Home > Citizens State Bank > Performance and Condition Ratios
Citizens State 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 | 5.2525% | 1,570 |
| Cost of funding earning assets | 1.2706% | 2,598 |
| Net interest margin | 3.9820% | 1,235 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.3409% | 2,742 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.4334% | 1,151 |
| Return on assets (ROA) | 1.4212% | 1,152 |
| Pretax return on assets | 1.7699% | 922 |
| Return on Equity (ROE) | 14.3600% | 1,411 |
| Retained earnings to average equity (ytd only) | 11.3672% | 718 |
| Net charge-offs to loans | 0.1032% | 887 |
| Credit loss provision to net charge-offs | 139.3759% | 1,536 |
| Earnings coverage of net charge-offs (x) | 28.5840% | 1,659 |
| Efficiency ratio | 55.5039% | 3,546 |
| Assets per employee ($millions) | 7.3755% | 1,823 |
| Cash dividends to net income (ytd only)* | 20.8525% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9575% | 3,501 |
| Loan loss allowance to noncurrent loans | 54.9675% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.1581% | 386 |
| Noncurrent loans to loans | 1.7420% | 357 |
| Net loans and leases to total assets | 63.0500% | 2,565 |
| Net loans and leases to deposits | 71.0699% | 2,810 |
| Net loans and leases to core deposits | 76.4074% | 2,947 |
| Total domestic deposits to total assets | 88.7200% | 1,149 |
| Equity capital to assets | 10.3427% | 1,821 |
| Core capital (leverage) ratio | 11.2814% | 1,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,025,091,600 | 964 |
| Average earning assets | $945,810,600 | 957 |
| Average equity | $101,441,000 | 932 |
| Average total loans | $652,186,000 | 1,025 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1455% | 1,550 |
| Cost of funding earning assets | 1.1616% | 2,557 |
| Net interest margin | 3.9839% | 1,249 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.2748% | 2,875 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.4416% | 1,234 |
| Return on assets (ROA) | 1.4217% | 1,253 |
| Pretax return on assets | 1.7717% | 1,046 |
| Return on Equity (ROE) | 14.5400% | 1,538 |
| Retained earnings to average equity (ytd only) | 12.7194% | 852 |
| Net charge-offs to loans | 0.0855% | 876 |
| Credit loss provision to net charge-offs | 257.3494% | 968 |
| Earnings coverage of net charge-offs (x) | 35.6145% | 1,510 |
| Efficiency ratio | 54.0180% | 3,587 |
| Assets per employee ($millions) | 7.2986% | 1,755 |
| Cash dividends to net income (ytd only)* | 12.5046% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 3,171 |
| Loan loss allowance to noncurrent loans | 74.7041% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.9437% | 570 |
| Noncurrent loans to loans | 1.3880% | 548 |
| Net loans and leases to total assets | 63.6600% | 2,483 |
| Net loans and leases to deposits | 71.7931% | 2,722 |
| Net loans and leases to core deposits | 76.5768% | 2,825 |
| Total domestic deposits to total assets | 88.6800% | 1,350 |
| Equity capital to assets | 10.1201% | 1,761 |
| Core capital (leverage) ratio | 11.1647% | 1,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,017,691,750 | 970 |
| Average earning assets | $940,060,250 | 962 |
| Average equity | $99,530,500 | 948 |
| Average total loans | $647,376,750 | 1,026 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0135% | 1,539 |
| Cost of funding earning assets | 1.0400% | 2,478 |
| Net interest margin | 3.9735% | 1,285 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 2.1946% | 3,095 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.5064% | 1,089 |
| Return on assets (ROA) | 1.4812% | 1,134 |
| Pretax return on assets | 1.8488% | 939 |
| Return on Equity (ROE) | 15.3200% | 1,410 |
| Retained earnings to average equity (ytd only) | 14.7153% | 596 |
| Net charge-offs to loans | 0.0165% | 1,590 |
| Credit loss provision to net charge-offs | 1,028.3019% | 401 |
| Earnings coverage of net charge-offs (x) | 190.5660% | 633 |
| Efficiency ratio | 52.4751% | 3,742 |
| Assets per employee ($millions) | 7.6556% | 1,503 |
| Cash dividends to net income (ytd only)* | 3.9724% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 3,322 |
| Loan loss allowance to noncurrent loans | 66.9079% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 1.0132% | 454 |
| Noncurrent loans to loans | 1.5302% | 428 |
| Net loans and leases to total assets | 63.2000% | 2,465 |
| Net loans and leases to deposits | 71.0376% | 2,711 |
| Net loans and leases to core deposits | 74.8905% | 2,839 |
| Total domestic deposits to total assets | 88.9600% | 1,272 |
| Equity capital to assets | 10.0241% | 1,847 |
| Core capital (leverage) ratio | 11.0116% | 1,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,016,320,667 | 961 |
| Average earning assets | $940,022,667 | 954 |
| Average equity | $98,238,000 | 951 |
| Average total loans | $644,059,000 | 1,016 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9112% | 1,389 |
| Cost of funding earning assets | 0.9443% | 2,238 |
| Net interest margin | 3.9670% | 1,333 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.2313% | 3,006 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.4937% | 1,198 |
| Return on assets (ROA) | 1.4462% | 1,267 |
| Pretax return on assets | 1.8046% | 1,059 |
| Return on Equity (ROE) | 15.2400% | 1,513 |
| Retained earnings to average equity (ytd only) | 14.9910% | 802 |
| Net charge-offs to loans | -0.0181% | 4,067 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.3384% | 3,672 |
| Assets per employee ($millions) | 7.3008% | 1,752 |
| Cash dividends to net income (ytd only)* | 1.6617% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9969% | 3,537 |
| Loan loss allowance to noncurrent loans | 74.2937% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 0.8841% | 510 |
| Noncurrent loans to loans | 1.3418% | 493 |
| Net loans and leases to total assets | 62.3400% | 2,431 |
| Net loans and leases to deposits | 69.7538% | 2,634 |
| Net loans and leases to core deposits | 72.9095% | 2,751 |
| Total domestic deposits to total assets | 89.3700% | 1,391 |
| Equity capital to assets | 9.6527% | 2,033 |
| Core capital (leverage) ratio | 10.6096% | 2,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,015,382,000 | 972 |
| Average earning assets | $941,676,500 | 963 |
| Average equity | $96,324,500 | 978 |
| Average total loans | $641,032,000 | 1,026 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1761% | 1,294 |
| Cost of funding earning assets | 0.4355% | 1,818 |
| Net interest margin | 3.7406% | 1,284 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.2191% | 2,975 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 1.3302% | 1,337 |
| Return on assets (ROA) | 1.3175% | 1,330 |
| Pretax return on assets | 1.6362% | 1,069 |
| Return on Equity (ROE) | 13.7500% | 1,587 |
| Retained earnings to average equity (ytd only) | 10.7177% | 954 |
| Net charge-offs to loans | 0.2558% | 312 |
| Credit loss provision to net charge-offs | 129.2112% | 1,412 |
| Earnings coverage of net charge-offs (x) | 12.1156% | 2,122 |
| Efficiency ratio | 54.5489% | 3,742 |
| Assets per employee ($millions) | 7.3090% | 1,752 |
| Cash dividends to net income (ytd only)* | 22.0364% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9653% | 3,542 |
| Loan loss allowance to noncurrent loans | 65.4177% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 0.9617% | 447 |
| Noncurrent loans to loans | 1.4756% | 442 |
| Net loans and leases to total assets | 62.6900% | 2,360 |
| Net loans and leases to deposits | 69.7041% | 2,604 |
| Net loans and leases to core deposits | 72.6198% | 2,672 |
| Total domestic deposits to total assets | 89.9300% | 1,390 |
| Equity capital to assets | 9.3181% | 2,141 |
| Core capital (leverage) ratio | 10.5124% | 2,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $980,257,600 | 997 |
| Average earning assets | $914,179,200 | 980 |
| Average equity | $93,947,600 | 983 |
| Average total loans | $584,821,200 | 1,052 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0541% | 1,155 |
| Cost of funding earning assets | 0.3499% | 1,704 |
| Net interest margin | 3.7042% | 1,125 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 2.2260% | 2,860 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 1.2919% | 1,377 |
| Return on assets (ROA) | 1.2750% | 1,407 |
| Pretax return on assets | 1.5924% | 1,134 |
| Return on Equity (ROE) | 13.2100% | 1,639 |
| Retained earnings to average equity (ytd only) | 12.7883% | 648 |
| Net charge-offs to loans | 0.2861% | 229 |
| Credit loss provision to net charge-offs | 117.6998% | 1,232 |
| Earnings coverage of net charge-offs (x) | 10.7830% | 1,970 |
| Efficiency ratio | 55.1363% | 3,704 |
| Assets per employee ($millions) | 7.0615% | 1,899 |
| Cash dividends to net income (ytd only)* | 3.1807% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 3,637 |
| Loan loss allowance to noncurrent loans | 68.8680% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 0.9078% | 522 |
| Noncurrent loans to loans | 1.4011% | 514 |
| Net loans and leases to total assets | 62.1500% | 2,268 |
| Net loans and leases to deposits | 69.4324% | 2,416 |
| Net loans and leases to core deposits | 72.1421% | 2,473 |
| Total domestic deposits to total assets | 89.5200% | 1,863 |
| Equity capital to assets | 9.4276% | 1,927 |
| Core capital (leverage) ratio | 10.5371% | 2,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $973,160,000 | 1,011 |
| Average earning assets | $908,131,250 | 995 |
| Average equity | $93,937,750 | 1,002 |
| Average total loans | $571,411,000 | 1,067 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9081% | 1,101 |
| Cost of funding earning assets | 0.3067% | 1,667 |
| Net interest margin | 3.6014% | 1,065 |
| Noninterest income to average assets | 0.5639% | 1,885 |
| Noninterest expense to average assets | 2.2334% | 2,754 |
| Loan and lease loss provision to assets | 0.1490% | 640 |
| Net operating income to assets | 1.2369% | 1,309 |
| Return on assets (ROA) | 1.2150% | 1,368 |
| Pretax return on assets | 1.5178% | 1,133 |
| Return on Equity (ROE) | 12.4887% | 1,529 |
| Retained earnings to average equity (ytd only) | 12.1646% | 584 |
| Net charge-offs to loans | 0.1229% | 506 |
| Credit loss provision to net charge-offs | 211.4035% | 947 |
| Earnings coverage of net charge-offs (x) | 24.0351% | 1,482 |
| Efficiency ratio | 56.8640% | 3,695 |
| Assets per employee ($millions) | 7.0046% | 1,936 |
| Cash dividends to net income (ytd only)* | 2.5954% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0549% | 3,349 |
| Loan loss allowance to noncurrent loans | 74.9080% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 0.8675% | 592 |
| Noncurrent loans to loans | 1.4083% | 534 |
| Net loans and leases to total assets | 59.2649% | 2,410 |
| Net loans and leases to deposits | 66.1239% | 2,538 |
| Net loans and leases to core deposits | 68.0844% | 2,645 |
| Total domestic deposits to total assets | 89.6271% | 1,887 |
| Equity capital to assets | 9.3425% | 2,133 |
| Core capital (leverage) ratio | 10.3139% | 2,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $970,364,667 | 1,007 |
| Average earning assets | $906,318,000 | 1,000 |
| Average equity | $94,405,000 | 1,003 |
| Average total loans | $556,541,667 | 1,080 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8394% | 1,019 |
| Cost of funding earning assets | 0.2922% | 1,731 |
| Net interest margin | 3.5471% | 989 |
| Noninterest income to average assets | 0.5632% | 1,853 |
| Noninterest expense to average assets | 2.1777% | 2,901 |
| Loan and lease loss provision to assets | 0.1267% | 651 |
| Net operating income to assets | 1.2630% | 1,083 |
| Return on assets (ROA) | 1.2429% | 1,119 |
| Pretax return on assets | 1.5548% | 912 |
| Return on Equity (ROE) | 12.5283% | 1,149 |
| Retained earnings to average equity (ytd only) | 12.2131% | 571 |
| Net charge-offs to loans | 0.0653% | 675 |
| Credit loss provision to net charge-offs | 346.0674% | 626 |
| Earnings coverage of net charge-offs (x) | 46.6067% | 945 |
| Efficiency ratio | 56.0640% | 3,874 |
| Assets per employee ($millions) | 7.2075% | 1,849 |
| Cash dividends to net income (ytd only)* | 2.5157% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0763% | 3,431 |
| Loan loss allowance to noncurrent loans | 58.7027% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 1.0570% | 462 |
| Noncurrent loans to loans | 1.8336% | 414 |
| Net loans and leases to total assets | 55.7504% | 2,552 |
| Net loans and leases to deposits | 62.3183% | 2,688 |
| Net loans and leases to core deposits | 64.1996% | 2,781 |
| Total domestic deposits to total assets | 89.4607% | 1,836 |
| Equity capital to assets | 9.6259% | 2,194 |
| Core capital (leverage) ratio | 10.2125% | 2,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $972,226,500 | 1,005 |
| Average earning assets | $910,255,000 | 1,002 |
| Average equity | $96,453,500 | 1,012 |
| Average total loans | $545,319,000 | 1,089 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2759% | 880 |
| Cost of funding earning assets | 0.3607% | 1,851 |
| Net interest margin | 3.9152% | 830 |
| Noninterest income to average assets | 0.5719% | 2,270 |
| Noninterest expense to average assets | 2.2806% | 2,851 |
| Loan and lease loss provision to assets | 0.1116% | 1,129 |
| Net operating income to assets | 1.4592% | 1,110 |
| Return on assets (ROA) | 1.4589% | 1,179 |
| Pretax return on assets | 1.8144% | 884 |
| Return on Equity (ROE) | 13.8641% | 1,225 |
| Retained earnings to average equity (ytd only) | 7.0319% | 1,908 |
| Net charge-offs to loans | 0.0683% | 1,111 |
| Credit loss provision to net charge-offs | 279.5858% | 1,106 |
| Earnings coverage of net charge-offs (x) | 48.2604% | 1,318 |
| Efficiency ratio | 54.2106% | 3,912 |
| Assets per employee ($millions) | 7.0899% | 1,869 |
| Cash dividends to net income (ytd only)* | 49.2796% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0643% | 3,505 |
| Loan loss allowance to noncurrent loans | 66.1661% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 0.9219% | 625 |
| Noncurrent loans to loans | 1.6085% | 540 |
| Net loans and leases to total assets | 55.2240% | 2,712 |
| Net loans and leases to deposits | 62.0007% | 2,882 |
| Net loans and leases to core deposits | 63.8875% | 2,989 |
| Total domestic deposits to total assets | 89.0699% | 1,475 |
| Equity capital to assets | 10.2208% | 2,449 |
| Core capital (leverage) ratio | 10.7799% | 1,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $846,802,200 | 1,093 |
| Average earning assets | $786,189,800 | 1,104 |
| Average equity | $89,108,000 | 1,112 |
| Average total loans | $494,982,200 | 1,178 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4506% | 739 |
| Cost of funding earning assets | 0.3881% | 1,792 |
| Net interest margin | 4.0625% | 696 |
| Noninterest income to average assets | 0.5614% | 2,365 |
| Noninterest expense to average assets | 2.2256% | 2,992 |
| Loan and lease loss provision to assets | 0.1248% | 934 |
| Net operating income to assets | 1.5841% | 1,067 |
| Return on assets (ROA) | 1.5867% | 1,109 |
| Pretax return on assets | 1.9768% | 832 |
| Return on Equity (ROE) | 14.9519% | 1,150 |
| Retained earnings to average equity (ytd only) | 14.7214% | 434 |
| Net charge-offs to loans | 0.0551% | 1,104 |
| Credit loss provision to net charge-offs | 382.5000% | 881 |
| Earnings coverage of net charge-offs (x) | 64.3250% | 1,100 |
| Efficiency ratio | 51.4711% | 4,075 |
| Assets per employee ($millions) | 6.7572% | 2,045 |
| Cash dividends to net income (ytd only)* | 1.5419% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 3,147 |
| Loan loss allowance to noncurrent loans | 75.9183% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 0.9207% | 737 |
| Noncurrent loans to loans | 1.5329% | 680 |
| Net loans and leases to total assets | 56.6994% | 2,650 |
| Net loans and leases to deposits | 64.3190% | 2,815 |
| Net loans and leases to core deposits | 66.1902% | 2,934 |
| Total domestic deposits to total assets | 88.1535% | 1,744 |
| Equity capital to assets | 10.7277% | 2,237 |
| Core capital (leverage) ratio | 10.6425% | 1,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $817,444,750 | 1,140 |
| Average earning assets | $757,087,750 | 1,152 |
| Average equity | $86,747,000 | 1,147 |
| Average total loans | $484,174,000 | 1,215 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6365% | 588 |
| Cost of funding earning assets | 0.4136% | 1,771 |
| Net interest margin | 4.2229% | 559 |
| Noninterest income to average assets | 0.5634% | 2,358 |
| Noninterest expense to average assets | 2.2667% | 2,862 |
| Loan and lease loss provision to assets | 0.1861% | 612 |
| Net operating income to assets | 1.6107% | 1,033 |
| Return on assets (ROA) | 1.6149% | 1,077 |
| Pretax return on assets | 2.0141% | 823 |
| Return on Equity (ROE) | 15.2763% | 1,091 |
| Retained earnings to average equity (ytd only) | 14.9243% | 441 |
| Net charge-offs to loans | 0.0990% | 743 |
| Credit loss provision to net charge-offs | 313.8075% | 865 |
| Earnings coverage of net charge-offs (x) | 37.0167% | 1,203 |
| Efficiency ratio | 50.8035% | 4,165 |
| Assets per employee ($millions) | 6.5253% | 2,147 |
| Cash dividends to net income (ytd only)* | 2.3045% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1509% | 3,185 |
| Loan loss allowance to noncurrent loans | 64.2588% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 1.1607% | 602 |
| Noncurrent loans to loans | 1.7910% | 581 |
| Net loans and leases to total assets | 58.3612% | 2,616 |
| Net loans and leases to deposits | 66.0601% | 2,820 |
| Net loans and leases to core deposits | 67.9987% | 2,961 |
| Total domestic deposits to total assets | 88.3456% | 1,646 |
| Equity capital to assets | 10.6001% | 2,312 |
| Core capital (leverage) ratio | 10.4523% | 1,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $806,122,000 | 1,148 |
| Average earning assets | $744,134,000 | 1,159 |
| Average equity | $85,217,000 | 1,161 |
| Average total loans | $482,755,333 | 1,217 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6098% | 650 |
| Cost of funding earning assets | 0.4354% | 1,832 |
| Net interest margin | 4.1744% | 631 |
| Noninterest income to average assets | 0.5496% | 2,408 |
| Noninterest expense to average assets | 2.1439% | 3,291 |
| Loan and lease loss provision to assets | 0.2833% | 346 |
| Net operating income to assets | 1.6212% | 1,082 |
| Return on assets (ROA) | 1.6280% | 1,120 |
| Pretax return on assets | 2.0246% | 911 |
| Return on Equity (ROE) | 15.4225% | 1,132 |
| Retained earnings to average equity (ytd only) | 15.4225% | 585 |
| Net charge-offs to loans | 0.1635% | 490 |
| Credit loss provision to net charge-offs | 287.2449% | 777 |
| Earnings coverage of net charge-offs (x) | 23.3112% | 1,193 |
| Efficiency ratio | 48.2501% | 4,324 |
| Assets per employee ($millions) | 6.4539% | 2,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 3,276 |
| Loan loss allowance to noncurrent loans | 74.0486% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.0288% | 793 |
| Noncurrent loans to loans | 1.5314% | 808 |
| Net loans and leases to total assets | 58.8285% | 2,700 |
| Net loans and leases to deposits | 66.4218% | 2,878 |
| Net loans and leases to core deposits | 68.5241% | 3,017 |
| Total domestic deposits to total assets | 88.5680% | 1,578 |
| Equity capital to assets | 10.4275% | 2,342 |
| Core capital (leverage) ratio | 10.5411% | 2,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $794,829,000 | 1,153 |
| Average earning assets | $741,378,000 | 1,154 |
| Average equity | $83,903,500 | 1,162 |
| Average total loans | $479,495,500 | 1,222 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9636% | 525 |
| Cost of funding earning assets | 0.5953% | 2,347 |
| Net interest margin | 4.3683% | 435 |
| Noninterest income to average assets | 0.6171% | 2,153 |
| Noninterest expense to average assets | 2.5536% | 2,686 |
| Loan and lease loss provision to assets | 0.1483% | 2,518 |
| Net operating income to assets | 1.5709% | 681 |
| Return on assets (ROA) | 1.5753% | 734 |
| Pretax return on assets | 1.9676% | 487 |
| Return on Equity (ROE) | 14.1903% | 767 |
| Retained earnings to average equity (ytd only) | 11.1652% | 420 |
| Net charge-offs to loans | 0.1371% | 1,175 |
| Credit loss provision to net charge-offs | 169.0821% | 2,321 |
| Earnings coverage of net charge-offs (x) | 24.0644% | 1,786 |
| Efficiency ratio | 54.7522% | 4,118 |
| Assets per employee ($millions) | 6.0662% | 2,285 |
| Cash dividends to net income (ytd only)* | 21.3178% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0776% | 3,571 |
| Loan loss allowance to noncurrent loans | 64.4106% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 1.1961% | 727 |
| Noncurrent loans to loans | 1.6731% | 777 |
| Net loans and leases to total assets | 60.5301% | 2,786 |
| Net loans and leases to deposits | 68.3924% | 3,043 |
| Net loans and leases to core deposits | 71.1356% | 3,164 |
| Total domestic deposits to total assets | 88.5041% | 1,224 |
| Equity capital to assets | 10.6909% | 2,532 |
| Core capital (leverage) ratio | 10.7816% | 1,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $708,136,000 | 1,169 |
| Average earning assets | $656,016,400 | 1,171 |
| Average equity | $78,610,000 | 1,173 |
| Average total loans | $453,090,600 | 1,221 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1727% | 438 |
| Cost of funding earning assets | 0.6394% | 2,379 |
| Net interest margin | 4.5333% | 348 |
| Noninterest income to average assets | 0.6269% | 2,077 |
| Noninterest expense to average assets | 2.5508% | 2,689 |
| Loan and lease loss provision to assets | 0.1823% | 2,158 |
| Net operating income to assets | 1.6673% | 625 |
| Return on assets (ROA) | 1.6737% | 682 |
| Pretax return on assets | 2.0945% | 419 |
| Return on Equity (ROE) | 14.9225% | 698 |
| Retained earnings to average equity (ytd only) | 12.1702% | 403 |
| Net charge-offs to loans | 0.1293% | 1,106 |
| Credit loss provision to net charge-offs | 217.7419% | 2,044 |
| Earnings coverage of net charge-offs (x) | 27.0945% | 1,678 |
| Efficiency ratio | 52.9263% | 4,260 |
| Assets per employee ($millions) | 5.7254% | 2,523 |
| Cash dividends to net income (ytd only)* | 18.4438% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1085% | 3,163 |
| Loan loss allowance to noncurrent loans | 67.8138% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 1.2582% | 767 |
| Noncurrent loans to loans | 1.6346% | 857 |
| Net loans and leases to total assets | 63.3260% | 2,845 |
| Net loans and leases to deposits | 72.2182% | 3,112 |
| Net loans and leases to core deposits | 75.2678% | 3,223 |
| Total domestic deposits to total assets | 87.6870% | 1,349 |
| Equity capital to assets | 11.1128% | 2,315 |
| Core capital (leverage) ratio | 10.8672% | 1,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $691,052,500 | 1,172 |
| Average earning assets | $639,128,750 | 1,177 |
| Average equity | $77,509,500 | 1,177 |
| Average total loans | $447,583,750 | 1,226 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4318% | 380 |
| Cost of funding earning assets | 0.6883% | 2,459 |
| Net interest margin | 4.7434% | 309 |
| Noninterest income to average assets | 0.6545% | 1,921 |
| Noninterest expense to average assets | 2.6128% | 2,624 |
| Loan and lease loss provision to assets | 0.2747% | 1,559 |
| Net operating income to assets | 1.7262% | 594 |
| Return on assets (ROA) | 1.7359% | 625 |
| Pretax return on assets | 2.1674% | 379 |
| Return on Equity (ROE) | 15.4253% | 645 |
| Retained earnings to average equity (ytd only) | 14.1130% | 269 |
| Net charge-offs to loans | 0.1131% | 1,171 |
| Credit loss provision to net charge-offs | 373.4940% | 1,465 |
| Earnings coverage of net charge-offs (x) | 33.0402% | 1,365 |
| Efficiency ratio | 51.8128% | 4,367 |
| Assets per employee ($millions) | 5.7473% | 2,414 |
| Cash dividends to net income (ytd only)* | 8.5077% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1580% | 2,740 |
| Loan loss allowance to noncurrent loans | 67.4112% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 1.2690% | 837 |
| Noncurrent loans to loans | 1.7178% | 837 |
| Net loans and leases to total assets | 64.3403% | 2,840 |
| Net loans and leases to deposits | 73.6429% | 3,110 |
| Net loans and leases to core deposits | 76.9085% | 3,206 |
| Total domestic deposits to total assets | 87.3679% | 1,466 |
| Equity capital to assets | 11.2463% | 2,153 |
| Core capital (leverage) ratio | 10.9872% | 1,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8717% | 1,280 |
| Memoranda: | ||
| Average total assets | $677,119,667 | 1,178 |
| Average earning assets | $626,427,000 | 1,178 |
| Average equity | $76,199,333 | 1,185 |
| Average total loans | $440,349,333 | 1,231 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1967% | 662 |
| Cost of funding earning assets | 0.7674% | 2,560 |
| Net interest margin | 4.4293% | 588 |
| Noninterest income to average assets | 0.7365% | 1,510 |
| Noninterest expense to average assets | 2.5037% | 3,259 |
| Loan and lease loss provision to assets | 0.1608% | 1,797 |
| Net operating income to assets | 1.7403% | 466 |
| Return on assets (ROA) | 1.7490% | 501 |
| Pretax return on assets | 2.1834% | 303 |
| Return on Equity (ROE) | 15.5365% | 478 |
| Retained earnings to average equity (ytd only) | 14.4587% | 222 |
| Net charge-offs to loans | 0.0821% | 1,210 |
| Credit loss provision to net charge-offs | 301.1364% | 1,170 |
| Earnings coverage of net charge-offs (x) | 43.7045% | 983 |
| Efficiency ratio | 51.7622% | 4,560 |
| Assets per employee ($millions) | 5.2762% | 2,353 |
| Cash dividends to net income (ytd only)* | 6.9372% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 3,027 |
| Loan loss allowance to noncurrent loans | 56.6310% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 1.3681% | 834 |
| Noncurrent loans to loans | 2.0006% | 708 |
| Net loans and leases to total assets | 63.8993% | 3,078 |
| Net loans and leases to deposits | 73.1915% | 3,343 |
| Net loans and leases to core deposits | 76.5285% | 3,461 |
| Total domestic deposits to total assets | 87.3042% | 1,418 |
| Equity capital to assets | 11.4772% | 2,454 |
| Core capital (leverage) ratio | 11.2404% | 2,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6519% | 1,202 |
| Memoranda: | ||
| Average total assets | $659,349,000 | 1,174 |
| Average earning assets | $610,388,000 | 1,167 |
| Average equity | $74,225,000 | 1,214 |
| Average total loans | $428,574,000 | 1,223 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2570% | 892 |
| Cost of funding earning assets | 0.7984% | 2,690 |
| Net interest margin | 4.4587% | 781 |
| Noninterest income to average assets | 0.7244% | 1,730 |
| Noninterest expense to average assets | 2.6968% | 2,892 |
| Loan and lease loss provision to assets | 0.1897% | 1,079 |
| Net operating income to assets | 1.5664% | 903 |
| Return on assets (ROA) | 1.5654% | 967 |
| Pretax return on assets | 1.9527% | 662 |
| Return on Equity (ROE) | 14.5677% | 782 |
| Retained earnings to average equity (ytd only) | 13.3789% | 148 |
| Net charge-offs to loans | 0.1917% | 1,053 |
| Credit loss provision to net charge-offs | 151.7241% | 1,682 |
| Earnings coverage of net charge-offs (x) | 17.1469% | 2,128 |
| Efficiency ratio | 55.7132% | 4,244 |
| Assets per employee ($millions) | 5.2733% | 2,269 |
| Cash dividends to net income (ytd only)* | 8.1599% | 3,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 2,968 |
| Loan loss allowance to noncurrent loans | 60.8036% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 1.2604% | 896 |
| Noncurrent loans to loans | 1.8048% | 744 |
| Net loans and leases to total assets | 64.6564% | 3,111 |
| Net loans and leases to deposits | 73.4382% | 3,400 |
| Net loans and leases to core deposits | 77.2335% | 3,499 |
| Total domestic deposits to total assets | 88.0418% | 1,108 |
| Equity capital to assets | 11.0337% | 2,961 |
| Core capital (leverage) ratio | 11.0421% | 2,469 |
| Tier 1 risk-based capital ratio | 16.1204% | 2,364 |
| Total risk-based capital ratio | 17.1854% | 2,374 |
| Memoranda: | ||
| Average total assets | $626,309,000 | 1,186 |
| Average earning assets | $578,176,600 | 1,192 |
| Average equity | $67,299,800 | 1,260 |
| Average total loans | $408,443,400 | 1,248 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2441% | 956 |
| Cost of funding earning assets | 0.7957% | 2,743 |
| Net interest margin | 4.4484% | 856 |
| Noninterest income to average assets | 0.7086% | 1,745 |
| Noninterest expense to average assets | 2.6379% | 3,049 |
| Loan and lease loss provision to assets | 0.2127% | 816 |
| Net operating income to assets | 1.5756% | 985 |
| Return on assets (ROA) | 1.5756% | 1,041 |
| Pretax return on assets | 1.9627% | 747 |
| Return on Equity (ROE) | 14.7679% | 829 |
| Retained earnings to average equity (ytd only) | 14.5662% | 175 |
| Net charge-offs to loans | 0.2186% | 811 |
| Credit loss provision to net charge-offs | 149.2447% | 1,643 |
| Earnings coverage of net charge-offs (x) | 15.2659% | 2,199 |
| Efficiency ratio | 54.8052% | 4,303 |
| Assets per employee ($millions) | 5.3077% | 2,211 |
| Cash dividends to net income (ytd only)* | 1.3661% | 3,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 3,001 |
| Loan loss allowance to noncurrent loans | 62.5186% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 1.2538% | 988 |
| Noncurrent loans to loans | 1.7692% | 811 |
| Net loans and leases to total assets | 64.2057% | 3,266 |
| Net loans and leases to deposits | 73.2274% | 3,540 |
| Net loans and leases to core deposits | 77.3010% | 3,603 |
| Total domestic deposits to total assets | 87.6799% | 1,175 |
| Equity capital to assets | 10.9604% | 3,131 |
| Core capital (leverage) ratio | 10.9986% | 2,641 |
| Tier 1 risk-based capital ratio | 16.1335% | 2,375 |
| Total risk-based capital ratio | 17.2083% | 2,387 |
| Memoranda: | ||
| Average total assets | $619,412,750 | 1,195 |
| Average earning assets | $571,548,000 | 1,203 |
| Average equity | $66,087,500 | 1,280 |
| Average total loans | $403,685,500 | 1,268 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1832% | 1,011 |
| Cost of funding earning assets | 0.7701% | 2,804 |
| Net interest margin | 4.4131% | 922 |
| Noninterest income to average assets | 0.7408% | 1,552 |
| Noninterest expense to average assets | 2.6535% | 3,048 |
| Loan and lease loss provision to assets | 0.2380% | 664 |
| Net operating income to assets | 1.5394% | 1,033 |
| Return on assets (ROA) | 1.5394% | 1,086 |
| Pretax return on assets | 1.9183% | 801 |
| Return on Equity (ROE) | 14.5670% | 856 |
| Retained earnings to average equity (ytd only) | 14.5670% | 194 |
| Net charge-offs to loans | 0.2450% | 690 |
| Credit loss provision to net charge-offs | 148.8753% | 1,503 |
| Earnings coverage of net charge-offs (x) | 13.4888% | 2,097 |
| Efficiency ratio | 55.1689% | 4,349 |
| Assets per employee ($millions) | 5.1692% | 2,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1012% | 3,063 |
| Loan loss allowance to noncurrent loans | 64.2847% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 1.4042% | 845 |
| Noncurrent loans to loans | 1.7131% | 888 |
| Net loans and leases to total assets | 64.9705% | 3,243 |
| Net loans and leases to deposits | 73.8903% | 3,529 |
| Net loans and leases to core deposits | 77.7639% | 3,597 |
| Total domestic deposits to total assets | 87.9283% | 1,136 |
| Equity capital to assets | 10.8522% | 3,225 |
| Core capital (leverage) ratio | 10.6751% | 2,908 |
| Tier 1 risk-based capital ratio | 15.9003% | 2,457 |
| Total risk-based capital ratio | 16.9785% | 2,470 |
| Memoranda: | ||
| Average total assets | $611,806,000 | 1,206 |
| Average earning assets | $564,094,670 | 1,216 |
| Average equity | $64,653,000 | 1,297 |
| Average total loans | $399,260,000 | 1,276 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0427% | 1,229 |
| Cost of funding earning assets | 0.7099% | 3,004 |
| Net interest margin | 4.3327% | 1,037 |
| Noninterest income to average assets | 0.7161% | 1,556 |
| Noninterest expense to average assets | 2.5773% | 3,275 |
| Loan and lease loss provision to assets | 0.3167% | 394 |
| Net operating income to assets | 1.4645% | 1,199 |
| Return on assets (ROA) | 1.4645% | 1,227 |
| Pretax return on assets | 1.8209% | 942 |
| Return on Equity (ROE) | 14.0545% | 959 |
| Retained earnings to average equity (ytd only) | 14.0545% | 348 |
| Net charge-offs to loans | 0.1749% | 782 |
| Credit loss provision to net charge-offs | 278.4884% | 867 |
| Earnings coverage of net charge-offs (x) | 18.7965% | 1,612 |
| Efficiency ratio | 54.6627% | 4,474 |
| Assets per employee ($millions) | 5.1189% | 2,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1514% | 2,841 |
| Loan loss allowance to noncurrent loans | 50.2626% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 1.5763% | 738 |
| Noncurrent loans to loans | 2.2907% | 604 |
| Net loans and leases to total assets | 63.1412% | 3,387 |
| Net loans and leases to deposits | 71.2901% | 3,656 |
| Net loans and leases to core deposits | 75.1494% | 3,724 |
| Total domestic deposits to total assets | 88.5695% | 1,049 |
| Equity capital to assets | 10.3023% | 3,518 |
| Core capital (leverage) ratio | 10.9311% | 2,634 |
| Tier 1 risk-based capital ratio | 15.6729% | 2,575 |
| Total risk-based capital ratio | 16.7938% | 2,549 |
| Memoranda: | ||
| Average total assets | $604,970,000 | 1,214 |
| Average earning assets | $558,355,000 | 1,224 |
| Average equity | $63,040,500 | 1,317 |
| Average total loans | $393,439,500 | 1,299 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0367% | 968 |
| Cost of funding earning assets | 0.5952% | 2,758 |
| Net interest margin | 4.4415% | 859 |
| Noninterest income to average assets | 0.8113% | 1,413 |
| Noninterest expense to average assets | 2.8670% | 2,460 |
| Loan and lease loss provision to assets | 0.1360% | 1,588 |
| Net operating income to assets | 1.5493% | 995 |
| Return on assets (ROA) | 1.5493% | 990 |
| Pretax return on assets | 1.8914% | 733 |
| Return on Equity (ROE) | 14.8043% | 871 |
| Retained earnings to average equity (ytd only) | 13.9380% | 166 |
| Net charge-offs to loans | 0.1104% | 1,643 |
| Credit loss provision to net charge-offs | 186.5672% | 1,526 |
| Earnings coverage of net charge-offs (x) | 27.8159% | 1,676 |
| Efficiency ratio | 58.5775% | 4,068 |
| Assets per employee ($millions) | 5.0037% | 2,499 |
| Cash dividends to net income (ytd only)* | 5.8514% | 3,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 3,071 |
| Loan loss allowance to noncurrent loans | 53.1169% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 1.4550% | 814 |
| Noncurrent loans to loans | 2.0798% | 641 |
| Net loans and leases to total assets | 65.5376% | 3,197 |
| Net loans and leases to deposits | 74.0073% | 3,499 |
| Net loans and leases to core deposits | 78.3214% | 3,553 |
| Total domestic deposits to total assets | 88.5556% | 1,046 |
| Equity capital to assets | 10.5465% | 3,135 |
| Core capital (leverage) ratio | 10.7709% | 2,764 |
| Tier 1 risk-based capital ratio | 15.3651% | 2,675 |
| Total risk-based capital ratio | 16.4272% | 2,683 |
| Memoranda: | ||
| Average total assets | $551,554,000 | 1,288 |
| Average earning assets | $507,040,400 | 1,296 |
| Average equity | $57,719,800 | 1,369 |
| Average total loans | $364,224,200 | 1,350 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9793% | 975 |
| Cost of funding earning assets | 0.5601% | 2,787 |
| Net interest margin | 4.4192% | 867 |
| Noninterest income to average assets | 0.8116% | 1,432 |
| Noninterest expense to average assets | 2.8145% | 2,591 |
| Loan and lease loss provision to assets | 0.1792% | 1,012 |
| Net operating income to assets | 1.5113% | 1,167 |
| Return on assets (ROA) | 1.5113% | 1,164 |
| Pretax return on assets | 1.8796% | 848 |
| Return on Equity (ROE) | 14.4722% | 992 |
| Retained earnings to average equity (ytd only) | 14.4722% | 205 |
| Net charge-offs to loans | 0.1090% | 1,396 |
| Credit loss provision to net charge-offs | 249.1468% | 1,185 |
| Earnings coverage of net charge-offs (x) | 28.6209% | 1,656 |
| Efficiency ratio | 57.7531% | 4,160 |
| Assets per employee ($millions) | 4.9819% | 2,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 2,827 |
| Loan loss allowance to noncurrent loans | 55.1424% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 1.4632% | 891 |
| Noncurrent loans to loans | 2.1103% | 677 |
| Net loans and leases to total assets | 64.8605% | 3,321 |
| Net loans and leases to deposits | 73.6166% | 3,628 |
| Net loans and leases to core deposits | 77.7332% | 3,680 |
| Total domestic deposits to total assets | 88.1058% | 1,197 |
| Equity capital to assets | 10.4250% | 3,212 |
| Core capital (leverage) ratio | 10.9360% | 2,638 |
| Tier 1 risk-based capital ratio | 15.4358% | 2,677 |
| Total risk-based capital ratio | 16.5593% | 2,660 |
| Memoranda: | ||
| Average total assets | $543,085,250 | 1,306 |
| Average earning assets | $499,145,750 | 1,314 |
| Average equity | $56,714,250 | 1,388 |
| Average total loans | $358,289,750 | 1,369 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9590% | 899 |
| Cost of funding earning assets | 0.5385% | 2,700 |
| Net interest margin | 4.4205% | 811 |
| Noninterest income to average assets | 0.8152% | 1,432 |
| Noninterest expense to average assets | 2.8728% | 2,429 |
| Loan and lease loss provision to assets | 0.1313% | 1,511 |
| Net operating income to assets | 1.5039% | 1,153 |
| Return on assets (ROA) | 1.5039% | 1,149 |
| Pretax return on assets | 1.8697% | 837 |
| Return on Equity (ROE) | 14.3924% | 988 |
| Retained earnings to average equity (ytd only) | 14.3924% | 245 |
| Net charge-offs to loans | 0.0976% | 1,377 |
| Credit loss provision to net charge-offs | 203.4884% | 1,290 |
| Earnings coverage of net charge-offs (x) | 31.0116% | 1,467 |
| Efficiency ratio | 58.9440% | 4,095 |
| Assets per employee ($millions) | 4.5552% | 3,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 3,103 |
| Loan loss allowance to noncurrent loans | 92.6385% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 0.9180% | 1,640 |
| Noncurrent loans to loans | 1.2188% | 1,422 |
| Net loans and leases to total assets | 66.4772% | 3,072 |
| Net loans and leases to deposits | 75.4838% | 3,393 |
| Net loans and leases to core deposits | 78.8525% | 3,507 |
| Total domestic deposits to total assets | 88.0682% | 1,341 |
| Equity capital to assets | 10.6288% | 2,997 |
| Core capital (leverage) ratio | 10.7777% | 2,727 |
| Tier 1 risk-based capital ratio | 15.4746% | 2,647 |
| Total risk-based capital ratio | 16.5731% | 2,651 |
| Memoranda: | ||
| Average total assets | $533,140,670 | 1,333 |
| Average earning assets | $489,491,330 | 1,341 |
| Average equity | $55,710,000 | 1,406 |
| Average total loans | $352,395,330 | 1,386 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8356% | 1,002 |
| Cost of funding earning assets | 0.5133% | 2,698 |
| Net interest margin | 4.3223% | 916 |
| Noninterest income to average assets | 0.8028% | 1,446 |
| Noninterest expense to average assets | 2.7586% | 2,848 |
| Loan and lease loss provision to assets | 0.1438% | 1,309 |
| Net operating income to assets | 1.5072% | 1,065 |
| Return on assets (ROA) | 1.5072% | 1,063 |
| Pretax return on assets | 1.8756% | 771 |
| Return on Equity (ROE) | 14.5514% | 889 |
| Retained earnings to average equity (ytd only) | 14.5514% | 359 |
| Net charge-offs to loans | 0.1016% | 1,179 |
| Credit loss provision to net charge-offs | 215.9091% | 994 |
| Earnings coverage of net charge-offs (x) | 30.3295% | 1,231 |
| Efficiency ratio | 57.7356% | 4,383 |
| Assets per employee ($millions) | 4.5379% | 3,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 3,026 |
| Loan loss allowance to noncurrent loans | 108.4273% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 0.8024% | 1,974 |
| Noncurrent loans to loans | 1.0718% | 1,709 |
| Net loans and leases to total assets | 64.7155% | 3,212 |
| Net loans and leases to deposits | 73.2820% | 3,485 |
| Net loans and leases to core deposits | 76.7092% | 3,605 |
| Total domestic deposits to total assets | 88.3103% | 1,456 |
| Equity capital to assets | 10.4775% | 3,100 |
| Core capital (leverage) ratio | 10.7613% | 2,673 |
| Tier 1 risk-based capital ratio | 15.6162% | 2,623 |
| Total risk-based capital ratio | 16.7438% | 2,602 |
| Memoranda: | ||
| Average total assets | $528,679,000 | 1,353 |
| Average earning assets | $486,224,000 | 1,366 |
| Average equity | $54,757,500 | 1,432 |
| Average total loans | $346,361,000 | 1,419 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8824% | 831 |
| Cost of funding earning assets | 0.3554% | 3,657 |
| Net interest margin | 4.5270% | 578 |
| Noninterest income to average assets | 0.8757% | 1,342 |
| Noninterest expense to average assets | 3.0853% | 1,898 |
| Loan and lease loss provision to assets | 0.2079% | 965 |
| Net operating income to assets | 1.0387% | 2,096 |
| Return on assets (ROA) | 1.0387% | 2,129 |
| Pretax return on assets | 1.7136% | 972 |
| Return on Equity (ROE) | 9.7072% | 2,011 |
| Retained earnings to average equity (ytd only) | 7.6364% | 884 |
| Net charge-offs to loans | 0.1502% | 1,596 |
| Credit loss provision to net charge-offs | 210.7216% | 1,292 |
| Earnings coverage of net charge-offs (x) | 19.4722% | 2,021 |
| Efficiency ratio | 61.6222% | 3,998 |
| Assets per employee ($millions) | 4.4993% | 3,183 |
| Cash dividends to net income (ytd only)* | 21.3320% | 3,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 3,109 |
| Loan loss allowance to noncurrent loans | 52.8520% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 1.5769% | 846 |
| Noncurrent loans to loans | 2.1592% | 687 |
| Net loans and leases to total assets | 64.8047% | 3,256 |
| Net loans and leases to deposits | 72.9557% | 3,603 |
| Net loans and leases to core deposits | 76.2583% | 3,721 |
| Total domestic deposits to total assets | 88.8274% | 1,073 |
| Equity capital to assets | 10.2363% | 3,452 |
| Core capital (leverage) ratio | 10.4747% | 2,865 |
| Tier 1 risk-based capital ratio | 14.8747% | 2,900 |
| Total risk-based capital ratio | 15.9598% | 2,916 |
| Memoranda: | ||
| Average total assets | $491,493,800 | 1,425 |
| Average earning assets | $448,505,000 | 1,440 |
| Average equity | $52,590,000 | 1,463 |
| Average total loans | $322,927,800 | 1,470 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8659% | 813 |
| Cost of funding earning assets | 0.3104% | 4,023 |
| Net interest margin | 4.5555% | 532 |
| Noninterest income to average assets | 0.8725% | 1,361 |
| Noninterest expense to average assets | 3.0460% | 1,972 |
| Loan and lease loss provision to assets | 0.2386% | 746 |
| Net operating income to assets | 1.2053% | 1,670 |
| Return on assets (ROA) | 1.2053% | 1,705 |
| Pretax return on assets | 1.7427% | 1,019 |
| Return on Equity (ROE) | 11.1325% | 1,640 |
| Retained earnings to average equity (ytd only) | 11.1325% | 398 |
| Net charge-offs to loans | 0.1390% | 1,412 |
| Credit loss provision to net charge-offs | 261.0272% | 1,097 |
| Earnings coverage of net charge-offs (x) | 21.6738% | 1,902 |
| Efficiency ratio | 60.5889% | 4,120 |
| Assets per employee ($millions) | 4.2937% | 3,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 3,159 |
| Loan loss allowance to noncurrent loans | 58.9894% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 1.4313% | 1,079 |
| Noncurrent loans to loans | 1.9629% | 873 |
| Net loans and leases to total assets | 65.7239% | 3,144 |
| Net loans and leases to deposits | 74.7567% | 3,496 |
| Net loans and leases to core deposits | 78.5726% | 3,584 |
| Total domestic deposits to total assets | 87.9170% | 1,413 |
| Equity capital to assets | 10.6634% | 3,200 |
| Core capital (leverage) ratio | 11.0473% | 2,409 |
| Tier 1 risk-based capital ratio | 15.3137% | 2,787 |
| Total risk-based capital ratio | 16.4226% | 2,781 |
| Memoranda: | ||
| Average total assets | $482,761,750 | 1,460 |
| Average earning assets | $440,306,000 | 1,477 |
| Average equity | $52,266,000 | 1,482 |
| Average total loans | $317,388,750 | 1,499 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8759% | 740 |
| Cost of funding earning assets | 0.2626% | 4,439 |
| Net interest margin | 4.6133% | 470 |
| Noninterest income to average assets | 0.8737% | 1,351 |
| Noninterest expense to average assets | 3.1177% | 1,799 |
| Loan and lease loss provision to assets | 0.1927% | 967 |
| Net operating income to assets | 1.2181% | 1,540 |
| Return on assets (ROA) | 1.2181% | 1,578 |
| Pretax return on assets | 1.7572% | 927 |
| Return on Equity (ROE) | 11.1904% | 1,568 |
| Retained earnings to average equity (ytd only) | 11.1904% | 410 |
| Net charge-offs to loans | 0.1200% | 1,446 |
| Credit loss provision to net charge-offs | 245.1613% | 1,097 |
| Earnings coverage of net charge-offs (x) | 24.8118% | 1,629 |
| Efficiency ratio | 61.5224% | 4,079 |
| Assets per employee ($millions) | 4.1986% | 3,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1382% | 3,375 |
| Loan loss allowance to noncurrent loans | 60.7279% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 1.4255% | 1,102 |
| Noncurrent loans to loans | 1.8742% | 936 |
| Net loans and leases to total assets | 66.6192% | 3,016 |
| Net loans and leases to deposits | 76.0527% | 3,339 |
| Net loans and leases to core deposits | 79.2049% | 3,487 |
| Total domestic deposits to total assets | 87.5962% | 1,664 |
| Equity capital to assets | 11.0734% | 2,731 |
| Core capital (leverage) ratio | 11.2272% | 2,203 |
| Tier 1 risk-based capital ratio | 15.8828% | 2,551 |
| Total risk-based capital ratio | 16.9863% | 2,543 |
| Memoranda: | ||
| Average total assets | $473,365,330 | 1,490 |
| Average earning assets | $430,322,000 | 1,518 |
| Average equity | $51,526,330 | 1,502 |
| Average total loans | $309,934,670 | 1,527 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8325% | 703 |
| Cost of funding earning assets | 0.2251% | 4,751 |
| Net interest margin | 4.6074% | 437 |
| Noninterest income to average assets | 0.8141% | 1,504 |
| Noninterest expense to average assets | 3.0081% | 2,145 |
| Loan and lease loss provision to assets | 0.1937% | 860 |
| Net operating income to assets | 1.2551% | 1,364 |
| Return on assets (ROA) | 1.2551% | 1,395 |
| Pretax return on assets | 1.8040% | 793 |
| Return on Equity (ROE) | 11.6324% | 1,356 |
| Retained earnings to average equity (ytd only) | 11.6324% | 511 |
| Net charge-offs to loans | 0.1449% | 1,082 |
| Credit loss provision to net charge-offs | 207.2727% | 997 |
| Earnings coverage of net charge-offs (x) | 21.3727% | 1,447 |
| Efficiency ratio | 60.0917% | 4,445 |
| Assets per employee ($millions) | 4.2021% | 3,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1344% | 3,492 |
| Loan loss allowance to noncurrent loans | 114.3275% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 0.8419% | 2,194 |
| Noncurrent loans to loans | 0.9922% | 2,063 |
| Net loans and leases to total assets | 64.0231% | 3,274 |
| Net loans and leases to deposits | 72.7355% | 3,541 |
| Net loans and leases to core deposits | 74.1582% | 3,817 |
| Total domestic deposits to total assets | 88.0218% | 1,707 |
| Equity capital to assets | 10.7556% | 2,904 |
| Core capital (leverage) ratio | 11.1508% | 2,234 |
| Tier 1 risk-based capital ratio | 15.8435% | 2,610 |
| Total risk-based capital ratio | 16.9276% | 2,618 |
| Memoranda: | ||
| Average total assets | $470,730,500 | 1,501 |
| Average earning assets | $428,268,000 | 1,534 |
| Average equity | $50,789,000 | 1,523 |
| Average total loans | $303,635,000 | 1,565 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6932% | 1,072 |
| Cost of funding earning assets | 0.2130% | 4,901 |
| Net interest margin | 4.4802% | 651 |
| Noninterest income to average assets | 0.8626% | 1,527 |
| Noninterest expense to average assets | 3.1254% | 1,966 |
| Loan and lease loss provision to assets | 0.2006% | 1,153 |
| Net operating income to assets | 1.1378% | 1,737 |
| Return on assets (ROA) | 1.1378% | 1,832 |
| Pretax return on assets | 1.6253% | 1,204 |
| Return on Equity (ROE) | 10.7239% | 1,684 |
| Retained earnings to average equity (ytd only) | 9.6153% | 475 |
| Net charge-offs to loans | 0.3716% | 731 |
| Credit loss provision to net charge-offs | 88.3946% | 2,833 |
| Earnings coverage of net charge-offs (x) | 8.0474% | 2,934 |
| Efficiency ratio | 63.1227% | 4,086 |
| Assets per employee ($millions) | 4.0564% | 3,858 |
| Cash dividends to net income (ytd only)* | 10.3375% | 4,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 3,462 |
| Loan loss allowance to noncurrent loans | 91.6218% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 1.0296% | 1,840 |
| Noncurrent loans to loans | 1.2496% | 1,641 |
| Net loans and leases to total assets | 63.5036% | 3,419 |
| Net loans and leases to deposits | 71.9610% | 3,714 |
| Net loans and leases to core deposits | 73.3471% | 3,976 |
| Total domestic deposits to total assets | 88.2472% | 1,512 |
| Equity capital to assets | 10.8244% | 2,788 |
| Core capital (leverage) ratio | 11.0276% | 2,312 |
| Tier 1 risk-based capital ratio | 15.9659% | 2,561 |
| Total risk-based capital ratio | 17.0530% | 2,555 |
| Memoranda: | ||
| Average total assets | $455,719,600 | 1,495 |
| Average earning assets | $415,897,000 | 1,512 |
| Average equity | $48,349,800 | 1,569 |
| Average total loans | $278,245,600 | 1,626 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6412% | 1,206 |
| Cost of funding earning assets | 0.2155% | 4,918 |
| Net interest margin | 4.4256% | 740 |
| Noninterest income to average assets | 0.8619% | 1,541 |
| Noninterest expense to average assets | 3.0513% | 2,157 |
| Loan and lease loss provision to assets | 0.1330% | 1,762 |
| Net operating income to assets | 1.1996% | 1,649 |
| Return on assets (ROA) | 1.1996% | 1,736 |
| Pretax return on assets | 1.7234% | 1,053 |
| Return on Equity (ROE) | 11.3651% | 1,532 |
| Retained earnings to average equity (ytd only) | 11.3651% | 378 |
| Net charge-offs to loans | 0.3529% | 641 |
| Credit loss provision to net charge-offs | 62.5691% | 2,879 |
| Earnings coverage of net charge-offs (x) | 8.7320% | 2,738 |
| Efficiency ratio | 62.1732% | 4,199 |
| Assets per employee ($millions) | 3.8339% | 4,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 3,621 |
| Loan loss allowance to noncurrent loans | 80.7052% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 1.0923% | 1,870 |
| Noncurrent loans to loans | 1.4117% | 1,549 |
| Net loans and leases to total assets | 63.4117% | 3,472 |
| Net loans and leases to deposits | 72.6052% | 3,742 |
| Net loans and leases to core deposits | 74.0841% | 3,995 |
| Total domestic deposits to total assets | 87.3377% | 1,741 |
| Equity capital to assets | 11.2307% | 2,763 |
| Core capital (leverage) ratio | 11.0492% | 2,397 |
| Tier 1 risk-based capital ratio | 16.4139% | 2,453 |
| Total risk-based capital ratio | 17.4970% | 2,484 |
| Memoranda: | ||
| Average total assets | $454,043,000 | 1,499 |
| Average earning assets | $415,087,750 | 1,519 |
| Average equity | $47,923,500 | 1,587 |
| Average total loans | $273,542,500 | 1,656 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5431% | 1,401 |
| Cost of funding earning assets | 0.2180% | 4,960 |
| Net interest margin | 4.3251% | 874 |
| Noninterest income to average assets | 0.8492% | 1,550 |
| Noninterest expense to average assets | 2.9330% | 2,574 |
| Loan and lease loss provision to assets | 0.1286% | 1,776 |
| Net operating income to assets | 1.2263% | 1,514 |
| Return on assets (ROA) | 1.2263% | 1,610 |
| Pretax return on assets | 1.7535% | 975 |
| Return on Equity (ROE) | 11.8648% | 1,368 |
| Retained earnings to average equity (ytd only) | 11.8648% | 345 |
| Net charge-offs to loans | 0.4933% | 443 |
| Credit loss provision to net charge-offs | 44.2105% | 2,728 |
| Earnings coverage of net charge-offs (x) | 6.4692% | 2,736 |
| Efficiency ratio | 60.9122% | 4,524 |
| Assets per employee ($millions) | 4.0034% | 3,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 3,688 |
| Loan loss allowance to noncurrent loans | 74.6445% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 1.1506% | 1,840 |
| Noncurrent loans to loans | 1.5341% | 1,410 |
| Net loans and leases to total assets | 60.6463% | 3,794 |
| Net loans and leases to deposits | 69.0139% | 4,084 |
| Net loans and leases to core deposits | 70.8531% | 4,263 |
| Total domestic deposits to total assets | 87.8755% | 1,492 |
| Equity capital to assets | 10.8713% | 3,201 |
| Core capital (leverage) ratio | 10.7622% | 2,686 |
| Tier 1 risk-based capital ratio | 16.5411% | 2,407 |
| Total risk-based capital ratio | 17.6284% | 2,415 |
| Memoranda: | ||
| Average total assets | $457,144,670 | 1,501 |
| Average earning assets | $419,182,000 | 1,506 |
| Average equity | $47,249,000 | 1,601 |
| Average total loans | $269,634,670 | 1,675 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4702% | 1,592 |
| Cost of funding earning assets | 0.2269% | 4,932 |
| Net interest margin | 4.2433% | 1,010 |
| Noninterest income to average assets | 0.8260% | 1,538 |
| Noninterest expense to average assets | 2.8410% | 2,917 |
| Loan and lease loss provision to assets | 0.1274% | 1,667 |
| Net operating income to assets | 1.2368% | 1,434 |
| Return on assets (ROA) | 1.2368% | 1,539 |
| Pretax return on assets | 1.7628% | 917 |
| Return on Equity (ROE) | 12.2750% | 1,224 |
| Retained earnings to average equity (ytd only) | 12.2750% | 465 |
| Net charge-offs to loans | 0.7973% | 258 |
| Credit loss provision to net charge-offs | 27.6316% | 2,242 |
| Earnings coverage of net charge-offs (x) | 4.0996% | 2,467 |
| Efficiency ratio | 60.0476% | 4,740 |
| Assets per employee ($millions) | 4.1289% | 3,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1702% | 3,661 |
| Loan loss allowance to noncurrent loans | 55.7412% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 1.3803% | 1,518 |
| Noncurrent loans to loans | 2.0994% | 1,000 |
| Net loans and leases to total assets | 57.2733% | 4,120 |
| Net loans and leases to deposits | 64.5822% | 4,385 |
| Net loans and leases to core deposits | 66.0999% | 4,530 |
| Total domestic deposits to total assets | 88.6827% | 1,251 |
| Equity capital to assets | 10.2259% | 3,821 |
| Core capital (leverage) ratio | 10.2078% | 3,304 |
| Tier 1 risk-based capital ratio | 16.3074% | 2,555 |
| Total risk-based capital ratio | 17.4046% | 2,559 |
| Memoranda: | ||
| Average total assets | $461,526,000 | 1,487 |
| Average earning assets | $424,765,000 | 1,496 |
| Average equity | $46,501,000 | 1,619 |
| Average total loans | $266,913,500 | 1,685 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3106% | 2,194 |
| Cost of funding earning assets | 0.2468% | 4,815 |
| Net interest margin | 4.0638% | 1,507 |
| Noninterest income to average assets | 0.8686% | 1,536 |
| Noninterest expense to average assets | 2.9908% | 2,580 |
| Loan and lease loss provision to assets | 0.2199% | 933 |
| Net operating income to assets | 0.9495% | 2,614 |
| Return on assets (ROA) | 0.9495% | 2,694 |
| Pretax return on assets | 1.3433% | 2,114 |
| Return on Equity (ROE) | 9.5360% | 2,203 |
| Retained earnings to average equity (ytd only) | 3.8758% | 3,279 |
| Net charge-offs to loans | 0.1437% | 1,914 |
| Credit loss provision to net charge-offs | 282.4859% | 1,033 |
| Earnings coverage of net charge-offs (x) | 20.0819% | 1,901 |
| Efficiency ratio | 65.6736% | 3,957 |
| Assets per employee ($millions) | 4.1153% | 3,728 |
| Cash dividends to net income (ytd only)* | 59.3562% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 3,726 |
| Loan loss allowance to noncurrent loans | 52.5856% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 1.3465% | 1,563 |
| Noncurrent loans to loans | 2.1968% | 903 |
| Net loans and leases to total assets | 57.0103% | 4,198 |
| Net loans and leases to deposits | 63.9128% | 4,472 |
| Net loans and leases to core deposits | 65.4768% | 4,633 |
| Total domestic deposits to total assets | 89.2002% | 1,022 |
| Equity capital to assets | 9.9825% | 3,980 |
| Core capital (leverage) ratio | 9.9781% | 3,540 |
| Tier 1 risk-based capital ratio | 16.0507% | 2,664 |
| Total risk-based capital ratio | 17.1332% | 2,678 |
| Memoranda: | ||
| Average total assets | $454,768,600 | 1,474 |
| Average earning assets | $412,423,400 | 1,495 |
| Average equity | $45,281,200 | 1,631 |
| Average total loans | $246,267,200 | 1,749 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2788% | 2,307 |
| Cost of funding earning assets | 0.2555% | 4,817 |
| Net interest margin | 4.0234% | 1,628 |
| Noninterest income to average assets | 0.8687% | 1,552 |
| Noninterest expense to average assets | 2.9173% | 2,794 |
| Loan and lease loss provision to assets | 0.0985% | 2,209 |
| Net operating income to assets | 1.0437% | 2,254 |
| Return on assets (ROA) | 1.0437% | 2,343 |
| Pretax return on assets | 1.4853% | 1,722 |
| Return on Equity (ROE) | 10.4893% | 1,904 |
| Retained earnings to average equity (ytd only) | 4.3459% | 3,379 |
| Net charge-offs to loans | 0.1088% | 2,039 |
| Credit loss provision to net charge-offs | 170.0508% | 1,531 |
| Earnings coverage of net charge-offs (x) | 27.3300% | 1,589 |
| Efficiency ratio | 64.8128% | 4,100 |
| Assets per employee ($millions) | 4.0575% | 3,788 |
| Cash dividends to net income (ytd only)* | 58.5682% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 4,743 |
| Loan loss allowance to noncurrent loans | 46.5915% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 1.2911% | 1,813 |
| Noncurrent loans to loans | 2.1479% | 1,038 |
| Net loans and leases to total assets | 56.2953% | 4,320 |
| Net loans and leases to deposits | 63.5748% | 4,594 |
| Net loans and leases to core deposits | 65.1384% | 4,750 |
| Total domestic deposits to total assets | 88.5497% | 1,273 |
| Equity capital to assets | 10.2002% | 3,934 |
| Core capital (leverage) ratio | 9.9931% | 3,637 |
| Tier 1 risk-based capital ratio | 16.5430% | 2,550 |
| Total risk-based capital ratio | 17.4813% | 2,658 |
| Memoranda: | ||
| Average total assets | $453,232,000 | 1,486 |
| Average earning assets | $409,198,750 | 1,515 |
| Average equity | $45,098,750 | 1,647 |
| Average total loans | $241,374,000 | 1,794 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2208% | 2,474 |
| Cost of funding earning assets | 0.2631% | 4,799 |
| Net interest margin | 3.9577% | 1,783 |
| Noninterest income to average assets | 0.8420% | 1,628 |
| Noninterest expense to average assets | 2.8544% | 3,050 |
| Loan and lease loss provision to assets | 0.0925% | 2,273 |
| Net operating income to assets | 1.0260% | 2,258 |
| Return on assets (ROA) | 1.0260% | 2,374 |
| Pretax return on assets | 1.4589% | 1,770 |
| Return on Equity (ROE) | 10.3975% | 1,895 |
| Retained earnings to average equity (ytd only) | 1.1245% | 5,118 |
| Net charge-offs to loans | 0.0524% | 2,669 |
| Credit loss provision to net charge-offs | 338.7097% | 855 |
| Earnings coverage of net charge-offs (x) | 56.8226% | 870 |
| Efficiency ratio | 64.7876% | 4,228 |
| Assets per employee ($millions) | 4.0839% | 3,715 |
| Cash dividends to net income (ytd only)* | 89.1845% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0526% | 4,594 |
| Loan loss allowance to noncurrent loans | 61.2327% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 1.0618% | 2,384 |
| Noncurrent loans to loans | 1.7191% | 1,497 |
| Net loans and leases to total assets | 53.8391% | 4,573 |
| Net loans and leases to deposits | 60.5158% | 4,809 |
| Net loans and leases to core deposits | 62.6778% | 4,893 |
| Total domestic deposits to total assets | 88.9671% | 1,161 |
| Equity capital to assets | 9.9355% | 4,108 |
| Core capital (leverage) ratio | 9.7844% | 3,883 |
| Tier 1 risk-based capital ratio | 15.8879% | 2,911 |
| Total risk-based capital ratio | 16.8164% | 3,011 |
| Memoranda: | ||
| Average total assets | $454,182,000 | 1,496 |
| Average earning assets | $408,976,330 | 1,523 |
| Average equity | $44,818,330 | 1,665 |
| Average total loans | $236,463,000 | 1,830 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1733% | 2,561 |
| Cost of funding earning assets | 0.2709% | 4,776 |
| Net interest margin | 3.9024% | 1,887 |
| Noninterest income to average assets | 0.8207% | 1,628 |
| Noninterest expense to average assets | 2.9265% | 2,813 |
| Loan and lease loss provision to assets | 0.0920% | 2,162 |
| Net operating income to assets | 0.9171% | 2,668 |
| Return on assets (ROA) | 0.9171% | 2,786 |
| Pretax return on assets | 1.2981% | 2,297 |
| Return on Equity (ROE) | 9.3251% | 2,300 |
| Retained earnings to average equity (ytd only) | 9.0935% | 1,166 |
| Net charge-offs to loans | 0.0103% | 2,986 |
| Credit loss provision to net charge-offs | 1,750.0000% | 224 |
| Earnings coverage of net charge-offs (x) | 264.5000% | 218 |
| Efficiency ratio | 67.7963% | 3,857 |
| Assets per employee ($millions) | 4.3133% | 3,347 |
| Cash dividends to net income (ytd only)* | 2.4833% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0747% | 4,637 |
| Loan loss allowance to noncurrent loans | 54.4670% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 1.1050% | 2,425 |
| Noncurrent loans to loans | 1.9732% | 1,327 |
| Net loans and leases to total assets | 49.4158% | 4,905 |
| Net loans and leases to deposits | 55.3221% | 5,096 |
| Net loans and leases to core deposits | 57.1336% | 5,179 |
| Total domestic deposits to total assets | 89.3238% | 1,082 |
| Equity capital to assets | 9.6710% | 4,550 |
| Core capital (leverage) ratio | 9.9829% | 3,622 |
| Tier 1 risk-based capital ratio | 16.1602% | 2,841 |
| Total risk-based capital ratio | 17.0804% | 2,937 |
| Memoranda: | ||
| Average total assets | $456,658,500 | 1,490 |
| Average earning assets | $409,079,000 | 1,529 |
| Average equity | $44,911,000 | 1,665 |
| Average total loans | $232,477,500 | 1,857 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4926% | 1,898 |
| Cost of funding earning assets | 0.2836% | 4,972 |
| Net interest margin | 4.2090% | 1,272 |
| Noninterest income to average assets | 0.8900% | 1,538 |
| Noninterest expense to average assets | 3.0788% | 2,595 |
| Loan and lease loss provision to assets | 0.1008% | 2,475 |
| Net operating income to assets | 1.0385% | 2,219 |
| Return on assets (ROA) | 1.0385% | 2,298 |
| Pretax return on assets | 1.4639% | 1,677 |
| Return on Equity (ROE) | 10.0122% | 2,116 |
| Retained earnings to average equity (ytd only) | 8.3885% | 876 |
| Net charge-offs to loans | 0.3806% | 1,126 |
| Credit loss provision to net charge-offs | 49.4033% | 3,496 |
| Earnings coverage of net charge-offs (x) | 7.6718% | 2,993 |
| Efficiency ratio | 66.3033% | 4,197 |
| Assets per employee ($millions) | 4.0288% | 3,887 |
| Cash dividends to net income (ytd only)* | 16.2175% | 3,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0539% | 4,796 |
| Loan loss allowance to noncurrent loans | 60.7465% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 1.0202% | 2,701 |
| Noncurrent loans to loans | 1.7349% | 1,670 |
| Net loans and leases to total assets | 51.3751% | 4,844 |
| Net loans and leases to deposits | 57.5792% | 5,093 |
| Net loans and leases to core deposits | 59.4908% | 5,176 |
| Total domestic deposits to total assets | 89.2251% | 1,104 |
| Equity capital to assets | 10.0083% | 4,108 |
| Core capital (leverage) ratio | 10.2776% | 3,197 |
| Tier 1 risk-based capital ratio | 17.4333% | 2,340 |
| Total risk-based capital ratio | 18.4000% | 2,409 |
| Memoranda: | ||
| Average total assets | $410,876,800 | 1,613 |
| Average earning assets | $366,404,200 | 1,640 |
| Average equity | $42,617,800 | 1,687 |
| Average total loans | $220,177,600 | 1,900 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5141% | 1,819 |
| Cost of funding earning assets | 0.2921% | 4,966 |
| Net interest margin | 4.2219% | 1,220 |
| Noninterest income to average assets | 0.8702% | 1,624 |
| Noninterest expense to average assets | 3.1273% | 2,391 |
| Loan and lease loss provision to assets | 0.0775% | 2,793 |
| Net operating income to assets | 1.0268% | 2,337 |
| Return on assets (ROA) | 1.0268% | 2,396 |
| Pretax return on assets | 1.4448% | 1,827 |
| Return on Equity (ROE) | 9.8045% | 2,304 |
| Retained earnings to average equity (ytd only) | 9.3146% | 891 |
| Net charge-offs to loans | 0.4103% | 964 |
| Credit loss provision to net charge-offs | 34.9254% | 3,376 |
| Earnings coverage of net charge-offs (x) | 6.8642% | 3,012 |
| Efficiency ratio | 67.2599% | 3,996 |
| Assets per employee ($millions) | 3.8488% | 4,194 |
| Cash dividends to net income (ytd only)* | 4.9967% | 3,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0804% | 4,838 |
| Loan loss allowance to noncurrent loans | 64.7185% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 1.2491% | 2,460 |
| Noncurrent loans to loans | 1.6694% | 1,953 |
| Net loans and leases to total assets | 53.1720% | 4,674 |
| Net loans and leases to deposits | 60.2429% | 4,917 |
| Net loans and leases to core deposits | 62.4720% | 5,004 |
| Total domestic deposits to total assets | 88.2626% | 1,626 |
| Equity capital to assets | 10.4871% | 3,582 |
| Core capital (leverage) ratio | 10.3309% | 3,246 |
| Tier 1 risk-based capital ratio | 17.9099% | 2,237 |
| Total risk-based capital ratio | 18.9105% | 2,292 |
| Memoranda: | ||
| Average total assets | $402,803,500 | 1,651 |
| Average earning assets | $360,583,500 | 1,683 |
| Average equity | $42,183,750 | 1,712 |
| Average total loans | $217,696,000 | 1,933 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5009% | 1,831 |
| Cost of funding earning assets | 0.2944% | 5,022 |
| Net interest margin | 4.2065% | 1,229 |
| Noninterest income to average assets | 0.8592% | 1,625 |
| Noninterest expense to average assets | 3.1030% | 2,483 |
| Loan and lease loss provision to assets | 0.0798% | 2,697 |
| Net operating income to assets | 1.0338% | 2,188 |
| Return on assets (ROA) | 1.0338% | 2,253 |
| Pretax return on assets | 1.4549% | 1,696 |
| Return on Equity (ROE) | 9.8767% | 2,210 |
| Retained earnings to average equity (ytd only) | 9.6226% | 812 |
| Net charge-offs to loans | 0.5506% | 740 |
| Credit loss provision to net charge-offs | 26.7677% | 3,097 |
| Earnings coverage of net charge-offs (x) | 5.1481% | 2,980 |
| Efficiency ratio | 66.9083% | 4,215 |
| Assets per employee ($millions) | 3.7783% | 4,295 |
| Cash dividends to net income (ytd only)* | 2.5728% | 3,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 4,842 |
| Loan loss allowance to noncurrent loans | 62.7502% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 1.2957% | 2,525 |
| Noncurrent loans to loans | 1.7755% | 1,940 |
| Net loans and leases to total assets | 52.5068% | 4,692 |
| Net loans and leases to deposits | 59.3501% | 4,920 |
| Net loans and leases to core deposits | 61.5287% | 5,008 |
| Total domestic deposits to total assets | 88.4695% | 1,654 |
| Equity capital to assets | 10.4667% | 3,479 |
| Core capital (leverage) ratio | 10.4633% | 2,986 |
| Tier 1 risk-based capital ratio | 17.8978% | 2,276 |
| Total risk-based capital ratio | 18.9194% | 2,332 |
| Memoranda: | ||
| Average total assets | $398,514,000 | 1,664 |
| Average earning assets | $357,972,330 | 1,690 |
| Average equity | $41,714,330 | 1,721 |
| Average total loans | $215,783,000 | 1,932 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5001% | 1,812 |
| Cost of funding earning assets | 0.2997% | 5,069 |
| Net interest margin | 4.2004% | 1,219 |
| Noninterest income to average assets | 0.8716% | 1,480 |
| Noninterest expense to average assets | 3.2194% | 2,160 |
| Loan and lease loss provision to assets | 0.0853% | 2,483 |
| Net operating income to assets | 0.9570% | 2,376 |
| Return on assets (ROA) | 0.9570% | 2,449 |
| Pretax return on assets | 1.3400% | 1,955 |
| Return on Equity (ROE) | 9.1420% | 2,395 |
| Retained earnings to average equity (ytd only) | 8.8896% | 1,283 |
| Net charge-offs to loans | 0.1746% | 1,669 |
| Credit loss provision to net charge-offs | 89.3617% | 1,805 |
| Earnings coverage of net charge-offs (x) | 14.9255% | 1,576 |
| Efficiency ratio | 69.3132% | 3,945 |
| Assets per employee ($millions) | 3.7881% | 4,352 |
| Cash dividends to net income (ytd only)* | 2.7601% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3227% | 3,995 |
| Loan loss allowance to noncurrent loans | 61.2778% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 1.3483% | 2,619 |
| Noncurrent loans to loans | 2.1585% | 1,693 |
| Net loans and leases to total assets | 53.2506% | 4,519 |
| Net loans and leases to deposits | 60.1565% | 4,744 |
| Net loans and leases to core deposits | 62.3327% | 4,841 |
| Total domestic deposits to total assets | 88.5201% | 1,924 |
| Equity capital to assets | 10.4569% | 3,287 |
| Core capital (leverage) ratio | 10.5123% | 2,912 |
| Tier 1 risk-based capital ratio | 17.6655% | 2,428 |
| Total risk-based capital ratio | 18.8829% | 2,403 |
| Memoranda: | ||
| Average total assets | $393,743,000 | 1,694 |
| Average earning assets | $353,678,000 | 1,712 |
| Average equity | $41,216,500 | 1,734 |
| Average total loans | $215,339,000 | 1,931 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5357% | 2,074 |
| Cost of funding earning assets | 0.3528% | 5,104 |
| Net interest margin | 4.1829% | 1,409 |
| Noninterest income to average assets | 0.8940% | 1,699 |
| Noninterest expense to average assets | 3.0362% | 2,941 |
| Loan and lease loss provision to assets | 0.1806% | 2,040 |
| Net operating income to assets | 1.0061% | 2,301 |
| Return on assets (ROA) | 1.0061% | 2,362 |
| Pretax return on assets | 1.4102% | 1,749 |
| Return on Equity (ROE) | 10.2309% | 2,022 |
| Retained earnings to average equity (ytd only) | 8.8576% | 803 |
| Net charge-offs to loans | 0.3623% | 1,866 |
| Credit loss provision to net charge-offs | 93.4023% | 2,665 |
| Earnings coverage of net charge-offs (x) | 8.2290% | 2,702 |
| Efficiency ratio | 65.6199% | 4,631 |
| Assets per employee ($millions) | 3.6768% | 4,537 |
| Cash dividends to net income (ytd only)* | 13.4228% | 3,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3188% | 4,050 |
| Loan loss allowance to noncurrent loans | 55.1384% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 1.4807% | 2,511 |
| Noncurrent loans to loans | 2.3917% | 1,600 |
| Net loans and leases to total assets | 54.7001% | 4,499 |
| Net loans and leases to deposits | 61.6159% | 4,763 |
| Net loans and leases to core deposits | 63.9315% | 4,874 |
| Total domestic deposits to total assets | 88.7759% | 1,764 |
| Equity capital to assets | 10.4790% | 3,190 |
| Core capital (leverage) ratio | 10.4273% | 2,991 |
| Tier 1 risk-based capital ratio | 16.9083% | 2,652 |
| Total risk-based capital ratio | 18.1042% | 2,641 |
| Memoranda: | ||
| Average total assets | $399,872,200 | 1,648 |
| Average earning assets | $356,860,800 | 1,687 |
| Average equity | $39,322,200 | 1,778 |
| Average total loans | $213,339,000 | 1,905 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5339% | 2,106 |
| Cost of funding earning assets | 0.3675% | 5,124 |
| Net interest margin | 4.1665% | 1,435 |
| Noninterest income to average assets | 0.8910% | 1,788 |
| Noninterest expense to average assets | 3.0463% | 2,832 |
| Loan and lease loss provision to assets | 0.2343% | 1,544 |
| Net operating income to assets | 0.9506% | 2,591 |
| Return on assets (ROA) | 0.9506% | 2,693 |
| Pretax return on assets | 1.3260% | 2,229 |
| Return on Equity (ROE) | 9.8228% | 2,254 |
| Retained earnings to average equity (ytd only) | 9.5489% | 893 |
| Net charge-offs to loans | 0.3461% | 1,816 |
| Credit loss provision to net charge-offs | 128.0797% | 1,841 |
| Earnings coverage of net charge-offs (x) | 8.5308% | 2,613 |
| Efficiency ratio | 66.1296% | 4,456 |
| Assets per employee ($millions) | 3.6413% | 4,577 |
| Cash dividends to net income (ytd only)* | 2.7883% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4170% | 3,826 |
| Loan loss allowance to noncurrent loans | 73.9351% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 1.4444% | 2,785 |
| Noncurrent loans to loans | 1.9166% | 2,340 |
| Net loans and leases to total assets | 55.0632% | 4,448 |
| Net loans and leases to deposits | 62.2438% | 4,724 |
| Net loans and leases to core deposits | 64.5192% | 4,846 |
| Total domestic deposits to total assets | 88.4637% | 1,857 |
| Equity capital to assets | 10.3937% | 3,397 |
| Core capital (leverage) ratio | 10.1383% | 3,477 |
| Tier 1 risk-based capital ratio | 16.6671% | 2,873 |
| Total risk-based capital ratio | 17.9175% | 2,832 |
| Memoranda: | ||
| Average total assets | $402,405,250 | 1,650 |
| Average earning assets | $358,857,750 | 1,684 |
| Average equity | $38,942,500 | 1,806 |
| Average total loans | $212,664,500 | 1,913 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4693% | 2,309 |
| Cost of funding earning assets | 0.3873% | 5,057 |
| Net interest margin | 4.0820% | 1,592 |
| Noninterest income to average assets | 0.8924% | 1,836 |
| Noninterest expense to average assets | 2.9376% | 3,210 |
| Loan and lease loss provision to assets | 0.2741% | 1,347 |
| Net operating income to assets | 0.9542% | 2,545 |
| Return on assets (ROA) | 0.9542% | 2,695 |
| Pretax return on assets | 1.3239% | 2,217 |
| Return on Equity (ROE) | 10.0958% | 2,161 |
| Retained earnings to average equity (ytd only) | 9.8208% | 888 |
| Net charge-offs to loans | 0.4053% | 1,598 |
| Credit loss provision to net charge-offs | 130.3030% | 1,739 |
| Earnings coverage of net charge-offs (x) | 7.5967% | 2,527 |
| Efficiency ratio | 64.7676% | 4,743 |
| Assets per employee ($millions) | 3.8106% | 4,187 |
| Cash dividends to net income (ytd only)* | 2.7235% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4330% | 3,880 |
| Loan loss allowance to noncurrent loans | 90.0178% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 1.3457% | 3,082 |
| Noncurrent loans to loans | 1.5919% | 2,924 |
| Net loans and leases to total assets | 52.5899% | 4,788 |
| Net loans and leases to deposits | 58.9870% | 5,072 |
| Net loans and leases to core deposits | 61.3681% | 5,148 |
| Total domestic deposits to total assets | 89.1551% | 1,536 |
| Equity capital to assets | 9.9345% | 3,993 |
| Core capital (leverage) ratio | 9.5631% | 4,137 |
| Tier 1 risk-based capital ratio | 16.4265% | 2,971 |
| Total risk-based capital ratio | 17.6768% | 2,930 |
| Memoranda: | ||
| Average total assets | $407,879,670 | 1,631 |
| Average earning assets | $364,039,000 | 1,663 |
| Average equity | $38,550,670 | 1,818 |
| Average total loans | $211,689,670 | 1,923 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4021% | 2,516 |
| Cost of funding earning assets | 0.4081% | 5,028 |
| Net interest margin | 3.9940% | 1,814 |
| Noninterest income to average assets | 0.8761% | 1,843 |
| Noninterest expense to average assets | 2.9995% | 2,990 |
| Loan and lease loss provision to assets | 0.2669% | 1,326 |
| Net operating income to assets | 0.8780% | 2,763 |
| Return on assets (ROA) | 0.8780% | 2,911 |
| Pretax return on assets | 1.1778% | 2,655 |
| Return on Equity (ROE) | 9.5227% | 2,254 |
| Retained earnings to average equity (ytd only) | 9.2500% | 1,308 |
| Net charge-offs to loans | 0.4532% | 1,316 |
| Credit loss provision to net charge-offs | 115.0000% | 1,644 |
| Earnings coverage of net charge-offs (x) | 6.2250% | 2,252 |
| Efficiency ratio | 67.4935% | 4,413 |
| Assets per employee ($millions) | 4.0735% | 3,790 |
| Cash dividends to net income (ytd only)* | 2.8634% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3777% | 4,343 |
| Loan loss allowance to noncurrent loans | 71.7147% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 1.3998% | 3,173 |
| Noncurrent loans to loans | 1.9211% | 2,711 |
| Net loans and leases to total assets | 51.0842% | 4,829 |
| Net loans and leases to deposits | 56.9287% | 5,149 |
| Net loans and leases to core deposits | 58.9398% | 5,254 |
| Total domestic deposits to total assets | 89.7336% | 1,201 |
| Equity capital to assets | 9.3506% | 5,062 |
| Core capital (leverage) ratio | 8.9117% | 5,040 |
| Tier 1 risk-based capital ratio | 16.0692% | 3,226 |
| Total risk-based capital ratio | 17.3191% | 3,186 |
| Memoranda: | ||
| Average total assets | $413,666,500 | 1,622 |
| Average earning assets | $369,551,000 | 1,656 |
| Average equity | $38,140,500 | 1,860 |
| Average total loans | $211,811,000 | 1,931 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7304% | 2,473 |
| Cost of funding earning assets | 0.5726% | 4,615 |
| Net interest margin | 4.1578% | 1,784 |
| Noninterest income to average assets | 1.0639% | 1,369 |
| Noninterest expense to average assets | 2.8897% | 3,680 |
| Loan and lease loss provision to assets | 0.2168% | 2,963 |
| Net operating income to assets | 1.1671% | 1,704 |
| Return on assets (ROA) | 1.1671% | 1,866 |
| Pretax return on assets | 1.6602% | 1,238 |
| Return on Equity (ROE) | 13.2376% | 1,172 |
| Retained earnings to average equity (ytd only) | 11.8238% | 345 |
| Net charge-offs to loans | 0.4129% | 2,595 |
| Credit loss provision to net charge-offs | 101.5330% | 2,983 |
| Earnings coverage of net charge-offs (x) | 8.7901% | 2,352 |
| Efficiency ratio | 60.6233% | 5,443 |
| Assets per employee ($millions) | 4.1180% | 3,705 |
| Cash dividends to net income (ytd only)* | 10.6796% | 4,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3776% | 4,270 |
| Loan loss allowance to noncurrent loans | 76.7399% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 1.3027% | 3,475 |
| Noncurrent loans to loans | 1.7951% | 2,925 |
| Net loans and leases to total assets | 49.9180% | 5,176 |
| Net loans and leases to deposits | 55.2814% | 5,518 |
| Net loans and leases to core deposits | 57.3256% | 5,605 |
| Total domestic deposits to total assets | 90.2980% | 806 |
| Equity capital to assets | 9.0911% | 5,414 |
| Core capital (leverage) ratio | 9.2229% | 4,538 |
| Tier 1 risk-based capital ratio | 15.1259% | 3,655 |
| Total risk-based capital ratio | 16.3179% | 3,633 |
| Memoranda: | ||
| Average total assets | $397,130,400 | 1,647 |
| Average earning assets | $353,670,400 | 1,689 |
| Average equity | $35,014,000 | 1,974 |
| Average total loans | $205,357,600 | 1,964 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7916% | 2,420 |
| Cost of funding earning assets | 0.6080% | 4,564 |
| Net interest margin | 4.1836% | 1,782 |
| Noninterest income to average assets | 1.1134% | 1,216 |
| Noninterest expense to average assets | 2.9290% | 3,486 |
| Loan and lease loss provision to assets | 0.1954% | 3,133 |
| Net operating income to assets | 1.2000% | 1,739 |
| Return on assets (ROA) | 1.2000% | 1,912 |
| Pretax return on assets | 1.7083% | 1,248 |
| Return on Equity (ROE) | 13.7236% | 1,170 |
| Retained earnings to average equity (ytd only) | 13.6109% | 337 |
| Net charge-offs to loans | 0.4626% | 2,251 |
| Credit loss provision to net charge-offs | 81.2147% | 3,586 |
| Earnings coverage of net charge-offs (x) | 7.9138% | 2,531 |
| Efficiency ratio | 60.6088% | 5,393 |
| Assets per employee ($millions) | 3.8854% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.8212% | 3,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3378% | 4,639 |
| Loan loss allowance to noncurrent loans | 118.9119% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.9708% | 4,343 |
| Noncurrent loans to loans | 1.1251% | 4,176 |
| Net loans and leases to total assets | 52.2730% | 5,007 |
| Net loans and leases to deposits | 58.4176% | 5,386 |
| Net loans and leases to core deposits | 60.8486% | 5,471 |
| Total domestic deposits to total assets | 89.4816% | 1,141 |
| Equity capital to assets | 9.5726% | 5,106 |
| Core capital (leverage) ratio | 9.3231% | 4,543 |
| Tier 1 risk-based capital ratio | 15.1168% | 3,760 |
| Total risk-based capital ratio | 16.2680% | 3,786 |
| Memoranda: | ||
| Average total assets | $392,434,500 | 1,690 |
| Average earning assets | $348,877,500 | 1,726 |
| Average equity | $34,314,750 | 2,035 |
| Average total loans | $204,068,000 | 1,995 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7660% | 2,657 |
| Cost of funding earning assets | 0.6423% | 4,508 |
| Net interest margin | 4.1237% | 1,994 |
| Noninterest income to average assets | 0.9631% | 1,566 |
| Noninterest expense to average assets | 2.8314% | 3,903 |
| Loan and lease loss provision to assets | 0.2738% | 2,396 |
| Net operating income to assets | 1.0774% | 2,136 |
| Return on assets (ROA) | 1.0774% | 2,357 |
| Pretax return on assets | 1.5234% | 1,792 |
| Return on Equity (ROE) | 12.7176% | 1,440 |
| Retained earnings to average equity (ytd only) | 12.7176% | 473 |
| Net charge-offs to loans | 0.6134% | 1,787 |
| Credit loss provision to net charge-offs | 86.3782% | 3,149 |
| Earnings coverage of net charge-offs (x) | 5.6699% | 2,783 |
| Efficiency ratio | 61.1721% | 5,392 |
| Assets per employee ($millions) | 4.0219% | 3,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3711% | 4,568 |
| Loan loss allowance to noncurrent loans | 139.5418% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.6143% | 5,234 |
| Noncurrent loans to loans | 0.9826% | 4,544 |
| Net loans and leases to total assets | 50.6217% | 5,278 |
| Net loans and leases to deposits | 56.0965% | 5,636 |
| Net loans and leases to core deposits | 58.3465% | 5,747 |
| Total domestic deposits to total assets | 90.2404% | 799 |
| Equity capital to assets | 8.9758% | 5,721 |
| Core capital (leverage) ratio | 8.6777% | 5,407 |
| Tier 1 risk-based capital ratio | 14.5324% | 4,078 |
| Total risk-based capital ratio | 15.7032% | 4,099 |
| Memoranda: | ||
| Average total assets | $393,733,670 | 1,686 |
| Average earning assets | $349,976,000 | 1,721 |
| Average equity | $33,355,330 | 2,071 |
| Average total loans | $203,472,670 | 1,991 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8178% | 2,564 |
| Cost of funding earning assets | 0.6805% | 4,460 |
| Net interest margin | 4.1373% | 1,973 |
| Noninterest income to average assets | 0.9900% | 1,451 |
| Noninterest expense to average assets | 2.9005% | 3,622 |
| Loan and lease loss provision to assets | 0.4138% | 1,523 |
| Net operating income to assets | 0.9522% | 2,680 |
| Return on assets (ROA) | 0.9522% | 2,887 |
| Pretax return on assets | 1.3343% | 2,409 |
| Return on Equity (ROE) | 11.5908% | 1,811 |
| Retained earnings to average equity (ytd only) | 11.5908% | 908 |
| Net charge-offs to loans | 0.9890% | 1,052 |
| Credit loss provision to net charge-offs | 80.6773% | 2,712 |
| Earnings coverage of net charge-offs (x) | 3.4084% | 2,851 |
| Efficiency ratio | 62.3956% | 5,203 |
| Assets per employee ($millions) | 4.0667% | 3,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3876% | 4,666 |
| Loan loss allowance to noncurrent loans | 137.7098% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.6180% | 5,347 |
| Noncurrent loans to loans | 1.0076% | 4,660 |
| Net loans and leases to total assets | 49.7502% | 5,340 |
| Net loans and leases to deposits | 54.6432% | 5,740 |
| Net loans and leases to core deposits | 56.7946% | 5,836 |
| Total domestic deposits to total assets | 91.0455% | 535 |
| Equity capital to assets | 8.1578% | 6,404 |
| Core capital (leverage) ratio | 7.9778% | 6,276 |
| Tier 1 risk-based capital ratio | 13.3882% | 4,905 |
| Total risk-based capital ratio | 14.5714% | 4,951 |
| Memoranda: | ||
| Average total assets | $391,515,000 | 1,700 |
| Average earning assets | $346,213,000 | 1,747 |
| Average equity | $32,163,500 | 2,141 |
| Average total loans | $203,027,500 | 2,005 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9943% | 2,908 |
| Cost of funding earning assets | 0.8789% | 4,261 |
| Net interest margin | 4.1155% | 2,364 |
| Noninterest income to average assets | 1.0082% | 1,350 |
| Noninterest expense to average assets | 3.0500% | 3,390 |
| Loan and lease loss provision to assets | 0.2725% | 3,493 |
| Net operating income to assets | 0.9707% | 2,320 |
| Return on assets (ROA) | 0.9707% | 2,454 |
| Pretax return on assets | 1.3675% | 1,887 |
| Return on Equity (ROE) | 12.0516% | 1,392 |
| Retained earnings to average equity (ytd only) | 10.3931% | 492 |
| Net charge-offs to loans | 0.2860% | 3,984 |
| Credit loss provision to net charge-offs | 177.9720% | 1,476 |
| Earnings coverage of net charge-offs (x) | 10.7098% | 1,805 |
| Efficiency ratio | 65.0323% | 4,945 |
| Assets per employee ($millions) | 3.8837% | 4,118 |
| Cash dividends to net income (ytd only)* | 13.7617% | 3,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4084% | 4,416 |
| Loan loss allowance to noncurrent loans | 116.5052% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.8011% | 5,035 |
| Noncurrent loans to loans | 1.2088% | 4,356 |
| Net loans and leases to total assets | 52.5640% | 5,225 |
| Net loans and leases to deposits | 57.6725% | 5,732 |
| Net loans and leases to core deposits | 59.9621% | 5,852 |
| Total domestic deposits to total assets | 91.1423% | 444 |
| Equity capital to assets | 8.2746% | 6,373 |
| Core capital (leverage) ratio | 8.1594% | 6,059 |
| Tier 1 risk-based capital ratio | 13.0159% | 5,056 |
| Total risk-based capital ratio | 14.2425% | 5,051 |
| Memoranda: | ||
| Average total assets | $373,536,000 | 1,743 |
| Average earning assets | $334,179,400 | 1,775 |
| Average equity | $30,087,400 | 2,194 |
| Average total loans | $200,019,400 | 2,045 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9569% | 3,300 |
| Cost of funding earning assets | 0.9313% | 4,186 |
| Net interest margin | 4.0256% | 2,801 |
| Noninterest income to average assets | 1.0715% | 1,171 |
| Noninterest expense to average assets | 3.1150% | 3,102 |
| Loan and lease loss provision to assets | 0.3563% | 2,734 |
| Net operating income to assets | 0.8727% | 2,850 |
| Return on assets (ROA) | 0.8727% | 3,001 |
| Pretax return on assets | 1.2262% | 2,536 |
| Return on Equity (ROE) | 10.9117% | 1,893 |
| Retained earnings to average equity (ytd only) | 10.6015% | 704 |
| Net charge-offs to loans | 0.2730% | 3,730 |
| Credit loss provision to net charge-offs | 243.4889% | 1,175 |
| Earnings coverage of net charge-offs (x) | 10.8133% | 1,876 |
| Efficiency ratio | 66.3120% | 4,664 |
| Assets per employee ($millions) | 3.6983% | 4,544 |
| Cash dividends to net income (ytd only)* | 2.8431% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4793% | 4,208 |
| Loan loss allowance to noncurrent loans | 183.7789% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.6541% | 5,502 |
| Noncurrent loans to loans | 0.8050% | 5,261 |
| Net loans and leases to total assets | 55.0231% | 4,994 |
| Net loans and leases to deposits | 60.7514% | 5,547 |
| Net loans and leases to core deposits | 63.1810% | 5,700 |
| Total domestic deposits to total assets | 90.5709% | 598 |
| Equity capital to assets | 8.5335% | 6,267 |
| Core capital (leverage) ratio | 8.0223% | 6,374 |
| Tier 1 risk-based capital ratio | 13.0613% | 5,052 |
| Total risk-based capital ratio | 14.3121% | 5,022 |
| Memoranda: | ||
| Average total assets | $370,797,250 | 1,758 |
| Average earning assets | $333,991,000 | 1,785 |
| Average equity | $29,655,500 | 2,217 |
| Average total loans | $198,776,500 | 2,071 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8598% | 3,814 |
| Cost of funding earning assets | 0.9962% | 3,979 |
| Net interest margin | 3.8637% | 3,474 |
| Noninterest income to average assets | 1.0764% | 1,126 |
| Noninterest expense to average assets | 3.0847% | 3,309 |
| Loan and lease loss provision to assets | 0.3164% | 2,891 |
| Net operating income to assets | 0.8213% | 2,975 |
| Return on assets (ROA) | 0.8213% | 3,092 |
| Pretax return on assets | 1.1564% | 2,653 |
| Return on Equity (ROE) | 10.4992% | 1,948 |
| Retained earnings to average equity (ytd only) | 10.0254% | 834 |
| Net charge-offs to loans | 0.3606% | 3,113 |
| Credit loss provision to net charge-offs | 165.9155% | 1,832 |
| Earnings coverage of net charge-offs (x) | 7.7239% | 2,179 |
| Efficiency ratio | 67.6841% | 4,575 |
| Assets per employee ($millions) | 3.7536% | 4,310 |
| Cash dividends to net income (ytd only)* | 4.5128% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3472% | 4,846 |
| Loan loss allowance to noncurrent loans | 185.5062% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.5818% | 5,762 |
| Noncurrent loans to loans | 0.7262% | 5,460 |
| Net loans and leases to total assets | 52.7144% | 5,473 |
| Net loans and leases to deposits | 57.7946% | 5,961 |
| Net loans and leases to core deposits | 60.1062% | 6,080 |
| Total domestic deposits to total assets | 91.2099% | 424 |
| Equity capital to assets | 8.0576% | 6,633 |
| Core capital (leverage) ratio | 7.6138% | 6,657 |
| Tier 1 risk-based capital ratio | 12.9718% | 4,936 |
| Total risk-based capital ratio | 14.1697% | 4,959 |
| Memoranda: | ||
| Average total assets | $372,352,330 | 1,761 |
| Average earning assets | $335,483,670 | 1,782 |
| Average equity | $29,126,000 | 2,233 |
| Average total loans | $196,874,670 | 2,112 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8204% | 3,957 |
| Cost of funding earning assets | 1.0476% | 3,871 |
| Net interest margin | 3.7728% | 3,746 |
| Noninterest income to average assets | 0.9594% | 1,433 |
| Noninterest expense to average assets | 2.9673% | 3,782 |
| Loan and lease loss provision to assets | 0.2812% | 2,902 |
| Net operating income to assets | 0.7942% | 3,061 |
| Return on assets (ROA) | 0.7942% | 3,132 |
| Pretax return on assets | 1.1043% | 2,739 |
| Return on Equity (ROE) | 10.3073% | 1,992 |
| Retained earnings to average equity (ytd only) | 9.3462% | 1,279 |
| Net charge-offs to loans | 0.1816% | 3,402 |
| Credit loss provision to net charge-offs | 294.3820% | 1,091 |
| Earnings coverage of net charge-offs (x) | 14.5056% | 1,364 |
| Efficiency ratio | 68.1706% | 4,623 |
| Assets per employee ($millions) | 3.9458% | 3,954 |
| Cash dividends to net income (ytd only)* | 9.3243% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3318% | 4,983 |
| Loan loss allowance to noncurrent loans | 162.4612% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.6992% | 5,539 |
| Noncurrent loans to loans | 0.8197% | 5,397 |
| Net loans and leases to total assets | 50.5994% | 5,766 |
| Net loans and leases to deposits | 55.1860% | 6,199 |
| Net loans and leases to core deposits | 57.3650% | 6,316 |
| Total domestic deposits to total assets | 91.6887% | 372 |
| Equity capital to assets | 7.5967% | 6,817 |
| Core capital (leverage) ratio | 7.4718% | 6,747 |
| Tier 1 risk-based capital ratio | 12.8899% | 4,912 |
| Total risk-based capital ratio | 14.0856% | 4,928 |
| Memoranda: | ||
| Average total assets | $372,723,500 | 1,770 |
| Average earning assets | $335,242,000 | 1,789 |
| Average equity | $28,717,500 | 2,252 |
| Average total loans | $196,028,500 | 2,145 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1974% | 3,624 |
| Cost of funding earning assets | 1.1114% | 5,076 |
| Net interest margin | 4.0860% | 2,635 |
| Noninterest income to average assets | 0.9779% | 1,580 |
| Noninterest expense to average assets | 3.1332% | 3,335 |
| Loan and lease loss provision to assets | 0.5860% | 2,789 |
| Net operating income to assets | 0.6820% | 3,295 |
| Return on assets (ROA) | 0.6824% | 3,425 |
| Pretax return on assets | 0.9697% | 3,029 |
| Return on Equity (ROE) | 8.4490% | 2,518 |
| Retained earnings to average equity (ytd only) | 6.7405% | 1,433 |
| Net charge-offs to loans | 0.7554% | 2,753 |
| Credit loss provision to net charge-offs | 142.1424% | 2,634 |
| Earnings coverage of net charge-offs (x) | 3.7724% | 3,194 |
| Efficiency ratio | 66.8298% | 4,793 |
| Assets per employee ($millions) | 3.7010% | 4,459 |
| Cash dividends to net income (ytd only)* | 20.2214% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 5,288 |
| Loan loss allowance to noncurrent loans | 172.0226% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.6997% | 5,604 |
| Noncurrent loans to loans | 0.7248% | 5,600 |
| Net loans and leases to total assets | 53.3042% | 5,734 |
| Net loans and leases to deposits | 58.1607% | 6,239 |
| Net loans and leases to core deposits | 60.4939% | 6,356 |
| Total domestic deposits to total assets | 91.6499% | 356 |
| Equity capital to assets | 7.8188% | 6,661 |
| Core capital (leverage) ratio | 7.7704% | 6,474 |
| Tier 1 risk-based capital ratio | 12.6994% | 4,864 |
| Total risk-based capital ratio | 13.8264% | 4,944 |
| Memoranda: | ||
| Average total assets | $344,221,200 | 1,895 |
| Average earning assets | $312,581,800 | 1,900 |
| Average equity | $27,802,000 | 2,327 |
| Average total loans | $187,851,000 | 2,267 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2375% | 3,648 |
| Cost of funding earning assets | 1.1393% | 5,203 |
| Net interest margin | 4.0981% | 2,631 |
| Noninterest income to average assets | 0.9591% | 1,591 |
| Noninterest expense to average assets | 3.0788% | 3,427 |
| Loan and lease loss provision to assets | 0.5885% | 2,581 |
| Net operating income to assets | 0.7126% | 3,359 |
| Return on assets (ROA) | 0.7126% | 3,513 |
| Pretax return on assets | 1.0243% | 3,091 |
| Return on Equity (ROE) | 8.7480% | 2,581 |
| Retained earnings to average equity (ytd only) | 8.5552% | 1,219 |
| Net charge-offs to loans | 0.8493% | 2,325 |
| Credit loss provision to net charge-offs | 126.6047% | 3,224 |
| Earnings coverage of net charge-offs (x) | 3.4696% | 3,435 |
| Efficiency ratio | 65.6234% | 4,942 |
| Assets per employee ($millions) | 3.4739% | 5,047 |
| Cash dividends to net income (ytd only)* | 2.2038% | 3,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1195% | 5,856 |
| Loan loss allowance to noncurrent loans | 137.8033% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.7631% | 5,575 |
| Noncurrent loans to loans | 0.8124% | 5,592 |
| Net loans and leases to total assets | 55.9884% | 5,549 |
| Net loans and leases to deposits | 61.6776% | 6,151 |
| Net loans and leases to core deposits | 64.1615% | 6,293 |
| Total domestic deposits to total assets | 90.7759% | 525 |
| Equity capital to assets | 8.4105% | 6,380 |
| Core capital (leverage) ratio | 7.9391% | 6,425 |
| Tier 1 risk-based capital ratio | 13.0009% | 4,578 |
| Total risk-based capital ratio | 14.0245% | 4,728 |
| Memoranda: | ||
| Average total assets | $339,601,250 | 1,953 |
| Average earning assets | $309,303,000 | 1,954 |
| Average equity | $27,662,750 | 2,367 |
| Average total loans | $185,869,750 | 2,320 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1919% | 4,001 |
| Cost of funding earning assets | 1.1706% | 5,284 |
| Net interest margin | 4.0213% | 2,917 |
| Noninterest income to average assets | 0.9254% | 1,599 |
| Noninterest expense to average assets | 3.0596% | 3,473 |
| Loan and lease loss provision to assets | 0.3925% | 3,363 |
| Net operating income to assets | 0.7963% | 2,995 |
| Return on assets (ROA) | 0.7963% | 3,136 |
| Pretax return on assets | 1.1399% | 2,629 |
| Return on Equity (ROE) | 9.8832% | 2,143 |
| Retained earnings to average equity (ytd only) | 9.5906% | 944 |
| Net charge-offs to loans | 0.2430% | 4,141 |
| Credit loss provision to net charge-offs | 298.6547% | 1,242 |
| Earnings coverage of net charge-offs (x) | 11.6592% | 1,749 |
| Efficiency ratio | 66.6282% | 4,859 |
| Assets per employee ($millions) | 3.4967% | 4,937 |
| Cash dividends to net income (ytd only)* | 2.9608% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 5,386 |
| Loan loss allowance to noncurrent loans | 78.6648% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 0.8842% | 5,353 |
| Noncurrent loans to loans | 1.5418% | 4,397 |
| Net loans and leases to total assets | 54.3380% | 5,949 |
| Net loans and leases to deposits | 59.6053% | 6,450 |
| Net loans and leases to core deposits | 62.2679% | 6,531 |
| Total domestic deposits to total assets | 91.1630% | 425 |
| Equity capital to assets | 8.1693% | 6,578 |
| Core capital (leverage) ratio | 7.7671% | 6,539 |
| Tier 1 risk-based capital ratio | 12.9755% | 4,470 |
| Total risk-based capital ratio | 14.0764% | 4,544 |
| Memoranda: | ||
| Average total assets | $339,320,330 | 1,964 |
| Average earning assets | $309,406,000 | 1,966 |
| Average equity | $27,339,330 | 2,385 |
| Average total loans | $183,570,670 | 2,381 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2136% | 3,950 |
| Cost of funding earning assets | 1.2065% | 5,369 |
| Net interest margin | 4.0071% | 2,846 |
| Noninterest income to average assets | 0.9264% | 1,526 |
| Noninterest expense to average assets | 2.9333% | 3,939 |
| Loan and lease loss provision to assets | 0.3945% | 3,003 |
| Net operating income to assets | 0.8696% | 2,673 |
| Return on assets (ROA) | 0.8696% | 2,757 |
| Pretax return on assets | 1.2498% | 2,204 |
| Return on Equity (ROE) | 10.8692% | 1,820 |
| Retained earnings to average equity (ytd only) | 10.8692% | 950 |
| Net charge-offs to loans | 0.1723% | 3,892 |
| Credit loss provision to net charge-offs | 426.9231% | 977 |
| Earnings coverage of net charge-offs (x) | 17.7949% | 1,263 |
| Efficiency ratio | 64.0787% | 5,480 |
| Assets per employee ($millions) | 3.5396% | 4,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 5,806 |
| Loan loss allowance to noncurrent loans | 79.7415% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.8092% | 5,541 |
| Noncurrent loans to loans | 1.4343% | 4,586 |
| Net loans and leases to total assets | 52.2759% | 6,243 |
| Net loans and leases to deposits | 57.1855% | 6,684 |
| Net loans and leases to core deposits | 59.4347% | 6,786 |
| Total domestic deposits to total assets | 91.4146% | 397 |
| Equity capital to assets | 7.8820% | 6,777 |
| Core capital (leverage) ratio | 7.6743% | 6,656 |
| Tier 1 risk-based capital ratio | 12.8425% | 4,443 |
| Total risk-based capital ratio | 13.8644% | 4,593 |
| Memoranda: | ||
| Average total assets | $337,644,500 | 2,028 |
| Average earning assets | $307,657,500 | 2,033 |
| Average equity | $27,012,000 | 2,435 |
| Average total loans | $181,112,500 | 2,476 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8583% | 2,412 |
| Cost of funding earning assets | 1.3832% | 6,005 |
| Net interest margin | 4.4751% | 1,225 |
| Noninterest income to average assets | 0.9782% | 1,642 |
| Noninterest expense to average assets | 3.3974% | 2,692 |
| Loan and lease loss provision to assets | 0.4347% | 4,220 |
| Net operating income to assets | 0.8413% | 2,381 |
| Return on assets (ROA) | 0.8413% | 2,465 |
| Pretax return on assets | 1.2059% | 1,935 |
| Return on Equity (ROE) | 9.7622% | 1,755 |
| Retained earnings to average equity (ytd only) | 7.8160% | 747 |
| Net charge-offs to loans | 0.5177% | 3,708 |
| Credit loss provision to net charge-offs | 150.0000% | 3,093 |
| Earnings coverage of net charge-offs (x) | 5.6609% | 2,533 |
| Efficiency ratio | 67.4346% | 5,109 |
| Assets per employee ($millions) | 3.3511% | 5,372 |
| Cash dividends to net income (ytd only)* | 19.9362% | 3,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0308% | 6,214 |
| Loan loss allowance to noncurrent loans | 62.7939% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 0.9175% | 5,259 |
| Noncurrent loans to loans | 1.6416% | 4,185 |
| Net loans and leases to total assets | 53.8808% | 6,214 |
| Net loans and leases to deposits | 58.9729% | 6,706 |
| Net loans and leases to core deposits | 68.6260% | 6,843 |
| Total domestic deposits to total assets | 91.3654% | 412 |
| Equity capital to assets | 8.1249% | 6,434 |
| Core capital (leverage) ratio | 7.9777% | 6,228 |
| Tier 1 risk-based capital ratio | 12.7679% | 4,309 |
| Total risk-based capital ratio | 13.6859% | 4,526 |
| Memoranda: | ||
| Average total assets | $298,109,400 | 2,225 |
| Average earning assets | $270,455,000 | 2,235 |
| Average equity | $25,691,000 | 2,548 |
| Average total loans | $166,891,600 | 2,666 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0057% | 2,012 |
| Cost of funding earning assets | 1.4402% | 6,078 |
| Net interest margin | 4.5655% | 1,049 |
| Noninterest income to average assets | 0.9729% | 1,699 |
| Noninterest expense to average assets | 3.3831% | 2,629 |
| Loan and lease loss provision to assets | 0.3731% | 4,089 |
| Net operating income to assets | 0.9426% | 2,260 |
| Return on assets (ROA) | 0.9426% | 2,326 |
| Pretax return on assets | 1.3510% | 1,823 |
| Return on Equity (ROE) | 10.7637% | 1,687 |
| Retained earnings to average equity (ytd only) | 10.4230% | 554 |
| Net charge-offs to loans | 0.5718% | 2,964 |
| Credit loss provision to net charge-offs | 115.6472% | 4,390 |
| Earnings coverage of net charge-offs (x) | 5.3442% | 2,852 |
| Efficiency ratio | 66.2414% | 5,323 |
| Assets per employee ($millions) | 3.1206% | 5,855 |
| Cash dividends to net income (ytd only)* | 3.1644% | 3,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8833% | 6,833 |
| Loan loss allowance to noncurrent loans | 45.8824% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 1.1540% | 4,770 |
| Noncurrent loans to loans | 1.9251% | 3,737 |
| Net loans and leases to total assets | 57.5742% | 5,957 |
| Net loans and leases to deposits | 63.9190% | 6,493 |
| Net loans and leases to core deposits | 75.1614% | 6,658 |
| Total domestic deposits to total assets | 90.0737% | 740 |
| Equity capital to assets | 9.0183% | 5,456 |
| Core capital (leverage) ratio | 8.5730% | 5,342 |
| Tier 1 risk-based capital ratio | 13.4617% | 3,881 |
| Total risk-based capital ratio | 14.2611% | 4,116 |
| Memoranda: | ||
| Average total assets | $290,534,250 | 2,299 |
| Average earning assets | $263,098,000 | 2,309 |
| Average equity | $25,443,000 | 2,591 |
| Average total loans | $163,916,250 | 2,727 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9929% | 2,213 |
| Cost of funding earning assets | 1.5185% | 6,063 |
| Net interest margin | 4.4744% | 1,228 |
| Noninterest income to average assets | 0.9364% | 1,811 |
| Noninterest expense to average assets | 3.3262% | 2,865 |
| Loan and lease loss provision to assets | 0.3847% | 3,614 |
| Net operating income to assets | 0.8899% | 2,493 |
| Return on assets (ROA) | 0.8899% | 2,608 |
| Pretax return on assets | 1.2815% | 2,077 |
| Return on Equity (ROE) | 10.2669% | 1,924 |
| Retained earnings to average equity (ytd only) | 10.2669% | 675 |
| Net charge-offs to loans | 0.6751% | 2,350 |
| Credit loss provision to net charge-offs | 102.0221% | 4,486 |
| Earnings coverage of net charge-offs (x) | 4.4191% | 3,101 |
| Efficiency ratio | 66.6250% | 5,432 |
| Assets per employee ($millions) | 3.1077% | 5,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8625% | 6,931 |
| Loan loss allowance to noncurrent loans | 62.9761% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 0.7963% | 5,401 |
| Noncurrent loans to loans | 1.3695% | 4,474 |
| Net loans and leases to total assets | 55.3656% | 6,287 |
| Net loans and leases to deposits | 61.1875% | 6,802 |
| Net loans and leases to core deposits | 71.2271% | 6,953 |
| Total domestic deposits to total assets | 90.4851% | 638 |
| Equity capital to assets | 8.7636% | 5,658 |
| Core capital (leverage) ratio | 8.3873% | 5,649 |
| Tier 1 risk-based capital ratio | 13.4479% | 3,846 |
| Total risk-based capital ratio | 14.2155% | 4,089 |
| Memoranda: | ||
| Average total assets | $288,561,000 | 2,333 |
| Average earning assets | $261,577,330 | 2,338 |
| Average equity | $25,012,330 | 2,640 |
| Average total loans | $161,154,330 | 2,795 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0170% | 2,290 |
| Cost of funding earning assets | 1.5905% | 6,073 |
| Net interest margin | 4.4265% | 1,280 |
| Noninterest income to average assets | 0.9102% | 1,812 |
| Noninterest expense to average assets | 3.1274% | 3,277 |
| Loan and lease loss provision to assets | 0.4249% | 2,799 |
| Net operating income to assets | 0.9424% | 2,537 |
| Return on assets (ROA) | 0.9424% | 2,670 |
| Pretax return on assets | 1.3701% | 2,054 |
| Return on Equity (ROE) | 10.9348% | 1,984 |
| Retained earnings to average equity (ytd only) | 10.9348% | 984 |
| Net charge-offs to loans | 1.2782% | 1,099 |
| Credit loss provision to net charge-offs | 59.5285% | 4,525 |
| Earnings coverage of net charge-offs (x) | 2.5147% | 3,490 |
| Efficiency ratio | 63.5328% | 5,775 |
| Assets per employee ($millions) | 3.1246% | 5,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7466% | 7,318 |
| Loan loss allowance to noncurrent loans | 58.2689% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 0.7184% | 5,364 |
| Noncurrent loans to loans | 1.2813% | 4,416 |
| Net loans and leases to total assets | 54.5402% | 6,406 |
| Net loans and leases to deposits | 60.1098% | 6,888 |
| Net loans and leases to core deposits | 69.4481% | 7,055 |
| Total domestic deposits to total assets | 90.7343% | 500 |
| Equity capital to assets | 8.5554% | 5,984 |
| Core capital (leverage) ratio | 8.5180% | 5,493 |
| Tier 1 risk-based capital ratio | 13.3108% | 3,988 |
| Total risk-based capital ratio | 13.9709% | 4,293 |
| Memoranda: | ||
| Average total assets | $285,225,500 | 2,360 |
| Average earning assets | $258,533,000 | 2,379 |
| Average equity | $24,582,000 | 2,698 |
| Average total loans | $159,292,000 | 2,860 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8101% | 1,644 |
| Cost of funding earning assets | 2.0375% | 6,290 |
| Net interest margin | 4.7726% | 828 |
| Noninterest income to average assets | 1.0464% | 1,438 |
| Noninterest expense to average assets | 3.4290% | 2,586 |
| Loan and lease loss provision to assets | 0.2524% | 4,395 |
| Net operating income to assets | 1.1421% | 1,977 |
| Return on assets (ROA) | 1.1421% | 1,897 |
| Pretax return on assets | 1.6810% | 1,188 |
| Return on Equity (ROE) | 12.9254% | 1,346 |
| Retained earnings to average equity (ytd only) | 10.9949% | 327 |
| Net charge-offs to loans | 0.3120% | 3,306 |
| Credit loss provision to net charge-offs | 143.3921% | 3,687 |
| Earnings coverage of net charge-offs (x) | 10.9846% | 2,435 |
| Efficiency ratio | 63.9459% | 5,574 |
| Assets per employee ($millions) | 2.9441% | 6,186 |
| Cash dividends to net income (ytd only)* | 14.9355% | 4,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8976% | 6,688 |
| Loan loss allowance to noncurrent loans | 63.1885% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 0.8221% | 4,793 |
| Noncurrent loans to loans | 1.4206% | 3,676 |
| Net loans and leases to total assets | 56.2901% | 6,398 |
| Net loans and leases to deposits | 62.0026% | 6,942 |
| Net loans and leases to core deposits | 71.2299% | 7,120 |
| Total domestic deposits to total assets | 90.7868% | 392 |
| Equity capital to assets | 8.6853% | 5,827 |
| Core capital (leverage) ratio | 8.7120% | 5,176 |
| Tier 1 risk-based capital ratio | 13.3355% | 3,906 |
| Total risk-based capital ratio | 14.1319% | 4,101 |
| Memoranda: | ||
| Average total assets | $257,944,000 | 2,481 |
| Average earning assets | $233,270,400 | 2,525 |
| Average equity | $22,792,400 | 2,874 |
| Average total loans | $145,500,600 | 3,000 |