Home > Citizens National Bank of Albion > Performance and Condition Ratios
Citizens National Bank of Albion, 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 | 4.0190% | 3,938 |
| Cost of funding earning assets | 1.0973% | 3,074 |
| Net interest margin | 2.9216% | 3,438 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.0699% | 3,471 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.8074% | 2,846 |
| Return on assets (ROA) | 0.8072% | 2,826 |
| Pretax return on assets | 1.0127% | 2,643 |
| Return on Equity (ROE) | 5.3000% | 3,671 |
| Retained earnings to average equity (ytd only) | 1.4456% | 3,725 |
| Net charge-offs to loans | 0.1599% | 655 |
| Credit loss provision to net charge-offs | 51.5759% | 2,184 |
| Earnings coverage of net charge-offs (x) | 10.4155% | 2,240 |
| Efficiency ratio | 65.8252% | 2,378 |
| Assets per employee ($millions) | 6.4577% | 2,446 |
| Cash dividends to net income (ytd only)* | 72.7207% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 1,716 |
| Loan loss allowance to noncurrent loans | 330.2072% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.2679% | 1,886 |
| Noncurrent loans to loans | 0.3971% | 1,792 |
| Net loans and leases to total assets | 66.5900% | 2,189 |
| Net loans and leases to deposits | 80.4107% | 2,068 |
| Net loans and leases to core deposits | 89.1426% | 2,109 |
| Total domestic deposits to total assets | 82.8100% | 2,936 |
| Equity capital to assets | 15.4146% | 518 |
| Core capital (leverage) ratio | 16.3753% | 443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2939% | 405 |
| Memoranda: | ||
| Average total assets | $341,076,200 | 2,228 |
| Average earning assets | $319,683,200 | 2,206 |
| Average equity | $51,949,200 | 1,557 |
| Average total loans | $218,237,200 | 2,175 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9167% | 3,976 |
| Cost of funding earning assets | 1.0052% | 3,019 |
| Net interest margin | 2.9116% | 3,520 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 1.9989% | 3,598 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.8474% | 2,870 |
| Return on assets (ROA) | 0.8471% | 2,854 |
| Pretax return on assets | 1.0685% | 2,662 |
| Return on Equity (ROE) | 5.5800% | 3,718 |
| Retained earnings to average equity (ytd only) | 4.5425% | 3,087 |
| Net charge-offs to loans | 0.1866% | 469 |
| Credit loss provision to net charge-offs | 44.8505% | 1,918 |
| Earnings coverage of net charge-offs (x) | 9.5249% | 2,162 |
| Efficiency ratio | 63.8039% | 2,520 |
| Assets per employee ($millions) | 6.1896% | 2,580 |
| Cash dividends to net income (ytd only)* | 18.5681% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3717% | 1,572 |
| Loan loss allowance to noncurrent loans | 469.9225% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.1930% | 2,308 |
| Noncurrent loans to loans | 0.2919% | 2,187 |
| Net loans and leases to total assets | 65.2000% | 2,322 |
| Net loans and leases to deposits | 78.8834% | 2,157 |
| Net loans and leases to core deposits | 84.1241% | 2,319 |
| Total domestic deposits to total assets | 82.6600% | 3,077 |
| Equity capital to assets | 15.5534% | 487 |
| Core capital (leverage) ratio | 16.9425% | 413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5869% | 362 |
| Memoranda: | ||
| Average total assets | $340,780,500 | 2,234 |
| Average earning assets | $319,408,500 | 2,213 |
| Average equity | $51,747,000 | 1,552 |
| Average total loans | $215,060,250 | 2,195 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8065% | 4,009 |
| Cost of funding earning assets | 0.8936% | 2,945 |
| Net interest margin | 2.9129% | 3,624 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 1.9693% | 3,659 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.8904% | 2,792 |
| Return on assets (ROA) | 0.8899% | 2,778 |
| Pretax return on assets | 1.1284% | 2,568 |
| Return on Equity (ROE) | 5.9100% | 3,710 |
| Retained earnings to average equity (ytd only) | 4.3509% | 3,115 |
| Net charge-offs to loans | 0.0094% | 1,853 |
| Credit loss provision to net charge-offs | 900.0000% | 440 |
| Earnings coverage of net charge-offs (x) | 202.6000% | 599 |
| Efficiency ratio | 62.1321% | 2,698 |
| Assets per employee ($millions) | 6.0912% | 2,634 |
| Cash dividends to net income (ytd only)* | 26.3434% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 1,080 |
| Loan loss allowance to noncurrent loans | 245.2844% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.3988% | 1,336 |
| Noncurrent loans to loans | 0.6246% | 1,197 |
| Net loans and leases to total assets | 62.8600% | 2,492 |
| Net loans and leases to deposits | 75.9721% | 2,317 |
| Net loans and leases to core deposits | 79.3925% | 2,516 |
| Total domestic deposits to total assets | 82.7500% | 3,099 |
| Equity capital to assets | 15.4764% | 480 |
| Core capital (leverage) ratio | 16.6867% | 413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8651% | 360 |
| Memoranda: | ||
| Average total assets | $342,962,000 | 2,230 |
| Average earning assets | $322,083,000 | 2,215 |
| Average equity | $51,667,667 | 1,558 |
| Average total loans | $213,091,333 | 2,200 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6869% | 4,043 |
| Cost of funding earning assets | 0.7874% | 2,777 |
| Net interest margin | 2.8995% | 3,793 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 1.9554% | 3,725 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.8832% | 2,908 |
| Return on assets (ROA) | 0.8832% | 2,864 |
| Pretax return on assets | 1.1207% | 2,656 |
| Return on Equity (ROE) | 5.9400% | 3,724 |
| Retained earnings to average equity (ytd only) | 5.9251% | 2,782 |
| Net charge-offs to loans | -0.0056% | 3,675 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.0715% | 2,686 |
| Assets per employee ($millions) | 6.5278% | 2,320 |
| Cash dividends to net income (ytd only)* | 0.2611% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5527% | 1,112 |
| Loan loss allowance to noncurrent loans | 218.0780% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.4301% | 1,199 |
| Noncurrent loans to loans | 0.7120% | 1,070 |
| Net loans and leases to total assets | 59.4700% | 2,717 |
| Net loans and leases to deposits | 70.1835% | 2,594 |
| Net loans and leases to core deposits | 72.8637% | 2,754 |
| Total domestic deposits to total assets | 84.7300% | 2,923 |
| Equity capital to assets | 15.0529% | 479 |
| Core capital (leverage) ratio | 16.1119% | 458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0581% | 352 |
| Memoranda: | ||
| Average total assets | $346,936,000 | 2,247 |
| Average earning assets | $326,126,500 | 2,229 |
| Average equity | $51,577,500 | 1,575 |
| Average total loans | $212,697,000 | 2,225 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1437% | 3,915 |
| Cost of funding earning assets | 0.3830% | 2,237 |
| Net interest margin | 2.7607% | 3,958 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 1.8985% | 3,822 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.7808% | 3,395 |
| Return on assets (ROA) | 0.7806% | 3,328 |
| Pretax return on assets | 0.9880% | 3,106 |
| Return on Equity (ROE) | 5.1700% | 3,988 |
| Retained earnings to average equity (ytd only) | 1.3926% | 4,123 |
| Net charge-offs to loans | 0.0292% | 1,479 |
| Credit loss provision to net charge-offs | 488.1356% | 690 |
| Earnings coverage of net charge-offs (x) | 63.6780% | 1,209 |
| Efficiency ratio | 63.4968% | 2,568 |
| Assets per employee ($millions) | 6.5641% | 2,285 |
| Cash dividends to net income (ytd only)* | 73.0657% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 1,726 |
| Loan loss allowance to noncurrent loans | 204.0141% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.4125% | 1,248 |
| Noncurrent loans to loans | 0.6562% | 1,136 |
| Net loans and leases to total assets | 61.3700% | 2,506 |
| Net loans and leases to deposits | 72.0903% | 2,401 |
| Net loans and leases to core deposits | 74.6935% | 2,522 |
| Total domestic deposits to total assets | 85.1300% | 2,961 |
| Equity capital to assets | 14.6813% | 506 |
| Core capital (leverage) ratio | 15.6247% | 499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2124% | 361 |
| Memoranda: | ||
| Average total assets | $351,021,200 | 2,223 |
| Average earning assets | $333,394,200 | 2,184 |
| Average equity | $52,994,200 | 1,542 |
| Average total loans | $201,857,400 | 2,214 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0027% | 3,885 |
| Cost of funding earning assets | 0.3178% | 1,985 |
| Net interest margin | 2.6850% | 3,960 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 1.8260% | 3,929 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.7738% | 3,343 |
| Return on assets (ROA) | 0.7735% | 3,300 |
| Pretax return on assets | 0.9823% | 3,068 |
| Return on Equity (ROE) | 5.0900% | 3,963 |
| Retained earnings to average equity (ytd only) | 4.0866% | 3,411 |
| Net charge-offs to loans | 0.0175% | 1,493 |
| Credit loss provision to net charge-offs | 830.7692% | 459 |
| Earnings coverage of net charge-offs (x) | 108.0385% | 910 |
| Efficiency ratio | 62.7114% | 2,735 |
| Assets per employee ($millions) | 6.2546% | 2,535 |
| Cash dividends to net income (ytd only)* | 19.6962% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4118% | 1,572 |
| Loan loss allowance to noncurrent loans | 256.0932% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.3311% | 1,614 |
| Noncurrent loans to loans | 0.5513% | 1,442 |
| Net loans and leases to total assets | 58.0200% | 2,696 |
| Net loans and leases to deposits | 68.3633% | 2,508 |
| Net loans and leases to core deposits | 70.5823% | 2,598 |
| Total domestic deposits to total assets | 84.8600% | 3,317 |
| Equity capital to assets | 14.9569% | 456 |
| Core capital (leverage) ratio | 15.8982% | 462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8164% | 320 |
| Memoranda: | ||
| Average total assets | $351,802,000 | 2,233 |
| Average earning assets | $335,240,250 | 2,190 |
| Average equity | $53,473,750 | 1,551 |
| Average total loans | $198,220,250 | 2,242 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8579% | 3,877 |
| Cost of funding earning assets | 0.3079% | 1,652 |
| Net interest margin | 2.5500% | 4,002 |
| Noninterest income to average assets | 0.3194% | 3,261 |
| Noninterest expense to average assets | 1.8059% | 3,935 |
| Loan and lease loss provision to assets | 0.0813% | 1,209 |
| Net operating income to assets | 0.6906% | 3,335 |
| Return on assets (ROA) | 0.6902% | 3,292 |
| Pretax return on assets | 0.8713% | 3,143 |
| Return on Equity (ROE) | 4.5173% | 3,906 |
| Retained earnings to average equity (ytd only) | 3.0324% | 3,435 |
| Net charge-offs to loans | -0.0457% | 4,204 |
| Credit loss provision to net charge-offs | -320.0000% | 3,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9622% | 2,642 |
| Assets per employee ($millions) | 6.3208% | 2,465 |
| Cash dividends to net income (ytd only)* | 32.8700% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4411% | 1,590 |
| Loan loss allowance to noncurrent loans | 246.2931% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.3834% | 1,467 |
| Noncurrent loans to loans | 0.5851% | 1,445 |
| Net loans and leases to total assets | 55.2007% | 2,833 |
| Net loans and leases to deposits | 65.0224% | 2,639 |
| Net loans and leases to core deposits | 67.1890% | 2,723 |
| Total domestic deposits to total assets | 84.8948% | 3,502 |
| Equity capital to assets | 14.6483% | 443 |
| Core capital (leverage) ratio | 15.5300% | 419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2641% | 284 |
| Memoranda: | ||
| Average total assets | $354,402,000 | 2,229 |
| Average earning assets | $339,055,333 | 2,189 |
| Average equity | $54,147,667 | 1,575 |
| Average total loans | $196,816,667 | 2,253 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7112% | 3,927 |
| Cost of funding earning assets | 0.3114% | 1,544 |
| Net interest margin | 2.3998% | 4,067 |
| Noninterest income to average assets | 0.3192% | 3,188 |
| Noninterest expense to average assets | 1.7698% | 4,016 |
| Loan and lease loss provision to assets | 0.0812% | 1,008 |
| Net operating income to assets | 0.6125% | 3,359 |
| Return on assets (ROA) | 0.6125% | 3,340 |
| Pretax return on assets | 0.7715% | 3,196 |
| Return on Equity (ROE) | 3.9279% | 3,893 |
| Retained earnings to average equity (ytd only) | 3.9134% | 2,964 |
| Net charge-offs to loans | -0.0796% | 4,398 |
| Credit loss provision to net charge-offs | -184.6154% | 2,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3118% | 2,591 |
| Assets per employee ($millions) | 6.0119% | 2,799 |
| Cash dividends to net income (ytd only)* | 0.3683% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4500% | 1,714 |
| Loan loss allowance to noncurrent loans | 133.9923% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.6876% | 828 |
| Noncurrent loans to loans | 1.0821% | 829 |
| Net loans and leases to total assets | 53.2504% | 2,851 |
| Net loans and leases to deposits | 63.1367% | 2,609 |
| Net loans and leases to core deposits | 65.2357% | 2,700 |
| Total domestic deposits to total assets | 84.3414% | 3,693 |
| Equity capital to assets | 15.2605% | 372 |
| Core capital (leverage) ratio | 15.6266% | 377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6694% | 248 |
| Memoranda: | ||
| Average total assets | $354,620,500 | 2,237 |
| Average earning assets | $340,364,000 | 2,185 |
| Average equity | $55,296,500 | 1,589 |
| Average total loans | $196,101,000 | 2,255 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8990% | 4,055 |
| Cost of funding earning assets | 0.4125% | 1,454 |
| Net interest margin | 2.4864% | 4,210 |
| Noninterest income to average assets | 0.6011% | 2,152 |
| Noninterest expense to average assets | 1.8625% | 4,017 |
| Loan and lease loss provision to assets | 0.0840% | 1,458 |
| Net operating income to assets | 0.8095% | 3,307 |
| Return on assets (ROA) | 0.8112% | 3,371 |
| Pretax return on assets | 1.0501% | 3,127 |
| Return on Equity (ROE) | 4.8653% | 4,024 |
| Retained earnings to average equity (ytd only) | 1.3616% | 4,156 |
| Net charge-offs to loans | 0.0320% | 1,595 |
| Credit loss provision to net charge-offs | 450.0000% | 854 |
| Earnings coverage of net charge-offs (x) | 60.6250% | 1,166 |
| Efficiency ratio | 61.7363% | 2,907 |
| Assets per employee ($millions) | 6.2200% | 2,554 |
| Cash dividends to net income (ytd only)* | 72.0144% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3304% | 2,236 |
| Loan loss allowance to noncurrent loans | 134.8837% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.6609% | 983 |
| Noncurrent loans to loans | 0.9863% | 1,007 |
| Net loans and leases to total assets | 55.8119% | 2,644 |
| Net loans and leases to deposits | 66.7060% | 2,440 |
| Net loans and leases to core deposits | 68.5389% | 2,603 |
| Total domestic deposits to total assets | 83.6685% | 3,644 |
| Equity capital to assets | 15.9259% | 392 |
| Core capital (leverage) ratio | 15.7233% | 386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3602% | 296 |
| Memoranda: | ||
| Average total assets | $342,717,800 | 2,229 |
| Average earning assets | $329,910,000 | 2,189 |
| Average equity | $57,139,200 | 1,577 |
| Average total loans | $199,717,000 | 2,235 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9263% | 4,124 |
| Cost of funding earning assets | 0.4381% | 1,434 |
| Net interest margin | 2.4882% | 4,297 |
| Noninterest income to average assets | 0.6907% | 1,856 |
| Noninterest expense to average assets | 1.8220% | 4,119 |
| Loan and lease loss provision to assets | 0.0848% | 1,413 |
| Net operating income to assets | 0.9037% | 3,238 |
| Return on assets (ROA) | 0.9037% | 3,313 |
| Pretax return on assets | 1.1800% | 2,991 |
| Return on Equity (ROE) | 5.3580% | 4,050 |
| Retained earnings to average equity (ytd only) | 4.4228% | 3,437 |
| Net charge-offs to loans | 0.0194% | 1,664 |
| Credit loss provision to net charge-offs | 744.8276% | 621 |
| Earnings coverage of net charge-offs (x) | 111.1379% | 812 |
| Efficiency ratio | 58.5812% | 3,187 |
| Assets per employee ($millions) | 5.9069% | 2,784 |
| Cash dividends to net income (ytd only)* | 17.4555% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3385% | 2,285 |
| Loan loss allowance to noncurrent loans | 102.1748% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 0.8346% | 838 |
| Noncurrent loans to loans | 1.3100% | 821 |
| Net loans and leases to total assets | 57.5997% | 2,548 |
| Net loans and leases to deposits | 70.0449% | 2,240 |
| Net loans and leases to core deposits | 72.4107% | 2,392 |
| Total domestic deposits to total assets | 82.2326% | 3,878 |
| Equity capital to assets | 17.2898% | 321 |
| Core capital (leverage) ratio | 16.6852% | 339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.7309% | 282 |
| Memoranda: | ||
| Average total assets | $339,762,000 | 2,267 |
| Average earning assets | $327,183,250 | 2,217 |
| Average equity | $57,308,000 | 1,595 |
| Average total loans | $199,510,250 | 2,275 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9362% | 4,166 |
| Cost of funding earning assets | 0.4706% | 1,377 |
| Net interest margin | 2.4656% | 4,346 |
| Noninterest income to average assets | 0.8081% | 1,516 |
| Noninterest expense to average assets | 1.8070% | 4,169 |
| Loan and lease loss provision to assets | 0.0845% | 1,450 |
| Net operating income to assets | 0.9824% | 2,950 |
| Return on assets (ROA) | 0.9824% | 3,040 |
| Pretax return on assets | 1.2906% | 2,660 |
| Return on Equity (ROE) | 5.8731% | 3,933 |
| Retained earnings to average equity (ytd only) | 4.4627% | 3,372 |
| Net charge-offs to loans | 0.0279% | 1,393 |
| Credit loss provision to net charge-offs | 514.2857% | 670 |
| Earnings coverage of net charge-offs (x) | 83.6786% | 821 |
| Efficiency ratio | 56.3445% | 3,500 |
| Assets per employee ($millions) | 5.3285% | 3,314 |
| Cash dividends to net income (ytd only)* | 24.0143% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 2,470 |
| Loan loss allowance to noncurrent loans | 96.0600% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 0.7844% | 1,039 |
| Noncurrent loans to loans | 1.3467% | 867 |
| Net loans and leases to total assets | 57.2788% | 2,753 |
| Net loans and leases to deposits | 70.0258% | 2,403 |
| Net loans and leases to core deposits | 72.4128% | 2,571 |
| Total domestic deposits to total assets | 81.7966% | 3,960 |
| Equity capital to assets | 16.8513% | 337 |
| Core capital (leverage) ratio | 15.9993% | 375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.0221% | 274 |
| Memoranda: | ||
| Average total assets | $340,784,000 | 2,251 |
| Average earning assets | $328,114,333 | 2,201 |
| Average equity | $57,006,000 | 1,598 |
| Average total loans | $200,491,333 | 2,274 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0297% | 4,021 |
| Cost of funding earning assets | 0.5098% | 1,330 |
| Net interest margin | 2.5198% | 4,267 |
| Noninterest income to average assets | 0.7397% | 1,745 |
| Noninterest expense to average assets | 1.7472% | 4,296 |
| Loan and lease loss provision to assets | 0.0845% | 1,545 |
| Net operating income to assets | 1.0086% | 2,785 |
| Return on assets (ROA) | 1.0086% | 2,873 |
| Pretax return on assets | 1.3280% | 2,492 |
| Return on Equity (ROE) | 6.0519% | 3,846 |
| Retained earnings to average equity (ytd only) | 6.0378% | 2,884 |
| Net charge-offs to loans | -0.0357% | 4,254 |
| Credit loss provision to net charge-offs | -400.0000% | 3,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8495% | 3,695 |
| Assets per employee ($millions) | 5.8365% | 2,756 |
| Cash dividends to net income (ytd only)* | 0.2328% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2929% | 2,474 |
| Loan loss allowance to noncurrent loans | 83.5476% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 0.8690% | 1,015 |
| Noncurrent loans to loans | 1.5475% | 800 |
| Net loans and leases to total assets | 55.2438% | 3,125 |
| Net loans and leases to deposits | 67.9591% | 2,710 |
| Net loans and leases to core deposits | 70.3196% | 2,841 |
| Total domestic deposits to total assets | 81.2898% | 4,016 |
| Equity capital to assets | 16.2510% | 367 |
| Core capital (leverage) ratio | 16.3082% | 359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.1635% | 291 |
| Memoranda: | ||
| Average total assets | $340,663,500 | 2,235 |
| Average earning assets | $327,165,000 | 2,185 |
| Average equity | $56,775,500 | 1,590 |
| Average total loans | $201,789,500 | 2,274 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6112% | 3,782 |
| Cost of funding earning assets | 0.7321% | 1,555 |
| Net interest margin | 2.8791% | 4,146 |
| Noninterest income to average assets | 0.4642% | 2,796 |
| Noninterest expense to average assets | 1.9478% | 4,234 |
| Loan and lease loss provision to assets | 0.4282% | 680 |
| Net operating income to assets | 0.6727% | 3,513 |
| Return on assets (ROA) | 0.6913% | 3,596 |
| Pretax return on assets | 0.8766% | 3,435 |
| Return on Equity (ROE) | 3.9367% | 4,176 |
| Retained earnings to average equity (ytd only) | 0.4076% | 4,394 |
| Net charge-offs to loans | 0.8858% | 156 |
| Credit loss provision to net charge-offs | 72.8903% | 3,032 |
| Earnings coverage of net charge-offs (x) | 2.1809% | 3,190 |
| Efficiency ratio | 59.8695% | 3,480 |
| Assets per employee ($millions) | 5.8095% | 2,535 |
| Cash dividends to net income (ytd only)* | 89.6459% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1773% | 3,068 |
| Loan loss allowance to noncurrent loans | 69.4515% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 1.2324% | 688 |
| Noncurrent loans to loans | 1.6952% | 754 |
| Net loans and leases to total assets | 61.9510% | 2,621 |
| Net loans and leases to deposits | 77.1775% | 2,156 |
| Net loans and leases to core deposits | 79.8015% | 2,385 |
| Total domestic deposits to total assets | 80.2708% | 4,004 |
| Equity capital to assets | 17.1052% | 326 |
| Core capital (leverage) ratio | 16.4409% | 353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2128% | 343 |
| Memoranda: | ||
| Average total assets | $322,730,200 | 2,175 |
| Average earning assets | $309,925,400 | 2,117 |
| Average equity | $56,672,200 | 1,510 |
| Average total loans | $214,047,400 | 2,142 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7101% | 3,781 |
| Cost of funding earning assets | 0.7741% | 1,614 |
| Net interest margin | 2.9359% | 4,117 |
| Noninterest income to average assets | 0.4978% | 2,622 |
| Noninterest expense to average assets | 1.9262% | 4,290 |
| Loan and lease loss provision to assets | 0.2242% | 1,808 |
| Net operating income to assets | 0.8994% | 2,709 |
| Return on assets (ROA) | 0.9227% | 2,750 |
| Pretax return on assets | 1.1985% | 2,396 |
| Return on Equity (ROE) | 5.2198% | 3,821 |
| Retained earnings to average equity (ytd only) | 4.2789% | 2,910 |
| Net charge-offs to loans | 0.5898% | 243 |
| Credit loss provision to net charge-offs | 56.4990% | 2,867 |
| Earnings coverage of net charge-offs (x) | 3.5115% | 2,907 |
| Efficiency ratio | 57.5921% | 3,722 |
| Assets per employee ($millions) | 5.0470% | 3,187 |
| Cash dividends to net income (ytd only)* | 18.0261% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1789% | 2,785 |
| Loan loss allowance to noncurrent loans | 55.7675% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 1.5826% | 518 |
| Noncurrent loans to loans | 2.1139% | 562 |
| Net loans and leases to total assets | 65.9958% | 2,519 |
| Net loans and leases to deposits | 83.3137% | 1,976 |
| Net loans and leases to core deposits | 85.9888% | 2,303 |
| Total domestic deposits to total assets | 79.2136% | 4,025 |
| Equity capital to assets | 18.0354% | 298 |
| Core capital (leverage) ratio | 17.4448% | 303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1153% | 359 |
| Memoranda: | ||
| Average total assets | $320,628,000 | 2,168 |
| Average earning assets | $308,127,750 | 2,108 |
| Average equity | $56,679,750 | 1,499 |
| Average total loans | $215,662,250 | 2,132 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8123% | 3,830 |
| Cost of funding earning assets | 0.8199% | 1,731 |
| Net interest margin | 2.9924% | 4,139 |
| Noninterest income to average assets | 0.5353% | 2,414 |
| Noninterest expense to average assets | 1.9510% | 4,327 |
| Loan and lease loss provision to assets | 0.1351% | 2,664 |
| Net operating income to assets | 1.0091% | 2,288 |
| Return on assets (ROA) | 1.0412% | 2,315 |
| Pretax return on assets | 1.3632% | 1,823 |
| Return on Equity (ROE) | 5.9301% | 3,536 |
| Retained earnings to average equity (ytd only) | 4.5054% | 2,703 |
| Net charge-offs to loans | 0.4711% | 337 |
| Credit loss provision to net charge-offs | 42.5197% | 2,661 |
| Earnings coverage of net charge-offs (x) | 4.5886% | 2,587 |
| Efficiency ratio | 56.7969% | 3,848 |
| Assets per employee ($millions) | 5.3868% | 2,750 |
| Cash dividends to net income (ytd only)* | 24.0240% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2284% | 2,361 |
| Loan loss allowance to noncurrent loans | 49.0886% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 1.7020% | 493 |
| Noncurrent loans to loans | 2.5024% | 467 |
| Net loans and leases to total assets | 66.3242% | 2,580 |
| Net loans and leases to deposits | 83.5228% | 2,043 |
| Net loans and leases to core deposits | 87.4291% | 2,310 |
| Total domestic deposits to total assets | 79.4084% | 3,953 |
| Equity capital to assets | 17.8354% | 314 |
| Core capital (leverage) ratio | 17.0085% | 350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8765% | 369 |
| Memoranda: | ||
| Average total assets | $319,834,000 | 2,147 |
| Average earning assets | $307,111,667 | 2,093 |
| Average equity | $56,154,333 | 1,498 |
| Average total loans | $215,644,333 | 2,122 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9706% | 3,873 |
| Cost of funding earning assets | 0.8571% | 2,077 |
| Net interest margin | 3.1134% | 4,062 |
| Noninterest income to average assets | 0.3344% | 3,523 |
| Noninterest expense to average assets | 1.9463% | 4,499 |
| Loan and lease loss provision to assets | 0.1358% | 2,025 |
| Net operating income to assets | 0.9435% | 2,364 |
| Return on assets (ROA) | 1.0071% | 2,258 |
| Pretax return on assets | 1.3151% | 1,828 |
| Return on Equity (ROE) | 5.7825% | 3,397 |
| Retained earnings to average equity (ytd only) | 5.7825% | 1,961 |
| Net charge-offs to loans | 0.1079% | 1,042 |
| Credit loss provision to net charge-offs | 186.2069% | 1,459 |
| Earnings coverage of net charge-offs (x) | 18.7931% | 1,456 |
| Efficiency ratio | 58.2259% | 3,970 |
| Assets per employee ($millions) | 5.2685% | 2,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4135% | 1,654 |
| Loan loss allowance to noncurrent loans | 47.4897% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 2.0297% | 407 |
| Noncurrent loans to loans | 2.9765% | 366 |
| Net loans and leases to total assets | 66.3667% | 2,772 |
| Net loans and leases to deposits | 83.6331% | 2,271 |
| Net loans and leases to core deposits | 89.3142% | 2,417 |
| Total domestic deposits to total assets | 79.3546% | 3,982 |
| Equity capital to assets | 17.5164% | 394 |
| Core capital (leverage) ratio | 17.4388% | 369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0649% | 388 |
| Memoranda: | ||
| Average total assets | $318,148,500 | 2,103 |
| Average earning assets | $304,743,500 | 2,049 |
| Average equity | $55,409,000 | 1,514 |
| Average total loans | $214,952,000 | 2,079 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1311% | 3,975 |
| Cost of funding earning assets | 0.8894% | 2,235 |
| Net interest margin | 3.2418% | 4,101 |
| Noninterest income to average assets | 0.3504% | 3,607 |
| Noninterest expense to average assets | 1.9942% | 4,542 |
| Loan and lease loss provision to assets | 0.1730% | 1,208 |
| Net operating income to assets | 0.9940% | 2,870 |
| Return on assets (ROA) | 1.0195% | 2,865 |
| Pretax return on assets | 1.3257% | 2,409 |
| Return on Equity (ROE) | 6.0348% | 3,906 |
| Retained earnings to average equity (ytd only) | 3.5341% | 3,234 |
| Net charge-offs to loans | 0.2982% | 702 |
| Credit loss provision to net charge-offs | 82.8869% | 2,756 |
| Earnings coverage of net charge-offs (x) | 7.0253% | 2,911 |
| Efficiency ratio | 57.2031% | 4,063 |
| Assets per employee ($millions) | 5.3365% | 2,211 |
| Cash dividends to net income (ytd only)* | 41.4381% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3625% | 1,657 |
| Loan loss allowance to noncurrent loans | 45.1121% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 2.0516% | 372 |
| Noncurrent loans to loans | 3.0202% | 310 |
| Net loans and leases to total assets | 66.8816% | 2,851 |
| Net loans and leases to deposits | 84.0791% | 2,323 |
| Net loans and leases to core deposits | 89.8245% | 2,443 |
| Total domestic deposits to total assets | 79.5461% | 4,063 |
| Equity capital to assets | 17.3170% | 427 |
| Core capital (leverage) ratio | 16.5876% | 460 |
| Tier 1 risk-based capital ratio | 23.8294% | 847 |
| Total risk-based capital ratio | 25.0804% | 831 |
| Memoranda: | ||
| Average total assets | $321,931,400 | 2,024 |
| Average earning assets | $308,873,800 | 1,972 |
| Average equity | $54,384,200 | 1,485 |
| Average total loans | $225,339,000 | 1,986 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1498% | 4,041 |
| Cost of funding earning assets | 0.8836% | 2,302 |
| Net interest margin | 3.2663% | 4,153 |
| Noninterest income to average assets | 0.3358% | 3,726 |
| Noninterest expense to average assets | 1.9464% | 4,654 |
| Loan and lease loss provision to assets | 0.1340% | 1,433 |
| Net operating income to assets | 1.0634% | 2,719 |
| Return on assets (ROA) | 1.0898% | 2,705 |
| Pretax return on assets | 1.4232% | 2,212 |
| Return on Equity (ROE) | 6.4918% | 3,885 |
| Retained earnings to average equity (ytd only) | 5.5014% | 2,624 |
| Net charge-offs to loans | 0.0950% | 1,526 |
| Credit loss provision to net charge-offs | 200.0000% | 1,306 |
| Earnings coverage of net charge-offs (x) | 22.7412% | 1,856 |
| Efficiency ratio | 55.6734% | 4,198 |
| Assets per employee ($millions) | 5.2268% | 2,310 |
| Cash dividends to net income (ytd only)* | 15.2562% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4795% | 1,306 |
| Loan loss allowance to noncurrent loans | 54.3059% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 1.8684% | 507 |
| Noncurrent loans to loans | 2.7245% | 395 |
| Net loans and leases to total assets | 67.5621% | 2,857 |
| Net loans and leases to deposits | 87.2407% | 2,031 |
| Net loans and leases to core deposits | 93.0044% | 2,266 |
| Total domestic deposits to total assets | 77.4433% | 4,448 |
| Equity capital to assets | 17.5074% | 436 |
| Core capital (leverage) ratio | 17.1189% | 423 |
| Tier 1 risk-based capital ratio | 23.9315% | 849 |
| Total risk-based capital ratio | 25.1840% | 833 |
| Memoranda: | ||
| Average total assets | $322,367,250 | 2,030 |
| Average earning assets | $309,336,750 | 1,981 |
| Average equity | $54,118,500 | 1,489 |
| Average total loans | $227,397,500 | 1,989 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1668% | 3,999 |
| Cost of funding earning assets | 0.8715% | 2,290 |
| Net interest margin | 3.2953% | 4,159 |
| Noninterest income to average assets | 0.3394% | 3,662 |
| Noninterest expense to average assets | 1.9441% | 4,691 |
| Loan and lease loss provision to assets | 0.1335% | 1,393 |
| Net operating income to assets | 1.0881% | 2,572 |
| Return on assets (ROA) | 1.1071% | 2,570 |
| Pretax return on assets | 1.4483% | 2,040 |
| Return on Equity (ROE) | 6.6889% | 3,798 |
| Retained earnings to average equity (ytd only) | 5.1875% | 2,675 |
| Net charge-offs to loans | 0.1329% | 1,141 |
| Credit loss provision to net charge-offs | 141.1765% | 1,557 |
| Earnings coverage of net charge-offs (x) | 16.4706% | 1,930 |
| Efficiency ratio | 55.0927% | 4,358 |
| Assets per employee ($millions) | 5.0690% | 2,391 |
| Cash dividends to net income (ytd only)* | 22.4456% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 1,627 |
| Loan loss allowance to noncurrent loans | 65.4834% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 1.5372% | 720 |
| Noncurrent loans to loans | 2.1333% | 641 |
| Net loans and leases to total assets | 68.2322% | 2,781 |
| Net loans and leases to deposits | 89.0773% | 1,852 |
| Net loans and leases to core deposits | 95.5109% | 2,116 |
| Total domestic deposits to total assets | 76.5989% | 4,606 |
| Equity capital to assets | 16.9125% | 479 |
| Core capital (leverage) ratio | 16.6296% | 473 |
| Tier 1 risk-based capital ratio | 23.0192% | 946 |
| Total risk-based capital ratio | 24.2708% | 918 |
| Memoranda: | ||
| Average total assets | $323,544,000 | 2,031 |
| Average earning assets | $310,499,670 | 1,979 |
| Average equity | $53,551,330 | 1,499 |
| Average total loans | $230,314,000 | 1,971 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1501% | 4,003 |
| Cost of funding earning assets | 0.8561% | 2,240 |
| Net interest margin | 3.2940% | 4,175 |
| Noninterest income to average assets | 0.3194% | 3,726 |
| Noninterest expense to average assets | 1.9102% | 4,784 |
| Loan and lease loss provision to assets | 0.1337% | 1,299 |
| Net operating income to assets | 1.0971% | 2,483 |
| Return on assets (ROA) | 1.0981% | 2,525 |
| Pretax return on assets | 1.4348% | 1,974 |
| Return on Equity (ROE) | 6.7078% | 3,771 |
| Retained earnings to average equity (ytd only) | 6.6927% | 2,159 |
| Net charge-offs to loans | 0.1475% | 883 |
| Credit loss provision to net charge-offs | 125.5814% | 1,380 |
| Earnings coverage of net charge-offs (x) | 14.7209% | 1,779 |
| Efficiency ratio | 54.5034% | 4,482 |
| Assets per employee ($millions) | 5.3711% | 2,102 |
| Cash dividends to net income (ytd only)* | 0.2255% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 1,883 |
| Loan loss allowance to noncurrent loans | 106.1385% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.9663% | 1,453 |
| Noncurrent loans to loans | 1.2688% | 1,297 |
| Net loans and leases to total assets | 70.3545% | 2,427 |
| Net loans and leases to deposits | 91.5573% | 1,450 |
| Net loans and leases to core deposits | 96.2233% | 1,911 |
| Total domestic deposits to total assets | 76.8420% | 4,669 |
| Equity capital to assets | 16.6506% | 484 |
| Core capital (leverage) ratio | 16.4077% | 480 |
| Tier 1 risk-based capital ratio | 22.3773% | 1,005 |
| Total risk-based capital ratio | 23.6283% | 984 |
| Memoranda: | ||
| Average total assets | $323,107,500 | 2,044 |
| Average earning assets | $309,778,500 | 1,998 |
| Average equity | $52,893,500 | 1,501 |
| Average total loans | $233,224,500 | 1,969 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0594% | 3,870 |
| Cost of funding earning assets | 0.7298% | 1,906 |
| Net interest margin | 3.3296% | 4,183 |
| Noninterest income to average assets | 0.3204% | 3,962 |
| Noninterest expense to average assets | 1.9932% | 4,766 |
| Loan and lease loss provision to assets | 0.0661% | 2,830 |
| Net operating income to assets | 1.1200% | 2,516 |
| Return on assets (ROA) | 1.1152% | 2,534 |
| Pretax return on assets | 1.4509% | 1,949 |
| Return on Equity (ROE) | 7.1304% | 3,781 |
| Retained earnings to average equity (ytd only) | 4.4653% | 3,067 |
| Net charge-offs to loans | 0.0290% | 2,821 |
| Credit loss provision to net charge-offs | 313.0435% | 996 |
| Earnings coverage of net charge-offs (x) | 72.1304% | 915 |
| Efficiency ratio | 56.2750% | 4,374 |
| Assets per employee ($millions) | 5.3992% | 2,060 |
| Cash dividends to net income (ytd only)* | 37.3765% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 2,045 |
| Loan loss allowance to noncurrent loans | 150.2689% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.6313% | 2,150 |
| Noncurrent loans to loans | 0.8642% | 1,871 |
| Net loans and leases to total assets | 72.0954% | 2,244 |
| Net loans and leases to deposits | 93.0828% | 1,392 |
| Net loans and leases to core deposits | 97.8319% | 1,879 |
| Total domestic deposits to total assets | 77.4530% | 4,569 |
| Equity capital to assets | 16.0914% | 521 |
| Core capital (leverage) ratio | 15.8772% | 531 |
| Tier 1 risk-based capital ratio | 21.4225% | 1,110 |
| Total risk-based capital ratio | 22.6729% | 1,086 |
| Memoranda: | ||
| Average total assets | $326,762,400 | 2,012 |
| Average earning assets | $313,638,800 | 1,955 |
| Average equity | $51,104,800 | 1,486 |
| Average total loans | $237,634,000 | 1,897 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9994% | 3,933 |
| Cost of funding earning assets | 0.6962% | 1,862 |
| Net interest margin | 3.3032% | 4,269 |
| Noninterest income to average assets | 0.3107% | 4,066 |
| Noninterest expense to average assets | 1.9299% | 4,857 |
| Loan and lease loss provision to assets | 0.0879% | 2,216 |
| Net operating income to assets | 1.1265% | 2,548 |
| Return on assets (ROA) | 1.1201% | 2,590 |
| Pretax return on assets | 1.4584% | 2,034 |
| Return on Equity (ROE) | 7.2133% | 3,855 |
| Retained earnings to average equity (ytd only) | 6.1593% | 2,572 |
| Net charge-offs to loans | 0.0454% | 2,187 |
| Credit loss provision to net charge-offs | 266.6667% | 1,117 |
| Earnings coverage of net charge-offs (x) | 47.1346% | 1,220 |
| Efficiency ratio | 54.9778% | 4,508 |
| Assets per employee ($millions) | 5.3063% | 2,117 |
| Cash dividends to net income (ytd only)* | 14.6130% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 2,177 |
| Loan loss allowance to noncurrent loans | 375.5828% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.2518% | 3,701 |
| Noncurrent loans to loans | 0.3416% | 3,432 |
| Net loans and leases to total assets | 72.7727% | 2,209 |
| Net loans and leases to deposits | 94.3817% | 1,337 |
| Net loans and leases to core deposits | 98.5833% | 1,897 |
| Total domestic deposits to total assets | 77.1047% | 4,628 |
| Equity capital to assets | 15.9435% | 552 |
| Core capital (leverage) ratio | 16.0587% | 508 |
| Tier 1 risk-based capital ratio | 21.3334% | 1,135 |
| Total risk-based capital ratio | 22.5839% | 1,119 |
| Memoranda: | ||
| Average total assets | $327,465,500 | 2,015 |
| Average earning assets | $314,640,250 | 1,957 |
| Average equity | $50,849,000 | 1,489 |
| Average total loans | $237,886,000 | 1,902 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9467% | 3,938 |
| Cost of funding earning assets | 0.6779% | 1,757 |
| Net interest margin | 3.2687% | 4,334 |
| Noninterest income to average assets | 0.3036% | 4,143 |
| Noninterest expense to average assets | 1.8915% | 4,971 |
| Loan and lease loss provision to assets | 0.1314% | 1,508 |
| Net operating income to assets | 1.0901% | 2,617 |
| Return on assets (ROA) | 1.0781% | 2,676 |
| Pretax return on assets | 1.4042% | 2,129 |
| Return on Equity (ROE) | 7.0045% | 3,902 |
| Retained earnings to average equity (ytd only) | 5.4154% | 2,864 |
| Net charge-offs to loans | 0.0269% | 2,315 |
| Credit loss provision to net charge-offs | 675.0000% | 573 |
| Earnings coverage of net charge-offs (x) | 79.6563% | 824 |
| Efficiency ratio | 54.5246% | 4,632 |
| Assets per employee ($millions) | 5.1031% | 2,285 |
| Cash dividends to net income (ytd only)* | 22.6862% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3368% | 2,004 |
| Loan loss allowance to noncurrent loans | 364.1686% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.2615% | 3,712 |
| Noncurrent loans to loans | 0.3671% | 3,378 |
| Net loans and leases to total assets | 70.2823% | 2,538 |
| Net loans and leases to deposits | 89.4520% | 1,917 |
| Net loans and leases to core deposits | 93.8277% | 2,232 |
| Total domestic deposits to total assets | 78.5699% | 4,496 |
| Equity capital to assets | 15.5987% | 577 |
| Core capital (leverage) ratio | 15.5832% | 556 |
| Tier 1 risk-based capital ratio | 21.3411% | 1,123 |
| Total risk-based capital ratio | 22.5921% | 1,104 |
| Memoranda: | ||
| Average total assets | $328,725,330 | 2,014 |
| Average earning assets | $315,659,670 | 1,967 |
| Average equity | $50,596,330 | 1,502 |
| Average total loans | $237,642,670 | 1,908 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9004% | 3,920 |
| Cost of funding earning assets | 0.6606% | 1,657 |
| Net interest margin | 3.2398% | 4,341 |
| Noninterest income to average assets | 0.3020% | 4,139 |
| Noninterest expense to average assets | 1.8630% | 5,082 |
| Loan and lease loss provision to assets | 0.1310% | 1,443 |
| Net operating income to assets | 1.0880% | 2,479 |
| Return on assets (ROA) | 1.0880% | 2,495 |
| Pretax return on assets | 1.4191% | 1,941 |
| Return on Equity (ROE) | 7.1159% | 3,741 |
| Retained earnings to average equity (ytd only) | 7.1001% | 2,233 |
| Net charge-offs to loans | 0.0133% | 2,283 |
| Credit loss provision to net charge-offs | 1,350.0000% | 269 |
| Earnings coverage of net charge-offs (x) | 159.7500% | 412 |
| Efficiency ratio | 54.1578% | 4,785 |
| Assets per employee ($millions) | 5.3648% | 2,077 |
| Cash dividends to net income (ytd only)* | 0.2230% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2860% | 2,309 |
| Loan loss allowance to noncurrent loans | 362.8297% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 3,680 |
| Noncurrent loans to loans | 0.3544% | 3,500 |
| Net loans and leases to total assets | 70.9779% | 2,330 |
| Net loans and leases to deposits | 90.0976% | 1,681 |
| Net loans and leases to core deposits | 94.8282% | 2,070 |
| Total domestic deposits to total assets | 78.7789% | 4,611 |
| Equity capital to assets | 15.4446% | 577 |
| Core capital (leverage) ratio | 15.3718% | 576 |
| Tier 1 risk-based capital ratio | 21.0350% | 1,200 |
| Total risk-based capital ratio | 22.2853% | 1,176 |
| Memoranda: | ||
| Average total assets | $329,789,500 | 2,018 |
| Average earning assets | $316,684,500 | 1,975 |
| Average equity | $50,422,000 | 1,518 |
| Average total loans | $240,139,000 | 1,897 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9117% | 3,685 |
| Cost of funding earning assets | 0.6156% | 1,501 |
| Net interest margin | 3.2961% | 4,175 |
| Noninterest income to average assets | 0.3242% | 4,147 |
| Noninterest expense to average assets | 1.9460% | 5,057 |
| Loan and lease loss provision to assets | 0.0551% | 3,126 |
| Net operating income to assets | 0.9286% | 2,556 |
| Return on assets (ROA) | 0.9391% | 2,538 |
| Pretax return on assets | 1.5085% | 1,607 |
| Return on Equity (ROE) | 6.2230% | 3,666 |
| Retained earnings to average equity (ytd only) | 3.8116% | 2,936 |
| Net charge-offs to loans | 0.0639% | 2,563 |
| Credit loss provision to net charge-offs | 116.6667% | 2,237 |
| Earnings coverage of net charge-offs (x) | 32.7628% | 1,456 |
| Efficiency ratio | 55.2994% | 4,834 |
| Assets per employee ($millions) | 5.4480% | 1,986 |
| Cash dividends to net income (ytd only)* | 38.7492% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1944% | 2,820 |
| Loan loss allowance to noncurrent loans | 303.2124% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.3154% | 3,615 |
| Noncurrent loans to loans | 0.3939% | 3,349 |
| Net loans and leases to total assets | 72.8347% | 2,116 |
| Net loans and leases to deposits | 93.0542% | 1,382 |
| Net loans and leases to core deposits | 97.2764% | 1,915 |
| Total domestic deposits to total assets | 78.2713% | 4,674 |
| Equity capital to assets | 15.1361% | 653 |
| Core capital (leverage) ratio | 14.6707% | 692 |
| Tier 1 risk-based capital ratio | 19.8633% | 1,347 |
| Total risk-based capital ratio | 21.0667% | 1,321 |
| Memoranda: | ||
| Average total assets | $330,326,200 | 2,006 |
| Average earning assets | $317,587,600 | 1,947 |
| Average equity | $49,847,200 | 1,521 |
| Average total loans | $244,294,000 | 1,853 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8804% | 3,740 |
| Cost of funding earning assets | 0.6023% | 1,516 |
| Net interest margin | 3.2780% | 4,234 |
| Noninterest income to average assets | 0.3052% | 4,346 |
| Noninterest expense to average assets | 1.8817% | 5,162 |
| Loan and lease loss provision to assets | 0.1310% | 1,659 |
| Net operating income to assets | 0.9912% | 2,592 |
| Return on assets (ROA) | 1.0049% | 2,574 |
| Pretax return on assets | 1.4674% | 1,886 |
| Return on Equity (ROE) | 6.6646% | 3,833 |
| Retained earnings to average equity (ytd only) | 5.5870% | 2,487 |
| Net charge-offs to loans | 0.0459% | 2,526 |
| Credit loss provision to net charge-offs | 385.7143% | 794 |
| Earnings coverage of net charge-offs (x) | 46.4750% | 1,171 |
| Efficiency ratio | 53.9783% | 4,938 |
| Assets per employee ($millions) | 5.6030% | 1,827 |
| Cash dividends to net income (ytd only)* | 16.1707% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 2,555 |
| Loan loss allowance to noncurrent loans | 162.2739% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.5904% | 2,741 |
| Noncurrent loans to loans | 0.7792% | 2,422 |
| Net loans and leases to total assets | 71.7349% | 2,294 |
| Net loans and leases to deposits | 92.2503% | 1,536 |
| Net loans and leases to core deposits | 96.3746% | 2,031 |
| Total domestic deposits to total assets | 77.7612% | 4,764 |
| Equity capital to assets | 14.9234% | 746 |
| Core capital (leverage) ratio | 14.8296% | 695 |
| Tier 1 risk-based capital ratio | 19.5371% | 1,470 |
| Total risk-based capital ratio | 20.7871% | 1,435 |
| Memoranda: | ||
| Average total assets | $329,826,500 | 2,022 |
| Average earning assets | $317,417,500 | 1,963 |
| Average equity | $49,733,750 | 1,538 |
| Average total loans | $244,124,000 | 1,862 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8578% | 3,694 |
| Cost of funding earning assets | 0.5760% | 1,609 |
| Net interest margin | 3.2818% | 4,162 |
| Noninterest income to average assets | 0.3118% | 4,306 |
| Noninterest expense to average assets | 1.8917% | 5,194 |
| Loan and lease loss provision to assets | 0.1326% | 1,569 |
| Net operating income to assets | 1.0020% | 2,417 |
| Return on assets (ROA) | 1.0189% | 2,381 |
| Pretax return on assets | 1.4737% | 1,745 |
| Return on Equity (ROE) | 6.7330% | 3,702 |
| Retained earnings to average equity (ytd only) | 5.1024% | 2,637 |
| Net charge-offs to loans | 0.0140% | 2,972 |
| Credit loss provision to net charge-offs | 1,270.5882% | 321 |
| Earnings coverage of net charge-offs (x) | 151.5882% | 503 |
| Efficiency ratio | 54.0378% | 5,016 |
| Assets per employee ($millions) | 5.5232% | 1,850 |
| Cash dividends to net income (ytd only)* | 24.2169% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2531% | 2,670 |
| Loan loss allowance to noncurrent loans | 269.2441% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 3,734 |
| Noncurrent loans to loans | 0.4654% | 3,344 |
| Net loans and leases to total assets | 73.6917% | 1,931 |
| Net loans and leases to deposits | 95.3640% | 1,132 |
| Net loans and leases to core deposits | 99.9006% | 1,652 |
| Total domestic deposits to total assets | 77.2742% | 4,918 |
| Equity capital to assets | 15.1726% | 676 |
| Core capital (leverage) ratio | 15.1008% | 606 |
| Tier 1 risk-based capital ratio | 19.5516% | 1,465 |
| Total risk-based capital ratio | 20.8015% | 1,423 |
| Memoranda: | ||
| Average total assets | $325,840,000 | 2,048 |
| Average earning assets | $313,909,000 | 1,986 |
| Average equity | $49,309,670 | 1,550 |
| Average total loans | $242,725,330 | 1,866 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8316% | 3,650 |
| Cost of funding earning assets | 0.5604% | 1,642 |
| Net interest margin | 3.2712% | 4,112 |
| Noninterest income to average assets | 0.2947% | 4,444 |
| Noninterest expense to average assets | 1.8659% | 5,285 |
| Loan and lease loss provision to assets | 0.1337% | 1,430 |
| Net operating income to assets | 0.9999% | 2,304 |
| Return on assets (ROA) | 1.0264% | 2,241 |
| Pretax return on assets | 1.4845% | 1,586 |
| Return on Equity (ROE) | 6.7917% | 3,503 |
| Retained earnings to average equity (ytd only) | 6.7754% | 1,940 |
| Net charge-offs to loans | 0.0050% | 2,803 |
| Credit loss provision to net charge-offs | 3,600.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 425.3333% | 134 |
| Efficiency ratio | 53.7190% | 5,155 |
| Assets per employee ($millions) | 5.2596% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.2413% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2583% | 2,767 |
| Loan loss allowance to noncurrent loans | 237.3618% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.3946% | 3,620 |
| Noncurrent loans to loans | 0.5301% | 3,222 |
| Net loans and leases to total assets | 73.4972% | 1,821 |
| Net loans and leases to deposits | 90.8164% | 1,445 |
| Net loans and leases to core deposits | 94.3726% | 1,951 |
| Total domestic deposits to total assets | 80.9294% | 4,426 |
| Equity capital to assets | 15.3774% | 579 |
| Core capital (leverage) ratio | 15.1830% | 574 |
| Tier 1 risk-based capital ratio | 20.1542% | 1,359 |
| Total risk-based capital ratio | 21.4045% | 1,331 |
| Memoranda: | ||
| Average total assets | $323,063,000 | 2,080 |
| Average earning assets | $311,205,500 | 2,019 |
| Average equity | $48,824,000 | 1,563 |
| Average total loans | $240,433,500 | 1,890 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8853% | 3,625 |
| Cost of funding earning assets | 0.5424% | 1,772 |
| Net interest margin | 3.3429% | 4,021 |
| Noninterest income to average assets | 0.3487% | 4,241 |
| Noninterest expense to average assets | 2.0285% | 5,138 |
| Loan and lease loss provision to assets | 0.1359% | 1,841 |
| Net operating income to assets | 0.9715% | 2,485 |
| Return on assets (ROA) | 0.9819% | 2,530 |
| Pretax return on assets | 1.4108% | 1,901 |
| Return on Equity (ROE) | 6.4376% | 3,768 |
| Retained earnings to average equity (ytd only) | 3.9575% | 3,104 |
| Net charge-offs to loans | 0.0078% | 3,996 |
| Credit loss provision to net charge-offs | 2,400.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 270.4444% | 265 |
| Efficiency ratio | 56.5582% | 5,008 |
| Assets per employee ($millions) | 5.4215% | 1,933 |
| Cash dividends to net income (ytd only)* | 38.5256% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 3,139 |
| Loan loss allowance to noncurrent loans | 374.1935% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.2382% | 4,354 |
| Noncurrent loans to loans | 0.3202% | 4,000 |
| Net loans and leases to total assets | 73.5210% | 1,928 |
| Net loans and leases to deposits | 91.5311% | 1,509 |
| Net loans and leases to core deposits | 95.4193% | 1,973 |
| Total domestic deposits to total assets | 80.3235% | 4,501 |
| Equity capital to assets | 14.8519% | 668 |
| Core capital (leverage) ratio | 14.7960% | 634 |
| Tier 1 risk-based capital ratio | 19.4842% | 1,481 |
| Total risk-based capital ratio | 20.7003% | 1,449 |
| Memoranda: | ||
| Average total assets | $317,765,800 | 2,071 |
| Average earning assets | $305,307,800 | 2,007 |
| Average equity | $48,465,000 | 1,565 |
| Average total loans | $229,375,400 | 1,909 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8710% | 3,695 |
| Cost of funding earning assets | 0.5410% | 1,782 |
| Net interest margin | 3.3301% | 4,094 |
| Noninterest income to average assets | 0.3508% | 4,280 |
| Noninterest expense to average assets | 1.9028% | 5,369 |
| Loan and lease loss provision to assets | 0.1368% | 1,716 |
| Net operating income to assets | 1.0422% | 2,236 |
| Return on assets (ROA) | 1.0556% | 2,297 |
| Pretax return on assets | 1.5292% | 1,614 |
| Return on Equity (ROE) | 6.8750% | 3,626 |
| Retained earnings to average equity (ytd only) | 5.7699% | 2,317 |
| Net charge-offs to loans | -0.0018% | 4,478 |
| Credit loss provision to net charge-offs | -10,800.0000% | 5,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1930% | 5,290 |
| Assets per employee ($millions) | 5.1840% | 2,156 |
| Cash dividends to net income (ytd only)* | 16.0737% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 3,273 |
| Loan loss allowance to noncurrent loans | 205.6287% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.4256% | 3,718 |
| Noncurrent loans to loans | 0.5810% | 3,265 |
| Net loans and leases to total assets | 72.3856% | 2,131 |
| Net loans and leases to deposits | 89.5383% | 1,817 |
| Net loans and leases to core deposits | 92.7314% | 2,312 |
| Total domestic deposits to total assets | 80.8432% | 4,287 |
| Equity capital to assets | 15.4419% | 640 |
| Core capital (leverage) ratio | 15.2950% | 581 |
| Tier 1 risk-based capital ratio | 20.0280% | 1,444 |
| Total risk-based capital ratio | 21.2372% | 1,411 |
| Memoranda: | ||
| Average total assets | $315,884,250 | 2,088 |
| Average earning assets | $303,408,000 | 2,027 |
| Average equity | $48,503,250 | 1,565 |
| Average total loans | $226,204,750 | 1,938 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8631% | 3,726 |
| Cost of funding earning assets | 0.5355% | 1,822 |
| Net interest margin | 3.3276% | 4,130 |
| Noninterest income to average assets | 0.3044% | 4,615 |
| Noninterest expense to average assets | 1.8876% | 5,475 |
| Loan and lease loss provision to assets | 0.1376% | 1,646 |
| Net operating income to assets | 1.0187% | 2,304 |
| Return on assets (ROA) | 1.0336% | 2,369 |
| Pretax return on assets | 1.5023% | 1,667 |
| Return on Equity (ROE) | 6.7446% | 3,672 |
| Retained earnings to average equity (ytd only) | 5.0740% | 2,683 |
| Net charge-offs to loans | -0.0538% | 5,401 |
| Credit loss provision to net charge-offs | -360.0000% | 4,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4060% | 5,359 |
| Assets per employee ($millions) | 5.0551% | 2,249 |
| Cash dividends to net income (ytd only)* | 24.7689% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 3,272 |
| Loan loss allowance to noncurrent loans | 246.1676% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.3733% | 3,995 |
| Noncurrent loans to loans | 0.4934% | 3,600 |
| Net loans and leases to total assets | 71.6720% | 2,221 |
| Net loans and leases to deposits | 88.2435% | 1,959 |
| Net loans and leases to core deposits | 91.4651% | 2,392 |
| Total domestic deposits to total assets | 81.2207% | 4,211 |
| Equity capital to assets | 15.5842% | 608 |
| Core capital (leverage) ratio | 15.1036% | 592 |
| Tier 1 risk-based capital ratio | 20.2671% | 1,396 |
| Total risk-based capital ratio | 21.4918% | 1,374 |
| Memoranda: | ||
| Average total assets | $314,044,000 | 2,103 |
| Average earning assets | $302,139,330 | 2,045 |
| Average equity | $48,127,330 | 1,575 |
| Average total loans | $223,118,330 | 1,964 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8496% | 3,768 |
| Cost of funding earning assets | 0.5244% | 1,914 |
| Net interest margin | 3.3252% | 4,127 |
| Noninterest income to average assets | 0.3041% | 4,548 |
| Noninterest expense to average assets | 1.8794% | 5,553 |
| Loan and lease loss provision to assets | 0.1374% | 1,525 |
| Net operating income to assets | 1.0342% | 2,146 |
| Return on assets (ROA) | 1.0485% | 2,199 |
| Pretax return on assets | 1.5027% | 1,576 |
| Return on Equity (ROE) | 6.8998% | 3,505 |
| Retained earnings to average equity (ytd only) | 6.8831% | 1,946 |
| Net charge-offs to loans | -0.0941% | 5,606 |
| Credit loss provision to net charge-offs | -207.6923% | 4,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2727% | 5,441 |
| Assets per employee ($millions) | 5.2067% | 2,133 |
| Cash dividends to net income (ytd only)* | 0.2427% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 3,415 |
| Loan loss allowance to noncurrent loans | 294.0000% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.3035% | 4,357 |
| Noncurrent loans to loans | 0.4120% | 3,956 |
| Net loans and leases to total assets | 69.0861% | 2,481 |
| Net loans and leases to deposits | 84.0055% | 2,305 |
| Net loans and leases to core deposits | 87.5914% | 2,602 |
| Total domestic deposits to total assets | 82.2399% | 4,135 |
| Equity capital to assets | 15.4560% | 611 |
| Core capital (leverage) ratio | 14.9199% | 616 |
| Tier 1 risk-based capital ratio | 20.7034% | 1,362 |
| Total risk-based capital ratio | 21.9140% | 1,348 |
| Memoranda: | ||
| Average total assets | $314,359,000 | 2,113 |
| Average earning assets | $302,055,500 | 2,046 |
| Average equity | $47,769,500 | 1,582 |
| Average total loans | $220,981,500 | 1,974 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8786% | 3,782 |
| Cost of funding earning assets | 0.5129% | 2,046 |
| Net interest margin | 3.3657% | 4,055 |
| Noninterest income to average assets | 0.3474% | 4,422 |
| Noninterest expense to average assets | 2.0437% | 5,368 |
| Loan and lease loss provision to assets | 0.1296% | 1,851 |
| Net operating income to assets | 1.0239% | 2,243 |
| Return on assets (ROA) | 1.0340% | 2,283 |
| Pretax return on assets | 1.4239% | 1,807 |
| Return on Equity (ROE) | 6.7477% | 3,655 |
| Retained earnings to average equity (ytd only) | 4.1671% | 3,026 |
| Net charge-offs to loans | 0.0098% | 4,123 |
| Credit loss provision to net charge-offs | 1,970.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 234.0000% | 304 |
| Efficiency ratio | 56.7848% | 5,274 |
| Assets per employee ($millions) | 5.2719% | 2,039 |
| Cash dividends to net income (ytd only)* | 38.2437% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1124% | 3,978 |
| Loan loss allowance to noncurrent loans | 241.8288% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.3250% | 4,287 |
| Noncurrent loans to loans | 0.4600% | 3,823 |
| Net loans and leases to total assets | 69.8683% | 2,383 |
| Net loans and leases to deposits | 86.5647% | 2,053 |
| Net loans and leases to core deposits | 90.1799% | 2,386 |
| Total domestic deposits to total assets | 80.7123% | 4,565 |
| Equity capital to assets | 14.9389% | 676 |
| Core capital (leverage) ratio | 14.5361% | 703 |
| Tier 1 risk-based capital ratio | 19.9371% | 1,493 |
| Total risk-based capital ratio | 21.0527% | 1,491 |
| Memoranda: | ||
| Average total assets | $303,955,000 | 2,126 |
| Average earning assets | $292,242,200 | 2,063 |
| Average equity | $46,578,600 | 1,587 |
| Average total loans | $203,589,400 | 2,045 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8644% | 3,880 |
| Cost of funding earning assets | 0.5158% | 2,076 |
| Net interest margin | 3.3486% | 4,149 |
| Noninterest income to average assets | 0.3523% | 4,423 |
| Noninterest expense to average assets | 1.9091% | 5,625 |
| Loan and lease loss provision to assets | 0.1290% | 1,757 |
| Net operating income to assets | 1.1078% | 1,972 |
| Return on assets (ROA) | 1.1168% | 2,011 |
| Pretax return on assets | 1.5488% | 1,538 |
| Return on Equity (ROE) | 7.2397% | 3,506 |
| Retained earnings to average equity (ytd only) | 6.0848% | 2,192 |
| Net charge-offs to loans | -0.0544% | 5,570 |
| Credit loss provision to net charge-offs | -359.2593% | 5,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2110% | 5,569 |
| Assets per employee ($millions) | 5.2034% | 2,063 |
| Cash dividends to net income (ytd only)* | 15.9525% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 3,932 |
| Loan loss allowance to noncurrent loans | 231.9328% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.3374% | 4,425 |
| Noncurrent loans to loans | 0.4954% | 3,862 |
| Net loans and leases to total assets | 67.3306% | 2,799 |
| Net loans and leases to deposits | 85.1474% | 2,260 |
| Net loans and leases to core deposits | 87.7658% | 2,681 |
| Total domestic deposits to total assets | 79.0753% | 4,957 |
| Equity capital to assets | 14.9441% | 746 |
| Core capital (leverage) ratio | 14.5381% | 728 |
| Tier 1 risk-based capital ratio | 20.5573% | 1,426 |
| Total risk-based capital ratio | 21.7024% | 1,411 |
| Memoranda: | ||
| Average total assets | $300,865,000 | 2,158 |
| Average earning assets | $289,509,500 | 2,096 |
| Average equity | $46,409,750 | 1,597 |
| Average total loans | $198,614,250 | 2,083 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8157% | 4,006 |
| Cost of funding earning assets | 0.5172% | 2,094 |
| Net interest margin | 3.2985% | 4,310 |
| Noninterest income to average assets | 0.3115% | 4,728 |
| Noninterest expense to average assets | 1.8168% | 5,827 |
| Loan and lease loss provision to assets | 0.1280% | 1,735 |
| Net operating income to assets | 1.0908% | 1,980 |
| Return on assets (ROA) | 1.0923% | 2,076 |
| Pretax return on assets | 1.5473% | 1,497 |
| Return on Equity (ROE) | 7.0026% | 3,602 |
| Retained earnings to average equity (ytd only) | 5.2574% | 2,702 |
| Net charge-offs to loans | -0.0674% | 5,650 |
| Credit loss provision to net charge-offs | -290.7692% | 5,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0567% | 5,708 |
| Assets per employee ($millions) | 5.4113% | 1,826 |
| Cash dividends to net income (ytd only)* | 24.9225% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1298% | 4,180 |
| Loan loss allowance to noncurrent loans | 208.8261% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 4,475 |
| Noncurrent loans to loans | 0.5410% | 3,832 |
| Net loans and leases to total assets | 63.7702% | 3,291 |
| Net loans and leases to deposits | 80.5893% | 2,715 |
| Net loans and leases to core deposits | 82.8230% | 3,098 |
| Total domestic deposits to total assets | 79.1299% | 5,070 |
| Equity capital to assets | 14.2832% | 881 |
| Core capital (leverage) ratio | 14.5431% | 700 |
| Tier 1 risk-based capital ratio | 20.2066% | 1,504 |
| Total risk-based capital ratio | 21.3021% | 1,503 |
| Memoranda: | ||
| Average total assets | $295,350,000 | 2,206 |
| Average earning assets | $284,616,000 | 2,133 |
| Average equity | $46,068,330 | 1,618 |
| Average total loans | $192,753,000 | 2,158 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7921% | 4,044 |
| Cost of funding earning assets | 0.5375% | 1,950 |
| Net interest margin | 3.2546% | 4,402 |
| Noninterest income to average assets | 0.3121% | 4,695 |
| Noninterest expense to average assets | 1.7471% | 5,962 |
| Loan and lease loss provision to assets | 0.1283% | 1,620 |
| Net operating income to assets | 1.1292% | 1,756 |
| Return on assets (ROA) | 1.1344% | 1,854 |
| Pretax return on assets | 1.5761% | 1,330 |
| Return on Equity (ROE) | 6.9345% | 3,543 |
| Retained earnings to average equity (ytd only) | 6.9171% | 2,043 |
| Net charge-offs to loans | -0.1171% | 5,910 |
| Credit loss provision to net charge-offs | -166.6667% | 4,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7240% | 5,870 |
| Assets per employee ($millions) | 5.7586% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.2513% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 3,722 |
| Loan loss allowance to noncurrent loans | 283.0615% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.2938% | 4,797 |
| Noncurrent loans to loans | 0.4395% | 4,281 |
| Net loans and leases to total assets | 64.7904% | 2,979 |
| Net loans and leases to deposits | 78.1833% | 2,778 |
| Net loans and leases to core deposits | 81.5520% | 3,000 |
| Total domestic deposits to total assets | 82.8698% | 4,208 |
| Equity capital to assets | 16.7876% | 458 |
| Core capital (leverage) ratio | 16.0289% | 458 |
| Tier 1 risk-based capital ratio | 23.4094% | 1,057 |
| Total risk-based capital ratio | 24.6287% | 1,036 |
| Memoranda: | ||
| Average total assets | $280,687,500 | 2,310 |
| Average earning assets | $270,140,500 | 2,249 |
| Average equity | $45,915,500 | 1,625 |
| Average total loans | $184,423,500 | 2,236 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7996% | 4,496 |
| Cost of funding earning assets | 0.6119% | 1,666 |
| Net interest margin | 3.1877% | 4,962 |
| Noninterest income to average assets | 0.3063% | 4,922 |
| Noninterest expense to average assets | 1.8564% | 5,997 |
| Loan and lease loss provision to assets | 0.2647% | 837 |
| Net operating income to assets | 0.9268% | 2,742 |
| Return on assets (ROA) | 0.9518% | 2,702 |
| Pretax return on assets | 1.2822% | 2,302 |
| Return on Equity (ROE) | 6.0426% | 4,121 |
| Retained earnings to average equity (ytd only) | 3.3495% | 3,830 |
| Net charge-offs to loans | 0.2084% | 2,002 |
| Credit loss provision to net charge-offs | 203.2520% | 1,214 |
| Earnings coverage of net charge-offs (x) | 11.6179% | 2,469 |
| Efficiency ratio | 55.0958% | 5,757 |
| Assets per employee ($millions) | 5.8156% | 1,517 |
| Cash dividends to net income (ytd only)* | 44.5680% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1264% | 4,408 |
| Loan loss allowance to noncurrent loans | 473.5426% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.1618% | 5,377 |
| Noncurrent loans to loans | 0.2379% | 4,977 |
| Net loans and leases to total assets | 65.0578% | 3,038 |
| Net loans and leases to deposits | 79.3092% | 2,805 |
| Net loans and leases to core deposits | 82.6553% | 3,034 |
| Total domestic deposits to total assets | 82.0306% | 4,409 |
| Equity capital to assets | 15.9418% | 545 |
| Core capital (leverage) ratio | 15.5545% | 523 |
| Tier 1 risk-based capital ratio | 22.3705% | 1,169 |
| Total risk-based capital ratio | 23.4838% | 1,166 |
| Memoranda: | ||
| Average total assets | $283,351,200 | 2,250 |
| Average earning assets | $272,263,600 | 2,178 |
| Average equity | $44,633,400 | 1,619 |
| Average total loans | $177,033,800 | 2,259 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7697% | 4,655 |
| Cost of funding earning assets | 0.6161% | 1,713 |
| Net interest margin | 3.1536% | 5,107 |
| Noninterest income to average assets | 0.2978% | 5,075 |
| Noninterest expense to average assets | 1.7209% | 6,192 |
| Loan and lease loss provision to assets | 0.2120% | 1,091 |
| Net operating income to assets | 1.0184% | 2,373 |
| Return on assets (ROA) | 1.0390% | 2,345 |
| Pretax return on assets | 1.4250% | 1,907 |
| Return on Equity (ROE) | 6.6163% | 3,895 |
| Retained earnings to average equity (ytd only) | 5.4100% | 2,822 |
| Net charge-offs to loans | 0.3379% | 1,187 |
| Credit loss provision to net charge-offs | 101.8100% | 2,167 |
| Earnings coverage of net charge-offs (x) | 7.7240% | 2,902 |
| Efficiency ratio | 51.6841% | 6,012 |
| Assets per employee ($millions) | 5.8643% | 1,435 |
| Cash dividends to net income (ytd only)* | 18.2314% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9390% | 5,471 |
| Loan loss allowance to noncurrent loans | 103.0824% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 0.5871% | 4,084 |
| Noncurrent loans to loans | 0.9109% | 3,283 |
| Net loans and leases to total assets | 63.8436% | 3,196 |
| Net loans and leases to deposits | 80.0787% | 2,675 |
| Net loans and leases to core deposits | 83.0214% | 2,996 |
| Total domestic deposits to total assets | 79.7260% | 5,168 |
| Equity capital to assets | 15.8727% | 585 |
| Core capital (leverage) ratio | 15.8466% | 498 |
| Tier 1 risk-based capital ratio | 22.6425% | 1,169 |
| Total risk-based capital ratio | 23.5715% | 1,201 |
| Memoranda: | ||
| Average total assets | $282,948,500 | 2,268 |
| Average earning assets | $272,018,750 | 2,196 |
| Average equity | $44,434,750 | 1,627 |
| Average total loans | $174,416,750 | 2,299 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7513% | 4,688 |
| Cost of funding earning assets | 0.6193% | 1,737 |
| Net interest margin | 3.1320% | 5,151 |
| Noninterest income to average assets | 0.2920% | 5,085 |
| Noninterest expense to average assets | 1.7337% | 6,235 |
| Loan and lease loss provision to assets | 0.1066% | 2,239 |
| Net operating income to assets | 1.0559% | 2,103 |
| Return on assets (ROA) | 1.0871% | 2,041 |
| Pretax return on assets | 1.5028% | 1,530 |
| Return on Equity (ROE) | 6.9478% | 3,648 |
| Retained earnings to average equity (ytd only) | 5.1223% | 2,884 |
| Net charge-offs to loans | -0.0375% | 5,763 |
| Credit loss provision to net charge-offs | -468.7500% | 5,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5409% | 6,029 |
| Assets per employee ($millions) | 5.7054% | 1,519 |
| Cash dividends to net income (ytd only)* | 26.2745% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 4,960 |
| Loan loss allowance to noncurrent loans | 83.3188% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 0.8213% | 3,508 |
| Noncurrent loans to loans | 1.3034% | 2,633 |
| Net loans and leases to total assets | 62.3246% | 3,355 |
| Net loans and leases to deposits | 75.9781% | 3,062 |
| Net loans and leases to core deposits | 78.2562% | 3,410 |
| Total domestic deposits to total assets | 82.0297% | 4,636 |
| Equity capital to assets | 16.0552% | 544 |
| Core capital (leverage) ratio | 15.7154% | 517 |
| Tier 1 risk-based capital ratio | 23.3925% | 1,062 |
| Total risk-based capital ratio | 24.4601% | 1,063 |
| Memoranda: | ||
| Average total assets | $281,481,670 | 2,278 |
| Average earning assets | $270,303,670 | 2,207 |
| Average equity | $44,043,000 | 1,625 |
| Average total loans | $170,824,670 | 2,330 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7239% | 4,761 |
| Cost of funding earning assets | 0.6212% | 1,798 |
| Net interest margin | 3.1028% | 5,242 |
| Noninterest income to average assets | 0.2790% | 5,130 |
| Noninterest expense to average assets | 1.7391% | 6,296 |
| Loan and lease loss provision to assets | 0.1062% | 2,149 |
| Net operating income to assets | 1.0268% | 2,097 |
| Return on assets (ROA) | 1.0268% | 2,169 |
| Pretax return on assets | 1.4049% | 1,727 |
| Return on Equity (ROE) | 6.6480% | 3,661 |
| Retained earnings to average equity (ytd only) | 6.6297% | 2,220 |
| Net charge-offs to loans | 0.0119% | 3,373 |
| Credit loss provision to net charge-offs | 1,500.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 213.4000% | 227 |
| Efficiency ratio | 53.5076% | 6,053 |
| Assets per employee ($millions) | 5.5146% | 1,695 |
| Cash dividends to net income (ytd only)* | 0.2759% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0922% | 5,153 |
| Loan loss allowance to noncurrent loans | 105.5686% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 0.6066% | 4,319 |
| Noncurrent loans to loans | 1.0346% | 3,357 |
| Net loans and leases to total assets | 57.9877% | 3,843 |
| Net loans and leases to deposits | 69.0907% | 3,727 |
| Net loans and leases to core deposits | 71.1618% | 3,963 |
| Total domestic deposits to total assets | 83.9297% | 4,293 |
| Equity capital to assets | 15.6877% | 570 |
| Core capital (leverage) ratio | 15.3973% | 552 |
| Tier 1 risk-based capital ratio | 24.4326% | 944 |
| Total risk-based capital ratio | 25.4950% | 953 |
| Memoranda: | ||
| Average total assets | $282,439,000 | 2,284 |
| Average earning assets | $270,466,000 | 2,213 |
| Average equity | $43,622,000 | 1,631 |
| Average total loans | $168,161,000 | 2,361 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7654% | 4,922 |
| Cost of funding earning assets | 0.6741% | 2,006 |
| Net interest margin | 3.0914% | 5,335 |
| Noninterest income to average assets | 0.2768% | 5,374 |
| Noninterest expense to average assets | 1.8579% | 6,248 |
| Loan and lease loss provision to assets | 0.0570% | 4,002 |
| Net operating income to assets | 0.9799% | 2,425 |
| Return on assets (ROA) | 0.9954% | 2,419 |
| Pretax return on assets | 1.3485% | 1,976 |
| Return on Equity (ROE) | 6.4405% | 3,854 |
| Retained earnings to average equity (ytd only) | 3.6697% | 3,608 |
| Net charge-offs to loans | 0.1623% | 3,189 |
| Credit loss provision to net charge-offs | 59.9251% | 3,568 |
| Earnings coverage of net charge-offs (x) | 14.5543% | 1,932 |
| Efficiency ratio | 57.2355% | 5,821 |
| Assets per employee ($millions) | 5.7884% | 1,414 |
| Cash dividends to net income (ytd only)* | 43.0208% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0097% | 5,514 |
| Loan loss allowance to noncurrent loans | 126.2582% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.4834% | 4,787 |
| Noncurrent loans to loans | 0.7997% | 3,979 |
| Net loans and leases to total assets | 59.8318% | 3,747 |
| Net loans and leases to deposits | 70.8956% | 3,664 |
| Net loans and leases to core deposits | 73.0964% | 3,934 |
| Total domestic deposits to total assets | 84.3942% | 4,021 |
| Equity capital to assets | 15.2039% | 639 |
| Core capital (leverage) ratio | 15.2886% | 569 |
| Tier 1 risk-based capital ratio | 23.0892% | 1,082 |
| Total risk-based capital ratio | 24.0722% | 1,101 |
| Memoranda: | ||
| Average total assets | $280,686,400 | 2,270 |
| Average earning assets | $269,267,200 | 2,185 |
| Average equity | $43,381,800 | 1,617 |
| Average total loans | $164,492,200 | 2,363 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7632% | 4,987 |
| Cost of funding earning assets | 0.6843% | 2,066 |
| Net interest margin | 3.0790% | 5,380 |
| Noninterest income to average assets | 0.2719% | 5,502 |
| Noninterest expense to average assets | 1.7369% | 6,432 |
| Loan and lease loss provision to assets | 0.0572% | 3,907 |
| Net operating income to assets | 1.0439% | 2,209 |
| Return on assets (ROA) | 1.0578% | 2,240 |
| Pretax return on assets | 1.4521% | 1,758 |
| Return on Equity (ROE) | 6.8159% | 3,758 |
| Retained earnings to average equity (ytd only) | 5.5822% | 2,674 |
| Net charge-offs to loans | 0.0041% | 5,115 |
| Credit loss provision to net charge-offs | 2,400.0000% | 136 |
| Earnings coverage of net charge-offs (x) | 625.4723% | 88 |
| Efficiency ratio | 53.7485% | 6,126 |
| Assets per employee ($millions) | 5.6046% | 1,532 |
| Cash dividends to net income (ytd only)* | 18.1001% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1665% | 5,037 |
| Loan loss allowance to noncurrent loans | 421.8143% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.1686% | 5,932 |
| Noncurrent loans to loans | 0.2765% | 5,542 |
| Net loans and leases to total assets | 60.2531% | 3,662 |
| Net loans and leases to deposits | 72.3735% | 3,467 |
| Net loans and leases to core deposits | 74.8979% | 3,745 |
| Total domestic deposits to total assets | 83.2530% | 4,483 |
| Equity capital to assets | 15.7969% | 584 |
| Core capital (leverage) ratio | 15.7170% | 531 |
| Tier 1 risk-based capital ratio | 23.8525% | 1,025 |
| Total risk-based capital ratio | 24.9862% | 1,023 |
| Memoranda: | ||
| Average total assets | $279,950,000 | 2,276 |
| Average earning assets | $268,699,500 | 2,198 |
| Average equity | $43,446,500 | 1,621 |
| Average total loans | $162,757,000 | 2,396 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7158% | 5,097 |
| Cost of funding earning assets | 0.6912% | 2,135 |
| Net interest margin | 3.0246% | 5,508 |
| Noninterest income to average assets | 0.2762% | 5,472 |
| Noninterest expense to average assets | 1.7251% | 6,475 |
| Loan and lease loss provision to assets | 0.0639% | 3,738 |
| Net operating income to assets | 1.0101% | 2,290 |
| Return on assets (ROA) | 1.0308% | 2,316 |
| Pretax return on assets | 1.4170% | 1,871 |
| Return on Equity (ROE) | 6.6808% | 3,783 |
| Retained earnings to average equity (ytd only) | 4.8311% | 3,161 |
| Net charge-offs to loans | -0.0347% | 6,136 |
| Credit loss provision to net charge-offs | -321.4286% | 5,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2225% | 6,128 |
| Assets per employee ($millions) | 5.6087% | 1,489 |
| Cash dividends to net income (ytd only)* | 27.6860% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 4,970 |
| Loan loss allowance to noncurrent loans | 493.9394% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.1546% | 6,028 |
| Noncurrent loans to loans | 0.2437% | 5,694 |
| Net loans and leases to total assets | 58.4057% | 3,922 |
| Net loans and leases to deposits | 69.6503% | 3,764 |
| Net loans and leases to core deposits | 71.8804% | 4,057 |
| Total domestic deposits to total assets | 83.8556% | 4,378 |
| Equity capital to assets | 15.7081% | 575 |
| Core capital (leverage) ratio | 15.1647% | 586 |
| Tier 1 risk-based capital ratio | 24.1862% | 979 |
| Total risk-based capital ratio | 25.3586% | 966 |
| Memoranda: | ||
| Average total assets | $281,725,670 | 2,284 |
| Average earning assets | $270,250,000 | 2,192 |
| Average equity | $43,468,000 | 1,623 |
| Average total loans | $161,202,000 | 2,422 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7207% | 5,090 |
| Cost of funding earning assets | 0.7031% | 2,178 |
| Net interest margin | 3.0176% | 5,521 |
| Noninterest income to average assets | 0.2567% | 5,621 |
| Noninterest expense to average assets | 1.6607% | 6,614 |
| Loan and lease loss provision to assets | 0.0631% | 3,577 |
| Net operating income to assets | 1.0271% | 2,116 |
| Return on assets (ROA) | 1.0604% | 2,106 |
| Pretax return on assets | 1.4686% | 1,656 |
| Return on Equity (ROE) | 6.9331% | 3,526 |
| Retained earnings to average equity (ytd only) | 6.9239% | 2,187 |
| Net charge-offs to loans | -0.0797% | 6,350 |
| Credit loss provision to net charge-offs | -140.6250% | 5,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6973% | 6,339 |
| Assets per employee ($millions) | 5.8725% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.1323% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 5,102 |
| Loan loss allowance to noncurrent loans | 289.7126% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.2297% | 5,882 |
| Noncurrent loans to loans | 0.4204% | 5,369 |
| Net loans and leases to total assets | 53.9775% | 4,419 |
| Net loans and leases to deposits | 64.0651% | 4,303 |
| Net loans and leases to core deposits | 66.0841% | 4,517 |
| Total domestic deposits to total assets | 84.2542% | 4,373 |
| Equity capital to assets | 15.2600% | 698 |
| Core capital (leverage) ratio | 14.9192% | 602 |
| Tier 1 risk-based capital ratio | 24.5732% | 947 |
| Total risk-based capital ratio | 25.7485% | 937 |
| Memoranda: | ||
| Average total assets | $285,175,500 | 2,285 |
| Average earning assets | $273,063,500 | 2,195 |
| Average equity | $43,617,000 | 1,634 |
| Average total loans | $160,568,000 | 2,441 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1210% | 4,879 |
| Cost of funding earning assets | 0.8583% | 2,229 |
| Net interest margin | 3.2627% | 5,383 |
| Noninterest income to average assets | 0.2972% | 5,338 |
| Noninterest expense to average assets | 1.7905% | 6,638 |
| Loan and lease loss provision to assets | 0.0663% | 4,921 |
| Net operating income to assets | 1.0890% | 1,974 |
| Return on assets (ROA) | 1.1102% | 2,085 |
| Pretax return on assets | 1.5956% | 1,402 |
| Return on Equity (ROE) | 7.0458% | 3,618 |
| Retained earnings to average equity (ytd only) | 4.2359% | 3,247 |
| Net charge-offs to loans | 0.0634% | 5,057 |
| Credit loss provision to net charge-offs | 176.4706% | 1,487 |
| Earnings coverage of net charge-offs (x) | 43.4314% | 748 |
| Efficiency ratio | 52.1903% | 6,449 |
| Assets per employee ($millions) | 5.7673% | 1,452 |
| Cash dividends to net income (ytd only)* | 39.8806% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1214% | 5,468 |
| Loan loss allowance to noncurrent loans | 428.4382% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.1518% | 6,182 |
| Noncurrent loans to loans | 0.2617% | 5,828 |
| Net loans and leases to total assets | 57.3468% | 4,076 |
| Net loans and leases to deposits | 68.0997% | 3,964 |
| Net loans and leases to core deposits | 70.1687% | 4,287 |
| Total domestic deposits to total assets | 84.2101% | 4,220 |
| Equity capital to assets | 15.3303% | 672 |
| Core capital (leverage) ratio | 15.0804% | 556 |
| Tier 1 risk-based capital ratio | 23.1452% | 1,090 |
| Total risk-based capital ratio | 24.2293% | 1,099 |
| Memoranda: | ||
| Average total assets | $271,493,600 | 2,333 |
| Average earning assets | $260,033,800 | 2,243 |
| Average equity | $42,777,200 | 1,629 |
| Average total loans | $160,796,800 | 2,419 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1704% | 4,915 |
| Cost of funding earning assets | 0.8870% | 2,255 |
| Net interest margin | 3.2834% | 5,444 |
| Noninterest income to average assets | 0.3061% | 5,334 |
| Noninterest expense to average assets | 1.6617% | 6,817 |
| Loan and lease loss provision to assets | 0.0670% | 4,850 |
| Net operating income to assets | 1.1864% | 1,790 |
| Return on assets (ROA) | 1.2141% | 1,865 |
| Pretax return on assets | 1.7693% | 1,122 |
| Return on Equity (ROE) | 7.6513% | 3,448 |
| Retained earnings to average equity (ytd only) | 6.3944% | 2,436 |
| Net charge-offs to loans | 0.0850% | 4,535 |
| Credit loss provision to net charge-offs | 132.3529% | 2,180 |
| Earnings coverage of net charge-offs (x) | 35.4893% | 961 |
| Efficiency ratio | 47.9265% | 6,720 |
| Assets per employee ($millions) | 5.6275% | 1,516 |
| Cash dividends to net income (ytd only)* | 16.4284% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0821% | 5,789 |
| Loan loss allowance to noncurrent loans | 487.2283% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.1362% | 6,374 |
| Noncurrent loans to loans | 0.2221% | 6,056 |
| Net loans and leases to total assets | 60.6767% | 3,640 |
| Net loans and leases to deposits | 72.9716% | 3,453 |
| Net loans and leases to core deposits | 74.8768% | 3,867 |
| Total domestic deposits to total assets | 83.1512% | 4,580 |
| Equity capital to assets | 16.2357% | 565 |
| Core capital (leverage) ratio | 15.7112% | 513 |
| Tier 1 risk-based capital ratio | 23.5130% | 1,087 |
| Total risk-based capital ratio | 24.5825% | 1,101 |
| Memoranda: | ||
| Average total assets | $268,717,500 | 2,380 |
| Average earning assets | $257,939,000 | 2,274 |
| Average equity | $42,640,750 | 1,651 |
| Average total loans | $160,021,250 | 2,455 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1727% | 5,046 |
| Cost of funding earning assets | 0.8960% | 2,434 |
| Net interest margin | 3.2766% | 5,513 |
| Noninterest income to average assets | 0.3034% | 5,381 |
| Noninterest expense to average assets | 1.6276% | 6,901 |
| Loan and lease loss provision to assets | 0.0671% | 4,791 |
| Net operating income to assets | 1.2011% | 1,712 |
| Return on assets (ROA) | 1.2280% | 1,808 |
| Pretax return on assets | 1.7946% | 1,055 |
| Return on Equity (ROE) | 7.7991% | 3,348 |
| Retained earnings to average equity (ytd only) | 5.8955% | 2,763 |
| Net charge-offs to loans | 0.1202% | 3,972 |
| Credit loss provision to net charge-offs | 94.7368% | 2,913 |
| Earnings coverage of net charge-offs (x) | 25.7263% | 1,189 |
| Efficiency ratio | 47.0499% | 6,831 |
| Assets per employee ($millions) | 5.5354% | 1,586 |
| Cash dividends to net income (ytd only)* | 24.4080% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 5,803 |
| Loan loss allowance to noncurrent loans | 395.2703% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 6,375 |
| Noncurrent loans to loans | 0.2767% | 6,021 |
| Net loans and leases to total assets | 59.7250% | 3,875 |
| Net loans and leases to deposits | 71.6945% | 3,652 |
| Net loans and leases to core deposits | 73.6156% | 4,080 |
| Total domestic deposits to total assets | 83.3047% | 4,623 |
| Equity capital to assets | 16.1379% | 551 |
| Core capital (leverage) ratio | 15.2297% | 556 |
| Tier 1 risk-based capital ratio | 23.8327% | 1,036 |
| Total risk-based capital ratio | 24.9160% | 1,038 |
| Memoranda: | ||
| Average total assets | $268,250,000 | 2,386 |
| Average earning assets | $257,581,330 | 2,282 |
| Average equity | $42,235,670 | 1,652 |
| Average total loans | $158,130,670 | 2,488 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1853% | 5,161 |
| Cost of funding earning assets | 0.9027% | 2,664 |
| Net interest margin | 3.2826% | 5,523 |
| Noninterest income to average assets | 0.3057% | 5,438 |
| Noninterest expense to average assets | 1.5301% | 7,035 |
| Loan and lease loss provision to assets | 0.0668% | 4,576 |
| Net operating income to assets | 1.2612% | 1,567 |
| Return on assets (ROA) | 1.2986% | 1,632 |
| Pretax return on assets | 1.9100% | 863 |
| Return on Equity (ROE) | 8.3503% | 3,121 |
| Retained earnings to average equity (ytd only) | 8.3312% | 1,847 |
| Net charge-offs to loans | 0.0612% | 3,883 |
| Credit loss provision to net charge-offs | 187.5000% | 1,398 |
| Earnings coverage of net charge-offs (x) | 53.9583% | 597 |
| Efficiency ratio | 44.1960% | 6,980 |
| Assets per employee ($millions) | 5.7011% | 1,524 |
| Cash dividends to net income (ytd only)* | 0.2286% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1514% | 5,706 |
| Loan loss allowance to noncurrent loans | 347.8516% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.2193% | 6,340 |
| Noncurrent loans to loans | 0.3310% | 6,009 |
| Net loans and leases to total assets | 55.8716% | 4,410 |
| Net loans and leases to deposits | 66.5331% | 4,300 |
| Net loans and leases to core deposits | 68.4995% | 4,627 |
| Total domestic deposits to total assets | 83.9758% | 4,501 |
| Equity capital to assets | 15.4418% | 671 |
| Core capital (leverage) ratio | 15.1311% | 581 |
| Tier 1 risk-based capital ratio | 24.3226% | 974 |
| Total risk-based capital ratio | 25.4542% | 972 |
| Memoranda: | ||
| Average total assets | $269,526,000 | 2,388 |
| Average earning assets | $258,331,000 | 2,295 |
| Average equity | $41,914,500 | 1,651 |
| Average total loans | $156,974,500 | 2,527 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4477% | 5,254 |
| Cost of funding earning assets | 1.1183% | 2,545 |
| Net interest margin | 3.3294% | 5,725 |
| Noninterest income to average assets | 0.2797% | 5,529 |
| Noninterest expense to average assets | 1.8568% | 6,882 |
| Loan and lease loss provision to assets | 0.0691% | 5,749 |
| Net operating income to assets | 1.0794% | 1,897 |
| Return on assets (ROA) | 1.0915% | 1,984 |
| Pretax return on assets | 1.5645% | 1,294 |
| Return on Equity (ROE) | 7.0778% | 3,368 |
| Retained earnings to average equity (ytd only) | 4.6821% | 2,864 |
| Net charge-offs to loans | 0.0777% | 5,547 |
| Credit loss provision to net charge-offs | 151.2605% | 1,859 |
| Earnings coverage of net charge-offs (x) | 35.4034% | 740 |
| Efficiency ratio | 53.2641% | 6,581 |
| Assets per employee ($millions) | 5.5291% | 1,609 |
| Cash dividends to net income (ytd only)* | 33.8489% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1050% | 5,797 |
| Loan loss allowance to noncurrent loans | 418.0523% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.1918% | 6,473 |
| Noncurrent loans to loans | 0.2643% | 6,194 |
| Net loans and leases to total assets | 59.3497% | 4,123 |
| Net loans and leases to deposits | 70.7889% | 3,983 |
| Net loans and leases to core deposits | 73.0380% | 4,376 |
| Total domestic deposits to total assets | 83.8405% | 4,387 |
| Equity capital to assets | 15.6640% | 641 |
| Core capital (leverage) ratio | 14.9074% | 616 |
| Tier 1 risk-based capital ratio | 23.2154% | 1,076 |
| Total risk-based capital ratio | 24.3072% | 1,079 |
| Memoranda: | ||
| Average total assets | $260,660,200 | 2,421 |
| Average earning assets | $250,015,600 | 2,303 |
| Average equity | $40,196,000 | 1,680 |
| Average total loans | $153,234,400 | 2,596 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4401% | 5,459 |
| Cost of funding earning assets | 1.1441% | 2,666 |
| Net interest margin | 3.2959% | 5,870 |
| Noninterest income to average assets | 0.2739% | 5,656 |
| Noninterest expense to average assets | 1.7573% | 7,039 |
| Loan and lease loss provision to assets | 0.0694% | 5,590 |
| Net operating income to assets | 1.1150% | 1,919 |
| Return on assets (ROA) | 1.1253% | 2,019 |
| Pretax return on assets | 1.6253% | 1,319 |
| Return on Equity (ROE) | 7.3269% | 3,368 |
| Retained earnings to average equity (ytd only) | 5.9820% | 2,566 |
| Net charge-offs to loans | 0.0949% | 5,030 |
| Credit loss provision to net charge-offs | 125.0000% | 2,566 |
| Earnings coverage of net charge-offs (x) | 30.2678% | 931 |
| Efficiency ratio | 50.9194% | 6,769 |
| Assets per employee ($millions) | 5.3780% | 1,730 |
| Cash dividends to net income (ytd only)* | 18.3563% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 5,841 |
| Loan loss allowance to noncurrent loans | 300.6969% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2512% | 6,434 |
| Noncurrent loans to loans | 0.3699% | 6,114 |
| Net loans and leases to total assets | 58.2300% | 4,468 |
| Net loans and leases to deposits | 69.8942% | 4,320 |
| Net loans and leases to core deposits | 71.9922% | 4,714 |
| Total domestic deposits to total assets | 83.3116% | 4,557 |
| Equity capital to assets | 15.7496% | 677 |
| Core capital (leverage) ratio | 15.0417% | 653 |
| Tier 1 risk-based capital ratio | 23.9032% | 1,020 |
| Total risk-based capital ratio | 25.0095% | 1,026 |
| Memoranda: | ||
| Average total assets | $259,475,750 | 2,441 |
| Average earning assets | $249,030,000 | 2,327 |
| Average equity | $39,852,000 | 1,691 |
| Average total loans | $151,724,750 | 2,638 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4029% | 5,684 |
| Cost of funding earning assets | 1.1712% | 2,769 |
| Net interest margin | 3.2317% | 6,056 |
| Noninterest income to average assets | 0.2704% | 5,706 |
| Noninterest expense to average assets | 1.7464% | 7,138 |
| Loan and lease loss provision to assets | 0.0697% | 5,435 |
| Net operating income to assets | 1.0786% | 1,939 |
| Return on assets (ROA) | 1.0840% | 2,013 |
| Pretax return on assets | 1.5620% | 1,352 |
| Return on Equity (ROE) | 7.1194% | 3,394 |
| Retained earnings to average equity (ytd only) | 5.0736% | 2,957 |
| Net charge-offs to loans | 0.0797% | 4,845 |
| Credit loss provision to net charge-offs | 150.0000% | 2,038 |
| Earnings coverage of net charge-offs (x) | 34.9333% | 822 |
| Efficiency ratio | 51.6092% | 6,820 |
| Assets per employee ($millions) | 5.3587% | 1,700 |
| Cash dividends to net income (ytd only)* | 28.7348% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1468% | 5,770 |
| Loan loss allowance to noncurrent loans | 375.0542% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.1756% | 6,661 |
| Noncurrent loans to loans | 0.3058% | 6,311 |
| Net loans and leases to total assets | 56.7621% | 4,858 |
| Net loans and leases to deposits | 67.6967% | 4,758 |
| Net loans and leases to core deposits | 70.4335% | 5,020 |
| Total domestic deposits to total assets | 83.8477% | 4,416 |
| Equity capital to assets | 15.2878% | 750 |
| Core capital (leverage) ratio | 14.7527% | 717 |
| Tier 1 risk-based capital ratio | 24.2210% | 982 |
| Total risk-based capital ratio | 25.3671% | 974 |
| Memoranda: | ||
| Average total assets | $258,126,330 | 2,473 |
| Average earning assets | $247,609,330 | 2,351 |
| Average equity | $39,301,330 | 1,708 |
| Average total loans | $150,574,330 | 2,675 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4044% | 5,678 |
| Cost of funding earning assets | 1.2002% | 2,815 |
| Net interest margin | 3.2042% | 6,060 |
| Noninterest income to average assets | 0.2626% | 5,786 |
| Noninterest expense to average assets | 1.7303% | 7,204 |
| Loan and lease loss provision to assets | 0.0703% | 5,118 |
| Net operating income to assets | 1.0615% | 1,970 |
| Return on assets (ROA) | 1.0723% | 1,990 |
| Pretax return on assets | 1.5490% | 1,300 |
| Return on Equity (ROE) | 7.0574% | 3,349 |
| Retained earnings to average equity (ytd only) | 7.0369% | 2,132 |
| Net charge-offs to loans | 0.1648% | 3,491 |
| Credit loss provision to net charge-offs | 72.5806% | 3,304 |
| Earnings coverage of net charge-offs (x) | 16.5484% | 1,261 |
| Efficiency ratio | 51.6643% | 6,879 |
| Assets per employee ($millions) | 5.4618% | 1,608 |
| Cash dividends to net income (ytd only)* | 0.2915% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 5,828 |
| Loan loss allowance to noncurrent loans | 382.2727% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.1678% | 6,744 |
| Noncurrent loans to loans | 0.3018% | 6,386 |
| Net loans and leases to total assets | 54.9721% | 5,161 |
| Net loans and leases to deposits | 65.3755% | 5,067 |
| Net loans and leases to core deposits | 68.2521% | 5,263 |
| Total domestic deposits to total assets | 84.0867% | 4,459 |
| Equity capital to assets | 15.0021% | 769 |
| Core capital (leverage) ratio | 14.8041% | 692 |
| Tier 1 risk-based capital ratio | 24.9334% | 881 |
| Total risk-based capital ratio | 26.0923% | 874 |
| Memoranda: | ||
| Average total assets | $255,902,000 | 2,511 |
| Average earning assets | $245,300,500 | 2,394 |
| Average equity | $38,881,000 | 1,710 |
| Average total loans | $150,475,500 | 2,710 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9636% | 4,727 |
| Cost of funding earning assets | 1.3709% | 3,450 |
| Net interest margin | 3.5927% | 4,857 |
| Noninterest income to average assets | 0.3076% | 5,597 |
| Noninterest expense to average assets | 1.9590% | 7,088 |
| Loan and lease loss provision to assets | 0.0582% | 6,555 |
| Net operating income to assets | 1.1893% | 1,439 |
| Return on assets (ROA) | 1.1950% | 1,508 |
| Pretax return on assets | 1.7286% | 893 |
| Return on Equity (ROE) | 7.2787% | 2,993 |
| Retained earnings to average equity (ytd only) | 5.1713% | 2,330 |
| Net charge-offs to loans | 0.0181% | 6,633 |
| Credit loss provision to net charge-offs | 500.0000% | 451 |
| Earnings coverage of net charge-offs (x) | 152.7037% | 163 |
| Efficiency ratio | 52.1353% | 6,978 |
| Assets per employee ($millions) | 5.3115% | 1,740 |
| Cash dividends to net income (ytd only)* | 28.9531% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 5,967 |
| Loan loss allowance to noncurrent loans | 378.3964% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.1799% | 6,780 |
| Noncurrent loans to loans | 0.2894% | 6,480 |
| Net loans and leases to total assets | 61.4697% | 4,402 |
| Net loans and leases to deposits | 73.4689% | 4,284 |
| Net loans and leases to core deposits | 76.7089% | 4,619 |
| Total domestic deposits to total assets | 83.6677% | 4,518 |
| Equity capital to assets | 15.3950% | 699 |
| Core capital (leverage) ratio | 15.2610% | 621 |
| Tier 1 risk-based capital ratio | 23.2354% | 1,007 |
| Total risk-based capital ratio | 24.3458% | 1,009 |
| Memoranda: | ||
| Average total assets | $231,804,400 | 2,727 |
| Average earning assets | $221,311,000 | 2,617 |
| Average equity | $38,056,200 | 1,727 |
| Average total loans | $148,774,800 | 2,796 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0077% | 4,779 |
| Cost of funding earning assets | 1.3845% | 3,673 |
| Net interest margin | 3.6232% | 4,762 |
| Noninterest income to average assets | 0.3044% | 5,719 |
| Noninterest expense to average assets | 1.8579% | 7,256 |
| Loan and lease loss provision to assets | 0.0528% | 6,554 |
| Net operating income to assets | 1.2668% | 1,420 |
| Return on assets (ROA) | 1.2744% | 1,485 |
| Pretax return on assets | 1.8626% | 825 |
| Return on Equity (ROE) | 7.6320% | 3,052 |
| Retained earnings to average equity (ytd only) | 6.5010% | 2,092 |
| Net charge-offs to loans | 0.0263% | 6,302 |
| Credit loss provision to net charge-offs | 310.3448% | 1,020 |
| Earnings coverage of net charge-offs (x) | 111.9532% | 281 |
| Efficiency ratio | 49.1037% | 7,203 |
| Assets per employee ($millions) | 5.1200% | 2,033 |
| Cash dividends to net income (ytd only)* | 14.8181% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0755% | 6,039 |
| Loan loss allowance to noncurrent loans | 372.0721% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 6,899 |
| Noncurrent loans to loans | 0.2891% | 6,610 |
| Net loans and leases to total assets | 63.1437% | 4,290 |
| Net loans and leases to deposits | 76.7326% | 4,047 |
| Net loans and leases to core deposits | 80.2803% | 4,478 |
| Total domestic deposits to total assets | 82.2906% | 4,876 |
| Equity capital to assets | 16.2770% | 622 |
| Core capital (leverage) ratio | 16.1951% | 530 |
| Tier 1 risk-based capital ratio | 23.4240% | 1,014 |
| Total risk-based capital ratio | 24.5176% | 1,005 |
| Memoranda: | ||
| Average total assets | $227,345,500 | 2,824 |
| Average earning assets | $216,965,750 | 2,702 |
| Average equity | $37,962,250 | 1,753 |
| Average total loans | $147,180,500 | 2,856 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0217% | 4,838 |
| Cost of funding earning assets | 1.3885% | 3,949 |
| Net interest margin | 3.6332% | 4,672 |
| Noninterest income to average assets | 0.3006% | 5,749 |
| Noninterest expense to average assets | 1.8796% | 7,294 |
| Loan and lease loss provision to assets | 0.0538% | 6,422 |
| Net operating income to assets | 1.2556% | 1,414 |
| Return on assets (ROA) | 1.2660% | 1,458 |
| Pretax return on assets | 1.8545% | 808 |
| Return on Equity (ROE) | 7.5133% | 3,108 |
| Retained earnings to average equity (ytd only) | 5.7987% | 2,446 |
| Net charge-offs to loans | 0.0483% | 5,714 |
| Credit loss provision to net charge-offs | 171.4286% | 2,278 |
| Earnings coverage of net charge-offs (x) | 60.2857% | 513 |
| Efficiency ratio | 49.5363% | 7,255 |
| Assets per employee ($millions) | 4.8513% | 2,372 |
| Cash dividends to net income (ytd only)* | 22.8207% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 5,972 |
| Loan loss allowance to noncurrent loans | 473.9003% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.1496% | 7,015 |
| Noncurrent loans to loans | 0.2308% | 6,776 |
| Net loans and leases to total assets | 64.0874% | 4,246 |
| Net loans and leases to deposits | 78.2876% | 3,916 |
| Net loans and leases to core deposits | 81.8946% | 4,433 |
| Total domestic deposits to total assets | 81.8615% | 5,049 |
| Equity capital to assets | 16.7136% | 568 |
| Core capital (leverage) ratio | 16.2729% | 532 |
| Tier 1 risk-based capital ratio | 23.9902% | 944 |
| Total risk-based capital ratio | 25.1101% | 935 |
| Memoranda: | ||
| Average total assets | $222,914,000 | 2,894 |
| Average earning assets | $213,035,000 | 2,774 |
| Average equity | $37,560,000 | 1,770 |
| Average total loans | $145,040,330 | 2,924 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0010% | 5,016 |
| Cost of funding earning assets | 1.3824% | 4,290 |
| Net interest margin | 3.6186% | 4,635 |
| Noninterest income to average assets | 0.3049% | 5,704 |
| Noninterest expense to average assets | 1.8769% | 7,368 |
| Loan and lease loss provision to assets | 0.0545% | 6,115 |
| Net operating income to assets | 1.2449% | 1,413 |
| Return on assets (ROA) | 1.2597% | 1,458 |
| Pretax return on assets | 1.8497% | 805 |
| Return on Equity (ROE) | 7.4453% | 3,138 |
| Retained earnings to average equity (ytd only) | 7.4238% | 1,961 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6379% | 7,338 |
| Assets per employee ($millions) | 4.6923% | 2,660 |
| Cash dividends to net income (ytd only)* | 0.2882% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 5,861 |
| Loan loss allowance to noncurrent loans | 451.5320% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 7,069 |
| Noncurrent loans to loans | 0.2505% | 6,839 |
| Net loans and leases to total assets | 64.2607% | 4,273 |
| Net loans and leases to deposits | 78.9285% | 3,853 |
| Net loans and leases to core deposits | 82.8757% | 4,365 |
| Total domestic deposits to total assets | 81.4164% | 5,308 |
| Equity capital to assets | 17.0609% | 528 |
| Core capital (leverage) ratio | 16.4544% | 513 |
| Tier 1 risk-based capital ratio | 24.6791% | 899 |
| Total risk-based capital ratio | 25.8475% | 882 |
| Memoranda: | ||
| Average total assets | $220,365,000 | 2,984 |
| Average earning assets | $210,359,000 | 2,871 |
| Average equity | $37,285,500 | 1,803 |
| Average total loans | $143,689,000 | 3,009 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3988% | 4,703 |
| Cost of funding earning assets | 1.7864% | 4,064 |
| Net interest margin | 3.6124% | 4,509 |
| Noninterest income to average assets | 0.3349% | 5,697 |
| Noninterest expense to average assets | 2.1446% | 7,094 |
| Loan and lease loss provision to assets | 0.0564% | 7,000 |
| Net operating income to assets | 1.1027% | 1,505 |
| Return on assets (ROA) | 1.1280% | 1,477 |
| Pretax return on assets | 1.6135% | 935 |
| Return on Equity (ROE) | 6.6120% | 2,949 |
| Retained earnings to average equity (ytd only) | 4.4034% | 2,163 |
| Net charge-offs to loans | 0.1050% | 6,092 |
| Credit loss provision to net charge-offs | 82.7586% | 6,224 |
| Earnings coverage of net charge-offs (x) | 23.9517% | 919 |
| Efficiency ratio | 56.3870% | 6,965 |
| Assets per employee ($millions) | 4.6849% | 2,637 |
| Cash dividends to net income (ytd only)* | 33.4028% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 5,877 |
| Loan loss allowance to noncurrent loans | 247.0497% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.2925% | 6,714 |
| Noncurrent loans to loans | 0.4471% | 6,380 |
| Net loans and leases to total assets | 64.6920% | 4,446 |
| Net loans and leases to deposits | 79.1639% | 4,145 |
| Net loans and leases to core deposits | 101.3858% | 3,862 |
| Total domestic deposits to total assets | 81.7191% | 5,059 |
| Equity capital to assets | 16.7786% | 581 |
| Core capital (leverage) ratio | 16.0714% | 608 |
| Tier 1 risk-based capital ratio | 24.0786% | 940 |
| Total risk-based capital ratio | 25.2206% | 929 |
| Memoranda: | ||
| Average total assets | $212,580,600 | 3,036 |
| Average earning assets | $202,637,200 | 2,938 |
| Average equity | $36,267,400 | 1,857 |
| Average total loans | $138,153,000 | 3,120 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4368% | 4,758 |
| Cost of funding earning assets | 1.8693% | 4,050 |
| Net interest margin | 3.5675% | 4,606 |
| Noninterest income to average assets | 0.3266% | 5,872 |
| Noninterest expense to average assets | 2.0619% | 7,263 |
| Loan and lease loss provision to assets | 0.0570% | 6,797 |
| Net operating income to assets | 1.1221% | 1,666 |
| Return on assets (ROA) | 1.1562% | 1,631 |
| Pretax return on assets | 1.6587% | 1,048 |
| Return on Equity (ROE) | 6.7481% | 3,183 |
| Retained earnings to average equity (ytd only) | 5.5625% | 2,169 |
| Net charge-offs to loans | 0.1200% | 5,500 |
| Credit loss provision to net charge-offs | 73.1707% | 5,918 |
| Earnings coverage of net charge-offs (x) | 21.4141% | 1,200 |
| Efficiency ratio | 54.9050% | 7,126 |
| Assets per employee ($millions) | 4.5772% | 2,732 |
| Cash dividends to net income (ytd only)* | 17.5698% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 5,588 |
| Loan loss allowance to noncurrent loans | 223.9038% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.3286% | 6,658 |
| Noncurrent loans to loans | 0.5011% | 6,307 |
| Net loans and leases to total assets | 64.8430% | 4,687 |
| Net loans and leases to deposits | 80.3160% | 4,336 |
| Net loans and leases to core deposits | 104.5329% | 3,868 |
| Total domestic deposits to total assets | 80.7348% | 5,180 |
| Equity capital to assets | 17.2190% | 601 |
| Core capital (leverage) ratio | 16.4667% | 616 |
| Tier 1 risk-based capital ratio | 24.3467% | 971 |
| Total risk-based capital ratio | 25.4992% | 953 |
| Memoranda: | ||
| Average total assets | $210,678,000 | 3,080 |
| Average earning assets | $200,922,500 | 2,971 |
| Average equity | $36,098,000 | 1,884 |
| Average total loans | $136,682,000 | 3,181 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4812% | 4,728 |
| Cost of funding earning assets | 1.9134% | 4,199 |
| Net interest margin | 3.5678% | 4,505 |
| Noninterest income to average assets | 0.3165% | 5,977 |
| Noninterest expense to average assets | 2.0603% | 7,357 |
| Loan and lease loss provision to assets | 0.0574% | 6,644 |
| Net operating income to assets | 1.1126% | 1,729 |
| Return on assets (ROA) | 1.1587% | 1,666 |
| Pretax return on assets | 1.6626% | 1,087 |
| Return on Equity (ROE) | 6.7742% | 3,295 |
| Retained earnings to average equity (ytd only) | 4.9800% | 2,519 |
| Net charge-offs to loans | 0.0932% | 5,252 |
| Credit loss provision to net charge-offs | 95.2381% | 4,763 |
| Earnings coverage of net charge-offs (x) | 27.4603% | 1,057 |
| Efficiency ratio | 55.0837% | 7,220 |
| Assets per employee ($millions) | 4.5469% | 2,701 |
| Cash dividends to net income (ytd only)* | 26.4851% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 5,028 |
| Loan loss allowance to noncurrent loans | 206.0026% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 6,539 |
| Noncurrent loans to loans | 0.5768% | 6,105 |
| Net loans and leases to total assets | 62.7709% | 5,222 |
| Net loans and leases to deposits | 79.2879% | 4,660 |
| Net loans and leases to core deposits | 102.3016% | 4,262 |
| Total domestic deposits to total assets | 79.1684% | 5,760 |
| Equity capital to assets | 16.8186% | 690 |
| Core capital (leverage) ratio | 16.4925% | 677 |
| Tier 1 risk-based capital ratio | 24.8394% | 957 |
| Total risk-based capital ratio | 26.0579% | 944 |
| Memoranda: | ||
| Average total assets | $209,194,330 | 3,112 |
| Average earning assets | $199,227,670 | 3,012 |
| Average equity | $35,783,000 | 1,904 |
| Average total loans | $135,216,330 | 3,242 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6261% | 4,206 |
| Cost of funding earning assets | 1.9791% | 4,246 |
| Net interest margin | 3.6470% | 4,113 |
| Noninterest income to average assets | 0.2938% | 6,087 |
| Noninterest expense to average assets | 1.9523% | 7,441 |
| Loan and lease loss provision to assets | 0.0580% | 6,235 |
| Net operating income to assets | 1.2106% | 1,629 |
| Return on assets (ROA) | 1.2119% | 1,735 |
| Pretax return on assets | 1.7512% | 1,076 |
| Return on Equity (ROE) | 7.0245% | 3,582 |
| Retained earnings to average equity (ytd only) | 7.0133% | 2,203 |
| Net charge-offs to loans | 0.0326% | 5,057 |
| Credit loss provision to net charge-offs | 272.7273% | 1,749 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 498 |
| Efficiency ratio | 51.5167% | 7,467 |
| Assets per employee ($millions) | 4.3798% | 2,923 |
| Cash dividends to net income (ytd only)* | 0.1595% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2403% | 4,523 |
| Loan loss allowance to noncurrent loans | 176.1853% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.4508% | 6,139 |
| Noncurrent loans to loans | 0.7040% | 5,654 |
| Net loans and leases to total assets | 63.2438% | 5,115 |
| Net loans and leases to deposits | 80.6737% | 4,506 |
| Net loans and leases to core deposits | 105.5829% | 3,959 |
| Total domestic deposits to total assets | 78.3946% | 5,889 |
| Equity capital to assets | 17.4680% | 674 |
| Core capital (leverage) ratio | 16.8207% | 672 |
| Tier 1 risk-based capital ratio | 25.1468% | 969 |
| Total risk-based capital ratio | 26.3967% | 945 |
| Memoranda: | ||
| Average total assets | $206,939,500 | 3,158 |
| Average earning assets | $196,656,500 | 3,058 |
| Average equity | $35,703,500 | 1,916 |
| Average total loans | $134,946,000 | 3,271 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0493% | 5,303 |
| Cost of funding earning assets | 2.4062% | 4,699 |
| Net interest margin | 3.6431% | 4,709 |
| Noninterest income to average assets | 0.3239% | 6,133 |
| Noninterest expense to average assets | 2.0534% | 7,339 |
| Loan and lease loss provision to assets | 0.0606% | 6,646 |
| Net operating income to assets | 1.1571% | 1,919 |
| Return on assets (ROA) | 1.1631% | 1,824 |
| Pretax return on assets | 1.6725% | 1,211 |
| Return on Equity (ROE) | 6.7270% | 3,661 |
| Retained earnings to average equity (ytd only) | 4.3834% | 2,391 |
| Net charge-offs to loans | 0.0257% | 6,475 |
| Credit loss provision to net charge-offs | 363.6364% | 1,217 |
| Earnings coverage of net charge-offs (x) | 103.4242% | 418 |
| Efficiency ratio | 53.8585% | 7,279 |
| Assets per employee ($millions) | 4.4261% | 2,736 |
| Cash dividends to net income (ytd only)* | 34.8393% | 3,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1704% | 4,772 |
| Loan loss allowance to noncurrent loans | 176.8053% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.4394% | 5,900 |
| Noncurrent loans to loans | 0.6620% | 5,380 |
| Net loans and leases to total assets | 65.5936% | 4,932 |
| Net loans and leases to deposits | 84.1482% | 4,405 |
| Net loans and leases to core deposits | 110.7762% | 3,709 |
| Total domestic deposits to total assets | 77.9501% | 5,729 |
| Equity capital to assets | 17.0405% | 777 |
| Core capital (leverage) ratio | 16.6426% | 739 |
| Tier 1 risk-based capital ratio | 23.7576% | 1,116 |
| Total risk-based capital ratio | 24.9565% | 1,094 |
| Memoranda: | ||
| Average total assets | $197,912,400 | 3,167 |
| Average earning assets | $187,642,400 | 3,074 |
| Average equity | $34,220,400 | 1,984 |
| Average total loans | $128,207,400 | 3,302 |