Home > Clinton Savings Bank > Performance and Condition Ratios
Clinton Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3298% | 3,393 |
| Cost of funding earning assets | 1.3986% | 2,235 |
| Net interest margin | 2.9313% | 3,425 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.5408% | 2,190 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.4202% | 3,826 |
| Return on assets (ROA) | 0.4531% | 3,762 |
| Pretax return on assets | 0.5396% | 3,744 |
| Return on Equity (ROE) | 5.4200% | 3,639 |
| Retained earnings to average equity (ytd only) | 4.5138% | 2,786 |
| Net charge-offs to loans | 0.0031% | 2,663 |
| Credit loss provision to net charge-offs | -618.7500% | 4,546 |
| Earnings coverage of net charge-offs (x) | 214.2500% | 564 |
| Efficiency ratio | 83.9513% | 665 |
| Assets per employee ($millions) | 6.8661% | 2,160 |
| Cash dividends to net income (ytd only)* | 16.6979% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 3,261 |
| Loan loss allowance to noncurrent loans | 359.8066% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.2028% | 2,212 |
| Noncurrent loans to loans | 0.2803% | 2,177 |
| Net loans and leases to total assets | 71.6000% | 1,631 |
| Net loans and leases to deposits | 87.7707% | 1,455 |
| Net loans and leases to core deposits | 104.9598% | 1,169 |
| Total domestic deposits to total assets | 81.5800% | 3,205 |
| Equity capital to assets | 8.7772% | 2,843 |
| Core capital (leverage) ratio | 10.9978% | 1,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1770% | 1,054 |
| Memoranda: | ||
| Average total assets | $705,751,000 | 1,301 |
| Average earning assets | $656,375,000 | 1,297 |
| Average equity | $59,018,600 | 1,409 |
| Average total loans | $512,312,400 | 1,204 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2934% | 3,305 |
| Cost of funding earning assets | 1.2612% | 2,253 |
| Net interest margin | 3.0322% | 3,274 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.5515% | 2,078 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.4594% | 3,852 |
| Return on assets (ROA) | 0.4366% | 3,898 |
| Pretax return on assets | 0.5233% | 3,868 |
| Return on Equity (ROE) | 5.2900% | 3,763 |
| Retained earnings to average equity (ytd only) | 4.4471% | 3,122 |
| Net charge-offs to loans | 0.0042% | 2,340 |
| Credit loss provision to net charge-offs | 475.0000% | 663 |
| Earnings coverage of net charge-offs (x) | 189.1875% | 624 |
| Efficiency ratio | 81.6468% | 749 |
| Assets per employee ($millions) | 6.7340% | 2,151 |
| Cash dividends to net income (ytd only)* | 15.8854% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0411% | 3,146 |
| Loan loss allowance to noncurrent loans | 352.1910% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.2162% | 2,184 |
| Noncurrent loans to loans | 0.2956% | 2,181 |
| Net loans and leases to total assets | 72.3900% | 1,526 |
| Net loans and leases to deposits | 85.8705% | 1,585 |
| Net loans and leases to core deposits | 103.2060% | 1,155 |
| Total domestic deposits to total assets | 84.3100% | 2,683 |
| Equity capital to assets | 7.7120% | 3,235 |
| Core capital (leverage) ratio | 10.9323% | 2,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7360% | 1,147 |
| Memoranda: | ||
| Average total assets | $703,669,000 | 1,302 |
| Average earning assets | $654,504,000 | 1,296 |
| Average equity | $58,104,250 | 1,417 |
| Average total loans | $511,264,500 | 1,203 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2224% | 3,251 |
| Cost of funding earning assets | 1.1116% | 2,247 |
| Net interest margin | 3.1108% | 3,200 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.6162% | 1,881 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.4402% | 3,929 |
| Return on assets (ROA) | 0.4629% | 3,892 |
| Pretax return on assets | 0.5526% | 3,881 |
| Return on Equity (ROE) | 5.4800% | 3,808 |
| Retained earnings to average equity (ytd only) | 4.5366% | 3,074 |
| Net charge-offs to loans | 0.0063% | 2,012 |
| Credit loss provision to net charge-offs | 493.7500% | 659 |
| Earnings coverage of net charge-offs (x) | 125.2500% | 827 |
| Efficiency ratio | 82.0976% | 701 |
| Assets per employee ($millions) | 6.6737% | 2,148 |
| Cash dividends to net income (ytd only)* | 17.2817% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0487% | 3,202 |
| Loan loss allowance to noncurrent loans | 377.3109% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 2,183 |
| Noncurrent loans to loans | 0.2779% | 2,153 |
| Net loans and leases to total assets | 71.8700% | 1,546 |
| Net loans and leases to deposits | 84.3671% | 1,636 |
| Net loans and leases to core deposits | 100.1771% | 1,226 |
| Total domestic deposits to total assets | 85.1800% | 2,492 |
| Equity capital to assets | 8.4047% | 2,942 |
| Core capital (leverage) ratio | 10.9276% | 1,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6967% | 1,172 |
| Memoranda: | ||
| Average total assets | $702,535,333 | 1,295 |
| Average earning assets | $654,549,000 | 1,289 |
| Average equity | $59,296,000 | 1,400 |
| Average total loans | $509,266,333 | 1,196 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1328% | 3,180 |
| Cost of funding earning assets | 0.9635% | 2,172 |
| Net interest margin | 3.1693% | 3,191 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.5819% | 2,002 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.4923% | 3,918 |
| Return on assets (ROA) | 0.4525% | 3,948 |
| Pretax return on assets | 0.5451% | 3,926 |
| Return on Equity (ROE) | 5.3500% | 3,838 |
| Retained earnings to average equity (ytd only) | 4.3569% | 3,166 |
| Net charge-offs to loans | 0.0095% | 1,590 |
| Credit loss provision to net charge-offs | 533.3333% | 530 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 812 |
| Efficiency ratio | 79.8551% | 844 |
| Assets per employee ($millions) | 6.9272% | 2,028 |
| Cash dividends to net income (ytd only)* | 18.5606% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 3,280 |
| Loan loss allowance to noncurrent loans | 436.0908% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.1745% | 2,281 |
| Noncurrent loans to loans | 0.2415% | 2,291 |
| Net loans and leases to total assets | 71.5000% | 1,471 |
| Net loans and leases to deposits | 79.9645% | 1,820 |
| Net loans and leases to core deposits | 98.3905% | 1,158 |
| Total domestic deposits to total assets | 89.4100% | 1,379 |
| Equity capital to assets | 8.5824% | 2,828 |
| Core capital (leverage) ratio | 10.9128% | 1,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6979% | 1,210 |
| Memoranda: | ||
| Average total assets | $700,098,000 | 1,312 |
| Average earning assets | $652,632,000 | 1,305 |
| Average equity | $59,216,000 | 1,410 |
| Average total loans | $507,013,000 | 1,216 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7150% | 2,486 |
| Cost of funding earning assets | 0.3685% | 2,346 |
| Net interest margin | 3.3465% | 2,432 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.4933% | 2,138 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.7157% | 3,570 |
| Return on assets (ROA) | 0.5623% | 3,931 |
| Pretax return on assets | 0.7125% | 3,824 |
| Return on Equity (ROE) | 5.9700% | 3,833 |
| Retained earnings to average equity (ytd only) | 5.4537% | 2,850 |
| Net charge-offs to loans | -0.0450% | 4,324 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.1800% | 1,422 |
| Assets per employee ($millions) | 6.8676% | 2,068 |
| Cash dividends to net income (ytd only)* | 8.7225% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0950% | 2,915 |
| Loan loss allowance to noncurrent loans | 281.5628% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.2823% | 1,737 |
| Noncurrent loans to loans | 0.3889% | 1,753 |
| Net loans and leases to total assets | 71.7900% | 1,441 |
| Net loans and leases to deposits | 88.1452% | 1,167 |
| Net loans and leases to core deposits | 96.7455% | 1,160 |
| Total domestic deposits to total assets | 81.4400% | 3,702 |
| Equity capital to assets | 8.3317% | 2,828 |
| Core capital (leverage) ratio | 11.2177% | 1,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4047% | 1,264 |
| Memoranda: | ||
| Average total assets | $662,642,800 | 1,356 |
| Average earning assets | $621,993,400 | 1,348 |
| Average equity | $62,361,800 | 1,356 |
| Average total loans | $462,364,800 | 1,249 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6294% | 2,259 |
| Cost of funding earning assets | 0.3094% | 2,064 |
| Net interest margin | 3.3200% | 2,235 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.4826% | 2,064 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.7348% | 3,467 |
| Return on assets (ROA) | 0.3154% | 4,319 |
| Pretax return on assets | 0.3939% | 4,268 |
| Return on Equity (ROE) | 3.2500% | 4,270 |
| Retained earnings to average equity (ytd only) | 2.8428% | 3,815 |
| Net charge-offs to loans | -0.0602% | 4,354 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.8393% | 1,536 |
| Assets per employee ($millions) | 6.7979% | 2,095 |
| Cash dividends to net income (ytd only)* | 12.5888% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 2,846 |
| Loan loss allowance to noncurrent loans | 251.5785% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 1,636 |
| Noncurrent loans to loans | 0.4525% | 1,680 |
| Net loans and leases to total assets | 71.3600% | 1,355 |
| Net loans and leases to deposits | 80.9953% | 1,523 |
| Net loans and leases to core deposits | 87.4934% | 1,441 |
| Total domestic deposits to total assets | 88.1100% | 2,393 |
| Equity capital to assets | 8.2125% | 2,747 |
| Core capital (leverage) ratio | 11.2153% | 1,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7025% | 1,236 |
| Memoranda: | ||
| Average total assets | $654,897,000 | 1,376 |
| Average earning assets | $615,810,500 | 1,367 |
| Average equity | $63,504,500 | 1,358 |
| Average total loans | $452,090,500 | 1,258 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5601% | 1,961 |
| Cost of funding earning assets | 0.3060% | 1,672 |
| Net interest margin | 3.2540% | 2,044 |
| Noninterest income to average assets | 0.3281% | 3,201 |
| Noninterest expense to average assets | 2.5439% | 1,798 |
| Loan and lease loss provision to assets | 0.0551% | 1,592 |
| Net operating income to assets | 0.6759% | 3,391 |
| Return on assets (ROA) | 0.1766% | 4,414 |
| Pretax return on assets | 0.2075% | 4,403 |
| Return on Equity (ROE) | 1.7322% | 4,379 |
| Retained earnings to average equity (ytd only) | 1.3599% | 3,910 |
| Net charge-offs to loans | -0.0919% | 4,416 |
| Credit loss provision to net charge-offs | -88.2353% | 3,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9549% | 1,392 |
| Assets per employee ($millions) | 6.7669% | 2,098 |
| Cash dividends to net income (ytd only)* | 21.4905% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 2,917 |
| Loan loss allowance to noncurrent loans | 227.3464% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.3571% | 1,569 |
| Noncurrent loans to loans | 0.5067% | 1,613 |
| Net loans and leases to total assets | 69.6601% | 1,325 |
| Net loans and leases to deposits | 80.2118% | 1,374 |
| Net loans and leases to core deposits | 85.5201% | 1,374 |
| Total domestic deposits to total assets | 86.8452% | 2,998 |
| Equity capital to assets | 9.1568% | 2,273 |
| Core capital (leverage) ratio | 11.2100% | 1,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8302% | 1,216 |
| Memoranda: | ||
| Average total assets | $653,396,667 | 1,381 |
| Average earning assets | $615,605,333 | 1,374 |
| Average equity | $66,621,667 | 1,336 |
| Average total loans | $444,123,667 | 1,271 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4618% | 1,913 |
| Cost of funding earning assets | 0.3173% | 1,488 |
| Net interest margin | 3.1445% | 2,041 |
| Noninterest income to average assets | 0.3540% | 2,972 |
| Noninterest expense to average assets | 2.5286% | 1,808 |
| Loan and lease loss provision to assets | 0.0552% | 1,394 |
| Net operating income to assets | 0.6194% | 3,330 |
| Return on assets (ROA) | 0.2503% | 4,215 |
| Pretax return on assets | 0.2982% | 4,189 |
| Return on Equity (ROE) | 2.3354% | 4,205 |
| Retained earnings to average equity (ytd only) | 1.9862% | 3,539 |
| Net charge-offs to loans | -0.0984% | 4,452 |
| Credit loss provision to net charge-offs | -84.1121% | 2,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1315% | 1,511 |
| Assets per employee ($millions) | 6.4776% | 2,398 |
| Cash dividends to net income (ytd only)* | 14.9510% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 3,046 |
| Loan loss allowance to noncurrent loans | 204.6975% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.3840% | 1,576 |
| Noncurrent loans to loans | 0.5677% | 1,621 |
| Net loans and leases to total assets | 66.8422% | 1,323 |
| Net loans and leases to deposits | 77.5157% | 1,325 |
| Net loans and leases to core deposits | 82.5729% | 1,322 |
| Total domestic deposits to total assets | 86.2305% | 3,183 |
| Equity capital to assets | 10.1064% | 1,824 |
| Core capital (leverage) ratio | 11.4832% | 1,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8977% | 1,287 |
| Memoranda: | ||
| Average total assets | $651,900,000 | 1,385 |
| Average earning assets | $615,179,000 | 1,380 |
| Average equity | $69,880,500 | 1,335 |
| Average total loans | $434,900,000 | 1,281 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4129% | 2,901 |
| Cost of funding earning assets | 0.4441% | 1,244 |
| Net interest margin | 2.9688% | 3,274 |
| Noninterest income to average assets | 0.3779% | 3,170 |
| Noninterest expense to average assets | 2.5025% | 2,173 |
| Loan and lease loss provision to assets | 0.0561% | 1,924 |
| Net operating income to assets | 0.4982% | 4,087 |
| Return on assets (ROA) | 0.7326% | 3,597 |
| Pretax return on assets | 0.9100% | 3,486 |
| Return on Equity (ROE) | 6.5365% | 3,635 |
| Retained earnings to average equity (ytd only) | 6.3056% | 2,230 |
| Net charge-offs to loans | 0.0076% | 2,297 |
| Credit loss provision to net charge-offs | 1,125.0000% | 489 |
| Earnings coverage of net charge-offs (x) | 135.6563% | 723 |
| Efficiency ratio | 78.7133% | 890 |
| Assets per employee ($millions) | 6.4313% | 2,385 |
| Cash dividends to net income (ytd only)* | 3.5327% | 3,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1571% | 3,091 |
| Loan loss allowance to noncurrent loans | 210.7843% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.3612% | 1,780 |
| Noncurrent loans to loans | 0.5490% | 1,749 |
| Net loans and leases to total assets | 65.0294% | 1,580 |
| Net loans and leases to deposits | 77.6863% | 1,423 |
| Net loans and leases to core deposits | 83.6961% | 1,347 |
| Total domestic deposits to total assets | 83.7076% | 3,636 |
| Equity capital to assets | 11.3370% | 1,580 |
| Core capital (leverage) ratio | 11.4485% | 1,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2461% | 1,204 |
| Memoranda: | ||
| Average total assets | $641,441,800 | 1,380 |
| Average earning assets | $605,258,200 | 1,362 |
| Average equity | $71,888,600 | 1,320 |
| Average total loans | $422,178,400 | 1,320 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3991% | 3,107 |
| Cost of funding earning assets | 0.4710% | 1,209 |
| Net interest margin | 2.9281% | 3,484 |
| Noninterest income to average assets | 0.3937% | 3,130 |
| Noninterest expense to average assets | 2.4547% | 2,260 |
| Loan and lease loss provision to assets | 0.0563% | 1,856 |
| Net operating income to assets | 0.5207% | 4,163 |
| Return on assets (ROA) | 0.6543% | 3,939 |
| Pretax return on assets | 0.8086% | 3,876 |
| Return on Equity (ROE) | 5.8557% | 3,950 |
| Retained earnings to average equity (ytd only) | 5.6075% | 2,996 |
| Net charge-offs to loans | 0.0082% | 2,009 |
| Credit loss provision to net charge-offs | 1,038.4615% | 507 |
| Earnings coverage of net charge-offs (x) | 129.1154% | 742 |
| Efficiency ratio | 77.8108% | 890 |
| Assets per employee ($millions) | 6.2525% | 2,450 |
| Cash dividends to net income (ytd only)* | 4.2384% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 3,021 |
| Loan loss allowance to noncurrent loans | 213.3889% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.3537% | 2,017 |
| Noncurrent loans to loans | 0.5592% | 1,920 |
| Net loans and leases to total assets | 62.5032% | 1,950 |
| Net loans and leases to deposits | 74.4241% | 1,817 |
| Net loans and leases to core deposits | 80.2497% | 1,707 |
| Total domestic deposits to total assets | 83.9825% | 3,457 |
| Equity capital to assets | 11.2133% | 1,882 |
| Core capital (leverage) ratio | 11.3044% | 1,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6552% | 1,202 |
| Memoranda: | ||
| Average total assets | $639,411,750 | 1,396 |
| Average earning assets | $602,927,250 | 1,384 |
| Average equity | $71,450,500 | 1,348 |
| Average total loans | $420,885,250 | 1,345 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4295% | 3,083 |
| Cost of funding earning assets | 0.5049% | 1,166 |
| Net interest margin | 2.9246% | 3,516 |
| Noninterest income to average assets | 0.3712% | 3,258 |
| Noninterest expense to average assets | 2.4481% | 2,315 |
| Loan and lease loss provision to assets | 0.0564% | 1,904 |
| Net operating income to assets | 0.5014% | 4,215 |
| Return on assets (ROA) | 0.7331% | 3,746 |
| Pretax return on assets | 0.9096% | 3,642 |
| Return on Equity (ROE) | 6.5678% | 3,766 |
| Retained earnings to average equity (ytd only) | 6.2363% | 2,714 |
| Net charge-offs to loans | -0.0296% | 4,150 |
| Credit loss provision to net charge-offs | -285.7143% | 3,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2600% | 897 |
| Assets per employee ($millions) | 6.5393% | 2,133 |
| Cash dividends to net income (ytd only)* | 5.0470% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 3,147 |
| Loan loss allowance to noncurrent loans | 178.3486% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.4209% | 1,929 |
| Noncurrent loans to loans | 0.6498% | 1,789 |
| Net loans and leases to total assets | 64.0240% | 1,946 |
| Net loans and leases to deposits | 76.9577% | 1,733 |
| Net loans and leases to core deposits | 83.7585% | 1,583 |
| Total domestic deposits to total assets | 83.1938% | 3,663 |
| Equity capital to assets | 11.1425% | 1,882 |
| Core capital (leverage) ratio | 11.2219% | 1,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2312% | 1,282 |
| Memoranda: | ||
| Average total assets | $637,879,000 | 1,393 |
| Average earning assets | $601,314,333 | 1,374 |
| Average equity | $71,195,667 | 1,339 |
| Average total loans | $425,384,333 | 1,340 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4034% | 3,183 |
| Cost of funding earning assets | 0.5475% | 1,114 |
| Net interest margin | 2.8560% | 3,623 |
| Noninterest income to average assets | 0.5023% | 2,602 |
| Noninterest expense to average assets | 2.4463% | 2,337 |
| Loan and lease loss provision to assets | 0.0569% | 1,978 |
| Net operating income to assets | 0.5561% | 4,055 |
| Return on assets (ROA) | 0.8017% | 3,489 |
| Pretax return on assets | 0.9989% | 3,374 |
| Return on Equity (ROE) | 7.1770% | 3,558 |
| Retained earnings to average equity (ytd only) | 6.8433% | 2,626 |
| Net charge-offs to loans | -0.0588% | 4,461 |
| Credit loss provision to net charge-offs | -142.8571% | 2,887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5671% | 1,080 |
| Assets per employee ($millions) | 6.4930% | 2,184 |
| Cash dividends to net income (ytd only)* | 4.6493% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1131% | 3,366 |
| Loan loss allowance to noncurrent loans | 147.4042% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.5086% | 1,862 |
| Noncurrent loans to loans | 0.7551% | 1,727 |
| Net loans and leases to total assets | 66.5995% | 1,720 |
| Net loans and leases to deposits | 80.5859% | 1,462 |
| Net loans and leases to core deposits | 88.0773% | 1,364 |
| Total domestic deposits to total assets | 82.6441% | 3,775 |
| Equity capital to assets | 11.0853% | 1,802 |
| Core capital (leverage) ratio | 11.2863% | 1,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9939% | 1,288 |
| Memoranda: | ||
| Average total assets | $633,124,500 | 1,392 |
| Average earning assets | $596,924,500 | 1,375 |
| Average equity | $70,726,000 | 1,338 |
| Average total loans | $428,404,500 | 1,340 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7391% | 3,472 |
| Cost of funding earning assets | 0.7821% | 1,289 |
| Net interest margin | 2.9570% | 3,992 |
| Noninterest income to average assets | 0.5558% | 2,393 |
| Noninterest expense to average assets | 2.5728% | 2,631 |
| Loan and lease loss provision to assets | 0.1406% | 2,600 |
| Net operating income to assets | 0.5234% | 3,976 |
| Return on assets (ROA) | 0.6281% | 3,782 |
| Pretax return on assets | 0.7560% | 3,749 |
| Return on Equity (ROE) | 5.6049% | 3,705 |
| Retained earnings to average equity (ytd only) | 5.3614% | 2,112 |
| Net charge-offs to loans | 0.1255% | 1,250 |
| Credit loss provision to net charge-offs | 158.0882% | 2,381 |
| Earnings coverage of net charge-offs (x) | 8.6654% | 2,583 |
| Efficiency ratio | 76.9554% | 1,127 |
| Assets per employee ($millions) | 6.7014% | 1,781 |
| Cash dividends to net income (ytd only)* | 4.3456% | 3,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0781% | 3,568 |
| Loan loss allowance to noncurrent loans | 145.0063% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.5054% | 2,048 |
| Noncurrent loans to loans | 0.7435% | 1,842 |
| Net loans and leases to total assets | 67.2514% | 1,925 |
| Net loans and leases to deposits | 82.9327% | 1,555 |
| Net loans and leases to core deposits | 92.5099% | 1,343 |
| Total domestic deposits to total assets | 81.0915% | 3,855 |
| Equity capital to assets | 11.2575% | 2,052 |
| Core capital (leverage) ratio | 11.0808% | 1,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8924% | 1,288 |
| Memoranda: | ||
| Average total assets | $611,866,800 | 1,312 |
| Average earning assets | $576,774,600 | 1,298 |
| Average equity | $68,564,400 | 1,313 |
| Average total loans | $433,394,000 | 1,265 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8006% | 3,568 |
| Cost of funding earning assets | 0.8296% | 1,363 |
| Net interest margin | 2.9710% | 4,044 |
| Noninterest income to average assets | 0.5001% | 2,614 |
| Noninterest expense to average assets | 2.5138% | 2,793 |
| Loan and lease loss provision to assets | 0.0593% | 3,606 |
| Net operating income to assets | 0.6053% | 3,746 |
| Return on assets (ROA) | 0.5875% | 3,910 |
| Pretax return on assets | 0.7051% | 3,889 |
| Return on Equity (ROE) | 5.2487% | 3,809 |
| Retained earnings to average equity (ytd only) | 4.9545% | 2,578 |
| Net charge-offs to loans | 0.0067% | 2,882 |
| Credit loss provision to net charge-offs | 1,227.2727% | 720 |
| Earnings coverage of net charge-offs (x) | 162.7273% | 570 |
| Efficiency ratio | 76.1826% | 1,194 |
| Assets per employee ($millions) | 6.5599% | 1,782 |
| Cash dividends to net income (ytd only)* | 5.6054% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0191% | 3,621 |
| Loan loss allowance to noncurrent loans | 93.1218% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 0.7757% | 1,489 |
| Noncurrent loans to loans | 1.0944% | 1,376 |
| Net loans and leases to total assets | 70.1591% | 1,921 |
| Net loans and leases to deposits | 86.1953% | 1,675 |
| Net loans and leases to core deposits | 95.6646% | 1,485 |
| Total domestic deposits to total assets | 81.3955% | 3,566 |
| Equity capital to assets | 11.1185% | 2,309 |
| Core capital (leverage) ratio | 10.8931% | 1,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8187% | 1,300 |
| Memoranda: | ||
| Average total assets | $607,349,750 | 1,298 |
| Average earning assets | $572,318,000 | 1,293 |
| Average equity | $67,976,750 | 1,310 |
| Average total loans | $434,678,250 | 1,260 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9136% | 3,578 |
| Cost of funding earning assets | 0.8907% | 1,414 |
| Net interest margin | 3.0229% | 4,075 |
| Noninterest income to average assets | 0.4521% | 2,795 |
| Noninterest expense to average assets | 2.5282% | 2,889 |
| Loan and lease loss provision to assets | 0.0600% | 3,554 |
| Net operating income to assets | 0.6099% | 3,706 |
| Return on assets (ROA) | 0.4614% | 4,172 |
| Pretax return on assets | 0.5381% | 4,178 |
| Return on Equity (ROE) | 4.1132% | 4,069 |
| Retained earnings to average equity (ytd only) | 3.6674% | 3,084 |
| Net charge-offs to loans | 0.0060% | 2,751 |
| Credit loss provision to net charge-offs | 1,384.6154% | 638 |
| Earnings coverage of net charge-offs (x) | 177.8462% | 491 |
| Efficiency ratio | 76.6347% | 1,204 |
| Assets per employee ($millions) | 6.6245% | 1,693 |
| Cash dividends to net income (ytd only)* | 10.8382% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 3,545 |
| Loan loss allowance to noncurrent loans | 103.1632% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.6882% | 1,780 |
| Noncurrent loans to loans | 0.9746% | 1,587 |
| Net loans and leases to total assets | 69.8995% | 2,046 |
| Net loans and leases to deposits | 87.2236% | 1,637 |
| Net loans and leases to core deposits | 97.5472% | 1,451 |
| Total domestic deposits to total assets | 80.1383% | 3,807 |
| Equity capital to assets | 10.9130% | 2,416 |
| Core capital (leverage) ratio | 11.0900% | 1,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8639% | 1,282 |
| Memoranda: | ||
| Average total assets | $599,883,000 | 1,295 |
| Average earning assets | $564,946,000 | 1,284 |
| Average equity | $67,296,000 | 1,311 |
| Average total loans | $430,779,000 | 1,255 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1112% | 3,495 |
| Cost of funding earning assets | 0.9728% | 1,547 |
| Net interest margin | 3.1384% | 4,013 |
| Noninterest income to average assets | 0.3917% | 3,161 |
| Noninterest expense to average assets | 2.6584% | 2,814 |
| Loan and lease loss provision to assets | 0.0615% | 3,001 |
| Net operating income to assets | 0.5465% | 3,757 |
| Return on assets (ROA) | -0.2960% | 4,860 |
| Pretax return on assets | -0.4416% | 4,876 |
| Return on Equity (ROE) | -2.6004% | 4,860 |
| Retained earnings to average equity (ytd only) | -3.1349% | 4,369 |
| Net charge-offs to loans | 0.0047% | 2,411 |
| Credit loss provision to net charge-offs | 1,800.0000% | 365 |
| Earnings coverage of net charge-offs (x) | 200.8000% | 343 |
| Efficiency ratio | 79.4809% | 1,191 |
| Assets per employee ($millions) | 6.0879% | 1,606 |
| Cash dividends to net income (ytd only)* | -20.5543% | 5,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0355% | 3,516 |
| Loan loss allowance to noncurrent loans | 102.3093% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.7838% | 1,726 |
| Noncurrent loans to loans | 1.0121% | 1,636 |
| Net loans and leases to total assets | 71.7231% | 1,963 |
| Net loans and leases to deposits | 90.2836% | 1,475 |
| Net loans and leases to core deposits | 102.5633% | 1,277 |
| Total domestic deposits to total assets | 79.4420% | 3,969 |
| Equity capital to assets | 11.4550% | 2,481 |
| Core capital (leverage) ratio | 11.3625% | 2,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3201% | 1,273 |
| Memoranda: | ||
| Average total assets | $585,158,500 | 1,285 |
| Average earning assets | $550,592,500 | 1,267 |
| Average equity | $66,604,500 | 1,317 |
| Average total loans | $423,984,500 | 1,235 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2916% | 3,557 |
| Cost of funding earning assets | 1.0301% | 1,598 |
| Net interest margin | 3.2615% | 4,060 |
| Noninterest income to average assets | 0.4543% | 2,985 |
| Noninterest expense to average assets | 2.5894% | 3,208 |
| Loan and lease loss provision to assets | 0.0086% | 3,837 |
| Net operating income to assets | 0.7388% | 3,738 |
| Return on assets (ROA) | 0.8957% | 3,307 |
| Pretax return on assets | 1.0978% | 3,173 |
| Return on Equity (ROE) | 8.2410% | 3,062 |
| Retained earnings to average equity (ytd only) | 7.7395% | 1,066 |
| Net charge-offs to loans | -0.0069% | 4,385 |
| Credit loss provision to net charge-offs | -166.6667% | 4,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8898% | 1,616 |
| Assets per employee ($millions) | 5.9180% | 1,690 |
| Cash dividends to net income (ytd only)* | 6.0856% | 3,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0134% | 3,420 |
| Loan loss allowance to noncurrent loans | 125.3570% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.6896% | 1,878 |
| Noncurrent loans to loans | 0.8084% | 1,892 |
| Net loans and leases to total assets | 71.7051% | 2,134 |
| Net loans and leases to deposits | 91.6066% | 1,417 |
| Net loans and leases to core deposits | 104.6333% | 1,192 |
| Total domestic deposits to total assets | 78.2750% | 4,315 |
| Equity capital to assets | 11.3098% | 2,697 |
| Core capital (leverage) ratio | 11.3857% | 2,195 |
| Tier 1 risk-based capital ratio | 16.7579% | 2,136 |
| Total risk-based capital ratio | 17.8496% | 2,121 |
| Memoranda: | ||
| Average total assets | $581,524,000 | 1,250 |
| Average earning assets | $543,831,800 | 1,249 |
| Average equity | $63,208,000 | 1,330 |
| Average total loans | $436,729,800 | 1,187 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3233% | 3,582 |
| Cost of funding earning assets | 1.0263% | 1,650 |
| Net interest margin | 3.2970% | 4,091 |
| Noninterest income to average assets | 0.3802% | 3,436 |
| Noninterest expense to average assets | 2.5472% | 3,303 |
| Loan and lease loss provision to assets | 0.0620% | 2,658 |
| Net operating income to assets | 0.6915% | 4,040 |
| Return on assets (ROA) | 0.8497% | 3,601 |
| Pretax return on assets | 1.0449% | 3,460 |
| Return on Equity (ROE) | 7.8980% | 3,356 |
| Retained earnings to average equity (ytd only) | 7.4304% | 1,658 |
| Net charge-offs to loans | 0.0073% | 3,120 |
| Credit loss provision to net charge-offs | 1,125.0000% | 316 |
| Earnings coverage of net charge-offs (x) | 165.3709% | 505 |
| Efficiency ratio | 73.6419% | 1,622 |
| Assets per employee ($millions) | 6.1536% | 1,492 |
| Cash dividends to net income (ytd only)* | 5.9205% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 3,445 |
| Loan loss allowance to noncurrent loans | 131.6534% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.6617% | 2,033 |
| Noncurrent loans to loans | 0.7767% | 2,026 |
| Net loans and leases to total assets | 73.9603% | 1,829 |
| Net loans and leases to deposits | 93.3443% | 1,287 |
| Net loans and leases to core deposits | 106.5366% | 1,146 |
| Total domestic deposits to total assets | 79.2339% | 4,137 |
| Equity capital to assets | 11.1402% | 2,977 |
| Core capital (leverage) ratio | 11.1470% | 2,516 |
| Tier 1 risk-based capital ratio | 16.0214% | 2,416 |
| Total risk-based capital ratio | 17.1289% | 2,416 |
| Memoranda: | ||
| Average total assets | $580,434,250 | 1,258 |
| Average earning assets | $542,012,250 | 1,254 |
| Average equity | $62,444,500 | 1,338 |
| Average total loans | $439,810,000 | 1,187 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3273% | 3,549 |
| Cost of funding earning assets | 1.0170% | 1,617 |
| Net interest margin | 3.3104% | 4,119 |
| Noninterest income to average assets | 0.3741% | 3,440 |
| Noninterest expense to average assets | 2.5804% | 3,243 |
| Loan and lease loss provision to assets | 0.0622% | 2,576 |
| Net operating income to assets | 0.6693% | 4,104 |
| Return on assets (ROA) | 0.8621% | 3,487 |
| Pretax return on assets | 1.0579% | 3,359 |
| Return on Equity (ROE) | 8.1103% | 3,244 |
| Retained earnings to average equity (ytd only) | 7.7334% | 1,506 |
| Net charge-offs to loans | -0.0041% | 4,076 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5237% | 1,580 |
| Assets per employee ($millions) | 6.0389% | 1,515 |
| Cash dividends to net income (ytd only)* | 4.6474% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0164% | 3,519 |
| Loan loss allowance to noncurrent loans | 132.4722% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.6494% | 2,097 |
| Noncurrent loans to loans | 0.7673% | 2,063 |
| Net loans and leases to total assets | 73.3163% | 1,998 |
| Net loans and leases to deposits | 93.3361% | 1,332 |
| Net loans and leases to core deposits | 106.2258% | 1,232 |
| Total domestic deposits to total assets | 78.5509% | 4,307 |
| Equity capital to assets | 10.8613% | 3,216 |
| Core capital (leverage) ratio | 10.8718% | 2,719 |
| Tier 1 risk-based capital ratio | 15.9006% | 2,456 |
| Total risk-based capital ratio | 17.0063% | 2,456 |
| Memoranda: | ||
| Average total assets | $579,048,330 | 1,259 |
| Average earning assets | $540,240,670 | 1,255 |
| Average equity | $61,551,000 | 1,350 |
| Average total loans | $440,802,330 | 1,184 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3052% | 3,536 |
| Cost of funding earning assets | 0.9900% | 1,607 |
| Net interest margin | 3.3152% | 4,123 |
| Noninterest income to average assets | 0.3231% | 3,700 |
| Noninterest expense to average assets | 2.6174% | 3,161 |
| Loan and lease loss provision to assets | 0.0625% | 2,410 |
| Net operating income to assets | 0.5959% | 4,258 |
| Return on assets (ROA) | 0.9144% | 3,221 |
| Pretax return on assets | 1.1214% | 3,087 |
| Return on Equity (ROE) | 8.6987% | 2,946 |
| Retained earnings to average equity (ytd only) | 7.9848% | 1,666 |
| Net charge-offs to loans | 0.0009% | 2,730 |
| Credit loss provision to net charge-offs | 9,000.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 1,145.0000% | 44 |
| Efficiency ratio | 76.6897% | 1,416 |
| Assets per employee ($millions) | 5.8793% | 1,641 |
| Cash dividends to net income (ytd only)* | 8.2067% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9673% | 3,891 |
| Loan loss allowance to noncurrent loans | 123.8862% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.6038% | 2,263 |
| Noncurrent loans to loans | 0.7808% | 2,079 |
| Net loans and leases to total assets | 76.5864% | 1,388 |
| Net loans and leases to deposits | 99.0392% | 694 |
| Net loans and leases to core deposits | 112.0726% | 825 |
| Total domestic deposits to total assets | 77.3294% | 4,616 |
| Equity capital to assets | 10.6873% | 3,176 |
| Core capital (leverage) ratio | 10.9249% | 2,642 |
| Tier 1 risk-based capital ratio | 15.2536% | 2,773 |
| Total risk-based capital ratio | 16.3098% | 2,780 |
| Memoranda: | ||
| Average total assets | $575,683,500 | 1,270 |
| Average earning assets | $536,554,500 | 1,263 |
| Average equity | $60,515,000 | 1,364 |
| Average total loans | $444,263,000 | 1,181 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2379% | 3,322 |
| Cost of funding earning assets | 0.7966% | 1,539 |
| Net interest margin | 3.4412% | 3,877 |
| Noninterest income to average assets | 0.4051% | 3,410 |
| Noninterest expense to average assets | 2.6580% | 3,161 |
| Loan and lease loss provision to assets | 0.0589% | 2,985 |
| Net operating income to assets | 0.7351% | 4,025 |
| Return on assets (ROA) | 0.9694% | 3,142 |
| Pretax return on assets | 1.1838% | 2,944 |
| Return on Equity (ROE) | 9.4096% | 2,785 |
| Retained earnings to average equity (ytd only) | 8.9386% | 885 |
| Net charge-offs to loans | 0.0062% | 3,475 |
| Credit loss provision to net charge-offs | 1,222.2222% | 328 |
| Earnings coverage of net charge-offs (x) | 198.6667% | 457 |
| Efficiency ratio | 73.5281% | 1,700 |
| Assets per employee ($millions) | 5.8101% | 1,665 |
| Cash dividends to net income (ytd only)* | 5.0055% | 3,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9529% | 3,947 |
| Loan loss allowance to noncurrent loans | 139.4911% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.5261% | 2,486 |
| Noncurrent loans to loans | 0.6831% | 2,282 |
| Net loans and leases to total assets | 76.2743% | 1,561 |
| Net loans and leases to deposits | 101.4196% | 631 |
| Net loans and leases to core deposits | 113.2125% | 820 |
| Total domestic deposits to total assets | 75.2066% | 4,847 |
| Equity capital to assets | 10.3361% | 3,340 |
| Core capital (leverage) ratio | 10.8622% | 2,666 |
| Tier 1 risk-based capital ratio | 14.6709% | 2,980 |
| Total risk-based capital ratio | 15.6855% | 3,007 |
| Memoranda: | ||
| Average total assets | $560,544,000 | 1,268 |
| Average earning assets | $522,834,400 | 1,262 |
| Average equity | $57,749,800 | 1,365 |
| Average total loans | $433,339,400 | 1,175 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2007% | 3,325 |
| Cost of funding earning assets | 0.7648% | 1,511 |
| Net interest margin | 3.4359% | 3,907 |
| Noninterest income to average assets | 0.3627% | 3,709 |
| Noninterest expense to average assets | 2.6377% | 3,168 |
| Loan and lease loss provision to assets | 0.0646% | 2,678 |
| Net operating income to assets | 0.7039% | 4,211 |
| Return on assets (ROA) | 1.0123% | 3,043 |
| Pretax return on assets | 1.2507% | 2,808 |
| Return on Equity (ROE) | 9.8339% | 2,695 |
| Retained earnings to average equity (ytd only) | 9.3966% | 1,076 |
| Net charge-offs to loans | 0.0084% | 3,116 |
| Credit loss provision to net charge-offs | 1,000.0000% | 414 |
| Earnings coverage of net charge-offs (x) | 144.5889% | 564 |
| Efficiency ratio | 73.8355% | 1,618 |
| Assets per employee ($millions) | 5.7085% | 1,731 |
| Cash dividends to net income (ytd only)* | 4.4465% | 3,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9591% | 4,014 |
| Loan loss allowance to noncurrent loans | 112.7948% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.6594% | 2,216 |
| Noncurrent loans to loans | 0.8503% | 2,002 |
| Net loans and leases to total assets | 76.8108% | 1,532 |
| Net loans and leases to deposits | 102.0830% | 645 |
| Net loans and leases to core deposits | 115.1512% | 754 |
| Total domestic deposits to total assets | 75.2435% | 4,861 |
| Equity capital to assets | 10.4247% | 3,213 |
| Core capital (leverage) ratio | 10.7922% | 2,799 |
| Tier 1 risk-based capital ratio | 14.6092% | 3,061 |
| Total risk-based capital ratio | 15.6629% | 3,080 |
| Memoranda: | ||
| Average total assets | $556,880,500 | 1,278 |
| Average earning assets | $520,223,750 | 1,268 |
| Average equity | $57,324,000 | 1,375 |
| Average total loans | $430,937,000 | 1,180 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1260% | 3,362 |
| Cost of funding earning assets | 0.7302% | 1,467 |
| Net interest margin | 3.3958% | 3,965 |
| Noninterest income to average assets | 0.3482% | 3,841 |
| Noninterest expense to average assets | 2.6847% | 3,066 |
| Loan and lease loss provision to assets | 0.0647% | 2,602 |
| Net operating income to assets | 0.6268% | 4,417 |
| Return on assets (ROA) | 0.9539% | 3,222 |
| Pretax return on assets | 1.1690% | 3,052 |
| Return on Equity (ROE) | 9.3065% | 2,890 |
| Retained earnings to average equity (ytd only) | 8.6468% | 1,338 |
| Net charge-offs to loans | -0.0023% | 3,968 |
| Credit loss provision to net charge-offs | -3,600.0000% | 4,720 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2800% | 1,392 |
| Assets per employee ($millions) | 5.8389% | 1,608 |
| Cash dividends to net income (ytd only)* | 7.0890% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9432% | 4,147 |
| Loan loss allowance to noncurrent loans | 102.1918% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 0.7163% | 2,087 |
| Noncurrent loans to loans | 0.9229% | 1,878 |
| Net loans and leases to total assets | 76.8773% | 1,490 |
| Net loans and leases to deposits | 102.2070% | 644 |
| Net loans and leases to core deposits | 114.5877% | 766 |
| Total domestic deposits to total assets | 75.2173% | 4,936 |
| Equity capital to assets | 10.2297% | 3,414 |
| Core capital (leverage) ratio | 10.5047% | 3,024 |
| Tier 1 risk-based capital ratio | 14.2012% | 3,265 |
| Total risk-based capital ratio | 15.2267% | 3,297 |
| Memoranda: | ||
| Average total assets | $556,030,000 | 1,281 |
| Average earning assets | $519,295,670 | 1,274 |
| Average equity | $56,992,330 | 1,376 |
| Average total loans | $429,961,000 | 1,185 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0487% | 3,421 |
| Cost of funding earning assets | 0.6780% | 1,554 |
| Net interest margin | 3.3707% | 3,983 |
| Noninterest income to average assets | 0.3547% | 3,776 |
| Noninterest expense to average assets | 2.7831% | 2,762 |
| Loan and lease loss provision to assets | 0.0650% | 2,472 |
| Net operating income to assets | 0.5438% | 4,594 |
| Return on assets (ROA) | 0.7693% | 3,835 |
| Pretax return on assets | 0.9238% | 3,773 |
| Return on Equity (ROE) | 7.4976% | 3,587 |
| Retained earnings to average equity (ytd only) | 6.8781% | 2,332 |
| Net charge-offs to loans | -0.0103% | 4,262 |
| Credit loss provision to net charge-offs | -818.1818% | 4,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5089% | 1,195 |
| Assets per employee ($millions) | 5.7396% | 1,732 |
| Cash dividends to net income (ytd only)* | 8.2629% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9311% | 4,299 |
| Loan loss allowance to noncurrent loans | 104.0383% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 0.6939% | 2,246 |
| Noncurrent loans to loans | 0.8949% | 2,036 |
| Net loans and leases to total assets | 76.8092% | 1,412 |
| Net loans and leases to deposits | 100.1520% | 699 |
| Net loans and leases to core deposits | 111.0765% | 941 |
| Total domestic deposits to total assets | 76.6927% | 4,898 |
| Equity capital to assets | 10.1530% | 3,449 |
| Core capital (leverage) ratio | 10.4730% | 2,978 |
| Tier 1 risk-based capital ratio | 13.9599% | 3,400 |
| Total risk-based capital ratio | 14.9953% | 3,427 |
| Memoranda: | ||
| Average total assets | $553,779,000 | 1,293 |
| Average earning assets | $516,804,000 | 1,292 |
| Average equity | $56,818,000 | 1,394 |
| Average total loans | $427,429,000 | 1,197 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0242% | 3,325 |
| Cost of funding earning assets | 0.6045% | 1,568 |
| Net interest margin | 3.4196% | 3,788 |
| Noninterest income to average assets | 0.3825% | 3,746 |
| Noninterest expense to average assets | 2.7869% | 2,817 |
| Loan and lease loss provision to assets | 0.0618% | 2,989 |
| Net operating income to assets | 0.4493% | 4,536 |
| Return on assets (ROA) | 0.7158% | 3,586 |
| Pretax return on assets | 1.1431% | 3,012 |
| Return on Equity (ROE) | 6.8671% | 3,346 |
| Retained earnings to average equity (ytd only) | 6.4986% | 1,277 |
| Net charge-offs to loans | 0.0082% | 3,790 |
| Credit loss provision to net charge-offs | 1,000.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 127.5455% | 535 |
| Efficiency ratio | 77.9472% | 1,362 |
| Assets per employee ($millions) | 5.6206% | 1,826 |
| Cash dividends to net income (ytd only)* | 5.3651% | 4,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9258% | 4,342 |
| Loan loss allowance to noncurrent loans | 88.0845% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 0.8075% | 1,930 |
| Noncurrent loans to loans | 1.0510% | 1,691 |
| Net loans and leases to total assets | 76.1219% | 1,568 |
| Net loans and leases to deposits | 100.0212% | 725 |
| Net loans and leases to core deposits | 109.7124% | 1,025 |
| Total domestic deposits to total assets | 76.1058% | 4,970 |
| Equity capital to assets | 10.3683% | 3,314 |
| Core capital (leverage) ratio | 10.4807% | 2,859 |
| Tier 1 risk-based capital ratio | 14.0172% | 3,352 |
| Total risk-based capital ratio | 15.1201% | 3,344 |
| Memoranda: | ||
| Average total assets | $533,823,200 | 1,319 |
| Average earning assets | $498,415,000 | 1,310 |
| Average equity | $55,642,400 | 1,398 |
| Average total loans | $403,793,400 | 1,223 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0113% | 3,318 |
| Cost of funding earning assets | 0.5978% | 1,539 |
| Net interest margin | 3.4135% | 3,802 |
| Noninterest income to average assets | 0.3797% | 3,811 |
| Noninterest expense to average assets | 2.7533% | 2,882 |
| Loan and lease loss provision to assets | 0.0680% | 2,713 |
| Net operating income to assets | 0.5357% | 4,633 |
| Return on assets (ROA) | 0.9371% | 2,907 |
| Pretax return on assets | 1.3047% | 2,461 |
| Return on Equity (ROE) | 8.9778% | 2,618 |
| Retained earnings to average equity (ytd only) | 8.6836% | 953 |
| Net charge-offs to loans | 0.0140% | 3,244 |
| Credit loss provision to net charge-offs | 642.8571% | 510 |
| Earnings coverage of net charge-offs (x) | 77.0934% | 832 |
| Efficiency ratio | 77.1554% | 1,442 |
| Assets per employee ($millions) | 5.4782% | 1,943 |
| Cash dividends to net income (ytd only)* | 3.2778% | 3,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 4,408 |
| Loan loss allowance to noncurrent loans | 85.4384% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 0.8630% | 1,993 |
| Noncurrent loans to loans | 1.0943% | 1,761 |
| Net loans and leases to total assets | 75.9644% | 1,596 |
| Net loans and leases to deposits | 98.3569% | 884 |
| Net loans and leases to core deposits | 107.5953% | 1,160 |
| Total domestic deposits to total assets | 77.2335% | 4,842 |
| Equity capital to assets | 10.6245% | 3,238 |
| Core capital (leverage) ratio | 10.5429% | 2,942 |
| Tier 1 risk-based capital ratio | 14.1388% | 3,384 |
| Total risk-based capital ratio | 15.2162% | 3,380 |
| Memoranda: | ||
| Average total assets | $529,575,250 | 1,337 |
| Average earning assets | $494,728,250 | 1,326 |
| Average equity | $55,275,500 | 1,417 |
| Average total loans | $398,939,500 | 1,243 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9946% | 3,222 |
| Cost of funding earning assets | 0.5956% | 1,477 |
| Net interest margin | 3.3989% | 3,776 |
| Noninterest income to average assets | 0.3790% | 3,840 |
| Noninterest expense to average assets | 2.8125% | 2,711 |
| Loan and lease loss provision to assets | 0.0683% | 2,603 |
| Net operating income to assets | 0.5170% | 4,664 |
| Return on assets (ROA) | 0.5915% | 4,396 |
| Pretax return on assets | 0.7690% | 4,376 |
| Return on Equity (ROE) | 5.7015% | 4,182 |
| Retained earnings to average equity (ytd only) | 5.4272% | 2,457 |
| Net charge-offs to loans | 0.0294% | 2,620 |
| Credit loss provision to net charge-offs | 310.3448% | 941 |
| Earnings coverage of net charge-offs (x) | 33.6552% | 1,383 |
| Efficiency ratio | 79.1564% | 1,316 |
| Assets per employee ($millions) | 5.4292% | 1,941 |
| Cash dividends to net income (ytd only)* | 4.8108% | 3,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 4,485 |
| Loan loss allowance to noncurrent loans | 91.4935% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 0.7689% | 2,286 |
| Noncurrent loans to loans | 1.0239% | 1,923 |
| Net loans and leases to total assets | 74.3937% | 1,800 |
| Net loans and leases to deposits | 94.8181% | 1,195 |
| Net loans and leases to core deposits | 103.7830% | 1,368 |
| Total domestic deposits to total assets | 78.4594% | 4,740 |
| Equity capital to assets | 10.4980% | 3,345 |
| Core capital (leverage) ratio | 10.2893% | 3,157 |
| Tier 1 risk-based capital ratio | 13.4686% | 3,713 |
| Total risk-based capital ratio | 14.6868% | 3,646 |
| Memoranda: | ||
| Average total assets | $527,146,000 | 1,349 |
| Average earning assets | $492,270,330 | 1,340 |
| Average equity | $54,687,670 | 1,431 |
| Average total loans | $394,694,670 | 1,254 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0554% | 2,827 |
| Cost of funding earning assets | 0.5980% | 1,388 |
| Net interest margin | 3.4573% | 3,428 |
| Noninterest income to average assets | 0.4025% | 3,644 |
| Noninterest expense to average assets | 2.8718% | 2,542 |
| Loan and lease loss provision to assets | 0.0686% | 2,440 |
| Net operating income to assets | 0.5220% | 4,509 |
| Return on assets (ROA) | 0.6251% | 4,092 |
| Pretax return on assets | 0.8241% | 4,018 |
| Return on Equity (ROE) | 6.0625% | 3,880 |
| Retained earnings to average equity (ytd only) | 5.5080% | 2,594 |
| Net charge-offs to loans | 0.0092% | 2,653 |
| Credit loss provision to net charge-offs | 1,000.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 110.3333% | 495 |
| Efficiency ratio | 79.1387% | 1,468 |
| Assets per employee ($millions) | 5.4051% | 1,976 |
| Cash dividends to net income (ytd only)* | 9.1463% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9541% | 4,526 |
| Loan loss allowance to noncurrent loans | 98.4313% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 0.7100% | 2,515 |
| Noncurrent loans to loans | 0.9693% | 2,110 |
| Net loans and leases to total assets | 72.5502% | 1,997 |
| Net loans and leases to deposits | 92.7602% | 1,247 |
| Net loans and leases to core deposits | 101.9263% | 1,375 |
| Total domestic deposits to total assets | 78.2126% | 4,943 |
| Equity capital to assets | 10.3209% | 3,384 |
| Core capital (leverage) ratio | 10.2394% | 3,206 |
| Tier 1 risk-based capital ratio | 14.3928% | 3,262 |
| Total risk-based capital ratio | 15.6797% | 3,164 |
| Memoranda: | ||
| Average total assets | $524,686,500 | 1,359 |
| Average earning assets | $489,624,000 | 1,346 |
| Average equity | $54,103,500 | 1,440 |
| Average total loans | $392,259,000 | 1,267 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9696% | 3,312 |
| Cost of funding earning assets | 0.6132% | 1,252 |
| Net interest margin | 3.3564% | 3,975 |
| Noninterest income to average assets | 0.4510% | 3,539 |
| Noninterest expense to average assets | 2.8321% | 2,914 |
| Loan and lease loss provision to assets | 0.0636% | 3,104 |
| Net operating income to assets | 0.5189% | 4,555 |
| Return on assets (ROA) | 0.6372% | 4,169 |
| Pretax return on assets | 0.8409% | 4,046 |
| Return on Equity (ROE) | 6.2884% | 3,853 |
| Retained earnings to average equity (ytd only) | 5.9385% | 1,743 |
| Net charge-offs to loans | -0.0212% | 5,147 |
| Credit loss provision to net charge-offs | -397.5904% | 5,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0862% | 1,545 |
| Assets per employee ($millions) | 5.4133% | 1,944 |
| Cash dividends to net income (ytd only)* | 5.5656% | 4,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9132% | 4,736 |
| Loan loss allowance to noncurrent loans | 97.0257% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 0.7181% | 2,577 |
| Noncurrent loans to loans | 0.9412% | 2,205 |
| Net loans and leases to total assets | 75.6046% | 1,580 |
| Net loans and leases to deposits | 96.8461% | 921 |
| Net loans and leases to core deposits | 106.7765% | 1,080 |
| Total domestic deposits to total assets | 78.0667% | 4,970 |
| Equity capital to assets | 10.3021% | 3,384 |
| Core capital (leverage) ratio | 10.0419% | 3,437 |
| Tier 1 risk-based capital ratio | 13.3302% | 3,881 |
| Total risk-based capital ratio | 14.4765% | 3,851 |
| Memoranda: | ||
| Average total assets | $518,873,000 | 1,321 |
| Average earning assets | $483,882,200 | 1,312 |
| Average equity | $52,572,600 | 1,461 |
| Average total loans | $391,321,000 | 1,218 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9685% | 3,328 |
| Cost of funding earning assets | 0.6085% | 1,269 |
| Net interest margin | 3.3600% | 3,995 |
| Noninterest income to average assets | 0.4308% | 3,687 |
| Noninterest expense to average assets | 2.9007% | 2,647 |
| Loan and lease loss provision to assets | 0.0694% | 2,831 |
| Net operating income to assets | 0.4585% | 4,842 |
| Return on assets (ROA) | 0.5882% | 4,448 |
| Pretax return on assets | 0.7632% | 4,430 |
| Return on Equity (ROE) | 5.8294% | 4,155 |
| Retained earnings to average equity (ytd only) | 5.5669% | 2,450 |
| Net charge-offs to loans | -0.0294% | 5,157 |
| Credit loss provision to net charge-offs | -313.9535% | 4,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3672% | 1,264 |
| Assets per employee ($millions) | 5.4385% | 1,914 |
| Cash dividends to net income (ytd only)* | 4.5018% | 3,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9008% | 4,868 |
| Loan loss allowance to noncurrent loans | 101.3652% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 0.6734% | 2,889 |
| Noncurrent loans to loans | 0.8887% | 2,481 |
| Net loans and leases to total assets | 75.0995% | 1,684 |
| Net loans and leases to deposits | 98.9135% | 785 |
| Net loans and leases to core deposits | 109.2109% | 970 |
| Total domestic deposits to total assets | 75.9245% | 5,244 |
| Equity capital to assets | 10.3234% | 3,779 |
| Core capital (leverage) ratio | 9.9110% | 3,678 |
| Tier 1 risk-based capital ratio | 13.3732% | 3,938 |
| Total risk-based capital ratio | 14.5150% | 3,908 |
| Memoranda: | ||
| Average total assets | $518,673,250 | 1,325 |
| Average earning assets | $483,804,000 | 1,314 |
| Average equity | $52,331,500 | 1,472 |
| Average total loans | $390,022,000 | 1,222 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9679% | 3,353 |
| Cost of funding earning assets | 0.6051% | 1,277 |
| Net interest margin | 3.3628% | 4,013 |
| Noninterest income to average assets | 0.4185% | 3,752 |
| Noninterest expense to average assets | 2.9513% | 2,514 |
| Loan and lease loss provision to assets | 0.0696% | 2,751 |
| Net operating income to assets | 0.4193% | 4,978 |
| Return on assets (ROA) | 0.5700% | 4,526 |
| Pretax return on assets | 0.7288% | 4,537 |
| Return on Equity (ROE) | 5.6940% | 4,198 |
| Retained earnings to average equity (ytd only) | 5.4392% | 2,457 |
| Net charge-offs to loans | -0.0392% | 5,254 |
| Credit loss provision to net charge-offs | -236.8421% | 4,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9838% | 1,149 |
| Assets per employee ($millions) | 5.2180% | 2,070 |
| Cash dividends to net income (ytd only)* | 4.4746% | 3,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8792% | 5,015 |
| Loan loss allowance to noncurrent loans | 81.8526% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 0.8030% | 2,588 |
| Noncurrent loans to loans | 1.0742% | 2,141 |
| Net loans and leases to total assets | 74.0991% | 1,822 |
| Net loans and leases to deposits | 97.7003% | 915 |
| Net loans and leases to core deposits | 107.2369% | 1,079 |
| Total domestic deposits to total assets | 75.8432% | 5,308 |
| Equity capital to assets | 10.1321% | 4,052 |
| Core capital (leverage) ratio | 9.7456% | 3,875 |
| Tier 1 risk-based capital ratio | 13.1037% | 4,137 |
| Total risk-based capital ratio | 14.2109% | 4,134 |
| Memoranda: | ||
| Average total assets | $517,533,000 | 1,338 |
| Average earning assets | $482,928,000 | 1,319 |
| Average equity | $51,809,330 | 1,490 |
| Average total loans | $388,144,670 | 1,231 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9941% | 3,246 |
| Cost of funding earning assets | 0.5966% | 1,350 |
| Net interest margin | 3.3974% | 3,877 |
| Noninterest income to average assets | 0.4298% | 3,619 |
| Noninterest expense to average assets | 3.0851% | 2,137 |
| Loan and lease loss provision to assets | 0.0702% | 2,544 |
| Net operating income to assets | 0.3677% | 5,087 |
| Return on assets (ROA) | 0.4493% | 4,916 |
| Pretax return on assets | 0.5398% | 4,981 |
| Return on Equity (ROE) | 4.5163% | 4,698 |
| Retained earnings to average equity (ytd only) | 3.9988% | 3,490 |
| Net charge-offs to loans | -0.0716% | 5,510 |
| Credit loss provision to net charge-offs | -130.4348% | 4,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7732% | 995 |
| Assets per employee ($millions) | 5.2377% | 2,096 |
| Cash dividends to net income (ytd only)* | 11.4583% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8717% | 5,146 |
| Loan loss allowance to noncurrent loans | 101.5993% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 0.6391% | 3,141 |
| Noncurrent loans to loans | 0.8580% | 2,704 |
| Net loans and leases to total assets | 73.8392% | 1,751 |
| Net loans and leases to deposits | 97.4616% | 803 |
| Net loans and leases to core deposits | 106.6682% | 1,038 |
| Total domestic deposits to total assets | 75.7624% | 5,435 |
| Equity capital to assets | 9.9831% | 4,100 |
| Core capital (leverage) ratio | 9.7446% | 3,854 |
| Tier 1 risk-based capital ratio | 13.8796% | 3,770 |
| Total risk-based capital ratio | 15.0115% | 3,764 |
| Memoranda: | ||
| Average total assets | $512,791,500 | 1,344 |
| Average earning assets | $478,006,000 | 1,326 |
| Average equity | $51,015,000 | 1,506 |
| Average total loans | $385,228,000 | 1,234 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0538% | 3,096 |
| Cost of funding earning assets | 0.5912% | 1,428 |
| Net interest margin | 3.4626% | 3,667 |
| Noninterest income to average assets | 0.4789% | 3,470 |
| Noninterest expense to average assets | 2.9616% | 2,669 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5909% | 4,320 |
| Return on assets (ROA) | 0.6704% | 4,035 |
| Pretax return on assets | 0.8457% | 4,039 |
| Return on Equity (ROE) | 6.7767% | 3,631 |
| Retained earnings to average equity (ytd only) | 6.6496% | 1,467 |
| Net charge-offs to loans | 0.0270% | 3,689 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 36.7300% | 1,260 |
| Efficiency ratio | 79.8993% | 1,690 |
| Assets per employee ($millions) | 5.1740% | 2,151 |
| Cash dividends to net income (ytd only)* | 1.8759% | 4,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8350% | 5,315 |
| Loan loss allowance to noncurrent loans | 94.5755% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.6690% | 3,037 |
| Noncurrent loans to loans | 0.8828% | 2,586 |
| Net loans and leases to total assets | 75.1406% | 1,545 |
| Net loans and leases to deposits | 98.9539% | 752 |
| Net loans and leases to core deposits | 108.6525% | 935 |
| Total domestic deposits to total assets | 75.9350% | 5,448 |
| Equity capital to assets | 9.9131% | 4,059 |
| Core capital (leverage) ratio | 9.9578% | 3,565 |
| Tier 1 risk-based capital ratio | 13.8904% | 3,775 |
| Total risk-based capital ratio | 14.9485% | 3,818 |
| Memoranda: | ||
| Average total assets | $492,976,800 | 1,367 |
| Average earning assets | $459,538,800 | 1,350 |
| Average equity | $48,770,200 | 1,535 |
| Average total loans | $370,348,800 | 1,231 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0703% | 3,063 |
| Cost of funding earning assets | 0.5942% | 1,441 |
| Net interest margin | 3.4761% | 3,639 |
| Noninterest income to average assets | 0.4887% | 3,448 |
| Noninterest expense to average assets | 2.8918% | 2,875 |
| Loan and lease loss provision to assets | 0.0872% | 2,411 |
| Net operating income to assets | 0.5915% | 4,426 |
| Return on assets (ROA) | 0.6769% | 4,115 |
| Pretax return on assets | 0.8575% | 4,146 |
| Return on Equity (ROE) | 6.8461% | 3,707 |
| Retained earnings to average equity (ytd only) | 6.7083% | 1,828 |
| Net charge-offs to loans | 0.0174% | 3,601 |
| Credit loss provision to net charge-offs | 666.6667% | 511 |
| Earnings coverage of net charge-offs (x) | 63.9775% | 871 |
| Efficiency ratio | 77.5627% | 2,011 |
| Assets per employee ($millions) | 4.7922% | 2,571 |
| Cash dividends to net income (ytd only)* | 2.0122% | 3,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 4,862 |
| Loan loss allowance to noncurrent loans | 82.2421% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 0.8905% | 2,647 |
| Noncurrent loans to loans | 1.1869% | 2,151 |
| Net loans and leases to total assets | 74.3000% | 1,681 |
| Net loans and leases to deposits | 97.6112% | 847 |
| Net loans and leases to core deposits | 106.7994% | 1,045 |
| Total domestic deposits to total assets | 76.1183% | 5,470 |
| Equity capital to assets | 10.1165% | 4,034 |
| Core capital (leverage) ratio | 9.8796% | 3,800 |
| Tier 1 risk-based capital ratio | 14.3965% | 3,632 |
| Total risk-based capital ratio | 15.5642% | 3,591 |
| Memoranda: | ||
| Average total assets | $489,457,250 | 1,380 |
| Average earning assets | $456,176,750 | 1,362 |
| Average equity | $48,396,500 | 1,549 |
| Average total loans | $366,883,000 | 1,244 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0672% | 3,019 |
| Cost of funding earning assets | 0.5920% | 1,469 |
| Net interest margin | 3.4751% | 3,603 |
| Noninterest income to average assets | 0.4815% | 3,493 |
| Noninterest expense to average assets | 2.9121% | 2,856 |
| Loan and lease loss provision to assets | 0.0980% | 2,184 |
| Net operating income to assets | 0.5663% | 4,493 |
| Return on assets (ROA) | 0.6670% | 4,150 |
| Pretax return on assets | 0.8385% | 4,175 |
| Return on Equity (ROE) | 6.7977% | 3,732 |
| Retained earnings to average equity (ytd only) | 6.5896% | 1,905 |
| Net charge-offs to loans | 0.0392% | 2,892 |
| Credit loss provision to net charge-offs | 333.3333% | 861 |
| Earnings coverage of net charge-offs (x) | 27.5694% | 1,448 |
| Efficiency ratio | 78.2227% | 2,035 |
| Assets per employee ($millions) | 4.8066% | 2,533 |
| Cash dividends to net income (ytd only)* | 3.0618% | 3,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9376% | 5,153 |
| Loan loss allowance to noncurrent loans | 77.6413% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 0.9132% | 2,702 |
| Noncurrent loans to loans | 1.2076% | 2,241 |
| Net loans and leases to total assets | 74.9106% | 1,519 |
| Net loans and leases to deposits | 96.3541% | 929 |
| Net loans and leases to core deposits | 105.3609% | 1,105 |
| Total domestic deposits to total assets | 77.7451% | 5,322 |
| Equity capital to assets | 9.8473% | 4,223 |
| Core capital (leverage) ratio | 9.6667% | 4,043 |
| Tier 1 risk-based capital ratio | 13.9492% | 3,962 |
| Total risk-based capital ratio | 15.1130% | 3,934 |
| Memoranda: | ||
| Average total assets | $489,674,670 | 1,390 |
| Average earning assets | $456,732,330 | 1,367 |
| Average equity | $48,045,330 | 1,564 |
| Average total loans | $366,923,330 | 1,253 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0314% | 3,119 |
| Cost of funding earning assets | 0.5867% | 1,526 |
| Net interest margin | 3.4447% | 3,646 |
| Noninterest income to average assets | 0.3964% | 4,031 |
| Noninterest expense to average assets | 2.9311% | 2,804 |
| Loan and lease loss provision to assets | 0.0981% | 2,060 |
| Net operating income to assets | 0.4822% | 4,753 |
| Return on assets (ROA) | 0.5852% | 4,443 |
| Pretax return on assets | 0.7005% | 4,590 |
| Return on Equity (ROE) | 5.9756% | 4,049 |
| Retained earnings to average equity (ytd only) | 5.5583% | 2,745 |
| Net charge-offs to loans | 0.0723% | 1,996 |
| Credit loss provision to net charge-offs | 181.8182% | 1,115 |
| Earnings coverage of net charge-offs (x) | 12.5303% | 1,792 |
| Efficiency ratio | 81.2599% | 1,721 |
| Assets per employee ($millions) | 4.8961% | 2,492 |
| Cash dividends to net income (ytd only)* | 6.9832% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9170% | 5,384 |
| Loan loss allowance to noncurrent loans | 63.3026% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 1.1199% | 2,393 |
| Noncurrent loans to loans | 1.4486% | 1,965 |
| Net loans and leases to total assets | 73.4604% | 1,573 |
| Net loans and leases to deposits | 95.4582% | 871 |
| Net loans and leases to core deposits | 104.3346% | 1,043 |
| Total domestic deposits to total assets | 76.9556% | 5,619 |
| Equity capital to assets | 9.7732% | 4,411 |
| Core capital (leverage) ratio | 9.5922% | 4,159 |
| Tier 1 risk-based capital ratio | 13.8142% | 4,140 |
| Total risk-based capital ratio | 14.9995% | 4,100 |
| Memoranda: | ||
| Average total assets | $489,374,500 | 1,391 |
| Average earning assets | $456,114,500 | 1,377 |
| Average equity | $47,928,500 | 1,570 |
| Average total loans | $365,013,000 | 1,255 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1643% | 3,065 |
| Cost of funding earning assets | 0.5917% | 1,837 |
| Net interest margin | 3.5726% | 3,507 |
| Noninterest income to average assets | 0.4048% | 4,151 |
| Noninterest expense to average assets | 2.9068% | 3,131 |
| Loan and lease loss provision to assets | 0.0292% | 4,022 |
| Net operating income to assets | 0.6089% | 4,327 |
| Return on assets (ROA) | 0.6828% | 4,094 |
| Pretax return on assets | 0.8760% | 3,976 |
| Return on Equity (ROE) | 6.8317% | 3,733 |
| Retained earnings to average equity (ytd only) | 5.5747% | 2,212 |
| Net charge-offs to loans | 0.1128% | 2,902 |
| Credit loss provision to net charge-offs | 35.0000% | 3,770 |
| Earnings coverage of net charge-offs (x) | 9.7100% | 2,711 |
| Efficiency ratio | 78.1969% | 2,187 |
| Assets per employee ($millions) | 4.7945% | 2,599 |
| Cash dividends to net income (ytd only)* | 18.3985% | 3,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9103% | 5,440 |
| Loan loss allowance to noncurrent loans | 61.0332% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 1.3989% | 1,988 |
| Noncurrent loans to loans | 1.4915% | 1,965 |
| Net loans and leases to total assets | 74.3614% | 1,526 |
| Net loans and leases to deposits | 95.8627% | 907 |
| Net loans and leases to core deposits | 106.0508% | 1,017 |
| Total domestic deposits to total assets | 77.5707% | 5,511 |
| Equity capital to assets | 9.8149% | 4,331 |
| Core capital (leverage) ratio | 9.5489% | 4,173 |
| Tier 1 risk-based capital ratio | 13.8865% | 4,177 |
| Total risk-based capital ratio | 15.1028% | 4,140 |
| Memoranda: | ||
| Average total assets | $479,218,200 | 1,394 |
| Average earning assets | $444,320,200 | 1,373 |
| Average equity | $47,894,600 | 1,506 |
| Average total loans | $354,471,600 | 1,246 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1687% | 3,094 |
| Cost of funding earning assets | 0.5984% | 1,846 |
| Net interest margin | 3.5704% | 3,549 |
| Noninterest income to average assets | 0.4112% | 4,162 |
| Noninterest expense to average assets | 2.8724% | 3,226 |
| Loan and lease loss provision to assets | 0.1004% | 2,362 |
| Net operating income to assets | 0.5792% | 4,545 |
| Return on assets (ROA) | 0.6594% | 4,265 |
| Pretax return on assets | 0.8486% | 4,184 |
| Return on Equity (ROE) | 6.5684% | 3,923 |
| Retained earnings to average equity (ytd only) | 5.1208% | 3,004 |
| Net charge-offs to loans | 0.0651% | 3,269 |
| Credit loss provision to net charge-offs | 209.3023% | 1,228 |
| Earnings coverage of net charge-offs (x) | 17.6335% | 1,890 |
| Efficiency ratio | 77.2468% | 2,316 |
| Assets per employee ($millions) | 4.7975% | 2,519 |
| Cash dividends to net income (ytd only)* | 22.0389% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 4,988 |
| Loan loss allowance to noncurrent loans | 52.2247% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 1.8013% | 1,650 |
| Noncurrent loans to loans | 2.0102% | 1,577 |
| Net loans and leases to total assets | 73.7904% | 1,555 |
| Net loans and leases to deposits | 92.7286% | 1,161 |
| Net loans and leases to core deposits | 101.8986% | 1,221 |
| Total domestic deposits to total assets | 79.5767% | 5,203 |
| Equity capital to assets | 9.7813% | 4,441 |
| Core capital (leverage) ratio | 9.3495% | 4,569 |
| Tier 1 risk-based capital ratio | 13.8350% | 4,331 |
| Total risk-based capital ratio | 15.1495% | 4,230 |
| Memoranda: | ||
| Average total assets | $477,962,250 | 1,410 |
| Average earning assets | $442,744,250 | 1,396 |
| Average equity | $47,986,250 | 1,506 |
| Average total loans | $352,240,250 | 1,261 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1449% | 3,171 |
| Cost of funding earning assets | 0.6060% | 1,857 |
| Net interest margin | 3.5389% | 3,615 |
| Noninterest income to average assets | 0.3947% | 4,280 |
| Noninterest expense to average assets | 2.9018% | 3,158 |
| Loan and lease loss provision to assets | 0.1006% | 2,343 |
| Net operating income to assets | 0.5325% | 4,682 |
| Return on assets (ROA) | 0.6280% | 4,303 |
| Pretax return on assets | 0.7877% | 4,323 |
| Return on Equity (ROE) | 6.2019% | 4,049 |
| Retained earnings to average equity (ytd only) | 4.2987% | 3,438 |
| Net charge-offs to loans | 0.0280% | 3,631 |
| Credit loss provision to net charge-offs | 489.7959% | 602 |
| Earnings coverage of net charge-offs (x) | 37.4490% | 1,107 |
| Efficiency ratio | 79.0549% | 2,161 |
| Assets per employee ($millions) | 4.8850% | 2,358 |
| Cash dividends to net income (ytd only)* | 30.6871% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 5,062 |
| Loan loss allowance to noncurrent loans | 60.5314% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 1.6158% | 2,025 |
| Noncurrent loans to loans | 1.7540% | 1,966 |
| Net loans and leases to total assets | 72.4323% | 1,663 |
| Net loans and leases to deposits | 90.5295% | 1,318 |
| Net loans and leases to core deposits | 99.5309% | 1,316 |
| Total domestic deposits to total assets | 80.0096% | 5,234 |
| Equity capital to assets | 9.5647% | 4,673 |
| Core capital (leverage) ratio | 9.2441% | 4,676 |
| Tier 1 risk-based capital ratio | 13.6895% | 4,463 |
| Total risk-based capital ratio | 15.0204% | 4,357 |
| Memoranda: | ||
| Average total assets | $477,365,670 | 1,401 |
| Average earning assets | $441,891,000 | 1,394 |
| Average equity | $48,339,670 | 1,479 |
| Average total loans | $350,398,000 | 1,257 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1461% | 3,096 |
| Cost of funding earning assets | 0.6256% | 1,765 |
| Net interest margin | 3.5205% | 3,598 |
| Noninterest income to average assets | 0.3846% | 4,313 |
| Noninterest expense to average assets | 2.9032% | 3,202 |
| Loan and lease loss provision to assets | 0.1012% | 2,233 |
| Net operating income to assets | 0.5163% | 4,605 |
| Return on assets (ROA) | 0.5634% | 4,470 |
| Pretax return on assets | 0.6992% | 4,493 |
| Return on Equity (ROE) | 5.4109% | 4,327 |
| Retained earnings to average equity (ytd only) | 4.3336% | 3,529 |
| Net charge-offs to loans | 0.0264% | 3,042 |
| Credit loss provision to net charge-offs | 521.7391% | 523 |
| Earnings coverage of net charge-offs (x) | 38.2609% | 904 |
| Efficiency ratio | 79.6391% | 2,254 |
| Assets per employee ($millions) | 4.5621% | 2,870 |
| Cash dividends to net income (ytd only)* | 19.9102% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0472% | 5,323 |
| Loan loss allowance to noncurrent loans | 50.0205% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 1.6129% | 2,186 |
| Noncurrent loans to loans | 2.0936% | 1,765 |
| Net loans and leases to total assets | 72.2935% | 1,537 |
| Net loans and leases to deposits | 88.4902% | 1,307 |
| Net loans and leases to core deposits | 95.9979% | 1,385 |
| Total domestic deposits to total assets | 81.6967% | 5,029 |
| Equity capital to assets | 10.4336% | 3,316 |
| Core capital (leverage) ratio | 10.0557% | 3,490 |
| Tier 1 risk-based capital ratio | 15.2128% | 3,607 |
| Total risk-based capital ratio | 16.5224% | 3,516 |
| Memoranda: | ||
| Average total assets | $474,242,000 | 1,417 |
| Average earning assets | $439,257,000 | 1,402 |
| Average equity | $49,381,500 | 1,457 |
| Average total loans | $348,571,500 | 1,258 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0937% | 3,765 |
| Cost of funding earning assets | 0.6970% | 1,838 |
| Net interest margin | 3.3967% | 4,283 |
| Noninterest income to average assets | 0.5237% | 3,597 |
| Noninterest expense to average assets | 2.6158% | 4,405 |
| Loan and lease loss provision to assets | 0.0860% | 3,395 |
| Net operating income to assets | 0.7228% | 3,686 |
| Return on assets (ROA) | 0.8200% | 3,283 |
| Pretax return on assets | 1.0889% | 2,987 |
| Return on Equity (ROE) | 8.2381% | 2,908 |
| Retained earnings to average equity (ytd only) | 7.1699% | 1,372 |
| Net charge-offs to loans | 0.2413% | 2,528 |
| Credit loss provision to net charge-offs | 49.5768% | 3,827 |
| Earnings coverage of net charge-offs (x) | 6.0266% | 3,146 |
| Efficiency ratio | 71.4498% | 3,579 |
| Assets per employee ($millions) | 4.6026% | 2,714 |
| Cash dividends to net income (ytd only)* | 12.9668% | 3,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0277% | 5,428 |
| Loan loss allowance to noncurrent loans | 47.5480% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 1.6834% | 2,189 |
| Noncurrent loans to loans | 2.1614% | 1,817 |
| Net loans and leases to total assets | 73.1919% | 1,492 |
| Net loans and leases to deposits | 90.3977% | 1,196 |
| Net loans and leases to core deposits | 97.7136% | 1,325 |
| Total domestic deposits to total assets | 80.9665% | 5,188 |
| Equity capital to assets | 10.3915% | 3,296 |
| Core capital (leverage) ratio | 10.0500% | 3,495 |
| Tier 1 risk-based capital ratio | 15.1379% | 3,585 |
| Total risk-based capital ratio | 16.4271% | 3,504 |
| Memoranda: | ||
| Average total assets | $476,826,200 | 1,393 |
| Average earning assets | $440,428,000 | 1,378 |
| Average equity | $47,462,400 | 1,479 |
| Average total loans | $342,784,400 | 1,251 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1136% | 3,702 |
| Cost of funding earning assets | 0.7106% | 1,879 |
| Net interest margin | 3.4030% | 4,275 |
| Noninterest income to average assets | 0.4966% | 3,831 |
| Noninterest expense to average assets | 2.8879% | 3,347 |
| Loan and lease loss provision to assets | 0.1699% | 2,136 |
| Net operating income to assets | 0.4707% | 4,927 |
| Return on assets (ROA) | 0.5880% | 4,528 |
| Pretax return on assets | 0.7237% | 4,594 |
| Return on Equity (ROE) | 5.9717% | 4,205 |
| Retained earnings to average equity (ytd only) | 4.9194% | 3,139 |
| Net charge-offs to loans | 0.3012% | 2,026 |
| Credit loss provision to net charge-offs | 79.0155% | 2,872 |
| Earnings coverage of net charge-offs (x) | 3.4819% | 3,685 |
| Efficiency ratio | 79.4118% | 2,203 |
| Assets per employee ($millions) | 4.5554% | 2,795 |
| Cash dividends to net income (ytd only)* | 17.6220% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 5,310 |
| Loan loss allowance to noncurrent loans | 52.3699% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 1.6994% | 2,415 |
| Noncurrent loans to loans | 2.1095% | 2,117 |
| Net loans and leases to total assets | 72.2358% | 1,564 |
| Net loans and leases to deposits | 87.8368% | 1,382 |
| Net loans and leases to core deposits | 94.9281% | 1,485 |
| Total domestic deposits to total assets | 82.2387% | 4,852 |
| Equity capital to assets | 9.7966% | 4,187 |
| Core capital (leverage) ratio | 9.3698% | 4,578 |
| Tier 1 risk-based capital ratio | 14.0463% | 4,390 |
| Total risk-based capital ratio | 15.4077% | 4,263 |
| Memoranda: | ||
| Average total assets | $478,667,250 | 1,394 |
| Average earning assets | $441,677,250 | 1,383 |
| Average equity | $47,132,000 | 1,499 |
| Average total loans | $341,686,500 | 1,251 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1421% | 3,575 |
| Cost of funding earning assets | 0.7277% | 1,862 |
| Net interest margin | 3.4144% | 4,140 |
| Noninterest income to average assets | 0.5388% | 3,575 |
| Noninterest expense to average assets | 2.9040% | 3,317 |
| Loan and lease loss provision to assets | 0.1749% | 2,160 |
| Net operating income to assets | 0.4936% | 4,828 |
| Return on assets (ROA) | 0.6254% | 4,335 |
| Pretax return on assets | 0.7741% | 4,415 |
| Return on Equity (ROE) | 6.3413% | 3,972 |
| Retained earnings to average equity (ytd only) | 5.3365% | 2,846 |
| Net charge-offs to loans | 0.4150% | 1,562 |
| Credit loss provision to net charge-offs | 59.4901% | 3,032 |
| Earnings coverage of net charge-offs (x) | 2.6742% | 3,623 |
| Efficiency ratio | 78.6956% | 2,349 |
| Assets per employee ($millions) | 4.6956% | 2,519 |
| Cash dividends to net income (ytd only)* | 15.8455% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 5,488 |
| Loan loss allowance to noncurrent loans | 46.9297% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 1.8884% | 2,293 |
| Noncurrent loans to loans | 2.3197% | 2,036 |
| Net loans and leases to total assets | 69.4886% | 1,977 |
| Net loans and leases to deposits | 86.4479% | 1,527 |
| Net loans and leases to core deposits | 93.5458% | 1,559 |
| Total domestic deposits to total assets | 80.3820% | 5,515 |
| Equity capital to assets | 9.4232% | 4,682 |
| Core capital (leverage) ratio | 9.2649% | 4,604 |
| Tier 1 risk-based capital ratio | 14.0929% | 4,360 |
| Total risk-based capital ratio | 15.4062% | 4,279 |
| Memoranda: | ||
| Average total assets | $480,301,330 | 1,388 |
| Average earning assets | $443,304,000 | 1,377 |
| Average equity | $47,371,670 | 1,498 |
| Average total loans | $340,231,670 | 1,247 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1950% | 3,324 |
| Cost of funding earning assets | 0.7318% | 1,984 |
| Net interest margin | 3.4632% | 3,846 |
| Noninterest income to average assets | 0.5716% | 3,294 |
| Noninterest expense to average assets | 2.8891% | 3,384 |
| Loan and lease loss provision to assets | 0.1755% | 2,110 |
| Net operating income to assets | 0.5606% | 4,409 |
| Return on assets (ROA) | 0.6870% | 3,900 |
| Pretax return on assets | 0.8608% | 3,910 |
| Return on Equity (ROE) | 6.8117% | 3,591 |
| Retained earnings to average equity (ytd only) | 5.9582% | 2,698 |
| Net charge-offs to loans | 0.4206% | 1,403 |
| Credit loss provision to net charge-offs | 58.6592% | 2,474 |
| Earnings coverage of net charge-offs (x) | 2.9358% | 2,894 |
| Efficiency ratio | 76.6859% | 2,812 |
| Assets per employee ($millions) | 4.6871% | 2,674 |
| Cash dividends to net income (ytd only)* | 12.5304% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 5,507 |
| Loan loss allowance to noncurrent loans | 38.9860% | 5,654 |
| Noncurrent assets plus other real estate owned to assets | 2.2628% | 2,062 |
| Noncurrent loans to loans | 2.8866% | 1,750 |
| Net loans and leases to total assets | 69.8305% | 1,690 |
| Net loans and leases to deposits | 87.8542% | 1,161 |
| Net loans and leases to core deposits | 95.4141% | 1,236 |
| Total domestic deposits to total assets | 79.4845% | 5,878 |
| Equity capital to assets | 9.6288% | 4,668 |
| Core capital (leverage) ratio | 9.3536% | 4,317 |
| Tier 1 risk-based capital ratio | 14.1569% | 4,391 |
| Total risk-based capital ratio | 15.5214% | 4,282 |
| Memoranda: | ||
| Average total assets | $478,628,000 | 1,402 |
| Average earning assets | $441,669,000 | 1,397 |
| Average equity | $48,270,000 | 1,496 |
| Average total loans | $340,458,000 | 1,248 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3479% | 4,031 |
| Cost of funding earning assets | 0.8793% | 2,073 |
| Net interest margin | 3.4685% | 4,635 |
| Noninterest income to average assets | 0.4615% | 4,163 |
| Noninterest expense to average assets | 2.8628% | 3,799 |
| Loan and lease loss provision to assets | 0.1884% | 3,287 |
| Net operating income to assets | 0.4873% | 4,732 |
| Return on assets (ROA) | 0.5601% | 4,685 |
| Pretax return on assets | 0.6991% | 4,670 |
| Return on Equity (ROE) | 5.3039% | 4,534 |
| Retained earnings to average equity (ytd only) | 3.6965% | 3,614 |
| Net charge-offs to loans | 0.3875% | 2,704 |
| Credit loss provision to net charge-offs | 70.0935% | 4,157 |
| Earnings coverage of net charge-offs (x) | 2.9634% | 3,944 |
| Efficiency ratio | 78.2348% | 2,407 |
| Assets per employee ($millions) | 4.7448% | 2,585 |
| Cash dividends to net income (ytd only)* | 30.3064% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 5,250 |
| Loan loss allowance to noncurrent loans | 35.3124% | 5,847 |
| Noncurrent assets plus other real estate owned to assets | 2.6654% | 1,812 |
| Noncurrent loans to loans | 3.3195% | 1,540 |
| Net loans and leases to total assets | 70.8079% | 1,679 |
| Net loans and leases to deposits | 90.3845% | 1,045 |
| Net loans and leases to core deposits | 97.1610% | 1,211 |
| Total domestic deposits to total assets | 78.3407% | 6,025 |
| Equity capital to assets | 10.5494% | 3,469 |
| Core capital (leverage) ratio | 10.1434% | 3,214 |
| Tier 1 risk-based capital ratio | 15.2945% | 3,546 |
| Total risk-based capital ratio | 16.5821% | 3,479 |
| Memoranda: | ||
| Average total assets | $477,754,800 | 1,390 |
| Average earning assets | $440,446,200 | 1,369 |
| Average equity | $50,453,800 | 1,401 |
| Average total loans | $331,327,600 | 1,269 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4378% | 3,892 |
| Cost of funding earning assets | 0.9045% | 2,142 |
| Net interest margin | 3.5333% | 4,512 |
| Noninterest income to average assets | 0.4511% | 4,284 |
| Noninterest expense to average assets | 2.8501% | 3,797 |
| Loan and lease loss provision to assets | 0.1922% | 3,182 |
| Net operating income to assets | 0.5168% | 4,780 |
| Return on assets (ROA) | 0.6057% | 4,631 |
| Pretax return on assets | 0.7801% | 4,562 |
| Return on Equity (ROE) | 5.7337% | 4,471 |
| Retained earnings to average equity (ytd only) | 4.0880% | 4,019 |
| Net charge-offs to loans | 0.4050% | 2,477 |
| Credit loss provision to net charge-offs | 69.0000% | 3,935 |
| Earnings coverage of net charge-offs (x) | 3.0810% | 3,793 |
| Efficiency ratio | 76.8537% | 2,543 |
| Assets per employee ($millions) | 4.7290% | 2,565 |
| Cash dividends to net income (ytd only)* | 28.7029% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 5,129 |
| Loan loss allowance to noncurrent loans | 28.7811% | 6,172 |
| Noncurrent assets plus other real estate owned to assets | 3.3447% | 1,517 |
| Noncurrent loans to loans | 4.2841% | 1,138 |
| Net loans and leases to total assets | 68.7537% | 2,165 |
| Net loans and leases to deposits | 87.7853% | 1,378 |
| Net loans and leases to core deposits | 94.4122% | 1,537 |
| Total domestic deposits to total assets | 78.3202% | 6,015 |
| Equity capital to assets | 10.6072% | 3,727 |
| Core capital (leverage) ratio | 10.2404% | 3,240 |
| Tier 1 risk-based capital ratio | 15.9206% | 3,305 |
| Total risk-based capital ratio | 17.1971% | 3,265 |
| Memoranda: | ||
| Average total assets | $478,572,500 | 1,403 |
| Average earning assets | $441,197,500 | 1,388 |
| Average equity | $50,553,500 | 1,410 |
| Average total loans | $329,170,250 | 1,292 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4223% | 4,098 |
| Cost of funding earning assets | 0.9342% | 2,152 |
| Net interest margin | 3.4881% | 4,726 |
| Noninterest income to average assets | 0.4650% | 4,165 |
| Noninterest expense to average assets | 2.8726% | 3,733 |
| Loan and lease loss provision to assets | 0.1998% | 3,081 |
| Net operating income to assets | 0.4629% | 4,987 |
| Return on assets (ROA) | 0.5037% | 5,062 |
| Pretax return on assets | 0.6619% | 4,941 |
| Return on Equity (ROE) | 4.7747% | 4,921 |
| Retained earnings to average equity (ytd only) | 3.0542% | 4,610 |
| Net charge-offs to loans | 0.4958% | 2,099 |
| Credit loss provision to net charge-offs | 58.8235% | 3,831 |
| Earnings coverage of net charge-offs (x) | 2.3787% | 3,809 |
| Efficiency ratio | 78.0480% | 2,452 |
| Assets per employee ($millions) | 4.6622% | 2,621 |
| Cash dividends to net income (ytd only)* | 36.0331% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2176% | 5,282 |
| Loan loss allowance to noncurrent loans | 25.9374% | 6,324 |
| Noncurrent assets plus other real estate owned to assets | 3.6842% | 1,421 |
| Noncurrent loans to loans | 4.6945% | 1,102 |
| Net loans and leases to total assets | 68.1333% | 2,268 |
| Net loans and leases to deposits | 87.9940% | 1,366 |
| Net loans and leases to core deposits | 94.0400% | 1,597 |
| Total domestic deposits to total assets | 77.4295% | 6,261 |
| Equity capital to assets | 10.2341% | 4,014 |
| Core capital (leverage) ratio | 9.9741% | 3,456 |
| Tier 1 risk-based capital ratio | 15.3447% | 3,545 |
| Total risk-based capital ratio | 16.5999% | 3,500 |
| Memoranda: | ||
| Average total assets | $480,464,330 | 1,399 |
| Average earning assets | $442,938,670 | 1,389 |
| Average equity | $50,684,330 | 1,403 |
| Average total loans | $329,162,670 | 1,289 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4193% | 4,245 |
| Cost of funding earning assets | 0.9731% | 2,138 |
| Net interest margin | 3.4463% | 4,927 |
| Noninterest income to average assets | 0.4528% | 4,275 |
| Noninterest expense to average assets | 2.8823% | 3,698 |
| Loan and lease loss provision to assets | 0.1998% | 2,939 |
| Net operating income to assets | 0.4257% | 5,138 |
| Return on assets (ROA) | 0.4911% | 5,071 |
| Pretax return on assets | 0.6392% | 4,975 |
| Return on Equity (ROE) | 4.5866% | 4,992 |
| Retained earnings to average equity (ytd only) | 2.8219% | 4,841 |
| Net charge-offs to loans | 0.4535% | 1,957 |
| Credit loss provision to net charge-offs | 64.5161% | 3,026 |
| Earnings coverage of net charge-offs (x) | 2.4355% | 3,204 |
| Efficiency ratio | 79.2630% | 2,307 |
| Assets per employee ($millions) | 4.6765% | 2,699 |
| Cash dividends to net income (ytd only)* | 38.4746% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2920% | 5,056 |
| Loan loss allowance to noncurrent loans | 22.9213% | 6,456 |
| Noncurrent assets plus other real estate owned to assets | 4.2826% | 1,271 |
| Noncurrent loans to loans | 5.6368% | 933 |
| Net loans and leases to total assets | 67.2028% | 2,253 |
| Net loans and leases to deposits | 87.1985% | 1,262 |
| Net loans and leases to core deposits | 93.7665% | 1,487 |
| Total domestic deposits to total assets | 77.0688% | 6,395 |
| Equity capital to assets | 10.7330% | 3,228 |
| Core capital (leverage) ratio | 10.4845% | 2,767 |
| Tier 1 risk-based capital ratio | 16.3937% | 2,968 |
| Total risk-based capital ratio | 17.6823% | 2,903 |
| Memoranda: | ||
| Average total assets | $480,593,000 | 1,403 |
| Average earning assets | $443,957,500 | 1,389 |
| Average equity | $51,454,000 | 1,376 |
| Average total loans | $328,137,000 | 1,292 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4862% | 5,135 |
| Cost of funding earning assets | 1.1780% | 2,177 |
| Net interest margin | 3.3082% | 5,784 |
| Noninterest income to average assets | 0.3922% | 4,683 |
| Noninterest expense to average assets | 2.8181% | 4,279 |
| Loan and lease loss provision to assets | 0.1980% | 4,206 |
| Net operating income to assets | 0.3869% | 4,921 |
| Return on assets (ROA) | 0.5327% | 4,489 |
| Pretax return on assets | 0.5964% | 4,706 |
| Return on Equity (ROE) | 5.2135% | 4,288 |
| Retained earnings to average equity (ytd only) | 3.4151% | 3,794 |
| Net charge-offs to loans | 0.3577% | 3,614 |
| Credit loss provision to net charge-offs | 81.2183% | 4,397 |
| Earnings coverage of net charge-offs (x) | 2.5871% | 3,924 |
| Efficiency ratio | 81.7149% | 2,058 |
| Assets per employee ($millions) | 4.7011% | 2,605 |
| Cash dividends to net income (ytd only)* | 34.4948% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3306% | 4,749 |
| Loan loss allowance to noncurrent loans | 22.6244% | 6,527 |
| Noncurrent assets plus other real estate owned to assets | 4.4368% | 1,241 |
| Noncurrent loans to loans | 5.8814% | 863 |
| Net loans and leases to total assets | 67.5624% | 2,479 |
| Net loans and leases to deposits | 89.3180% | 1,221 |
| Net loans and leases to core deposits | 94.4500% | 1,639 |
| Total domestic deposits to total assets | 75.6425% | 6,527 |
| Equity capital to assets | 10.6796% | 3,326 |
| Core capital (leverage) ratio | 10.3301% | 2,937 |
| Tier 1 risk-based capital ratio | 16.7900% | 2,696 |
| Total risk-based capital ratio | 18.0430% | 2,660 |
| Memoranda: | ||
| Average total assets | $484,930,800 | 1,377 |
| Average earning assets | $448,043,800 | 1,352 |
| Average equity | $49,544,600 | 1,376 |
| Average total loans | $330,427,200 | 1,288 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4823% | 5,305 |
| Cost of funding earning assets | 1.2060% | 2,284 |
| Net interest margin | 3.2763% | 5,927 |
| Noninterest income to average assets | 0.4390% | 4,370 |
| Noninterest expense to average assets | 2.8369% | 4,205 |
| Loan and lease loss provision to assets | 0.1974% | 4,048 |
| Net operating income to assets | 0.3318% | 5,286 |
| Return on assets (ROA) | 0.4291% | 5,054 |
| Pretax return on assets | 0.5566% | 4,946 |
| Return on Equity (ROE) | 4.2473% | 4,888 |
| Retained earnings to average equity (ytd only) | 2.4371% | 4,903 |
| Net charge-offs to loans | 0.3344% | 3,419 |
| Credit loss provision to net charge-offs | 86.7470% | 3,897 |
| Earnings coverage of net charge-offs (x) | 2.7578% | 3,752 |
| Efficiency ratio | 81.8851% | 1,997 |
| Assets per employee ($millions) | 4.8944% | 2,336 |
| Cash dividends to net income (ytd only)* | 42.6198% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3564% | 4,748 |
| Loan loss allowance to noncurrent loans | 22.4533% | 6,605 |
| Noncurrent assets plus other real estate owned to assets | 4.6421% | 1,282 |
| Noncurrent loans to loans | 6.0410% | 924 |
| Net loans and leases to total assets | 67.2552% | 2,623 |
| Net loans and leases to deposits | 88.3297% | 1,392 |
| Net loans and leases to core deposits | 93.2207% | 1,857 |
| Total domestic deposits to total assets | 76.1411% | 6,516 |
| Equity capital to assets | 10.3304% | 3,921 |
| Core capital (leverage) ratio | 10.0930% | 3,317 |
| Tier 1 risk-based capital ratio | 16.1518% | 3,035 |
| Total risk-based capital ratio | 17.4048% | 3,000 |
| Memoranda: | ||
| Average total assets | $486,285,750 | 1,376 |
| Average earning assets | $449,072,500 | 1,363 |
| Average equity | $49,128,250 | 1,391 |
| Average total loans | $330,949,500 | 1,287 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4705% | 5,448 |
| Cost of funding earning assets | 1.2391% | 2,329 |
| Net interest margin | 3.2314% | 6,058 |
| Noninterest income to average assets | 0.4285% | 4,438 |
| Noninterest expense to average assets | 2.8312% | 4,307 |
| Loan and lease loss provision to assets | 0.1972% | 3,958 |
| Net operating income to assets | 0.2999% | 5,375 |
| Return on assets (ROA) | 0.4100% | 5,054 |
| Pretax return on assets | 0.5299% | 4,968 |
| Return on Equity (ROE) | 4.0885% | 4,891 |
| Retained earnings to average equity (ytd only) | 2.2655% | 4,847 |
| Net charge-offs to loans | 0.2410% | 3,678 |
| Credit loss provision to net charge-offs | 120.3008% | 2,540 |
| Earnings coverage of net charge-offs (x) | 3.5639% | 3,132 |
| Efficiency ratio | 82.8963% | 1,971 |
| Assets per employee ($millions) | 5.0114% | 2,108 |
| Cash dividends to net income (ytd only)* | 44.5892% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4222% | 4,473 |
| Loan loss allowance to noncurrent loans | 26.4523% | 6,453 |
| Noncurrent assets plus other real estate owned to assets | 4.2119% | 1,504 |
| Noncurrent loans to loans | 5.3764% | 1,184 |
| Net loans and leases to total assets | 66.6191% | 2,905 |
| Net loans and leases to deposits | 87.2495% | 1,619 |
| Net loans and leases to core deposits | 91.8596% | 2,154 |
| Total domestic deposits to total assets | 76.3546% | 6,548 |
| Equity capital to assets | 10.2256% | 3,851 |
| Core capital (leverage) ratio | 10.0340% | 3,222 |
| Tier 1 risk-based capital ratio | 16.4454% | 2,772 |
| Total risk-based capital ratio | 17.7497% | 2,703 |
| Memoranda: | ||
| Average total assets | $486,867,330 | 1,381 |
| Average earning assets | $450,019,000 | 1,361 |
| Average equity | $48,819,330 | 1,383 |
| Average total loans | $331,146,000 | 1,309 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4788% | 5,406 |
| Cost of funding earning assets | 1.2680% | 2,373 |
| Net interest margin | 3.2108% | 6,033 |
| Noninterest income to average assets | 0.4786% | 4,059 |
| Noninterest expense to average assets | 2.7633% | 4,590 |
| Loan and lease loss provision to assets | 0.1970% | 3,657 |
| Net operating income to assets | 0.3945% | 4,977 |
| Return on assets (ROA) | 0.3407% | 5,298 |
| Pretax return on assets | 0.4236% | 5,268 |
| Return on Equity (ROE) | 3.4315% | 5,175 |
| Retained earnings to average equity (ytd only) | 1.5958% | 5,156 |
| Net charge-offs to loans | 0.0878% | 4,074 |
| Credit loss provision to net charge-offs | 328.7671% | 989 |
| Earnings coverage of net charge-offs (x) | 11.4795% | 1,552 |
| Efficiency ratio | 80.0666% | 2,518 |
| Assets per employee ($millions) | 4.9253% | 2,262 |
| Cash dividends to net income (ytd only)* | 53.4940% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4478% | 4,448 |
| Loan loss allowance to noncurrent loans | 24.1940% | 6,596 |
| Noncurrent assets plus other real estate owned to assets | 4.7352% | 1,346 |
| Noncurrent loans to loans | 5.9840% | 1,058 |
| Net loans and leases to total assets | 67.1009% | 2,733 |
| Net loans and leases to deposits | 89.5729% | 1,283 |
| Net loans and leases to core deposits | 94.5840% | 1,819 |
| Total domestic deposits to total assets | 74.9121% | 6,808 |
| Equity capital to assets | 10.0897% | 3,657 |
| Core capital (leverage) ratio | 10.0099% | 3,132 |
| Tier 1 risk-based capital ratio | 16.2965% | 2,763 |
| Total risk-based capital ratio | 17.5921% | 2,702 |
| Memoranda: | ||
| Average total assets | $487,249,000 | 1,384 |
| Average earning assets | $451,103,000 | 1,373 |
| Average equity | $48,375,500 | 1,383 |
| Average total loans | $332,464,000 | 1,322 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7037% | 5,789 |
| Cost of funding earning assets | 1.5155% | 2,554 |
| Net interest margin | 3.1881% | 6,295 |
| Noninterest income to average assets | 0.5801% | 3,587 |
| Noninterest expense to average assets | 2.7038% | 4,974 |
| Loan and lease loss provision to assets | 0.6033% | 2,720 |
| Net operating income to assets | 0.2067% | 5,252 |
| Return on assets (ROA) | 0.2412% | 5,286 |
| Pretax return on assets | 0.2717% | 5,310 |
| Return on Equity (ROE) | 2.4639% | 5,201 |
| Retained earnings to average equity (ytd only) | 0.7904% | 5,158 |
| Net charge-offs to loans | 0.7457% | 2,785 |
| Credit loss provision to net charge-offs | 115.5513% | 3,740 |
| Earnings coverage of net charge-offs (x) | 1.6015% | 4,536 |
| Efficiency ratio | 76.3780% | 2,994 |
| Assets per employee ($millions) | 5.0703% | 2,057 |
| Cash dividends to net income (ytd only)* | 67.9229% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3652% | 4,673 |
| Loan loss allowance to noncurrent loans | 26.4962% | 6,510 |
| Noncurrent assets plus other real estate owned to assets | 4.0125% | 1,696 |
| Noncurrent loans to loans | 5.1525% | 1,290 |
| Net loans and leases to total assets | 67.4429% | 3,116 |
| Net loans and leases to deposits | 89.0767% | 1,635 |
| Net loans and leases to core deposits | 93.9417% | 2,262 |
| Total domestic deposits to total assets | 75.7133% | 6,669 |
| Equity capital to assets | 9.7699% | 4,033 |
| Core capital (leverage) ratio | 9.7952% | 3,323 |
| Tier 1 risk-based capital ratio | 16.0822% | 2,711 |
| Total risk-based capital ratio | 17.3360% | 2,669 |
| Memoranda: | ||
| Average total assets | $495,082,800 | 1,361 |
| Average earning assets | $459,640,800 | 1,333 |
| Average equity | $48,459,400 | 1,379 |
| Average total loans | $346,655,200 | 1,295 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7970% | 5,668 |
| Cost of funding earning assets | 1.5555% | 2,633 |
| Net interest margin | 3.2415% | 6,203 |
| Noninterest income to average assets | 0.5681% | 3,669 |
| Noninterest expense to average assets | 2.7411% | 4,720 |
| Loan and lease loss provision to assets | 0.7249% | 2,108 |
| Net operating income to assets | 0.1058% | 5,761 |
| Return on assets (ROA) | 0.2111% | 5,638 |
| Pretax return on assets | 0.2229% | 5,675 |
| Return on Equity (ROE) | 2.1553% | 5,550 |
| Retained earnings to average equity (ytd only) | 0.5409% | 5,583 |
| Net charge-offs to loans | 0.8452% | 2,336 |
| Credit loss provision to net charge-offs | 121.7706% | 3,377 |
| Earnings coverage of net charge-offs (x) | 1.4060% | 4,678 |
| Efficiency ratio | 76.6081% | 2,830 |
| Assets per employee ($millions) | 5.0684% | 2,092 |
| Cash dividends to net income (ytd only)* | 74.9045% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3477% | 4,718 |
| Loan loss allowance to noncurrent loans | 23.6605% | 6,727 |
| Noncurrent assets plus other real estate owned to assets | 4.4843% | 1,513 |
| Noncurrent loans to loans | 5.6960% | 1,146 |
| Net loans and leases to total assets | 68.1564% | 3,173 |
| Net loans and leases to deposits | 91.3423% | 1,529 |
| Net loans and leases to core deposits | 96.6535% | 2,188 |
| Total domestic deposits to total assets | 74.6165% | 6,841 |
| Equity capital to assets | 9.7660% | 4,454 |
| Core capital (leverage) ratio | 9.4906% | 3,919 |
| Tier 1 risk-based capital ratio | 15.5727% | 2,959 |
| Total risk-based capital ratio | 16.8158% | 2,925 |
| Memoranda: | ||
| Average total assets | $495,899,500 | 1,372 |
| Average earning assets | $460,474,500 | 1,341 |
| Average equity | $48,561,750 | 1,386 |
| Average total loans | $349,247,500 | 1,298 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8359% | 5,660 |
| Cost of funding earning assets | 1.5873% | 2,728 |
| Net interest margin | 3.2486% | 6,173 |
| Noninterest income to average assets | 0.5345% | 3,838 |
| Noninterest expense to average assets | 2.7554% | 4,683 |
| Loan and lease loss provision to assets | 0.9548% | 1,537 |
| Net operating income to assets | -0.1644% | 6,311 |
| Return on assets (ROA) | -0.0587% | 6,255 |
| Pretax return on assets | -0.0518% | 6,203 |
| Return on Equity (ROE) | -0.5990% | 6,272 |
| Retained earnings to average equity (ytd only) | -2.0944% | 6,159 |
| Net charge-offs to loans | 1.2636% | 1,509 |
| Credit loss provision to net charge-offs | 106.6004% | 3,828 |
| Earnings coverage of net charge-offs (x) | 0.8901% | 4,878 |
| Efficiency ratio | 77.5587% | 2,799 |
| Assets per employee ($millions) | 5.1730% | 1,960 |
| Cash dividends to net income (ytd only)* | -249.6552% | 7,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 5,229 |
| Loan loss allowance to noncurrent loans | 28.3148% | 6,474 |
| Noncurrent assets plus other real estate owned to assets | 3.4311% | 2,051 |
| Noncurrent loans to loans | 4.3830% | 1,678 |
| Net loans and leases to total assets | 68.0469% | 3,352 |
| Net loans and leases to deposits | 90.7634% | 1,733 |
| Net loans and leases to core deposits | 96.5669% | 2,382 |
| Total domestic deposits to total assets | 74.9717% | 6,859 |
| Equity capital to assets | 9.4795% | 4,732 |
| Core capital (leverage) ratio | 9.2950% | 4,129 |
| Tier 1 risk-based capital ratio | 14.2905% | 3,551 |
| Total risk-based capital ratio | 15.5340% | 3,523 |
| Memoranda: | ||
| Average total assets | $493,941,330 | 1,381 |
| Average earning assets | $458,898,670 | 1,351 |
| Average equity | $48,414,670 | 1,387 |
| Average total loans | $350,109,000 | 1,315 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8635% | 5,626 |
| Cost of funding earning assets | 1.6335% | 2,750 |
| Net interest margin | 3.2299% | 6,196 |
| Noninterest income to average assets | 0.5539% | 3,623 |
| Noninterest expense to average assets | 2.6966% | 4,922 |
| Loan and lease loss provision to assets | 0.2634% | 3,925 |
| Net operating income to assets | 0.4427% | 4,648 |
| Return on assets (ROA) | 0.5104% | 4,483 |
| Pretax return on assets | 0.6844% | 4,292 |
| Return on Equity (ROE) | 5.1200% | 4,299 |
| Retained earnings to average equity (ytd only) | 3.9676% | 3,765 |
| Net charge-offs to loans | 0.0262% | 5,202 |
| Credit loss provision to net charge-offs | 1,395.6522% | 356 |
| Earnings coverage of net charge-offs (x) | 45.4348% | 614 |
| Efficiency ratio | 75.8716% | 3,239 |
| Assets per employee ($millions) | 4.9868% | 2,248 |
| Cash dividends to net income (ytd only)* | 22.5080% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 5,060 |
| Loan loss allowance to noncurrent loans | 25.5772% | 6,702 |
| Noncurrent assets plus other real estate owned to assets | 4.2164% | 1,615 |
| Noncurrent loans to loans | 4.9908% | 1,454 |
| Net loans and leases to total assets | 71.0081% | 2,696 |
| Net loans and leases to deposits | 95.6877% | 1,145 |
| Net loans and leases to core deposits | 102.3588% | 1,864 |
| Total domestic deposits to total assets | 74.2082% | 7,021 |
| Equity capital to assets | 10.0651% | 3,783 |
| Core capital (leverage) ratio | 9.9469% | 3,230 |
| Tier 1 risk-based capital ratio | 15.3370% | 2,950 |
| Total risk-based capital ratio | 16.5551% | 2,916 |
| Memoranda: | ||
| Average total assets | $487,434,500 | 1,438 |
| Average earning assets | $452,763,000 | 1,397 |
| Average equity | $48,593,500 | 1,382 |
| Average total loans | $350,512,500 | 1,347 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3047% | 5,152 |
| Cost of funding earning assets | 2.1125% | 2,404 |
| Net interest margin | 3.1922% | 6,119 |
| Noninterest income to average assets | 0.6734% | 3,128 |
| Noninterest expense to average assets | 2.6592% | 5,559 |
| Loan and lease loss provision to assets | 0.5009% | 3,871 |
| Net operating income to assets | 0.3603% | 4,287 |
| Return on assets (ROA) | 0.5175% | 3,752 |
| Pretax return on assets | 0.7061% | 3,549 |
| Return on Equity (ROE) | 6.9187% | 2,818 |
| Retained earnings to average equity (ytd only) | 6.6629% | 1,090 |
| Net charge-offs to loans | 0.5360% | 3,641 |
| Credit loss provision to net charge-offs | 123.2287% | 4,282 |
| Earnings coverage of net charge-offs (x) | 2.4398% | 3,904 |
| Efficiency ratio | 72.8379% | 4,127 |
| Assets per employee ($millions) | 4.9107% | 2,322 |
| Cash dividends to net income (ytd only)* | 3.6963% | 3,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 5,368 |
| Loan loss allowance to noncurrent loans | 33.1172% | 6,241 |
| Noncurrent assets plus other real estate owned to assets | 3.2162% | 2,135 |
| Noncurrent loans to loans | 3.6190% | 2,082 |
| Net loans and leases to total assets | 71.0313% | 2,992 |
| Net loans and leases to deposits | 96.0474% | 1,322 |
| Net loans and leases to core deposits | 113.6584% | 2,538 |
| Total domestic deposits to total assets | 73.9545% | 7,022 |
| Equity capital to assets | 9.8729% | 3,920 |
| Core capital (leverage) ratio | 9.9972% | 3,095 |
| Tier 1 risk-based capital ratio | 14.9035% | 3,002 |
| Total risk-based capital ratio | 16.1212% | 2,962 |
| Memoranda: | ||
| Average total assets | $486,168,400 | 1,423 |
| Average earning assets | $453,444,600 | 1,393 |
| Average equity | $36,365,400 | 1,853 |
| Average total loans | $368,640,800 | 1,303 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3364% | 5,241 |
| Cost of funding earning assets | 2.2148% | 2,337 |
| Net interest margin | 3.1216% | 6,254 |
| Noninterest income to average assets | 0.6085% | 3,625 |
| Noninterest expense to average assets | 2.7032% | 5,312 |
| Loan and lease loss provision to assets | 0.4665% | 3,571 |
| Net operating income to assets | 0.2571% | 4,962 |
| Return on assets (ROA) | 0.4690% | 4,223 |
| Pretax return on assets | 0.6434% | 4,045 |
| Return on Equity (ROE) | 6.8145% | 3,156 |
| Retained earnings to average equity (ytd only) | 6.6750% | 1,643 |
| Net charge-offs to loans | 0.5981% | 2,883 |
| Credit loss provision to net charge-offs | 101.5522% | 5,011 |
| Earnings coverage of net charge-offs (x) | 1.7845% | 4,458 |
| Efficiency ratio | 76.7321% | 3,372 |
| Assets per employee ($millions) | 4.9604% | 2,198 |
| Cash dividends to net income (ytd only)* | 2.0470% | 3,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 6,274 |
| Loan loss allowance to noncurrent loans | 33.6228% | 6,187 |
| Noncurrent assets plus other real estate owned to assets | 2.8923% | 2,399 |
| Noncurrent loans to loans | 2.9789% | 2,538 |
| Net loans and leases to total assets | 77.9615% | 1,581 |
| Net loans and leases to deposits | 103.5426% | 808 |
| Net loans and leases to core deposits | 121.5413% | 2,111 |
| Total domestic deposits to total assets | 75.2941% | 6,720 |
| Equity capital to assets | 7.5228% | 7,280 |
| Core capital (leverage) ratio | 7.2234% | 7,245 |
| Tier 1 risk-based capital ratio | 10.7979% | 6,157 |
| Total risk-based capital ratio | 11.9756% | 6,195 |
| Memoranda: | ||
| Average total assets | $486,170,500 | 1,435 |
| Average earning assets | $453,905,500 | 1,404 |
| Average equity | $33,457,250 | 2,029 |
| Average total loans | $373,422,250 | 1,303 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3357% | 5,469 |
| Cost of funding earning assets | 2.3067% | 2,336 |
| Net interest margin | 3.0291% | 6,465 |
| Noninterest income to average assets | 0.6325% | 3,453 |
| Noninterest expense to average assets | 2.6742% | 5,476 |
| Loan and lease loss provision to assets | 0.3743% | 3,684 |
| Net operating income to assets | 0.3094% | 4,852 |
| Return on assets (ROA) | 0.4445% | 4,420 |
| Pretax return on assets | 0.5961% | 4,334 |
| Return on Equity (ROE) | 6.6608% | 3,357 |
| Retained earnings to average equity (ytd only) | 6.4465% | 1,824 |
| Net charge-offs to loans | 0.0960% | 5,210 |
| Credit loss provision to net charge-offs | 511.7318% | 902 |
| Earnings coverage of net charge-offs (x) | 10.8045% | 1,958 |
| Efficiency ratio | 77.1907% | 3,482 |
| Assets per employee ($millions) | 4.7865% | 2,344 |
| Cash dividends to net income (ytd only)* | 3.2169% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 4,811 |
| Loan loss allowance to noncurrent loans | 32.7061% | 6,282 |
| Noncurrent assets plus other real estate owned to assets | 3.0148% | 2,105 |
| Noncurrent loans to loans | 3.7323% | 1,858 |
| Net loans and leases to total assets | 74.0377% | 2,688 |
| Net loans and leases to deposits | 97.8077% | 1,548 |
| Net loans and leases to core deposits | 115.1764% | 2,790 |
| Total domestic deposits to total assets | 75.6972% | 6,617 |
| Equity capital to assets | 6.9191% | 7,652 |
| Core capital (leverage) ratio | 6.7920% | 7,659 |
| Tier 1 risk-based capital ratio | 9.8448% | 7,088 |
| Total risk-based capital ratio | 11.0942% | 7,021 |
| Memoranda: | ||
| Average total assets | $489,496,000 | 1,444 |
| Average earning assets | $457,630,670 | 1,409 |
| Average equity | $32,668,670 | 2,080 |
| Average total loans | $372,895,000 | 1,326 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4473% | 5,186 |
| Cost of funding earning assets | 2.3885% | 2,340 |
| Net interest margin | 3.0588% | 6,305 |
| Noninterest income to average assets | 0.5917% | 3,611 |
| Noninterest expense to average assets | 2.6981% | 5,017 |
| Loan and lease loss provision to assets | 0.3134% | 3,463 |
| Net operating income to assets | 0.3263% | 5,183 |
| Return on assets (ROA) | 0.5305% | 4,484 |
| Pretax return on assets | 0.7165% | 4,373 |
| Return on Equity (ROE) | 8.0965% | 3,102 |
| Retained earnings to average equity (ytd only) | 7.6606% | 1,950 |
| Net charge-offs to loans | 0.0383% | 4,972 |
| Credit loss provision to net charge-offs | 1,066.6667% | 586 |
| Earnings coverage of net charge-offs (x) | 25.6667% | 1,199 |
| Efficiency ratio | 78.1560% | 3,138 |
| Assets per employee ($millions) | 4.9861% | 2,086 |
| Cash dividends to net income (ytd only)* | 5.3846% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0975% | 5,492 |
| Loan loss allowance to noncurrent loans | 40.1615% | 5,863 |
| Noncurrent assets plus other real estate owned to assets | 2.2712% | 2,525 |
| Noncurrent loans to loans | 2.7327% | 2,396 |
| Net loans and leases to total assets | 74.4496% | 2,638 |
| Net loans and leases to deposits | 101.7977% | 1,198 |
| Net loans and leases to core deposits | 120.3169% | 2,391 |
| Total domestic deposits to total assets | 73.1349% | 7,030 |
| Equity capital to assets | 6.4482% | 7,890 |
| Core capital (leverage) ratio | 6.6676% | 7,810 |
| Tier 1 risk-based capital ratio | 9.8941% | 7,047 |
| Total risk-based capital ratio | 11.1383% | 6,942 |
| Memoranda: | ||
| Average total assets | $490,130,500 | 1,451 |
| Average earning assets | $458,353,500 | 1,416 |
| Average equity | $32,112,500 | 2,108 |
| Average total loans | $376,373,000 | 1,325 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7511% | 6,595 |
| Cost of funding earning assets | 2.8137% | 2,651 |
| Net interest margin | 2.9375% | 7,057 |
| Noninterest income to average assets | 0.4083% | 5,402 |
| Noninterest expense to average assets | 2.7543% | 5,032 |
| Loan and lease loss provision to assets | 0.2154% | 4,734 |
| Net operating income to assets | 0.1604% | 5,957 |
| Return on assets (ROA) | -0.7603% | 7,012 |
| Pretax return on assets | -1.2554% | 7,143 |
| Return on Equity (ROE) | -10.0413% | 7,283 |
| Retained earnings to average equity (ytd only) | -10.6545% | 7,128 |
| Net charge-offs to loans | 0.1712% | 4,493 |
| Credit loss provision to net charge-offs | 165.3291% | 3,112 |
| Earnings coverage of net charge-offs (x) | 3.0594% | 4,556 |
| Efficiency ratio | 87.3557% | 1,736 |
| Assets per employee ($millions) | 4.8664% | 2,090 |
| Cash dividends to net income (ytd only)* | -6.1073% | 7,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9786% | 6,220 |
| Loan loss allowance to noncurrent loans | 34.8403% | 6,413 |
| Noncurrent assets plus other real estate owned to assets | 2.2000% | 2,220 |
| Noncurrent loans to loans | 2.8087% | 1,931 |
| Net loans and leases to total assets | 77.5602% | 2,245 |
| Net loans and leases to deposits | 111.2842% | 750 |
| Net loans and leases to core deposits | 130.8697% | 1,789 |
| Total domestic deposits to total assets | 69.6956% | 7,312 |
| Equity capital to assets | 6.6569% | 7,887 |
| Core capital (leverage) ratio | 6.6458% | 7,875 |
| Tier 1 risk-based capital ratio | 9.6789% | 7,111 |
| Total risk-based capital ratio | 10.8047% | 7,159 |
| Memoranda: | ||
| Average total assets | $478,086,800 | 1,436 |
| Average earning assets | $446,712,400 | 1,395 |
| Average equity | $36,200,600 | 1,862 |
| Average total loans | $363,875,400 | 1,331 |