,454 |
| Cash dividends to net income (ytd only)* | 48.3160% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1162% | 533 |
| Loan loss allowance to noncurrent loans | 278.8660% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.5173% | 3,193 |
| Noncurrent loans to loans | 0.7589% | 2,640 |
| Net loans and leases to total assets | 61.7549% | 3,642 |
| Net loans and leases to deposits | 80.2792% | 2,860 |
| Net loans and leases to core deposits | 116.3015% | 604 |
| Total domestic deposits to total assets | 76.9251% | 5,125 |
| Equity capital to assets | 14.1608% | 838 |
| Core capital (leverage) ratio | 14.2463% | 748 |
| Tier 1 risk-based capital ratio | 20.8953% | 1,232 |
| Total risk-based capital ratio | 22.1538% | 1,205 |
| Memoranda: | ||
| Average total assets | $197,061,800 | 2,986 |
| Average earning assets | $186,730,600 | 2,930 |
| Average equity | $29,229,800 | 2,427 |
| Average total loans | $118,931,000 | 3,082 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7557% | 972 |
| Cost of funding earning assets | 0.9992% | 172 |
| Net interest margin | 3.7566% | 2,501 |
| Noninterest income to average assets | 0.2753% | 4,805 |
| Noninterest expense to average assets | 2.1354% | 4,924 |
| Loan and lease loss provision to assets | 0.0613% | 3,010 |
| Net operating income to assets | 1.6394% | 671 |
| Return on assets (ROA) | 1.6210% | 741 |
| Pretax return on assets | 1.6210% | 1,326 |
| Return on Equity (ROE) | 10.8018% | 1,749 |
| Retained earnings to average equity (ytd only) | 5.8845% | 2,247 |
| Net charge-offs to loans | 0.0663% | 2,388 |
| Credit loss provision to net charge-offs | 155.1724% | 1,734 |
| Earnings coverage of net charge-offs (x) | 43.0353% | 1,185 |
| Efficiency ratio | 55.6661% | 5,093 |
| Assets per employee ($millions) | 4.9418% | 2,434 |
| Cash dividends to net income (ytd only)* | 45.5232% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2014% | 520 |
| Loan loss allowance to noncurrent loans | 343.2364% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.4457% | 3,638 |
| Noncurrent loans to loans | 0.6414% | 3,098 |
| Net loans and leases to total assets | 59.5288% | 3,936 |
| Net loans and leases to deposits | 80.1522% | 2,944 |
| Net loans and leases to core deposits | 110.3393% | 890 |
| Total domestic deposits to total assets | 74.2697% | 5,407 |
| Equity capital to assets | 14.8682% | 769 |
| Core capital (leverage) ratio | 14.3782% | 757 |
| Tier 1 risk-based capital ratio | 21.1238% | 1,244 |
| Total risk-based capital ratio | 22.3827% | 1,219 |
| Memoranda: | ||
| Average total assets | $195,677,000 | 3,010 |
| Average earning assets | $185,484,000 | 2,960 |
| Average equity | $29,364,750 | 2,418 |
| Average total loans | $116,708,500 | 3,123 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7449% | 964 |
| Cost of funding earning assets | 1.0027% | 168 |
| Net interest margin | 3.7422% | 2,542 |
| Noninterest income to average assets | 0.2720% | 4,835 |
| Noninterest expense to average assets | 2.1472% | 4,961 |
| Loan and lease loss provision to assets | 0.0621% | 2,892 |
| Net operating income to assets | 1.6063% | 713 |
| Return on assets (ROA) | 1.5887% | 786 |
| Pretax return on assets | 1.5887% | 1,401 |
| Return on Equity (ROE) | 10.5526% | 1,828 |
| Retained earnings to average equity (ytd only) | 5.5511% | 2,394 |
| Net charge-offs to loans | 0.0646% | 2,274 |
| Credit loss provision to net charge-offs | 162.1622% | 1,517 |
| Earnings coverage of net charge-offs (x) | 43.5946% | 1,092 |
| Efficiency ratio | 56.2754% | 5,116 |
| Assets per employee ($millions) | 4.8487% | 2,484 |
| Cash dividends to net income (ytd only)* | 47.3958% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3357% | 441 |
| Loan loss allowance to noncurrent loans | 440.0000% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.4241% | 3,806 |
| Noncurrent loans to loans | 0.5308% | 3,489 |
| Net loans and leases to total assets | 56.9156% | 4,215 |
| Net loans and leases to deposits | 76.3778% | 3,338 |
| Net loans and leases to core deposits | 103.7961% | 1,332 |
| Total domestic deposits to total assets | 74.5186% | 5,466 |
| Equity capital to assets | 15.0244% | 723 |
| Core capital (leverage) ratio | 14.6378% | 684 |
| Tier 1 risk-based capital ratio | 21.8313% | 1,155 |
| Total risk-based capital ratio | 23.0917% | 1,137 |
| Memoranda: | ||
| Average total assets | $193,365,000 | 3,057 |
| Average earning assets | $183,102,670 | 3,007 |
| Average equity | $29,111,330 | 2,444 |
| Average total loans | $114,502,000 | 3,171 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8681% | 734 |
| Cost of funding earning assets | 1.0225% | 147 |
| Net interest margin | 3.8456% | 2,122 |
| Noninterest income to average assets | 0.2937% | 4,622 |
| Noninterest expense to average assets | 2.1757% | 4,963 |
| Loan and lease loss provision to assets | 0.0629% | 2,694 |
| Net operating income to assets | 1.6848% | 596 |
| Return on assets (ROA) | 1.6533% | 673 |
| Pretax return on assets | 1.6533% | 1,174 |
| Return on Equity (ROE) | 10.9700% | 1,609 |
| Retained earnings to average equity (ytd only) | 5.7913% | 2,478 |
| Net charge-offs to loans | -0.0141% | 4,683 |
| Credit loss provision to net charge-offs | -750.0000% | 4,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4545% | 5,242 |
| Assets per employee ($millions) | 4.6099% | 2,878 |
| Cash dividends to net income (ytd only)* | 47.2081% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4029% | 439 |
| Loan loss allowance to noncurrent loans | 544.6894% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.3661% | 4,102 |
| Noncurrent loans to loans | 0.4411% | 3,860 |
| Net loans and leases to total assets | 58.4096% | 3,994 |
| Net loans and leases to deposits | 79.4406% | 2,869 |
| Net loans and leases to core deposits | 114.6303% | 642 |
| Total domestic deposits to total assets | 73.5261% | 5,653 |
| Equity capital to assets | 15.3763% | 624 |
| Core capital (leverage) ratio | 14.7533% | 653 |
| Tier 1 risk-based capital ratio | 22.3891% | 1,106 |
| Total risk-based capital ratio | 23.6505% | 1,082 |
| Memoranda: | ||
| Average total assets | $190,649,500 | 3,086 |
| Average earning assets | $179,946,000 | 3,048 |
| Average equity | $28,733,000 | 2,457 |
| Average total loans | $113,827,000 | 3,185 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9113% | 748 |
| Cost of funding earning assets | 1.0997% | 101 |
| Net interest margin | 3.8116% | 2,332 |
| Noninterest income to average assets | 0.3194% | 4,609 |
| Noninterest expense to average assets | 2.2264% | 4,989 |
| Loan and lease loss provision to assets | 0.0742% | 2,788 |
| Net operating income to assets | 1.6124% | 687 |
| Return on assets (ROA) | 1.8284% | 471 |
| Pretax return on assets | 1.8284% | 758 |
| Return on Equity (ROE) | 12.3084% | 1,229 |
| Retained earnings to average equity (ytd only) | 6.9165% | 1,316 |
| Net charge-offs to loans | 0.0695% | 2,853 |
| Credit loss provision to net charge-offs | 177.6316% | 1,528 |
| Earnings coverage of net charge-offs (x) | 40.3684% | 1,173 |
| Efficiency ratio | 56.8980% | 5,262 |
| Assets per employee ($millions) | 4.6901% | 2,739 |
| Cash dividends to net income (ytd only)* | 43.8064% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3424% | 487 |
| Loan loss allowance to noncurrent loans | 948.0565% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.1909% | 4,838 |
| Noncurrent loans to loans | 0.2471% | 4,548 |
| Net loans and leases to total assets | 58.1693% | 4,062 |
| Net loans and leases to deposits | 78.5318% | 2,993 |
| Net loans and leases to core deposits | 114.4213% | 663 |
| Total domestic deposits to total assets | 74.0710% | 5,636 |
| Equity capital to assets | 14.7711% | 713 |
| Core capital (leverage) ratio | 14.6970% | 671 |
| Tier 1 risk-based capital ratio | 22.0519% | 1,136 |
| Total risk-based capital ratio | 23.3129% | 1,112 |
| Memoranda: | ||
| Average total assets | $181,904,400 | 3,136 |
| Average earning assets | $171,501,600 | 3,105 |
| Average equity | $27,022,200 | 2,548 |
| Average total loans | $109,397,200 | 3,207 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9327% | 713 |
| Cost of funding earning assets | 1.1096% | 95 |
| Net interest margin | 3.8230% | 2,298 |
| Noninterest income to average assets | 0.3510% | 4,434 |
| Noninterest expense to average assets | 2.2330% | 4,960 |
| Loan and lease loss provision to assets | 0.0781% | 2,617 |
| Net operating income to assets | 1.6470% | 693 |
| Return on assets (ROA) | 1.7370% | 603 |
| Pretax return on assets | 1.7370% | 1,012 |
| Return on Equity (ROE) | 11.6753% | 1,472 |
| Retained earnings to average equity (ytd only) | 6.1625% | 2,146 |
| Net charge-offs to loans | 0.0555% | 2,808 |
| Credit loss provision to net charge-offs | 233.3333% | 1,195 |
| Earnings coverage of net charge-offs (x) | 51.5543% | 1,015 |
| Efficiency ratio | 56.4156% | 5,293 |
| Assets per employee ($millions) | 4.4992% | 3,010 |
| Cash dividends to net income (ytd only)* | 47.2175% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3911% | 508 |
| Loan loss allowance to noncurrent loans | 1,308.7805% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.1567% | 5,133 |
| Noncurrent loans to loans | 0.1827% | 4,913 |
| Net loans and leases to total assets | 59.3724% | 3,953 |
| Net loans and leases to deposits | 81.3983% | 2,717 |
| Net loans and leases to core deposits | 129.0966% | 290 |
| Total domestic deposits to total assets | 72.9406% | 5,793 |
| Equity capital to assets | 15.0503% | 727 |
| Core capital (leverage) ratio | 14.8660% | 660 |
| Tier 1 risk-based capital ratio | 22.2011% | 1,166 |
| Total risk-based capital ratio | 23.4627% | 1,142 |
| Memoranda: | ||
| Average total assets | $179,307,000 | 3,201 |
| Average earning assets | $169,180,750 | 3,162 |
| Average equity | $26,676,750 | 2,590 |
| Average total loans | $108,111,750 | 3,262 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9050% | 724 |
| Cost of funding earning assets | 1.1154% | 87 |
| Net interest margin | 3.7897% | 2,358 |
| Noninterest income to average assets | 0.3266% | 4,611 |
| Noninterest expense to average assets | 2.2096% | 5,088 |
| Loan and lease loss provision to assets | 0.0845% | 2,430 |
| Net operating income to assets | 1.6217% | 715 |
| Return on assets (ROA) | 1.6916% | 663 |
| Pretax return on assets | 1.6916% | 1,098 |
| Return on Equity (ROE) | 11.4157% | 1,552 |
| Retained earnings to average equity (ytd only) | 6.0499% | 2,216 |
| Net charge-offs to loans | 0.1686% | 1,455 |
| Credit loss provision to net charge-offs | 83.3333% | 2,288 |
| Earnings coverage of net charge-offs (x) | 16.8333% | 1,886 |
| Efficiency ratio | 56.4280% | 5,391 |
| Assets per employee ($millions) | 4.0753% | 3,732 |
| Cash dividends to net income (ytd only)* | 47.0040% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3496% | 595 |
| Loan loss allowance to noncurrent loans | 795.4268% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.2432% | 4,902 |
| Noncurrent loans to loans | 0.2954% | 4,625 |
| Net loans and leases to total assets | 60.4695% | 3,761 |
| Net loans and leases to deposits | 85.1098% | 2,165 |
| Net loans and leases to core deposits | 130.0498% | 274 |
| Total domestic deposits to total assets | 71.0488% | 5,984 |
| Equity capital to assets | 14.9990% | 704 |
| Core capital (leverage) ratio | 14.9818% | 617 |
| Tier 1 risk-based capital ratio | 22.0441% | 1,205 |
| Total risk-based capital ratio | 23.3059% | 1,181 |
| Memoranda: | ||
| Average total assets | $177,586,670 | 3,249 |
| Average earning assets | $168,194,670 | 3,189 |
| Average equity | $26,314,670 | 2,634 |
| Average total loans | $106,747,000 | 3,305 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7947% | 871 |
| Cost of funding earning assets | 1.1322% | 78 |
| Net interest margin | 3.6625% | 2,767 |
| Noninterest income to average assets | 0.3191% | 4,633 |
| Noninterest expense to average assets | 2.2023% | 5,138 |
| Loan and lease loss provision to assets | 0.1019% | 1,998 |
| Net operating income to assets | 1.5074% | 836 |
| Return on assets (ROA) | 1.4984% | 902 |
| Pretax return on assets | 1.4984% | 1,572 |
| Return on Equity (ROE) | 10.1750% | 1,918 |
| Retained earnings to average equity (ytd only) | 4.7494% | 3,193 |
| Net charge-offs to loans | 0.0880% | 1,841 |
| Credit loss provision to net charge-offs | 195.6522% | 1,068 |
| Earnings coverage of net charge-offs (x) | 30.9130% | 1,135 |
| Efficiency ratio | 57.7791% | 5,362 |
| Assets per employee ($millions) | 4.1273% | 3,704 |
| Cash dividends to net income (ytd only)* | 53.3233% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5350% | 506 |
| Loan loss allowance to noncurrent loans | 782.5444% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.2411% | 4,974 |
| Noncurrent loans to loans | 0.3239% | 4,629 |
| Net loans and leases to total assets | 58.6657% | 3,850 |
| Net loans and leases to deposits | 80.1535% | 2,544 |
| Net loans and leases to core deposits | 120.8040% | 392 |
| Total domestic deposits to total assets | 73.1916% | 5,964 |
| Equity capital to assets | 15.3065% | 657 |
| Core capital (leverage) ratio | 14.3044% | 738 |
| Tier 1 risk-based capital ratio | 22.5786% | 1,161 |
| Total risk-based capital ratio | 23.8417% | 1,146 |
| Memoranda: | ||
| Average total assets | $176,724,000 | 3,280 |
| Average earning assets | $168,518,500 | 3,201 |
| Average equity | $26,024,500 | 2,673 |
| Average total loans | $104,601,500 | 3,364 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0888% | 653 |
| Cost of funding earning assets | 1.2756% | 61 |
| Net interest margin | 3.8131% | 2,578 |
| Noninterest income to average assets | 0.3775% | 4,366 |
| Noninterest expense to average assets | 2.2316% | 5,278 |
| Loan and lease loss provision to assets | 0.1028% | 2,439 |
| Net operating income to assets | 1.6737% | 609 |
| Return on assets (ROA) | 1.6954% | 603 |
| Pretax return on assets | 1.6954% | 994 |
| Return on Equity (ROE) | 12.1077% | 1,383 |
| Retained earnings to average equity (ytd only) | 5.5869% | 2,201 |
| Net charge-offs to loans | 0.1668% | 2,362 |
| Credit loss provision to net charge-offs | 103.4483% | 2,315 |
| Earnings coverage of net charge-offs (x) | 17.8793% | 1,882 |
| Efficiency ratio | 55.6774% | 5,700 |
| Assets per employee ($millions) | 4.1884% | 3,565 |
| Cash dividends to net income (ytd only)* | 53.8565% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5023% | 550 |
| Loan loss allowance to noncurrent loans | 539.9177% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.3209% | 4,759 |
| Noncurrent loans to loans | 0.4635% | 4,261 |
| Net loans and leases to total assets | 56.7675% | 4,232 |
| Net loans and leases to deposits | 76.6785% | 3,121 |
| Net loans and leases to core deposits | 114.1301% | 599 |
| Total domestic deposits to total assets | 74.0332% | 5,949 |
| Equity capital to assets | 14.1674% | 908 |
| Core capital (leverage) ratio | 13.7960% | 866 |
| Tier 1 risk-based capital ratio | 21.7252% | 1,262 |
| Total risk-based capital ratio | 22.9884% | 1,239 |
| Memoranda: | ||
| Average total assets | $175,121,400 | 3,270 |
| Average earning assets | $166,739,600 | 3,197 |
| Average equity | $24,521,600 | 2,710 |
| Average total loans | $104,301,200 | 3,338 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1653% | 559 |
| Cost of funding earning assets | 1.2881% | 61 |
| Net interest margin | 3.8772% | 2,330 |
| Noninterest income to average assets | 0.3872% | 4,336 |
| Noninterest expense to average assets | 2.2284% | 5,287 |
| Loan and lease loss provision to assets | 0.1035% | 2,312 |
| Net operating income to assets | 1.7483% | 563 |
| Return on assets (ROA) | 1.7790% | 544 |
| Pretax return on assets | 1.7790% | 924 |
| Return on Equity (ROE) | 12.7436% | 1,287 |
| Retained earnings to average equity (ytd only) | 6.1521% | 2,313 |
| Net charge-offs to loans | 0.2202% | 1,720 |
| Credit loss provision to net charge-offs | 78.4884% | 2,623 |
| Earnings coverage of net charge-offs (x) | 14.0406% | 2,172 |
| Efficiency ratio | 54.6138% | 5,765 |
| Assets per employee ($millions) | 4.0798% | 3,709 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5131% | 641 |
| Loan loss allowance to noncurrent loans | 577.4049% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.3329% | 4,935 |
| Noncurrent loans to loans | 0.4352% | 4,594 |
| Net loans and leases to total assets | 57.0714% | 4,191 |
| Net loans and leases to deposits | 78.7858% | 2,866 |
| Net loans and leases to core deposits | 121.2868% | 367 |
| Total domestic deposits to total assets | 72.4387% | 6,141 |
| Equity capital to assets | 14.2301% | 931 |
| Core capital (leverage) ratio | 13.8333% | 887 |
| Tier 1 risk-based capital ratio | 21.7384% | 1,301 |
| Total risk-based capital ratio | 23.0014% | 1,282 |
| Memoranda: | ||
| Average total assets | $173,876,000 | 3,307 |
| Average earning assets | $165,613,750 | 3,236 |
| Average equity | $24,273,000 | 2,738 |
| Average total loans | $104,160,500 | 3,369 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1922% | 516 |
| Cost of funding earning assets | 1.2817% | 63 |
| Net interest margin | 3.9104% | 2,118 |
| Noninterest income to average assets | 0.3888% | 4,327 |
| Noninterest expense to average assets | 2.1747% | 5,475 |
| Loan and lease loss provision to assets | 0.1038% | 2,288 |
| Net operating income to assets | 1.8413% | 450 |
| Return on assets (ROA) | 1.8851% | 433 |
| Pretax return on assets | 1.8851% | 705 |
| Return on Equity (ROE) | 13.5925% | 1,036 |
| Retained earnings to average equity (ytd only) | 6.9377% | 1,800 |
| Net charge-offs to loans | 0.1032% | 2,648 |
| Credit loss provision to net charge-offs | 166.6667% | 1,350 |
| Earnings coverage of net charge-offs (x) | 31.2222% | 1,221 |
| Efficiency ratio | 52.7863% | 6,008 |
| Assets per employee ($millions) | 4.0191% | 3,798 |
| Cash dividends to net income (ytd only)* | 48.9596% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5835% | 632 |
| Loan loss allowance to noncurrent loans | 663.2500% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.2806% | 5,243 |
| Noncurrent loans to loans | 0.3895% | 4,826 |
| Net loans and leases to total assets | 57.8856% | 4,008 |
| Net loans and leases to deposits | 80.2997% | 2,479 |
| Net loans and leases to core deposits | 125.4864% | 276 |
| Total domestic deposits to total assets | 72.0869% | 6,245 |
| Equity capital to assets | 14.1637% | 912 |
| Core capital (leverage) ratio | 13.7084% | 916 |
| Tier 1 risk-based capital ratio | 21.5615% | 1,333 |
| Total risk-based capital ratio | 22.8254% | 1,308 |
| Memoranda: | ||
| Average total assets | $173,357,670 | 3,334 |
| Average earning assets | $165,403,330 | 3,256 |
| Average equity | $24,042,670 | 2,755 |
| Average total loans | $104,646,670 | 3,364 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2111% | 474 |
| Cost of funding earning assets | 1.2695% | 73 |
| Net interest margin | 3.9415% | 1,950 |
| Noninterest income to average assets | 0.4032% | 4,161 |
| Noninterest expense to average assets | 2.0089% | 5,864 |
| Loan and lease loss provision to assets | 0.1037% | 2,193 |
| Net operating income to assets | 2.0458% | 309 |
| Return on assets (ROA) | 2.0389% | 329 |
| Pretax return on assets | 2.0389% | 492 |
| Return on Equity (ROE) | 14.8583% | 801 |
| Retained earnings to average equity (ytd only) | 14.8583% | 335 |
| Net charge-offs to loans | 0.1818% | 1,630 |
| Credit loss provision to net charge-offs | 93.7500% | 1,765 |
| Earnings coverage of net charge-offs (x) | 19.4375% | 1,375 |
| Efficiency ratio | 48.3102% | 6,342 |
| Assets per employee ($millions) | 4.6885% | 2,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5261% | 792 |
| Loan loss allowance to noncurrent loans | 794.8328% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.2012% | 5,618 |
| Noncurrent loans to loans | 0.3178% | 5,151 |
| Net loans and leases to total assets | 58.1669% | 3,819 |
| Net loans and leases to deposits | 80.7919% | 2,190 |
| Net loans and leases to core deposits | 125.3260% | 236 |
| Total domestic deposits to total assets | 71.9960% | 6,362 |
| Equity capital to assets | 14.1110% | 885 |
| Core capital (leverage) ratio | 13.7986% | 893 |
| Tier 1 risk-based capital ratio | 21.3685% | 1,406 |
| Total risk-based capital ratio | 22.6319% | 1,378 |
| Memoranda: | ||
| Average total assets | $173,625,500 | 3,354 |
| Average earning assets | $165,417,500 | 3,272 |
| Average equity | $23,825,000 | 2,772 |
| Average total loans | $105,624,000 | 3,353 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2660% | 564 |
| Cost of funding earning assets | 1.3523% | 88 |
| Net interest margin | 3.9136% | 2,241 |
| Noninterest income to average assets | 0.3995% | 4,445 |
| Noninterest expense to average assets | 1.9670% | 6,080 |
| Loan and lease loss provision to assets | 0.1813% | 2,032 |
| Net operating income to assets | 1.9895% | 346 |
| Return on assets (ROA) | 1.9924% | 347 |
| Pretax return on assets | 1.9924% | 492 |
| Return on Equity (ROE) | 15.0308% | 754 |
| Retained earnings to average equity (ytd only) | 6.8575% | 1,498 |
| Net charge-offs to loans | 0.0903% | 3,943 |
| Credit loss provision to net charge-offs | 324.7423% | 712 |
| Earnings coverage of net charge-offs (x) | 38.8763% | 972 |
| Efficiency ratio | 47.5376% | 6,503 |
| Assets per employee ($millions) | 4.8271% | 2,408 |
| Cash dividends to net income (ytd only)* | 54.3773% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4302% | 897 |
| Loan loss allowance to noncurrent loans | 425.0000% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.3660% | 5,153 |
| Noncurrent loans to loans | 0.5718% | 4,556 |
| Net loans and leases to total assets | 60.4859% | 3,628 |
| Net loans and leases to deposits | 83.5758% | 1,983 |
| Net loans and leases to core deposits | 128.4995% | 209 |
| Total domestic deposits to total assets | 72.3725% | 6,399 |
| Equity capital to assets | 13.3338% | 1,129 |
| Core capital (leverage) ratio | 13.4026% | 990 |
| Tier 1 risk-based capital ratio | 19.9475% | 1,666 |
| Total risk-based capital ratio | 21.2098% | 1,633 |
| Memoranda: | ||
| Average total assets | $173,713,800 | 3,352 |
| Average earning assets | $165,933,800 | 3,268 |
| Average equity | $23,026,000 | 2,818 |
| Average total loans | $107,478,200 | 3,293 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2578% | 572 |
| Cost of funding earning assets | 1.3667% | 86 |
| Net interest margin | 3.8910% | 2,311 |
| Noninterest income to average assets | 0.3961% | 4,560 |
| Noninterest expense to average assets | 1.9466% | 6,103 |
| Loan and lease loss provision to assets | 0.2073% | 1,751 |
| Net operating income to assets | 1.9551% | 396 |
| Return on assets (ROA) | 1.9689% | 393 |
| Pretax return on assets | 1.9689% | 616 |
| Return on Equity (ROE) | 14.8758% | 817 |
| Retained earnings to average equity (ytd only) | 7.9164% | 1,444 |
| Net charge-offs to loans | 0.1130% | 3,415 |
| Credit loss provision to net charge-offs | 296.7033% | 861 |
| Earnings coverage of net charge-offs (x) | 30.9562% | 1,214 |
| Efficiency ratio | 47.3753% | 6,532 |
| Assets per employee ($millions) | 4.8122% | 2,422 |
| Cash dividends to net income (ytd only)* | 46.7837% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4296% | 1,013 |
| Loan loss allowance to noncurrent loans | 630.3178% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.2547% | 5,675 |
| Noncurrent loans to loans | 0.3854% | 5,237 |
| Net loans and leases to total assets | 61.4703% | 3,456 |
| Net loans and leases to deposits | 86.2494% | 1,589 |
| Net loans and leases to core deposits | 139.0083% | 126 |
| Total domestic deposits to total assets | 71.2705% | 6,534 |
| Equity capital to assets | 13.6410% | 1,066 |
| Core capital (leverage) ratio | 13.1152% | 1,159 |
| Tier 1 risk-based capital ratio | 20.3035% | 1,654 |
| Total risk-based capital ratio | 21.5664% | 1,623 |
| Memoranda: | ||
| Average total assets | $173,698,250 | 3,379 |
| Average earning assets | $165,744,500 | 3,302 |
| Average equity | $22,989,750 | 2,854 |
| Average total loans | $107,415,750 | 3,319 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2293% | 602 |
| Cost of funding earning assets | 1.3566% | 106 |
| Net interest margin | 3.8727% | 2,303 |
| Noninterest income to average assets | 0.3876% | 4,616 |
| Noninterest expense to average assets | 1.9367% | 6,158 |
| Loan and lease loss provision to assets | 0.2052% | 1,842 |
| Net operating income to assets | 1.9424% | 391 |
| Return on assets (ROA) | 1.9492% | 419 |
| Pretax return on assets | 1.9492% | 669 |
| Return on Equity (ROE) | 14.8730% | 828 |
| Retained earnings to average equity (ytd only) | 7.9149% | 1,521 |
| Net charge-offs to loans | 0.0408% | 4,105 |
| Credit loss provision to net charge-offs | 818.1818% | 374 |
| Earnings coverage of net charge-offs (x) | 85.6364% | 532 |
| Efficiency ratio | 47.4184% | 6,572 |
| Assets per employee ($millions) | 5.0106% | 2,104 |
| Cash dividends to net income (ytd only)* | 46.7836% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3374% | 1,199 |
| Loan loss allowance to noncurrent loans | 846.6887% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 5,944 |
| Noncurrent loans to loans | 0.2761% | 5,610 |
| Net loans and leases to total assets | 60.9209% | 3,497 |
| Net loans and leases to deposits | 86.5946% | 1,500 |
| Net loans and leases to core deposits | 140.2300% | 132 |
| Total domestic deposits to total assets | 70.3518% | 6,648 |
| Equity capital to assets | 13.1231% | 1,302 |
| Core capital (leverage) ratio | 12.6205% | 1,312 |
| Tier 1 risk-based capital ratio | 19.2651% | 1,917 |
| Total risk-based capital ratio | 20.5268% | 1,883 |
| Memoranda: | ||
| Average total assets | $175,455,670 | 3,369 |
| Average earning assets | $167,480,330 | 3,298 |
| Average equity | $22,994,670 | 2,867 |
| Average total loans | $107,851,000 | 3,324 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1955% | 609 |
| Cost of funding earning assets | 1.3721% | 115 |
| Net interest margin | 3.8233% | 2,366 |
| Noninterest income to average assets | 0.3419% | 4,958 |
| Noninterest expense to average assets | 1.9738% | 6,156 |
| Loan and lease loss provision to assets | 0.2051% | 1,809 |
| Net operating income to assets | 1.8211% | 463 |
| Return on assets (ROA) | 1.8074% | 528 |
| Pretax return on assets | 1.8074% | 867 |
| Return on Equity (ROE) | 13.8003% | 1,000 |
| Retained earnings to average equity (ytd only) | 13.8003% | 469 |
| Net charge-offs to loans | 0.0859% | 2,980 |
| Credit loss provision to net charge-offs | 391.3043% | 648 |
| Earnings coverage of net charge-offs (x) | 38.6522% | 815 |
| Efficiency ratio | 49.3447% | 6,542 |
| Assets per employee ($millions) | 5.0174% | 2,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3410% | 1,345 |
| Loan loss allowance to noncurrent loans | 865.6140% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.1794% | 6,030 |
| Noncurrent loans to loans | 0.2704% | 5,731 |
| Net loans and leases to total assets | 58.6046% | 3,675 |
| Net loans and leases to deposits | 81.5375% | 1,891 |
| Net loans and leases to core deposits | 130.2425% | 175 |
| Total domestic deposits to total assets | 71.8744% | 6,663 |
| Equity capital to assets | 13.3091% | 1,292 |
| Core capital (leverage) ratio | 12.7240% | 1,235 |
| Tier 1 risk-based capital ratio | 19.9537% | 1,783 |
| Total risk-based capital ratio | 21.2153% | 1,749 |
| Memoranda: | ||
| Average total assets | $175,498,500 | 3,403 |
| Average earning assets | $167,916,000 | 3,309 |
| Average equity | $22,985,000 | 2,924 |
| Average total loans | $107,079,500 | 3,355 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6048% | 504 |
| Cost of funding earning assets | 1.6216% | 99 |
| Net interest margin | 3.9831% | 2,471 |
| Noninterest income to average assets | 0.3829% | 4,730 |
| Noninterest expense to average assets | 2.0479% | 6,241 |
| Loan and lease loss provision to assets | 0.2033% | 3,108 |
| Net operating income to assets | 1.9383% | 405 |
| Return on assets (ROA) | 1.8479% | 527 |
| Pretax return on assets | 1.8479% | 834 |
| Return on Equity (ROE) | 14.9161% | 824 |
| Retained earnings to average equity (ytd only) | 6.3366% | 1,905 |
| Net charge-offs to loans | 0.1575% | 4,122 |
| Credit loss provision to net charge-offs | 213.0178% | 1,192 |
| Earnings coverage of net charge-offs (x) | 22.4379% | 1,263 |
| Efficiency ratio | 48.8811% | 6,656 |
| Assets per employee ($millions) | 5.0111% | 2,216 |
| Cash dividends to net income (ytd only)* | 57.5183% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2054% | 1,542 |
| Loan loss allowance to noncurrent loans | 1,187.6238% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.1984% | 6,063 |
| Noncurrent loans to loans | 0.1857% | 6,008 |
| Net loans and leases to total assets | 60.6530% | 3,481 |
| Net loans and leases to deposits | 85.5947% | 1,563 |
| Net loans and leases to core deposits | 132.1958% | 172 |
| Total domestic deposits to total assets | 70.8606% | 6,753 |
| Equity capital to assets | 12.8846% | 1,500 |
| Core capital (leverage) ratio | 12.1532% | 1,477 |
| Tier 1 risk-based capital ratio | 18.8426% | 2,000 |
| Total risk-based capital ratio | 20.1036% | 1,968 |
| Memoranda: | ||
| Average total assets | $177,061,800 | 3,347 |
| Average earning assets | $169,213,400 | 3,241 |
| Average equity | $21,936,000 | 2,978 |
| Average total loans | $107,325,000 | 3,349 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6480% | 514 |
| Cost of funding earning assets | 1.6704% | 95 |
| Net interest margin | 3.9776% | 2,588 |
| Noninterest income to average assets | 0.3433% | 5,065 |
| Noninterest expense to average assets | 2.0404% | 6,290 |
| Loan and lease loss provision to assets | 0.2028% | 3,051 |
| Net operating income to assets | 1.9051% | 446 |
| Return on assets (ROA) | 1.7699% | 673 |
| Pretax return on assets | 1.7699% | 1,119 |
| Return on Equity (ROE) | 14.4289% | 1,017 |
| Retained earnings to average equity (ytd only) | 7.0797% | 2,081 |
| Net charge-offs to loans | 0.1832% | 3,651 |
| Credit loss provision to net charge-offs | 183.6735% | 1,512 |
| Earnings coverage of net charge-offs (x) | 19.0880% | 1,517 |
| Efficiency ratio | 49.1851% | 6,649 |
| Assets per employee ($millions) | 4.9787% | 2,217 |
| Cash dividends to net income (ytd only)* | 50.9339% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1411% | 1,827 |
| Loan loss allowance to noncurrent loans | 1,260.5405% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.2554% | 6,058 |
| Noncurrent loans to loans | 0.1699% | 6,184 |
| Net loans and leases to total assets | 61.1644% | 3,541 |
| Net loans and leases to deposits | 86.5866% | 1,532 |
| Net loans and leases to core deposits | 139.0901% | 142 |
| Total domestic deposits to total assets | 70.6396% | 6,815 |
| Equity capital to assets | 12.8851% | 1,650 |
| Core capital (leverage) ratio | 12.0182% | 1,643 |
| Tier 1 risk-based capital ratio | 18.5507% | 2,142 |
| Total risk-based capital ratio | 19.8104% | 2,109 |
| Memoranda: | ||
| Average total assets | $177,480,250 | 3,388 |
| Average earning assets | $169,780,000 | 3,269 |
| Average equity | $21,770,500 | 3,025 |
| Average total loans | $106,962,000 | 3,393 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5898% | 586 |
| Cost of funding earning assets | 1.6971% | 106 |
| Net interest margin | 3.8927% | 2,941 |
| Noninterest income to average assets | 0.3170% | 5,283 |
| Noninterest expense to average assets | 2.0498% | 6,335 |
| Loan and lease loss provision to assets | 0.2016% | 3,060 |
| Net operating income to assets | 1.7910% | 576 |
| Return on assets (ROA) | 1.7877% | 649 |
| Pretax return on assets | 1.7877% | 1,072 |
| Return on Equity (ROE) | 14.8169% | 967 |
| Retained earnings to average equity (ytd only) | 7.3899% | 1,917 |
| Net charge-offs to loans | 0.1467% | 3,739 |
| Credit loss provision to net charge-offs | 230.7692% | 1,236 |
| Earnings coverage of net charge-offs (x) | 22.8077% | 1,277 |
| Efficiency ratio | 50.7066% | 6,596 |
| Assets per employee ($millions) | 5.0617% | 2,087 |
| Cash dividends to net income (ytd only)* | 50.1253% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1008% | 1,997 |
| Loan loss allowance to noncurrent loans | 222.6397% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.6627% | 5,126 |
| Noncurrent loans to loans | 0.9436% | 4,624 |
| Net loans and leases to total assets | 60.7891% | 3,661 |
| Net loans and leases to deposits | 86.0444% | 1,588 |
| Net loans and leases to core deposits | 136.5964% | 167 |
| Total domestic deposits to total assets | 70.6486% | 6,872 |
| Equity capital to assets | 12.3499% | 1,911 |
| Core capital (leverage) ratio | 11.6442% | 1,815 |
| Tier 1 risk-based capital ratio | 17.8030% | 2,360 |
| Total risk-based capital ratio | 19.0619% | 2,323 |
| Memoranda: | ||
| Average total assets | $178,555,330 | 3,377 |
| Average earning assets | $170,883,000 | 3,262 |
| Average equity | $21,543,000 | 3,038 |
| Average total loans | $106,311,330 | 3,420 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5949% | 633 |
| Cost of funding earning assets | 1.7553% | 104 |
| Net interest margin | 3.8397% | 3,188 |
| Noninterest income to average assets | 0.2522% | 5,840 |
| Noninterest expense to average assets | 2.0351% | 6,402 |
| Loan and lease loss provision to assets | 0.2008% | 2,931 |
| Net operating income to assets | 1.6870% | 740 |
| Return on assets (ROA) | 1.6825% | 830 |
| Pretax return on assets | 1.6825% | 1,353 |
| Return on Equity (ROE) | 14.1099% | 1,166 |
| Retained earnings to average equity (ytd only) | 14.1099% | 554 |
| Net charge-offs to loans | -0.0038% | 5,767 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8771% | 6,556 |
| Assets per employee ($millions) | 5.1365% | 2,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1706% | 1,946 |
| Loan loss allowance to noncurrent loans | 186.9919% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.7643% | 5,015 |
| Noncurrent loans to loans | 1.1608% | 4,384 |
| Net loans and leases to total assets | 57.6623% | 4,098 |
| Net loans and leases to deposits | 80.1223% | 2,189 |
| Net loans and leases to core deposits | 130.1514% | 199 |
| Total domestic deposits to total assets | 71.9679% | 6,881 |
| Equity capital to assets | 12.0928% | 1,979 |
| Core capital (leverage) ratio | 11.4623% | 1,918 |
| Tier 1 risk-based capital ratio | 17.9773% | 2,300 |
| Total risk-based capital ratio | 19.2364% | 2,273 |
| Memoranda: | ||
| Average total assets | $179,253,000 | 3,391 |
| Average earning assets | $171,369,000 | 3,266 |
| Average equity | $21,375,000 | 3,064 |
| Average total loans | $104,464,500 | 3,494 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8712% | 555 |
| Cost of funding earning assets | 2.0128% | 93 |
| Net interest margin | 3.8584% | 3,522 |
| Noninterest income to average assets | 0.3857% | 4,741 |
| Noninterest expense to average assets | 1.9063% | 6,821 |
| Loan and lease loss provision to assets | 0.1782% | 4,410 |
| Net operating income to assets | 1.9885% | 314 |
| Return on assets (ROA) | 2.0149% | 322 |
| Pretax return on assets | 2.0149% | 518 |
| Return on Equity (ROE) | 17.2317% | 451 |
| Retained earnings to average equity (ytd only) | 7.9792% | 1,090 |
| Net charge-offs to loans | 0.2921% | 3,946 |
| Credit loss provision to net charge-offs | 104.3771% | 3,290 |
| Earnings coverage of net charge-offs (x) | 12.6902% | 1,599 |
| Efficiency ratio | 46.8031% | 7,008 |
| Assets per employee ($millions) | 5.1066% | 2,052 |
| Cash dividends to net income (ytd only)* | 53.6947% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1454% | 1,903 |
| Loan loss allowance to noncurrent loans | 508.9862% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.3944% | 5,985 |
| Noncurrent loans to loans | 0.4215% | 5,865 |
| Net loans and leases to total assets | 56.3739% | 4,639 |
| Net loans and leases to deposits | 78.4797% | 2,762 |
| Net loans and leases to core deposits | 121.7181% | 327 |
| Total domestic deposits to total assets | 71.8324% | 6,878 |
| Equity capital to assets | 11.7552% | 2,302 |
| Core capital (leverage) ratio | 11.2762% | 2,061 |
| Tier 1 risk-based capital ratio | 17.7661% | 2,273 |
| Total risk-based capital ratio | 19.0246% | 2,248 |
| Memoranda: | ||
| Average total assets | $173,949,800 | 3,434 |
| Average earning assets | $166,234,400 | 3,305 |
| Average equity | $20,340,400 | 3,090 |
| Average total loans | $101,665,000 | 3,578 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9146% | 544 |
| Cost of funding earning assets | 2.0674% | 90 |
| Net interest margin | 3.8472% | 3,630 |
| Noninterest income to average assets | 0.3527% | 5,032 |
| Noninterest expense to average assets | 1.8662% | 6,897 |
| Loan and lease loss provision to assets | 0.1698% | 4,350 |
| Net operating income to assets | 1.9935% | 344 |
| Return on assets (ROA) | 1.9943% | 375 |
| Pretax return on assets | 1.9943% | 630 |
| Return on Equity (ROE) | 17.0785% | 558 |
| Retained earnings to average equity (ytd only) | 9.1473% | 1,092 |
| Net charge-offs to loans | 0.0697% | 5,262 |
| Credit loss provision to net charge-offs | 415.0943% | 683 |
| Earnings coverage of net charge-offs (x) | 52.8905% | 613 |
| Efficiency ratio | 46.3130% | 7,042 |
| Assets per employee ($millions) | 4.9242% | 2,290 |
| Cash dividends to net income (ytd only)* | 46.4396% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3050% | 1,681 |
| Loan loss allowance to noncurrent loans | 400.5085% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.4642% | 5,931 |
| Noncurrent loans to loans | 0.5755% | 5,725 |
| Net loans and leases to total assets | 58.1116% | 4,496 |
| Net loans and leases to deposits | 82.6018% | 2,239 |
| Net loans and leases to core deposits | 131.5034% | 228 |
| Total domestic deposits to total assets | 70.3515% | 7,023 |
| Equity capital to assets | 12.2457% | 2,060 |
| Core capital (leverage) ratio | 11.3965% | 2,104 |
| Tier 1 risk-based capital ratio | 18.0137% | 2,246 |
| Total risk-based capital ratio | 19.2750% | 2,203 |
| Memoranda: | ||
| Average total assets | $172,754,750 | 3,473 |
| Average earning assets | $165,101,750 | 3,335 |
| Average equity | $20,173,000 | 3,120 |
| Average total loans | $101,339,750 | 3,616 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8564% | 643 |
| Cost of funding earning assets | 2.1061% | 98 |
| Net interest margin | 3.7503% | 4,032 |
| Noninterest income to average assets | 0.3540% | 5,056 |
| Noninterest expense to average assets | 1.8509% | 7,012 |
| Loan and lease loss provision to assets | 0.1735% | 4,194 |
| Net operating income to assets | 1.9180% | 393 |
| Return on assets (ROA) | 1.9168% | 420 |
| Pretax return on assets | 1.9168% | 679 |
| Return on Equity (ROE) | 16.6849% | 585 |
| Retained earnings to average equity (ytd only) | 8.6294% | 1,224 |
| Net charge-offs to loans | 0.0495% | 5,160 |
| Credit loss provision to net charge-offs | 600.0000% | 513 |
| Earnings coverage of net charge-offs (x) | 72.3200% | 470 |
| Efficiency ratio | 46.9484% | 7,114 |
| Assets per employee ($millions) | 5.0869% | 2,003 |
| Cash dividends to net income (ytd only)* | 48.2800% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2904% | 1,760 |
| Loan loss allowance to noncurrent loans | 589.0863% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.2822% | 6,426 |
| Noncurrent loans to loans | 0.3888% | 6,123 |
| Net loans and leases to total assets | 57.2481% | 4,777 |
| Net loans and leases to deposits | 81.2409% | 2,568 |
| Net loans and leases to core deposits | 128.9480% | 286 |
| Total domestic deposits to total assets | 70.4671% | 7,086 |
| Equity capital to assets | 11.8302% | 2,220 |
| Core capital (leverage) ratio | 11.1067% | 2,167 |
| Tier 1 risk-based capital ratio | 17.6168% | 2,302 |
| Total risk-based capital ratio | 18.8777% | 2,268 |
| Memoranda: | ||
| Average total assets | $172,891,000 | 3,482 |
| Average earning assets | $165,425,330 | 3,348 |
| Average equity | $19,862,330 | 3,151 |
| Average total loans | $100,947,670 | 3,661 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7340% | 828 |
| Cost of funding earning assets | 2.1560% | 99 |
| Net interest margin | 3.5780% | 4,666 |
| Noninterest income to average assets | 0.3078% | 5,466 |
| Noninterest expense to average assets | 1.8489% | 7,074 |
| Loan and lease loss provision to assets | 0.2777% | 2,933 |
| Net operating income to assets | 1.5990% | 695 |
| Return on assets (ROA) | 1.5990% | 739 |
| Pretax return on assets | 1.5990% | 1,194 |
| Return on Equity (ROE) | 14.1287% | 966 |
| Retained earnings to average equity (ytd only) | 5.9500% | 2,670 |
| Net charge-offs to loans | 0.0119% | 4,916 |
| Credit loss provision to net charge-offs | 4,000.0000% | 90 |
| Earnings coverage of net charge-offs (x) | 270.3333% | 111 |
| Efficiency ratio | 49.6273% | 7,013 |
| Assets per employee ($millions) | 5.0694% | 2,068 |
| Cash dividends to net income (ytd only)* | 57.8871% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3497% | 1,682 |
| Loan loss allowance to noncurrent loans | 347.2973% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.4003% | 6,202 |
| Noncurrent loans to loans | 0.6766% | 5,673 |
| Net loans and leases to total assets | 55.7711% | 5,031 |
| Net loans and leases to deposits | 79.1819% | 2,858 |
| Net loans and leases to core deposits | 121.2487% | 393 |
| Total domestic deposits to total assets | 70.4342% | 7,162 |
| Equity capital to assets | 11.4181% | 2,334 |
| Core capital (leverage) ratio | 10.7813% | 2,372 |
| Tier 1 risk-based capital ratio | 17.4162% | 2,338 |
| Total risk-based capital ratio | 18.6772% | 2,296 |
| Memoranda: | ||
| Average total assets | $172,858,500 | 3,507 |
| Average earning assets | $165,119,500 | 3,375 |
| Average equity | $19,563,000 | 3,175 |
| Average total loans | $100,754,000 | 3,699 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1598% | 620 |
| Cost of funding earning assets | 2.4374% | 135 |
| Net interest margin | 3.7225% | 4,261 |
| Noninterest income to average assets | 0.4455% | 4,554 |
| Noninterest expense to average assets | 1.8784% | 7,191 |
| Loan and lease loss provision to assets | 0.2366% | 4,916 |
| Net operating income to assets | 1.8778% | 353 |
| Return on assets (ROA) | 1.8926% | 367 |
| Pretax return on assets | 1.8926% | 624 |
| Return on Equity (ROE) | 16.6469% | 510 |
| Retained earnings to average equity (ytd only) | 6.8534% | 1,387 |
| Net charge-offs to loans | 0.2092% | 5,041 |
| Credit loss provision to net charge-offs | 186.9159% | 1,747 |
| Earnings coverage of net charge-offs (x) | 16.7009% | 1,194 |
| Efficiency ratio | 47.0440% | 7,314 |
| Assets per employee ($millions) | 5.2533% | 1,799 |
| Cash dividends to net income (ytd only)* | 58.8309% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1296% | 2,003 |
| Loan loss allowance to noncurrent loans | 287.6802% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.5566% | 5,914 |
| Noncurrent loans to loans | 0.7403% | 5,566 |
| Net loans and leases to total assets | 58.1879% | 5,000 |
| Net loans and leases to deposits | 84.0253% | 2,443 |
| Net loans and leases to core deposits | 130.7285% | 321 |
| Total domestic deposits to total assets | 69.2505% | 7,275 |
| Equity capital to assets | 11.2172% | 2,483 |
| Core capital (leverage) ratio | 10.5593% | 2,498 |
| Tier 1 risk-based capital ratio | 16.3597% | 2,590 |
| Total risk-based capital ratio | 17.6182% | 2,544 |
| Memoranda: | ||
| Average total assets | $169,026,800 | 3,558 |
| Average earning assets | $161,075,400 | 3,429 |
| Average equity | $19,216,800 | 3,254 |
| Average total loans | $102,273,200 | 3,735 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1949% | 622 |
| Cost of funding earning assets | 2.4788% | 156 |
| Net interest margin | 3.7161% | 4,322 |
| Noninterest income to average assets | 0.4620% | 4,472 |
| Noninterest expense to average assets | 1.8315% | 7,295 |
| Loan and lease loss provision to assets | 0.2858% | 4,284 |
| Net operating income to assets | 1.8927% | 413 |
| Return on assets (ROA) | 1.8982% | 454 |
| Pretax return on assets | 1.8982% | 775 |
| Return on Equity (ROE) | 16.6388% | 631 |
| Retained earnings to average equity (ytd only) | 10.2505% | 740 |
| Net charge-offs to loans | 0.1398% | 5,183 |
| Credit loss provision to net charge-offs | 336.4486% | 942 |
| Earnings coverage of net charge-offs (x) | 25.6455% | 988 |
| Efficiency ratio | 45.6741% | 7,394 |
| Assets per employee ($millions) | 5.5208% | 1,612 |
| Cash dividends to net income (ytd only)* | 38.3940% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1525% | 1,886 |
| Loan loss allowance to noncurrent loans | 236.6109% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.5586% | 6,033 |
| Noncurrent loans to loans | 0.9097% | 5,425 |
| Net loans and leases to total assets | 60.0795% | 4,899 |
| Net loans and leases to deposits | 88.9065% | 1,872 |
| Net loans and leases to core deposits | 139.2624% | 264 |
| Total domestic deposits to total assets | 67.5760% | 7,405 |
| Equity capital to assets | 11.7234% | 2,338 |
| Core capital (leverage) ratio | 10.9630% | 2,286 |
| Tier 1 risk-based capital ratio | 16.3305% | 2,622 |
| Total risk-based capital ratio | 17.5893% | 2,575 |
| Memoranda: | ||
| Average total assets | $167,943,750 | 3,622 |
| Average earning assets | $160,343,250 | 3,490 |
| Average equity | $19,159,500 | 3,298 |
| Average total loans | $102,074,250 | 3,799 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1808% | 646 |
| Cost of funding earning assets | 2.5315% | 158 |
| Net interest margin | 3.6493% | 4,583 |
| Noninterest income to average assets | 0.4578% | 4,457 |
| Noninterest expense to average assets | 1.7714% | 7,424 |
| Loan and lease loss provision to assets | 0.2876% | 4,095 |
| Net operating income to assets | 1.8852% | 409 |
| Return on assets (ROA) | 1.8912% | 449 |
| Pretax return on assets | 1.8912% | 745 |
| Return on Equity (ROE) | 16.7356% | 605 |
| Retained earnings to average equity (ytd only) | 10.2450% | 792 |
| Net charge-offs to loans | 0.2078% | 4,369 |
| Credit loss provision to net charge-offs | 228.5714% | 1,691 |
| Earnings coverage of net charge-offs (x) | 17.2667% | 1,355 |
| Efficiency ratio | 44.9104% | 7,486 |
| Assets per employee ($millions) | 5.0879% | 2,068 |
| Cash dividends to net income (ytd only)* | 38.7833% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0554% | 2,062 |
| Loan loss allowance to noncurrent loans | 326.3318% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.3913% | 6,464 |
| Noncurrent loans to loans | 0.6298% | 5,985 |
| Net loans and leases to total assets | 60.8505% | 4,895 |
| Net loans and leases to deposits | 96.0867% | 1,041 |
| Net loans and leases to core deposits | 145.9772% | 235 |
| Total domestic deposits to total assets | 63.3288% | 7,601 |
| Equity capital to assets | 11.4741% | 2,466 |
| Core capital (leverage) ratio | 10.6314% | 2,514 |
| Tier 1 risk-based capital ratio | 16.0980% | 2,631 |
| Total risk-based capital ratio | 17.3560% | 2,590 |
| Memoranda: | ||
| Average total assets | $166,876,670 | 3,653 |
| Average earning assets | $159,428,330 | 3,528 |
| Average equity | $18,858,000 | 3,322 |
| Average total loans | $101,070,670 | 3,857 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1827% | 663 |
| Cost of funding earning assets | 2.5583% | 188 |
| Net interest margin | 3.6244% | 4,605 |
| Noninterest income to average assets | 0.4496% | 4,469 |
| Noninterest expense to average assets | 1.7648% | 7,505 |
| Loan and lease loss provision to assets | 0.2885% | 3,713 |
| Net operating income to assets | 1.8538% | 445 |
| Return on assets (ROA) | 1.8610% | 478 |
| Pretax return on assets | 1.8610% | 793 |
| Return on Equity (ROE) | 16.5965% | 643 |
| Retained earnings to average equity (ytd only) | 10.0351% | 1,133 |
| Net charge-offs to loans | 0.0121% | 5,415 |
| Credit loss provision to net charge-offs | 4,000.0000% | 115 |
| Earnings coverage of net charge-offs (x) | 297.0000% | 108 |
| Efficiency ratio | 45.1692% | 7,585 |
| Assets per employee ($millions) | 5.8337% | 1,380 |
| Cash dividends to net income (ytd only)* | 39.5349% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1287% | 1,889 |
| Loan loss allowance to noncurrent loans | 266.2078% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.5284% | 6,183 |
| Noncurrent loans to loans | 0.7996% | 5,715 |
| Net loans and leases to total assets | 57.8042% | 5,474 |
| Net loans and leases to deposits | 91.2647% | 1,717 |
| Net loans and leases to core deposits | 137.3483% | 365 |
| Total domestic deposits to total assets | 63.3368% | 7,694 |
| Equity capital to assets | 11.2113% | 2,578 |
| Core capital (leverage) ratio | 10.4101% | 2,707 |
| Tier 1 risk-based capital ratio | 15.5063% | 2,864 |
| Total risk-based capital ratio | 16.7640% | 2,807 |
| Memoranda: | ||
| Average total assets | $166,365,000 | 3,727 |
| Average earning assets | $158,700,000 | 3,594 |
| Average equity | $18,654,500 | 3,373 |
| Average total loans | $99,450,000 | 3,975 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5656% | 586 |
| Cost of funding earning assets | 2.9943% | 236 |
| Net interest margin | 3.5713% | 4,650 |
| Noninterest income to average assets | 0.4781% | 4,589 |
| Noninterest expense to average assets | 1.8908% | 7,520 |
| Loan and lease loss provision to assets | 0.3746% | 4,537 |
| Net operating income to assets | 1.6159% | 526 |
| Return on assets (ROA) | 1.6743% | 496 |
| Pretax return on assets | 1.6743% | 826 |
| Return on Equity (ROE) | 15.2542% | 638 |
| Retained earnings to average equity (ytd only) | 5.7326% | 1,454 |
| Net charge-offs to loans | 0.3824% | 4,294 |
| Credit loss provision to net charge-offs | 169.0544% | 2,531 |
| Earnings coverage of net charge-offs (x) | 8.9828% | 1,857 |
| Efficiency ratio | 48.7159% | 7,598 |
| Assets per employee ($millions) | 5.8411% | 1,362 |
| Cash dividends to net income (ytd only)* | 62.4194% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0297% | 1,955 |
| Loan loss allowance to noncurrent loans | 443.4879% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.3455% | 6,576 |
| Noncurrent loans to loans | 0.4577% | 6,349 |
| Net loans and leases to total assets | 59.2912% | 5,449 |
| Net loans and leases to deposits | 97.4740% | 1,157 |
| Net loans and leases to core deposits | 185.2131% | 139 |
| Total domestic deposits to total assets | 60.8277% | 7,785 |
| Equity capital to assets | 11.2148% | 2,518 |
| Core capital (leverage) ratio | 10.5540% | 2,553 |
| Tier 1 risk-based capital ratio | 15.2744% | 2,811 |
| Total risk-based capital ratio | 16.5313% | 2,771 |
| Memoranda: | ||
| Average total assets | $157,501,800 | 3,820 |
| Average earning assets | $150,085,600 | 3,717 |
| Average equity | $17,287,000 | 3,617 |
| Average total loans | $91,271,000 | 4,179 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6101% | 604 |
| Cost of funding earning assets | 3.0768% | 262 |
| Net interest margin | 3.5333% | 4,728 |
| Noninterest income to average assets | 0.4710% | 4,746 |
| Noninterest expense to average assets | 1.9385% | 7,482 |
| Loan and lease loss provision to assets | 0.4017% | 3,905 |
| Net operating income to assets | 1.4984% | 813 |
| Return on assets (ROA) | 1.5770% | 747 |
| Pretax return on assets | 1.5770% | 1,227 |
| Return on Equity (ROE) | 14.4505% | 846 |
| Retained earnings to average equity (ytd only) | 8.9209% | 863 |
| Net charge-offs to loans | 0.3746% | 3,778 |
| Credit loss provision to net charge-offs | 187.2510% | 2,434 |
| Earnings coverage of net charge-offs (x) | 8.8565% | 2,187 |
| Efficiency ratio | 50.5010% | 7,519 |
| Assets per employee ($millions) | 5.2258% | 1,861 |
| Cash dividends to net income (ytd only)* | 38.2656% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1493% | 1,504 |
| Loan loss allowance to noncurrent loans | 330.6156% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.3853% | 6,497 |
| Noncurrent loans to loans | 0.6501% | 5,999 |
| Net loans and leases to total assets | 57.7005% | 5,928 |
| Net loans and leases to deposits | 95.3566% | 1,664 |
| Net loans and leases to core deposits | 183.9366% | 161 |
| Total domestic deposits to total assets | 60.5103% | 7,862 |
| Equity capital to assets | 11.7085% | 2,428 |
| Core capital (leverage) ratio | 10.9957% | 2,407 |
| Tier 1 risk-based capital ratio | 16.5292% | 2,416 |
| Total risk-based capital ratio | 17.7873% | 2,366 |
| Memoranda: | ||
| Average total assets | $155,989,250 | 3,876 |
| Average earning assets | $148,677,000 | 3,749 |
| Average equity | $17,023,250 | 3,700 |
| Average total loans | $89,343,500 | 4,267 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6197% | 639 |
| Cost of funding earning assets | 3.1370% | 314 |
| Net interest margin | 3.4827% | 4,877 |
| Noninterest income to average assets | 0.4277% | 5,057 |
| Noninterest expense to average assets | 1.9765% | 7,500 |
| Loan and lease loss provision to assets | 0.3853% | 3,608 |
| Net operating income to assets | 1.3780% | 1,074 |
| Return on assets (ROA) | 1.4757% | 945 |
| Pretax return on assets | 1.4757% | 1,512 |
| Return on Equity (ROE) | 13.8609% | 1,020 |
| Retained earnings to average equity (ytd only) | 8.1911% | 1,156 |
| Net charge-offs to loans | 0.5866% | 2,573 |
| Credit loss provision to net charge-offs | 115.8301% | 3,999 |
| Earnings coverage of net charge-offs (x) | 5.3012% | 2,862 |
| Efficiency ratio | 52.8503% | 7,451 |
| Assets per employee ($millions) | 5.3732% | 1,695 |
| Cash dividends to net income (ytd only)* | 40.9051% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0907% | 1,412 |
| Loan loss allowance to noncurrent loans | 516.8571% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.2869% | 6,755 |
| Noncurrent loans to loans | 0.4045% | 6,494 |
| Net loans and leases to total assets | 54.3665% | 6,402 |
| Net loans and leases to deposits | 89.6238% | 2,884 |
| Net loans and leases to core deposits | 169.0702% | 328 |
| Total domestic deposits to total assets | 60.6607% | 7,919 |
| Equity capital to assets | 11.0760% | 2,850 |
| Core capital (leverage) ratio | 10.6746% | 2,683 |
| Tier 1 risk-based capital ratio | 16.4657% | 2,458 |
| Total risk-based capital ratio | 17.7218% | 2,397 |
| Memoranda: | ||
| Average total assets | $155,727,330 | 3,909 |
| Average earning assets | $148,104,000 | 3,778 |
| Average equity | $16,579,000 | 3,798 |
| Average total loans | $88,309,000 | 4,326 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6279% | 668 |
| Cost of funding earning assets | 3.1706% | 373 |
| Net interest margin | 3.4573% | 4,906 |
| Noninterest income to average assets | 0.4214% | 5,036 |
| Noninterest expense to average assets | 1.9579% | 7,433 |
| Loan and lease loss provision to assets | 0.3854% | 3,014 |
| Net operating income to assets | 1.3618% | 1,227 |
| Return on assets (ROA) | 1.5416% | 944 |
| Pretax return on assets | 1.5416% | 1,555 |
| Return on Equity (ROE) | 14.7792% | 1,020 |
| Retained earnings to average equity (ytd only) | 8.9907% | 1,488 |
| Net charge-offs to loans | 0.2197% | 3,320 |
| Credit loss provision to net charge-offs | 306.1224% | 1,586 |
| Earnings coverage of net charge-offs (x) | 13.8776% | 1,712 |
| Efficiency ratio | 52.8433% | 7,334 |
| Assets per employee ($millions) | 5.4508% | 1,608 |
| Cash dividends to net income (ytd only)* | 39.1667% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1155% | 1,200 |
| Loan loss allowance to noncurrent loans | 401.7204% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.3239% | 6,538 |
| Noncurrent loans to loans | 0.5266% | 6,104 |
| Net loans and leases to total assets | 54.6785% | 6,392 |
| Net loans and leases to deposits | 88.8944% | 3,126 |
| Net loans and leases to core deposits | 167.2672% | 392 |
| Total domestic deposits to total assets | 61.5096% | 7,929 |
| Equity capital to assets | 10.3731% | 3,587 |
| Core capital (leverage) ratio | 10.5506% | 2,872 |
| Tier 1 risk-based capital ratio | 15.8374% | 2,747 |
| Total risk-based capital ratio | 17.0938% | 2,685 |
| Memoranda: | ||
| Average total assets | $155,679,000 | 3,915 |
| Average earning assets | $147,860,500 | 3,793 |
| Average equity | $16,239,000 | 3,897 |
| Average total loans | $89,201,000 | 4,334 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8872% | 1,434 |
| Cost of funding earning assets | 3.4982% | 523 |
| Net interest margin | 3.3890% | 5,699 |
| Noninterest income to average assets | 0.4867% | 4,729 |
| Noninterest expense to average assets | 1.9033% | 7,607 |
| Loan and lease loss provision to assets | 0.3093% | 3,893 |
| Net operating income to assets | 1.4937% | 1,033 |
| Return on assets (ROA) | 1.5761% | 842 |
| Pretax return on assets | 1.5768% | 1,451 |
| Return on Equity (ROE) | 14.4183% | 1,026 |
| Retained earnings to average equity (ytd only) | 4.8040% | 2,148 |
| Net charge-offs to loans | 0.1471% | 4,741 |
| Credit loss provision to net charge-offs | 346.1538% | 1,305 |
| Earnings coverage of net charge-offs (x) | 20.1846% | 1,587 |
| Efficiency ratio | 51.3443% | 7,559 |
| Assets per employee ($millions) | 5.2857% | 1,652 |
| Cash dividends to net income (ytd only)* | 66.6812% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9622% | 1,299 |
| Loan loss allowance to noncurrent loans | 176.8000% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.6674% | 5,221 |
| Noncurrent loans to loans | 1.1099% | 4,329 |
| Net loans and leases to total assets | 57.6273% | 6,256 |
| Net loans and leases to deposits | 95.2347% | 2,574 |
| Net loans and leases to core deposits | 171.7925% | 374 |
| Total domestic deposits to total assets | 60.5108% | 7,945 |
| Equity capital to assets | 10.4909% | 3,516 |
| Core capital (leverage) ratio | 10.6663% | 2,849 |
| Tier 1 risk-based capital ratio | 16.2219% | 2,573 |
| Total risk-based capital ratio | 17.4784% | 2,510 |
| Memoranda: | ||
| Average total assets | $145,481,400 | 3,983 |
| Average earning assets | $138,241,400 | 3,883 |
| Average equity | $15,903,400 | 3,947 |
| Average total loans | $88,366,200 | 4,279 |