Home > First Citizens Bank > Performance and Condition Ratios
First Citizens Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1182% | 1,823 |
| Cost of funding earning assets | 1.2891% | 2,553 |
| Net interest margin | 3.8291% | 1,517 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 2.4921% | 2,318 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.3300% | 1,367 |
| Return on assets (ROA) | 1.3044% | 1,396 |
| Pretax return on assets | 1.6343% | 1,173 |
| Return on Equity (ROE) | 13.2300% | 1,670 |
| Retained earnings to average equity (ytd only) | 9.6479% | 1,106 |
| Net charge-offs to loans | 0.0698% | 1,154 |
| Credit loss provision to net charge-offs | 182.4818% | 1,295 |
| Earnings coverage of net charge-offs (x) | 43.1168% | 1,395 |
| Efficiency ratio | 58.8849% | 3,202 |
| Assets per employee ($millions) | 5.8866% | 2,915 |
| Cash dividends to net income (ytd only)* | 27.1003% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5938% | 848 |
| Loan loss allowance to noncurrent loans | 240.6562% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.3969% | 1,399 |
| Noncurrent loans to loans | 0.6623% | 1,185 |
| Net loans and leases to total assets | 58.9800% | 2,949 |
| Net loans and leases to deposits | 70.4297% | 2,857 |
| Net loans and leases to core deposits | 80.2938% | 2,689 |
| Total domestic deposits to total assets | 83.7400% | 2,693 |
| Equity capital to assets | 10.2937% | 1,846 |
| Core capital (leverage) ratio | 13.3740% | 947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $339,479,400 | 2,233 |
| Average earning assets | $314,329,600 | 2,227 |
| Average equity | $33,458,200 | 2,118 |
| Average total loans | $196,261,400 | 2,310 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9927% | 1,837 |
| Cost of funding earning assets | 1.1463% | 2,600 |
| Net interest margin | 3.8464% | 1,503 |
| Noninterest income to average assets | 0.6800% | 1,252 |
| Noninterest expense to average assets | 2.4448% | 2,393 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.3820% | 1,358 |
| Return on assets (ROA) | 1.3474% | 1,412 |
| Pretax return on assets | 1.6906% | 1,180 |
| Return on Equity (ROE) | 13.8300% | 1,698 |
| Retained earnings to average equity (ytd only) | 11.3887% | 1,091 |
| Net charge-offs to loans | 0.0755% | 951 |
| Credit loss provision to net charge-offs | 137.6147% | 1,374 |
| Earnings coverage of net charge-offs (x) | 41.4679% | 1,426 |
| Efficiency ratio | 57.6858% | 3,246 |
| Assets per employee ($millions) | 5.5724% | 3,123 |
| Cash dividends to net income (ytd only)* | 17.6678% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6125% | 863 |
| Loan loss allowance to noncurrent loans | 237.5540% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.4023% | 1,433 |
| Noncurrent loans to loans | 0.6788% | 1,220 |
| Net loans and leases to total assets | 58.3200% | 3,002 |
| Net loans and leases to deposits | 68.1513% | 2,972 |
| Net loans and leases to core deposits | 76.8547% | 2,813 |
| Total domestic deposits to total assets | 85.5700% | 2,328 |
| Equity capital to assets | 9.3674% | 2,188 |
| Core capital (leverage) ratio | 13.5279% | 934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $336,050,000 | 2,243 |
| Average earning assets | $310,793,750 | 2,244 |
| Average equity | $32,733,500 | 2,140 |
| Average total loans | $192,403,500 | 2,340 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8239% | 1,941 |
| Cost of funding earning assets | 1.0045% | 2,593 |
| Net interest margin | 3.8194% | 1,585 |
| Noninterest income to average assets | 0.7100% | 1,093 |
| Noninterest expense to average assets | 2.3676% | 2,602 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.4919% | 1,116 |
| Return on assets (ROA) | 1.4389% | 1,224 |
| Pretax return on assets | 1.7801% | 1,049 |
| Return on Equity (ROE) | 14.5800% | 1,557 |
| Retained earnings to average equity (ytd only) | 10.9261% | 1,196 |
| Net charge-offs to loans | -0.0106% | 3,928 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.7978% | 3,444 |
| Assets per employee ($millions) | 5.2313% | 3,376 |
| Cash dividends to net income (ytd only)* | 25.0522% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7427% | 685 |
| Loan loss allowance to noncurrent loans | 230.0554% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.4313% | 1,238 |
| Noncurrent loans to loans | 0.7575% | 1,001 |
| Net loans and leases to total assets | 55.9400% | 3,123 |
| Net loans and leases to deposits | 64.6476% | 3,151 |
| Net loans and leases to core deposits | 72.5683% | 2,987 |
| Total domestic deposits to total assets | 86.5400% | 2,081 |
| Equity capital to assets | 10.0167% | 1,854 |
| Core capital (leverage) ratio | 13.4958% | 881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $332,904,667 | 2,267 |
| Average earning assets | $308,218,000 | 2,265 |
| Average equity | $32,857,000 | 2,144 |
| Average total loans | $188,278,333 | 2,367 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7007% | 1,849 |
| Cost of funding earning assets | 0.8775% | 2,444 |
| Net interest margin | 3.8232% | 1,636 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 2.2051% | 3,089 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6090% | 966 |
| Return on assets (ROA) | 1.5026% | 1,157 |
| Pretax return on assets | 1.8508% | 985 |
| Return on Equity (ROE) | 15.3400% | 1,488 |
| Retained earnings to average equity (ytd only) | 7.9588% | 2,231 |
| Net charge-offs to loans | 0.0150% | 1,398 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 235.0000% | 450 |
| Efficiency ratio | 52.6619% | 3,726 |
| Assets per employee ($millions) | 5.6042% | 3,114 |
| Cash dividends to net income (ytd only)* | 48.1155% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7246% | 769 |
| Loan loss allowance to noncurrent loans | 205.4924% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.5737% | 897 |
| Noncurrent loans to loans | 0.8393% | 910 |
| Net loans and leases to total assets | 55.1600% | 3,104 |
| Net loans and leases to deposits | 62.6995% | 3,187 |
| Net loans and leases to core deposits | 70.7398% | 2,897 |
| Total domestic deposits to total assets | 87.9800% | 1,932 |
| Equity capital to assets | 9.8121% | 1,924 |
| Core capital (leverage) ratio | 13.2298% | 905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $331,956,500 | 2,307 |
| Average earning assets | $307,698,500 | 2,299 |
| Average equity | $32,517,500 | 2,186 |
| Average total loans | $187,106,000 | 2,393 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1545% | 1,341 |
| Cost of funding earning assets | 0.4058% | 2,049 |
| Net interest margin | 3.7487% | 1,267 |
| Noninterest income to average assets | 0.6700% | 1,396 |
| Noninterest expense to average assets | 2.5152% | 2,061 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.2393% | 1,629 |
| Return on assets (ROA) | 1.2095% | 1,683 |
| Pretax return on assets | 1.5106% | 1,421 |
| Return on Equity (ROE) | 11.5300% | 2,294 |
| Retained earnings to average equity (ytd only) | 8.1502% | 1,776 |
| Net charge-offs to loans | 0.0433% | 1,254 |
| Credit loss provision to net charge-offs | 202.7027% | 1,114 |
| Earnings coverage of net charge-offs (x) | 69.8243% | 1,161 |
| Efficiency ratio | 61.2058% | 2,882 |
| Assets per employee ($millions) | 5.3715% | 3,349 |
| Cash dividends to net income (ytd only)* | 29.3367% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7587% | 714 |
| Loan loss allowance to noncurrent loans | 169.9844% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.5857% | 855 |
| Noncurrent loans to loans | 1.0346% | 702 |
| Net loans and leases to total assets | 55.6100% | 3,072 |
| Net loans and leases to deposits | 64.3905% | 3,007 |
| Net loans and leases to core deposits | 71.2708% | 2,777 |
| Total domestic deposits to total assets | 86.3600% | 2,615 |
| Equity capital to assets | 9.7789% | 1,841 |
| Core capital (leverage) ratio | 13.3220% | 860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $324,109,000 | 2,331 |
| Average earning assets | $297,433,400 | 2,350 |
| Average equity | $33,987,000 | 2,153 |
| Average total loans | $170,894,000 | 2,447 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0160% | 1,239 |
| Cost of funding earning assets | 0.3327% | 1,833 |
| Net interest margin | 3.6833% | 1,179 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 2.3018% | 2,626 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.3402% | 1,235 |
| Return on assets (ROA) | 1.3402% | 1,218 |
| Pretax return on assets | 1.6925% | 915 |
| Return on Equity (ROE) | 12.5700% | 1,847 |
| Retained earnings to average equity (ytd only) | 10.4388% | 1,216 |
| Net charge-offs to loans | -0.0510% | 4,316 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.3307% | 3,465 |
| Assets per employee ($millions) | 5.3078% | 3,408 |
| Cash dividends to net income (ytd only)* | 16.9283% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8698% | 639 |
| Loan loss allowance to noncurrent loans | 184.4606% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.7005% | 740 |
| Noncurrent loans to loans | 1.0136% | 754 |
| Net loans and leases to total assets | 53.4900% | 3,146 |
| Net loans and leases to deposits | 60.4308% | 3,159 |
| Net loans and leases to core deposits | 65.8438% | 2,962 |
| Total domestic deposits to total assets | 88.5200% | 2,271 |
| Equity capital to assets | 9.4214% | 1,932 |
| Core capital (leverage) ratio | 13.2250% | 847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $323,220,250 | 2,355 |
| Average earning assets | $295,777,250 | 2,378 |
| Average equity | $34,473,250 | 2,168 |
| Average total loans | $167,248,750 | 2,479 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8801% | 1,150 |
| Cost of funding earning assets | 0.3126% | 1,599 |
| Net interest margin | 3.5675% | 1,139 |
| Noninterest income to average assets | 0.6513% | 1,535 |
| Noninterest expense to average assets | 2.1898% | 2,896 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3460% | 1,031 |
| Return on assets (ROA) | 1.3460% | 1,011 |
| Pretax return on assets | 1.7187% | 717 |
| Return on Equity (ROE) | 12.1465% | 1,631 |
| Retained earnings to average equity (ytd only) | 9.0736% | 1,268 |
| Net charge-offs to loans | -0.0475% | 4,221 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0272% | 3,767 |
| Assets per employee ($millions) | 5.3227% | 3,408 |
| Cash dividends to net income (ytd only)* | 25.2990% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9571% | 600 |
| Loan loss allowance to noncurrent loans | 205.5449% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.4832% | 1,179 |
| Noncurrent loans to loans | 0.9522% | 877 |
| Net loans and leases to total assets | 49.7581% | 3,395 |
| Net loans and leases to deposits | 56.3398% | 3,350 |
| Net loans and leases to core deposits | 61.5226% | 3,155 |
| Total domestic deposits to total assets | 88.3178% | 2,452 |
| Equity capital to assets | 9.6118% | 1,932 |
| Core capital (leverage) ratio | 12.8193% | 867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $323,036,000 | 2,374 |
| Average earning assets | $294,941,333 | 2,410 |
| Average equity | $35,796,333 | 2,170 |
| Average total loans | $164,168,000 | 2,514 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7969% | 1,091 |
| Cost of funding earning assets | 0.3062% | 1,596 |
| Net interest margin | 3.4907% | 1,108 |
| Noninterest income to average assets | 0.6493% | 1,496 |
| Noninterest expense to average assets | 2.0024% | 3,422 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4078% | 783 |
| Return on assets (ROA) | 1.4078% | 778 |
| Pretax return on assets | 1.8447% | 497 |
| Return on Equity (ROE) | 11.9085% | 1,344 |
| Retained earnings to average equity (ytd only) | 6.1328% | 2,206 |
| Net charge-offs to loans | -0.0488% | 4,246 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0490% | 4,198 |
| Assets per employee ($millions) | 5.1053% | 3,661 |
| Cash dividends to net income (ytd only)* | 48.5009% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9510% | 675 |
| Loan loss allowance to noncurrent loans | 153.5441% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.7306% | 769 |
| Noncurrent loans to loans | 1.2707% | 690 |
| Net loans and leases to total assets | 50.0931% | 3,163 |
| Net loans and leases to deposits | 57.8145% | 3,094 |
| Net loans and leases to core deposits | 63.1725% | 2,872 |
| Total domestic deposits to total assets | 86.6445% | 3,049 |
| Equity capital to assets | 11.1490% | 1,265 |
| Core capital (leverage) ratio | 12.4575% | 923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $322,212,500 | 2,384 |
| Average earning assets | $295,188,000 | 2,419 |
| Average equity | $38,090,500 | 2,124 |
| Average total loans | $163,861,500 | 2,517 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2635% | 902 |
| Cost of funding earning assets | 0.4244% | 1,364 |
| Net interest margin | 3.8391% | 938 |
| Noninterest income to average assets | 0.7358% | 1,642 |
| Noninterest expense to average assets | 2.4545% | 2,325 |
| Loan and lease loss provision to assets | 0.0316% | 2,415 |
| Net operating income to assets | 1.4039% | 1,265 |
| Return on assets (ROA) | 1.4187% | 1,287 |
| Pretax return on assets | 1.8013% | 911 |
| Return on Equity (ROE) | 11.3099% | 2,049 |
| Retained earnings to average equity (ytd only) | 7.2103% | 1,839 |
| Net charge-offs to loans | -0.0966% | 4,573 |
| Credit loss provision to net charge-offs | -63.6943% | 3,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2442% | 3,909 |
| Assets per employee ($millions) | 5.1237% | 3,623 |
| Cash dividends to net income (ytd only)* | 36.2480% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9498% | 658 |
| Loan loss allowance to noncurrent loans | 150.7809% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.7358% | 841 |
| Noncurrent loans to loans | 1.2931% | 738 |
| Net loans and leases to total assets | 49.6341% | 3,332 |
| Net loans and leases to deposits | 58.2936% | 3,228 |
| Net loans and leases to core deposits | 63.7498% | 3,002 |
| Total domestic deposits to total assets | 85.1451% | 3,223 |
| Equity capital to assets | 12.4917% | 1,065 |
| Core capital (leverage) ratio | 12.4613% | 945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $315,995,000 | 2,362 |
| Average earning assets | $290,795,800 | 2,373 |
| Average equity | $39,638,000 | 2,091 |
| Average total loans | $162,588,000 | 2,521 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3757% | 846 |
| Cost of funding earning assets | 0.4611% | 1,281 |
| Net interest margin | 3.9146% | 912 |
| Noninterest income to average assets | 0.6775% | 1,899 |
| Noninterest expense to average assets | 2.2254% | 2,993 |
| Loan and lease loss provision to assets | 0.0423% | 2,148 |
| Net operating income to assets | 1.5732% | 1,091 |
| Return on assets (ROA) | 1.5929% | 1,093 |
| Pretax return on assets | 2.0362% | 752 |
| Return on Equity (ROE) | 12.6854% | 1,807 |
| Retained earnings to average equity (ytd only) | 9.2227% | 1,607 |
| Net charge-offs to loans | -0.1182% | 4,669 |
| Credit loss provision to net charge-offs | -69.4444% | 3,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2343% | 4,102 |
| Assets per employee ($millions) | 5.2070% | 3,495 |
| Cash dividends to net income (ytd only)* | 27.2969% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9503% | 695 |
| Loan loss allowance to noncurrent loans | 156.6420% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.7200% | 1,024 |
| Noncurrent loans to loans | 1.2451% | 889 |
| Net loans and leases to total assets | 50.2057% | 3,393 |
| Net loans and leases to deposits | 59.3796% | 3,283 |
| Net loans and leases to core deposits | 64.9597% | 3,048 |
| Total domestic deposits to total assets | 84.5504% | 3,280 |
| Equity capital to assets | 12.9038% | 1,010 |
| Core capital (leverage) ratio | 12.2918% | 1,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $314,296,250 | 2,395 |
| Average earning assets | $289,163,250 | 2,409 |
| Average equity | $39,467,000 | 2,125 |
| Average total loans | $162,385,000 | 2,562 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1898% | 1,206 |
| Cost of funding earning assets | 0.3905% | 1,964 |
| Net interest margin | 3.7994% | 1,138 |
| Noninterest income to average assets | 0.6999% | 1,807 |
| Noninterest expense to average assets | 2.2396% | 2,957 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5533% | 1,160 |
| Return on assets (ROA) | 1.5831% | 1,143 |
| Pretax return on assets | 1.9963% | 844 |
| Return on Equity (ROE) | 12.7257% | 1,816 |
| Retained earnings to average equity (ytd only) | 7.4639% | 2,268 |
| Net charge-offs to loans | -0.1762% | 4,772 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5555% | 3,981 |
| Assets per employee ($millions) | 5.3058% | 3,344 |
| Cash dividends to net income (ytd only)* | 41.3473% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8531% | 808 |
| Loan loss allowance to noncurrent loans | 132.0722% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.7187% | 1,146 |
| Noncurrent loans to loans | 1.4031% | 833 |
| Net loans and leases to total assets | 50.2721% | 3,533 |
| Net loans and leases to deposits | 59.8192% | 3,404 |
| Net loans and leases to core deposits | 65.4291% | 3,164 |
| Total domestic deposits to total assets | 84.0400% | 3,428 |
| Equity capital to assets | 12.1831% | 1,281 |
| Core capital (leverage) ratio | 11.9272% | 1,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $313,186,000 | 2,394 |
| Average earning assets | $288,364,000 | 2,410 |
| Average equity | $38,960,667 | 2,139 |
| Average total loans | $162,300,333 | 2,579 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0153% | 1,578 |
| Cost of funding earning assets | 0.4073% | 2,040 |
| Net interest margin | 3.6080% | 1,564 |
| Noninterest income to average assets | 0.7534% | 1,696 |
| Noninterest expense to average assets | 1.9561% | 3,843 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6605% | 1,005 |
| Return on assets (ROA) | 1.7210% | 956 |
| Pretax return on assets | 2.1990% | 690 |
| Return on Equity (ROE) | 13.6861% | 1,495 |
| Retained earnings to average equity (ytd only) | 8.5215% | 2,090 |
| Net charge-offs to loans | -0.2516% | 4,822 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1338% | 4,395 |
| Assets per employee ($millions) | 4.9537% | 3,716 |
| Cash dividends to net income (ytd only)* | 37.7358% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8425% | 806 |
| Loan loss allowance to noncurrent loans | 226.6268% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.4258% | 2,124 |
| Noncurrent loans to loans | 0.8130% | 1,637 |
| Net loans and leases to total assets | 50.9154% | 3,547 |
| Net loans and leases to deposits | 60.8437% | 3,424 |
| Net loans and leases to core deposits | 66.0165% | 3,237 |
| Total domestic deposits to total assets | 83.6822% | 3,523 |
| Equity capital to assets | 12.1444% | 1,224 |
| Core capital (leverage) ratio | 12.3681% | 1,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $307,952,500 | 2,404 |
| Average earning assets | $283,817,500 | 2,423 |
| Average equity | $38,725,500 | 2,138 |
| Average total loans | $160,561,000 | 2,595 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3912% | 1,613 |
| Cost of funding earning assets | 0.5784% | 2,457 |
| Net interest margin | 3.8128% | 1,465 |
| Noninterest income to average assets | 0.6563% | 1,998 |
| Noninterest expense to average assets | 2.6425% | 2,411 |
| Loan and lease loss provision to assets | 0.0896% | 3,242 |
| Net operating income to assets | 1.1752% | 1,629 |
| Return on assets (ROA) | 1.1969% | 1,669 |
| Pretax return on assets | 1.4449% | 1,529 |
| Return on Equity (ROE) | 8.9719% | 2,402 |
| Retained earnings to average equity (ytd only) | 6.2849% | 1,669 |
| Net charge-offs to loans | 0.0013% | 3,377 |
| Credit loss provision to net charge-offs | 12,500.0000% | 80 |
| Earnings coverage of net charge-offs (x) | 2,104.0000% | 49 |
| Efficiency ratio | 62.7720% | 3,011 |
| Assets per employee ($millions) | 4.5283% | 3,889 |
| Cash dividends to net income (ytd only)* | 29.9491% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8689% | 769 |
| Loan loss allowance to noncurrent loans | 184.3829% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.5357% | 1,958 |
| Noncurrent loans to loans | 1.0136% | 1,401 |
| Net loans and leases to total assets | 51.4419% | 3,709 |
| Net loans and leases to deposits | 62.5488% | 3,569 |
| Net loans and leases to core deposits | 68.2407% | 3,394 |
| Total domestic deposits to total assets | 82.2428% | 3,607 |
| Equity capital to assets | 13.0320% | 1,073 |
| Core capital (leverage) ratio | 12.3920% | 1,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4512% | 722 |
| Memoranda: | ||
| Average total assets | $278,977,800 | 2,403 |
| Average earning assets | $255,691,800 | 2,436 |
| Average equity | $37,216,000 | 2,119 |
| Average total loans | $155,701,800 | 2,609 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3894% | 1,877 |
| Cost of funding earning assets | 0.6190% | 2,492 |
| Net interest margin | 3.7704% | 1,708 |
| Noninterest income to average assets | 0.6443% | 2,003 |
| Noninterest expense to average assets | 2.5712% | 2,622 |
| Loan and lease loss provision to assets | 0.0974% | 3,105 |
| Net operating income to assets | 1.1742% | 1,733 |
| Return on assets (ROA) | 1.1742% | 1,855 |
| Pretax return on assets | 1.4257% | 1,650 |
| Return on Equity (ROE) | 8.7466% | 2,499 |
| Retained earnings to average equity (ytd only) | 6.9342% | 1,728 |
| Net charge-offs to loans | -0.0146% | 4,323 |
| Credit loss provision to net charge-offs | -1,176.4706% | 3,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8731% | 3,098 |
| Assets per employee ($millions) | 4.6121% | 3,711 |
| Cash dividends to net income (ytd only)* | 20.7211% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7962% | 732 |
| Loan loss allowance to noncurrent loans | 117.6614% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.8289% | 1,391 |
| Noncurrent loans to loans | 1.5266% | 932 |
| Net loans and leases to total assets | 52.8519% | 3,906 |
| Net loans and leases to deposits | 65.1306% | 3,687 |
| Net loans and leases to core deposits | 71.0257% | 3,554 |
| Total domestic deposits to total assets | 81.1475% | 3,625 |
| Equity capital to assets | 12.8492% | 1,247 |
| Core capital (leverage) ratio | 12.0862% | 1,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8912% | 796 |
| Memoranda: | ||
| Average total assets | $274,004,500 | 2,407 |
| Average earning assets | $250,718,500 | 2,441 |
| Average equity | $36,782,750 | 2,124 |
| Average total loans | $155,459,000 | 2,620 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6527% | 1,530 |
| Cost of funding earning assets | 0.6791% | 2,507 |
| Net interest margin | 3.9737% | 1,394 |
| Noninterest income to average assets | 0.6345% | 1,994 |
| Noninterest expense to average assets | 2.6502% | 2,523 |
| Loan and lease loss provision to assets | 0.1507% | 2,498 |
| Net operating income to assets | 1.2290% | 1,550 |
| Return on assets (ROA) | 1.2290% | 1,676 |
| Pretax return on assets | 1.4626% | 1,554 |
| Return on Equity (ROE) | 9.0101% | 2,359 |
| Retained earnings to average equity (ytd only) | 6.2480% | 1,964 |
| Net charge-offs to loans | 0.0222% | 2,276 |
| Credit loss provision to net charge-offs | 1,176.4706% | 711 |
| Earnings coverage of net charge-offs (x) | 125.9412% | 605 |
| Efficiency ratio | 61.2407% | 3,243 |
| Assets per employee ($millions) | 4.5373% | 3,733 |
| Cash dividends to net income (ytd only)* | 30.6560% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8033% | 646 |
| Loan loss allowance to noncurrent loans | 248.6111% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.3981% | 2,702 |
| Noncurrent loans to loans | 0.7253% | 2,063 |
| Net loans and leases to total assets | 52.8799% | 3,964 |
| Net loans and leases to deposits | 65.0963% | 3,800 |
| Net loans and leases to core deposits | 71.0818% | 3,640 |
| Total domestic deposits to total assets | 81.2333% | 3,554 |
| Equity capital to assets | 12.7038% | 1,281 |
| Core capital (leverage) ratio | 12.6889% | 1,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7405% | 802 |
| Memoranda: | ||
| Average total assets | $265,411,000 | 2,440 |
| Average earning assets | $242,395,667 | 2,474 |
| Average equity | $36,203,667 | 2,143 |
| Average total loans | $153,498,667 | 2,628 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0520% | 878 |
| Cost of funding earning assets | 0.7400% | 2,722 |
| Net interest margin | 4.3120% | 742 |
| Noninterest income to average assets | 0.7038% | 1,638 |
| Noninterest expense to average assets | 2.5406% | 3,157 |
| Loan and lease loss provision to assets | 0.0798% | 2,716 |
| Net operating income to assets | 1.6214% | 594 |
| Return on assets (ROA) | 1.6214% | 657 |
| Pretax return on assets | 2.0076% | 440 |
| Return on Equity (ROE) | 11.4247% | 1,282 |
| Retained earnings to average equity (ytd only) | 5.8023% | 1,956 |
| Net charge-offs to loans | 0.0292% | 1,798 |
| Credit loss provision to net charge-offs | 454.5455% | 930 |
| Earnings coverage of net charge-offs (x) | 118.9091% | 513 |
| Efficiency ratio | 54.0000% | 4,396 |
| Assets per employee ($millions) | 4.0543% | 3,848 |
| Cash dividends to net income (ytd only)* | 49.2126% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8074% | 697 |
| Loan loss allowance to noncurrent loans | 124.4394% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.8574% | 1,561 |
| Noncurrent loans to loans | 1.4525% | 1,100 |
| Net loans and leases to total assets | 57.8318% | 3,684 |
| Net loans and leases to deposits | 72.7931% | 3,374 |
| Net loans and leases to core deposits | 80.5657% | 3,149 |
| Total domestic deposits to total assets | 79.4468% | 3,966 |
| Equity capital to assets | 14.0095% | 1,054 |
| Core capital (leverage) ratio | 14.0156% | 915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0990% | 733 |
| Memoranda: | ||
| Average total assets | $250,653,000 | 2,490 |
| Average earning assets | $228,106,000 | 2,513 |
| Average equity | $35,572,000 | 2,169 |
| Average total loans | $150,837,500 | 2,633 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2302% | 930 |
| Cost of funding earning assets | 0.7412% | 2,963 |
| Net interest margin | 4.4889% | 734 |
| Noninterest income to average assets | 0.8148% | 1,408 |
| Noninterest expense to average assets | 2.9690% | 2,099 |
| Loan and lease loss provision to assets | 0.0814% | 2,375 |
| Net operating income to assets | 1.4800% | 1,102 |
| Return on assets (ROA) | 1.4888% | 1,142 |
| Pretax return on assets | 1.8593% | 819 |
| Return on Equity (ROE) | 10.7789% | 1,975 |
| Retained earnings to average equity (ytd only) | 7.9043% | 1,004 |
| Net charge-offs to loans | 0.0897% | 1,838 |
| Credit loss provision to net charge-offs | 149.2537% | 1,720 |
| Earnings coverage of net charge-offs (x) | 35.3657% | 1,416 |
| Efficiency ratio | 59.7506% | 3,733 |
| Assets per employee ($millions) | 3.8420% | 4,107 |
| Cash dividends to net income (ytd only)* | 26.6685% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7727% | 693 |
| Loan loss allowance to noncurrent loans | 208.1522% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.5259% | 2,312 |
| Noncurrent loans to loans | 0.8516% | 1,809 |
| Net loans and leases to total assets | 60.4186% | 3,549 |
| Net loans and leases to deposits | 75.4645% | 3,225 |
| Net loans and leases to core deposits | 83.9342% | 2,955 |
| Total domestic deposits to total assets | 80.0623% | 3,968 |
| Equity capital to assets | 14.3811% | 973 |
| Core capital (leverage) ratio | 13.9847% | 932 |
| Tier 1 risk-based capital ratio | 20.1566% | 1,307 |
| Total risk-based capital ratio | 21.4103% | 1,278 |
| Memoranda: | ||
| Average total assets | $245,573,200 | 2,491 |
| Average earning assets | $223,415,800 | 2,509 |
| Average equity | $33,918,200 | 2,194 |
| Average total loans | $149,322,000 | 2,628 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2169% | 1,004 |
| Cost of funding earning assets | 0.7314% | 3,060 |
| Net interest margin | 4.4854% | 796 |
| Noninterest income to average assets | 0.7223% | 1,691 |
| Noninterest expense to average assets | 2.7975% | 2,566 |
| Loan and lease loss provision to assets | 0.0815% | 2,279 |
| Net operating income to assets | 1.5528% | 1,051 |
| Return on assets (ROA) | 1.5647% | 1,070 |
| Pretax return on assets | 1.9345% | 797 |
| Return on Equity (ROE) | 11.4467% | 1,824 |
| Retained earnings to average equity (ytd only) | 9.3608% | 940 |
| Net charge-offs to loans | 0.1191% | 1,305 |
| Credit loss provision to net charge-offs | 112.7820% | 2,060 |
| Earnings coverage of net charge-offs (x) | 27.7066% | 1,706 |
| Efficiency ratio | 57.4129% | 4,011 |
| Assets per employee ($millions) | 3.8175% | 4,145 |
| Cash dividends to net income (ytd only)* | 18.2228% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7583% | 736 |
| Loan loss allowance to noncurrent loans | 153.7383% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.7069% | 1,936 |
| Noncurrent loans to loans | 1.1437% | 1,384 |
| Net loans and leases to total assets | 60.1920% | 3,659 |
| Net loans and leases to deposits | 73.9772% | 3,477 |
| Net loans and leases to core deposits | 82.3031% | 3,230 |
| Total domestic deposits to total assets | 81.3657% | 3,647 |
| Equity capital to assets | 14.4226% | 1,000 |
| Core capital (leverage) ratio | 13.9768% | 992 |
| Tier 1 risk-based capital ratio | 19.3212% | 1,504 |
| Total risk-based capital ratio | 20.5739% | 1,471 |
| Memoranda: | ||
| Average total assets | $245,495,000 | 2,508 |
| Average earning assets | $223,117,500 | 2,534 |
| Average equity | $33,557,500 | 2,225 |
| Average total loans | $148,842,000 | 2,659 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1618% | 1,071 |
| Cost of funding earning assets | 0.7072% | 3,131 |
| Net interest margin | 4.4546% | 846 |
| Noninterest income to average assets | 0.6792% | 1,799 |
| Noninterest expense to average assets | 2.7964% | 2,600 |
| Loan and lease loss provision to assets | 0.0407% | 2,998 |
| Net operating income to assets | 1.5211% | 1,093 |
| Return on assets (ROA) | 1.5389% | 1,089 |
| Pretax return on assets | 1.9066% | 826 |
| Return on Equity (ROE) | 11.4675% | 1,802 |
| Retained earnings to average equity (ytd only) | 8.7400% | 1,115 |
| Net charge-offs to loans | 0.1265% | 1,186 |
| Credit loss provision to net charge-offs | 53.1915% | 2,447 |
| Earnings coverage of net charge-offs (x) | 25.1809% | 1,605 |
| Efficiency ratio | 58.3290% | 3,969 |
| Assets per employee ($millions) | 3.8982% | 3,999 |
| Cash dividends to net income (ytd only)* | 23.7844% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7242% | 777 |
| Loan loss allowance to noncurrent loans | 147.3926% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.7456% | 1,869 |
| Noncurrent loans to loans | 1.1698% | 1,380 |
| Net loans and leases to total assets | 59.6921% | 3,767 |
| Net loans and leases to deposits | 73.6352% | 3,551 |
| Net loans and leases to core deposits | 80.1110% | 3,411 |
| Total domestic deposits to total assets | 81.0646% | 3,785 |
| Equity capital to assets | 13.9397% | 1,136 |
| Core capital (leverage) ratio | 13.4958% | 1,122 |
| Tier 1 risk-based capital ratio | 18.8087% | 1,599 |
| Total risk-based capital ratio | 20.0611% | 1,562 |
| Memoranda: | ||
| Average total assets | $245,887,330 | 2,519 |
| Average earning assets | $223,138,670 | 2,548 |
| Average equity | $32,997,670 | 2,246 |
| Average total loans | $148,558,670 | 2,670 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0961% | 1,102 |
| Cost of funding earning assets | 0.6588% | 3,270 |
| Net interest margin | 4.4373% | 829 |
| Noninterest income to average assets | 0.7527% | 1,422 |
| Noninterest expense to average assets | 2.5882% | 3,247 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7357% | 683 |
| Return on assets (ROA) | 1.7396% | 699 |
| Pretax return on assets | 2.1883% | 463 |
| Return on Equity (ROE) | 13.2182% | 1,150 |
| Retained earnings to average equity (ytd only) | 8.5857% | 1,455 |
| Net charge-offs to loans | 0.0351% | 1,767 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 103.3077% | 656 |
| Efficiency ratio | 53.3560% | 4,592 |
| Assets per employee ($millions) | 3.9463% | 3,995 |
| Cash dividends to net income (ytd only)* | 35.0467% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7627% | 757 |
| Loan loss allowance to noncurrent loans | 115.1394% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.9770% | 1,431 |
| Noncurrent loans to loans | 1.5309% | 1,052 |
| Net loans and leases to total assets | 58.3057% | 3,853 |
| Net loans and leases to deposits | 71.0826% | 3,681 |
| Net loans and leases to core deposits | 77.0328% | 3,594 |
| Total domestic deposits to total assets | 82.0254% | 3,719 |
| Equity capital to assets | 13.2823% | 1,301 |
| Core capital (leverage) ratio | 13.2521% | 1,167 |
| Tier 1 risk-based capital ratio | 18.7582% | 1,596 |
| Total risk-based capital ratio | 20.0109% | 1,558 |
| Memoranda: | ||
| Average total assets | $246,037,500 | 2,543 |
| Average earning assets | $222,836,000 | 2,569 |
| Average equity | $32,379,500 | 2,282 |
| Average total loans | $148,254,000 | 2,712 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0895% | 867 |
| Cost of funding earning assets | 0.5954% | 2,757 |
| Net interest margin | 4.4941% | 769 |
| Noninterest income to average assets | 0.7937% | 1,468 |
| Noninterest expense to average assets | 3.1807% | 1,595 |
| Loan and lease loss provision to assets | 0.2480% | 694 |
| Net operating income to assets | 1.1931% | 2,209 |
| Return on assets (ROA) | 1.2013% | 2,161 |
| Pretax return on assets | 1.4407% | 1,985 |
| Return on Equity (ROE) | 9.4507% | 2,768 |
| Retained earnings to average equity (ytd only) | 7.0929% | 1,633 |
| Net charge-offs to loans | 0.1478% | 1,297 |
| Credit loss provision to net charge-offs | 285.7143% | 1,066 |
| Earnings coverage of net charge-offs (x) | 19.3381% | 2,069 |
| Efficiency ratio | 64.5768% | 3,104 |
| Assets per employee ($millions) | 3.7455% | 4,256 |
| Cash dividends to net income (ytd only)* | 24.9484% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7556% | 744 |
| Loan loss allowance to noncurrent loans | 244.3925% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.5093% | 2,552 |
| Noncurrent loans to loans | 0.7184% | 2,189 |
| Net loans and leases to total assets | 60.1065% | 3,764 |
| Net loans and leases to deposits | 73.2523% | 3,564 |
| Net loans and leases to core deposits | 79.3758% | 3,471 |
| Total domestic deposits to total assets | 82.0540% | 3,627 |
| Equity capital to assets | 13.0359% | 1,327 |
| Core capital (leverage) ratio | 12.9854% | 1,259 |
| Tier 1 risk-based capital ratio | 18.2376% | 1,682 |
| Total risk-based capital ratio | 19.4903% | 1,634 |
| Memoranda: | ||
| Average total assets | $241,895,600 | 2,534 |
| Average earning assets | $218,844,600 | 2,569 |
| Average equity | $30,749,000 | 2,299 |
| Average total loans | $142,084,600 | 2,743 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0458% | 848 |
| Cost of funding earning assets | 0.5539% | 2,837 |
| Net interest margin | 4.4919% | 754 |
| Noninterest income to average assets | 0.7751% | 1,558 |
| Noninterest expense to average assets | 3.1496% | 1,643 |
| Loan and lease loss provision to assets | 0.2760% | 551 |
| Net operating income to assets | 1.2037% | 2,226 |
| Return on assets (ROA) | 1.2151% | 2,179 |
| Pretax return on assets | 1.4188% | 2,167 |
| Return on Equity (ROE) | 9.6210% | 2,791 |
| Retained earnings to average equity (ytd only) | 8.1348% | 1,588 |
| Net charge-offs to loans | 0.2033% | 833 |
| Credit loss provision to net charge-offs | 233.6449% | 1,236 |
| Earnings coverage of net charge-offs (x) | 14.2334% | 2,296 |
| Efficiency ratio | 64.3012% | 3,130 |
| Assets per employee ($millions) | 3.7638% | 4,222 |
| Cash dividends to net income (ytd only)* | 15.4475% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6949% | 880 |
| Loan loss allowance to noncurrent loans | 335.3805% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.3356% | 3,332 |
| Noncurrent loans to loans | 0.5054% | 2,871 |
| Net loans and leases to total assets | 59.5528% | 3,897 |
| Net loans and leases to deposits | 72.6917% | 3,709 |
| Net loans and leases to core deposits | 78.8462% | 3,580 |
| Total domestic deposits to total assets | 81.9252% | 3,635 |
| Equity capital to assets | 12.7026% | 1,470 |
| Core capital (leverage) ratio | 12.9424% | 1,309 |
| Tier 1 risk-based capital ratio | 17.8441% | 1,832 |
| Total risk-based capital ratio | 19.0959% | 1,796 |
| Memoranda: | ||
| Average total assets | $241,505,000 | 2,545 |
| Average earning assets | $218,077,000 | 2,592 |
| Average equity | $30,502,000 | 2,315 |
| Average total loans | $140,368,500 | 2,779 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9630% | 888 |
| Cost of funding earning assets | 0.5078% | 2,956 |
| Net interest margin | 4.4553% | 761 |
| Noninterest income to average assets | 0.7968% | 1,483 |
| Noninterest expense to average assets | 3.3744% | 1,170 |
| Loan and lease loss provision to assets | 0.2495% | 615 |
| Net operating income to assets | 1.0862% | 2,635 |
| Return on assets (ROA) | 1.1046% | 2,572 |
| Pretax return on assets | 1.2069% | 2,916 |
| Return on Equity (ROE) | 8.7627% | 3,140 |
| Retained earnings to average equity (ytd only) | 6.5192% | 2,303 |
| Net charge-offs to loans | 0.3107% | 515 |
| Credit loss provision to net charge-offs | 140.1869% | 1,645 |
| Earnings coverage of net charge-offs (x) | 8.0701% | 2,503 |
| Efficiency ratio | 69.2427% | 2,440 |
| Assets per employee ($millions) | 3.7595% | 4,269 |
| Cash dividends to net income (ytd only)* | 25.6024% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5636% | 1,203 |
| Loan loss allowance to noncurrent loans | 300.6502% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.3748% | 3,246 |
| Noncurrent loans to loans | 0.5201% | 2,860 |
| Net loans and leases to total assets | 59.5632% | 3,845 |
| Net loans and leases to deposits | 72.7432% | 3,654 |
| Net loans and leases to core deposits | 79.1218% | 3,488 |
| Total domestic deposits to total assets | 81.8815% | 3,758 |
| Equity capital to assets | 12.4713% | 1,550 |
| Core capital (leverage) ratio | 12.5199% | 1,428 |
| Tier 1 risk-based capital ratio | 17.1517% | 2,047 |
| Total risk-based capital ratio | 18.4023% | 1,994 |
| Memoranda: | ||
| Average total assets | $240,456,670 | 2,558 |
| Average earning assets | $216,641,670 | 2,615 |
| Average equity | $30,310,330 | 2,334 |
| Average total loans | $137,755,330 | 2,820 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8722% | 925 |
| Cost of funding earning assets | 0.4689% | 3,054 |
| Net interest margin | 4.4033% | 765 |
| Noninterest income to average assets | 0.7799% | 1,518 |
| Noninterest expense to average assets | 2.6700% | 3,132 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6781% | 713 |
| Return on assets (ROA) | 1.7107% | 682 |
| Pretax return on assets | 2.1031% | 460 |
| Return on Equity (ROE) | 13.4976% | 1,136 |
| Retained earnings to average equity (ytd only) | 8.9984% | 1,462 |
| Net charge-offs to loans | 0.4371% | 348 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 8.4828% | 2,030 |
| Efficiency ratio | 55.4926% | 4,645 |
| Assets per employee ($millions) | 3.5628% | 4,596 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5023% | 1,459 |
| Loan loss allowance to noncurrent loans | 348.5762% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.3020% | 3,638 |
| Noncurrent loans to loans | 0.4310% | 3,244 |
| Net loans and leases to total assets | 57.1579% | 4,019 |
| Net loans and leases to deposits | 69.8913% | 3,796 |
| Net loans and leases to core deposits | 75.1828% | 3,724 |
| Total domestic deposits to total assets | 81.7812% | 4,021 |
| Equity capital to assets | 12.6677% | 1,396 |
| Core capital (leverage) ratio | 12.6318% | 1,328 |
| Tier 1 risk-based capital ratio | 17.7291% | 1,915 |
| Total risk-based capital ratio | 18.9565% | 1,866 |
| Memoranda: | ||
| Average total assets | $238,500,500 | 2,597 |
| Average earning assets | $214,114,000 | 2,658 |
| Average equity | $30,227,500 | 2,353 |
| Average total loans | $132,700,000 | 2,905 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7159% | 1,161 |
| Cost of funding earning assets | 0.4453% | 2,822 |
| Net interest margin | 4.2705% | 1,033 |
| Noninterest income to average assets | 0.7853% | 1,628 |
| Noninterest expense to average assets | 3.0351% | 2,057 |
| Loan and lease loss provision to assets | 0.1475% | 1,547 |
| Net operating income to assets | 0.8814% | 2,809 |
| Return on assets (ROA) | 0.8814% | 2,830 |
| Pretax return on assets | 1.4451% | 1,835 |
| Return on Equity (ROE) | 6.8848% | 3,336 |
| Retained earnings to average equity (ytd only) | 3.2318% | 3,359 |
| Net charge-offs to loans | 0.2895% | 907 |
| Credit loss provision to net charge-offs | 99.1501% | 2,621 |
| Earnings coverage of net charge-offs (x) | 10.7082% | 2,646 |
| Efficiency ratio | 64.6486% | 3,506 |
| Assets per employee ($millions) | 3.5566% | 4,629 |
| Cash dividends to net income (ytd only)* | 53.0593% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7537% | 852 |
| Loan loss allowance to noncurrent loans | 216.0194% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.4948% | 2,906 |
| Noncurrent loans to loans | 0.8118% | 2,178 |
| Net loans and leases to total assets | 52.3110% | 4,499 |
| Net loans and leases to deposits | 63.8869% | 4,325 |
| Net loans and leases to core deposits | 68.4234% | 4,267 |
| Total domestic deposits to total assets | 81.8806% | 3,899 |
| Equity capital to assets | 12.6802% | 1,418 |
| Core capital (leverage) ratio | 12.3936% | 1,405 |
| Tier 1 risk-based capital ratio | 18.0255% | 1,799 |
| Total risk-based capital ratio | 19.2767% | 1,747 |
| Memoranda: | ||
| Average total assets | $237,359,400 | 2,584 |
| Average earning assets | $213,555,800 | 2,631 |
| Average equity | $30,385,800 | 2,331 |
| Average total loans | $121,946,800 | 3,029 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6531% | 1,242 |
| Cost of funding earning assets | 0.4381% | 2,828 |
| Net interest margin | 4.2150% | 1,122 |
| Noninterest income to average assets | 0.8069% | 1,560 |
| Noninterest expense to average assets | 2.8923% | 2,437 |
| Loan and lease loss provision to assets | 0.0703% | 2,673 |
| Net operating income to assets | 1.2668% | 1,448 |
| Return on assets (ROA) | 1.2668% | 1,476 |
| Pretax return on assets | 1.6418% | 1,272 |
| Return on Equity (ROE) | 9.8721% | 2,186 |
| Retained earnings to average equity (ytd only) | 8.3823% | 1,064 |
| Net charge-offs to loans | 0.4065% | 517 |
| Credit loss provision to net charge-offs | 33.9674% | 3,051 |
| Earnings coverage of net charge-offs (x) | 8.2745% | 2,803 |
| Efficiency ratio | 61.8635% | 3,907 |
| Assets per employee ($millions) | 3.6354% | 4,538 |
| Cash dividends to net income (ytd only)* | 15.0909% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6605% | 1,108 |
| Loan loss allowance to noncurrent loans | 258.4635% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.4096% | 3,396 |
| Noncurrent loans to loans | 0.6424% | 2,786 |
| Net loans and leases to total assets | 49.7486% | 4,715 |
| Net loans and leases to deposits | 60.9671% | 4,584 |
| Net loans and leases to core deposits | 65.9878% | 4,481 |
| Total domestic deposits to total assets | 81.5991% | 3,894 |
| Equity capital to assets | 13.4048% | 1,199 |
| Core capital (leverage) ratio | 12.8505% | 1,269 |
| Tier 1 risk-based capital ratio | 19.4722% | 1,488 |
| Total risk-based capital ratio | 20.7219% | 1,448 |
| Memoranda: | ||
| Average total assets | $237,126,250 | 2,605 |
| Average earning assets | $213,644,250 | 2,650 |
| Average equity | $30,428,250 | 2,348 |
| Average total loans | $120,714,000 | 3,074 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5826% | 1,291 |
| Cost of funding earning assets | 0.4301% | 2,801 |
| Net interest margin | 4.1525% | 1,198 |
| Noninterest income to average assets | 0.8147% | 1,519 |
| Noninterest expense to average assets | 2.8517% | 2,578 |
| Loan and lease loss provision to assets | 0.0211% | 3,561 |
| Net operating income to assets | 1.2873% | 1,327 |
| Return on assets (ROA) | 1.2873% | 1,356 |
| Pretax return on assets | 1.6832% | 1,099 |
| Return on Equity (ROE) | 10.1825% | 1,959 |
| Retained earnings to average equity (ytd only) | 7.9167% | 1,198 |
| Net charge-offs to loans | -0.0677% | 5,285 |
| Credit loss provision to net charge-offs | -60.9756% | 4,305 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6309% | 4,066 |
| Assets per employee ($millions) | 3.6846% | 4,456 |
| Cash dividends to net income (ytd only)* | 22.2513% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8774% | 753 |
| Loan loss allowance to noncurrent loans | 198.9592% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.5165% | 3,043 |
| Noncurrent loans to loans | 0.9436% | 2,079 |
| Net loans and leases to total assets | 50.0605% | 4,707 |
| Net loans and leases to deposits | 61.3066% | 4,543 |
| Net loans and leases to core deposits | 66.5560% | 4,435 |
| Total domestic deposits to total assets | 81.6561% | 3,994 |
| Equity capital to assets | 12.9498% | 1,394 |
| Core capital (leverage) ratio | 12.5446% | 1,351 |
| Tier 1 risk-based capital ratio | 19.1988% | 1,551 |
| Total risk-based capital ratio | 20.4516% | 1,495 |
| Memoranda: | ||
| Average total assets | $237,400,330 | 2,619 |
| Average earning assets | $213,897,330 | 2,668 |
| Average equity | $30,012,330 | 2,368 |
| Average total loans | $121,104,330 | 3,073 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6113% | 1,114 |
| Cost of funding earning assets | 0.4219% | 2,798 |
| Net interest margin | 4.1893% | 1,012 |
| Noninterest income to average assets | 0.7227% | 1,860 |
| Noninterest expense to average assets | 2.6046% | 3,484 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3032% | 1,231 |
| Return on assets (ROA) | 1.3032% | 1,265 |
| Pretax return on assets | 1.8989% | 638 |
| Return on Equity (ROE) | 10.4368% | 1,764 |
| Retained earnings to average equity (ytd only) | 5.8283% | 2,424 |
| Net charge-offs to loans | 0.0100% | 2,634 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 374.0000% | 157 |
| Efficiency ratio | 56.8583% | 4,850 |
| Assets per employee ($millions) | 3.7017% | 4,503 |
| Cash dividends to net income (ytd only)* | 44.1558% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8491% | 871 |
| Loan loss allowance to noncurrent loans | 303.5471% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.4242% | 3,484 |
| Noncurrent loans to loans | 0.6092% | 2,996 |
| Net loans and leases to total assets | 49.8521% | 4,686 |
| Net loans and leases to deposits | 60.4256% | 4,537 |
| Net loans and leases to core deposits | 65.7157% | 4,444 |
| Total domestic deposits to total assets | 82.5016% | 4,013 |
| Equity capital to assets | 12.6239% | 1,453 |
| Core capital (leverage) ratio | 12.4319% | 1,371 |
| Tier 1 risk-based capital ratio | 17.9576% | 1,895 |
| Total risk-based capital ratio | 19.2088% | 1,851 |
| Memoranda: | ||
| Average total assets | $236,349,500 | 2,650 |
| Average earning assets | $213,304,000 | 2,693 |
| Average equity | $29,511,000 | 2,416 |
| Average total loans | $120,561,500 | 3,099 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5335% | 1,440 |
| Cost of funding earning assets | 0.4692% | 2,362 |
| Net interest margin | 4.0643% | 1,464 |
| Noninterest income to average assets | 0.7630% | 1,911 |
| Noninterest expense to average assets | 2.9575% | 2,471 |
| Loan and lease loss provision to assets | 0.0854% | 2,650 |
| Net operating income to assets | 1.1166% | 1,833 |
| Return on assets (ROA) | 1.1989% | 1,601 |
| Pretax return on assets | 1.5230% | 1,517 |
| Return on Equity (ROE) | 9.5099% | 2,188 |
| Retained earnings to average equity (ytd only) | 5.9606% | 1,726 |
| Net charge-offs to loans | 0.1550% | 1,717 |
| Credit loss provision to net charge-offs | 112.3596% | 2,340 |
| Earnings coverage of net charge-offs (x) | 19.7921% | 1,897 |
| Efficiency ratio | 65.3014% | 3,706 |
| Assets per employee ($millions) | 3.6843% | 4,503 |
| Cash dividends to net income (ytd only)* | 37.3219% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8444% | 880 |
| Loan loss allowance to noncurrent loans | 244.0307% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.4088% | 3,638 |
| Noncurrent loans to loans | 0.7558% | 2,645 |
| Net loans and leases to total assets | 50.2846% | 4,749 |
| Net loans and leases to deposits | 61.6852% | 4,562 |
| Net loans and leases to core deposits | 67.0863% | 4,461 |
| Total domestic deposits to total assets | 81.5180% | 4,201 |
| Equity capital to assets | 12.3477% | 1,605 |
| Core capital (leverage) ratio | 12.1110% | 1,528 |
| Tier 1 risk-based capital ratio | 18.7979% | 1,659 |
| Total risk-based capital ratio | 20.0505% | 1,620 |
| Memoranda: | ||
| Average total assets | $234,215,600 | 2,623 |
| Average earning assets | $213,146,600 | 2,665 |
| Average equity | $29,527,200 | 2,394 |
| Average total loans | $114,824,400 | 3,145 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5034% | 1,534 |
| Cost of funding earning assets | 0.4398% | 2,639 |
| Net interest margin | 4.0636% | 1,489 |
| Noninterest income to average assets | 0.7607% | 1,927 |
| Noninterest expense to average assets | 2.8528% | 2,817 |
| Loan and lease loss provision to assets | 0.0285% | 3,669 |
| Net operating income to assets | 1.2243% | 1,541 |
| Return on assets (ROA) | 1.3258% | 1,308 |
| Pretax return on assets | 1.7198% | 1,061 |
| Return on Equity (ROE) | 10.4620% | 1,884 |
| Retained earnings to average equity (ytd only) | 8.9321% | 835 |
| Net charge-offs to loans | 0.0659% | 2,395 |
| Credit loss provision to net charge-offs | 89.2857% | 2,540 |
| Earnings coverage of net charge-offs (x) | 50.6283% | 1,063 |
| Efficiency ratio | 62.8477% | 4,094 |
| Assets per employee ($millions) | 3.6769% | 4,519 |
| Cash dividends to net income (ytd only)* | 14.6236% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8759% | 887 |
| Loan loss allowance to noncurrent loans | 231.0924% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.4296% | 3,703 |
| Noncurrent loans to loans | 0.8117% | 2,639 |
| Net loans and leases to total assets | 48.9021% | 4,901 |
| Net loans and leases to deposits | 60.1904% | 4,745 |
| Net loans and leases to core deposits | 65.1930% | 4,657 |
| Total domestic deposits to total assets | 81.2458% | 4,184 |
| Equity capital to assets | 13.0782% | 1,454 |
| Core capital (leverage) ratio | 12.1459% | 1,575 |
| Tier 1 risk-based capital ratio | 19.3632% | 1,581 |
| Total risk-based capital ratio | 20.6162% | 1,540 |
| Memoranda: | ||
| Average total assets | $233,821,500 | 2,638 |
| Average earning assets | $213,403,000 | 2,673 |
| Average equity | $29,630,250 | 2,391 |
| Average total loans | $113,331,750 | 3,175 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5058% | 1,491 |
| Cost of funding earning assets | 0.4381% | 2,671 |
| Net interest margin | 4.0677% | 1,453 |
| Noninterest income to average assets | 0.7818% | 1,800 |
| Noninterest expense to average assets | 2.7867% | 3,069 |
| Loan and lease loss provision to assets | 0.0214% | 3,700 |
| Net operating income to assets | 1.3198% | 1,225 |
| Return on assets (ROA) | 1.3612% | 1,209 |
| Pretax return on assets | 1.7358% | 1,011 |
| Return on Equity (ROE) | 10.8587% | 1,700 |
| Retained earnings to average equity (ytd only) | 8.5338% | 999 |
| Net charge-offs to loans | -0.0250% | 5,044 |
| Credit loss provision to net charge-offs | -178.5714% | 4,703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0613% | 4,505 |
| Assets per employee ($millions) | 3.7186% | 4,408 |
| Cash dividends to net income (ytd only)* | 21.4106% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9321% | 849 |
| Loan loss allowance to noncurrent loans | 263.3060% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.4034% | 3,878 |
| Noncurrent loans to loans | 0.7338% | 2,904 |
| Net loans and leases to total assets | 47.9012% | 5,002 |
| Net loans and leases to deposits | 59.5037% | 4,826 |
| Net loans and leases to core deposits | 64.1875% | 4,735 |
| Total domestic deposits to total assets | 80.5011% | 4,412 |
| Equity capital to assets | 12.7427% | 1,641 |
| Core capital (leverage) ratio | 12.0146% | 1,618 |
| Tier 1 risk-based capital ratio | 18.6651% | 1,764 |
| Total risk-based capital ratio | 19.9179% | 1,727 |
| Memoranda: | ||
| Average total assets | $233,321,000 | 2,653 |
| Average earning assets | $212,747,000 | 2,687 |
| Average equity | $29,248,330 | 2,428 |
| Average total loans | $112,016,330 | 3,205 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5406% | 1,396 |
| Cost of funding earning assets | 0.4368% | 2,709 |
| Net interest margin | 4.1038% | 1,336 |
| Noninterest income to average assets | 0.8191% | 1,560 |
| Noninterest expense to average assets | 2.6685% | 3,524 |
| Loan and lease loss provision to assets | 0.0433% | 3,052 |
| Net operating income to assets | 1.3828% | 1,071 |
| Return on assets (ROA) | 1.4633% | 960 |
| Pretax return on assets | 1.9568% | 618 |
| Return on Equity (ROE) | 11.7731% | 1,380 |
| Retained earnings to average equity (ytd only) | 7.0360% | 1,870 |
| Net charge-offs to loans | 0.0655% | 1,841 |
| Credit loss provision to net charge-offs | 138.8889% | 1,322 |
| Earnings coverage of net charge-offs (x) | 60.7222% | 773 |
| Efficiency ratio | 57.5171% | 5,052 |
| Assets per employee ($millions) | 3.7080% | 4,452 |
| Cash dividends to net income (ytd only)* | 40.2367% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9692% | 862 |
| Loan loss allowance to noncurrent loans | 320.7246% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.3686% | 4,094 |
| Noncurrent loans to loans | 0.6140% | 3,331 |
| Net loans and leases to total assets | 47.1602% | 5,034 |
| Net loans and leases to deposits | 58.1241% | 4,843 |
| Net loans and leases to core deposits | 62.7640% | 4,769 |
| Total domestic deposits to total assets | 81.1370% | 4,454 |
| Equity capital to assets | 12.4693% | 1,703 |
| Core capital (leverage) ratio | 11.8922% | 1,684 |
| Tier 1 risk-based capital ratio | 18.6055% | 1,823 |
| Total risk-based capital ratio | 19.8584% | 1,780 |
| Memoranda: | ||
| Average total assets | $230,987,500 | 2,683 |
| Average earning assets | $210,634,500 | 2,710 |
| Average equity | $28,709,500 | 2,459 |
| Average total loans | $109,902,000 | 3,241 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4962% | 1,613 |
| Cost of funding earning assets | 0.4499% | 2,629 |
| Net interest margin | 4.0463% | 1,572 |
| Noninterest income to average assets | 0.7552% | 1,955 |
| Noninterest expense to average assets | 3.2318% | 1,880 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9668% | 2,542 |
| Return on assets (ROA) | 1.0494% | 2,211 |
| Pretax return on assets | 1.2790% | 2,364 |
| Return on Equity (ROE) | 8.5946% | 2,674 |
| Retained earnings to average equity (ytd only) | 4.8484% | 2,530 |
| Net charge-offs to loans | 0.0867% | 2,589 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 29.4396% | 1,471 |
| Efficiency ratio | 72.2549% | 2,862 |
| Assets per employee ($millions) | 3.5683% | 4,692 |
| Cash dividends to net income (ytd only)* | 43.5876% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0536% | 738 |
| Loan loss allowance to noncurrent loans | 319.7101% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.4129% | 3,948 |
| Noncurrent loans to loans | 0.6423% | 3,258 |
| Net loans and leases to total assets | 46.0728% | 5,154 |
| Net loans and leases to deposits | 56.8548% | 4,990 |
| Net loans and leases to core deposits | 61.3297% | 4,906 |
| Total domestic deposits to total assets | 81.0360% | 4,473 |
| Equity capital to assets | 12.3878% | 1,677 |
| Core capital (leverage) ratio | 11.6360% | 1,865 |
| Tier 1 risk-based capital ratio | 19.2105% | 1,652 |
| Total risk-based capital ratio | 20.4651% | 1,610 |
| Memoranda: | ||
| Average total assets | $227,366,000 | 2,684 |
| Average earning assets | $205,374,000 | 2,722 |
| Average equity | $27,761,600 | 2,487 |
| Average total loans | $104,968,400 | 3,301 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4828% | 1,648 |
| Cost of funding earning assets | 0.4515% | 2,667 |
| Net interest margin | 4.0313% | 1,605 |
| Noninterest income to average assets | 0.7796% | 1,887 |
| Noninterest expense to average assets | 3.1460% | 2,096 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0381% | 2,285 |
| Return on assets (ROA) | 1.1483% | 1,902 |
| Pretax return on assets | 1.4054% | 1,992 |
| Return on Equity (ROE) | 9.4389% | 2,332 |
| Retained earnings to average equity (ytd only) | 7.7982% | 1,334 |
| Net charge-offs to loans | 0.0626% | 2,699 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 44.1848% | 1,144 |
| Efficiency ratio | 70.2020% | 3,174 |
| Assets per employee ($millions) | 3.5348% | 4,735 |
| Cash dividends to net income (ytd only)* | 17.3824% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1116% | 762 |
| Loan loss allowance to noncurrent loans | 222.1344% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.5592% | 3,630 |
| Noncurrent loans to loans | 0.9506% | 2,600 |
| Net loans and leases to total assets | 46.0653% | 5,222 |
| Net loans and leases to deposits | 56.4803% | 5,098 |
| Net loans and leases to core deposits | 60.4165% | 5,037 |
| Total domestic deposits to total assets | 81.5598% | 4,302 |
| Equity capital to assets | 12.6549% | 1,649 |
| Core capital (leverage) ratio | 12.1277% | 1,604 |
| Tier 1 risk-based capital ratio | 20.0404% | 1,537 |
| Total risk-based capital ratio | 21.2963% | 1,500 |
| Memoranda: | ||
| Average total assets | $227,115,250 | 2,708 |
| Average earning assets | $204,927,000 | 2,738 |
| Average equity | $27,629,500 | 2,504 |
| Average total loans | $104,355,000 | 3,336 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4247% | 1,774 |
| Cost of funding earning assets | 0.4500% | 2,728 |
| Net interest margin | 3.9747% | 1,721 |
| Noninterest income to average assets | 0.8302% | 1,666 |
| Noninterest expense to average assets | 3.1141% | 2,202 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0949% | 1,973 |
| Return on assets (ROA) | 1.0949% | 2,069 |
| Pretax return on assets | 1.3051% | 2,343 |
| Return on Equity (ROE) | 9.1211% | 2,473 |
| Retained earnings to average equity (ytd only) | 6.6302% | 1,886 |
| Net charge-offs to loans | 0.0849% | 2,192 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 33.7273% | 1,261 |
| Efficiency ratio | 69.4328% | 3,427 |
| Assets per employee ($millions) | 3.5251% | 4,741 |
| Cash dividends to net income (ytd only)* | 27.3092% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1606% | 778 |
| Loan loss allowance to noncurrent loans | 137.0438% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.8382% | 2,882 |
| Noncurrent loans to loans | 1.5766% | 1,673 |
| Net loans and leases to total assets | 45.2226% | 5,303 |
| Net loans and leases to deposits | 55.6744% | 5,140 |
| Net loans and leases to core deposits | 59.4940% | 5,104 |
| Total domestic deposits to total assets | 81.2270% | 4,537 |
| Equity capital to assets | 12.2306% | 1,853 |
| Core capital (leverage) ratio | 11.6434% | 1,892 |
| Tier 1 risk-based capital ratio | 19.2154% | 1,748 |
| Total risk-based capital ratio | 20.4697% | 1,711 |
| Memoranda: | ||
| Average total assets | $227,413,670 | 2,722 |
| Average earning assets | $205,346,330 | 2,752 |
| Average equity | $27,299,330 | 2,538 |
| Average total loans | $103,653,000 | 3,368 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3683% | 1,878 |
| Cost of funding earning assets | 0.4430% | 2,850 |
| Net interest margin | 3.9253% | 1,801 |
| Noninterest income to average assets | 0.5992% | 2,656 |
| Noninterest expense to average assets | 3.9701% | 720 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3802% | 5,142 |
| Return on assets (ROA) | 0.3802% | 5,263 |
| Pretax return on assets | 0.1840% | 5,850 |
| Return on Equity (ROE) | 3.1978% | 5,299 |
| Retained earnings to average equity (ytd only) | -1.8126% | 5,668 |
| Net charge-offs to loans | -0.1393% | 5,956 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4749% | 573 |
| Assets per employee ($millions) | 3.6234% | 4,680 |
| Cash dividends to net income (ytd only)* | 156.6820% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2747% | 729 |
| Loan loss allowance to noncurrent loans | 143.5692% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 1.0439% | 2,528 |
| Noncurrent loans to loans | 1.5844% | 1,765 |
| Net loans and leases to total assets | 43.9084% | 5,356 |
| Net loans and leases to deposits | 53.3711% | 5,244 |
| Net loans and leases to core deposits | 56.7723% | 5,198 |
| Total domestic deposits to total assets | 82.2699% | 4,427 |
| Equity capital to assets | 11.9559% | 2,062 |
| Core capital (leverage) ratio | 11.1459% | 2,270 |
| Tier 1 risk-based capital ratio | 19.4740% | 1,741 |
| Total risk-based capital ratio | 20.7305% | 1,697 |
| Memoranda: | ||
| Average total assets | $228,308,500 | 2,736 |
| Average earning assets | $206,761,000 | 2,761 |
| Average equity | $27,143,500 | 2,568 |
| Average total loans | $103,340,500 | 3,394 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5015% | 1,857 |
| Cost of funding earning assets | 0.4603% | 3,069 |
| Net interest margin | 4.0411% | 1,770 |
| Noninterest income to average assets | 1.0310% | 1,152 |
| Noninterest expense to average assets | 3.0349% | 2,738 |
| Loan and lease loss provision to assets | 0.1775% | 1,453 |
| Net operating income to assets | 1.1187% | 1,910 |
| Return on assets (ROA) | 1.2058% | 1,625 |
| Pretax return on assets | 1.5731% | 1,309 |
| Return on Equity (ROE) | 10.4597% | 1,921 |
| Retained earnings to average equity (ytd only) | 5.0297% | 2,580 |
| Net charge-offs to loans | 0.4580% | 916 |
| Credit loss provision to net charge-offs | 89.4855% | 2,656 |
| Earnings coverage of net charge-offs (x) | 8.2573% | 2,906 |
| Efficiency ratio | 63.9765% | 4,588 |
| Assets per employee ($millions) | 3.6263% | 4,669 |
| Cash dividends to net income (ytd only)* | 51.9132% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2062% | 817 |
| Loan loss allowance to noncurrent loans | 123.3620% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 1.3193% | 2,133 |
| Noncurrent loans to loans | 1.7884% | 1,610 |
| Net loans and leases to total assets | 44.5691% | 5,427 |
| Net loans and leases to deposits | 54.4236% | 5,301 |
| Net loans and leases to core deposits | 57.8171% | 5,268 |
| Total domestic deposits to total assets | 81.8931% | 4,459 |
| Equity capital to assets | 11.8956% | 2,088 |
| Core capital (leverage) ratio | 11.1284% | 2,283 |
| Tier 1 risk-based capital ratio | 19.4187% | 1,741 |
| Total risk-based capital ratio | 20.6747% | 1,712 |
| Memoranda: | ||
| Average total assets | $225,408,000 | 2,732 |
| Average earning assets | $203,111,200 | 2,771 |
| Average equity | $25,985,400 | 2,571 |
| Average total loans | $97,590,600 | 3,473 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4507% | 2,048 |
| Cost of funding earning assets | 0.4658% | 3,095 |
| Net interest margin | 3.9849% | 1,925 |
| Noninterest income to average assets | 1.1289% | 950 |
| Noninterest expense to average assets | 2.8809% | 3,189 |
| Loan and lease loss provision to assets | 0.1187% | 2,087 |
| Net operating income to assets | 1.3015% | 1,364 |
| Return on assets (ROA) | 1.4161% | 1,134 |
| Pretax return on assets | 1.8696% | 766 |
| Return on Equity (ROE) | 12.3843% | 1,375 |
| Retained earnings to average equity (ytd only) | 8.7251% | 1,084 |
| Net charge-offs to loans | 0.3488% | 1,154 |
| Credit loss provision to net charge-offs | 79.6813% | 2,598 |
| Earnings coverage of net charge-offs (x) | 12.3346% | 2,328 |
| Efficiency ratio | 60.0755% | 5,171 |
| Assets per employee ($millions) | 3.5692% | 4,737 |
| Cash dividends to net income (ytd only)* | 29.5475% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2877% | 836 |
| Loan loss allowance to noncurrent loans | 118.8083% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 1.2110% | 2,529 |
| Noncurrent loans to loans | 1.9256% | 1,664 |
| Net loans and leases to total assets | 43.5551% | 5,556 |
| Net loans and leases to deposits | 52.9149% | 5,470 |
| Net loans and leases to core deposits | 55.9988% | 5,446 |
| Total domestic deposits to total assets | 82.3117% | 4,371 |
| Equity capital to assets | 12.1551% | 1,942 |
| Core capital (leverage) ratio | 11.4362% | 2,113 |
| Tier 1 risk-based capital ratio | 20.3198% | 1,594 |
| Total risk-based capital ratio | 21.5772% | 1,557 |
| Memoranda: | ||
| Average total assets | $224,646,500 | 2,761 |
| Average earning assets | $202,359,500 | 2,799 |
| Average equity | $25,687,750 | 2,609 |
| Average total loans | $95,959,000 | 3,535 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4599% | 1,958 |
| Cost of funding earning assets | 0.4737% | 3,078 |
| Net interest margin | 3.9862% | 1,855 |
| Noninterest income to average assets | 1.2370% | 767 |
| Noninterest expense to average assets | 2.7599% | 3,662 |
| Loan and lease loss provision to assets | 0.0891% | 2,541 |
| Net operating income to assets | 1.4481% | 965 |
| Return on assets (ROA) | 1.5345% | 857 |
| Pretax return on assets | 2.0866% | 449 |
| Return on Equity (ROE) | 13.7074% | 1,011 |
| Retained earnings to average equity (ytd only) | 8.0988% | 1,289 |
| Net charge-offs to loans | 0.2962% | 1,355 |
| Credit loss provision to net charge-offs | 71.4286% | 2,447 |
| Earnings coverage of net charge-offs (x) | 16.5143% | 1,787 |
| Efficiency ratio | 56.3112% | 5,711 |
| Assets per employee ($millions) | 3.5242% | 4,801 |
| Cash dividends to net income (ytd only)* | 40.9170% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3332% | 868 |
| Loan loss allowance to noncurrent loans | 99.9566% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.3962% | 2,344 |
| Noncurrent loans to loans | 2.3342% | 1,380 |
| Net loans and leases to total assets | 42.7594% | 5,625 |
| Net loans and leases to deposits | 51.9519% | 5,503 |
| Net loans and leases to core deposits | 54.6162% | 5,512 |
| Total domestic deposits to total assets | 82.3058% | 4,547 |
| Equity capital to assets | 11.7762% | 2,185 |
| Core capital (leverage) ratio | 11.1788% | 2,267 |
| Tier 1 risk-based capital ratio | 20.5823% | 1,547 |
| Total risk-based capital ratio | 21.8407% | 1,519 |
| Memoranda: | ||
| Average total assets | $224,575,330 | 2,774 |
| Average earning assets | $201,796,000 | 2,816 |
| Average equity | $25,139,670 | 2,646 |
| Average total loans | $94,535,000 | 3,577 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4342% | 2,009 |
| Cost of funding earning assets | 0.4843% | 3,068 |
| Net interest margin | 3.9499% | 1,930 |
| Noninterest income to average assets | 0.9336% | 1,298 |
| Noninterest expense to average assets | 2.7703% | 3,675 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2484% | 1,353 |
| Return on assets (ROA) | 1.4191% | 999 |
| Pretax return on assets | 1.9492% | 593 |
| Return on Equity (ROE) | 13.0173% | 1,157 |
| Retained earnings to average equity (ytd only) | 1.4737% | 5,027 |
| Net charge-offs to loans | -0.0995% | 6,117 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7242% | 5,306 |
| Assets per employee ($millions) | 3.5265% | 4,870 |
| Cash dividends to net income (ytd only)* | 88.6792% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5262% | 791 |
| Loan loss allowance to noncurrent loans | 82.2732% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 1.7426% | 2,022 |
| Noncurrent loans to loans | 3.0705% | 1,026 |
| Net loans and leases to total assets | 40.4674% | 5,776 |
| Net loans and leases to deposits | 48.4934% | 5,701 |
| Net loans and leases to core deposits | 51.4506% | 5,652 |
| Total domestic deposits to total assets | 83.4492% | 4,466 |
| Equity capital to assets | 11.0110% | 2,703 |
| Core capital (leverage) ratio | 10.7611% | 2,639 |
| Tier 1 risk-based capital ratio | 19.9348% | 1,740 |
| Total risk-based capital ratio | 21.1940% | 1,704 |
| Memoranda: | ||
| Average total assets | $224,089,000 | 2,787 |
| Average earning assets | $201,522,500 | 2,835 |
| Average equity | $24,429,000 | 2,706 |
| Average total loans | $92,429,000 | 3,647 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3802% | 2,658 |
| Cost of funding earning assets | 0.5625% | 2,998 |
| Net interest margin | 3.8177% | 2,582 |
| Noninterest income to average assets | 0.8748% | 1,771 |
| Noninterest expense to average assets | 2.9698% | 3,133 |
| Loan and lease loss provision to assets | 0.1903% | 1,938 |
| Net operating income to assets | 0.9860% | 2,388 |
| Return on assets (ROA) | 1.0690% | 2,123 |
| Pretax return on assets | 1.2299% | 2,458 |
| Return on Equity (ROE) | 10.0698% | 2,083 |
| Retained earnings to average equity (ytd only) | 7.3711% | 1,280 |
| Net charge-offs to loans | 0.7978% | 788 |
| Credit loss provision to net charge-offs | 59.7527% | 3,572 |
| Earnings coverage of net charge-offs (x) | 4.1607% | 3,653 |
| Efficiency ratio | 68.1027% | 4,181 |
| Assets per employee ($millions) | 3.5885% | 4,714 |
| Cash dividends to net income (ytd only)* | 26.8003% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5724% | 749 |
| Loan loss allowance to noncurrent loans | 99.5754% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.5574% | 2,388 |
| Noncurrent loans to loans | 2.5834% | 1,449 |
| Net loans and leases to total assets | 39.9191% | 5,972 |
| Net loans and leases to deposits | 48.4393% | 5,869 |
| Net loans and leases to core deposits | 51.5521% | 5,831 |
| Total domestic deposits to total assets | 82.4105% | 4,733 |
| Equity capital to assets | 10.7904% | 2,829 |
| Core capital (leverage) ratio | 10.6364% | 2,746 |
| Tier 1 risk-based capital ratio | 20.5704% | 1,519 |
| Total risk-based capital ratio | 21.8302% | 1,495 |
| Memoranda: | ||
| Average total assets | $228,635,000 | 2,731 |
| Average earning assets | $204,809,200 | 2,780 |
| Average equity | $24,270,600 | 2,708 |
| Average total loans | $91,251,400 | 3,660 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3261% | 2,883 |
| Cost of funding earning assets | 0.5766% | 3,031 |
| Net interest margin | 3.7495% | 2,849 |
| Noninterest income to average assets | 0.8492% | 1,941 |
| Noninterest expense to average assets | 2.8534% | 3,474 |
| Loan and lease loss provision to assets | 0.0579% | 3,888 |
| Net operating income to assets | 1.0269% | 2,268 |
| Return on assets (ROA) | 1.1267% | 1,967 |
| Pretax return on assets | 1.4203% | 1,865 |
| Return on Equity (ROE) | 10.6559% | 1,938 |
| Retained earnings to average equity (ytd only) | 8.4370% | 1,241 |
| Net charge-offs to loans | 0.5682% | 1,114 |
| Credit loss provision to net charge-offs | 25.7069% | 3,972 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 3,057 |
| Efficiency ratio | 66.7906% | 4,341 |
| Assets per employee ($millions) | 3.7140% | 4,428 |
| Cash dividends to net income (ytd only)* | 20.8227% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5701% | 861 |
| Loan loss allowance to noncurrent loans | 91.7188% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 1.7347% | 2,366 |
| Noncurrent loans to loans | 2.8021% | 1,490 |
| Net loans and leases to total assets | 39.2896% | 6,087 |
| Net loans and leases to deposits | 47.2909% | 6,014 |
| Net loans and leases to core deposits | 50.5101% | 5,986 |
| Total domestic deposits to total assets | 83.0806% | 4,546 |
| Equity capital to assets | 10.6925% | 3,080 |
| Core capital (leverage) ratio | 10.6618% | 2,826 |
| Tier 1 risk-based capital ratio | 18.6633% | 2,091 |
| Total risk-based capital ratio | 19.9151% | 2,062 |
| Memoranda: | ||
| Average total assets | $230,172,500 | 2,734 |
| Average earning assets | $206,033,250 | 2,792 |
| Average equity | $24,336,500 | 2,725 |
| Average total loans | $91,274,500 | 3,687 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2701% | 3,076 |
| Cost of funding earning assets | 0.5963% | 2,973 |
| Net interest margin | 3.6738% | 3,069 |
| Noninterest income to average assets | 0.8307% | 2,063 |
| Noninterest expense to average assets | 2.6415% | 4,245 |
| Loan and lease loss provision to assets | 0.0864% | 3,350 |
| Net operating income to assets | 1.0745% | 2,016 |
| Return on assets (ROA) | 1.2196% | 1,643 |
| Pretax return on assets | 1.5766% | 1,433 |
| Return on Equity (ROE) | 11.5779% | 1,611 |
| Retained earnings to average equity (ytd only) | 8.2547% | 1,386 |
| Net charge-offs to loans | 0.7584% | 841 |
| Credit loss provision to net charge-offs | 28.9017% | 3,607 |
| Earnings coverage of net charge-offs (x) | 4.9306% | 2,999 |
| Efficiency ratio | 64.1747% | 4,844 |
| Assets per employee ($millions) | 3.5060% | 4,837 |
| Cash dividends to net income (ytd only)* | 28.7030% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6886% | 798 |
| Loan loss allowance to noncurrent loans | 79.2772% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 2.1637% | 1,997 |
| Noncurrent loans to loans | 3.3914% | 1,260 |
| Net loans and leases to total assets | 38.5684% | 6,135 |
| Net loans and leases to deposits | 46.7428% | 6,060 |
| Net loans and leases to core deposits | 49.9109% | 6,025 |
| Total domestic deposits to total assets | 82.5120% | 4,881 |
| Equity capital to assets | 10.2655% | 3,582 |
| Core capital (leverage) ratio | 10.0955% | 3,379 |
| Tier 1 risk-based capital ratio | 20.4735% | 1,615 |
| Total risk-based capital ratio | 21.7264% | 1,587 |
| Memoranda: | ||
| Average total assets | $231,379,670 | 2,726 |
| Average earning assets | $206,925,670 | 2,786 |
| Average equity | $24,374,000 | 2,732 |
| Average total loans | $91,246,330 | 3,694 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2296% | 3,185 |
| Cost of funding earning assets | 0.6238% | 2,890 |
| Net interest margin | 3.6058% | 3,235 |
| Noninterest income to average assets | 0.9367% | 1,644 |
| Noninterest expense to average assets | 2.5886% | 4,439 |
| Loan and lease loss provision to assets | 0.1703% | 2,156 |
| Net operating income to assets | 0.8268% | 3,014 |
| Return on assets (ROA) | 1.0644% | 2,092 |
| Pretax return on assets | 1.7779% | 923 |
| Return on Equity (ROE) | 9.9824% | 2,068 |
| Retained earnings to average equity (ytd only) | 3.5138% | 4,134 |
| Net charge-offs to loans | 1.3549% | 410 |
| Credit loss provision to net charge-offs | 31.9489% | 2,864 |
| Earnings coverage of net charge-offs (x) | 2.9585% | 2,889 |
| Efficiency ratio | 62.1423% | 5,284 |
| Assets per employee ($millions) | 3.6221% | 4,730 |
| Cash dividends to net income (ytd only)* | 64.8000% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6514% | 969 |
| Loan loss allowance to noncurrent loans | 75.4670% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 2.1854% | 2,137 |
| Noncurrent loans to loans | 3.5133% | 1,363 |
| Net loans and leases to total assets | 38.3924% | 6,128 |
| Net loans and leases to deposits | 46.6171% | 6,015 |
| Net loans and leases to core deposits | 49.6643% | 5,993 |
| Total domestic deposits to total assets | 82.3570% | 5,072 |
| Equity capital to assets | 10.7496% | 3,262 |
| Core capital (leverage) ratio | 9.5425% | 4,010 |
| Tier 1 risk-based capital ratio | 19.5647% | 1,891 |
| Total risk-based capital ratio | 20.8247% | 1,864 |
| Memoranda: | ||
| Average total assets | $234,878,000 | 2,725 |
| Average earning assets | $210,329,000 | 2,768 |
| Average equity | $25,044,000 | 2,701 |
| Average total loans | $92,403,500 | 3,691 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4894% | 3,440 |
| Cost of funding earning assets | 0.7595% | 3,019 |
| Net interest margin | 3.7299% | 3,518 |
| Noninterest income to average assets | 1.3390% | 864 |
| Noninterest expense to average assets | 2.9536% | 3,452 |
| Loan and lease loss provision to assets | 0.0953% | 4,470 |
| Net operating income to assets | 1.2183% | 1,539 |
| Return on assets (ROA) | 1.2970% | 1,461 |
| Pretax return on assets | 1.6948% | 1,147 |
| Return on Equity (ROE) | 12.3299% | 1,409 |
| Retained earnings to average equity (ytd only) | 7.3889% | 1,377 |
| Net charge-offs to loans | 0.0135% | 5,727 |
| Credit loss provision to net charge-offs | 1,707.6923% | 135 |
| Earnings coverage of net charge-offs (x) | 302.5385% | 131 |
| Efficiency ratio | 62.6815% | 5,136 |
| Assets per employee ($millions) | 3.6052% | 4,767 |
| Cash dividends to net income (ytd only)* | 40.0728% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8238% | 802 |
| Loan loss allowance to noncurrent loans | 65.5155% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 2.6519% | 1,828 |
| Noncurrent loans to loans | 4.3102% | 1,022 |
| Net loans and leases to total assets | 38.1383% | 6,294 |
| Net loans and leases to deposits | 46.5193% | 6,217 |
| Net loans and leases to core deposits | 49.4529% | 6,176 |
| Total domestic deposits to total assets | 81.9838% | 5,105 |
| Equity capital to assets | 10.5778% | 3,428 |
| Core capital (leverage) ratio | 9.4383% | 4,203 |
| Tier 1 risk-based capital ratio | 18.8696% | 1,996 |
| Total risk-based capital ratio | 20.1321% | 1,959 |
| Memoranda: | ||
| Average total assets | $233,005,200 | 2,697 |
| Average earning assets | $206,306,400 | 2,786 |
| Average equity | $24,509,600 | 2,708 |
| Average total loans | $96,276,000 | 3,612 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5382% | 3,474 |
| Cost of funding earning assets | 0.7924% | 3,010 |
| Net interest margin | 3.7458% | 3,575 |
| Noninterest income to average assets | 1.5152% | 647 |
| Noninterest expense to average assets | 2.7256% | 4,266 |
| Loan and lease loss provision to assets | 0.0288% | 5,421 |
| Net operating income to assets | 1.6046% | 833 |
| Return on assets (ROA) | 1.7114% | 742 |
| Pretax return on assets | 2.2044% | 475 |
| Return on Equity (ROE) | 16.2933% | 695 |
| Retained earnings to average equity (ytd only) | 13.7686% | 322 |
| Net charge-offs to loans | -0.0921% | 6,836 |
| Credit loss provision to net charge-offs | -74.6269% | 6,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5259% | 5,990 |
| Assets per employee ($millions) | 3.5932% | 4,766 |
| Cash dividends to net income (ytd only)* | 15.4958% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6889% | 993 |
| Loan loss allowance to noncurrent loans | 62.9016% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 2.6559% | 1,985 |
| Noncurrent loans to loans | 4.2747% | 1,144 |
| Net loans and leases to total assets | 39.4358% | 6,326 |
| Net loans and leases to deposits | 48.3674% | 6,239 |
| Net loans and leases to core deposits | 51.6093% | 6,205 |
| Total domestic deposits to total assets | 81.5338% | 5,180 |
| Equity capital to assets | 11.1960% | 3,040 |
| Core capital (leverage) ratio | 9.9674% | 3,585 |
| Tier 1 risk-based capital ratio | 20.2130% | 1,704 |
| Total risk-based capital ratio | 21.4756% | 1,670 |
| Memoranda: | ||
| Average total assets | $231,771,000 | 2,733 |
| Average earning assets | $204,597,000 | 2,825 |
| Average equity | $24,344,750 | 2,749 |
| Average total loans | $96,999,000 | 3,635 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5896% | 3,413 |
| Cost of funding earning assets | 0.8290% | 2,962 |
| Net interest margin | 3.7606% | 3,537 |
| Noninterest income to average assets | 1.9085% | 427 |
| Noninterest expense to average assets | 2.5686% | 4,888 |
| Loan and lease loss provision to assets | 0.0433% | 5,137 |
| Net operating income to assets | 1.9044% | 455 |
| Return on assets (ROA) | 2.0547% | 404 |
| Pretax return on assets | 2.8186% | 192 |
| Return on Equity (ROE) | 20.0056% | 358 |
| Retained earnings to average equity (ytd only) | 16.1224% | 220 |
| Net charge-offs to loans | -0.0470% | 6,650 |
| Credit loss provision to net charge-offs | -217.3913% | 6,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1638% | 6,693 |
| Assets per employee ($millions) | 3.5047% | 4,975 |
| Cash dividends to net income (ytd only)* | 19.4105% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6320% | 1,116 |
| Loan loss allowance to noncurrent loans | 43.6246% | 5,471 |
| Noncurrent assets plus other real estate owned to assets | 3.5368% | 1,503 |
| Noncurrent loans to loans | 6.0332% | 724 |
| Net loans and leases to total assets | 40.6150% | 6,302 |
| Net loans and leases to deposits | 49.9051% | 6,187 |
| Net loans and leases to core deposits | 52.5102% | 6,198 |
| Total domestic deposits to total assets | 81.3845% | 5,337 |
| Equity capital to assets | 10.9427% | 3,177 |
| Core capital (leverage) ratio | 9.6470% | 3,927 |
| Tier 1 risk-based capital ratio | 19.9843% | 1,704 |
| Total risk-based capital ratio | 21.2472% | 1,675 |
| Memoranda: | ||
| Average total assets | $231,175,670 | 2,741 |
| Average earning assets | $203,852,000 | 2,835 |
| Average equity | $23,743,330 | 2,790 |
| Average total loans | $97,782,000 | 3,628 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6729% | 3,154 |
| Cost of funding earning assets | 0.9020% | 2,670 |
| Net interest margin | 3.7709% | 3,515 |
| Noninterest income to average assets | 2.9717% | 245 |
| Noninterest expense to average assets | 2.4427% | 5,333 |
| Loan and lease loss provision to assets | 0.0859% | 4,306 |
| Net operating income to assets | 2.7433% | 132 |
| Return on assets (ROA) | 2.7433% | 157 |
| Pretax return on assets | 3.7464% | 100 |
| Return on Equity (ROE) | 27.5928% | 133 |
| Retained earnings to average equity (ytd only) | 19.6277% | 200 |
| Net charge-offs to loans | 0.2783% | 2,556 |
| Credit loss provision to net charge-offs | 72.4638% | 2,867 |
| Earnings coverage of net charge-offs (x) | 32.3333% | 870 |
| Efficiency ratio | 38.9269% | 7,125 |
| Assets per employee ($millions) | 3.5866% | 4,917 |
| Cash dividends to net income (ytd only)* | 28.8666% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4421% | 1,441 |
| Loan loss allowance to noncurrent loans | 37.3540% | 5,780 |
| Noncurrent assets plus other real estate owned to assets | 3.3788% | 1,705 |
| Noncurrent loans to loans | 6.5378% | 728 |
| Net loans and leases to total assets | 40.5424% | 6,303 |
| Net loans and leases to deposits | 49.0786% | 6,215 |
| Net loans and leases to core deposits | 51.4303% | 6,248 |
| Total domestic deposits to total assets | 82.6072% | 5,079 |
| Equity capital to assets | 10.2337% | 3,811 |
| Core capital (leverage) ratio | 9.2461% | 4,449 |
| Tier 1 risk-based capital ratio | 19.5034% | 1,838 |
| Total risk-based capital ratio | 20.7652% | 1,807 |
| Memoranda: | ||
| Average total assets | $232,861,000 | 2,742 |
| Average earning assets | $203,983,000 | 2,849 |
| Average equity | $23,151,000 | 2,835 |
| Average total loans | $99,161,000 | 3,620 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2887% | 1,736 |
| Cost of funding earning assets | 1.1569% | 2,305 |
| Net interest margin | 4.1317% | 2,299 |
| Noninterest income to average assets | 1.1000% | 1,098 |
| Noninterest expense to average assets | 3.1310% | 3,093 |
| Loan and lease loss provision to assets | 0.5653% | 1,843 |
| Net operating income to assets | 0.7054% | 3,463 |
| Return on assets (ROA) | 0.7702% | 3,333 |
| Pretax return on assets | 1.0449% | 3,053 |
| Return on Equity (ROE) | 8.1449% | 2,834 |
| Retained earnings to average equity (ytd only) | 5.4425% | 2,341 |
| Net charge-offs to loans | 0.5115% | 2,944 |
| Credit loss provision to net charge-offs | 227.1429% | 1,069 |
| Earnings coverage of net charge-offs (x) | 6.1179% | 2,592 |
| Efficiency ratio | 67.2811% | 4,523 |
| Assets per employee ($millions) | 3.6342% | 4,698 |
| Cash dividends to net income (ytd only)* | 33.1795% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3512% | 1,543 |
| Loan loss allowance to noncurrent loans | 29.7678% | 6,212 |
| Noncurrent assets plus other real estate owned to assets | 4.0345% | 1,424 |
| Noncurrent loans to loans | 7.8983% | 511 |
| Net loans and leases to total assets | 42.5872% | 6,331 |
| Net loans and leases to deposits | 52.0108% | 6,214 |
| Net loans and leases to core deposits | 54.5337% | 6,262 |
| Total domestic deposits to total assets | 81.8815% | 5,172 |
| Equity capital to assets | 9.6496% | 4,673 |
| Core capital (leverage) ratio | 8.7938% | 5,111 |
| Tier 1 risk-based capital ratio | 18.3668% | 2,086 |
| Total risk-based capital ratio | 19.6281% | 2,049 |
| Memoranda: | ||
| Average total assets | $225,005,800 | 2,785 |
| Average earning assets | $193,526,200 | 2,929 |
| Average equity | $21,277,000 | 2,981 |
| Average total loans | $109,476,200 | 3,394 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4707% | 1,334 |
| Cost of funding earning assets | 1.2201% | 2,192 |
| Net interest margin | 4.2506% | 1,906 |
| Noninterest income to average assets | 1.1695% | 963 |
| Noninterest expense to average assets | 2.9246% | 3,820 |
| Loan and lease loss provision to assets | 0.6574% | 1,481 |
| Net operating income to assets | 0.9169% | 2,682 |
| Return on assets (ROA) | 0.9872% | 2,521 |
| Pretax return on assets | 1.3183% | 2,228 |
| Return on Equity (ROE) | 10.4960% | 2,034 |
| Retained earnings to average equity (ytd only) | 7.9546% | 1,523 |
| Net charge-offs to loans | 0.5800% | 2,511 |
| Credit loss provision to net charge-offs | 226.8041% | 1,260 |
| Earnings coverage of net charge-offs (x) | 6.4928% | 2,542 |
| Efficiency ratio | 60.8479% | 5,586 |
| Assets per employee ($millions) | 3.4209% | 5,192 |
| Cash dividends to net income (ytd only)* | 24.2131% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1905% | 1,882 |
| Loan loss allowance to noncurrent loans | 32.5135% | 6,109 |
| Noncurrent assets plus other real estate owned to assets | 3.7621% | 1,656 |
| Noncurrent loans to loans | 6.7373% | 758 |
| Net loans and leases to total assets | 45.2285% | 6,219 |
| Net loans and leases to deposits | 54.4790% | 6,170 |
| Net loans and leases to core deposits | 57.2401% | 6,203 |
| Total domestic deposits to total assets | 83.0202% | 4,675 |
| Equity capital to assets | 9.9867% | 4,363 |
| Core capital (leverage) ratio | 9.0411% | 4,866 |
| Tier 1 risk-based capital ratio | 18.8097% | 1,986 |
| Total risk-based capital ratio | 20.0707% | 1,948 |
| Memoranda: | ||
| Average total assets | $223,109,500 | 2,816 |
| Average earning assets | $190,903,750 | 2,965 |
| Average equity | $20,985,250 | 3,009 |
| Average total loans | $111,485,500 | 3,379 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5968% | 1,076 |
| Cost of funding earning assets | 1.2740% | 2,094 |
| Net interest margin | 4.3228% | 1,587 |
| Noninterest income to average assets | 1.0422% | 1,215 |
| Noninterest expense to average assets | 2.8890% | 4,067 |
| Loan and lease loss provision to assets | 0.7650% | 1,215 |
| Net operating income to assets | 0.8862% | 2,707 |
| Return on assets (ROA) | 1.0035% | 2,312 |
| Pretax return on assets | 1.2123% | 2,433 |
| Return on Equity (ROE) | 10.8970% | 1,830 |
| Retained earnings to average equity (ytd only) | 6.9878% | 1,881 |
| Net charge-offs to loans | 0.7291% | 2,050 |
| Credit loss provision to net charge-offs | 204.8193% | 1,473 |
| Earnings coverage of net charge-offs (x) | 4.9157% | 2,737 |
| Efficiency ratio | 61.1429% | 5,708 |
| Assets per employee ($millions) | 3.3033% | 5,421 |
| Cash dividends to net income (ytd only)* | 35.8744% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9374% | 2,547 |
| Loan loss allowance to noncurrent loans | 28.5463% | 6,351 |
| Noncurrent assets plus other real estate owned to assets | 4.2097% | 1,508 |
| Noncurrent loans to loans | 6.7868% | 789 |
| Net loans and leases to total assets | 48.1868% | 6,030 |
| Net loans and leases to deposits | 58.3355% | 5,897 |
| Net loans and leases to core deposits | 60.9423% | 6,010 |
| Total domestic deposits to total assets | 82.6029% | 4,947 |
| Equity capital to assets | 9.6881% | 4,551 |
| Core capital (leverage) ratio | 8.9248% | 4,837 |
| Tier 1 risk-based capital ratio | 18.2841% | 2,077 |
| Total risk-based capital ratio | 19.5435% | 2,034 |
| Memoranda: | ||
| Average total assets | $222,219,330 | 2,836 |
| Average earning assets | $189,322,330 | 3,007 |
| Average equity | $20,464,330 | 3,066 |
| Average total loans | $113,846,000 | 3,366 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7113% | 861 |
| Cost of funding earning assets | 1.3893% | 1,669 |
| Net interest margin | 4.3220% | 1,502 |
| Noninterest income to average assets | 1.0060% | 1,309 |
| Noninterest expense to average assets | 2.3263% | 6,125 |
| Loan and lease loss provision to assets | 0.6287% | 1,372 |
| Net operating income to assets | 1.3606% | 1,133 |
| Return on assets (ROA) | 1.5054% | 909 |
| Pretax return on assets | 1.9114% | 664 |
| Return on Equity (ROE) | 16.7806% | 598 |
| Retained earnings to average equity (ytd only) | 8.7707% | 1,463 |
| Net charge-offs to loans | 2.2820% | 526 |
| Credit loss provision to net charge-offs | 52.7108% | 3,697 |
| Earnings coverage of net charge-offs (x) | 1.9759% | 3,319 |
| Efficiency ratio | 49.6740% | 7,012 |
| Assets per employee ($millions) | 3.3083% | 5,458 |
| Cash dividends to net income (ytd only)* | 47.7327% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 5,721 |
| Loan loss allowance to noncurrent loans | 20.3659% | 6,760 |
| Noncurrent assets plus other real estate owned to assets | 4.0356% | 1,655 |
| Noncurrent loans to loans | 5.7893% | 1,114 |
| Net loans and leases to total assets | 51.3501% | 5,670 |
| Net loans and leases to deposits | 61.5450% | 5,565 |
| Net loans and leases to core deposits | 64.1728% | 5,705 |
| Total domestic deposits to total assets | 83.4351% | 4,728 |
| Equity capital to assets | 9.0316% | 5,153 |
| Core capital (leverage) ratio | 8.4202% | 5,593 |
| Tier 1 risk-based capital ratio | 17.5576% | 2,267 |
| Total risk-based capital ratio | 18.8067% | 2,236 |
| Memoranda: | ||
| Average total assets | $222,667,000 | 2,852 |
| Average earning assets | $189,450,500 | 3,022 |
| Average equity | $19,975,500 | 3,123 |
| Average total loans | $116,391,000 | 3,331 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6826% | 1,632 |
| Cost of funding earning assets | 1.4861% | 2,726 |
| Net interest margin | 4.1965% | 2,200 |
| Noninterest income to average assets | 5.3715% | 131 |
| Noninterest expense to average assets | 4.4093% | 714 |
| Loan and lease loss provision to assets | 0.6111% | 2,688 |
| Net operating income to assets | 2.5242% | 112 |
| Return on assets (ROA) | 2.5562% | 112 |
| Pretax return on assets | 3.9602% | 72 |
| Return on Equity (ROE) | 26.4774% | 76 |
| Retained earnings to average equity (ytd only) | 21.6420% | 38 |
| Net charge-offs to loans | 0.4178% | 3,946 |
| Credit loss provision to net charge-offs | 263.4820% | 1,065 |
| Earnings coverage of net charge-offs (x) | 19.4968% | 1,055 |
| Efficiency ratio | 49.3687% | 7,180 |
| Assets per employee ($millions) | 3.3385% | 5,339 |
| Cash dividends to net income (ytd only)* | 18.2624% | 3,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4217% | 4,418 |
| Loan loss allowance to noncurrent loans | 21.5076% | 6,751 |
| Noncurrent assets plus other real estate owned to assets | 4.9294% | 1,304 |
| Noncurrent loans to loans | 6.6103% | 889 |
| Net loans and leases to total assets | 51.8296% | 5,932 |
| Net loans and leases to deposits | 62.9408% | 5,751 |
| Net loans and leases to core deposits | 65.7345% | 5,902 |
| Total domestic deposits to total assets | 82.3466% | 5,077 |
| Equity capital to assets | 8.9110% | 5,270 |
| Core capital (leverage) ratio | 8.3131% | 5,669 |
| Tier 1 risk-based capital ratio | 16.8904% | 2,389 |
| Total risk-based capital ratio | 18.0970% | 2,373 |
| Memoranda: | ||
| Average total assets | $203,071,000 | 3,065 |
| Average earning assets | $172,262,800 | 3,240 |
| Average equity | $19,605,400 | 3,203 |
| Average total loans | $112,729,800 | 3,477 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5392% | 2,294 |
| Cost of funding earning assets | 1.4906% | 3,036 |
| Net interest margin | 4.0486% | 2,866 |
| Noninterest income to average assets | 7.7215% | 89 |
| Noninterest expense to average assets | 3.1669% | 3,046 |
| Loan and lease loss provision to assets | 0.5457% | 2,767 |
| Net operating income to assets | 5.0902% | 28 |
| Return on assets (ROA) | 5.1360% | 27 |
| Pretax return on assets | 7.5106% | 27 |
| Return on Equity (ROE) | 52.0652% | 15 |
| Retained earnings to average equity (ytd only) | 46.6429% | 9 |
| Net charge-offs to loans | 0.3993% | 3,687 |
| Credit loss provision to net charge-offs | 242.5150% | 1,391 |
| Earnings coverage of net charge-offs (x) | 35.5062% | 765 |
| Efficiency ratio | 28.3877% | 7,695 |
| Assets per employee ($millions) | 3.4511% | 5,094 |
| Cash dividends to net income (ytd only)* | 10.4145% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0996% | 5,945 |
| Loan loss allowance to noncurrent loans | 18.1914% | 6,972 |
| Noncurrent assets plus other real estate owned to assets | 4.8105% | 1,372 |
| Noncurrent loans to loans | 6.0444% | 1,027 |
| Net loans and leases to total assets | 55.2534% | 5,663 |
| Net loans and leases to deposits | 67.0484% | 5,541 |
| Net loans and leases to core deposits | 70.2971% | 5,715 |
| Total domestic deposits to total assets | 82.4082% | 4,838 |
| Equity capital to assets | 10.2933% | 3,775 |
| Core capital (leverage) ratio | 9.8066% | 3,479 |
| Tier 1 risk-based capital ratio | 23.2329% | 1,032 |
| Total risk-based capital ratio | 24.4862% | 1,008 |
| Memoranda: | ||
| Average total assets | $197,919,000 | 3,169 |
| Average earning assets | $167,891,000 | 3,363 |
| Average equity | $19,523,750 | 3,249 |
| Average total loans | $111,511,250 | 3,567 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3831% | 3,048 |
| Cost of funding earning assets | 1.4169% | 3,768 |
| Net interest margin | 3.9663% | 3,178 |
| Noninterest income to average assets | 11.5356% | 59 |
| Noninterest expense to average assets | 2.8205% | 4,390 |
| Loan and lease loss provision to assets | 0.6874% | 2,107 |
| Net operating income to assets | 7.6968% | 24 |
| Return on assets (ROA) | 7.7687% | 24 |
| Pretax return on assets | 11.4965% | 21 |
| Return on Equity (ROE) | 80.1309% | 9 |
| Retained earnings to average equity (ytd only) | 79.8146% | 6 |
| Net charge-offs to loans | 1.0626% | 1,771 |
| Credit loss provision to net charge-offs | 114.4366% | 3,557 |
| Earnings coverage of net charge-offs (x) | 20.1074% | 1,230 |
| Efficiency ratio | 18.9310% | 7,798 |
| Assets per employee ($millions) | 3.5328% | 4,834 |
| Cash dividends to net income (ytd only)* | 0.3948% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7492% | 7,152 |
| Loan loss allowance to noncurrent loans | 12.0559% | 7,218 |
| Noncurrent assets plus other real estate owned to assets | 4.0557% | 1,693 |
| Noncurrent loans to loans | 6.2147% | 1,006 |
| Net loans and leases to total assets | 57.6517% | 5,466 |
| Net loans and leases to deposits | 69.8879% | 5,297 |
| Net loans and leases to core deposits | 74.0768% | 5,435 |
| Total domestic deposits to total assets | 82.4917% | 4,785 |
| Equity capital to assets | 10.4158% | 3,512 |
| Core capital (leverage) ratio | 10.0411% | 3,123 |
| Tier 1 risk-based capital ratio | 24.6776% | 875 |
| Total risk-based capital ratio | 25.7879% | 869 |
| Memoranda: | ||
| Average total assets | $189,118,330 | 3,320 |
| Average earning assets | $160,352,670 | 3,510 |
| Average equity | $18,335,000 | 3,410 |
| Average total loans | $106,907,330 | 3,698 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1618% | 7,300 |
| Cost of funding earning assets | 1.1703% | 5,552 |
| Net interest margin | 2.9915% | 6,848 |
| Noninterest income to average assets | 22.3340% | 38 |
| Noninterest expense to average assets | 1.4957% | 7,714 |
| Loan and lease loss provision to assets | 0.4689% | 2,622 |
| Net operating income to assets | 14.6705% | 13 |
| Return on assets (ROA) | 14.6705% | 14 |
| Pretax return on assets | 22.9341% | 13 |
| Return on Equity (ROE) | 159.1607% | 9 |
| Retained earnings to average equity (ytd only) | 158.4231% | 8 |
| Net charge-offs to loans | 0.0887% | 4,531 |
| Credit loss provision to net charge-offs | 952.3810% | 487 |
| Earnings coverage of net charge-offs (x) | 475.3810% | 57 |
| Efficiency ratio | 6.0070% | 7,917 |
| Assets per employee ($millions) | 3.7930% | 4,332 |
| Cash dividends to net income (ytd only)* | 0.4634% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8010% | 7,128 |
| Loan loss allowance to noncurrent loans | 12.7027% | 7,271 |
| Noncurrent assets plus other real estate owned to assets | 3.8249% | 1,818 |
| Noncurrent loans to loans | 6.3058% | 1,008 |
| Net loans and leases to total assets | 56.0243% | 5,741 |
| Net loans and leases to deposits | 67.1362% | 5,694 |
| Net loans and leases to core deposits | 70.7910% | 5,845 |
| Total domestic deposits to total assets | 83.4486% | 4,412 |
| Equity capital to assets | 9.3522% | 4,756 |
| Core capital (leverage) ratio | 17.4461% | 411 |
| Tier 1 risk-based capital ratio | 19.9141% | 1,543 |
| Total risk-based capital ratio | 20.9500% | 1,548 |
| Memoranda: | ||
| Average total assets | $170,628,000 | 3,651 |
| Average earning assets | $146,283,500 | 3,830 |
| Average equity | $15,727,500 | 3,881 |
| Average total loans | $94,694,000 | 4,108 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3663% | 894 |
| Cost of funding earning assets | 2.0701% | 2,629 |
| Net interest margin | 4.2963% | 1,732 |
| Noninterest income to average assets | 1.1073% | 1,253 |
| Noninterest expense to average assets | 2.8116% | 4,927 |
| Loan and lease loss provision to assets | 1.3156% | 1,750 |
| Net operating income to assets | 0.5933% | 3,358 |
| Return on assets (ROA) | 0.0881% | 5,287 |
| Pretax return on assets | -0.0558% | 5,527 |
| Return on Equity (ROE) | 0.8844% | 5,267 |
| Retained earnings to average equity (ytd only) | -1.8660% | 5,489 |
| Net charge-offs to loans | 2.1021% | 1,162 |
| Credit loss provision to net charge-offs | 106.5217% | 5,205 |
| Earnings coverage of net charge-offs (x) | 1.6591% | 4,495 |
| Efficiency ratio | 57.8436% | 6,788 |
| Assets per employee ($millions) | 4.4477% | 3,018 |
| Cash dividends to net income (ytd only)* | 310.9756% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6571% | 3,059 |
| Loan loss allowance to noncurrent loans | 24.5242% | 6,829 |
| Noncurrent assets plus other real estate owned to assets | 3.5954% | 1,861 |
| Noncurrent loans to loans | 6.7571% | 864 |
| Net loans and leases to total assets | 52.3280% | 6,385 |
| Net loans and leases to deposits | 66.6725% | 5,981 |
| Net loans and leases to core deposits | 91.6924% | 4,926 |
| Total domestic deposits to total assets | 78.4852% | 6,125 |
| Equity capital to assets | 8.9025% | 5,275 |
| Core capital (leverage) ratio | 8.9506% | 4,506 |
| Tier 1 risk-based capital ratio | 13.3163% | 3,934 |
| Total risk-based capital ratio | 14.5682% | 3,879 |
| Memoranda: | ||
| Average total assets | $93,113,400 | 5,298 |
| Average earning assets | $81,350,000 | 5,417 |
| Average equity | $9,271,400 | 5,523 |
| Average total loans | $54,708,400 | 5,472 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7618% | 455 |
| Cost of funding earning assets | 2.1472% | 2,669 |
| Net interest margin | 4.6146% | 968 |
| Noninterest income to average assets | 1.1187% | 1,267 |
| Noninterest expense to average assets | 2.9142% | 4,392 |
| Loan and lease loss provision to assets | 0.7194% | 2,580 |
| Net operating income to assets | 0.9549% | 2,218 |
| Return on assets (ROA) | 0.7341% | 3,147 |
| Pretax return on assets | 1.1598% | 2,381 |
| Return on Equity (ROE) | 7.1587% | 2,998 |
| Retained earnings to average equity (ytd only) | 3.5078% | 3,327 |
| Net charge-offs to loans | 0.6791% | 2,660 |
| Credit loss provision to net charge-offs | 175.6272% | 2,628 |
| Earnings coverage of net charge-offs (x) | 5.4301% | 2,826 |
| Efficiency ratio | 56.7143% | 6,903 |
| Assets per employee ($millions) | 4.0472% | 3,641 |
| Cash dividends to net income (ytd only)* | 50.9998% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8665% | 2,112 |
| Loan loss allowance to noncurrent loans | 39.2736% | 5,742 |
| Noncurrent assets plus other real estate owned to assets | 2.7725% | 2,500 |
| Noncurrent loans to loans | 4.7527% | 1,435 |
| Net loans and leases to total assets | 56.1838% | 6,119 |
| Net loans and leases to deposits | 72.1961% | 5,618 |
| Net loans and leases to core deposits | 100.7867% | 4,282 |
| Total domestic deposits to total assets | 77.8211% | 6,137 |
| Equity capital to assets | 10.0388% | 4,040 |
| Core capital (leverage) ratio | 9.9090% | 3,387 |
| Tier 1 risk-based capital ratio | 14.0343% | 3,529 |
| Total risk-based capital ratio | 15.2870% | 3,477 |
| Memoranda: | ||
| Average total assets | $90,817,500 | 5,398 |
| Average earning assets | $79,109,500 | 5,520 |
| Average equity | $9,312,500 | 5,554 |
| Average total loans | $54,777,500 | 5,527 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9925% | 323 |
| Cost of funding earning assets | 2.2157% | 2,720 |
| Net interest margin | 4.7767% | 687 |
| Noninterest income to average assets | 1.1272% | 1,238 |
| Noninterest expense to average assets | 3.0571% | 3,860 |
| Loan and lease loss provision to assets | 0.5411% | 2,865 |
| Net operating income to assets | 1.0177% | 2,044 |
| Return on assets (ROA) | 0.6786% | 3,468 |
| Pretax return on assets | 1.1160% | 2,580 |
| Return on Equity (ROE) | 6.5675% | 3,404 |
| Retained earnings to average equity (ytd only) | 1.0037% | 4,772 |
| Net charge-offs to loans | 0.3156% | 3,610 |
| Credit loss provision to net charge-offs | 279.0698% | 1,677 |
| Earnings coverage of net charge-offs (x) | 11.2791% | 1,915 |
| Efficiency ratio | 58.2975% | 6,812 |
| Assets per employee ($millions) | 3.8068% | 4,080 |
| Cash dividends to net income (ytd only)* | 84.7176% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7861% | 2,087 |
| Loan loss allowance to noncurrent loans | 54.8045% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 1.9592% | 3,249 |
| Noncurrent loans to loans | 3.2590% | 2,178 |
| Net loans and leases to total assets | 59.0419% | 5,836 |
| Net loans and leases to deposits | 78.4010% | 4,802 |
| Net loans and leases to core deposits | 112.4679% | 3,078 |
| Total domestic deposits to total assets | 75.3076% | 6,696 |
| Equity capital to assets | 10.0105% | 3,925 |
| Core capital (leverage) ratio | 10.2905% | 3,005 |
| Tier 1 risk-based capital ratio | 13.6500% | 3,725 |
| Total risk-based capital ratio | 14.8740% | 3,668 |
| Memoranda: | ||
| Average total assets | $88,712,330 | 5,505 |
| Average earning assets | $76,453,670 | 5,658 |
| Average equity | $9,166,330 | 5,624 |
| Average total loans | $54,499,670 | 5,576 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9216% | 394 |
| Cost of funding earning assets | 2.2355% | 2,981 |
| Net interest margin | 4.6861% | 789 |
| Noninterest income to average assets | 1.1581% | 1,095 |
| Noninterest expense to average assets | 2.9066% | 4,139 |
| Loan and lease loss provision to assets | 0.4577% | 2,635 |
| Net operating income to assets | 1.3045% | 1,370 |
| Return on assets (ROA) | 1.3045% | 1,468 |
| Pretax return on assets | 1.8813% | 837 |
| Return on Equity (ROE) | 12.4230% | 1,537 |
| Retained earnings to average equity (ytd only) | 1.3077% | 5,112 |
| Net charge-offs to loans | 0.3316% | 2,773 |
| Credit loss provision to net charge-offs | 222.2222% | 2,037 |
| Earnings coverage of net charge-offs (x) | 11.3556% | 1,879 |
| Efficiency ratio | 55.4101% | 7,050 |
| Assets per employee ($millions) | 3.8340% | 4,017 |
| Cash dividends to net income (ytd only)* | 89.4737% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6213% | 2,437 |
| Loan loss allowance to noncurrent loans | 73.0737% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 1.3688% | 3,917 |
| Noncurrent loans to loans | 2.2187% | 2,954 |
| Net loans and leases to total assets | 60.6915% | 5,548 |
| Net loans and leases to deposits | 81.2667% | 4,409 |
| Net loans and leases to core deposits | 114.6287% | 2,943 |
| Total domestic deposits to total assets | 74.6819% | 6,773 |
| Equity capital to assets | 10.4307% | 3,530 |
| Core capital (leverage) ratio | 10.5105% | 2,912 |
| Tier 1 risk-based capital ratio | 13.8570% | 3,664 |
| Total risk-based capital ratio | 15.1079% | 3,587 |
| Memoranda: | ||
| Average total assets | $87,386,500 | 5,570 |
| Average earning assets | $76,225,000 | 5,687 |
| Average equity | $9,176,500 | 5,632 |
| Average total loans | $54,287,500 | 5,617 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3990% | 493 |
| Cost of funding earning assets | 2.6630% | 3,350 |
| Net interest margin | 4.7360% | 895 |
| Noninterest income to average assets | 1.2196% | 995 |
| Noninterest expense to average assets | 2.9461% | 4,277 |
| Loan and lease loss provision to assets | 0.3999% | 3,287 |
| Net operating income to assets | 1.4889% | 1,050 |
| Return on assets (ROA) | 1.4889% | 1,006 |
| Pretax return on assets | 2.0840% | 503 |
| Return on Equity (ROE) | 14.7350% | 966 |
| Retained earnings to average equity (ytd only) | 10.1259% | 429 |
| Net charge-offs to loans | 0.2557% | 3,714 |
| Credit loss provision to net charge-offs | 257.5758% | 1,799 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,886 |
| Efficiency ratio | 54.2560% | 7,242 |
| Assets per employee ($millions) | 3.6080% | 4,394 |
| Cash dividends to net income (ytd only)* | 31.2796% | 4,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5266% | 2,561 |
| Loan loss allowance to noncurrent loans | 87.8852% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.0867% | 4,116 |
| Noncurrent loans to loans | 1.7370% | 3,163 |
| Net loans and leases to total assets | 61.6080% | 5,680 |
| Net loans and leases to deposits | 83.5819% | 4,485 |
| Net loans and leases to core deposits | 115.8634% | 3,133 |
| Total domestic deposits to total assets | 73.7097% | 6,701 |
| Equity capital to assets | 10.5727% | 3,419 |
| Core capital (leverage) ratio | 10.4019% | 3,070 |
| Tier 1 risk-based capital ratio | 13.8996% | 3,590 |
| Total risk-based capital ratio | 15.1492% | 3,514 |
| Memoranda: | ||
| Average total assets | $85,026,800 | 5,519 |
| Average earning assets | $75,591,000 | 5,605 |
| Average equity | $8,591,800 | 5,877 |
| Average total loans | $51,616,200 | 5,640 |