Home > Citizens & Northern Bank > Performance and Condition Ratios
Citizens & Northern Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0355% | 2,005 |
| Cost of funding earning assets | 1.4124% | 2,201 |
| Net interest margin | 3.6231% | 1,926 |
| Noninterest income to average assets | 1.1200% | 534 |
| Noninterest expense to average assets | 2.9645% | 1,172 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.1475% | 1,790 |
| Return on assets (ROA) | 1.0503% | 2,034 |
| Pretax return on assets | 1.3362% | 1,774 |
| Return on Equity (ROE) | 9.9300% | 2,513 |
| Retained earnings to average equity (ytd only) | 2.4625% | 3,456 |
| Net charge-offs to loans | 0.0147% | 2,111 |
| Credit loss provision to net charge-offs | 285.2273% | 989 |
| Earnings coverage of net charge-offs (x) | 136.5076% | 758 |
| Efficiency ratio | 66.5231% | 2,283 |
| Assets per employee ($millions) | 6.1926% | 2,648 |
| Cash dividends to net income (ytd only)* | 75.2015% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0390% | 3,116 |
| Loan loss allowance to noncurrent loans | 104.5789% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.7533% | 686 |
| Noncurrent loans to loans | 0.9935% | 745 |
| Net loans and leases to total assets | 73.1300% | 1,460 |
| Net loans and leases to deposits | 90.0835% | 1,254 |
| Net loans and leases to core deposits | 99.8395% | 1,447 |
| Total domestic deposits to total assets | 81.1800% | 3,277 |
| Equity capital to assets | 10.8835% | 1,534 |
| Core capital (leverage) ratio | 10.3185% | 2,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8890% | 1,567 |
| Memoranda: | ||
| Average total assets | $2,456,796,200 | 478 |
| Average earning assets | $2,246,466,800 | 473 |
| Average equity | $259,862,800 | 442 |
| Average total loans | $1,796,409,600 | 443 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9346% | 1,987 |
| Cost of funding earning assets | 1.2744% | 2,213 |
| Net interest margin | 3.6602% | 1,862 |
| Noninterest income to average assets | 1.0200% | 619 |
| Noninterest expense to average assets | 2.9789% | 1,101 |
| Loan and lease loss provision to assets | -0.0400% | 4,449 |
| Net operating income to assets | 1.1574% | 1,904 |
| Return on assets (ROA) | 1.1565% | 1,889 |
| Pretax return on assets | 1.4407% | 1,690 |
| Return on Equity (ROE) | 11.0200% | 2,371 |
| Retained earnings to average equity (ytd only) | 3.6594% | 3,340 |
| Net charge-offs to loans | 0.0168% | 1,797 |
| Credit loss provision to net charge-offs | -181.7778% | 4,544 |
| Earnings coverage of net charge-offs (x) | 114.1378% | 865 |
| Efficiency ratio | 67.6457% | 2,053 |
| Assets per employee ($millions) | 6.0562% | 2,700 |
| Cash dividends to net income (ytd only)* | 66.7782% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9873% | 3,430 |
| Loan loss allowance to noncurrent loans | 107.6937% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.7052% | 800 |
| Noncurrent loans to loans | 0.9168% | 897 |
| Net loans and leases to total assets | 73.4000% | 1,418 |
| Net loans and leases to deposits | 88.8844% | 1,314 |
| Net loans and leases to core deposits | 98.6481% | 1,407 |
| Total domestic deposits to total assets | 82.5800% | 3,096 |
| Equity capital to assets | 10.1833% | 1,717 |
| Core capital (leverage) ratio | 10.4022% | 2,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0711% | 1,541 |
| Memoranda: | ||
| Average total assets | $2,445,539,750 | 482 |
| Average earning assets | $2,241,867,750 | 478 |
| Average equity | $256,757,000 | 441 |
| Average total loans | $1,783,331,500 | 444 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8242% | 1,940 |
| Cost of funding earning assets | 1.1014% | 2,276 |
| Net interest margin | 3.7228% | 1,778 |
| Noninterest income to average assets | 1.0000% | 566 |
| Noninterest expense to average assets | 3.0367% | 985 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.0838% | 2,165 |
| Return on assets (ROA) | 1.0842% | 2,157 |
| Pretax return on assets | 1.3464% | 1,950 |
| Return on Equity (ROE) | 10.2200% | 2,637 |
| Retained earnings to average equity (ytd only) | 2.5992% | 3,578 |
| Net charge-offs to loans | 0.0212% | 1,466 |
| Credit loss provision to net charge-offs | 280.2139% | 894 |
| Earnings coverage of net charge-offs (x) | 90.1604% | 991 |
| Efficiency ratio | 68.3196% | 1,944 |
| Assets per employee ($millions) | 5.9644% | 2,739 |
| Cash dividends to net income (ytd only)* | 74.5742% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 3,190 |
| Loan loss allowance to noncurrent loans | 136.2018% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.5880% | 920 |
| Noncurrent loans to loans | 0.7709% | 984 |
| Net loans and leases to total assets | 73.0900% | 1,397 |
| Net loans and leases to deposits | 88.6680% | 1,288 |
| Net loans and leases to core deposits | 98.4115% | 1,324 |
| Total domestic deposits to total assets | 82.4300% | 3,149 |
| Equity capital to assets | 10.5387% | 1,584 |
| Core capital (leverage) ratio | 10.3041% | 2,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1002% | 1,549 |
| Memoranda: | ||
| Average total assets | $2,437,071,000 | 471 |
| Average earning assets | $2,236,493,667 | 465 |
| Average equity | $258,468,333 | 431 |
| Average total loans | $1,767,183,333 | 435 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6785% | 1,901 |
| Cost of funding earning assets | 0.9003% | 2,373 |
| Net interest margin | 3.7782% | 1,729 |
| Noninterest income to average assets | 0.9200% | 655 |
| Noninterest expense to average assets | 3.1012% | 933 |
| Loan and lease loss provision to assets | -0.0600% | 4,531 |
| Net operating income to assets | 1.0866% | 2,270 |
| Return on assets (ROA) | 1.0894% | 2,229 |
| Pretax return on assets | 1.3477% | 2,029 |
| Return on Equity (ROE) | 10.2400% | 2,714 |
| Retained earnings to average equity (ytd only) | 1.8388% | 3,726 |
| Net charge-offs to loans | 0.0140% | 1,431 |
| Credit loss provision to net charge-offs | -511.4754% | 4,626 |
| Earnings coverage of net charge-offs (x) | 127.9344% | 678 |
| Efficiency ratio | 70.3005% | 1,719 |
| Assets per employee ($millions) | 5.8463% | 2,896 |
| Cash dividends to net income (ytd only)* | 82.0424% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0508% | 3,291 |
| Loan loss allowance to noncurrent loans | 130.1873% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.6026% | 843 |
| Noncurrent loans to loans | 0.8071% | 951 |
| Net loans and leases to total assets | 71.5500% | 1,465 |
| Net loans and leases to deposits | 89.2973% | 1,108 |
| Net loans and leases to core deposits | 95.8843% | 1,292 |
| Total domestic deposits to total assets | 80.1300% | 3,746 |
| Equity capital to assets | 10.8356% | 1,406 |
| Core capital (leverage) ratio | 10.3796% | 2,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4425% | 1,509 |
| Memoranda: | ||
| Average total assets | $2,426,940,500 | 481 |
| Average earning assets | $2,226,428,000 | 480 |
| Average equity | $258,217,500 | 442 |
| Average total loans | $1,743,275,000 | 445 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2360% | 1,183 |
| Cost of funding earning assets | 0.3657% | 2,360 |
| Net interest margin | 3.8703% | 1,031 |
| Noninterest income to average assets | 1.0400% | 600 |
| Noninterest expense to average assets | 2.8397% | 1,242 |
| Loan and lease loss provision to assets | 0.3100% | 263 |
| Net operating income to assets | 1.1865% | 1,823 |
| Return on assets (ROA) | 1.1834% | 1,776 |
| Pretax return on assets | 1.4512% | 1,608 |
| Return on Equity (ROE) | 10.4600% | 2,657 |
| Retained earnings to average equity (ytd only) | 3.1905% | 3,669 |
| Net charge-offs to loans | 0.2548% | 314 |
| Credit loss provision to net charge-offs | 173.6893% | 1,202 |
| Earnings coverage of net charge-offs (x) | 9.9897% | 2,207 |
| Efficiency ratio | 61.3156% | 2,871 |
| Assets per employee ($millions) | 5.8780% | 2,876 |
| Cash dividends to net income (ytd only)* | 69.4978% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 3,584 |
| Loan loss allowance to noncurrent loans | 65.6149% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 1.0493% | 406 |
| Noncurrent loans to loans | 1.4548% | 453 |
| Net loans and leases to total assets | 70.6700% | 1,564 |
| Net loans and leases to deposits | 85.4860% | 1,354 |
| Net loans and leases to core deposits | 90.2580% | 1,489 |
| Total domestic deposits to total assets | 82.6700% | 3,495 |
| Equity capital to assets | 10.4457% | 1,477 |
| Core capital (leverage) ratio | 10.3832% | 2,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6768% | 1,739 |
| Memoranda: | ||
| Average total assets | $2,369,015,200 | 474 |
| Average earning assets | $2,178,309,600 | 471 |
| Average equity | $268,012,800 | 419 |
| Average total loans | $1,639,607,400 | 438 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0990% | 1,075 |
| Cost of funding earning assets | 0.2929% | 2,245 |
| Net interest margin | 3.8062% | 942 |
| Noninterest income to average assets | 1.0500% | 616 |
| Noninterest expense to average assets | 2.8788% | 1,095 |
| Loan and lease loss provision to assets | 0.2800% | 264 |
| Net operating income to assets | 1.1350% | 1,955 |
| Return on assets (ROA) | 1.1306% | 1,936 |
| Pretax return on assets | 1.3818% | 1,772 |
| Return on Equity (ROE) | 9.8000% | 2,790 |
| Retained earnings to average equity (ytd only) | 2.3564% | 3,948 |
| Net charge-offs to loans | 0.1949% | 336 |
| Credit loss provision to net charge-offs | 211.5678% | 952 |
| Earnings coverage of net charge-offs (x) | 12.4809% | 1,915 |
| Efficiency ratio | 62.8749% | 2,707 |
| Assets per employee ($millions) | 5.7759% | 2,955 |
| Cash dividends to net income (ytd only)* | 75.9529% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9566% | 3,667 |
| Loan loss allowance to noncurrent loans | 79.0400% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.8766% | 555 |
| Noncurrent loans to loans | 1.2102% | 606 |
| Net loans and leases to total assets | 70.1900% | 1,464 |
| Net loans and leases to deposits | 81.3252% | 1,495 |
| Net loans and leases to core deposits | 85.6554% | 1,540 |
| Total domestic deposits to total assets | 86.3000% | 2,985 |
| Equity capital to assets | 10.2580% | 1,483 |
| Core capital (leverage) ratio | 10.3231% | 2,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7420% | 1,792 |
| Memoranda: | ||
| Average total assets | $2,351,426,250 | 476 |
| Average earning assets | $2,163,509,000 | 475 |
| Average equity | $271,313,750 | 416 |
| Average total loans | $1,614,363,750 | 437 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9768% | 969 |
| Cost of funding earning assets | 0.2103% | 2,774 |
| Net interest margin | 3.7665% | 808 |
| Noninterest income to average assets | 1.0915% | 560 |
| Noninterest expense to average assets | 2.8649% | 1,044 |
| Loan and lease loss provision to assets | 0.1025% | 975 |
| Net operating income to assets | 1.3023% | 1,130 |
| Return on assets (ROA) | 1.2970% | 1,125 |
| Pretax return on assets | 1.5902% | 962 |
| Return on Equity (ROE) | 10.8329% | 2,038 |
| Retained earnings to average equity (ytd only) | 3.7661% | 3,173 |
| Net charge-offs to loans | 0.0238% | 1,244 |
| Credit loss provision to net charge-offs | 634.3915% | 547 |
| Earnings coverage of net charge-offs (x) | 105.1852% | 792 |
| Efficiency ratio | 62.3614% | 3,003 |
| Assets per employee ($millions) | 5.9129% | 2,823 |
| Cash dividends to net income (ytd only)* | 65.2346% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8764% | 4,013 |
| Loan loss allowance to noncurrent loans | 101.4718% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.6197% | 892 |
| Noncurrent loans to loans | 0.8637% | 986 |
| Net loans and leases to total assets | 68.7052% | 1,418 |
| Net loans and leases to deposits | 83.0292% | 1,180 |
| Net loans and leases to core deposits | 88.2299% | 1,211 |
| Total domestic deposits to total assets | 82.7482% | 3,911 |
| Equity capital to assets | 11.0574% | 1,181 |
| Core capital (leverage) ratio | 10.6269% | 1,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0521% | 1,690 |
| Memoranda: | ||
| Average total assets | $2,340,081,333 | 474 |
| Average earning assets | $2,157,372,000 | 476 |
| Average equity | $280,184,667 | 407 |
| Average total loans | $1,589,009,667 | 440 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0497% | 699 |
| Cost of funding earning assets | 0.1793% | 3,094 |
| Net interest margin | 3.8704% | 541 |
| Noninterest income to average assets | 1.0107% | 664 |
| Noninterest expense to average assets | 2.8747% | 1,005 |
| Loan and lease loss provision to assets | 0.1541% | 508 |
| Net operating income to assets | 1.2770% | 1,052 |
| Return on assets (ROA) | 1.2709% | 1,063 |
| Pretax return on assets | 1.5583% | 904 |
| Return on Equity (ROE) | 10.2098% | 1,883 |
| Retained earnings to average equity (ytd only) | 3.2625% | 3,175 |
| Net charge-offs to loans | 0.0404% | 881 |
| Credit loss provision to net charge-offs | 567.5159% | 484 |
| Earnings coverage of net charge-offs (x) | 63.3376% | 835 |
| Efficiency ratio | 62.1532% | 3,242 |
| Assets per employee ($millions) | 5.7427% | 3,067 |
| Cash dividends to net income (ytd only)* | 68.0457% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9261% | 3,973 |
| Loan loss allowance to noncurrent loans | 77.6695% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 0.8169% | 672 |
| Noncurrent loans to loans | 1.1924% | 746 |
| Net loans and leases to total assets | 65.9668% | 1,414 |
| Net loans and leases to deposits | 76.6110% | 1,394 |
| Net loans and leases to core deposits | 80.5473% | 1,449 |
| Total domestic deposits to total assets | 86.1062% | 3,222 |
| Equity capital to assets | 11.9674% | 966 |
| Core capital (leverage) ratio | 10.6982% | 1,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2318% | 1,447 |
| Memoranda: | ||
| Average total assets | $2,312,765,000 | 483 |
| Average earning assets | $2,141,471,000 | 486 |
| Average equity | $287,880,000 | 411 |
| Average total loans | $1,553,595,000 | 449 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9532% | 1,480 |
| Cost of funding earning assets | 0.2331% | 3,101 |
| Net interest margin | 3.7200% | 1,169 |
| Noninterest income to average assets | 1.1276% | 828 |
| Noninterest expense to average assets | 2.6855% | 1,669 |
| Loan and lease loss provision to assets | 0.1590% | 748 |
| Net operating income to assets | 1.3868% | 1,323 |
| Return on assets (ROA) | 1.3867% | 1,379 |
| Pretax return on assets | 1.7213% | 1,090 |
| Return on Equity (ROE) | 10.7978% | 2,237 |
| Retained earnings to average equity (ytd only) | 3.9657% | 3,231 |
| Net charge-offs to loans | 0.0942% | 891 |
| Credit loss provision to net charge-offs | 242.6110% | 1,189 |
| Earnings coverage of net charge-offs (x) | 28.6918% | 1,638 |
| Efficiency ratio | 58.3058% | 3,398 |
| Assets per employee ($millions) | 5.7493% | 3,010 |
| Cash dividends to net income (ytd only)* | 63.2733% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8643% | 4,148 |
| Loan loss allowance to noncurrent loans | 63.7996% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 0.9476% | 605 |
| Noncurrent loans to loans | 1.3547% | 690 |
| Net loans and leases to total assets | 67.1812% | 1,354 |
| Net loans and leases to deposits | 79.2551% | 1,277 |
| Net loans and leases to core deposits | 83.8627% | 1,340 |
| Total domestic deposits to total assets | 84.7657% | 3,340 |
| Equity capital to assets | 12.9281% | 923 |
| Core capital (leverage) ratio | 10.5167% | 1,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0370% | 1,498 |
| Memoranda: | ||
| Average total assets | $2,302,294,600 | 463 |
| Average earning assets | $2,128,070,200 | 464 |
| Average equity | $295,661,600 | 400 |
| Average total loans | $1,601,494,600 | 441 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9525% | 1,636 |
| Cost of funding earning assets | 0.2455% | 3,160 |
| Net interest margin | 3.7071% | 1,315 |
| Noninterest income to average assets | 1.1278% | 894 |
| Noninterest expense to average assets | 2.6604% | 1,686 |
| Loan and lease loss provision to assets | 0.1468% | 771 |
| Net operating income to assets | 1.4042% | 1,530 |
| Return on assets (ROA) | 1.4044% | 1,585 |
| Pretax return on assets | 1.7447% | 1,291 |
| Return on Equity (ROE) | 10.9548% | 2,381 |
| Retained earnings to average equity (ytd only) | 4.0820% | 3,554 |
| Net charge-offs to loans | 0.1008% | 734 |
| Credit loss provision to net charge-offs | 207.9639% | 1,185 |
| Earnings coverage of net charge-offs (x) | 26.7849% | 1,592 |
| Efficiency ratio | 57.9396% | 3,268 |
| Assets per employee ($millions) | 5.9804% | 2,717 |
| Cash dividends to net income (ytd only)* | 62.7373% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8049% | 4,340 |
| Loan loss allowance to noncurrent loans | 54.5884% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 1.0537% | 613 |
| Noncurrent loans to loans | 1.4745% | 718 |
| Net loans and leases to total assets | 66.9332% | 1,436 |
| Net loans and leases to deposits | 79.2877% | 1,352 |
| Net loans and leases to core deposits | 84.0782% | 1,421 |
| Total domestic deposits to total assets | 84.4181% | 3,331 |
| Equity capital to assets | 12.7107% | 1,085 |
| Core capital (leverage) ratio | 10.3517% | 2,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3468% | 1,530 |
| Memoranda: | ||
| Average total assets | $2,300,065,000 | 469 |
| Average earning assets | $2,124,294,000 | 469 |
| Average equity | $294,877,750 | 405 |
| Average total loans | $1,610,309,000 | 441 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9760% | 1,627 |
| Cost of funding earning assets | 0.2613% | 3,172 |
| Net interest margin | 3.7147% | 1,314 |
| Noninterest income to average assets | 1.1468% | 863 |
| Noninterest expense to average assets | 2.6878% | 1,620 |
| Loan and lease loss provision to assets | 0.0877% | 1,413 |
| Net operating income to assets | 1.4381% | 1,456 |
| Return on assets (ROA) | 1.4371% | 1,528 |
| Pretax return on assets | 1.8008% | 1,229 |
| Return on Equity (ROE) | 11.1772% | 2,359 |
| Retained earnings to average equity (ytd only) | 4.2408% | 3,443 |
| Net charge-offs to loans | 0.0016% | 2,161 |
| Credit loss provision to net charge-offs | 7,715.3846% | 82 |
| Earnings coverage of net charge-offs (x) | 1,662.3846% | 71 |
| Efficiency ratio | 58.2063% | 3,256 |
| Assets per employee ($millions) | 5.9856% | 2,626 |
| Cash dividends to net income (ytd only)* | 62.0589% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7734% | 4,407 |
| Loan loss allowance to noncurrent loans | 49.7948% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 1.1275% | 631 |
| Noncurrent loans to loans | 1.5531% | 721 |
| Net loans and leases to total assets | 68.3663% | 1,401 |
| Net loans and leases to deposits | 81.1862% | 1,306 |
| Net loans and leases to core deposits | 86.3599% | 1,390 |
| Total domestic deposits to total assets | 84.2093% | 3,363 |
| Equity capital to assets | 12.7829% | 1,020 |
| Core capital (leverage) ratio | 10.3113% | 2,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3994% | 1,502 |
| Memoranda: | ||
| Average total assets | $2,287,312,667 | 468 |
| Average earning assets | $2,112,388,000 | 468 |
| Average equity | $294,097,667 | 404 |
| Average total loans | $1,621,140,667 | 440 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1390% | 1,306 |
| Cost of funding earning assets | 0.2727% | 3,243 |
| Net interest margin | 3.8663% | 1,039 |
| Noninterest income to average assets | 1.1970% | 858 |
| Noninterest expense to average assets | 2.7340% | 1,536 |
| Loan and lease loss provision to assets | 0.0456% | 2,165 |
| Net operating income to assets | 1.5905% | 1,145 |
| Return on assets (ROA) | 1.5880% | 1,199 |
| Pretax return on assets | 1.9799% | 980 |
| Return on Equity (ROE) | 12.3139% | 1,900 |
| Retained earnings to average equity (ytd only) | 6.5744% | 2,700 |
| Net charge-offs to loans | -0.0042% | 3,326 |
| Credit loss provision to net charge-offs | -1,523.5294% | 3,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9082% | 3,437 |
| Assets per employee ($millions) | 6.0497% | 2,555 |
| Cash dividends to net income (ytd only)* | 46.6097% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7206% | 4,541 |
| Loan loss allowance to noncurrent loans | 49.8312% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 1.0735% | 756 |
| Noncurrent loans to loans | 1.4462% | 872 |
| Net loans and leases to total assets | 69.3334% | 1,374 |
| Net loans and leases to deposits | 83.1795% | 1,227 |
| Net loans and leases to core deposits | 88.9847% | 1,289 |
| Total domestic deposits to total assets | 83.3539% | 3,601 |
| Equity capital to assets | 12.6439% | 1,016 |
| Core capital (leverage) ratio | 10.6606% | 1,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5117% | 1,426 |
| Memoranda: | ||
| Average total assets | $2,269,765,500 | 466 |
| Average earning assets | $2,093,348,500 | 467 |
| Average equity | $292,711,000 | 399 |
| Average total loans | $1,631,651,500 | 439 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3527% | 1,713 |
| Cost of funding earning assets | 0.5040% | 2,924 |
| Net interest margin | 3.8487% | 1,360 |
| Noninterest income to average assets | 1.2655% | 708 |
| Noninterest expense to average assets | 3.3256% | 876 |
| Loan and lease loss provision to assets | 0.2051% | 1,918 |
| Net operating income to assets | 1.0614% | 2,060 |
| Return on assets (ROA) | 1.0696% | 2,170 |
| Pretax return on assets | 1.3032% | 1,965 |
| Return on Equity (ROE) | 8.0861% | 2,779 |
| Retained earnings to average equity (ytd only) | -7.1727% | 4,874 |
| Net charge-offs to loans | 0.1705% | 975 |
| Credit loss provision to net charge-offs | 165.5245% | 2,342 |
| Earnings coverage of net charge-offs (x) | 12.0918% | 2,355 |
| Efficiency ratio | 68.3531% | 2,191 |
| Assets per employee ($millions) | 5.7577% | 2,571 |
| Cash dividends to net income (ytd only)* | 188.7043% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6920% | 4,601 |
| Loan loss allowance to noncurrent loans | 48.6726% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 1.1127% | 819 |
| Noncurrent loans to loans | 1.4218% | 945 |
| Net loans and leases to total assets | 73.5110% | 1,089 |
| Net loans and leases to deposits | 89.3803% | 973 |
| Net loans and leases to core deposits | 97.3611% | 1,038 |
| Total domestic deposits to total assets | 82.2452% | 3,604 |
| Equity capital to assets | 13.1590% | 1,039 |
| Core capital (leverage) ratio | 10.1196% | 2,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9824% | 1,535 |
| Memoranda: | ||
| Average total assets | $1,907,821,200 | 494 |
| Average earning assets | $1,763,901,600 | 498 |
| Average equity | $252,359,800 | 418 |
| Average total loans | $1,386,286,600 | 484 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3306% | 2,016 |
| Cost of funding earning assets | 0.5536% | 2,908 |
| Net interest margin | 3.7771% | 1,691 |
| Noninterest income to average assets | 1.2897% | 655 |
| Noninterest expense to average assets | 3.3621% | 835 |
| Loan and lease loss provision to assets | 0.2401% | 1,688 |
| Net operating income to assets | 0.9765% | 2,429 |
| Return on assets (ROA) | 0.9794% | 2,554 |
| Pretax return on assets | 1.1886% | 2,428 |
| Return on Equity (ROE) | 7.3929% | 3,057 |
| Retained earnings to average equity (ytd only) | -11.2623% | 4,944 |
| Net charge-offs to loans | 0.2397% | 637 |
| Credit loss provision to net charge-offs | 138.5943% | 2,397 |
| Earnings coverage of net charge-offs (x) | 8.2281% | 2,516 |
| Efficiency ratio | 69.7267% | 1,918 |
| Assets per employee ($millions) | 5.9902% | 2,273 |
| Cash dividends to net income (ytd only)* | 252.3406% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6353% | 4,681 |
| Loan loss allowance to noncurrent loans | 42.8338% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 1.1760% | 868 |
| Noncurrent loans to loans | 1.4832% | 973 |
| Net loans and leases to total assets | 71.9901% | 1,668 |
| Net loans and leases to deposits | 89.5274% | 1,316 |
| Net loans and leases to core deposits | 96.7597% | 1,396 |
| Total domestic deposits to total assets | 80.4112% | 3,780 |
| Equity capital to assets | 12.3952% | 1,470 |
| Core capital (leverage) ratio | 9.7407% | 2,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6468% | 1,613 |
| Memoranda: | ||
| Average total assets | $1,829,157,000 | 508 |
| Average earning assets | $1,693,746,500 | 505 |
| Average equity | $242,336,000 | 420 |
| Average total loans | $1,321,570,500 | 498 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3280% | 2,399 |
| Cost of funding earning assets | 0.6240% | 2,842 |
| Net interest margin | 3.7039% | 2,144 |
| Noninterest income to average assets | 1.2933% | 609 |
| Noninterest expense to average assets | 3.1084% | 1,337 |
| Loan and lease loss provision to assets | 0.1629% | 2,373 |
| Net operating income to assets | 1.1911% | 1,667 |
| Return on assets (ROA) | 1.1935% | 1,787 |
| Pretax return on assets | 1.4642% | 1,547 |
| Return on Equity (ROE) | 8.7444% | 2,474 |
| Retained earnings to average equity (ytd only) | -17.4703% | 4,995 |
| Net charge-offs to loans | 0.0270% | 2,179 |
| Credit loss provision to net charge-offs | 834.5679% | 893 |
| Earnings coverage of net charge-offs (x) | 83.2222% | 784 |
| Efficiency ratio | 65.3650% | 2,608 |
| Assets per employee ($millions) | 5.1299% | 3,027 |
| Cash dividends to net income (ytd only)* | 299.7880% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8873% | 4,043 |
| Loan loss allowance to noncurrent loans | 51.1054% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 1.3401% | 754 |
| Noncurrent loans to loans | 1.7362% | 824 |
| Net loans and leases to total assets | 71.2440% | 1,838 |
| Net loans and leases to deposits | 87.3407% | 1,623 |
| Net loans and leases to core deposits | 93.4688% | 1,790 |
| Total domestic deposits to total assets | 81.5702% | 3,483 |
| Equity capital to assets | 12.5380% | 1,360 |
| Core capital (leverage) ratio | 10.6309% | 2,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1988% | 1,206 |
| Memoranda: | ||
| Average total assets | $1,660,150,000 | 550 |
| Average earning assets | $1,541,549,000 | 539 |
| Average equity | $226,589,667 | 447 |
| Average total loans | $1,197,904,000 | 532 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4840% | 2,352 |
| Cost of funding earning assets | 0.7008% | 2,924 |
| Net interest margin | 3.7832% | 2,043 |
| Noninterest income to average assets | 1.3057% | 527 |
| Noninterest expense to average assets | 3.1725% | 1,479 |
| Loan and lease loss provision to assets | 0.3759% | 822 |
| Net operating income to assets | 1.0529% | 1,994 |
| Return on assets (ROA) | 1.0559% | 2,084 |
| Pretax return on assets | 1.2776% | 1,937 |
| Return on Equity (ROE) | 7.4157% | 2,775 |
| Retained earnings to average equity (ytd only) | 0.5045% | 3,876 |
| Net charge-offs to loans | 0.0116% | 2,172 |
| Credit loss provision to net charge-offs | 4,494.1176% | 181 |
| Earnings coverage of net charge-offs (x) | 197.2353% | 350 |
| Efficiency ratio | 65.4711% | 3,031 |
| Assets per employee ($millions) | 4.8450% | 2,820 |
| Cash dividends to net income (ytd only)* | 93.1966% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9700% | 3,842 |
| Loan loss allowance to noncurrent loans | 78.6696% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 0.9971% | 1,322 |
| Noncurrent loans to loans | 1.2330% | 1,323 |
| Net loans and leases to total assets | 71.6949% | 1,965 |
| Net loans and leases to deposits | 92.0212% | 1,280 |
| Net loans and leases to core deposits | 99.4711% | 1,513 |
| Total domestic deposits to total assets | 77.9113% | 4,233 |
| Equity capital to assets | 14.5410% | 881 |
| Core capital (leverage) ratio | 12.3776% | 1,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0234% | 983 |
| Memoranda: | ||
| Average total assets | $1,625,839,500 | 540 |
| Average earning assets | $1,511,315,000 | 527 |
| Average equity | $231,508,000 | 441 |
| Average total loans | $1,175,520,500 | 521 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6843% | 2,374 |
| Cost of funding earning assets | 0.7226% | 3,054 |
| Net interest margin | 3.9617% | 1,965 |
| Noninterest income to average assets | 1.2847% | 574 |
| Noninterest expense to average assets | 3.2475% | 1,415 |
| Loan and lease loss provision to assets | 0.0573% | 2,887 |
| Net operating income to assets | 1.3661% | 1,457 |
| Return on assets (ROA) | 1.3690% | 1,528 |
| Pretax return on assets | 1.6584% | 1,310 |
| Return on Equity (ROE) | 9.9080% | 2,339 |
| Retained earnings to average equity (ytd only) | -2.1053% | 4,873 |
| Net charge-offs to loans | 0.0316% | 2,758 |
| Credit loss provision to net charge-offs | 263.6646% | 1,053 |
| Earnings coverage of net charge-offs (x) | 78.8043% | 800 |
| Efficiency ratio | 65.1760% | 2,898 |
| Assets per employee ($millions) | 4.8758% | 2,740 |
| Cash dividends to net income (ytd only)* | 121.2480% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8315% | 4,214 |
| Loan loss allowance to noncurrent loans | 94.3501% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 0.8125% | 1,595 |
| Noncurrent loans to loans | 0.8812% | 1,741 |
| Net loans and leases to total assets | 71.6086% | 2,149 |
| Net loans and leases to deposits | 93.1488% | 1,239 |
| Net loans and leases to core deposits | 101.1356% | 1,474 |
| Total domestic deposits to total assets | 76.8755% | 4,503 |
| Equity capital to assets | 13.9422% | 1,115 |
| Core capital (leverage) ratio | 12.2424% | 1,632 |
| Tier 1 risk-based capital ratio | 17.8274% | 1,805 |
| Total risk-based capital ratio | 18.7538% | 1,845 |
| Memoranda: | ||
| Average total assets | $1,482,034,400 | 557 |
| Average earning assets | $1,374,765,200 | 552 |
| Average equity | $204,773,400 | 468 |
| Average total loans | $1,019,080,800 | 563 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7046% | 2,405 |
| Cost of funding earning assets | 0.7027% | 3,211 |
| Net interest margin | 4.0019% | 1,934 |
| Noninterest income to average assets | 1.2948% | 554 |
| Noninterest expense to average assets | 3.3706% | 1,137 |
| Loan and lease loss provision to assets | 0.0182% | 3,544 |
| Net operating income to assets | 1.3352% | 1,701 |
| Return on assets (ROA) | 1.3392% | 1,757 |
| Pretax return on assets | 1.6211% | 1,559 |
| Return on Equity (ROE) | 9.7176% | 2,555 |
| Retained earnings to average equity (ytd only) | -4.2950% | 5,036 |
| Net charge-offs to loans | 0.0339% | 2,393 |
| Credit loss provision to net charge-offs | 79.1165% | 2,515 |
| Earnings coverage of net charge-offs (x) | 71.0365% | 938 |
| Efficiency ratio | 67.0697% | 2,578 |
| Assets per employee ($millions) | 4.9150% | 2,645 |
| Cash dividends to net income (ytd only)* | 144.1976% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8110% | 4,382 |
| Loan loss allowance to noncurrent loans | 81.0951% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 0.8714% | 1,573 |
| Noncurrent loans to loans | 1.0001% | 1,596 |
| Net loans and leases to total assets | 69.5921% | 2,537 |
| Net loans and leases to deposits | 86.9421% | 2,071 |
| Net loans and leases to core deposits | 93.5279% | 2,219 |
| Total domestic deposits to total assets | 80.0442% | 3,984 |
| Equity capital to assets | 13.9480% | 1,172 |
| Core capital (leverage) ratio | 12.2478% | 1,708 |
| Tier 1 risk-based capital ratio | 17.8710% | 1,859 |
| Total risk-based capital ratio | 18.7516% | 1,914 |
| Memoranda: | ||
| Average total assets | $1,442,971,750 | 573 |
| Average earning assets | $1,337,778,500 | 565 |
| Average equity | $198,863,500 | 481 |
| Average total loans | $978,103,750 | 586 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6844% | 2,413 |
| Cost of funding earning assets | 0.6505% | 3,407 |
| Net interest margin | 4.0339% | 1,819 |
| Noninterest income to average assets | 1.3230% | 500 |
| Noninterest expense to average assets | 3.6178% | 835 |
| Loan and lease loss provision to assets | -0.1391% | 5,228 |
| Net operating income to assets | 1.3183% | 1,705 |
| Return on assets (ROA) | 1.3223% | 1,744 |
| Pretax return on assets | 1.5921% | 1,569 |
| Return on Equity (ROE) | 9.6405% | 2,563 |
| Retained earnings to average equity (ytd only) | -8.6168% | 5,149 |
| Net charge-offs to loans | 0.0320% | 2,214 |
| Credit loss provision to net charge-offs | -649.3243% | 4,178 |
| Earnings coverage of net charge-offs (x) | 67.6014% | 922 |
| Efficiency ratio | 71.1984% | 2,035 |
| Assets per employee ($millions) | 4.8011% | 2,737 |
| Cash dividends to net income (ytd only)* | 189.3815% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7336% | 4,639 |
| Loan loss allowance to noncurrent loans | 68.7919% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 0.9552% | 1,460 |
| Noncurrent loans to loans | 1.0664% | 1,540 |
| Net loans and leases to total assets | 69.6136% | 2,590 |
| Net loans and leases to deposits | 85.8900% | 2,268 |
| Net loans and leases to core deposits | 91.7497% | 2,435 |
| Total domestic deposits to total assets | 81.0497% | 3,793 |
| Equity capital to assets | 14.0558% | 1,097 |
| Core capital (leverage) ratio | 12.2729% | 1,663 |
| Tier 1 risk-based capital ratio | 18.1226% | 1,775 |
| Total risk-based capital ratio | 18.9283% | 1,841 |
| Memoranda: | ||
| Average total assets | $1,381,671,000 | 593 |
| Average earning assets | $1,282,039,330 | 582 |
| Average equity | $189,512,670 | 493 |
| Average total loans | $923,660,670 | 620 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3830% | 3,294 |
| Cost of funding earning assets | 0.4559% | 4,262 |
| Net interest margin | 3.9271% | 2,106 |
| Noninterest income to average assets | 1.3579% | 462 |
| Noninterest expense to average assets | 3.3599% | 1,172 |
| Loan and lease loss provision to assets | -0.3001% | 5,322 |
| Net operating income to assets | 1.6157% | 866 |
| Return on assets (ROA) | 1.6188% | 892 |
| Pretax return on assets | 1.9484% | 704 |
| Return on Equity (ROE) | 11.9874% | 1,531 |
| Retained earnings to average equity (ytd only) | -20.0596% | 5,255 |
| Net charge-offs to loans | 0.0465% | 1,610 |
| Credit loss provision to net charge-offs | -996.8750% | 3,926 |
| Earnings coverage of net charge-offs (x) | 54.6250% | 971 |
| Efficiency ratio | 67.1262% | 2,776 |
| Assets per employee ($millions) | 4.2639% | 3,529 |
| Cash dividends to net income (ytd only)* | 267.3382% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 3,705 |
| Loan loss allowance to noncurrent loans | 72.7850% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 1.0368% | 1,344 |
| Noncurrent loans to loans | 1.3743% | 1,179 |
| Net loans and leases to total assets | 64.0943% | 3,274 |
| Net loans and leases to deposits | 77.2893% | 3,133 |
| Net loans and leases to core deposits | 79.6487% | 3,401 |
| Total domestic deposits to total assets | 82.9279% | 3,405 |
| Equity capital to assets | 13.3108% | 1,289 |
| Core capital (leverage) ratio | 12.6180% | 1,449 |
| Tier 1 risk-based capital ratio | 19.6432% | 1,413 |
| Total risk-based capital ratio | 20.7057% | 1,427 |
| Memoranda: | ||
| Average total assets | $1,275,526,000 | 626 |
| Average earning assets | $1,184,392,000 | 621 |
| Average equity | $172,247,000 | 531 |
| Average total loans | $826,584,000 | 697 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2712% | 3,211 |
| Cost of funding earning assets | 0.3949% | 4,010 |
| Net interest margin | 3.8763% | 2,408 |
| Noninterest income to average assets | 1.6534% | 352 |
| Noninterest expense to average assets | 3.0432% | 1,955 |
| Loan and lease loss provision to assets | 0.0462% | 3,264 |
| Net operating income to assets | 1.7955% | 554 |
| Return on assets (ROA) | 1.7785% | 578 |
| Pretax return on assets | 2.1350% | 407 |
| Return on Equity (ROE) | 13.3736% | 1,209 |
| Retained earnings to average equity (ytd only) | 5.7632% | 2,314 |
| Net charge-offs to loans | 0.0160% | 3,150 |
| Credit loss provision to net charge-offs | 445.8015% | 766 |
| Earnings coverage of net charge-offs (x) | 212.5573% | 435 |
| Efficiency ratio | 58.0164% | 4,155 |
| Assets per employee ($millions) | 4.2681% | 3,515 |
| Cash dividends to net income (ytd only)* | 56.9066% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 2,955 |
| Loan loss allowance to noncurrent loans | 58.1122% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 1.3887% | 887 |
| Noncurrent loans to loans | 1.9352% | 707 |
| Net loans and leases to total assets | 64.1353% | 3,344 |
| Net loans and leases to deposits | 78.5834% | 3,098 |
| Net loans and leases to core deposits | 81.4045% | 3,316 |
| Total domestic deposits to total assets | 81.6143% | 3,751 |
| Equity capital to assets | 13.6970% | 1,068 |
| Core capital (leverage) ratio | 13.1608% | 1,188 |
| Tier 1 risk-based capital ratio | 20.5635% | 1,214 |
| Total risk-based capital ratio | 21.7511% | 1,201 |
| Memoranda: | ||
| Average total assets | $1,264,714,200 | 620 |
| Average earning assets | $1,171,800,400 | 611 |
| Average equity | $168,189,000 | 522 |
| Average total loans | $820,747,000 | 682 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2011% | 3,323 |
| Cost of funding earning assets | 0.3783% | 4,004 |
| Net interest margin | 3.8227% | 2,556 |
| Noninterest income to average assets | 1.6757% | 357 |
| Noninterest expense to average assets | 3.0209% | 1,950 |
| Loan and lease loss provision to assets | 0.0351% | 3,306 |
| Net operating income to assets | 1.7925% | 608 |
| Return on assets (ROA) | 1.7650% | 645 |
| Pretax return on assets | 2.1268% | 452 |
| Return on Equity (ROE) | 13.3732% | 1,307 |
| Retained earnings to average equity (ytd only) | 5.7835% | 2,767 |
| Net charge-offs to loans | 0.0607% | 1,954 |
| Credit loss provision to net charge-offs | 89.0080% | 2,435 |
| Earnings coverage of net charge-offs (x) | 55.6945% | 1,105 |
| Efficiency ratio | 57.9106% | 4,140 |
| Assets per employee ($millions) | 4.2802% | 3,460 |
| Cash dividends to net income (ytd only)* | 56.7529% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0710% | 3,350 |
| Loan loss allowance to noncurrent loans | 62.8073% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 1.3147% | 1,029 |
| Noncurrent loans to loans | 1.7052% | 915 |
| Net loans and leases to total assets | 64.0534% | 3,420 |
| Net loans and leases to deposits | 77.4015% | 3,291 |
| Net loans and leases to core deposits | 79.7088% | 3,517 |
| Total domestic deposits to total assets | 82.7548% | 3,389 |
| Equity capital to assets | 13.2121% | 1,250 |
| Core capital (leverage) ratio | 12.9024% | 1,324 |
| Tier 1 risk-based capital ratio | 20.1359% | 1,310 |
| Total risk-based capital ratio | 21.2560% | 1,299 |
| Memoranda: | ||
| Average total assets | $1,261,853,750 | 620 |
| Average earning assets | $1,168,590,000 | 612 |
| Average equity | $166,537,500 | 520 |
| Average total loans | $818,989,750 | 680 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1334% | 3,333 |
| Cost of funding earning assets | 0.3559% | 4,034 |
| Net interest margin | 3.7775% | 2,646 |
| Noninterest income to average assets | 1.5964% | 389 |
| Noninterest expense to average assets | 3.0472% | 1,914 |
| Loan and lease loss provision to assets | 0.0432% | 3,032 |
| Net operating income to assets | 1.6605% | 785 |
| Return on assets (ROA) | 1.7345% | 676 |
| Pretax return on assets | 2.0932% | 498 |
| Return on Equity (ROE) | 13.1467% | 1,321 |
| Retained earnings to average equity (ytd only) | 5.5521% | 2,793 |
| Net charge-offs to loans | 0.0726% | 1,607 |
| Credit loss provision to net charge-offs | 91.5825% | 2,144 |
| Earnings coverage of net charge-offs (x) | 43.3838% | 1,235 |
| Efficiency ratio | 59.8073% | 3,965 |
| Assets per employee ($millions) | 4.2895% | 3,439 |
| Cash dividends to net income (ytd only)* | 57.7684% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 3,393 |
| Loan loss allowance to noncurrent loans | 61.2201% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 1.3643% | 1,024 |
| Noncurrent loans to loans | 1.7617% | 896 |
| Net loans and leases to total assets | 63.7947% | 3,425 |
| Net loans and leases to deposits | 77.2422% | 3,234 |
| Net loans and leases to core deposits | 79.7027% | 3,443 |
| Total domestic deposits to total assets | 82.5905% | 3,531 |
| Equity capital to assets | 13.1640% | 1,239 |
| Core capital (leverage) ratio | 12.9025% | 1,268 |
| Tier 1 risk-based capital ratio | 20.0451% | 1,309 |
| Total risk-based capital ratio | 21.1802% | 1,304 |
| Memoranda: | ||
| Average total assets | $1,258,727,330 | 625 |
| Average earning assets | $1,165,635,330 | 617 |
| Average equity | $166,064,330 | 516 |
| Average total loans | $817,625,330 | 674 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0771% | 3,315 |
| Cost of funding earning assets | 0.3427% | 4,043 |
| Net interest margin | 3.7344% | 2,670 |
| Noninterest income to average assets | 1.4197% | 469 |
| Noninterest expense to average assets | 3.1094% | 1,800 |
| Loan and lease loss provision to assets | 0.0932% | 1,958 |
| Net operating income to assets | 1.4170% | 1,298 |
| Return on assets (ROA) | 1.4126% | 1,320 |
| Pretax return on assets | 1.6686% | 1,195 |
| Return on Equity (ROE) | 10.6956% | 2,085 |
| Retained earnings to average equity (ytd only) | 3.1053% | 3,962 |
| Net charge-offs to loans | 0.0485% | 1,623 |
| Credit loss provision to net charge-offs | 294.9495% | 832 |
| Earnings coverage of net charge-offs (x) | 55.9192% | 880 |
| Efficiency ratio | 63.7583% | 3,517 |
| Assets per employee ($millions) | 4.2022% | 3,648 |
| Cash dividends to net income (ytd only)* | 70.9670% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 3,337 |
| Loan loss allowance to noncurrent loans | 55.2375% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 1.4055% | 1,027 |
| Noncurrent loans to loans | 2.0037% | 794 |
| Net loans and leases to total assets | 65.0016% | 3,177 |
| Net loans and leases to deposits | 78.8229% | 2,935 |
| Net loans and leases to core deposits | 80.5252% | 3,283 |
| Total domestic deposits to total assets | 82.4654% | 3,825 |
| Equity capital to assets | 13.2231% | 1,147 |
| Core capital (leverage) ratio | 12.7548% | 1,270 |
| Tier 1 risk-based capital ratio | 19.6866% | 1,396 |
| Total risk-based capital ratio | 20.8520% | 1,388 |
| Memoranda: | ||
| Average total assets | $1,253,248,000 | 632 |
| Average earning assets | $1,160,029,500 | 624 |
| Average equity | $165,526,000 | 523 |
| Average total loans | $817,026,000 | 676 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9794% | 3,474 |
| Cost of funding earning assets | 0.3419% | 3,781 |
| Net interest margin | 3.6376% | 3,032 |
| Noninterest income to average assets | 1.2929% | 636 |
| Noninterest expense to average assets | 2.9294% | 2,355 |
| Loan and lease loss provision to assets | 0.0648% | 2,926 |
| Net operating income to assets | 1.0731% | 1,966 |
| Return on assets (ROA) | 1.0810% | 1,948 |
| Pretax return on assets | 1.6800% | 1,059 |
| Return on Equity (ROE) | 7.9953% | 2,797 |
| Retained earnings to average equity (ytd only) | 0.8066% | 4,711 |
| Net charge-offs to loans | 0.0534% | 2,739 |
| Credit loss provision to net charge-offs | 191.6268% | 1,425 |
| Earnings coverage of net charge-offs (x) | 51.2608% | 1,068 |
| Efficiency ratio | 62.8304% | 3,807 |
| Assets per employee ($millions) | 4.2657% | 3,554 |
| Cash dividends to net income (ytd only)* | 89.9110% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 3,426 |
| Loan loss allowance to noncurrent loans | 51.7048% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 1.4831% | 926 |
| Noncurrent loans to loans | 2.0978% | 714 |
| Net loans and leases to total assets | 63.9629% | 3,371 |
| Net loans and leases to deposits | 79.4876% | 2,968 |
| Net loans and leases to core deposits | 80.4900% | 3,384 |
| Total domestic deposits to total assets | 80.4690% | 4,255 |
| Equity capital to assets | 13.1927% | 1,170 |
| Core capital (leverage) ratio | 12.6291% | 1,297 |
| Tier 1 risk-based capital ratio | 19.3435% | 1,444 |
| Total risk-based capital ratio | 20.4737% | 1,437 |
| Memoranda: | ||
| Average total assets | $1,236,854,200 | 615 |
| Average earning assets | $1,145,515,400 | 608 |
| Average equity | $167,236,200 | 498 |
| Average total loans | $782,697,600 | 674 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9591% | 3,491 |
| Cost of funding earning assets | 0.3410% | 3,763 |
| Net interest margin | 3.6181% | 3,075 |
| Noninterest income to average assets | 1.2901% | 639 |
| Noninterest expense to average assets | 2.9244% | 2,322 |
| Loan and lease loss provision to assets | 0.0843% | 2,406 |
| Net operating income to assets | 1.2265% | 1,589 |
| Return on assets (ROA) | 1.2389% | 1,575 |
| Pretax return on assets | 1.6520% | 1,238 |
| Return on Equity (ROE) | 9.1060% | 2,547 |
| Retained earnings to average equity (ytd only) | 1.9298% | 4,665 |
| Net charge-offs to loans | 0.0604% | 2,253 |
| Credit loss provision to net charge-offs | 221.6524% | 1,248 |
| Earnings coverage of net charge-offs (x) | 45.2135% | 1,195 |
| Efficiency ratio | 62.9605% | 3,716 |
| Assets per employee ($millions) | 4.2797% | 3,506 |
| Cash dividends to net income (ytd only)* | 78.8069% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 3,431 |
| Loan loss allowance to noncurrent loans | 57.8711% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 1.3673% | 1,145 |
| Noncurrent loans to loans | 1.9189% | 902 |
| Net loans and leases to total assets | 63.6378% | 3,465 |
| Net loans and leases to deposits | 77.0377% | 3,267 |
| Net loans and leases to core deposits | 78.2211% | 3,610 |
| Total domestic deposits to total assets | 82.6060% | 3,582 |
| Equity capital to assets | 13.5997% | 1,123 |
| Core capital (leverage) ratio | 12.7984% | 1,293 |
| Tier 1 risk-based capital ratio | 19.7996% | 1,410 |
| Total risk-based capital ratio | 20.9531% | 1,395 |
| Memoranda: | ||
| Average total assets | $1,230,407,250 | 619 |
| Average earning assets | $1,140,613,500 | 613 |
| Average equity | $167,401,250 | 504 |
| Average total loans | $774,252,500 | 678 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9306% | 3,447 |
| Cost of funding earning assets | 0.3403% | 3,684 |
| Net interest margin | 3.5903% | 3,078 |
| Noninterest income to average assets | 1.2776% | 637 |
| Noninterest expense to average assets | 2.9269% | 2,336 |
| Loan and lease loss provision to assets | 0.0744% | 2,481 |
| Net operating income to assets | 1.2073% | 1,569 |
| Return on assets (ROA) | 1.2251% | 1,555 |
| Pretax return on assets | 1.6264% | 1,258 |
| Return on Equity (ROE) | 9.0030% | 2,506 |
| Retained earnings to average equity (ytd only) | 1.8040% | 4,530 |
| Net charge-offs to loans | 0.0768% | 1,854 |
| Credit loss provision to net charge-offs | 155.1020% | 1,496 |
| Earnings coverage of net charge-offs (x) | 34.9524% | 1,357 |
| Efficiency ratio | 63.5613% | 3,748 |
| Assets per employee ($millions) | 4.2370% | 3,544 |
| Cash dividends to net income (ytd only)* | 79.9627% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1051% | 3,557 |
| Loan loss allowance to noncurrent loans | 60.8785% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 1.3190% | 1,240 |
| Noncurrent loans to loans | 1.8152% | 988 |
| Net loans and leases to total assets | 62.8916% | 3,521 |
| Net loans and leases to deposits | 76.9669% | 3,219 |
| Net loans and leases to core deposits | 78.0817% | 3,589 |
| Total domestic deposits to total assets | 81.7125% | 3,974 |
| Equity capital to assets | 13.7094% | 1,067 |
| Core capital (leverage) ratio | 12.8917% | 1,217 |
| Tier 1 risk-based capital ratio | 19.8394% | 1,398 |
| Total risk-based capital ratio | 20.9673% | 1,394 |
| Memoranda: | ||
| Average total assets | $1,225,407,330 | 623 |
| Average earning assets | $1,135,345,330 | 615 |
| Average equity | $166,744,330 | 506 |
| Average total loans | $765,187,000 | 691 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8918% | 3,429 |
| Cost of funding earning assets | 0.3359% | 3,687 |
| Net interest margin | 3.5559% | 3,057 |
| Noninterest income to average assets | 1.2440% | 660 |
| Noninterest expense to average assets | 2.9712% | 2,238 |
| Loan and lease loss provision to assets | 0.1477% | 1,265 |
| Net operating income to assets | 1.0961% | 1,889 |
| Return on assets (ROA) | 1.1326% | 1,772 |
| Pretax return on assets | 1.4702% | 1,636 |
| Return on Equity (ROE) | 8.3549% | 2,745 |
| Retained earnings to average equity (ytd only) | 1.1236% | 4,613 |
| Net charge-offs to loans | 0.0956% | 1,408 |
| Credit loss provision to net charge-offs | 249.7238% | 893 |
| Earnings coverage of net charge-offs (x) | 26.5470% | 1,300 |
| Efficiency ratio | 65.4120% | 3,589 |
| Assets per employee ($millions) | 4.2196% | 3,633 |
| Cash dividends to net income (ytd only)* | 86.5512% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 3,431 |
| Loan loss allowance to noncurrent loans | 62.7035% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 1.2975% | 1,310 |
| Noncurrent loans to loans | 1.8296% | 1,019 |
| Net loans and leases to total assets | 61.7842% | 3,569 |
| Net loans and leases to deposits | 76.3528% | 3,156 |
| Net loans and leases to core deposits | 77.3702% | 3,524 |
| Total domestic deposits to total assets | 80.9194% | 4,429 |
| Equity capital to assets | 13.6440% | 1,022 |
| Core capital (leverage) ratio | 12.7235% | 1,246 |
| Tier 1 risk-based capital ratio | 19.9634% | 1,400 |
| Total risk-based capital ratio | 21.1193% | 1,388 |
| Memoranda: | ||
| Average total assets | $1,223,748,000 | 625 |
| Average earning assets | $1,134,909,000 | 618 |
| Average equity | $165,891,000 | 505 |
| Average total loans | $757,080,500 | 699 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8646% | 3,699 |
| Cost of funding earning assets | 0.3261% | 3,788 |
| Net interest margin | 3.5386% | 3,292 |
| Noninterest income to average assets | 1.2663% | 709 |
| Noninterest expense to average assets | 2.7982% | 3,026 |
| Loan and lease loss provision to assets | 0.1003% | 2,373 |
| Net operating income to assets | 1.2399% | 1,380 |
| Return on assets (ROA) | 1.2419% | 1,460 |
| Pretax return on assets | 1.6640% | 1,099 |
| Return on Equity (ROE) | 8.9572% | 2,443 |
| Retained earnings to average equity (ytd only) | 0.0948% | 5,275 |
| Net charge-offs to loans | 0.0877% | 2,445 |
| Credit loss provision to net charge-offs | 191.6797% | 1,482 |
| Earnings coverage of net charge-offs (x) | 33.6688% | 1,332 |
| Efficiency ratio | 61.3431% | 4,363 |
| Assets per employee ($millions) | 4.2200% | 3,590 |
| Cash dividends to net income (ytd only)* | 98.9418% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 3,559 |
| Loan loss allowance to noncurrent loans | 54.4048% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 1.4457% | 1,174 |
| Noncurrent loans to loans | 2.0711% | 859 |
| Net loans and leases to total assets | 60.5446% | 3,791 |
| Net loans and leases to deposits | 75.0831% | 3,399 |
| Net loans and leases to core deposits | 75.6892% | 3,771 |
| Total domestic deposits to total assets | 80.6368% | 4,424 |
| Equity capital to assets | 13.4685% | 1,064 |
| Core capital (leverage) ratio | 12.7291% | 1,240 |
| Tier 1 risk-based capital ratio | 19.9096% | 1,392 |
| Total risk-based capital ratio | 21.0301% | 1,387 |
| Memoranda: | ||
| Average total assets | $1,217,466,600 | 605 |
| Average earning assets | $1,133,143,400 | 595 |
| Average equity | $168,803,200 | 480 |
| Average total loans | $726,090,000 | 694 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8598% | 3,732 |
| Cost of funding earning assets | 0.3268% | 3,808 |
| Net interest margin | 3.5330% | 3,349 |
| Noninterest income to average assets | 1.2459% | 748 |
| Noninterest expense to average assets | 2.8104% | 2,965 |
| Loan and lease loss provision to assets | 0.1343% | 1,748 |
| Net operating income to assets | 1.1944% | 1,655 |
| Return on assets (ROA) | 1.2152% | 1,686 |
| Pretax return on assets | 1.6197% | 1,332 |
| Return on Equity (ROE) | 8.7014% | 2,664 |
| Retained earnings to average equity (ytd only) | -0.7089% | 5,461 |
| Net charge-offs to loans | 0.1282% | 1,678 |
| Credit loss provision to net charge-offs | 176.8786% | 1,580 |
| Earnings coverage of net charge-offs (x) | 22.7313% | 1,739 |
| Efficiency ratio | 61.9227% | 4,244 |
| Assets per employee ($millions) | 4.2430% | 3,522 |
| Cash dividends to net income (ytd only)* | 108.1466% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 3,656 |
| Loan loss allowance to noncurrent loans | 42.0629% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 1.8157% | 901 |
| Noncurrent loans to loans | 2.6946% | 608 |
| Net loans and leases to total assets | 59.6962% | 3,918 |
| Net loans and leases to deposits | 73.6129% | 3,630 |
| Net loans and leases to core deposits | 74.6824% | 3,952 |
| Total domestic deposits to total assets | 81.0948% | 4,230 |
| Equity capital to assets | 13.8152% | 1,111 |
| Core capital (leverage) ratio | 12.6568% | 1,332 |
| Tier 1 risk-based capital ratio | 19.9177% | 1,459 |
| Total risk-based capital ratio | 21.0367% | 1,449 |
| Memoranda: | ||
| Average total assets | $1,214,826,750 | 607 |
| Average earning assets | $1,131,596,500 | 593 |
| Average equity | $169,654,750 | 481 |
| Average total loans | $719,618,250 | 697 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8514% | 3,771 |
| Cost of funding earning assets | 0.3246% | 3,852 |
| Net interest margin | 3.5268% | 3,384 |
| Noninterest income to average assets | 1.2407% | 737 |
| Noninterest expense to average assets | 2.8401% | 2,876 |
| Loan and lease loss provision to assets | 0.1134% | 1,981 |
| Net operating income to assets | 1.1863% | 1,655 |
| Return on assets (ROA) | 1.2146% | 1,644 |
| Pretax return on assets | 1.6129% | 1,335 |
| Return on Equity (ROE) | 8.6657% | 2,659 |
| Retained earnings to average equity (ytd only) | -1.9429% | 5,532 |
| Net charge-offs to loans | 0.1815% | 1,256 |
| Credit loss provision to net charge-offs | 106.1920% | 2,015 |
| Earnings coverage of net charge-offs (x) | 15.8096% | 1,968 |
| Efficiency ratio | 62.6908% | 4,235 |
| Assets per employee ($millions) | 4.2099% | 3,547 |
| Cash dividends to net income (ytd only)* | 122.4204% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 4,001 |
| Loan loss allowance to noncurrent loans | 52.3090% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 1.4145% | 1,377 |
| Noncurrent loans to loans | 2.0815% | 942 |
| Net loans and leases to total assets | 59.2029% | 3,986 |
| Net loans and leases to deposits | 73.9734% | 3,598 |
| Net loans and leases to core deposits | 75.5024% | 3,865 |
| Total domestic deposits to total assets | 80.0326% | 4,532 |
| Equity capital to assets | 14.0081% | 1,026 |
| Core capital (leverage) ratio | 12.7226% | 1,262 |
| Tier 1 risk-based capital ratio | 19.9650% | 1,466 |
| Total risk-based capital ratio | 21.0065% | 1,469 |
| Memoranda: | ||
| Average total assets | $1,209,615,670 | 606 |
| Average earning assets | $1,127,704,000 | 595 |
| Average equity | $169,542,670 | 483 |
| Average total loans | $711,838,000 | 699 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8659% | 3,707 |
| Cost of funding earning assets | 0.3222% | 3,920 |
| Net interest margin | 3.5437% | 3,307 |
| Noninterest income to average assets | 1.2045% | 753 |
| Noninterest expense to average assets | 2.9314% | 2,604 |
| Loan and lease loss provision to assets | 0.1220% | 1,730 |
| Net operating income to assets | 1.1107% | 1,861 |
| Return on assets (ROA) | 1.1445% | 1,848 |
| Pretax return on assets | 1.4964% | 1,601 |
| Return on Equity (ROE) | 8.1633% | 2,824 |
| Retained earnings to average equity (ytd only) | 1.0266% | 4,824 |
| Net charge-offs to loans | 0.3388% | 656 |
| Credit loss provision to net charge-offs | 61.7450% | 1,967 |
| Earnings coverage of net charge-offs (x) | 7.9631% | 2,101 |
| Efficiency ratio | 65.0423% | 3,966 |
| Assets per employee ($millions) | 4.1764% | 3,626 |
| Cash dividends to net income (ytd only)* | 87.4239% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0911% | 4,101 |
| Loan loss allowance to noncurrent loans | 51.4127% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 1.3705% | 1,541 |
| Noncurrent loans to loans | 2.1223% | 986 |
| Net loans and leases to total assets | 57.7376% | 4,071 |
| Net loans and leases to deposits | 72.3421% | 3,620 |
| Net loans and leases to core deposits | 72.8352% | 3,992 |
| Total domestic deposits to total assets | 79.8118% | 4,784 |
| Equity capital to assets | 14.2102% | 913 |
| Core capital (leverage) ratio | 12.9830% | 1,167 |
| Tier 1 risk-based capital ratio | 20.9426% | 1,328 |
| Total risk-based capital ratio | 21.9852% | 1,331 |
| Memoranda: | ||
| Average total assets | $1,206,096,500 | 609 |
| Average earning assets | $1,123,452,500 | 595 |
| Average equity | $169,099,000 | 483 |
| Average total loans | $703,645,500 | 704 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8594% | 3,848 |
| Cost of funding earning assets | 0.4023% | 3,128 |
| Net interest margin | 3.4571% | 3,686 |
| Noninterest income to average assets | 1.2568% | 759 |
| Noninterest expense to average assets | 2.8649% | 2,980 |
| Loan and lease loss provision to assets | 0.0688% | 2,917 |
| Net operating income to assets | 1.1790% | 1,626 |
| Return on assets (ROA) | 1.2236% | 1,534 |
| Pretax return on assets | 1.6053% | 1,232 |
| Return on Equity (ROE) | 8.9879% | 2,459 |
| Retained earnings to average equity (ytd only) | 2.0642% | 4,555 |
| Net charge-offs to loans | 0.0441% | 3,330 |
| Credit loss provision to net charge-offs | 289.3836% | 1,018 |
| Earnings coverage of net charge-offs (x) | 67.9007% | 791 |
| Efficiency ratio | 63.9043% | 4,289 |
| Assets per employee ($millions) | 4.2735% | 3,446 |
| Cash dividends to net income (ytd only)* | 77.0342% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 3,940 |
| Loan loss allowance to noncurrent loans | 53.4993% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 1.3235% | 1,605 |
| Noncurrent loans to loans | 2.0912% | 980 |
| Net loans and leases to total assets | 57.6548% | 4,127 |
| Net loans and leases to deposits | 73.9943% | 3,496 |
| Net loans and leases to core deposits | 74.5107% | 3,889 |
| Total domestic deposits to total assets | 77.9179% | 5,181 |
| Equity capital to assets | 13.8315% | 991 |
| Core capital (leverage) ratio | 12.8120% | 1,224 |
| Tier 1 risk-based capital ratio | 20.7657% | 1,338 |
| Total risk-based capital ratio | 21.8343% | 1,340 |
| Memoranda: | ||
| Average total assets | $1,227,366,200 | 572 |
| Average earning assets | $1,144,465,000 | 563 |
| Average equity | $167,090,400 | 475 |
| Average total loans | $661,643,000 | 713 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8514% | 3,931 |
| Cost of funding earning assets | 0.4080% | 3,141 |
| Net interest margin | 3.4435% | 3,779 |
| Noninterest income to average assets | 1.2345% | 792 |
| Noninterest expense to average assets | 2.7289% | 3,463 |
| Loan and lease loss provision to assets | 0.0569% | 3,049 |
| Net operating income to assets | 1.2492% | 1,488 |
| Return on assets (ROA) | 1.2986% | 1,401 |
| Pretax return on assets | 1.7274% | 1,039 |
| Return on Equity (ROE) | 9.5765% | 2,282 |
| Retained earnings to average equity (ytd only) | 2.7433% | 4,470 |
| Net charge-offs to loans | 0.0914% | 2,254 |
| Credit loss provision to net charge-offs | 117.9372% | 2,018 |
| Earnings coverage of net charge-offs (x) | 35.5988% | 1,346 |
| Efficiency ratio | 61.3191% | 4,674 |
| Assets per employee ($millions) | 4.3692% | 3,216 |
| Cash dividends to net income (ytd only)* | 71.3536% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0907% | 4,282 |
| Loan loss allowance to noncurrent loans | 51.2686% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 1.2984% | 1,801 |
| Noncurrent loans to loans | 2.1274% | 1,053 |
| Net loans and leases to total assets | 55.1702% | 4,449 |
| Net loans and leases to deposits | 69.4657% | 4,046 |
| Net loans and leases to core deposits | 70.2097% | 4,352 |
| Total domestic deposits to total assets | 79.4208% | 4,880 |
| Equity capital to assets | 13.9149% | 1,058 |
| Core capital (leverage) ratio | 12.5370% | 1,392 |
| Tier 1 risk-based capital ratio | 21.0312% | 1,337 |
| Total risk-based capital ratio | 22.0539% | 1,352 |
| Memoranda: | ||
| Average total assets | $1,231,860,500 | 575 |
| Average earning assets | $1,149,358,000 | 562 |
| Average equity | $167,043,750 | 480 |
| Average total loans | $650,763,750 | 724 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8431% | 3,905 |
| Cost of funding earning assets | 0.4145% | 3,107 |
| Net interest margin | 3.4286% | 3,795 |
| Noninterest income to average assets | 1.2099% | 830 |
| Noninterest expense to average assets | 2.7896% | 3,272 |
| Loan and lease loss provision to assets | 0.0362% | 3,400 |
| Net operating income to assets | 1.1936% | 1,621 |
| Return on assets (ROA) | 1.2579% | 1,486 |
| Pretax return on assets | 1.6684% | 1,147 |
| Return on Equity (ROE) | 9.3571% | 2,360 |
| Retained earnings to average equity (ytd only) | 2.4888% | 4,470 |
| Net charge-offs to loans | 0.0811% | 2,242 |
| Credit loss provision to net charge-offs | 86.1538% | 2,258 |
| Earnings coverage of net charge-offs (x) | 38.4846% | 1,157 |
| Efficiency ratio | 63.2377% | 4,477 |
| Assets per employee ($millions) | 4.4357% | 3,088 |
| Cash dividends to net income (ytd only)* | 73.4019% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0994% | 4,325 |
| Loan loss allowance to noncurrent loans | 50.0377% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 1.2731% | 1,977 |
| Noncurrent loans to loans | 2.1971% | 1,091 |
| Net loans and leases to total assets | 52.8754% | 4,673 |
| Net loans and leases to deposits | 66.6182% | 4,278 |
| Net loans and leases to core deposits | 67.7427% | 4,508 |
| Total domestic deposits to total assets | 79.3709% | 5,007 |
| Equity capital to assets | 13.3740% | 1,228 |
| Core capital (leverage) ratio | 12.3686% | 1,449 |
| Tier 1 risk-based capital ratio | 20.8365% | 1,398 |
| Total risk-based capital ratio | 21.8445% | 1,409 |
| Memoranda: | ||
| Average total assets | $1,236,147,000 | 576 |
| Average earning assets | $1,153,236,670 | 557 |
| Average equity | $166,184,000 | 485 |
| Average total loans | $641,038,000 | 732 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8461% | 3,840 |
| Cost of funding earning assets | 0.4222% | 3,043 |
| Net interest margin | 3.4239% | 3,740 |
| Noninterest income to average assets | 1.1203% | 899 |
| Noninterest expense to average assets | 2.7145% | 3,534 |
| Loan and lease loss provision to assets | 0.0010% | 3,698 |
| Net operating income to assets | 1.2025% | 1,540 |
| Return on assets (ROA) | 1.2205% | 1,584 |
| Pretax return on assets | 1.6224% | 1,213 |
| Return on Equity (ROE) | 9.0553% | 2,419 |
| Retained earnings to average equity (ytd only) | 2.1200% | 4,617 |
| Net charge-offs to loans | 0.1303% | 1,471 |
| Credit loss provision to net charge-offs | 1.4634% | 2,485 |
| Earnings coverage of net charge-offs (x) | 24.0537% | 1,307 |
| Efficiency ratio | 62.8872% | 4,643 |
| Assets per employee ($millions) | 4.4541% | 3,124 |
| Cash dividends to net income (ytd only)* | 76.5878% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 4,344 |
| Loan loss allowance to noncurrent loans | 47.4651% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 1.3417% | 1,983 |
| Noncurrent loans to loans | 2.3912% | 1,028 |
| Net loans and leases to total assets | 50.1863% | 4,829 |
| Net loans and leases to deposits | 63.1429% | 4,468 |
| Net loans and leases to core deposits | 63.5533% | 4,738 |
| Total domestic deposits to total assets | 79.4806% | 5,173 |
| Equity capital to assets | 13.5593% | 1,147 |
| Core capital (leverage) ratio | 12.3993% | 1,400 |
| Tier 1 risk-based capital ratio | 21.4975% | 1,326 |
| Total risk-based capital ratio | 22.5229% | 1,351 |
| Memoranda: | ||
| Average total assets | $1,233,223,000 | 571 |
| Average earning assets | $1,150,268,000 | 560 |
| Average equity | $166,223,500 | 487 |
| Average total loans | $629,552,000 | 741 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9997% | 3,730 |
| Cost of funding earning assets | 0.4491% | 3,179 |
| Net interest margin | 3.5506% | 3,600 |
| Noninterest income to average assets | 1.2590% | 761 |
| Noninterest expense to average assets | 2.7593% | 3,643 |
| Loan and lease loss provision to assets | 0.0386% | 3,799 |
| Net operating income to assets | 1.3085% | 1,290 |
| Return on assets (ROA) | 1.3536% | 1,233 |
| Pretax return on assets | 1.8092% | 780 |
| Return on Equity (ROE) | 10.0238% | 2,108 |
| Retained earnings to average equity (ytd only) | -3.5665% | 6,122 |
| Net charge-offs to loans | 0.2860% | 1,517 |
| Credit loss provision to net charge-offs | 26.4004% | 3,897 |
| Earnings coverage of net charge-offs (x) | 12.2146% | 2,405 |
| Efficiency ratio | 60.6213% | 5,127 |
| Assets per employee ($millions) | 4.4180% | 3,165 |
| Cash dividends to net income (ytd only)* | 135.5802% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 4,203 |
| Loan loss allowance to noncurrent loans | 47.4730% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 1.3550% | 2,066 |
| Noncurrent loans to loans | 2.4507% | 1,047 |
| Net loans and leases to total assets | 50.7412% | 4,893 |
| Net loans and leases to deposits | 63.7077% | 4,555 |
| Net loans and leases to core deposits | 64.1426% | 4,818 |
| Total domestic deposits to total assets | 79.6470% | 5,110 |
| Equity capital to assets | 13.3976% | 1,195 |
| Core capital (leverage) ratio | 12.2181% | 1,491 |
| Tier 1 risk-based capital ratio | 23.1802% | 1,058 |
| Total risk-based capital ratio | 24.3256% | 1,052 |
| Memoranda: | ||
| Average total assets | $1,231,895,600 | 551 |
| Average earning assets | $1,140,811,400 | 543 |
| Average equity | $166,354,400 | 473 |
| Average total loans | $630,458,800 | 694 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0074% | 3,729 |
| Cost of funding earning assets | 0.4523% | 3,221 |
| Net interest margin | 3.5551% | 3,607 |
| Noninterest income to average assets | 1.2462% | 782 |
| Noninterest expense to average assets | 2.7679% | 3,581 |
| Loan and lease loss provision to assets | 0.0382% | 3,644 |
| Net operating income to assets | 1.2937% | 1,387 |
| Return on assets (ROA) | 1.3367% | 1,329 |
| Pretax return on assets | 1.7831% | 919 |
| Return on Equity (ROE) | 9.8795% | 2,275 |
| Retained earnings to average equity (ytd only) | -5.8862% | 6,283 |
| Net charge-offs to loans | 0.3314% | 1,210 |
| Credit loss provision to net charge-offs | 22.5271% | 3,556 |
| Earnings coverage of net charge-offs (x) | 10.4078% | 2,545 |
| Efficiency ratio | 61.0162% | 5,037 |
| Assets per employee ($millions) | 4.4707% | 3,022 |
| Cash dividends to net income (ytd only)* | 159.5793% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 4,328 |
| Loan loss allowance to noncurrent loans | 45.6322% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 1.4653% | 2,103 |
| Noncurrent loans to loans | 2.5918% | 1,109 |
| Net loans and leases to total assets | 50.0764% | 4,999 |
| Net loans and leases to deposits | 62.6631% | 4,680 |
| Net loans and leases to core deposits | 63.6844% | 4,905 |
| Total domestic deposits to total assets | 79.9136% | 5,120 |
| Equity capital to assets | 13.0259% | 1,410 |
| Core capital (leverage) ratio | 12.0373% | 1,683 |
| Tier 1 risk-based capital ratio | 22.8256% | 1,145 |
| Total risk-based capital ratio | 23.9828% | 1,134 |
| Memoranda: | ||
| Average total assets | $1,232,817,000 | 546 |
| Average earning assets | $1,139,320,000 | 540 |
| Average equity | $166,805,250 | 470 |
| Average total loans | $630,437,250 | 689 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0154% | 3,670 |
| Cost of funding earning assets | 0.4545% | 3,277 |
| Net interest margin | 3.5609% | 3,523 |
| Noninterest income to average assets | 1.2501% | 751 |
| Noninterest expense to average assets | 2.7090% | 3,827 |
| Loan and lease loss provision to assets | 0.0220% | 3,839 |
| Net operating income to assets | 1.3498% | 1,187 |
| Return on assets (ROA) | 1.3572% | 1,213 |
| Pretax return on assets | 1.8146% | 820 |
| Return on Equity (ROE) | 9.9061% | 2,189 |
| Retained earnings to average equity (ytd only) | 3.0064% | 4,292 |
| Net charge-offs to loans | 0.4855% | 826 |
| Credit loss provision to net charge-offs | 8.8178% | 3,313 |
| Earnings coverage of net charge-offs (x) | 7.3351% | 2,647 |
| Efficiency ratio | 59.6636% | 5,341 |
| Assets per employee ($millions) | 4.4058% | 3,077 |
| Cash dividends to net income (ytd only)* | 69.6512% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 4,570 |
| Loan loss allowance to noncurrent loans | 43.6509% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 1.4542% | 2,242 |
| Noncurrent loans to loans | 2.6782% | 1,130 |
| Net loans and leases to total assets | 49.4475% | 5,024 |
| Net loans and leases to deposits | 62.5711% | 4,633 |
| Net loans and leases to core deposits | 63.6295% | 4,847 |
| Total domestic deposits to total assets | 79.0261% | 5,449 |
| Equity capital to assets | 13.9131% | 1,006 |
| Core capital (leverage) ratio | 13.0063% | 1,152 |
| Tier 1 risk-based capital ratio | 24.5966% | 919 |
| Total risk-based capital ratio | 25.7372% | 912 |
| Memoranda: | ||
| Average total assets | $1,229,470,000 | 549 |
| Average earning assets | $1,134,418,330 | 543 |
| Average equity | $168,442,330 | 464 |
| Average total loans | $630,640,670 | 683 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0009% | 3,676 |
| Cost of funding earning assets | 0.4561% | 3,363 |
| Net interest margin | 3.5448% | 3,503 |
| Noninterest income to average assets | 1.2128% | 752 |
| Noninterest expense to average assets | 2.7523% | 3,739 |
| Loan and lease loss provision to assets | -0.1017% | 6,494 |
| Net operating income to assets | 1.3775% | 1,041 |
| Return on assets (ROA) | 1.3851% | 1,060 |
| Pretax return on assets | 1.8463% | 733 |
| Return on Equity (ROE) | 10.1905% | 1,964 |
| Retained earnings to average equity (ytd only) | 3.2051% | 4,198 |
| Net charge-offs to loans | 0.0057% | 3,542 |
| Credit loss provision to net charge-offs | -3,455.5556% | 5,559 |
| Earnings coverage of net charge-offs (x) | 589.2222% | 59 |
| Efficiency ratio | 61.2772% | 5,235 |
| Assets per employee ($millions) | 4.3015% | 3,337 |
| Cash dividends to net income (ytd only)* | 68.5478% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3329% | 3,936 |
| Loan loss allowance to noncurrent loans | 50.8193% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 1.4520% | 2,446 |
| Noncurrent loans to loans | 2.6227% | 1,307 |
| Net loans and leases to total assets | 50.5566% | 4,846 |
| Net loans and leases to deposits | 64.0440% | 4,309 |
| Net loans and leases to core deposits | 64.6102% | 4,636 |
| Total domestic deposits to total assets | 78.9404% | 5,694 |
| Equity capital to assets | 13.8142% | 981 |
| Core capital (leverage) ratio | 13.0489% | 1,145 |
| Tier 1 risk-based capital ratio | 24.3976% | 946 |
| Total risk-based capital ratio | 25.6533% | 933 |
| Memoranda: | ||
| Average total assets | $1,222,993,500 | 555 |
| Average earning assets | $1,129,553,500 | 549 |
| Average equity | $166,234,000 | 465 |
| Average total loans | $635,154,000 | 675 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2594% | 3,112 |
| Cost of funding earning assets | 0.5060% | 3,542 |
| Net interest margin | 3.7534% | 2,831 |
| Noninterest income to average assets | 1.3233% | 788 |
| Noninterest expense to average assets | 2.7699% | 3,835 |
| Loan and lease loss provision to assets | 0.1661% | 2,203 |
| Net operating income to assets | 1.3957% | 1,031 |
| Return on assets (ROA) | 1.4398% | 978 |
| Pretax return on assets | 1.9167% | 582 |
| Return on Equity (ROE) | 10.6820% | 1,871 |
| Retained earnings to average equity (ytd only) | 3.9953% | 3,353 |
| Net charge-offs to loans | 0.0365% | 4,718 |
| Credit loss provision to net charge-offs | 849.3776% | 296 |
| Earnings coverage of net charge-offs (x) | 103.5021% | 454 |
| Efficiency ratio | 57.6944% | 5,769 |
| Assets per employee ($millions) | 4.2661% | 3,322 |
| Cash dividends to net income (ytd only)* | 62.5979% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3444% | 3,918 |
| Loan loss allowance to noncurrent loans | 47.9546% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 1.5483% | 2,408 |
| Noncurrent loans to loans | 2.8036% | 1,261 |
| Net loans and leases to total assets | 51.9201% | 4,866 |
| Net loans and leases to deposits | 66.4270% | 4,251 |
| Net loans and leases to core deposits | 67.1248% | 4,601 |
| Total domestic deposits to total assets | 78.1612% | 5,807 |
| Equity capital to assets | 13.3711% | 1,112 |
| Core capital (leverage) ratio | 12.7677% | 1,228 |
| Tier 1 risk-based capital ratio | 23.3896% | 1,037 |
| Total risk-based capital ratio | 24.6456% | 1,013 |
| Memoranda: | ||
| Average total assets | $1,232,461,000 | 530 |
| Average earning assets | $1,139,576,400 | 520 |
| Average equity | $166,120,800 | 451 |
| Average total loans | $660,665,600 | 639 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2924% | 3,030 |
| Cost of funding earning assets | 0.5155% | 3,619 |
| Net interest margin | 3.7770% | 2,724 |
| Noninterest income to average assets | 1.3141% | 859 |
| Noninterest expense to average assets | 2.8480% | 3,495 |
| Loan and lease loss provision to assets | 0.0527% | 3,974 |
| Net operating income to assets | 1.4261% | 1,041 |
| Return on assets (ROA) | 1.4837% | 973 |
| Pretax return on assets | 1.9818% | 597 |
| Return on Equity (ROE) | 10.9856% | 1,823 |
| Retained earnings to average equity (ytd only) | 4.3288% | 3,594 |
| Net charge-offs to loans | 0.0431% | 4,297 |
| Credit loss provision to net charge-offs | 226.9767% | 1,075 |
| Earnings coverage of net charge-offs (x) | 84.3068% | 565 |
| Efficiency ratio | 59.1774% | 5,538 |
| Assets per employee ($millions) | 4.2950% | 3,239 |
| Cash dividends to net income (ytd only)* | 60.5955% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0981% | 5,337 |
| Loan loss allowance to noncurrent loans | 75.6258% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 0.8366% | 4,023 |
| Noncurrent loans to loans | 1.4521% | 2,987 |
| Net loans and leases to total assets | 52.6450% | 4,799 |
| Net loans and leases to deposits | 66.4813% | 4,245 |
| Net loans and leases to core deposits | 67.2174% | 4,598 |
| Total domestic deposits to total assets | 79.1877% | 5,703 |
| Equity capital to assets | 13.5775% | 1,086 |
| Core capital (leverage) ratio | 12.7046% | 1,321 |
| Tier 1 risk-based capital ratio | 23.0416% | 1,135 |
| Total risk-based capital ratio | 24.1183% | 1,150 |
| Memoranda: | ||
| Average total assets | $1,234,484,000 | 531 |
| Average earning assets | $1,141,200,500 | 521 |
| Average equity | $166,723,250 | 452 |
| Average total loans | $664,742,750 | 633 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3309% | 2,826 |
| Cost of funding earning assets | 0.5263% | 3,643 |
| Net interest margin | 3.8045% | 2,541 |
| Noninterest income to average assets | 1.2763% | 945 |
| Noninterest expense to average assets | 2.8809% | 3,401 |
| Loan and lease loss provision to assets | 0.0402% | 4,153 |
| Net operating income to assets | 1.4030% | 1,073 |
| Return on assets (ROA) | 1.4885% | 991 |
| Pretax return on assets | 1.9871% | 624 |
| Return on Equity (ROE) | 11.0406% | 1,800 |
| Retained earnings to average equity (ytd only) | 4.4035% | 3,470 |
| Net charge-offs to loans | -0.0275% | 6,074 |
| Credit loss provision to net charge-offs | -270.6522% | 5,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0034% | 5,487 |
| Assets per employee ($millions) | 4.2207% | 3,313 |
| Cash dividends to net income (ytd only)* | 60.1149% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0978% | 5,455 |
| Loan loss allowance to noncurrent loans | 80.8855% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 0.8053% | 4,215 |
| Noncurrent loans to loans | 1.3572% | 3,287 |
| Net loans and leases to total assets | 53.3501% | 4,688 |
| Net loans and leases to deposits | 68.0417% | 4,007 |
| Net loans and leases to core deposits | 68.8924% | 4,406 |
| Total domestic deposits to total assets | 78.4080% | 5,893 |
| Equity capital to assets | 13.5143% | 1,130 |
| Core capital (leverage) ratio | 12.5403% | 1,345 |
| Tier 1 risk-based capital ratio | 22.8100% | 1,163 |
| Total risk-based capital ratio | 23.9009% | 1,167 |
| Memoranda: | ||
| Average total assets | $1,239,390,000 | 530 |
| Average earning assets | $1,146,051,000 | 522 |
| Average equity | $167,093,000 | 453 |
| Average total loans | $669,898,330 | 624 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3327% | 2,757 |
| Cost of funding earning assets | 0.5526% | 3,546 |
| Net interest margin | 3.7801% | 2,525 |
| Noninterest income to average assets | 1.2087% | 1,039 |
| Noninterest expense to average assets | 3.0250% | 2,904 |
| Loan and lease loss provision to assets | 0.0585% | 3,657 |
| Net operating income to assets | 1.2214% | 1,469 |
| Return on assets (ROA) | 1.3803% | 1,158 |
| Pretax return on assets | 1.8355% | 827 |
| Return on Equity (ROE) | 10.2503% | 1,970 |
| Retained earnings to average equity (ytd only) | 3.6747% | 4,026 |
| Net charge-offs to loans | -0.0461% | 6,096 |
| Credit loss provision to net charge-offs | -234.6154% | 5,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1766% | 4,984 |
| Assets per employee ($millions) | 4.2630% | 3,404 |
| Cash dividends to net income (ytd only)* | 64.1501% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 5,730 |
| Loan loss allowance to noncurrent loans | 75.3946% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 0.8435% | 4,274 |
| Noncurrent loans to loans | 1.4143% | 3,446 |
| Net loans and leases to total assets | 53.7920% | 4,451 |
| Net loans and leases to deposits | 68.0591% | 3,771 |
| Net loans and leases to core deposits | 68.9913% | 4,184 |
| Total domestic deposits to total assets | 79.0373% | 5,954 |
| Equity capital to assets | 13.7215% | 1,126 |
| Core capital (leverage) ratio | 12.1980% | 1,464 |
| Tier 1 risk-based capital ratio | 22.1875% | 1,295 |
| Total risk-based capital ratio | 23.2523% | 1,306 |
| Memoranda: | ||
| Average total assets | $1,251,310,500 | 529 |
| Average earning assets | $1,158,078,000 | 517 |
| Average equity | $168,503,000 | 456 |
| Average total loans | $677,000,000 | 620 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6839% | 2,663 |
| Cost of funding earning assets | 0.7523% | 3,071 |
| Net interest margin | 3.9316% | 2,690 |
| Noninterest income to average assets | 1.2467% | 1,000 |
| Noninterest expense to average assets | 2.6850% | 4,454 |
| Loan and lease loss provision to assets | 0.0221% | 5,622 |
| Net operating income to assets | 1.5762% | 790 |
| Return on assets (ROA) | 1.7040% | 690 |
| Pretax return on assets | 2.3421% | 316 |
| Return on Equity (ROE) | 13.6887% | 1,054 |
| Retained earnings to average equity (ytd only) | 7.9817% | 1,130 |
| Net charge-offs to loans | 0.1620% | 4,083 |
| Credit loss provision to net charge-offs | 25.3521% | 5,197 |
| Earnings coverage of net charge-offs (x) | 25.0766% | 1,149 |
| Efficiency ratio | 54.9703% | 6,174 |
| Assets per employee ($millions) | 4.3660% | 3,218 |
| Cash dividends to net income (ytd only)* | 41.6911% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 5,972 |
| Loan loss allowance to noncurrent loans | 70.9541% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 0.8270% | 4,406 |
| Noncurrent loans to loans | 1.4078% | 3,487 |
| Net loans and leases to total assets | 53.3068% | 4,716 |
| Net loans and leases to deposits | 67.3966% | 4,064 |
| Net loans and leases to core deposits | 69.3636% | 4,388 |
| Total domestic deposits to total assets | 79.0942% | 5,865 |
| Equity capital to assets | 13.2202% | 1,345 |
| Core capital (leverage) ratio | 11.6352% | 1,779 |
| Tier 1 risk-based capital ratio | 21.3075% | 1,397 |
| Total risk-based capital ratio | 22.3123% | 1,420 |
| Memoranda: | ||
| Average total assets | $1,301,324,200 | 512 |
| Average earning assets | $1,200,595,000 | 500 |
| Average equity | $161,994,800 | 461 |
| Average total loans | $701,027,800 | 589 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7360% | 2,637 |
| Cost of funding earning assets | 0.7883% | 3,041 |
| Net interest margin | 3.9476% | 2,713 |
| Noninterest income to average assets | 1.2106% | 1,025 |
| Noninterest expense to average assets | 2.7507% | 4,168 |
| Loan and lease loss provision to assets | 0.0429% | 5,236 |
| Net operating income to assets | 1.4980% | 1,021 |
| Return on assets (ROA) | 1.6638% | 823 |
| Pretax return on assets | 2.2848% | 409 |
| Return on Equity (ROE) | 13.5701% | 1,207 |
| Retained earnings to average equity (ytd only) | 8.0834% | 1,587 |
| Net charge-offs to loans | 0.0632% | 4,788 |
| Credit loss provision to net charge-offs | 126.0479% | 2,283 |
| Earnings coverage of net charge-offs (x) | 61.6949% | 640 |
| Efficiency ratio | 56.5854% | 5,983 |
| Assets per employee ($millions) | 4.4315% | 3,032 |
| Cash dividends to net income (ytd only)* | 40.4326% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1100% | 5,674 |
| Loan loss allowance to noncurrent loans | 81.7714% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 0.7985% | 4,711 |
| Noncurrent loans to loans | 1.3574% | 3,754 |
| Net loans and leases to total assets | 53.4650% | 4,829 |
| Net loans and leases to deposits | 68.3990% | 4,115 |
| Net loans and leases to core deposits | 71.2526% | 4,344 |
| Total domestic deposits to total assets | 78.1663% | 6,040 |
| Equity capital to assets | 12.7893% | 1,715 |
| Core capital (leverage) ratio | 11.1667% | 2,237 |
| Tier 1 risk-based capital ratio | 20.2105% | 1,705 |
| Total risk-based capital ratio | 21.3087% | 1,712 |
| Memoranda: | ||
| Average total assets | $1,307,935,250 | 510 |
| Average earning assets | $1,206,229,000 | 501 |
| Average equity | $160,358,000 | 463 |
| Average total loans | $704,671,000 | 587 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8057% | 2,486 |
| Cost of funding earning assets | 0.8094% | 3,118 |
| Net interest margin | 3.9963% | 2,523 |
| Noninterest income to average assets | 1.1886% | 1,005 |
| Noninterest expense to average assets | 2.5354% | 5,013 |
| Loan and lease loss provision to assets | 0.0282% | 5,318 |
| Net operating income to assets | 1.6812% | 699 |
| Return on assets (ROA) | 1.7036% | 745 |
| Pretax return on assets | 2.3482% | 381 |
| Return on Equity (ROE) | 14.0959% | 1,091 |
| Retained earnings to average equity (ytd only) | 8.8263% | 1,332 |
| Net charge-offs to loans | 0.0660% | 4,504 |
| Credit loss provision to net charge-offs | 79.3991% | 3,336 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 591 |
| Efficiency ratio | 51.8266% | 6,515 |
| Assets per employee ($millions) | 4.5377% | 2,835 |
| Cash dividends to net income (ytd only)* | 37.3836% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0821% | 5,856 |
| Loan loss allowance to noncurrent loans | 89.1282% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 0.7215% | 4,992 |
| Noncurrent loans to loans | 1.2141% | 4,126 |
| Net loans and leases to total assets | 53.1917% | 4,935 |
| Net loans and leases to deposits | 67.8682% | 4,226 |
| Net loans and leases to core deposits | 70.9637% | 4,420 |
| Total domestic deposits to total assets | 78.3750% | 6,085 |
| Equity capital to assets | 12.3581% | 1,905 |
| Core capital (leverage) ratio | 10.9190% | 2,378 |
| Tier 1 risk-based capital ratio | 19.8695% | 1,733 |
| Total risk-based capital ratio | 20.9688% | 1,746 |
| Memoranda: | ||
| Average total assets | $1,311,105,000 | 511 |
| Average earning assets | $1,211,470,000 | 501 |
| Average equity | $158,457,670 | 464 |
| Average total loans | $705,563,000 | 585 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8541% | 2,425 |
| Cost of funding earning assets | 0.8275% | 3,259 |
| Net interest margin | 4.0266% | 2,389 |
| Noninterest income to average assets | 1.1459% | 1,078 |
| Noninterest expense to average assets | 2.5760% | 4,900 |
| Loan and lease loss provision to assets | -0.0556% | 7,147 |
| Net operating income to assets | 1.6962% | 723 |
| Return on assets (ROA) | 1.6957% | 804 |
| Pretax return on assets | 2.3462% | 419 |
| Return on Equity (ROE) | 14.1916% | 1,151 |
| Retained earnings to average equity (ytd only) | 9.1370% | 1,536 |
| Net charge-offs to loans | 0.0869% | 3,645 |
| Credit loss provision to net charge-offs | -118.9542% | 5,524 |
| Earnings coverage of net charge-offs (x) | 48.9935% | 641 |
| Efficiency ratio | 52.8071% | 6,463 |
| Assets per employee ($millions) | 4.4841% | 3,025 |
| Cash dividends to net income (ytd only)* | 35.6164% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 6,066 |
| Loan loss allowance to noncurrent loans | 89.7358% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.7043% | 5,142 |
| Noncurrent loans to loans | 1.1736% | 4,372 |
| Net loans and leases to total assets | 53.0652% | 4,873 |
| Net loans and leases to deposits | 67.9984% | 4,058 |
| Net loans and leases to core deposits | 70.0777% | 4,407 |
| Total domestic deposits to total assets | 78.0389% | 6,255 |
| Equity capital to assets | 12.1295% | 1,953 |
| Core capital (leverage) ratio | 10.6758% | 2,576 |
| Tier 1 risk-based capital ratio | 19.3873% | 1,876 |
| Total risk-based capital ratio | 20.4544% | 1,899 |
| Memoranda: | ||
| Average total assets | $1,308,691,500 | 512 |
| Average earning assets | $1,209,446,000 | 497 |
| Average equity | $156,374,500 | 467 |
| Average total loans | $704,532,500 | 582 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0840% | 2,513 |
| Cost of funding earning assets | 1.1319% | 2,457 |
| Net interest margin | 3.9522% | 3,094 |
| Noninterest income to average assets | 1.0611% | 1,193 |
| Noninterest expense to average assets | 2.4357% | 5,679 |
| Loan and lease loss provision to assets | -0.0218% | 7,226 |
| Net operating income to assets | 1.6511% | 602 |
| Return on assets (ROA) | 1.7700% | 527 |
| Pretax return on assets | 2.4383% | 233 |
| Return on Equity (ROE) | 16.3290% | 560 |
| Retained earnings to average equity (ytd only) | 10.7743% | 435 |
| Net charge-offs to loans | 0.1558% | 4,898 |
| Credit loss provision to net charge-offs | -25.5148% | 6,637 |
| Earnings coverage of net charge-offs (x) | 26.3232% | 946 |
| Efficiency ratio | 51.7562% | 6,722 |
| Assets per employee ($millions) | 4.5258% | 2,868 |
| Cash dividends to net income (ytd only)* | 34.0175% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0864% | 5,865 |
| Loan loss allowance to noncurrent loans | 91.0326% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.7390% | 5,166 |
| Noncurrent loans to loans | 1.1934% | 4,383 |
| Net loans and leases to total assets | 53.4515% | 5,110 |
| Net loans and leases to deposits | 68.7839% | 4,317 |
| Net loans and leases to core deposits | 70.9831% | 4,651 |
| Total domestic deposits to total assets | 77.7093% | 6,244 |
| Equity capital to assets | 11.7694% | 2,290 |
| Core capital (leverage) ratio | 10.1377% | 3,186 |
| Tier 1 risk-based capital ratio | 18.5530% | 2,031 |
| Total risk-based capital ratio | 19.6577% | 2,038 |
| Memoranda: | ||
| Average total assets | $1,304,746,400 | 498 |
| Average earning assets | $1,197,769,000 | 496 |
| Average equity | $141,429,400 | 491 |
| Average total loans | $717,041,200 | 575 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1156% | 2,531 |
| Cost of funding earning assets | 1.2012% | 2,310 |
| Net interest margin | 3.9144% | 3,310 |
| Noninterest income to average assets | 1.0373% | 1,256 |
| Noninterest expense to average assets | 2.4408% | 5,659 |
| Loan and lease loss provision to assets | -0.0203% | 7,309 |
| Net operating income to assets | 1.5984% | 780 |
| Return on assets (ROA) | 1.7431% | 631 |
| Pretax return on assets | 2.4011% | 295 |
| Return on Equity (ROE) | 16.4356% | 619 |
| Retained earnings to average equity (ytd only) | 10.5415% | 716 |
| Net charge-offs to loans | 0.1357% | 4,696 |
| Credit loss provision to net charge-offs | -27.0492% | 6,442 |
| Earnings coverage of net charge-offs (x) | 29.1351% | 950 |
| Efficiency ratio | 52.6020% | 6,629 |
| Assets per employee ($millions) | 4.4410% | 3,016 |
| Cash dividends to net income (ytd only)* | 35.8619% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 5,652 |
| Loan loss allowance to noncurrent loans | 91.4142% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.8101% | 5,150 |
| Noncurrent loans to loans | 1.2650% | 4,419 |
| Net loans and leases to total assets | 53.7128% | 5,208 |
| Net loans and leases to deposits | 70.0783% | 4,291 |
| Net loans and leases to core deposits | 72.4063% | 4,661 |
| Total domestic deposits to total assets | 76.6468% | 6,432 |
| Equity capital to assets | 11.4379% | 2,742 |
| Core capital (leverage) ratio | 9.7623% | 3,750 |
| Tier 1 risk-based capital ratio | 17.5834% | 2,403 |
| Total risk-based capital ratio | 18.7368% | 2,420 |
| Memoranda: | ||
| Average total assets | $1,302,809,000 | 507 |
| Average earning assets | $1,193,557,000 | 501 |
| Average equity | $138,168,500 | 508 |
| Average total loans | $718,988,000 | 580 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1240% | 2,572 |
| Cost of funding earning assets | 1.2815% | 2,058 |
| Net interest margin | 3.8426% | 3,571 |
| Noninterest income to average assets | 0.9466% | 1,479 |
| Noninterest expense to average assets | 2.4336% | 5,744 |
| Loan and lease loss provision to assets | -0.0247% | 7,383 |
| Net operating income to assets | 1.4902% | 910 |
| Return on assets (ROA) | 1.7042% | 644 |
| Pretax return on assets | 2.3483% | 317 |
| Return on Equity (ROE) | 16.5005% | 612 |
| Retained earnings to average equity (ytd only) | 11.6199% | 573 |
| Net charge-offs to loans | 0.1873% | 4,036 |
| Credit loss provision to net charge-offs | -23.7814% | 6,209 |
| Earnings coverage of net charge-offs (x) | 19.5436% | 1,212 |
| Efficiency ratio | 54.3211% | 6,592 |
| Assets per employee ($millions) | 4.4937% | 2,845 |
| Cash dividends to net income (ytd only)* | 29.5786% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1580% | 5,732 |
| Loan loss allowance to noncurrent loans | 101.4975% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.7555% | 5,392 |
| Noncurrent loans to loans | 1.1409% | 4,749 |
| Net loans and leases to total assets | 54.3503% | 5,244 |
| Net loans and leases to deposits | 70.8640% | 4,314 |
| Net loans and leases to core deposits | 73.5291% | 4,637 |
| Total domestic deposits to total assets | 76.6967% | 6,496 |
| Equity capital to assets | 10.9416% | 3,019 |
| Core capital (leverage) ratio | 9.4301% | 4,062 |
| Tier 1 risk-based capital ratio | 16.8978% | 2,568 |
| Total risk-based capital ratio | 18.0552% | 2,568 |
| Memoranda: | ||
| Average total assets | $1,303,339,330 | 512 |
| Average earning assets | $1,193,005,330 | 505 |
| Average equity | $134,614,000 | 520 |
| Average total loans | $722,951,670 | 584 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0999% | 2,651 |
| Cost of funding earning assets | 1.3466% | 1,908 |
| Net interest margin | 3.7533% | 3,827 |
| Noninterest income to average assets | 0.7775% | 2,123 |
| Noninterest expense to average assets | 2.5143% | 5,506 |
| Loan and lease loss provision to assets | -0.0588% | 7,476 |
| Net operating income to assets | 1.2692% | 1,345 |
| Return on assets (ROA) | 1.6801% | 628 |
| Pretax return on assets | 2.3142% | 333 |
| Return on Equity (ROE) | 16.7613% | 602 |
| Retained earnings to average equity (ytd only) | 11.9322% | 745 |
| Net charge-offs to loans | 0.0379% | 4,579 |
| Credit loss provision to net charge-offs | -278.2609% | 5,850 |
| Earnings coverage of net charge-offs (x) | 80.0725% | 387 |
| Efficiency ratio | 59.4597% | 6,061 |
| Assets per employee ($millions) | 4.5641% | 2,787 |
| Cash dividends to net income (ytd only)* | 28.8111% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 5,480 |
| Loan loss allowance to noncurrent loans | 81.7258% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 0.8834% | 5,142 |
| Noncurrent loans to loans | 1.5052% | 4,216 |
| Net loans and leases to total assets | 54.4113% | 5,243 |
| Net loans and leases to deposits | 70.2495% | 4,310 |
| Net loans and leases to core deposits | 72.9628% | 4,654 |
| Total domestic deposits to total assets | 77.4545% | 6,457 |
| Equity capital to assets | 10.2791% | 3,434 |
| Core capital (leverage) ratio | 8.9867% | 4,632 |
| Tier 1 risk-based capital ratio | 15.8841% | 2,963 |
| Total risk-based capital ratio | 17.1060% | 2,941 |
| Memoranda: | ||
| Average total assets | $1,305,671,500 | 513 |
| Average earning assets | $1,192,965,500 | 509 |
| Average equity | $130,873,000 | 532 |
| Average total loans | $727,376,000 | 587 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1626% | 3,789 |
| Cost of funding earning assets | 1.6096% | 2,013 |
| Net interest margin | 3.5529% | 5,029 |
| Noninterest income to average assets | 1.0374% | 1,397 |
| Noninterest expense to average assets | 2.3589% | 6,197 |
| Loan and lease loss provision to assets | 0.0898% | 6,244 |
| Net operating income to assets | 1.3761% | 995 |
| Return on assets (ROA) | 1.3972% | 1,030 |
| Pretax return on assets | 1.8244% | 723 |
| Return on Equity (ROE) | 13.3576% | 1,009 |
| Retained earnings to average equity (ytd only) | -9.1190% | 6,601 |
| Net charge-offs to loans | 0.0481% | 6,319 |
| Credit loss provision to net charge-offs | 341.2607% | 751 |
| Earnings coverage of net charge-offs (x) | 71.6791% | 337 |
| Efficiency ratio | 55.2247% | 6,690 |
| Assets per employee ($millions) | 4.6477% | 2,626 |
| Cash dividends to net income (ytd only)* | 168.2682% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 5,333 |
| Loan loss allowance to noncurrent loans | 78.9442% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 0.9244% | 5,165 |
| Noncurrent loans to loans | 1.5681% | 4,148 |
| Net loans and leases to total assets | 55.6313% | 5,399 |
| Net loans and leases to deposits | 72.2761% | 4,470 |
| Net loans and leases to core deposits | 75.1307% | 4,837 |
| Total domestic deposits to total assets | 76.9705% | 6,482 |
| Equity capital to assets | 9.7679% | 4,035 |
| Core capital (leverage) ratio | 8.4951% | 5,377 |
| Tier 1 risk-based capital ratio | 14.6198% | 3,466 |
| Total risk-based capital ratio | 15.8507% | 3,442 |
| Memoranda: | ||
| Average total assets | $1,325,778,200 | 507 |
| Average earning assets | $1,197,218,000 | 509 |
| Average equity | $138,677,200 | 495 |
| Average total loans | $725,637,400 | 602 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1550% | 4,055 |
| Cost of funding earning assets | 1.6606% | 2,042 |
| Net interest margin | 3.4944% | 5,314 |
| Noninterest income to average assets | 0.9895% | 1,488 |
| Noninterest expense to average assets | 2.3226% | 6,256 |
| Loan and lease loss provision to assets | 0.0473% | 6,611 |
| Net operating income to assets | 1.3498% | 1,220 |
| Return on assets (ROA) | 1.3742% | 1,239 |
| Pretax return on assets | 1.8007% | 924 |
| Return on Equity (ROE) | 12.9273% | 1,269 |
| Retained earnings to average equity (ytd only) | -15.0783% | 7,082 |
| Net charge-offs to loans | 0.0249% | 6,325 |
| Credit loss provision to net charge-offs | 349.6296% | 904 |
| Earnings coverage of net charge-offs (x) | 134.2485% | 239 |
| Efficiency ratio | 55.7947% | 6,586 |
| Assets per employee ($millions) | 4.4450% | 3,000 |
| Cash dividends to net income (ytd only)* | 216.6387% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 5,571 |
| Loan loss allowance to noncurrent loans | 84.4161% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.8259% | 5,442 |
| Noncurrent loans to loans | 1.4023% | 4,514 |
| Net loans and leases to total assets | 55.3256% | 5,651 |
| Net loans and leases to deposits | 72.9530% | 4,700 |
| Net loans and leases to core deposits | 75.7552% | 5,087 |
| Total domestic deposits to total assets | 75.8373% | 6,685 |
| Equity capital to assets | 10.0314% | 4,123 |
| Core capital (leverage) ratio | 8.1844% | 6,067 |
| Tier 1 risk-based capital ratio | 14.3084% | 3,626 |
| Total risk-based capital ratio | 15.4846% | 3,638 |
| Memoranda: | ||
| Average total assets | $1,330,719,750 | 500 |
| Average earning assets | $1,199,193,750 | 504 |
| Average equity | $141,454,000 | 482 |
| Average total loans | $723,132,250 | 604 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2061% | 3,924 |
| Cost of funding earning assets | 1.7354% | 1,941 |
| Net interest margin | 3.4707% | 5,365 |
| Noninterest income to average assets | 0.9843% | 1,423 |
| Noninterest expense to average assets | 2.2714% | 6,432 |
| Loan and lease loss provision to assets | 0.0438% | 6,538 |
| Net operating income to assets | 1.3836% | 1,118 |
| Return on assets (ROA) | 1.3864% | 1,183 |
| Pretax return on assets | 1.7938% | 895 |
| Return on Equity (ROE) | 12.9809% | 1,246 |
| Retained earnings to average equity (ytd only) | 9.9874% | 848 |
| Net charge-offs to loans | 0.0257% | 5,975 |
| Credit loss provision to net charge-offs | 309.8901% | 1,179 |
| Earnings coverage of net charge-offs (x) | 129.8462% | 258 |
| Efficiency ratio | 55.0641% | 6,753 |
| Assets per employee ($millions) | 4.6961% | 2,590 |
| Cash dividends to net income (ytd only)* | 23.0606% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 5,609 |
| Loan loss allowance to noncurrent loans | 84.1029% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 0.8316% | 5,457 |
| Noncurrent loans to loans | 1.3906% | 4,618 |
| Net loans and leases to total assets | 54.3480% | 5,945 |
| Net loans and leases to deposits | 75.8222% | 4,369 |
| Net loans and leases to core deposits | 79.0401% | 4,797 |
| Total domestic deposits to total assets | 71.6781% | 7,209 |
| Equity capital to assets | 11.0447% | 2,813 |
| Core capital (leverage) ratio | 9.2711% | 4,169 |
| Tier 1 risk-based capital ratio | 16.3408% | 2,537 |
| Total risk-based capital ratio | 17.5033% | 2,526 |
| Memoranda: | ||
| Average total assets | $1,288,642,330 | 516 |
| Average earning assets | $1,158,800,330 | 520 |
| Average equity | $137,633,000 | 492 |
| Average total loans | $708,071,000 | 624 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2830% | 3,628 |
| Cost of funding earning assets | 1.7798% | 1,968 |
| Net interest margin | 3.5032% | 5,142 |
| Noninterest income to average assets | 1.0189% | 1,236 |
| Noninterest expense to average assets | 2.2712% | 6,477 |
| Loan and lease loss provision to assets | 0.0640% | 6,003 |
| Net operating income to assets | 1.3750% | 1,132 |
| Return on assets (ROA) | 1.3377% | 1,278 |
| Pretax return on assets | 1.7765% | 921 |
| Return on Equity (ROE) | 12.7431% | 1,314 |
| Retained earnings to average equity (ytd only) | 9.8748% | 1,169 |
| Net charge-offs to loans | 0.0311% | 5,140 |
| Credit loss provision to net charge-offs | 374.5455% | 1,090 |
| Earnings coverage of net charge-offs (x) | 110.6000% | 296 |
| Efficiency ratio | 54.3160% | 6,940 |
| Assets per employee ($millions) | 4.6362% | 2,739 |
| Cash dividends to net income (ytd only)* | 22.5087% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1705% | 5,653 |
| Loan loss allowance to noncurrent loans | 91.7120% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.7458% | 5,663 |
| Noncurrent loans to loans | 1.2763% | 4,848 |
| Net loans and leases to total assets | 53.7626% | 6,056 |
| Net loans and leases to deposits | 76.8262% | 4,251 |
| Net loans and leases to core deposits | 79.9736% | 4,766 |
| Total domestic deposits to total assets | 69.9795% | 7,407 |
| Equity capital to assets | 10.5356% | 3,214 |
| Core capital (leverage) ratio | 9.0824% | 4,409 |
| Tier 1 risk-based capital ratio | 15.6174% | 2,820 |
| Total risk-based capital ratio | 16.7647% | 2,806 |
| Memoranda: | ||
| Average total assets | $1,287,245,500 | 536 |
| Average earning assets | $1,154,713,000 | 538 |
| Average equity | $135,132,000 | 500 |
| Average total loans | $707,019,000 | 642 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8297% | 2,526 |
| Cost of funding earning assets | 2.1344% | 2,310 |
| Net interest margin | 3.6953% | 4,166 |
| Noninterest income to average assets | 0.9815% | 1,633 |
| Noninterest expense to average assets | 2.5601% | 5,923 |
| Loan and lease loss provision to assets | 0.0572% | 6,993 |
| Net operating income to assets | 1.2297% | 1,177 |
| Return on assets (ROA) | -1.4745% | 6,852 |
| Pretax return on assets | -2.5130% | 7,146 |
| Return on Equity (ROE) | -18.0687% | 7,081 |
| Retained earnings to average equity (ytd only) | -23.3238% | 7,213 |
| Net charge-offs to loans | 0.0386% | 6,731 |
| Credit loss provision to net charge-offs | 256.1594% | 1,374 |
| Earnings coverage of net charge-offs (x) | 79.2391% | 344 |
| Efficiency ratio | 58.6115% | 6,680 |
| Assets per employee ($millions) | 4.5261% | 2,879 |
| Cash dividends to net income (ytd only)* | -29.0841% | 7,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 5,658 |
| Loan loss allowance to noncurrent loans | 89.6883% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.7773% | 5,551 |
| Noncurrent loans to loans | 1.2782% | 4,789 |
| Net loans and leases to total assets | 54.8237% | 6,102 |
| Net loans and leases to deposits | 78.8952% | 4,191 |
| Net loans and leases to core deposits | 91.7718% | 4,918 |
| Total domestic deposits to total assets | 69.4893% | 7,461 |
| Equity capital to assets | 10.4592% | 3,230 |
| Core capital (leverage) ratio | 9.0189% | 4,384 |
| Tier 1 risk-based capital ratio | 15.0839% | 2,894 |
| Total risk-based capital ratio | 16.2186% | 2,906 |
| Memoranda: | ||
| Average total assets | $1,235,906,200 | 546 |
| Average earning assets | $1,119,763,800 | 539 |
| Average equity | $100,854,200 | 648 |
| Average total loans | $715,545,600 | 647 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9376% | 2,280 |
| Cost of funding earning assets | 2.1981% | 2,423 |
| Net interest margin | 3.7395% | 3,913 |
| Noninterest income to average assets | 0.9429% | 1,804 |
| Noninterest expense to average assets | 2.6714% | 5,450 |
| Loan and lease loss provision to assets | 0.0632% | 6,728 |
| Net operating income to assets | 1.1365% | 1,614 |
| Return on assets (ROA) | -2.4877% | 7,463 |
| Pretax return on assets | -4.0576% | 7,698 |
| Return on Equity (ROE) | -32.8976% | 7,660 |
| Retained earnings to average equity (ytd only) | -40.5212% | 7,750 |
| Net charge-offs to loans | 0.0427% | 6,306 |
| Credit loss provision to net charge-offs | 252.6087% | 1,695 |
| Earnings coverage of net charge-offs (x) | 66.6911% | 498 |
| Efficiency ratio | 61.0366% | 6,266 |
| Assets per employee ($millions) | 4.3149% | 3,184 |
| Cash dividends to net income (ytd only)* | -23.1735% | 7,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 5,562 |
| Loan loss allowance to noncurrent loans | 95.7459% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.8054% | 5,488 |
| Noncurrent loans to loans | 1.1755% | 4,978 |
| Net loans and leases to total assets | 58.0088% | 5,892 |
| Net loans and leases to deposits | 82.1645% | 3,990 |
| Net loans and leases to core deposits | 94.8439% | 4,949 |
| Total domestic deposits to total assets | 70.6008% | 7,367 |
| Equity capital to assets | 7.2276% | 7,466 |
| Core capital (leverage) ratio | 5.9770% | 7,801 |
| Tier 1 risk-based capital ratio | 9.7185% | 7,222 |
| Total risk-based capital ratio | 10.8215% | 7,284 |
| Memoranda: | ||
| Average total assets | $1,225,791,500 | 564 |
| Average earning assets | $1,113,485,250 | 557 |
| Average equity | $92,693,250 | 703 |
| Average total loans | $717,465,500 | 662 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9809% | 2,261 |
| Cost of funding earning assets | 2.2327% | 2,654 |
| Net interest margin | 3.7482% | 3,759 |
| Noninterest income to average assets | 0.8954% | 2,008 |
| Noninterest expense to average assets | 2.7211% | 5,301 |
| Loan and lease loss provision to assets | -0.0085% | 8,138 |
| Net operating income to assets | 1.1485% | 1,615 |
| Return on assets (ROA) | -0.4452% | 6,500 |
| Pretax return on assets | -0.8978% | 6,745 |
| Return on Equity (ROE) | -5.8021% | 6,688 |
| Retained earnings to average equity (ytd only) | -17.0457% | 7,347 |
| Net charge-offs to loans | 0.0287% | 6,074 |
| Credit loss provision to net charge-offs | -50.4854% | 6,920 |
| Earnings coverage of net charge-offs (x) | 94.4757% | 405 |
| Efficiency ratio | 62.6867% | 6,143 |
| Assets per employee ($millions) | 4.2622% | 3,182 |
| Cash dividends to net income (ytd only)* | -193.7843% | 8,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0570% | 5,861 |
| Loan loss allowance to noncurrent loans | 76.4676% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 0.8772% | 5,236 |
| Noncurrent loans to loans | 1.3823% | 4,451 |
| Net loans and leases to total assets | 57.4160% | 6,047 |
| Net loans and leases to deposits | 83.2680% | 4,007 |
| Net loans and leases to core deposits | 95.5020% | 4,961 |
| Total domestic deposits to total assets | 68.9532% | 7,558 |
| Equity capital to assets | 7.6682% | 7,115 |
| Core capital (leverage) ratio | 8.0367% | 6,260 |
| Tier 1 risk-based capital ratio | 11.3813% | 5,516 |
| Total risk-based capital ratio | 12.2690% | 5,782 |
| Memoranda: | ||
| Average total assets | $1,228,788,000 | 573 |
| Average earning assets | $1,117,751,670 | 568 |
| Average equity | $94,276,000 | 704 |
| Average total loans | $718,658,330 | 687 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0373% | 2,208 |
| Cost of funding earning assets | 2.3058% | 2,670 |
| Net interest margin | 3.7315% | 3,752 |
| Noninterest income to average assets | 0.8537% | 2,063 |
| Noninterest expense to average assets | 2.6448% | 5,244 |
| Loan and lease loss provision to assets | -0.0530% | 8,191 |
| Net operating income to assets | 1.1927% | 1,675 |
| Return on assets (ROA) | -0.3478% | 6,813 |
| Pretax return on assets | -0.7464% | 6,997 |
| Return on Equity (ROE) | -4.5320% | 6,941 |
| Retained earnings to average equity (ytd only) | -17.8865% | 7,580 |
| Net charge-offs to loans | 0.0260% | 5,171 |
| Credit loss provision to net charge-offs | -346.8085% | 6,345 |
| Earnings coverage of net charge-offs (x) | 105.1277% | 414 |
| Efficiency ratio | 61.6679% | 6,115 |
| Assets per employee ($millions) | 4.3446% | 2,986 |
| Cash dividends to net income (ytd only)* | -294.6679% | 8,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 5,839 |
| Loan loss allowance to noncurrent loans | 95.8205% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.7178% | 5,365 |
| Noncurrent loans to loans | 1.0898% | 4,804 |
| Net loans and leases to total assets | 57.4015% | 6,038 |
| Net loans and leases to deposits | 85.0189% | 3,818 |
| Net loans and leases to core deposits | 97.8083% | 4,762 |
| Total domestic deposits to total assets | 67.5162% | 7,630 |
| Equity capital to assets | 7.6527% | 7,215 |
| Core capital (leverage) ratio | 8.1890% | 6,130 |
| Tier 1 risk-based capital ratio | 11.5979% | 5,306 |
| Total risk-based capital ratio | 12.4637% | 5,601 |
| Memoranda: | ||
| Average total assets | $1,229,431,000 | 576 |
| Average earning assets | $1,119,765,000 | 569 |
| Average equity | $94,350,500 | 703 |
| Average total loans | $721,832,000 | 689 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4333% | 3,264 |
| Cost of funding earning assets | 2.7420% | 2,967 |
| Net interest margin | 3.6912% | 4,510 |
| Noninterest income to average assets | 0.9747% | 1,677 |
| Noninterest expense to average assets | 2.5514% | 5,822 |
| Loan and lease loss provision to assets | 0.0841% | 6,336 |
| Net operating income to assets | 1.3404% | 1,373 |
| Return on assets (ROA) | 0.8117% | 3,227 |
| Pretax return on assets | 1.0286% | 3,274 |
| Return on Equity (ROE) | 10.1296% | 2,215 |
| Retained earnings to average equity (ytd only) | 0.9954% | 4,628 |
| Net charge-offs to loans | 0.2627% | 3,657 |
| Credit loss provision to net charge-offs | 54.0881% | 6,303 |
| Earnings coverage of net charge-offs (x) | 11.4633% | 2,369 |
| Efficiency ratio | 57.9612% | 6,706 |
| Assets per employee ($millions) | 4.2983% | 2,961 |
| Cash dividends to net income (ytd only)* | 90.1736% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 5,577 |
| Loan loss allowance to noncurrent loans | 91.5307% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 0.7096% | 5,099 |
| Noncurrent loans to loans | 1.1533% | 4,226 |
| Net loans and leases to total assets | 58.7959% | 6,091 |
| Net loans and leases to deposits | 87.2991% | 3,892 |
| Net loans and leases to core deposits | 100.3451% | 4,794 |
| Total domestic deposits to total assets | 67.3500% | 7,534 |
| Equity capital to assets | 7.6961% | 7,206 |
| Core capital (leverage) ratio | 8.5105% | 5,563 |
| Tier 1 risk-based capital ratio | 11.6796% | 5,074 |
| Total risk-based capital ratio | 12.5319% | 5,344 |
| Memoranda: | ||
| Average total assets | $1,227,428,400 | 549 |
| Average earning assets | $1,116,833,400 | 549 |
| Average equity | $98,355,600 | 678 |
| Average total loans | $726,254,000 | 663 |