Home > Citizens National Bank of Texas > Performance and Condition Ratios
Citizens National Bank of Texas, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5655% | 1,081 |
| Cost of funding earning assets | 0.8308% | 3,661 |
| Net interest margin | 4.7347% | 454 |
| Noninterest income to average assets | 0.8200% | 901 |
| Noninterest expense to average assets | 2.3600% | 2,699 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 2.2671% | 313 |
| Return on assets (ROA) | 2.2671% | 304 |
| Pretax return on assets | 2.8045% | 252 |
| Return on Equity (ROE) | 20.8300% | 546 |
| Retained earnings to average equity (ytd only) | 12.7968% | 527 |
| Net charge-offs to loans | 0.0307% | 1,683 |
| Credit loss provision to net charge-offs | 189.6882% | 1,263 |
| Earnings coverage of net charge-offs (x) | 122.5252% | 815 |
| Efficiency ratio | 45.4275% | 4,214 |
| Assets per employee ($millions) | 10.6817% | 586 |
| Cash dividends to net income (ytd only)* | 38.5736% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0842% | 2,914 |
| Loan loss allowance to noncurrent loans | 1,097.3665% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.6339% | 857 |
| Noncurrent loans to loans | 0.0988% | 3,043 |
| Net loans and leases to total assets | 83.8800% | 281 |
| Net loans and leases to deposits | 96.4585% | 746 |
| Net loans and leases to core deposits | 97.8645% | 1,548 |
| Total domestic deposits to total assets | 86.9600% | 1,695 |
| Equity capital to assets | 12.3966% | 1,010 |
| Core capital (leverage) ratio | 12.1811% | 1,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3820% | 1,424 |
| Memoranda: | ||
| Average total assets | $1,802,194,800 | 625 |
| Average earning assets | $1,663,788,800 | 619 |
| Average equity | $196,120,000 | 548 |
| Average total loans | $1,357,392,200 | 561 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4381% | 1,087 |
| Cost of funding earning assets | 0.7145% | 3,732 |
| Net interest margin | 4.7235% | 447 |
| Noninterest income to average assets | 0.7900% | 971 |
| Noninterest expense to average assets | 2.2112% | 3,052 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 2.3054% | 327 |
| Return on assets (ROA) | 2.3054% | 320 |
| Pretax return on assets | 2.9102% | 254 |
| Return on Equity (ROE) | 21.8800% | 572 |
| Retained earnings to average equity (ytd only) | 13.7225% | 713 |
| Net charge-offs to loans | 0.0439% | 1,260 |
| Credit loss provision to net charge-offs | 111.0860% | 1,543 |
| Earnings coverage of net charge-offs (x) | 91.2986% | 967 |
| Efficiency ratio | 42.9714% | 4,271 |
| Assets per employee ($millions) | 11.5071% | 431 |
| Cash dividends to net income (ytd only)* | 37.2847% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1104% | 2,809 |
| Loan loss allowance to noncurrent loans | 1,068.9093% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.5920% | 991 |
| Noncurrent loans to loans | 0.1039% | 3,056 |
| Net loans and leases to total assets | 77.3600% | 960 |
| Net loans and leases to deposits | 88.2728% | 1,362 |
| Net loans and leases to core deposits | 89.5551% | 1,958 |
| Total domestic deposits to total assets | 87.6400% | 1,688 |
| Equity capital to assets | 11.6637% | 1,133 |
| Core capital (leverage) ratio | 11.0264% | 1,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4947% | 1,426 |
| Memoranda: | ||
| Average total assets | $1,833,485,750 | 616 |
| Average earning assets | $1,691,908,250 | 612 |
| Average equity | $193,176,500 | 549 |
| Average total loans | $1,341,221,250 | 568 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1804% | 1,239 |
| Cost of funding earning assets | 0.6227% | 3,700 |
| Net interest margin | 4.5577% | 572 |
| Noninterest income to average assets | 0.7600% | 956 |
| Noninterest expense to average assets | 2.0329% | 3,514 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 2.2571% | 323 |
| Return on assets (ROA) | 2.2571% | 316 |
| Pretax return on assets | 2.8452% | 235 |
| Return on Equity (ROE) | 22.1600% | 534 |
| Retained earnings to average equity (ytd only) | 13.8653% | 701 |
| Net charge-offs to loans | 0.0710% | 853 |
| Credit loss provision to net charge-offs | 283.9662% | 888 |
| Earnings coverage of net charge-offs (x) | 58.2848% | 1,208 |
| Efficiency ratio | 40.6993% | 4,372 |
| Assets per employee ($millions) | 11.9187% | 384 |
| Cash dividends to net income (ytd only)* | 37.4293% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 2,560 |
| Loan loss allowance to noncurrent loans | 406.9547% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.6364% | 836 |
| Noncurrent loans to loans | 0.2890% | 2,101 |
| Net loans and leases to total assets | 73.8200% | 1,316 |
| Net loans and leases to deposits | 83.3326% | 1,736 |
| Net loans and leases to core deposits | 84.2535% | 2,195 |
| Total domestic deposits to total assets | 88.5800% | 1,385 |
| Equity capital to assets | 10.8169% | 1,456 |
| Core capital (leverage) ratio | 10.6153% | 2,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1244% | 1,538 |
| Memoranda: | ||
| Average total assets | $1,865,456,667 | 600 |
| Average earning assets | $1,734,414,667 | 587 |
| Average equity | $190,013,667 | 549 |
| Average total loans | $1,335,205,333 | 556 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0365% | 1,160 |
| Cost of funding earning assets | 0.5518% | 3,526 |
| Net interest margin | 4.4847% | 597 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 2.2309% | 3,009 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 2.1463% | 404 |
| Return on assets (ROA) | 2.1463% | 399 |
| Pretax return on assets | 2.5001% | 359 |
| Return on Equity (ROE) | 21.7200% | 604 |
| Retained earnings to average equity (ytd only) | 13.2892% | 1,046 |
| Net charge-offs to loans | 0.1267% | 515 |
| Credit loss provision to net charge-offs | 232.6190% | 772 |
| Earnings coverage of net charge-offs (x) | 29.9786% | 1,304 |
| Efficiency ratio | 45.5995% | 4,244 |
| Assets per employee ($millions) | 12.6004% | 338 |
| Cash dividends to net income (ytd only)* | 38.8024% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1784% | 2,670 |
| Loan loss allowance to noncurrent loans | 684.5546% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.5516% | 939 |
| Noncurrent loans to loans | 0.1721% | 2,619 |
| Net loans and leases to total assets | 69.6900% | 1,658 |
| Net loans and leases to deposits | 78.0959% | 1,965 |
| Net loans and leases to core deposits | 78.6760% | 2,343 |
| Total domestic deposits to total assets | 89.2300% | 1,454 |
| Equity capital to assets | 10.0670% | 1,783 |
| Core capital (leverage) ratio | 9.9354% | 2,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9085% | 1,655 |
| Memoranda: | ||
| Average total assets | $1,892,367,000 | 603 |
| Average earning assets | $1,761,471,000 | 589 |
| Average equity | $187,039,000 | 566 |
| Average total loans | $1,326,213,500 | 570 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9737% | 1,780 |
| Cost of funding earning assets | 0.2635% | 3,217 |
| Net interest margin | 3.7102% | 1,356 |
| Noninterest income to average assets | 0.8700% | 852 |
| Noninterest expense to average assets | 2.0652% | 3,401 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.7376% | 503 |
| Return on assets (ROA) | 1.7376% | 478 |
| Pretax return on assets | 2.1322% | 357 |
| Return on Equity (ROE) | 19.6300% | 516 |
| Retained earnings to average equity (ytd only) | 12.7063% | 550 |
| Net charge-offs to loans | 0.0821% | 837 |
| Credit loss provision to net charge-offs | 293.2551% | 921 |
| Earnings coverage of net charge-offs (x) | 43.1329% | 1,457 |
| Efficiency ratio | 47.4440% | 4,279 |
| Assets per employee ($millions) | 12.6310% | 330 |
| Cash dividends to net income (ytd only)* | 35.2688% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 3,017 |
| Loan loss allowance to noncurrent loans | 651.3921% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.5384% | 932 |
| Noncurrent loans to loans | 0.1649% | 2,660 |
| Net loans and leases to total assets | 68.9000% | 1,744 |
| Net loans and leases to deposits | 76.7731% | 2,052 |
| Net loans and leases to core deposits | 77.3207% | 2,326 |
| Total domestic deposits to total assets | 89.7500% | 1,467 |
| Equity capital to assets | 9.7036% | 1,884 |
| Core capital (leverage) ratio | 9.3934% | 3,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2869% | 1,856 |
| Memoranda: | ||
| Average total assets | $1,928,764,000 | 576 |
| Average earning assets | $1,812,809,800 | 557 |
| Average equity | $170,733,800 | 610 |
| Average total loans | $1,245,998,400 | 563 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6733% | 2,115 |
| Cost of funding earning assets | 0.2231% | 3,012 |
| Net interest margin | 3.4502% | 1,806 |
| Noninterest income to average assets | 0.8600% | 906 |
| Noninterest expense to average assets | 2.0184% | 3,433 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 1.4805% | 891 |
| Return on assets (ROA) | 1.4805% | 876 |
| Pretax return on assets | 1.9061% | 576 |
| Return on Equity (ROE) | 17.1300% | 768 |
| Retained earnings to average equity (ytd only) | 7.7031% | 2,113 |
| Net charge-offs to loans | 0.1064% | 583 |
| Credit loss provision to net charge-offs | 276.0736% | 852 |
| Earnings coverage of net charge-offs (x) | 31.0327% | 1,507 |
| Efficiency ratio | 49.1028% | 4,214 |
| Assets per employee ($millions) | 13.0352% | 295 |
| Cash dividends to net income (ytd only)* | 55.0356% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 3,019 |
| Loan loss allowance to noncurrent loans | 476.6066% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.5379% | 1,003 |
| Noncurrent loans to loans | 0.2308% | 2,467 |
| Net loans and leases to total assets | 64.4600% | 2,043 |
| Net loans and leases to deposits | 71.1058% | 2,275 |
| Net loans and leases to core deposits | 71.6321% | 2,513 |
| Total domestic deposits to total assets | 90.6500% | 1,385 |
| Equity capital to assets | 8.8495% | 2,320 |
| Core capital (leverage) ratio | 8.7040% | 3,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0176% | 2,049 |
| Memoranda: | ||
| Average total assets | $1,934,136,250 | 570 |
| Average earning assets | $1,821,120,000 | 554 |
| Average equity | $167,148,750 | 621 |
| Average total loans | $1,225,382,500 | 562 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4191% | 2,375 |
| Cost of funding earning assets | 0.1810% | 3,169 |
| Net interest margin | 3.2381% | 2,083 |
| Noninterest income to average assets | 0.9245% | 797 |
| Noninterest expense to average assets | 2.0982% | 3,150 |
| Loan and lease loss provision to assets | 0.1868% | 467 |
| Net operating income to assets | 1.2757% | 1,202 |
| Return on assets (ROA) | 1.2757% | 1,190 |
| Pretax return on assets | 1.6858% | 780 |
| Return on Equity (ROE) | 14.8625% | 923 |
| Retained earnings to average equity (ytd only) | 5.3362% | 2,575 |
| Net charge-offs to loans | -0.0559% | 4,281 |
| Credit loss provision to net charge-offs | -532.5444% | 3,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8406% | 4,059 |
| Assets per employee ($millions) | 13.0348% | 287 |
| Cash dividends to net income (ytd only)* | 64.0963% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1576% | 2,898 |
| Loan loss allowance to noncurrent loans | 294.6111% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.6632% | 828 |
| Noncurrent loans to loans | 0.3929% | 1,955 |
| Net loans and leases to total assets | 63.4536% | 1,970 |
| Net loans and leases to deposits | 69.8532% | 2,220 |
| Net loans and leases to core deposits | 70.3811% | 2,465 |
| Total domestic deposits to total assets | 90.8385% | 1,316 |
| Equity capital to assets | 8.6396% | 2,660 |
| Core capital (leverage) ratio | 8.4426% | 4,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9839% | 2,065 |
| Memoranda: | ||
| Average total assets | $1,927,339,333 | 568 |
| Average earning assets | $1,813,233,333 | 555 |
| Average equity | $165,436,667 | 642 |
| Average total loans | $1,209,067,000 | 562 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2811% | 2,442 |
| Cost of funding earning assets | 0.1818% | 3,064 |
| Net interest margin | 3.0993% | 2,178 |
| Noninterest income to average assets | 1.0044% | 671 |
| Noninterest expense to average assets | 2.1541% | 2,962 |
| Loan and lease loss provision to assets | 0.1875% | 401 |
| Net operating income to assets | 1.1696% | 1,327 |
| Return on assets (ROA) | 1.1696% | 1,325 |
| Pretax return on assets | 1.5782% | 864 |
| Return on Equity (ROE) | 13.6713% | 896 |
| Retained earnings to average equity (ytd only) | 4.0765% | 2,909 |
| Net charge-offs to loans | -0.0313% | 4,102 |
| Credit loss provision to net charge-offs | -967.7419% | 3,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9538% | 3,982 |
| Assets per employee ($millions) | 13.2628% | 294 |
| Cash dividends to net income (ytd only)* | 70.1817% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 3,323 |
| Loan loss allowance to noncurrent loans | 288.2430% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.6636% | 882 |
| Noncurrent loans to loans | 0.3815% | 2,123 |
| Net loans and leases to total assets | 61.2956% | 1,933 |
| Net loans and leases to deposits | 67.4052% | 2,206 |
| Net loans and leases to core deposits | 68.0350% | 2,456 |
| Total domestic deposits to total assets | 90.9361% | 1,069 |
| Equity capital to assets | 8.4674% | 3,188 |
| Core capital (leverage) ratio | 8.4291% | 3,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1034% | 2,162 |
| Memoranda: | ||
| Average total assets | $1,919,917,000 | 573 |
| Average earning assets | $1,805,968,500 | 561 |
| Average equity | $164,257,000 | 662 |
| Average total loans | $1,190,191,500 | 567 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8591% | 1,730 |
| Cost of funding earning assets | 0.2207% | 3,244 |
| Net interest margin | 3.6384% | 1,368 |
| Noninterest income to average assets | 1.0123% | 982 |
| Noninterest expense to average assets | 2.1391% | 3,275 |
| Loan and lease loss provision to assets | 0.2046% | 510 |
| Net operating income to assets | 1.6652% | 686 |
| Return on assets (ROA) | 1.6652% | 718 |
| Pretax return on assets | 2.0809% | 519 |
| Return on Equity (ROE) | 19.6195% | 333 |
| Retained earnings to average equity (ytd only) | 9.0676% | 1,178 |
| Net charge-offs to loans | 0.1124% | 791 |
| Credit loss provision to net charge-offs | 272.7273% | 1,121 |
| Earnings coverage of net charge-offs (x) | 30.4682% | 1,594 |
| Efficiency ratio | 48.3457% | 4,381 |
| Assets per employee ($millions) | 13.0358% | 313 |
| Cash dividends to net income (ytd only)* | 53.7829% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 3,577 |
| Loan loss allowance to noncurrent loans | 308.7644% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.6512% | 997 |
| Noncurrent loans to loans | 0.3397% | 2,360 |
| Net loans and leases to total assets | 61.3565% | 2,024 |
| Net loans and leases to deposits | 67.5023% | 2,356 |
| Net loans and leases to core deposits | 68.1762% | 2,637 |
| Total domestic deposits to total assets | 90.8955% | 527 |
| Equity capital to assets | 8.6462% | 3,940 |
| Core capital (leverage) ratio | 8.5482% | 3,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4646% | 2,061 |
| Memoranda: | ||
| Average total assets | $1,759,698,800 | 596 |
| Average earning assets | $1,650,384,400 | 583 |
| Average equity | $149,356,600 | 717 |
| Average total loans | $1,174,779,400 | 568 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9845% | 1,575 |
| Cost of funding earning assets | 0.2310% | 3,318 |
| Net interest margin | 3.7535% | 1,218 |
| Noninterest income to average assets | 0.9987% | 1,071 |
| Noninterest expense to average assets | 2.1533% | 3,214 |
| Loan and lease loss provision to assets | 0.2084% | 479 |
| Net operating income to assets | 1.7524% | 740 |
| Return on assets (ROA) | 1.7524% | 772 |
| Pretax return on assets | 2.1542% | 604 |
| Return on Equity (ROE) | 20.7522% | 374 |
| Retained earnings to average equity (ytd only) | 9.9459% | 1,333 |
| Net charge-offs to loans | 0.1522% | 546 |
| Credit loss provision to net charge-offs | 201.1923% | 1,202 |
| Earnings coverage of net charge-offs (x) | 22.8048% | 1,677 |
| Efficiency ratio | 47.6828% | 4,390 |
| Assets per employee ($millions) | 12.5820% | 332 |
| Cash dividends to net income (ytd only)* | 52.0728% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9638% | 3,965 |
| Loan loss allowance to noncurrent loans | 291.3166% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.6613% | 1,139 |
| Noncurrent loans to loans | 0.3308% | 2,597 |
| Net loans and leases to total assets | 63.1864% | 1,870 |
| Net loans and leases to deposits | 69.1686% | 2,317 |
| Net loans and leases to core deposits | 69.8401% | 2,609 |
| Total domestic deposits to total assets | 91.3513% | 273 |
| Equity capital to assets | 8.2059% | 4,404 |
| Core capital (leverage) ratio | 8.2346% | 4,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3986% | 2,584 |
| Memoranda: | ||
| Average total assets | $1,727,074,000 | 609 |
| Average earning assets | $1,618,389,500 | 596 |
| Average equity | $145,838,000 | 748 |
| Average total loans | $1,175,460,750 | 581 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0892% | 1,367 |
| Cost of funding earning assets | 0.2373% | 3,405 |
| Net interest margin | 3.8518% | 1,064 |
| Noninterest income to average assets | 0.8605% | 1,375 |
| Noninterest expense to average assets | 2.1509% | 3,237 |
| Loan and lease loss provision to assets | 0.2135% | 507 |
| Net operating income to assets | 1.6639% | 932 |
| Return on assets (ROA) | 1.6639% | 984 |
| Pretax return on assets | 2.1012% | 681 |
| Return on Equity (ROE) | 19.5037% | 499 |
| Retained earnings to average equity (ytd only) | 8.5486% | 1,875 |
| Net charge-offs to loans | -0.0242% | 4,060 |
| Credit loss provision to net charge-offs | -1,267.6056% | 3,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1661% | 4,374 |
| Assets per employee ($millions) | 11.3139% | 422 |
| Cash dividends to net income (ytd only)* | 56.1694% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 3,788 |
| Loan loss allowance to noncurrent loans | 261.3333% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.7263% | 1,133 |
| Noncurrent loans to loans | 0.3865% | 2,515 |
| Net loans and leases to total assets | 65.9676% | 1,700 |
| Net loans and leases to deposits | 72.3041% | 2,178 |
| Net loans and leases to core deposits | 72.9894% | 2,522 |
| Total domestic deposits to total assets | 91.2364% | 299 |
| Equity capital to assets | 8.2780% | 4,370 |
| Core capital (leverage) ratio | 8.2512% | 4,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5678% | 2,521 |
| Memoranda: | ||
| Average total assets | $1,686,247,000 | 619 |
| Average earning assets | $1,578,268,000 | 607 |
| Average equity | $143,860,000 | 750 |
| Average total loans | $1,173,934,000 | 585 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0990% | 1,385 |
| Cost of funding earning assets | 0.2411% | 3,552 |
| Net interest margin | 3.8579% | 1,048 |
| Noninterest income to average assets | 0.8157% | 1,544 |
| Noninterest expense to average assets | 2.1711% | 3,195 |
| Loan and lease loss provision to assets | 0.2193% | 531 |
| Net operating income to assets | 1.6317% | 1,058 |
| Return on assets (ROA) | 1.6317% | 1,110 |
| Pretax return on assets | 2.0365% | 894 |
| Return on Equity (ROE) | 18.8234% | 641 |
| Retained earnings to average equity (ytd only) | 7.7459% | 2,336 |
| Net charge-offs to loans | -0.0294% | 4,164 |
| Credit loss provision to net charge-offs | -1,046.5116% | 3,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0421% | 4,262 |
| Assets per employee ($millions) | 10.6978% | 486 |
| Cash dividends to net income (ytd only)* | 58.8499% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9187% | 4,104 |
| Loan loss allowance to noncurrent loans | 97.0534% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.7062% | 1,323 |
| Noncurrent loans to loans | 0.9466% | 1,433 |
| Net loans and leases to total assets | 69.7551% | 1,327 |
| Net loans and leases to deposits | 76.5346% | 1,846 |
| Net loans and leases to core deposits | 77.2203% | 2,239 |
| Total domestic deposits to total assets | 91.1419% | 352 |
| Equity capital to assets | 8.4450% | 4,158 |
| Core capital (leverage) ratio | 8.6721% | 3,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5112% | 2,486 |
| Memoranda: | ||
| Average total assets | $1,641,228,500 | 623 |
| Average earning assets | $1,536,273,000 | 613 |
| Average equity | $142,269,500 | 746 |
| Average total loans | $1,169,037,000 | 583 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9014% | 594 |
| Cost of funding earning assets | 0.4059% | 3,541 |
| Net interest margin | 4.4955% | 333 |
| Noninterest income to average assets | 1.0360% | 985 |
| Noninterest expense to average assets | 2.4763% | 2,919 |
| Loan and lease loss provision to assets | 0.2169% | 1,810 |
| Net operating income to assets | 1.9817% | 272 |
| Return on assets (ROA) | 1.9817% | 292 |
| Pretax return on assets | 2.5186% | 183 |
| Return on Equity (ROE) | 20.4206% | 214 |
| Retained earnings to average equity (ytd only) | 8.8283% | 810 |
| Net charge-offs to loans | 0.1336% | 1,208 |
| Credit loss provision to net charge-offs | 206.4694% | 2,132 |
| Earnings coverage of net charge-offs (x) | 26.0399% | 1,727 |
| Efficiency ratio | 47.5134% | 4,652 |
| Assets per employee ($millions) | 10.2033% | 495 |
| Cash dividends to net income (ytd only)* | 56.7676% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8780% | 4,252 |
| Loan loss allowance to noncurrent loans | 86.2161% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 0.7772% | 1,315 |
| Noncurrent loans to loans | 1.0183% | 1,395 |
| Net loans and leases to total assets | 71.4863% | 1,368 |
| Net loans and leases to deposits | 78.7940% | 1,996 |
| Net loans and leases to core deposits | 79.5260% | 2,404 |
| Total domestic deposits to total assets | 90.7255% | 297 |
| Equity capital to assets | 8.9089% | 4,137 |
| Core capital (leverage) ratio | 8.8520% | 3,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6593% | 2,381 |
| Memoranda: | ||
| Average total assets | $1,383,146,600 | 661 |
| Average earning assets | $1,284,786,200 | 658 |
| Average equity | $134,227,200 | 748 |
| Average total loans | $1,087,346,800 | 592 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9818% | 626 |
| Cost of funding earning assets | 0.4277% | 3,651 |
| Net interest margin | 4.5541% | 339 |
| Noninterest income to average assets | 1.0291% | 983 |
| Noninterest expense to average assets | 2.5505% | 2,690 |
| Loan and lease loss provision to assets | 0.2100% | 1,913 |
| Net operating income to assets | 1.9434% | 333 |
| Return on assets (ROA) | 1.9434% | 366 |
| Pretax return on assets | 2.4876% | 215 |
| Return on Equity (ROE) | 19.5508% | 255 |
| Retained earnings to average equity (ytd only) | 7.8634% | 1,351 |
| Net charge-offs to loans | -0.0392% | 4,608 |
| Credit loss provision to net charge-offs | -664.5570% | 3,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5988% | 4,576 |
| Assets per employee ($millions) | 9.2149% | 652 |
| Cash dividends to net income (ytd only)* | 59.7798% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9150% | 4,023 |
| Loan loss allowance to noncurrent loans | 380.7908% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.2297% | 3,301 |
| Noncurrent loans to loans | 0.2403% | 3,446 |
| Net loans and leases to total assets | 76.5793% | 1,022 |
| Net loans and leases to deposits | 84.5579% | 1,850 |
| Net loans and leases to core deposits | 85.2016% | 2,366 |
| Total domestic deposits to total assets | 90.5643% | 270 |
| Equity capital to assets | 8.8936% | 4,188 |
| Core capital (leverage) ratio | 9.0518% | 3,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3759% | 2,467 |
| Memoranda: | ||
| Average total assets | $1,333,557,250 | 671 |
| Average earning assets | $1,235,427,250 | 667 |
| Average equity | $132,560,500 | 748 |
| Average total loans | $1,074,040,500 | 588 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0703% | 729 |
| Cost of funding earning assets | 0.4399% | 3,845 |
| Net interest margin | 4.6303% | 395 |
| Noninterest income to average assets | 1.0345% | 921 |
| Noninterest expense to average assets | 2.7351% | 2,274 |
| Loan and lease loss provision to assets | 0.1897% | 2,127 |
| Net operating income to assets | 1.8756% | 421 |
| Return on assets (ROA) | 1.8756% | 467 |
| Pretax return on assets | 2.3827% | 258 |
| Return on Equity (ROE) | 18.0955% | 356 |
| Retained earnings to average equity (ytd only) | 6.3816% | 1,907 |
| Net charge-offs to loans | -0.0348% | 4,583 |
| Credit loss provision to net charge-offs | -666.6667% | 3,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5325% | 4,395 |
| Assets per employee ($millions) | 8.3119% | 864 |
| Cash dividends to net income (ytd only)* | 64.7336% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8529% | 4,182 |
| Loan loss allowance to noncurrent loans | 186.8856% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.3765% | 2,792 |
| Noncurrent loans to loans | 0.4564% | 2,781 |
| Net loans and leases to total assets | 80.0643% | 589 |
| Net loans and leases to deposits | 88.8991% | 1,460 |
| Net loans and leases to core deposits | 89.6234% | 2,102 |
| Total domestic deposits to total assets | 90.0619% | 385 |
| Equity capital to assets | 9.3191% | 3,814 |
| Core capital (leverage) ratio | 9.5666% | 3,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3009% | 2,482 |
| Memoranda: | ||
| Average total assets | $1,265,114,000 | 689 |
| Average earning assets | $1,167,471,333 | 687 |
| Average equity | $131,126,667 | 749 |
| Average total loans | $1,035,603,333 | 595 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3486% | 497 |
| Cost of funding earning assets | 0.4706% | 4,067 |
| Net interest margin | 4.8780% | 241 |
| Noninterest income to average assets | 1.0003% | 859 |
| Noninterest expense to average assets | 2.8876% | 2,159 |
| Loan and lease loss provision to assets | 0.1015% | 2,418 |
| Net operating income to assets | 1.9769% | 284 |
| Return on assets (ROA) | 1.9769% | 312 |
| Pretax return on assets | 2.4913% | 166 |
| Return on Equity (ROE) | 17.9774% | 267 |
| Retained earnings to average equity (ytd only) | 6.4763% | 1,718 |
| Net charge-offs to loans | -0.0332% | 4,507 |
| Credit loss provision to net charge-offs | -370.3704% | 3,329 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6904% | 4,492 |
| Assets per employee ($millions) | 6.8784% | 1,151 |
| Cash dividends to net income (ytd only)* | 63.9754% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8976% | 4,116 |
| Loan loss allowance to noncurrent loans | 174.3105% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.4336% | 2,728 |
| Noncurrent loans to loans | 0.5149% | 2,720 |
| Net loans and leases to total assets | 81.6221% | 479 |
| Net loans and leases to deposits | 92.2779% | 1,250 |
| Net loans and leases to core deposits | 93.0824% | 2,061 |
| Total domestic deposits to total assets | 88.4525% | 912 |
| Equity capital to assets | 10.9567% | 2,899 |
| Core capital (leverage) ratio | 10.7953% | 2,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5201% | 2,471 |
| Memoranda: | ||
| Average total assets | $1,182,844,500 | 702 |
| Average earning assets | $1,086,345,000 | 706 |
| Average equity | $130,074,500 | 748 |
| Average total loans | $976,161,000 | 611 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3702% | 711 |
| Cost of funding earning assets | 0.3352% | 4,644 |
| Net interest margin | 5.0350% | 249 |
| Noninterest income to average assets | 1.1234% | 750 |
| Noninterest expense to average assets | 3.1340% | 1,680 |
| Loan and lease loss provision to assets | 0.1058% | 1,960 |
| Net operating income to assets | 2.4067% | 153 |
| Return on assets (ROA) | 2.4067% | 162 |
| Pretax return on assets | 2.5051% | 209 |
| Return on Equity (ROE) | 22.3660% | 131 |
| Retained earnings to average equity (ytd only) | 11.6730% | 269 |
| Net charge-offs to loans | 0.0440% | 2,510 |
| Credit loss provision to net charge-offs | 289.1566% | 968 |
| Earnings coverage of net charge-offs (x) | 71.3542% | 875 |
| Efficiency ratio | 54.5528% | 4,371 |
| Assets per employee ($millions) | 6.7175% | 1,170 |
| Cash dividends to net income (ytd only)* | 47.8092% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8760% | 4,063 |
| Loan loss allowance to noncurrent loans | 315.3445% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.2395% | 3,482 |
| Noncurrent loans to loans | 0.2778% | 3,448 |
| Net loans and leases to total assets | 81.9713% | 563 |
| Net loans and leases to deposits | 92.6891% | 1,292 |
| Net loans and leases to core deposits | 93.4526% | 2,116 |
| Total domestic deposits to total assets | 88.4369% | 922 |
| Equity capital to assets | 11.0377% | 2,957 |
| Core capital (leverage) ratio | 10.7261% | 2,736 |
| Tier 1 risk-based capital ratio | 12.6680% | 3,965 |
| Total risk-based capital ratio | 13.5378% | 4,063 |
| Memoranda: | ||
| Average total assets | $1,134,186,800 | 698 |
| Average earning assets | $1,041,013,000 | 700 |
| Average equity | $122,042,200 | 749 |
| Average total loans | $944,219,800 | 608 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3381% | 796 |
| Cost of funding earning assets | 0.2956% | 4,805 |
| Net interest margin | 5.0426% | 266 |
| Noninterest income to average assets | 1.0666% | 805 |
| Noninterest expense to average assets | 3.0700% | 1,780 |
| Loan and lease loss provision to assets | 0.1066% | 1,814 |
| Net operating income to assets | 2.5161% | 157 |
| Return on assets (ROA) | 2.5161% | 165 |
| Pretax return on assets | 2.5161% | 238 |
| Return on Equity (ROE) | 23.5407% | 121 |
| Retained earnings to average equity (ytd only) | 12.7568% | 306 |
| Net charge-offs to loans | -0.0648% | 4,892 |
| Credit loss provision to net charge-offs | -197.3684% | 4,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9287% | 4,405 |
| Assets per employee ($millions) | 6.4919% | 1,279 |
| Cash dividends to net income (ytd only)* | 45.8098% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9454% | 3,844 |
| Loan loss allowance to noncurrent loans | 239.1005% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.3351% | 3,195 |
| Noncurrent loans to loans | 0.3954% | 3,129 |
| Net loans and leases to total assets | 81.4918% | 632 |
| Net loans and leases to deposits | 91.8613% | 1,453 |
| Net loans and leases to core deposits | 92.4553% | 2,322 |
| Total domestic deposits to total assets | 88.7117% | 738 |
| Equity capital to assets | 10.8663% | 3,229 |
| Core capital (leverage) ratio | 10.7691% | 2,868 |
| Tier 1 risk-based capital ratio | 12.4482% | 4,176 |
| Total risk-based capital ratio | 13.3788% | 4,244 |
| Memoranda: | ||
| Average total assets | $1,125,522,500 | 706 |
| Average earning assets | $1,032,570,500 | 705 |
| Average equity | $120,299,250 | 757 |
| Average total loans | $938,628,750 | 608 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3095% | 803 |
| Cost of funding earning assets | 0.2282% | 5,018 |
| Net interest margin | 5.0814% | 244 |
| Noninterest income to average assets | 1.0572% | 771 |
| Noninterest expense to average assets | 3.1006% | 1,730 |
| Loan and lease loss provision to assets | 0.1078% | 1,744 |
| Net operating income to assets | 2.5097% | 151 |
| Return on assets (ROA) | 2.5097% | 155 |
| Pretax return on assets | 2.5097% | 236 |
| Return on Equity (ROE) | 23.6179% | 126 |
| Retained earnings to average equity (ytd only) | 12.7818% | 322 |
| Net charge-offs to loans | -0.0907% | 4,985 |
| Credit loss provision to net charge-offs | -141.8440% | 3,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2239% | 4,448 |
| Assets per employee ($millions) | 6.0432% | 1,513 |
| Cash dividends to net income (ytd only)* | 45.8808% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9183% | 4,021 |
| Loan loss allowance to noncurrent loans | 225.9865% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.3510% | 3,128 |
| Noncurrent loans to loans | 0.4063% | 3,079 |
| Net loans and leases to total assets | 83.1143% | 457 |
| Net loans and leases to deposits | 93.6236% | 1,294 |
| Net loans and leases to core deposits | 94.1196% | 2,234 |
| Total domestic deposits to total assets | 88.7750% | 755 |
| Equity capital to assets | 10.8234% | 3,247 |
| Core capital (leverage) ratio | 10.8390% | 2,755 |
| Tier 1 risk-based capital ratio | 12.2624% | 4,261 |
| Total risk-based capital ratio | 13.1778% | 4,346 |
| Memoranda: | ||
| Average total assets | $1,113,348,670 | 710 |
| Average earning assets | $1,021,220,670 | 711 |
| Average equity | $118,308,670 | 757 |
| Average total loans | $932,835,670 | 617 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1923% | 924 |
| Cost of funding earning assets | 0.2042% | 5,108 |
| Net interest margin | 4.9881% | 284 |
| Noninterest income to average assets | 1.0400% | 740 |
| Noninterest expense to average assets | 3.2247% | 1,436 |
| Loan and lease loss provision to assets | 0.1086% | 1,636 |
| Net operating income to assets | 2.2791% | 228 |
| Return on assets (ROA) | 2.2791% | 239 |
| Pretax return on assets | 2.2791% | 375 |
| Return on Equity (ROE) | 21.6530% | 186 |
| Retained earnings to average equity (ytd only) | 11.0260% | 796 |
| Net charge-offs to loans | -0.0623% | 4,893 |
| Credit loss provision to net charge-offs | -208.3333% | 3,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4561% | 4,151 |
| Assets per employee ($millions) | 5.6886% | 1,807 |
| Cash dividends to net income (ytd only)* | 49.0788% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8631% | 4,290 |
| Loan loss allowance to noncurrent loans | 302.7571% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.2562% | 3,590 |
| Noncurrent loans to loans | 0.2851% | 3,541 |
| Net loans and leases to total assets | 85.4588% | 239 |
| Net loans and leases to deposits | 96.1565% | 953 |
| Net loans and leases to core deposits | 96.6846% | 1,879 |
| Total domestic deposits to total assets | 88.8747% | 923 |
| Equity capital to assets | 10.7970% | 3,055 |
| Core capital (leverage) ratio | 10.4665% | 3,084 |
| Tier 1 risk-based capital ratio | 11.7775% | 4,577 |
| Total risk-based capital ratio | 12.6307% | 4,700 |
| Memoranda: | ||
| Average total assets | $1,104,986,000 | 716 |
| Average earning assets | $1,012,881,500 | 718 |
| Average equity | $116,307,000 | 767 |
| Average total loans | $925,274,500 | 625 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1308% | 796 |
| Cost of funding earning assets | 0.1974% | 5,015 |
| Net interest margin | 4.9334% | 304 |
| Noninterest income to average assets | 1.2188% | 623 |
| Noninterest expense to average assets | 3.4898% | 1,006 |
| Loan and lease loss provision to assets | 0.1170% | 1,879 |
| Net operating income to assets | 2.1262% | 289 |
| Return on assets (ROA) | 2.1262% | 282 |
| Pretax return on assets | 2.1262% | 414 |
| Return on Equity (ROE) | 21.6472% | 169 |
| Retained earnings to average equity (ytd only) | 8.9673% | 880 |
| Net charge-offs to loans | 0.0864% | 1,914 |
| Credit loss provision to net charge-offs | 162.1622% | 1,711 |
| Earnings coverage of net charge-offs (x) | 31.0824% | 1,559 |
| Efficiency ratio | 60.8720% | 3,716 |
| Assets per employee ($millions) | 5.7321% | 1,732 |
| Cash dividends to net income (ytd only)* | 58.5753% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8451% | 4,375 |
| Loan loss allowance to noncurrent loans | 787.8974% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.1811% | 3,903 |
| Noncurrent loans to loans | 0.1073% | 4,249 |
| Net loans and leases to total assets | 80.6389% | 845 |
| Net loans and leases to deposits | 90.2266% | 1,766 |
| Net loans and leases to core deposits | 90.6978% | 2,512 |
| Total domestic deposits to total assets | 89.3738% | 709 |
| Equity capital to assets | 10.2605% | 3,420 |
| Core capital (leverage) ratio | 10.1712% | 3,385 |
| Tier 1 risk-based capital ratio | 11.8613% | 4,528 |
| Total risk-based capital ratio | 12.6976% | 4,656 |
| Memoranda: | ||
| Average total assets | $1,025,353,000 | 746 |
| Average earning assets | $938,230,000 | 750 |
| Average equity | $100,710,600 | 849 |
| Average total loans | $856,545,600 | 653 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0981% | 759 |
| Cost of funding earning assets | 0.1957% | 5,034 |
| Net interest margin | 4.9024% | 316 |
| Noninterest income to average assets | 1.2748% | 595 |
| Noninterest expense to average assets | 3.4988% | 983 |
| Loan and lease loss provision to assets | 0.1197% | 1,692 |
| Net operating income to assets | 2.1379% | 289 |
| Return on assets (ROA) | 2.1379% | 285 |
| Pretax return on assets | 2.1379% | 444 |
| Return on Equity (ROE) | 22.0410% | 163 |
| Retained earnings to average equity (ytd only) | 8.7651% | 1,318 |
| Net charge-offs to loans | -0.0232% | 4,673 |
| Credit loss provision to net charge-offs | -612.2449% | 4,539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7806% | 3,690 |
| Assets per employee ($millions) | 5.5763% | 1,848 |
| Cash dividends to net income (ytd only)* | 60.2327% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9158% | 4,204 |
| Loan loss allowance to noncurrent loans | 802.8155% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.1893% | 3,994 |
| Noncurrent loans to loans | 0.1141% | 4,380 |
| Net loans and leases to total assets | 81.4416% | 806 |
| Net loans and leases to deposits | 90.9777% | 1,763 |
| Net loans and leases to core deposits | 91.4286% | 2,531 |
| Total domestic deposits to total assets | 89.5182% | 669 |
| Equity capital to assets | 10.1965% | 3,457 |
| Core capital (leverage) ratio | 10.4815% | 3,102 |
| Tier 1 risk-based capital ratio | 11.6671% | 4,697 |
| Total risk-based capital ratio | 12.5730% | 4,781 |
| Memoranda: | ||
| Average total assets | $1,002,251,750 | 759 |
| Average earning assets | $916,234,750 | 764 |
| Average equity | $97,216,250 | 867 |
| Average total loans | $843,424,500 | 657 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1116% | 649 |
| Cost of funding earning assets | 0.1950% | 5,052 |
| Net interest margin | 4.9166% | 289 |
| Noninterest income to average assets | 1.3093% | 561 |
| Noninterest expense to average assets | 3.5596% | 915 |
| Loan and lease loss provision to assets | 0.1237% | 1,601 |
| Net operating income to assets | 2.1108% | 308 |
| Return on assets (ROA) | 2.1108% | 304 |
| Pretax return on assets | 2.1108% | 479 |
| Return on Equity (ROE) | 22.1901% | 156 |
| Retained earnings to average equity (ytd only) | 7.9082% | 1,665 |
| Net charge-offs to loans | -0.0425% | 4,865 |
| Credit loss provision to net charge-offs | -342.8571% | 4,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4353% | 3,705 |
| Assets per employee ($millions) | 4.9946% | 2,426 |
| Cash dividends to net income (ytd only)* | 64.3618% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9331% | 4,191 |
| Loan loss allowance to noncurrent loans | 734.3434% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.2140% | 3,927 |
| Noncurrent loans to loans | 0.1271% | 4,340 |
| Net loans and leases to total assets | 84.9978% | 352 |
| Net loans and leases to deposits | 94.1419% | 1,340 |
| Net loans and leases to core deposits | 94.6516% | 2,162 |
| Total domestic deposits to total assets | 90.2869% | 469 |
| Equity capital to assets | 9.4389% | 4,158 |
| Core capital (leverage) ratio | 9.2377% | 4,429 |
| Tier 1 risk-based capital ratio | 10.2481% | 5,355 |
| Total risk-based capital ratio | 11.1688% | 5,395 |
| Memoranda: | ||
| Average total assets | $970,159,000 | 791 |
| Average earning assets | $884,964,000 | 794 |
| Average equity | $92,284,330 | 905 |
| Average total loans | $823,589,670 | 667 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0726% | 611 |
| Cost of funding earning assets | 0.1913% | 5,068 |
| Net interest margin | 4.8813% | 291 |
| Noninterest income to average assets | 1.1840% | 654 |
| Noninterest expense to average assets | 3.5188% | 974 |
| Loan and lease loss provision to assets | 0.1256% | 1,499 |
| Net operating income to assets | 1.9821% | 390 |
| Return on assets (ROA) | 1.9821% | 391 |
| Pretax return on assets | 1.9821% | 588 |
| Return on Equity (ROE) | 20.7530% | 208 |
| Retained earnings to average equity (ytd only) | 5.4161% | 2,988 |
| Net charge-offs to loans | -0.0337% | 4,793 |
| Credit loss provision to net charge-offs | -441.1765% | 3,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5409% | 3,698 |
| Assets per employee ($millions) | 4.8950% | 2,614 |
| Cash dividends to net income (ytd only)* | 73.9020% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9275% | 4,321 |
| Loan loss allowance to noncurrent loans | 645.9574% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.2283% | 3,959 |
| Noncurrent loans to loans | 0.1436% | 4,321 |
| Net loans and leases to total assets | 83.2245% | 519 |
| Net loans and leases to deposits | 92.0909% | 1,447 |
| Net loans and leases to core deposits | 93.0882% | 2,204 |
| Total domestic deposits to total assets | 90.3721% | 511 |
| Equity capital to assets | 9.4319% | 4,149 |
| Core capital (leverage) ratio | 9.4064% | 4,181 |
| Tier 1 risk-based capital ratio | 10.2204% | 5,435 |
| Total risk-based capital ratio | 11.1148% | 5,479 |
| Memoranda: | ||
| Average total assets | $955,778,000 | 805 |
| Average earning assets | $869,845,500 | 815 |
| Average equity | $91,283,000 | 923 |
| Average total loans | $806,855,500 | 681 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8869% | 821 |
| Cost of funding earning assets | 0.1988% | 4,958 |
| Net interest margin | 4.6880% | 432 |
| Noninterest income to average assets | 1.3781% | 551 |
| Noninterest expense to average assets | 3.5822% | 915 |
| Loan and lease loss provision to assets | 0.1344% | 1,708 |
| Net operating income to assets | 1.8994% | 341 |
| Return on assets (ROA) | 1.8994% | 350 |
| Pretax return on assets | 1.8994% | 602 |
| Return on Equity (ROE) | 19.4044% | 219 |
| Retained earnings to average equity (ytd only) | 6.7511% | 1,176 |
| Net charge-offs to loans | 0.0921% | 2,159 |
| Credit loss provision to net charge-offs | 181.2689% | 1,497 |
| Earnings coverage of net charge-offs (x) | 27.4335% | 1,637 |
| Efficiency ratio | 63.7859% | 3,634 |
| Assets per employee ($millions) | 4.8825% | 2,628 |
| Cash dividends to net income (ytd only)* | 65.2084% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9079% | 4,439 |
| Loan loss allowance to noncurrent loans | 297.0794% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.3712% | 3,381 |
| Noncurrent loans to loans | 0.3056% | 3,685 |
| Net loans and leases to total assets | 84.0796% | 437 |
| Net loans and leases to deposits | 93.3637% | 1,347 |
| Net loans and leases to core deposits | 94.8557% | 2,123 |
| Total domestic deposits to total assets | 90.0560% | 552 |
| Equity capital to assets | 9.6741% | 4,067 |
| Core capital (leverage) ratio | 9.4287% | 4,123 |
| Tier 1 risk-based capital ratio | 10.3102% | 5,444 |
| Total risk-based capital ratio | 11.1816% | 5,502 |
| Memoranda: | ||
| Average total assets | $892,982,800 | 839 |
| Average earning assets | $807,225,200 | 852 |
| Average equity | $87,407,800 | 928 |
| Average total loans | $718,513,400 | 732 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8233% | 883 |
| Cost of funding earning assets | 0.1979% | 4,995 |
| Net interest margin | 4.6254% | 468 |
| Noninterest income to average assets | 1.3823% | 554 |
| Noninterest expense to average assets | 3.5516% | 918 |
| Loan and lease loss provision to assets | 0.1355% | 1,594 |
| Net operating income to assets | 1.8716% | 414 |
| Return on assets (ROA) | 1.8716% | 418 |
| Pretax return on assets | 1.8716% | 743 |
| Return on Equity (ROE) | 19.0616% | 276 |
| Retained earnings to average equity (ytd only) | 6.6505% | 1,877 |
| Net charge-offs to loans | -0.0118% | 4,679 |
| Credit loss provision to net charge-offs | -1,445.1613% | 5,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8933% | 3,567 |
| Assets per employee ($millions) | 4.9497% | 2,515 |
| Cash dividends to net income (ytd only)* | 65.1103% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 3,975 |
| Loan loss allowance to noncurrent loans | 290.0190% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.4142% | 3,369 |
| Noncurrent loans to loans | 0.3503% | 3,691 |
| Net loans and leases to total assets | 80.0159% | 985 |
| Net loans and leases to deposits | 88.7466% | 1,959 |
| Net loans and leases to core deposits | 90.2976% | 2,582 |
| Total domestic deposits to total assets | 90.1621% | 419 |
| Equity capital to assets | 9.5776% | 4,368 |
| Core capital (leverage) ratio | 9.4577% | 4,216 |
| Tier 1 risk-based capital ratio | 10.6151% | 5,414 |
| Total risk-based capital ratio | 11.5836% | 5,441 |
| Memoranda: | ||
| Average total assets | $881,867,000 | 854 |
| Average earning assets | $796,257,250 | 867 |
| Average equity | $86,587,500 | 940 |
| Average total loans | $699,286,000 | 748 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7976% | 863 |
| Cost of funding earning assets | 0.1965% | 5,017 |
| Net interest margin | 4.6011% | 477 |
| Noninterest income to average assets | 1.4246% | 534 |
| Noninterest expense to average assets | 3.6311% | 838 |
| Loan and lease loss provision to assets | 0.1386% | 1,487 |
| Net operating income to assets | 1.8088% | 443 |
| Return on assets (ROA) | 1.8088% | 457 |
| Pretax return on assets | 1.8088% | 822 |
| Return on Equity (ROE) | 18.2618% | 311 |
| Retained earnings to average equity (ytd only) | 5.8758% | 2,185 |
| Net charge-offs to loans | -0.0135% | 4,633 |
| Credit loss provision to net charge-offs | -1,304.3478% | 4,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0901% | 3,496 |
| Assets per employee ($millions) | 4.7994% | 2,652 |
| Cash dividends to net income (ytd only)* | 67.8248% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 3,976 |
| Loan loss allowance to noncurrent loans | 277.3364% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.4280% | 3,397 |
| Noncurrent loans to loans | 0.3706% | 3,702 |
| Net loans and leases to total assets | 78.2323% | 1,212 |
| Net loans and leases to deposits | 86.9151% | 2,115 |
| Net loans and leases to core deposits | 88.3130% | 2,674 |
| Total domestic deposits to total assets | 90.0100% | 533 |
| Equity capital to assets | 9.6781% | 4,250 |
| Core capital (leverage) ratio | 9.6817% | 3,913 |
| Tier 1 risk-based capital ratio | 11.1437% | 5,178 |
| Total risk-based capital ratio | 12.1442% | 5,222 |
| Memoranda: | ||
| Average total assets | $865,640,000 | 873 |
| Average earning assets | $781,515,330 | 893 |
| Average equity | $85,742,000 | 955 |
| Average total loans | $681,638,670 | 770 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7597% | 819 |
| Cost of funding earning assets | 0.1964% | 5,011 |
| Net interest margin | 4.5633% | 463 |
| Noninterest income to average assets | 1.2633% | 641 |
| Noninterest expense to average assets | 3.8611% | 630 |
| Loan and lease loss provision to assets | 0.1506% | 1,226 |
| Net operating income to assets | 1.3761% | 1,041 |
| Return on assets (ROA) | 1.3761% | 1,077 |
| Pretax return on assets | 1.3761% | 1,963 |
| Return on Equity (ROE) | 13.7256% | 858 |
| Retained earnings to average equity (ytd only) | 1.6716% | 4,439 |
| Net charge-offs to loans | -0.0150% | 4,591 |
| Credit loss provision to net charge-offs | -1,276.0000% | 4,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6639% | 2,635 |
| Assets per employee ($millions) | 4.5951% | 3,011 |
| Cash dividends to net income (ytd only)* | 87.8216% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0328% | 4,074 |
| Loan loss allowance to noncurrent loans | 216.6461% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.5463% | 3,049 |
| Noncurrent loans to loans | 0.4767% | 3,383 |
| Net loans and leases to total assets | 78.3742% | 1,077 |
| Net loans and leases to deposits | 87.2811% | 1,883 |
| Net loans and leases to core deposits | 88.9294% | 2,461 |
| Total domestic deposits to total assets | 89.7951% | 753 |
| Equity capital to assets | 9.9073% | 3,864 |
| Core capital (leverage) ratio | 9.8150% | 3,739 |
| Tier 1 risk-based capital ratio | 11.3674% | 5,109 |
| Total risk-based capital ratio | 12.3671% | 5,143 |
| Memoranda: | ||
| Average total assets | $847,319,500 | 896 |
| Average earning assets | $765,851,000 | 911 |
| Average equity | $84,951,000 | 961 |
| Average total loans | $665,855,500 | 791 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8061% | 879 |
| Cost of funding earning assets | 0.1975% | 5,036 |
| Net interest margin | 4.6086% | 504 |
| Noninterest income to average assets | 1.6211% | 466 |
| Noninterest expense to average assets | 3.5752% | 1,042 |
| Loan and lease loss provision to assets | 0.1717% | 1,416 |
| Net operating income to assets | 2.0771% | 270 |
| Return on assets (ROA) | 2.0770% | 281 |
| Pretax return on assets | 2.0770% | 421 |
| Return on Equity (ROE) | 20.0876% | 206 |
| Retained earnings to average equity (ytd only) | 5.6990% | 1,884 |
| Net charge-offs to loans | 0.0097% | 3,941 |
| Credit loss provision to net charge-offs | 2,256.6667% | 191 |
| Earnings coverage of net charge-offs (x) | 295.5167% | 254 |
| Efficiency ratio | 61.3872% | 4,357 |
| Assets per employee ($millions) | 4.6667% | 2,850 |
| Cash dividends to net income (ytd only)* | 71.6292% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0264% | 4,156 |
| Loan loss allowance to noncurrent loans | 318.1342% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.4251% | 3,571 |
| Noncurrent loans to loans | 0.3226% | 3,991 |
| Net loans and leases to total assets | 77.1579% | 1,338 |
| Net loans and leases to deposits | 86.3522% | 2,124 |
| Net loans and leases to core deposits | 88.1557% | 2,651 |
| Total domestic deposits to total assets | 89.3526% | 925 |
| Equity capital to assets | 10.1478% | 3,552 |
| Core capital (leverage) ratio | 9.7680% | 3,785 |
| Tier 1 risk-based capital ratio | 11.7709% | 4,879 |
| Total risk-based capital ratio | 12.7611% | 4,950 |
| Memoranda: | ||
| Average total assets | $788,455,000 | 916 |
| Average earning assets | $719,052,000 | 924 |
| Average equity | $81,522,800 | 976 |
| Average total loans | $620,152,400 | 803 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7919% | 919 |
| Cost of funding earning assets | 0.1966% | 5,106 |
| Net interest margin | 4.5953% | 511 |
| Noninterest income to average assets | 1.3971% | 608 |
| Noninterest expense to average assets | 3.5297% | 1,095 |
| Loan and lease loss provision to assets | 0.1799% | 1,236 |
| Net operating income to assets | 1.8849% | 412 |
| Return on assets (ROA) | 1.8848% | 436 |
| Pretax return on assets | 1.8848% | 735 |
| Return on Equity (ROE) | 18.1383% | 350 |
| Retained earnings to average equity (ytd only) | 2.9900% | 4,122 |
| Net charge-offs to loans | 0.0030% | 3,827 |
| Credit loss provision to net charge-offs | 7,485.7143% | 78 |
| Earnings coverage of net charge-offs (x) | 859.0396% | 104 |
| Efficiency ratio | 63.0922% | 4,058 |
| Assets per employee ($millions) | 4.6100% | 2,910 |
| Cash dividends to net income (ytd only)* | 83.5155% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9849% | 4,493 |
| Loan loss allowance to noncurrent loans | 131.7203% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.7837% | 2,592 |
| Noncurrent loans to loans | 0.7477% | 2,802 |
| Net loans and leases to total assets | 77.3981% | 1,295 |
| Net loans and leases to deposits | 86.4033% | 2,220 |
| Net loans and leases to core deposits | 88.2266% | 2,736 |
| Total domestic deposits to total assets | 89.5776% | 639 |
| Equity capital to assets | 9.8344% | 4,319 |
| Core capital (leverage) ratio | 9.8795% | 3,722 |
| Tier 1 risk-based capital ratio | 11.3077% | 5,198 |
| Total risk-based capital ratio | 12.2571% | 5,280 |
| Memoranda: | ||
| Average total assets | $776,732,000 | 926 |
| Average earning assets | $709,486,000 | 941 |
| Average equity | $80,711,250 | 986 |
| Average total loans | $612,385,500 | 811 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9248% | 683 |
| Cost of funding earning assets | 0.1968% | 5,178 |
| Net interest margin | 4.7280% | 405 |
| Noninterest income to average assets | 1.2388% | 739 |
| Noninterest expense to average assets | 3.5282% | 1,116 |
| Loan and lease loss provision to assets | 0.1460% | 1,569 |
| Net operating income to assets | 1.8899% | 406 |
| Return on assets (ROA) | 1.8899% | 425 |
| Pretax return on assets | 1.8899% | 714 |
| Return on Equity (ROE) | 17.8366% | 371 |
| Retained earnings to average equity (ytd only) | 1.3655% | 4,837 |
| Net charge-offs to loans | 0.0130% | 3,285 |
| Credit loss provision to net charge-offs | 1,417.9487% | 278 |
| Earnings coverage of net charge-offs (x) | 197.7179% | 332 |
| Efficiency ratio | 63.4099% | 4,114 |
| Assets per employee ($millions) | 4.2626% | 3,445 |
| Cash dividends to net income (ytd only)* | 92.3442% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9685% | 4,681 |
| Loan loss allowance to noncurrent loans | 93.5954% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 0.9342% | 2,283 |
| Noncurrent loans to loans | 1.0348% | 2,212 |
| Net loans and leases to total assets | 77.3905% | 1,275 |
| Net loans and leases to deposits | 86.9313% | 2,143 |
| Net loans and leases to core deposits | 88.8505% | 2,654 |
| Total domestic deposits to total assets | 89.0249% | 907 |
| Equity capital to assets | 10.3578% | 3,782 |
| Core capital (leverage) ratio | 10.1100% | 3,437 |
| Tier 1 risk-based capital ratio | 11.8555% | 4,938 |
| Total risk-based capital ratio | 12.7859% | 5,016 |
| Memoranda: | ||
| Average total assets | $757,507,330 | 950 |
| Average earning assets | $692,982,000 | 962 |
| Average equity | $80,262,000 | 992 |
| Average total loans | $599,101,330 | 822 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0400% | 539 |
| Cost of funding earning assets | 0.1978% | 5,225 |
| Net interest margin | 4.8421% | 335 |
| Noninterest income to average assets | 1.1401% | 845 |
| Noninterest expense to average assets | 3.4583% | 1,263 |
| Loan and lease loss provision to assets | 0.1340% | 1,574 |
| Net operating income to assets | 1.9822% | 346 |
| Return on assets (ROA) | 1.9822% | 365 |
| Pretax return on assets | 1.9822% | 592 |
| Return on Equity (ROE) | 18.4861% | 322 |
| Retained earnings to average equity (ytd only) | -1.7596% | 5,362 |
| Net charge-offs to loans | -0.0795% | 5,548 |
| Credit loss provision to net charge-offs | -211.8644% | 4,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0385% | 4,436 |
| Assets per employee ($millions) | 4.4231% | 3,213 |
| Cash dividends to net income (ytd only)* | 109.5187% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 4,791 |
| Loan loss allowance to noncurrent loans | 108.7236% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 0.8201% | 2,640 |
| Noncurrent loans to loans | 0.8856% | 2,628 |
| Net loans and leases to total assets | 77.3984% | 1,190 |
| Net loans and leases to deposits | 86.9877% | 1,946 |
| Net loans and leases to core deposits | 88.9136% | 2,467 |
| Total domestic deposits to total assets | 88.9762% | 1,116 |
| Equity capital to assets | 10.4373% | 3,571 |
| Core capital (leverage) ratio | 10.3941% | 3,077 |
| Tier 1 risk-based capital ratio | 11.9655% | 4,934 |
| Total risk-based capital ratio | 12.8901% | 5,056 |
| Memoranda: | ||
| Average total assets | $746,258,500 | 965 |
| Average earning assets | $683,415,500 | 972 |
| Average equity | $80,017,000 | 993 |
| Average total loans | $593,858,000 | 828 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9408% | 706 |
| Cost of funding earning assets | 0.2049% | 5,243 |
| Net interest margin | 4.7359% | 425 |
| Noninterest income to average assets | 1.5096% | 548 |
| Noninterest expense to average assets | 3.7950% | 868 |
| Loan and lease loss provision to assets | 0.0220% | 3,945 |
| Net operating income to assets | 1.9983% | 347 |
| Return on assets (ROA) | 1.9981% | 353 |
| Pretax return on assets | 1.9981% | 539 |
| Return on Equity (ROE) | 17.8897% | 387 |
| Retained earnings to average equity (ytd only) | 7.5124% | 1,092 |
| Net charge-offs to loans | -0.1874% | 5,945 |
| Credit loss provision to net charge-offs | -14.6771% | 4,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2589% | 4,032 |
| Assets per employee ($millions) | 4.5458% | 2,969 |
| Cash dividends to net income (ytd only)* | 58.0072% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9140% | 5,035 |
| Loan loss allowance to noncurrent loans | 107.0294% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 0.8681% | 2,499 |
| Noncurrent loans to loans | 0.8540% | 2,644 |
| Net loans and leases to total assets | 80.3385% | 793 |
| Net loans and leases to deposits | 90.8357% | 1,526 |
| Net loans and leases to core deposits | 93.1033% | 2,124 |
| Total domestic deposits to total assets | 88.4437% | 1,407 |
| Equity capital to assets | 11.0224% | 2,793 |
| Core capital (leverage) ratio | 10.7613% | 2,648 |
| Tier 1 risk-based capital ratio | 12.3044% | 4,764 |
| Total risk-based capital ratio | 13.1885% | 4,897 |
| Memoranda: | ||
| Average total assets | $681,584,800 | 1,010 |
| Average earning assets | $619,674,000 | 1,015 |
| Average equity | $76,127,800 | 1,000 |
| Average total loans | $545,245,400 | 861 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8416% | 868 |
| Cost of funding earning assets | 0.2049% | 5,334 |
| Net interest margin | 4.6368% | 506 |
| Noninterest income to average assets | 1.5180% | 541 |
| Noninterest expense to average assets | 3.9083% | 737 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.8157% | 503 |
| Return on assets (ROA) | 1.8157% | 526 |
| Pretax return on assets | 1.8157% | 869 |
| Return on Equity (ROE) | 16.1982% | 561 |
| Retained earnings to average equity (ytd only) | 6.2585% | 2,086 |
| Net charge-offs to loans | -0.4104% | 6,130 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2795% | 3,490 |
| Assets per employee ($millions) | 4.3892% | 3,181 |
| Cash dividends to net income (ytd only)* | 61.3631% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0521% | 4,455 |
| Loan loss allowance to noncurrent loans | 148.1800% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.7535% | 3,018 |
| Noncurrent loans to loans | 0.7100% | 3,202 |
| Net loans and leases to total assets | 78.0174% | 1,095 |
| Net loans and leases to deposits | 88.3075% | 1,858 |
| Net loans and leases to core deposits | 90.2925% | 2,436 |
| Total domestic deposits to total assets | 88.3474% | 1,383 |
| Equity capital to assets | 11.0401% | 2,975 |
| Core capital (leverage) ratio | 10.8992% | 2,591 |
| Tier 1 risk-based capital ratio | 12.6364% | 4,660 |
| Total risk-based capital ratio | 13.6500% | 4,733 |
| Memoranda: | ||
| Average total assets | $670,148,750 | 1,030 |
| Average earning assets | $607,878,500 | 1,041 |
| Average equity | $75,117,500 | 1,022 |
| Average total loans | $534,128,000 | 886 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8840% | 759 |
| Cost of funding earning assets | 0.2064% | 5,386 |
| Net interest margin | 4.6776% | 460 |
| Noninterest income to average assets | 1.4055% | 642 |
| Noninterest expense to average assets | 3.9865% | 686 |
| Loan and lease loss provision to assets | 0.2736% | 604 |
| Net operating income to assets | 1.3827% | 1,128 |
| Return on assets (ROA) | 1.3827% | 1,166 |
| Pretax return on assets | 1.3827% | 2,055 |
| Return on Equity (ROE) | 12.2695% | 1,290 |
| Retained earnings to average equity (ytd only) | -0.6770% | 5,638 |
| Net charge-offs to loans | -0.2367% | 6,068 |
| Credit loss provision to net charge-offs | -144.4623% | 4,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6475% | 3,234 |
| Assets per employee ($millions) | 4.2748% | 3,346 |
| Cash dividends to net income (ytd only)* | 105.5177% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 4,487 |
| Loan loss allowance to noncurrent loans | 72.9664% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 1.4817% | 1,668 |
| Noncurrent loans to loans | 1.4668% | 1,806 |
| Net loans and leases to total assets | 79.5763% | 860 |
| Net loans and leases to deposits | 90.1057% | 1,583 |
| Net loans and leases to core deposits | 92.2530% | 2,133 |
| Total domestic deposits to total assets | 88.3144% | 1,489 |
| Equity capital to assets | 11.1290% | 2,743 |
| Core capital (leverage) ratio | 10.6379% | 2,809 |
| Tier 1 risk-based capital ratio | 12.3931% | 4,880 |
| Total risk-based capital ratio | 13.4177% | 4,925 |
| Memoranda: | ||
| Average total assets | $657,978,330 | 1,052 |
| Average earning assets | $596,029,330 | 1,067 |
| Average equity | $74,151,330 | 1,042 |
| Average total loans | $526,444,000 | 902 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8210% | 825 |
| Cost of funding earning assets | 0.2049% | 5,465 |
| Net interest margin | 4.6161% | 484 |
| Noninterest income to average assets | 1.2143% | 770 |
| Noninterest expense to average assets | 3.8559% | 821 |
| Loan and lease loss provision to assets | 0.2852% | 523 |
| Net operating income to assets | 1.2504% | 1,406 |
| Return on assets (ROA) | 1.2504% | 1,492 |
| Pretax return on assets | 1.2504% | 2,463 |
| Return on Equity (ROE) | 11.0254% | 1,624 |
| Retained earnings to average equity (ytd only) | -4.0853% | 5,866 |
| Net charge-offs to loans | -0.0153% | 4,923 |
| Credit loss provision to net charge-offs | -2,330.0000% | 5,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5178% | 3,245 |
| Assets per employee ($millions) | 4.2391% | 3,486 |
| Cash dividends to net income (ytd only)* | 137.0534% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8872% | 5,475 |
| Loan loss allowance to noncurrent loans | 57.4149% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 1.5687% | 1,645 |
| Noncurrent loans to loans | 1.5452% | 1,818 |
| Net loans and leases to total assets | 79.4654% | 743 |
| Net loans and leases to deposits | 90.0800% | 1,385 |
| Net loans and leases to core deposits | 92.2120% | 1,924 |
| Total domestic deposits to total assets | 88.2165% | 1,699 |
| Equity capital to assets | 11.1537% | 2,804 |
| Core capital (leverage) ratio | 10.8362% | 2,588 |
| Tier 1 risk-based capital ratio | 12.2870% | 5,052 |
| Total risk-based capital ratio | 13.1282% | 5,210 |
| Memoranda: | ||
| Average total assets | $653,536,000 | 1,060 |
| Average earning assets | $591,409,500 | 1,073 |
| Average equity | $74,119,500 | 1,041 |
| Average total loans | $521,463,000 | 905 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7362% | 1,224 |
| Cost of funding earning assets | 0.2207% | 5,589 |
| Net interest margin | 4.5156% | 725 |
| Noninterest income to average assets | 1.6034% | 490 |
| Noninterest expense to average assets | 3.6820% | 1,183 |
| Loan and lease loss provision to assets | 0.1736% | 1,491 |
| Net operating income to assets | 1.8277% | 452 |
| Return on assets (ROA) | 1.8276% | 468 |
| Pretax return on assets | 1.8276% | 752 |
| Return on Equity (ROE) | 15.7980% | 647 |
| Retained earnings to average equity (ytd only) | 4.8812% | 2,693 |
| Net charge-offs to loans | 0.2075% | 2,007 |
| Credit loss provision to net charge-offs | 111.9023% | 2,129 |
| Earnings coverage of net charge-offs (x) | 12.8973% | 2,329 |
| Efficiency ratio | 64.7853% | 4,441 |
| Assets per employee ($millions) | 4.0872% | 3,747 |
| Cash dividends to net income (ytd only)* | 69.1025% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8227% | 5,713 |
| Loan loss allowance to noncurrent loans | 52.1771% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 1.6142% | 1,670 |
| Noncurrent loans to loans | 1.5767% | 1,851 |
| Net loans and leases to total assets | 78.7428% | 910 |
| Net loans and leases to deposits | 89.7131% | 1,545 |
| Net loans and leases to core deposits | 91.6461% | 2,132 |
| Total domestic deposits to total assets | 87.7719% | 1,884 |
| Equity capital to assets | 11.5335% | 2,406 |
| Core capital (leverage) ratio | 11.0261% | 2,389 |
| Tier 1 risk-based capital ratio | 13.1670% | 4,612 |
| Total risk-based capital ratio | 13.9717% | 4,815 |
| Memoranda: | ||
| Average total assets | $633,465,200 | 1,054 |
| Average earning assets | $572,353,400 | 1,060 |
| Average equity | $73,281,200 | 996 |
| Average total loans | $473,633,400 | 939 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6985% | 1,308 |
| Cost of funding earning assets | 0.2228% | 5,641 |
| Net interest margin | 4.4757% | 779 |
| Noninterest income to average assets | 1.7155% | 445 |
| Noninterest expense to average assets | 3.6787% | 1,152 |
| Loan and lease loss provision to assets | 0.1692% | 1,458 |
| Net operating income to assets | 1.9120% | 409 |
| Return on assets (ROA) | 1.9120% | 426 |
| Pretax return on assets | 1.9120% | 700 |
| Return on Equity (ROE) | 16.5152% | 615 |
| Retained earnings to average equity (ytd only) | 8.2941% | 1,223 |
| Net charge-offs to loans | -0.0497% | 5,905 |
| Credit loss provision to net charge-offs | -462.4277% | 5,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8674% | 4,570 |
| Assets per employee ($millions) | 4.1587% | 3,550 |
| Cash dividends to net income (ytd only)* | 49.7788% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 4,865 |
| Loan loss allowance to noncurrent loans | 51.7702% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 1.8970% | 1,548 |
| Noncurrent loans to loans | 2.0725% | 1,513 |
| Net loans and leases to total assets | 72.5775% | 1,749 |
| Net loans and leases to deposits | 82.7753% | 2,326 |
| Net loans and leases to core deposits | 84.5595% | 2,824 |
| Total domestic deposits to total assets | 87.6802% | 1,934 |
| Equity capital to assets | 11.6894% | 2,321 |
| Core capital (leverage) ratio | 11.4528% | 2,097 |
| Tier 1 risk-based capital ratio | 14.5783% | 3,833 |
| Total risk-based capital ratio | 15.6271% | 3,902 |
| Memoranda: | ||
| Average total assets | $630,388,250 | 1,069 |
| Average earning assets | $569,642,500 | 1,073 |
| Average equity | $72,981,500 | 1,001 |
| Average total loans | $463,862,250 | 962 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7010% | 1,278 |
| Cost of funding earning assets | 0.2300% | 5,662 |
| Net interest margin | 4.4709% | 748 |
| Noninterest income to average assets | 1.7403% | 426 |
| Noninterest expense to average assets | 3.6548% | 1,204 |
| Loan and lease loss provision to assets | 0.1598% | 1,554 |
| Net operating income to assets | 1.9580% | 369 |
| Return on assets (ROA) | 1.9580% | 384 |
| Pretax return on assets | 1.9580% | 608 |
| Return on Equity (ROE) | 16.9686% | 555 |
| Retained earnings to average equity (ytd only) | 8.6575% | 1,091 |
| Net charge-offs to loans | -0.0729% | 6,031 |
| Credit loss provision to net charge-offs | -297.6190% | 5,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3127% | 4,802 |
| Assets per employee ($millions) | 4.3640% | 3,151 |
| Cash dividends to net income (ytd only)* | 48.9796% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 5,316 |
| Loan loss allowance to noncurrent loans | 48.4212% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 2.0571% | 1,541 |
| Noncurrent loans to loans | 2.0785% | 1,610 |
| Net loans and leases to total assets | 74.6458% | 1,357 |
| Net loans and leases to deposits | 85.1994% | 1,901 |
| Net loans and leases to core deposits | 87.0667% | 2,416 |
| Total domestic deposits to total assets | 87.6131% | 2,134 |
| Equity capital to assets | 11.7719% | 2,190 |
| Core capital (leverage) ratio | 11.3573% | 2,111 |
| Tier 1 risk-based capital ratio | 14.1992% | 4,131 |
| Total risk-based capital ratio | 15.1786% | 4,248 |
| Memoranda: | ||
| Average total assets | $625,650,000 | 1,079 |
| Average earning assets | $564,265,330 | 1,086 |
| Average equity | $72,192,000 | 1,007 |
| Average total loans | $460,846,000 | 962 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7287% | 1,199 |
| Cost of funding earning assets | 0.2504% | 5,579 |
| Net interest margin | 4.4783% | 684 |
| Noninterest income to average assets | 1.3802% | 611 |
| Noninterest expense to average assets | 3.6446% | 1,223 |
| Loan and lease loss provision to assets | 0.1282% | 1,896 |
| Net operating income to assets | 1.6416% | 627 |
| Return on assets (ROA) | 1.6416% | 654 |
| Pretax return on assets | 1.6416% | 1,086 |
| Return on Equity (ROE) | 14.3732% | 880 |
| Retained earnings to average equity (ytd only) | 5.9580% | 2,568 |
| Net charge-offs to loans | -0.2095% | 6,402 |
| Credit loss provision to net charge-offs | -84.0336% | 4,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3136% | 4,312 |
| Assets per employee ($millions) | 4.2777% | 3,385 |
| Cash dividends to net income (ytd only)* | 58.5480% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 5,562 |
| Loan loss allowance to noncurrent loans | 43.6358% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 2.4250% | 1,330 |
| Noncurrent loans to loans | 2.2725% | 1,582 |
| Net loans and leases to total assets | 72.0709% | 1,568 |
| Net loans and leases to deposits | 81.8860% | 2,055 |
| Net loans and leases to core deposits | 83.5999% | 2,560 |
| Total domestic deposits to total assets | 88.0138% | 2,230 |
| Equity capital to assets | 11.4239% | 2,310 |
| Core capital (leverage) ratio | 11.2039% | 2,217 |
| Tier 1 risk-based capital ratio | 14.4330% | 4,038 |
| Total risk-based capital ratio | 15.4137% | 4,168 |
| Memoranda: | ||
| Average total assets | $624,265,000 | 1,092 |
| Average earning assets | $562,354,500 | 1,095 |
| Average equity | $71,299,500 | 1,019 |
| Average total loans | $454,340,000 | 967 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4063% | 2,563 |
| Cost of funding earning assets | 0.2999% | 5,598 |
| Net interest margin | 4.1063% | 1,620 |
| Noninterest income to average assets | 1.5345% | 601 |
| Noninterest expense to average assets | 3.7224% | 1,251 |
| Loan and lease loss provision to assets | 0.0976% | 3,172 |
| Net operating income to assets | 1.4920% | 837 |
| Return on assets (ROA) | 1.4919% | 883 |
| Pretax return on assets | 1.4919% | 1,470 |
| Return on Equity (ROE) | 13.3718% | 1,096 |
| Retained earnings to average equity (ytd only) | 7.6118% | 1,189 |
| Net charge-offs to loans | 0.2685% | 2,359 |
| Credit loss provision to net charge-offs | 53.7153% | 3,733 |
| Earnings coverage of net charge-offs (x) | 8.7475% | 2,620 |
| Efficiency ratio | 70.0744% | 3,827 |
| Assets per employee ($millions) | 4.1314% | 3,570 |
| Cash dividends to net income (ytd only)* | 43.0752% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9094% | 5,893 |
| Loan loss allowance to noncurrent loans | 34.9289% | 5,793 |
| Noncurrent assets plus other real estate owned to assets | 2.7140% | 1,228 |
| Noncurrent loans to loans | 2.6036% | 1,438 |
| Net loans and leases to total assets | 72.1053% | 1,662 |
| Net loans and leases to deposits | 84.1626% | 1,916 |
| Net loans and leases to core deposits | 85.9558% | 2,451 |
| Total domestic deposits to total assets | 85.6738% | 3,415 |
| Equity capital to assets | 11.4187% | 2,225 |
| Core capital (leverage) ratio | 10.8236% | 2,550 |
| Tier 1 risk-based capital ratio | 14.2645% | 4,106 |
| Total risk-based capital ratio | 15.1528% | 4,304 |
| Memoranda: | ||
| Average total assets | $614,661,000 | 1,086 |
| Average earning assets | $565,442,800 | 1,075 |
| Average equity | $68,577,400 | 1,042 |
| Average total loans | $416,029,600 | 1,026 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4138% | 2,547 |
| Cost of funding earning assets | 0.3011% | 5,727 |
| Net interest margin | 4.1127% | 1,595 |
| Noninterest income to average assets | 1.5124% | 635 |
| Noninterest expense to average assets | 3.7304% | 1,203 |
| Loan and lease loss provision to assets | 0.0978% | 3,130 |
| Net operating income to assets | 1.4844% | 923 |
| Return on assets (ROA) | 1.4844% | 972 |
| Pretax return on assets | 1.4844% | 1,655 |
| Return on Equity (ROE) | 13.3838% | 1,142 |
| Retained earnings to average equity (ytd only) | 8.4842% | 1,227 |
| Net charge-offs to loans | -0.0252% | 6,116 |
| Credit loss provision to net charge-offs | -584.4156% | 6,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2181% | 3,725 |
| Assets per employee ($millions) | 4.2482% | 3,332 |
| Cash dividends to net income (ytd only)* | 36.6086% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 4,816 |
| Loan loss allowance to noncurrent loans | 58.7108% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 2.0556% | 1,961 |
| Noncurrent loans to loans | 2.0621% | 2,179 |
| Net loans and leases to total assets | 66.7878% | 2,500 |
| Net loans and leases to deposits | 77.6549% | 2,719 |
| Net loans and leases to core deposits | 79.0965% | 3,218 |
| Total domestic deposits to total assets | 86.0058% | 3,250 |
| Equity capital to assets | 11.1001% | 2,665 |
| Core capital (leverage) ratio | 10.8679% | 2,602 |
| Tier 1 risk-based capital ratio | 15.3585% | 3,532 |
| Total risk-based capital ratio | 16.5706% | 3,512 |
| Memoranda: | ||
| Average total assets | $613,399,000 | 1,095 |
| Average earning assets | $566,785,250 | 1,082 |
| Average equity | $68,031,000 | 1,057 |
| Average total loans | $407,301,000 | 1,048 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4251% | 2,472 |
| Cost of funding earning assets | 0.3091% | 5,755 |
| Net interest margin | 4.1160% | 1,499 |
| Noninterest income to average assets | 1.4812% | 720 |
| Noninterest expense to average assets | 3.7742% | 1,134 |
| Loan and lease loss provision to assets | 0.0986% | 3,145 |
| Net operating income to assets | 1.4131% | 1,052 |
| Return on assets (ROA) | 1.4131% | 1,137 |
| Pretax return on assets | 1.4131% | 1,883 |
| Return on Equity (ROE) | 12.7453% | 1,304 |
| Retained earnings to average equity (ytd only) | 9.0385% | 1,106 |
| Net charge-offs to loans | 0.3563% | 1,773 |
| Credit loss provision to net charge-offs | 41.9580% | 3,379 |
| Earnings coverage of net charge-offs (x) | 6.4308% | 2,717 |
| Efficiency ratio | 71.4001% | 3,578 |
| Assets per employee ($millions) | 4.2051% | 3,345 |
| Cash dividends to net income (ytd only)* | 29.0833% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0234% | 5,720 |
| Loan loss allowance to noncurrent loans | 50.9331% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 2.0181% | 2,138 |
| Noncurrent loans to loans | 2.0093% | 2,393 |
| Net loans and leases to total assets | 65.7599% | 2,628 |
| Net loans and leases to deposits | 76.4414% | 2,816 |
| Net loans and leases to core deposits | 77.8116% | 3,319 |
| Total domestic deposits to total assets | 86.0265% | 3,349 |
| Equity capital to assets | 11.1251% | 2,630 |
| Core capital (leverage) ratio | 10.7168% | 2,653 |
| Tier 1 risk-based capital ratio | 15.6030% | 3,428 |
| Total risk-based capital ratio | 16.6329% | 3,504 |
| Memoranda: | ||
| Average total assets | $608,288,000 | 1,103 |
| Average earning assets | $562,289,670 | 1,088 |
| Average equity | $67,444,670 | 1,070 |
| Average total loans | $401,380,670 | 1,061 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 2,398 |
| Cost of funding earning assets | 0.3185% | 5,817 |
| Net interest margin | 4.1179% | 1,409 |
| Noninterest income to average assets | 1.3412% | 855 |
| Noninterest expense to average assets | 3.7623% | 1,160 |
| Loan and lease loss provision to assets | 0.0994% | 3,022 |
| Net operating income to assets | 1.2769% | 1,340 |
| Return on assets (ROA) | 1.2769% | 1,438 |
| Pretax return on assets | 1.2769% | 2,308 |
| Return on Equity (ROE) | 11.5360% | 1,544 |
| Retained earnings to average equity (ytd only) | 11.5360% | 770 |
| Net charge-offs to loans | 0.6644% | 919 |
| Credit loss provision to net charge-offs | 22.7618% | 2,999 |
| Earnings coverage of net charge-offs (x) | 3.1502% | 2,831 |
| Efficiency ratio | 73.2164% | 3,411 |
| Assets per employee ($millions) | 4.0871% | 3,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 5,876 |
| Loan loss allowance to noncurrent loans | 49.8726% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 2.0731% | 2,264 |
| Noncurrent loans to loans | 2.0651% | 2,547 |
| Net loans and leases to total assets | 65.2770% | 2,499 |
| Net loans and leases to deposits | 76.0767% | 2,627 |
| Net loans and leases to core deposits | 77.0190% | 3,204 |
| Total domestic deposits to total assets | 85.8042% | 3,631 |
| Equity capital to assets | 11.1906% | 2,749 |
| Core capital (leverage) ratio | 10.7255% | 2,522 |
| Tier 1 risk-based capital ratio | 15.7382% | 3,409 |
| Total risk-based capital ratio | 16.7681% | 3,478 |
| Memoranda: | ||
| Average total assets | $603,357,500 | 1,122 |
| Average earning assets | $556,399,000 | 1,108 |
| Average equity | $66,782,000 | 1,099 |
| Average total loans | $396,722,500 | 1,071 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8469% | 2,029 |
| Cost of funding earning assets | 0.4632% | 5,470 |
| Net interest margin | 4.3837% | 1,196 |
| Noninterest income to average assets | 1.5352% | 666 |
| Noninterest expense to average assets | 3.6068% | 1,592 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.9638% | 383 |
| Return on assets (ROA) | 1.9638% | 414 |
| Pretax return on assets | 1.9638% | 646 |
| Return on Equity (ROE) | 17.9395% | 450 |
| Retained earnings to average equity (ytd only) | 5.6036% | 2,310 |
| Net charge-offs to loans | 0.5319% | 2,130 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 5.2358% | 3,098 |
| Efficiency ratio | 64.7476% | 4,748 |
| Assets per employee ($millions) | 4.0940% | 3,750 |
| Cash dividends to net income (ytd only)* | 68.7640% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1707% | 5,258 |
| Loan loss allowance to noncurrent loans | 54.6703% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 2.1425% | 2,282 |
| Noncurrent loans to loans | 2.1413% | 2,536 |
| Net loans and leases to total assets | 64.7802% | 2,758 |
| Net loans and leases to deposits | 75.5336% | 2,876 |
| Net loans and leases to core deposits | 76.8626% | 3,423 |
| Total domestic deposits to total assets | 85.7634% | 3,477 |
| Equity capital to assets | 10.9456% | 3,020 |
| Core capital (leverage) ratio | 10.3323% | 2,973 |
| Tier 1 risk-based capital ratio | 15.3574% | 3,506 |
| Total risk-based capital ratio | 16.5159% | 3,516 |
| Memoranda: | ||
| Average total assets | $592,434,000 | 1,119 |
| Average earning assets | $545,358,400 | 1,107 |
| Average equity | $64,851,200 | 1,093 |
| Average total loans | $417,730,000 | 1,002 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9338% | 1,887 |
| Cost of funding earning assets | 0.4952% | 5,462 |
| Net interest margin | 4.4386% | 1,117 |
| Noninterest income to average assets | 1.5523% | 618 |
| Noninterest expense to average assets | 3.5811% | 1,590 |
| Loan and lease loss provision to assets | 0.2770% | 2,356 |
| Net operating income to assets | 1.7809% | 589 |
| Return on assets (ROA) | 1.7809% | 658 |
| Pretax return on assets | 1.7809% | 1,094 |
| Return on Equity (ROE) | 16.2690% | 699 |
| Retained earnings to average equity (ytd only) | 10.0768% | 897 |
| Net charge-offs to loans | 0.4029% | 2,486 |
| Credit loss provision to net charge-offs | 95.7813% | 3,116 |
| Earnings coverage of net charge-offs (x) | 7.1156% | 2,657 |
| Efficiency ratio | 63.5052% | 4,884 |
| Assets per employee ($millions) | 4.1413% | 3,594 |
| Cash dividends to net income (ytd only)* | 38.0614% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6631% | 3,281 |
| Loan loss allowance to noncurrent loans | 61.4250% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 2.4641% | 2,147 |
| Noncurrent loans to loans | 2.7075% | 2,091 |
| Net loans and leases to total assets | 65.9017% | 2,669 |
| Net loans and leases to deposits | 76.8416% | 2,848 |
| Net loans and leases to core deposits | 78.1787% | 3,429 |
| Total domestic deposits to total assets | 85.7630% | 3,384 |
| Equity capital to assets | 11.0218% | 3,248 |
| Core capital (leverage) ratio | 10.6993% | 2,702 |
| Tier 1 risk-based capital ratio | 15.2707% | 3,660 |
| Total risk-based capital ratio | 16.5257% | 3,612 |
| Memoranda: | ||
| Average total assets | $590,086,500 | 1,137 |
| Average earning assets | $543,310,250 | 1,126 |
| Average equity | $64,595,750 | 1,105 |
| Average total loans | $423,542,250 | 991 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9160% | 2,042 |
| Cost of funding earning assets | 0.5273% | 5,445 |
| Net interest margin | 4.3887% | 1,234 |
| Noninterest income to average assets | 1.6004% | 580 |
| Noninterest expense to average assets | 3.5906% | 1,600 |
| Loan and lease loss provision to assets | 0.2624% | 2,476 |
| Net operating income to assets | 1.7902% | 577 |
| Return on assets (ROA) | 1.7902% | 645 |
| Pretax return on assets | 1.7902% | 1,063 |
| Return on Equity (ROE) | 16.3923% | 711 |
| Retained earnings to average equity (ytd only) | 10.1189% | 947 |
| Net charge-offs to loans | 0.5010% | 2,081 |
| Credit loss provision to net charge-offs | 71.3222% | 3,530 |
| Earnings coverage of net charge-offs (x) | 5.5791% | 2,804 |
| Efficiency ratio | 63.6275% | 4,961 |
| Assets per employee ($millions) | 3.8624% | 4,163 |
| Cash dividends to net income (ytd only)* | 38.2702% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5540% | 3,765 |
| Loan loss allowance to noncurrent loans | 26.1793% | 6,316 |
| Noncurrent assets plus other real estate owned to assets | 4.9959% | 956 |
| Noncurrent loans to loans | 5.9361% | 745 |
| Net loans and leases to total assets | 69.5681% | 1,995 |
| Net loans and leases to deposits | 81.1612% | 2,210 |
| Net loans and leases to core deposits | 82.6050% | 2,885 |
| Total domestic deposits to total assets | 85.7160% | 3,501 |
| Equity capital to assets | 10.9893% | 3,131 |
| Core capital (leverage) ratio | 10.5157% | 2,787 |
| Tier 1 risk-based capital ratio | 14.3542% | 4,208 |
| Total risk-based capital ratio | 15.6078% | 4,165 |
| Memoranda: | ||
| Average total assets | $583,857,000 | 1,151 |
| Average earning assets | $537,834,000 | 1,140 |
| Average equity | $63,761,670 | 1,113 |
| Average total loans | $428,730,330 | 982 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1372% | 1,474 |
| Cost of funding earning assets | 0.5627% | 5,411 |
| Net interest margin | 4.5745% | 863 |
| Noninterest income to average assets | 1.4834% | 657 |
| Noninterest expense to average assets | 3.5914% | 1,577 |
| Loan and lease loss provision to assets | 0.2151% | 2,799 |
| Net operating income to assets | 1.8880% | 503 |
| Return on assets (ROA) | 1.8880% | 577 |
| Pretax return on assets | 1.8880% | 903 |
| Return on Equity (ROE) | 17.3443% | 622 |
| Retained earnings to average equity (ytd only) | 10.9911% | 1,027 |
| Net charge-offs to loans | 0.9868% | 1,057 |
| Credit loss provision to net charge-offs | 29.1199% | 3,639 |
| Earnings coverage of net charge-offs (x) | 2.8474% | 3,043 |
| Efficiency ratio | 63.0678% | 5,090 |
| Assets per employee ($millions) | 4.0813% | 3,840 |
| Cash dividends to net income (ytd only)* | 36.6300% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4114% | 4,560 |
| Loan loss allowance to noncurrent loans | 38.0401% | 5,732 |
| Noncurrent assets plus other real estate owned to assets | 3.4110% | 1,687 |
| Noncurrent loans to loans | 3.7103% | 1,670 |
| Net loans and leases to total assets | 71.7999% | 1,441 |
| Net loans and leases to deposits | 83.4379% | 1,735 |
| Net loans and leases to core deposits | 85.0240% | 2,402 |
| Total domestic deposits to total assets | 86.0520% | 3,500 |
| Equity capital to assets | 10.7875% | 3,163 |
| Core capital (leverage) ratio | 10.6224% | 2,622 |
| Tier 1 risk-based capital ratio | 13.6962% | 4,682 |
| Total risk-based capital ratio | 14.9480% | 4,661 |
| Memoranda: | ||
| Average total assets | $578,383,500 | 1,166 |
| Average earning assets | $532,428,000 | 1,153 |
| Average equity | $62,960,000 | 1,126 |
| Average total loans | $432,932,500 | 964 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6751% | 821 |
| Cost of funding earning assets | 0.7193% | 5,412 |
| Net interest margin | 4.9559% | 451 |
| Noninterest income to average assets | 1.7318% | 473 |
| Noninterest expense to average assets | 4.0020% | 1,035 |
| Loan and lease loss provision to assets | 0.3265% | 3,073 |
| Net operating income to assets | 1.9168% | 368 |
| Return on assets (ROA) | 1.9313% | 381 |
| Pretax return on assets | 1.9313% | 625 |
| Return on Equity (ROE) | 17.8730% | 394 |
| Retained earnings to average equity (ytd only) | 13.3939% | 198 |
| Net charge-offs to loans | 0.8021% | 2,156 |
| Credit loss provision to net charge-offs | 48.3862% | 5,462 |
| Earnings coverage of net charge-offs (x) | 3.3244% | 3,555 |
| Efficiency ratio | 64.0805% | 5,112 |
| Assets per employee ($millions) | 3.7918% | 4,338 |
| Cash dividends to net income (ytd only)* | 25.0602% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5729% | 3,694 |
| Loan loss allowance to noncurrent loans | 40.0281% | 5,604 |
| Noncurrent assets plus other real estate owned to assets | 3.6945% | 1,585 |
| Noncurrent loans to loans | 3.9294% | 1,595 |
| Net loans and leases to total assets | 75.7619% | 976 |
| Net loans and leases to deposits | 88.5540% | 1,314 |
| Net loans and leases to core deposits | 90.2683% | 2,085 |
| Total domestic deposits to total assets | 85.5545% | 3,566 |
| Equity capital to assets | 10.9882% | 2,991 |
| Core capital (leverage) ratio | 10.4001% | 2,842 |
| Tier 1 risk-based capital ratio | 13.2197% | 4,896 |
| Total risk-based capital ratio | 14.4736% | 4,873 |
| Memoranda: | ||
| Average total assets | $537,201,400 | 1,241 |
| Average earning assets | $489,258,800 | 1,245 |
| Average equity | $58,048,600 | 1,172 |
| Average total loans | $451,934,200 | 925 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7201% | 819 |
| Cost of funding earning assets | 0.7391% | 5,532 |
| Net interest margin | 4.9810% | 430 |
| Noninterest income to average assets | 1.7988% | 444 |
| Noninterest expense to average assets | 4.1076% | 888 |
| Loan and lease loss provision to assets | 0.3397% | 2,846 |
| Net operating income to assets | 1.8778% | 446 |
| Return on assets (ROA) | 1.8971% | 458 |
| Pretax return on assets | 1.8971% | 784 |
| Return on Equity (ROE) | 17.6362% | 493 |
| Retained earnings to average equity (ytd only) | 13.1950% | 362 |
| Net charge-offs to loans | 0.3168% | 3,518 |
| Credit loss provision to net charge-offs | 124.6310% | 2,580 |
| Earnings coverage of net charge-offs (x) | 8.1356% | 2,231 |
| Efficiency ratio | 64.9414% | 4,905 |
| Assets per employee ($millions) | 3.7154% | 4,505 |
| Cash dividends to net income (ytd only)* | 25.1822% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0327% | 2,245 |
| Loan loss allowance to noncurrent loans | 41.5448% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 4.9357% | 1,175 |
| Noncurrent loans to loans | 4.8928% | 1,291 |
| Net loans and leases to total assets | 77.6319% | 753 |
| Net loans and leases to deposits | 90.5816% | 1,148 |
| Net loans and leases to core deposits | 92.4193% | 1,946 |
| Total domestic deposits to total assets | 85.7039% | 3,380 |
| Equity capital to assets | 10.7509% | 3,422 |
| Core capital (leverage) ratio | 10.4739% | 2,896 |
| Tier 1 risk-based capital ratio | 12.6617% | 5,356 |
| Total risk-based capital ratio | 13.9214% | 5,331 |
| Memoranda: | ||
| Average total assets | $530,257,250 | 1,265 |
| Average earning assets | $481,848,500 | 1,269 |
| Average equity | $57,040,500 | 1,191 |
| Average total loans | $456,198,250 | 931 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9093% | 568 |
| Cost of funding earning assets | 0.7511% | 5,658 |
| Net interest margin | 5.1581% | 300 |
| Noninterest income to average assets | 1.7351% | 446 |
| Noninterest expense to average assets | 4.2959% | 750 |
| Loan and lease loss provision to assets | 0.3438% | 2,721 |
| Net operating income to assets | 1.7777% | 525 |
| Return on assets (ROA) | 1.7777% | 563 |
| Pretax return on assets | 1.7777% | 918 |
| Return on Equity (ROE) | 16.5222% | 608 |
| Retained earnings to average equity (ytd only) | 12.2428% | 492 |
| Net charge-offs to loans | 0.3592% | 3,119 |
| Credit loss provision to net charge-offs | 108.2126% | 2,828 |
| Earnings coverage of net charge-offs (x) | 6.6775% | 2,356 |
| Efficiency ratio | 66.9417% | 4,710 |
| Assets per employee ($millions) | 3.4603% | 5,052 |
| Cash dividends to net income (ytd only)* | 25.9011% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9687% | 2,455 |
| Loan loss allowance to noncurrent loans | 29.6582% | 6,278 |
| Noncurrent assets plus other real estate owned to assets | 6.6256% | 797 |
| Noncurrent loans to loans | 6.6381% | 822 |
| Net loans and leases to total assets | 83.1228% | 296 |
| Net loans and leases to deposits | 97.0483% | 651 |
| Net loans and leases to core deposits | 98.3541% | 1,481 |
| Total domestic deposits to total assets | 85.6509% | 3,524 |
| Equity capital to assets | 10.9834% | 2,977 |
| Core capital (leverage) ratio | 10.2883% | 2,945 |
| Tier 1 risk-based capital ratio | 12.1821% | 5,626 |
| Total risk-based capital ratio | 13.4413% | 5,606 |
| Memoranda: | ||
| Average total assets | $521,239,330 | 1,290 |
| Average earning assets | $473,155,330 | 1,301 |
| Average equity | $56,082,000 | 1,193 |
| Average total loans | $461,055,000 | 937 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0055% | 464 |
| Cost of funding earning assets | 0.7474% | 5,872 |
| Net interest margin | 5.2581% | 236 |
| Noninterest income to average assets | 1.7723% | 434 |
| Noninterest expense to average assets | 4.3424% | 696 |
| Loan and lease loss provision to assets | 0.3438% | 2,502 |
| Net operating income to assets | 1.8586% | 436 |
| Return on assets (ROA) | 1.8586% | 460 |
| Pretax return on assets | 1.8586% | 728 |
| Return on Equity (ROE) | 17.4587% | 526 |
| Retained earnings to average equity (ytd only) | 13.8380% | 488 |
| Net charge-offs to loans | -0.0572% | 6,927 |
| Credit loss provision to net charge-offs | -665.6716% | 6,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3486% | 4,978 |
| Assets per employee ($millions) | 3.4010% | 5,234 |
| Cash dividends to net income (ytd only)* | 20.7383% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9764% | 2,475 |
| Loan loss allowance to noncurrent loans | 34.2569% | 6,003 |
| Noncurrent assets plus other real estate owned to assets | 6.3005% | 896 |
| Noncurrent loans to loans | 5.7694% | 1,119 |
| Net loans and leases to total assets | 87.3478% | 93 |
| Net loans and leases to deposits | 103.9262% | 315 |
| Net loans and leases to core deposits | 105.0589% | 995 |
| Total domestic deposits to total assets | 84.0479% | 4,473 |
| Equity capital to assets | 10.7296% | 2,953 |
| Core capital (leverage) ratio | 10.2024% | 2,929 |
| Tier 1 risk-based capital ratio | 11.3059% | 6,250 |
| Total risk-based capital ratio | 12.5653% | 6,226 |
| Memoranda: | ||
| Average total assets | $518,880,000 | 1,303 |
| Average earning assets | $470,968,500 | 1,311 |
| Average equity | $55,239,000 | 1,197 |
| Average total loans | $468,597,000 | 933 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2776% | 482 |
| Cost of funding earning assets | 0.8025% | 6,557 |
| Net interest margin | 5.4752% | 179 |
| Noninterest income to average assets | 1.6561% | 534 |
| Noninterest expense to average assets | 4.3952% | 727 |
| Loan and lease loss provision to assets | 0.7621% | 2,152 |
| Net operating income to assets | 1.4527% | 848 |
| Return on assets (ROA) | 1.4527% | 919 |
| Pretax return on assets | 1.4527% | 1,503 |
| Return on Equity (ROE) | 14.1902% | 854 |
| Retained earnings to average equity (ytd only) | 6.1949% | 1,716 |
| Net charge-offs to loans | 0.2813% | 4,614 |
| Credit loss provision to net charge-offs | 298.4163% | 899 |
| Earnings coverage of net charge-offs (x) | 8.6727% | 1,939 |
| Efficiency ratio | 66.4928% | 4,872 |
| Assets per employee ($millions) | 3.2328% | 5,585 |
| Cash dividends to net income (ytd only)* | 56.3436% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8515% | 2,685 |
| Loan loss allowance to noncurrent loans | 32.6658% | 6,143 |
| Noncurrent assets plus other real estate owned to assets | 6.1032% | 966 |
| Noncurrent loans to loans | 5.6680% | 1,142 |
| Net loans and leases to total assets | 89.8378% | 60 |
| Net loans and leases to deposits | 106.8496% | 296 |
| Net loans and leases to core deposits | 107.9236% | 1,051 |
| Total domestic deposits to total assets | 84.0787% | 4,323 |
| Equity capital to assets | 10.5605% | 3,092 |
| Core capital (leverage) ratio | 9.6514% | 3,485 |
| Tier 1 risk-based capital ratio | 10.8178% | 6,473 |
| Total risk-based capital ratio | 12.0739% | 6,438 |
| Memoranda: | ||
| Average total assets | $519,231,200 | 1,285 |
| Average earning assets | $469,793,800 | 1,302 |
| Average equity | $53,156,400 | 1,261 |
| Average total loans | $471,388,400 | 954 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2990% | 510 |
| Cost of funding earning assets | 0.8071% | 6,741 |
| Net interest margin | 5.4919% | 178 |
| Noninterest income to average assets | 1.6424% | 521 |
| Noninterest expense to average assets | 4.3380% | 714 |
| Loan and lease loss provision to assets | 0.4101% | 3,441 |
| Net operating income to assets | 1.8565% | 446 |
| Return on assets (ROA) | 1.8565% | 495 |
| Pretax return on assets | 1.8565% | 838 |
| Return on Equity (ROE) | 18.2766% | 459 |
| Retained earnings to average equity (ytd only) | 10.0814% | 772 |
| Net charge-offs to loans | 0.0772% | 5,749 |
| Credit loss provision to net charge-offs | 586.4469% | 497 |
| Earnings coverage of net charge-offs (x) | 32.4140% | 829 |
| Efficiency ratio | 65.6816% | 4,929 |
| Assets per employee ($millions) | 3.4260% | 5,147 |
| Cash dividends to net income (ytd only)* | 44.8400% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5453% | 3,752 |
| Loan loss allowance to noncurrent loans | 51.7641% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 3.5825% | 1,988 |
| Noncurrent loans to loans | 2.9853% | 2,675 |
| Net loans and leases to total assets | 88.3209% | 98 |
| Net loans and leases to deposits | 109.3124% | 270 |
| Net loans and leases to core deposits | 110.4005% | 1,014 |
| Total domestic deposits to total assets | 80.7968% | 5,452 |
| Equity capital to assets | 10.2904% | 3,782 |
| Core capital (leverage) ratio | 9.7664% | 3,529 |
| Tier 1 risk-based capital ratio | 10.7066% | 6,627 |
| Total risk-based capital ratio | 11.9604% | 6,605 |
| Memoranda: | ||
| Average total assets | $520,536,250 | 1,294 |
| Average earning assets | $470,327,750 | 1,316 |
| Average equity | $52,875,000 | 1,269 |
| Average total loans | $471,613,750 | 962 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2438% | 573 |
| Cost of funding earning assets | 0.8242% | 6,835 |
| Net interest margin | 5.4196% | 188 |
| Noninterest income to average assets | 1.5771% | 519 |
| Noninterest expense to average assets | 4.3334% | 698 |
| Loan and lease loss provision to assets | 0.3474% | 3,639 |
| Net operating income to assets | 1.7880% | 497 |
| Return on assets (ROA) | 1.7880% | 548 |
| Pretax return on assets | 1.7880% | 908 |
| Return on Equity (ROE) | 17.6816% | 499 |
| Retained earnings to average equity (ytd only) | 9.0555% | 1,085 |
| Net charge-offs to loans | 0.0857% | 5,283 |
| Credit loss provision to net charge-offs | 445.7711% | 814 |
| Earnings coverage of net charge-offs (x) | 27.4030% | 979 |
| Efficiency ratio | 66.9903% | 4,765 |
| Assets per employee ($millions) | 3.2811% | 5,477 |
| Cash dividends to net income (ytd only)* | 48.7858% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4243% | 4,316 |
| Loan loss allowance to noncurrent loans | 43.2410% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 4.1084% | 1,658 |
| Noncurrent loans to loans | 3.2938% | 2,431 |
| Net loans and leases to total assets | 89.8833% | 78 |
| Net loans and leases to deposits | 111.4337% | 240 |
| Net loans and leases to core deposits | 112.6642% | 996 |
| Total domestic deposits to total assets | 80.6608% | 5,520 |
| Equity capital to assets | 10.2281% | 3,731 |
| Core capital (leverage) ratio | 9.5406% | 3,759 |
| Tier 1 risk-based capital ratio | 10.4091% | 6,752 |
| Total risk-based capital ratio | 11.6614% | 6,740 |
| Memoranda: | ||
| Average total assets | $515,896,000 | 1,309 |
| Average earning assets | $465,647,330 | 1,334 |
| Average equity | $52,167,330 | 1,275 |
| Average total loans | $469,003,000 | 980 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1817% | 664 |
| Cost of funding earning assets | 0.8397% | 6,971 |
| Net interest margin | 5.3421% | 226 |
| Noninterest income to average assets | 1.5634% | 499 |
| Noninterest expense to average assets | 4.1903% | 824 |
| Loan and lease loss provision to assets | 0.3478% | 3,294 |
| Net operating income to assets | 1.8472% | 449 |
| Return on assets (ROA) | 1.8472% | 495 |
| Pretax return on assets | 1.8472% | 811 |
| Return on Equity (ROE) | 18.3745% | 488 |
| Retained earnings to average equity (ytd only) | 8.6792% | 1,487 |
| Net charge-offs to loans | 0.1400% | 4,096 |
| Credit loss provision to net charge-offs | 273.6196% | 1,447 |
| Earnings coverage of net charge-offs (x) | 17.2699% | 1,293 |
| Efficiency ratio | 65.6246% | 5,201 |
| Assets per employee ($millions) | 3.2205% | 5,719 |
| Cash dividends to net income (ytd only)* | 52.7649% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3549% | 4,651 |
| Loan loss allowance to noncurrent loans | 37.7522% | 5,840 |
| Noncurrent assets plus other real estate owned to assets | 4.0749% | 1,680 |
| Noncurrent loans to loans | 3.5889% | 2,224 |
| Net loans and leases to total assets | 89.3339% | 88 |
| Net loans and leases to deposits | 110.5618% | 277 |
| Net loans and leases to core deposits | 111.9958% | 1,164 |
| Total domestic deposits to total assets | 80.8000% | 5,521 |
| Equity capital to assets | 10.0533% | 3,795 |
| Core capital (leverage) ratio | 9.3650% | 3,955 |
| Tier 1 risk-based capital ratio | 10.2141% | 6,875 |
| Total risk-based capital ratio | 11.4655% | 6,869 |
| Memoranda: | ||
| Average total assets | $512,998,500 | 1,354 |
| Average earning assets | $463,041,500 | 1,371 |
| Average equity | $51,571,500 | 1,295 |
| Average total loans | $465,660,500 | 1,012 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7036% | 460 |
| Cost of funding earning assets | 1.0518% | 7,096 |
| Net interest margin | 5.6518% | 157 |
| Noninterest income to average assets | 1.7102% | 493 |
| Noninterest expense to average assets | 4.6967% | 650 |
| Loan and lease loss provision to assets | 0.1186% | 6,457 |
| Net operating income to assets | 1.9829% | 239 |
| Return on assets (ROA) | 2.0412% | 229 |
| Pretax return on assets | 2.0412% | 379 |
| Return on Equity (ROE) | 20.8628% | 205 |
| Retained earnings to average equity (ytd only) | 11.5490% | 245 |
| Net charge-offs to loans | 0.0241% | 6,902 |
| Credit loss provision to net charge-offs | 543.9252% | 555 |
| Earnings coverage of net charge-offs (x) | 96.3645% | 285 |
| Efficiency ratio | 69.0871% | 4,809 |
| Assets per employee ($millions) | 3.0758% | 6,043 |
| Cash dividends to net income (ytd only)* | 44.6430% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3167% | 4,665 |
| Loan loss allowance to noncurrent loans | 86.7332% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 2.1166% | 3,249 |
| Noncurrent loans to loans | 1.5181% | 4,379 |
| Net loans and leases to total assets | 89.7902% | 92 |
| Net loans and leases to deposits | 110.0366% | 382 |
| Net loans and leases to core deposits | 117.2402% | 2,203 |
| Total domestic deposits to total assets | 81.6003% | 5,108 |
| Equity capital to assets | 10.0526% | 3,689 |
| Core capital (leverage) ratio | 9.2568% | 4,043 |
| Tier 1 risk-based capital ratio | 10.1660% | 6,715 |
| Total risk-based capital ratio | 11.4170% | 6,684 |
| Memoranda: | ||
| Average total assets | $490,645,600 | 1,412 |
| Average earning assets | $441,703,800 | 1,426 |
| Average equity | $48,004,200 | 1,405 |
| Average total loans | $444,071,800 | 1,079 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7545% | 458 |
| Cost of funding earning assets | 1.0968% | 7,180 |
| Net interest margin | 5.6577% | 150 |
| Noninterest income to average assets | 1.7128% | 500 |
| Noninterest expense to average assets | 4.7751% | 575 |
| Loan and lease loss provision to assets | 0.0499% | 6,872 |
| Net operating income to assets | 1.9793% | 306 |
| Return on assets (ROA) | 2.0582% | 281 |
| Pretax return on assets | 2.0582% | 487 |
| Return on Equity (ROE) | 21.1884% | 246 |
| Retained earnings to average equity (ytd only) | 11.3942% | 428 |
| Net charge-offs to loans | -0.1559% | 7,952 |
| Credit loss provision to net charge-offs | -35.4086% | 7,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1781% | 4,555 |
| Assets per employee ($millions) | 2.8988% | 6,408 |
| Cash dividends to net income (ytd only)* | 46.2245% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3941% | 3,981 |
| Loan loss allowance to noncurrent loans | 91.1063% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 2.1717% | 3,131 |
| Noncurrent loans to loans | 1.5302% | 4,355 |
| Net loans and leases to total assets | 89.8983% | 124 |
| Net loans and leases to deposits | 109.4592% | 481 |
| Net loans and leases to core deposits | 117.2853% | 2,494 |
| Total domestic deposits to total assets | 82.1295% | 4,628 |
| Equity capital to assets | 9.9900% | 4,101 |
| Core capital (leverage) ratio | 9.3242% | 4,147 |
| Tier 1 risk-based capital ratio | 10.1007% | 6,880 |
| Total risk-based capital ratio | 11.3527% | 6,819 |
| Memoranda: | ||
| Average total assets | $486,431,250 | 1,433 |
| Average earning assets | $437,738,500 | 1,453 |
| Average equity | $47,251,000 | 1,451 |
| Average total loans | $439,647,750 | 1,111 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7667% | 479 |
| Cost of funding earning assets | 1.1553% | 7,230 |
| Net interest margin | 5.6115% | 161 |
| Noninterest income to average assets | 1.6084% | 580 |
| Noninterest expense to average assets | 4.6406% | 669 |
| Loan and lease loss provision to assets | 0.3290% | 3,966 |
| Net operating income to assets | 1.6816% | 584 |
| Return on assets (ROA) | 1.8008% | 504 |
| Pretax return on assets | 1.8008% | 849 |
| Return on Equity (ROE) | 18.7203% | 428 |
| Retained earnings to average equity (ytd only) | 8.0912% | 1,182 |
| Net charge-offs to loans | 0.1864% | 4,399 |
| Credit loss provision to net charge-offs | 195.8128% | 2,334 |
| Earnings coverage of net charge-offs (x) | 11.9680% | 1,855 |
| Efficiency ratio | 69.7711% | 4,831 |
| Assets per employee ($millions) | 2.7206% | 6,793 |
| Cash dividends to net income (ytd only)* | 56.7785% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 3,973 |
| Loan loss allowance to noncurrent loans | 63.2278% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 2.7001% | 2,379 |
| Noncurrent loans to loans | 2.1370% | 3,323 |
| Net loans and leases to total assets | 89.8638% | 139 |
| Net loans and leases to deposits | 108.0892% | 645 |
| Net loans and leases to core deposits | 115.6781% | 2,742 |
| Total domestic deposits to total assets | 83.1385% | 4,176 |
| Equity capital to assets | 9.7264% | 4,311 |
| Core capital (leverage) ratio | 8.9493% | 4,719 |
| Tier 1 risk-based capital ratio | 9.7723% | 7,166 |
| Total risk-based capital ratio | 11.0237% | 7,105 |
| Memoranda: | ||
| Average total assets | $483,345,670 | 1,465 |
| Average earning assets | $434,360,670 | 1,485 |
| Average equity | $46,495,000 | 1,483 |
| Average total loans | $435,558,670 | 1,148 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7961% | 483 |
| Cost of funding earning assets | 1.2625% | 7,142 |
| Net interest margin | 5.5335% | 168 |
| Noninterest income to average assets | 1.6265% | 515 |
| Noninterest expense to average assets | 4.5048% | 704 |
| Loan and lease loss provision to assets | 0.2866% | 3,669 |
| Net operating income to assets | 1.7976% | 530 |
| Return on assets (ROA) | 2.0369% | 374 |
| Pretax return on assets | 2.0369% | 625 |
| Return on Equity (ROE) | 21.2942% | 344 |
| Retained earnings to average equity (ytd only) | 8.5194% | 1,625 |
| Net charge-offs to loans | 0.3522% | 2,677 |
| Credit loss provision to net charge-offs | 90.7895% | 3,989 |
| Earnings coverage of net charge-offs (x) | 6.6026% | 2,473 |
| Efficiency ratio | 68.3686% | 4,898 |
| Assets per employee ($millions) | 2.7243% | 6,831 |
| Cash dividends to net income (ytd only)* | 59.9918% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2673% | 4,296 |
| Loan loss allowance to noncurrent loans | 78.7917% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 2.3024% | 2,497 |
| Noncurrent loans to loans | 1.6084% | 3,864 |
| Net loans and leases to total assets | 89.4720% | 162 |
| Net loans and leases to deposits | 104.4740% | 980 |
| Net loans and leases to core deposits | 110.9832% | 3,310 |
| Total domestic deposits to total assets | 85.6404% | 2,905 |
| Equity capital to assets | 9.5821% | 4,553 |
| Core capital (leverage) ratio | 8.7377% | 5,082 |
| Tier 1 risk-based capital ratio | 10.1356% | 6,768 |
| Total risk-based capital ratio | 11.3866% | 6,687 |
| Memoranda: | ||
| Average total assets | $481,525,500 | 1,479 |
| Average earning assets | $431,839,000 | 1,506 |
| Average equity | $46,059,500 | 1,501 |
| Average total loans | $431,529,000 | 1,168 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4786% | 428 |
| Cost of funding earning assets | 1.7038% | 7,252 |
| Net interest margin | 5.7749% | 138 |
| Noninterest income to average assets | 2.1556% | 305 |
| Noninterest expense to average assets | 4.9281% | 647 |
| Loan and lease loss provision to assets | 1.0388% | 1,414 |
| Net operating income to assets | 1.3350% | 1,384 |
| Return on assets (ROA) | 1.3333% | 1,344 |
| Pretax return on assets | 1.3333% | 2,198 |
| Return on Equity (ROE) | 13.0689% | 1,311 |
| Retained earnings to average equity (ytd only) | -2.9433% | 6,093 |
| Net charge-offs to loans | 0.7190% | 1,718 |
| Credit loss provision to net charge-offs | 169.2820% | 3,033 |
| Earnings coverage of net charge-offs (x) | 3.8683% | 4,198 |
| Efficiency ratio | 67.4909% | 4,817 |
| Assets per employee ($millions) | 2.4773% | 7,244 |
| Cash dividends to net income (ytd only)* | 122.5214% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 3,636 |
| Loan loss allowance to noncurrent loans | 94.2641% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 2.0838% | 2,364 |
| Noncurrent loans to loans | 1.4034% | 3,706 |
| Net loans and leases to total assets | 87.4274% | 422 |
| Net loans and leases to deposits | 103.7263% | 1,370 |
| Net loans and leases to core deposits | 110.1364% | 3,767 |
| Total domestic deposits to total assets | 84.2866% | 3,184 |
| Equity capital to assets | 9.5483% | 4,614 |
| Core capital (leverage) ratio | 8.8160% | 5,016 |
| Tier 1 risk-based capital ratio | 10.1578% | 6,570 |
| Total risk-based capital ratio | 11.4091% | 6,425 |
| Memoranda: | ||
| Average total assets | $465,247,000 | 1,477 |
| Average earning assets | $414,607,600 | 1,511 |
| Average equity | $47,463,800 | 1,442 |
| Average total loans | $397,053,200 | 1,221 |