Home > Citizens First Bank > Performance and Condition Ratios
Citizens First Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0596% | 1,953 |
| Cost of funding earning assets | 1.8375% | 1,190 |
| Net interest margin | 3.2221% | 2,823 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.4684% | 2,387 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0205% | 2,152 |
| Return on assets (ROA) | 0.9690% | 2,296 |
| Pretax return on assets | 0.9826% | 2,717 |
| Return on Equity (ROE) | 12.3600% | 1,874 |
| Retained earnings to average equity (ytd only) | 5.9099% | 2,281 |
| Net charge-offs to loans | -0.0331% | 4,281 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.4652% | 1,817 |
| Assets per employee ($millions) | 6.5049% | 2,414 |
| Cash dividends to net income (ytd only)* | 52.1924% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3740% | 1,491 |
| Loan loss allowance to noncurrent loans | 237.4057% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.4077% | 1,363 |
| Noncurrent loans to loans | 0.5788% | 1,352 |
| Net loans and leases to total assets | 69.4700% | 1,869 |
| Net loans and leases to deposits | 81.0583% | 2,023 |
| Net loans and leases to core deposits | 97.5041% | 1,567 |
| Total domestic deposits to total assets | 85.7100% | 2,103 |
| Equity capital to assets | 8.0674% | 3,368 |
| Core capital (leverage) ratio | 9.5337% | 3,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $315,381,400 | 2,344 |
| Average earning assets | $293,166,000 | 2,341 |
| Average equity | $24,721,200 | 2,536 |
| Average total loans | $223,361,400 | 2,138 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9183% | 2,024 |
| Cost of funding earning assets | 1.6733% | 1,229 |
| Net interest margin | 3.2450% | 2,814 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 2.5016% | 2,226 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0124% | 2,332 |
| Return on assets (ROA) | 0.9425% | 2,526 |
| Pretax return on assets | 0.9425% | 2,997 |
| Return on Equity (ROE) | 12.1200% | 2,088 |
| Retained earnings to average equity (ytd only) | 7.5588% | 2,118 |
| Net charge-offs to loans | -0.0433% | 4,329 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.1895% | 1,655 |
| Assets per employee ($millions) | 7.0095% | 1,959 |
| Cash dividends to net income (ytd only)* | 37.6130% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 1,535 |
| Loan loss allowance to noncurrent loans | 217.1153% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 1,294 |
| Noncurrent loans to loans | 0.6350% | 1,290 |
| Net loans and leases to total assets | 69.8000% | 1,852 |
| Net loans and leases to deposits | 82.3763% | 1,877 |
| Net loans and leases to core deposits | 95.6020% | 1,577 |
| Total domestic deposits to total assets | 84.7300% | 2,586 |
| Equity capital to assets | 7.3301% | 3,452 |
| Core capital (leverage) ratio | 9.7164% | 3,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $312,915,000 | 2,358 |
| Average earning assets | $291,231,000 | 2,357 |
| Average equity | $24,341,750 | 2,544 |
| Average total loans | $221,925,000 | 2,147 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7705% | 2,058 |
| Cost of funding earning assets | 1.5477% | 1,163 |
| Net interest margin | 3.2228% | 2,929 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.5144% | 2,164 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9886% | 2,459 |
| Return on assets (ROA) | 0.8827% | 2,804 |
| Pretax return on assets | 0.8827% | 3,213 |
| Return on Equity (ROE) | 11.1200% | 2,387 |
| Retained earnings to average equity (ytd only) | 8.0725% | 1,934 |
| Net charge-offs to loans | -0.0573% | 4,404 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.7788% | 1,578 |
| Assets per employee ($millions) | 6.4066% | 2,375 |
| Cash dividends to net income (ytd only)* | 27.4323% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 1,537 |
| Loan loss allowance to noncurrent loans | 279.0925% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.3581% | 1,487 |
| Noncurrent loans to loans | 0.5012% | 1,456 |
| Net loans and leases to total assets | 70.4400% | 1,694 |
| Net loans and leases to deposits | 84.3554% | 1,638 |
| Net loans and leases to core deposits | 96.4002% | 1,442 |
| Total domestic deposits to total assets | 83.5000% | 2,933 |
| Equity capital to assets | 7.9045% | 3,280 |
| Core capital (leverage) ratio | 9.8555% | 2,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $309,741,000 | 2,382 |
| Average earning assets | $288,566,000 | 2,382 |
| Average equity | $24,577,333 | 2,538 |
| Average total loans | $219,835,667 | 2,152 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6254% | 2,021 |
| Cost of funding earning assets | 1.3460% | 1,143 |
| Net interest margin | 3.2795% | 2,926 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 2.6173% | 1,904 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9218% | 2,781 |
| Return on assets (ROA) | 0.7086% | 3,402 |
| Pretax return on assets | 0.7086% | 3,643 |
| Return on Equity (ROE) | 8.9100% | 3,072 |
| Retained earnings to average equity (ytd only) | 8.9129% | 1,974 |
| Net charge-offs to loans | -0.1066% | 4,520 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.9530% | 1,346 |
| Assets per employee ($millions) | 6.7278% | 2,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4223% | 1,530 |
| Loan loss allowance to noncurrent loans | 272.1112% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.3719% | 1,384 |
| Noncurrent loans to loans | 0.5227% | 1,414 |
| Net loans and leases to total assets | 70.1400% | 1,614 |
| Net loans and leases to deposits | 80.1647% | 1,806 |
| Net loans and leases to core deposits | 94.3155% | 1,376 |
| Total domestic deposits to total assets | 87.5000% | 2,090 |
| Equity capital to assets | 8.1983% | 3,108 |
| Core capital (leverage) ratio | 9.7335% | 2,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $307,650,500 | 2,422 |
| Average earning assets | $287,974,000 | 2,407 |
| Average equity | $24,459,000 | 2,573 |
| Average total loans | $217,625,000 | 2,186 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0616% | 1,558 |
| Cost of funding earning assets | 0.5147% | 1,295 |
| Net interest margin | 3.5469% | 1,789 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 2.5796% | 1,885 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2924% | 1,460 |
| Return on assets (ROA) | 1.2852% | 1,442 |
| Pretax return on assets | 1.2852% | 2,140 |
| Return on Equity (ROE) | 14.5200% | 1,395 |
| Retained earnings to average equity (ytd only) | 5.1342% | 2,990 |
| Net charge-offs to loans | 0.0188% | 1,720 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 101.2162% | 968 |
| Efficiency ratio | 66.6221% | 2,127 |
| Assets per employee ($millions) | 6.5068% | 2,332 |
| Cash dividends to net income (ytd only)* | 64.6348% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4294% | 1,404 |
| Loan loss allowance to noncurrent loans | 226.3623% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.4441% | 1,147 |
| Noncurrent loans to loans | 0.6315% | 1,169 |
| Net loans and leases to total assets | 69.3100% | 1,702 |
| Net loans and leases to deposits | 80.9191% | 1,700 |
| Net loans and leases to core deposits | 88.7823% | 1,565 |
| Total domestic deposits to total assets | 85.6600% | 2,812 |
| Equity capital to assets | 7.6993% | 3,257 |
| Core capital (leverage) ratio | 9.8075% | 2,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $289,770,600 | 2,499 |
| Average earning assets | $269,871,000 | 2,492 |
| Average equity | $25,651,600 | 2,552 |
| Average total loans | $196,410,200 | 2,254 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9195% | 1,436 |
| Cost of funding earning assets | 0.3749% | 1,484 |
| Net interest margin | 3.5446% | 1,536 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.5471% | 1,874 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2350% | 1,569 |
| Return on assets (ROA) | 1.2252% | 1,580 |
| Pretax return on assets | 1.2252% | 2,271 |
| Return on Equity (ROE) | 13.3700% | 1,594 |
| Retained earnings to average equity (ytd only) | 4.9353% | 3,124 |
| Net charge-offs to loans | 0.0042% | 2,053 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 441.1667% | 354 |
| Efficiency ratio | 67.3452% | 2,112 |
| Assets per employee ($millions) | 6.5528% | 2,277 |
| Cash dividends to net income (ytd only)* | 63.0998% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4791% | 1,355 |
| Loan loss allowance to noncurrent loans | 218.6620% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.4711% | 1,149 |
| Noncurrent loans to loans | 0.6764% | 1,203 |
| Net loans and leases to total assets | 68.6100% | 1,603 |
| Net loans and leases to deposits | 75.9116% | 1,884 |
| Net loans and leases to core deposits | 86.5770% | 1,494 |
| Total domestic deposits to total assets | 90.3900% | 1,483 |
| Equity capital to assets | 7.5974% | 3,154 |
| Core capital (leverage) ratio | 9.7965% | 2,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $285,758,000 | 2,542 |
| Average earning assets | $265,639,000 | 2,534 |
| Average equity | $26,178,000 | 2,558 |
| Average total loans | $191,750,750 | 2,290 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8150% | 1,281 |
| Cost of funding earning assets | 0.2892% | 1,809 |
| Net interest margin | 3.5258% | 1,245 |
| Noninterest income to average assets | 0.5012% | 2,199 |
| Noninterest expense to average assets | 2.5259% | 1,849 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2433% | 1,297 |
| Return on assets (ROA) | 1.2284% | 1,319 |
| Pretax return on assets | 1.2284% | 1,968 |
| Return on Equity (ROE) | 12.6364% | 1,479 |
| Retained earnings to average equity (ytd only) | 2.2295% | 3,684 |
| Net charge-offs to loans | 0.0129% | 1,530 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 145.3333% | 660 |
| Efficiency ratio | 67.0134% | 2,383 |
| Assets per employee ($millions) | 5.8851% | 2,846 |
| Cash dividends to net income (ytd only)* | 82.3564% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5795% | 1,200 |
| Loan loss allowance to noncurrent loans | 227.3661% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4727% | 1,204 |
| Noncurrent loans to loans | 0.6947% | 1,245 |
| Net loans and leases to total assets | 66.9656% | 1,590 |
| Net loans and leases to deposits | 74.7988% | 1,778 |
| Net loans and leases to core deposits | 86.0886% | 1,333 |
| Total domestic deposits to total assets | 89.5277% | 1,930 |
| Equity capital to assets | 8.4371% | 2,811 |
| Core capital (leverage) ratio | 10.1367% | 2,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $280,533,667 | 2,583 |
| Average earning assets | $260,027,333 | 2,598 |
| Average equity | $27,270,333 | 2,568 |
| Average total loans | $185,692,000 | 2,344 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6371% | 1,406 |
| Cost of funding earning assets | 0.2520% | 2,133 |
| Net interest margin | 3.3851% | 1,332 |
| Noninterest income to average assets | 0.5278% | 2,006 |
| Noninterest expense to average assets | 2.6737% | 1,419 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0007% | 1,883 |
| Return on assets (ROA) | 1.0007% | 1,878 |
| Pretax return on assets | 1.0007% | 2,436 |
| Return on Equity (ROE) | 9.6310% | 2,112 |
| Retained earnings to average equity (ytd only) | 9.6310% | 1,113 |
| Net charge-offs to loans | -0.0177% | 3,852 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7666% | 1,879 |
| Assets per employee ($millions) | 5.6436% | 3,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7088% | 1,043 |
| Loan loss allowance to noncurrent loans | 218.2645% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.5168% | 1,160 |
| Noncurrent loans to loans | 0.7829% | 1,214 |
| Net loans and leases to total assets | 64.8781% | 1,515 |
| Net loans and leases to deposits | 73.6195% | 1,643 |
| Net loans and leases to core deposits | 77.2134% | 1,679 |
| Total domestic deposits to total assets | 88.1262% | 2,469 |
| Equity capital to assets | 9.8321% | 2,023 |
| Core capital (leverage) ratio | 10.4005% | 1,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $276,616,000 | 2,618 |
| Average earning assets | $257,130,500 | 2,628 |
| Average equity | $28,740,500 | 2,548 |
| Average total loans | $180,434,500 | 2,375 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0264% | 1,301 |
| Cost of funding earning assets | 0.3447% | 1,988 |
| Net interest margin | 3.6817% | 1,262 |
| Noninterest income to average assets | 0.7028% | 1,765 |
| Noninterest expense to average assets | 2.2134% | 3,037 |
| Loan and lease loss provision to assets | 0.0336% | 2,381 |
| Net operating income to assets | 1.8685% | 440 |
| Return on assets (ROA) | 1.8588% | 474 |
| Pretax return on assets | 1.8588% | 798 |
| Return on Equity (ROE) | 16.5627% | 665 |
| Retained earnings to average equity (ytd only) | 5.5741% | 2,530 |
| Net charge-offs to loans | -0.0051% | 3,557 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7820% | 3,953 |
| Assets per employee ($millions) | 5.6469% | 3,122 |
| Cash dividends to net income (ytd only)* | 66.3454% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7444% | 956 |
| Loan loss allowance to noncurrent loans | 204.6711% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.5493% | 1,203 |
| Noncurrent loans to loans | 0.8523% | 1,191 |
| Net loans and leases to total assets | 63.3286% | 1,783 |
| Net loans and leases to deposits | 72.7306% | 1,835 |
| Net loans and leases to core deposits | 76.4091% | 1,884 |
| Total domestic deposits to total assets | 87.0729% | 2,489 |
| Equity capital to assets | 10.9477% | 1,822 |
| Core capital (leverage) ratio | 10.3628% | 2,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $267,914,200 | 2,614 |
| Average earning assets | $248,337,600 | 2,626 |
| Average equity | $30,067,600 | 2,530 |
| Average total loans | $176,735,800 | 2,408 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1013% | 1,301 |
| Cost of funding earning assets | 0.3616% | 2,005 |
| Net interest margin | 3.7397% | 1,250 |
| Noninterest income to average assets | 0.7165% | 1,769 |
| Noninterest expense to average assets | 2.7608% | 1,433 |
| Loan and lease loss provision to assets | 0.0452% | 2,094 |
| Net operating income to assets | 1.3824% | 1,592 |
| Return on assets (ROA) | 1.3824% | 1,654 |
| Pretax return on assets | 1.3824% | 2,396 |
| Return on Equity (ROE) | 12.2394% | 1,964 |
| Retained earnings to average equity (ytd only) | -0.7241% | 4,641 |
| Net charge-offs to loans | -0.0076% | 3,571 |
| Credit loss provision to net charge-offs | -900.0000% | 3,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9159% | 2,108 |
| Assets per employee ($millions) | 5.5303% | 3,165 |
| Cash dividends to net income (ytd only)* | 105.9165% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7282% | 1,050 |
| Loan loss allowance to noncurrent loans | 235.9363% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.4867% | 1,565 |
| Noncurrent loans to loans | 0.7325% | 1,529 |
| Net loans and leases to total assets | 65.3041% | 1,622 |
| Net loans and leases to deposits | 76.1426% | 1,655 |
| Net loans and leases to core deposits | 83.1078% | 1,486 |
| Total domestic deposits to total assets | 85.7655% | 2,837 |
| Equity capital to assets | 10.7771% | 2,187 |
| Core capital (leverage) ratio | 9.7516% | 2,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $265,718,250 | 2,658 |
| Average earning assets | $246,678,250 | 2,661 |
| Average equity | $30,011,500 | 2,565 |
| Average total loans | $176,334,750 | 2,449 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2880% | 1,026 |
| Cost of funding earning assets | 0.3807% | 2,044 |
| Net interest margin | 3.9073% | 958 |
| Noninterest income to average assets | 0.7940% | 1,557 |
| Noninterest expense to average assets | 2.3549% | 2,606 |
| Loan and lease loss provision to assets | 0.0909% | 1,377 |
| Net operating income to assets | 1.9563% | 526 |
| Return on assets (ROA) | 1.9563% | 549 |
| Pretax return on assets | 1.9563% | 907 |
| Return on Equity (ROE) | 17.0538% | 775 |
| Retained earnings to average equity (ytd only) | 1.9616% | 4,121 |
| Net charge-offs to loans | -0.0069% | 3,531 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4940% | 3,868 |
| Assets per employee ($millions) | 5.4817% | 3,147 |
| Cash dividends to net income (ytd only)* | 88.4973% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7719% | 931 |
| Loan loss allowance to noncurrent loans | 214.7159% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.8295% | 951 |
| Noncurrent loans to loans | 0.8252% | 1,485 |
| Net loans and leases to total assets | 64.7451% | 1,858 |
| Net loans and leases to deposits | 74.7985% | 1,925 |
| Net loans and leases to core deposits | 83.1336% | 1,631 |
| Total domestic deposits to total assets | 86.5594% | 2,528 |
| Equity capital to assets | 11.0914% | 1,919 |
| Core capital (leverage) ratio | 10.1279% | 2,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $263,963,333 | 2,657 |
| Average earning assets | $243,750,000 | 2,670 |
| Average equity | $30,280,667 | 2,533 |
| Average total loans | $175,088,000 | 2,474 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4899% | 785 |
| Cost of funding earning assets | 0.4079% | 2,029 |
| Net interest margin | 4.0820% | 742 |
| Noninterest income to average assets | 0.8363% | 1,499 |
| Noninterest expense to average assets | 1.9553% | 3,845 |
| Loan and lease loss provision to assets | 0.0917% | 1,454 |
| Net operating income to assets | 2.5684% | 239 |
| Return on assets (ROA) | 2.5684% | 261 |
| Pretax return on assets | 2.5684% | 389 |
| Return on Equity (ROE) | 22.0147% | 391 |
| Retained earnings to average equity (ytd only) | 22.0147% | 204 |
| Net charge-offs to loans | -0.0069% | 3,519 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3650% | 4,656 |
| Assets per employee ($millions) | 5.9952% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7654% | 923 |
| Loan loss allowance to noncurrent loans | 188.8275% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.9151% | 932 |
| Noncurrent loans to loans | 0.9349% | 1,445 |
| Net loans and leases to total assets | 64.8871% | 1,932 |
| Net loans and leases to deposits | 75.1389% | 2,001 |
| Net loans and leases to core deposits | 83.7972% | 1,694 |
| Total domestic deposits to total assets | 86.3561% | 2,600 |
| Equity capital to assets | 11.7495% | 1,413 |
| Core capital (leverage) ratio | 11.0894% | 1,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $261,643,000 | 2,658 |
| Average earning assets | $242,234,500 | 2,665 |
| Average equity | $30,525,000 | 2,506 |
| Average total loans | $174,109,500 | 2,485 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5866% | 1,117 |
| Cost of funding earning assets | 0.8882% | 888 |
| Net interest margin | 3.6984% | 1,806 |
| Noninterest income to average assets | 0.9105% | 1,236 |
| Noninterest expense to average assets | 2.6989% | 2,245 |
| Loan and lease loss provision to assets | 0.1117% | 2,953 |
| Net operating income to assets | 1.4934% | 824 |
| Return on assets (ROA) | 1.5484% | 779 |
| Pretax return on assets | 1.5484% | 1,198 |
| Return on Equity (ROE) | 13.2703% | 974 |
| Retained earnings to average equity (ytd only) | 7.7892% | 1,119 |
| Net charge-offs to loans | -0.0469% | 4,652 |
| Credit loss provision to net charge-offs | -337.5000% | 3,866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7067% | 3,017 |
| Assets per employee ($millions) | 5.5212% | 2,827 |
| Cash dividends to net income (ytd only)* | 41.3038% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7318% | 979 |
| Loan loss allowance to noncurrent loans | 179.8806% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.9480% | 1,020 |
| Noncurrent loans to loans | 0.9628% | 1,468 |
| Net loans and leases to total assets | 65.8832% | 2,109 |
| Net loans and leases to deposits | 76.0693% | 2,275 |
| Net loans and leases to core deposits | 88.1472% | 1,677 |
| Total domestic deposits to total assets | 86.6095% | 2,108 |
| Equity capital to assets | 11.5824% | 1,826 |
| Core capital (leverage) ratio | 10.4588% | 2,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $241,728,400 | 2,640 |
| Average earning assets | $221,798,600 | 2,660 |
| Average equity | $28,205,800 | 2,591 |
| Average total loans | $170,752,200 | 2,483 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7235% | 1,014 |
| Cost of funding earning assets | 0.9962% | 768 |
| Net interest margin | 3.7273% | 1,851 |
| Noninterest income to average assets | 0.9327% | 1,149 |
| Noninterest expense to average assets | 2.7730% | 2,048 |
| Loan and lease loss provision to assets | 0.1011% | 3,052 |
| Net operating income to assets | 1.4750% | 953 |
| Return on assets (ROA) | 1.5497% | 888 |
| Pretax return on assets | 1.5497% | 1,329 |
| Return on Equity (ROE) | 13.2545% | 1,041 |
| Retained earnings to average equity (ytd only) | 7.0262% | 1,676 |
| Net charge-offs to loans | -0.0549% | 4,696 |
| Credit loss provision to net charge-offs | -257.1429% | 3,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7597% | 2,780 |
| Assets per employee ($millions) | 5.4008% | 2,793 |
| Cash dividends to net income (ytd only)* | 46.9906% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6456% | 990 |
| Loan loss allowance to noncurrent loans | 153.5865% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 1.0864% | 973 |
| Noncurrent loans to loans | 1.0714% | 1,399 |
| Net loans and leases to total assets | 70.0570% | 1,944 |
| Net loans and leases to deposits | 82.1382% | 2,086 |
| Net loans and leases to core deposits | 96.7890% | 1,393 |
| Total domestic deposits to total assets | 85.2915% | 2,322 |
| Equity capital to assets | 11.8574% | 1,765 |
| Core capital (leverage) ratio | 10.3664% | 2,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $237,286,250 | 2,652 |
| Average earning assets | $217,486,500 | 2,676 |
| Average equity | $27,743,250 | 2,609 |
| Average total loans | $169,945,750 | 2,488 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8452% | 1,064 |
| Cost of funding earning assets | 0.9410% | 1,188 |
| Net interest margin | 3.9041% | 1,555 |
| Noninterest income to average assets | 0.8537% | 1,277 |
| Noninterest expense to average assets | 2.7255% | 2,306 |
| Loan and lease loss provision to assets | 0.0771% | 3,332 |
| Net operating income to assets | 1.6321% | 711 |
| Return on assets (ROA) | 1.6321% | 775 |
| Pretax return on assets | 1.6321% | 1,149 |
| Return on Equity (ROE) | 14.0293% | 885 |
| Retained earnings to average equity (ytd only) | 5.8517% | 2,140 |
| Net charge-offs to loans | 0.0310% | 2,103 |
| Credit loss provision to net charge-offs | 346.1538% | 1,524 |
| Earnings coverage of net charge-offs (x) | 76.7692% | 833 |
| Efficiency ratio | 61.4597% | 3,208 |
| Assets per employee ($millions) | 5.6398% | 2,502 |
| Cash dividends to net income (ytd only)* | 58.2896% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5928% | 1,024 |
| Loan loss allowance to noncurrent loans | 180.0000% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.9342% | 1,312 |
| Noncurrent loans to loans | 0.8849% | 1,727 |
| Net loans and leases to total assets | 66.3845% | 2,572 |
| Net loans and leases to deposits | 79.1460% | 2,526 |
| Net loans and leases to core deposits | 96.7475% | 1,521 |
| Total domestic deposits to total assets | 83.8761% | 2,790 |
| Equity capital to assets | 11.2636% | 2,142 |
| Core capital (leverage) ratio | 10.3819% | 2,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0277% | 2,166 |
| Memoranda: | ||
| Average total assets | $233,570,000 | 2,649 |
| Average earning assets | $214,234,333 | 2,675 |
| Average equity | $27,171,667 | 2,633 |
| Average total loans | $167,608,333 | 2,490 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8120% | 1,387 |
| Cost of funding earning assets | 1.0151% | 1,360 |
| Net interest margin | 3.7969% | 1,985 |
| Noninterest income to average assets | 0.6426% | 1,853 |
| Noninterest expense to average assets | 2.6922% | 2,727 |
| Loan and lease loss provision to assets | 0.0537% | 3,100 |
| Net operating income to assets | 1.4052% | 964 |
| Return on assets (ROA) | 1.4052% | 1,045 |
| Pretax return on assets | 1.4052% | 1,548 |
| Return on Equity (ROE) | 11.8650% | 1,138 |
| Retained earnings to average equity (ytd only) | 8.0863% | 1,207 |
| Net charge-offs to loans | 0.1037% | 1,057 |
| Credit loss provision to net charge-offs | 69.7674% | 1,982 |
| Earnings coverage of net charge-offs (x) | 18.9535% | 1,451 |
| Efficiency ratio | 64.8555% | 3,105 |
| Assets per employee ($millions) | 4.9810% | 2,669 |
| Cash dividends to net income (ytd only)* | 31.8471% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5993% | 1,072 |
| Loan loss allowance to noncurrent loans | 156.0990% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 1.1551% | 1,106 |
| Noncurrent loans to loans | 1.0246% | 1,620 |
| Net loans and leases to total assets | 72.7136% | 1,818 |
| Net loans and leases to deposits | 85.9253% | 2,012 |
| Net loans and leases to core deposits | 109.4190% | 878 |
| Total domestic deposits to total assets | 84.6242% | 2,558 |
| Equity capital to assets | 11.8031% | 2,211 |
| Core capital (leverage) ratio | 11.2065% | 2,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $223,459,500 | 2,689 |
| Average earning assets | $206,482,500 | 2,692 |
| Average equity | $26,464,500 | 2,676 |
| Average total loans | $165,810,000 | 2,480 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0714% | 1,285 |
| Cost of funding earning assets | 1.0634% | 1,459 |
| Net interest margin | 4.0080% | 1,832 |
| Noninterest income to average assets | 0.6259% | 2,108 |
| Noninterest expense to average assets | 2.8676% | 2,385 |
| Loan and lease loss provision to assets | 0.1103% | 1,890 |
| Net operating income to assets | 1.3460% | 1,517 |
| Return on assets (ROA) | 1.3060% | 1,746 |
| Pretax return on assets | 1.3060% | 2,493 |
| Return on Equity (ROE) | 11.0793% | 1,849 |
| Retained earnings to average equity (ytd only) | 4.1362% | 2,894 |
| Net charge-offs to loans | 0.0608% | 2,235 |
| Credit loss provision to net charge-offs | 240.0000% | 1,125 |
| Earnings coverage of net charge-offs (x) | 31.6900% | 1,530 |
| Efficiency ratio | 66.3195% | 2,723 |
| Assets per employee ($millions) | 5.0630% | 2,500 |
| Cash dividends to net income (ytd only)* | 62.6671% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6043% | 965 |
| Loan loss allowance to noncurrent loans | 142.3303% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 1.2403% | 921 |
| Noncurrent loans to loans | 1.1272% | 1,343 |
| Net loans and leases to total assets | 73.3138% | 1,875 |
| Net loans and leases to deposits | 87.5798% | 1,901 |
| Net loans and leases to core deposits | 109.3749% | 888 |
| Total domestic deposits to total assets | 83.7108% | 2,947 |
| Equity capital to assets | 11.8833% | 2,213 |
| Core capital (leverage) ratio | 11.0677% | 2,439 |
| Tier 1 risk-based capital ratio | 13.1061% | 3,743 |
| Total risk-based capital ratio | 14.3581% | 3,623 |
| Memoranda: | ||
| Average total assets | $217,606,600 | 2,683 |
| Average earning assets | $200,774,800 | 2,705 |
| Average equity | $25,651,400 | 2,665 |
| Average total loans | $164,371,800 | 2,465 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0739% | 1,347 |
| Cost of funding earning assets | 1.0812% | 1,424 |
| Net interest margin | 3.9927% | 1,963 |
| Noninterest income to average assets | 0.6040% | 2,186 |
| Noninterest expense to average assets | 2.8248% | 2,497 |
| Loan and lease loss provision to assets | 0.0986% | 1,943 |
| Net operating income to assets | 1.3634% | 1,600 |
| Return on assets (ROA) | 1.3098% | 1,897 |
| Pretax return on assets | 1.3098% | 2,632 |
| Return on Equity (ROE) | 11.1344% | 1,963 |
| Retained earnings to average equity (ytd only) | 3.1124% | 3,846 |
| Net charge-offs to loans | 0.0285% | 2,527 |
| Credit loss provision to net charge-offs | 457.1429% | 680 |
| Earnings coverage of net charge-offs (x) | 67.7649% | 979 |
| Efficiency ratio | 65.8950% | 2,742 |
| Assets per employee ($millions) | 5.0215% | 2,535 |
| Cash dividends to net income (ytd only)* | 72.0470% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5972% | 1,002 |
| Loan loss allowance to noncurrent loans | 144.1481% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 1.2510% | 991 |
| Noncurrent loans to loans | 1.1081% | 1,433 |
| Net loans and leases to total assets | 73.8355% | 1,848 |
| Net loans and leases to deposits | 90.4363% | 1,641 |
| Net loans and leases to core deposits | 114.8471% | 716 |
| Total domestic deposits to total assets | 81.6436% | 3,575 |
| Equity capital to assets | 11.9363% | 2,305 |
| Core capital (leverage) ratio | 10.7955% | 2,843 |
| Tier 1 risk-based capital ratio | 13.8904% | 3,383 |
| Total risk-based capital ratio | 15.1440% | 3,288 |
| Memoranda: | ||
| Average total assets | $216,314,750 | 2,711 |
| Average earning assets | $199,527,250 | 2,737 |
| Average equity | $25,446,000 | 2,694 |
| Average total loans | $163,968,000 | 2,490 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0787% | 1,275 |
| Cost of funding earning assets | 1.0817% | 1,372 |
| Net interest margin | 3.9970% | 1,932 |
| Noninterest income to average assets | 0.6006% | 2,151 |
| Noninterest expense to average assets | 2.9064% | 2,268 |
| Loan and lease loss provision to assets | 0.1211% | 1,550 |
| Net operating income to assets | 1.2516% | 1,953 |
| Return on assets (ROA) | 1.1706% | 2,332 |
| Pretax return on assets | 1.1706% | 3,011 |
| Return on Equity (ROE) | 10.0012% | 2,388 |
| Retained earnings to average equity (ytd only) | -0.1910% | 4,713 |
| Net charge-offs to loans | -0.0624% | 4,888 |
| Credit loss provision to net charge-offs | -254.9020% | 4,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9217% | 2,545 |
| Assets per employee ($millions) | 4.6890% | 2,896 |
| Cash dividends to net income (ytd only)* | 101.9093% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6256% | 972 |
| Loan loss allowance to noncurrent loans | 128.6530% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 1.4039% | 847 |
| Noncurrent loans to loans | 1.2636% | 1,258 |
| Net loans and leases to total assets | 75.8359% | 1,574 |
| Net loans and leases to deposits | 91.9011% | 1,499 |
| Net loans and leases to core deposits | 117.9433% | 604 |
| Total domestic deposits to total assets | 82.5191% | 3,367 |
| Equity capital to assets | 11.8340% | 2,317 |
| Core capital (leverage) ratio | 10.8383% | 2,756 |
| Tier 1 risk-based capital ratio | 12.9555% | 3,862 |
| Total risk-based capital ratio | 14.2086% | 3,772 |
| Memoranda: | ||
| Average total assets | $214,770,330 | 2,737 |
| Average earning assets | $197,647,670 | 2,761 |
| Average equity | $25,137,000 | 2,705 |
| Average total loans | $163,362,000 | 2,503 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9962% | 1,342 |
| Cost of funding earning assets | 1.0933% | 1,206 |
| Net interest margin | 3.9029% | 2,181 |
| Noninterest income to average assets | 0.4032% | 3,163 |
| Noninterest expense to average assets | 2.7437% | 2,764 |
| Loan and lease loss provision to assets | 0.1866% | 883 |
| Net operating income to assets | 1.0508% | 2,656 |
| Return on assets (ROA) | 0.9015% | 3,278 |
| Pretax return on assets | 0.9015% | 3,762 |
| Return on Equity (ROE) | 7.7457% | 3,361 |
| Retained earnings to average equity (ytd only) | 3.7365% | 3,430 |
| Net charge-offs to loans | -0.1136% | 5,057 |
| Credit loss provision to net charge-offs | -217.3913% | 3,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9170% | 2,515 |
| Assets per employee ($millions) | 4.8344% | 2,741 |
| Cash dividends to net income (ytd only)* | 51.7598% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6378% | 997 |
| Loan loss allowance to noncurrent loans | 108.6762% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 1.5629% | 746 |
| Noncurrent loans to loans | 1.5070% | 1,067 |
| Net loans and leases to total assets | 73.6557% | 1,872 |
| Net loans and leases to deposits | 90.0247% | 1,626 |
| Net loans and leases to core deposits | 107.0281% | 1,100 |
| Total domestic deposits to total assets | 81.8172% | 3,775 |
| Equity capital to assets | 11.6339% | 2,288 |
| Core capital (leverage) ratio | 10.8656% | 2,697 |
| Tier 1 risk-based capital ratio | 13.6601% | 3,515 |
| Total risk-based capital ratio | 14.9137% | 3,425 |
| Memoranda: | ||
| Average total assets | $214,309,500 | 2,768 |
| Average earning assets | $196,469,000 | 2,795 |
| Average equity | $24,943,000 | 2,720 |
| Average total loans | $161,905,500 | 2,544 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8522% | 1,418 |
| Cost of funding earning assets | 0.6554% | 2,354 |
| Net interest margin | 4.1968% | 1,393 |
| Noninterest income to average assets | 0.5221% | 2,706 |
| Noninterest expense to average assets | 2.8779% | 2,425 |
| Loan and lease loss provision to assets | 0.1206% | 1,832 |
| Net operating income to assets | 1.3623% | 1,563 |
| Return on assets (ROA) | 1.3699% | 1,521 |
| Pretax return on assets | 1.3699% | 2,238 |
| Return on Equity (ROE) | 11.5073% | 1,898 |
| Retained earnings to average equity (ytd only) | 6.7583% | 1,779 |
| Net charge-offs to loans | 0.0013% | 3,724 |
| Credit loss provision to net charge-offs | 12,000.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 1,475.5000% | 77 |
| Efficiency ratio | 65.9945% | 2,877 |
| Assets per employee ($millions) | 4.3076% | 3,450 |
| Cash dividends to net income (ytd only)* | 41.2693% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5674% | 1,103 |
| Loan loss allowance to noncurrent loans | 102.9388% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 1.6179% | 696 |
| Noncurrent loans to loans | 1.5226% | 1,000 |
| Net loans and leases to total assets | 75.0385% | 1,768 |
| Net loans and leases to deposits | 96.9968% | 973 |
| Net loans and leases to core deposits | 104.2034% | 1,396 |
| Total domestic deposits to total assets | 77.3619% | 4,579 |
| Equity capital to assets | 11.6438% | 2,145 |
| Core capital (leverage) ratio | 11.2763% | 2,286 |
| Tier 1 risk-based capital ratio | 13.8385% | 3,367 |
| Total risk-based capital ratio | 15.0915% | 3,293 |
| Memoranda: | ||
| Average total assets | $198,996,800 | 2,883 |
| Average earning assets | $182,020,800 | 2,896 |
| Average equity | $23,689,400 | 2,756 |
| Average total loans | $153,742,000 | 2,602 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8065% | 1,408 |
| Cost of funding earning assets | 0.5957% | 2,502 |
| Net interest margin | 4.2108% | 1,327 |
| Noninterest income to average assets | 0.5259% | 2,712 |
| Noninterest expense to average assets | 2.9724% | 2,099 |
| Loan and lease loss provision to assets | 0.0952% | 2,072 |
| Net operating income to assets | 1.3151% | 1,800 |
| Return on assets (ROA) | 1.3267% | 1,766 |
| Pretax return on assets | 1.3267% | 2,520 |
| Return on Equity (ROE) | 11.0789% | 2,146 |
| Retained earnings to average equity (ytd only) | 6.8178% | 2,224 |
| Net charge-offs to loans | -0.0237% | 4,682 |
| Credit loss provision to net charge-offs | -518.5185% | 4,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8206% | 2,570 |
| Assets per employee ($millions) | 4.0952% | 3,737 |
| Cash dividends to net income (ytd only)* | 38.4617% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5464% | 1,201 |
| Loan loss allowance to noncurrent loans | 106.6116% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 1.5941% | 790 |
| Noncurrent loans to loans | 1.4505% | 1,131 |
| Net loans and leases to total assets | 76.2107% | 1,633 |
| Net loans and leases to deposits | 97.6368% | 977 |
| Net loans and leases to core deposits | 108.0088% | 1,169 |
| Total domestic deposits to total assets | 78.0553% | 4,476 |
| Equity capital to assets | 11.6102% | 2,173 |
| Core capital (leverage) ratio | 11.4018% | 2,242 |
| Tier 1 risk-based capital ratio | 13.3235% | 3,717 |
| Total risk-based capital ratio | 14.5762% | 3,639 |
| Memoranda: | ||
| Average total assets | $195,977,750 | 2,932 |
| Average earning assets | $179,500,500 | 2,951 |
| Average equity | $23,467,500 | 2,792 |
| Average total loans | $151,950,500 | 2,636 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7788% | 1,309 |
| Cost of funding earning assets | 0.5601% | 2,516 |
| Net interest margin | 4.2187% | 1,241 |
| Noninterest income to average assets | 0.5553% | 2,550 |
| Noninterest expense to average assets | 2.9930% | 2,054 |
| Loan and lease loss provision to assets | 0.0414% | 3,074 |
| Net operating income to assets | 1.3758% | 1,519 |
| Return on assets (ROA) | 1.3934% | 1,466 |
| Pretax return on assets | 1.3934% | 2,168 |
| Return on Equity (ROE) | 11.5126% | 1,905 |
| Retained earnings to average equity (ytd only) | 7.2328% | 1,962 |
| Net charge-offs to loans | -0.0320% | 4,760 |
| Credit loss provision to net charge-offs | -166.6667% | 4,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8647% | 2,671 |
| Assets per employee ($millions) | 3.9343% | 4,015 |
| Cash dividends to net income (ytd only)* | 37.1747% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 1,264 |
| Loan loss allowance to noncurrent loans | 83.6480% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 1.5261% | 870 |
| Noncurrent loans to loans | 1.8439% | 842 |
| Net loans and leases to total assets | 76.1946% | 1,604 |
| Net loans and leases to deposits | 93.7632% | 1,384 |
| Net loans and leases to core deposits | 103.9085% | 1,405 |
| Total domestic deposits to total assets | 81.2628% | 3,927 |
| Equity capital to assets | 12.0153% | 1,846 |
| Core capital (leverage) ratio | 11.6805% | 1,920 |
| Tier 1 risk-based capital ratio | 13.6816% | 3,518 |
| Total risk-based capital ratio | 14.9340% | 3,428 |
| Memoranda: | ||
| Average total assets | $193,050,330 | 2,972 |
| Average earning assets | $176,405,330 | 2,998 |
| Average equity | $23,365,670 | 2,810 |
| Average total loans | $149,767,330 | 2,667 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6976% | 1,314 |
| Cost of funding earning assets | 0.5181% | 2,656 |
| Net interest margin | 4.1795% | 1,217 |
| Noninterest income to average assets | 0.5083% | 2,757 |
| Noninterest expense to average assets | 2.9244% | 2,271 |
| Loan and lease loss provision to assets | 0.0209% | 3,258 |
| Net operating income to assets | 1.3764% | 1,405 |
| Return on assets (ROA) | 1.4120% | 1,321 |
| Pretax return on assets | 1.4120% | 1,966 |
| Return on Equity (ROE) | 11.6227% | 1,717 |
| Retained earnings to average equity (ytd only) | 7.3180% | 2,138 |
| Net charge-offs to loans | -0.0539% | 5,001 |
| Credit loss provision to net charge-offs | -50.0000% | 3,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6670% | 2,886 |
| Assets per employee ($millions) | 3.9870% | 4,005 |
| Cash dividends to net income (ytd only)* | 37.0370% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5451% | 1,303 |
| Loan loss allowance to noncurrent loans | 85.0423% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 1.5237% | 904 |
| Noncurrent loans to loans | 1.8168% | 916 |
| Net loans and leases to total assets | 77.0479% | 1,383 |
| Net loans and leases to deposits | 95.0819% | 1,122 |
| Net loans and leases to core deposits | 101.5286% | 1,570 |
| Total domestic deposits to total assets | 81.0332% | 4,192 |
| Equity capital to assets | 12.1749% | 1,674 |
| Core capital (leverage) ratio | 11.5805% | 1,953 |
| Tier 1 risk-based capital ratio | 13.6793% | 3,559 |
| Total risk-based capital ratio | 14.9318% | 3,463 |
| Memoranda: | ||
| Average total assets | $191,217,500 | 3,021 |
| Average earning assets | $174,470,500 | 3,047 |
| Average equity | $23,230,500 | 2,841 |
| Average total loans | $148,533,500 | 2,704 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6584% | 1,289 |
| Cost of funding earning assets | 0.4823% | 2,484 |
| Net interest margin | 4.1761% | 1,238 |
| Noninterest income to average assets | 0.5837% | 2,530 |
| Noninterest expense to average assets | 2.8595% | 2,575 |
| Loan and lease loss provision to assets | 0.2826% | 625 |
| Net operating income to assets | 1.2624% | 1,319 |
| Return on assets (ROA) | 1.3003% | 1,235 |
| Pretax return on assets | 1.3008% | 2,347 |
| Return on Equity (ROE) | 10.9826% | 1,495 |
| Retained earnings to average equity (ytd only) | 6.5452% | 1,259 |
| Net charge-offs to loans | 0.2140% | 1,214 |
| Credit loss provision to net charge-offs | 172.9904% | 1,566 |
| Earnings coverage of net charge-offs (x) | 9.4598% | 2,786 |
| Efficiency ratio | 64.9135% | 3,463 |
| Assets per employee ($millions) | 4.1534% | 3,732 |
| Cash dividends to net income (ytd only)* | 40.4040% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5506% | 1,273 |
| Loan loss allowance to noncurrent loans | 87.8462% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 1.4629% | 949 |
| Noncurrent loans to loans | 1.7651% | 910 |
| Net loans and leases to total assets | 75.9021% | 1,615 |
| Net loans and leases to deposits | 91.2539% | 1,621 |
| Net loans and leases to core deposits | 97.2661% | 1,917 |
| Total domestic deposits to total assets | 83.1768% | 3,506 |
| Equity capital to assets | 12.1225% | 1,749 |
| Core capital (leverage) ratio | 11.3341% | 2,073 |
| Tier 1 risk-based capital ratio | 13.6393% | 3,553 |
| Total risk-based capital ratio | 14.8919% | 3,462 |
| Memoranda: | ||
| Average total assets | $190,347,800 | 3,017 |
| Average earning assets | $174,181,600 | 3,023 |
| Average equity | $22,535,600 | 2,898 |
| Average total loans | $145,311,400 | 2,705 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6072% | 1,349 |
| Cost of funding earning assets | 0.4762% | 2,466 |
| Net interest margin | 4.1310% | 1,314 |
| Noninterest income to average assets | 0.5924% | 2,518 |
| Noninterest expense to average assets | 2.8886% | 2,453 |
| Loan and lease loss provision to assets | 0.3772% | 379 |
| Net operating income to assets | 1.1148% | 2,020 |
| Return on assets (ROA) | 1.1744% | 1,833 |
| Pretax return on assets | 1.1751% | 3,004 |
| Return on Equity (ROE) | 9.9792% | 2,143 |
| Retained earnings to average equity (ytd only) | 5.5109% | 2,531 |
| Net charge-offs to loans | -0.0221% | 4,885 |
| Credit loss provision to net charge-offs | -2,241.6667% | 5,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9305% | 3,223 |
| Assets per employee ($millions) | 4.1142% | 3,796 |
| Cash dividends to net income (ytd only)* | 44.7763% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7615% | 919 |
| Loan loss allowance to noncurrent loans | 73.0137% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 1.9171% | 699 |
| Noncurrent loans to loans | 2.4126% | 647 |
| Net loans and leases to total assets | 75.5352% | 1,679 |
| Net loans and leases to deposits | 90.8057% | 1,716 |
| Net loans and leases to core deposits | 95.5596% | 2,125 |
| Total domestic deposits to total assets | 83.1834% | 3,399 |
| Equity capital to assets | 11.8184% | 2,097 |
| Core capital (leverage) ratio | 10.9484% | 2,506 |
| Tier 1 risk-based capital ratio | 13.4011% | 3,764 |
| Total risk-based capital ratio | 14.6564% | 3,681 |
| Memoranda: | ||
| Average total assets | $190,170,250 | 3,046 |
| Average earning assets | $174,416,500 | 3,047 |
| Average equity | $22,379,250 | 2,934 |
| Average total loans | $144,814,000 | 2,727 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6332% | 1,193 |
| Cost of funding earning assets | 0.4777% | 2,344 |
| Net interest margin | 4.1555% | 1,187 |
| Noninterest income to average assets | 0.5796% | 2,562 |
| Noninterest expense to average assets | 2.9359% | 2,307 |
| Loan and lease loss provision to assets | 0.2168% | 818 |
| Net operating income to assets | 1.2438% | 1,460 |
| Return on assets (ROA) | 1.2469% | 1,475 |
| Pretax return on assets | 1.2480% | 2,593 |
| Return on Equity (ROE) | 10.6114% | 1,792 |
| Retained earnings to average equity (ytd only) | 6.1112% | 2,053 |
| Net charge-offs to loans | -0.0265% | 4,903 |
| Credit loss provision to net charge-offs | -1,078.9474% | 4,838 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7629% | 3,216 |
| Assets per employee ($millions) | 3.9154% | 4,107 |
| Cash dividends to net income (ytd only)* | 42.4088% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5552% | 1,380 |
| Loan loss allowance to noncurrent loans | 66.8327% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 1.7790% | 781 |
| Noncurrent loans to loans | 2.3270% | 680 |
| Net loans and leases to total assets | 75.2602% | 1,652 |
| Net loans and leases to deposits | 87.3095% | 2,068 |
| Net loans and leases to core deposits | 91.8827% | 2,347 |
| Total domestic deposits to total assets | 86.1993% | 2,293 |
| Equity capital to assets | 11.8419% | 2,047 |
| Core capital (leverage) ratio | 10.9023% | 2,505 |
| Tier 1 risk-based capital ratio | 13.5063% | 3,701 |
| Total risk-based capital ratio | 14.7591% | 3,612 |
| Memoranda: | ||
| Average total assets | $189,104,330 | 3,065 |
| Average earning assets | $173,745,330 | 3,061 |
| Average equity | $22,221,330 | 2,949 |
| Average total loans | $143,525,330 | 2,748 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7088% | 926 |
| Cost of funding earning assets | 0.4825% | 2,227 |
| Net interest margin | 4.2263% | 933 |
| Noninterest income to average assets | 0.5689% | 2,560 |
| Noninterest expense to average assets | 2.7721% | 2,883 |
| Loan and lease loss provision to assets | 0.1918% | 872 |
| Net operating income to assets | 1.4851% | 839 |
| Return on assets (ROA) | 1.4915% | 849 |
| Pretax return on assets | 1.4936% | 1,551 |
| Return on Equity (ROE) | 12.7432% | 1,055 |
| Retained earnings to average equity (ytd only) | 8.1921% | 1,380 |
| Net charge-offs to loans | -0.0028% | 4,051 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2786% | 4,111 |
| Assets per employee ($millions) | 3.8596% | 4,247 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 1,703 |
| Loan loss allowance to noncurrent loans | 50.4581% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 2.2509% | 550 |
| Noncurrent loans to loans | 2.9667% | 466 |
| Net loans and leases to total assets | 74.7369% | 1,623 |
| Net loans and leases to deposits | 87.2139% | 1,887 |
| Net loans and leases to core deposits | 91.8665% | 2,177 |
| Total domestic deposits to total assets | 85.6939% | 2,799 |
| Equity capital to assets | 11.7765% | 1,984 |
| Core capital (leverage) ratio | 10.9704% | 2,388 |
| Tier 1 risk-based capital ratio | 13.4174% | 3,824 |
| Total risk-based capital ratio | 14.6693% | 3,740 |
| Memoranda: | ||
| Average total assets | $187,730,000 | 3,109 |
| Average earning assets | $172,443,000 | 3,104 |
| Average equity | $21,972,500 | 2,986 |
| Average total loans | $141,953,000 | 2,788 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7016% | 1,058 |
| Cost of funding earning assets | 0.5058% | 2,046 |
| Net interest margin | 4.1958% | 1,126 |
| Noninterest income to average assets | 0.5697% | 2,822 |
| Noninterest expense to average assets | 3.1823% | 1,837 |
| Loan and lease loss provision to assets | 0.0164% | 4,050 |
| Net operating income to assets | 1.2194% | 1,439 |
| Return on assets (ROA) | 1.2425% | 1,459 |
| Pretax return on assets | 1.2463% | 2,488 |
| Return on Equity (ROE) | 10.4294% | 1,793 |
| Retained earnings to average equity (ytd only) | 4.6762% | 2,564 |
| Net charge-offs to loans | 0.2652% | 1,042 |
| Credit loss provision to net charge-offs | 8.3333% | 3,747 |
| Earnings coverage of net charge-offs (x) | 6.2806% | 3,201 |
| Efficiency ratio | 71.9653% | 2,593 |
| Assets per employee ($millions) | 3.6537% | 4,536 |
| Cash dividends to net income (ytd only)* | 55.1633% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4650% | 1,818 |
| Loan loss allowance to noncurrent loans | 46.5701% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 2.3704% | 520 |
| Noncurrent loans to loans | 3.1457% | 417 |
| Net loans and leases to total assets | 74.2506% | 1,805 |
| Net loans and leases to deposits | 85.8720% | 2,191 |
| Net loans and leases to core deposits | 92.1637% | 2,286 |
| Total domestic deposits to total assets | 86.4665% | 2,388 |
| Equity capital to assets | 11.6310% | 2,061 |
| Core capital (leverage) ratio | 10.8266% | 2,508 |
| Tier 1 risk-based capital ratio | 13.5490% | 3,740 |
| Total risk-based capital ratio | 14.8010% | 3,647 |
| Memoranda: | ||
| Average total assets | $182,381,000 | 3,141 |
| Average earning assets | $167,455,000 | 3,146 |
| Average equity | $21,727,000 | 3,003 |
| Average total loans | $135,755,600 | 2,834 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7268% | 1,021 |
| Cost of funding earning assets | 0.5088% | 2,026 |
| Net interest margin | 4.2180% | 1,084 |
| Noninterest income to average assets | 0.6064% | 2,630 |
| Noninterest expense to average assets | 3.1349% | 1,943 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3429% | 1,181 |
| Return on assets (ROA) | 1.3694% | 1,197 |
| Pretax return on assets | 1.3731% | 2,149 |
| Return on Equity (ROE) | 11.4254% | 1,513 |
| Retained earnings to average equity (ytd only) | 6.2125% | 2,056 |
| Net charge-offs to loans | -0.0505% | 5,373 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9524% | 2,893 |
| Assets per employee ($millions) | 3.6392% | 4,584 |
| Cash dividends to net income (ytd only)* | 45.6255% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7513% | 1,100 |
| Loan loss allowance to noncurrent loans | 54.2864% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 2.4197% | 577 |
| Noncurrent loans to loans | 3.2260% | 440 |
| Net loans and leases to total assets | 73.6940% | 1,921 |
| Net loans and leases to deposits | 86.7554% | 2,176 |
| Net loans and leases to core deposits | 93.5675% | 2,223 |
| Total domestic deposits to total assets | 84.9445% | 2,829 |
| Equity capital to assets | 12.0496% | 2,086 |
| Core capital (leverage) ratio | 10.9536% | 2,499 |
| Tier 1 risk-based capital ratio | 13.5816% | 3,814 |
| Total risk-based capital ratio | 14.8368% | 3,721 |
| Memoranda: | ||
| Average total assets | $181,391,750 | 3,164 |
| Average earning assets | $166,648,250 | 3,170 |
| Average equity | $21,740,500 | 3,030 |
| Average total loans | $134,591,000 | 2,854 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7848% | 913 |
| Cost of funding earning assets | 0.5113% | 2,017 |
| Net interest margin | 4.2735% | 978 |
| Noninterest income to average assets | 0.5800% | 2,722 |
| Noninterest expense to average assets | 3.2002% | 1,811 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2945% | 1,282 |
| Return on assets (ROA) | 1.3345% | 1,279 |
| Pretax return on assets | 1.3390% | 2,250 |
| Return on Equity (ROE) | 11.1551% | 1,589 |
| Retained earnings to average equity (ytd only) | 5.5822% | 2,373 |
| Net charge-offs to loans | -0.0707% | 5,505 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1287% | 2,798 |
| Assets per employee ($millions) | 3.3864% | 4,940 |
| Cash dividends to net income (ytd only)* | 49.9584% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7847% | 1,102 |
| Loan loss allowance to noncurrent loans | 54.4397% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 2.4750% | 562 |
| Noncurrent loans to loans | 3.2784% | 423 |
| Net loans and leases to total assets | 73.2471% | 1,970 |
| Net loans and leases to deposits | 84.0296% | 2,463 |
| Net loans and leases to core deposits | 91.3346% | 2,402 |
| Total domestic deposits to total assets | 87.1682% | 1,828 |
| Equity capital to assets | 12.0329% | 2,105 |
| Core capital (leverage) ratio | 10.9839% | 2,444 |
| Tier 1 risk-based capital ratio | 13.5661% | 3,860 |
| Total risk-based capital ratio | 14.8213% | 3,775 |
| Memoranda: | ||
| Average total assets | $179,989,000 | 3,195 |
| Average earning assets | $165,063,330 | 3,210 |
| Average equity | $21,532,670 | 3,049 |
| Average total loans | $133,050,000 | 2,884 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7043% | 1,041 |
| Cost of funding earning assets | 0.5118% | 2,011 |
| Net interest margin | 4.1925% | 1,112 |
| Noninterest income to average assets | 0.5578% | 2,761 |
| Noninterest expense to average assets | 3.1453% | 1,968 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2456% | 1,416 |
| Return on assets (ROA) | 1.2949% | 1,351 |
| Pretax return on assets | 1.2971% | 2,314 |
| Return on Equity (ROE) | 10.8560% | 1,647 |
| Retained earnings to average equity (ytd only) | 4.2823% | 3,338 |
| Net charge-offs to loans | -0.0639% | 5,454 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5961% | 2,855 |
| Assets per employee ($millions) | 3.5496% | 4,744 |
| Cash dividends to net income (ytd only)* | 60.5536% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8048% | 1,142 |
| Loan loss allowance to noncurrent loans | 47.5420% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 2.7979% | 481 |
| Noncurrent loans to loans | 3.7963% | 330 |
| Net loans and leases to total assets | 72.3699% | 1,974 |
| Net loans and leases to deposits | 84.0224% | 2,302 |
| Net loans and leases to core deposits | 91.8905% | 2,192 |
| Total domestic deposits to total assets | 86.1317% | 2,618 |
| Equity capital to assets | 11.8803% | 2,105 |
| Core capital (leverage) ratio | 11.0370% | 2,373 |
| Tier 1 risk-based capital ratio | 13.6410% | 3,906 |
| Total risk-based capital ratio | 14.8965% | 3,832 |
| Memoranda: | ||
| Average total assets | $178,550,500 | 3,218 |
| Average earning assets | $163,339,500 | 3,237 |
| Average equity | $21,297,000 | 3,077 |
| Average total loans | $131,386,000 | 2,912 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7530% | 1,006 |
| Cost of funding earning assets | 0.5301% | 1,924 |
| Net interest margin | 4.2229% | 1,119 |
| Noninterest income to average assets | 0.6161% | 2,638 |
| Noninterest expense to average assets | 3.3156% | 1,689 |
| Loan and lease loss provision to assets | 0.0990% | 2,333 |
| Net operating income to assets | 1.0910% | 1,964 |
| Return on assets (ROA) | 1.1285% | 1,872 |
| Pretax return on assets | 1.1355% | 2,904 |
| Return on Equity (ROE) | 9.3597% | 2,287 |
| Retained earnings to average equity (ytd only) | 4.0472% | 3,135 |
| Net charge-offs to loans | 0.0669% | 2,904 |
| Credit loss provision to net charge-offs | 200.0000% | 1,388 |
| Earnings coverage of net charge-offs (x) | 24.1765% | 1,690 |
| Efficiency ratio | 73.4804% | 2,659 |
| Assets per employee ($millions) | 3.3860% | 5,004 |
| Cash dividends to net income (ytd only)* | 56.7595% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8454% | 1,056 |
| Loan loss allowance to noncurrent loans | 44.7590% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 3.0289% | 433 |
| Noncurrent loans to loans | 4.1229% | 287 |
| Net loans and leases to total assets | 72.1105% | 2,033 |
| Net loans and leases to deposits | 83.5225% | 2,415 |
| Net loans and leases to core deposits | 88.6429% | 2,541 |
| Total domestic deposits to total assets | 86.3367% | 2,468 |
| Equity capital to assets | 11.9765% | 1,968 |
| Core capital (leverage) ratio | 10.8349% | 2,579 |
| Tier 1 risk-based capital ratio | 14.1681% | 3,625 |
| Total risk-based capital ratio | 15.4245% | 3,534 |
| Memoranda: | ||
| Average total assets | $171,731,400 | 3,278 |
| Average earning assets | $158,445,800 | 3,273 |
| Average equity | $20,705,800 | 3,105 |
| Average total loans | $127,073,800 | 2,932 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7008% | 1,101 |
| Cost of funding earning assets | 0.5344% | 1,934 |
| Net interest margin | 4.1664% | 1,238 |
| Noninterest income to average assets | 0.6040% | 2,717 |
| Noninterest expense to average assets | 3.3105% | 1,665 |
| Loan and lease loss provision to assets | 0.1016% | 2,156 |
| Net operating income to assets | 1.0342% | 2,306 |
| Return on assets (ROA) | 1.0845% | 2,165 |
| Pretax return on assets | 1.0923% | 3,264 |
| Return on Equity (ROE) | 8.9790% | 2,591 |
| Retained earnings to average equity (ytd only) | 4.1273% | 3,531 |
| Net charge-offs to loans | 0.0148% | 3,664 |
| Credit loss provision to net charge-offs | 928.5714% | 393 |
| Earnings coverage of net charge-offs (x) | 104.4788% | 599 |
| Efficiency ratio | 74.3333% | 2,499 |
| Assets per employee ($millions) | 3.2241% | 5,250 |
| Cash dividends to net income (ytd only)* | 54.0349% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8467% | 1,182 |
| Loan loss allowance to noncurrent loans | 97.4607% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 1.4250% | 1,603 |
| Noncurrent loans to loans | 1.8949% | 1,224 |
| Net loans and leases to total assets | 73.8163% | 1,766 |
| Net loans and leases to deposits | 86.6495% | 2,077 |
| Net loans and leases to core deposits | 90.4761% | 2,416 |
| Total domestic deposits to total assets | 85.1896% | 2,937 |
| Equity capital to assets | 12.0160% | 2,092 |
| Core capital (leverage) ratio | 10.9775% | 2,511 |
| Tier 1 risk-based capital ratio | 14.1312% | 3,776 |
| Total risk-based capital ratio | 15.3894% | 3,707 |
| Memoranda: | ||
| Average total assets | $170,646,750 | 3,319 |
| Average earning assets | $157,670,250 | 3,318 |
| Average equity | $20,610,500 | 3,136 |
| Average total loans | $126,504,250 | 2,967 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6945% | 1,074 |
| Cost of funding earning assets | 0.5379% | 1,920 |
| Net interest margin | 4.1566% | 1,213 |
| Noninterest income to average assets | 0.5640% | 2,948 |
| Noninterest expense to average assets | 3.1989% | 1,984 |
| Loan and lease loss provision to assets | 0.0826% | 2,462 |
| Net operating income to assets | 1.1206% | 1,874 |
| Return on assets (ROA) | 1.1965% | 1,690 |
| Pretax return on assets | 1.2071% | 2,751 |
| Return on Equity (ROE) | 9.8891% | 2,125 |
| Retained earnings to average equity (ytd only) | 5.0128% | 2,856 |
| Net charge-offs to loans | 0.0288% | 3,092 |
| Credit loss provision to net charge-offs | 388.8889% | 761 |
| Earnings coverage of net charge-offs (x) | 57.1111% | 869 |
| Efficiency ratio | 72.5060% | 2,931 |
| Assets per employee ($millions) | 3.3257% | 5,116 |
| Cash dividends to net income (ytd only)* | 49.3097% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8523% | 1,260 |
| Loan loss allowance to noncurrent loans | 122.4129% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 1.1686% | 2,171 |
| Noncurrent loans to loans | 1.5131% | 1,757 |
| Net loans and leases to total assets | 73.5405% | 1,738 |
| Net loans and leases to deposits | 85.0925% | 2,169 |
| Net loans and leases to core deposits | 88.8854% | 2,464 |
| Total domestic deposits to total assets | 86.4241% | 2,474 |
| Equity capital to assets | 12.1249% | 1,931 |
| Core capital (leverage) ratio | 11.0855% | 2,340 |
| Tier 1 risk-based capital ratio | 13.7239% | 4,082 |
| Total risk-based capital ratio | 14.9795% | 4,019 |
| Memoranda: | ||
| Average total assets | $169,495,330 | 3,358 |
| Average earning assets | $156,906,670 | 3,347 |
| Average equity | $20,507,330 | 3,162 |
| Average total loans | $125,028,000 | 2,999 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6872% | 1,054 |
| Cost of funding earning assets | 0.5372% | 1,953 |
| Net interest margin | 4.1500% | 1,165 |
| Noninterest income to average assets | 0.4840% | 3,397 |
| Noninterest expense to average assets | 3.3098% | 1,700 |
| Loan and lease loss provision to assets | 0.0708% | 2,521 |
| Net operating income to assets | 0.9396% | 2,563 |
| Return on assets (ROA) | 0.9372% | 2,706 |
| Pretax return on assets | 0.9490% | 3,698 |
| Return on Equity (ROE) | 7.7545% | 3,096 |
| Retained earnings to average equity (ytd only) | 2.8713% | 4,244 |
| Net charge-offs to loans | -0.0194% | 5,036 |
| Credit loss provision to net charge-offs | -500.0000% | 4,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4033% | 2,448 |
| Assets per employee ($millions) | 3.4591% | 4,973 |
| Cash dividends to net income (ytd only)* | 62.9723% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8818% | 1,320 |
| Loan loss allowance to noncurrent loans | 132.4646% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 1.0413% | 2,535 |
| Noncurrent loans to loans | 1.4206% | 2,023 |
| Net loans and leases to total assets | 71.9209% | 1,815 |
| Net loans and leases to deposits | 83.9200% | 2,088 |
| Net loans and leases to core deposits | 88.1280% | 2,316 |
| Total domestic deposits to total assets | 85.7017% | 3,098 |
| Equity capital to assets | 12.1897% | 1,900 |
| Core capital (leverage) ratio | 10.9384% | 2,476 |
| Tier 1 risk-based capital ratio | 13.7107% | 4,213 |
| Total risk-based capital ratio | 14.9663% | 4,116 |
| Memoranda: | ||
| Average total assets | $169,438,000 | 3,374 |
| Average earning assets | $157,109,500 | 3,365 |
| Average equity | $20,478,500 | 3,182 |
| Average total loans | $123,999,000 | 3,014 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6591% | 1,394 |
| Cost of funding earning assets | 0.5883% | 1,874 |
| Net interest margin | 4.0708% | 1,679 |
| Noninterest income to average assets | 0.5623% | 3,110 |
| Noninterest expense to average assets | 3.2019% | 2,211 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1177% | 1,915 |
| Return on assets (ROA) | 1.1342% | 1,906 |
| Pretax return on assets | 1.1402% | 2,922 |
| Return on Equity (ROE) | 9.7264% | 2,241 |
| Retained earnings to average equity (ytd only) | 4.6019% | 2,905 |
| Net charge-offs to loans | 0.0563% | 3,706 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 28.0597% | 1,409 |
| Efficiency ratio | 74.0260% | 2,833 |
| Assets per employee ($millions) | 3.3876% | 5,088 |
| Cash dividends to net income (ytd only)* | 52.6870% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8601% | 1,400 |
| Loan loss allowance to noncurrent loans | 114.2999% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 1.2192% | 2,335 |
| Noncurrent loans to loans | 1.6274% | 1,799 |
| Net loans and leases to total assets | 71.7056% | 1,955 |
| Net loans and leases to deposits | 83.6334% | 2,259 |
| Net loans and leases to core deposits | 87.4891% | 2,552 |
| Total domestic deposits to total assets | 85.7380% | 2,970 |
| Equity capital to assets | 11.9825% | 2,028 |
| Core capital (leverage) ratio | 10.7793% | 2,637 |
| Tier 1 risk-based capital ratio | 13.5448% | 4,388 |
| Total risk-based capital ratio | 14.8011% | 4,319 |
| Memoranda: | ||
| Average total assets | $167,340,000 | 3,373 |
| Average earning assets | $154,686,200 | 3,369 |
| Average equity | $19,513,800 | 3,212 |
| Average total loans | $118,968,600 | 3,067 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6635% | 1,397 |
| Cost of funding earning assets | 0.5970% | 1,862 |
| Net interest margin | 4.0665% | 1,672 |
| Noninterest income to average assets | 0.5778% | 3,009 |
| Noninterest expense to average assets | 3.2312% | 2,085 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0989% | 2,037 |
| Return on assets (ROA) | 1.1205% | 2,023 |
| Pretax return on assets | 1.1245% | 3,092 |
| Return on Equity (ROE) | 9.6763% | 2,361 |
| Retained earnings to average equity (ytd only) | 4.4999% | 3,451 |
| Net charge-offs to loans | -0.0079% | 5,381 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5528% | 2,728 |
| Assets per employee ($millions) | 3.3287% | 5,192 |
| Cash dividends to net income (ytd only)* | 53.4952% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9408% | 1,372 |
| Loan loss allowance to noncurrent loans | 147.3945% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.9796% | 3,003 |
| Noncurrent loans to loans | 1.3167% | 2,449 |
| Net loans and leases to total assets | 70.7161% | 2,074 |
| Net loans and leases to deposits | 82.8450% | 2,314 |
| Net loans and leases to core deposits | 86.9076% | 2,556 |
| Total domestic deposits to total assets | 85.3595% | 3,182 |
| Equity capital to assets | 11.7341% | 2,280 |
| Core capital (leverage) ratio | 10.6048% | 2,916 |
| Tier 1 risk-based capital ratio | 13.2537% | 4,695 |
| Total risk-based capital ratio | 14.5102% | 4,630 |
| Memoranda: | ||
| Average total assets | $166,830,000 | 3,408 |
| Average earning assets | $154,100,250 | 3,402 |
| Average equity | $19,318,250 | 3,252 |
| Average total loans | $117,771,500 | 3,103 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6750% | 1,340 |
| Cost of funding earning assets | 0.6017% | 1,882 |
| Net interest margin | 4.0734% | 1,595 |
| Noninterest income to average assets | 0.5632% | 3,027 |
| Noninterest expense to average assets | 3.2077% | 2,171 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1154% | 1,876 |
| Return on assets (ROA) | 1.1275% | 1,921 |
| Pretax return on assets | 1.1311% | 2,969 |
| Return on Equity (ROE) | 9.7815% | 2,250 |
| Retained earnings to average equity (ytd only) | 4.5508% | 3,273 |
| Net charge-offs to loans | 0.0585% | 3,132 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 27.2941% | 1,347 |
| Efficiency ratio | 74.1360% | 2,954 |
| Assets per employee ($millions) | 3.4796% | 4,889 |
| Cash dividends to net income (ytd only)* | 53.4759% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9767% | 1,410 |
| Loan loss allowance to noncurrent loans | 147.7848% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.9478% | 3,169 |
| Noncurrent loans to loans | 1.3376% | 2,573 |
| Net loans and leases to total assets | 67.9128% | 2,422 |
| Net loans and leases to deposits | 78.3270% | 2,754 |
| Net loans and leases to core deposits | 82.0792% | 2,964 |
| Total domestic deposits to total assets | 86.7042% | 2,628 |
| Equity capital to assets | 11.5614% | 2,365 |
| Core capital (leverage) ratio | 10.7884% | 2,634 |
| Tier 1 risk-based capital ratio | 13.4399% | 4,625 |
| Total risk-based capital ratio | 14.6947% | 4,560 |
| Memoranda: | ||
| Average total assets | $165,852,670 | 3,442 |
| Average earning assets | $153,239,330 | 3,428 |
| Average equity | $19,117,670 | 3,270 |
| Average total loans | $116,220,330 | 3,133 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7562% | 1,134 |
| Cost of funding earning assets | 0.6091% | 1,901 |
| Net interest margin | 4.1471% | 1,350 |
| Noninterest income to average assets | 0.4501% | 3,795 |
| Noninterest expense to average assets | 3.3657% | 1,795 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9124% | 2,591 |
| Return on assets (ROA) | 0.9124% | 2,664 |
| Pretax return on assets | 0.9148% | 3,648 |
| Return on Equity (ROE) | 7.9275% | 2,963 |
| Retained earnings to average equity (ytd only) | 2.6142% | 4,507 |
| Net charge-offs to loans | -0.0069% | 4,915 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6286% | 2,385 |
| Assets per employee ($millions) | 3.2839% | 5,377 |
| Cash dividends to net income (ytd only)* | 67.0241% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0555% | 1,402 |
| Loan loss allowance to noncurrent loans | 159.9461% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.9251% | 3,414 |
| Noncurrent loans to loans | 1.2851% | 2,885 |
| Net loans and leases to total assets | 68.8372% | 2,081 |
| Net loans and leases to deposits | 79.7184% | 2,334 |
| Net loans and leases to core deposits | 83.6947% | 2,552 |
| Total domestic deposits to total assets | 86.3505% | 3,182 |
| Equity capital to assets | 11.6239% | 2,150 |
| Core capital (leverage) ratio | 10.7683% | 2,632 |
| Tier 1 risk-based capital ratio | 13.6730% | 4,559 |
| Total risk-based capital ratio | 14.9309% | 4,506 |
| Memoranda: | ||
| Average total assets | $163,530,000 | 3,505 |
| Average earning assets | $151,043,500 | 3,486 |
| Average equity | $18,820,500 | 3,310 |
| Average total loans | $115,268,000 | 3,169 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7483% | 1,449 |
| Cost of funding earning assets | 0.6309% | 2,381 |
| Net interest margin | 4.1173% | 1,600 |
| Noninterest income to average assets | 0.7972% | 2,090 |
| Noninterest expense to average assets | 3.0748% | 2,822 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.5093% | 806 |
| Return on assets (ROA) | 1.4976% | 867 |
| Pretax return on assets | 1.5001% | 1,449 |
| Return on Equity (ROE) | 13.2758% | 1,113 |
| Retained earnings to average equity (ytd only) | 7.8057% | 1,120 |
| Net charge-offs to loans | 0.0690% | 4,240 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 31.8182% | 1,123 |
| Efficiency ratio | 67.0389% | 4,366 |
| Assets per employee ($millions) | 3.2573% | 5,370 |
| Cash dividends to net income (ytd only)* | 41.2031% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0576% | 1,426 |
| Loan loss allowance to noncurrent loans | 147.6012% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 1.0076% | 3,403 |
| Noncurrent loans to loans | 1.3940% | 2,804 |
| Net loans and leases to total assets | 69.2400% | 2,136 |
| Net loans and leases to deposits | 80.4416% | 2,391 |
| Net loans and leases to core deposits | 83.5534% | 2,718 |
| Total domestic deposits to total assets | 86.0749% | 3,221 |
| Equity capital to assets | 11.3929% | 2,241 |
| Core capital (leverage) ratio | 10.6426% | 2,739 |
| Tier 1 risk-based capital ratio | 13.7145% | 4,510 |
| Total risk-based capital ratio | 14.9725% | 4,449 |
| Memoranda: | ||
| Average total assets | $162,060,200 | 3,528 |
| Average earning assets | $149,149,600 | 3,520 |
| Average equity | $18,281,400 | 3,374 |
| Average total loans | $111,627,400 | 3,217 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7346% | 1,512 |
| Cost of funding earning assets | 0.6422% | 2,433 |
| Net interest margin | 4.0924% | 1,656 |
| Noninterest income to average assets | 0.6565% | 2,847 |
| Noninterest expense to average assets | 3.1253% | 2,579 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2925% | 1,373 |
| Return on assets (ROA) | 1.2925% | 1,439 |
| Pretax return on assets | 1.2949% | 2,351 |
| Return on Equity (ROE) | 11.4860% | 1,661 |
| Retained earnings to average equity (ytd only) | 5.9956% | 2,408 |
| Net charge-offs to loans | 0.0879% | 3,694 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 21.5345% | 1,540 |
| Efficiency ratio | 70.7044% | 3,643 |
| Assets per employee ($millions) | 3.3682% | 5,134 |
| Cash dividends to net income (ytd only)* | 47.8013% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0886% | 1,534 |
| Loan loss allowance to noncurrent loans | 181.8391% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.8598% | 3,968 |
| Noncurrent loans to loans | 1.1486% | 3,511 |
| Net loans and leases to total assets | 67.4041% | 2,394 |
| Net loans and leases to deposits | 78.6973% | 2,560 |
| Net loans and leases to core deposits | 81.3141% | 2,957 |
| Total domestic deposits to total assets | 85.6497% | 3,430 |
| Equity capital to assets | 10.9324% | 2,826 |
| Core capital (leverage) ratio | 10.3467% | 3,172 |
| Tier 1 risk-based capital ratio | 13.6005% | 4,690 |
| Total risk-based capital ratio | 14.8667% | 4,638 |
| Memoranda: | ||
| Average total assets | $161,859,250 | 3,569 |
| Average earning assets | $148,858,500 | 3,555 |
| Average equity | $18,213,000 | 3,420 |
| Average total loans | $110,750,250 | 3,251 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7017% | 1,567 |
| Cost of funding earning assets | 0.6568% | 2,442 |
| Net interest margin | 4.0449% | 1,713 |
| Noninterest income to average assets | 0.6605% | 2,852 |
| Noninterest expense to average assets | 3.0697% | 2,764 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3035% | 1,315 |
| Return on assets (ROA) | 1.3035% | 1,400 |
| Pretax return on assets | 1.3060% | 2,279 |
| Return on Equity (ROE) | 11.4726% | 1,648 |
| Retained earnings to average equity (ytd only) | 5.9990% | 2,442 |
| Net charge-offs to loans | 0.0219% | 4,398 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 87.5000% | 518 |
| Efficiency ratio | 70.1535% | 3,797 |
| Assets per employee ($millions) | 3.3585% | 5,153 |
| Cash dividends to net income (ytd only)* | 47.7099% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1296% | 1,562 |
| Loan loss allowance to noncurrent loans | 162.1586% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.9419% | 3,904 |
| Noncurrent loans to loans | 1.3133% | 3,363 |
| Net loans and leases to total assets | 67.9717% | 2,238 |
| Net loans and leases to deposits | 78.2866% | 2,532 |
| Net loans and leases to core deposits | 80.8522% | 2,929 |
| Total domestic deposits to total assets | 86.8242% | 2,925 |
| Equity capital to assets | 11.0739% | 2,684 |
| Core capital (leverage) ratio | 10.3426% | 3,055 |
| Tier 1 risk-based capital ratio | 13.5858% | 4,719 |
| Total risk-based capital ratio | 14.8532% | 4,671 |
| Memoranda: | ||
| Average total assets | $160,798,330 | 3,596 |
| Average earning assets | $147,691,330 | 3,601 |
| Average equity | $18,269,670 | 3,426 |
| Average total loans | $109,794,330 | 3,277 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7462% | 1,411 |
| Cost of funding earning assets | 0.6757% | 2,432 |
| Net interest margin | 4.0705% | 1,560 |
| Noninterest income to average assets | 0.6293% | 2,982 |
| Noninterest expense to average assets | 3.2294% | 2,270 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1453% | 1,698 |
| Return on assets (ROA) | 1.1453% | 1,807 |
| Pretax return on assets | 1.1453% | 2,788 |
| Return on Equity (ROE) | 9.9494% | 2,082 |
| Retained earnings to average equity (ytd only) | 4.4827% | 3,542 |
| Net charge-offs to loans | 0.0558% | 3,266 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 30.3333% | 955 |
| Efficiency ratio | 73.8205% | 3,297 |
| Assets per employee ($millions) | 3.2903% | 5,452 |
| Cash dividends to net income (ytd only)* | 54.9451% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2633% | 1,467 |
| Loan loss allowance to noncurrent loans | 172.7790% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 1.0156% | 3,895 |
| Noncurrent loans to loans | 1.3099% | 3,598 |
| Net loans and leases to total assets | 66.4687% | 2,289 |
| Net loans and leases to deposits | 76.2058% | 2,603 |
| Net loans and leases to core deposits | 79.0693% | 2,918 |
| Total domestic deposits to total assets | 87.2227% | 2,813 |
| Equity capital to assets | 11.6193% | 2,316 |
| Core capital (leverage) ratio | 10.2223% | 3,119 |
| Tier 1 risk-based capital ratio | 13.0861% | 5,155 |
| Total risk-based capital ratio | 14.3524% | 5,094 |
| Memoranda: | ||
| Average total assets | $158,914,000 | 3,672 |
| Average earning assets | $146,223,500 | 3,659 |
| Average equity | $18,292,500 | 3,483 |
| Average total loans | $107,545,000 | 3,345 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1557% | 1,196 |
| Cost of funding earning assets | 0.8376% | 2,375 |
| Net interest margin | 4.3181% | 1,361 |
| Noninterest income to average assets | 0.8098% | 2,220 |
| Noninterest expense to average assets | 3.2410% | 2,489 |
| Loan and lease loss provision to assets | 0.1128% | 4,228 |
| Net operating income to assets | 1.4599% | 988 |
| Return on assets (ROA) | 1.4624% | 1,099 |
| Pretax return on assets | 1.4644% | 1,804 |
| Return on Equity (ROE) | 12.9652% | 1,231 |
| Retained earnings to average equity (ytd only) | 7.4233% | 1,364 |
| Net charge-offs to loans | -0.0350% | 6,639 |
| Credit loss provision to net charge-offs | -451.2821% | 6,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3013% | 4,267 |
| Assets per employee ($millions) | 3.2631% | 5,487 |
| Cash dividends to net income (ytd only)* | 42.7444% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2715% | 1,414 |
| Loan loss allowance to noncurrent loans | 131.7888% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 1.2740% | 3,521 |
| Noncurrent loans to loans | 1.7236% | 3,024 |
| Net loans and leases to total assets | 65.8163% | 2,558 |
| Net loans and leases to deposits | 75.4578% | 2,886 |
| Net loans and leases to core deposits | 78.1023% | 3,247 |
| Total domestic deposits to total assets | 87.2226% | 2,692 |
| Equity capital to assets | 11.4039% | 2,533 |
| Core capital (leverage) ratio | 10.0682% | 3,311 |
| Tier 1 risk-based capital ratio | 12.9318% | 5,162 |
| Total risk-based capital ratio | 14.1985% | 5,086 |
| Memoranda: | ||
| Average total assets | $155,971,600 | 3,687 |
| Average earning assets | $144,693,200 | 3,647 |
| Average equity | $17,593,200 | 3,521 |
| Average total loans | $111,538,800 | 3,266 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2620% | 1,077 |
| Cost of funding earning assets | 0.8653% | 2,429 |
| Net interest margin | 4.3967% | 1,205 |
| Noninterest income to average assets | 0.8275% | 2,132 |
| Noninterest expense to average assets | 3.3532% | 2,122 |
| Loan and lease loss provision to assets | 0.1514% | 3,647 |
| Net operating income to assets | 1.4117% | 1,198 |
| Return on assets (ROA) | 1.4117% | 1,315 |
| Pretax return on assets | 1.4142% | 2,187 |
| Return on Equity (ROE) | 12.5506% | 1,450 |
| Retained earnings to average equity (ytd only) | 7.0057% | 2,129 |
| Net charge-offs to loans | -0.0249% | 6,543 |
| Credit loss provision to net charge-offs | -838.0952% | 6,520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1707% | 4,023 |
| Assets per employee ($millions) | 3.2420% | 5,551 |
| Cash dividends to net income (ytd only)* | 44.1802% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2039% | 1,697 |
| Loan loss allowance to noncurrent loans | 120.7960% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 1.3643% | 3,567 |
| Noncurrent loans to loans | 1.8245% | 3,041 |
| Net loans and leases to total assets | 69.2339% | 2,063 |
| Net loans and leases to deposits | 79.8008% | 2,418 |
| Net loans and leases to core deposits | 82.6473% | 2,881 |
| Total domestic deposits to total assets | 86.7584% | 2,822 |
| Equity capital to assets | 11.5309% | 2,716 |
| Core capital (leverage) ratio | 10.0045% | 3,534 |
| Tier 1 risk-based capital ratio | 12.5527% | 5,601 |
| Total risk-based capital ratio | 13.8188% | 5,549 |
| Memoranda: | ||
| Average total assets | $154,991,500 | 3,735 |
| Average earning assets | $144,225,250 | 3,685 |
| Average equity | $17,433,000 | 3,581 |
| Average total loans | $112,503,250 | 3,270 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2984% | 1,062 |
| Cost of funding earning assets | 0.8840% | 2,530 |
| Net interest margin | 4.4144% | 1,163 |
| Noninterest income to average assets | 0.7998% | 2,181 |
| Noninterest expense to average assets | 3.3699% | 2,102 |
| Loan and lease loss provision to assets | 0.1757% | 3,344 |
| Net operating income to assets | 1.3619% | 1,278 |
| Return on assets (ROA) | 1.3619% | 1,437 |
| Pretax return on assets | 1.3645% | 2,335 |
| Return on Equity (ROE) | 12.2113% | 1,600 |
| Retained earnings to average equity (ytd only) | 6.7081% | 2,266 |
| Net charge-offs to loans | 0.0088% | 5,344 |
| Credit loss provision to net charge-offs | 2,720.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 238.4000% | 178 |
| Efficiency ratio | 68.6316% | 4,013 |
| Assets per employee ($millions) | 3.4635% | 5,061 |
| Cash dividends to net income (ytd only)* | 45.0664% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0767% | 2,045 |
| Loan loss allowance to noncurrent loans | 112.0493% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 1.4667% | 3,506 |
| Noncurrent loans to loans | 1.8533% | 3,143 |
| Net loans and leases to total assets | 71.4617% | 1,648 |
| Net loans and leases to deposits | 82.0482% | 2,105 |
| Net loans and leases to core deposits | 84.9487% | 2,570 |
| Total domestic deposits to total assets | 87.0971% | 2,719 |
| Equity capital to assets | 11.2956% | 2,796 |
| Core capital (leverage) ratio | 9.8879% | 3,592 |
| Tier 1 risk-based capital ratio | 11.9614% | 5,961 |
| Total risk-based capital ratio | 13.2191% | 5,924 |
| Memoranda: | ||
| Average total assets | $154,783,330 | 3,754 |
| Average earning assets | $144,119,670 | 3,713 |
| Average equity | $17,262,670 | 3,604 |
| Average total loans | $113,282,000 | 3,268 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2923% | 1,109 |
| Cost of funding earning assets | 0.9156% | 2,567 |
| Net interest margin | 4.3768% | 1,278 |
| Noninterest income to average assets | 0.7131% | 2,593 |
| Noninterest expense to average assets | 3.4879% | 1,785 |
| Loan and lease loss provision to assets | 0.1037% | 4,040 |
| Net operating income to assets | 1.1618% | 1,851 |
| Return on assets (ROA) | 1.1618% | 2,030 |
| Pretax return on assets | 1.1877% | 2,957 |
| Return on Equity (ROE) | 10.4847% | 2,238 |
| Retained earnings to average equity (ytd only) | 5.2190% | 3,423 |
| Net charge-offs to loans | -0.0566% | 6,576 |
| Credit loss provision to net charge-offs | -250.0000% | 5,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9788% | 3,259 |
| Assets per employee ($millions) | 3.3411% | 5,470 |
| Cash dividends to net income (ytd only)* | 50.2232% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0293% | 2,272 |
| Loan loss allowance to noncurrent loans | 164.4141% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 1.1861% | 4,147 |
| Noncurrent loans to loans | 1.2342% | 4,277 |
| Net loans and leases to total assets | 71.8411% | 1,430 |
| Net loans and leases to deposits | 82.3064% | 1,892 |
| Net loans and leases to core deposits | 85.3831% | 2,361 |
| Total domestic deposits to total assets | 87.2850% | 2,779 |
| Equity capital to assets | 11.1671% | 2,740 |
| Core capital (leverage) ratio | 9.7811% | 3,670 |
| Tier 1 risk-based capital ratio | 11.8018% | 6,087 |
| Total risk-based capital ratio | 13.0662% | 6,058 |
| Memoranda: | ||
| Average total assets | $154,246,500 | 3,798 |
| Average earning assets | $143,301,500 | 3,760 |
| Average equity | $17,091,500 | 3,634 |
| Average total loans | $113,053,000 | 3,298 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6291% | 902 |
| Cost of funding earning assets | 1.1055% | 2,633 |
| Net interest margin | 4.5236% | 1,086 |
| Noninterest income to average assets | 0.7339% | 2,424 |
| Noninterest expense to average assets | 3.2207% | 2,791 |
| Loan and lease loss provision to assets | 0.2825% | 3,410 |
| Net operating income to assets | 1.4219% | 987 |
| Return on assets (ROA) | 1.4553% | 996 |
| Pretax return on assets | 1.4638% | 1,577 |
| Return on Equity (ROE) | 13.6266% | 1,027 |
| Retained earnings to average equity (ytd only) | 8.0647% | 1,056 |
| Net charge-offs to loans | 0.1722% | 4,773 |
| Credit loss provision to net charge-offs | 214.0000% | 1,144 |
| Earnings coverage of net charge-offs (x) | 12.9750% | 1,578 |
| Efficiency ratio | 65.2843% | 4,908 |
| Assets per employee ($millions) | 3.5182% | 4,975 |
| Cash dividends to net income (ytd only)* | 40.8163% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9664% | 2,384 |
| Loan loss allowance to noncurrent loans | 133.6129% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 1.2629% | 4,121 |
| Noncurrent loans to loans | 1.4717% | 3,952 |
| Net loans and leases to total assets | 71.8180% | 1,678 |
| Net loans and leases to deposits | 82.3165% | 2,158 |
| Net loans and leases to core deposits | 85.2726% | 2,719 |
| Total domestic deposits to total assets | 87.2462% | 2,614 |
| Equity capital to assets | 10.9948% | 2,983 |
| Core capital (leverage) ratio | 9.5911% | 3,886 |
| Tier 1 risk-based capital ratio | 11.6067% | 6,089 |
| Total risk-based capital ratio | 12.8700% | 6,061 |
| Memoranda: | ||
| Average total assets | $151,518,600 | 3,771 |
| Average earning assets | $140,662,400 | 3,732 |
| Average equity | $16,181,600 | 3,692 |
| Average total loans | $116,112,600 | 3,252 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7156% | 827 |
| Cost of funding earning assets | 1.1380% | 2,709 |
| Net interest margin | 4.5777% | 991 |
| Noninterest income to average assets | 0.6512% | 2,872 |
| Noninterest expense to average assets | 3.2453% | 2,678 |
| Loan and lease loss provision to assets | 0.3044% | 3,096 |
| Net operating income to assets | 1.3342% | 1,298 |
| Return on assets (ROA) | 1.3342% | 1,388 |
| Pretax return on assets | 1.3546% | 2,101 |
| Return on Equity (ROE) | 12.5884% | 1,390 |
| Retained earnings to average equity (ytd only) | 6.9537% | 1,994 |
| Net charge-offs to loans | 0.0263% | 5,776 |
| Credit loss provision to net charge-offs | 1,495.6522% | 184 |
| Earnings coverage of net charge-offs (x) | 81.5109% | 437 |
| Efficiency ratio | 66.1736% | 4,687 |
| Assets per employee ($millions) | 3.4790% | 5,053 |
| Cash dividends to net income (ytd only)* | 44.7613% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0259% | 2,264 |
| Loan loss allowance to noncurrent loans | 128.4688% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 1.3686% | 4,088 |
| Noncurrent loans to loans | 1.5770% | 3,934 |
| Net loans and leases to total assets | 73.4220% | 1,428 |
| Net loans and leases to deposits | 84.3604% | 1,940 |
| Net loans and leases to core deposits | 88.0268% | 2,484 |
| Total domestic deposits to total assets | 87.0337% | 2,635 |
| Equity capital to assets | 10.8791% | 3,264 |
| Core capital (leverage) ratio | 9.3079% | 4,440 |
| Tier 1 risk-based capital ratio | 11.2164% | 6,419 |
| Total risk-based capital ratio | 12.4809% | 6,392 |
| Memoranda: | ||
| Average total assets | $150,698,000 | 3,813 |
| Average earning assets | $140,010,000 | 3,767 |
| Average equity | $15,972,000 | 3,746 |
| Average total loans | $116,789,500 | 3,269 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7558% | 785 |
| Cost of funding earning assets | 1.1480% | 2,912 |
| Net interest margin | 4.6078% | 895 |
| Noninterest income to average assets | 0.5977% | 3,160 |
| Noninterest expense to average assets | 3.2407% | 2,764 |
| Loan and lease loss provision to assets | 0.3335% | 2,780 |
| Net operating income to assets | 1.2995% | 1,321 |
| Return on assets (ROA) | 1.2995% | 1,394 |
| Pretax return on assets | 1.3182% | 2,086 |
| Return on Equity (ROE) | 12.3722% | 1,391 |
| Retained earnings to average equity (ytd only) | 6.6561% | 2,047 |
| Net charge-offs to loans | -0.0783% | 7,113 |
| Credit loss provision to net charge-offs | -543.4783% | 6,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2394% | 4,833 |
| Assets per employee ($millions) | 3.3528% | 5,318 |
| Cash dividends to net income (ytd only)* | 46.2012% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9645% | 2,469 |
| Loan loss allowance to noncurrent loans | 142.9726% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 1.2553% | 4,385 |
| Noncurrent loans to loans | 1.3740% | 4,350 |
| Net loans and leases to total assets | 76.0426% | 1,066 |
| Net loans and leases to deposits | 87.8235% | 1,528 |
| Net loans and leases to core deposits | 91.7070% | 2,170 |
| Total domestic deposits to total assets | 86.5857% | 2,996 |
| Equity capital to assets | 10.7227% | 3,261 |
| Core capital (leverage) ratio | 9.2785% | 4,277 |
| Tier 1 risk-based capital ratio | 10.8723% | 6,619 |
| Total risk-based capital ratio | 12.1362% | 6,578 |
| Memoranda: | ||
| Average total assets | $149,906,000 | 3,849 |
| Average earning assets | $139,719,670 | 3,795 |
| Average equity | $15,745,000 | 3,776 |
| Average total loans | $117,481,330 | 3,277 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6548% | 966 |
| Cost of funding earning assets | 1.1643% | 3,059 |
| Net interest margin | 4.4905% | 1,091 |
| Noninterest income to average assets | 0.5836% | 3,282 |
| Noninterest expense to average assets | 3.3516% | 2,402 |
| Loan and lease loss provision to assets | 0.4015% | 2,191 |
| Net operating income to assets | 0.9932% | 2,203 |
| Return on assets (ROA) | 0.9932% | 2,256 |
| Pretax return on assets | 1.0119% | 3,090 |
| Return on Equity (ROE) | 9.5566% | 2,264 |
| Retained earnings to average equity (ytd only) | 3.7608% | 3,913 |
| Net charge-offs to loans | -0.0238% | 6,628 |
| Credit loss provision to net charge-offs | -2,142.8571% | 6,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3371% | 4,190 |
| Assets per employee ($millions) | 3.3308% | 5,411 |
| Cash dividends to net income (ytd only)* | 60.6469% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8148% | 2,963 |
| Loan loss allowance to noncurrent loans | 130.7506% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 1.4918% | 4,022 |
| Noncurrent loans to loans | 1.3880% | 4,390 |
| Net loans and leases to total assets | 77.9662% | 732 |
| Net loans and leases to deposits | 89.6160% | 1,276 |
| Net loans and leases to core deposits | 94.2420% | 1,859 |
| Total domestic deposits to total assets | 87.0003% | 2,938 |
| Equity capital to assets | 10.3771% | 3,316 |
| Core capital (leverage) ratio | 9.1067% | 4,438 |
| Tier 1 risk-based capital ratio | 10.2443% | 6,912 |
| Total risk-based capital ratio | 11.4997% | 6,907 |
| Memoranda: | ||
| Average total assets | $149,421,000 | 3,884 |
| Average earning assets | $139,139,500 | 3,838 |
| Average equity | $15,528,500 | 3,805 |
| Average total loans | $117,707,500 | 3,294 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9335% | 976 |
| Cost of funding earning assets | 1.4682% | 2,832 |
| Net interest margin | 4.4652% | 1,309 |
| Noninterest income to average assets | 0.9575% | 1,644 |
| Noninterest expense to average assets | 3.2799% | 2,796 |
| Loan and lease loss provision to assets | 0.6855% | 2,401 |
| Net operating income to assets | 1.1103% | 1,677 |
| Return on assets (ROA) | 1.1489% | 1,627 |
| Pretax return on assets | 1.1612% | 2,358 |
| Return on Equity (ROE) | 11.0363% | 1,575 |
| Retained earnings to average equity (ytd only) | 5.1275% | 2,345 |
| Net charge-offs to loans | 0.2886% | 4,577 |
| Credit loss provision to net charge-offs | 303.9394% | 878 |
| Earnings coverage of net charge-offs (x) | 8.0152% | 2,028 |
| Efficiency ratio | 64.4680% | 5,272 |
| Assets per employee ($millions) | 3.2381% | 5,569 |
| Cash dividends to net income (ytd only)* | 53.5396% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7209% | 3,131 |
| Loan loss allowance to noncurrent loans | 155.8755% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 1.4857% | 4,082 |
| Noncurrent loans to loans | 1.1040% | 4,893 |
| Net loans and leases to total assets | 76.7955% | 1,129 |
| Net loans and leases to deposits | 88.2455% | 1,754 |
| Net loans and leases to core deposits | 93.0113% | 2,384 |
| Total domestic deposits to total assets | 87.0249% | 2,805 |
| Equity capital to assets | 10.4079% | 3,262 |
| Core capital (leverage) ratio | 9.0024% | 4,552 |
| Tier 1 risk-based capital ratio | 10.2510% | 6,849 |
| Total risk-based capital ratio | 11.5118% | 6,818 |
| Memoranda: | ||
| Average total assets | $146,313,600 | 3,940 |
| Average earning assets | $135,334,400 | 3,905 |
| Average equity | $15,231,600 | 3,899 |
| Average total loans | $114,340,600 | 3,444 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9556% | 1,021 |
| Cost of funding earning assets | 1.5283% | 2,782 |
| Net interest margin | 4.4274% | 1,439 |
| Noninterest income to average assets | 0.7579% | 2,463 |
| Noninterest expense to average assets | 3.3302% | 2,485 |
| Loan and lease loss provision to assets | 0.4440% | 3,250 |
| Net operating income to assets | 1.0559% | 2,050 |
| Return on assets (ROA) | 1.1214% | 1,933 |
| Pretax return on assets | 1.1424% | 2,688 |
| Return on Equity (ROE) | 10.7710% | 1,856 |
| Retained earnings to average equity (ytd only) | 4.8360% | 3,096 |
| Net charge-offs to loans | 0.1230% | 5,317 |
| Credit loss provision to net charge-offs | 461.9048% | 649 |
| Earnings coverage of net charge-offs (x) | 15.8091% | 1,420 |
| Efficiency ratio | 68.6674% | 4,343 |
| Assets per employee ($millions) | 3.0760% | 5,976 |
| Cash dividends to net income (ytd only)* | 55.1023% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4452% | 4,232 |
| Loan loss allowance to noncurrent loans | 105.4254% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 1.7738% | 3,780 |
| Noncurrent loans to loans | 1.3708% | 4,566 |
| Net loans and leases to total assets | 78.9815% | 885 |
| Net loans and leases to deposits | 92.9558% | 1,336 |
| Net loans and leases to core deposits | 97.9999% | 2,043 |
| Total domestic deposits to total assets | 84.9667% | 3,632 |
| Equity capital to assets | 10.5570% | 3,460 |
| Core capital (leverage) ratio | 8.9306% | 4,799 |
| Tier 1 risk-based capital ratio | 10.6078% | 6,701 |
| Total risk-based capital ratio | 11.8594% | 6,688 |
| Memoranda: | ||
| Average total assets | $145,653,500 | 4,013 |
| Average earning assets | $134,614,000 | 3,979 |
| Average equity | $15,163,750 | 3,959 |
| Average total loans | $113,827,500 | 3,503 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9039% | 1,173 |
| Cost of funding earning assets | 1.5676% | 2,853 |
| Net interest margin | 4.3363% | 1,650 |
| Noninterest income to average assets | 0.6635% | 2,937 |
| Noninterest expense to average assets | 3.2844% | 2,611 |
| Loan and lease loss provision to assets | 0.4414% | 3,112 |
| Net operating income to assets | 0.9180% | 2,482 |
| Return on assets (ROA) | 0.9504% | 2,450 |
| Pretax return on assets | 0.9697% | 3,238 |
| Return on Equity (ROE) | 9.1728% | 2,400 |
| Retained earnings to average equity (ytd only) | 3.1819% | 4,084 |
| Net charge-offs to loans | 0.1959% | 4,433 |
| Credit loss provision to net charge-offs | 290.9091% | 1,278 |
| Earnings coverage of net charge-offs (x) | 9.0818% | 2,057 |
| Efficiency ratio | 70.4438% | 4,101 |
| Assets per employee ($millions) | 3.1213% | 5,863 |
| Cash dividends to net income (ytd only)* | 65.3120% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3107% | 4,850 |
| Loan loss allowance to noncurrent loans | 87.6993% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 1.8766% | 3,651 |
| Noncurrent loans to loans | 1.4945% | 4,463 |
| Net loans and leases to total assets | 79.0428% | 946 |
| Net loans and leases to deposits | 90.8966% | 1,709 |
| Net loans and leases to core deposits | 96.5616% | 2,383 |
| Total domestic deposits to total assets | 86.9590% | 2,549 |
| Equity capital to assets | 10.3361% | 3,601 |
| Core capital (leverage) ratio | 8.8600% | 4,818 |
| Tier 1 risk-based capital ratio | 10.3226% | 6,819 |
| Total risk-based capital ratio | 11.5629% | 6,808 |
| Memoranda: | ||
| Average total assets | $144,989,330 | 4,049 |
| Average earning assets | $133,709,000 | 4,025 |
| Average equity | $15,022,670 | 3,990 |
| Average total loans | $112,329,000 | 3,573 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8327% | 1,368 |
| Cost of funding earning assets | 1.5962% | 2,990 |
| Net interest margin | 4.2364% | 1,905 |
| Noninterest income to average assets | 0.5273% | 3,834 |
| Noninterest expense to average assets | 3.1693% | 2,979 |
| Loan and lease loss provision to assets | 0.2914% | 3,687 |
| Net operating income to assets | 0.9495% | 2,361 |
| Return on assets (ROA) | 0.9907% | 2,285 |
| Pretax return on assets | 1.0046% | 3,080 |
| Return on Equity (ROE) | 9.5502% | 2,270 |
| Retained earnings to average equity (ytd only) | 3.5312% | 4,027 |
| Net charge-offs to loans | 0.2041% | 3,690 |
| Credit loss provision to net charge-offs | 187.5000% | 1,949 |
| Earnings coverage of net charge-offs (x) | 8.0714% | 1,995 |
| Efficiency ratio | 71.6437% | 3,990 |
| Assets per employee ($millions) | 3.0105% | 6,195 |
| Cash dividends to net income (ytd only)* | 63.0252% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 5,293 |
| Loan loss allowance to noncurrent loans | 62.2012% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 2.1162% | 3,363 |
| Noncurrent loans to loans | 1.9891% | 3,801 |
| Net loans and leases to total assets | 76.1761% | 1,504 |
| Net loans and leases to deposits | 87.6258% | 2,295 |
| Net loans and leases to core deposits | 92.8044% | 3,002 |
| Total domestic deposits to total assets | 86.9334% | 2,663 |
| Equity capital to assets | 10.3899% | 3,357 |
| Core capital (leverage) ratio | 8.9790% | 4,606 |
| Tier 1 risk-based capital ratio | 10.6212% | 6,521 |
| Total risk-based capital ratio | 11.7736% | 6,601 |
| Memoranda: | ||
| Average total assets | $144,134,500 | 4,125 |
| Average earning assets | $132,564,000 | 4,110 |
| Average equity | $14,952,500 | 4,027 |
| Average total loans | $109,746,000 | 3,687 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1759% | 1,302 |
| Cost of funding earning assets | 1.9315% | 3,290 |
| Net interest margin | 4.2445% | 1,917 |
| Noninterest income to average assets | 0.8473% | 2,194 |
| Noninterest expense to average assets | 3.4100% | 2,643 |
| Loan and lease loss provision to assets | 0.2713% | 5,241 |
| Net operating income to assets | 1.0737% | 1,586 |
| Return on assets (ROA) | 1.0795% | 1,619 |
| Pretax return on assets | 1.0831% | 2,299 |
| Return on Equity (ROE) | 10.3525% | 1,591 |
| Retained earnings to average equity (ytd only) | 4.1077% | 2,337 |
| Net charge-offs to loans | 0.1889% | 5,470 |
| Credit loss provision to net charge-offs | 189.3939% | 2,119 |
| Earnings coverage of net charge-offs (x) | 9.4141% | 1,805 |
| Efficiency ratio | 71.6588% | 4,323 |
| Assets per employee ($millions) | 3.0588% | 6,071 |
| Cash dividends to net income (ytd only)* | 60.3217% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2311% | 5,167 |
| Loan loss allowance to noncurrent loans | 91.0335% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 1.5178% | 4,102 |
| Noncurrent loans to loans | 1.3524% | 4,666 |
| Net loans and leases to total assets | 74.2222% | 2,221 |
| Net loans and leases to deposits | 84.9331% | 3,100 |
| Net loans and leases to core deposits | 100.4623% | 3,947 |
| Total domestic deposits to total assets | 87.3890% | 2,272 |
| Equity capital to assets | 10.3580% | 3,332 |
| Core capital (leverage) ratio | 9.0505% | 4,343 |
| Tier 1 risk-based capital ratio | 10.2484% | 6,635 |
| Total risk-based capital ratio | 11.3321% | 6,765 |
| Memoranda: | ||
| Average total assets | $138,211,800 | 4,160 |
| Average earning assets | $127,365,200 | 4,147 |
| Average equity | $14,412,000 | 4,171 |
| Average total loans | $104,824,600 | 3,811 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2172% | 1,331 |
| Cost of funding earning assets | 2.0055% | 3,333 |
| Net interest margin | 4.2117% | 2,009 |
| Noninterest income to average assets | 0.8575% | 2,168 |
| Noninterest expense to average assets | 3.4311% | 2,474 |
| Loan and lease loss provision to assets | 0.2193% | 5,226 |
| Net operating income to assets | 1.0787% | 1,803 |
| Return on assets (ROA) | 1.0787% | 1,855 |
| Pretax return on assets | 1.0933% | 2,602 |
| Return on Equity (ROE) | 10.3270% | 1,811 |
| Retained earnings to average equity (ytd only) | 4.0301% | 3,028 |
| Net charge-offs to loans | 0.0526% | 6,185 |
| Credit loss provision to net charge-offs | 548.7805% | 716 |
| Earnings coverage of net charge-offs (x) | 32.8509% | 876 |
| Efficiency ratio | 72.3295% | 4,185 |
| Assets per employee ($millions) | 2.9990% | 6,161 |
| Cash dividends to net income (ytd only)* | 60.9759% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 4,865 |
| Loan loss allowance to noncurrent loans | 74.9860% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 1.7310% | 3,769 |
| Noncurrent loans to loans | 1.6610% | 4,150 |
| Net loans and leases to total assets | 76.8423% | 1,812 |
| Net loans and leases to deposits | 88.6761% | 2,840 |
| Net loans and leases to core deposits | 103.6703% | 3,978 |
| Total domestic deposits to total assets | 86.6550% | 2,352 |
| Equity capital to assets | 10.7021% | 3,284 |
| Core capital (leverage) ratio | 8.9681% | 4,695 |
| Tier 1 risk-based capital ratio | 9.7707% | 7,162 |
| Total risk-based capital ratio | 10.8227% | 7,282 |
| Memoranda: | ||
| Average total assets | $136,824,000 | 4,215 |
| Average earning assets | $126,248,250 | 4,202 |
| Average equity | $14,292,250 | 4,231 |
| Average total loans | $104,022,250 | 3,878 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1878% | 1,498 |
| Cost of funding earning assets | 2.0827% | 3,350 |
| Net interest margin | 4.1050% | 2,304 |
| Noninterest income to average assets | 0.9410% | 1,793 |
| Noninterest expense to average assets | 3.4607% | 2,460 |
| Loan and lease loss provision to assets | 0.2199% | 4,842 |
| Net operating income to assets | 1.0246% | 2,023 |
| Return on assets (ROA) | 1.0246% | 2,107 |
| Pretax return on assets | 1.0422% | 2,837 |
| Return on Equity (ROE) | 9.8903% | 2,058 |
| Retained earnings to average equity (ytd only) | 3.5232% | 3,345 |
| Net charge-offs to loans | 0.1069% | 5,091 |
| Credit loss provision to net charge-offs | 272.7273% | 1,712 |
| Earnings coverage of net charge-offs (x) | 15.6545% | 1,581 |
| Efficiency ratio | 73.2775% | 4,145 |
| Assets per employee ($millions) | 2.8835% | 6,435 |
| Cash dividends to net income (ytd only)* | 64.3777% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 5,012 |
| Loan loss allowance to noncurrent loans | 86.1284% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 1.5317% | 3,925 |
| Noncurrent loans to loans | 1.3827% | 4,449 |
| Net loans and leases to total assets | 74.8127% | 2,494 |
| Net loans and leases to deposits | 87.0405% | 3,350 |
| Net loans and leases to core deposits | 100.9742% | 4,406 |
| Total domestic deposits to total assets | 85.9516% | 2,818 |
| Equity capital to assets | 10.3434% | 3,576 |
| Core capital (leverage) ratio | 8.9623% | 4,695 |
| Tier 1 risk-based capital ratio | 9.8332% | 7,099 |
| Total risk-based capital ratio | 10.8367% | 7,275 |
| Memoranda: | ||
| Average total assets | $136,447,330 | 4,248 |
| Average earning assets | $125,699,330 | 4,233 |
| Average equity | $14,135,000 | 4,275 |
| Average total loans | $102,915,000 | 3,937 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2297% | 1,502 |
| Cost of funding earning assets | 2.0830% | 3,723 |
| Net interest margin | 4.1467% | 2,099 |
| Noninterest income to average assets | 0.9921% | 1,503 |
| Noninterest expense to average assets | 3.4990% | 2,100 |
| Loan and lease loss provision to assets | 0.2215% | 4,235 |
| Net operating income to assets | 1.0600% | 2,106 |
| Return on assets (ROA) | 1.0600% | 2,236 |
| Pretax return on assets | 1.0748% | 3,084 |
| Return on Equity (ROE) | 10.2246% | 2,229 |
| Retained earnings to average equity (ytd only) | 3.8164% | 3,768 |
| Net charge-offs to loans | -0.0118% | 7,312 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9680% | 4,012 |
| Assets per employee ($millions) | 2.9424% | 6,310 |
| Cash dividends to net income (ytd only)* | 62.6741% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 4,784 |
| Loan loss allowance to noncurrent loans | 76.3648% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 1.7828% | 3,247 |
| Noncurrent loans to loans | 1.5755% | 3,915 |
| Net loans and leases to total assets | 74.6823% | 2,582 |
| Net loans and leases to deposits | 87.0626% | 3,461 |
| Net loans and leases to core deposits | 101.5073% | 4,396 |
| Total domestic deposits to total assets | 85.7800% | 2,835 |
| Equity capital to assets | 10.5606% | 3,400 |
| Core capital (leverage) ratio | 9.0154% | 4,686 |
| Tier 1 risk-based capital ratio | 10.5701% | 6,319 |
| Total risk-based capital ratio | 11.6437% | 6,410 |
| Memoranda: | ||
| Average total assets | $135,467,500 | 4,303 |
| Average earning assets | $124,243,000 | 4,284 |
| Average equity | $14,044,500 | 4,324 |
| Average total loans | $101,975,500 | 3,982 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7743% | 1,770 |
| Cost of funding earning assets | 2.5648% | 3,880 |
| Net interest margin | 4.2095% | 2,278 |
| Noninterest income to average assets | 0.6166% | 3,730 |
| Noninterest expense to average assets | 3.0899% | 3,739 |
| Loan and lease loss provision to assets | 0.2275% | 4,613 |
| Net operating income to assets | 1.1191% | 2,075 |
| Return on assets (ROA) | 1.1308% | 1,943 |
| Pretax return on assets | 1.1627% | 2,797 |
| Return on Equity (ROE) | 11.1245% | 1,864 |
| Retained earnings to average equity (ytd only) | 4.4095% | 2,380 |
| Net charge-offs to loans | 0.3387% | 3,137 |
| Credit loss provision to net charge-offs | 89.8204% | 5,686 |
| Earnings coverage of net charge-offs (x) | 5.4401% | 3,647 |
| Efficiency ratio | 69.1563% | 4,499 |
| Assets per employee ($millions) | 3.2282% | 5,405 |
| Cash dividends to net income (ytd only)* | 60.3622% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1344% | 5,025 |
| Loan loss allowance to noncurrent loans | 101.4965% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.8379% | 4,754 |
| Noncurrent loans to loans | 1.1177% | 4,313 |
| Net loans and leases to total assets | 74.1118% | 3,075 |
| Net loans and leases to deposits | 86.2559% | 4,079 |
| Net loans and leases to core deposits | 99.3219% | 4,890 |
| Total domestic deposits to total assets | 85.9208% | 2,436 |
| Equity capital to assets | 10.1746% | 3,835 |
| Core capital (leverage) ratio | 9.0185% | 4,714 |
| Tier 1 risk-based capital ratio | 10.5972% | 6,105 |
| Total risk-based capital ratio | 11.6167% | 6,222 |
| Memoranda: | ||
| Average total assets | $131,849,200 | 4,234 |
| Average earning assets | $120,633,200 | 4,243 |
| Average equity | $13,402,800 | 4,474 |
| Average total loans | $98,604,600 | 3,987 |