Home > Citizens National Bank, N.A. > Performance and Condition Ratios
Citizens National Bank, N.A., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7510% | 2,571 |
| Cost of funding earning assets | 1.6813% | 1,489 |
| Net interest margin | 3.0696% | 3,154 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.3418% | 2,739 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.7815% | 2,930 |
| Return on assets (ROA) | 0.7815% | 2,910 |
| Pretax return on assets | 0.9306% | 2,870 |
| Return on Equity (ROE) | 11.1600% | 2,183 |
| Retained earnings to average equity (ytd only) | 10.6958% | 857 |
| Net charge-offs to loans | 0.0889% | 985 |
| Credit loss provision to net charge-offs | 68.8863% | 2,096 |
| Earnings coverage of net charge-offs (x) | 17.2101% | 1,977 |
| Efficiency ratio | 70.7238% | 1,792 |
| Assets per employee ($millions) | 8.1267% | 1,372 |
| Cash dividends to net income (ytd only)* | 4.1374% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0838% | 2,917 |
| Loan loss allowance to noncurrent loans | 565.2926% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.1227% | 2,724 |
| Noncurrent loans to loans | 0.1917% | 2,551 |
| Net loans and leases to total assets | 63.3300% | 2,534 |
| Net loans and leases to deposits | 78.6530% | 2,217 |
| Net loans and leases to core deposits | 83.4256% | 2,498 |
| Total domestic deposits to total assets | 80.5100% | 3,377 |
| Equity capital to assets | 8.1375% | 3,322 |
| Core capital (leverage) ratio | 10.0718% | 2,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3789% | 1,728 |
| Memoranda: | ||
| Average total assets | $1,546,338,200 | 700 |
| Average earning assets | $1,436,111,400 | 688 |
| Average equity | $108,313,800 | 895 |
| Average total loans | $980,284,600 | 741 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6789% | 2,514 |
| Cost of funding earning assets | 1.4483% | 1,739 |
| Net interest margin | 3.2306% | 2,850 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.3298% | 2,705 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.9258% | 2,598 |
| Return on assets (ROA) | 0.9258% | 2,581 |
| Pretax return on assets | 1.1132% | 2,531 |
| Return on Equity (ROE) | 13.8000% | 1,702 |
| Retained earnings to average equity (ytd only) | 13.1511% | 792 |
| Net charge-offs to loans | 0.0671% | 1,001 |
| Credit loss provision to net charge-offs | 51.2295% | 1,887 |
| Earnings coverage of net charge-offs (x) | 27.1455% | 1,648 |
| Efficiency ratio | 66.9065% | 2,159 |
| Assets per employee ($millions) | 7.7816% | 1,459 |
| Cash dividends to net income (ytd only)* | 4.6984% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1111% | 2,806 |
| Loan loss allowance to noncurrent loans | 531.5363% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.1340% | 2,666 |
| Noncurrent loans to loans | 0.2090% | 2,519 |
| Net loans and leases to total assets | 63.4000% | 2,518 |
| Net loans and leases to deposits | 76.7030% | 2,361 |
| Net loans and leases to core deposits | 90.4114% | 1,904 |
| Total domestic deposits to total assets | 82.6500% | 3,081 |
| Equity capital to assets | 7.2664% | 3,482 |
| Core capital (leverage) ratio | 10.1279% | 2,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4078% | 1,749 |
| Memoranda: | ||
| Average total assets | $1,532,684,750 | 708 |
| Average earning assets | $1,428,700,000 | 693 |
| Average equity | $102,823,000 | 925 |
| Average total loans | $969,124,750 | 750 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6344% | 2,341 |
| Cost of funding earning assets | 1.2171% | 1,937 |
| Net interest margin | 3.4172% | 2,479 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.3712% | 2,591 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.0382% | 2,287 |
| Return on assets (ROA) | 1.0382% | 2,285 |
| Pretax return on assets | 1.2511% | 2,222 |
| Return on Equity (ROE) | 15.9300% | 1,278 |
| Retained earnings to average equity (ytd only) | 15.9294% | 481 |
| Net charge-offs to loans | 0.1033% | 667 |
| Credit loss provision to net charge-offs | 20.2020% | 1,767 |
| Earnings coverage of net charge-offs (x) | 19.8424% | 1,741 |
| Efficiency ratio | 64.7565% | 2,402 |
| Assets per employee ($millions) | 7.3827% | 1,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 2,765 |
| Loan loss allowance to noncurrent loans | 555.5893% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.1294% | 2,647 |
| Noncurrent loans to loans | 0.2047% | 2,442 |
| Net loans and leases to total assets | 62.4900% | 2,526 |
| Net loans and leases to deposits | 71.9677% | 2,651 |
| Net loans and leases to core deposits | 83.8394% | 2,220 |
| Total domestic deposits to total assets | 86.8300% | 1,980 |
| Equity capital to assets | 6.5766% | 3,964 |
| Core capital (leverage) ratio | 8.7445% | 3,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8361% | 2,356 |
| Memoranda: | ||
| Average total assets | $1,522,214,000 | 700 |
| Average earning assets | $1,418,745,000 | 685 |
| Average equity | $99,212,667 | 940 |
| Average total loans | $957,932,667 | 741 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5040% | 2,305 |
| Cost of funding earning assets | 0.9540% | 2,205 |
| Net interest margin | 3.5500% | 2,242 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 2.3583% | 2,644 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.1164% | 2,178 |
| Return on assets (ROA) | 1.1164% | 2,143 |
| Pretax return on assets | 1.4026% | 1,874 |
| Return on Equity (ROE) | 17.2100% | 1,141 |
| Retained earnings to average equity (ytd only) | 17.2067% | 575 |
| Net charge-offs to loans | -0.0554% | 4,388 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.0549% | 2,689 |
| Assets per employee ($millions) | 7.5585% | 1,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 2,513 |
| Loan loss allowance to noncurrent loans | 554.2128% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.1321% | 2,590 |
| Noncurrent loans to loans | 0.2179% | 2,387 |
| Net loans and leases to total assets | 59.9100% | 2,657 |
| Net loans and leases to deposits | 70.8316% | 2,550 |
| Net loans and leases to core deposits | 78.3596% | 2,364 |
| Total domestic deposits to total assets | 84.5700% | 2,958 |
| Equity capital to assets | 6.4675% | 4,039 |
| Core capital (leverage) ratio | 8.6721% | 4,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6306% | 2,521 |
| Memoranda: | ||
| Average total assets | $1,519,214,000 | 712 |
| Average earning assets | $1,418,040,000 | 700 |
| Average equity | $98,566,500 | 958 |
| Average total loans | $953,896,500 | 755 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7428% | 2,420 |
| Cost of funding earning assets | 0.3996% | 2,106 |
| Net interest margin | 3.3432% | 2,441 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.5829% | 1,872 |
| Loan and lease loss provision to assets | -0.1600% | 4,606 |
| Net operating income to assets | 1.0124% | 2,520 |
| Return on assets (ROA) | 1.0124% | 2,469 |
| Pretax return on assets | 1.2132% | 2,393 |
| Return on Equity (ROE) | 13.5200% | 1,649 |
| Retained earnings to average equity (ytd only) | 7.4186% | 2,060 |
| Net charge-offs to loans | -0.0396% | 4,280 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.0604% | 1,555 |
| Assets per employee ($millions) | 6.5167% | 2,319 |
| Cash dividends to net income (ytd only)* | 45.1170% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8650% | 3,881 |
| Loan loss allowance to noncurrent loans | 324.9115% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.1773% | 2,307 |
| Noncurrent loans to loans | 0.2662% | 2,202 |
| Net loans and leases to total assets | 64.5300% | 2,195 |
| Net loans and leases to deposits | 69.9890% | 2,581 |
| Net loans and leases to core deposits | 75.5827% | 2,456 |
| Total domestic deposits to total assets | 92.2000% | 587 |
| Equity capital to assets | 6.5100% | 3,894 |
| Core capital (leverage) ratio | 8.8012% | 3,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1928% | 2,676 |
| Memoranda: | ||
| Average total assets | $1,423,069,800 | 733 |
| Average earning assets | $1,331,227,600 | 722 |
| Average equity | $106,583,600 | 906 |
| Average total loans | $868,203,200 | 772 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5471% | 2,472 |
| Cost of funding earning assets | 0.3061% | 2,104 |
| Net interest margin | 3.2410% | 2,496 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.5551% | 1,846 |
| Loan and lease loss provision to assets | -0.0700% | 4,539 |
| Net operating income to assets | 0.8757% | 2,980 |
| Return on assets (ROA) | 0.8757% | 2,949 |
| Pretax return on assets | 1.0551% | 2,860 |
| Return on Equity (ROE) | 11.3100% | 2,266 |
| Retained earnings to average equity (ytd only) | 11.3085% | 966 |
| Net charge-offs to loans | -0.0091% | 3,675 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.0957% | 1,504 |
| Assets per employee ($millions) | 6.8128% | 2,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0349% | 3,325 |
| Loan loss allowance to noncurrent loans | 289.6155% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.2316% | 2,071 |
| Noncurrent loans to loans | 0.3573% | 1,955 |
| Net loans and leases to total assets | 63.0400% | 2,186 |
| Net loans and leases to deposits | 72.3594% | 2,175 |
| Net loans and leases to core deposits | 75.9970% | 2,192 |
| Total domestic deposits to total assets | 87.1200% | 2,725 |
| Equity capital to assets | 6.4640% | 3,760 |
| Core capital (leverage) ratio | 9.0085% | 3,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0640% | 2,453 |
| Memoranda: | ||
| Average total assets | $1,412,272,250 | 748 |
| Average earning assets | $1,322,115,000 | 731 |
| Average equity | $109,366,250 | 901 |
| Average total loans | $846,638,000 | 783 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3419% | 2,604 |
| Cost of funding earning assets | 0.2623% | 2,116 |
| Net interest margin | 3.0796% | 2,603 |
| Noninterest income to average assets | 0.4964% | 2,220 |
| Noninterest expense to average assets | 2.5407% | 1,808 |
| Loan and lease loss provision to assets | -0.0788% | 4,569 |
| Net operating income to assets | 0.7775% | 3,040 |
| Return on assets (ROA) | 0.7775% | 3,003 |
| Pretax return on assets | 0.9246% | 2,978 |
| Return on Equity (ROE) | 9.4977% | 2,525 |
| Retained earnings to average equity (ytd only) | 9.4977% | 1,139 |
| Net charge-offs to loans | -0.0085% | 3,533 |
| Credit loss provision to net charge-offs | 1,574.2857% | 287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0232% | 1,386 |
| Assets per employee ($millions) | 6.2500% | 2,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1093% | 3,127 |
| Loan loss allowance to noncurrent loans | 243.9104% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.2893% | 1,849 |
| Noncurrent loans to loans | 0.4548% | 1,757 |
| Net loans and leases to total assets | 61.9976% | 2,121 |
| Net loans and leases to deposits | 69.7297% | 2,236 |
| Net loans and leases to core deposits | 72.4508% | 2,292 |
| Total domestic deposits to total assets | 88.9113% | 2,223 |
| Equity capital to assets | 7.4819% | 3,494 |
| Core capital (leverage) ratio | 9.0730% | 3,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5241% | 2,284 |
| Memoranda: | ||
| Average total assets | $1,399,317,333 | 743 |
| Average earning assets | $1,313,204,000 | 736 |
| Average equity | $114,554,333 | 874 |
| Average total loans | $820,749,000 | 794 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1520% | 2,820 |
| Cost of funding earning assets | 0.2343% | 2,333 |
| Net interest margin | 2.9177% | 2,776 |
| Noninterest income to average assets | 0.5107% | 2,095 |
| Noninterest expense to average assets | 2.3028% | 2,491 |
| Loan and lease loss provision to assets | 0.0428% | 1,585 |
| Net operating income to assets | 0.7794% | 2,731 |
| Return on assets (ROA) | 0.7794% | 2,726 |
| Pretax return on assets | 0.9112% | 2,728 |
| Return on Equity (ROE) | 9.1301% | 2,274 |
| Retained earnings to average equity (ytd only) | 9.1301% | 1,237 |
| Net charge-offs to loans | -0.0005% | 2,978 |
| Credit loss provision to net charge-offs | -15,000.0000% | 3,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7078% | 2,131 |
| Assets per employee ($millions) | 6.6873% | 2,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2965% | 2,378 |
| Loan loss allowance to noncurrent loans | 221.9366% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.3302% | 1,795 |
| Noncurrent loans to loans | 0.5842% | 1,587 |
| Net loans and leases to total assets | 55.1140% | 2,622 |
| Net loans and leases to deposits | 60.6038% | 2,842 |
| Net loans and leases to core deposits | 63.4325% | 2,846 |
| Total domestic deposits to total assets | 90.9415% | 1,067 |
| Equity capital to assets | 7.8906% | 3,653 |
| Core capital (leverage) ratio | 8.6456% | 3,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6556% | 1,933 |
| Memoranda: | ||
| Average total assets | $1,402,106,000 | 746 |
| Average earning assets | $1,319,650,500 | 732 |
| Average equity | $119,692,500 | 861 |
| Average total loans | $794,234,000 | 806 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2910% | 3,239 |
| Cost of funding earning assets | 0.2684% | 2,718 |
| Net interest margin | 3.0226% | 3,138 |
| Noninterest income to average assets | 0.6165% | 2,091 |
| Noninterest expense to average assets | 2.3632% | 2,608 |
| Loan and lease loss provision to assets | 0.0454% | 2,146 |
| Net operating income to assets | 0.9065% | 3,013 |
| Return on assets (ROA) | 0.9406% | 2,972 |
| Pretax return on assets | 1.0983% | 2,975 |
| Return on Equity (ROE) | 9.6614% | 2,654 |
| Retained earnings to average equity (ytd only) | 4.9940% | 2,784 |
| Net charge-offs to loans | 0.1011% | 851 |
| Credit loss provision to net charge-offs | 78.0234% | 1,968 |
| Earnings coverage of net charge-offs (x) | 18.9558% | 1,895 |
| Efficiency ratio | 68.1586% | 1,955 |
| Assets per employee ($millions) | 6.8315% | 2,046 |
| Cash dividends to net income (ytd only)* | 48.3092% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 2,390 |
| Loan loss allowance to noncurrent loans | 296.5147% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.2550% | 2,287 |
| Noncurrent loans to loans | 0.4362% | 2,046 |
| Net loans and leases to total assets | 56.7443% | 2,510 |
| Net loans and leases to deposits | 63.1355% | 2,772 |
| Net loans and leases to core deposits | 66.4572% | 2,781 |
| Total domestic deposits to total assets | 89.8769% | 1,014 |
| Equity capital to assets | 9.2099% | 3,410 |
| Core capital (leverage) ratio | 9.0181% | 3,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8028% | 1,923 |
| Memoranda: | ||
| Average total assets | $1,320,366,200 | 757 |
| Average earning assets | $1,245,293,400 | 748 |
| Average equity | $128,553,400 | 810 |
| Average total loans | $760,926,400 | 826 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3322% | 3,302 |
| Cost of funding earning assets | 0.2797% | 2,801 |
| Net interest margin | 3.0525% | 3,172 |
| Noninterest income to average assets | 0.6518% | 2,004 |
| Noninterest expense to average assets | 2.3802% | 2,502 |
| Loan and lease loss provision to assets | 0.0612% | 1,767 |
| Net operating income to assets | 0.9755% | 3,004 |
| Return on assets (ROA) | 1.0236% | 2,889 |
| Pretax return on assets | 1.1413% | 3,101 |
| Return on Equity (ROE) | 10.3657% | 2,604 |
| Retained earnings to average equity (ytd only) | 10.3657% | 1,205 |
| Net charge-offs to loans | 0.1029% | 727 |
| Credit loss provision to net charge-offs | 103.0928% | 1,556 |
| Earnings coverage of net charge-offs (x) | 19.3557% | 1,761 |
| Efficiency ratio | 67.4431% | 1,907 |
| Assets per employee ($millions) | 6.7872% | 2,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 2,033 |
| Loan loss allowance to noncurrent loans | 284.6659% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.3218% | 2,166 |
| Noncurrent loans to loans | 0.4907% | 2,080 |
| Net loans and leases to total assets | 53.7872% | 2,992 |
| Net loans and leases to deposits | 60.3845% | 3,198 |
| Net loans and leases to core deposits | 63.5039% | 3,182 |
| Total domestic deposits to total assets | 89.0745% | 1,236 |
| Equity capital to assets | 9.6774% | 3,214 |
| Core capital (leverage) ratio | 9.4422% | 3,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9500% | 1,628 |
| Memoranda: | ||
| Average total assets | $1,307,175,500 | 770 |
| Average earning assets | $1,232,218,500 | 764 |
| Average equity | $129,075,750 | 815 |
| Average total loans | $753,812,750 | 844 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4670% | 2,986 |
| Cost of funding earning assets | 0.2923% | 2,850 |
| Net interest margin | 3.1747% | 2,836 |
| Noninterest income to average assets | 0.6785% | 1,894 |
| Noninterest expense to average assets | 2.3166% | 2,715 |
| Loan and lease loss provision to assets | 0.0932% | 1,343 |
| Net operating income to assets | 1.0896% | 2,579 |
| Return on assets (ROA) | 1.1604% | 2,392 |
| Pretax return on assets | 1.3396% | 2,521 |
| Return on Equity (ROE) | 11.6696% | 2,176 |
| Retained earnings to average equity (ytd only) | 11.6696% | 983 |
| Net charge-offs to loans | 0.1577% | 528 |
| Credit loss provision to net charge-offs | 100.5025% | 1,358 |
| Earnings coverage of net charge-offs (x) | 14.5796% | 1,657 |
| Efficiency ratio | 63.1577% | 2,546 |
| Assets per employee ($millions) | 6.7860% | 1,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3847% | 2,039 |
| Loan loss allowance to noncurrent loans | 279.8868% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.3343% | 2,261 |
| Noncurrent loans to loans | 0.4947% | 2,200 |
| Net loans and leases to total assets | 55.0247% | 3,015 |
| Net loans and leases to deposits | 61.8396% | 3,218 |
| Net loans and leases to core deposits | 65.4526% | 3,162 |
| Total domestic deposits to total assets | 88.9797% | 1,290 |
| Equity capital to assets | 9.7429% | 3,102 |
| Core capital (leverage) ratio | 9.5118% | 2,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9243% | 1,657 |
| Memoranda: | ||
| Average total assets | $1,288,155,667 | 783 |
| Average earning assets | $1,213,030,333 | 770 |
| Average equity | $128,093,333 | 819 |
| Average total loans | $757,023,667 | 845 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6975% | 2,365 |
| Cost of funding earning assets | 0.3146% | 2,849 |
| Net interest margin | 3.3829% | 2,159 |
| Noninterest income to average assets | 0.8115% | 1,554 |
| Noninterest expense to average assets | 2.2846% | 2,840 |
| Loan and lease loss provision to assets | 0.0952% | 1,406 |
| Net operating income to assets | 1.3173% | 1,770 |
| Return on assets (ROA) | 1.4528% | 1,505 |
| Pretax return on assets | 1.7743% | 1,343 |
| Return on Equity (ROE) | 14.4546% | 1,339 |
| Retained earnings to average equity (ytd only) | 14.4546% | 702 |
| Net charge-offs to loans | 0.0116% | 1,519 |
| Credit loss provision to net charge-offs | 1,363.6364% | 340 |
| Earnings coverage of net charge-offs (x) | 244.0909% | 348 |
| Efficiency ratio | 57.2758% | 3,395 |
| Assets per employee ($millions) | 6.3745% | 2,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3705% | 2,102 |
| Loan loss allowance to noncurrent loans | 241.6875% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.4335% | 2,094 |
| Noncurrent loans to loans | 0.5670% | 2,157 |
| Net loans and leases to total assets | 59.2631% | 2,639 |
| Net loans and leases to deposits | 66.5946% | 2,854 |
| Net loans and leases to core deposits | 70.7233% | 2,810 |
| Total domestic deposits to total assets | 88.9908% | 1,348 |
| Equity capital to assets | 9.8415% | 2,854 |
| Core capital (leverage) ratio | 9.6316% | 2,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1524% | 1,857 |
| Memoranda: | ||
| Average total assets | $1,260,422,000 | 788 |
| Average earning assets | $1,183,840,500 | 777 |
| Average equity | $126,686,000 | 818 |
| Average total loans | $760,682,500 | 842 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0109% | 2,692 |
| Cost of funding earning assets | 0.5333% | 2,729 |
| Net interest margin | 3.4776% | 2,541 |
| Noninterest income to average assets | 0.6455% | 2,045 |
| Noninterest expense to average assets | 2.5636% | 2,660 |
| Loan and lease loss provision to assets | 0.2345% | 1,660 |
| Net operating income to assets | 0.8878% | 2,747 |
| Return on assets (ROA) | 0.9387% | 2,672 |
| Pretax return on assets | 1.1563% | 2,491 |
| Return on Equity (ROE) | 8.7353% | 2,506 |
| Retained earnings to average equity (ytd only) | 4.6964% | 2,423 |
| Net charge-offs to loans | 0.1728% | 960 |
| Credit loss provision to net charge-offs | 210.1946% | 2,109 |
| Earnings coverage of net charge-offs (x) | 11.9051% | 2,373 |
| Efficiency ratio | 65.8763% | 2,553 |
| Assets per employee ($millions) | 5.9554% | 2,376 |
| Cash dividends to net income (ytd only)* | 46.2364% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3952% | 1,990 |
| Loan loss allowance to noncurrent loans | 283.0106% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.3960% | 2,401 |
| Noncurrent loans to loans | 0.4930% | 2,493 |
| Net loans and leases to total assets | 59.7848% | 2,889 |
| Net loans and leases to deposits | 67.5258% | 3,131 |
| Net loans and leases to core deposits | 72.0233% | 3,071 |
| Total domestic deposits to total assets | 88.5363% | 1,199 |
| Equity capital to assets | 10.2722% | 2,860 |
| Core capital (leverage) ratio | 9.9139% | 2,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5477% | 1,669 |
| Memoranda: | ||
| Average total assets | $1,152,020,800 | 780 |
| Average earning assets | $1,075,322,200 | 766 |
| Average equity | $123,796,000 | 795 |
| Average total loans | $743,526,800 | 834 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2246% | 2,325 |
| Cost of funding earning assets | 0.5834% | 2,720 |
| Net interest margin | 3.6412% | 2,120 |
| Noninterest income to average assets | 0.6123% | 2,125 |
| Noninterest expense to average assets | 2.5269% | 2,751 |
| Loan and lease loss provision to assets | 0.3036% | 1,330 |
| Net operating income to assets | 0.9545% | 2,501 |
| Return on assets (ROA) | 1.0235% | 2,379 |
| Pretax return on assets | 1.2629% | 2,182 |
| Return on Equity (ROE) | 9.4123% | 2,242 |
| Retained earnings to average equity (ytd only) | 9.4123% | 879 |
| Net charge-offs to loans | 0.2222% | 688 |
| Credit loss provision to net charge-offs | 208.3132% | 2,081 |
| Earnings coverage of net charge-offs (x) | 10.1630% | 2,375 |
| Efficiency ratio | 63.0419% | 2,909 |
| Assets per employee ($millions) | 5.7841% | 2,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3426% | 1,989 |
| Loan loss allowance to noncurrent loans | 265.1570% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.4655% | 2,327 |
| Noncurrent loans to loans | 0.5064% | 2,531 |
| Net loans and leases to total assets | 63.8541% | 2,787 |
| Net loans and leases to deposits | 72.7640% | 3,062 |
| Net loans and leases to core deposits | 77.9417% | 3,012 |
| Total domestic deposits to total assets | 87.7552% | 1,318 |
| Equity capital to assets | 10.8695% | 2,500 |
| Core capital (leverage) ratio | 10.1375% | 2,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6728% | 1,603 |
| Memoranda: | ||
| Average total assets | $1,133,321,500 | 778 |
| Average earning assets | $1,057,000,500 | 761 |
| Average equity | $123,239,750 | 791 |
| Average total loans | $743,451,250 | 828 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5562% | 1,770 |
| Cost of funding earning assets | 0.6519% | 2,688 |
| Net interest margin | 3.9043% | 1,554 |
| Noninterest income to average assets | 0.5811% | 2,206 |
| Noninterest expense to average assets | 2.5281% | 2,891 |
| Loan and lease loss provision to assets | 0.3981% | 1,019 |
| Net operating income to assets | 1.0586% | 2,109 |
| Return on assets (ROA) | 1.1650% | 1,871 |
| Pretax return on assets | 1.4194% | 1,677 |
| Return on Equity (ROE) | 10.7120% | 1,737 |
| Retained earnings to average equity (ytd only) | 10.7120% | 653 |
| Net charge-offs to loans | 0.2866% | 555 |
| Credit loss provision to net charge-offs | 210.7211% | 1,869 |
| Earnings coverage of net charge-offs (x) | 8.9336% | 2,255 |
| Efficiency ratio | 59.9677% | 3,416 |
| Assets per employee ($millions) | 5.9570% | 2,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 1,950 |
| Loan loss allowance to noncurrent loans | 233.7102% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.5349% | 2,217 |
| Noncurrent loans to loans | 0.5605% | 2,482 |
| Net loans and leases to total assets | 63.4211% | 2,946 |
| Net loans and leases to deposits | 71.9384% | 3,267 |
| Net loans and leases to core deposits | 76.8619% | 3,211 |
| Total domestic deposits to total assets | 88.1602% | 1,105 |
| Equity capital to assets | 10.5375% | 2,721 |
| Core capital (leverage) ratio | 10.0277% | 2,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2717% | 1,706 |
| Memoranda: | ||
| Average total assets | $1,115,851,333 | 779 |
| Average earning assets | $1,038,810,667 | 762 |
| Average equity | $121,358,667 | 795 |
| Average total loans | $735,454,000 | 822 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3583% | 2,754 |
| Cost of funding earning assets | 0.7611% | 2,600 |
| Net interest margin | 3.5972% | 2,673 |
| Noninterest income to average assets | 0.6052% | 2,020 |
| Noninterest expense to average assets | 2.5367% | 3,170 |
| Loan and lease loss provision to assets | 0.1347% | 2,043 |
| Net operating income to assets | 1.0466% | 2,014 |
| Return on assets (ROA) | 1.2219% | 1,556 |
| Pretax return on assets | 1.4875% | 1,336 |
| Return on Equity (ROE) | 11.0419% | 1,395 |
| Retained earnings to average equity (ytd only) | 11.0419% | 561 |
| Net charge-offs to loans | 0.5850% | 251 |
| Credit loss provision to net charge-offs | 34.4466% | 2,130 |
| Earnings coverage of net charge-offs (x) | 3.6021% | 2,199 |
| Efficiency ratio | 64.2992% | 3,189 |
| Assets per employee ($millions) | 5.3513% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 2,864 |
| Loan loss allowance to noncurrent loans | 195.7653% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.6277% | 2,124 |
| Noncurrent loans to loans | 0.5943% | 2,519 |
| Net loans and leases to total assets | 63.7689% | 3,095 |
| Net loans and leases to deposits | 72.9870% | 3,359 |
| Net loans and leases to core deposits | 80.7705% | 3,129 |
| Total domestic deposits to total assets | 87.3701% | 1,392 |
| Equity capital to assets | 11.2031% | 2,676 |
| Core capital (leverage) ratio | 10.5788% | 2,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9767% | 1,606 |
| Memoranda: | ||
| Average total assets | $1,072,122,000 | 773 |
| Average earning assets | $995,434,500 | 759 |
| Average equity | $118,638,500 | 809 |
| Average total loans | $716,540,500 | 820 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6528% | 2,465 |
| Cost of funding earning assets | 0.7399% | 2,975 |
| Net interest margin | 3.9129% | 2,126 |
| Noninterest income to average assets | 0.6549% | 1,991 |
| Noninterest expense to average assets | 2.7094% | 2,860 |
| Loan and lease loss provision to assets | 0.1396% | 1,526 |
| Net operating income to assets | 1.2234% | 1,969 |
| Return on assets (ROA) | 1.2252% | 2,054 |
| Pretax return on assets | 1.4382% | 2,022 |
| Return on Equity (ROE) | 11.1398% | 1,827 |
| Retained earnings to average equity (ytd only) | 5.6849% | 2,037 |
| Net charge-offs to loans | 0.0697% | 2,098 |
| Credit loss provision to net charge-offs | 283.1643% | 991 |
| Earnings coverage of net charge-offs (x) | 31.9615% | 1,522 |
| Efficiency ratio | 63.2293% | 3,189 |
| Assets per employee ($millions) | 5.1578% | 2,386 |
| Cash dividends to net income (ytd only)* | 48.9676% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 2,220 |
| Loan loss allowance to noncurrent loans | 92.0974% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 0.9607% | 1,315 |
| Noncurrent loans to loans | 1.3481% | 1,105 |
| Net loans and leases to total assets | 68.4224% | 2,620 |
| Net loans and leases to deposits | 78.1148% | 2,991 |
| Net loans and leases to core deposits | 86.8753% | 2,721 |
| Total domestic deposits to total assets | 87.5922% | 1,322 |
| Equity capital to assets | 10.9205% | 3,078 |
| Core capital (leverage) ratio | 10.6260% | 2,830 |
| Tier 1 risk-based capital ratio | 14.0268% | 3,259 |
| Total risk-based capital ratio | 15.2014% | 3,198 |
| Memoranda: | ||
| Average total assets | $1,000,045,000 | 784 |
| Average earning assets | $927,787,400 | 773 |
| Average equity | $109,993,000 | 826 |
| Average total loans | $707,411,800 | 802 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7201% | 2,362 |
| Cost of funding earning assets | 0.7305% | 3,066 |
| Net interest margin | 3.9896% | 1,975 |
| Noninterest income to average assets | 0.6601% | 1,949 |
| Noninterest expense to average assets | 2.7181% | 2,815 |
| Loan and lease loss provision to assets | 0.1594% | 1,181 |
| Net operating income to assets | 1.2248% | 2,110 |
| Return on assets (ROA) | 1.2273% | 2,178 |
| Pretax return on assets | 1.4819% | 2,015 |
| Return on Equity (ROE) | 11.1374% | 1,960 |
| Retained earnings to average equity (ytd only) | 8.3864% | 1,251 |
| Net charge-offs to loans | 0.0883% | 1,587 |
| Credit loss provision to net charge-offs | 253.8627% | 1,079 |
| Earnings coverage of net charge-offs (x) | 26.0943% | 1,754 |
| Efficiency ratio | 62.3925% | 3,264 |
| Assets per employee ($millions) | 5.0401% | 2,505 |
| Cash dividends to net income (ytd only)* | 24.7009% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 2,342 |
| Loan loss allowance to noncurrent loans | 201.9094% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.4452% | 2,742 |
| Noncurrent loans to loans | 0.6083% | 2,460 |
| Net loans and leases to total assets | 70.3791% | 2,415 |
| Net loans and leases to deposits | 81.2934% | 2,764 |
| Net loans and leases to core deposits | 89.6377% | 2,571 |
| Total domestic deposits to total assets | 86.5742% | 1,737 |
| Equity capital to assets | 11.4211% | 2,719 |
| Core capital (leverage) ratio | 10.7552% | 2,886 |
| Tier 1 risk-based capital ratio | 14.1985% | 3,226 |
| Total risk-based capital ratio | 15.3565% | 3,181 |
| Memoranda: | ||
| Average total assets | $989,589,750 | 790 |
| Average earning assets | $916,853,000 | 782 |
| Average equity | $109,047,000 | 833 |
| Average total loans | $703,806,750 | 808 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6731% | 2,441 |
| Cost of funding earning assets | 0.7033% | 3,155 |
| Net interest margin | 3.9698% | 2,016 |
| Noninterest income to average assets | 0.6633% | 1,861 |
| Noninterest expense to average assets | 2.7519% | 2,748 |
| Loan and lease loss provision to assets | 0.1360% | 1,365 |
| Net operating income to assets | 1.2184% | 2,075 |
| Return on assets (ROA) | 1.2212% | 2,124 |
| Pretax return on assets | 1.4500% | 2,032 |
| Return on Equity (ROE) | 11.2208% | 1,902 |
| Retained earnings to average equity (ytd only) | 7.0235% | 1,794 |
| Net charge-offs to loans | 0.0874% | 1,488 |
| Credit loss provision to net charge-offs | 218.9542% | 1,137 |
| Earnings coverage of net charge-offs (x) | 25.4771% | 1,595 |
| Efficiency ratio | 63.4865% | 3,217 |
| Assets per employee ($millions) | 5.1475% | 2,307 |
| Cash dividends to net income (ytd only)* | 37.4065% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1772% | 2,639 |
| Loan loss allowance to noncurrent loans | 171.2833% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.4973% | 2,560 |
| Noncurrent loans to loans | 0.6873% | 2,254 |
| Net loans and leases to total assets | 70.4367% | 2,467 |
| Net loans and leases to deposits | 80.9158% | 2,852 |
| Net loans and leases to core deposits | 87.8887% | 2,808 |
| Total domestic deposits to total assets | 87.0494% | 1,580 |
| Equity capital to assets | 11.0264% | 3,016 |
| Core capital (leverage) ratio | 10.5704% | 3,012 |
| Tier 1 risk-based capital ratio | 13.7917% | 3,429 |
| Total risk-based capital ratio | 14.9031% | 3,403 |
| Memoranda: | ||
| Average total assets | $985,123,670 | 790 |
| Average earning assets | $911,084,000 | 787 |
| Average equity | $107,212,000 | 837 |
| Average total loans | $700,185,330 | 814 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6373% | 2,423 |
| Cost of funding earning assets | 0.6552% | 3,296 |
| Net interest margin | 3.9822% | 1,903 |
| Noninterest income to average assets | 0.6596% | 1,784 |
| Noninterest expense to average assets | 2.7678% | 2,685 |
| Loan and lease loss provision to assets | 0.1258% | 1,395 |
| Net operating income to assets | 1.2498% | 1,894 |
| Return on assets (ROA) | 1.2498% | 1,936 |
| Pretax return on assets | 1.4359% | 1,971 |
| Return on Equity (ROE) | 11.5625% | 1,708 |
| Retained earnings to average equity (ytd only) | 11.5625% | 692 |
| Net charge-offs to loans | 0.0387% | 1,719 |
| Credit loss provision to net charge-offs | 458.2090% | 641 |
| Earnings coverage of net charge-offs (x) | 56.8657% | 946 |
| Efficiency ratio | 63.9273% | 3,248 |
| Assets per employee ($millions) | 5.2261% | 2,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1829% | 2,677 |
| Loan loss allowance to noncurrent loans | 176.6872% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.5129% | 2,574 |
| Noncurrent loans to loans | 0.6695% | 2,344 |
| Net loans and leases to total assets | 70.5650% | 2,396 |
| Net loans and leases to deposits | 81.1372% | 2,711 |
| Net loans and leases to core deposits | 88.7353% | 2,615 |
| Total domestic deposits to total assets | 86.9699% | 1,829 |
| Equity capital to assets | 11.0094% | 2,842 |
| Core capital (leverage) ratio | 10.6134% | 2,929 |
| Tier 1 risk-based capital ratio | 14.0634% | 3,309 |
| Total risk-based capital ratio | 15.1881% | 3,289 |
| Memoranda: | ||
| Average total assets | $975,802,000 | 804 |
| Average earning assets | $899,309,000 | 800 |
| Average equity | $105,478,500 | 848 |
| Average total loans | $692,557,000 | 827 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5714% | 2,227 |
| Cost of funding earning assets | 0.5218% | 3,217 |
| Net interest margin | 4.0495% | 1,826 |
| Noninterest income to average assets | 0.7666% | 1,579 |
| Noninterest expense to average assets | 2.7240% | 2,948 |
| Loan and lease loss provision to assets | 0.1608% | 1,271 |
| Net operating income to assets | 1.3417% | 1,649 |
| Return on assets (ROA) | 1.3417% | 1,637 |
| Pretax return on assets | 1.6093% | 1,440 |
| Return on Equity (ROE) | 12.6341% | 1,494 |
| Retained earnings to average equity (ytd only) | 8.5954% | 1,013 |
| Net charge-offs to loans | 0.0904% | 1,872 |
| Credit loss provision to net charge-offs | 250.8361% | 1,184 |
| Earnings coverage of net charge-offs (x) | 27.6070% | 1,685 |
| Efficiency ratio | 60.6131% | 3,757 |
| Assets per employee ($millions) | 5.0474% | 2,438 |
| Cash dividends to net income (ytd only)* | 31.9668% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 2,673 |
| Loan loss allowance to noncurrent loans | 238.4615% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.4160% | 2,889 |
| Noncurrent loans to loans | 0.4945% | 2,790 |
| Net loans and leases to total assets | 69.6988% | 2,613 |
| Net loans and leases to deposits | 79.8682% | 2,969 |
| Net loans and leases to core deposits | 86.1823% | 2,899 |
| Total domestic deposits to total assets | 87.2673% | 1,658 |
| Equity capital to assets | 10.6067% | 3,072 |
| Core capital (leverage) ratio | 10.8251% | 2,705 |
| Tier 1 risk-based capital ratio | 13.8122% | 3,378 |
| Total risk-based capital ratio | 14.9176% | 3,376 |
| Memoranda: | ||
| Average total assets | $932,657,400 | 815 |
| Average earning assets | $858,494,200 | 818 |
| Average equity | $99,041,800 | 860 |
| Average total loans | $661,345,200 | 830 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5541% | 2,114 |
| Cost of funding earning assets | 0.4928% | 3,246 |
| Net interest margin | 4.0613% | 1,755 |
| Noninterest income to average assets | 0.6437% | 2,105 |
| Noninterest expense to average assets | 2.8384% | 2,502 |
| Loan and lease loss provision to assets | 0.1581% | 1,224 |
| Net operating income to assets | 1.1497% | 2,439 |
| Return on assets (ROA) | 1.1497% | 2,450 |
| Pretax return on assets | 1.3950% | 2,246 |
| Return on Equity (ROE) | 10.8235% | 2,249 |
| Retained earnings to average equity (ytd only) | 10.8235% | 689 |
| Net charge-offs to loans | 0.0638% | 1,920 |
| Credit loss provision to net charge-offs | 348.7261% | 901 |
| Earnings coverage of net charge-offs (x) | 34.2608% | 1,489 |
| Efficiency ratio | 64.6339% | 3,082 |
| Assets per employee ($millions) | 5.0964% | 2,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 2,768 |
| Loan loss allowance to noncurrent loans | 259.8691% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.4405% | 2,918 |
| Noncurrent loans to loans | 0.4521% | 3,034 |
| Net loans and leases to total assets | 71.9926% | 2,329 |
| Net loans and leases to deposits | 83.9277% | 2,606 |
| Net loans and leases to core deposits | 91.3365% | 2,541 |
| Total domestic deposits to total assets | 85.7793% | 2,289 |
| Equity capital to assets | 10.8554% | 2,793 |
| Core capital (leverage) ratio | 10.9297% | 2,646 |
| Tier 1 risk-based capital ratio | 13.9844% | 3,381 |
| Total risk-based capital ratio | 15.0930% | 3,353 |
| Memoranda: | ||
| Average total assets | $923,548,000 | 822 |
| Average earning assets | $852,244,250 | 824 |
| Average equity | $98,105,000 | 860 |
| Average total loans | $655,804,500 | 837 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5180% | 2,032 |
| Cost of funding earning assets | 0.4660% | 3,248 |
| Net interest margin | 4.0519% | 1,694 |
| Noninterest income to average assets | 0.6504% | 2,091 |
| Noninterest expense to average assets | 2.8408% | 2,533 |
| Loan and lease loss provision to assets | 0.1496% | 1,265 |
| Net operating income to assets | 1.1483% | 2,399 |
| Return on assets (ROA) | 1.1483% | 2,403 |
| Pretax return on assets | 1.3971% | 2,161 |
| Return on Equity (ROE) | 10.8902% | 2,157 |
| Retained earnings to average equity (ytd only) | 10.8902% | 690 |
| Net charge-offs to loans | 0.1109% | 1,266 |
| Credit loss provision to net charge-offs | 191.6667% | 1,345 |
| Earnings coverage of net charge-offs (x) | 19.8111% | 1,837 |
| Efficiency ratio | 64.7472% | 3,200 |
| Assets per employee ($millions) | 5.0378% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1476% | 2,995 |
| Loan loss allowance to noncurrent loans | 246.0730% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.4068% | 3,105 |
| Noncurrent loans to loans | 0.4664% | 3,036 |
| Net loans and leases to total assets | 70.7347% | 2,469 |
| Net loans and leases to deposits | 81.4037% | 2,826 |
| Net loans and leases to core deposits | 88.4077% | 2,687 |
| Total domestic deposits to total assets | 86.8938% | 1,885 |
| Equity capital to assets | 10.8416% | 2,791 |
| Core capital (leverage) ratio | 10.6756% | 2,841 |
| Tier 1 risk-based capital ratio | 13.9289% | 3,392 |
| Total risk-based capital ratio | 14.9990% | 3,390 |
| Memoranda: | ||
| Average total assets | $922,216,000 | 825 |
| Average earning assets | $850,558,330 | 829 |
| Average equity | $97,243,670 | 869 |
| Average total loans | $649,172,000 | 844 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4656% | 1,973 |
| Cost of funding earning assets | 0.4229% | 3,419 |
| Net interest margin | 4.0427% | 1,587 |
| Noninterest income to average assets | 0.6521% | 2,023 |
| Noninterest expense to average assets | 2.8208% | 2,632 |
| Loan and lease loss provision to assets | 0.1445% | 1,294 |
| Net operating income to assets | 1.1602% | 2,176 |
| Return on assets (ROA) | 1.1602% | 2,188 |
| Pretax return on assets | 1.4143% | 1,960 |
| Return on Equity (ROE) | 11.1576% | 1,903 |
| Retained earnings to average equity (ytd only) | 11.1576% | 856 |
| Net charge-offs to loans | 0.1557% | 905 |
| Credit loss provision to net charge-offs | 132.9365% | 1,317 |
| Earnings coverage of net charge-offs (x) | 14.3413% | 1,715 |
| Efficiency ratio | 64.4081% | 3,415 |
| Assets per employee ($millions) | 5.2914% | 2,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1032% | 3,360 |
| Loan loss allowance to noncurrent loans | 213.5988% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.4212% | 3,149 |
| Noncurrent loans to loans | 0.5165% | 2,967 |
| Net loans and leases to total assets | 69.7023% | 2,531 |
| Net loans and leases to deposits | 79.6644% | 2,848 |
| Net loans and leases to core deposits | 84.8459% | 2,905 |
| Total domestic deposits to total assets | 87.4949% | 1,900 |
| Equity capital to assets | 10.3619% | 3,208 |
| Core capital (leverage) ratio | 9.2925% | 4,331 |
| Tier 1 risk-based capital ratio | 12.4818% | 4,249 |
| Total risk-based capital ratio | 13.5242% | 4,286 |
| Memoranda: | ||
| Average total assets | $927,403,000 | 826 |
| Average earning assets | $855,065,000 | 831 |
| Average equity | $96,436,500 | 880 |
| Average total loans | $647,519,500 | 851 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4445% | 1,894 |
| Cost of funding earning assets | 0.3873% | 3,366 |
| Net interest margin | 4.0573% | 1,567 |
| Noninterest income to average assets | 0.6542% | 2,171 |
| Noninterest expense to average assets | 2.7778% | 2,855 |
| Loan and lease loss provision to assets | 0.8565% | 134 |
| Net operating income to assets | 0.4114% | 4,654 |
| Return on assets (ROA) | 0.4158% | 4,664 |
| Pretax return on assets | 0.7520% | 4,381 |
| Return on Equity (ROE) | 4.0513% | 4,486 |
| Retained earnings to average equity (ytd only) | 4.0513% | 2,750 |
| Net charge-offs to loans | 1.0740% | 162 |
| Credit loss provision to net charge-offs | 115.0587% | 2,282 |
| Earnings coverage of net charge-offs (x) | 2.1516% | 3,795 |
| Efficiency ratio | 63.4264% | 3,687 |
| Assets per employee ($millions) | 5.1593% | 2,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 3,241 |
| Loan loss allowance to noncurrent loans | 182.6486% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.4866% | 2,933 |
| Noncurrent loans to loans | 0.6136% | 2,698 |
| Net loans and leases to total assets | 68.3810% | 2,771 |
| Net loans and leases to deposits | 78.2039% | 3,095 |
| Net loans and leases to core deposits | 83.0281% | 3,151 |
| Total domestic deposits to total assets | 87.4394% | 1,795 |
| Equity capital to assets | 10.4355% | 3,230 |
| Core capital (leverage) ratio | 10.1876% | 3,210 |
| Tier 1 risk-based capital ratio | 13.5526% | 3,598 |
| Total risk-based capital ratio | 14.6043% | 3,623 |
| Memoranda: | ||
| Average total assets | $903,632,600 | 828 |
| Average earning assets | $829,691,000 | 831 |
| Average equity | $92,735,200 | 885 |
| Average total loans | $626,344,800 | 838 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4406% | 1,819 |
| Cost of funding earning assets | 0.3708% | 3,455 |
| Net interest margin | 4.0698% | 1,481 |
| Noninterest income to average assets | 0.6601% | 2,161 |
| Noninterest expense to average assets | 2.9388% | 2,284 |
| Loan and lease loss provision to assets | 1.0949% | 94 |
| Net operating income to assets | 0.2857% | 5,245 |
| Return on assets (ROA) | 0.2927% | 5,251 |
| Pretax return on assets | 0.3760% | 5,225 |
| Return on Equity (ROE) | 2.8648% | 5,139 |
| Retained earnings to average equity (ytd only) | 2.8648% | 4,199 |
| Net charge-offs to loans | 1.4406% | 112 |
| Credit loss provision to net charge-offs | 109.5931% | 2,145 |
| Earnings coverage of net charge-offs (x) | 1.4632% | 3,571 |
| Efficiency ratio | 66.7813% | 3,085 |
| Assets per employee ($millions) | 5.1418% | 2,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 3,682 |
| Loan loss allowance to noncurrent loans | 193.2555% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.4663% | 3,170 |
| Noncurrent loans to loans | 0.5525% | 3,039 |
| Net loans and leases to total assets | 69.1317% | 2,674 |
| Net loans and leases to deposits | 83.0413% | 2,653 |
| Net loans and leases to core deposits | 89.6007% | 2,645 |
| Total domestic deposits to total assets | 83.2497% | 3,378 |
| Equity capital to assets | 10.5344% | 3,339 |
| Core capital (leverage) ratio | 10.0080% | 3,551 |
| Tier 1 risk-based capital ratio | 13.3980% | 3,769 |
| Total risk-based capital ratio | 14.4040% | 3,813 |
| Memoranda: | ||
| Average total assets | $898,660,750 | 837 |
| Average earning assets | $825,956,750 | 843 |
| Average equity | $91,825,500 | 894 |
| Average total loans | $623,263,500 | 846 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4095% | 1,783 |
| Cost of funding earning assets | 0.3479% | 3,604 |
| Net interest margin | 4.0616% | 1,425 |
| Noninterest income to average assets | 0.6491% | 2,209 |
| Noninterest expense to average assets | 2.9288% | 2,331 |
| Loan and lease loss provision to assets | 1.5690% | 63 |
| Net operating income to assets | -0.0653% | 5,574 |
| Return on assets (ROA) | -0.0653% | 5,579 |
| Pretax return on assets | -0.1252% | 5,588 |
| Return on Equity (ROE) | -0.6455% | 5,578 |
| Retained earnings to average equity (ytd only) | -0.6455% | 5,177 |
| Net charge-offs to loans | 2.1424% | 72 |
| Credit loss provision to net charge-offs | 105.8664% | 1,940 |
| Earnings coverage of net charge-offs (x) | 0.9742% | 3,334 |
| Efficiency ratio | 66.9802% | 3,185 |
| Assets per employee ($millions) | 5.1295% | 2,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0407% | 3,897 |
| Loan loss allowance to noncurrent loans | 237.9461% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.3966% | 3,525 |
| Noncurrent loans to loans | 0.4374% | 3,443 |
| Net loans and leases to total assets | 68.4302% | 2,748 |
| Net loans and leases to deposits | 80.8721% | 2,820 |
| Net loans and leases to core deposits | 85.9708% | 2,881 |
| Total domestic deposits to total assets | 84.6153% | 2,974 |
| Equity capital to assets | 10.3255% | 3,544 |
| Core capital (leverage) ratio | 10.0301% | 3,501 |
| Tier 1 risk-based capital ratio | 13.1716% | 3,903 |
| Total risk-based capital ratio | 14.1478% | 3,979 |
| Memoranda: | ||
| Average total assets | $894,846,000 | 846 |
| Average earning assets | $820,372,330 | 852 |
| Average equity | $90,476,000 | 907 |
| Average total loans | $619,030,670 | 852 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4143% | 1,602 |
| Cost of funding earning assets | 0.3275% | 3,778 |
| Net interest margin | 4.0868% | 1,247 |
| Noninterest income to average assets | 0.6322% | 2,258 |
| Noninterest expense to average assets | 2.8886% | 2,488 |
| Loan and lease loss provision to assets | 2.9989% | 22 |
| Net operating income to assets | -1.4423% | 5,798 |
| Return on assets (ROA) | -1.4423% | 5,798 |
| Pretax return on assets | -1.5301% | 5,797 |
| Return on Equity (ROE) | -14.4214% | 5,797 |
| Retained earnings to average equity (ytd only) | -14.4214% | 5,660 |
| Net charge-offs to loans | 4.0518% | 28 |
| Credit loss provision to net charge-offs | 106.9708% | 1,503 |
| Earnings coverage of net charge-offs (x) | 0.5239% | 2,812 |
| Efficiency ratio | 66.2912% | 3,449 |
| Assets per employee ($millions) | 5.0940% | 2,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0757% | 3,851 |
| Loan loss allowance to noncurrent loans | 225.3854% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.3908% | 3,636 |
| Noncurrent loans to loans | 0.4773% | 3,377 |
| Net loans and leases to total assets | 67.8693% | 2,702 |
| Net loans and leases to deposits | 76.8397% | 3,099 |
| Net loans and leases to core deposits | 81.4670% | 3,144 |
| Total domestic deposits to total assets | 88.3258% | 1,522 |
| Equity capital to assets | 9.9996% | 3,758 |
| Core capital (leverage) ratio | 9.7046% | 3,870 |
| Tier 1 risk-based capital ratio | 13.0292% | 4,058 |
| Total risk-based capital ratio | 14.0347% | 4,106 |
| Memoranda: | ||
| Average total assets | $888,312,000 | 855 |
| Average earning assets | $809,724,500 | 863 |
| Average equity | $88,840,500 | 921 |
| Average total loans | $614,635,500 | 856 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4854% | 1,579 |
| Cost of funding earning assets | 0.3047% | 4,020 |
| Net interest margin | 4.1807% | 1,165 |
| Noninterest income to average assets | 0.7094% | 2,136 |
| Noninterest expense to average assets | 3.0298% | 2,262 |
| Loan and lease loss provision to assets | 0.1477% | 1,685 |
| Net operating income to assets | 0.9807% | 2,433 |
| Return on assets (ROA) | 1.0562% | 2,212 |
| Pretax return on assets | 1.4549% | 1,734 |
| Return on Equity (ROE) | 9.1433% | 2,347 |
| Retained earnings to average equity (ytd only) | -5.8786% | 5,704 |
| Net charge-offs to loans | 0.0808% | 2,534 |
| Credit loss provision to net charge-offs | 262.2177% | 1,097 |
| Earnings coverage of net charge-offs (x) | 26.6099% | 1,542 |
| Efficiency ratio | 66.8983% | 3,455 |
| Assets per employee ($millions) | 5.1464% | 2,234 |
| Cash dividends to net income (ytd only)* | 164.2935% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9949% | 4,365 |
| Loan loss allowance to noncurrent loans | 176.3777% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.5337% | 3,141 |
| Noncurrent loans to loans | 0.5641% | 3,147 |
| Net loans and leases to total assets | 69.0854% | 2,612 |
| Net loans and leases to deposits | 78.3902% | 3,059 |
| Net loans and leases to core deposits | 83.0324% | 3,123 |
| Total domestic deposits to total assets | 88.1302% | 1,575 |
| Equity capital to assets | 10.0025% | 3,723 |
| Core capital (leverage) ratio | 9.9384% | 3,575 |
| Tier 1 risk-based capital ratio | 13.2830% | 3,906 |
| Total risk-based capital ratio | 14.2304% | 3,996 |
| Memoranda: | ||
| Average total assets | $864,411,800 | 840 |
| Average earning assets | $789,746,400 | 850 |
| Average equity | $99,854,200 | 788 |
| Average total loans | $602,524,400 | 828 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4757% | 1,621 |
| Cost of funding earning assets | 0.2995% | 4,104 |
| Net interest margin | 4.1761% | 1,187 |
| Noninterest income to average assets | 0.7090% | 2,130 |
| Noninterest expense to average assets | 3.0868% | 2,062 |
| Loan and lease loss provision to assets | 0.1470% | 1,597 |
| Net operating income to assets | 0.9490% | 2,657 |
| Return on assets (ROA) | 1.0437% | 2,351 |
| Pretax return on assets | 1.4430% | 1,907 |
| Return on Equity (ROE) | 8.7335% | 2,640 |
| Retained earnings to average equity (ytd only) | 8.7335% | 897 |
| Net charge-offs to loans | 0.0962% | 1,985 |
| Credit loss provision to net charge-offs | 219.2130% | 1,342 |
| Earnings coverage of net charge-offs (x) | 21.7545% | 1,804 |
| Efficiency ratio | 67.9140% | 3,238 |
| Assets per employee ($millions) | 5.1033% | 2,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9701% | 4,561 |
| Loan loss allowance to noncurrent loans | 273.7407% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.3956% | 3,843 |
| Noncurrent loans to loans | 0.3544% | 3,987 |
| Net loans and leases to total assets | 68.6559% | 2,701 |
| Net loans and leases to deposits | 82.0741% | 2,723 |
| Net loans and leases to core deposits | 87.2274% | 2,829 |
| Total domestic deposits to total assets | 83.6512% | 3,337 |
| Equity capital to assets | 12.1682% | 1,998 |
| Core capital (leverage) ratio | 11.5765% | 1,970 |
| Tier 1 risk-based capital ratio | 15.4345% | 2,858 |
| Total risk-based capital ratio | 16.3518% | 2,935 |
| Memoranda: | ||
| Average total assets | $859,220,250 | 844 |
| Average earning assets | $789,256,500 | 845 |
| Average equity | $102,682,750 | 774 |
| Average total loans | $598,737,000 | 830 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5282% | 1,436 |
| Cost of funding earning assets | 0.2967% | 4,171 |
| Net interest margin | 4.2314% | 1,057 |
| Noninterest income to average assets | 0.7293% | 2,008 |
| Noninterest expense to average assets | 3.1561% | 1,920 |
| Loan and lease loss provision to assets | 0.1444% | 1,587 |
| Net operating income to assets | 0.9579% | 2,590 |
| Return on assets (ROA) | 1.1028% | 2,073 |
| Pretax return on assets | 1.5111% | 1,639 |
| Return on Equity (ROE) | 9.2854% | 2,372 |
| Retained earnings to average equity (ytd only) | 9.2854% | 777 |
| Net charge-offs to loans | 0.0342% | 2,764 |
| Credit loss provision to net charge-offs | 604.9020% | 558 |
| Earnings coverage of net charge-offs (x) | 61.0490% | 863 |
| Efficiency ratio | 68.4149% | 3,258 |
| Assets per employee ($millions) | 5.2073% | 2,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9821% | 4,606 |
| Loan loss allowance to noncurrent loans | 199.6259% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.3791% | 3,970 |
| Noncurrent loans to loans | 0.4920% | 3,606 |
| Net loans and leases to total assets | 68.8675% | 2,656 |
| Net loans and leases to deposits | 80.0034% | 2,931 |
| Net loans and leases to core deposits | 85.2263% | 2,969 |
| Total domestic deposits to total assets | 86.0807% | 2,383 |
| Equity capital to assets | 12.1144% | 2,040 |
| Core capital (leverage) ratio | 11.2907% | 2,155 |
| Tier 1 risk-based capital ratio | 15.4148% | 2,897 |
| Total risk-based capital ratio | 16.3501% | 2,969 |
| Memoranda: | ||
| Average total assets | $854,737,330 | 849 |
| Average earning assets | $784,509,670 | 850 |
| Average equity | $101,514,330 | 784 |
| Average total loans | $596,646,670 | 827 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5356% | 1,409 |
| Cost of funding earning assets | 0.2949% | 4,216 |
| Net interest margin | 4.2407% | 1,013 |
| Noninterest income to average assets | 0.6728% | 2,158 |
| Noninterest expense to average assets | 2.9030% | 2,698 |
| Loan and lease loss provision to assets | 0.2050% | 954 |
| Net operating income to assets | 1.1269% | 1,805 |
| Return on assets (ROA) | 1.1632% | 1,773 |
| Pretax return on assets | 1.4972% | 1,596 |
| Return on Equity (ROE) | 9.8934% | 2,030 |
| Retained earnings to average equity (ytd only) | 9.8934% | 871 |
| Net charge-offs to loans | 0.0423% | 2,157 |
| Credit loss provision to net charge-offs | 693.6508% | 487 |
| Earnings coverage of net charge-offs (x) | 56.0159% | 813 |
| Efficiency ratio | 63.6785% | 4,176 |
| Assets per employee ($millions) | 5.3415% | 1,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9558% | 4,819 |
| Loan loss allowance to noncurrent loans | 219.5019% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.3552% | 4,146 |
| Noncurrent loans to loans | 0.4354% | 3,882 |
| Net loans and leases to total assets | 69.0353% | 2,491 |
| Net loans and leases to deposits | 80.9509% | 2,679 |
| Net loans and leases to core deposits | 86.0932% | 2,738 |
| Total domestic deposits to total assets | 85.2805% | 3,008 |
| Equity capital to assets | 11.8469% | 2,123 |
| Core capital (leverage) ratio | 11.1855% | 2,238 |
| Tier 1 risk-based capital ratio | 15.2640% | 3,033 |
| Total risk-based capital ratio | 16.1895% | 3,125 |
| Memoranda: | ||
| Average total assets | $852,507,000 | 858 |
| Average earning assets | $781,196,500 | 857 |
| Average equity | $100,228,000 | 795 |
| Average total loans | $596,181,500 | 825 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4939% | 1,619 |
| Cost of funding earning assets | 0.2642% | 4,649 |
| Net interest margin | 4.2297% | 1,104 |
| Noninterest income to average assets | 0.6951% | 2,223 |
| Noninterest expense to average assets | 2.9393% | 2,730 |
| Loan and lease loss provision to assets | 0.1322% | 1,810 |
| Net operating income to assets | 1.0769% | 2,019 |
| Return on assets (ROA) | 1.0922% | 2,029 |
| Pretax return on assets | 1.5302% | 1,462 |
| Return on Equity (ROE) | 9.6820% | 2,142 |
| Retained earnings to average equity (ytd only) | 9.6820% | 508 |
| Net charge-offs to loans | 0.1177% | 2,195 |
| Credit loss provision to net charge-offs | 162.9630% | 1,647 |
| Earnings coverage of net charge-offs (x) | 20.2341% | 1,891 |
| Efficiency ratio | 64.1739% | 4,222 |
| Assets per employee ($millions) | 5.2487% | 2,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9030% | 5,072 |
| Loan loss allowance to noncurrent loans | 202.9568% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.4926% | 3,669 |
| Noncurrent loans to loans | 0.4449% | 3,875 |
| Net loans and leases to total assets | 69.5345% | 2,441 |
| Net loans and leases to deposits | 80.3125% | 2,788 |
| Net loans and leases to core deposits | 85.2357% | 2,858 |
| Total domestic deposits to total assets | 86.5800% | 2,337 |
| Equity capital to assets | 11.6652% | 2,219 |
| Core capital (leverage) ratio | 11.1057% | 2,305 |
| Tier 1 risk-based capital ratio | 15.0578% | 3,151 |
| Total risk-based capital ratio | 15.9341% | 3,265 |
| Memoranda: | ||
| Average total assets | $832,352,000 | 835 |
| Average earning assets | $764,530,400 | 826 |
| Average equity | $93,895,800 | 808 |
| Average total loans | $573,431,800 | 816 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4826% | 1,650 |
| Cost of funding earning assets | 0.2631% | 4,743 |
| Net interest margin | 4.2195% | 1,121 |
| Noninterest income to average assets | 0.6892% | 2,286 |
| Noninterest expense to average assets | 2.9460% | 2,682 |
| Loan and lease loss provision to assets | 0.1447% | 1,514 |
| Net operating income to assets | 1.0302% | 2,330 |
| Return on assets (ROA) | 1.0484% | 2,326 |
| Pretax return on assets | 1.5025% | 1,679 |
| Return on Equity (ROE) | 9.3751% | 2,370 |
| Retained earnings to average equity (ytd only) | 9.3751% | 770 |
| Net charge-offs to loans | 0.0917% | 2,252 |
| Credit loss provision to net charge-offs | 230.1790% | 1,206 |
| Earnings coverage of net charge-offs (x) | 25.7852% | 1,645 |
| Efficiency ratio | 64.5037% | 4,158 |
| Assets per employee ($millions) | 5.1415% | 2,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9337% | 5,054 |
| Loan loss allowance to noncurrent loans | 281.7193% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.4376% | 4,030 |
| Noncurrent loans to loans | 0.3314% | 4,420 |
| Net loans and leases to total assets | 68.4534% | 2,614 |
| Net loans and leases to deposits | 80.3610% | 2,842 |
| Net loans and leases to core deposits | 85.3141% | 2,915 |
| Total domestic deposits to total assets | 85.1824% | 2,939 |
| Equity capital to assets | 11.3944% | 2,592 |
| Core capital (leverage) ratio | 10.8186% | 2,689 |
| Tier 1 risk-based capital ratio | 14.9560% | 3,315 |
| Total risk-based capital ratio | 15.8658% | 3,419 |
| Memoranda: | ||
| Average total assets | $829,181,250 | 849 |
| Average earning assets | $762,068,250 | 837 |
| Average equity | $92,726,000 | 826 |
| Average total loans | $568,553,500 | 830 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4274% | 1,762 |
| Cost of funding earning assets | 0.2596% | 4,837 |
| Net interest margin | 4.1679% | 1,176 |
| Noninterest income to average assets | 0.6773% | 2,311 |
| Noninterest expense to average assets | 2.9348% | 2,769 |
| Loan and lease loss provision to assets | 0.1455% | 1,477 |
| Net operating income to assets | 1.0083% | 2,346 |
| Return on assets (ROA) | 1.0331% | 2,330 |
| Pretax return on assets | 1.4608% | 1,764 |
| Return on Equity (ROE) | 9.2982% | 2,385 |
| Retained earnings to average equity (ytd only) | 9.2982% | 829 |
| Net charge-offs to loans | 0.1153% | 1,849 |
| Credit loss provision to net charge-offs | 184.6154% | 1,319 |
| Earnings coverage of net charge-offs (x) | 19.9323% | 1,732 |
| Efficiency ratio | 65.1289% | 4,170 |
| Assets per employee ($millions) | 4.9246% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9065% | 5,277 |
| Loan loss allowance to noncurrent loans | 383.2842% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.4394% | 4,170 |
| Noncurrent loans to loans | 0.2365% | 4,818 |
| Net loans and leases to total assets | 68.3665% | 2,593 |
| Net loans and leases to deposits | 78.3867% | 2,983 |
| Net loans and leases to core deposits | 83.1761% | 3,064 |
| Total domestic deposits to total assets | 87.2170% | 2,052 |
| Equity capital to assets | 11.1429% | 2,727 |
| Core capital (leverage) ratio | 10.6831% | 2,749 |
| Tier 1 risk-based capital ratio | 14.3458% | 3,735 |
| Total risk-based capital ratio | 15.2025% | 3,893 |
| Memoranda: | ||
| Average total assets | $824,507,000 | 857 |
| Average earning assets | $757,463,000 | 847 |
| Average equity | $91,608,670 | 840 |
| Average total loans | $563,857,330 | 836 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3838% | 1,822 |
| Cost of funding earning assets | 0.2563% | 4,945 |
| Net interest margin | 4.1275% | 1,212 |
| Noninterest income to average assets | 0.6424% | 2,439 |
| Noninterest expense to average assets | 2.8871% | 2,949 |
| Loan and lease loss provision to assets | 0.1462% | 1,390 |
| Net operating income to assets | 1.0320% | 2,116 |
| Return on assets (ROA) | 1.0587% | 2,132 |
| Pretax return on assets | 1.4360% | 1,755 |
| Return on Equity (ROE) | 9.5426% | 2,200 |
| Retained earnings to average equity (ytd only) | 9.5426% | 1,031 |
| Net charge-offs to loans | 0.0816% | 1,890 |
| Credit loss provision to net charge-offs | 263.1579% | 894 |
| Earnings coverage of net charge-offs (x) | 27.8246% | 1,193 |
| Efficiency ratio | 65.1237% | 4,295 |
| Assets per employee ($millions) | 4.8545% | 2,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9007% | 5,441 |
| Loan loss allowance to noncurrent loans | 175.6265% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 3,950 |
| Noncurrent loans to loans | 0.5129% | 4,036 |
| Net loans and leases to total assets | 68.2028% | 2,407 |
| Net loans and leases to deposits | 78.2763% | 2,767 |
| Net loans and leases to core deposits | 83.0745% | 2,860 |
| Total domestic deposits to total assets | 87.1308% | 2,305 |
| Equity capital to assets | 11.2114% | 2,739 |
| Core capital (leverage) ratio | 10.3768% | 3,126 |
| Tier 1 risk-based capital ratio | 14.4202% | 3,763 |
| Total risk-based capital ratio | 15.2875% | 3,905 |
| Memoranda: | ||
| Average total assets | $820,628,500 | 861 |
| Average earning assets | $753,676,000 | 849 |
| Average equity | $91,044,000 | 844 |
| Average total loans | $558,688,500 | 839 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6380% | 1,452 |
| Cost of funding earning assets | 0.2689% | 5,112 |
| Net interest margin | 4.3691% | 930 |
| Noninterest income to average assets | 0.7170% | 2,231 |
| Noninterest expense to average assets | 2.9909% | 2,871 |
| Loan and lease loss provision to assets | 0.1459% | 1,810 |
| Net operating income to assets | 1.1312% | 1,859 |
| Return on assets (ROA) | 1.1856% | 1,700 |
| Pretax return on assets | 1.6566% | 1,081 |
| Return on Equity (ROE) | 10.8943% | 1,753 |
| Retained earnings to average equity (ytd only) | 10.8943% | 389 |
| Net charge-offs to loans | 0.1368% | 2,651 |
| Credit loss provision to net charge-offs | 156.0501% | 1,554 |
| Earnings coverage of net charge-offs (x) | 18.4743% | 1,845 |
| Efficiency ratio | 63.3946% | 4,687 |
| Assets per employee ($millions) | 4.7999% | 2,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8973% | 5,483 |
| Loan loss allowance to noncurrent loans | 170.5882% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.5181% | 4,067 |
| Noncurrent loans to loans | 0.5260% | 4,091 |
| Net loans and leases to total assets | 66.7258% | 2,764 |
| Net loans and leases to deposits | 76.4061% | 3,155 |
| Net loans and leases to core deposits | 81.1434% | 3,186 |
| Total domestic deposits to total assets | 87.3304% | 2,112 |
| Equity capital to assets | 10.9762% | 2,919 |
| Core capital (leverage) ratio | 10.5375% | 2,906 |
| Tier 1 risk-based capital ratio | 14.6929% | 3,660 |
| Total risk-based capital ratio | 15.5711% | 3,819 |
| Memoranda: | ||
| Average total assets | $769,142,800 | 883 |
| Average earning assets | $704,305,800 | 871 |
| Average equity | $83,704,000 | 882 |
| Average total loans | $525,560,800 | 843 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6614% | 1,402 |
| Cost of funding earning assets | 0.2702% | 5,196 |
| Net interest margin | 4.3912% | 893 |
| Noninterest income to average assets | 0.7103% | 2,278 |
| Noninterest expense to average assets | 3.0152% | 2,755 |
| Loan and lease loss provision to assets | 0.1825% | 1,343 |
| Net operating income to assets | 1.0799% | 2,112 |
| Return on assets (ROA) | 1.1431% | 1,951 |
| Pretax return on assets | 1.6302% | 1,232 |
| Return on Equity (ROE) | 10.5284% | 1,982 |
| Retained earnings to average equity (ytd only) | 10.5284% | 585 |
| Net charge-offs to loans | 0.1753% | 2,048 |
| Credit loss provision to net charge-offs | 151.8302% | 1,565 |
| Earnings coverage of net charge-offs (x) | 14.3266% | 2,151 |
| Efficiency ratio | 63.6435% | 4,608 |
| Assets per employee ($millions) | 4.7352% | 2,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8884% | 5,637 |
| Loan loss allowance to noncurrent loans | 442.1196% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.2943% | 5,089 |
| Noncurrent loans to loans | 0.2009% | 5,298 |
| Net loans and leases to total assets | 69.2777% | 2,312 |
| Net loans and leases to deposits | 81.1854% | 2,523 |
| Net loans and leases to core deposits | 86.5540% | 2,606 |
| Total domestic deposits to total assets | 85.3326% | 3,195 |
| Equity capital to assets | 10.9733% | 2,985 |
| Core capital (leverage) ratio | 10.4558% | 3,093 |
| Tier 1 risk-based capital ratio | 14.1898% | 4,087 |
| Total risk-based capital ratio | 15.0573% | 4,284 |
| Memoranda: | ||
| Average total assets | $757,431,750 | 904 |
| Average earning assets | $694,677,500 | 888 |
| Average equity | $82,239,000 | 893 |
| Average total loans | $519,600,000 | 859 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6595% | 1,372 |
| Cost of funding earning assets | 0.2698% | 5,285 |
| Net interest margin | 4.3897% | 865 |
| Noninterest income to average assets | 0.6961% | 2,302 |
| Noninterest expense to average assets | 3.0135% | 2,786 |
| Loan and lease loss provision to assets | 0.1364% | 1,816 |
| Net operating income to assets | 1.1315% | 1,815 |
| Return on assets (ROA) | 1.2018% | 1,652 |
| Pretax return on assets | 1.6679% | 1,092 |
| Return on Equity (ROE) | 11.1100% | 1,710 |
| Retained earnings to average equity (ytd only) | 11.1100% | 526 |
| Net charge-offs to loans | 0.1354% | 2,316 |
| Credit loss provision to net charge-offs | 147.8261% | 1,470 |
| Earnings coverage of net charge-offs (x) | 18.4986% | 1,682 |
| Efficiency ratio | 63.8434% | 4,713 |
| Assets per employee ($millions) | 4.6322% | 2,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9118% | 5,689 |
| Loan loss allowance to noncurrent loans | 284.8816% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.2552% | 5,326 |
| Noncurrent loans to loans | 0.3201% | 5,050 |
| Net loans and leases to total assets | 67.5334% | 2,496 |
| Net loans and leases to deposits | 77.5042% | 2,869 |
| Net loans and leases to core deposits | 82.7989% | 2,883 |
| Total domestic deposits to total assets | 87.1351% | 2,381 |
| Equity capital to assets | 11.1377% | 2,746 |
| Core capital (leverage) ratio | 10.5235% | 2,918 |
| Tier 1 risk-based capital ratio | 14.5210% | 3,917 |
| Total risk-based capital ratio | 15.3964% | 4,096 |
| Memoranda: | ||
| Average total assets | $747,894,330 | 912 |
| Average earning assets | $685,604,670 | 899 |
| Average equity | $80,900,330 | 902 |
| Average total loans | $509,655,330 | 870 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6255% | 1,438 |
| Cost of funding earning assets | 0.2712% | 5,374 |
| Net interest margin | 4.3544% | 886 |
| Noninterest income to average assets | 0.6508% | 2,458 |
| Noninterest expense to average assets | 2.9783% | 2,949 |
| Loan and lease loss provision to assets | 0.1370% | 1,770 |
| Net operating income to assets | 1.1344% | 1,681 |
| Return on assets (ROA) | 1.2796% | 1,318 |
| Pretax return on assets | 1.7186% | 938 |
| Return on Equity (ROE) | 12.0096% | 1,402 |
| Retained earnings to average equity (ytd only) | 12.0096% | 603 |
| Net charge-offs to loans | 0.0442% | 2,771 |
| Credit loss provision to net charge-offs | 455.3571% | 589 |
| Earnings coverage of net charge-offs (x) | 55.1429% | 702 |
| Efficiency ratio | 64.2178% | 4,826 |
| Assets per employee ($millions) | 4.5115% | 2,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 5,749 |
| Loan loss allowance to noncurrent loans | 234.5409% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.3049% | 5,242 |
| Noncurrent loans to loans | 0.3994% | 4,936 |
| Net loans and leases to total assets | 67.1341% | 2,369 |
| Net loans and leases to deposits | 77.3097% | 2,651 |
| Net loans and leases to core deposits | 82.7311% | 2,669 |
| Total domestic deposits to total assets | 86.8379% | 2,919 |
| Equity capital to assets | 10.8612% | 2,862 |
| Core capital (leverage) ratio | 10.2525% | 3,217 |
| Tier 1 risk-based capital ratio | 14.5090% | 4,004 |
| Total risk-based capital ratio | 15.4148% | 4,165 |
| Memoranda: | ||
| Average total assets | $744,318,500 | 919 |
| Average earning assets | $681,522,500 | 907 |
| Average equity | $79,303,000 | 923 |
| Average total loans | $507,183,000 | 869 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7564% | 1,425 |
| Cost of funding earning assets | 0.3269% | 5,355 |
| Net interest margin | 4.4294% | 856 |
| Noninterest income to average assets | 0.7768% | 2,178 |
| Noninterest expense to average assets | 3.1100% | 2,703 |
| Loan and lease loss provision to assets | 0.1254% | 2,747 |
| Net operating income to assets | 1.1112% | 1,897 |
| Return on assets (ROA) | 1.1431% | 1,848 |
| Pretax return on assets | 1.6360% | 1,086 |
| Return on Equity (ROE) | 10.9101% | 1,793 |
| Retained earnings to average equity (ytd only) | 10.9101% | 429 |
| Net charge-offs to loans | 0.0970% | 3,872 |
| Credit loss provision to net charge-offs | 189.8734% | 1,203 |
| Earnings coverage of net charge-offs (x) | 25.9831% | 1,308 |
| Efficiency ratio | 64.4447% | 4,831 |
| Assets per employee ($millions) | 4.5940% | 2,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8878% | 5,964 |
| Loan loss allowance to noncurrent loans | 287.0640% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.2596% | 5,483 |
| Noncurrent loans to loans | 0.3093% | 5,259 |
| Net loans and leases to total assets | 67.9040% | 2,373 |
| Net loans and leases to deposits | 77.2531% | 2,825 |
| Net loans and leases to core deposits | 82.6793% | 2,815 |
| Total domestic deposits to total assets | 87.8981% | 2,236 |
| Equity capital to assets | 10.4477% | 3,224 |
| Core capital (leverage) ratio | 10.1083% | 3,418 |
| Tier 1 risk-based capital ratio | 13.9785% | 4,313 |
| Total risk-based capital ratio | 14.8418% | 4,534 |
| Memoranda: | ||
| Average total assets | $717,772,000 | 920 |
| Average earning assets | $656,132,600 | 919 |
| Average equity | $75,205,600 | 951 |
| Average total loans | $488,820,000 | 867 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7481% | 1,483 |
| Cost of funding earning assets | 0.3394% | 5,386 |
| Net interest margin | 4.4087% | 876 |
| Noninterest income to average assets | 0.7867% | 2,219 |
| Noninterest expense to average assets | 3.1364% | 2,545 |
| Loan and lease loss provision to assets | 0.1266% | 2,716 |
| Net operating income to assets | 1.0980% | 2,015 |
| Return on assets (ROA) | 1.1414% | 1,922 |
| Pretax return on assets | 1.6184% | 1,300 |
| Return on Equity (ROE) | 10.8855% | 1,860 |
| Retained earnings to average equity (ytd only) | 10.8855% | 599 |
| Net charge-offs to loans | 0.0913% | 3,654 |
| Credit loss provision to net charge-offs | 203.9275% | 1,186 |
| Earnings coverage of net charge-offs (x) | 27.1331% | 1,324 |
| Efficiency ratio | 65.0681% | 4,636 |
| Assets per employee ($millions) | 4.5605% | 2,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8871% | 6,087 |
| Loan loss allowance to noncurrent loans | 298.9240% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 5,748 |
| Noncurrent loans to loans | 0.2968% | 5,490 |
| Net loans and leases to total assets | 68.4910% | 2,228 |
| Net loans and leases to deposits | 80.2626% | 2,373 |
| Net loans and leases to core deposits | 86.3804% | 2,364 |
| Total domestic deposits to total assets | 85.3336% | 3,572 |
| Equity capital to assets | 10.4831% | 3,297 |
| Core capital (leverage) ratio | 9.9456% | 3,748 |
| Tier 1 risk-based capital ratio | 13.8949% | 4,497 |
| Total risk-based capital ratio | 14.7627% | 4,706 |
| Memoranda: | ||
| Average total assets | $711,156,750 | 937 |
| Average earning assets | $650,630,000 | 934 |
| Average equity | $74,568,250 | 969 |
| Average total loans | $483,552,250 | 882 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6856% | 1,609 |
| Cost of funding earning assets | 0.3484% | 5,420 |
| Net interest margin | 4.3372% | 962 |
| Noninterest income to average assets | 0.7592% | 2,367 |
| Noninterest expense to average assets | 3.1555% | 2,496 |
| Loan and lease loss provision to assets | 0.1274% | 2,722 |
| Net operating income to assets | 1.0451% | 2,135 |
| Return on assets (ROA) | 1.1108% | 2,009 |
| Pretax return on assets | 1.5270% | 1,543 |
| Return on Equity (ROE) | 10.5930% | 1,969 |
| Retained earnings to average equity (ytd only) | 10.5930% | 725 |
| Net charge-offs to loans | 0.1001% | 3,363 |
| Credit loss provision to net charge-offs | 188.2845% | 1,265 |
| Earnings coverage of net charge-offs (x) | 23.1213% | 1,340 |
| Efficiency ratio | 66.8566% | 4,384 |
| Assets per employee ($millions) | 4.4493% | 2,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8936% | 6,151 |
| Loan loss allowance to noncurrent loans | 393.4307% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 6,005 |
| Noncurrent loans to loans | 0.2271% | 5,738 |
| Net loans and leases to total assets | 65.9400% | 2,611 |
| Net loans and leases to deposits | 76.4736% | 2,807 |
| Net loans and leases to core deposits | 82.3722% | 2,763 |
| Total domestic deposits to total assets | 86.2258% | 3,245 |
| Equity capital to assets | 10.1012% | 3,788 |
| Core capital (leverage) ratio | 9.8869% | 3,664 |
| Tier 1 risk-based capital ratio | 13.8964% | 4,492 |
| Total risk-based capital ratio | 14.7649% | 4,717 |
| Memoranda: | ||
| Average total assets | $706,504,670 | 944 |
| Average earning assets | $645,162,670 | 938 |
| Average equity | $74,086,330 | 981 |
| Average total loans | $477,709,000 | 885 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7006% | 1,536 |
| Cost of funding earning assets | 0.3638% | 5,421 |
| Net interest margin | 4.3368% | 895 |
| Noninterest income to average assets | 0.7384% | 2,382 |
| Noninterest expense to average assets | 3.2631% | 2,179 |
| Loan and lease loss provision to assets | 0.1291% | 2,629 |
| Net operating income to assets | 1.0052% | 2,201 |
| Return on assets (ROA) | 1.1453% | 1,808 |
| Pretax return on assets | 1.4815% | 1,612 |
| Return on Equity (ROE) | 10.7167% | 1,786 |
| Retained earnings to average equity (ytd only) | 10.7167% | 936 |
| Net charge-offs to loans | 0.1128% | 2,753 |
| Credit loss provision to net charge-offs | 167.9104% | 1,251 |
| Earnings coverage of net charge-offs (x) | 18.5821% | 1,257 |
| Efficiency ratio | 69.5487% | 4,047 |
| Assets per employee ($millions) | 4.3357% | 3,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8880% | 6,290 |
| Loan loss allowance to noncurrent loans | 305.9854% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.2099% | 5,938 |
| Noncurrent loans to loans | 0.2902% | 5,685 |
| Net loans and leases to total assets | 66.6168% | 2,261 |
| Net loans and leases to deposits | 75.9721% | 2,639 |
| Net loans and leases to core deposits | 81.9881% | 2,572 |
| Total domestic deposits to total assets | 87.6860% | 2,526 |
| Equity capital to assets | 10.7041% | 3,314 |
| Core capital (leverage) ratio | 9.5459% | 4,006 |
| Tier 1 risk-based capital ratio | 14.0260% | 4,489 |
| Total risk-based capital ratio | 14.9029% | 4,719 |
| Memoranda: | ||
| Average total assets | $697,136,500 | 961 |
| Average earning assets | $635,498,500 | 971 |
| Average equity | $74,500,500 | 982 |
| Average total loans | $475,295,500 | 891 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9529% | 1,681 |
| Cost of funding earning assets | 0.4065% | 5,875 |
| Net interest margin | 4.5464% | 866 |
| Noninterest income to average assets | 0.7543% | 2,476 |
| Noninterest expense to average assets | 3.2452% | 2,481 |
| Loan and lease loss provision to assets | 0.1909% | 3,250 |
| Net operating income to assets | 1.0259% | 2,229 |
| Return on assets (ROA) | 1.0507% | 2,316 |
| Pretax return on assets | 1.4850% | 1,729 |
| Return on Equity (ROE) | 10.0089% | 2,163 |
| Retained earnings to average equity (ytd only) | 10.0089% | 598 |
| Net charge-offs to loans | 0.0992% | 4,674 |
| Credit loss provision to net charge-offs | 277.9476% | 863 |
| Earnings coverage of net charge-offs (x) | 23.8865% | 1,200 |
| Efficiency ratio | 66.4160% | 4,426 |
| Assets per employee ($millions) | 4.1933% | 3,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8571% | 6,379 |
| Loan loss allowance to noncurrent loans | 171.5900% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.3605% | 5,607 |
| Noncurrent loans to loans | 0.4995% | 5,288 |
| Net loans and leases to total assets | 68.5647% | 2,093 |
| Net loans and leases to deposits | 79.4670% | 2,357 |
| Net loans and leases to core deposits | 86.0464% | 2,309 |
| Total domestic deposits to total assets | 86.2807% | 3,214 |
| Equity capital to assets | 10.6690% | 3,320 |
| Core capital (leverage) ratio | 9.5530% | 4,033 |
| Tier 1 risk-based capital ratio | 13.7513% | 4,562 |
| Total risk-based capital ratio | 14.6184% | 4,800 |
| Memoranda: | ||
| Average total assets | $666,678,600 | 990 |
| Average earning assets | $605,887,200 | 988 |
| Average equity | $69,987,800 | 1,005 |
| Average total loans | $461,661,200 | 894 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9750% | 1,759 |
| Cost of funding earning assets | 0.4102% | 6,063 |
| Net interest margin | 4.5649% | 876 |
| Noninterest income to average assets | 0.7305% | 2,568 |
| Noninterest expense to average assets | 3.1805% | 2,631 |
| Loan and lease loss provision to assets | 0.2090% | 2,982 |
| Net operating income to assets | 1.0374% | 2,328 |
| Return on assets (ROA) | 1.0594% | 2,469 |
| Pretax return on assets | 1.5344% | 1,767 |
| Return on Equity (ROE) | 10.1344% | 2,285 |
| Retained earnings to average equity (ytd only) | 10.1344% | 881 |
| Net charge-offs to loans | 0.1070% | 4,319 |
| Credit loss provision to net charge-offs | 282.0163% | 960 |
| Earnings coverage of net charge-offs (x) | 23.0981% | 1,327 |
| Efficiency ratio | 65.0144% | 4,625 |
| Assets per employee ($millions) | 4.0067% | 3,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8380% | 6,532 |
| Loan loss allowance to noncurrent loans | 223.3898% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.3887% | 5,721 |
| Noncurrent loans to loans | 0.3751% | 5,727 |
| Net loans and leases to total assets | 70.3506% | 1,844 |
| Net loans and leases to deposits | 80.4531% | 2,323 |
| Net loans and leases to core deposits | 87.5091% | 2,277 |
| Total domestic deposits to total assets | 87.4430% | 2,386 |
| Equity capital to assets | 10.9215% | 3,355 |
| Core capital (leverage) ratio | 9.7985% | 3,818 |
| Tier 1 risk-based capital ratio | 13.7718% | 4,708 |
| Total risk-based capital ratio | 14.6325% | 4,923 |
| Memoranda: | ||
| Average total assets | $660,374,500 | 1,002 |
| Average earning assets | $602,029,750 | 1,004 |
| Average equity | $69,030,250 | 1,023 |
| Average total loans | $457,452,250 | 905 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9819% | 1,835 |
| Cost of funding earning assets | 0.4003% | 6,264 |
| Net interest margin | 4.5817% | 860 |
| Noninterest income to average assets | 0.6998% | 2,673 |
| Noninterest expense to average assets | 3.1342% | 2,808 |
| Loan and lease loss provision to assets | 0.2222% | 2,860 |
| Net operating income to assets | 1.0418% | 2,288 |
| Return on assets (ROA) | 1.0604% | 2,435 |
| Pretax return on assets | 1.5404% | 1,745 |
| Return on Equity (ROE) | 10.2997% | 2,238 |
| Retained earnings to average equity (ytd only) | 10.2997% | 890 |
| Net charge-offs to loans | 0.1675% | 3,600 |
| Credit loss provision to net charge-offs | 193.1398% | 1,465 |
| Earnings coverage of net charge-offs (x) | 15.0844% | 1,668 |
| Efficiency ratio | 64.3601% | 4,820 |
| Assets per employee ($millions) | 3.9122% | 4,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7957% | 6,678 |
| Loan loss allowance to noncurrent loans | 166.8501% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.4624% | 5,617 |
| Noncurrent loans to loans | 0.4769% | 5,576 |
| Net loans and leases to total assets | 69.4391% | 2,019 |
| Net loans and leases to deposits | 79.2285% | 2,490 |
| Net loans and leases to core deposits | 86.3105% | 2,389 |
| Total domestic deposits to total assets | 87.6441% | 2,368 |
| Equity capital to assets | 10.7435% | 3,404 |
| Core capital (leverage) ratio | 9.5628% | 4,057 |
| Tier 1 risk-based capital ratio | 13.5419% | 4,789 |
| Total risk-based capital ratio | 14.3433% | 5,102 |
| Memoranda: | ||
| Average total assets | $658,795,000 | 1,000 |
| Average earning assets | $599,606,670 | 1,009 |
| Average equity | $67,827,000 | 1,035 |
| Average total loans | $452,648,000 | 914 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0308% | 1,788 |
| Cost of funding earning assets | 0.3922% | 6,445 |
| Net interest margin | 4.6386% | 764 |
| Noninterest income to average assets | 0.6645% | 2,842 |
| Noninterest expense to average assets | 3.0681% | 3,030 |
| Loan and lease loss provision to assets | 0.2872% | 2,166 |
| Net operating income to assets | 1.0485% | 2,294 |
| Return on assets (ROA) | 1.0485% | 2,481 |
| Pretax return on assets | 1.5286% | 1,802 |
| Return on Equity (ROE) | 10.4075% | 2,263 |
| Retained earnings to average equity (ytd only) | 10.4075% | 1,177 |
| Net charge-offs to loans | 0.0595% | 3,901 |
| Credit loss provision to net charge-offs | 708.9552% | 498 |
| Earnings coverage of net charge-offs (x) | 44.8209% | 685 |
| Efficiency ratio | 62.8204% | 5,134 |
| Assets per employee ($millions) | 3.8880% | 4,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8182% | 6,706 |
| Loan loss allowance to noncurrent loans | 154.6901% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.4022% | 5,857 |
| Noncurrent loans to loans | 0.5289% | 5,605 |
| Net loans and leases to total assets | 68.1468% | 2,088 |
| Net loans and leases to deposits | 77.3767% | 2,611 |
| Net loans and leases to core deposits | 82.9961% | 2,690 |
| Total domestic deposits to total assets | 88.0714% | 2,266 |
| Equity capital to assets | 10.2832% | 3,747 |
| Core capital (leverage) ratio | 9.0261% | 4,800 |
| Tier 1 risk-based capital ratio | 13.1224% | 5,115 |
| Total risk-based capital ratio | 13.9409% | 5,416 |
| Memoranda: | ||
| Average total assets | $661,522,000 | 997 |
| Average earning assets | $601,728,500 | 1,000 |
| Average equity | $66,644,500 | 1,049 |
| Average total loans | $450,315,500 | 916 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7431% | 4,062 |
| Cost of funding earning assets | 0.5433% | 6,372 |
| Net interest margin | 4.1998% | 2,060 |
| Noninterest income to average assets | 0.6702% | 2,783 |
| Noninterest expense to average assets | 3.0968% | 3,208 |
| Loan and lease loss provision to assets | 0.1204% | 5,097 |
| Net operating income to assets | 0.8761% | 2,711 |
| Return on assets (ROA) | 0.9460% | 2,551 |
| Pretax return on assets | 1.3793% | 1,844 |
| Return on Equity (ROE) | 10.0398% | 2,046 |
| Retained earnings to average equity (ytd only) | 10.0398% | 560 |
| Net charge-offs to loans | 0.0598% | 5,704 |
| Credit loss provision to net charge-offs | 296.4427% | 797 |
| Earnings coverage of net charge-offs (x) | 34.4387% | 753 |
| Efficiency ratio | 68.8910% | 4,175 |
| Assets per employee ($millions) | 3.9641% | 3,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7316% | 6,857 |
| Loan loss allowance to noncurrent loans | 126.4819% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.4284% | 5,895 |
| Noncurrent loans to loans | 0.5784% | 5,553 |
| Net loans and leases to total assets | 66.9514% | 2,597 |
| Net loans and leases to deposits | 75.6775% | 3,223 |
| Net loans and leases to core deposits | 82.0755% | 3,164 |
| Total domestic deposits to total assets | 88.4694% | 1,869 |
| Equity capital to assets | 9.8684% | 4,344 |
| Core capital (leverage) ratio | 9.8832% | 3,477 |
| Tier 1 risk-based capital ratio | 12.7368% | 5,282 |
| Total risk-based capital ratio | 13.4667% | 5,649 |
| Memoranda: | ||
| Average total assets | $623,061,200 | 1,043 |
| Average earning assets | $567,450,000 | 1,045 |
| Average equity | $58,706,200 | 1,156 |
| Average total loans | $423,080,000 | 993 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2212% | 2,126 |
| Cost of funding earning assets | 0.7033% | 5,744 |
| Net interest margin | 4.5179% | 1,101 |
| Noninterest income to average assets | 0.6367% | 2,957 |
| Noninterest expense to average assets | 2.9783% | 3,639 |
| Loan and lease loss provision to assets | 0.1969% | 4,057 |
| Net operating income to assets | 1.0928% | 1,996 |
| Return on assets (ROA) | 1.1344% | 1,985 |
| Pretax return on assets | 1.6867% | 1,169 |
| Return on Equity (ROE) | 12.7956% | 1,331 |
| Retained earnings to average equity (ytd only) | 12.7956% | 403 |
| Net charge-offs to loans | 0.0556% | 5,416 |
| Credit loss provision to net charge-offs | 485.2941% | 572 |
| Earnings coverage of net charge-offs (x) | 44.8894% | 701 |
| Efficiency ratio | 62.0501% | 5,400 |
| Assets per employee ($millions) | 4.3712% | 3,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9609% | 6,420 |
| Loan loss allowance to noncurrent loans | 128.4231% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.5773% | 5,670 |
| Noncurrent loans to loans | 0.7483% | 5,383 |
| Net loans and leases to total assets | 73.5775% | 1,400 |
| Net loans and leases to deposits | 83.7947% | 2,034 |
| Net loans and leases to core deposits | 95.5533% | 1,649 |
| Total domestic deposits to total assets | 87.8069% | 2,163 |
| Equity capital to assets | 9.0411% | 5,704 |
| Core capital (leverage) ratio | 8.9381% | 5,033 |
| Tier 1 risk-based capital ratio | 12.0747% | 5,846 |
| Total risk-based capital ratio | 13.0733% | 6,004 |
| Memoranda: | ||
| Average total assets | $446,869,000 | 1,475 |
| Average earning assets | $411,774,250 | 1,462 |
| Average equity | $39,616,750 | 1,708 |
| Average total loans | $325,853,500 | 1,309 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1975% | 2,266 |
| Cost of funding earning assets | 0.7391% | 5,743 |
| Net interest margin | 4.4584% | 1,229 |
| Noninterest income to average assets | 0.6083% | 3,078 |
| Noninterest expense to average assets | 2.9269% | 3,916 |
| Loan and lease loss provision to assets | 0.1978% | 3,955 |
| Net operating income to assets | 1.0779% | 1,943 |
| Return on assets (ROA) | 1.0779% | 2,041 |
| Pretax return on assets | 1.5862% | 1,284 |
| Return on Equity (ROE) | 12.2448% | 1,422 |
| Retained earnings to average equity (ytd only) | 12.2448% | 491 |
| Net charge-offs to loans | 0.0772% | 4,868 |
| Credit loss provision to net charge-offs | 353.6585% | 869 |
| Earnings coverage of net charge-offs (x) | 31.9024% | 879 |
| Efficiency ratio | 62.1309% | 5,567 |
| Assets per employee ($millions) | 4.3112% | 3,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9327% | 6,573 |
| Loan loss allowance to noncurrent loans | 331.2500% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.2306% | 6,550 |
| Noncurrent loans to loans | 0.2816% | 6,359 |
| Net loans and leases to total assets | 73.3759% | 1,521 |
| Net loans and leases to deposits | 81.9643% | 2,463 |
| Net loans and leases to core deposits | 95.2413% | 1,758 |
| Total domestic deposits to total assets | 89.5218% | 1,229 |
| Equity capital to assets | 8.9495% | 5,651 |
| Core capital (leverage) ratio | 8.6219% | 5,360 |
| Tier 1 risk-based capital ratio | 12.0807% | 5,723 |
| Total risk-based capital ratio | 13.0507% | 5,927 |
| Memoranda: | ||
| Average total assets | $439,918,000 | 1,504 |
| Average earning assets | $404,809,670 | 1,502 |
| Average equity | $38,726,670 | 1,732 |
| Average total loans | $318,645,670 | 1,357 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1707% | 2,349 |
| Cost of funding earning assets | 0.7584% | 5,812 |
| Net interest margin | 4.4123% | 1,252 |
| Noninterest income to average assets | 0.5600% | 3,434 |
| Noninterest expense to average assets | 2.9257% | 3,966 |
| Loan and lease loss provision to assets | 0.1938% | 3,692 |
| Net operating income to assets | 1.0094% | 2,156 |
| Return on assets (ROA) | 1.0094% | 2,204 |
| Pretax return on assets | 1.4771% | 1,511 |
| Return on Equity (ROE) | 11.5663% | 1,585 |
| Retained earnings to average equity (ytd only) | 11.5663% | 805 |
| Net charge-offs to loans | 0.0825% | 4,124 |
| Credit loss provision to net charge-offs | 328.1250% | 992 |
| Earnings coverage of net charge-offs (x) | 28.2969% | 863 |
| Efficiency ratio | 63.6491% | 5,419 |
| Assets per employee ($millions) | 4.4928% | 2,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9298% | 6,624 |
| Loan loss allowance to noncurrent loans | 279.0763% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.2385% | 6,579 |
| Noncurrent loans to loans | 0.3332% | 6,328 |
| Net loans and leases to total assets | 70.9283% | 1,945 |
| Net loans and leases to deposits | 79.0861% | 2,876 |
| Net loans and leases to core deposits | 93.7294% | 1,923 |
| Total domestic deposits to total assets | 89.6850% | 1,368 |
| Equity capital to assets | 8.6632% | 5,697 |
| Core capital (leverage) ratio | 8.6348% | 5,198 |
| Tier 1 risk-based capital ratio | 12.1809% | 5,527 |
| Total risk-based capital ratio | 13.1385% | 5,785 |
| Memoranda: | ||
| Average total assets | $433,541,000 | 1,531 |
| Average earning assets | $396,618,500 | 1,534 |
| Average equity | $37,834,000 | 1,760 |
| Average total loans | $310,329,000 | 1,405 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5883% | 1,941 |
| Cost of funding earning assets | 0.7992% | 6,576 |
| Net interest margin | 4.7890% | 675 |
| Noninterest income to average assets | 0.8153% | 2,201 |
| Noninterest expense to average assets | 3.3915% | 2,459 |
| Loan and lease loss provision to assets | 0.1871% | 5,359 |
| Net operating income to assets | 1.0077% | 2,016 |
| Return on assets (ROA) | 1.0632% | 1,916 |
| Pretax return on assets | 1.5570% | 1,220 |
| Return on Equity (ROE) | 11.4656% | 1,465 |
| Retained earnings to average equity (ytd only) | 11.4656% | 332 |
| Net charge-offs to loans | 0.0815% | 6,011 |
| Credit loss provision to net charge-offs | 320.0000% | 811 |
| Earnings coverage of net charge-offs (x) | 28.4311% | 761 |
| Efficiency ratio | 67.1055% | 4,746 |
| Assets per employee ($millions) | 4.3091% | 3,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9314% | 6,631 |
| Loan loss allowance to noncurrent loans | 635.4402% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.1191% | 6,939 |
| Noncurrent loans to loans | 0.1466% | 6,781 |
| Net loans and leases to total assets | 70.8988% | 2,332 |
| Net loans and leases to deposits | 79.3980% | 3,276 |
| Net loans and leases to core deposits | 92.0954% | 2,490 |
| Total domestic deposits to total assets | 89.2954% | 1,497 |
| Equity capital to assets | 8.7936% | 5,443 |
| Core capital (leverage) ratio | 9.0765% | 4,400 |
| Tier 1 risk-based capital ratio | 12.1699% | 5,315 |
| Total risk-based capital ratio | 13.1067% | 5,600 |
| Memoranda: | ||
| Average total assets | $384,786,400 | 1,706 |
| Average earning assets | $340,569,600 | 1,753 |
| Average equity | $35,680,800 | 1,855 |
| Average total loans | $276,198,800 | 1,616 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6865% | 1,755 |
| Cost of funding earning assets | 0.8081% | 6,735 |
| Net interest margin | 4.8784% | 575 |
| Noninterest income to average assets | 0.8197% | 2,128 |
| Noninterest expense to average assets | 3.3055% | 2,554 |
| Loan and lease loss provision to assets | 0.1918% | 5,128 |
| Net operating income to assets | 1.0629% | 2,025 |
| Return on assets (ROA) | 1.1365% | 1,887 |
| Pretax return on assets | 1.7154% | 1,088 |
| Return on Equity (ROE) | 12.0807% | 1,480 |
| Retained earnings to average equity (ytd only) | 12.0807% | 451 |
| Net charge-offs to loans | 0.0569% | 5,950 |
| Credit loss provision to net charge-offs | 469.5652% | 633 |
| Earnings coverage of net charge-offs (x) | 43.9650% | 638 |
| Efficiency ratio | 64.7984% | 5,091 |
| Assets per employee ($millions) | 4.1023% | 3,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 6,520 |
| Loan loss allowance to noncurrent loans | 491.9355% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.1569% | 6,966 |
| Noncurrent loans to loans | 0.1971% | 6,784 |
| Net loans and leases to total assets | 71.1834% | 2,440 |
| Net loans and leases to deposits | 80.3977% | 3,376 |
| Net loans and leases to core deposits | 95.8653% | 2,275 |
| Total domestic deposits to total assets | 88.5391% | 1,656 |
| Equity capital to assets | 9.4059% | 4,976 |
| Core capital (leverage) ratio | 9.3603% | 4,117 |
| Tier 1 risk-based capital ratio | 12.5176% | 4,963 |
| Total risk-based capital ratio | 13.4806% | 5,208 |
| Memoranda: | ||
| Average total assets | $375,409,250 | 1,777 |
| Average earning assets | $329,471,750 | 1,840 |
| Average equity | $35,317,250 | 1,896 |
| Average total loans | $269,694,250 | 1,669 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7141% | 1,711 |
| Cost of funding earning assets | 0.8073% | 6,885 |
| Net interest margin | 4.9068% | 529 |
| Noninterest income to average assets | 0.8184% | 2,026 |
| Noninterest expense to average assets | 3.3087% | 2,538 |
| Loan and lease loss provision to assets | 0.1950% | 4,930 |
| Net operating income to assets | 1.0663% | 1,960 |
| Return on assets (ROA) | 1.1785% | 1,681 |
| Pretax return on assets | 1.7808% | 922 |
| Return on Equity (ROE) | 12.5265% | 1,345 |
| Retained earnings to average equity (ytd only) | 12.5265% | 432 |
| Net charge-offs to loans | 0.0829% | 5,313 |
| Credit loss provision to net charge-offs | 327.2727% | 1,117 |
| Earnings coverage of net charge-offs (x) | 30.3091% | 914 |
| Efficiency ratio | 64.6934% | 5,206 |
| Assets per employee ($millions) | 3.8918% | 3,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 6,623 |
| Loan loss allowance to noncurrent loans | 538.7841% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.1531% | 7,007 |
| Noncurrent loans to loans | 0.1749% | 6,902 |
| Net loans and leases to total assets | 72.2985% | 2,323 |
| Net loans and leases to deposits | 81.9544% | 3,280 |
| Net loans and leases to core deposits | 98.6556% | 2,157 |
| Total domestic deposits to total assets | 88.2180% | 1,873 |
| Equity capital to assets | 9.6223% | 4,513 |
| Core capital (leverage) ratio | 9.5334% | 3,773 |
| Tier 1 risk-based capital ratio | 12.5841% | 4,781 |
| Total risk-based capital ratio | 13.5173% | 5,036 |
| Memoranda: | ||
| Average total assets | $369,273,000 | 1,813 |
| Average earning assets | $323,304,330 | 1,875 |
| Average equity | $34,742,330 | 1,922 |
| Average total loans | $265,233,000 | 1,711 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7793% | 1,527 |
| Cost of funding earning assets | 0.7983% | 7,095 |
| Net interest margin | 4.9811% | 435 |
| Noninterest income to average assets | 1.2215% | 821 |
| Noninterest expense to average assets | 3.3244% | 2,452 |
| Loan and lease loss provision to assets | 0.1961% | 4,539 |
| Net operating income to assets | 1.3544% | 1,177 |
| Return on assets (ROA) | 1.3544% | 1,243 |
| Pretax return on assets | 2.0387% | 569 |
| Return on Equity (ROE) | 14.5642% | 946 |
| Retained earnings to average equity (ytd only) | 14.5642% | 448 |
| Net charge-offs to loans | -0.0138% | 6,978 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8001% | 6,213 |
| Assets per employee ($millions) | 3.6888% | 4,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9563% | 6,651 |
| Loan loss allowance to noncurrent loans | 437.8709% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.1624% | 7,070 |
| Noncurrent loans to loans | 0.2184% | 6,900 |
| Net loans and leases to total assets | 71.1604% | 2,662 |
| Net loans and leases to deposits | 81.8568% | 3,306 |
| Net loans and leases to core deposits | 100.3278% | 2,096 |
| Total domestic deposits to total assets | 86.9328% | 2,665 |
| Equity capital to assets | 9.4981% | 4,535 |
| Core capital (leverage) ratio | 9.2559% | 4,127 |
| Tier 1 risk-based capital ratio | 12.5668% | 4,675 |
| Total risk-based capital ratio | 13.5018% | 4,915 |
| Memoranda: | ||
| Average total assets | $367,103,500 | 1,865 |
| Average earning assets | $319,690,000 | 1,951 |
| Average equity | $34,138,500 | 1,979 |
| Average total loans | $261,506,500 | 1,793 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7061% | 3,076 |
| Cost of funding earning assets | 0.9116% | 7,381 |
| Net interest margin | 4.7945% | 703 |
| Noninterest income to average assets | 0.8975% | 1,951 |
| Noninterest expense to average assets | 3.4705% | 2,452 |
| Loan and lease loss provision to assets | 0.2118% | 5,648 |
| Net operating income to assets | 0.9845% | 1,891 |
| Return on assets (ROA) | 0.9845% | 1,946 |
| Pretax return on assets | 1.4758% | 1,249 |
| Return on Equity (ROE) | 10.9443% | 1,442 |
| Retained earnings to average equity (ytd only) | 10.9443% | 285 |
| Net charge-offs to loans | 0.0931% | 6,195 |
| Credit loss provision to net charge-offs | 315.7895% | 1,032 |
| Earnings coverage of net charge-offs (x) | 25.1623% | 884 |
| Efficiency ratio | 67.2826% | 5,133 |
| Assets per employee ($millions) | 3.6536% | 4,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 6,857 |
| Loan loss allowance to noncurrent loans | 148.8133% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.4279% | 6,394 |
| Noncurrent loans to loans | 0.5982% | 6,045 |
| Net loans and leases to total assets | 70.0004% | 3,258 |
| Net loans and leases to deposits | 80.9242% | 3,814 |
| Net loans and leases to core deposits | 112.5125% | 2,642 |
| Total domestic deposits to total assets | 86.5012% | 2,764 |
| Equity capital to assets | 9.1028% | 4,985 |
| Core capital (leverage) ratio | 9.2954% | 3,983 |
| Tier 1 risk-based capital ratio | 12.0787% | 4,873 |
| Total risk-based capital ratio | 12.9415% | 5,165 |
| Memoranda: | ||
| Average total assets | $339,955,200 | 2,004 |
| Average earning assets | $302,098,600 | 2,057 |
| Average equity | $30,582,200 | 2,191 |
| Average total loans | $244,800,000 | 1,923 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6742% | 3,455 |
| Cost of funding earning assets | 0.9446% | 7,492 |
| Net interest margin | 4.7296% | 790 |
| Noninterest income to average assets | 0.9326% | 1,846 |
| Noninterest expense to average assets | 3.4105% | 2,546 |
| Loan and lease loss provision to assets | 0.2164% | 5,254 |
| Net operating income to assets | 1.0344% | 1,954 |
| Return on assets (ROA) | 1.0344% | 2,015 |
| Pretax return on assets | 1.5558% | 1,271 |
| Return on Equity (ROE) | 11.5362% | 1,479 |
| Retained earnings to average equity (ytd only) | 11.5362% | 407 |
| Net charge-offs to loans | 0.0310% | 6,456 |
| Credit loss provision to net charge-offs | 964.2857% | 388 |
| Earnings coverage of net charge-offs (x) | 78.9693% | 427 |
| Efficiency ratio | 65.8058% | 5,402 |
| Assets per employee ($millions) | 3.6968% | 4,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8926% | 6,788 |
| Loan loss allowance to noncurrent loans | 201.3937% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3375% | 6,638 |
| Noncurrent loans to loans | 0.4432% | 6,439 |
| Net loans and leases to total assets | 75.4760% | 2,104 |
| Net loans and leases to deposits | 92.6399% | 2,129 |
| Net loans and leases to core deposits | 124.9780% | 1,818 |
| Total domestic deposits to total assets | 81.4724% | 4,889 |
| Equity capital to assets | 9.2989% | 5,037 |
| Core capital (leverage) ratio | 9.2156% | 4,311 |
| Tier 1 risk-based capital ratio | 11.8870% | 5,075 |
| Total risk-based capital ratio | 12.7967% | 5,332 |
| Memoranda: | ||
| Average total assets | $332,689,500 | 2,059 |
| Average earning assets | $298,961,750 | 2,099 |
| Average equity | $29,830,000 | 2,267 |
| Average total loans | $240,841,500 | 1,965 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6643% | 3,744 |
| Cost of funding earning assets | 1.0030% | 7,549 |
| Net interest margin | 4.6613% | 854 |
| Noninterest income to average assets | 0.9388% | 1,803 |
| Noninterest expense to average assets | 3.2996% | 2,963 |
| Loan and lease loss provision to assets | 0.2180% | 4,861 |
| Net operating income to assets | 1.0617% | 1,909 |
| Return on assets (ROA) | 1.0617% | 1,984 |
| Pretax return on assets | 1.5953% | 1,212 |
| Return on Equity (ROE) | 11.9940% | 1,412 |
| Retained earnings to average equity (ytd only) | 11.9940% | 444 |
| Net charge-offs to loans | 0.0290% | 6,066 |
| Credit loss provision to net charge-offs | 1,058.8235% | 469 |
| Earnings coverage of net charge-offs (x) | 88.0588% | 435 |
| Efficiency ratio | 64.5345% | 5,798 |
| Assets per employee ($millions) | 3.5958% | 4,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8720% | 6,895 |
| Loan loss allowance to noncurrent loans | 1,055.8824% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 7,439 |
| Noncurrent loans to loans | 0.0826% | 7,320 |
| Net loans and leases to total assets | 74.8361% | 2,486 |
| Net loans and leases to deposits | 89.8225% | 2,862 |
| Net loans and leases to core deposits | 124.6608% | 1,968 |
| Total domestic deposits to total assets | 83.3156% | 4,102 |
| Equity capital to assets | 9.2102% | 5,001 |
| Core capital (leverage) ratio | 9.1135% | 4,436 |
| Tier 1 risk-based capital ratio | 11.8770% | 5,018 |
| Total risk-based capital ratio | 12.7476% | 5,303 |
| Memoranda: | ||
| Average total assets | $330,218,330 | 2,099 |
| Average earning assets | $295,714,000 | 2,142 |
| Average equity | $29,231,330 | 2,324 |
| Average total loans | $234,786,000 | 2,046 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5330% | 4,737 |
| Cost of funding earning assets | 1.0294% | 7,628 |
| Net interest margin | 4.5036% | 1,119 |
| Noninterest income to average assets | 0.8778% | 1,940 |
| Noninterest expense to average assets | 3.1569% | 3,162 |
| Loan and lease loss provision to assets | 0.2171% | 4,279 |
| Net operating income to assets | 1.0105% | 2,267 |
| Return on assets (ROA) | 1.0105% | 2,407 |
| Pretax return on assets | 1.5133% | 1,629 |
| Return on Equity (ROE) | 11.6476% | 1,772 |
| Retained earnings to average equity (ytd only) | 11.6476% | 858 |
| Net charge-offs to loans | 0.0192% | 5,297 |
| Credit loss provision to net charge-offs | 1,636.3636% | 378 |
| Earnings coverage of net charge-offs (x) | 130.4545% | 334 |
| Efficiency ratio | 64.5941% | 5,577 |
| Assets per employee ($millions) | 3.6938% | 4,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8445% | 6,993 |
| Loan loss allowance to noncurrent loans | 578.8406% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 6,634 |
| Noncurrent loans to loans | 0.1459% | 7,101 |
| Net loans and leases to total assets | 72.9643% | 3,011 |
| Net loans and leases to deposits | 85.8317% | 3,663 |
| Net loans and leases to core deposits | 119.7021% | 2,443 |
| Total domestic deposits to total assets | 85.0086% | 3,200 |
| Equity capital to assets | 9.1269% | 5,188 |
| Core capital (leverage) ratio | 9.0553% | 4,615 |
| Tier 1 risk-based capital ratio | 11.9140% | 5,031 |
| Total risk-based capital ratio | 12.7497% | 5,309 |
| Memoranda: | ||
| Average total assets | $331,720,000 | 2,102 |
| Average earning assets | $295,320,000 | 2,149 |
| Average equity | $28,778,500 | 2,363 |
| Average total loans | $228,664,500 | 2,110 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2071% | 4,480 |
| Cost of funding earning assets | 1.7108% | 7,235 |
| Net interest margin | 4.4963% | 1,433 |
| Noninterest income to average assets | 1.0470% | 1,435 |
| Noninterest expense to average assets | 3.4213% | 2,607 |
| Loan and lease loss provision to assets | 0.1530% | 5,404 |
| Net operating income to assets | 1.0108% | 2,506 |
| Return on assets (ROA) | 1.0376% | 2,296 |
| Pretax return on assets | 1.5047% | 1,672 |
| Return on Equity (ROE) | 12.2620% | 1,532 |
| Retained earnings to average equity (ytd only) | 12.2620% | 211 |
| Net charge-offs to loans | 0.1145% | 5,117 |
| Credit loss provision to net charge-offs | 197.4790% | 2,477 |
| Earnings coverage of net charge-offs (x) | 20.8950% | 1,556 |
| Efficiency ratio | 67.8788% | 4,744 |
| Assets per employee ($millions) | 3.9777% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8277% | 6,991 |
| Loan loss allowance to noncurrent loans | 2,856.2500% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.2596% | 6,542 |
| Noncurrent loans to loans | 0.0290% | 7,393 |
| Net loans and leases to total assets | 64.0277% | 5,266 |
| Net loans and leases to deposits | 74.2657% | 5,817 |
| Net loans and leases to core deposits | 96.9404% | 5,157 |
| Total domestic deposits to total assets | 86.2145% | 2,306 |
| Equity capital to assets | 8.2515% | 6,480 |
| Core capital (leverage) ratio | 9.0027% | 4,738 |
| Tier 1 risk-based capital ratio | 11.7021% | 5,057 |
| Total risk-based capital ratio | 12.4762% | 5,397 |
| Memoranda: | ||
| Average total assets | $307,164,000 | 2,167 |
| Average earning assets | $272,802,400 | 2,215 |
| Average equity | $25,990,800 | 2,562 |
| Average total loans | $207,918,800 | 2,224 |