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 | 4.3772% | 3,317 |
| Cost of funding earning assets | 2.1179% | 746 |
| Net interest margin | 2.2593% | 4,280 |
| Noninterest income to average assets | 0.7300% | 1,109 |
| Noninterest expense to average assets | 2.2704% | 2,921 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4819% | 3,704 |
| Return on assets (ROA) | 0.2791% | 4,059 |
| Pretax return on assets | 0.3142% | 4,079 |
| Return on Equity (ROE) | 8.1200% | 2,988 |
| Retained earnings to average equity (ytd only) | 2.0481% | 3,571 |
| Net charge-offs to loans | 0.0016% | 2,766 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 672.0000% | 212 |
| Efficiency ratio | 75.4786% | 1,297 |
| Assets per employee ($millions) | 7.1475% | 1,976 |
| Cash dividends to net income (ytd only)* | 74.7832% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8662% | 3,815 |
| Loan loss allowance to noncurrent loans | 2,614.9425% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 3,571 |
| Noncurrent loans to loans | 0.0331% | 3,497 |
| Net loans and leases to total assets | 49.9000% | 3,600 |
| Net loans and leases to deposits | 56.5471% | 3,681 |
| Net loans and leases to core deposits | 64.0760% | 3,586 |
| Total domestic deposits to total assets | 88.2500% | 1,271 |
| Equity capital to assets | 4.2310% | 4,486 |
| Core capital (leverage) ratio | 10.6724% | 2,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $495,901,000 | 1,736 |
| Average earning assets | $457,443,000 | 1,738 |
| Average equity | $17,040,200 | 3,091 |
| Average total loans | $245,464,200 | 2,027 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2774% | 3,328 |
| Cost of funding earning assets | 1.9979% | 708 |
| Net interest margin | 2.2795% | 4,312 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 2.2635% | 2,909 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5451% | 3,673 |
| Return on assets (ROA) | 0.5451% | 3,658 |
| Pretax return on assets | 0.5734% | 3,783 |
| Return on Equity (ROE) | 16.9100% | 1,092 |
| Retained earnings to average equity (ytd only) | 8.1614% | 1,901 |
| Net charge-offs to loans | 0.0022% | 2,477 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 526.2500% | 295 |
| Efficiency ratio | 74.5439% | 1,317 |
| Assets per employee ($millions) | 6.8164% | 2,094 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9329% | 3,620 |
| Loan loss allowance to noncurrent loans | 4,644.8980% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 3,756 |
| Noncurrent loans to loans | 0.0201% | 3,621 |
| Net loans and leases to total assets | 49.2400% | 3,671 |
| Net loans and leases to deposits | 52.9103% | 3,843 |
| Net loans and leases to core deposits | 59.7200% | 3,718 |
| Total domestic deposits to total assets | 93.0700% | 285 |
| Equity capital to assets | 2.2705% | 4,534 |
| Core capital (leverage) ratio | 10.9150% | 2,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $489,434,000 | 1,748 |
| Average earning assets | $452,602,250 | 1,751 |
| Average equity | $15,781,250 | 3,195 |
| Average total loans | $241,167,500 | 2,055 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1668% | 3,363 |
| Cost of funding earning assets | 1.8696% | 651 |
| Net interest margin | 2.2972% | 4,367 |
| Noninterest income to average assets | 0.7500% | 976 |
| Noninterest expense to average assets | 2.2217% | 3,011 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6413% | 3,485 |
| Return on assets (ROA) | 0.6413% | 3,494 |
| Pretax return on assets | 0.6548% | 3,692 |
| Return on Equity (ROE) | 18.1000% | 943 |
| Retained earnings to average equity (ytd only) | 9.2109% | 1,625 |
| Net charge-offs to loans | 0.0075% | 1,948 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 177.8889% | 668 |
| Efficiency ratio | 72.1456% | 1,538 |
| Assets per employee ($millions) | 7.0437% | 1,892 |
| Cash dividends to net income (ytd only)* | 49.1071% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9475% | 3,633 |
| Loan loss allowance to noncurrent loans | 4,452.9412% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 3,746 |
| Noncurrent loans to loans | 0.0213% | 3,608 |
| Net loans and leases to total assets | 48.1500% | 3,675 |
| Net loans and leases to deposits | 52.4811% | 3,818 |
| Net loans and leases to core deposits | 58.7936% | 3,685 |
| Total domestic deposits to total assets | 91.7500% | 465 |
| Equity capital to assets | 3.6736% | 4,531 |
| Core capital (leverage) ratio | 10.9345% | 1,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $488,985,000 | 1,751 |
| Average earning assets | $452,818,000 | 1,749 |
| Average equity | $17,327,333 | 3,078 |
| Average total loans | $240,236,667 | 2,047 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0368% | 3,380 |
| Cost of funding earning assets | 1.7028% | 571 |
| Net interest margin | 2.3340% | 4,428 |
| Noninterest income to average assets | 0.7600% | 945 |
| Noninterest expense to average assets | 2.1760% | 3,166 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7442% | 3,359 |
| Return on assets (ROA) | 0.7442% | 3,316 |
| Pretax return on assets | 0.7442% | 3,574 |
| Return on Equity (ROE) | 21.4000% | 630 |
| Retained earnings to average equity (ytd only) | 21.4001% | 306 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.4796% | 1,804 |
| Assets per employee ($millions) | 6.8231% | 2,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9538% | 3,703 |
| Loan loss allowance to noncurrent loans | 8,414.8148% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 3,839 |
| Noncurrent loans to loans | 0.0113% | 3,738 |
| Net loans and leases to total assets | 48.7000% | 3,587 |
| Net loans and leases to deposits | 53.7832% | 3,700 |
| Net loans and leases to core deposits | 59.9444% | 3,541 |
| Total domestic deposits to total assets | 90.5600% | 958 |
| Equity capital to assets | 3.8931% | 4,549 |
| Core capital (leverage) ratio | 12.1855% | 1,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $486,947,000 | 1,772 |
| Average earning assets | $451,251,500 | 1,770 |
| Average equity | $16,934,500 | 3,133 |
| Average total loans | $240,517,500 | 2,066 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5989% | 2,806 |
| Cost of funding earning assets | 0.7071% | 569 |
| Net interest margin | 2.8918% | 3,701 |
| Noninterest income to average assets | 0.7100% | 1,267 |
| Noninterest expense to average assets | 2.0910% | 3,322 |
| Loan and lease loss provision to assets | -0.2900% | 4,660 |
| Net operating income to assets | 1.5123% | 856 |
| Return on assets (ROA) | 1.3674% | 1,177 |
| Pretax return on assets | 1.4339% | 1,679 |
| Return on Equity (ROE) | 27.8600% | 148 |
| Retained earnings to average equity (ytd only) | 19.5390% | 101 |
| Net charge-offs to loans | -0.0275% | 4,169 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.3531% | 3,422 |
| Assets per employee ($millions) | 6.8937% | 2,050 |
| Cash dividends to net income (ytd only)* | 29.8764% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9357% | 3,643 |
| Loan loss allowance to noncurrent loans | 2,084.4037% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 3,618 |
| Noncurrent loans to loans | 0.0449% | 3,434 |
| Net loans and leases to total assets | 49.1500% | 3,571 |
| Net loans and leases to deposits | 53.2905% | 3,721 |
| Net loans and leases to core deposits | 58.9771% | 3,556 |
| Total domestic deposits to total assets | 92.2200% | 581 |
| Equity capital to assets | 3.0665% | 4,604 |
| Core capital (leverage) ratio | 12.1746% | 1,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $485,165,600 | 1,760 |
| Average earning assets | $450,166,400 | 1,759 |
| Average equity | $23,808,800 | 2,650 |
| Average total loans | $225,380,600 | 2,079 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5208% | 2,546 |
| Cost of funding earning assets | 0.5817% | 480 |
| Net interest margin | 2.9391% | 3,382 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 2.1224% | 3,155 |
| Loan and lease loss provision to assets | -0.3200% | 4,711 |
| Net operating income to assets | 1.5687% | 708 |
| Return on assets (ROA) | 1.4460% | 942 |
| Pretax return on assets | 1.5154% | 1,374 |
| Return on Equity (ROE) | 26.9100% | 135 |
| Retained earnings to average equity (ytd only) | 16.7529% | 229 |
| Net charge-offs to loans | -0.0374% | 4,219 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.3428% | 3,461 |
| Assets per employee ($millions) | 6.9744% | 1,959 |
| Cash dividends to net income (ytd only)* | 37.7524% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 3,051 |
| Loan loss allowance to noncurrent loans | 7,803.1250% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 3,935 |
| Noncurrent loans to loans | 0.0140% | 3,832 |
| Net loans and leases to total assets | 47.6600% | 3,655 |
| Net loans and leases to deposits | 52.0573% | 3,725 |
| Net loans and leases to core deposits | 54.7732% | 3,702 |
| Total domestic deposits to total assets | 91.5400% | 1,032 |
| Equity capital to assets | 1.8393% | 4,664 |
| Core capital (leverage) ratio | 11.9021% | 1,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $484,094,000 | 1,772 |
| Average earning assets | $449,734,000 | 1,768 |
| Average equity | $26,008,750 | 2,572 |
| Average total loans | $221,020,000 | 2,102 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4584% | 2,265 |
| Cost of funding earning assets | 0.5280% | 443 |
| Net interest margin | 2.9304% | 3,086 |
| Noninterest income to average assets | 0.7465% | 1,182 |
| Noninterest expense to average assets | 2.0453% | 3,306 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3546% | 1,012 |
| Return on assets (ROA) | 1.3078% | 1,099 |
| Pretax return on assets | 1.3784% | 1,500 |
| Return on Equity (ROE) | 20.0625% | 300 |
| Retained earnings to average equity (ytd only) | 7.5856% | 1,776 |
| Net charge-offs to loans | -0.0577% | 4,291 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6615% | 3,900 |
| Assets per employee ($millions) | 7.1598% | 1,838 |
| Cash dividends to net income (ytd only)* | 62.1901% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6461% | 1,057 |
| Loan loss allowance to noncurrent loans | 10,202.7778% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 3,964 |
| Noncurrent loans to loans | 0.0161% | 3,843 |
| Net loans and leases to total assets | 45.7476% | 3,727 |
| Net loans and leases to deposits | 48.2235% | 3,909 |
| Net loans and leases to core deposits | 50.3046% | 3,920 |
| Total domestic deposits to total assets | 94.8658% | 155 |
| Equity capital to assets | 1.6208% | 4,739 |
| Core capital (leverage) ratio | 11.0729% | 1,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $487,372,667 | 1,772 |
| Average earning assets | $453,451,000 | 1,775 |
| Average equity | $31,770,667 | 2,326 |
| Average total loans | $218,524,667 | 2,117 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3149% | 2,341 |
| Cost of funding earning assets | 0.5029% | 484 |
| Net interest margin | 2.8120% | 3,103 |
| Noninterest income to average assets | 0.7394% | 1,193 |
| Noninterest expense to average assets | 2.0635% | 3,265 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2243% | 1,186 |
| Return on assets (ROA) | 1.2296% | 1,153 |
| Pretax return on assets | 1.3045% | 1,496 |
| Return on Equity (ROE) | 13.7999% | 870 |
| Retained earnings to average equity (ytd only) | 13.7999% | 395 |
| Net charge-offs to loans | -0.1110% | 4,485 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0356% | 3,781 |
| Assets per employee ($millions) | 7.0966% | 1,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7033% | 1,049 |
| Loan loss allowance to noncurrent loans | 1,535.5649% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 3,548 |
| Noncurrent loans to loans | 0.1109% | 3,278 |
| Net loans and leases to total assets | 43.8875% | 3,747 |
| Net loans and leases to deposits | 48.7810% | 3,831 |
| Net loans and leases to core deposits | 51.2111% | 3,788 |
| Total domestic deposits to total assets | 89.9685% | 1,584 |
| Equity capital to assets | 5.7488% | 4,630 |
| Core capital (leverage) ratio | 10.9831% | 1,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $491,205,000 | 1,759 |
| Average earning assets | $458,178,000 | 1,760 |
| Average equity | $43,768,500 | 1,927 |
| Average total loans | $216,223,000 | 2,126 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8776% | 1,675 |
| Cost of funding earning assets | 0.6395% | 449 |
| Net interest margin | 3.2381% | 2,494 |
| Noninterest income to average assets | 0.9812% | 1,040 |
| Noninterest expense to average assets | 2.0587% | 3,507 |
| Loan and lease loss provision to assets | 0.0210% | 2,649 |
| Net operating income to assets | 1.8266% | 481 |
| Return on assets (ROA) | 2.0122% | 350 |
| Pretax return on assets | 2.1178% | 479 |
| Return on Equity (ROE) | 15.9261% | 774 |
| Retained earnings to average equity (ytd only) | 4.8003% | 2,864 |
| Net charge-offs to loans | 0.1292% | 709 |
| Credit loss provision to net charge-offs | 37.0370% | 2,208 |
| Earnings coverage of net charge-offs (x) | 34.2148% | 1,519 |
| Efficiency ratio | 47.6819% | 4,425 |
| Assets per employee ($millions) | 7.4603% | 1,643 |
| Cash dividends to net income (ytd only)* | 69.8589% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6637% | 1,127 |
| Loan loss allowance to noncurrent loans | 8,804.8780% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 4,078 |
| Noncurrent loans to loans | 0.0189% | 3,940 |
| Net loans and leases to total assets | 42.6893% | 3,934 |
| Net loans and leases to deposits | 50.7052% | 3,836 |
| Net loans and leases to core deposits | 53.8188% | 3,764 |
| Total domestic deposits to total assets | 84.1911% | 3,511 |
| Equity capital to assets | 11.9628% | 1,267 |
| Core capital (leverage) ratio | 10.5930% | 1,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $475,344,000 | 1,756 |
| Average earning assets | $443,469,200 | 1,754 |
| Average equity | $60,058,600 | 1,511 |
| Average total loans | $208,988,000 | 2,179 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9851% | 1,573 |
| Cost of funding earning assets | 0.6718% | 446 |
| Net interest margin | 3.3133% | 2,378 |
| Noninterest income to average assets | 1.0391% | 1,004 |
| Noninterest expense to average assets | 1.9578% | 3,795 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.0762% | 410 |
| Return on assets (ROA) | 2.3323% | 272 |
| Pretax return on assets | 2.4397% | 371 |
| Return on Equity (ROE) | 18.2018% | 603 |
| Retained earnings to average equity (ytd only) | 7.0186% | 2,413 |
| Net charge-offs to loans | -0.0006% | 3,096 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3963% | 4,420 |
| Assets per employee ($millions) | 7.2124% | 1,730 |
| Cash dividends to net income (ytd only)* | 61.4401% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8677% | 814 |
| Loan loss allowance to noncurrent loans | 603.0303% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.1298% | 3,248 |
| Noncurrent loans to loans | 0.3097% | 2,681 |
| Net loans and leases to total assets | 41.1105% | 4,140 |
| Net loans and leases to deposits | 49.0203% | 4,062 |
| Net loans and leases to core deposits | 51.8756% | 4,046 |
| Total domestic deposits to total assets | 83.8643% | 3,494 |
| Equity capital to assets | 12.1316% | 1,338 |
| Core capital (leverage) ratio | 10.7308% | 1,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $469,220,000 | 1,798 |
| Average earning assets | $437,815,500 | 1,795 |
| Average equity | $60,124,500 | 1,535 |
| Average total loans | $206,988,000 | 2,223 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2336% | 1,120 |
| Cost of funding earning assets | 0.7046% | 459 |
| Net interest margin | 3.5290% | 1,776 |
| Noninterest income to average assets | 0.8326% | 1,446 |
| Noninterest expense to average assets | 1.8362% | 4,104 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.1802% | 353 |
| Return on assets (ROA) | 2.3933% | 268 |
| Pretax return on assets | 2.5134% | 351 |
| Return on Equity (ROE) | 18.3391% | 613 |
| Retained earnings to average equity (ytd only) | 6.5254% | 2,614 |
| Net charge-offs to loans | -0.0010% | 3,084 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5105% | 4,588 |
| Assets per employee ($millions) | 7.1846% | 1,669 |
| Cash dividends to net income (ytd only)* | 64.4181% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8949% | 743 |
| Loan loss allowance to noncurrent loans | 366.7313% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.2142% | 2,870 |
| Noncurrent loans to loans | 0.5167% | 2,125 |
| Net loans and leases to total assets | 40.6661% | 4,264 |
| Net loans and leases to deposits | 48.0092% | 4,216 |
| Net loans and leases to core deposits | 51.3526% | 4,165 |
| Total domestic deposits to total assets | 84.7049% | 3,215 |
| Equity capital to assets | 12.7390% | 1,033 |
| Core capital (leverage) ratio | 10.6284% | 1,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $464,549,333 | 1,801 |
| Average earning assets | $433,434,333 | 1,803 |
| Average equity | $60,624,667 | 1,513 |
| Average total loans | $208,504,000 | 2,222 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5671% | 704 |
| Cost of funding earning assets | 0.7317% | 486 |
| Net interest margin | 3.8355% | 1,081 |
| Noninterest income to average assets | 0.8717% | 1,407 |
| Noninterest expense to average assets | 1.8161% | 4,184 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.6273% | 213 |
| Return on assets (ROA) | 2.8816% | 190 |
| Pretax return on assets | 2.8816% | 269 |
| Return on Equity (ROE) | 21.8064% | 408 |
| Retained earnings to average equity (ytd only) | 21.8064% | 218 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8723% | 4,721 |
| Assets per employee ($millions) | 6.9866% | 1,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7925% | 884 |
| Loan loss allowance to noncurrent loans | 6,750.0000% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 4,296 |
| Noncurrent loans to loans | 0.0266% | 4,158 |
| Net loans and leases to total assets | 44.9113% | 4,042 |
| Net loans and leases to deposits | 53.1905% | 3,990 |
| Net loans and leases to core deposits | 57.1011% | 3,902 |
| Total domestic deposits to total assets | 84.4347% | 3,304 |
| Equity capital to assets | 12.9766% | 918 |
| Core capital (leverage) ratio | 11.5866% | 1,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $456,138,500 | 1,822 |
| Average earning assets | $424,774,000 | 1,823 |
| Average equity | $60,276,000 | 1,513 |
| Average total loans | $212,988,000 | 2,199 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3141% | 1,831 |
| Cost of funding earning assets | 1.0222% | 546 |
| Net interest margin | 3.2919% | 3,087 |
| Noninterest income to average assets | 0.8783% | 1,318 |
| Noninterest expense to average assets | 1.9691% | 4,201 |
| Loan and lease loss provision to assets | 0.1384% | 2,628 |
| Net operating income to assets | 1.7447% | 445 |
| Return on assets (ROA) | 1.7599% | 458 |
| Pretax return on assets | 1.8521% | 609 |
| Return on Equity (ROE) | 13.1526% | 1,003 |
| Retained earnings to average equity (ytd only) | 4.5037% | 2,529 |
| Net charge-offs to loans | -0.0014% | 3,960 |
| Credit loss provision to net charge-offs | -20,000.0000% | 4,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9298% | 4,536 |
| Assets per employee ($millions) | 6.9409% | 1,622 |
| Cash dividends to net income (ytd only)* | 65.7577% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7573% | 936 |
| Loan loss allowance to noncurrent loans | 6,406.7797% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 4,347 |
| Noncurrent loans to loans | 0.0274% | 4,210 |
| Net loans and leases to total assets | 46.8398% | 4,070 |
| Net loans and leases to deposits | 56.3160% | 3,973 |
| Net loans and leases to core deposits | 61.0667% | 3,885 |
| Total domestic deposits to total assets | 83.1732% | 3,359 |
| Equity capital to assets | 13.4575% | 942 |
| Core capital (leverage) ratio | 10.9967% | 1,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $433,442,600 | 1,752 |
| Average earning assets | $403,627,800 | 1,757 |
| Average equity | $57,996,200 | 1,484 |
| Average total loans | $220,216,600 | 2,102 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4952% | 1,584 |
| Cost of funding earning assets | 1.0785% | 577 |
| Net interest margin | 3.4167% | 2,860 |
| Noninterest income to average assets | 0.8599% | 1,330 |
| Noninterest expense to average assets | 1.9415% | 4,268 |
| Loan and lease loss provision to assets | 0.1865% | 2,123 |
| Net operating income to assets | 1.8158% | 434 |
| Return on assets (ROA) | 1.8324% | 473 |
| Pretax return on assets | 1.9334% | 591 |
| Return on Equity (ROE) | 13.7153% | 934 |
| Retained earnings to average equity (ytd only) | 5.2549% | 2,450 |
| Net charge-offs to loans | 0.0108% | 2,719 |
| Credit loss provision to net charge-offs | 3,333.3333% | 323 |
| Earnings coverage of net charge-offs (x) | 375.8333% | 306 |
| Efficiency ratio | 48.0095% | 4,609 |
| Assets per employee ($millions) | 6.6784% | 1,689 |
| Cash dividends to net income (ytd only)* | 61.6859% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7276% | 845 |
| Loan loss allowance to noncurrent loans | 5,966.6667% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 4,073 |
| Noncurrent loans to loans | 0.0290% | 4,287 |
| Net loans and leases to total assets | 49.2567% | 4,131 |
| Net loans and leases to deposits | 60.1861% | 4,049 |
| Net loans and leases to core deposits | 65.7898% | 3,902 |
| Total domestic deposits to total assets | 81.8407% | 3,464 |
| Equity capital to assets | 13.7746% | 912 |
| Core capital (leverage) ratio | 11.1302% | 1,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $429,013,000 | 1,749 |
| Average earning assets | $399,796,000 | 1,745 |
| Average equity | $57,316,500 | 1,490 |
| Average total loans | $221,495,000 | 2,095 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7445% | 1,293 |
| Cost of funding earning assets | 1.1276% | 656 |
| Net interest margin | 3.6169% | 2,427 |
| Noninterest income to average assets | 0.8443% | 1,307 |
| Noninterest expense to average assets | 1.9639% | 4,303 |
| Loan and lease loss provision to assets | 0.2808% | 1,533 |
| Net operating income to assets | 1.8670% | 434 |
| Return on assets (ROA) | 1.8370% | 511 |
| Pretax return on assets | 1.9442% | 619 |
| Return on Equity (ROE) | 13.8962% | 906 |
| Retained earnings to average equity (ytd only) | 4.8752% | 2,535 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5292% | 4,700 |
| Assets per employee ($millions) | 6.6527% | 1,674 |
| Cash dividends to net income (ytd only)* | 64.9172% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7245% | 778 |
| Loan loss allowance to noncurrent loans | 235.4738% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.3653% | 2,836 |
| Noncurrent loans to loans | 0.7324% | 2,047 |
| Net loans and leases to total assets | 49.0215% | 4,206 |
| Net loans and leases to deposits | 59.2112% | 4,156 |
| Net loans and leases to core deposits | 66.0775% | 3,968 |
| Total domestic deposits to total assets | 82.7909% | 3,148 |
| Equity capital to assets | 13.2401% | 1,064 |
| Core capital (leverage) ratio | 11.0525% | 1,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $427,318,333 | 1,725 |
| Average earning assets | $398,903,333 | 1,714 |
| Average equity | $56,490,333 | 1,492 |
| Average total loans | $222,799,667 | 2,060 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9926% | 985 |
| Cost of funding earning assets | 1.1890% | 802 |
| Net interest margin | 3.8037% | 1,957 |
| Noninterest income to average assets | 0.6843% | 1,710 |
| Noninterest expense to average assets | 1.8926% | 4,552 |
| Loan and lease loss provision to assets | 0.3797% | 807 |
| Net operating income to assets | 1.8653% | 359 |
| Return on assets (ROA) | 1.9780% | 310 |
| Pretax return on assets | 2.0833% | 383 |
| Return on Equity (ROE) | 14.9744% | 546 |
| Retained earnings to average equity (ytd only) | 14.9744% | 192 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6685% | 4,864 |
| Assets per employee ($millions) | 6.4862% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5839% | 1,113 |
| Loan loss allowance to noncurrent loans | 224.5449% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.3778% | 2,928 |
| Noncurrent loans to loans | 0.7054% | 2,238 |
| Net loans and leases to total assets | 52.7181% | 4,079 |
| Net loans and leases to deposits | 64.6808% | 3,940 |
| Net loans and leases to core deposits | 72.9606% | 3,697 |
| Total domestic deposits to total assets | 81.5050% | 3,544 |
| Equity capital to assets | 13.5373% | 1,206 |
| Core capital (leverage) ratio | 11.8209% | 1,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $421,440,000 | 1,707 |
| Average earning assets | $393,621,500 | 1,687 |
| Average equity | $55,668,500 | 1,507 |
| Average total loans | $224,690,500 | 2,021 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4649% | 3,068 |
| Cost of funding earning assets | 1.2785% | 819 |
| Net interest margin | 3.1864% | 4,213 |
| Noninterest income to average assets | 0.7363% | 1,678 |
| Noninterest expense to average assets | 1.9631% | 4,593 |
| Loan and lease loss provision to assets | 0.1092% | 1,908 |
| Net operating income to assets | 1.5439% | 952 |
| Return on assets (ROA) | 1.7466% | 633 |
| Pretax return on assets | 1.8386% | 861 |
| Return on Equity (ROE) | 13.8959% | 919 |
| Retained earnings to average equity (ytd only) | 4.4620% | 2,723 |
| Net charge-offs to loans | 0.2101% | 977 |
| Credit loss provision to net charge-offs | 93.7500% | 2,607 |
| Earnings coverage of net charge-offs (x) | 14.8896% | 2,262 |
| Efficiency ratio | 53.0914% | 4,509 |
| Assets per employee ($millions) | 6.3830% | 1,366 |
| Cash dividends to net income (ytd only)* | 67.8894% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 1,448 |
| Loan loss allowance to noncurrent loans | 198.8110% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3793% | 2,898 |
| Noncurrent loans to loans | 0.7149% | 2,090 |
| Net loans and leases to total assets | 52.3091% | 4,202 |
| Net loans and leases to deposits | 63.7492% | 4,088 |
| Net loans and leases to core deposits | 71.6373% | 3,878 |
| Total domestic deposits to total assets | 82.0545% | 3,500 |
| Equity capital to assets | 12.8807% | 1,594 |
| Core capital (leverage) ratio | 11.0448% | 2,463 |
| Tier 1 risk-based capital ratio | 15.5224% | 2,576 |
| Total risk-based capital ratio | 16.6010% | 2,568 |
| Memoranda: | ||
| Average total assets | $412,062,800 | 1,705 |
| Average earning assets | $382,944,000 | 1,694 |
| Average equity | $51,792,400 | 1,549 |
| Average total loans | $228,453,400 | 1,966 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4913% | 3,087 |
| Cost of funding earning assets | 1.2723% | 856 |
| Net interest margin | 3.2190% | 4,253 |
| Noninterest income to average assets | 0.7347% | 1,646 |
| Noninterest expense to average assets | 1.9689% | 4,610 |
| Loan and lease loss provision to assets | 0.0813% | 2,282 |
| Net operating income to assets | 1.5971% | 940 |
| Return on assets (ROA) | 1.8719% | 556 |
| Pretax return on assets | 1.9601% | 750 |
| Return on Equity (ROE) | 14.9888% | 778 |
| Retained earnings to average equity (ytd only) | 6.1982% | 2,282 |
| Net charge-offs to loans | 0.0139% | 2,883 |
| Credit loss provision to net charge-offs | 1,041.6667% | 337 |
| Earnings coverage of net charge-offs (x) | 224.7444% | 410 |
| Efficiency ratio | 52.8702% | 4,523 |
| Assets per employee ($millions) | 6.0113% | 1,600 |
| Cash dividends to net income (ytd only)* | 58.6476% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5036% | 1,239 |
| Loan loss allowance to noncurrent loans | 164.3370% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.5036% | 2,513 |
| Noncurrent loans to loans | 0.9150% | 1,746 |
| Net loans and leases to total assets | 54.2163% | 4,165 |
| Net loans and leases to deposits | 66.0066% | 4,064 |
| Net loans and leases to core deposits | 75.1906% | 3,746 |
| Total domestic deposits to total assets | 82.1376% | 3,438 |
| Equity capital to assets | 13.2436% | 1,488 |
| Core capital (leverage) ratio | 11.2478% | 2,430 |
| Tier 1 risk-based capital ratio | 15.3613% | 2,682 |
| Total risk-based capital ratio | 16.5130% | 2,665 |
| Memoranda: | ||
| Average total assets | $409,759,750 | 1,720 |
| Average earning assets | $380,522,250 | 1,717 |
| Average equity | $51,174,750 | 1,567 |
| Average total loans | $229,681,250 | 1,974 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4585% | 3,153 |
| Cost of funding earning assets | 1.2442% | 883 |
| Net interest margin | 3.2143% | 4,337 |
| Noninterest income to average assets | 0.7513% | 1,520 |
| Noninterest expense to average assets | 1.9187% | 4,726 |
| Loan and lease loss provision to assets | 0.0735% | 2,346 |
| Net operating income to assets | 1.6590% | 792 |
| Return on assets (ROA) | 1.6693% | 802 |
| Pretax return on assets | 1.7580% | 1,154 |
| Return on Equity (ROE) | 13.6452% | 1,065 |
| Retained earnings to average equity (ytd only) | 4.7273% | 2,901 |
| Net charge-offs to loans | 0.0078% | 2,867 |
| Credit loss provision to net charge-offs | 1,666.6667% | 222 |
| Earnings coverage of net charge-offs (x) | 412.7778% | 189 |
| Efficiency ratio | 51.3106% | 4,702 |
| Assets per employee ($millions) | 6.1739% | 1,419 |
| Cash dividends to net income (ytd only)* | 65.3553% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 1,335 |
| Loan loss allowance to noncurrent loans | 143.1381% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.5655% | 2,320 |
| Noncurrent loans to loans | 1.0342% | 1,584 |
| Net loans and leases to total assets | 53.8649% | 4,218 |
| Net loans and leases to deposits | 65.0711% | 4,154 |
| Net loans and leases to core deposits | 74.0830% | 3,887 |
| Total domestic deposits to total assets | 82.7784% | 3,280 |
| Equity capital to assets | 12.7695% | 1,707 |
| Core capital (leverage) ratio | 11.1480% | 2,457 |
| Tier 1 risk-based capital ratio | 14.9923% | 2,849 |
| Total risk-based capital ratio | 16.1179% | 2,814 |
| Memoranda: | ||
| Average total assets | $408,085,330 | 1,732 |
| Average earning assets | $379,363,000 | 1,728 |
| Average equity | $49,922,330 | 1,593 |
| Average total loans | $230,137,330 | 1,975 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4187% | 3,157 |
| Cost of funding earning assets | 1.2151% | 863 |
| Net interest margin | 3.2035% | 4,377 |
| Noninterest income to average assets | 0.7451% | 1,442 |
| Noninterest expense to average assets | 1.8564% | 4,859 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7769% | 610 |
| Return on assets (ROA) | 1.7863% | 615 |
| Pretax return on assets | 1.8751% | 841 |
| Return on Equity (ROE) | 14.9362% | 758 |
| Retained earnings to average equity (ytd only) | 14.9362% | 280 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8807% | 4,838 |
| Assets per employee ($millions) | 6.4130% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4200% | 1,599 |
| Loan loss allowance to noncurrent loans | 122.8265% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.6362% | 2,180 |
| Noncurrent loans to loans | 1.1561% | 1,446 |
| Net loans and leases to total assets | 54.2467% | 4,195 |
| Net loans and leases to deposits | 65.6227% | 4,084 |
| Net loans and leases to core deposits | 74.2314% | 3,782 |
| Total domestic deposits to total assets | 82.6646% | 3,517 |
| Equity capital to assets | 12.4289% | 1,778 |
| Core capital (leverage) ratio | 11.5022% | 2,131 |
| Tier 1 risk-based capital ratio | 15.3793% | 2,713 |
| Total risk-based capital ratio | 16.4699% | 2,691 |
| Memoranda: | ||
| Average total assets | $405,303,000 | 1,753 |
| Average earning assets | $376,583,000 | 1,746 |
| Average equity | $48,473,000 | 1,619 |
| Average total loans | $232,126,000 | 1,976 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4604% | 2,580 |
| Cost of funding earning assets | 1.0108% | 723 |
| Net interest margin | 3.4496% | 3,859 |
| Noninterest income to average assets | 0.6867% | 1,901 |
| Noninterest expense to average assets | 1.9217% | 4,863 |
| Loan and lease loss provision to assets | 0.1756% | 1,125 |
| Net operating income to assets | 1.6972% | 698 |
| Return on assets (ROA) | 1.6848% | 711 |
| Pretax return on assets | 1.7669% | 1,007 |
| Return on Equity (ROE) | 14.7792% | 879 |
| Retained earnings to average equity (ytd only) | 5.2338% | 2,640 |
| Net charge-offs to loans | 0.0008% | 3,753 |
| Credit loss provision to net charge-offs | 35,000.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 3,897.0000% | 19 |
| Efficiency ratio | 49.5632% | 4,966 |
| Assets per employee ($millions) | 6.2527% | 1,356 |
| Cash dividends to net income (ytd only)* | 64.5867% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3452% | 1,849 |
| Loan loss allowance to noncurrent loans | 3,448.3871% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 4,758 |
| Noncurrent loans to loans | 0.0390% | 4,584 |
| Net loans and leases to total assets | 58.7724% | 3,897 |
| Net loans and leases to deposits | 70.3323% | 3,806 |
| Net loans and leases to core deposits | 79.5874% | 3,459 |
| Total domestic deposits to total assets | 83.5639% | 3,138 |
| Equity capital to assets | 11.4785% | 2,265 |
| Core capital (leverage) ratio | 11.2210% | 2,329 |
| Tier 1 risk-based capital ratio | 14.2509% | 3,182 |
| Total risk-based capital ratio | 15.3036% | 3,200 |
| Memoranda: | ||
| Average total assets | $398,553,000 | 1,718 |
| Average earning assets | $368,621,000 | 1,729 |
| Average equity | $45,435,600 | 1,653 |
| Average total loans | $237,848,400 | 1,894 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4386% | 2,509 |
| Cost of funding earning assets | 0.9582% | 720 |
| Net interest margin | 3.4804% | 3,761 |
| Noninterest income to average assets | 0.7059% | 1,840 |
| Noninterest expense to average assets | 1.9262% | 4,866 |
| Loan and lease loss provision to assets | 0.2344% | 688 |
| Net operating income to assets | 1.6759% | 794 |
| Return on assets (ROA) | 1.6593% | 827 |
| Pretax return on assets | 1.7474% | 1,153 |
| Return on Equity (ROE) | 14.5803% | 961 |
| Retained earnings to average equity (ytd only) | 5.2083% | 3,113 |
| Net charge-offs to loans | 0.0034% | 3,352 |
| Credit loss provision to net charge-offs | 11,666.6667% | 27 |
| Earnings coverage of net charge-offs (x) | 994.9750% | 84 |
| Efficiency ratio | 49.0701% | 4,998 |
| Assets per employee ($millions) | 6.0970% | 1,421 |
| Cash dividends to net income (ytd only)* | 64.2785% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3404% | 1,914 |
| Loan loss allowance to noncurrent loans | 3,203.0000% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 4,859 |
| Noncurrent loans to loans | 0.0418% | 4,711 |
| Net loans and leases to total assets | 59.4881% | 3,902 |
| Net loans and leases to deposits | 73.1861% | 3,665 |
| Net loans and leases to core deposits | 82.2585% | 3,304 |
| Total domestic deposits to total assets | 81.2833% | 3,793 |
| Equity capital to assets | 10.9959% | 2,669 |
| Core capital (leverage) ratio | 11.2469% | 2,382 |
| Tier 1 risk-based capital ratio | 14.0949% | 3,326 |
| Total risk-based capital ratio | 15.1496% | 3,328 |
| Memoranda: | ||
| Average total assets | $398,147,750 | 1,723 |
| Average earning assets | $368,304,500 | 1,733 |
| Average equity | $45,311,000 | 1,661 |
| Average total loans | $237,710,750 | 1,905 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4481% | 2,265 |
| Cost of funding earning assets | 0.9155% | 689 |
| Net interest margin | 3.5325% | 3,522 |
| Noninterest income to average assets | 0.7102% | 1,832 |
| Noninterest expense to average assets | 1.9009% | 4,960 |
| Loan and lease loss provision to assets | 0.2508% | 613 |
| Net operating income to assets | 1.7237% | 691 |
| Return on assets (ROA) | 1.7218% | 695 |
| Pretax return on assets | 1.8367% | 895 |
| Return on Equity (ROE) | 14.9622% | 859 |
| Retained earnings to average equity (ytd only) | 4.8160% | 3,174 |
| Net charge-offs to loans | 0.0059% | 2,937 |
| Credit loss provision to net charge-offs | 7,142.8571% | 60 |
| Earnings coverage of net charge-offs (x) | 595.1429% | 146 |
| Efficiency ratio | 47.6370% | 5,133 |
| Assets per employee ($millions) | 5.9245% | 1,517 |
| Cash dividends to net income (ytd only)* | 67.8124% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 2,361 |
| Loan loss allowance to noncurrent loans | 2,914.5631% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 4,895 |
| Noncurrent loans to loans | 0.0433% | 4,726 |
| Net loans and leases to total assets | 60.0137% | 3,810 |
| Net loans and leases to deposits | 74.2017% | 3,512 |
| Net loans and leases to core deposits | 79.9606% | 3,424 |
| Total domestic deposits to total assets | 80.8792% | 4,028 |
| Equity capital to assets | 11.3814% | 2,284 |
| Core capital (leverage) ratio | 10.8591% | 2,650 |
| Tier 1 risk-based capital ratio | 13.9819% | 3,368 |
| Total risk-based capital ratio | 14.9779% | 3,401 |
| Memoranda: | ||
| Average total assets | $398,762,670 | 1,736 |
| Average earning assets | $370,271,670 | 1,733 |
| Average equity | $45,889,000 | 1,637 |
| Average total loans | $237,295,670 | 1,911 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4657% | 1,971 |
| Cost of funding earning assets | 0.8484% | 772 |
| Net interest margin | 3.6173% | 3,113 |
| Noninterest income to average assets | 0.7153% | 1,762 |
| Noninterest expense to average assets | 1.8697% | 5,072 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.1276% | 280 |
| Return on assets (ROA) | 2.1478% | 271 |
| Pretax return on assets | 2.2253% | 358 |
| Return on Equity (ROE) | 18.5651% | 356 |
| Retained earnings to average equity (ytd only) | 18.5651% | 134 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8912% | 5,279 |
| Assets per employee ($millions) | 5.9494% | 1,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0542% | 3,636 |
| Loan loss allowance to noncurrent loans | 2,323.1481% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 4,978 |
| Noncurrent loans to loans | 0.0454% | 4,770 |
| Net loans and leases to total assets | 59.0813% | 3,844 |
| Net loans and leases to deposits | 74.2361% | 3,392 |
| Net loans and leases to core deposits | 79.8927% | 3,334 |
| Total domestic deposits to total assets | 79.5857% | 4,478 |
| Equity capital to assets | 11.5891% | 2,066 |
| Core capital (leverage) ratio | 11.0740% | 2,357 |
| Tier 1 risk-based capital ratio | 14.2544% | 3,250 |
| Total risk-based capital ratio | 15.0824% | 3,387 |
| Memoranda: | ||
| Average total assets | $402,637,000 | 1,722 |
| Average earning assets | $373,870,000 | 1,726 |
| Average equity | $46,582,000 | 1,626 |
| Average total loans | $237,111,500 | 1,913 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1863% | 2,738 |
| Cost of funding earning assets | 0.8207% | 553 |
| Net interest margin | 3.3656% | 3,949 |
| Noninterest income to average assets | 0.6673% | 2,104 |
| Noninterest expense to average assets | 1.8948% | 5,119 |
| Loan and lease loss provision to assets | 0.1025% | 2,175 |
| Net operating income to assets | 1.7152% | 509 |
| Return on assets (ROA) | 1.7495% | 484 |
| Pretax return on assets | 1.8420% | 704 |
| Return on Equity (ROE) | 14.8170% | 636 |
| Retained earnings to average equity (ytd only) | 5.0179% | 2,114 |
| Net charge-offs to loans | 0.1693% | 1,458 |
| Credit loss provision to net charge-offs | 101.7812% | 2,517 |
| Earnings coverage of net charge-offs (x) | 18.9491% | 2,050 |
| Efficiency ratio | 49.8214% | 5,226 |
| Assets per employee ($millions) | 6.1616% | 1,409 |
| Cash dividends to net income (ytd only)* | 66.1345% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0622% | 3,536 |
| Loan loss allowance to noncurrent loans | 2,220.3540% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 5,008 |
| Noncurrent loans to loans | 0.0478% | 4,780 |
| Net loans and leases to total assets | 57.4679% | 4,063 |
| Net loans and leases to deposits | 72.6377% | 3,631 |
| Net loans and leases to core deposits | 77.9480% | 3,588 |
| Total domestic deposits to total assets | 79.1158% | 4,520 |
| Equity capital to assets | 11.5497% | 2,158 |
| Core capital (leverage) ratio | 10.5929% | 2,744 |
| Tier 1 risk-based capital ratio | 13.5203% | 3,618 |
| Total risk-based capital ratio | 14.3470% | 3,759 |
| Memoranda: | ||
| Average total assets | $390,224,000 | 1,751 |
| Average earning assets | $363,592,800 | 1,741 |
| Average equity | $46,075,400 | 1,635 |
| Average total loans | $232,114,600 | 1,924 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1927% | 2,644 |
| Cost of funding earning assets | 0.8158% | 522 |
| Net interest margin | 3.3769% | 3,926 |
| Noninterest income to average assets | 0.6851% | 2,062 |
| Noninterest expense to average assets | 1.8975% | 5,136 |
| Loan and lease loss provision to assets | 0.0863% | 2,364 |
| Net operating income to assets | 1.7616% | 509 |
| Return on assets (ROA) | 1.8630% | 427 |
| Pretax return on assets | 1.9583% | 599 |
| Return on Equity (ROE) | 15.6878% | 561 |
| Retained earnings to average equity (ytd only) | 4.9695% | 2,909 |
| Net charge-offs to loans | -0.0046% | 4,444 |
| Credit loss provision to net charge-offs | -3,125.0000% | 5,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4733% | 5,273 |
| Assets per employee ($millions) | 5.8723% | 1,589 |
| Cash dividends to net income (ytd only)* | 68.3225% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 2,906 |
| Loan loss allowance to noncurrent loans | 2,139.5349% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 5,069 |
| Noncurrent loans to loans | 0.0563% | 4,857 |
| Net loans and leases to total assets | 57.5117% | 4,108 |
| Net loans and leases to deposits | 70.0515% | 3,959 |
| Net loans and leases to core deposits | 75.2929% | 3,865 |
| Total domestic deposits to total assets | 82.0991% | 3,743 |
| Equity capital to assets | 11.8705% | 2,056 |
| Core capital (leverage) ratio | 10.6343% | 2,844 |
| Tier 1 risk-based capital ratio | 13.7507% | 3,550 |
| Total risk-based capital ratio | 14.6893% | 3,657 |
| Memoranda: | ||
| Average total assets | $386,113,250 | 1,777 |
| Average earning assets | $360,206,250 | 1,761 |
| Average equity | $45,852,000 | 1,655 |
| Average total loans | $231,090,250 | 1,939 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1734% | 2,572 |
| Cost of funding earning assets | 0.8046% | 514 |
| Net interest margin | 3.3688% | 3,883 |
| Noninterest income to average assets | 0.6891% | 2,041 |
| Noninterest expense to average assets | 1.8917% | 5,193 |
| Loan and lease loss provision to assets | 0.1303% | 1,596 |
| Net operating income to assets | 1.7294% | 527 |
| Return on assets (ROA) | 1.8646% | 410 |
| Pretax return on assets | 1.9631% | 570 |
| Return on Equity (ROE) | 15.6996% | 566 |
| Retained earnings to average equity (ytd only) | 6.3597% | 1,929 |
| Net charge-offs to loans | -0.0069% | 4,424 |
| Credit loss provision to net charge-offs | -3,125.0000% | 5,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2268% | 5,345 |
| Assets per employee ($millions) | 5.8944% | 1,537 |
| Cash dividends to net income (ytd only)* | 59.4912% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 3,025 |
| Loan loss allowance to noncurrent loans | 2,280.9917% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0311% | 5,144 |
| Noncurrent loans to loans | 0.0525% | 4,926 |
| Net loans and leases to total assets | 58.4782% | 3,979 |
| Net loans and leases to deposits | 69.6882% | 3,933 |
| Net loans and leases to core deposits | 75.2084% | 3,841 |
| Total domestic deposits to total assets | 83.9141% | 3,234 |
| Equity capital to assets | 12.0042% | 1,922 |
| Core capital (leverage) ratio | 10.5297% | 2,882 |
| Tier 1 risk-based capital ratio | 13.9180% | 3,465 |
| Total risk-based capital ratio | 14.8742% | 3,549 |
| Memoranda: | ||
| Average total assets | $383,669,330 | 1,790 |
| Average earning assets | $359,176,330 | 1,769 |
| Average equity | $45,568,000 | 1,664 |
| Average total loans | $231,774,670 | 1,937 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1137% | 2,603 |
| Cost of funding earning assets | 0.7801% | 547 |
| Net interest margin | 3.3336% | 3,911 |
| Noninterest income to average assets | 0.7034% | 1,952 |
| Noninterest expense to average assets | 1.8699% | 5,281 |
| Loan and lease loss provision to assets | 0.1050% | 1,820 |
| Net operating income to assets | 1.7716% | 473 |
| Return on assets (ROA) | 1.8583% | 415 |
| Pretax return on assets | 1.9371% | 573 |
| Return on Equity (ROE) | 15.7326% | 562 |
| Retained earnings to average equity (ytd only) | 15.7326% | 207 |
| Net charge-offs to loans | -0.0017% | 3,999 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9286% | 5,422 |
| Assets per employee ($millions) | 5.7064% | 1,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 3,637 |
| Loan loss allowance to noncurrent loans | 2,049.6063% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0332% | 5,179 |
| Noncurrent loans to loans | 0.0543% | 4,978 |
| Net loans and leases to total assets | 60.4707% | 3,732 |
| Net loans and leases to deposits | 73.2152% | 3,480 |
| Net loans and leases to core deposits | 79.3735% | 3,351 |
| Total domestic deposits to total assets | 82.5932% | 3,972 |
| Equity capital to assets | 12.0538% | 1,797 |
| Core capital (leverage) ratio | 10.9841% | 2,371 |
| Tier 1 risk-based capital ratio | 13.9711% | 3,499 |
| Total risk-based capital ratio | 14.8693% | 3,614 |
| Memoranda: | ||
| Average total assets | $380,989,500 | 1,811 |
| Average earning assets | $356,368,500 | 1,795 |
| Average equity | $45,002,000 | 1,686 |
| Average total loans | $232,533,500 | 1,941 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2503% | 2,313 |
| Cost of funding earning assets | 0.7964% | 516 |
| Net interest margin | 3.4539% | 3,613 |
| Noninterest income to average assets | 0.6752% | 2,292 |
| Noninterest expense to average assets | 1.9521% | 5,283 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.8508% | 404 |
| Return on assets (ROA) | 1.8668% | 408 |
| Pretax return on assets | 1.9665% | 540 |
| Return on Equity (ROE) | 15.0507% | 620 |
| Retained earnings to average equity (ytd only) | 5.0665% | 2,303 |
| Net charge-offs to loans | -0.0176% | 5,092 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0308% | 5,484 |
| Assets per employee ($millions) | 5.6664% | 1,728 |
| Cash dividends to net income (ytd only)* | 66.3372% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0823% | 3,814 |
| Loan loss allowance to noncurrent loans | 1,896.2121% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 5,039 |
| Noncurrent loans to loans | 0.0571% | 5,021 |
| Net loans and leases to total assets | 60.2565% | 3,820 |
| Net loans and leases to deposits | 72.1759% | 3,698 |
| Net loans and leases to core deposits | 78.2911% | 3,552 |
| Total domestic deposits to total assets | 83.4857% | 3,603 |
| Equity capital to assets | 11.5682% | 2,109 |
| Core capital (leverage) ratio | 10.5408% | 2,838 |
| Tier 1 risk-based capital ratio | 13.4077% | 3,830 |
| Total risk-based capital ratio | 14.2744% | 3,968 |
| Memoranda: | ||
| Average total assets | $373,962,200 | 1,789 |
| Average earning assets | $349,340,800 | 1,780 |
| Average equity | $46,383,200 | 1,630 |
| Average total loans | $227,729,600 | 1,926 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2910% | 2,185 |
| Cost of funding earning assets | 0.8020% | 501 |
| Net interest margin | 3.4890% | 3,511 |
| Noninterest income to average assets | 0.6882% | 2,222 |
| Noninterest expense to average assets | 1.9265% | 5,338 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.9280% | 384 |
| Return on assets (ROA) | 1.9566% | 380 |
| Pretax return on assets | 2.0536% | 508 |
| Return on Equity (ROE) | 15.5091% | 612 |
| Retained earnings to average equity (ytd only) | 5.7078% | 2,351 |
| Net charge-offs to loans | -0.0264% | 5,109 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7723% | 5,566 |
| Assets per employee ($millions) | 5.4955% | 1,856 |
| Cash dividends to net income (ytd only)* | 63.1974% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 3,790 |
| Loan loss allowance to noncurrent loans | 949.6212% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 5,151 |
| Noncurrent loans to loans | 0.1166% | 4,871 |
| Net loans and leases to total assets | 60.8189% | 3,766 |
| Net loans and leases to deposits | 73.5034% | 3,640 |
| Net loans and leases to core deposits | 79.8592% | 3,459 |
| Total domestic deposits to total assets | 82.7430% | 3,687 |
| Equity capital to assets | 13.0951% | 1,450 |
| Core capital (leverage) ratio | 10.5155% | 2,980 |
| Tier 1 risk-based capital ratio | 13.7453% | 3,711 |
| Total risk-based capital ratio | 14.6430% | 3,835 |
| Memoranda: | ||
| Average total assets | $372,539,750 | 1,799 |
| Average earning assets | $348,289,250 | 1,786 |
| Average equity | $46,999,250 | 1,616 |
| Average total loans | $226,845,000 | 1,930 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2609% | 2,296 |
| Cost of funding earning assets | 0.7961% | 504 |
| Net interest margin | 3.4648% | 3,632 |
| Noninterest income to average assets | 0.7193% | 2,054 |
| Noninterest expense to average assets | 1.9343% | 5,399 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.9258% | 381 |
| Return on assets (ROA) | 1.9584% | 377 |
| Pretax return on assets | 2.0616% | 507 |
| Return on Equity (ROE) | 15.7189% | 573 |
| Retained earnings to average equity (ytd only) | 6.4687% | 1,884 |
| Net charge-offs to loans | -0.0405% | 5,273 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8256% | 5,634 |
| Assets per employee ($millions) | 5.7935% | 1,553 |
| Cash dividends to net income (ytd only)* | 58.8476% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0874% | 4,016 |
| Loan loss allowance to noncurrent loans | 932.3420% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 5,260 |
| Noncurrent loans to loans | 0.1166% | 4,979 |
| Net loans and leases to total assets | 60.5802% | 3,810 |
| Net loans and leases to deposits | 74.3054% | 3,555 |
| Net loans and leases to core deposits | 79.9615% | 3,461 |
| Total domestic deposits to total assets | 81.5286% | 4,135 |
| Equity capital to assets | 12.8354% | 1,593 |
| Core capital (leverage) ratio | 10.3144% | 3,174 |
| Tier 1 risk-based capital ratio | 13.2605% | 4,037 |
| Total risk-based capital ratio | 14.1385% | 4,178 |
| Memoranda: | ||
| Average total assets | $373,987,000 | 1,794 |
| Average earning assets | $349,975,000 | 1,772 |
| Average equity | $46,593,670 | 1,630 |
| Average total loans | $226,979,670 | 1,939 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2047% | 2,449 |
| Cost of funding earning assets | 0.7890% | 516 |
| Net interest margin | 3.4156% | 3,816 |
| Noninterest income to average assets | 0.6955% | 2,061 |
| Noninterest expense to average assets | 1.9512% | 5,428 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.8843% | 410 |
| Return on assets (ROA) | 1.9061% | 418 |
| Pretax return on assets | 1.9587% | 615 |
| Return on Equity (ROE) | 15.5370% | 596 |
| Retained earnings to average equity (ytd only) | 15.5370% | 218 |
| Net charge-offs to loans | -0.0728% | 5,516 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1933% | 5,614 |
| Assets per employee ($millions) | 5.5445% | 1,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 4,190 |
| Loan loss allowance to noncurrent loans | 804.8232% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.0825% | 5,253 |
| Noncurrent loans to loans | 0.1337% | 4,940 |
| Net loans and leases to total assets | 61.0102% | 3,649 |
| Net loans and leases to deposits | 74.1351% | 3,420 |
| Net loans and leases to core deposits | 79.6394% | 3,355 |
| Total domestic deposits to total assets | 82.2960% | 4,121 |
| Equity capital to assets | 12.4896% | 1,688 |
| Core capital (leverage) ratio | 10.5567% | 2,901 |
| Tier 1 risk-based capital ratio | 13.3458% | 4,071 |
| Total risk-based capital ratio | 14.2215% | 4,198 |
| Memoranda: | ||
| Average total assets | $372,692,000 | 1,805 |
| Average earning assets | $348,280,000 | 1,783 |
| Average equity | $45,723,000 | 1,649 |
| Average total loans | $225,150,000 | 1,947 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0696% | 3,033 |
| Cost of funding earning assets | 0.8301% | 421 |
| Net interest margin | 3.2395% | 4,506 |
| Noninterest income to average assets | 0.6650% | 2,377 |
| Noninterest expense to average assets | 1.9298% | 5,579 |
| Loan and lease loss provision to assets | 0.0819% | 2,657 |
| Net operating income to assets | 1.5877% | 725 |
| Return on assets (ROA) | 1.6180% | 696 |
| Pretax return on assets | 1.7067% | 979 |
| Return on Equity (ROE) | 13.3257% | 989 |
| Retained earnings to average equity (ytd only) | 4.6068% | 2,706 |
| Net charge-offs to loans | -0.0864% | 5,735 |
| Credit loss provision to net charge-offs | -163.0435% | 5,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3475% | 5,617 |
| Assets per employee ($millions) | 5.6670% | 1,639 |
| Cash dividends to net income (ytd only)* | 65.4294% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1305% | 3,865 |
| Loan loss allowance to noncurrent loans | 755.2147% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.0885% | 5,268 |
| Noncurrent loans to loans | 0.1497% | 4,897 |
| Net loans and leases to total assets | 58.4514% | 4,022 |
| Net loans and leases to deposits | 70.8798% | 3,824 |
| Net loans and leases to core deposits | 75.0437% | 3,844 |
| Total domestic deposits to total assets | 82.4657% | 4,029 |
| Equity capital to assets | 12.0419% | 1,925 |
| Core capital (leverage) ratio | 10.2542% | 3,198 |
| Tier 1 risk-based capital ratio | 13.4121% | 4,049 |
| Total risk-based capital ratio | 14.3200% | 4,181 |
| Memoranda: | ||
| Average total assets | $366,316,400 | 1,791 |
| Average earning assets | $341,658,400 | 1,776 |
| Average equity | $44,477,800 | 1,659 |
| Average total loans | $212,861,200 | 1,973 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0655% | 3,079 |
| Cost of funding earning assets | 0.8443% | 388 |
| Net interest margin | 3.2212% | 4,608 |
| Noninterest income to average assets | 0.6914% | 2,274 |
| Noninterest expense to average assets | 1.8964% | 5,642 |
| Loan and lease loss provision to assets | 0.0729% | 2,713 |
| Net operating income to assets | 1.6372% | 707 |
| Return on assets (ROA) | 1.6424% | 723 |
| Pretax return on assets | 1.7328% | 1,024 |
| Return on Equity (ROE) | 13.4984% | 1,008 |
| Retained earnings to average equity (ytd only) | 4.7960% | 3,057 |
| Net charge-offs to loans | -0.1166% | 5,841 |
| Credit loss provision to net charge-offs | -108.1081% | 5,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3015% | 5,697 |
| Assets per employee ($millions) | 5.5888% | 1,696 |
| Cash dividends to net income (ytd only)* | 64.4697% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 4,257 |
| Loan loss allowance to noncurrent loans | 605.8974% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 5,317 |
| Noncurrent loans to loans | 0.1807% | 4,922 |
| Net loans and leases to total assets | 58.7706% | 4,046 |
| Net loans and leases to deposits | 70.1736% | 3,965 |
| Net loans and leases to core deposits | 74.0853% | 4,008 |
| Total domestic deposits to total assets | 83.7503% | 3,522 |
| Equity capital to assets | 12.3023% | 1,873 |
| Core capital (leverage) ratio | 10.1926% | 3,379 |
| Tier 1 risk-based capital ratio | 13.3989% | 4,193 |
| Total risk-based capital ratio | 14.2803% | 4,335 |
| Memoranda: | ||
| Average total assets | $365,806,250 | 1,804 |
| Average earning assets | $341,271,750 | 1,795 |
| Average equity | $44,508,000 | 1,669 |
| Average total loans | $211,633,500 | 1,994 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0158% | 3,221 |
| Cost of funding earning assets | 0.8507% | 380 |
| Net interest margin | 3.1650% | 4,769 |
| Noninterest income to average assets | 0.7582% | 1,961 |
| Noninterest expense to average assets | 1.8737% | 5,749 |
| Loan and lease loss provision to assets | 0.0545% | 3,020 |
| Net operating income to assets | 1.7012% | 628 |
| Return on assets (ROA) | 1.7608% | 580 |
| Pretax return on assets | 1.8535% | 813 |
| Return on Equity (ROE) | 14.5252% | 816 |
| Retained earnings to average equity (ytd only) | 5.8092% | 2,353 |
| Net charge-offs to loans | -0.1741% | 5,986 |
| Credit loss provision to net charge-offs | -54.6448% | 4,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3813% | 5,831 |
| Assets per employee ($millions) | 5.6150% | 1,643 |
| Cash dividends to net income (ytd only)* | 60.0062% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0710% | 4,482 |
| Loan loss allowance to noncurrent loans | 612.7371% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.1027% | 5,460 |
| Noncurrent loans to loans | 0.1748% | 5,073 |
| Net loans and leases to total assets | 58.1164% | 4,085 |
| Net loans and leases to deposits | 68.4971% | 4,084 |
| Net loans and leases to core deposits | 72.1537% | 4,117 |
| Total domestic deposits to total assets | 84.8451% | 3,194 |
| Equity capital to assets | 12.0396% | 1,998 |
| Core capital (leverage) ratio | 9.9089% | 3,729 |
| Tier 1 risk-based capital ratio | 13.5151% | 4,211 |
| Total risk-based capital ratio | 14.3732% | 4,358 |
| Memoranda: | ||
| Average total assets | $366,650,000 | 1,807 |
| Average earning assets | $342,998,330 | 1,784 |
| Average equity | $44,447,000 | 1,681 |
| Average total loans | $210,224,000 | 2,011 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9109% | 3,553 |
| Cost of funding earning assets | 0.8473% | 384 |
| Net interest margin | 3.0636% | 5,050 |
| Noninterest income to average assets | 0.7734% | 1,817 |
| Noninterest expense to average assets | 1.8461% | 5,829 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7289% | 552 |
| Return on assets (ROA) | 1.7413% | 570 |
| Pretax return on assets | 1.8072% | 855 |
| Return on Equity (ROE) | 14.3170% | 820 |
| Retained earnings to average equity (ytd only) | 14.3170% | 335 |
| Net charge-offs to loans | 0.0191% | 2,776 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 166.1000% | 330 |
| Efficiency ratio | 50.7122% | 5,871 |
| Assets per employee ($millions) | 5.7933% | 1,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9445% | 5,270 |
| Loan loss allowance to noncurrent loans | 315.8909% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 5,281 |
| Noncurrent loans to loans | 0.2990% | 4,719 |
| Net loans and leases to total assets | 55.6645% | 4,242 |
| Net loans and leases to deposits | 64.2521% | 4,348 |
| Net loans and leases to core deposits | 67.4949% | 4,385 |
| Total domestic deposits to total assets | 86.6345% | 2,584 |
| Equity capital to assets | 12.4315% | 1,733 |
| Core capital (leverage) ratio | 10.0862% | 3,497 |
| Tier 1 risk-based capital ratio | 13.6915% | 4,229 |
| Total risk-based capital ratio | 14.4413% | 4,419 |
| Memoranda: | ||
| Average total assets | $370,293,500 | 1,800 |
| Average earning assets | $346,517,000 | 1,777 |
| Average equity | $45,037,500 | 1,656 |
| Average total loans | $209,781,000 | 2,015 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0722% | 3,433 |
| Cost of funding earning assets | 0.9336% | 323 |
| Net interest margin | 3.1386% | 5,100 |
| Noninterest income to average assets | 0.6847% | 2,368 |
| Noninterest expense to average assets | 1.9292% | 5,892 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.5960% | 708 |
| Return on assets (ROA) | 1.7024% | 600 |
| Pretax return on assets | 1.7899% | 809 |
| Return on Equity (ROE) | 14.5850% | 840 |
| Retained earnings to average equity (ytd only) | 4.9862% | 2,610 |
| Net charge-offs to loans | 0.1256% | 2,772 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 24.3200% | 1,545 |
| Efficiency ratio | 53.4848% | 5,886 |
| Assets per employee ($millions) | 5.6895% | 1,616 |
| Cash dividends to net income (ytd only)* | 65.8129% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9365% | 5,347 |
| Loan loss allowance to noncurrent loans | 513.7662% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 5,618 |
| Noncurrent loans to loans | 0.1823% | 5,177 |
| Net loans and leases to total assets | 56.5763% | 4,249 |
| Net loans and leases to deposits | 66.7558% | 4,239 |
| Net loans and leases to core deposits | 70.2083% | 4,310 |
| Total domestic deposits to total assets | 84.7512% | 3,395 |
| Equity capital to assets | 11.8931% | 2,094 |
| Core capital (leverage) ratio | 9.5944% | 4,112 |
| Tier 1 risk-based capital ratio | 13.1421% | 4,630 |
| Total risk-based capital ratio | 13.8994% | 4,859 |
| Memoranda: | ||
| Average total assets | $362,371,800 | 1,797 |
| Average earning assets | $337,410,600 | 1,777 |
| Average equity | $42,296,800 | 1,697 |
| Average total loans | $199,090,600 | 2,049 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0583% | 3,527 |
| Cost of funding earning assets | 0.9370% | 326 |
| Net interest margin | 3.1213% | 5,196 |
| Noninterest income to average assets | 0.7079% | 2,288 |
| Noninterest expense to average assets | 1.9195% | 5,916 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6141% | 725 |
| Return on assets (ROA) | 1.7848% | 538 |
| Pretax return on assets | 1.8721% | 761 |
| Return on Equity (ROE) | 15.3659% | 760 |
| Retained earnings to average equity (ytd only) | 5.6070% | 2,666 |
| Net charge-offs to loans | 0.0476% | 3,547 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 65.3721% | 813 |
| Efficiency ratio | 53.1436% | 5,907 |
| Assets per employee ($millions) | 5.4868% | 1,740 |
| Cash dividends to net income (ytd only)* | 63.5100% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 4,936 |
| Loan loss allowance to noncurrent loans | 286.2069% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.2054% | 5,404 |
| Noncurrent loans to loans | 0.3709% | 4,798 |
| Net loans and leases to total assets | 54.7067% | 4,490 |
| Net loans and leases to deposits | 65.2175% | 4,413 |
| Net loans and leases to core deposits | 68.5587% | 4,455 |
| Total domestic deposits to total assets | 83.8834% | 3,803 |
| Equity capital to assets | 11.7555% | 2,258 |
| Core capital (leverage) ratio | 9.5895% | 4,261 |
| Tier 1 risk-based capital ratio | 13.2276% | 4,710 |
| Total risk-based capital ratio | 14.0678% | 4,881 |
| Memoranda: | ||
| Average total assets | $360,510,000 | 1,821 |
| Average earning assets | $335,406,000 | 1,799 |
| Average equity | $41,875,250 | 1,721 |
| Average total loans | $196,061,250 | 2,082 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0583% | 3,515 |
| Cost of funding earning assets | 0.9393% | 336 |
| Net interest margin | 3.1190% | 5,195 |
| Noninterest income to average assets | 0.7679% | 1,971 |
| Noninterest expense to average assets | 1.9579% | 5,900 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6345% | 659 |
| Return on assets (ROA) | 1.8038% | 506 |
| Pretax return on assets | 1.8903% | 700 |
| Return on Equity (ROE) | 15.5931% | 699 |
| Retained earnings to average equity (ytd only) | 6.4448% | 2,066 |
| Net charge-offs to loans | 0.0733% | 2,965 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 43.1831% | 1,001 |
| Efficiency ratio | 53.3475% | 5,968 |
| Assets per employee ($millions) | 5.3064% | 1,875 |
| Cash dividends to net income (ytd only)* | 58.6687% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1318% | 4,753 |
| Loan loss allowance to noncurrent loans | 285.3175% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.2148% | 5,477 |
| Noncurrent loans to loans | 0.3967% | 4,802 |
| Net loans and leases to total assets | 52.2204% | 4,724 |
| Net loans and leases to deposits | 60.5863% | 4,817 |
| Net loans and leases to core deposits | 63.6060% | 4,851 |
| Total domestic deposits to total assets | 86.1917% | 2,937 |
| Equity capital to assets | 11.9811% | 2,002 |
| Core capital (leverage) ratio | 9.5362% | 4,270 |
| Tier 1 risk-based capital ratio | 13.5865% | 4,539 |
| Total risk-based capital ratio | 14.4600% | 4,713 |
| Memoranda: | ||
| Average total assets | $358,141,670 | 1,832 |
| Average earning assets | $333,244,330 | 1,810 |
| Average equity | $41,428,670 | 1,733 |
| Average total loans | $193,659,000 | 2,100 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0719% | 3,391 |
| Cost of funding earning assets | 0.9231% | 403 |
| Net interest margin | 3.1488% | 5,096 |
| Noninterest income to average assets | 0.7657% | 1,886 |
| Noninterest expense to average assets | 1.9485% | 5,982 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6587% | 608 |
| Return on assets (ROA) | 1.6704% | 619 |
| Pretax return on assets | 1.7590% | 861 |
| Return on Equity (ROE) | 14.7062% | 820 |
| Retained earnings to average equity (ytd only) | 14.7062% | 342 |
| Net charge-offs to loans | 0.0594% | 2,564 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 53.7241% | 717 |
| Efficiency ratio | 52.7306% | 6,096 |
| Assets per employee ($millions) | 5.3090% | 1,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 4,967 |
| Loan loss allowance to noncurrent loans | 203.2348% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.3455% | 5,117 |
| Noncurrent loans to loans | 0.5572% | 4,493 |
| Net loans and leases to total assets | 53.9706% | 4,427 |
| Net loans and leases to deposits | 62.4688% | 4,493 |
| Net loans and leases to core deposits | 65.5918% | 4,537 |
| Total domestic deposits to total assets | 86.3962% | 3,160 |
| Equity capital to assets | 11.8378% | 1,987 |
| Core capital (leverage) ratio | 9.6415% | 4,077 |
| Tier 1 risk-based capital ratio | 13.5746% | 4,622 |
| Total risk-based capital ratio | 14.4602% | 4,825 |
| Memoranda: | ||
| Average total assets | $356,795,500 | 1,846 |
| Average earning assets | $331,935,000 | 1,818 |
| Average equity | $40,527,000 | 1,759 |
| Average total loans | $195,195,500 | 2,093 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2243% | 3,251 |
| Cost of funding earning assets | 0.9598% | 551 |
| Net interest margin | 3.2645% | 4,790 |
| Noninterest income to average assets | 0.6796% | 2,651 |
| Noninterest expense to average assets | 1.9262% | 6,147 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.6867% | 594 |
| Return on assets (ROA) | 1.7351% | 563 |
| Pretax return on assets | 1.8301% | 702 |
| Return on Equity (ROE) | 14.8237% | 800 |
| Retained earnings to average equity (ytd only) | 5.1172% | 2,513 |
| Net charge-offs to loans | -0.1035% | 6,481 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9839% | 6,296 |
| Assets per employee ($millions) | 5.3416% | 1,806 |
| Cash dividends to net income (ytd only)* | 65.4797% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 4,966 |
| Loan loss allowance to noncurrent loans | 252.8944% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.2476% | 5,524 |
| Noncurrent loans to loans | 0.4490% | 4,874 |
| Net loans and leases to total assets | 54.2038% | 4,559 |
| Net loans and leases to deposits | 62.6951% | 4,653 |
| Net loans and leases to core deposits | 65.8138% | 4,713 |
| Total domestic deposits to total assets | 86.4562% | 3,018 |
| Equity capital to assets | 10.8824% | 2,724 |
| Core capital (leverage) ratio | 9.3727% | 4,444 |
| Tier 1 risk-based capital ratio | 12.8031% | 5,110 |
| Total risk-based capital ratio | 13.6886% | 5,271 |
| Memoranda: | ||
| Average total assets | $349,603,800 | 1,851 |
| Average earning assets | $324,028,800 | 1,831 |
| Average equity | $40,921,000 | 1,712 |
| Average total loans | $190,356,400 | 2,098 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2503% | 3,198 |
| Cost of funding earning assets | 0.9660% | 588 |
| Net interest margin | 3.2843% | 4,699 |
| Noninterest income to average assets | 0.7017% | 2,596 |
| Noninterest expense to average assets | 1.9017% | 6,185 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.7477% | 584 |
| Return on assets (ROA) | 1.7736% | 581 |
| Pretax return on assets | 1.8691% | 760 |
| Return on Equity (ROE) | 14.8833% | 816 |
| Retained earnings to average equity (ytd only) | 5.2380% | 2,907 |
| Net charge-offs to loans | -0.1419% | 6,579 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7993% | 6,350 |
| Assets per employee ($millions) | 5.2485% | 1,894 |
| Cash dividends to net income (ytd only)* | 64.8064% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1801% | 4,967 |
| Loan loss allowance to noncurrent loans | 247.7248% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.2615% | 5,655 |
| Noncurrent loans to loans | 0.4764% | 5,006 |
| Net loans and leases to total assets | 53.9535% | 4,621 |
| Net loans and leases to deposits | 63.2398% | 4,599 |
| Net loans and leases to core deposits | 66.5623% | 4,661 |
| Total domestic deposits to total assets | 85.3157% | 3,578 |
| Equity capital to assets | 11.3988% | 2,383 |
| Core capital (leverage) ratio | 9.4683% | 4,452 |
| Tier 1 risk-based capital ratio | 13.1188% | 5,040 |
| Total risk-based capital ratio | 14.0411% | 5,199 |
| Memoranda: | ||
| Average total assets | $347,532,250 | 1,869 |
| Average earning assets | $321,885,250 | 1,851 |
| Average equity | $41,414,500 | 1,702 |
| Average total loans | $188,891,000 | 2,112 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2291% | 3,243 |
| Cost of funding earning assets | 0.9741% | 625 |
| Net interest margin | 3.2550% | 4,754 |
| Noninterest income to average assets | 0.7582% | 2,374 |
| Noninterest expense to average assets | 1.9379% | 6,155 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.7435% | 582 |
| Return on assets (ROA) | 1.7637% | 598 |
| Pretax return on assets | 1.8557% | 813 |
| Return on Equity (ROE) | 14.5896% | 892 |
| Retained earnings to average equity (ytd only) | 5.6685% | 2,633 |
| Net charge-offs to loans | -0.1155% | 6,536 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3715% | 6,320 |
| Assets per employee ($millions) | 5.2847% | 1,812 |
| Cash dividends to net income (ytd only)* | 61.1473% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1623% | 5,184 |
| Loan loss allowance to noncurrent loans | 234.1357% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.2672% | 5,690 |
| Noncurrent loans to loans | 0.4964% | 5,025 |
| Net loans and leases to total assets | 52.9758% | 4,741 |
| Net loans and leases to deposits | 61.9231% | 4,757 |
| Net loans and leases to core deposits | 64.4544% | 4,844 |
| Total domestic deposits to total assets | 85.5508% | 3,613 |
| Equity capital to assets | 11.3794% | 2,401 |
| Core capital (leverage) ratio | 9.3239% | 4,503 |
| Tier 1 risk-based capital ratio | 13.2234% | 4,978 |
| Total risk-based capital ratio | 14.1271% | 5,172 |
| Memoranda: | ||
| Average total assets | $347,908,330 | 1,876 |
| Average earning assets | $322,146,330 | 1,853 |
| Average equity | $42,057,330 | 1,680 |
| Average total loans | $188,811,670 | 2,111 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2405% | 3,147 |
| Cost of funding earning assets | 0.9703% | 705 |
| Net interest margin | 3.2702% | 4,630 |
| Noninterest income to average assets | 0.7609% | 2,291 |
| Noninterest expense to average assets | 2.0154% | 6,071 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6927% | 594 |
| Return on assets (ROA) | 1.7366% | 592 |
| Pretax return on assets | 1.8063% | 872 |
| Return on Equity (ROE) | 13.9637% | 970 |
| Retained earnings to average equity (ytd only) | 13.9637% | 456 |
| Net charge-offs to loans | -0.1758% | 6,649 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3737% | 6,268 |
| Assets per employee ($millions) | 5.4145% | 1,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1252% | 5,508 |
| Loan loss allowance to noncurrent loans | 248.2394% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.2432% | 5,843 |
| Noncurrent loans to loans | 0.4533% | 5,286 |
| Net loans and leases to total assets | 52.8066% | 4,582 |
| Net loans and leases to deposits | 61.6519% | 4,600 |
| Net loans and leases to core deposits | 64.6087% | 4,689 |
| Total domestic deposits to total assets | 85.6528% | 3,708 |
| Equity capital to assets | 12.4980% | 1,713 |
| Core capital (leverage) ratio | 9.5554% | 3,994 |
| Tier 1 risk-based capital ratio | 13.3007% | 5,013 |
| Total risk-based capital ratio | 14.1898% | 5,218 |
| Memoranda: | ||
| Average total assets | $350,108,500 | 1,891 |
| Average earning assets | $322,790,000 | 1,872 |
| Average equity | $43,541,500 | 1,636 |
| Average total loans | $191,159,500 | 2,095 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8247% | 2,104 |
| Cost of funding earning assets | 1.1491% | 736 |
| Net interest margin | 3.6757% | 3,761 |
| Noninterest income to average assets | 0.6861% | 2,792 |
| Noninterest expense to average assets | 1.9474% | 6,425 |
| Loan and lease loss provision to assets | 0.0610% | 5,017 |
| Net operating income to assets | 1.9545% | 390 |
| Return on assets (ROA) | 1.9730% | 407 |
| Pretax return on assets | 2.0773% | 517 |
| Return on Equity (ROE) | 15.4189% | 743 |
| Retained earnings to average equity (ytd only) | 5.1762% | 2,592 |
| Net charge-offs to loans | 0.0387% | 5,378 |
| Credit loss provision to net charge-offs | 263.1579% | 914 |
| Earnings coverage of net charge-offs (x) | 91.4211% | 427 |
| Efficiency ratio | 47.8926% | 6,714 |
| Assets per employee ($millions) | 5.2769% | 1,925 |
| Cash dividends to net income (ytd only)* | 66.4297% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0450% | 5,780 |
| Loan loss allowance to noncurrent loans | 568.9076% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 6,327 |
| Noncurrent loans to loans | 0.1837% | 6,011 |
| Net loans and leases to total assets | 55.2220% | 4,418 |
| Net loans and leases to deposits | 65.6060% | 4,344 |
| Net loans and leases to core deposits | 68.2896% | 4,507 |
| Total domestic deposits to total assets | 84.1722% | 4,238 |
| Equity capital to assets | 12.3745% | 1,808 |
| Core capital (leverage) ratio | 9.2381% | 4,514 |
| Tier 1 risk-based capital ratio | 12.4473% | 5,509 |
| Total risk-based capital ratio | 13.2866% | 5,718 |
| Memoranda: | ||
| Average total assets | $327,928,000 | 1,966 |
| Average earning assets | $301,550,800 | 1,961 |
| Average equity | $41,961,600 | 1,663 |
| Average total loans | $196,413,800 | 2,035 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8978% | 2,011 |
| Cost of funding earning assets | 1.1808% | 755 |
| Net interest margin | 3.7170% | 3,721 |
| Noninterest income to average assets | 0.6942% | 2,738 |
| Noninterest expense to average assets | 1.9588% | 6,425 |
| Loan and lease loss provision to assets | 0.0413% | 5,259 |
| Net operating income to assets | 2.0128% | 384 |
| Return on assets (ROA) | 2.0117% | 428 |
| Pretax return on assets | 2.1199% | 546 |
| Return on Equity (ROE) | 15.5827% | 805 |
| Retained earnings to average equity (ytd only) | 5.3808% | 3,107 |
| Net charge-offs to loans | 0.0054% | 5,674 |
| Credit loss provision to net charge-offs | 1,250.0000% | 219 |
| Earnings coverage of net charge-offs (x) | 654.2793% | 62 |
| Efficiency ratio | 47.5298% | 6,746 |
| Assets per employee ($millions) | 4.9299% | 2,282 |
| Cash dividends to net income (ytd only)* | 65.4691% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 5,988 |
| Loan loss allowance to noncurrent loans | 279.1899% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.2821% | 5,994 |
| Noncurrent loans to loans | 0.3669% | 5,748 |
| Net loans and leases to total assets | 59.3636% | 3,898 |
| Net loans and leases to deposits | 70.3382% | 3,850 |
| Net loans and leases to core deposits | 73.2997% | 4,073 |
| Total domestic deposits to total assets | 84.3974% | 4,037 |
| Equity capital to assets | 13.2545% | 1,475 |
| Core capital (leverage) ratio | 9.6021% | 4,112 |
| Tier 1 risk-based capital ratio | 12.4843% | 5,655 |
| Total risk-based capital ratio | 13.3265% | 5,882 |
| Memoranda: | ||
| Average total assets | $322,841,500 | 2,014 |
| Average earning assets | $297,648,250 | 2,006 |
| Average equity | $41,677,750 | 1,686 |
| Average total loans | $196,928,500 | 2,056 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8957% | 2,126 |
| Cost of funding earning assets | 1.2175% | 759 |
| Net interest margin | 3.6781% | 3,932 |
| Noninterest income to average assets | 0.6745% | 2,807 |
| Noninterest expense to average assets | 1.9820% | 6,468 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.9919% | 396 |
| Return on assets (ROA) | 1.9919% | 454 |
| Pretax return on assets | 2.0926% | 582 |
| Return on Equity (ROE) | 15.5700% | 839 |
| Retained earnings to average equity (ytd only) | 6.3552% | 2,469 |
| Net charge-offs to loans | 0.0132% | 5,264 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 259.1538% | 168 |
| Efficiency ratio | 48.6433% | 6,734 |
| Assets per employee ($millions) | 4.8666% | 2,332 |
| Cash dividends to net income (ytd only)* | 59.1830% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9795% | 6,232 |
| Loan loss allowance to noncurrent loans | 246.6146% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.3165% | 5,974 |
| Noncurrent loans to loans | 0.3972% | 5,741 |
| Net loans and leases to total assets | 58.7225% | 4,037 |
| Net loans and leases to deposits | 70.3153% | 3,850 |
| Net loans and leases to core deposits | 73.3037% | 4,124 |
| Total domestic deposits to total assets | 83.5131% | 4,524 |
| Equity capital to assets | 12.8590% | 1,593 |
| Core capital (leverage) ratio | 9.4339% | 4,244 |
| Tier 1 risk-based capital ratio | 12.4481% | 5,603 |
| Total risk-based capital ratio | 13.2540% | 5,913 |
| Memoranda: | ||
| Average total assets | $321,996,670 | 2,015 |
| Average earning assets | $297,650,330 | 2,001 |
| Average equity | $41,194,670 | 1,697 |
| Average total loans | $197,520,000 | 2,051 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9553% | 2,053 |
| Cost of funding earning assets | 1.2554% | 762 |
| Net interest margin | 3.6999% | 3,828 |
| Noninterest income to average assets | 0.7238% | 2,539 |
| Noninterest expense to average assets | 2.0190% | 6,428 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.0165% | 406 |
| Return on assets (ROA) | 2.0165% | 467 |
| Pretax return on assets | 2.1240% | 610 |
| Return on Equity (ROE) | 15.8029% | 834 |
| Retained earnings to average equity (ytd only) | 15.8029% | 381 |
| Net charge-offs to loans | -0.0100% | 5,946 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7326% | 6,754 |
| Assets per employee ($millions) | 4.8962% | 2,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9634% | 6,379 |
| Loan loss allowance to noncurrent loans | 178.6916% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.3466% | 6,017 |
| Noncurrent loans to loans | 0.5392% | 5,583 |
| Net loans and leases to total assets | 60.8212% | 3,486 |
| Net loans and leases to deposits | 71.8356% | 3,454 |
| Net loans and leases to core deposits | 75.0895% | 3,732 |
| Total domestic deposits to total assets | 84.6671% | 4,177 |
| Equity capital to assets | 12.8968% | 1,489 |
| Core capital (leverage) ratio | 9.8334% | 3,594 |
| Tier 1 risk-based capital ratio | 12.5813% | 5,534 |
| Total risk-based capital ratio | 13.3951% | 5,845 |
| Memoranda: | ||
| Average total assets | $319,965,500 | 2,030 |
| Average earning assets | $295,685,500 | 2,009 |
| Average equity | $40,828,000 | 1,703 |
| Average total loans | $199,598,000 | 2,039 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3204% | 1,641 |
| Cost of funding earning assets | 1.4906% | 744 |
| Net interest margin | 3.8299% | 3,677 |
| Noninterest income to average assets | 0.6169% | 3,078 |
| Noninterest expense to average assets | 2.0711% | 6,547 |
| Loan and lease loss provision to assets | 0.0650% | 5,798 |
| Net operating income to assets | 1.8921% | 386 |
| Return on assets (ROA) | 1.9495% | 364 |
| Pretax return on assets | 2.0480% | 484 |
| Return on Equity (ROE) | 16.1535% | 581 |
| Retained earnings to average equity (ytd only) | 5.7633% | 2,143 |
| Net charge-offs to loans | 0.0611% | 5,688 |
| Credit loss provision to net charge-offs | 166.6667% | 1,619 |
| Earnings coverage of net charge-offs (x) | 52.6250% | 530 |
| Efficiency ratio | 50.2246% | 6,820 |
| Assets per employee ($millions) | 4.7997% | 2,450 |
| Cash dividends to net income (ytd only)* | 64.3214% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9500% | 6,398 |
| Loan loss allowance to noncurrent loans | 168.7611% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.3567% | 6,085 |
| Noncurrent loans to loans | 0.5629% | 5,592 |
| Net loans and leases to total assets | 62.7668% | 3,453 |
| Net loans and leases to deposits | 74.7395% | 3,383 |
| Net loans and leases to core deposits | 78.1731% | 3,666 |
| Total domestic deposits to total assets | 83.9808% | 4,322 |
| Equity capital to assets | 12.6207% | 1,729 |
| Core capital (leverage) ratio | 9.2232% | 4,433 |
| Tier 1 risk-based capital ratio | 11.8297% | 5,945 |
| Total risk-based capital ratio | 12.6369% | 6,222 |
| Memoranda: | ||
| Average total assets | $307,666,400 | 2,079 |
| Average earning assets | $281,707,600 | 2,080 |
| Average equity | $37,131,200 | 1,816 |
| Average total loans | $196,370,600 | 2,073 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3580% | 1,652 |
| Cost of funding earning assets | 1.5313% | 770 |
| Net interest margin | 3.8267% | 3,738 |
| Noninterest income to average assets | 0.6200% | 3,053 |
| Noninterest expense to average assets | 2.0598% | 6,573 |
| Loan and lease loss provision to assets | 0.0458% | 5,867 |
| Net operating income to assets | 1.9120% | 415 |
| Return on assets (ROA) | 1.9891% | 384 |
| Pretax return on assets | 2.0956% | 525 |
| Return on Equity (ROE) | 16.6795% | 601 |
| Retained earnings to average equity (ytd only) | 6.2457% | 2,403 |
| Net charge-offs to loans | -0.0205% | 6,917 |
| Credit loss provision to net charge-offs | -350.0000% | 6,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9947% | 6,830 |
| Assets per employee ($millions) | 4.5213% | 2,879 |
| Cash dividends to net income (ytd only)* | 62.5550% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 6,269 |
| Loan loss allowance to noncurrent loans | 137.0112% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.4658% | 5,921 |
| Noncurrent loans to loans | 0.7300% | 5,414 |
| Net loans and leases to total assets | 63.1637% | 3,484 |
| Net loans and leases to deposits | 75.4475% | 3,423 |
| Net loans and leases to core deposits | 78.7132% | 3,798 |
| Total domestic deposits to total assets | 83.7188% | 4,364 |
| Equity capital to assets | 12.6767% | 1,803 |
| Core capital (leverage) ratio | 9.4764% | 4,181 |
| Tier 1 risk-based capital ratio | 11.9869% | 5,904 |
| Total risk-based capital ratio | 12.8418% | 6,169 |
| Memoranda: | ||
| Average total assets | $305,387,500 | 2,104 |
| Average earning assets | $279,328,000 | 2,107 |
| Average equity | $36,419,000 | 1,850 |
| Average total loans | $195,278,000 | 2,104 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3505% | 1,716 |
| Cost of funding earning assets | 1.5695% | 791 |
| Net interest margin | 3.7810% | 3,888 |
| Noninterest income to average assets | 0.6183% | 3,013 |
| Noninterest expense to average assets | 2.1057% | 6,579 |
| Loan and lease loss provision to assets | 0.0459% | 5,733 |
| Net operating income to assets | 1.8328% | 466 |
| Return on assets (ROA) | 1.9488% | 392 |
| Pretax return on assets | 2.0486% | 534 |
| Return on Equity (ROE) | 16.6951% | 582 |
| Retained earnings to average equity (ytd only) | 6.7871% | 1,972 |
| Net charge-offs to loans | -0.0164% | 6,784 |
| Credit loss provision to net charge-offs | -437.5000% | 6,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6337% | 6,818 |
| Assets per employee ($millions) | 4.4864% | 2,865 |
| Cash dividends to net income (ytd only)* | 59.3466% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9772% | 6,428 |
| Loan loss allowance to noncurrent loans | 156.3725% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.4012% | 6,140 |
| Noncurrent loans to loans | 0.6249% | 5,676 |
| Net loans and leases to total assets | 63.5727% | 3,559 |
| Net loans and leases to deposits | 76.1665% | 3,435 |
| Net loans and leases to core deposits | 79.4915% | 3,861 |
| Total domestic deposits to total assets | 83.4654% | 4,559 |
| Equity capital to assets | 12.1599% | 1,990 |
| Core capital (leverage) ratio | 9.0978% | 4,570 |
| Tier 1 risk-based capital ratio | 11.8293% | 5,914 |
| Total risk-based capital ratio | 12.6676% | 6,223 |
| Memoranda: | ||
| Average total assets | $304,701,000 | 2,115 |
| Average earning assets | $278,817,000 | 2,113 |
| Average equity | $35,567,330 | 1,884 |
| Average total loans | $194,985,000 | 2,127 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3475% | 1,728 |
| Cost of funding earning assets | 1.5747% | 900 |
| Net interest margin | 3.7728% | 3,747 |
| Noninterest income to average assets | 0.5635% | 3,412 |
| Noninterest expense to average assets | 2.0413% | 6,754 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.8565% | 441 |
| Return on assets (ROA) | 2.0886% | 319 |
| Pretax return on assets | 2.2094% | 395 |
| Return on Equity (ROE) | 18.2745% | 453 |
| Retained earnings to average equity (ytd only) | 18.2745% | 225 |
| Net charge-offs to loans | -0.0308% | 6,717 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9508% | 6,924 |
| Assets per employee ($millions) | 4.5209% | 2,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9417% | 6,580 |
| Loan loss allowance to noncurrent loans | 149.3917% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.4011% | 6,200 |
| Noncurrent loans to loans | 0.6304% | 5,776 |
| Net loans and leases to total assets | 63.0288% | 3,645 |
| Net loans and leases to deposits | 75.9045% | 3,434 |
| Net loans and leases to core deposits | 79.2435% | 3,850 |
| Total domestic deposits to total assets | 83.0369% | 4,911 |
| Equity capital to assets | 11.6759% | 2,138 |
| Core capital (leverage) ratio | 9.4208% | 3,926 |
| Tier 1 risk-based capital ratio | 12.0325% | 5,664 |
| Total risk-based capital ratio | 12.8416% | 6,017 |
| Memoranda: | ||
| Average total assets | $304,513,500 | 2,128 |
| Average earning assets | $277,887,000 | 2,128 |
| Average equity | $34,802,500 | 1,905 |
| Average total loans | $194,548,000 | 2,157 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7067% | 1,545 |
| Cost of funding earning assets | 1.8772% | 920 |
| Net interest margin | 3.8296% | 3,821 |
| Noninterest income to average assets | 0.5926% | 3,526 |
| Noninterest expense to average assets | 2.1572% | 6,716 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.8301% | 383 |
| Return on assets (ROA) | 1.8291% | 422 |
| Pretax return on assets | 1.9264% | 576 |
| Return on Equity (ROE) | 15.6611% | 620 |
| Retained earnings to average equity (ytd only) | 5.5623% | 2,081 |
| Net charge-offs to loans | 0.1918% | 5,150 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 15.0963% | 1,301 |
| Efficiency ratio | 52.8124% | 6,913 |
| Assets per employee ($millions) | 4.4354% | 2,968 |
| Cash dividends to net income (ytd only)* | 64.4830% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9447% | 6,593 |
| Loan loss allowance to noncurrent loans | 149.7133% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.4048% | 6,257 |
| Noncurrent loans to loans | 0.6310% | 5,786 |
| Net loans and leases to total assets | 63.5473% | 3,962 |
| Net loans and leases to deposits | 77.0666% | 3,668 |
| Net loans and leases to core deposits | 80.9959% | 4,060 |
| Total domestic deposits to total assets | 82.4576% | 5,035 |
| Equity capital to assets | 11.1771% | 2,528 |
| Core capital (leverage) ratio | 8.6744% | 5,063 |
| Tier 1 risk-based capital ratio | 11.4696% | 5,931 |
| Total risk-based capital ratio | 12.2823% | 6,272 |
| Memoranda: | ||
| Average total assets | $292,929,200 | 2,196 |
| Average earning assets | $267,106,400 | 2,204 |
| Average equity | $34,212,200 | 1,935 |
| Average total loans | $195,026,800 | 2,203 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7316% | 1,601 |
| Cost of funding earning assets | 1.9337% | 925 |
| Net interest margin | 3.7979% | 3,980 |
| Noninterest income to average assets | 0.5549% | 3,757 |
| Noninterest expense to average assets | 2.1071% | 6,832 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.8149% | 482 |
| Return on assets (ROA) | 1.8136% | 531 |
| Pretax return on assets | 1.9094% | 754 |
| Return on Equity (ROE) | 15.3570% | 799 |
| Retained earnings to average equity (ytd only) | 11.1207% | 590 |
| Net charge-offs to loans | 0.2238% | 4,597 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 12.7043% | 1,661 |
| Efficiency ratio | 52.4424% | 6,941 |
| Assets per employee ($millions) | 4.1869% | 3,467 |
| Cash dividends to net income (ytd only)* | 27.5853% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9418% | 6,603 |
| Loan loss allowance to noncurrent loans | 286.3914% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.2231% | 6,800 |
| Noncurrent loans to loans | 0.3288% | 6,535 |
| Net loans and leases to total assets | 67.2169% | 3,404 |
| Net loans and leases to deposits | 84.2303% | 2,664 |
| Net loans and leases to core deposits | 88.9870% | 3,240 |
| Total domestic deposits to total assets | 79.8014% | 5,769 |
| Equity capital to assets | 12.7117% | 1,746 |
| Core capital (leverage) ratio | 9.3524% | 4,130 |
| Tier 1 risk-based capital ratio | 11.7636% | 5,676 |
| Total risk-based capital ratio | 12.5869% | 6,064 |
| Memoranda: | ||
| Average total assets | $290,759,750 | 2,238 |
| Average earning assets | $265,119,500 | 2,249 |
| Average equity | $34,337,500 | 1,953 |
| Average total loans | $195,410,750 | 2,232 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7141% | 1,712 |
| Cost of funding earning assets | 1.9620% | 1,010 |
| Net interest margin | 3.7522% | 4,120 |
| Noninterest income to average assets | 0.5186% | 3,963 |
| Noninterest expense to average assets | 2.1187% | 6,841 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.7463% | 531 |
| Return on assets (ROA) | 1.7463% | 584 |
| Pretax return on assets | 1.8201% | 855 |
| Return on Equity (ROE) | 15.1777% | 821 |
| Retained earnings to average equity (ytd only) | 10.6760% | 717 |
| Net charge-offs to loans | 0.3398% | 3,642 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 7.9970% | 2,209 |
| Efficiency ratio | 53.7909% | 6,905 |
| Assets per employee ($millions) | 4.1243% | 3,535 |
| Cash dividends to net income (ytd only)* | 29.6603% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9487% | 6,598 |
| Loan loss allowance to noncurrent loans | 325.9582% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.1960% | 6,905 |
| Noncurrent loans to loans | 0.2911% | 6,650 |
| Net loans and leases to total assets | 66.7094% | 3,685 |
| Net loans and leases to deposits | 83.9185% | 2,883 |
| Net loans and leases to core deposits | 88.4978% | 3,484 |
| Total domestic deposits to total assets | 79.4930% | 5,893 |
| Equity capital to assets | 11.8917% | 2,159 |
| Core capital (leverage) ratio | 9.0196% | 4,566 |
| Tier 1 risk-based capital ratio | 11.4487% | 5,825 |
| Total risk-based capital ratio | 12.2830% | 6,194 |
| Memoranda: | ||
| Average total assets | $289,985,000 | 2,266 |
| Average earning assets | $264,328,330 | 2,272 |
| Average equity | $33,364,670 | 1,996 |
| Average total loans | $194,256,000 | 2,271 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6486% | 1,965 |
| Cost of funding earning assets | 1.9687% | 1,188 |
| Net interest margin | 3.6799% | 4,350 |
| Noninterest income to average assets | 0.5323% | 3,796 |
| Noninterest expense to average assets | 2.0973% | 6,947 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6856% | 633 |
| Return on assets (ROA) | 1.6856% | 685 |
| Pretax return on assets | 1.7826% | 910 |
| Return on Equity (ROE) | 14.9038% | 896 |
| Retained earnings to average equity (ytd only) | 14.9038% | 424 |
| Net charge-offs to loans | 0.0290% | 5,164 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 91.8571% | 353 |
| Efficiency ratio | 54.0550% | 6,969 |
| Assets per employee ($millions) | 4.1594% | 3,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1243% | 5,898 |
| Loan loss allowance to noncurrent loans | 438.2766% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.1714% | 7,048 |
| Noncurrent loans to loans | 0.2565% | 6,818 |
| Net loans and leases to total assets | 66.0566% | 3,836 |
| Net loans and leases to deposits | 82.7020% | 3,162 |
| Net loans and leases to core deposits | 86.9631% | 3,756 |
| Total domestic deposits to total assets | 79.8730% | 5,831 |
| Equity capital to assets | 11.4878% | 2,376 |
| Core capital (leverage) ratio | 9.0039% | 4,561 |
| Tier 1 risk-based capital ratio | 11.3220% | 5,837 |
| Total risk-based capital ratio | 12.3077% | 6,073 |
| Memoranda: | ||
| Average total assets | $288,564,000 | 2,322 |
| Average earning assets | $262,506,000 | 2,335 |
| Average equity | $32,636,000 | 2,058 |
| Average total loans | $192,777,000 | 2,345 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9094% | 2,191 |
| Cost of funding earning assets | 2.2550% | 1,820 |
| Net interest margin | 3.6544% | 4,334 |
| Noninterest income to average assets | 0.5297% | 4,181 |
| Noninterest expense to average assets | 2.2983% | 6,755 |
| Loan and lease loss provision to assets | 0.1797% | 5,906 |
| Net operating income to assets | 1.3107% | 1,012 |
| Return on assets (ROA) | 1.3729% | 947 |
| Pretax return on assets | 1.4376% | 1,339 |
| Return on Equity (ROE) | 11.9091% | 1,186 |
| Retained earnings to average equity (ytd only) | 3.9999% | 2,412 |
| Net charge-offs to loans | 0.1649% | 5,634 |
| Credit loss provision to net charge-offs | 159.7444% | 2,800 |
| Earnings coverage of net charge-offs (x) | 13.7955% | 1,404 |
| Efficiency ratio | 59.6938% | 6,529 |
| Assets per employee ($millions) | 3.9718% | 3,866 |
| Cash dividends to net income (ytd only)* | 66.4136% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1527% | 5,630 |
| Loan loss allowance to noncurrent loans | 430.9198% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 7,027 |
| Noncurrent loans to loans | 0.2675% | 6,755 |
| Net loans and leases to total assets | 66.0335% | 4,137 |
| Net loans and leases to deposits | 82.5850% | 3,527 |
| Net loans and leases to core deposits | 98.2231% | 4,201 |
| Total domestic deposits to total assets | 79.9582% | 5,677 |
| Equity capital to assets | 11.1286% | 2,601 |
| Core capital (leverage) ratio | 8.5855% | 5,125 |
| Tier 1 risk-based capital ratio | 10.9619% | 5,949 |
| Total risk-based capital ratio | 11.9716% | 6,162 |
| Memoranda: | ||
| Average total assets | $278,249,600 | 2,360 |
| Average earning assets | $252,817,400 | 2,383 |
| Average equity | $32,076,200 | 2,084 |
| Average total loans | $189,780,200 | 2,407 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9163% | 2,377 |
| Cost of funding earning assets | 2.3140% | 1,932 |
| Net interest margin | 3.6023% | 4,473 |
| Noninterest income to average assets | 0.5754% | 3,886 |
| Noninterest expense to average assets | 2.2105% | 6,946 |
| Loan and lease loss provision to assets | 0.1213% | 6,146 |
| Net operating income to assets | 1.4470% | 923 |
| Return on assets (ROA) | 1.5143% | 845 |
| Pretax return on assets | 1.5828% | 1,210 |
| Return on Equity (ROE) | 13.4962% | 1,012 |
| Retained earnings to average equity (ytd only) | 6.5414% | 1,692 |
| Net charge-offs to loans | 0.0173% | 6,676 |
| Credit loss provision to net charge-offs | 1,022.7273% | 364 |
| Earnings coverage of net charge-offs (x) | 137.7395% | 277 |
| Efficiency ratio | 57.4975% | 6,790 |
| Assets per employee ($millions) | 3.8006% | 4,187 |
| Cash dividends to net income (ytd only)* | 51.5314% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1431% | 5,454 |
| Loan loss allowance to noncurrent loans | 9,342.8571% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 7,578 |
| Noncurrent loans to loans | 0.0122% | 7,498 |
| Net loans and leases to total assets | 67.6425% | 4,038 |
| Net loans and leases to deposits | 86.6533% | 3,198 |
| Net loans and leases to core deposits | 105.5357% | 3,750 |
| Total domestic deposits to total assets | 78.0610% | 6,073 |
| Equity capital to assets | 11.6408% | 2,477 |
| Core capital (leverage) ratio | 8.2143% | 5,988 |
| Tier 1 risk-based capital ratio | 10.4275% | 6,549 |
| Total risk-based capital ratio | 11.4511% | 6,718 |
| Memoranda: | ||
| Average total assets | $247,240,500 | 2,651 |
| Average earning assets | $224,369,000 | 2,681 |
| Average equity | $27,740,500 | 2,407 |
| Average total loans | $169,674,750 | 2,654 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8686% | 2,723 |
| Cost of funding earning assets | 2.3908% | 2,002 |
| Net interest margin | 3.4778% | 4,904 |
| Noninterest income to average assets | 0.6202% | 3,538 |
| Noninterest expense to average assets | 2.2687% | 6,851 |
| Loan and lease loss provision to assets | 0.1219% | 5,893 |
| Net operating income to assets | 1.3843% | 1,059 |
| Return on assets (ROA) | 1.3916% | 1,113 |
| Pretax return on assets | 1.3916% | 1,749 |
| Return on Equity (ROE) | 12.5633% | 1,270 |
| Retained earnings to average equity (ytd only) | 7.6906% | 1,321 |
| Net charge-offs to loans | 0.0272% | 6,095 |
| Credit loss provision to net charge-offs | 652.1739% | 711 |
| Earnings coverage of net charge-offs (x) | 80.5652% | 476 |
| Efficiency ratio | 60.0991% | 6,535 |
| Assets per employee ($millions) | 3.8266% | 4,035 |
| Cash dividends to net income (ytd only)* | 38.7850% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 5,560 |
| Loan loss allowance to noncurrent loans | 8,200.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 7,621 |
| Noncurrent loans to loans | 0.0135% | 7,525 |
| Net loans and leases to total assets | 67.7895% | 4,183 |
| Net loans and leases to deposits | 85.9277% | 3,567 |
| Net loans and leases to core deposits | 104.1690% | 4,046 |
| Total domestic deposits to total assets | 78.8912% | 5,842 |
| Equity capital to assets | 11.1404% | 2,800 |
| Core capital (leverage) ratio | 8.0806% | 6,196 |
| Tier 1 risk-based capital ratio | 10.2899% | 6,606 |
| Total risk-based capital ratio | 11.2763% | 6,822 |
| Memoranda: | ||
| Average total assets | $246,040,330 | 2,681 |
| Average earning assets | $223,189,670 | 2,708 |
| Average equity | $27,254,000 | 2,453 |
| Average total loans | $169,020,670 | 2,692 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8907% | 2,847 |
| Cost of funding earning assets | 2.3827% | 2,363 |
| Net interest margin | 3.5081% | 4,695 |
| Noninterest income to average assets | 0.6081% | 3,490 |
| Noninterest expense to average assets | 2.2035% | 6,859 |
| Loan and lease loss provision to assets | 0.1226% | 5,395 |
| Net operating income to assets | 1.4565% | 1,025 |
| Return on assets (ROA) | 1.4565% | 1,102 |
| Pretax return on assets | 1.4565% | 1,798 |
| Return on Equity (ROE) | 13.1871% | 1,338 |
| Retained earnings to average equity (ytd only) | 13.1871% | 610 |
| Net charge-offs to loans | 0.0570% | 4,671 |
| Credit loss provision to net charge-offs | 312.5000% | 1,563 |
| Earnings coverage of net charge-offs (x) | 40.2500% | 845 |
| Efficiency ratio | 58.2541% | 6,659 |
| Assets per employee ($millions) | 3.8256% | 4,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0610% | 5,743 |
| Loan loss allowance to noncurrent loans | 1,206.6667% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 7,416 |
| Noncurrent loans to loans | 0.0879% | 7,272 |
| Net loans and leases to total assets | 68.9393% | 3,930 |
| Net loans and leases to deposits | 88.7860% | 3,144 |
| Net loans and leases to core deposits | 108.9938% | 3,564 |
| Total domestic deposits to total assets | 77.6466% | 6,118 |
| Equity capital to assets | 11.2261% | 2,787 |
| Core capital (leverage) ratio | 8.2934% | 5,915 |
| Tier 1 risk-based capital ratio | 10.2800% | 6,611 |
| Total risk-based capital ratio | 11.2333% | 6,847 |
| Memoranda: | ||
| Average total assets | $244,697,500 | 2,715 |
| Average earning assets | $221,432,000 | 2,742 |
| Average equity | $27,026,500 | 2,489 |
| Average total loans | $168,283,000 | 2,724 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2701% | 4,122 |
| Cost of funding earning assets | 2.8891% | 2,313 |
| Net interest margin | 3.3810% | 5,737 |
| Noninterest income to average assets | 0.4978% | 4,625 |
| Noninterest expense to average assets | 2.3030% | 6,693 |
| Loan and lease loss provision to assets | 0.1509% | 5,436 |
| Net operating income to assets | 1.0004% | 2,558 |
| Return on assets (ROA) | 0.8021% | 3,262 |
| Pretax return on assets | 0.8677% | 3,829 |
| Return on Equity (ROE) | 7.1923% | 3,436 |
| Retained earnings to average equity (ytd only) | 2.0986% | 3,929 |
| Net charge-offs to loans | 0.0752% | 5,684 |
| Credit loss provision to net charge-offs | 299.1453% | 1,515 |
| Earnings coverage of net charge-offs (x) | 24.4701% | 1,377 |
| Efficiency ratio | 65.1109% | 5,298 |
| Assets per employee ($millions) | 3.7624% | 4,033 |
| Cash dividends to net income (ytd only)* | 70.8221% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0599% | 5,547 |
| Loan loss allowance to noncurrent loans | 7,995.4545% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 7,601 |
| Noncurrent loans to loans | 0.0133% | 7,487 |
| Net loans and leases to total assets | 67.1448% | 4,611 |
| Net loans and leases to deposits | 85.3728% | 4,200 |
| Net loans and leases to core deposits | 106.0564% | 4,194 |
| Total domestic deposits to total assets | 78.6490% | 5,502 |
| Equity capital to assets | 10.8634% | 3,155 |
| Core capital (leverage) ratio | 7.9487% | 6,574 |
| Tier 1 risk-based capital ratio | 10.0443% | 6,695 |
| Total risk-based capital ratio | 10.9928% | 6,936 |
| Memoranda: | ||
| Average total assets | $232,005,800 | 2,741 |
| Average earning assets | $208,545,400 | 2,793 |
| Average equity | $25,875,000 | 2,569 |
| Average total loans | $155,516,800 | 2,842 |