Home > Citizens State Bank of La Crosse > Performance and Condition Ratios
Citizens State Bank of La Crosse, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7928% | 843 |
| Cost of funding earning assets | 1.9581% | 983 |
| Net interest margin | 3.8348% | 1,500 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 1.8235% | 3,964 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 2.4738% | 246 |
| Return on assets (ROA) | 2.4738% | 240 |
| Pretax return on assets | 2.4715% | 348 |
| Return on Equity (ROE) | 29.1800% | 199 |
| Retained earnings to average equity (ytd only) | 13.9993% | 401 |
| Net charge-offs to loans | 0.0099% | 2,281 |
| Credit loss provision to net charge-offs | 1,105.7692% | 382 |
| Earnings coverage of net charge-offs (x) | 297.0385% | 436 |
| Efficiency ratio | 41.4793% | 4,329 |
| Assets per employee ($millions) | 8.4835% | 1,193 |
| Cash dividends to net income (ytd only)* | 52.0255% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6952% | 4,134 |
| Loan loss allowance to noncurrent loans | 633.4448% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.2276% | 2,085 |
| Noncurrent loans to loans | 0.1097% | 2,983 |
| Net loans and leases to total assets | 86.2000% | 150 |
| Net loans and leases to deposits | 108.9032% | 222 |
| Net loans and leases to core deposits | 134.2082% | 345 |
| Total domestic deposits to total assets | 79.1500% | 3,589 |
| Equity capital to assets | 8.7354% | 2,878 |
| Core capital (leverage) ratio | 8.6552% | 3,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0843% | 2,805 |
| Memoranda: | ||
| Average total assets | $601,696,000 | 1,476 |
| Average earning assets | $583,791,200 | 1,409 |
| Average equity | $51,009,800 | 1,587 |
| Average total loans | $525,307,400 | 1,190 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6774% | 820 |
| Cost of funding earning assets | 1.8244% | 973 |
| Net interest margin | 3.8530% | 1,491 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 1.8105% | 3,959 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 2.5392% | 260 |
| Return on assets (ROA) | 2.5392% | 254 |
| Pretax return on assets | 2.5361% | 369 |
| Return on Equity (ROE) | 30.1900% | 223 |
| Retained earnings to average equity (ytd only) | 13.1645% | 788 |
| Net charge-offs to loans | 0.0120% | 1,954 |
| Credit loss provision to net charge-offs | 478.7234% | 658 |
| Earnings coverage of net charge-offs (x) | 245.6596% | 519 |
| Efficiency ratio | 41.1198% | 4,327 |
| Assets per employee ($millions) | 8.6500% | 1,058 |
| Cash dividends to net income (ytd only)* | 56.4005% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7076% | 4,125 |
| Loan loss allowance to noncurrent loans | 655.1903% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 1,937 |
| Noncurrent loans to loans | 0.1080% | 3,032 |
| Net loans and leases to total assets | 85.3200% | 190 |
| Net loans and leases to deposits | 106.7639% | 278 |
| Net loans and leases to core deposits | 131.7658% | 323 |
| Total domestic deposits to total assets | 79.9100% | 3,543 |
| Equity capital to assets | 8.4381% | 2,757 |
| Core capital (leverage) ratio | 8.6802% | 4,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9405% | 2,834 |
| Memoranda: | ||
| Average total assets | $595,176,000 | 1,492 |
| Average earning assets | $576,540,250 | 1,428 |
| Average equity | $50,052,500 | 1,593 |
| Average total loans | $520,405,750 | 1,194 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6018% | 728 |
| Cost of funding earning assets | 1.6718% | 929 |
| Net interest margin | 3.9300% | 1,369 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 1.7912% | 4,014 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 2.6012% | 221 |
| Return on assets (ROA) | 2.6012% | 218 |
| Pretax return on assets | 2.5964% | 311 |
| Return on Equity (ROE) | 30.9700% | 200 |
| Retained earnings to average equity (ytd only) | 14.6731% | 602 |
| Net charge-offs to loans | 0.0182% | 1,542 |
| Credit loss provision to net charge-offs | 319.1489% | 835 |
| Earnings coverage of net charge-offs (x) | 165.0426% | 703 |
| Efficiency ratio | 40.2999% | 4,386 |
| Assets per employee ($millions) | 7.8881% | 1,369 |
| Cash dividends to net income (ytd only)* | 52.6178% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7036% | 4,176 |
| Loan loss allowance to noncurrent loans | 726.4188% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.2606% | 1,900 |
| Noncurrent loans to loans | 0.0969% | 3,011 |
| Net loans and leases to total assets | 86.2500% | 140 |
| Net loans and leases to deposits | 108.5747% | 234 |
| Net loans and leases to core deposits | 130.0227% | 327 |
| Total domestic deposits to total assets | 79.4400% | 3,660 |
| Equity capital to assets | 8.4349% | 2,917 |
| Core capital (leverage) ratio | 8.2965% | 4,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5556% | 2,901 |
| Memoranda: | ||
| Average total assets | $585,969,000 | 1,510 |
| Average earning assets | $567,785,000 | 1,447 |
| Average equity | $49,219,333 | 1,615 |
| Average total loans | $515,489,333 | 1,189 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2643% | 868 |
| Cost of funding earning assets | 1.3922% | 1,038 |
| Net interest margin | 3.8721% | 1,534 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 1.9233% | 3,805 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 2.3377% | 307 |
| Return on assets (ROA) | 2.3377% | 307 |
| Pretax return on assets | 2.3391% | 452 |
| Return on Equity (ROE) | 27.8900% | 294 |
| Retained earnings to average equity (ytd only) | 9.4829% | 1,818 |
| Net charge-offs to loans | 0.0369% | 998 |
| Credit loss provision to net charge-offs | 159.5745% | 919 |
| Earnings coverage of net charge-offs (x) | 73.1702% | 934 |
| Efficiency ratio | 44.5125% | 4,283 |
| Assets per employee ($millions) | 7.9911% | 1,349 |
| Cash dividends to net income (ytd only)* | 66.0024% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7020% | 4,244 |
| Loan loss allowance to noncurrent loans | 660.0726% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.2701% | 1,793 |
| Noncurrent loans to loans | 0.1064% | 3,001 |
| Net loans and leases to total assets | 85.8300% | 140 |
| Net loans and leases to deposits | 106.2176% | 248 |
| Net loans and leases to core deposits | 126.7256% | 320 |
| Total domestic deposits to total assets | 80.8100% | 3,663 |
| Equity capital to assets | 8.1401% | 3,148 |
| Core capital (leverage) ratio | 8.5784% | 4,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2917% | 3,007 |
| Memoranda: | ||
| Average total assets | $575,261,500 | 1,567 |
| Average earning assets | $558,556,000 | 1,494 |
| Average equity | $48,213,000 | 1,653 |
| Average total loans | $509,454,500 | 1,211 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9741% | 316 |
| Cost of funding earning assets | 0.7308% | 505 |
| Net interest margin | 4.2434% | 477 |
| Noninterest income to average assets | 0.9000% | 783 |
| Noninterest expense to average assets | 2.0462% | 3,455 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 2.8597% | 116 |
| Return on assets (ROA) | 2.8597% | 113 |
| Pretax return on assets | 2.8619% | 144 |
| Return on Equity (ROE) | 32.8400% | 89 |
| Retained earnings to average equity (ytd only) | 16.5577% | 200 |
| Net charge-offs to loans | 0.0024% | 2,427 |
| Credit loss provision to net charge-offs | 2,727.2727% | 205 |
| Earnings coverage of net charge-offs (x) | 1,335.9091% | 133 |
| Efficiency ratio | 41.1334% | 4,515 |
| Assets per employee ($millions) | 7.3492% | 1,724 |
| Cash dividends to net income (ytd only)* | 49.5759% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7206% | 4,178 |
| Loan loss allowance to noncurrent loans | 654.9909% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3456% | 1,472 |
| Noncurrent loans to loans | 0.1100% | 2,983 |
| Net loans and leases to total assets | 90.2100% | 32 |
| Net loans and leases to deposits | 111.7865% | 133 |
| Net loans and leases to core deposits | 127.8974% | 253 |
| Total domestic deposits to total assets | 80.7000% | 3,794 |
| Equity capital to assets | 8.6431% | 2,602 |
| Core capital (leverage) ratio | 8.6610% | 3,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1537% | 3,042 |
| Memoranda: | ||
| Average total assets | $502,982,200 | 1,714 |
| Average earning assets | $481,694,400 | 1,668 |
| Average equity | $43,804,400 | 1,790 |
| Average total loans | $458,282,000 | 1,256 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8580% | 258 |
| Cost of funding earning assets | 0.6496% | 339 |
| Net interest margin | 4.2085% | 412 |
| Noninterest income to average assets | 0.9600% | 728 |
| Noninterest expense to average assets | 2.0624% | 3,314 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 2.8473% | 114 |
| Return on assets (ROA) | 2.8473% | 111 |
| Pretax return on assets | 2.8495% | 157 |
| Return on Equity (ROE) | 32.6200% | 78 |
| Retained earnings to average equity (ytd only) | 16.2222% | 263 |
| Net charge-offs to loans | 0.0018% | 2,231 |
| Credit loss provision to net charge-offs | 3,750.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 1,786.1667% | 72 |
| Efficiency ratio | 41.4177% | 4,535 |
| Assets per employee ($millions) | 7.1380% | 1,849 |
| Cash dividends to net income (ytd only)* | 50.2766% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7262% | 4,214 |
| Loan loss allowance to noncurrent loans | 1,701.4423% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.2817% | 1,825 |
| Noncurrent loans to loans | 0.0427% | 3,584 |
| Net loans and leases to total assets | 90.3700% | 23 |
| Net loans and leases to deposits | 112.2937% | 100 |
| Net loans and leases to core deposits | 131.3176% | 139 |
| Total domestic deposits to total assets | 80.4700% | 4,057 |
| Equity capital to assets | 8.5166% | 2,535 |
| Core capital (leverage) ratio | 8.7144% | 3,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.9461% | 3,110 |
| Memoranda: | ||
| Average total assets | $490,929,500 | 1,751 |
| Average earning assets | $467,996,250 | 1,709 |
| Average equity | $42,845,500 | 1,852 |
| Average total loans | $447,642,000 | 1,270 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5660% | 333 |
| Cost of funding earning assets | 0.5777% | 328 |
| Net interest margin | 3.9883% | 508 |
| Noninterest income to average assets | 0.9985% | 669 |
| Noninterest expense to average assets | 2.0495% | 3,297 |
| Loan and lease loss provision to assets | 0.0630% | 1,471 |
| Net operating income to assets | 2.6888% | 91 |
| Return on assets (ROA) | 2.6888% | 85 |
| Pretax return on assets | 2.6909% | 134 |
| Return on Equity (ROE) | 30.5323% | 53 |
| Retained earnings to average equity (ytd only) | 15.9650% | 192 |
| Net charge-offs to loans | 0.0005% | 2,146 |
| Credit loss provision to net charge-offs | 15,000.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 6,556.0000% | 5 |
| Efficiency ratio | 42.6060% | 4,551 |
| Assets per employee ($millions) | 6.8116% | 2,060 |
| Cash dividends to net income (ytd only)* | 47.7113% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7302% | 4,285 |
| Loan loss allowance to noncurrent loans | 963.6111% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.2903% | 1,845 |
| Noncurrent loans to loans | 0.0758% | 3,415 |
| Net loans and leases to total assets | 92.3143% | 6 |
| Net loans and leases to deposits | 114.1724% | 66 |
| Net loans and leases to core deposits | 133.3355% | 104 |
| Total domestic deposits to total assets | 80.8552% | 4,150 |
| Equity capital to assets | 8.5662% | 2,712 |
| Core capital (leverage) ratio | 8.9716% | 3,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2974% | 3,074 |
| Memoranda: | ||
| Average total assets | $476,122,000 | 1,801 |
| Average earning assets | $454,225,333 | 1,771 |
| Average equity | $41,929,333 | 1,931 |
| Average total loans | $434,417,000 | 1,291 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5308% | 292 |
| Cost of funding earning assets | 0.5487% | 377 |
| Net interest margin | 3.9820% | 431 |
| Noninterest income to average assets | 0.9783% | 709 |
| Noninterest expense to average assets | 2.1537% | 2,966 |
| Loan and lease loss provision to assets | 0.0654% | 1,249 |
| Net operating income to assets | 2.5051% | 123 |
| Return on assets (ROA) | 2.5051% | 118 |
| Pretax return on assets | 2.5051% | 185 |
| Return on Equity (ROE) | 28.0204% | 72 |
| Retained earnings to average equity (ytd only) | 10.5528% | 888 |
| Net charge-offs to loans | 0.0010% | 1,809 |
| Credit loss provision to net charge-offs | 7,500.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 2,948.0000% | 17 |
| Efficiency ratio | 45.5334% | 4,514 |
| Assets per employee ($millions) | 5.9705% | 2,833 |
| Cash dividends to net income (ytd only)* | 62.3390% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7933% | 4,254 |
| Loan loss allowance to noncurrent loans | 917.2973% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.3124% | 1,870 |
| Noncurrent loans to loans | 0.0865% | 3,407 |
| Net loans and leases to total assets | 91.1385% | 8 |
| Net loans and leases to deposits | 111.3977% | 65 |
| Net loans and leases to core deposits | 124.2205% | 123 |
| Total domestic deposits to total assets | 81.8137% | 4,098 |
| Equity capital to assets | 8.9154% | 2,788 |
| Core capital (leverage) ratio | 9.1092% | 3,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5388% | 3,082 |
| Memoranda: | ||
| Average total assets | $458,748,500 | 1,861 |
| Average earning assets | $431,537,500 | 1,851 |
| Average equity | $41,013,000 | 2,020 |
| Average total loans | $414,088,500 | 1,334 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8676% | 321 |
| Cost of funding earning assets | 0.5999% | 544 |
| Net interest margin | 4.2677% | 434 |
| Noninterest income to average assets | 1.4040% | 560 |
| Noninterest expense to average assets | 2.2527% | 2,937 |
| Loan and lease loss provision to assets | 0.0780% | 1,562 |
| Net operating income to assets | 3.1401% | 92 |
| Return on assets (ROA) | 3.1401% | 94 |
| Pretax return on assets | 3.1434% | 126 |
| Return on Equity (ROE) | 34.8660% | 43 |
| Retained earnings to average equity (ytd only) | 16.3387% | 155 |
| Net charge-offs to loans | 0.0005% | 2,682 |
| Credit loss provision to net charge-offs | 16,250.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 6,709.0000% | 13 |
| Efficiency ratio | 41.0903% | 4,664 |
| Assets per employee ($millions) | 5.7922% | 2,963 |
| Cash dividends to net income (ytd only)* | 53.1386% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8293% | 4,215 |
| Loan loss allowance to noncurrent loans | 1,588.5167% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.3196% | 1,960 |
| Noncurrent loans to loans | 0.0522% | 3,704 |
| Net loans and leases to total assets | 87.8781% | 32 |
| Net loans and leases to deposits | 106.2908% | 105 |
| Net loans and leases to core deposits | 117.2187% | 188 |
| Total domestic deposits to total assets | 82.6771% | 3,863 |
| Equity capital to assets | 8.9658% | 3,653 |
| Core capital (leverage) ratio | 9.4383% | 2,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1311% | 3,032 |
| Memoranda: | ||
| Average total assets | $416,518,000 | 1,940 |
| Average earning assets | $397,241,200 | 1,916 |
| Average equity | $37,512,200 | 2,175 |
| Average total loans | $374,020,400 | 1,444 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9832% | 309 |
| Cost of funding earning assets | 0.6282% | 544 |
| Net interest margin | 4.3549% | 401 |
| Noninterest income to average assets | 1.4442% | 584 |
| Noninterest expense to average assets | 2.2532% | 2,882 |
| Loan and lease loss provision to assets | 0.0817% | 1,449 |
| Net operating income to assets | 3.2680% | 98 |
| Return on assets (ROA) | 3.2680% | 100 |
| Pretax return on assets | 3.2713% | 138 |
| Return on Equity (ROE) | 36.2416% | 53 |
| Retained earnings to average equity (ytd only) | 15.9865% | 302 |
| Net charge-offs to loans | 0.0015% | 2,366 |
| Credit loss provision to net charge-offs | 6,250.0000% | 126 |
| Earnings coverage of net charge-offs (x) | 2,563.2500% | 55 |
| Efficiency ratio | 40.1330% | 4,717 |
| Assets per employee ($millions) | 4.4220% | 4,176 |
| Cash dividends to net income (ytd only)* | 55.8891% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8437% | 4,289 |
| Loan loss allowance to noncurrent loans | 1,941.9162% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.3412% | 2,077 |
| Noncurrent loans to loans | 0.0434% | 3,898 |
| Net loans and leases to total assets | 92.6743% | 8 |
| Net loans and leases to deposits | 112.2155% | 80 |
| Net loans and leases to core deposits | 123.6650% | 152 |
| Total domestic deposits to total assets | 82.5860% | 3,804 |
| Equity capital to assets | 9.4366% | 3,432 |
| Core capital (leverage) ratio | 9.2374% | 3,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1025% | 3,083 |
| Memoranda: | ||
| Average total assets | $407,698,750 | 1,985 |
| Average earning assets | $389,647,250 | 1,957 |
| Average equity | $36,763,500 | 2,245 |
| Average total loans | $367,438,250 | 1,493 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0720% | 305 |
| Cost of funding earning assets | 0.6519% | 567 |
| Net interest margin | 4.4201% | 406 |
| Noninterest income to average assets | 1.4425% | 584 |
| Noninterest expense to average assets | 2.1608% | 3,208 |
| Loan and lease loss provision to assets | 0.0861% | 1,426 |
| Net operating income to assets | 3.4159% | 94 |
| Return on assets (ROA) | 3.4159% | 96 |
| Pretax return on assets | 3.4188% | 123 |
| Return on Equity (ROE) | 38.4846% | 51 |
| Retained earnings to average equity (ytd only) | 18.1254% | 217 |
| Net charge-offs to loans | 0.0022% | 2,124 |
| Credit loss provision to net charge-offs | 4,375.0000% | 158 |
| Earnings coverage of net charge-offs (x) | 1,781.0000% | 60 |
| Efficiency ratio | 38.0775% | 4,801 |
| Assets per employee ($millions) | 5.1595% | 3,499 |
| Cash dividends to net income (ytd only)* | 52.9022% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8489% | 4,286 |
| Loan loss allowance to noncurrent loans | 2,400.0000% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.4092% | 1,972 |
| Noncurrent loans to loans | 0.0354% | 4,020 |
| Net loans and leases to total assets | 90.7810% | 14 |
| Net loans and leases to deposits | 109.8143% | 114 |
| Net loans and leases to core deposits | 122.1147% | 193 |
| Total domestic deposits to total assets | 82.6677% | 3,775 |
| Equity capital to assets | 9.2472% | 3,564 |
| Core capital (leverage) ratio | 9.0584% | 3,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5027% | 3,037 |
| Memoranda: | ||
| Average total assets | $406,515,333 | 1,981 |
| Average earning assets | $388,410,000 | 1,955 |
| Average equity | $36,082,000 | 2,267 |
| Average total loans | $361,796,000 | 1,516 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1673% | 285 |
| Cost of funding earning assets | 0.6767% | 598 |
| Net interest margin | 4.4906% | 363 |
| Noninterest income to average assets | 1.4444% | 646 |
| Noninterest expense to average assets | 2.0228% | 3,649 |
| Loan and lease loss provision to assets | 0.0985% | 1,368 |
| Net operating income to assets | 3.6318% | 100 |
| Return on assets (ROA) | 3.6318% | 106 |
| Pretax return on assets | 3.6318% | 128 |
| Return on Equity (ROE) | 41.7949% | 62 |
| Retained earnings to average equity (ytd only) | 18.7318% | 327 |
| Net charge-offs to loans | 0.0045% | 1,752 |
| Credit loss provision to net charge-offs | 2,500.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 946.5000% | 101 |
| Efficiency ratio | 35.0916% | 4,859 |
| Assets per employee ($millions) | 5.5952% | 3,027 |
| Cash dividends to net income (ytd only)* | 55.1818% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8602% | 4,273 |
| Loan loss allowance to noncurrent loans | 292.8977% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.7266% | 1,279 |
| Noncurrent loans to loans | 0.2937% | 3,049 |
| Net loans and leases to total assets | 87.2781% | 60 |
| Net loans and leases to deposits | 102.4520% | 228 |
| Net loans and leases to core deposits | 116.0612% | 288 |
| Total domestic deposits to total assets | 85.1892% | 3,032 |
| Equity capital to assets | 8.8363% | 3,848 |
| Core capital (leverage) ratio | 8.9914% | 3,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6250% | 2,988 |
| Memoranda: | ||
| Average total assets | $405,971,500 | 1,972 |
| Average earning assets | $389,527,500 | 1,939 |
| Average equity | $35,277,000 | 2,291 |
| Average total loans | $356,097,000 | 1,542 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4544% | 201 |
| Cost of funding earning assets | 0.9805% | 641 |
| Net interest margin | 4.4740% | 345 |
| Noninterest income to average assets | 1.8765% | 365 |
| Noninterest expense to average assets | 2.3665% | 3,220 |
| Loan and lease loss provision to assets | 0.2166% | 1,813 |
| Net operating income to assets | 3.6083% | 66 |
| Return on assets (ROA) | 3.6083% | 67 |
| Pretax return on assets | 3.6146% | 83 |
| Return on Equity (ROE) | 42.0809% | 26 |
| Retained earnings to average equity (ytd only) | 20.7115% | 63 |
| Net charge-offs to loans | 0.0147% | 2,829 |
| Credit loss provision to net charge-offs | 1,622.4490% | 518 |
| Earnings coverage of net charge-offs (x) | 286.9184% | 356 |
| Efficiency ratio | 38.1216% | 4,904 |
| Assets per employee ($millions) | 5.6040% | 2,737 |
| Cash dividends to net income (ytd only)* | 50.7817% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8499% | 4,323 |
| Loan loss allowance to noncurrent loans | 244.4535% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.7777% | 1,313 |
| Noncurrent loans to loans | 0.3477% | 2,954 |
| Net loans and leases to total assets | 86.6475% | 80 |
| Net loans and leases to deposits | 100.4880% | 354 |
| Net loans and leases to core deposits | 115.7566% | 372 |
| Total domestic deposits to total assets | 86.2267% | 2,262 |
| Equity capital to assets | 8.5410% | 4,419 |
| Core capital (leverage) ratio | 8.8234% | 3,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1606% | 3,069 |
| Memoranda: | ||
| Average total assets | $366,956,000 | 1,972 |
| Average earning assets | $354,428,800 | 1,918 |
| Average equity | $31,465,600 | 2,409 |
| Average total loans | $332,588,600 | 1,566 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6513% | 168 |
| Cost of funding earning assets | 1.0457% | 650 |
| Net interest margin | 4.6056% | 305 |
| Noninterest income to average assets | 1.9134% | 335 |
| Noninterest expense to average assets | 2.2372% | 3,587 |
| Loan and lease loss provision to assets | 0.2124% | 1,900 |
| Net operating income to assets | 3.9154% | 55 |
| Return on assets (ROA) | 3.9154% | 56 |
| Pretax return on assets | 3.9225% | 71 |
| Return on Equity (ROE) | 45.6117% | 26 |
| Retained earnings to average equity (ytd only) | 24.7852% | 53 |
| Net charge-offs to loans | 0.0204% | 2,448 |
| Credit loss provision to net charge-offs | 1,140.0000% | 765 |
| Earnings coverage of net charge-offs (x) | 221.9400% | 463 |
| Efficiency ratio | 35.0506% | 4,962 |
| Assets per employee ($millions) | 5.1769% | 3,037 |
| Cash dividends to net income (ytd only)* | 45.6604% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7811% | 4,406 |
| Loan loss allowance to noncurrent loans | 198.7805% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.8907% | 1,293 |
| Noncurrent loans to loans | 0.3929% | 2,886 |
| Net loans and leases to total assets | 93.1421% | 10 |
| Net loans and leases to deposits | 109.3576% | 240 |
| Net loans and leases to core deposits | 130.6162% | 241 |
| Total domestic deposits to total assets | 85.1721% | 2,369 |
| Equity capital to assets | 8.9104% | 4,177 |
| Core capital (leverage) ratio | 8.8910% | 3,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7995% | 2,964 |
| Memoranda: | ||
| Average total assets | $357,822,250 | 1,990 |
| Average earning assets | $346,412,750 | 1,936 |
| Average equity | $30,716,500 | 2,431 |
| Average total loans | $327,582,750 | 1,582 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1767% | 599 |
| Cost of funding earning assets | 1.1148% | 683 |
| Net interest margin | 4.0618% | 1,193 |
| Noninterest income to average assets | 2.3878% | 235 |
| Noninterest expense to average assets | 2.3063% | 3,497 |
| Loan and lease loss provision to assets | 0.1965% | 2,076 |
| Net operating income to assets | 3.8243% | 55 |
| Return on assets (ROA) | 3.8243% | 56 |
| Pretax return on assets | 3.8323% | 70 |
| Return on Equity (ROE) | 45.1655% | 23 |
| Retained earnings to average equity (ytd only) | 28.5026% | 35 |
| Net charge-offs to loans | 0.0031% | 2,882 |
| Credit loss provision to net charge-offs | 6,900.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 1,414.6000% | 57 |
| Efficiency ratio | 36.3424% | 4,976 |
| Assets per employee ($millions) | 5.4050% | 2,732 |
| Cash dividends to net income (ytd only)* | 36.8931% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7636% | 4,429 |
| Loan loss allowance to noncurrent loans | 253.5225% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.7932% | 1,565 |
| Noncurrent loans to loans | 0.3012% | 3,312 |
| Net loans and leases to total assets | 88.9941% | 47 |
| Net loans and leases to deposits | 103.9668% | 380 |
| Net loans and leases to core deposits | 125.0217% | 328 |
| Total domestic deposits to total assets | 85.5986% | 2,165 |
| Equity capital to assets | 8.5114% | 4,469 |
| Core capital (leverage) ratio | 8.6579% | 4,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7914% | 3,015 |
| Memoranda: | ||
| Average total assets | $351,124,333 | 1,993 |
| Average earning assets | $341,224,333 | 1,938 |
| Average equity | $29,730,667 | 2,484 |
| Average total loans | $318,520,333 | 1,602 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4400% | 424 |
| Cost of funding earning assets | 1.2404% | 674 |
| Net interest margin | 4.1995% | 924 |
| Noninterest income to average assets | 1.2681% | 546 |
| Noninterest expense to average assets | 2.2542% | 3,876 |
| Loan and lease loss provision to assets | 0.1422% | 1,963 |
| Net operating income to assets | 2.9652% | 66 |
| Return on assets (ROA) | 2.9652% | 67 |
| Pretax return on assets | 2.9724% | 91 |
| Return on Equity (ROE) | 35.1226% | 25 |
| Retained earnings to average equity (ytd only) | 17.4069% | 97 |
| Net charge-offs to loans | 0.0039% | 2,440 |
| Credit loss provision to net charge-offs | 4,000.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 876.0000% | 61 |
| Efficiency ratio | 41.9205% | 4,946 |
| Assets per employee ($millions) | 5.0005% | 2,648 |
| Cash dividends to net income (ytd only)* | 50.4396% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7545% | 4,508 |
| Loan loss allowance to noncurrent loans | 161.5280% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.9648% | 1,379 |
| Noncurrent loans to loans | 0.4671% | 2,850 |
| Net loans and leases to total assets | 90.2787% | 29 |
| Net loans and leases to deposits | 106.5950% | 275 |
| Net loans and leases to core deposits | 133.7385% | 226 |
| Total domestic deposits to total assets | 84.6931% | 2,530 |
| Equity capital to assets | 8.4394% | 4,858 |
| Core capital (leverage) ratio | 8.6204% | 4,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6725% | 3,366 |
| Memoranda: | ||
| Average total assets | $337,510,500 | 2,009 |
| Average earning assets | $329,561,500 | 1,938 |
| Average equity | $28,494,500 | 2,539 |
| Average total loans | $308,129,500 | 1,605 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5848% | 490 |
| Cost of funding earning assets | 1.3440% | 671 |
| Net interest margin | 4.2409% | 1,228 |
| Noninterest income to average assets | 1.3277% | 539 |
| Noninterest expense to average assets | 2.5949% | 3,187 |
| Loan and lease loss provision to assets | 0.1078% | 1,927 |
| Net operating income to assets | 2.7442% | 98 |
| Return on assets (ROA) | 2.7442% | 104 |
| Pretax return on assets | 2.7442% | 138 |
| Return on Equity (ROE) | 32.0508% | 32 |
| Retained earnings to average equity (ytd only) | 16.0525% | 67 |
| Net charge-offs to loans | 0.0103% | 3,319 |
| Credit loss provision to net charge-offs | 1,160.7143% | 298 |
| Earnings coverage of net charge-offs (x) | 307.0357% | 281 |
| Efficiency ratio | 47.5547% | 4,851 |
| Assets per employee ($millions) | 4.8527% | 2,772 |
| Cash dividends to net income (ytd only)* | 49.9154% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7444% | 4,473 |
| Loan loss allowance to noncurrent loans | 138.7793% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.9937% | 1,253 |
| Noncurrent loans to loans | 0.5364% | 2,566 |
| Net loans and leases to total assets | 90.9575% | 30 |
| Net loans and leases to deposits | 107.7855% | 230 |
| Net loans and leases to core deposits | 137.4841% | 193 |
| Total domestic deposits to total assets | 84.3875% | 2,722 |
| Equity capital to assets | 8.4458% | 4,932 |
| Core capital (leverage) ratio | 8.7169% | 4,718 |
| Tier 1 risk-based capital ratio | 9.7659% | 5,143 |
| Total risk-based capital ratio | 10.5596% | 5,155 |
| Memoranda: | ||
| Average total assets | $301,433,800 | 2,160 |
| Average earning assets | $292,792,200 | 2,073 |
| Average equity | $25,809,000 | 2,650 |
| Average total loans | $271,795,400 | 1,722 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6199% | 473 |
| Cost of funding earning assets | 1.3608% | 657 |
| Net interest margin | 4.2591% | 1,252 |
| Noninterest income to average assets | 1.3351% | 528 |
| Noninterest expense to average assets | 2.5402% | 3,323 |
| Loan and lease loss provision to assets | 0.0929% | 2,053 |
| Net operating income to assets | 2.8284% | 101 |
| Return on assets (ROA) | 2.8284% | 106 |
| Pretax return on assets | 2.8284% | 143 |
| Return on Equity (ROE) | 32.9085% | 26 |
| Retained earnings to average equity (ytd only) | 16.9577% | 83 |
| Net charge-offs to loans | 0.0116% | 2,949 |
| Credit loss provision to net charge-offs | 891.3043% | 397 |
| Earnings coverage of net charge-offs (x) | 280.3104% | 329 |
| Efficiency ratio | 46.4455% | 4,917 |
| Assets per employee ($millions) | 4.6008% | 3,051 |
| Cash dividends to net income (ytd only)* | 48.4703% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7761% | 4,473 |
| Loan loss allowance to noncurrent loans | 217.7370% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.8970% | 1,513 |
| Noncurrent loans to loans | 0.3564% | 3,263 |
| Net loans and leases to total assets | 88.5912% | 76 |
| Net loans and leases to deposits | 106.0586% | 321 |
| Net loans and leases to core deposits | 136.5480% | 220 |
| Total domestic deposits to total assets | 83.5304% | 2,982 |
| Equity capital to assets | 8.7373% | 4,906 |
| Core capital (leverage) ratio | 8.8517% | 4,747 |
| Tier 1 risk-based capital ratio | 10.3657% | 5,118 |
| Total risk-based capital ratio | 11.1944% | 5,149 |
| Memoranda: | ||
| Average total assets | $294,295,750 | 2,205 |
| Average earning assets | $285,124,000 | 2,131 |
| Average equity | $25,293,750 | 2,706 |
| Average total loans | $264,144,750 | 1,766 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5924% | 475 |
| Cost of funding earning assets | 1.3443% | 652 |
| Net interest margin | 4.2481% | 1,245 |
| Noninterest income to average assets | 1.2408% | 560 |
| Noninterest expense to average assets | 2.5597% | 3,304 |
| Loan and lease loss provision to assets | 0.0863% | 2,117 |
| Net operating income to assets | 2.7102% | 118 |
| Return on assets (ROA) | 2.7102% | 124 |
| Pretax return on assets | 2.7102% | 178 |
| Return on Equity (ROE) | 31.7206% | 36 |
| Retained earnings to average equity (ytd only) | 18.1353% | 81 |
| Net charge-offs to loans | 0.0184% | 2,506 |
| Credit loss provision to net charge-offs | 520.8333% | 581 |
| Earnings coverage of net charge-offs (x) | 168.7500% | 447 |
| Efficiency ratio | 47.7891% | 4,907 |
| Assets per employee ($millions) | 4.5170% | 3,114 |
| Cash dividends to net income (ytd only)* | 42.8280% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7638% | 4,569 |
| Loan loss allowance to noncurrent loans | 1,116.8478% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.3056% | 3,320 |
| Noncurrent loans to loans | 0.0684% | 4,376 |
| Net loans and leases to total assets | 89.5533% | 62 |
| Net loans and leases to deposits | 108.3026% | 262 |
| Net loans and leases to core deposits | 142.3612% | 179 |
| Total domestic deposits to total assets | 82.6881% | 3,310 |
| Equity capital to assets | 8.6917% | 4,961 |
| Core capital (leverage) ratio | 8.9047% | 4,711 |
| Tier 1 risk-based capital ratio | 10.2318% | 5,192 |
| Total risk-based capital ratio | 11.0497% | 5,219 |
| Memoranda: | ||
| Average total assets | $289,643,330 | 2,238 |
| Average earning assets | $280,596,330 | 2,163 |
| Average equity | $24,747,330 | 2,748 |
| Average total loans | $260,452,670 | 1,792 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5751% | 452 |
| Cost of funding earning assets | 1.3319% | 594 |
| Net interest margin | 4.2431% | 1,213 |
| Noninterest income to average assets | 1.0441% | 732 |
| Noninterest expense to average assets | 2.4120% | 3,742 |
| Loan and lease loss provision to assets | 0.0561% | 2,546 |
| Net operating income to assets | 2.6881% | 122 |
| Return on assets (ROA) | 2.6881% | 133 |
| Pretax return on assets | 2.6881% | 185 |
| Return on Equity (ROE) | 31.7484% | 42 |
| Retained earnings to average equity (ytd only) | 18.5227% | 130 |
| Net charge-offs to loans | 0.0172% | 2,125 |
| Credit loss provision to net charge-offs | 363.6364% | 742 |
| Earnings coverage of net charge-offs (x) | 178.0000% | 431 |
| Efficiency ratio | 46.7790% | 4,991 |
| Assets per employee ($millions) | 4.3397% | 3,432 |
| Cash dividends to net income (ytd only)* | 41.6580% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7588% | 4,641 |
| Loan loss allowance to noncurrent loans | 2,959.7015% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.2466% | 3,628 |
| Noncurrent loans to loans | 0.0256% | 4,668 |
| Net loans and leases to total assets | 89.2024% | 64 |
| Net loans and leases to deposits | 107.8957% | 273 |
| Net loans and leases to core deposits | 141.6500% | 174 |
| Total domestic deposits to total assets | 82.6747% | 3,514 |
| Equity capital to assets | 8.5129% | 4,980 |
| Core capital (leverage) ratio | 8.6715% | 4,897 |
| Tier 1 risk-based capital ratio | 10.1635% | 5,250 |
| Total risk-based capital ratio | 10.9834% | 5,290 |
| Memoranda: | ||
| Average total assets | $285,403,000 | 2,281 |
| Average earning assets | $276,588,500 | 2,200 |
| Average equity | $24,165,000 | 2,794 |
| Average total loans | $256,161,500 | 1,826 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2778% | 606 |
| Cost of funding earning assets | 1.1036% | 488 |
| Net interest margin | 4.1742% | 1,470 |
| Noninterest income to average assets | 1.2343% | 612 |
| Noninterest expense to average assets | 2.5911% | 3,364 |
| Loan and lease loss provision to assets | 0.0766% | 2,599 |
| Net operating income to assets | 2.5880% | 126 |
| Return on assets (ROA) | 2.5880% | 124 |
| Pretax return on assets | 2.5903% | 174 |
| Return on Equity (ROE) | 30.4097% | 35 |
| Retained earnings to average equity (ytd only) | 12.8244% | 247 |
| Net charge-offs to loans | 0.0507% | 2,430 |
| Credit loss provision to net charge-offs | 168.0672% | 1,654 |
| Earnings coverage of net charge-offs (x) | 58.5210% | 1,036 |
| Efficiency ratio | 49.2790% | 4,980 |
| Assets per employee ($millions) | 4.4452% | 3,246 |
| Cash dividends to net income (ytd only)* | 57.8278% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7786% | 4,609 |
| Loan loss allowance to noncurrent loans | 800.8197% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.3192% | 3,275 |
| Noncurrent loans to loans | 0.0972% | 4,303 |
| Net loans and leases to total assets | 88.9215% | 82 |
| Net loans and leases to deposits | 107.8246% | 314 |
| Net loans and leases to core deposits | 140.8559% | 193 |
| Total domestic deposits to total assets | 82.4687% | 3,497 |
| Equity capital to assets | 8.4193% | 4,976 |
| Core capital (leverage) ratio | 8.6068% | 4,953 |
| Tier 1 risk-based capital ratio | 10.0972% | 5,280 |
| Total risk-based capital ratio | 10.9367% | 5,326 |
| Memoranda: | ||
| Average total assets | $261,124,600 | 2,394 |
| Average earning assets | $251,714,400 | 2,325 |
| Average equity | $22,223,200 | 2,884 |
| Average total loans | $234,759,800 | 1,914 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2367% | 581 |
| Cost of funding earning assets | 1.0530% | 477 |
| Net interest margin | 4.1838% | 1,402 |
| Noninterest income to average assets | 1.3276% | 540 |
| Noninterest expense to average assets | 2.5159% | 3,541 |
| Loan and lease loss provision to assets | 0.0884% | 2,205 |
| Net operating income to assets | 2.7514% | 108 |
| Return on assets (ROA) | 2.7514% | 108 |
| Pretax return on assets | 2.7545% | 149 |
| Return on Equity (ROE) | 32.2351% | 33 |
| Retained earnings to average equity (ytd only) | 14.5731% | 196 |
| Net charge-offs to loans | 0.0029% | 3,372 |
| Credit loss provision to net charge-offs | 3,400.0000% | 123 |
| Earnings coverage of net charge-offs (x) | 1,092.8261% | 74 |
| Efficiency ratio | 46.9481% | 5,105 |
| Assets per employee ($millions) | 4.4342% | 3,221 |
| Cash dividends to net income (ytd only)* | 54.7912% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8355% | 4,505 |
| Loan loss allowance to noncurrent loans | 4,528.8889% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.2784% | 3,568 |
| Noncurrent loans to loans | 0.0184% | 4,830 |
| Net loans and leases to total assets | 89.4228% | 92 |
| Net loans and leases to deposits | 112.1217% | 232 |
| Net loans and leases to core deposits | 148.6696% | 142 |
| Total domestic deposits to total assets | 79.7551% | 4,161 |
| Equity capital to assets | 8.5383% | 4,900 |
| Core capital (leverage) ratio | 8.9837% | 4,723 |
| Tier 1 risk-based capital ratio | 10.1487% | 5,346 |
| Total risk-based capital ratio | 11.0468% | 5,377 |
| Memoranda: | ||
| Average total assets | $256,394,000 | 2,445 |
| Average earning assets | $247,044,750 | 2,369 |
| Average equity | $21,884,500 | 2,925 |
| Average total loans | $230,705,750 | 1,950 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1804% | 573 |
| Cost of funding earning assets | 1.0203% | 426 |
| Net interest margin | 4.1601% | 1,377 |
| Noninterest income to average assets | 1.3413% | 534 |
| Noninterest expense to average assets | 2.5992% | 3,331 |
| Loan and lease loss provision to assets | 0.1112% | 1,774 |
| Net operating income to assets | 2.6468% | 119 |
| Return on assets (ROA) | 2.6468% | 118 |
| Pretax return on assets | 2.6516% | 169 |
| Return on Equity (ROE) | 31.0135% | 32 |
| Retained earnings to average equity (ytd only) | 15.1576% | 192 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4736% | 5,094 |
| Assets per employee ($millions) | 4.3396% | 3,365 |
| Cash dividends to net income (ytd only)* | 51.1258% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8701% | 4,470 |
| Loan loss allowance to noncurrent loans | 11,841.1765% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.2784% | 3,661 |
| Noncurrent loans to loans | 0.0073% | 4,921 |
| Net loans and leases to total assets | 88.0792% | 131 |
| Net loans and leases to deposits | 107.9599% | 350 |
| Net loans and leases to core deposits | 142.6172% | 173 |
| Total domestic deposits to total assets | 81.5851% | 3,846 |
| Equity capital to assets | 8.5830% | 4,885 |
| Core capital (leverage) ratio | 8.9385% | 4,738 |
| Tier 1 risk-based capital ratio | 10.5265% | 5,263 |
| Total risk-based capital ratio | 11.4770% | 5,288 |
| Memoranda: | ||
| Average total assets | $251,696,000 | 2,490 |
| Average earning assets | $243,264,330 | 2,413 |
| Average equity | $21,481,000 | 2,969 |
| Average total loans | $226,302,330 | 1,983 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1131% | 570 |
| Cost of funding earning assets | 1.0189% | 338 |
| Net interest margin | 4.0941% | 1,451 |
| Noninterest income to average assets | 1.2144% | 629 |
| Noninterest expense to average assets | 2.4305% | 3,861 |
| Loan and lease loss provision to assets | 0.1455% | 1,281 |
| Net operating income to assets | 2.6019% | 123 |
| Return on assets (ROA) | 2.6019% | 124 |
| Pretax return on assets | 2.6019% | 185 |
| Return on Equity (ROE) | 30.5785% | 39 |
| Retained earnings to average equity (ytd only) | 11.4978% | 790 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9394% | 5,236 |
| Assets per employee ($millions) | 4.2916% | 3,503 |
| Cash dividends to net income (ytd only)* | 62.3990% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8784% | 4,539 |
| Loan loss allowance to noncurrent loans | 2,582.8947% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.3150% | 3,569 |
| Noncurrent loans to loans | 0.0340% | 4,815 |
| Net loans and leases to total assets | 88.9957% | 91 |
| Net loans and leases to deposits | 108.0069% | 318 |
| Net loans and leases to core deposits | 150.9115% | 121 |
| Total domestic deposits to total assets | 82.3981% | 3,839 |
| Equity capital to assets | 8.5685% | 4,926 |
| Core capital (leverage) ratio | 8.6567% | 5,016 |
| Tier 1 risk-based capital ratio | 10.4450% | 5,368 |
| Total risk-based capital ratio | 11.4128% | 5,391 |
| Memoranda: | ||
| Average total assets | $247,356,000 | 2,539 |
| Average earning assets | $239,465,500 | 2,450 |
| Average equity | $21,047,500 | 3,041 |
| Average total loans | $223,778,500 | 2,008 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9216% | 766 |
| Cost of funding earning assets | 0.9298% | 323 |
| Net interest margin | 3.9918% | 1,775 |
| Noninterest income to average assets | 1.3424% | 581 |
| Noninterest expense to average assets | 2.5740% | 3,528 |
| Loan and lease loss provision to assets | 0.1792% | 1,206 |
| Net operating income to assets | 2.4524% | 127 |
| Return on assets (ROA) | 2.4524% | 126 |
| Pretax return on assets | 2.4592% | 189 |
| Return on Equity (ROE) | 29.4552% | 36 |
| Retained earnings to average equity (ytd only) | 12.5680% | 154 |
| Net charge-offs to loans | 0.0561% | 2,685 |
| Credit loss provision to net charge-offs | 352.9412% | 833 |
| Earnings coverage of net charge-offs (x) | 51.9748% | 1,059 |
| Efficiency ratio | 49.3821% | 5,253 |
| Assets per employee ($millions) | 4.3123% | 3,466 |
| Cash dividends to net income (ytd only)* | 57.3317% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8359% | 4,714 |
| Loan loss allowance to noncurrent loans | 2,432.4675% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.3194% | 3,599 |
| Noncurrent loans to loans | 0.0344% | 4,855 |
| Net loans and leases to total assets | 90.3987% | 67 |
| Net loans and leases to deposits | 109.7690% | 275 |
| Net loans and leases to core deposits | 145.2816% | 158 |
| Total domestic deposits to total assets | 82.3536% | 3,773 |
| Equity capital to assets | 8.4487% | 5,158 |
| Core capital (leverage) ratio | 8.6133% | 5,030 |
| Tier 1 risk-based capital ratio | 10.0814% | 5,511 |
| Total risk-based capital ratio | 10.9937% | 5,544 |
| Memoranda: | ||
| Average total assets | $234,425,400 | 2,608 |
| Average earning assets | $227,264,600 | 2,523 |
| Average equity | $19,517,800 | 3,197 |
| Average total loans | $212,013,200 | 2,059 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8825% | 785 |
| Cost of funding earning assets | 0.9181% | 317 |
| Net interest margin | 3.9644% | 1,818 |
| Noninterest income to average assets | 1.3559% | 569 |
| Noninterest expense to average assets | 2.5050% | 3,713 |
| Loan and lease loss provision to assets | 0.1814% | 1,100 |
| Net operating income to assets | 2.5131% | 134 |
| Return on assets (ROA) | 2.5131% | 134 |
| Pretax return on assets | 2.5131% | 201 |
| Return on Equity (ROE) | 30.3030% | 31 |
| Retained earnings to average equity (ytd only) | 12.7252% | 241 |
| Net charge-offs to loans | 0.0759% | 2,051 |
| Credit loss provision to net charge-offs | 264.7059% | 1,085 |
| Earnings coverage of net charge-offs (x) | 39.3284% | 1,316 |
| Efficiency ratio | 48.1785% | 5,333 |
| Assets per employee ($millions) | 4.1403% | 3,756 |
| Cash dividends to net income (ytd only)* | 58.0070% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8176% | 4,847 |
| Loan loss allowance to noncurrent loans | 2,296.1039% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.3326% | 3,719 |
| Noncurrent loans to loans | 0.0356% | 4,957 |
| Net loans and leases to total assets | 90.8839% | 56 |
| Net loans and leases to deposits | 110.9774% | 253 |
| Net loans and leases to core deposits | 143.0119% | 173 |
| Total domestic deposits to total assets | 81.8940% | 3,813 |
| Equity capital to assets | 8.5547% | 5,253 |
| Core capital (leverage) ratio | 8.6171% | 5,138 |
| Tier 1 risk-based capital ratio | 10.1955% | 5,550 |
| Total risk-based capital ratio | 11.0920% | 5,597 |
| Memoranda: | ||
| Average total assets | $231,581,500 | 2,648 |
| Average earning assets | $224,524,500 | 2,570 |
| Average equity | $19,205,500 | 3,250 |
| Average total loans | $208,998,000 | 2,092 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8302% | 805 |
| Cost of funding earning assets | 0.8948% | 319 |
| Net interest margin | 3.9354% | 1,825 |
| Noninterest income to average assets | 1.3229% | 601 |
| Noninterest expense to average assets | 2.5423% | 3,607 |
| Loan and lease loss provision to assets | 0.1825% | 1,034 |
| Net operating income to assets | 2.3954% | 151 |
| Return on assets (ROA) | 2.3954% | 150 |
| Pretax return on assets | 2.4093% | 246 |
| Return on Equity (ROE) | 29.1985% | 39 |
| Retained earnings to average equity (ytd only) | 13.1478% | 245 |
| Net charge-offs to loans | 0.1152% | 1,483 |
| Credit loss provision to net charge-offs | 176.4706% | 1,371 |
| Earnings coverage of net charge-offs (x) | 25.0588% | 1,620 |
| Efficiency ratio | 49.5175% | 5,330 |
| Assets per employee ($millions) | 4.2715% | 3,487 |
| Cash dividends to net income (ytd only)* | 54.9710% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7895% | 4,976 |
| Loan loss allowance to noncurrent loans | 2,132.0513% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.3286% | 3,810 |
| Noncurrent loans to loans | 0.0370% | 5,006 |
| Net loans and leases to total assets | 87.3596% | 179 |
| Net loans and leases to deposits | 106.0004% | 399 |
| Net loans and leases to core deposits | 138.2901% | 203 |
| Total domestic deposits to total assets | 82.4144% | 3,764 |
| Equity capital to assets | 8.1901% | 5,451 |
| Core capital (leverage) ratio | 8.3721% | 5,305 |
| Tier 1 risk-based capital ratio | 10.0352% | 5,621 |
| Total risk-based capital ratio | 10.8903% | 5,669 |
| Memoranda: | ||
| Average total assets | $230,109,000 | 2,681 |
| Average earning assets | $222,847,330 | 2,595 |
| Average equity | $18,877,670 | 3,291 |
| Average total loans | $206,579,670 | 2,111 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7398% | 864 |
| Cost of funding earning assets | 0.8631% | 349 |
| Net interest margin | 3.8767% | 1,865 |
| Noninterest income to average assets | 1.1225% | 789 |
| Noninterest expense to average assets | 2.3958% | 4,124 |
| Loan and lease loss provision to assets | 0.1862% | 908 |
| Net operating income to assets | 2.3319% | 187 |
| Return on assets (ROA) | 2.3319% | 188 |
| Pretax return on assets | 2.3319% | 286 |
| Return on Equity (ROE) | 28.4002% | 54 |
| Retained earnings to average equity (ytd only) | 8.5741% | 1,242 |
| Net charge-offs to loans | 0.0860% | 1,487 |
| Credit loss provision to net charge-offs | 238.6364% | 913 |
| Earnings coverage of net charge-offs (x) | 32.2727% | 1,176 |
| Efficiency ratio | 48.7550% | 5,430 |
| Assets per employee ($millions) | 4.0895% | 3,862 |
| Cash dividends to net income (ytd only)* | 69.8099% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7879% | 5,100 |
| Loan loss allowance to noncurrent loans | 341.6318% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.4035% | 3,580 |
| Noncurrent loans to loans | 0.2306% | 4,289 |
| Net loans and leases to total assets | 89.7904% | 65 |
| Net loans and leases to deposits | 109.4522% | 227 |
| Net loans and leases to core deposits | 146.5750% | 119 |
| Total domestic deposits to total assets | 82.0362% | 4,155 |
| Equity capital to assets | 8.1791% | 5,431 |
| Core capital (leverage) ratio | 8.3972% | 5,310 |
| Tier 1 risk-based capital ratio | 9.8973% | 5,718 |
| Total risk-based capital ratio | 10.7634% | 5,760 |
| Memoranda: | ||
| Average total assets | $225,562,500 | 2,744 |
| Average earning assets | $220,601,500 | 2,634 |
| Average equity | $18,521,000 | 3,342 |
| Average total loans | $204,555,000 | 2,141 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9193% | 712 |
| Cost of funding earning assets | 0.8102% | 477 |
| Net interest margin | 4.1091% | 1,364 |
| Noninterest income to average assets | 1.4659% | 542 |
| Noninterest expense to average assets | 2.6349% | 3,573 |
| Loan and lease loss provision to assets | 0.1684% | 1,452 |
| Net operating income to assets | 2.6286% | 122 |
| Return on assets (ROA) | 2.6286% | 125 |
| Pretax return on assets | 2.6286% | 166 |
| Return on Equity (ROE) | 31.3074% | 31 |
| Retained earnings to average equity (ytd only) | 13.8601% | 134 |
| Net charge-offs to loans | 0.0773% | 2,585 |
| Credit loss provision to net charge-offs | 242.9577% | 1,196 |
| Earnings coverage of net charge-offs (x) | 40.3521% | 1,169 |
| Efficiency ratio | 48.5083% | 5,553 |
| Assets per employee ($millions) | 4.0384% | 3,898 |
| Cash dividends to net income (ytd only)* | 55.7289% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7788% | 5,162 |
| Loan loss allowance to noncurrent loans | 328.8703% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.4160% | 3,605 |
| Noncurrent loans to loans | 0.2368% | 4,300 |
| Net loans and leases to total assets | 90.1677% | 67 |
| Net loans and leases to deposits | 110.3985% | 217 |
| Net loans and leases to core deposits | 147.6464% | 126 |
| Total domestic deposits to total assets | 81.6747% | 4,155 |
| Equity capital to assets | 8.2440% | 5,449 |
| Core capital (leverage) ratio | 8.5339% | 5,228 |
| Tier 1 risk-based capital ratio | 9.9992% | 5,738 |
| Total risk-based capital ratio | 10.8599% | 5,790 |
| Memoranda: | ||
| Average total assets | $204,863,000 | 2,902 |
| Average earning assets | $197,733,200 | 2,817 |
| Average equity | $17,200,400 | 3,527 |
| Average total loans | $183,720,800 | 2,276 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9270% | 690 |
| Cost of funding earning assets | 0.8071% | 490 |
| Net interest margin | 4.1199% | 1,340 |
| Noninterest income to average assets | 1.5298% | 524 |
| Noninterest expense to average assets | 2.5675% | 3,772 |
| Loan and lease loss provision to assets | 0.1596% | 1,452 |
| Net operating income to assets | 2.7696% | 105 |
| Return on assets (ROA) | 2.7696% | 110 |
| Pretax return on assets | 2.7696% | 147 |
| Return on Equity (ROE) | 32.8229% | 26 |
| Retained earnings to average equity (ytd only) | 15.1272% | 130 |
| Net charge-offs to loans | 0.1057% | 1,887 |
| Credit loss provision to net charge-offs | 169.0141% | 1,640 |
| Earnings coverage of net charge-offs (x) | 31.0279% | 1,456 |
| Efficiency ratio | 46.7102% | 5,641 |
| Assets per employee ($millions) | 4.1828% | 3,627 |
| Cash dividends to net income (ytd only)* | 53.9126% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7870% | 5,224 |
| Loan loss allowance to noncurrent loans | 319.6078% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.4772% | 3,526 |
| Noncurrent loans to loans | 0.2462% | 4,386 |
| Net loans and leases to total assets | 88.4278% | 113 |
| Net loans and leases to deposits | 108.2693% | 302 |
| Net loans and leases to core deposits | 146.7218% | 148 |
| Total domestic deposits to total assets | 81.6739% | 4,047 |
| Equity capital to assets | 8.5637% | 5,497 |
| Core capital (leverage) ratio | 8.6872% | 5,165 |
| Tier 1 risk-based capital ratio | 10.7109% | 5,518 |
| Total risk-based capital ratio | 11.5907% | 5,609 |
| Memoranda: | ||
| Average total assets | $200,550,250 | 2,962 |
| Average earning assets | $193,107,250 | 2,880 |
| Average equity | $16,922,750 | 3,592 |
| Average total loans | $179,189,250 | 2,317 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8259% | 842 |
| Cost of funding earning assets | 0.7963% | 503 |
| Net interest margin | 4.0297% | 1,557 |
| Noninterest income to average assets | 1.4285% | 566 |
| Noninterest expense to average assets | 2.5556% | 3,876 |
| Loan and lease loss provision to assets | 0.1366% | 1,660 |
| Net operating income to assets | 2.6173% | 135 |
| Return on assets (ROA) | 2.6173% | 134 |
| Pretax return on assets | 2.6173% | 186 |
| Return on Equity (ROE) | 31.1806% | 38 |
| Retained earnings to average equity (ytd only) | 16.2472% | 109 |
| Net charge-offs to loans | 0.0453% | 2,566 |
| Credit loss provision to net charge-offs | 337.5000% | 878 |
| Earnings coverage of net charge-offs (x) | 68.0500% | 796 |
| Efficiency ratio | 48.1326% | 5,658 |
| Assets per employee ($millions) | 4.0197% | 3,866 |
| Cash dividends to net income (ytd only)* | 47.8933% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8009% | 5,284 |
| Loan loss allowance to noncurrent loans | 236.5105% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.5205% | 3,474 |
| Noncurrent loans to loans | 0.3386% | 4,149 |
| Net loans and leases to total assets | 86.7512% | 202 |
| Net loans and leases to deposits | 105.8614% | 375 |
| Net loans and leases to core deposits | 142.9194% | 163 |
| Total domestic deposits to total assets | 81.9478% | 4,011 |
| Equity capital to assets | 8.2934% | 5,701 |
| Core capital (leverage) ratio | 8.7837% | 5,077 |
| Tier 1 risk-based capital ratio | 10.6500% | 5,605 |
| Total risk-based capital ratio | 11.5518% | 5,676 |
| Memoranda: | ||
| Average total assets | $197,687,330 | 3,004 |
| Average earning assets | $190,388,000 | 2,922 |
| Average equity | $16,593,670 | 3,647 |
| Average total loans | $176,784,330 | 2,342 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8935% | 700 |
| Cost of funding earning assets | 0.7923% | 505 |
| Net interest margin | 4.1012% | 1,343 |
| Noninterest income to average assets | 1.1999% | 758 |
| Noninterest expense to average assets | 2.5810% | 3,809 |
| Loan and lease loss provision to assets | 0.1250% | 1,696 |
| Net operating income to assets | 2.4727% | 161 |
| Return on assets (ROA) | 2.4727% | 167 |
| Pretax return on assets | 2.4727% | 248 |
| Return on Equity (ROE) | 29.2671% | 57 |
| Retained earnings to average equity (ytd only) | 11.8350% | 528 |
| Net charge-offs to loans | 0.0921% | 1,590 |
| Credit loss provision to net charge-offs | 150.0000% | 1,273 |
| Earnings coverage of net charge-offs (x) | 31.1750% | 1,164 |
| Efficiency ratio | 49.8391% | 5,637 |
| Assets per employee ($millions) | 3.7835% | 4,335 |
| Cash dividends to net income (ytd only)* | 59.5619% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7968% | 5,367 |
| Loan loss allowance to noncurrent loans | 553.3865% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.4125% | 3,936 |
| Noncurrent loans to loans | 0.1440% | 4,901 |
| Net loans and leases to total assets | 89.6231% | 72 |
| Net loans and leases to deposits | 108.6596% | 259 |
| Net loans and leases to core deposits | 144.5957% | 136 |
| Total domestic deposits to total assets | 82.4806% | 4,074 |
| Equity capital to assets | 8.5371% | 5,543 |
| Core capital (leverage) ratio | 8.6967% | 5,178 |
| Tier 1 risk-based capital ratio | 10.8626% | 5,574 |
| Total risk-based capital ratio | 11.7785% | 5,643 |
| Memoranda: | ||
| Average total assets | $192,020,000 | 3,078 |
| Average earning assets | $186,289,000 | 2,982 |
| Average equity | $16,223,000 | 3,700 |
| Average total loans | $173,780,000 | 2,370 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0173% | 605 |
| Cost of funding earning assets | 0.7814% | 542 |
| Net interest margin | 4.2359% | 1,089 |
| Noninterest income to average assets | 1.3827% | 630 |
| Noninterest expense to average assets | 2.7268% | 3,494 |
| Loan and lease loss provision to assets | 0.1136% | 2,110 |
| Net operating income to assets | 2.6519% | 124 |
| Return on assets (ROA) | 2.6519% | 125 |
| Pretax return on assets | 2.6519% | 160 |
| Return on Equity (ROE) | 31.0687% | 52 |
| Retained earnings to average equity (ytd only) | 11.9219% | 256 |
| Net charge-offs to loans | 0.0250% | 3,740 |
| Credit loss provision to net charge-offs | 500.0000% | 638 |
| Earnings coverage of net charge-offs (x) | 121.7500% | 497 |
| Efficiency ratio | 49.6485% | 5,774 |
| Assets per employee ($millions) | 3.8216% | 4,252 |
| Cash dividends to net income (ytd only)* | 61.6274% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7903% | 5,434 |
| Loan loss allowance to noncurrent loans | 379.2244% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.4124% | 3,951 |
| Noncurrent loans to loans | 0.2084% | 4,671 |
| Net loans and leases to total assets | 89.9441% | 65 |
| Net loans and leases to deposits | 109.1164% | 267 |
| Net loans and leases to core deposits | 145.3790% | 134 |
| Total domestic deposits to total assets | 82.4295% | 4,042 |
| Equity capital to assets | 8.3592% | 5,659 |
| Core capital (leverage) ratio | 8.5392% | 5,386 |
| Tier 1 risk-based capital ratio | 10.5671% | 5,745 |
| Total risk-based capital ratio | 11.4728% | 5,813 |
| Memoranda: | ||
| Average total assets | $176,100,800 | 3,217 |
| Average earning assets | $170,849,000 | 3,119 |
| Average equity | $15,031,200 | 3,834 |
| Average total loans | $159,823,600 | 2,473 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0278% | 583 |
| Cost of funding earning assets | 0.7864% | 533 |
| Net interest margin | 4.2414% | 1,075 |
| Noninterest income to average assets | 1.4860% | 560 |
| Noninterest expense to average assets | 2.6843% | 3,614 |
| Loan and lease loss provision to assets | 0.1199% | 1,898 |
| Net operating income to assets | 2.7996% | 107 |
| Return on assets (ROA) | 2.7996% | 107 |
| Pretax return on assets | 2.7996% | 144 |
| Return on Equity (ROE) | 32.6121% | 38 |
| Retained earnings to average equity (ytd only) | 11.1741% | 450 |
| Net charge-offs to loans | 0.0017% | 4,123 |
| Credit loss provision to net charge-offs | 7,750.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 1,884.5955% | 33 |
| Efficiency ratio | 47.9017% | 5,871 |
| Assets per employee ($millions) | 3.4198% | 4,945 |
| Cash dividends to net income (ytd only)* | 65.7364% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8103% | 5,488 |
| Loan loss allowance to noncurrent loans | 240.6360% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.5377% | 3,695 |
| Noncurrent loans to loans | 0.3367% | 4,404 |
| Net loans and leases to total assets | 90.2869% | 56 |
| Net loans and leases to deposits | 109.0236% | 275 |
| Net loans and leases to core deposits | 143.5303% | 145 |
| Total domestic deposits to total assets | 82.8141% | 3,876 |
| Equity capital to assets | 8.3566% | 5,798 |
| Core capital (leverage) ratio | 8.6629% | 5,395 |
| Tier 1 risk-based capital ratio | 10.4186% | 5,911 |
| Total risk-based capital ratio | 11.3382% | 5,964 |
| Memoranda: | ||
| Average total assets | $172,355,500 | 3,294 |
| Average earning assets | $167,331,750 | 3,185 |
| Average equity | $14,795,750 | 3,905 |
| Average total loans | $156,470,500 | 2,525 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9886% | 605 |
| Cost of funding earning assets | 0.8039% | 489 |
| Net interest margin | 4.1847% | 1,135 |
| Noninterest income to average assets | 1.5358% | 540 |
| Noninterest expense to average assets | 2.7257% | 3,507 |
| Loan and lease loss provision to assets | 0.1070% | 2,047 |
| Net operating income to assets | 2.7625% | 117 |
| Return on assets (ROA) | 2.7625% | 120 |
| Pretax return on assets | 2.7625% | 169 |
| Return on Equity (ROE) | 31.8713% | 51 |
| Retained earnings to average equity (ytd only) | 14.1254% | 229 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7147% | 5,919 |
| Assets per employee ($millions) | 3.2559% | 5,233 |
| Cash dividends to net income (ytd only)* | 55.6799% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8279% | 5,533 |
| Loan loss allowance to noncurrent loans | 276.3830% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.5102% | 3,915 |
| Noncurrent loans to loans | 0.2996% | 4,615 |
| Net loans and leases to total assets | 88.5028% | 114 |
| Net loans and leases to deposits | 105.9518% | 376 |
| Net loans and leases to core deposits | 137.2851% | 185 |
| Total domestic deposits to total assets | 83.5312% | 3,750 |
| Equity capital to assets | 8.6573% | 5,560 |
| Core capital (leverage) ratio | 8.7860% | 5,241 |
| Tier 1 risk-based capital ratio | 11.1806% | 5,626 |
| Total risk-based capital ratio | 12.1347% | 5,689 |
| Memoranda: | ||
| Average total assets | $168,251,000 | 3,381 |
| Average earning assets | $163,213,000 | 3,257 |
| Average equity | $14,583,670 | 3,951 |
| Average total loans | $152,596,000 | 2,586 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9181% | 671 |
| Cost of funding earning assets | 0.7983% | 507 |
| Net interest margin | 4.1198% | 1,228 |
| Noninterest income to average assets | 1.2939% | 687 |
| Noninterest expense to average assets | 2.7507% | 3,416 |
| Loan and lease loss provision to assets | 0.1094% | 1,882 |
| Net operating income to assets | 2.4248% | 173 |
| Return on assets (ROA) | 2.4248% | 184 |
| Pretax return on assets | 2.4248% | 270 |
| Return on Equity (ROE) | 27.9565% | 70 |
| Retained earnings to average equity (ytd only) | 4.1500% | 3,515 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0479% | 5,806 |
| Assets per employee ($millions) | 3.3104% | 5,225 |
| Cash dividends to net income (ytd only)* | 85.1555% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8241% | 5,631 |
| Loan loss allowance to noncurrent loans | 1,217.4757% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.3202% | 4,704 |
| Noncurrent loans to loans | 0.0677% | 5,503 |
| Net loans and leases to total assets | 91.1679% | 39 |
| Net loans and leases to deposits | 109.8411% | 224 |
| Net loans and leases to core deposits | 148.0573% | 109 |
| Total domestic deposits to total assets | 82.9998% | 4,180 |
| Equity capital to assets | 8.6629% | 5,604 |
| Core capital (leverage) ratio | 8.9421% | 5,022 |
| Tier 1 risk-based capital ratio | 11.0597% | 5,777 |
| Total risk-based capital ratio | 12.0269% | 5,833 |
| Memoranda: | ||
| Average total assets | $164,468,000 | 3,448 |
| Average earning assets | $159,329,000 | 3,332 |
| Average equity | $14,265,000 | 4,028 |
| Average total loans | $150,443,000 | 2,616 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2104% | 512 |
| Cost of funding earning assets | 0.8297% | 563 |
| Net interest margin | 4.3807% | 912 |
| Noninterest income to average assets | 1.3815% | 642 |
| Noninterest expense to average assets | 2.7552% | 3,656 |
| Loan and lease loss provision to assets | 0.1502% | 1,748 |
| Net operating income to assets | 2.7297% | 116 |
| Return on assets (ROA) | 2.7297% | 117 |
| Pretax return on assets | 2.7297% | 148 |
| Return on Equity (ROE) | 31.4735% | 48 |
| Retained earnings to average equity (ytd only) | 12.4358% | 265 |
| Net charge-offs to loans | 0.0405% | 4,014 |
| Credit loss provision to net charge-offs | 403.5088% | 640 |
| Earnings coverage of net charge-offs (x) | 77.3860% | 647 |
| Efficiency ratio | 48.8935% | 6,149 |
| Assets per employee ($millions) | 3.5525% | 4,816 |
| Cash dividends to net income (ytd only)* | 60.4879% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8122% | 5,744 |
| Loan loss allowance to noncurrent loans | 702.3256% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.3666% | 4,601 |
| Noncurrent loans to loans | 0.1156% | 5,432 |
| Net loans and leases to total assets | 90.2744% | 62 |
| Net loans and leases to deposits | 110.0714% | 232 |
| Net loans and leases to core deposits | 150.4334% | 112 |
| Total domestic deposits to total assets | 82.0144% | 4,418 |
| Equity capital to assets | 8.6841% | 5,586 |
| Core capital (leverage) ratio | 8.7429% | 5,303 |
| Tier 1 risk-based capital ratio | 11.2442% | 5,795 |
| Total risk-based capital ratio | 12.2022% | 5,854 |
| Memoranda: | ||
| Average total assets | $153,165,200 | 3,581 |
| Average earning assets | $148,720,800 | 3,465 |
| Average equity | $13,284,200 | 4,138 |
| Average total loans | $140,854,000 | 2,702 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2012% | 523 |
| Cost of funding earning assets | 0.8311% | 589 |
| Net interest margin | 4.3701% | 926 |
| Noninterest income to average assets | 1.3873% | 645 |
| Noninterest expense to average assets | 2.7144% | 3,777 |
| Loan and lease loss provision to assets | 0.1549% | 1,606 |
| Net operating income to assets | 2.7586% | 111 |
| Return on assets (ROA) | 2.7586% | 110 |
| Pretax return on assets | 2.7586% | 145 |
| Return on Equity (ROE) | 31.8174% | 49 |
| Retained earnings to average equity (ytd only) | 11.2525% | 477 |
| Net charge-offs to loans | 0.0499% | 3,502 |
| Credit loss provision to net charge-offs | 336.5385% | 831 |
| Earnings coverage of net charge-offs (x) | 63.2899% | 833 |
| Efficiency ratio | 48.2303% | 6,189 |
| Assets per employee ($millions) | 3.8344% | 4,220 |
| Cash dividends to net income (ytd only)* | 64.6343% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7774% | 5,928 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.5171% | 4,330 |
| Noncurrent loans to loans | 0.2591% | 5,131 |
| Net loans and leases to total assets | 94.0113% | 8 |
| Net loans and leases to deposits | 116.2758% | 125 |
| Net loans and leases to core deposits | 164.1241% | 72 |
| Total domestic deposits to total assets | 80.8520% | 4,862 |
| Equity capital to assets | 8.6768% | 5,660 |
| Core capital (leverage) ratio | 8.8508% | 5,260 |
| Tier 1 risk-based capital ratio | 10.7971% | 6,093 |
| Total risk-based capital ratio | 11.7136% | 6,165 |
| Memoranda: | ||
| Average total assets | $150,603,000 | 3,651 |
| Average earning assets | $146,141,750 | 3,535 |
| Average equity | $13,057,500 | 4,208 |
| Average total loans | $138,885,250 | 2,748 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1582% | 545 |
| Cost of funding earning assets | 0.8449% | 573 |
| Net interest margin | 4.3133% | 998 |
| Noninterest income to average assets | 1.3491% | 658 |
| Noninterest expense to average assets | 2.6887% | 3,911 |
| Loan and lease loss provision to assets | 0.1348% | 1,835 |
| Net operating income to assets | 2.7156% | 115 |
| Return on assets (ROA) | 2.7156% | 116 |
| Pretax return on assets | 2.7156% | 153 |
| Return on Equity (ROE) | 31.3302% | 48 |
| Retained earnings to average equity (ytd only) | 13.3717% | 304 |
| Net charge-offs to loans | 0.0738% | 2,962 |
| Credit loss provision to net charge-offs | 200.0000% | 1,157 |
| Earnings coverage of net charge-offs (x) | 42.3000% | 1,018 |
| Efficiency ratio | 48.5401% | 6,256 |
| Assets per employee ($millions) | 3.6212% | 4,617 |
| Cash dividends to net income (ytd only)* | 57.3201% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7696% | 6,053 |
| Loan loss allowance to noncurrent loans | 314.4928% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.4958% | 4,522 |
| Noncurrent loans to loans | 0.2447% | 5,267 |
| Net loans and leases to total assets | 89.8454% | 57 |
| Net loans and leases to deposits | 107.8327% | 251 |
| Net loans and leases to core deposits | 154.4321% | 87 |
| Total domestic deposits to total assets | 83.3192% | 4,184 |
| Equity capital to assets | 8.6056% | 5,710 |
| Core capital (leverage) ratio | 8.9087% | 5,149 |
| Tier 1 risk-based capital ratio | 11.1995% | 5,957 |
| Total risk-based capital ratio | 12.1063% | 6,055 |
| Memoranda: | ||
| Average total assets | $148,400,000 | 3,706 |
| Average earning assets | $144,158,670 | 3,596 |
| Average equity | $12,863,000 | 4,249 |
| Average total loans | $135,528,670 | 2,785 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1420% | 550 |
| Cost of funding earning assets | 0.8646% | 545 |
| Net interest margin | 4.2774% | 1,045 |
| Noninterest income to average assets | 0.9949% | 1,139 |
| Noninterest expense to average assets | 2.6944% | 3,943 |
| Loan and lease loss provision to assets | 0.1520% | 1,596 |
| Net operating income to assets | 2.3048% | 201 |
| Return on assets (ROA) | 2.3048% | 209 |
| Pretax return on assets | 2.3048% | 305 |
| Return on Equity (ROE) | 26.4878% | 102 |
| Retained earnings to average equity (ytd only) | 3.5253% | 4,016 |
| Net charge-offs to loans | 0.0030% | 3,617 |
| Credit loss provision to net charge-offs | 5,500.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 889.0000% | 30 |
| Efficiency ratio | 52.3069% | 6,118 |
| Assets per employee ($millions) | 3.4527% | 5,028 |
| Cash dividends to net income (ytd only)* | 86.6906% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7994% | 6,104 |
| Loan loss allowance to noncurrent loans | 324.1071% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.6190% | 4,270 |
| Noncurrent loans to loans | 0.2466% | 5,366 |
| Net loans and leases to total assets | 91.0270% | 33 |
| Net loans and leases to deposits | 109.5311% | 160 |
| Net loans and leases to core deposits | 160.7484% | 72 |
| Total domestic deposits to total assets | 83.1061% | 4,573 |
| Equity capital to assets | 8.5204% | 5,636 |
| Core capital (leverage) ratio | 8.8156% | 5,249 |
| Tier 1 risk-based capital ratio | 11.0164% | 6,149 |
| Total risk-based capital ratio | 11.9647% | 6,227 |
| Memoranda: | ||
| Average total assets | $144,744,000 | 3,791 |
| Average earning assets | $140,645,500 | 3,658 |
| Average equity | $12,594,500 | 4,325 |
| Average total loans | $132,800,500 | 2,837 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5474% | 333 |
| Cost of funding earning assets | 0.9519% | 570 |
| Net interest margin | 4.5956% | 617 |
| Noninterest income to average assets | 1.5986% | 561 |
| Noninterest expense to average assets | 2.8529% | 3,520 |
| Loan and lease loss provision to assets | 0.1163% | 2,869 |
| Net operating income to assets | 3.0684% | 105 |
| Return on assets (ROA) | 3.0684% | 105 |
| Pretax return on assets | 3.0684% | 113 |
| Return on Equity (ROE) | 33.8296% | 45 |
| Retained earnings to average equity (ytd only) | 13.2139% | 237 |
| Net charge-offs to loans | 0.0819% | 4,067 |
| Credit loss provision to net charge-offs | 153.0612% | 1,511 |
| Earnings coverage of net charge-offs (x) | 41.9184% | 912 |
| Efficiency ratio | 47.2522% | 6,512 |
| Assets per employee ($millions) | 3.4395% | 5,008 |
| Cash dividends to net income (ytd only)* | 60.9399% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8001% | 6,178 |
| Loan loss allowance to noncurrent loans | 322.4299% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.6340% | 4,334 |
| Noncurrent loans to loans | 0.2481% | 5,440 |
| Net loans and leases to total assets | 91.0020% | 34 |
| Net loans and leases to deposits | 110.5501% | 169 |
| Net loans and leases to core deposits | 160.2515% | 72 |
| Total domestic deposits to total assets | 82.3174% | 4,762 |
| Equity capital to assets | 8.8916% | 5,156 |
| Core capital (leverage) ratio | 9.1549% | 4,779 |
| Tier 1 risk-based capital ratio | 11.6294% | 5,835 |
| Total risk-based capital ratio | 12.5883% | 5,936 |
| Memoranda: | ||
| Average total assets | $128,991,200 | 4,089 |
| Average earning assets | $124,598,000 | 3,960 |
| Average equity | $11,699,800 | 4,509 |
| Average total loans | $119,643,400 | 3,046 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5908% | 325 |
| Cost of funding earning assets | 0.9864% | 527 |
| Net interest margin | 4.6045% | 613 |
| Noninterest income to average assets | 1.6679% | 539 |
| Noninterest expense to average assets | 2.8267% | 3,572 |
| Loan and lease loss provision to assets | 0.1164% | 2,837 |
| Net operating income to assets | 3.1612% | 94 |
| Return on assets (ROA) | 3.1612% | 95 |
| Pretax return on assets | 3.1612% | 117 |
| Return on Equity (ROE) | 34.6612% | 45 |
| Retained earnings to average equity (ytd only) | 12.1030% | 408 |
| Net charge-offs to loans | 0.0034% | 5,138 |
| Credit loss provision to net charge-offs | 3,666.6667% | 88 |
| Earnings coverage of net charge-offs (x) | 1,032.3075% | 42 |
| Efficiency ratio | 46.3072% | 6,577 |
| Assets per employee ($millions) | 3.0377% | 5,787 |
| Cash dividends to net income (ytd only)* | 65.0821% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8816% | 6,104 |
| Loan loss allowance to noncurrent loans | 121.2458% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.8000% | 4,104 |
| Noncurrent loans to loans | 0.7271% | 4,397 |
| Net loans and leases to total assets | 93.8204% | 6 |
| Net loans and leases to deposits | 111.8870% | 133 |
| Net loans and leases to core deposits | 168.9496% | 57 |
| Total domestic deposits to total assets | 83.8528% | 4,253 |
| Equity capital to assets | 9.2143% | 4,914 |
| Core capital (leverage) ratio | 9.2420% | 4,768 |
| Tier 1 risk-based capital ratio | 12.0227% | 5,765 |
| Total risk-based capital ratio | 13.1114% | 5,814 |
| Memoranda: | ||
| Average total assets | $125,984,000 | 4,190 |
| Average earning assets | $121,386,250 | 4,064 |
| Average equity | $11,490,000 | 4,591 |
| Average total loans | $117,212,750 | 3,117 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5971% | 323 |
| Cost of funding earning assets | 0.9984% | 547 |
| Net interest margin | 4.5987% | 599 |
| Noninterest income to average assets | 1.7213% | 558 |
| Noninterest expense to average assets | 2.8287% | 3,576 |
| Loan and lease loss provision to assets | 0.0964% | 3,178 |
| Net operating income to assets | 3.2305% | 100 |
| Return on assets (ROA) | 3.2305% | 102 |
| Pretax return on assets | 3.2305% | 126 |
| Return on Equity (ROE) | 35.5501% | 43 |
| Retained earnings to average equity (ytd only) | 10.1521% | 813 |
| Net charge-offs to loans | 0.0017% | 4,886 |
| Credit loss provision to net charge-offs | 6,000.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 2,070.0000% | 11 |
| Efficiency ratio | 45.9530% | 6,640 |
| Assets per employee ($millions) | 3.0910% | 5,699 |
| Cash dividends to net income (ytd only)* | 71.4428% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8743% | 6,212 |
| Loan loss allowance to noncurrent loans | 144.5215% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.6771% | 4,528 |
| Noncurrent loans to loans | 0.6050% | 4,743 |
| Net loans and leases to total assets | 90.9977% | 28 |
| Net loans and leases to deposits | 107.4823% | 192 |
| Net loans and leases to core deposits | 160.2344% | 70 |
| Total domestic deposits to total assets | 84.6630% | 4,057 |
| Equity capital to assets | 8.9098% | 5,313 |
| Core capital (leverage) ratio | 9.1659% | 4,739 |
| Tier 1 risk-based capital ratio | 11.8633% | 5,869 |
| Total risk-based capital ratio | 12.9320% | 5,956 |
| Memoranda: | ||
| Average total assets | $124,437,670 | 4,249 |
| Average earning assets | $119,991,670 | 4,122 |
| Average equity | $11,308,000 | 4,661 |
| Average total loans | $115,070,000 | 3,167 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7368% | 257 |
| Cost of funding earning assets | 1.0248% | 536 |
| Net interest margin | 4.7120% | 462 |
| Noninterest income to average assets | 1.7873% | 504 |
| Noninterest expense to average assets | 2.8157% | 3,640 |
| Loan and lease loss provision to assets | 0.0986% | 3,038 |
| Net operating income to assets | 3.4203% | 84 |
| Return on assets (ROA) | 3.4203% | 89 |
| Pretax return on assets | 3.4203% | 114 |
| Return on Equity (ROE) | 37.2501% | 43 |
| Retained earnings to average equity (ytd only) | 13.2397% | 525 |
| Net charge-offs to loans | 0.0035% | 4,100 |
| Credit loss provision to net charge-offs | 3,000.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 1,071.0000% | 19 |
| Efficiency ratio | 44.4502% | 6,754 |
| Assets per employee ($millions) | 2.9508% | 6,069 |
| Cash dividends to net income (ytd only)* | 64.4573% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8872% | 6,292 |
| Loan loss allowance to noncurrent loans | 688.4354% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.2461% | 5,836 |
| Noncurrent loans to loans | 0.1289% | 6,085 |
| Net loans and leases to total assets | 91.2188% | 24 |
| Net loans and leases to deposits | 107.1847% | 180 |
| Net loans and leases to core deposits | 151.6540% | 87 |
| Total domestic deposits to total assets | 85.1043% | 3,989 |
| Equity capital to assets | 9.1693% | 5,292 |
| Core capital (leverage) ratio | 9.3584% | 4,306 |
| Tier 1 risk-based capital ratio | 12.1662% | 5,811 |
| Total risk-based capital ratio | 13.2497% | 5,875 |
| Memoranda: | ||
| Average total assets | $121,745,000 | 4,348 |
| Average earning assets | $117,486,500 | 4,212 |
| Average equity | $11,178,500 | 4,740 |
| Average total loans | $113,016,000 | 3,231 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9562% | 282 |
| Cost of funding earning assets | 1.1697% | 664 |
| Net interest margin | 4.7865% | 554 |
| Noninterest income to average assets | 1.7332% | 543 |
| Noninterest expense to average assets | 2.8264% | 3,915 |
| Loan and lease loss provision to assets | 0.0825% | 4,669 |
| Net operating income to assets | 3.4221% | 83 |
| Return on assets (ROA) | 3.4221% | 83 |
| Pretax return on assets | 3.4221% | 103 |
| Return on Equity (ROE) | 39.6375% | 24 |
| Retained earnings to average equity (ytd only) | 19.2002% | 69 |
| Net charge-offs to loans | 0.0057% | 5,886 |
| Credit loss provision to net charge-offs | 1,583.3333% | 150 |
| Earnings coverage of net charge-offs (x) | 672.6667% | 61 |
| Efficiency ratio | 44.6441% | 6,826 |
| Assets per employee ($millions) | 2.6568% | 6,470 |
| Cash dividends to net income (ytd only)* | 51.5605% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8779% | 6,317 |
| Loan loss allowance to noncurrent loans | 479.5122% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.3036% | 5,768 |
| Noncurrent loans to loans | 0.1831% | 6,012 |
| Net loans and leases to total assets | 92.8318% | 17 |
| Net loans and leases to deposits | 109.4192% | 165 |
| Net loans and leases to core deposits | 149.6985% | 106 |
| Total domestic deposits to total assets | 84.8405% | 3,928 |
| Equity capital to assets | 9.1949% | 5,275 |
| Core capital (leverage) ratio | 9.1922% | 4,594 |
| Tier 1 risk-based capital ratio | 12.0825% | 5,732 |
| Total risk-based capital ratio | 13.1629% | 5,798 |
| Memoranda: | ||
| Average total assets | $115,162,800 | 4,462 |
| Average earning assets | $110,624,400 | 4,323 |
| Average equity | $9,942,600 | 4,991 |
| Average total loans | $105,002,200 | 3,395 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9243% | 320 |
| Cost of funding earning assets | 1.2041% | 680 |
| Net interest margin | 4.7202% | 648 |
| Noninterest income to average assets | 1.5979% | 581 |
| Noninterest expense to average assets | 2.6873% | 4,414 |
| Loan and lease loss provision to assets | 0.1110% | 4,179 |
| Net operating income to assets | 3.3267% | 81 |
| Return on assets (ROA) | 3.3267% | 84 |
| Pretax return on assets | 3.3267% | 118 |
| Return on Equity (ROE) | 39.2001% | 29 |
| Retained earnings to average equity (ytd only) | 16.9142% | 153 |
| Net charge-offs to loans | 0.0077% | 5,616 |
| Credit loss provision to net charge-offs | 1,583.3333% | 174 |
| Earnings coverage of net charge-offs (x) | 490.1550% | 92 |
| Efficiency ratio | 43.8740% | 6,902 |
| Assets per employee ($millions) | 2.7726% | 6,391 |
| Cash dividends to net income (ytd only)* | 56.8518% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9094% | 6,356 |
| Loan loss allowance to noncurrent loans | 1,966.0000% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.1745% | 6,265 |
| Noncurrent loans to loans | 0.0463% | 6,502 |
| Net loans and leases to total assets | 89.8417% | 47 |
| Net loans and leases to deposits | 105.7374% | 241 |
| Net loans and leases to core deposits | 146.7891% | 120 |
| Total domestic deposits to total assets | 84.9668% | 3,758 |
| Equity capital to assets | 8.6493% | 6,143 |
| Core capital (leverage) ratio | 8.8067% | 5,340 |
| Tier 1 risk-based capital ratio | 11.6300% | 6,157 |
| Total risk-based capital ratio | 12.7387% | 6,203 |
| Memoranda: | ||
| Average total assets | $114,064,750 | 4,539 |
| Average earning assets | $109,400,500 | 4,407 |
| Average equity | $9,680,000 | 5,104 |
| Average total loans | $103,260,750 | 3,476 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0427% | 278 |
| Cost of funding earning assets | 1.2664% | 606 |
| Net interest margin | 4.7764% | 586 |
| Noninterest income to average assets | 1.3868% | 751 |
| Noninterest expense to average assets | 2.6490% | 4,612 |
| Loan and lease loss provision to assets | 0.1424% | 3,735 |
| Net operating income to assets | 3.1546% | 93 |
| Return on assets (ROA) | 3.1546% | 94 |
| Pretax return on assets | 3.1546% | 137 |
| Return on Equity (ROE) | 37.4261% | 48 |
| Retained earnings to average equity (ytd only) | 18.8820% | 125 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5509% | 6,932 |
| Assets per employee ($millions) | 3.1217% | 5,796 |
| Cash dividends to net income (ytd only)* | 49.5485% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9180% | 6,414 |
| Loan loss allowance to noncurrent loans | 161.7940% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 1.0415% | 4,299 |
| Noncurrent loans to loans | 0.5674% | 5,373 |
| Net loans and leases to total assets | 91.0193% | 30 |
| Net loans and leases to deposits | 106.8231% | 210 |
| Net loans and leases to core deposits | 147.6566% | 114 |
| Total domestic deposits to total assets | 85.2056% | 3,765 |
| Equity capital to assets | 8.6387% | 6,085 |
| Core capital (leverage) ratio | 9.0518% | 4,837 |
| Tier 1 risk-based capital ratio | 11.2640% | 6,361 |
| Total risk-based capital ratio | 12.3635% | 6,418 |
| Memoranda: | ||
| Average total assets | $112,345,330 | 4,611 |
| Average earning assets | $107,236,670 | 4,481 |
| Average equity | $9,469,330 | 5,160 |
| Average total loans | $101,649,330 | 3,525 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0574% | 281 |
| Cost of funding earning assets | 1.3511% | 514 |
| Net interest margin | 4.7063% | 676 |
| Noninterest income to average assets | 1.1881% | 1,015 |
| Noninterest expense to average assets | 2.6687% | 4,550 |
| Loan and lease loss provision to assets | 0.1806% | 3,167 |
| Net operating income to assets | 2.8673% | 115 |
| Return on assets (ROA) | 2.8673% | 139 |
| Pretax return on assets | 2.8673% | 208 |
| Return on Equity (ROE) | 34.4655% | 67 |
| Retained earnings to average equity (ytd only) | 11.3728% | 948 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6835% | 6,866 |
| Assets per employee ($millions) | 3.1287% | 5,902 |
| Cash dividends to net income (ytd only)* | 67.0025% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9537% | 6,407 |
| Loan loss allowance to noncurrent loans | 157.5960% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.6913% | 5,168 |
| Noncurrent loans to loans | 0.6052% | 5,451 |
| Net loans and leases to total assets | 89.5248% | 45 |
| Net loans and leases to deposits | 105.3528% | 220 |
| Net loans and leases to core deposits | 132.7812% | 179 |
| Total domestic deposits to total assets | 84.9762% | 4,055 |
| Equity capital to assets | 8.5347% | 6,056 |
| Core capital (leverage) ratio | 8.4705% | 5,644 |
| Tier 1 risk-based capital ratio | 11.0583% | 6,511 |
| Total risk-based capital ratio | 12.1752% | 6,559 |
| Memoranda: | ||
| Average total assets | $110,766,500 | 4,691 |
| Average earning assets | $106,580,000 | 4,529 |
| Average equity | $9,215,000 | 5,241 |
| Average total loans | $99,422,000 | 3,609 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1068% | 362 |
| Cost of funding earning assets | 1.5427% | 605 |
| Net interest margin | 4.5640% | 990 |
| Noninterest income to average assets | 1.1693% | 961 |
| Noninterest expense to average assets | 2.7770% | 4,440 |
| Loan and lease loss provision to assets | 0.1604% | 4,624 |
| Net operating income to assets | 2.5855% | 123 |
| Return on assets (ROA) | 2.5855% | 125 |
| Pretax return on assets | 2.5855% | 183 |
| Return on Equity (ROE) | 31.8471% | 36 |
| Retained earnings to average equity (ytd only) | 17.1328% | 81 |
| Net charge-offs to loans | 0.0032% | 6,409 |
| Credit loss provision to net charge-offs | 5,500.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 941.6667% | 27 |
| Efficiency ratio | 50.2816% | 6,818 |
| Assets per employee ($millions) | 3.2008% | 5,703 |
| Cash dividends to net income (ytd only)* | 46.2030% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8952% | 6,546 |
| Loan loss allowance to noncurrent loans | 1,596.4286% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.1910% | 6,476 |
| Noncurrent loans to loans | 0.0561% | 6,679 |
| Net loans and leases to total assets | 88.3457% | 71 |
| Net loans and leases to deposits | 103.2378% | 331 |
| Net loans and leases to core deposits | 136.2937% | 189 |
| Total domestic deposits to total assets | 85.5749% | 3,556 |
| Equity capital to assets | 8.1088% | 6,506 |
| Core capital (leverage) ratio | 8.4030% | 5,708 |
| Tier 1 risk-based capital ratio | 10.6481% | 6,627 |
| Total risk-based capital ratio | 11.6960% | 6,691 |
| Memoranda: | ||
| Average total assets | $102,882,000 | 4,823 |
| Average earning assets | $98,136,800 | 4,681 |
| Average equity | $8,352,400 | 5,461 |
| Average total loans | $94,730,400 | 3,752 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2531% | 294 |
| Cost of funding earning assets | 1.5640% | 677 |
| Net interest margin | 4.6891% | 780 |
| Noninterest income to average assets | 1.0378% | 1,253 |
| Noninterest expense to average assets | 2.5753% | 5,170 |
| Loan and lease loss provision to assets | 0.1789% | 4,239 |
| Net operating income to assets | 2.7542% | 109 |
| Return on assets (ROA) | 2.7542% | 111 |
| Pretax return on assets | 2.7542% | 171 |
| Return on Equity (ROE) | 33.9139% | 37 |
| Retained earnings to average equity (ytd only) | 19.9600% | 77 |
| Net charge-offs to loans | 0.0043% | 6,136 |
| Credit loss provision to net charge-offs | 4,500.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 737.6475% | 43 |
| Efficiency ratio | 46.7517% | 7,026 |
| Assets per employee ($millions) | 3.3876% | 5,272 |
| Cash dividends to net income (ytd only)* | 41.1452% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8830% | 6,650 |
| Loan loss allowance to noncurrent loans | 3,200.0000% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.1800% | 6,603 |
| Noncurrent loans to loans | 0.0276% | 6,873 |
| Net loans and leases to total assets | 92.3487% | 19 |
| Net loans and leases to deposits | 108.9577% | 193 |
| Net loans and leases to core deposits | 149.4023% | 137 |
| Total domestic deposits to total assets | 84.7565% | 3,888 |
| Equity capital to assets | 8.4521% | 6,349 |
| Core capital (leverage) ratio | 8.4592% | 5,768 |
| Tier 1 risk-based capital ratio | 10.7352% | 6,694 |
| Total risk-based capital ratio | 11.7802% | 6,753 |
| Memoranda: | ||
| Average total assets | $100,595,750 | 4,911 |
| Average earning assets | $95,907,250 | 4,781 |
| Average equity | $8,169,500 | 5,548 |
| Average total loans | $93,446,750 | 3,805 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0940% | 390 |
| Cost of funding earning assets | 1.5792% | 762 |
| Net interest margin | 4.5148% | 1,098 |
| Noninterest income to average assets | 0.8535% | 1,789 |
| Noninterest expense to average assets | 2.5907% | 5,224 |
| Loan and lease loss provision to assets | 0.1816% | 4,105 |
| Net operating income to assets | 2.3728% | 199 |
| Return on assets (ROA) | 2.3728% | 208 |
| Pretax return on assets | 2.3728% | 299 |
| Return on Equity (ROE) | 29.6446% | 72 |
| Retained earnings to average equity (ytd only) | 14.4946% | 280 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3529% | 6,913 |
| Assets per employee ($millions) | 3.6687% | 4,519 |
| Cash dividends to net income (ytd only)* | 51.1054% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8596% | 6,745 |
| Loan loss allowance to noncurrent loans | 27,400.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.1606% | 6,688 |
| Noncurrent loans to loans | 0.0031% | 7,013 |
| Net loans and leases to total assets | 92.2861% | 21 |
| Net loans and leases to deposits | 108.4967% | 205 |
| Net loans and leases to core deposits | 146.9091% | 156 |
| Total domestic deposits to total assets | 85.0588% | 3,850 |
| Equity capital to assets | 8.0099% | 6,676 |
| Core capital (leverage) ratio | 8.2369% | 5,970 |
| Tier 1 risk-based capital ratio | 10.3685% | 6,840 |
| Total risk-based capital ratio | 11.4043% | 6,920 |
| Memoranda: | ||
| Average total assets | $99,122,670 | 4,987 |
| Average earning assets | $94,224,330 | 4,875 |
| Average equity | $7,934,000 | 5,632 |
| Average total loans | $91,981,000 | 3,889 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0744% | 417 |
| Cost of funding earning assets | 1.6210% | 755 |
| Net interest margin | 4.4534% | 1,166 |
| Noninterest income to average assets | 0.8837% | 1,716 |
| Noninterest expense to average assets | 2.5195% | 5,484 |
| Loan and lease loss provision to assets | 0.1439% | 4,207 |
| Net operating income to assets | 2.4208% | 196 |
| Return on assets (ROA) | 2.4208% | 202 |
| Pretax return on assets | 2.4208% | 277 |
| Return on Equity (ROE) | 30.2556% | 77 |
| Retained earnings to average equity (ytd only) | 13.6638% | 504 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5554% | 7,019 |
| Assets per employee ($millions) | 3.4758% | 5,046 |
| Cash dividends to net income (ytd only)* | 54.8387% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8433% | 6,832 |
| Loan loss allowance to noncurrent loans | 126.9868% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.9001% | 5,103 |
| Noncurrent loans to loans | 0.6641% | 5,702 |
| Net loans and leases to total assets | 92.6636% | 18 |
| Net loans and leases to deposits | 109.5864% | 188 |
| Net loans and leases to core deposits | 147.3145% | 162 |
| Total domestic deposits to total assets | 84.5576% | 4,247 |
| Equity capital to assets | 8.1379% | 6,358 |
| Core capital (leverage) ratio | 8.1262% | 6,085 |
| Tier 1 risk-based capital ratio | 10.6104% | 6,745 |
| Total risk-based capital ratio | 11.6379% | 6,852 |
| Memoranda: | ||
| Average total assets | $97,322,500 | 5,072 |
| Average earning assets | $91,795,500 | 4,979 |
| Average equity | $7,787,000 | 5,682 |
| Average total loans | $90,161,000 | 3,974 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6460% | 253 |
| Cost of funding earning assets | 1.8040% | 1,158 |
| Net interest margin | 4.8420% | 619 |
| Noninterest income to average assets | 1.4912% | 656 |
| Noninterest expense to average assets | 2.8852% | 4,295 |
| Loan and lease loss provision to assets | 0.2116% | 5,138 |
| Net operating income to assets | 3.0075% | 73 |
| Return on assets (ROA) | 3.0075% | 75 |
| Pretax return on assets | 3.0075% | 121 |
| Return on Equity (ROE) | 39.2221% | 20 |
| Retained earnings to average equity (ytd only) | 27.5301% | 17 |
| Net charge-offs to loans | 0.0292% | 6,511 |
| Credit loss provision to net charge-offs | 770.8333% | 279 |
| Earnings coverage of net charge-offs (x) | 117.2917% | 220 |
| Efficiency ratio | 47.2649% | 7,295 |
| Assets per employee ($millions) | 3.4758% | 4,990 |
| Cash dividends to net income (ytd only)* | 29.8099% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8190% | 6,929 |
| Loan loss allowance to noncurrent loans | 2,091.4286% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.3154% | 6,457 |
| Noncurrent loans to loans | 0.0392% | 7,031 |
| Net loans and leases to total assets | 91.0791% | 34 |
| Net loans and leases to deposits | 107.3461% | 282 |
| Net loans and leases to core deposits | 144.3484% | 197 |
| Total domestic deposits to total assets | 84.8462% | 3,927 |
| Equity capital to assets | 7.8646% | 6,629 |
| Core capital (leverage) ratio | 8.1529% | 5,907 |
| Tier 1 risk-based capital ratio | 10.2396% | 6,852 |
| Total risk-based capital ratio | 11.2189% | 6,981 |
| Memoranda: | ||
| Average total assets | $87,447,600 | 5,361 |
| Average earning assets | $83,313,400 | 5,240 |
| Average equity | $6,705,400 | 6,133 |
| Average total loans | $82,169,800 | 4,272 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6100% | 282 |
| Cost of funding earning assets | 1.8483% | 1,220 |
| Net interest margin | 4.7617% | 732 |
| Noninterest income to average assets | 1.3242% | 779 |
| Noninterest expense to average assets | 2.7959% | 4,505 |
| Loan and lease loss provision to assets | 0.2087% | 4,977 |
| Net operating income to assets | 2.8995% | 88 |
| Return on assets (ROA) | 2.8995% | 92 |
| Pretax return on assets | 2.8995% | 136 |
| Return on Equity (ROE) | 38.0928% | 25 |
| Retained earnings to average equity (ytd only) | 28.7758% | 21 |
| Net charge-offs to loans | 0.0199% | 6,396 |
| Credit loss provision to net charge-offs | 1,108.3333% | 265 |
| Earnings coverage of net charge-offs (x) | 165.0794% | 198 |
| Efficiency ratio | 47.3558% | 7,308 |
| Assets per employee ($millions) | 3.2305% | 5,612 |
| Cash dividends to net income (ytd only)* | 24.4588% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7933% | 7,021 |
| Loan loss allowance to noncurrent loans | 3,008.6957% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.3494% | 6,510 |
| Noncurrent loans to loans | 0.0264% | 7,194 |
| Net loans and leases to total assets | 95.6773% | 6 |
| Net loans and leases to deposits | 114.7116% | 180 |
| Net loans and leases to core deposits | 148.0709% | 198 |
| Total domestic deposits to total assets | 83.4069% | 4,413 |
| Equity capital to assets | 7.9644% | 6,828 |
| Core capital (leverage) ratio | 8.2110% | 6,019 |
| Tier 1 risk-based capital ratio | 9.7956% | 7,161 |
| Total risk-based capital ratio | 10.7366% | 7,259 |
| Memoranda: | ||
| Average total assets | $84,979,000 | 5,503 |
| Average earning assets | $81,732,750 | 5,350 |
| Average equity | $6,468,250 | 6,293 |
| Average total loans | $80,369,250 | 4,405 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5835% | 294 |
| Cost of funding earning assets | 1.8974% | 1,247 |
| Net interest margin | 4.6861% | 831 |
| Noninterest income to average assets | 0.9284% | 1,589 |
| Noninterest expense to average assets | 2.7996% | 4,480 |
| Loan and lease loss provision to assets | 0.2261% | 4,644 |
| Net operating income to assets | 2.4172% | 157 |
| Return on assets (ROA) | 2.4172% | 166 |
| Pretax return on assets | 2.4172% | 266 |
| Return on Equity (ROE) | 32.2995% | 44 |
| Retained earnings to average equity (ytd only) | 24.9397% | 47 |
| Net charge-offs to loans | 0.0307% | 5,910 |
| Credit loss provision to net charge-offs | 783.3333% | 475 |
| Earnings coverage of net charge-offs (x) | 91.5833% | 358 |
| Efficiency ratio | 51.4361% | 7,121 |
| Assets per employee ($millions) | 3.0809% | 5,978 |
| Cash dividends to net income (ytd only)* | 22.7861% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8114% | 7,007 |
| Loan loss allowance to noncurrent loans | 526.6129% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.4834% | 6,243 |
| Noncurrent loans to loans | 0.1541% | 6,954 |
| Net loans and leases to total assets | 92.5301% | 26 |
| Net loans and leases to deposits | 109.9931% | 275 |
| Net loans and leases to core deposits | 141.5761% | 273 |
| Total domestic deposits to total assets | 84.1235% | 4,051 |
| Equity capital to assets | 7.6322% | 7,035 |
| Core capital (leverage) ratio | 7.7230% | 6,585 |
| Tier 1 risk-based capital ratio | 9.6493% | 7,201 |
| Total risk-based capital ratio | 10.6063% | 7,315 |
| Memoranda: | ||
| Average total assets | $83,154,330 | 5,591 |
| Average earning assets | $80,109,000 | 5,436 |
| Average equity | $6,223,000 | 6,398 |
| Average total loans | $78,080,670 | 4,504 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6017% | 307 |
| Cost of funding earning assets | 1.9050% | 1,426 |
| Net interest margin | 4.6967% | 783 |
| Noninterest income to average assets | 0.7843% | 2,099 |
| Noninterest expense to average assets | 2.7550% | 4,675 |
| Loan and lease loss provision to assets | 0.1961% | 4,541 |
| Net operating income to assets | 2.3775% | 178 |
| Return on assets (ROA) | 2.3775% | 200 |
| Pretax return on assets | 2.3775% | 307 |
| Return on Equity (ROE) | 32.1059% | 75 |
| Retained earnings to average equity (ytd only) | 31.1129% | 57 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7019% | 7,178 |
| Assets per employee ($millions) | 3.0281% | 6,149 |
| Cash dividends to net income (ytd only)* | 3.0928% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7679% | 7,204 |
| Loan loss allowance to noncurrent loans | 571.0280% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.4366% | 6,376 |
| Noncurrent loans to loans | 0.1345% | 7,068 |
| Net loans and leases to total assets | 96.5766% | 3 |
| Net loans and leases to deposits | 115.5177% | 189 |
| Net loans and leases to core deposits | 151.9328% | 232 |
| Total domestic deposits to total assets | 83.6032% | 4,341 |
| Equity capital to assets | 7.6786% | 6,946 |
| Core capital (leverage) ratio | 7.6229% | 6,708 |
| Tier 1 risk-based capital ratio | 9.4400% | 7,334 |
| Total risk-based capital ratio | 10.3588% | 7,464 |
| Memoranda: | ||
| Average total assets | $81,598,500 | 5,720 |
| Average earning assets | $78,949,500 | 5,547 |
| Average equity | $6,042,500 | 6,505 |
| Average total loans | $76,883,500 | 4,611 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5212% | 643 |
| Cost of funding earning assets | 2.2008% | 2,030 |
| Net interest margin | 4.3203% | 1,658 |
| Noninterest income to average assets | 1.0467% | 1,419 |
| Noninterest expense to average assets | 2.6588% | 5,564 |
| Loan and lease loss provision to assets | 0.1695% | 5,993 |
| Net operating income to assets | 2.3198% | 116 |
| Return on assets (ROA) | 2.3198% | 128 |
| Pretax return on assets | 2.3225% | 215 |
| Return on Equity (ROE) | 31.6407% | 41 |
| Retained earnings to average equity (ytd only) | 16.8652% | 63 |
| Net charge-offs to loans | 0.0148% | 7,013 |
| Credit loss provision to net charge-offs | 1,250.0000% | 246 |
| Earnings coverage of net charge-offs (x) | 183.8000% | 151 |
| Efficiency ratio | 51.6188% | 7,419 |
| Assets per employee ($millions) | 3.2575% | 5,597 |
| Cash dividends to net income (ytd only)* | 46.6978% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7696% | 7,206 |
| Loan loss allowance to noncurrent loans | 505.3097% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.4457% | 6,345 |
| Noncurrent loans to loans | 0.1523% | 7,047 |
| Net loans and leases to total assets | 90.4061% | 76 |
| Net loans and leases to deposits | 107.4662% | 485 |
| Net loans and leases to core deposits | 173.6866% | 212 |
| Total domestic deposits to total assets | 84.1252% | 3,973 |
| Equity capital to assets | 7.1307% | 7,309 |
| Core capital (leverage) ratio | 7.4204% | 6,864 |
| Tier 1 risk-based capital ratio | 9.2620% | 7,354 |
| Total risk-based capital ratio | 10.1727% | 7,524 |
| Memoranda: | ||
| Average total assets | $73,755,200 | 5,893 |
| Average earning assets | $70,064,000 | 5,810 |
| Average equity | $5,407,600 | 6,800 |
| Average total loans | $67,563,000 | 4,957 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7277% | 483 |
| Cost of funding earning assets | 2.2668% | 2,124 |
| Net interest margin | 4.4609% | 1,288 |
| Noninterest income to average assets | 1.2213% | 1,029 |
| Noninterest expense to average assets | 2.6449% | 5,542 |
| Loan and lease loss provision to assets | 0.1763% | 5,596 |
| Net operating income to assets | 2.6226% | 88 |
| Return on assets (ROA) | 2.6226% | 97 |
| Pretax return on assets | 2.6189% | 160 |
| Return on Equity (ROE) | 35.4943% | 35 |
| Retained earnings to average equity (ytd only) | 19.0911% | 78 |
| Net charge-offs to loans | 0.0202% | 6,620 |
| Credit loss provision to net charge-offs | 950.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 150.6339% | 255 |
| Efficiency ratio | 48.6182% | 7,640 |
| Assets per employee ($millions) | 3.0000% | 6,157 |
| Cash dividends to net income (ytd only)* | 46.2135% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7724% | 7,202 |
| Loan loss allowance to noncurrent loans | 1,803.3333% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.3733% | 6,543 |
| Noncurrent loans to loans | 0.0428% | 7,404 |
| Net loans and leases to total assets | 92.6640% | 42 |
| Net loans and leases to deposits | 111.7583% | 403 |
| Net loans and leases to core deposits | 186.5468% | 149 |
| Total domestic deposits to total assets | 82.9147% | 4,264 |
| Equity capital to assets | 7.5400% | 7,269 |
| Core capital (leverage) ratio | 7.5259% | 6,940 |
| Tier 1 risk-based capital ratio | 9.4985% | 7,373 |
| Total risk-based capital ratio | 10.4071% | 7,563 |
| Memoranda: | ||
| Average total assets | $71,834,750 | 5,986 |
| Average earning assets | $67,936,750 | 5,908 |
| Average equity | $5,307,750 | 6,900 |
| Average total loans | $65,905,000 | 5,068 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7163% | 528 |
| Cost of funding earning assets | 2.3069% | 2,334 |
| Net interest margin | 4.4094% | 1,393 |
| Noninterest income to average assets | 1.4213% | 744 |
| Noninterest expense to average assets | 2.5488% | 5,952 |
| Loan and lease loss provision to assets | 0.1837% | 5,198 |
| Net operating income to assets | 2.8313% | 73 |
| Return on assets (ROA) | 2.8313% | 81 |
| Pretax return on assets | 2.8313% | 126 |
| Return on Equity (ROE) | 38.5978% | 34 |
| Retained earnings to average equity (ytd only) | 20.4545% | 69 |
| Net charge-offs to loans | 0.0310% | 6,028 |
| Credit loss provision to net charge-offs | 650.0000% | 713 |
| Earnings coverage of net charge-offs (x) | 106.7000% | 362 |
| Efficiency ratio | 45.8101% | 7,862 |
| Assets per employee ($millions) | 2.9517% | 6,263 |
| Cash dividends to net income (ytd only)* | 47.0060% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7472% | 7,310 |
| Loan loss allowance to noncurrent loans | 1,188.3721% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.3971% | 6,472 |
| Noncurrent loans to loans | 0.0629% | 7,369 |
| Net loans and leases to total assets | 91.9856% | 59 |
| Net loans and leases to deposits | 110.8846% | 521 |
| Net loans and leases to core deposits | 185.6721% | 180 |
| Total domestic deposits to total assets | 82.9561% | 4,257 |
| Equity capital to assets | 7.3531% | 7,383 |
| Core capital (leverage) ratio | 7.5904% | 6,914 |
| Tier 1 risk-based capital ratio | 9.3294% | 7,521 |
| Total risk-based capital ratio | 10.2080% | 7,743 |
| Memoranda: | ||
| Average total assets | $70,779,670 | 6,059 |
| Average earning assets | $66,495,000 | 5,989 |
| Average equity | $5,192,000 | 7,002 |
| Average total loans | $64,527,000 | 5,158 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7867% | 494 |
| Cost of funding earning assets | 2.3511% | 2,503 |
| Net interest margin | 4.4355% | 1,264 |
| Noninterest income to average assets | 1.6110% | 528 |
| Noninterest expense to average assets | 2.4887% | 5,881 |
| Loan and lease loss provision to assets | 0.2021% | 4,425 |
| Net operating income to assets | 3.0488% | 62 |
| Return on assets (ROA) | 3.0488% | 76 |
| Pretax return on assets | 3.0488% | 123 |
| Return on Equity (ROE) | 41.6158% | 41 |
| Retained earnings to average equity (ytd only) | 28.3744% | 59 |
| Net charge-offs to loans | 0.0639% | 4,567 |
| Credit loss provision to net charge-offs | 350.0000% | 1,433 |
| Earnings coverage of net charge-offs (x) | 56.3000% | 676 |
| Efficiency ratio | 43.3602% | 7,954 |
| Assets per employee ($millions) | 2.7525% | 6,764 |
| Cash dividends to net income (ytd only)* | 31.8182% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7388% | 7,342 |
| Loan loss allowance to noncurrent loans | 2,531.5789% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.5366% | 5,876 |
| Noncurrent loans to loans | 0.0292% | 7,468 |
| Net loans and leases to total assets | 90.3025% | 126 |
| Net loans and leases to deposits | 109.2321% | 654 |
| Net loans and leases to core deposits | 163.5538% | 441 |
| Total domestic deposits to total assets | 82.6703% | 4,300 |
| Equity capital to assets | 7.3430% | 7,461 |
| Core capital (leverage) ratio | 7.7440% | 6,828 |
| Tier 1 risk-based capital ratio | 9.4226% | 7,495 |
| Total risk-based capital ratio | 10.2851% | 7,799 |
| Memoranda: | ||
| Average total assets | $69,273,500 | 6,131 |
| Average earning assets | $64,479,500 | 6,085 |
| Average equity | $5,075,000 | 7,085 |
| Average total loans | $62,596,000 | 5,258 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2724% | 631 |
| Cost of funding earning assets | 3.0172% | 1,810 |
| Net interest margin | 4.2553% | 2,105 |
| Noninterest income to average assets | 0.8674% | 2,123 |
| Noninterest expense to average assets | 2.9848% | 4,138 |
| Loan and lease loss provision to assets | 0.1141% | 5,913 |
| Net operating income to assets | 1.7936% | 560 |
| Return on assets (ROA) | 1.7936% | 537 |
| Pretax return on assets | 1.7936% | 958 |
| Return on Equity (ROE) | 24.0009% | 171 |
| Retained earnings to average equity (ytd only) | 17.7593% | 49 |
| Net charge-offs to loans | 0.0473% | 6,110 |
| Credit loss provision to net charge-offs | 261.5385% | 1,773 |
| Earnings coverage of net charge-offs (x) | 43.7308% | 841 |
| Efficiency ratio | 61.0082% | 6,162 |
| Assets per employee ($millions) | 3.0446% | 5,945 |
| Cash dividends to net income (ytd only)* | 26.0056% | 4,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7589% | 7,250 |
| Loan loss allowance to noncurrent loans | 2,072.7273% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.4061% | 5,998 |
| Noncurrent loans to loans | 0.0366% | 7,360 |
| Net loans and leases to total assets | 89.0239% | 279 |
| Net loans and leases to deposits | 106.8045% | 1,060 |
| Net loans and leases to core deposits | 158.2957% | 612 |
| Total domestic deposits to total assets | 83.3522% | 3,634 |
| Equity capital to assets | 7.3079% | 7,551 |
| Core capital (leverage) ratio | 7.6666% | 6,977 |
| Tier 1 risk-based capital ratio | 9.3452% | 7,469 |
| Total risk-based capital ratio | 10.2157% | 7,810 |
| Memoranda: | ||
| Average total assets | $59,602,000 | 6,394 |
| Average earning assets | $56,377,400 | 6,325 |
| Average equity | $4,454,000 | 7,343 |
| Average total loans | $54,960,400 | 5,488 |